Opportunities in Brazil Banking Sector

Table of Contents

1. Analyst View

2. Research Overview

3. Industry Overview

• 3.1 Worldwide Banking Industry
  • 3.1.1 By Assets
  • 3.1.2 By Deposits
  • 3.1.3 By Loans
  • 3.1.4 Banking Industry Forecast (2007-2011)
  • 3.1.5 Regional Segmentation by Loans
• 3.2 Latin America - Banking Industry
• 3.3 Brazil Banking Industry
  • 3.3.1 Types of Banks
  • 3.3.2 Top 10 Banks
    • 3.3.2.1 By Network of Branches
    • 3.3.2.2 By Assets

4. Brazil Banking Industry Performance

• 4.1 By Products
  • 4.1.1 By Payment Instruments
    • 4.1.1.1 Cheques
    • 4.1.1.2 Debit Cards
    • 4.1.1.3 Credit Cards
    • 4.1.1.4 E-money
    • 4.1.1.5 Retailer Cards
    • 4.1.1.6 Charge Cards
    • 4.1.1.7 Direct Debit
    • 4.1.1.8 Credit Transfer
    • 4.1.1.9 ATMs
  • 4.1.2 By Deposits
    • 4.1.2.1 Current Account Deposits
    • 4.1.2.2 Time & Saving Deposits
  • 4.1.3 By Loans
• 4.2 Net Interest Income

5. Industry Drivers

• 5.1 Increase in Per Head Disposable Income
• 5.2 Increase in Employment
• 5.3 Growth in Economy
• 5.4 Favorable Demographical Factor
• 5.5 Factors attracting Entry of Foreign Banks
  • 5.5.1 Banking Crisis in 1995
  • 5.5.2 Program of Privatization of State-Owned Banks (PROES)
  • 5.5.3 High Return to the Financial Institutions

6. Opportunities & Challenges

• 6.1 Opportunities
  • 6.1.1 Emergence of Corporate & Mortgage Credit
  • 6.1.2 E-Banking
  • 6.1.3 ATMs
  • 6.1.4 Payment Cards Area
  • 6.1.5 Micro Credit Sector
  • 6.1.6 T-Banking
  • 6.1.7 Increasing Bankable Household
  • 6.1.8 Increasing Lending Requirements
  • 6.1.9 Increasing Bank Deposits
  • 6.1.10 Increasing Employment
  • 6.1.11 Increasing Population
  • 6.1.12 EMV-compliant Smart Cards
• 6.2 Challenges
  • 6.2.1 Basel II Accord
  • 6.2.2 High Interest Rate Regime
  • 6.2.3 Volatility in Financial Markets
  • 6.2.4 Consolidation in the Banking Industry
  • 6.2.5 Weakening US$

7. Future Outlook

• 7.1 Bank Loans
• 7.2 Bank Deposits
• 7.3 Bank Loans/Asset Ratio
• 7.4 Bank Loans/Deposits Ratio
• 7.5 Net Interest Income

8. Major Players in Brazil Banking Industry

• 8.1 Local Banks
  • 8.1.1 Banco do Brasil
  • 8.1.2 Banco Bradesco S.A
  • 8.1.3 Banco Itaú Holding Financeira
  • 8.1.4 Unibanco Holdings S.A.
• 8.2 Foreign Banks
  • 8.2.1 ABN AMRO Holding N.V
  • 8.2.2 Banco Santander Central Hispano, S.A
  • 8.2.3 HSBC Holdings Plc
  • 8.2.4 Credit Suisse Group
  • 8.2.5 Deutsche Bank AG

9. Annexure

• 9.1 Laws Regarding Bankruptcy
• 9.2 Provisions related to Investment
• 9.3 International Capital & Foreign Exchange Market Regulation

List of Figures:

• Figure 3-1: Worldwide - Banking Assets' Growth (in Billion US$), 2002-2006
• Figure 3-2: Worldwide - Growth in Banking Deposits (in Billion US$), 2002-2006
• Figure 3-3: Worldwide - Growth in Banking Loans (in Billion US$), 2002-2006
• Figure 3-4: Worldwide - Forecast for Total Bank Deposits (in Trillion US$), 2007-2011
• Figure 3-5: Worldwide - Forecast for Total Bank Loans (in Trillion US$), 2007-2011
• Figure 3-6: Worldwide - Forecast for Total Assets (in Trillion US$), 2007-2011
• Figure 3-7: Latin America - Contribution in Worldwide Banking Industry in terms of Bank Loans (in Trillion US$), 2002-2006
• Figure 3-8: Latin America - Brazil' s Market Share in terms of Bank Loans (%), 2006
• Figure 3-9: Brazil - Banking Assets (in Billion US$), 2002-2006E
• Figure 3-10: Brazil - Forecast for Banking Assets (in Million US$), 2007-2011
• Figure 3-11: Brazil - Share of Private & Public Sector Banks in terms of Number of Banks (%), 2005
• Figure 4-1: Brazil - Use of Cheques as a Payment Instrument (in Million), 2000-2006E
• Figure 4-2: Brazil - Debit Cards' Transactions (in Million), 2000-2006E
• Figure 4-3: Brazil - Number of Debit Cards (in Million), 2000-2006E
• Figure 4-4: Brazil - Credit Cards' Transactions (in Million), 2000-2006E
• Figure 4-5: Brazil - Number of Credit Cards (in Million), 2000-2006E
• Figure 4-6: Brazil - Direct Debit Transactions (in Million), 2000-2006E
• Figure 4-7: Brazil - Interbank Credit Transfer (in Million), 2000-2006E
• Figure 4-8: Brazil - Number of ATM Terminals (2000-2006E)
• Figure 4-9: Brazil - Current Account Deposits (in Billion US$), 2001-2006E
• Figure 4-10: Brazil - Time & Saving Deposits (in Billion US$), 2001-2006E
• Figure 4-11: Brazil - Bank Loan (in Billion US$), 2001-2006E
• Figure 4-12: Brazil - Net Bank Interest Income (in Billion US$), 2001-2006E
• Figure 5-1: Brazil - Per Head Disposable Income (in US$), 2002-2006
• Figure 5-2: Brazil - Employment (in Million), 2001-2006E
• Figure 5-3: Brazil - Nominal GDP (in Billion US$), 2002-2006
• Figure 6-1: Brazil - Forecast for Bankable Household (in Thousand), 2007-2011
• Figure 6-2: Brazil - Forecast for Total Lending per Bankable Household (in US$), 2007-2011
• Figure 6-3: Brazil - Forecast for Employment Growth (in Million), 2007-2011
• Figure 6-4: Brazil - Forecast for Population between Age Group of 15-64 (%), 2007-2011
• Figure 7-1: Brazil - Forecast for Bank Loans (in Billion US$), 2007-2011
• Figure 7-2: Brazil - Forecast for Bank Deposits (in Billion US$), 2007-2011
• Figure 7-3: Brazil - Forecast for Bank Loans/Assets Ratio (%), 2007-2011
• Figure 7-4: Brazil - Forecast for Bank Loans/Deposits Ratio (%), 2007-2011
• Figure 7-5: Brazil - Forecast for Net Interest Income (in Billion US$), 2007-2011

List of Tables:

• Table 3-1: Worldwide - Regional Segmentation of Banking Industry in terms of Loans (in Trillion US$), 2002-2006
• Table 3-2: Brazil - Bank Types & Numbers (March 2007)
• Table 3-3: Brazil - Number of Banks by Capital Structure, 2005
• Table 3-4: Brazil - Top 10 Banks by the Network of Branches (Feb 2007)
• Table 3-5: Brazil - Top 10 Banks by Assets (in Million US$), 2005-06
• Table 5-1: Brazil - Population Break-up as per Age Group (%), 2001-2006E
• Table 8-1: Banco do Brasil - Key Financials (in Million BRL), 2005 & 2006
• Table 8-2: Banco Bradesco - Key Financials (in Million BRL), 2005 & 2006
• Table 8-3: Banco Itaú - Key Financials (in Million US$), 2003-2005
• Table 8-4: Unibanco Holdings S.A. - Key Financials (in Million BRL), 2005 & 2006
• Table 8-5: ABN AMRO Holding N.V - Key Financials (Million EUR), 2004 & 2005
• Table 8-6: Banco Santander Central Hispano, S.A - Key Financials (in Million EUR), 2005 & 2006
• Table 8-7: HSBC Holding Plc - Key Financials (in Million US$), 2005 & 2006
• Table 8-8: Credit Suisse Group - Key Financials (in Million US$), 2003-2005
• Table 8-9: Deutsche Bank AG - Key Financials (Million EUR), 2005 & 2006