A Credit Bureau Data Comparison - SA versus Africa The trip through the jungle is easy IF you have the data - question: do we have it?

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1 A Credit Bureau Data Comparison - SA versus Africa The trip through the jungle is easy IF you have the data - question: do we have it? presented by Frank Lenisa Director, Compuscan

2 Agenda Regula+on 144 and it impact General issues facing credit bureaus in sub- Saharan Africa Tour of credit bureaus in sub- Saharan Africa

3 South Africa Private credit bureaus world class, highly rated Bureau coverage (% of adults) = 55% Bureau distributes micro lending, bank, telco, insurance and retailing credit informa+on Both posi+ve and nega+ve informa+on More than 2 years of historical credit held Data on all loans below 1% of income per capita distributed

4 Regula+on 144 Regula+on 144 published 26 February Removal of adverse credit informa+on and paid up judgments Analysis indicates that approximately 5.7 million adverse statuses impac+ng 3.4 million consumers will be affected It should be noted that this removal of adverse consumer credit informa+on is the second such dele+on, following from the one in 2007 AXer the one in 2007, 64% of customers who benefiyed from the amnesty subsequently opened an account and 74% of these showed impaired performance This illustrates that you need to be astute with gran+ng news loans axer 1st April, as you won t be able to dis+nguish the good borrower from the bad from looking at the deleted adverse statuses

5 Implementa+on Issues Time lines: All data must be masked by 1 st April Con+nuous Judgment removal within 7 days. Open to fraud Defini+ons Ambiguous: Could mean Payment profile data dele+on Could mean Debt collec+on data Paid up Judgments removal. Capital amount plus interest and fee? Above needs to be clearly defined over wise is could come back and bit us hard down the line; when the objec+ves are not being met.

6 Impact According To The Minister The Minister has made it clear that objec+ves of these regula+ons are to: 1. Increase access to credit by removing barriers to, amongst other things, employment opportuni+es, rental accommoda+on, and credit to those consumers that can afford it 2. Spurring consumer spending 3. Reducing cost of credit

7 DraX Impact Study by Economist 1. Es+mated Impact on credit provision: There should be poten+al 5 points adjustment (conserva+ve) to limit bad debt increases: 1.11% less people will get loans OR less loans to value of R4.8 million And 0.15 % less contribu+on to GDP 2. Es+mated impact on the South African economy: Given the mul+plier effect in the economy that the total GDP can decrease with R7.34 billion or % The employment figures also shows a decrease of almost employment opportuni+es, or 0.21% of the total 2012 employment opportuni+es as shown in the QLFS from StatsSA

8 Longer Term Impact Not Understood Risk that is not understood can present as much or more danger to a business than one which has not been foreseen

9 Credit Bureaus in Sub- Saharan Africa

10 Least Developed Credit Bureaus In The World Penetration rate of private bureaus (% of adults) Page 10

11 Low Number of Credit Accounts

12 Regulatory Framework Bank secrecy provisions limit par+cipa+on of credit bureaus Credit market is not compe++ve; banks have no incen+ve to share informa+on Reforms needed to mandate informa+on sharing Bureau supervision agencies constrains the use of alternate credit data

13 Economic Viability of Credit Bureaus Small sized credit markets Difficulty to achieve economies of scale to lower opera+ng costs Opera+ng costs are high in the region Profitability can take many years

14 Lack of Data and Unreliable Data Lack of loca+on iden+fiers Interchangeable, unreliable individual naming Lack of unique iden+fiers Poor credit gran+ng prac+ces Manual based processes

15 Angola Public credit bureau for supervision purposes Bureau coverage (% of adults) = 2.4 Bureau distributes only Bank credit informa+on Both posi+ve and nega+ve informa+on Data on both firms and individuals distributed More than 2 years of historical credit held Data on all loans below 1% of income per capita

16 Botswana Private credit bureaus Bureau coverage (% of adults) = 60 Bureaus distributes micro lending, bank and retailing credit informa+on Both posi+ve and nega+ve informa+on of micro lending and CPA members only. Indigenous organisa+on don t share posi+ve informa+on Data on individuals distributed More than 2 years of historical credit held Data on all loans below 1% of income per capita

17 Burundi Public credit bureau for supervision purpose Bureau coverage (% of adults) = 0.3 Bureau distributes bank only Nega+ve only

18 Cameroon Public credit bureau for supervision purpose Bureau coverage (% of adults) = 9 Bureau distributes bank only Posi+ve and Nega+ve Data on all loans below 1% of income per capita distributed

19 Cape Verde Public credit bureau for supervision purpose Bureau coverage (% of adults) = 17 Bureau distributes bank only Posi+ve and Nega+ve More than 2 years of historical credit held Data on all loans below 1% of income per capita distributed

20 Central African Republic Public credit bureau for supervision purpose Bureau coverage (% of adults) = 6 Bureau distributes bank only Nega+ve only Data on all loans below 1% of income per capita distributed

21 Chad Public credit bureau for supervision purpose Bureau coverage (% of adults) = 0.8 Bureau distributes bank only Nega+ve only

22 Congo, Rep. Public credit bureau for supervision purpose Bureau coverage (% of adults) = 9 Bureau distributes bank only Nega+ve only Data on all loans below 1% of income per capita distributed

23 Côte d'ivoire Public credit bureau for supervision purpose Bureau coverage (% of adults) = 6 Bureau distributes bank only Nega+ve only

24 Djibou+ Public credit bureau for supervision purpose Bureau coverage (% of adults) = 0.3 Bureau distributes bank only Nega+ve only

25 Equatorial Guinea Public credit bureau for supervision purpose Bureau coverage (% of adults) = 4.7 Bureau distributes bank only Nega+ve only Data on all loans below 1% of income per capita distributed

26 Ethiopia Public credit bureau Bureau coverage (% of adults) = 1 Bureau distributes bank only Posi+ve and Nega+ve only More than 2 years of historical credit held Data on all loans below 1% of income per capita distributed

27 Gabon Public credit bureau for supervision purpose Bureau coverage (% of adults) = 51 Bureau distributes bank only Nega+ve only

28 Ghana Private credit bureau Bureau coverage (% of adults) = 11 Bureau distributes bank only Posi+ve and Nega+ve only Data on all loans below 1% of income per capita distributed

29 Private credit bureau Kenya Bureau coverage (% of adults) = 4.7 Bureau distributes bank only Nega+ve only Data on all loans below 1% of income per capita distributed

30 Lesotho Project underway for private bureau Posi+ve and nega+ve data Bank, micro lending, retail credit informa+on

31 Liberia Public credit bureau for supervision purpose Bureau coverage (% of adults) = 1.4 Bureau distributes bank only Nega+ve only

32 Madagascar Public credit bureau for supervision purpose Bureau coverage (% of adults) = 0.2 Bureau distributes bank only Nega+ve only

33 Private credit bureau Malawi Bureau coverage (% of adults) = 1 Bureau distributes bank only Posi+ve and Nega+ve data Data on all loans below 1% of income per capita distributed

34 Mauri+us Public credit bureau for supervision purpose Bureau coverage (% of adults) = 60 Bureau distributes bank and retailer credit data Posi+ve and Nega+ve only More than 2 years of historical credit held Data on all loans below 1% of income per capita distributed

35 Mozambique Public credit bureau for supervision purpose Bureau coverage (% of adults) = 4 Bureau distributes bank only Posi+ve and Nega+ve only

36 Nigeria Private credit bureau Bureau coverage (% of adults) = 5% Bureau distributes micro lending, bank and retailing credit informa+on Both posi+ve and nega+ve informa+on More than 2 years of historical credit held Data on all loans below 1% of income per capita distributed

37 Namibia Private credit bureau Bureau coverage (% of adults) = 66% Bureau distributes, bank and retailing credit informa+on Both posi+ve and nega+ve informa+on of micro lending and CPA members only. Indigenous organisa+ons don t share posi+ve informa+on Data on individuals distributed More than 2 years of historical credit held Data on all loans below 1% of income per capita distributed

38 Rwanda Both Private and Public credit bureau Bureau coverage (% of adults) = 13% Bureau distributes micro lending, bank and retailing credit informa+on Both posi+ve and nega+ve informa+on More than 2 years of historical credit held Data on all loans below 1% of income per capita distributed

39 Tanzania Both Private and Public credit bureau Bureau coverage (% of adults) = 5% Bureau distributes bank only Both posi+ve and nega+ve informa+on Data on all loans below 1% of income per capita distributed

40 Uganda Private credit bureau Bureau coverage (% of adults) = 4% Bureau distributes bank only credit informa+on Both posi+ve and nega+ve informa+on More than 2 years of historical credit held Data on all loans below 1% of income per capita distributed

41 Zambia Private credit bureau Bureau coverage (% of adults) = 12% Bureau distributes bank only Both posi+ve and nega+ve informa+on More than 2 years of historical credit held Data on all loans below 1% of income per capita distributed

42 West African States Project underway to set- up a credit repor+ng system for Benin, Burkina Faso, Guinea Bissau, Ivory Coast, Mali, Nigr, Senegal, and Togo

43 In summary Loads more countries with Private credit bureaus especially in SADC region, than 5 years ago. Next 5 years there will be even more Problems: Only +_ 5 % of popula+on on credit bureaus. Growing slowly. Indigenous firms need compe++on to expand credit extension Credit bureaus limited to banking sector only. Need regula+on reforms to allow data collec+on from retailers, telcos, etc. Banks use Credit bureaus as compliance tool, instead for credit risk management, due to regula+ons. More compe++on in market will change this. Coun+res without na+onal ID system needs to implement ASAP. Will provide increase in data quality of credit bureaus.

44 Thanks for your +me. Any ques+ons? CompuScan Credit Bureau Established in 1994 Headquarters in Stellenbosch Full service credit bureau Wide range of value adding products and services Representation in 5 countries in region Page 44

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