Marktanalyse - Bancassurance in Austria: Life, Non-Life and Creditor Insurance
Finaccord
11 / 2011
68 Seiten
| Typ: | Marktanalyse |
| Sprache: | Englisch |
| Regionen: | Österreich |
| Verfügbarkeit: | verfügbar |
Bitte wählen Sie ein Lieferformat und klicken Sie unten auf einen Bestellbutton:
Marktanalyse - 'Bancassurance in Austria: Life, Non-Life and Creditor Insurance'
Finaccord’s report titled Bancassurance in Austria: Life, Non-Life and Creditor Insurance is about the distribution of insurance products through banks and other lending institutions in Austria. Types of insurance considered are: investment-related life insurance and retirement savings; risk life insurance, critical illness insurance and income protection insurance; accident insurance, medical expenses insurance and health / hospital cash plans; personal motor insurance and household insurance; and creditor insurance for mortgages, consumer finance and credit cards.
Based on a survey of 61 organisations, it identifies 288 bancassurance distribution initiatives across these types of insurance, and highlights the operating models and product providers used in the vast majority of cases. Moreover, it analyses these bancassurance agreements in terms of ‘weighted partnerships’ which take into account the size of the retail customer base of the banking institutions distributing these policies, thereby differentiating between the most important relationships and those that are comparatively minor.
In addition, with the exception of creditor insurance, for which historic, current and forecast market size data is provided for 2007, 2011 and 2015, the report also sizes the market for the various types of insurance investigated in terms of gross written premiums between 2006 and 2010, provides a general introduction to the banking sector, comments upon the general influence of the bank distribution channel for these types of insurance, and presents available data for key bancassurance underwriters, including captives, joint ventures and other dedicated bancassurance underwriters.
You may be able to use this report and the PartnerBASE™ dataset that accompanies it in one or more of the following ways:
- gain access to a source of information that provides a comprehensive overview of the provision of a range of personal insurance products by a majority of significant banking entities in Austria;
- identify partnership opportunities for these types of insurance that may arise either because a banking institution is not currently active or because there is scope for replacing an existing initiative;
- understand which underwriters and other product providers have been successful in establishing distribution relationships with the most important banking entities in Austria;
- assess the background to the most significant bancassurance deals, differentiating between those that originate from long-term or strategic objectives and those that are more transient;
- appreciate the magnitude of the opportunity to sell different types of life, non-life and creditor insurance through banks and other lending institutions in Austria.
Finaccord’s report titled Bancassurance in Austria: Life, Non-Life and Creditor Insurance is about the distribution of insurance products through banks and other lending institutions in Austria. Types of insurance considered are: investment-related life insurance and retirement savings; risk life insurance, critical illness insurance and income protection insurance; accident insurance, medical expenses insurance and health / hospital cash plans; personal motor insurance and household insurance; and creditor insurance for mortgages, consumer finance and credit cards.
Based on a survey of 61 organisations, it identifies 288 bancassurance distribution initiatives across these types of insurance, and highlights the operating models and product providers used in the vast majority of cases. Moreover, it analyses these bancassurance agreements in terms of ‘weighted partnerships’ which take into account the size of the retail customer base of the banking institutions distributing these policies, thereby differentiating between the most important relationships and those that are comparatively minor.
In addition, with the exception of creditor insurance, for which historic, current and forecast market size data is provided for 2007, 2011 and 2015, the report also sizes the market for the various types of insurance investigated in terms of gross written premiums between 2006 and 2010, provides a general introduction to the banking sector, comments upon the general influence of the bank distribution channel for these types of insurance, and presents available data for key bancassurance underwriters, including captives, joint ventures and other dedicated bancassurance underwriters.
You may be able to use this report and the PartnerBASE™ dataset that accompanies it in one or more of the following ways:
- gain access to a source of information that provides a comprehensive overview of the provision of a range of personal insurance products by a majority of significant banking entities in Austria;
- identify partnership opportunities for these types of insurance that may arise either because a banking institution is not currently active or because there is scope for replacing an existing initiative;
- understand which underwriters and other product providers have been successful in establishing distribution relationships with the most important banking entities in Austria;
- assess the background to the most significant bancassurance deals, differentiating between those that originate from long-term or strategic objectives and those that are more transient;
- appreciate the magnitude of the opportunity to sell different types of life, non-life and creditor insurance through banks and other lending institutions in Austria.
Inhaltsverzeichnis Marktanalyse - 'Bancassurance in Austria: Life, Non-Life and Creditor Insurance'
TABLE OF CONTENTS
0.0 EXECUTIVE SUMMARY ... 1
1.0 INTRODUCTION 3
What is this report about? .. 3
Distribution partnerships with banks and other lending institutions constitute the focus of this report ... 3
Rationale 3
Across Europe, over 80% of banking entities surveyed are active in this arena to one extent or another 3
Methodology . 4
Survey of banks and other lending institutions . 4
Market data . 4
Definitions . 6
Investment-related life insurance .. 6
Retirement savings 6
Risk life insurance .. 6
Critical illness insurance . 6
Income protection insurance . 7
Accident insurance . 7
Health / hospital cash plans ... 7
Medical expenses insurance . 7
Personal motor insurance .. 7
Household insurance . 7
Creditor insurance .. 8
Mortgages, consumer finance and credit cards ... 8
Weighted provider share of partnerships .. 8
Operating models ... 9
Abbreviations and exchange rates .. 10
Finaccord 10
2.0 MARKET ANALYSIS ... 12
Banks and other lending institutions covered .. 12
Introduction to the banking sector .. 12
The banking system can be divided according to how banks operate at the national, regional and local level .. 12
Austrian banks are expected to raise EUR 2.9 billion to meet new capital requirements . 13
Investment-related life insurance and retirement savings .. 14
Insurance market size and growth .. 14
Austria’s market delivered little growth between 2006 and 2010 ... 14
Distribution share of banks .. 15
Bancassurance provision rates, operating models and partnerships ... 16
Investment-related life insurance 16
More than two in three banks offer investment-related life insurance in Austria ... 16
Erste Bank’s bancassurance partnership was renewed for another 15 years in 2008 . 16
The Raiffeisen Bankengruppe has also entered into a long-term strategic relationship ... 16
Both ERGO and Generali have bought majority stakes in major bancassurance providers in recent years... 16
Excluding captive brokers, around 16 competitors work with banks in this market segment ... 16
Retirement savings .. 19
The provision rate among banking institutions for retirement savings is slightly lower... .. 19
... although the operating models and partnerships are largely the same . 19
Performance of key bancassurance underwriters .. 21
On a combined basis, bancassurers increased their share of total life insurance between 2006 and 2010 ... 21
Protection-related life insurance . 22
Insurance market size and growth .. 22
Austria’s market for protection-related life insurance is delivering very little growth .. 22
Distribution share of banks .. 23
Bancassurance provision rates, operating models and partnerships ... 24
Risk life insurance 24
Risk life insurance is most commonly offered through external or joint venture underwriters .. 24
Oberösterreichische Versicherung acts both as an external and joint venture underwriter . 24
Critical illness insurance ... 26
In conjunction with ACE, American Express markets a critical illness policy focused on cancer . 26
Income protection insurance ... 28
Income protection insurance is quite commonly available from banks in Austria... .. 28
... with Raiffeisen Versicherung prominent in terms of its weighted share of partnerships ... 28
Cardif is unique in having introduced short-term income protection cover 28
A few banks offer income protection insurance in co-operation with joint venture underwriters .. 28
Performance of key bancassurance underwriters .. 30
Accident and health insurance 30
Insurance market size and growth .. 30
Austria’s market for accident and health insurance continues to grow at a consistent rate . 30
Around 1 million Austrian consumers have acquired supplementary health insurance ... 30
Distribution share of banks .. 32
Bancassurance provision rates, operating models and partnerships ... 32
Accident insurance ... 32
Insurance covering non-work accidents is available from over two thirds of banks surveyed.. 32
s Versicherung and Raiffeisen Versicherung are the leading insurers by weighted share of partnerships . 32
Counting all types of company, over 20 product providers compete for bank mandates in this sector... 33
... including several joint ventures in which the banking partners are likely to divest their shares 33
Entities with no scheme are mainly smaller banks and specialised lenders . 33
Medical expenses insurance ... 35
Generali and its Drei-Banken Versicherungs joint venture are the leading providers by weighted share ... 35
Health / hospital cash plans . 35
Just one banking entity among those researched offers a stand-alone hospital cash plan . 35
Performance of key bancassurance underwriters .. 38
The main bancassurers increased their share of accident insurance between 2006 and 2010 .. 38
Personal motor and household insurance 39
Insurance market size and growth .. 39
Household insurance gross written premiums have continued to grow at a moderate rate . 39
Distribution share of banks .. 40
Bancassurance provision rates, operating models and partnerships ... 41
Personal motor insurance 41
Personal motor insurance is marketed by close to one third of institutions investigated .. 41
UNIQA’s Raiffeisen Versicherung is the most prominent underwriter by weighted share of partnerships... ... 41
... followed by a captive and three joint ventures 41
Many sizeable Austrian banking institutions do not bother trying to sell motor policies 41
Household insurance ... 44
s Versicherung and Raiffeisen Versicherung are the most prominent underwriters used by banks 44
Several banks, including Bank Austria and Hypo Alpe-Adria Bank, utilise captive brokers in this field ... 44
Performance of key bancassurance underwriters .. 46
The main bancassurers increased their share of total non-life insurance between 2006 and 2010... . 46
Creditor insurance . 47
Consumer lending market size and growth 47
Mortgage lending . 47
Mortgage lending balances grew at an annual average of 3.7% between 2006 and 2010... .. 47
Non-mortgage lending . 48
... albeit non-mortgage lending barely grew at all ... 48
Credit and other pay later cards .. 49
Credit and other pay later cards reached an all-time high of 2.66 million in 2010 . 49
Creditor insurance provision rates, operating models and partnerships ... 50
Creditor insurance linked to mortgages .. 50
The vast majority of Austrian mortgage lenders also offer creditor insurance .. 50
Cardif maintains partnerships in this field with several medium-sized banks in Austria ... 51
Creditor insurance linked to consumer finance .. 53
Most providers of consumer finance offer related creditor insurance 53
Cardif is strong among companies involved in automotive finance ... 53
APRIL Financial Services organises creditor insurance for several lending institutions ... 53
Several relatively small captive and joint venture underwriters are also active in this market .. 53
Creditor insurance linked to credit cards . 55
Credit card payment protection insurance is rarely marketed in Austria ... 55
Creditor insurance risk coverage . 57
All creditor insurance policies found in the research offer protection against death . 57
Alternative distribution channels .. 58
Creditor insurance can also be bought from insurers directly although not online 58
Creditor insurance market size, growth and forecast . 58
Growth in creditor insurance premiums is forecast to moderate slightly between 2011 and 2015 .. 58
Tabellenverzeichnis Marktanalyse - 'Bancassurance in Austria: Life, Non-Life and Creditor Insurance'
LIST OF GRAPHICS / TABLES
0.0 EXECUTIVE SUMMARY ... 1
Overview of bancassurance provision rates for different types of insurance in Austria, 2011 ... 2
1.0 INTRODUCTION 3
Banks and other lending institutions in Austria contacted by Finaccord, segmented by type ... 4
2.0 MARKET ANALYSIS ... 12
Gross written premiums for investment-related life insurance and retirement savings in Austria, 2006-2010 ... 14
Gross written premiums for investment-related life insurance and retirement savings in Austria, 2006-2010 (data) . 15
Bancassurance provision of investment-related life insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships 18
Bancassurance provision of retirement savings in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 20
Market share in total life insurance of key bancassurance underwriters in Austria, 2006-2010 (data) ... 21
Gross written premiums for protection-related life insurance in Austria, 2006-2010 22
Gross written premiums for protection-related life insurance in Austria, 2006-2010 (data) . 23
Bancassurance provision of risk life insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 25
Bancassurance provision of critical illness insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 27
Bancassurance provision of income protection insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships 29
Gross written premiums for accident and health insurance in Austria, 2006-2010 .. 31
Gross written premiums for accident and health insurance in Austria, 2006-2010 (data) ... 31
Bancassurance provision of accident insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 34
Bancassurance provision of medical expenses insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships 36
Bancassurance provision of health / hospital cash plans in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 37
Market share in accident insurance of key bancassurance underwriters in Austria, 2006-2010 (data) .. 38
Gross written premiums for personal motor and household insurance in Austria, 2006-2010 39
Gross written premiums for personal motor and household insurance in Austria, 2006-2010 (data) . 40
Bancassurance provision of personal motor insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 43
Bancassurance provision of household insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 45
Market share in total non-life insurance of key bancassurance underwriters in Austria, 2006-2010 (data) 46
Residential mortgage lending balances outstanding in Austria (absolute and per capita), 2006-2010 .. 47
Consumer non-mortgage lending balances outstanding in Austria (absolute and per capita), 2006-2010 48
Credit and other pay later cards issued and per capita in Austria, 2006-2010 . 49
Key data points for the consumer lending market in Austria, 2006-2010 . 50
Provision of creditor insurance linked to mortgages in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 52
Provision of creditor insurance linked to consumer finance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships 54
Provision of creditor insurance linked to credit cards in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 56
Risk coverage of creditor insurance policies in Austria, segmented by type of underlying product, 2011 .. 57
Creditor insurance gross written premiums in Austria, segmented by policy type, 2007, 2011 and 2015 (forecast) ... 59
Creditor insurance gross written premiums in Austria, segmented by cover type, 2007, 2011 and 2015 (forecast) ... 59
Creditor insurance gross written premiums in Austria, segmented by policy and cover type, 2007, 2011 and 2015 (forecast) (data) ... 59
TABLE OF CONTENTS
0.0 EXECUTIVE SUMMARY ... 1
1.0 INTRODUCTION 3
What is this report about? .. 3
Distribution partnerships with banks and other lending institutions constitute the focus of this report ... 3
Rationale 3
Across Europe, over 80% of banking entities surveyed are active in this arena to one extent or another 3
Methodology . 4
Survey of banks and other lending institutions . 4
Market data . 4
Definitions . 6
Investment-related life insurance .. 6
Retirement savings 6
Risk life insurance .. 6
Critical illness insurance . 6
Income protection insurance . 7
Accident insurance . 7
Health / hospital cash plans ... 7
Medical expenses insurance . 7
Personal motor insurance .. 7
Household insurance . 7
Creditor insurance .. 8
Mortgages, consumer finance and credit cards ... 8
Weighted provider share of partnerships .. 8
Operating models ... 9
Abbreviations and exchange rates .. 10
Finaccord 10
2.0 MARKET ANALYSIS ... 12
Banks and other lending institutions covered .. 12
Introduction to the banking sector .. 12
The banking system can be divided according to how banks operate at the national, regional and local level .. 12
Austrian banks are expected to raise EUR 2.9 billion to meet new capital requirements . 13
Investment-related life insurance and retirement savings .. 14
Insurance market size and growth .. 14
Austria’s market delivered little growth between 2006 and 2010 ... 14
Distribution share of banks .. 15
Bancassurance provision rates, operating models and partnerships ... 16
Investment-related life insurance 16
More than two in three banks offer investment-related life insurance in Austria ... 16
Erste Bank’s bancassurance partnership was renewed for another 15 years in 2008 . 16
The Raiffeisen Bankengruppe has also entered into a long-term strategic relationship ... 16
Both ERGO and Generali have bought majority stakes in major bancassurance providers in recent years... 16
Excluding captive brokers, around 16 competitors work with banks in this market segment ... 16
Retirement savings .. 19
The provision rate among banking institutions for retirement savings is slightly lower... .. 19
... although the operating models and partnerships are largely the same . 19
Performance of key bancassurance underwriters .. 21
On a combined basis, bancassurers increased their share of total life insurance between 2006 and 2010 ... 21
Protection-related life insurance . 22
Insurance market size and growth .. 22
Austria’s market for protection-related life insurance is delivering very little growth .. 22
Distribution share of banks .. 23
Bancassurance provision rates, operating models and partnerships ... 24
Risk life insurance 24
Risk life insurance is most commonly offered through external or joint venture underwriters .. 24
Oberösterreichische Versicherung acts both as an external and joint venture underwriter . 24
Critical illness insurance ... 26
In conjunction with ACE, American Express markets a critical illness policy focused on cancer . 26
Income protection insurance ... 28
Income protection insurance is quite commonly available from banks in Austria... .. 28
... with Raiffeisen Versicherung prominent in terms of its weighted share of partnerships ... 28
Cardif is unique in having introduced short-term income protection cover 28
A few banks offer income protection insurance in co-operation with joint venture underwriters .. 28
Performance of key bancassurance underwriters .. 30
Accident and health insurance 30
Insurance market size and growth .. 30
Austria’s market for accident and health insurance continues to grow at a consistent rate . 30
Around 1 million Austrian consumers have acquired supplementary health insurance ... 30
Distribution share of banks .. 32
Bancassurance provision rates, operating models and partnerships ... 32
Accident insurance ... 32
Insurance covering non-work accidents is available from over two thirds of banks surveyed.. 32
s Versicherung and Raiffeisen Versicherung are the leading insurers by weighted share of partnerships . 32
Counting all types of company, over 20 product providers compete for bank mandates in this sector... 33
... including several joint ventures in which the banking partners are likely to divest their shares 33
Entities with no scheme are mainly smaller banks and specialised lenders . 33
Medical expenses insurance ... 35
Generali and its Drei-Banken Versicherungs joint venture are the leading providers by weighted share ... 35
Health / hospital cash plans . 35
Just one banking entity among those researched offers a stand-alone hospital cash plan . 35
Performance of key bancassurance underwriters .. 38
The main bancassurers increased their share of accident insurance between 2006 and 2010 .. 38
Personal motor and household insurance 39
Insurance market size and growth .. 39
Household insurance gross written premiums have continued to grow at a moderate rate . 39
Distribution share of banks .. 40
Bancassurance provision rates, operating models and partnerships ... 41
Personal motor insurance 41
Personal motor insurance is marketed by close to one third of institutions investigated .. 41
UNIQA’s Raiffeisen Versicherung is the most prominent underwriter by weighted share of partnerships... ... 41
... followed by a captive and three joint ventures 41
Many sizeable Austrian banking institutions do not bother trying to sell motor policies 41
Household insurance ... 44
s Versicherung and Raiffeisen Versicherung are the most prominent underwriters used by banks 44
Several banks, including Bank Austria and Hypo Alpe-Adria Bank, utilise captive brokers in this field ... 44
Performance of key bancassurance underwriters .. 46
The main bancassurers increased their share of total non-life insurance between 2006 and 2010... . 46
Creditor insurance . 47
Consumer lending market size and growth 47
Mortgage lending . 47
Mortgage lending balances grew at an annual average of 3.7% between 2006 and 2010... .. 47
Non-mortgage lending . 48
... albeit non-mortgage lending barely grew at all ... 48
Credit and other pay later cards .. 49
Credit and other pay later cards reached an all-time high of 2.66 million in 2010 . 49
Creditor insurance provision rates, operating models and partnerships ... 50
Creditor insurance linked to mortgages .. 50
The vast majority of Austrian mortgage lenders also offer creditor insurance .. 50
Cardif maintains partnerships in this field with several medium-sized banks in Austria ... 51
Creditor insurance linked to consumer finance .. 53
Most providers of consumer finance offer related creditor insurance 53
Cardif is strong among companies involved in automotive finance ... 53
APRIL Financial Services organises creditor insurance for several lending institutions ... 53
Several relatively small captive and joint venture underwriters are also active in this market .. 53
Creditor insurance linked to credit cards . 55
Credit card payment protection insurance is rarely marketed in Austria ... 55
Creditor insurance risk coverage . 57
All creditor insurance policies found in the research offer protection against death . 57
Alternative distribution channels .. 58
Creditor insurance can also be bought from insurers directly although not online 58
Creditor insurance market size, growth and forecast . 58
Growth in creditor insurance premiums is forecast to moderate slightly between 2011 and 2015 .. 58
Tabellenverzeichnis Marktanalyse - 'Bancassurance in Austria: Life, Non-Life and Creditor Insurance'
LIST OF GRAPHICS / TABLES
0.0 EXECUTIVE SUMMARY ... 1
Overview of bancassurance provision rates for different types of insurance in Austria, 2011 ... 2
1.0 INTRODUCTION 3
Banks and other lending institutions in Austria contacted by Finaccord, segmented by type ... 4
2.0 MARKET ANALYSIS ... 12
Gross written premiums for investment-related life insurance and retirement savings in Austria, 2006-2010 ... 14
Gross written premiums for investment-related life insurance and retirement savings in Austria, 2006-2010 (data) . 15
Bancassurance provision of investment-related life insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships 18
Bancassurance provision of retirement savings in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 20
Market share in total life insurance of key bancassurance underwriters in Austria, 2006-2010 (data) ... 21
Gross written premiums for protection-related life insurance in Austria, 2006-2010 22
Gross written premiums for protection-related life insurance in Austria, 2006-2010 (data) . 23
Bancassurance provision of risk life insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 25
Bancassurance provision of critical illness insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 27
Bancassurance provision of income protection insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships 29
Gross written premiums for accident and health insurance in Austria, 2006-2010 .. 31
Gross written premiums for accident and health insurance in Austria, 2006-2010 (data) ... 31
Bancassurance provision of accident insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 34
Bancassurance provision of medical expenses insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships 36
Bancassurance provision of health / hospital cash plans in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 37
Market share in accident insurance of key bancassurance underwriters in Austria, 2006-2010 (data) .. 38
Gross written premiums for personal motor and household insurance in Austria, 2006-2010 39
Gross written premiums for personal motor and household insurance in Austria, 2006-2010 (data) . 40
Bancassurance provision of personal motor insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 43
Bancassurance provision of household insurance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 45
Market share in total non-life insurance of key bancassurance underwriters in Austria, 2006-2010 (data) 46
Residential mortgage lending balances outstanding in Austria (absolute and per capita), 2006-2010 .. 47
Consumer non-mortgage lending balances outstanding in Austria (absolute and per capita), 2006-2010 48
Credit and other pay later cards issued and per capita in Austria, 2006-2010 . 49
Key data points for the consumer lending market in Austria, 2006-2010 . 50
Provision of creditor insurance linked to mortgages in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 52
Provision of creditor insurance linked to consumer finance in Austria, 2011: provision rate, operating models and weighted provider share of partnerships 54
Provision of creditor insurance linked to credit cards in Austria, 2011: provision rate, operating models and weighted provider share of partnerships . 56
Risk coverage of creditor insurance policies in Austria, segmented by type of underlying product, 2011 .. 57
Creditor insurance gross written premiums in Austria, segmented by policy type, 2007, 2011 and 2015 (forecast) ... 59
Creditor insurance gross written premiums in Austria, segmented by cover type, 2007, 2011 and 2015 (forecast) ... 59
Creditor insurance gross written premiums in Austria, segmented by policy and cover type, 2007, 2011 and 2015 (forecast) (data) ... 59
- 2020 Foresight: Bancassurance
- Bancassurance in Indonesia: Life, Non-Life and Creditor Insurance
- Bancassurance in Vietnam: Life, Non-Life and Creditor Insurance
- Bancassurance in India: Life, Non-Life and Creditor Insurance
- Bancassurance in Thailand: Life, Non-Life and Creditor Insurance
- Bancassurance in Hong Kong: Life, Non-Life and Creditor Insurance
- Bancassurance in Japan: Life, Non-Life and Creditor Insurance
- Bancassurance in South Korea: Life, Non-Life and Creditor Insurance
- Golden Ager ((Vor-)Ruheständlern bis 75 Jahre ) - Zielgruppe für Finanzdienstleister
- Silver Ager (Berufstätige 50plus) - Zielgruppe für Finanzdienstleister
- Market Opportunities and Emerging Trends in the Prepaid Card Market in Sub-Saharan Africa
- Online Strategies of Banking and Insurance Companies in Brazil: Market Profile
- Online Strategies of Banking and Insurance Companies in China: Market Profile
- Online Strategies of Banking and Insurance Companies in India: Market Profile
- Online Strategies of Banking and Insurance Companies in Russia: Market Profile
- Insurance and Assistance linked to Payment Cards and Bank Accounts in Austria
- Insurance and Assistance linked to Payment Cards and Bank Accounts in Belgium
- Insurance and Assistance linked to Payment Cards and Bank Accounts in Denmark
- Insurance and Assistance linked to Payment Cards and Bank Accounts in Finland
- Insurance and Assistance linked to Payment Cards and Bank Accounts in France
*Alle Preise sind netto ausgewiesen. In Abhängigkeit von Ihrer Rechnungsanschrift ist hierauf noch USt. zu entrichten (Deutschland z.Z. 19%). Unser Angebot richtet sich ausschließlich an Unternehmen, Gewerbetreibende und Freiberufler.
Für Sie protokollierte Studien / Marktanalysen:
zuletzt angesehene Studien:
Seite drucken
Seite empfehlen
Home | Werbung | Über marktforschung.de | AGB | Impressum | Sitemap | Suche © 2006 bis 2013 Alle Rechte bei marktforschung.de - Studie - Bancassurance in Austria: Life, Non-Life and Creditor Insurance - Marktdaten / Marktanalysen bei marktforschung.de