Global

Details

  • Industry: Automotive
  • Type: Survey report
  • Date: 9/24/2012

Automotive finance and leasing around the world 

Around the world

The growth of the finance and leasing business is distinctive all over the world. An analysis of the global market and expert interviews carried out by KPMG’s Global Automotive Practice in five major auto markets (US, Western Europe, China, India and Russia) has revealed significant differences between mature markets, like the US and Europe, and emerging markets, such as China, India and Russia.

Analysis of auto finance and leasing market in five major global automotive markets

Key market factors:

MARKET STRUCTURE

Market potential

  • Future development of car sales and production
  • Future development of macroeconomic indices

Market power of captives

  • Identification of major players in the market
  • Market share of captives

BUSINESS ENVIRONMENT

Business license

  • Requirements and approval process

Government

  • Legal framework
  • Regulatory framework

Risk potential

  • Focus on credit and residual value risk

Refinancing

  • Access to financial markets

BUSINESS CHARACTERISTICS

Product Portfolio

  • Analysis of product range provided by captives

Customer acceptance

  • Penetration rate of auto finance and leasing
  • Penetration rate in private and corporate sector

BUSINESS PROSPECTS

Overall outlook

  • Analysis of business potential

“Green Mobility”

  • Business potential for F&L in the area of hybrid and electric vehicles

New mobility solutions

  • Business potential for F&L of new mobility solutions

Banking services

  • Business potential of customer and commercial banking activities

Global automotive finance and leasing landscape overview

Mature markets Emerging markets
US Europe China India Russia
MARKET
STRUCTURE
High Market potential Low
High Market power of captives Low
BUSINESS
ENVIRONMENT
Easy Obtaining business license Tough
Well
defined
Government regulation
(legal framework)
Vaguely
defined
Low Risk potential High
Various
opport-
unities
Refinancing Few
opport-
unities
BUSINESS
CHARACTERSTICS
Wide Product portfolio
scope
Selective
Well
accepted
Customer acceptance Hesitant
Developed Captive business
model
Under-
developed
BUSINESS
PROSPECTS
Growing Traditional F&L
services
Stable
Growing Additional vehicle
services
Stable
Growing Additional/full banking
services
Stable
Growing New mobility services Stable

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automotive finance and leasing

About the study

Global automotive finance and leasing: The role of product diversification and emerging markets in future growth is based on desk research and in-depth interviews with senior executives representing key leasing and financing participants including banks, captives and independent auto leasing and financing organizations from China, France, Germany, India, Japan, Russia and the UK.

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