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市場調查報告書

南美的債權人保險市場

Creditor Insurance in Latin America

出版商 Finaccord Ltd. 商品編碼 273837
出版日期 內容資訊 英文 206 Pages
商品交期: 最快1-2個工作天內
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南美的債權人保險市場 Creditor Insurance in Latin America
出版日期: 2016年02月01日 內容資訊: 英文 206 Pages
簡介

南美各國的債權人保險的保險費收入,2012年達到60億8000萬美元。因市場預期成長率快速和收益率相對高,對貸款機關和保險業者來說,債權人保險成為現在富有魅力的商務。

本報告提供南美的債權人保險(還款補償保險,貸款相關保險)的市場相關分析,相關資料,地區整體及主要6個國家的金融市場結構,及債權人保險的運用模式,市場規模目前的數值和預測值,今後的市場機會與課題,主要企業簡介等等的調查評估,並將結果概述為以下內容。

執行摘要

第1章 簡介

第2章 南美市場概要

  • 簡介
  • 市場分析:消費者金融
  • 債權人保險的銀行保險存款準備金率·運用模式
  • 與消費者金融合作的債權人保險
  • 與信用卡合作的債權人保險
  • 市場分析:債權人保險

第3章 阿根廷

  • 分析對象的銀行及其他貸款機關
  • 經濟背景
  • 銀行業的概要
  • 銀行保險的概要
  • 消費者金融的市場規模·成長率
  • 債權人保險的銀行保險準備金·運用模式·合作情形

第4章 巴西

  • 分析對象的銀行及其他貸款機關
  • 經濟背景
  • 銀行業的概要
  • 銀行保險的概要
  • 消費者金融的市場規模·成長率
  • 債權人保險的銀行保險準備金·運用模式·合作情形

第5章 智利

  • 分析對象的銀行及其他的貸款機關
  • 經濟背景
  • 銀行業的概要
  • 銀行保險的概要
  • 消費者金融的市場規模·成長率
  • 債權人保險的銀行保險準備金·運用模式·合作情形
  • 債權人保險的風險涵蓋範圍
  • 主要的銀行保險業者的業績
  • 債權人保險的市場規模·成長率與其預測

第6章 哥倫比亞

  • 分析對象的銀行及其他貸款機關
  • 經濟背景
  • 銀行業的概要
  • 銀行保險的概要
  • 消費者金融的市場規模·成長率
  • 債權人保險的銀行保險準備金·運用模式·合作情形
  • 債權人保險的風險涵蓋範圍
  • 債權人保險的市場規模·成長率與其預測

第7章 墨西哥

  • 分析對象的銀行及其他的貸款機關
  • 經濟背景
  • 銀行業概要
  • 銀行保險概要
  • 消費者金融的市場規模·成長率
  • 債權人保險的銀行保險準備金·運用模式·合作情形
  • 債權人保險的風險涵蓋範圍
  • 債權人保險的市場規模·成長率與其預測

第8章 秘魯

  • 分析對象的銀行及其他的貸款機關
  • 經濟背景
  • 銀行業概要
  • 銀行保險概要
  • 消費者金融的市場規模·成長率
  • 債權人保險的銀行保險準備金·運用模式·合作情形
  • 債權人保險的風險涵蓋範圍
  • 主要的銀行保險業者的業績
  • 債權人保險的市場規模·成長率與其預測

圖表一覽

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目錄

Finaccord's report titled ‘Creditor Insurance in Latin America’ offers updated and detailed insights into the market for creditor insurance, sometimes also referred to as payment protection insurance or loan-related insurance, in six countries, namely Argentina, Brazil, Chile, Colombia, Mexico and Peru. Creditor insurance was worth USD 5.97 billion in gross written premiums in the region in 2015, including coverage for life and permanent disability as well as the temporary disability and unemployment elements.

Drawing on the results of a survey of close to 400 lending institutions, the report analyses the provision of creditor insurance by lending institutions, variances in provision by underlying lending product, operating models for provision of creditor insurance, weighted provider share of partnerships and the potential for selling creditor cover through distribution channels other than the lending institutions themselves. The PartnerBASE™ dataset that accompanies the report details each of well over 600 creditor insurance distribution deals traced by Finaccord.

You may be able to use this report and the PartnerBASE™ that accompanies it in one or more of the following ways:

  • appreciate the magnitude of the opportunity in creditor insurance in Latin America and how this breaks down between policies cross-sold in conjunction with mortgages, point-of-sale automotive finance, other consumer finance and credit cards;
  • identify partnership opportunities for creditor insurance and prioritise these according to the potential that they offer as defined by the size of lending institutions' retail customer base;
  • understand the supply structure for creditor insurance in Latin America and whether specialists are winning business by virtue of their focused approach;
  • assess the extent to which the provision of temporary incapacity and unemployment modules within creditor insurance policies is commonplace in different Latin American countries;
  • gain insight into the presence of leading creditor insurance market participants including BNP Paribas, Bradesco, CNP Assurances, Grupo Sura, Itaú Unibanco, MAPFRE, Santander and Zurich.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • Gross written premiums across the six countries amounted to nearly USD 6 billion in 2015
  • ... within which policies in one category made up around 43.5% of the total...
  • ... and the value of cover for temporary incapacity and unemployment reached USD 1.60 billion
  • The leading ten groups are likely to account for nearly 90% of the total regional market...
  • ... with MAPFRE the one non-Brazilian insurer breaking into the top four

1.0 INTRODUCTION

  • What is this report about?
    • Distribution partnerships with banks and other lending institutions constitute the focus of this report
  • Rationale
    • The report tracks over 600 separate initiatives for marketing creditor insurance
  • Methodology
    • Survey of banks and other lending institutions
  • Market data
  • Definitions
    • Creditor insurance
    • Mortgages, consumer finance and credit cards
  • Weighted provider share of partnerships
  • Operating models
  • Abbreviations and exchange rates
  • PartnerBASE and market data annexe
  • Finaccord

2.0 REGIONAL OVERVIEW

  • Introduction
  • Market analysis - consumer lending
    • Consumer lending balances amounted to almost USD 800 billion across the six countries in 2015
    • Mortgage lending in Brazil and Colombia experienced particularly strong growth between 2011 and 2015...
    • ... with the latter country also displaying strong real growth in consumer non-mortgage lending
    • Chile's developed lending market makes it comfortably the largest in per capita terms...
    • Mortgage balances per capita in Chile are triple those of any other country in the sample
    • Consumer non-mortgage balances per capita are highest in Chile and lowest in Peru
    • Credit card loans account for a substantial proportion of total non-mortgage lending in several countries
    • Non-mortgage credit has fallen as a proportion of total consumer lending in all but two counties
    • Brazil accounts for over 85% of the region's total credit and other pay later cards in circulation...
    • ... and its market is also the one that has grown most rapidly in recent years
    • In per capita terms, the credit card markets of Colombia, Mexico and Peru remain under-developed
  • Creditor insurance provision rates and operating models
    • Creditor insurance linked to mortgages
      • In four out of six countries, provision of mortgage-related creditor insurance is universal
      • Use of a single external underwriter constitutes the most regularly used operating model in five markets...
      • ... with captive underwriters employed frequently in Mexico
      • When analysed on a weighted basis, the use of captive underwriters is significantly more prominent
      • Policies including cover for temporary incapacity and / or unemployment are most widespread in Chile
      • When analysed at a group level, the leading three groups are seem likely to control over 50% of the market
      • The Brazilian government has an indirect stake in several insurers affiliated to state-owned banks
    • Creditor insurance linked to consumer finance
      • Over 80% of eligible lending institutions offer creditor insurance linked to consumer finance in all nations...
      • ... and this policy type is ubiquitous in Peru
      • In weighted terms, captive underwriters are most visible in Mexico and least so in Chile
      • In all six countries, there is plenty of scope for the development of fully-fledged creditor insurance
      • Bradesco is likely to be the region's leading provider of creditor insurance linked to consumer finance...
      • ... with MAPFRE and CNP identifiable as the most prominent groups from outside of Latin America
    • Creditor insurance linked to credit cards
      • Credit card payment protection insurance is offered most commonly by Peruvian card issuers
      • Viewed on a weighted basis, captive underwriters are likely to be dominant in Brazil, Mexico and Peru
      • Cover for temporary incapacity and / or unemployment is most common with Brazilian card-related policies
      • Groups outside of the top ten hold a combined weighted share of partnerships of 14.8%
    • Market analysis - creditor insurance
      • The total market value is predicted to advance to USD 8.37 billion in gross written premiums by 2019
      • Robust nominal growth is predicted for most elements of creditor insurance...
      • ... but inflation is likely to bring about much lower rates of real growth
      • In terms of its value, Brazil's market for mortgage-related creditor insurance is easily the largest...
      • ... although that of Peru is most well-developed relative to the size of the mortgage lending sector
      • For creditor insurance linked to point-of-sale auto finance, the most rapid growth is predicted for Peru...
      • ...and this is also the case of policies linked to other types of consumer finance
      • Discounting inflation, real compound annual growth in card-related creditor insurance will be under 2%
      • There is most theoretical scope for growth for card-related creditor insurance in Brazil

3.0 ARGENTINA

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • In terms of its number of retail customers, Banco de la Nación leads the market...
    • ... and state-owned banks generally account for a substantial share of the Argentine banking sector...
    • ... albeit it remains quite fragmented when all types of institution are considered
  • Consumer lending market size and growth
    • Mortgage lending
      • Mortgage balances outstanding declined sharply in real terms between 2011 and 2015...
      • ... and inflation is a key factor holding back developed of mortgage lending
    • Non-mortgage lending
      • In real terms, the non-mortgage retail lending sector has posted very moderate growth
    • Credit and other pay later cards
      • Around 36.9 million credit and pay later cards have been issued in Argentina
  • Creditor insurance provision rates, operating models and partnerships
    • Creditor insurance linked to mortgages
      • Most mortgage lenders offer related creditor insurance...
      • ... and many by means of captive underwriters...
      • ... albeit ten non-captive underwriters and one joint venture are also active in this field
    • Creditor insurance linked to consumer finance
      • Over 60 institutions granting non-mortgage loans promote associated creditor insurance...
      • ... with MetLife ranked first by weighted share of partnerships...
      • ... ahead of captive or lender-owned underwriters such as Galicia Seguros and BNP Paribas Cardif
      • Other non-captive competitors include ACE, Assurant, CNP Assurances, MAPFRE and Sancor
    • Creditor insurance linked to credit cards
      • Likewise, a very clear majority of credit card issuers have an arrangement for related creditor insurance...
      • ... with many partnerships replicating those for other types of loan-related cover...
      • ... in a field in which there are also around 20 non-captive underwriters competing for mandates
      • 13 credit card issuers have no apparent arrangement for payment protection insurance
    • Creditor insurance risk coverage
      • Cover for temporary incapacity and unemployment is available with a small minority of policies...
      • ... although there is only a marginal difference between the weighted and unweighted analyses
    • Alternative distribution channels
      • Creditor insurance is available from other sources but rarely, if ever, as a stand-alone product
    • Creditor insurance market size, growth and forecast
      • The bulk of the market value is composed of policies related to consumer finance and credit cards
      • Once inflation has been accounted for, the market actually declined in value between 2011 and 2015

4.0 BRAZIL

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • In terms of its total number of retail customers Bradesco leads the market...
    • ...but government-owned Banco do Brasil is the largest bank by total assets
    • The ten largest banks account for over 85% of assets...
    • ...but total assets do not necessarily correlate with retail customer numbers
  • Consumer lending market size and growth
    • Mortgage lending
      • Growth in mortgage balances outstanding began to taper off in 2015...
    • Non-mortgage lending
      • ... and the value of total non-mortgage consumer lending balances has declined in real terms
    • Credit and other pay later cards
      • Credit and other pay later cards per capita reached 3.11 by the end of 2015
      • As a percentage of GDP, lending to the private sector has grown rapidly in recent years...
      • ...but a weakening economy has deeply affected the lending market and wider banking sector
  • Creditor insurance provision rates, operating models and partnerships
    • Creditor insurance linked to mortgages
      • All mortgage lenders covered by the research offer related creditor insurance...
      • ... with Aliança do Brasil and Caixa Seguradora ranked most highly in the weighted analysis
      • A number of banks utilise insurers that are co-owned by Banco do Brasil and MAPFRE...
      • ... with two other joint venture underwriters also present in this sector
    • Creditor insurance linked to consumer finance
      • Creditor insurance is on offer from the vast majority of institutions granting non-mortgage loans...
      • ... with some partnerships replicating those for mortgage-related cover...
      • ... albeit with a number of others that are unique to this segment...
      • ... in which more than 20 underwriters hold one or more relationships with lending institutions
    • Creditor insurance linked to credit cards
      • A majority of credit card issuers have an arrangement for related creditor insurance...
      • ... with Bradesco Seguros ranked first this time by weighted share of partnerships
    • Creditor insurance risk coverage
      • Larger lending institutions are generally more likely to offer more comprehensive insurance policies...
      • ... as is clear from the unweighted and weighted analyses of policy risk coverage
    • Performance of key creditor insurance underwriters
      • The creditor insurance market share of Aliança do Brasil has grown rapidly in recent years...
      • ... having overtaken Caixa Seguradora in 2012
    • Alternative distribution channels
      • Creditor insurance is available from other sources but rarely, if ever, as a stand-alone product
    • Creditor insurance market size, growth and forecast
      • Creditor insurance policies linked to consumer finance account for the majority of the market value...
      • ... albeit those linked to mortgages grew the most by far between 2011 and 2015

5.0 CHILE

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Chile's retail lending market is populated by a variety of different types of institution...
    • ... including a significant number of credit unions and specialised lenders
    • Santander is the market leader in terms of total loans outstanding (and total deposits)
  • Consumer lending market size and growth
    • Mortgage lending
      • The period from 2011 to 2015 witnessed significant growth in mortgage lending balances
    • Non-mortgage lending
      • ... with total non-mortgage consumer lending balances also moving up over the same time frame
    • Credit and other pay later cards
      • Credit and other pay later cards in circulation fell back between 2011 and 2015...
      • ... as a result of non-bank card issuers pruning cards that were not being used
  • Creditor insurance provision rates, operating models and partnerships
    • Creditor insurance linked to mortgages
      • All mortgage lenders covered by the research offer mortgage-related creditor insurance...
      • ... with BNP Paribas Cardif comfortably the leader by weighted share of partnerships
      • Several lending institutions utilise underwriters classifiable as joint ventures...
      • ...while BBVA and Banco BICE both maintain captives in this arena
      • Different types of creditor risk are sometimes dealt with by different underwriters
    • Creditor insurance linked to consumer finance
      • Virtually all non-mortgage lenders are also distributors of creditor insurance...
      • ... with use of a single external underwriter the operating model used by most
      • BNP Paribas Cardif, Banchile Seguros and BCI Seguros hold the most partnerships in this arena
    • Creditor insurance linked to credit cards
      • Only two card issuers in Chile lack an arrangement for related creditor insurance...
      • ... with BNP Paribas Cardif and MetLife the leaders by weighted share of partnerships
      • ACE Seguros and BCI Seguros each claim four relationships in this sector
    • Creditor insurance risk coverage
      • Over 50% of policies on offer can be classified as comprehensive ones...
      • ...and these are generally more likely to be available from larger lending institutions
    • Performance of key creditor insurance underwriters
      • The leadership of BNP Paribas Cardif is confirmed by the latest market share data...
      • ... with this insurer having overtaken Banchile Seguros in 2014
    • Alternative distribution channels
      • Creditor insurance bundled with loans can also be obtained from two other main sources
    • Creditor insurance market size, growth and forecast
      • Mortgage-related creditor insurance accounts for the highest share of the total market value...
      • ... and their value has also grown most rapidly in recent years

6.0 COLOMBIA

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • One credit union and two specialised lenders feature in the top ten by number of retail customers...
    • ... which is led by Bancolombia
    • CorpBanca has expanded into the Colombian market through two major acquisitions
  • Consumer lending market size and growth
    • Mortgage lending
      • The Colombian mortgage market has expanded rapidly and consistently in recent years...
    • Non-mortgage lending
      • ... with non-mortgage consumer lending balances outstanding also advancing strongly...
    • Credit and other pay later cards
      • ... albeit at 0.27 cards per capita, credit card penetration remains comparatively low
  • Creditor insurance provision rates, operating models and partnerships
    • Creditor insurance linked to mortgages
      • Creditor insurance is on offer from all mortgage lenders covered by the research
      • ... with seven providers prominent in the weighted analysis of partnerships...
      • ... led by Alfa, BNP Paribas Cardif and Bolívar
      • In addition, other captive underwriters include BBVA Seguros and Colmena...
      • ... albeit AXA Colpatria is the only competitor in this sphere classifiable as a joint venture
    • Creditor insurance linked to consumer finance
      • A relationship with a single external underwriter constitutes the most popular operating model
      • Partnerships with Presta Todos, Sufi and TUYA make Sura more prominent in this market...
      • ... with Solidaria also gaining visibility through additional relationships
      • In total, around 20 different underwriters compete for mandates for this type of creditor cover...
      • ... and five consumer finance firms have no arrangement at all
    • Creditor insurance linked to credit cards
      • By weighted share of partnerships, Alfa and Sura are the leading underwriters in this segment
      • Three institutions employ multiple external underwriters for card-related creditor insurance
    • Creditor insurance risk coverage
      • Comprehensive insurance policies are more likely to be available from larger lending institutions...
      • ... as is clear from the unweighted and weighted analyses of policy risk coverage
    • Alternative distribution channels
      • Intermediaries usually cross-sell creditor insurance packaged with the underlying lending products
    • Creditor insurance market size, growth and forecast
      • Creditor insurance policies linked to consumer finance account for the majority of the market value...
      • ... albeit those associated with mortgages have been delivering the most rapid growth by far

7.0 MEXICO

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Banco Azteca leads the market in terms of its outright number of retail customers...
    • ... but not when measured by its share of banking assets
    • The banking sector is dominated by several foreign-owned entities
    • A number of banks targeting lower-income customers are affiliated to retailing groups...
    • ... albeit Walmart has divested its banking subsidiary to Grupo Financiero Inbursa
    • INFONAVIT accounts for a high proportion of mortgage loans outstanding...
    • ... which limits the business available to mainstream banks and mortgage lenders
    • Sociedad Hipotecaria Federal (SHF) plays an important role in promoting development of home loans
  • Consumer lending market size and growth
    • Mortgage lending
      • Mortgage balances outstanding increased significantly between 2011 and 2015...
    • Non-mortgage lending
      • ... and the value of total non-mortgage consumer lending moved up at an even higher rate
    • Credit and other pay later cards
      • Credit and other pay later cards per capita reached 0.25 by the end of 2015
  • Creditor insurance provision rates, operating models and partnerships
    • Creditor insurance linked to mortgages
      • Mortgage lenders typically offer related creditor insurance...
      • ...with the critical exceptions of INFONAVIT and FOVISSSTE...
      • ... who have developed an alternative means of protection
      • Mortgage-related creditor insurance in Mexico is sourced through a variety of operating models
      • ... with eight providers prominent in the weighted analysis of partnerships...
      • ... most notably captive and joint venture entities
      • Smaller mortgage lenders generally source creditor insurance from external underwriters
    • Creditor insurance linked to consumer finance
      • Creditor insurance is on offer from the vast majority of institutions granting non-mortgage loans
      • Seguros Azteca is prominent in the weighted analysis of partnerships...
      • ... followed by the same insurers that are most visible in mortgage-related creditor insurance
      • Other providers include ACE, Assurant, AXA, BNP Paribas Cardif, MAPFRE, MetLife, Quálitas and RSA
      • Six non-mortgage lending institutions apparently lack an arrangement for creditor insurance
    • Creditor insurance linked to credit cards
      • A majority of credit card issuers have an arrangement for related creditor insurance
      • Seguros Inbursa is used by two retail sector card issuers as well as two affiliated banks
      • AIG works in this field with both Banco Ahorro Famsa and Distribuidora Liverpool
      • Four credit card issuers do not promote associated payment protection insurance
    • Creditor insurance risk coverage
      • Larger lending institutions are generally more likely to offer more comprehensive insurance policies...
      • ... as is clear from the unweighted and weighted analyses of policy risk coverage
    • Alternative distribution channels
      • Brokers represent a further distribution channel for creditor insurance...
      • ... as do car dealers
    • Creditor insurance market size, growth and forecast
      • Creditor insurance policies linked to mortgages account for the majority of the market value...
      • ... albeit those linked to point-of-sale automotive finance grew the most between 2011 and 2015

8.0 PERU

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Banco de Crédito del Perú is the leading bank both in terms of customer numbers and total assets...
    • ... followed by BBVA Banco Continental and Scotiabank Perú
    • Institutions offering micro-loans serve large swathes of the low-income population
    • Significant merger and acquisition activity has occurred in the banking sector in recent years
  • Consumer lending market size and growth
    • Mortgage lending
      • Rapid growth in mortgage lending balances took place between 2011 and 2015...
    • Non-mortgage lending
      • ... and the value of total non-mortgage consumer lending also increased albeit at a slower rate
    • Credit and other pay later cards
      • A modest rise in credit and other pay later cards occurred between 2011 and 2015
  • Creditor insurance provision rates, operating models and partnerships
    • Creditor insurance linked to mortgages
      • All mortgage lenders covered by the research offer mortgage-related creditor insurance...
      • ... with Pacífico ranked first by weighted share of partnerships...
      • ... albeit with La Positiva as the insurer with the most relationships
    • Creditor insurance linked to consumer finance
      • Creditor insurance is also a ubiquitous proposition among consumer finance firms
      • Interseguro, Pacífico and RIMAC all act as captive underwriters in this domain...
      • ... albeit most lending institutions employ a single external underwriter
    • Creditor insurance linked to credit cards
      • Creditor insurance is also on offer from all Peruvian credit card issuers...
      • ... with Scotiabank Perú the one entity to utilise more than one partner
    • Creditor insurance risk coverage
      • Temporary incapacity and unemployment cover are not commonly included in creditor insurance...
      • ... albeit they are more likely to feature as options available from the larger lending institutions
    • Performance of key creditor insurance underwriters
      • Pacífico has been a clear and consistent leader in Peruvian creditor insurance since 2010...
      • ... while MAPFRE increased its market share very significantly in 2014
    • Alternative distribution channels
      • Alternative distributors invariably bundle insurance cover organised by partner lending institutions
    • Creditor insurance market size, growth and forecast
      • Policies linked to mortgages account for the majority of the market value...
      • ... albeit those sold with credit cards grew the most between 2011 and 2015

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Summary table: gross written premiums for total creditor insurance in Latin America, split by country, 2011 and 2015 (table)
  • Summary table: gross written premiums for total creditor insurance in Latin America, split by country, 2015 and 2019 (forecast) (table)
  • Summary table: gross written premiums for total creditor insurance in Latin America, split by type of cover, 2015 and 2019 (forecast) (table)
  • Weighted group share of bancassurance partnerships for creditor insurance, re-weighted by country market size, in Latin America, 2015

1.0 INTRODUCTION

  • Banks and other lending institutions in Latin America contacted by Finaccord, segmented by country and type

2.0 REGIONAL OVERVIEW

  • Total consumer lending balances outstanding in Latin America, segmented by country, 2011 to 2015
  • Total consumer lending balances outstanding in Latin America, segmented by country, 2011 to 2015 (table)
  • Residential mortgage balances outstanding in Latin America, segmented by country, 2011 to 2015
  • Residential mortgage balances outstanding in Latin America, segmented by country, 2011 to 2015 (table)
  • Consumer non-mortgage balances outstanding in Latin America, segmented by country, 2011 to 2015
  • Consumer non-mortgage balances outstanding in Latin America, segmented by country, 2011 to 2015 (table)
  • Total consumer lending balances outstanding per capita in Latin America, segmented by country, 2011 to 2015
  • Total consumer lending balances outstanding per capita in Latin America, segmented by country, 2011 to 2015 (table)
  • Residential mortgage lending balances outstanding per capita in Latin America, segmented by country, 2011 to 2015
  • Residential mortgage lending balances outstanding per capita in Latin America, segmented by country, 2011 to 2015 (table)
  • Consumer non-mortgage lending balances outstanding per capita in Latin America, segmented by country, 2011 to 2015
  • Consumer non-mortgage lending balances outstanding per capita in Latin America, segmented by country, 2011 to 2015 (table)
  • Consumer non-mortgage balances outstanding as % of total consumer lending balances outstanding in Latin America, segmented by country, 2011 to 2015
  • Consumer non-mortgage balances outstanding as % of total consumer lending balances outstanding in Latin America, segmented by country, 2008 to 2012 (table)
  • Total number of credit and other pay later cards issued in Latin America, segmented by country, 2011 to 2015
  • Total number of credit and other pay later cards issued in Latin America, segmented by country, 2011 to 2015 (table)
  • Total number of credit and other pay later cards issued in Latin America and their growth segmented by country, 2011 to 2015
  • Total number of credit and other pay later cards issued per capita in Latin America, segmented by country, 2011 to 2015
  • Total number of credit and other pay later cards issued per capita in Latin America, segmented by country, 2011 to 2015 (table)
  • Provision rates for creditor insurance linked to mortgages in Latin America, segmented by country, 2015
  • Operating models (unweighted) used for creditor insurance linked to mortgages in Latin America, segmented by country, 2015
  • Operating models (unweighted) used for creditor insurance linked to mortgages in Latin America, segmented by country, 2015 (table)
  • Operating models (weighted) used for creditor insurance linked to mortgages in Latin America, segmented by country, 2015
  • Operating models (weighted) used for creditor insurance linked to mortgages in Latin America, segmented by country, 2015 (table)
  • Provision rates for cover for temporary incapacity and unemployment within creditor insurance linked to mortgages in Latin America, segmented by country, 2015
  • Weighted group share of partnerships for creditor insurance linked to mortgages, re-weighted by country market size, in Latin America, 2015
  • Provision rates for creditor insurance linked to consumer finance in Latin America, segmented by country, 2015
  • Operating models (unweighted) used for creditor insurance linked to consumer finance in Latin America, segmented by country, 2015
  • Operating models (unweighted) used for creditor insurance linked to consumer finance in Latin America, segmented by country, 2015 (table)
  • Operating models (weighted) used for creditor insurance linked to consumer finance in Latin America, segmented by country, 2015
  • Operating models (weighted) used for creditor insurance linked to consumer finance in Latin America, segmented by country, 2015 (table)
  • Provision rates for cover for temporary incapacity and unemployment within creditor insurance linked to consumer finance in Latin America, segmented by country, 2015
  • Weighted group share of bancassurance partnerships for creditor insurance linked to consumer finance, re-weighted by country market size, in Latin America, 2015
  • Provision rates for creditor insurance linked to credit cards in Latin America, segmented by country, 2015
  • Operating models (unweighted) used for creditor insurance linked to credit cards in Latin America, segmented by country, 2015
  • Operating models (unweighted) used for creditor insurance linked to credit cards in Latin America, segmented by country, 2015 (table)
  • Operating models (weighted) used for creditor insurance linked to credit cards in Latin America, segmented by country, 2015
  • Operating models (weighted) used for creditor insurance linked to credit cards in Latin America, segmented by country, 2015 (table)
  • Provision rates for cover for temporary incapacity and unemployment within creditor insurance linked to credit cards in Latin America, segmented by country, 2015
  • Weighted group share of bancassurance partnerships for creditor insurance linked to credit cards, re-weighted by country market size, in Latin America, 2015

3.0 ARGENTINA

  • Residential mortgage lending balances outstanding in Argentina (absolute and per capita), 2011 to 2015
  • Consumer non-mortgage lending balances outstanding in Argentina (absolute and per capita), 2011 to 2015
  • Credit and other pay later cards issued and per capita in Argentina, 2011 to 2015
  • Key data points for the consumer lending market in Argentina, 2011 to 2015 (table)
  • Provision of creditor insurance linked to mortgages in Argentina, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Argentina, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Argentina, 2015: provision rate, operating models and weighted provider share of partnerships
  • Unweighted risk coverage of creditor insurance policies in Argentina, segmented by type of underlying product, 2015
  • Weighted risk coverage of creditor insurance policies in Argentina, segmented by type of underlying product, 2015
  • Creditor insurance gross written premiums in Argentina, segmented by policy type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Argentina, segmented by cover type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Argentina, segmented by policy and cover type, 2011 and 2015 (table)
  • Creditor insurance gross written premiums in Argentina, segmented by policy and cover type, 2019 (table) (forecast)

4.0 BRAZIL

  • Residential mortgage lending balances outstanding in Brazil (absolute and per capita), 2011 to 2015
  • Consumer non-mortgage lending balances outstanding in Brazil (absolute and per capita), 2011 to 2015
  • Credit and other pay later cards issued and per capita in Brazil, 2011 to 2015
  • Key data points for the consumer lending market in Brazil, 2011 to 2015 (table)
  • Provision of creditor insurance linked to mortgages in Brazil, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Brazil, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Brazil, 2015: provision rate, operating models and weighted provider share of partnerships
  • Unweighted risk coverage of creditor insurance policies in Brazil, segmented by type of underlying product, 2015
  • Weighted risk coverage of creditor insurance policies in Brazil, segmented by type of underlying product, 2015
  • Market share of top 15 underwriters of creditor insurance in Brazil, 2010 to 2014 (table)
  • Creditor insurance gross written premiums in Brazil, segmented by policy type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Brazil, segmented by cover type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Brazil, segmented by policy and cover type, 2011 and 2015 (table)
  • Creditor insurance gross written premiums in Brazil, segmented by policy and cover type, 2019 (table) (forecast)

5.0 CHILE

  • Residential mortgage lending balances outstanding in Chile (absolute and per capita), 2011 to 2015
  • Consumer non-mortgage lending balances outstanding in Chile (absolute and per capita), 2011 to 2015
  • Credit and other pay later cards issued and per capita in Chile, 2011 to 2015
  • Key data points for the consumer lending market in Chile, 2011 to 2015 (table)
  • Provision of creditor insurance linked to mortgages in Chile, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Chile, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Chile, 2015: provision rate, operating models and weighted provider share of partnerships
  • Unweighted risk coverage of creditor insurance policies in Chile, segmented by type of underlying product, 2015
  • Weighted risk coverage of creditor insurance policies in Chile, segmented by type of underlying product, 2015
  • Market share of top 15 underwriters of creditor insurance in Chile, 2010 to 2014 (table)
  • Creditor insurance gross written premiums in Chile, segmented by policy type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Chile, segmented by cover type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Chile, segmented by policy and cover type, 2011 and 2015 (table)
  • Creditor insurance gross written premiums in Chile, segmented by policy and cover type, 2019 (forecast) (table)

6.0 COLOMBIA

  • Residential mortgage lending balances outstanding in Colombia (absolute and per capita), 2011 to 2015
  • Consumer non-mortgage lending balances outstanding in Colombia (absolute and per capita), 2011 to 2015
  • Credit and other pay later cards issued and per capita in Colombia, 2011 to 2015
  • Key data points for the consumer lending market in Colombia, 2011 to 2015 (table)
  • Provision of creditor insurance linked to mortgages in Colombia, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Colombia, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Colombia, 2015: provision rate, operating models and weighted provider share of partnerships
  • Unweighted risk coverage of creditor insurance policies in Colombia, segmented by type of underlying product, 2015
  • Weighted risk coverage of creditor insurance policies in Colombia, segmented by type of underlying product, 2015
  • Creditor insurance gross written premiums in Colombia, segmented by policy type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Colombia, segmented by cover type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Colombia, segmented by policy and cover type, 2011 and 2015 (table)
  • Creditor insurance gross written premiums in Colombia, segmented by policy and cover type, 2015 and 2019 (table) (forecast)

7.0 MEXICO

  • Residential mortgage lending balances outstanding in Mexico (absolute and per capita), 2011 to 2015
  • Consumer non-mortgage lending balances outstanding in Mexico (absolute and per capita), 2011 to 2015
  • Credit and other pay later cards issued and per capita in Mexico, 2011 to 2015
  • Key data points for the consumer lending market in Mexico, 2011 to 2015 (table)
  • Provision of creditor insurance linked to mortgages in Mexico, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Mexico, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Mexico, 2015: provision rate, operating models and weighted provider share of partnerships
  • Unweighted risk coverage of creditor insurance policies in Mexico, segmented by type of underlying product, 2015
  • Weighted risk coverage of creditor insurance policies in Mexico, segmented by type of underlying product, 2015
  • Creditor insurance gross written premiums in Mexico, segmented by policy type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Mexico, segmented by cover type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Mexico, segmented by policy and cover type, 2011 and 2015 (table)
  • Creditor insurance gross written premiums in Mexico, segmented by policy and cover type, 2019 (table) (forecast)

8.0 PERU

  • Residential mortgage lending balances outstanding in Peru (absolute and per capita), 2011 to 2015
  • Consumer non-mortgage lending balances outstanding in Peru (absolute and per capita), 2011 to 2015
  • Credit and other pay later cards issued and per capita in Peru, 2011 to 2015
  • Key data points for the consumer lending market in Peru, 2011 to 2015 (table)
  • Provision of creditor insurance linked to mortgages in Peru, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Peru, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Peru, 2015: provision rate, operating models and weighted provider share of partnerships
  • Unweighted risk coverage of creditor insurance policies in Peru, segmented by type of underlying product, 2015
  • Weighted risk coverage of creditor insurance policies in Peru, segmented by type of underlying product, 2015
  • Market share of top ten underwriters of creditor insurance in Peru, 2010 to 2014
  • Creditor insurance gross written premiums in Peru, segmented by policy type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Peru, segmented by cover type, 2011, 2015 and 2019 (forecast)
  • Creditor insurance gross written premiums in Peru, segmented by policy and cover type, 2011 and 2015
  • Creditor insurance gross written premiums in Peru, segmented by policy and cover type, 2015 and 2019 (forecast)
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