Marktanalyse - Emerging Opportunities in the Russian Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape

Synopsis
The report provides detailed market analysis, information and insights into the Russian consumer finance market, including:
• Current and forecast values for the Russian consumer finance market
• Comprehensive analysis of the industry’s market attractiveness and key trends and drivers supporting the growth of the consumer finance market in Russia
• Detailed analysis of the marketing strategies adopted by companies in Russia for selling consumer loans
• Detailed analysis of the challenges affecting the Russian consumer finance market
• The competitive landscape in the Russian consumer finance market
• Company profiles of the major banks in the Russian consumer finance market

Summary
The Russian consumer finance market declined in 2009 but managed to recover strongly in 2010 and 2011. The recovery is primarily attributed to the stabilization of interest rates in consumer lending. The consumer finance market recorded a compound annual growth rate (CAGR) of 19.46% during the review period (2007—2011). It is projected to retain a high CAGR of 19.85% over the forecast period (2012—2016). The strong growth will be driven by the country’s improving macroeconomic fundamentals and rising domestic demand for consumer finance products. Personal loans is the largest category in the Russian consumer finance market. It recorded a CAGR of 23.79% during the review period. Russia’s rising employment levels are expected to generate more demand for personal loans in the country. The improving employment conditions in the country will encourage Russians to increase their personal consumption expenditure, increasing the demand for personal loans. Most Russians take out personal loans to purchase furniture, large household appliances and mobile phones.

Scope
• This report provides an extensive analysis on the consumer finance market in Russia
• It details historical values for the consumer finance market in Russia for 2007—2011, along with forecast figures for 2012—2016
• The report provides a detailed analysis on key trends, drivers and challenges in the consumer finance market in Russia
• It outlines the current regulatory framework in the industry
• It provides detail on the competitive landscape in the Russian consumer finance market
• It details the marketing strategies adopted by various companies

Reasons To Buy
• Make strategic business decisions using historic and forecast market data related to the Russian consumer finance market
• Understand the key market trends and growth opportunities in the Russian consumer finance market
• Assess the competitive dynamics in the Russian consumer finance market
• Gain insights into the marketing strategies adopted by companies to sell consumer finance products
• Gain insights into key regulations governing the consumer finance market in Russia

Key Highlights
• The Russian consumer finance market recorded a compound annual growth rate (CAGR) of 19.46% during the review period (2007—2011). It is projected to retain a high CAGR of 19.85% over the forecast period (2012—2016)
• Personal loans is the largest category in the Russian consumer finance market, accounting for 49.3% of the total consumer finance market in 2011
• Personal loans was also the fastest-growing category in the Russian consumer finance market during the review period with a CAGR of 23.79%
• State-owned Sberbank is the leader in the Russian retail lending market
• The mortgage lending market in 2011 in Russia made significant progress, with demand principally driven by the economy-class segment

Table of Contents

1 Executive Summary

2 The Future Outlook of Consumer Finance in Russia

3 Russian Consumer Finance Market Dynamics

3.1 Macroeconomic Fundamentals

3.1.1 GDP

3.1.2 Annual disposable income

3.1.3 Inflation rate

3.1.4 FDI inflows

3.1.5 Urban and rural population

3.1.6 Population

3.2 Consumer Attitude towards Credit

3.3 Key Performance Indicators

3.4 Regulatory Framework

4 Russian Consumer Finance Market Opportunity and Growth Potential

4.1 Overview

4.2 Housing Loans

4.3 Credit Card Loans

4.4 Personal Loans

4.5 Auto Loans

4.6 Education Loans

5 Key Trends and Growth Drivers for the Russian Consumer Finance Market

5.1 Housing Loans

5.2 Credit Card Loans

5.3 Personal Loans

5.4 Auto Loans

5.5 Education Loans

6 Industry Structure and Competitive Landscape

7 Strategies

7.1 Marketing and Product Strategies

7.2 Market Entry Strategies

7.3 Growth Strategies

8 Challenges

9 Company Profiles

10 Appendix

10.1 About BRICdata

10.1.1 Areas of expertise

10.2 Methodology

10.3 Disclaimer





List of Tables

Table 1: Russian Consumer Finance Market Outlook (RUB Billion), 2011—2016

Table 2: Russian GDP at Constant Prices (US$ Billion), 2007—2016 (Base Year 1999—2000)

Table 3: Russian Annual Disposable Income (US$ Billion), 2007—2016

Table 4: Russian Inflation Rates (%), 2007—2016

Table 5: Russian Banking Industry Value by Loans and Deposits (US$ Billion), 2007—2011

Table 6: Russian Banking Industry Value by Loans and Deposits (US$ Billion), 2012—2016

Table 7: Russian Consumer Finance Market Size (RUB Billion), 2007—2011

Table 8: Russian Consumer Finance Market Size (RUB Billion), 2012—2016

Table 9: Russian Consumer Finance Market Size by Category (RUB Billion), 2007—2011

Table 10: Russian Consumer Finance Market Size by Category (RUB Billion), 2012—2016

Table 11: Russian Mortgage Lending Market Size (RUB Billion), 2007—2011

Table 12: Russian Mortgage Lending Market Size (RUB Billion), 2012—2016

Table 13: Russian Credit Card Loans Market Size (RUB Billion), 2007—2011

Table 14: Russian Credit Card Loans Market Size (RUB Billion), 2012—2016

Table 15: Russian Personal Loans Market Size (RUB Billion), 2007—2011

Table 16: Russian Personal Loans Market Size (RUB Billion), 2012—2016

Table 17: Russian Car Loans Market Size (RUB Billion), 2007—2011

Table 18: Russian Car Loans Market Size (RUB Billion), 2012—2016

Table 19: Russian Education Loans Market Size (RUB Billion), 2007—2011

Table 20: Russian Education Loans Market Size (RUB Billion), 2012—2016

Table 21: Russia Interest Rate (%), 2007—2011



List of Figures

Figure 1: Russian Consumer Finance Market Outlook

Figure 2: Russian GDP at Constant Prices (US$ Billion), 2007—2016 (Base Year 1999—2000)

Figure 3: Russian Annual Disposable Income (US$ Billion), 2007—2016

Figure 4: Russia Inflation Rate (%), 2007—2016

Figure 5: Russia FDI Inflows (US$ Billion), 2007—2010

Figure 6: Russian Urban and Rural Population (%), 2007—2016

Figure 7: Russia Population (Million), 2007—2010

Figure 8: Russian Banking Industry Value by Loans and Deposits (US$ Billion), 2007—2011

Figure 9: Russian Banking Industry Value by Loans and Deposits (US$ Billion), 2012—2016

Figure 10: Russian Consumer Finance Market Size (RUB Billion), 2007—2011

Figure 11: Russian Consumer Finance Market Size (RUB Billion), 2012—2016

Figure 12: Russian Consumer Finance Market Size by Category (RUB Billion), 2007—2011

Figure 13: Russian Consumer Finance Market Size by Category (RUB Billion), 2012—2016

Figure 14: Russian Mortgage Lending Market Size (RUB Billion), 2007—2011

Figure 15: Russian Mortgage Lending Market Size (RUB Billion), 2012—2016

Figure 16: Russian Credit Card Loans Market Size (RUB Billion), 2007—2011

Figure 17: Russian Credit Card Loans Market Size (RUB Billion), 2012—2016

Figure 18: Russian Personal Loans Market Size (RUB Billion), 2007—2011

Figure 19: Russian Personal Loans Market Size (RUB Billion), 2012—2016

Figure 20: Russian Car Loans Market Size (RUB Billion), 2007—2011

Figure 21: Russian Car Loans Market Size (RUB Billion), 2012—2016

Figure 22: Russian Education Loans Market Size (RUB Billion), 2007—2011

Figure 23: Russian Education Loans Market Size (RUB Billion), 2012—2016

Figure 24: Russian Number of Households (Million), 2007—2016

Figure 25: Average Number of Credit Cards Used by an Individual by Country, 2010

Figure 26: Russian Unemployment Rate (%), 2007—2016

Figure 27: Russian Car Credit Sales as a Share of Total Sales (%), 2006—2010

Figure 28: Russian Car Sales (Million Units), 2007—2012

Figure 29: Russia Interest Rate (%), 2007—2011

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