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Leasing Growth Stalls in Latin America
After six years of outstanding growth in Latin America's equipment leasing and finance industry, the most recent data from the region come as a bit of a surprise. The annual Alta LAR 100 report by The Alta Group Latin American Region reveals a 6% decrease in Latin American leasing portfolios in 2010, as measured in U.S. dollars. The industry was expected to hold its own despite some negative trends affecting leasing, as the overall economy grew an estimated 5% in 2010 and the first half of 2011, according to the International Monetary Fund's World Economic Outlook.
There are several reasons for declining leasing growth. First and foremost, the Latin American leasing industry is maturing. Business models are transitioning from pure finance and credit leases, to a greater focus on operating leases, which affects the way companies allocate capital, go to market, and originate business. Credit policies become more cautious and regulatory risks become a great concern. There is no doubt that the influence of the global regulatory wave is impacting the speed of development of such new growth. This goes hand to hand with the fact that finance leases have become more commoditized and compete with banking products.
Economic and political forces also hampered leasing expansion. The relative depreciation of the U.S. dollar compared with local currencies in Latin America was one factor reducing the size of leasing portfolios. Another factor was the 2008 financial crisis, which decreased equipment imports, bank lending, and overall credit availability. Tax reform and political leadership also had a negative impact in certain Latin American countries.
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