Middle East Banking Sector Analysis (2007-2011)

Table of Contents

1. Analyst View

2. Research Overview

3. Worldwide Banking Industry

• 3.1 Overview
• 3.2 Regional Segmentation
• 3.3 Top Banks - By Region

4. Asian Banking Industry

• 4.1 Overview
• 4.2 Top Banks

5. Middle East Banking Industry

• 5.1 Overview
• 5.2 Segmentation - By Country
  • 5.2.1 Turkey
    • 5.2.1.1 Overview
    • 5.2.1.2 Performance
      • 5.2.1.2.1 Debit Cards
      • 5.2.1.2.2 Credit Cards
      • 5.2.1.2.3 ATM & POS Terminals
      • 5.2.1.2.4 Bank Loans
      • 5.2.1.2.5 Bank Deposits
  • 5.2.2 Israel
    • 5.2.2.1 Overview
    • 5.2.2.2 Performance
      • 5.2.2.2.1 Credit Cards
      • 5.2.2.2.2 Bank Loans
      • 5.2.2.2.3 Bank Deposits
      • 5.2.2.2.4 Net Interest Income
  • 5.2.3 UAE
    • 5.2.3.1 Overview
    • 5.2.3.2 Performance
      • 5.2.3.2.1 Bank Deposits
      • 5.2.3.2.2 Bank Loans
      • 5.2.3.2.3 Credit Cards
  • 5.2.4 Saudi Arabia
    • 5.2.4.1 Overview
    • 5.2.4.2 Performance
      • 5.2.4.2.1 ATM Terminals
      • 5.2.4.2.2 Payment Cards
      • 5.2.4.2.3 POS Terminals
      • 5.2.4.2.4 Bank Loans
      • 5.2.4.2.5 Bank Deposits
      • 5.2.4.2.6 Net Interest Income
  • 5.2.5 Iran
    • 5.2.5.1 Overview
    • 5.2.5.2 Performance
      • 5.2.5.2.1 Payment Cards
      • 5.2.5.2.2 ATM Terminals
      • 5.2.5.2.3 POS Terminals
      • 5.2.5.2.4 Bank Deposits
      • 5.2.5.2.5 Bank Loans
      • 5.2.5.2.6 Net Interest Income
  • 5.2.6 Bahrain
    • 5.2.6.1 Overview
    • 5.2.6.2 Performance
      • 5.2.6.2.1 E-Banking
      • 5.2.6.2.2 Credit Cards
      • 5.2.6.2.3 Internet Banking
      • 5.2.6.2.4 Bank Loans
  • 5.2.7 Kuwait
    • 5.2.7.1 Overview
    • 5.2.7.2 Performance
      • 5.2.7.2.1 Bank Deposits
      • 5.2.7.2.2 Bank Loans
      • 5.2.7.2.3 Credit Cards
  • 5.2.8 Qatar
    • 5.2.8.1 Overview
    • 5.2.8.2 Performance
      • 5.2.8.2.1 Bank Deposits
      • 5.2.8.2.2 Bank Loans
      • 5.2.8.2.3 Credit Cards
  • 5.2.9 Jordan
    • 5.2.9.1 Overview
    • 5.2.9.2 Performance
      • 5.2.9.2.1 Bank Deposits
      • 5.2.9.2.2 Bank Loans
      • 5.2.9.2.3 Credit Cards
  • 5.2.10 Oman
    • 5.2.10.1 Overview
    • 5.2.10.2 Performance
      • 5.2.10.2.1 Bank Deposits
      • 5.2.10.2.2 Bank Loans
      • 5.2.10.2.3 Payment Cards

6. Industry Analysis

• 6.1 Drivers
  • 6.1.1 Open Market Economy
  • 6.1.2 Rise in Disposable Income
  • 6.1.3 Uncertainty in Equity Market
  • 6.1.4 Favorable Tax Environment
  • 6.1.5 Young & Educated Population
  • 6.1.6 Technology Growth
  • 6.1.7 Innovative & Efficient Products
  • 6.1.8 Decreasing Unemployment
• 6.2 Opportunities
  • 6.2.1 Credit Cards Market
  • 6.2.2 POS Terminals in Oman
  • 6.2.3 ATM Terminals
  • 6.2.4 Bancassurance
  • 6.2.5 Microfinance
  • 6.2.6 Virtual Banking
  • 6.2.7 Private Banking
  • 6.2.8 For New Entrants
  • 6.2.9 Expatriate Remittances Market
• 6.3 Challenges
  • 6.3.1 Basel II Accords
  • 6.3.2 Risk Factors in Qatar
  • 6.3.3 Majority of State-owned Banks
  • 6.3.4 Highly Concentrated Market
  • 6.3.5 Challenges for Microfinance
    • 6.3.5.1 Lack of Experience & Exposure
    • 6.3.5.2 Political Uncertainty & Macroeconomic Instability
    • 6.3.5.3 Social & Cultural Barriers
    • 6.3.5.4 Inadequate Infrastructure
    • 6.3.5.5 Legal & Regulatory Barriers

7. Future Outlook (2007-2011)

• 7.1 Bank Loans Forecast (2007-2011)
• 7.2 Bank Deposits Forecast (2007-2011)

8. Key Players

• 8.1 National Bank of Bahrain
• 8.2 Bank Hapoalim Ltd.
• 8.3 National Bank of Kuwait
• 8.4 National Commercial Bank
• 8.5 Oman International Bank
• 8.6 Jordan Ahli Bank
• 8.7 Bank Saderat
• 8.8 National Bank of Dubai
• 8.9 Qatar National Bank
• 8.10 Akbank

List of Figures:

• Figure 3-1: Worldwide - Bank Assets (in Trillion US$), 2002-2006
• Figure 3-2: Worldwide - Forecast for Bank Assets (in Trillion US$), 2007-2011
• Figure 4-1: Asia - Bank Loans (in Trillion US$), 2002-2006
• Figure 4-2: Asia - Forecast for Bank Loans (in Trillion US$), 2007-2011
• Figure 4-3: Asia - Top Banks by Country, 2007
• Figure 5-1: Middle East - Bank Assets (in Billion US$), 2003-2006
• Figure 5-2: Middle East - Forecast for Bank Assets (in Billion US$), 2007-2011
• Figure 5-3: Turkey - Bank Assets (in Billion US$), 2002-2006 & Mar 2007
• Figure 5-4: Turkey - Forecast for Bank Assets (in Billion US$), 2007-2011
• Figure 5-5: Turkey - Number of Debit Cards (in Million), 2001-2006 & May 2007
• Figure 5-6: Turkey - Forecast for Number of Debit Cards (in Million), 2007-2011
• Figure 5-7: Turkey - Number of Credit Cards (in Million), 2001-2006 & May 2007
• Figure 5-8: Turkey - Forecast for Number of Credit Cards (in Million), 2007-2011
• Figure 5-9: Turkey - Number of ATM & POS Terminals (in Thousand), 2001-2006 & May 2007
• Figure 5-10: Turkey - Forecast for Number of ATM Terminals (in Thousand), 2007-2011
• Figure 5-11: Turkey - Bank Loans (in Million US$), 2002-2006 & Mar 2007
• Figure 5-12: Turkey - Non-Performing Bank Loans (in Million US$), 2002-2006 & Mar 2007
• Figure 5-13: Turkey - Forecast for Bank Loans (in Billion US$), 2007-2011
• Figure 5-14: Turkey - Bank Deposits (in Billion US$), 2002-2006 & Mar 2007
• Figure 5-15: Turkey - Forecast for Bank Deposits (in Billion US$), 2007-2011
• Figure 5-16: Israel - Bank Assets (in Million US$), 2001-2006E
• Figure 5-17: Israel - Forecast for Bank Assets (in Million US$), 2007-2011
• Figure 5-18: Israel - Market Share of Credit Card Companies (%), 2006
• Figure 5-19: Israel - Bank Loans (in Million US$), 2002-2006E
• Figure 5-20: Israel- Forecast for Bank Loans (in Million US$), 2007-2011
• Figure 5-21: Israel - Bank Deposits (in Million US$), 2002-2006E
• Figure 5-22: Israel - Forecast for Bank Deposits (in Million US$), 2007-2011
• Figure 5-23: Israel - Net Interest Income (in Million US$), 2002-2006E
• Figure 5-24: Israel - Forecast for Net Interest Income (in Million US$), 2007-2011
• Figure 5-25: UAE - Bank Assets (in Billion Dirham), 2003-2006 & Mar 2007
• Figure 5-26: UAE - Forecast for Bank Assets (in Billion Dirham), 2007-2011
• Figure 5-27: UAE - Bank Deposits (in Billion Dirham), 2003-2006 & Mar 2007
• Figure 5-28: UAE - Forecast for Bank Deposits (in Billion Dirham), 2007-2011
• Figure 5-29: UAE - Bank Loans (in Billion Dirham), 2003-2006 & Mar 2007
• Figure 5-30: UAE - Forecast for Bank Loans (in Billion Dirham), 2007-2011
• Figure 5-31: Saudi Arabia - Bank Assets (in Million US$), 2001-2006E
• Figure 5-32: Saudi Arabia - Forecast for Bank Assets (in Million US$), 2007-2011
• Figure 5-33: Saudi Arabia - Number of ATM Terminals (2001-2006 & May 2007)
• Figure 5-34: Saudi Arabia - Forecast for Number of ATM Terminals (2007-2011)
• Figure 5-35: Saudi Arabia - Number of Payment Cards (in Million), 2001-2006 & May 2007
• Figure 5-36: Saudi Arabia - Forecast for Number of Payment Cards (in Million), 2007-2011
• Figure 5-37: Saudi Arabia - Number of POS Terminals (2001-2006 & May 2007)
• Figure 5-38: Saudi Arabia - Forecast for Number of POS Terminals (2007-2011)
• Figure 5-39: Saudi Arabia - Bank Loans (in Million US$), 2001-2006E
• Figure 5-40: Saudi Arabia - Forecast for Bank Loans (in Million US$), 2007-2011
• Figure 5-41: Saudi Arabia - Bank Deposits (in Million US$), 2001-2006E
• Figure 5-42: Saudi Arabia - Forecast for Bank Deposits (in Million US$), 2007-2011
• Figure 5-43: Saudi Arabia - Net Interest Income (in Million US$), 2001-2006E
• Figure 5-44: Saudi Arabia - Forecast for Net Interest Income (in Million US$), 2007-2011
• Figure 5-45: Iran - Bank Assets (in Million US$), 2001-2006E
• Figure 5-46: Iran - Forecast for Bank Assets (in Million US$), 2007-2011
• Figure 5-47: Iran - Bank Deposits (in Million US$), 2001-2006E
• Figure 5-48: Iran - Forecast for Bank Deposits (in Million US$), 2007-2011
• Figure 5-49: Iran - Bank Loans (in Million US$), 2001-2006E
• Figure 5-50: Iran - Forecast for Bank Loans (in Million US$), 2007-2011
• Figure 5-51: Iran - Net Interest Income (in Million US$), 2001-2006E
• Figure 5-52: Iran - Forecast for Net Interest Income (in Million US$), 2007-2011
• Figure 5-53: Bahrain - Bank Assets (in Million US$), 2002-2006
• Figure 5-54: Bahrain - Forecast for Bank Assets (in Million US$), 2007-2011
• Figure 5-55: Bahrain - Foreign Bank Assets (in Million US$), 2002-2006
• Figure 5-56: Bahrain - Forecast for Foreign Bank Assets (in Million US$), 2007-2011
• Figure 5-57: Bahrain - Number of Credit Cards Holders & Accounts (2004 & 2005)
• Figure 5-58: Bahrain - Number of Bahraini & Non-Bahraini Credit Card Holders (2004 & 2005)
• Figure 5-59: Bahrain - Interest on Credit Cards (%), 2003-2006 & Mar 2007
• Figure 5-60: Bahrain - Breakup of Bank Loans to Business Sector (%), 2006
• Figure 5-61: Kuwait - Bank Assets (in Million Dinar), 2001-2006 & June 2007
• Figure 5-62: Kuwait - Forecast for Bank Assets (in Million Dinar), 2007-2011
• Figure 5-63: Kuwait - Bank Deposits (in Million Dinar), 2001-2006 & June 2007
• Figure 5-64: Kuwait - Forecast for Bank Deposits (in Million Dinar), 2007-2011
• Figure 5-65: Kuwait - Bank Loans (in Million Dinar), 2001-2006 & June 2007
• Figure 5-66: Kuwait - Forecast for Bank Loans (in Million Dinar), 2007-2011
• Figure 5-67: Qatar - Bank Assets (in Million QR), 2002-2006 & Feb 2007
• Figure 5-68: Qatar - Forecast for Bank Assets (in Million QR), 2007-2011
• Figure 5-69: Qatar - Bank Deposits (in Million QR), 2002-2006 & Feb 2007
• Figure 5-70: Qatar - Forecast for Bank Deposits (in Million QR), 2007-2011
• Figure 5-71: Qatar - Bank Loans (in Million QR), 2002-2006 & Feb 2007
• Figure 5-72: Qatar - Forecast for Bank Loans (in Million QR), 2007-2011
• Figure 5-73: Jordan - Bank Assets (in Million JD), 2001-2006
• Figure 5-74: Jordan - Forecast for Bank Assets (in Million JD), 2007-2011
• Figure 5-75: Jordan - Bank Deposits (in Million JD), 2001-2006
• Figure 5-76: Jordan - Forecast for Bank Deposits (in Million JD), 2007-2011
• Figure 5-77: Jordan - Bank Loans (in Millions JD) 2001-2006
• Figure 5-78: Jordan - Forecast for Bank Loans (in Million JD), 2007-2011
• Figure 5-79: Jordan - NPL/Net Credit Facilities (%), 2004 & 2005
• Figure 5-80: Jordan - Pre-Tax Profit from Credit Card Market (in Million US$), 2005 & 2006
• Figure 5-81: Oman - Bank Assets (in Million RO), 2001-2006 & Mar 2007
• Figure 5-82: Oman - Forecast for Bank Assets (in Million RO), 2007-2011
• Figure 5-83: Oman - Bank Deposits (in Million RO), 2001-2006 & Mar 2007
• Figure 5-84: Oman - Forecast for Bank Deposits (in Million RO), 2007-2011
• Figure 5-85: Oman - Bank Loans (in Million RO), 2001-2006 & Mar 2007
• Figure 5-86: Oman - Forecast for Bank Loans (in Million RO), 2007-2011
• Figure 5-87: Oman - Breakup of Bank Loans (%), Mar 2007
• Figure 5-88: Oman - Non-Performing Bank Loans in Different Sectors (%), 2006
• Figure 5-89: Oman - Number of Credit, Debit & ATM Cards, 2005
• Figure 6-1: Middle East - Percentage of Demand Fulfill by Microfinance, 2006
• Figure 6-2: Middle East - High Net Worth Individuals Growth (%), 2004-2006
• Figure 7-1: Middle East - Forecast for Bank Loans (in Billion US$), 2007-2011
• Figure 7-2: Middle East - Forecast for Bank Deposits (in Billion US$), 2007-2011

List of Tables:

• Table 3-1: Worldwide - Bank Loans by Region (in Trillion US$), 2002-2006
• Table 3-2: Worldwide - Top Banks by Region, 2006
• Table 5-1: Middle East - Comparison of Conventional & Islamic Banks
• Table 5-2: Middle East - Bank Assets by Country (in Billion US$), 2006E
• Table 5-3: Turkey - Types of Debit Cards (in Thousand), 2001-2006
• Table 5-4: Turkey - Types of Credit Cards (in Thousand), 2001-2006
• Table 5-5: Saudi Arabia - List of Local Banks (Mar 2007)
• Table 5-6: Saudi Arabia - List of Foreign Banks, 2006
• Table 5-7: Saudi Arabia - List of Credit Institutions, 2006
• Table 5-8: Iran - List of Government-owned Commercial Banks, 2006
• Table 5-9: Iran - List of Private Banks, 2006
• Table 5-10: Iran - List of Specialized Government Banks, 2006
• Table 5-11: Iran - Number of Payment Cards Issued by Bank, 2005
• Table 5-12: Iran - Number of ATM Terminals Installed by Bank, 2005
• Table 5-13: Iran - Number of POS Terminals Installed by Bank, 2005
• Table 5-14: Bahrain - Types & Number of Conventional Banks, 2006
• Table 5-15: Bahrain - Types & Number of Islamic Banks, 2006
• Table 5-16: Bahrain - Local Commercial Banks Offering E-Banking Services, 2004
• Table 5-17: Bahrain - Local Commercial Banks Offering Internet Banking, 2004
• Table 8-1: National Bank of Bahrain - Key Financials (in Million Bahraini Dinar), 2004-2006
• Table 8-2: Bank Hapoalim Ltd. - Key Financials (in Billion Israeli New Shekel), 2005 & 2006
• Table 8-3: National Bank of Kuwait - Key Financials (in Million US$), 2005 & 2006
• Table 8-4: National Commercial Bank - Key Financials (in Thousand Saudi Riyal), 2005 & 2006
• Table 8-5: Oman International Bank - Key Financials (in Thousand Rial Omani), 2005 & 2006
• Table 8-6: Jordan Ahli Bank - Key Financials (in Billion JD), 2005 & 2006
• Table 8-7: Bank Saderat - Key Financials (in Million US$), 2005 & 2006
• Table 8-8: National Bank of Dubai - Key Financials (in Thousand Arab Emirates Dirham), 2005 & 2006
• Table 8-9: Qatar National Bank - Key Financials (in Million Qatari Riyal), 2003-2006
• Table 8-10: Akbank - Key Financials (in Million YTL), 2004-2006