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Indonesia Car Finance Market Outlook to 2024: Growing Prominence of Captive Finance Companies Backed by Surging Car Sales to Drive Market Growth

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The report titled "Indonesia Car Finance Market Outlook to 2024: Growing Prominence of Captive Finance Companies Backed by Surging Car Sales to Drive Market Growth" provides a comprehensive analysis of the Indonesia Car finance market including market evolution, market overview, market genesis, market size and market segmentation of various Players in the Market. Extensive focus has been placed in quantifying the credit disbursed and Car loans outstanding and a number of vehicles financed. The report covers aspects such as market segmentation (by loan tenure, new and used vehicles and type of Financial Institutions), customer perspective in the market and snapshot on Various Verticals of Multifinance Companies, Online Ad Listing sites and Analysis of Passenger Car Companies. Competitive landscape of major lenders including Bank of Central Asia (BCA Finance), Mandiri Bank (Mandiri Tunas Finance), Danamon Bank (Adira Dinamika Finance), CIMB Niaga , Bank Rakyat Indonesia, Bank Negara Indonesia, Megabank (WOM), ACC Finance, BFI Finance, Oto Multiartha, MPM Finance, Rabana Investindo, Toyota Astra Finance (Toyota and Daihatsu), Dipo Star Finance (Mitsubishi), Bussan Car Finance (Yamaha), Suzuki Car Finance (Suzuki). The report also covers future industry analysis (by credit disbursed and new and used Car Finance), future market segmentation, growth opportunities, up-coming business models, government regulations and analyst recommendations.

Indonesia Car Finance Market Overview and Size
The Car Finance Market in Indonesia witnessed steady growth during the period 2013-2018, owing to an increase in used Car vehicle sales over the same period. The market is dominated by multi finance companies that are backed by various Multinational banks catering majorly to the middle-class population. There are around 200 multi finance companies in Indonesia (OJK Bank Report). Consumer finance accounts for 90% of the total value of multi finance industry.  Trends in the market were largely stimulated by low-interest rates in the Economy. Some challenges faced during the period in the market were the rising loan default rates, unstable vehicle sales and a pullback on loan issues lead by banks, in the latter half of the research period.

Indonesia Car Finance Market Segmentation
By New and Used Cars: The car Finance Market in Indonesia is segmented into New and Used Car finance with New Cars finance holding a majority share of the total Credit Disbursed in the market in 2019P. The major drivers behind the growth include rising sales of used vehicles as well as the decreasing prices of retail models in the market, which makes it attractive to buy cars.
By Tenure of Loan (New Car and Used Cars): The loan tenure selected by the customer depends on factors such as the price of the car, income level of the customer, flexible scheme options and other social factors such as family size and lifestyle of the individual. The maximum tenure allotted for a car loan by both banks and private finance companies is five years for new, however, the situations can change depending on a particular customer. It has been observed that people opting for 4-year loan tenure has accounted for the Majority of the new cars financed in 2019P followed by 3 Years loan tenure. Used cars usually, the tenure for a loan does not exceed 3 years.
By Banks, NBFCs and Captives (New Car and used Cars): Commercial banks have accounted for a Major Share in the Overall Car Finance Market of Indonesia on the basis of new Cars Financed. The second position in the market was captured by NBFCs and Multifinance Companies, who operate in the market, the non-financial institutions' Captive finance companies have contributed the remaining part of the credit disbursed for new car financing in 2019P.

Trends and Issues
The recovery of the Indonesian economy, lower financing rates, and improved business environment has positively impacted the consumer confidence index in Indonesia. This has resulted in increasing car sales in 2019P out of which 75.0% are financed by banks and other non-financial institutions. In order to stimulate the economic growth of the country, Otoritas Jasa Keuangan (OJK) reduced the down payment requirements in effect increased the Loan to value ratio in 2015. OJK has also introduced the Zero Don Payment option for people with a good Credit Score. This reform is expected to increase the sale of passenger and commercial cars as more number of people can avail car finance.

Competitive Landscape of Indonesia Car Finance Market
Competition in the market is extremely fragmented. The Major lending institution types in the market are Banks, Captives, Multi Finance Companies, they hold a Fragmented share in the lending space for New Cars, and similarly, banks dominate the Used Car segment but that is again very fragmented.

Indonesia Car Finance Market Future Outlook and Projections
Over the forecast period, the Indonesia Car Finance market is expected to be positive if there is a continuous need for Car among the population. Multiple fin-tech startups have also come up in the country’s financial sector which poses a threat to conventional finance companies and banks. These startups have developed products to augment the digitalization of the banking sector. This includes digital payments, online lending, online aggregation, and remote banking facilities which made the customer lending process uncomplicated and simple further facilitating the car finance market in the country. Banks and Captives are expected to continue their leading position in the market due to their vast networks and range of products. In addition to that, the Indonesia market is likely to witness a decline in Car sales which threatens the growth of the number of loans issued in the future.
 
Key Segments Covered:
By New and Used Cars
  • New cars
  • Used cars
By Lender Institutions
  • Banks
  • Captives
  • Multi Finance Companies (NBFCs)
By Loan Tenure between New and Used Cars
  • Two Years
  • Three Years
  • Four Years
  • Five Years
  • One year
  • Five Years or more
Key Target Audience
  • Existing Car Finance Companies
  • Banks
  • Captive Finance Companies
  • Credit Unions
  • Private Finance Companies
  • New Market Entrants
  • Government Organizations
  • Investors
  • Carmobile Associations
  • Carmobile OEMs
Time Period Captured in the Report:
  • Historical Period: 2013-2019P
  • Forecast Period: 2019P-2024
Key Companies Covered:
  • Banks
    • Bank of Central Asia (BCA Finance)
    • Mandiri Bank (Mandiri Tunas Finance)
    • Danamon Bank (Adira Dinamika Finance)
    • CIMB Niaga
    • Bank Rakyat Indonesia
    • Bank Negara Indonesia
    • Megabank (WOM)
  • NBFCs
    • ACC Finance
    • BFI Finance
    • Oto Multiartha
    • MPM Finance
    • Batavia Prosperindo
    • Radana Bhaskara
    • Indomobil Multi Jasa
    • Mandala Multifinance
    • Tifa Finance
    • Adira Quantum Multifinance
    • Clemont Finance Indonesia
  • Captives
    • Toyota Astra Finance (Toyota and Daihatsu)
    • Dipo Star Finance (Mitsubishi)
    • Bussan Auto Finance (Yamaha)
    • Suzuki Auto Finance (Suzuki)
Key Topics Covered in the Report
  • Executive Summary
  • Research Methodology
  • Indonesia Car Finance Market Overview and Genesis
  • Value Chain Analysis of Indonesia Car Finance Market, 2019P
  • Indonesia Finance Market Value Chain Analysis
  • Indonesia Car Finance Market Size, 2013-2019P
  • Indonesia Car Finance Market Segmentation
  • Major Trends and Development in Indonesia Car Finance Market
  • Regulatory Framework in the Indonesia Car Finance Market
  • Product Feature on Indonesia Car Finance Market
  • Ways to Finance a Car in Indonesia (Bank Finance or Multi Financing Companies, Personal Finance, Lease Financing)
  • Vendor Selection Process for Car Finance Company in Indonesia
  • Competitive Landscape containing Company and Product Profiles in the Indonesia Finance Market
  • Indonesia Finance Market Future Outlook and Projections, 2019P-2024
  • Analyst Recommendations for the Indonesia Car Finance Market
READ MORE

Table Of Content

Scope

1. Executive Summary
Market Potential
Market Segmentation
Trends and Issues in Indonesia Car Finance Market
Competitive Landscape
Future Analysis and Projections
Analyst Recommendation

2. Research Methodology
2.1. Market Definitions
2.2. Abbreviations
2.3. Market Size and Modeling
Approach – Market Sizing
Market Sizing – Indonesia Car Finance Market
Variables (Dependent and Independent)
Multi Factor Based Sensitivity Model
Regression Matrix
Limitations
Final Conclusion

3. Indonesia Car Finance Market Overview and Genesis, 2013-2019P

4. Value Chain Analysis of Indonesia Car Finance Market, 2019P

4.1. Relationship Between Major Passenger Car Brands and Auto Financing Institutions, 2019P
4.2. Web Aggregators in Indonesia, 2019P
4.2.1. Online Car Classifieds market, 2019P
4.2.2. Car finance Aggregator Portals, 2019P
4.2.3. Company Profiles of Major Car Finance Aggregator Portals in Indonesia, 2019P
Cekaja
AturDuit
Cermati
4.3. Pain Points in Indonesia Car Finance Market

5. Indonesia Car Finance Market Size, 2013-2019P
5.1. By Credit Disbursed, 2013-2019P
By Number of New Cars and Used Car Financed, 2013-2019P
By New Car and Used Car Finance Penetration, 2013-2019P

6. Indonesia Car Finance Market Segmentation
6.1. By New Car and Used Car Finance, 2013-2019P
6.2. By Tenure of Loan (1 Year, 2 Years, 3 Years, 4 Years ,5 Years and More Than 5 Years), 2019P
6.2.1. For New Car, 2019P
6.2.2. For Used Car, 2019P
6.3. By Banks, Captives and NBFCs, 2019P
6.3.1. For New Car, 2019P
6.3.2. For Used Car, 2019P

7. Trends and Development in Indonesia Car Finance Market
Zero Down Payment Requirements and Lower Interest Rates
Growing Consumer Confidence Index
Increase in Car Sales
Lower Fuel Prices
Growth of Used Car Market
7.1. Recent Developments in Financing Company Activities, 2019P

8. Government Regulations in Indonesia Car Finance Market
Regulatory framework for Multi Finance Companies and Commercial Banks
Capital requirements: MultiFinance Companies
Foreign labour restriction
Membership requirement in other organisations
Credit Bureau
Mergers and Acquisitions
Regulation 14/POJK.03/2018
Regulation 20/8/PBI/2018
New Inclulsions in Regulations (In Comparison with OJK Regulation No. 35/POJK.05/2018 and OJK Regulation No. 29/POJK.05/2014)
8.1. General Requirement and Documentation for New Car Financing, 2019P
Identification documents
8.2. General Requirement and Documentation for Used Car Financing, 2019P

9. Product Features in Indonesia Car Finance (Tenure, Interest Rate and Conditions)
9.1. BCA Bank, 2019P
9.2. Bank Mandiri
9.3. Toyota Astra Finance
9.4. Dipo Star Finance
9.5. Astra Credit Companies

10. Ways to Finance a Car in Indonesia (Bank Finance or Multi Financing Companies, Personal Finance, Lease Financing)
10.1. Car Financing
Car Mortgaged to the Bank
Salary Transfer
10.2. Buying a Car through Personal Finance
Car not Mortgaged to the Bank
Salary Transfer
10.3. Lease Finance

11. Vendor Selection Process for Car Finance Company in Indonesia

12. Market Share for Major Car Companies and Popular Models in Indonesia, 2018

12.1. Financial Penetration of Major Passenger Car Brand in Indonesia Car Finance Market, 2019P

13. Competitive Scenario in Indonesia Car Finance Market, 2019P
13.1. Market Share of Banks, NBFCs and Captives in Indonesia Car Finance Market, 2018 and 2019P
13.1.1. Market Share of Major Banks in Indonesia Car Finance Market, 2018 and 2019P
Strength and Weakness of Major Banks in Indonesia Car Finance Market
13.1.2. Market Share of Major NBFCs in Indonesia Car Finance Market, 2018 and 2019P
Strength and Weakness of Major NBFCs in Indonesia Car Finance Market, 2019P
13.1.3. Captives Market Share in Indonesia Car Finance Market, 2018 and 2019P
Strength and Weakness of Major Captives in Indonesia Car Finance Market, 2019P
13.2. List of Major Banks, NBFCs and Captives in Indonesia Car Finance Market, 2019P
13.3. Cross Comparison Analysis of Major Banks, NBFCs and Captives, 2018
13.4. Heat Maps for Major Players in Indonesia Car Finance Market

14. Company Profiles for Major Banks in Indonesia, 2019P
14.1. Bank Central Asia (BCA Finance)
14.2. Bank Mandiri (Mandiri Tunas Finance)
14.3. Bank Danamon Indonesia (Adira Dinamika Finance)
14.4. Bank CIMB Niaga

15. Company Profiles for Major Non Banking Financial Institutions in Indonesia Car Finance Market
15.1. ACC (Astra Sedaya Finance)
15.2. OTO Multiartha
15.3. BFI Finance

16. Company Profiles for Major Captive Non Banking Financial Institutions (Captives and Non Captives)
16.1. Toyota Astra Financial Services
16.2. Dipo Star Finance
16.3. Other Major Captive Finance Companies

17. Snapshot on Multi Financing Companies (Affiliates of Commercial Banks, Captives and NBFCs)
17.1. Financing Activities Share by Type, 2019P

18. Indonesia Car Finance Market Future Outlook and Projections, 2019P-2024F
Future Trends and Opportunities
18.1. By New Car and Used Car Finance, 2019P-2024F
18.2. By Loan Disbursed by Financial and Non Financial Institutions, 2024F
New Car, 2024F
Used Car, 2024F

20. Macroeconomic Factors affecting Indonesia Car Finance Market
20.1. Number of New Car Sold in Indonesia, 2013-2024F
20.2. Number of Used Car Sold in Indonesia, 2013-2024
20.3. Number of Households in Indonesia, 2013-2024
20.4. Number of Bank Branches, 2013-2024
Disclaimer
Contact Us


List Of Figure

Table 2-1: Correlation Matrix of Indonesia Car Finance Market, 2019P
Table 2-2: Regression Coefficients Output for Indonesia Car Finance Market, 2019P
Table 4-1: Value Chain Analysis for Indonesia car Finance Market, 2019P
Table 4-2: Analysis of Major Companies and their Relationship with Passenger Car Dealerships and Nature of Business, 2019P
Table 4-3: Company Profile of Cekaja including Overview, Service Portfolio, KPI and Financial Partners, 2019P
Table 4-4: Company Profile of AturDuit including Overview, Service Portfolio, KPI and Financial Partners, 2019P
Table 4-5: Company Profile of Cermati including Overview, Service Portfolio, KPI and Financial Partners, 2019P
Table 4-6: Pain Points in Indonesia Car Finance Market, 2019P
Table 5-1: Year-on-Year Developments in Indonesia Car Finance on the Basis of Credit Disbursed, 2013-2019P
Table 6-1: Indonesia Car Finance Market Segmentation by New Car and Used Car Finance on the Basis of Credit Disbursed in USD Billion, 2013-2019P
Table 6-2: Indonesia Car Finance Market Segmentation by Tenure of Loan- New Car (1 Year, 2 Years, 3 Years, 4 Years, 5 years and More Than 5 Years) on the Basis of Number of New Cars Financed in Units, 2019P
Table 6-3: Indonesia Car Finance Market Segmentation by Tenure of Loan-Used Car (1 Year, 2 Years, 3 Years and More Than 3 Years) on the Basis of Number of Used Cars Financed in Units, 2019P
Table 6-4: Indonesia Car Finance Market Segmentation by Banks, Captive and Non Financial Institutions on the Basis of Credit Disbursed for New Cars in USD Billion, 2019P
Table 6-5: Indonesia Car Finance Market Segmentation by Banks, Captive and Non Financial Institutions on the Basis of Credit Disbursed for Used Cars in USD Billion, 2019P
Table 7-1: Minimum Down Payment Regulation for Indonesia Car Finance, 2019P
Table 7-2: Recent Developments in Automobile Financing Industry of Indonesia, 2019P
Table 8-1: Regulations/Restrictions for Operating Multi-Finance Company, 2019P
Table 8-2: New Inclusions and Differences between the POJK 29, 2014 and POJK 35, 2018
Table 8-3: Required Documentation for Customers Seeking Used Car Financing In Indonesia, 2019P
Table 8-4: Required Documentation for Companies Seeking Used Car Financing In Indonesia, 2019P
Table 9-1: Features of BCA Bank Car Lease Finance including General Requirements, Effective interest rate offered, Occupation and Length of Employment, Insurance, Early Settlement Fees, Salary Transfer and Documentation
Table 9-2: Features of Bank Mandiri Car Lease Finance including Eligible Age, Interest Rate, Minimum Employment Period, Down Payment, Maximum Loan Amount, Occupation and Length of Employment and Other Parameters, 2019P
Table 9-3: Features of Toyota Astra Finance including Eligible Age, Interest Rate, Minimum Employment Period, Down Payment, Maximum Loan Amount, Occupation and Length of Employment and Other Parameters, 2019P
Table 9-4: Features of Dipo Star Finance including Eligible Age, Interest Rate, Minimum Employment Period, Down Payment, Maximum Loan Amount, Occupation and Length of Employment and Other Parameters, 2019P
Table 9-5: Features of Astra Credit Companies including Eligible Age, Interest Rate, Minimum Employment Period, Down Payment, Maximum Loan Amount, Occupation and Length of Employment and Other Parameters, 2019P
Table 11-1: Decision Making Parameters while Availing Car Finance in Indonesia, 2019P
Table 12-1: Market Share of Major Companies in Indonesia Passenger Car Market on the Basis of Number of Passenger Cars Sold in Number of Units, 2018 and 2019P
Table 12-2: Financial Penetration of Major Passenger Car Brands in Indonesia Car Finance Market, 2019P
Table 13-1: Major Competition Parameters in Indonesia Car Finance Market, 2019P
Table 13-2: Market Share of Major Banks, NBFCs and Captives in Car Finance Market of Indonesia on the Basis of Credit Disbursed in USD Million, 2018 and 2019P
Table 13-3: Strengths and Weakness of Major Banks in the Car Finance Market of Indonesia, 2019P
Table 13-4: Strengths and Weakness of Major Banks in the Car Finance Market of Indonesia, 2019P
Table 13-5: Market Share of Major NBFCs in Indonesia Car Finance Market on the basis of Credit Disbursed in USD Million, 2018 and 2019P
Table 13-6: Strengths and Weakness of Captives in the Car Finance Market of Indonesia, 2019P
Table 13-7: Market Share of Captives in Indonesia Car Finance Market on the basis of Credit Disbursed in USD Million, 2018 and 2019P
Table 13-8: List of Major Banks, NBFCs and Captives along with their associated entities in Indonesia Car Finance Market, 2019P
Table 13-9: Cross Comparison Analysis of Major Financing Institutions (BCA, Mandiri, Adira Dinamika and Others) in Indonesia Car Ratio, 2018
Table 13-10: Heat Map Showing Financial Institutions and the various Car Brands for which they provide financing Services, 2019P
Table 14-1: Company Profile of Bank Central Asia including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 14-2: Company Profile of Bank Mandiri including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 14-3: Company Profile of Bank Danamon Indonesia including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 14-4: Used Cars and New Cars Volume and Value Disbursed by Adira Finance on the basis of Car Brands, 2016-2018
Table 14-5: Company Profile of Bank CIMB Niaga including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 15-1: Company Profile of Astra Credit Company including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 15-2: Company Profile of Oto Multiartha including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 15-3: Company Profile of BFI Finance including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 15-4: Analysis of used car To New Car Split in the Operations of BFI Finance in Terms of Value Generated, 2015-2019P
Table 15-5: Number of Used cars and New Cars Financed by BFI Finance in terms of Units, 2015-2018
Table 15-6: Analysis of Cars Financed by BFI Finance on the basis of Type of Vehicle, 2015-2018
Table 15-7: Analysis of Cars Financed by BFI Finance on the basis of Brand of Vehicle, 2015-2018
Table 16 1: Company Profile of Toyota Astra Financial Services including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 16-2: Company Profile of Dipo Star Finance including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters
Table 16-3: Overview for Major Captive Finance Institutions (Suzuki Finance Indonesia, Nissan Finance Indonesia and Bussan Finance Indonesia) of Indonesia, 2019P
Table 17-1: Indonesia Multi Financing Companies Loan Portfolio Segmentation by Type (Consumer Financing, Leasing and Factoring) on the Basis of Loan Disbursed, 2019P
Table 18-1: Indonesia Car Finance Market Future Outlook and Projection by New Car and Used Car Finance on the Basis of Credit Disbursed in USD Billion, 2019P-2024F
Table 18-2: Indonesia New Car Finance Market Segmentation by Banks, NBFCs and Captives on the Basis of Credit Disbursed for New Cars in USD Billion, 2024F
Table 18-3: Indonesia Used Car Finance Market Segmentation by Banks, NBFCs and Captives on the Basis of Credit Disbursed for Used Cars in USD Billion, 2024F
Table 18-4: Analyst Recommendation for Indonesia Car Finance Market, 2019P
Table 20-1: Number of New Car Sold in Indonesia, 2013-2024F
Table 20-2: Number of Used Cars Sold in Indonesia, 2013-2024
Table 20-3: Number of Households in Indonesia, 2013-2024
Table 20-4: Number of Bank Branches in Indonesia, 2013-2024


List Of Table

Figure 3-1: Flowchart for Indonesia Car Finance Market by Credit Disbursed, 2019P
Figure 4-1: Flowchart Depicting Loan Disbursement Process in Indonesia Car Finance Market, 2019P
Figure 5-1: Indonesia Car Finance Market Size on the Basis of Credit Disbursed in USD Billion, 2013-2019P
Figure 5-2: Indonesia Car Finance Market Size on the Basis of Number of New Cars Financed in Units, 2013-2019P
Figure 5-3: Indonesia Car Finance Market Size on the Basis of Number of Used Cars Financed in Units, 2013-2019P
Figure 5-4: Indonesia Car Finance Penetration for New Cars and Used Cars in Percentage (%), 2013-2019P
Figure 5-5: Average Ticket Size for New and Used Car Finance in Indonesia in IDR Million, 2013-2019P
Figure 6-1: Indonesia Car Finance Market Segmentation by New Car and Used Car Finance on the Basis of Credit Disbursed in Percentage (%), 2013-2019P
Figure 6-2: Indonesia Car Finance Market Segmentation by Tenure of Loan-New Car (1 Year, 2 Years, 3 Years, 4 Years, 5 years and More Than 5 Years) on the Basis of Number of New Cars Financed in Percentage (%), 2019P
Figure 6-3: Indonesia Car Finance Market Segmentation by Tenure of Loan-Used Car (1 Year, 2 Years, 3 Years and More Than 3 Years) on the Basis of Number of Used Cars Financed in Percentage (%), 2019P
Figure 6-4: Indonesia New Car Finance Market Segmentation by Banks, Captive and Non Financial Institutions on the Basis of Credit Disbursed for New Cars in Percentage (%), 2019P
Figure 6-5: Indonesia Used Car Finance Market Segmentation by Banks, Captive and Non Financial Institutions on the Basis of Credit Disbursed for Used Cars in Percentage (%), 2019P
Figure 7-1: Lending Interest Rate in Indonesia, 2013-2019P
Figure 7-2: Indonesia Consumer Confidence Index, 2013-2019P
Figure 7-3: Indonesia Inflation rate (Consumer Prices), 2013-2019P
Figure 7-4: Number of New Cars Sold in Indonesia in Units, 2013-2019P
Figure 7-5: Gasoline Prices in Indonesia in USD/Liter, 2013-2019P
Figure 7-6: Number of Used Cars Sold in Indonesia in Thousands, 2013-2019P
Figure 12-1: Market Share of Major Companies in Indonesian Passenger Car Market on the Basis of Number of Passenger Cars Sold Percentage (%), 2018
Figure 12-2: Market Share of Major Companies in Indonesian Passenger Car Market on the Basis of Number of Passenger Cars Sold Percentage (%), 2019P
Figure 13-1: Market Share of Major Banks, NBFCs and Captives in Indonesia Car Finance Market on the basis of Credit Disbursed in Percentage (%), 2019P
Figure 13-2: Market Share of Major Banks in Indonesia Car Finance Market on the basis of Credit Disbursed in Percentage, 2018 and 2019P
Figure 13-3: Market Share of Major Banks in Indonesia Car Finance Market on the basis of Credit Disbursed in USD Million, 2018 and 2019P
Figure 13-4: Market Share of Major NBFCs in Indonesia Car Finance Market on the basis of Credit Disbursed in Percentage (%), 2018-2019P
Figure 13-5: Market Share of Major Captives in Indonesia Car Finance Market on the basis of Credit Disbursed in Percentage, 2018 and 2019P
Figure 14-1: Number of Branches of BCA, 2013-2018
Figure 14-2: Credit Disbursed by BCA for Car Financing in IDR Trillion, 2014-2019P
Figure 14-3: Proportion of Used Cars Finance and New cars Finance in Business Operations of BCA Finance on the Basis of Credit Disbursed in Percentage (%), 2019P
Figure 14-4: Total Value Disbursed for Auto Loan by Bank Mandiri for Car Financing in IDR Trillion, 2017-2019P
Figure 14-5: Revenue Split By Region for Mandiri Tunas Finance, 2019P
Figure 14-6: Numbers of New Cars and Used Cars Financed by Mandiri Tunas Finance, 2017 & 2018
Figure 14-7: Consumer Financing Revenues Earned by Mandiri Tunas Finance in IDR Trillion, 2017 and 2018
Figure 14-8: Financial Leasing Revenues Earned by Mandiri Tunas Finance in IDR Billion, 2017 and 2018
Figure 14-9: Total Credit Disbursed by Mandiri Tunas Finance for new Car Finance in IDR Trillion, 2017-2019P
Figure 14-10: Total Credit Disbursed by Mandiri Tunas Finance for Used Car Finance in IDR Trillion, 2017-2019P
Figure 14-11: Credit Disbursed by Adira Finance for Car Financing (New and Used) in IDR Trillion, 2014-2019P
Figure 14-12: New And used Cars Financed by Adira Dinamika Finance in IDR Billion, 2016-2018
Figure 14-13: New And used Cars Financed by Adira Dinamika Finance in Units, 2016-2018
Figure 14-14: Credit Disbursed by CIMB Niaga for Car Financing in IDR Trillion, 2016-2019P
Figure 14-15: AUM for CIMB Niaga for Auto Financing in IDR Trillion, 2015-2018
Figure 14-16: AUM for New Cars by CIMB Niaga for Car Financing in IDR Trillion, 2015-2018
Figure 14-17: AUM for Used Cars by CIMB Niaga for Car Financing in IDR Trillion, 2016-2018
Figure 15-1: Credit Disbursed by Astra Sedaya Finance for Car Financing in IDR Trillion, 2016-2019P
Figure 15-2: Number of Cars Financed by Astra Sedaya Finance, 2016-2019P
Figure 15-3: New Financed Units on the basis of Region by Astra Sedaya Finance, 2019P
Figure 15-4: Credit Disbursed by OTO Multiartha for Car Financing in IDR Trillion, 2015-2019P
Figure 15-5: Proportion of Used Car to New Car in the Operations of Oto Multiartha on the Basis of Car Financed in Percentage (%), 2017-2019P
Figure 15-6: Geographical Distribution of Company Outlets of BFI Finance across Indonesia, 2019P
Figure 15-7: Credit Disbursed by BFI Finance for Car Financing in IDR Trillion, 2015-2019P
Figure 15-8: Proportion of passenger Cars and Commercial Car in the Operations of BFI Finance, 2017 and 2018
Figure 16-1: Credit Disbursed by Toyota Astra Finance for Used Car and New Car Financing in IDR Trillion, 2015-2019P
Figure 16-2: Total Number of Vehicles Financed by Toyota Astra Finance, 2016-2019P
Figure 16-3: Credit Disbursed by Dipo Star Finance for Car Financing in IDR Trillion, 2018 and 2019P
Figure 17-1: Indonesia Multi Financing Companies Loan Portfolio Segmentation by Type (Consumer Financing, Leasing and Factoring) on the Basis of Loan Disbursed in Percentage (%), 2019P
Figure 18-1: Indonesia Car Finance Market Future Projections on the Basis of Credit Disbursed in USD Billion, 2019P-2024F
Figure 18-2: Indonesia Car Finance Market Future Projections by New Car and Used Car Finance on the Basis of Credit Disbursed in Percentage (%), 2019P-2024
Figure 18-3: Indonesia New Car Finance Market Segmentation by Banks, NBFCs and Captives on the Basis of Credit Disbursed for New Cars in Percentage (%), 2024F
Figure 18-4: Indonesia Used Car Finance Market Segmentation by Banks, NBFCs and Captives on the Basis of Credit Disbursed for Used Cars in Percentage (%), 2024F
Figure 20-1: Number of New Cars Sold in Indonesia in Million, 2013-2024
Figure 20-2: Number of Used Cars Sold in Indonesia in Million, 2013-2024
Figure 20-3: Number of Households in Indonesia in Million, 2013-2024
Figure 20-4: Number of Bank Branches in Indonesia in Thousand, 2013-2024

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Products and Companies

Products

By New and Used Cars
  • New cars
  • Used cars
By Lender Institutions
  • Banks
  • Captives
  • Multi Finance Companies (NBFCs)
By Loan Tenure between New and Used Cars
  • Two Years
  • Three Years
  • Four Years
  • Five Years
  • One year
  • Five Years or more


Companies

  • Banks
    • Bank of Central Asia (BCA Finance)
    • Mandiri Bank (Mandiri Tunas Finance)
    • Danamon Bank (Adira Dinamika Finance)
    • CIMB Niaga
    • Bank Rakyat Indonesia
    • Bank Negara Indonesia
    • Megabank (WOM)
  • NBFCs
    • ACC Finance
    • BFI Finance
    • Oto Multiartha
    • MPM Finance
    • Batavia Prosperindo
    • Radana Bhaskara
    • Indomobil Multi Jasa
    • Mandala Multifinance
    • Tifa Finance
    • Adira Quantum Multifinance
    • Clemont Finance Indonesia
  • Captives
    • Toyota Astra Finance (Toyota and Daihatsu)
    • Dipo Star Finance (Mitsubishi)
    • Bussan Auto Finance (Yamaha)
    • Suzuki Auto Finance (Suzuki)

The report titled "Indonesia Car Finance Market Outlook to 2024: Growing Prominence of Captive Finance Companies Backed by Surging Car Sales to Drive Market Growth" provides a comprehensive analysis of the Indonesia Car finance market including market evolution, market overview, market genesis, market size and market segmentation of various Players in the Market. Extensive focus has been placed in quantifying the credit disbursed and Car loans outstanding and a number of vehicles financed. The report covers aspects such as market segmentation (by loan tenure, new and used vehicles and type of Financial Institutions), customer perspective in the market and snapshot on Various Verticals of Multifinance Companies, Online Ad Listing sites and Analysis of Passenger Car Companies. Competitive landscape of major lenders including Bank of Central Asia (BCA Finance), Mandiri Bank (Mandiri Tunas Finance), Danamon Bank (Adira Dinamika Finance), CIMB Niaga , Bank Rakyat Indonesia, Bank Negara Indonesia, Megabank (WOM), ACC Finance, BFI Finance, Oto Multiartha, MPM Finance, Rabana Investindo, Toyota Astra Finance (Toyota and Daihatsu), Dipo Star Finance (Mitsubishi), Bussan Car Finance (Yamaha), Suzuki Car Finance (Suzuki). The report also covers future industry analysis (by credit disbursed and new and used Car Finance), future market segmentation, growth opportunities, up-coming business models, government regulations and analyst recommendations.

Indonesia Car Finance Market Overview and Size
The Car Finance Market in Indonesia witnessed steady growth during the period 2013-2018, owing to an increase in used Car vehicle sales over the same period. The market is dominated by multi finance companies that are backed by various Multinational banks catering majorly to the middle-class population. There are around 200 multi finance companies in Indonesia (OJK Bank Report). Consumer finance accounts for 90% of the total value of multi finance industry.  Trends in the market were largely stimulated by low-interest rates in the Economy. Some challenges faced during the period in the market were the rising loan default rates, unstable vehicle sales and a pullback on loan issues lead by banks, in the latter half of the research period.

Indonesia Car Finance Market Segmentation
By New and Used Cars: The car Finance Market in Indonesia is segmented into New and Used Car finance with New Cars finance holding a majority share of the total Credit Disbursed in the market in 2019P. The major drivers behind the growth include rising sales of used vehicles as well as the decreasing prices of retail models in the market, which makes it attractive to buy cars.
By Tenure of Loan (New Car and Used Cars): The loan tenure selected by the customer depends on factors such as the price of the car, income level of the customer, flexible scheme options and other social factors such as family size and lifestyle of the individual. The maximum tenure allotted for a car loan by both banks and private finance companies is five years for new, however, the situations can change depending on a particular customer. It has been observed that people opting for 4-year loan tenure has accounted for the Majority of the new cars financed in 2019P followed by 3 Years loan tenure. Used cars usually, the tenure for a loan does not exceed 3 years.
By Banks, NBFCs and Captives (New Car and used Cars): Commercial banks have accounted for a Major Share in the Overall Car Finance Market of Indonesia on the basis of new Cars Financed. The second position in the market was captured by NBFCs and Multifinance Companies, who operate in the market, the non-financial institutions' Captive finance companies have contributed the remaining part of the credit disbursed for new car financing in 2019P.

Trends and Issues
The recovery of the Indonesian economy, lower financing rates, and improved business environment has positively impacted the consumer confidence index in Indonesia. This has resulted in increasing car sales in 2019P out of which 75.0% are financed by banks and other non-financial institutions. In order to stimulate the economic growth of the country, Otoritas Jasa Keuangan (OJK) reduced the down payment requirements in effect increased the Loan to value ratio in 2015. OJK has also introduced the Zero Don Payment option for people with a good Credit Score. This reform is expected to increase the sale of passenger and commercial cars as more number of people can avail car finance.

Competitive Landscape of Indonesia Car Finance Market
Competition in the market is extremely fragmented. The Major lending institution types in the market are Banks, Captives, Multi Finance Companies, they hold a Fragmented share in the lending space for New Cars, and similarly, banks dominate the Used Car segment but that is again very fragmented.

Indonesia Car Finance Market Future Outlook and Projections
Over the forecast period, the Indonesia Car Finance market is expected to be positive if there is a continuous need for Car among the population. Multiple fin-tech startups have also come up in the country’s financial sector which poses a threat to conventional finance companies and banks. These startups have developed products to augment the digitalization of the banking sector. This includes digital payments, online lending, online aggregation, and remote banking facilities which made the customer lending process uncomplicated and simple further facilitating the car finance market in the country. Banks and Captives are expected to continue their leading position in the market due to their vast networks and range of products. In addition to that, the Indonesia market is likely to witness a decline in Car sales which threatens the growth of the number of loans issued in the future.
 
Key Segments Covered:
By New and Used Cars
  • New cars
  • Used cars
By Lender Institutions
  • Banks
  • Captives
  • Multi Finance Companies (NBFCs)
By Loan Tenure between New and Used Cars
  • Two Years
  • Three Years
  • Four Years
  • Five Years
  • One year
  • Five Years or more
Key Target Audience
  • Existing Car Finance Companies
  • Banks
  • Captive Finance Companies
  • Credit Unions
  • Private Finance Companies
  • New Market Entrants
  • Government Organizations
  • Investors
  • Carmobile Associations
  • Carmobile OEMs
Time Period Captured in the Report:
  • Historical Period: 2013-2019P
  • Forecast Period: 2019P-2024
Key Companies Covered:
  • Banks
    • Bank of Central Asia (BCA Finance)
    • Mandiri Bank (Mandiri Tunas Finance)
    • Danamon Bank (Adira Dinamika Finance)
    • CIMB Niaga
    • Bank Rakyat Indonesia
    • Bank Negara Indonesia
    • Megabank (WOM)
  • NBFCs
    • ACC Finance
    • BFI Finance
    • Oto Multiartha
    • MPM Finance
    • Batavia Prosperindo
    • Radana Bhaskara
    • Indomobil Multi Jasa
    • Mandala Multifinance
    • Tifa Finance
    • Adira Quantum Multifinance
    • Clemont Finance Indonesia
  • Captives
    • Toyota Astra Finance (Toyota and Daihatsu)
    • Dipo Star Finance (Mitsubishi)
    • Bussan Auto Finance (Yamaha)
    • Suzuki Auto Finance (Suzuki)
Key Topics Covered in the Report
  • Executive Summary
  • Research Methodology
  • Indonesia Car Finance Market Overview and Genesis
  • Value Chain Analysis of Indonesia Car Finance Market, 2019P
  • Indonesia Finance Market Value Chain Analysis
  • Indonesia Car Finance Market Size, 2013-2019P
  • Indonesia Car Finance Market Segmentation
  • Major Trends and Development in Indonesia Car Finance Market
  • Regulatory Framework in the Indonesia Car Finance Market
  • Product Feature on Indonesia Car Finance Market
  • Ways to Finance a Car in Indonesia (Bank Finance or Multi Financing Companies, Personal Finance, Lease Financing)
  • Vendor Selection Process for Car Finance Company in Indonesia
  • Competitive Landscape containing Company and Product Profiles in the Indonesia Finance Market
  • Indonesia Finance Market Future Outlook and Projections, 2019P-2024
  • Analyst Recommendations for the Indonesia Car Finance Market
READ MORE

Scope

1. Executive Summary
Market Potential
Market Segmentation
Trends and Issues in Indonesia Car Finance Market
Competitive Landscape
Future Analysis and Projections
Analyst Recommendation

2. Research Methodology
2.1. Market Definitions
2.2. Abbreviations
2.3. Market Size and Modeling
Approach – Market Sizing
Market Sizing – Indonesia Car Finance Market
Variables (Dependent and Independent)
Multi Factor Based Sensitivity Model
Regression Matrix
Limitations
Final Conclusion

3. Indonesia Car Finance Market Overview and Genesis, 2013-2019P

4. Value Chain Analysis of Indonesia Car Finance Market, 2019P

4.1. Relationship Between Major Passenger Car Brands and Auto Financing Institutions, 2019P
4.2. Web Aggregators in Indonesia, 2019P
4.2.1. Online Car Classifieds market, 2019P
4.2.2. Car finance Aggregator Portals, 2019P
4.2.3. Company Profiles of Major Car Finance Aggregator Portals in Indonesia, 2019P
Cekaja
AturDuit
Cermati
4.3. Pain Points in Indonesia Car Finance Market

5. Indonesia Car Finance Market Size, 2013-2019P
5.1. By Credit Disbursed, 2013-2019P
By Number of New Cars and Used Car Financed, 2013-2019P
By New Car and Used Car Finance Penetration, 2013-2019P

6. Indonesia Car Finance Market Segmentation
6.1. By New Car and Used Car Finance, 2013-2019P
6.2. By Tenure of Loan (1 Year, 2 Years, 3 Years, 4 Years ,5 Years and More Than 5 Years), 2019P
6.2.1. For New Car, 2019P
6.2.2. For Used Car, 2019P
6.3. By Banks, Captives and NBFCs, 2019P
6.3.1. For New Car, 2019P
6.3.2. For Used Car, 2019P

7. Trends and Development in Indonesia Car Finance Market
Zero Down Payment Requirements and Lower Interest Rates
Growing Consumer Confidence Index
Increase in Car Sales
Lower Fuel Prices
Growth of Used Car Market
7.1. Recent Developments in Financing Company Activities, 2019P

8. Government Regulations in Indonesia Car Finance Market
Regulatory framework for Multi Finance Companies and Commercial Banks
Capital requirements: MultiFinance Companies
Foreign labour restriction
Membership requirement in other organisations
Credit Bureau
Mergers and Acquisitions
Regulation 14/POJK.03/2018
Regulation 20/8/PBI/2018
New Inclulsions in Regulations (In Comparison with OJK Regulation No. 35/POJK.05/2018 and OJK Regulation No. 29/POJK.05/2014)
8.1. General Requirement and Documentation for New Car Financing, 2019P
Identification documents
8.2. General Requirement and Documentation for Used Car Financing, 2019P

9. Product Features in Indonesia Car Finance (Tenure, Interest Rate and Conditions)
9.1. BCA Bank, 2019P
9.2. Bank Mandiri
9.3. Toyota Astra Finance
9.4. Dipo Star Finance
9.5. Astra Credit Companies

10. Ways to Finance a Car in Indonesia (Bank Finance or Multi Financing Companies, Personal Finance, Lease Financing)
10.1. Car Financing
Car Mortgaged to the Bank
Salary Transfer
10.2. Buying a Car through Personal Finance
Car not Mortgaged to the Bank
Salary Transfer
10.3. Lease Finance

11. Vendor Selection Process for Car Finance Company in Indonesia

12. Market Share for Major Car Companies and Popular Models in Indonesia, 2018

12.1. Financial Penetration of Major Passenger Car Brand in Indonesia Car Finance Market, 2019P

13. Competitive Scenario in Indonesia Car Finance Market, 2019P
13.1. Market Share of Banks, NBFCs and Captives in Indonesia Car Finance Market, 2018 and 2019P
13.1.1. Market Share of Major Banks in Indonesia Car Finance Market, 2018 and 2019P
Strength and Weakness of Major Banks in Indonesia Car Finance Market
13.1.2. Market Share of Major NBFCs in Indonesia Car Finance Market, 2018 and 2019P
Strength and Weakness of Major NBFCs in Indonesia Car Finance Market, 2019P
13.1.3. Captives Market Share in Indonesia Car Finance Market, 2018 and 2019P
Strength and Weakness of Major Captives in Indonesia Car Finance Market, 2019P
13.2. List of Major Banks, NBFCs and Captives in Indonesia Car Finance Market, 2019P
13.3. Cross Comparison Analysis of Major Banks, NBFCs and Captives, 2018
13.4. Heat Maps for Major Players in Indonesia Car Finance Market

14. Company Profiles for Major Banks in Indonesia, 2019P
14.1. Bank Central Asia (BCA Finance)
14.2. Bank Mandiri (Mandiri Tunas Finance)
14.3. Bank Danamon Indonesia (Adira Dinamika Finance)
14.4. Bank CIMB Niaga

15. Company Profiles for Major Non Banking Financial Institutions in Indonesia Car Finance Market
15.1. ACC (Astra Sedaya Finance)
15.2. OTO Multiartha
15.3. BFI Finance

16. Company Profiles for Major Captive Non Banking Financial Institutions (Captives and Non Captives)
16.1. Toyota Astra Financial Services
16.2. Dipo Star Finance
16.3. Other Major Captive Finance Companies

17. Snapshot on Multi Financing Companies (Affiliates of Commercial Banks, Captives and NBFCs)
17.1. Financing Activities Share by Type, 2019P

18. Indonesia Car Finance Market Future Outlook and Projections, 2019P-2024F
Future Trends and Opportunities
18.1. By New Car and Used Car Finance, 2019P-2024F
18.2. By Loan Disbursed by Financial and Non Financial Institutions, 2024F
New Car, 2024F
Used Car, 2024F

20. Macroeconomic Factors affecting Indonesia Car Finance Market
20.1. Number of New Car Sold in Indonesia, 2013-2024F
20.2. Number of Used Car Sold in Indonesia, 2013-2024
20.3. Number of Households in Indonesia, 2013-2024
20.4. Number of Bank Branches, 2013-2024
Disclaimer
Contact Us


List Of Figure

Table 2-1: Correlation Matrix of Indonesia Car Finance Market, 2019P
Table 2-2: Regression Coefficients Output for Indonesia Car Finance Market, 2019P
Table 4-1: Value Chain Analysis for Indonesia car Finance Market, 2019P
Table 4-2: Analysis of Major Companies and their Relationship with Passenger Car Dealerships and Nature of Business, 2019P
Table 4-3: Company Profile of Cekaja including Overview, Service Portfolio, KPI and Financial Partners, 2019P
Table 4-4: Company Profile of AturDuit including Overview, Service Portfolio, KPI and Financial Partners, 2019P
Table 4-5: Company Profile of Cermati including Overview, Service Portfolio, KPI and Financial Partners, 2019P
Table 4-6: Pain Points in Indonesia Car Finance Market, 2019P
Table 5-1: Year-on-Year Developments in Indonesia Car Finance on the Basis of Credit Disbursed, 2013-2019P
Table 6-1: Indonesia Car Finance Market Segmentation by New Car and Used Car Finance on the Basis of Credit Disbursed in USD Billion, 2013-2019P
Table 6-2: Indonesia Car Finance Market Segmentation by Tenure of Loan- New Car (1 Year, 2 Years, 3 Years, 4 Years, 5 years and More Than 5 Years) on the Basis of Number of New Cars Financed in Units, 2019P
Table 6-3: Indonesia Car Finance Market Segmentation by Tenure of Loan-Used Car (1 Year, 2 Years, 3 Years and More Than 3 Years) on the Basis of Number of Used Cars Financed in Units, 2019P
Table 6-4: Indonesia Car Finance Market Segmentation by Banks, Captive and Non Financial Institutions on the Basis of Credit Disbursed for New Cars in USD Billion, 2019P
Table 6-5: Indonesia Car Finance Market Segmentation by Banks, Captive and Non Financial Institutions on the Basis of Credit Disbursed for Used Cars in USD Billion, 2019P
Table 7-1: Minimum Down Payment Regulation for Indonesia Car Finance, 2019P
Table 7-2: Recent Developments in Automobile Financing Industry of Indonesia, 2019P
Table 8-1: Regulations/Restrictions for Operating Multi-Finance Company, 2019P
Table 8-2: New Inclusions and Differences between the POJK 29, 2014 and POJK 35, 2018
Table 8-3: Required Documentation for Customers Seeking Used Car Financing In Indonesia, 2019P
Table 8-4: Required Documentation for Companies Seeking Used Car Financing In Indonesia, 2019P
Table 9-1: Features of BCA Bank Car Lease Finance including General Requirements, Effective interest rate offered, Occupation and Length of Employment, Insurance, Early Settlement Fees, Salary Transfer and Documentation
Table 9-2: Features of Bank Mandiri Car Lease Finance including Eligible Age, Interest Rate, Minimum Employment Period, Down Payment, Maximum Loan Amount, Occupation and Length of Employment and Other Parameters, 2019P
Table 9-3: Features of Toyota Astra Finance including Eligible Age, Interest Rate, Minimum Employment Period, Down Payment, Maximum Loan Amount, Occupation and Length of Employment and Other Parameters, 2019P
Table 9-4: Features of Dipo Star Finance including Eligible Age, Interest Rate, Minimum Employment Period, Down Payment, Maximum Loan Amount, Occupation and Length of Employment and Other Parameters, 2019P
Table 9-5: Features of Astra Credit Companies including Eligible Age, Interest Rate, Minimum Employment Period, Down Payment, Maximum Loan Amount, Occupation and Length of Employment and Other Parameters, 2019P
Table 11-1: Decision Making Parameters while Availing Car Finance in Indonesia, 2019P
Table 12-1: Market Share of Major Companies in Indonesia Passenger Car Market on the Basis of Number of Passenger Cars Sold in Number of Units, 2018 and 2019P
Table 12-2: Financial Penetration of Major Passenger Car Brands in Indonesia Car Finance Market, 2019P
Table 13-1: Major Competition Parameters in Indonesia Car Finance Market, 2019P
Table 13-2: Market Share of Major Banks, NBFCs and Captives in Car Finance Market of Indonesia on the Basis of Credit Disbursed in USD Million, 2018 and 2019P
Table 13-3: Strengths and Weakness of Major Banks in the Car Finance Market of Indonesia, 2019P
Table 13-4: Strengths and Weakness of Major Banks in the Car Finance Market of Indonesia, 2019P
Table 13-5: Market Share of Major NBFCs in Indonesia Car Finance Market on the basis of Credit Disbursed in USD Million, 2018 and 2019P
Table 13-6: Strengths and Weakness of Captives in the Car Finance Market of Indonesia, 2019P
Table 13-7: Market Share of Captives in Indonesia Car Finance Market on the basis of Credit Disbursed in USD Million, 2018 and 2019P
Table 13-8: List of Major Banks, NBFCs and Captives along with their associated entities in Indonesia Car Finance Market, 2019P
Table 13-9: Cross Comparison Analysis of Major Financing Institutions (BCA, Mandiri, Adira Dinamika and Others) in Indonesia Car Ratio, 2018
Table 13-10: Heat Map Showing Financial Institutions and the various Car Brands for which they provide financing Services, 2019P
Table 14-1: Company Profile of Bank Central Asia including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 14-2: Company Profile of Bank Mandiri including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 14-3: Company Profile of Bank Danamon Indonesia including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 14-4: Used Cars and New Cars Volume and Value Disbursed by Adira Finance on the basis of Car Brands, 2016-2018
Table 14-5: Company Profile of Bank CIMB Niaga including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 15-1: Company Profile of Astra Credit Company including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 15-2: Company Profile of Oto Multiartha including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 15-3: Company Profile of BFI Finance including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 15-4: Analysis of used car To New Car Split in the Operations of BFI Finance in Terms of Value Generated, 2015-2019P
Table 15-5: Number of Used cars and New Cars Financed by BFI Finance in terms of Units, 2015-2018
Table 15-6: Analysis of Cars Financed by BFI Finance on the basis of Type of Vehicle, 2015-2018
Table 15-7: Analysis of Cars Financed by BFI Finance on the basis of Brand of Vehicle, 2015-2018
Table 16 1: Company Profile of Toyota Astra Financial Services including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters, 2019P
Table 16-2: Company Profile of Dipo Star Finance including Company Overview, Products and Services, Number of Employees, Number of Branches and Other Parameters
Table 16-3: Overview for Major Captive Finance Institutions (Suzuki Finance Indonesia, Nissan Finance Indonesia and Bussan Finance Indonesia) of Indonesia, 2019P
Table 17-1: Indonesia Multi Financing Companies Loan Portfolio Segmentation by Type (Consumer Financing, Leasing and Factoring) on the Basis of Loan Disbursed, 2019P
Table 18-1: Indonesia Car Finance Market Future Outlook and Projection by New Car and Used Car Finance on the Basis of Credit Disbursed in USD Billion, 2019P-2024F
Table 18-2: Indonesia New Car Finance Market Segmentation by Banks, NBFCs and Captives on the Basis of Credit Disbursed for New Cars in USD Billion, 2024F
Table 18-3: Indonesia Used Car Finance Market Segmentation by Banks, NBFCs and Captives on the Basis of Credit Disbursed for Used Cars in USD Billion, 2024F
Table 18-4: Analyst Recommendation for Indonesia Car Finance Market, 2019P
Table 20-1: Number of New Car Sold in Indonesia, 2013-2024F
Table 20-2: Number of Used Cars Sold in Indonesia, 2013-2024
Table 20-3: Number of Households in Indonesia, 2013-2024
Table 20-4: Number of Bank Branches in Indonesia, 2013-2024


List Of Table

Figure 3-1: Flowchart for Indonesia Car Finance Market by Credit Disbursed, 2019P
Figure 4-1: Flowchart Depicting Loan Disbursement Process in Indonesia Car Finance Market, 2019P
Figure 5-1: Indonesia Car Finance Market Size on the Basis of Credit Disbursed in USD Billion, 2013-2019P
Figure 5-2: Indonesia Car Finance Market Size on the Basis of Number of New Cars Financed in Units, 2013-2019P
Figure 5-3: Indonesia Car Finance Market Size on the Basis of Number of Used Cars Financed in Units, 2013-2019P
Figure 5-4: Indonesia Car Finance Penetration for New Cars and Used Cars in Percentage (%), 2013-2019P
Figure 5-5: Average Ticket Size for New and Used Car Finance in Indonesia in IDR Million, 2013-2019P
Figure 6-1: Indonesia Car Finance Market Segmentation by New Car and Used Car Finance on the Basis of Credit Disbursed in Percentage (%), 2013-2019P
Figure 6-2: Indonesia Car Finance Market Segmentation by Tenure of Loan-New Car (1 Year, 2 Years, 3 Years, 4 Years, 5 years and More Than 5 Years) on the Basis of Number of New Cars Financed in Percentage (%), 2019P
Figure 6-3: Indonesia Car Finance Market Segmentation by Tenure of Loan-Used Car (1 Year, 2 Years, 3 Years and More Than 3 Years) on the Basis of Number of Used Cars Financed in Percentage (%), 2019P
Figure 6-4: Indonesia New Car Finance Market Segmentation by Banks, Captive and Non Financial Institutions on the Basis of Credit Disbursed for New Cars in Percentage (%), 2019P
Figure 6-5: Indonesia Used Car Finance Market Segmentation by Banks, Captive and Non Financial Institutions on the Basis of Credit Disbursed for Used Cars in Percentage (%), 2019P
Figure 7-1: Lending Interest Rate in Indonesia, 2013-2019P
Figure 7-2: Indonesia Consumer Confidence Index, 2013-2019P
Figure 7-3: Indonesia Inflation rate (Consumer Prices), 2013-2019P
Figure 7-4: Number of New Cars Sold in Indonesia in Units, 2013-2019P
Figure 7-5: Gasoline Prices in Indonesia in USD/Liter, 2013-2019P
Figure 7-6: Number of Used Cars Sold in Indonesia in Thousands, 2013-2019P
Figure 12-1: Market Share of Major Companies in Indonesian Passenger Car Market on the Basis of Number of Passenger Cars Sold Percentage (%), 2018
Figure 12-2: Market Share of Major Companies in Indonesian Passenger Car Market on the Basis of Number of Passenger Cars Sold Percentage (%), 2019P
Figure 13-1: Market Share of Major Banks, NBFCs and Captives in Indonesia Car Finance Market on the basis of Credit Disbursed in Percentage (%), 2019P
Figure 13-2: Market Share of Major Banks in Indonesia Car Finance Market on the basis of Credit Disbursed in Percentage, 2018 and 2019P
Figure 13-3: Market Share of Major Banks in Indonesia Car Finance Market on the basis of Credit Disbursed in USD Million, 2018 and 2019P
Figure 13-4: Market Share of Major NBFCs in Indonesia Car Finance Market on the basis of Credit Disbursed in Percentage (%), 2018-2019P
Figure 13-5: Market Share of Major Captives in Indonesia Car Finance Market on the basis of Credit Disbursed in Percentage, 2018 and 2019P
Figure 14-1: Number of Branches of BCA, 2013-2018
Figure 14-2: Credit Disbursed by BCA for Car Financing in IDR Trillion, 2014-2019P
Figure 14-3: Proportion of Used Cars Finance and New cars Finance in Business Operations of BCA Finance on the Basis of Credit Disbursed in Percentage (%), 2019P
Figure 14-4: Total Value Disbursed for Auto Loan by Bank Mandiri for Car Financing in IDR Trillion, 2017-2019P
Figure 14-5: Revenue Split By Region for Mandiri Tunas Finance, 2019P
Figure 14-6: Numbers of New Cars and Used Cars Financed by Mandiri Tunas Finance, 2017 & 2018
Figure 14-7: Consumer Financing Revenues Earned by Mandiri Tunas Finance in IDR Trillion, 2017 and 2018
Figure 14-8: Financial Leasing Revenues Earned by Mandiri Tunas Finance in IDR Billion, 2017 and 2018
Figure 14-9: Total Credit Disbursed by Mandiri Tunas Finance for new Car Finance in IDR Trillion, 2017-2019P
Figure 14-10: Total Credit Disbursed by Mandiri Tunas Finance for Used Car Finance in IDR Trillion, 2017-2019P
Figure 14-11: Credit Disbursed by Adira Finance for Car Financing (New and Used) in IDR Trillion, 2014-2019P
Figure 14-12: New And used Cars Financed by Adira Dinamika Finance in IDR Billion, 2016-2018
Figure 14-13: New And used Cars Financed by Adira Dinamika Finance in Units, 2016-2018
Figure 14-14: Credit Disbursed by CIMB Niaga for Car Financing in IDR Trillion, 2016-2019P
Figure 14-15: AUM for CIMB Niaga for Auto Financing in IDR Trillion, 2015-2018
Figure 14-16: AUM for New Cars by CIMB Niaga for Car Financing in IDR Trillion, 2015-2018
Figure 14-17: AUM for Used Cars by CIMB Niaga for Car Financing in IDR Trillion, 2016-2018
Figure 15-1: Credit Disbursed by Astra Sedaya Finance for Car Financing in IDR Trillion, 2016-2019P
Figure 15-2: Number of Cars Financed by Astra Sedaya Finance, 2016-2019P
Figure 15-3: New Financed Units on the basis of Region by Astra Sedaya Finance, 2019P
Figure 15-4: Credit Disbursed by OTO Multiartha for Car Financing in IDR Trillion, 2015-2019P
Figure 15-5: Proportion of Used Car to New Car in the Operations of Oto Multiartha on the Basis of Car Financed in Percentage (%), 2017-2019P
Figure 15-6: Geographical Distribution of Company Outlets of BFI Finance across Indonesia, 2019P
Figure 15-7: Credit Disbursed by BFI Finance for Car Financing in IDR Trillion, 2015-2019P
Figure 15-8: Proportion of passenger Cars and Commercial Car in the Operations of BFI Finance, 2017 and 2018
Figure 16-1: Credit Disbursed by Toyota Astra Finance for Used Car and New Car Financing in IDR Trillion, 2015-2019P
Figure 16-2: Total Number of Vehicles Financed by Toyota Astra Finance, 2016-2019P
Figure 16-3: Credit Disbursed by Dipo Star Finance for Car Financing in IDR Trillion, 2018 and 2019P
Figure 17-1: Indonesia Multi Financing Companies Loan Portfolio Segmentation by Type (Consumer Financing, Leasing and Factoring) on the Basis of Loan Disbursed in Percentage (%), 2019P
Figure 18-1: Indonesia Car Finance Market Future Projections on the Basis of Credit Disbursed in USD Billion, 2019P-2024F
Figure 18-2: Indonesia Car Finance Market Future Projections by New Car and Used Car Finance on the Basis of Credit Disbursed in Percentage (%), 2019P-2024
Figure 18-3: Indonesia New Car Finance Market Segmentation by Banks, NBFCs and Captives on the Basis of Credit Disbursed for New Cars in Percentage (%), 2024F
Figure 18-4: Indonesia Used Car Finance Market Segmentation by Banks, NBFCs and Captives on the Basis of Credit Disbursed for Used Cars in Percentage (%), 2024F
Figure 20-1: Number of New Cars Sold in Indonesia in Million, 2013-2024
Figure 20-2: Number of Used Cars Sold in Indonesia in Million, 2013-2024
Figure 20-3: Number of Households in Indonesia in Million, 2013-2024
Figure 20-4: Number of Bank Branches in Indonesia in Thousand, 2013-2024

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Products

By New and Used Cars
  • New cars
  • Used cars
By Lender Institutions
  • Banks
  • Captives
  • Multi Finance Companies (NBFCs)
By Loan Tenure between New and Used Cars
  • Two Years
  • Three Years
  • Four Years
  • Five Years
  • One year
  • Five Years or more


Companies

  • Banks
    • Bank of Central Asia (BCA Finance)
    • Mandiri Bank (Mandiri Tunas Finance)
    • Danamon Bank (Adira Dinamika Finance)
    • CIMB Niaga
    • Bank Rakyat Indonesia
    • Bank Negara Indonesia
    • Megabank (WOM)
  • NBFCs
    • ACC Finance
    • BFI Finance
    • Oto Multiartha
    • MPM Finance
    • Batavia Prosperindo
    • Radana Bhaskara
    • Indomobil Multi Jasa
    • Mandala Multifinance
    • Tifa Finance
    • Adira Quantum Multifinance
    • Clemont Finance Indonesia
  • Captives
    • Toyota Astra Finance (Toyota and Daihatsu)
    • Dipo Star Finance (Mitsubishi)
    • Bussan Auto Finance (Yamaha)
    • Suzuki Auto Finance (Suzuki)