Key Findings
§ The total bank loans demand in the Middle East is expected to grow at the CAGR of 21.81% during 2007-2011.
§ The total bank deposit of the region is expected to grow at the CAGR of 19.18% during 2007-2011.
§ Bancassurance will emerge as a big opportunity for the Middle East as it offers vast room for growth in insurance market as the insurance penetration rate of the region was below 10% in 2006. But with Bancassurance, insurance sales are expected to rise up to US$ 100 Million in 2010.
§ There exist plenty of opportunities in Microfinance sector as the potential for the sector is enormous and today's microfinance intermediaries meet around 5% of the region's total demand.
§ Growth in young and educated population has been the main driver for banking in the Middle East as this population proved to be more demanding, have a good knowledge and understand of banking products and their need.
§ Credit card market in Oman is expected to grow at a rate of 10% in 2007 and 8% in 2008. As this market in Oman remains small and undeveloped, there exist vast scope for further growth.
§ The credit cards industry in Qatar is expected to sustain current levels of growth of over 20% per annum (by number of cards and billed volume in 2007 and 2008) due to low credit losses, continued economic growth and the entry of new players in the market.
Key Issues and Facts Analyzed
This research report also addresses the issues and facts vital to the success of banking business, such as:
§ How competitive is the market landscape for banking industry in the Middle East?
§ What is the nature of services driving the banking sector in the Middle East countries?
§ What are the country and region-wise opportunities and challenges for this industry?
§ What are the prospective areas of investment for the banks in near future?
§ Which factors will lead to the growth of bankcards, loans and deposits in the Middle East?
§ What is the extent of foreign penetration in the Middle East banking industry?
Key Products
The key products analyzed in the report are Deposits, Credit Cards, Debit Card, Loans, ATM, POS (Point of Sale) Terminals and Bancassurance.
Key Players
This section provides an overview, key facts, and financials of several prominent players in the industry, including National Bank of Bahrain, Bank Hapoalim Ltd, National Bank of Kuwait, National Commercial Bank, Oman International Bank, Jordan Ahli Bank, Bank Saderat, National Bank of Dubai, Qatar National Bank and Akbank.
Research Methodology Used
Information Sources
The information has been sourced from multiple credible sources like books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to more than 3000 paid databases.
Analysis Methods
The analysis methods include Ratio Analysis, Historical Trend Analysis, Linear Regression Analysis using software tools, Judgmental Forecasting and Cause and Effect Analysis.
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
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