Global Credit Bureau Status Report

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1 Global Credit Bureau Status Report Peer Stein Head, Financial Infrastructure & Institution Building International Finance Corporation October 8-10, 2006

2 Private Credit Bureaus Continue to Grow Pre OECD Latin America Asia Africa Middle East and North Africa Eastern Europe and Central Asia Source: Doing Business 2006

3 Since 2003 Several New Private Credit Bureaus have been Established Asia India Eastern Europe & Central Asia Armenia, Bulgaria, Croatia, Georgia, Kazakhstan, Ukraine, Slovakia, Russia Latin America Nicaragua, Honduras Middle East & North Africa Saudi Arabia, Egypt (will be operational in 2007)

4 International Trends in Credit Bureau Development High growth of retail credit in emerging markets (62% increase during ) Move towards more responsible lending following various consumer loan crises Increased awareness of credit reporting (e.g. in Eastern Europe the number of private credit bureaus rose from five to twelve in 2006) Falling start-up costs for credit bureaus with decreasing costs of database management software Growing competition

5 According to Doing Business in 2006, the LAC Region is a Leader in Credit Information-Sharing amongst Emerging Markets OECD 59.0 Latin America & Caribbean 31.2 East Asia & Pacific 9.6 Average private bureau coverage (% adults) Europe & Central Asia Sub-Saharan Africa Middle East & North Africa South Asia High Income OECD 4.5 Latin America & Caribbean Europe & Middle East & Central Asia North Africa East Asia & Pacific South Asia 1.5 Sub-Saharan Africa Credit Information Index Both firms and individuals are listed Both positive and negative information Retailers and/or utilities submit data 5 or more years of historical data All loans included above 1% GNI per capita Consumer right to inspect is guaranteed by law Source: Doing Business 2006

6 Ownership of Private Credit Bureaus Private not owned by banks / FIs / other credit providers Partially government owned Industry Association / Chamber of Commerce 59% 4% 9% 28% Private owned by banks / FIs / other credit providers Source: Doing Business 2005

7 Contributors of Data to Private Credit Bureaus Other Credit Bureaus Private Commercial Banks Public Commercial Banks Development Banks Credit Union / Coops Finance Corporations Credit Card Issuers Firms Providing Loans Retail / Merchants Utilities Providers # of PCBs Microfinance Institutions Sources of Information Source: Doing Business 2006

8 Laws and Regulations Relevant to Credit Bureaus Borrower can access list of parties who requested Borrower consent before data released from CB Borrower consent before data submitted to CB Special law for credit bureaus Data Protection law FIs required by law to provide data to bureau FIs required to consult bureau before lending Banking law Central bank regulation Code of Conduct Penalties for distributing erroneous data Borrowers are guaranteed by law to be able to inspect data 0% 10% 20% 30% 40% 50% 60% 70% 80% Source: Doing Business 2006 % of Countries with Relevant Laws

9 When are Records Erased from the Bureau by a Private Credit Bureau? Defaults/Cancelled Debts are Erased from the Records 60% Repaid Not repaid 50% 40% 30% 20% 10% 0% Immediately Within 1 year Within 5 years Within 10 years Over 10 years Never Source: Doing Business 2006

10 User Access to Bureau Data Other private firms / agencies Banking supervisors 38% 15% 36% 24% Supervised FIs Other nonsupervised FIs Source: Doing Business 2005

11 Ensuring Data Access Methods to Determine Accuracy of Data Routine checks with other data provided by FIs Borrower complaints Statistical checks Software program to identify abnormalities in data Other Source: Doing Business 2005

12 Main Areas of Development for Private Credit Bureaus Value-added services 32% Expand types of information distributed 17% Improve legal environment 17% Technology upgrades 10% Technology upgrades 10% Quality control 5% Include more data sources 5% Marketing & customer service 5% 0% 5% 10% 15% 20% 25% 30% 35% Source: Doing Business 2006

13 Challenges in Developing a Private Credit Bureau for Emerging Markets Data quality and role of credit bureaus Support responsible lending practices Enact appropriate laws and regulations to support growth of PCBs Ensure consumer rights and data protection: Educate consumers and protect their rights Provide for proper supervision and codes of conduct Change perceptions and build awareness Build trust Persuade lenders to share positive information Ensure commercial viability in smaller countries

14 Annex

15 Global Credit Bureau Program Number of credit bureaus created and/or significantly improved: 7. In Bosnia and Herzegovina, Romania, Bulgaria, Costa Rica, Nicaragua, Guatemala, Honduras. Recommendations being implemented in Egypt and Saudi Arabia. Number of new laws/regulations drafted or contributed to the drafting: 12. Credit bureau development strategy reports, feasibility studies and in-depth market assessment reports: 14. Support organization of roundtables, seminars, conferences and other outreach events: 26 events in 21 countries. Monitoring of credit reporting environment in over 120 countries through Doing Business Report.

16 Asia

17 Program Status in Asia India Philippines Timor Leste Assessment of a credit bureau for rural/micro/sme borrowers Development of a private bureau, legal and regulatory framework, outreach/awareness Workshop undertaken to assess potential for development of credit reporting Vietnam TA underway to establish private credit bureau including work on legislation and technical scoping study

18 Latin America & the Caribbean

19 Program Status in Latin America & the Caribbean Brazil Bolivia Costa Rica El Salvador Haiti Honduras Mexico Nicaragua Panama Overall LAC Legal framework, outreach; upgrade to positive sharing and new CB regulation Legal framework, market assessment, training; upgrade to full sharing, new CB regulation, risk training/ seminar Legal framework; upgrade to positive sharing and new CB Institutional sharing enhancement; upgrade to positive sharing, new CB Market assessment Legal framework, outreach; upgrade to positive sharing and new CB Market assessment, CB development for small lenders / MFIs Legal framework, CB development; CB opened in 2005 and new CB regulation enforced Legal framework, outreach, value-added services; amendment to CB law, development of bureau scores, and SME CB project definition Financial literacy program, WHCRI; supported program launch in LAC

20 Sub-Saharan Africa

21 Program Status in Sub-Saharan Africa Ghana Kenya Nigeria South Africa Tanzania Assistance with legal and regulatory framework Assistance with enabling regulation Assistance with the development of a private sector bureau Assistance with development of microfinance bureau scores. Develop credit reporting services covering previously disenfranchised market segments Assistance with the development of a private sector bureau

22 Eastern Europe & Central Asia

23 Program Status in Eastern Europe & Central Asia Bulgaria Georgia Kyrgyz Republic Macedonia Romania Russia Ukraine Market assessment, outreach; PCB established in 2004 Outreach, advice on regulatory framework; negative-only bureau in 2005; regulatory issues to be addressed Advice on regulatory framework Market assessment, advice on regulatory framework Market assessment, outreach, advice on regulatory framework, diagnostic/feasibility study; bank-owned bureau established in 2004 Market assessment, outreach, advice on regulatory framework; PCBs established in 2005 Market assessment; outreach, advice on regulatory framework; PCBs established in 2006

24 Middle East & North Africa

25 Program Status in Middle East & North Africa Algeria Egypt Morocco Pakistan Saudi Arabia Tunisia UAE Diagnostic Assistance to set up a private credit bureau and select a technical partner Diagnostic, assisting central bank in developing private credit reporting infrastructure TA for development of value-added services TA for development of SME bureau Diagnostic Diagnostic

26 Links & Contact Information Research Links - IFC s Global Credit Bureau Program - Focus on small business by WB/IFC - Comprehensive research by WB - Focus on business environment Contact information Peer Stein, Head, Nataliya Mylenko, Program Manager, Regional Credit Bureau and Risk Management Advisors Oscar Maddedu, Stefano Stoppani, Tony Lythgoe, Credit Bureau Advisors Peter Sheerin, Colin Raymond,

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