Creditor Insurance in Latin America

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Creditor Insurance in Latin America

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Finaccord's report titled Creditor Insurance in Latin America offers uniquely detailed insights into the market for creditor insurance, sometimes also referred to as payment protection insurance or loan-related insurance, in six countries. Creditor insurance was worth around USD 6.08 billion in gross written premiums in the region in 2012, including coverage for life and permanent disability as well as the temporary disability and unemployment elements. Moreover, with rapid growth forecast for most markets and with profit margins relatively high, creditor insurance remains an attractive business for both lending institutions and underwriters to cultivate.

Drawing on the results of a survey of close to 370 lending institutions in six countries - Argentina, Brazil, Chile, Colombia, Mexico and Peru - the report analyses the distribution of creditor insurance by banks and other lending institutions, how provision rates vary for different lending products, operating models used for arranging creditor insurance, and distribution partnerships weighted by the size of distributors. The PartnerBASE dataset that accompanies the report details each of some 540 creditor insurance distribution deals traced by Finaccord. In short, this study will provide you with the definitive guide to current and future opportunities in creditor insurance in Latin America.

You may be able to use this report plus the PartnerBASE dataset and market data file that accompany it in one or more of the following ways:

- appreciate the magnitude of the opportunity in creditor insurance in Latin America: between 2012 and 2016, the market is forecast to grow at a nominal compound annual rate of more than 10% in five out of six countries;

- 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;

- gain insight into the presence in Latin America of leading international creditor insurance market participants including ACE, Assurant Solutions, BNP Paribas Cardif, CNP, Genworth Financial and MetLife;

- utilise the PartnerBASE dataset and market data file to gain rapid access to the important facts and figures in a user-friendly Excel format.

Table of Contents 

0.0 EXECUTIVE SUMMARY

Gross written premiums across the six countries amounted to over USD 6 billion in 2012...... within which loan payment protection policies made up around USD 3.36 billion...... and cover for temporary incapacity and unemployment approximately USD 1.20 billionThe leading eight groups are likely to account for more than two thirds of the total regional marketBradesco is prominent as a result of Brazil's large creditor insurance marketBNP Paribas Cardif possesses the most relationships, spread across a wide range of countriesMAPFRE has concluded a significant new distribution agreement with Genworth Financial 

1.0 INTRODUCTION

What is this report about?Distribution partnerships with banks and other lending institutions constitute the focus of this reportRationaleThe report tracks over 540 separate initiatives for marketing creditor insuranceMethodologySurvey of banks and other lending institutionsMarket dataDefinitionsCreditor insuranceMortgages, consumer finance and credit cardsWeighted provider share of partnershipsOperating modelsAbbreviations and exchange ratesPartnerBASE™ and market data annexeFinaccord 

2.0 LATIN AMERICAN OVERVIEW

IntroductionMarket analysis – consumer lendingConsumer lending balances outstanding amounted to USD 904.9 billion across the six countries in 2012Mortgage lending in Brazil experienced particularly strong growth between 2008 and 2012...... while Argentina displays the highest compound annual growth in consumer non-mortgage lendingRelative to its GDP, the Argentine lending market is the least developed of the six reviewedChile's developed lending market makes it comfortably the largest in per capita terms…... although that of Brazil narrowed the gap between 2008 and 2012Mortgage balances per capita remain below USD 1,000 in all countries apart from ChileConsumer non-mortgage balances per capita are highest in Brazil and lowest in PeruCredit card loans account for a substantial proportion of total non-mortgage lending in Argentina and ChileNon-mortgage credit has fallen as a proportion of total consumer lending in all but one countryBrazil accounts for over 80% of the region's total credit and other pay later cards in circulation...… although Argentina's market has grown most rapidly in recent yearsIn per capita terms, the credit card markets of Colombia, Mexico and Peru remain under-developedCreditor insurance provision rates and operating modelsCreditor insurance linked to mortgagesIn four out of six countries, provision of mortgage-related creditor insurance is universalUse of a single external underwriter constitutes the most regularly used operating model in three markets…… although use of multiple external underwriters is preferred in BrazilWhen analysed on a weighted basis, the use of captive underwriters is significantly more prominentPolicies including cover for temporary incapacity and unemployment are most widespread in ChileWhen analysed at a group level, the leading eight provider groups account for almost 70% of this market...... with BNP Paribas likely to be the regional leader thanks to its large number of partnershipsCreditor insurance linked to consumer financeAll eligible lending institutions in Argentina and Peru offer creditor insurance linked to consumer financeA majority of initiatives are organised in conjunction with a single, external product providerOn a weighted basis, use of captive providers becomes more prominent within the totalIn five out of six countries, there is plenty of scope for the development of fully-fledged creditor insuranceBradesco is likely to be the region's leading provider in creditor insurance linked to consumer finance...... with MAPFRE identifiable as the most prominent group from outside of Latin AmericaCreditor insurance linked to credit cardsCredit card payment protection insurance is offered most commonly by Peruvian card issuersEven on an unweighted basis, captive underwriters are especially prominent in BrazilViewed on a weighted basis, captive underwriters are likely to be dominant in Brazil, Mexico and PeruClose to a half of policies incorporate cover for one or both of temporary incapacity and unemploymentBNP Paribas, Zurich and MetLife are the closest rivals to the leading two Brazilian groupsMarket analysis – creditor insuranceThe total market value is predicted to advance to USD 10.73 billion in gross written premiums by 2016Robust growth is predicted for the life insurance elements of creditor insurance...... although the value of cover for temporary incapacity and unemployment is likely to rise more quicklyIn terms of its value, Brazil's market for mortgage-related creditor insurance is easily the largest...... although that of Chile is most well-developed relative to the size of the mortgage lending sectorIn loan payment protection insurance, the most rapid growth is predicted for Colombia and Peru...... in spite of the fact that the Colombian market is already well-developed by one key measureThe outlook for credit card payment protection insurance is apparently least auspicious in Mexico...... while there is most theoretical scope for growth in Brazil 

3.0 ARGENTINA

Banks and other lending institutions coveredEconomic backgroundThe Argentine economy has experienced periodic turbulence in recent years...… and was still struggling with the aftermath of the latest crisis at the start of 2013The service sector accounts for around 60% of economic outputPersistently high inflation is one of the country's most pressing problemsIn the Ease of Doing Business ranking, Argentina's economy is ranked only 124th in the worldIntroduction to the banking sectorIn terms of its number of retail customers, Banco de la Nación leads the marketState-owned banks account for a substantial proportion of the Argentine banking sectorThe leading ten banks hold over 70% of total consumer lending balances outstandingArgentina's persistently high inflation has had a marked effect on the lending marketICBC acquired an 80% stake in Standard Bank in October 2012Introduction to bancassuranceBancassurance accounts for a distribution share of around one quarter of total life insurance...... with several banks having established captive underwritersCNP Assurances and Zurich have both entered into bancassurance joint ventures in recent yearsIn Argentina, bancassurance is characterised by relatively 'light touch' regulationConsumer lending market size and growthMortgage lendingResidential mortgage balances grew at an annual rate of just 2.6% in real terms between 2008 and 2012Non-mortgage lendingNon-mortgage balances are significantly larger in value than mortgage balancesCredit and other pay later cardsHaving hit a plateau between 2008 and 2010, the credit card market surged in 2011 and 2012Creditor insurance provision rates, operating models and partnershipsCreditor insurance linked to mortgagesAll mortgage lending institutions have an arrangement for related creditor insuranceBy weighted share of partnerships, Galicia Seguros is the most prominent competitor...... albeit there are also opportunities for non-captive insurersCreditor insurance linked to consumer financeLoan payment protection insurance is also offered by all eligible lenders in Argentina...... with MetLife the most visible non-indigenous insurance provider...... and Sancor the most prominent non-captive underwriterCardif holds the most distribution partnerships...... in a crowded market in which there are over 20 competing underwriters in totalCreditor insurance linked to credit cardsSchemes for credit card payment protection insurance are also widespread in Argentina...... with Assurant more visible in this domain than for the other types of creditor insuranceA very large number of underwriters is active in this area...... although 19 credit card issuers have no apparent scheme in place for this type of coverCreditor insurance risk coverageA handful of lenders have introduced cover for one or both of temporary incapacity and unemploymentCreditor insurance market size, growth and forecastThe creditor insurance market is likely to have accelerated rapidly between 2008 and 2012 

4.0 BRAZIL

Banks and other lending institutions coveredEconomic backgroundBrazil's economy has performed very strongly in recent years...… with substantial natural resources boosting growthThe service sector accounts for over two thirds of Brazilian GDPIn the World Bank's Ease of Doing Business Index, Brazil's is ranked only 126th in the worldIntroduction to the banking sectorIn terms of its total number of retail customers Bradesco leads the marketGovernment-owned Banco do Brasil is ranked second by number of customersAs a percentage of GDP, lending to the private sector has almost doubled since 2003...... with consumer credit having increased as a consequence of several factorsRetail sector card issuers account for the majority of credit cards in circulation in BrazilThe banking sector is fairly concentrated with the ten largest banks accounting for over 80% of assets...... partly as a result of mergers and acquisitions involving Banco Itaú and BradescoIntroduction to bancassuranceAround 30% of Bradesco's profits are attributable to its insurance operationsMAPFRE and Zurich have both entered into bancassurance joint ventures in recent years...... with other insurers having established important strategic partnershipsThe bancassurance channel is characterised by relatively 'light touch' regulation in BrazilConsumer lending market size and growthMortgage lendingResidential mortgages in Brazil grew at a nominal compound annual rate of 45.8% between 2008 and 2012Non-mortgage lendingThe value of total non-mortgage consumer lending balances is more than twice that of mortgage balancesCredit and other pay later cardsCard issuers owned by or working closely with retail brands are highly influential in BrazilRising default rates have been a problem for credit card issuers in recent yearsCreditor insurance provision rates, operating models and partnershipsCreditor insurance linked to mortgagesThere are few mortgage lenders in Brazil but most of these sell related creditor insuranceBradesco is the leading provider by weighted share of partnerships…Aliança do Brasil was configured as a joint venture by Banco do Brasil and MAPFRE in 2010CNP's Caixa Seguradora joint venture directly serves around 4.8 million clients in BrazilNon-captive providers active in this arena include Allianz, HDI, SulAmérica and Tokio MarineCreditor insurance linked to consumer financeTwo thirds of entities offering consumer finance have a scheme in place for loan payment protection coverBradesco Seguros possesses both captive and non-captive partnershipsCardif has accumulated the highest outright number of distribution partnerships in this sphereAt least 20 separate underwriters vie for partnerships with lending institutions for this type of cover...... although 25 lending institutions have no apparent scheme for in place for this type of creditor insuranceCreditor insurance linked to credit cardsOver 20 schemes for card-related creditor insurance are up and running in BrazilZurich and Porto Seguro benefit from partnerships with large retail sector card distributorsCreditor insurance risk coverageThere is apparent room for provision rates for temporary incapacity and unemployment to develop furtherPerformance of key bancassurance underwritersAccording to the official data source, Caixa Seguradora is the market leader in creditor insurance...... having held this position consistently between 2007 and 2011Creditor insurance market size, growth and forecastThe market for all forms of creditor insurance is growing rapidly in Brazil...... with demand for mortgage-related policies rising at the greatest speedOfficial statistics exist to help quantify the market for creditor insurance in Brazil 

5.0 CHILE

Banks and other lending institutions coveredEconomic backgroundChile benefits from a diverse and export-driven economy…… that has displayed strong GDP growth in recent yearsChile was well prepared for the onset of the financial crisisThe financial sector accounts for around 16% of GDPIn the Index of Economic Freedom, Chile's is ranked seventh in the worldIntroduction to the banking sectorIn terms of number of retail customers, state-owned BancoEstado leads the market…… albeit Banco Santander is ranked first by banking assetsCo-operative banks play a prominent role in the Chilean banking system…… which also features a number of credit unions and retail sector card issuersSeveral banking institutions are owned wholly or partly by foreign entitiesSome merger and acquisition activity has taken place in recent yearsIntroduction to bancassuranceBancassurance in Chile is well-developed, in particular for non-life insurance products…… with captives and joint ventures among the largest underwriters in terms of premiumsBanking organisations are not allowed to sell investment-related life insurance productsConsumer lending market size and growthMortgage lendingChile's residential mortgage balances grew at a nominal annual rate of 9.2% between 2008 and 2012Non-mortgage lendingThe compound annual growth rate for non-mortgage balances is slightly lower than that for mortgagesCredit and other pay later cardsCard issuers owned by retail groups are dominant in the market for credit cards in ChileCreditor insurance provision rates, operating models and partnershipsCreditor insurance linked to mortgagesProvision of creditor insurance by mortgage lending institutions is universalBy weighted share of partnerships, Cardif is the most prominent competitor...Zurich and Santander entered into a 25-year strategic distribution arrangement in 2011… followed by four underwriters affiliated with Chile's largest banksCreditor insurance linked to consumer financeLoan payment protection insurance is offered by most lending institutions in Chile...... with MetLife identifiable as the leading insurer in terms of weighted partnership sharesMAPFRE has concluded a significant new distribution agreement with Genworth FinancialBanchile Seguros benefits from its various partnerships in this field with credit unionsCreditor insurance linked to credit cardsSchemes for credit card payment protection insurance are widespread in ChileCardif holds ties with six banking organisations for this form of cover...... with MetLife also very prominent in this sphereCreditor insurance risk coverageThe majority of creditor insurance policies incorporate comprehensive coveragePerformance of key bancassurance underwritersSubsidiaries of banks accounted for over 62% of the creditor life insurance market in 2011…… with Zurich Santander Seguros leading the marketCardif and MetLife are the most prominent non-captive underwriters for creditor insuranceCreditor insurance market size, growth and forecastThe total creditor insurance market is likely to be worth more than USD 700 million in 2012...... with increased mortgage lending expected to boost premiums further up to 2016Official statistics exist to help quantify the market for creditor insurance in Chile 

6.0 COLOMBIA

Banks and other lending institutions coveredEconomic backgroundColombia's economy has performed well in recent years...… having benefited from a strong free-market orientationIn the Ease of Doing Business ranking, Colombia's economy is ranked 45th in the worldIntroduction to the banking sectorIn terms of its number of retail customers, Bancolombia leads the market…… although Banco Davivienda is the largest player in the consumer lending sector...… and Grupo Aval controls four separate banking brandsColombia's mortgage market remains relatively smallFour significant transactions reshaped the banking market in 2012Introduction to bancassuranceBancassurance is estimated to account for around 15% of total life insurance premiumsBanks cannot directly own insurance companies but can belong to the same financial groupMany insurance companies adhere to a multi-channel distribution strategyAs in some other countries in Latin America, banks are not permitted to sell investment-related life policiesConsumer lending market size and growthMortgage lendingResidential mortgage balances grew at a nominal compound annual rate of 18.0% between 2008 and 2012Non-mortgage lendingProgress in non-mortgage consumer lending has been slightly less rapidCredit and other pay later cardsCredit card penetration in Colombia remains low by the standards of some Latin American countriesCreditor insurance provision rates, operating models and partnershipsCreditor insurance linked to mortgagesProvision of creditor insurance by mortgage lending institutions is universalBy weighted share of partnerships, Alfa is the most prominent competitor...... while both Cardif and Sura benefit from their partnerships with Colombia's largest bankCreditor insurance linked to consumer financeLoan payment protection insurance is offered by almost all eligible lenders in ColombiaCardif holds at least eight separate distribution relationships...... in a sector in which at least a dozen insurance providers are activeCreditor insurance linked to credit cardsSchemes for credit card payment protection insurance are also widespread in Colombia…… with familiar underwriters leading the market on a weighted basisCreditor insurance risk coverageAvailability of cover for temporary incapacity is more widespread than that for unemploymentCreditor insurance market size, growth and forecastCreditor insurance related to consumer finance accounts for the lion's share of the Colombian market... and this is expected to remain the case up to 2016 

7.0 MEXICO

Banks and other lending institutions coveredEconomic backgroundMexico is the second-largest economy in Latin America…… and has enjoyed reasonably strong economic performance in recent yearsThe service sector accounts for over 70% of GDPIn spite of economic progress, the country faces several major social problemsIn the World Bank's Ease of Doing Business Index, Mexico is ranked 53th in the worldIntroduction to the banking sectorBanco Azteca leads the market in terms of its outright number of retail customers...... but not when measured by its share of banking assetsThe banking sector is dominated by several foreign-owned entitiesA number of banks targeting lower-income customers are affiliated to retailing groupsDue to the influence of INFONAVIT, banks account for a limited share of mortgage lendingIntroduction to bancassuranceMexican bancassurance is well-developed, especially for life insurance productsSubsidiaries of the country's large financial groups are prominent in the bancassurance market…… particularly in the life insurance segmentConsumer lending market size and growthMortgage lendingMexico's residential mortgage balances grew at a nominal annual rate of 8.0% between 2008 and 2012Non-mortgage lendingNon-mortgage balances were hit by the financial crisis in 2009 but have since recoveredCredit and other pay later cardsThe number of credit cards in circulation declined slightly between 2008 and 2012Creditor insurance provision rates, operating models and partnershipsCreditor insurance linked to mortgagesAlmost all mortgage lenders offer related creditor insuranceCaptive and joint venture underwriters dominate the market in terms of weighted partnership shares...Zurich and Santander entered into a 25-year strategic distribution arrangement in 2011Genworth Financial identifiable as the leading non-captive insurer by this measureMexico's largest mortgage lender offers an automatic debt guarantee schemeMAPFRE has concluded a significant new distribution agreement with Genworth FinancialCreditor insurance linked to consumer financeLoan payment protection insurance is offered by most relevant lending organisations in Mexico…… and Seguros Azteca is ranked first by weighted share of partnershipsSix banking organisations have no apparent scheme for in place for this type of creditor insuranceCreditor insurance linked to credit cardsSchemes for credit card payment protection insurance are slightly less common in Mexico...... albeit they are still fairly numerous when compared to some other countriesCreditor insurance risk coverageMexico's creditor insurance market features both basic and fully-fledged payment protection formulaeCreditor insurance market size, growth and forecastThe total market is likely to be worth more than USD 500 million in 2012...… with decent growth in evidence since 2008... and with a rapidly-growing middle class expected to boost premiums further up to 2016 

8.0 PERU

Banks and other lending institutions coveredEconomic backgroundSince the start of the new millennium, Peru's economy has developed in a positive fashion...… with GDP growth averaging 6.5% between 2002 and 2011...... albeit economic success is not shared equally across the countryIn the Ease of Doing Business ranking, Peru's economy is ranked 43rd in the worldIntroduction to the banking sectorIn the consumer lending market, Banco de Crédito and BBVA Banco Continental are the leaders...... although Banco Falabella has issued the most credit cardsSavings banks constitute a prominent feature of the Peruvian market…... as do credit unions, albeit most of the 160 in existence are very smallStrong growth prospects in microfinance have triggered a number of acquisitionsIntroduction to bancassuranceThe official statistics value creditor insurance at close to 14% of the total life insurance marketPeru's insurance market is comparatively concentrated...... with several insurance companies belonging to the same financial groups as banks...… albeit all of these utilise a multi-channel distribution strategyCredit unions perform particularly well in the distribution of microinsurance productsConsumer lending market size and growthMortgage lendingResidential mortgage balances grew at a real compound annual rate of 15.5% between 2008 and 2012...Non-mortgage lending... putting them ahead of the equivalent figure for non-mortgage consumer lending balancesCredit and other pay later cardsCredit cards per capita edged up only slightly between 2008 and 2012Creditor insurance provision rates, operating models and partnershipsCreditor insurance linked to mortgagesAll mortgage lending institutions have an arrangement for selling related creditor insuranceBy weighted share of partnerships, Pacífico is the most prominent competitor...... although with nine deals, Rimac has established more distribution partnerships in this areaMAPFRE and La Positiva mainly work with credit unions and savings banksCreditor insurance linked to consumer financeLoan payment protection insurance is also offered by all eligible lenders in Peru...... with the leading two providers identical to those for mortgage-related creditor insuranceMAPFRE claims a total of 14 distribution partnerships in this sphereCardif benefits most from its partnership with Banco FalabellaCreditor insurance linked to credit cardsSchemes for credit card payment protection insurance are also widespread in Peru...... with familiar providers prominent in the analysis of weighted share of partnershipsCreditor insurance risk coverageSome policies include cover for temporary incapacity but unemployment insurance is rarely presentPerformance of key bancassurance underwritersCaptive underwriters accounted for two thirds of the creditor life insurance market in 2012…… with Pacífico holding a market share of almost 30% by itselfLa Positiva and MAPFRE are the most prominent non-captive underwriters for creditor insuranceCreditor insurance market size, growth and forecastGrowth in the creditor insurance market is likely to be fairly robust between 2012 and 2016...... as a consequence of a continuing increase in the consumer lending marketOfficial statistics exist to help quantify the market for creditor insurance in Peru...... although they do not capture its likely total value 

LIST OF GRAPHICS / TABLES

Mortgage-related creditor insurance policies are expected to outgrow loan and credit card payment protection policies

The value of cover for temporary incapacity and unemployment is likely to become more important within the regional market total

Summary table: gross written premiums for total creditor insurance in Latin America, 2008, 2012 and 2016 (forecast) (data)

When viewed as a weighted aggregate across all six countries, the leading eight competitors in creditor insurance are composed of five international insurance groups and three Brazilian banks

1.0 INTRODUCTION

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

2.0 LATIN AMERICAN OVERVIEW

Total consumer lending balances outstanding in Latin America, segmented by country, 2008 to 2012

Total consumer lending balances outstanding in Latin America, segmented by country, 2008 to 2012 (data)

Residential mortgage balances outstanding in Latin America, segmented by country, 2008 to 2012

Residential mortgage balances outstanding in Latin America, segmented by country, 2008 to 2012 (data)

Consumer non-mortgage balances outstanding in Latin America, segmented by country, 2008 to 2012

Consumer non-mortgage balances outstanding in Latin America, segmented by country, 2008 to 2012 (data)

Relationship between total consumer lending balances as a % of GDP and purchasing power parity in Latin America, segmented by country, 2012

Relationship between mortgage lending balances as a % of GDP and purchasing power parity in Latin America, segmented by country, 2012

Relationship between consumer non-mortgage lending balances as a % of GDP and purchasing power parity in Latin America, segmented by country, 2012

Consumer lending balances and purchasing power parity in Latin America, segmented by country, 2012

Total consumer lending balances outstanding per capita in Latin America, segmented by country, 2008 to 2012

Total consumer lending balances outstanding per capita in Latin America, segmented by country, 2008 to 2012 (data)

Residential mortgage lending balances outstanding per capita in Latin America, segmented by country, 2008 to 2012

Residential mortgage lending balances outstanding per capita in Latin America, segmented by country, 2008 to 2012 (data)

Consumer non-mortgage lending balances outstanding per capita in Latin America, segmented by country, 2008 to 2012

Consumer non-mortgage lending balances outstanding per capita in Latin America, segmented by country, 2008 to 2012 (data)

Consumer non-mortgage balances outstanding as % of total consumer lending balances outstanding in Latin America, segmented by country, 2008 to 2012

Consumer non-mortgage balances outstanding as % of total consumer lending balances outstanding in Latin America, segmented by country, 2008 to 2012 (data)

Total number of credit and other pay later cards issued in Latin America, segmented by country, 2008 to 2012

Total number of credit and other pay later cards issued in Latin America, segmented by country, 2008 to 2012 (data)

Total number of credit and other pay later cards issued in Latin America and their growth segmented by country, 2008 to 2012

Total number of credit and other pay later cards issued per capita in Latin America, segmented by country, 2008 to 2012

Total number of credit and other pay later cards issued per capita in Latin America, segmented by country, 2008 to 2012 (data)

Provision rates for creditor insurance linked to mortgages in Latin America, segmented by country, 2013

Operating models (unweighted) used for creditor insurance linked to mortgages in Latin America, segmented by country, 2013

Operating models (unweighted) used for creditor insurance linked to mortgages in Latin America, segmented by country, 2013 (data)

Operating models (weighted) used for creditor insurance linked to mortgages in Latin America, segmented by country, 2013

Operating models (weighted) used for creditor insurance linked to mortgages in Latin America, segmented by country, 2013 (data)

Provision rates for cover for temporary incapacity and unemployment within creditor insurance linked to mortgages in Latin America, segmented by country, 2012

Weighted group share of bancassurance partnerships for creditor insurance linked to mortgages, re-weighted by country market size, in Latin America, 2012

Provision rates for creditor insurance linked to consumer finance in Latin America, segmented by country, 2013

Operating models (unweighted) used for creditor insurance linked to consumer finance in Latin America, segmented by country, 2013

Operating models (unweighted) used for creditor insurance linked to consumer finance in Latin America, segmented by country, 2013 (data)

Operating models (weighted) used for creditor insurance linked to consumer finance in Latin America, segmented by country, 2013

Operating models (weighted) used for creditor insurance linked to consumer finance in Latin America, segmented by country, 2013 (data)

Provision rates for cover for temporary incapacity and unemployment within creditor insurance linked to consumer finance in Latin America, segmented by country, 2013

Weighted group share of bancassurance partnerships for creditor insurance linked to consumer finance, re-weighted by country market size, in Latin America, 2013

Provision rates for creditor insurance linked to credit cards in Latin America, segmented by country, 2013

Operating models (unweighted) used for creditor insurance linked to credit cards in Latin America, segmented by country, 2013

Operating models (unweighted) used for creditor insurance linked to credit cards in Latin America, segmented by country, 2013 (data)

Operating models (weighted) used for creditor insurance linked to credit cards in Latin America, segmented by country, 2013

Operating models (weighted) used for creditor insurance linked to credit cards in Latin America, segmented by country, 2013 (data)

Provision rates for cover for temporary incapacity and unemployment within creditor insurance linked to credit cards in Latin America, segmented by country, 2013

Weighted group share of bancassurance partnerships for creditor insurance linked to credit cards, re-weighted by country market size, in Latin America, 2013

3.0 ARGENTINA

Key economic indicators for Argentina, 2012

Residential mortgage lending balances outstanding in Argentina (absolute and per capita), 2008 to 2012

Consumer non-mortgage lending balances outstanding in Argentina (absolute and per capita), 2008 to 2012

Credit and other pay later cards issued and per capita in Argentina, 2008 to 2012

Key data points for the consumer lending market in Argentina, 2008 to 2012

Provision of creditor insurance linked to mortgages in Argentina, 2012: provision rate, operating models and weighted provider share of partner

To order this report:: Creditor Insurance in Latin America

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