Challengers Grab Home Loan Market Share in Asia

This Financial Insights report discusses the frenetic battle by Asian banks for market share in home loans, focusing on the key players and competitive dynamics in five markets where the race is fiercest — India, Hong Kong, South Korea, Malaysia, Thailand, and India. The report also looks at the business and technology imperatives for banks as they take advantage of opportunities in home loans.

"Recent market share wins somewhat show that price advantage is still the largest draw for potential mortgage customers," remarks Michael Araneta, senior research manager for Financial Insights Asia/Pacific IT Benchmarking. "However," Araneta states, "banks should also look at initiatives in operational efficiency, multichannel integration, data quality, analytics, and risk management to help them not build share but profitable and sustainable home loan businesses."