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Case Study

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Estimated AU$70-75bn in balances and AU$6-8bn in revenues for consumer lending market with further growth potential

Business challenge

Our client required an independent commercial due diligence to assess the size and growth of the Australian and New Zealand personal lending market, and project both market share and income potential of the target company.

Context

A leading financial institution was considering buying the Australian and New Zealand business of a global consumer lending company.

They were competing with three other bidders for this transaction, which was expected to rank as the largest private equity deal in Australia since the global financial crisis.

Business impact

$0bn

indentified in balances for consumer lending market

$0bn

identified in revenues for consumer lending market

0%

future growth potential over the next five years, partly due to an uplift in new volume driven by the introduction of comprehensive credit reporting

Solution

Top Line Solution

Estimate the market size for personal lending in Australia and New Zealand and market shares of the target and its competitors

Determine the historical growth rate and forecast growth rate for the market by analysing underlying drivers of demand, and current and future critical success factors

Perform a detailed comparison of personal lending products in the market and their relative attractiveness to different market segments

Analyse the regulatory environment and assessed the impact of comprehensive credit reporting and changing distribution channels – branch based to online

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