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市場調查報告書

歐洲的債權人保險市場

Creditor Insurance in Europe

出版商 Finaccord Ltd. 商品編碼 310919
出版日期 內容資訊 英文 437 Pages
商品交期: 最快1-2個工作天內
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歐洲的債權人保險市場 Creditor Insurance in Europe
出版日期: 2014年06月01日 內容資訊: 英文 437 Pages
簡介

本報告提供歐洲20個國家債權人保險市場相關調查、各地區以及各國的貸款機關之債權人保險的儲備金、貸款產品的儲備金的差異、債權人保險儲備金的營業模式等分析。

摘要整理

第1章 簡介

第2章 歐洲概要

  • 簡介
  • 市場分析:消費者金融
  • 債權人保險的儲備金率、營業模式
  • 不動產相關的債權人保險
  • 消費者金融相關的債權人保險
  • 信用卡相關的債權人保險
  • 市場分析:債權人保險
  • 法規環境:債權人保險

第3章 奧地利

  • 銀行、其他貸款機關
  • 銀行部門的簡介
  • 消費者金融市場規模、成長率
  • 不動產融資
  • 非不動產融資
  • 信用、其他墊付卡
  • 信用保險的準備率、營業模式、聯盟
  • 不動產相關的信用保險
  • 消費者金融相關的債權人保險
  • 債權人保險的風險涵蓋範圍
  • 替代的流通管道
  • 債權人保險的市場規模、成長率與預測

第4章 比利時

第5章 捷克

第6章 丹麥

第7章 法國

第8章 德國

第9章 希臘

第10章 匈牙利

第11章 義大利

第12章 荷蘭

第13章 挪威

第14章 波蘭

第15章 葡萄牙

第16章 羅馬尼亞

第17章 俄羅斯

第18章 西班牙

第19章 瑞典

第20章 瑞士

第21章 土耳其

第22章 英國

圖表一覽

目錄

Finaccord's report titled Creditor Insurance in Europe offers updated and detailed insights into the market for creditor insurance, sometimes also referred to as payment protection insurance or loan-related insurance, in 20 countries. Creditor insurance was worth around EUR 39.3 billion in gross written premiums in the region in 2013, including coverage for life and permanent disability as well as the temporary disability and unemployment elements. However, the progress of individual creditor insurance markets has been variable in recent years with steady growth in some territories offset by declines of varying degrees of magnitude in others, sometimes as a result of regulatory intervention.

Drawing on the results of a survey of over 1,200 lending institutions, the report analyses the provision of creditor insurance by lending institutions, variances in provision by underlying lending product, operating models for provision of creditor insurance, weighted provider share of partnerships and the potential for selling creditor cover through distribution channels other than the lending institutions themselves. The PartnerBASE™ dataset that accompanies the report details each of close to 1,800 creditor insurance distribution deals traced by Finaccord. Together, the report, PartnerBASE™ dataset and market data file will provide you with the definitive guide to current and future opportunities in creditor insurance in Europe.

You may be able to use this report and the PartnerBASE™ that accompanies it in one or more of the following ways:

  • appreciate the magnitude of the opportunity in creditor insurance in Europe and how this breaks down between policies cross-sold in conjunction with mortgages, point-of-sale automotive finance, other consumer finance and credit cards;
  • identify partnership opportunities for creditor insurance and prioritise these according to the potential that they offer as defined by the size of lending institutions' retail customer base;
  • understand the supply structure for creditor insurance in Europe and whether specialists are winning business by virtue of their focused approach;
  • assess the extent to which the provision of temporary incapacity and unemployment modules within creditor insurance policies is commonplace in different European countries;
  • gain insight into the presence of leading creditor insurance market participants including Allianz, APRIL, Assurances du Crédit Mutuel, Aviva, AXA, BNP Paribas Cardif, CNP, Crédit Agricole Assurances, Credit Life International, Genworth Financial, MetLife and Société Générale Insurance.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • Gross written premiums across the 20 countries amounted to over EUR 39 billion in 2013...
  • ... within which mortgage-related policies made up over EUR 28 billion...
  • ... and cover for temporary incapacity and unemployment close to EUR 10 billion
  • The leading eight groups are likely to account for around 43% of the total regional market
  • CNP Assurances is prominent as a result of France's large creditor insurance market
  • Regulatory intervention has had a substantial impact already in the UK and the Netherlands...
  • ... and could also come into play in other countries or even across the EU as a whole

1.0 INTRODUCTION

  • What is this report about?
    • Distribution partnerships with banks and other lending institutions constitute the focus of this report
  • Rationale
    • The report tracks almost 1,800 initiatives for marketing creditor insurance through lending institutions
  • Methodology
  • Survey of banks and other lending institutions
  • Market data
  • Definitions
  • Creditor insurance
  • Mortgages, consumer finance and credit cards
  • Weighted provider share of partnerships
  • Operating models
  • Abbreviations and exchange rates
  • PartnerBASE and market data annexe
  • Finaccord

12.0 EUROPEAN OVERVIEW

  • Introduction
  • Market analysis - consumer lending
    • Retail lending balances outstanding amounted to EUR 9.41 trillion across the 20 countries in 2013
    • Mortgage lending in Turkey experienced particularly strong growth between 2009 and 2013...
    • ... while Russia displays the highest nominal compound annual growth in non-mortgage consumer lending
    • Switzerland's lending market is the largest in per capita terms followed by those of Norway and Denmark
    • Mortgage balances per capita remain below EUR 1,000 in Romania, Russia and Turkey
    • Consumer non-mortgage balances per capita are highest in Norway and lowest in Hungary
    • Non-mortgage credit has fallen as a proportion of total consumer lending in all but two countries
    • The UK accounts for over 17.5% of the region's total credit and other pay later cards in circulation
    • In per capita terms, the credit card markets of Hungary and Romania are the least developed
  • Creditor insurance provision rates and operating models
  • Creditor insurance linked to mortgages
    • In four out of 20 countries, provision of mortgage-related creditor insurance is universal
    • Use of a single external underwriter constitutes the most regularly used operating model in 13 markets...
    • ... although captive underwriters are preferred in four countries
    • When analysed on a weighted basis, the use of captive underwriters is significantly more prominent
    • When analysed at a group level, the leading eight provider groups account for around 45% of this market...
    • ... with CNP Assurances likely to be the regional leader
  • Creditor insurance linked to consumer finance
    • The provision rate for policies linked to consumer finance hits a maximum level in Poland
    • A majority of initiatives are organised in conjunction with a single, external product provider
    • On a weighted basis, use of captive providers becomes more prominent within the total
  • BNP Paribas is likely to be the region's leading provider of creditor insurance linked to consumer finance
    • ... in a market where five of the top eight provider groups originate from France
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is offered most commonly by Belgian card issuers
    • Even on an unweighted basis, captive underwriters are especially prominent in five countries
    • Viewed on a weighted basis, joint venture underwriters are likely to be most dominant in Spain
    • BNP Paribas and Genworth Financial emerge as the probable market leaders in this arena
  • Market analysis - creditor insurance
    • The total market value is predicted to advance to over EUR 45 billion in gross written premiums by 2017
    • Moderate growth is predicted for the life insurance elements of creditor insurance...
    • ... and the value of cover for temporary incapacity and unemployment is likely to rise more quickly
    • In terms of its value, France's market for mortgage-related creditor insurance is the largest
    • ... although that of Turkey is most well-developed relative to the size of the mortgage lending sector
    • Germany is likely to be the largest market for policies linked to point-of-sale automotive finance...
    • In loan payment protection insurance, the most rapid growth is recorded for Russia and Turkey...
    • ... with the Dutch and UK markets both contracting rapidly
    • The Polish market is well-developed by one key measure
    • The outlook for credit card payment protection insurance is most promising in Russia...
    • ... albeit the Polish market was the most developed in terms of premiums per card issued as of 2013
  • Regulatory environment - creditor insurance
    • Regulatory intervention has been decisive in the Netherlands and the UK...
    • ...although in France it has had much less impact
    • This aspect of the operating environment is least straightforward to predict

13.0 AUSTRIA

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • The banking system can be divided according to how banks operate at a national, regional and local level
    • Little structural change has been evident in recent years
    • Austria's larger banking groups have substantial exposure to central, eastern and south-eastern Europe
  • Consumer lending market size and growth
  • Mortgage lending
    • Mortgage balances continue to move up steadily whether measured in nominal or real terms...
  • Non-mortgage lending
    • ...but the value of total non-mortgage consumer lending has diminished somewhat in recent years
  • Credit and other pay later cards
    • The number of credit cards in circulation peaked in 2011 and has since slipped back
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • All but two mortgage lenders in Austria offer related creditor insurance
    • Market leader s Versicherung benefits from a strategic partnership with Erste Group...
    • ... while UNIQA's Raiffeisen Versicherung holds a long-term partnership with Raiffeisen Bankengruppe
  • ERGO and UniCredit entered into a long-term, multi-country distribution agreement in 2008
    • Captive and joint venture underwriters play a comparatively minor role in this sphere...
    • ...in which a substantial number of insurers compete for distribution mandates
  • Creditor insurance linked to consumer finance
    • Providers of non-mortgage credit are also enthusiastic distributors of related creditor insurance
    • Cardif is especially strong among companies involved in automotive finance...
    • ...and the large number of specialist consumer credit providers results in a diverse market
  • Creditor insurance linked to credit cards
    • Schemes for credit card payment protection insurance are much less widespread
  • Creditor insurance risk coverage
    • Over three quarters of policies include an option for insuring temporary incapacity or unemployment
  • Alternative distribution channels
    • Risk life policies that can be used to protect credit balances are available directly from a few insurers...
    • ... but neither brokers nor aggregators appear to be present in this market
  • Creditor insurance market size, growth and forecast
    • The overall market has recorded steady growth in recent years...
    • ... and this trend is expected to continue through to 2017

14.0 BELGIUM

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • BNP Paribas is the owner (or co-owner) of several consumer-facing banking entities in Belgium...
    • ... in a market that has seen some important structural changes in recent years...
    • ... such as the acquisition of Citibank Belgium by Crédit Mutuel
    • Further changes to ownership structure seem likely to occur in future
  • Consumer lending market size and growth
  • Mortgage lending
    • Belgium's residential mortgage lending market continues to expand at a fairly healthy rate
  • Non-mortgage lending
    • ... although the value of total non-mortgage consumer lending has decreased in real terms
  • Credit and other pay later cards
    • The number of credit cards in circulation edged up in both 2012 and 2013
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • Most mortgage lending institutions have an arrangement for selling related creditor insurance...
    • ... with AG Insurance emerging as the provider with the highest weighted share of partnerships...
    • ... followed by Belfius Insurance, KBC Assurances, ING Life Belgium and Argenta Assurances
    • Even the most prominent external underwriter is limited to a relatively low weighted share of partnerships
  • Creditor insurance linked to consumer finance
    • Most providers of consumer finance are also distributors of associated creditor insurance...
    • ... with many adhering to the same approach as that used for mortgage-related policies
    • Cardif has built up a total of as many as 14 different partnerships in this arena...
    • ... in a market in which there is no shortage of competing underwriters
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is commonly marketed by card issuers in Belgium
    • Captive and joint venture underwriters are also prevalent in this field...
    • ...albeit a few card issuers maintain insurance programs with external underwriters
  • Creditor insurance risk coverage
    • Quite a lot of policies in Belgium are only designed to provide cover in the event of death
  • Alternative distribution channels
    • Borrowers can also choose to acquire creditor cover directly from underwriters...
    • ...or from insurance or mortgage brokers
  • Creditor insurance market size, growth and forecast
    • Mortgage-related creditor insurance accounts for close to 80% of the total market...
    • ... which is forecast to grow at a nominal compound annual rate of 5.5% up to 2017

15.0 CZECH REPUBLIC

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • The Czech banking sector has remained stable during and in the aftermath of recent financial crises...
    • ... with merger and acquisition activity largely restricted to smaller institutions
  • Consumer lending market size and growth
  • Mortgage lending
    • Mortgage balances outstanding continue to increase steadily in both nominal and real terms
  • Non-mortgage lending
    • The value of total non-mortgage consumer lending has been rising less rapidly
  • Credit and other pay later cards
    • The number of credit cards in circulation moved up quite strongly between 2009 and 2013
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • Creditor insurance is available from all mortgage lenders in the Czech Republic...
    • ... with four underwriters likely to account for well over 80% of the market value...
    • ... three of which operate wholly or partially as captive providers
    • Wüstenrot pojistovna benefits from an alliance between Wüstenrot Hypotecní Banka and Cetelem
    • Due to its strategic partnership with Raiffeisen Bankengruppe, UNIQA is also quite prominent...
    • ...and BNP Paribas Cardif, ERGO and MetLife also claim partnerships in this arena
  • Creditor insurance linked to consumer finance
    • Four of the five leading providers are the same as for creditor insurance related to mortgages...
    • ... with Pojistovna Ceské sporitelny again the leader by weighted share of partnerships
    • BNP Paribas Cardif has established several partnerships that are specific to consumer finance...
    • ... and a few other relationships are in evidence that are relevant only to this field
  • Creditor insurance linked to credit cards
    • Just five underwriters are active in the market for creditor insurance related to credit cards
    • ... and these compete for mandates with 12 card issuers
  • Creditor insurance risk coverage
    • All policies identified in the Czech Republic cover the risks of death and permanent disability
  • Alternative distribution channels
    • There is little evidence for the development of alternative distribution channels for creditor insurance
  • Creditor insurance market size, growth and forecast
    • The Czech creditor insurance market is likely to have performed fairly well in recent years...
    • ... and is predicted to grow at a similar compound annual rate between 2013 and 2017

16.0 DENMARK

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Seven of the largest ten retail banking institutions are indigenous to Denmark
    • The Danish banking sector has experienced significant changes in recent years
    • ... with several entities having been taken over by Finansiel Stabilitet...
    • ...and with others having been subject to private-sector merger and acquisition activity
    • However, the finances of the four largest Danish banks remain comparatively healthy
  • Consumer lending market size and growth
  • Mortgage lending
    • Denmark's large mortgage market continued to edge up between 2009 and 2013...
  • Non-mortgage lending
    • ...but the value of total non-mortgage consumer lending has fallen back quite drastically
  • Credit and other pay later cards
    • The number of credit cards in circulation contracted sharply in both 2012 and 2013
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • All but two mortgage lenders are also active in mortgage-related creditor insurance
    • 10 banking institutions use the combination of Letpension and PFA...
    • ...while Danica Pension benefits from a sole captive partnership
    • Three other providers account for the bulk of remaining business in this market
  • Creditor insurance linked to consumer finance
    • Over two thirds of institutions offering consumer finance also offer a related creditor insurance policy
    • After PFA, Genworth Financial holds the most exclusive partnerships in this sphere
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is less commonly marketed by card issuers in Denmark...
    • ... with just four underwriters identifiable at the time of the research
  • Creditor insurance risk coverage
    • Policies sold to credit card customers are most likely to cover temporary incapacity and unemployment
  • Alternative distribution channels
  • Creditor insurance market size, growth and forecast
    • Mortgage-related policies account for the vast majority of the market value
    • ... which is forecast to move up further between 2013 and 2017

17.0 FRANCE

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • The French consumer banking sector is fairly concentrated...
    • ...and all major banking groups have set up captive insurance providers
  • Consumer lending market size and growth
  • Mortgage lending
    • Mortgage balances outstanding continue to increase steadily in both nominal and real terms...
  • Non-mortgage lending
    • ...although the value of total non-mortgage consumer lending has fallen back in recent years
  • Credit and other pay later cards
    • The number of credit cards in circulation increased slightly in both 2012 and 2013
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • The vast majority of mortgage borrowers take out mortgage-related life cover as a minimum
    • CNP Assurances is easily the most visible provider in terms of weighted share of partnerships
    • ...although the partnership with Groupe BPCE is subject to change from 2016 onwards
    • ... with ACM and Cardif the next most significant competitors
    • Both Crédit Agricole and Groupe BPCE use a hybrid model in this arena
    • As well as CNP Assurances, external providers include AXA, QUATREM and Swiss Life
  • Creditor insurance linked to consumer finance
    • Virtually all providers of consumer finance offer a related creditor insurance policy
    • CNP Assurances and Sogécap are likely to be market leaders in this arena...
    • ... although Cardif has the highest number of distribution agreements in place...
    • ...in another market which is largely dominated by captive underwriters
    • In total, approaching 30 legally distinct underwriting entities are active in this arena
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is commonly marketed by card issuers in France
    • CNP Assurances again claims the highest weighted share of partnerships in this field...
    • ...and partnerships are mainly similar to those for creditor insurance linked to consumer finance
    • Only five credit card issuers lack an arrangement in this field
  • Creditor insurance risk coverage
    • Cover for death and permanent disability is universal across all types of creditor policy
  • Performance of key bancassurance underwriters
    • CNP Assurances underwrites over EUR 2.5 billion of creditor insurance premiums in France...
    • ... in a market in which various attempts have been made by regulators to increase competition...
    • ... with further legislation potentially on its way
  • Alternative distribution channels
    • Creditor insurance is available from numerous sources apart from lending institutions...
    • ... including major generalist and specialist underwriters...
    • ... plus both long-established financial intermediaries, such as APRIL, and newer comparison websites
    • However, lending institutions remain the single most important distribution channel for this policy type
  • Creditor insurance market size, growth and forecast
    • Growth in mortgage-related creditor insurance premiums is most robust
    • Statistics exist to help quantify the market for creditor insurance in France

18.0 GERMANY

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • The German banking market can be divided into three main categories...
    • ... namely, private sector banks...
    • ... plus public sector and co-operative banks
    • Taken as a whole, the co-operative banks possess the most retail branches in Germany
  • Consumer lending market size and growth
  • Mortgage lending
    • Mortgage balances outstanding increased gently between 2009 and 2013...
  • Non-mortgage lending
    • ... while the value of total non-mortgage consumer lending diminished slightly
  • Credit and other pay later cards
    • The number of credit cards in circulation is set to break the 30 million barrier in 2014
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • Mortgage-related creditor insurance in Germany in normally sourced from external underwriters
    • PB Lebensversicherung and Allianz benefit from important strategic partnerships in this arena
    • R+V is utilised by the majority of co-operative banks
    • Zurich has extended its distribution relationship with Deutsche Bank in Germany through to 2022
    • Provinzial is the public sector insurer used most frequently by savings banks
    • In total, there are around 30 product providers active in this segment of German creditor insurance
  • Creditor insurance linked to consumer finance
    • Out of 113 providers of consumer finance, 108 have an arrangement for related creditor insurance
    • Many partnerships in this sphere are identical to those for mortgage-related creditor insurance...
    • ...albeit Cardif has a much stronger position in this field
    • Credit Life International has made some changes to its approach to the German market
    • ProTect is a specialised underwriter for unemployment cover to the saving banks
    • Distribution relationships held by ERGO and Talanx (via TARGO Versicherung) are also strategic
    • Seven institutions employ a captive underwriter for loan payment protection insurance
  • Creditor insurance linked to credit cards
    • Relatively few credit card issuers have an arrangement for related payment protection insurance
  • Creditor insurance risk coverage
    • Mortgage-related creditor insurance in often configured as a risk life policy including critical illness
  • Alternative distribution channels
    • Creditor insurance can also be acquired directly through a number of insurance companies...
    • ... with several insurance brokers also active in this arena
    • Consumer research shows that mortgage-related policies are often bought via alternative channels
  • Creditor insurance market size, growth and forecast
    • Policies linked to mortgages account for the majority of the market value...
    • ... and are also expected to deliver the strongest growth up to 2017

19.0 GREECE

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • The Greek banking sector was hit hard by the wider sovereign debt crisis...
    • ...triggering a number of large scale bail-out programmes
    • Four major banking groups are controlled by a government-owned financial stability fund...
    • ... and these groups have themselves taken over a number of smaller banks
    • With some having been wound down already, the number of co-operative banks may decrease further
  • Consumer lending market size and growth
  • Mortgage lending
    • Greek mortgage balances outstanding decreased by almost EUR 10 billion between 2009 and 2013...
  • Non-mortgage lending
    • ... with the value of total non-mortgage consumer lending down by a similar value
  • Credit and other pay later cards
    • The number of credit and other pay later cards in circulation more than halved between 2009 and 2013
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • All Greek mortgage lenders are also distributors of mortgage-related creditor insurance
    • This market is dominated by the distribution agreements of the four largest banking groups...
    • ...albeit Syneteristiki has a large number of partnerships in place with co-operative banks
  • Creditor insurance linked to consumer finance
    • Almost all institutions offering consumer finance also offer a related creditor insurance policy
    • AIG claims the highest weighted share of partnerships followed by AXA and Eurolife EFG
    • MetLife Alico holds two exclusive partnerships in this sphere
  • Creditor insurance linked to credit cards
    • Half a dozen schemes for card-related creditor insurance are in evidence...
    • ... with five underwriters of this type of cover identifiable at the time of the research
  • Creditor insurance risk coverage
    • All credit card payment protection insurance policies cover temporary incapacity and unemployment
  • Alternative distribution channels
    • A number of insurance companies offer creditor insurance directly to consumers
  • Creditor insurance market size, growth and forecast
    • The creditor insurance market is likely to have decreased in line with the retail lending market...
    • ... and is forecast to contract even more rapidly between 2013 and 2017

10.0 HUNGARY

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • OTP Bank, Hungary's largest bank by retail customers, remains independent...
    • ... although almost all significant challengers are owned by foreign parents...
    • ... in a banking sector affected by weak profitability and a troubled economy
    • Further banking sector consolidation can be expected...
    • ... in the wake of several acquisitions that have taken place already
  • Consumer lending market size and growth
  • Mortgage lending
    • Hungary's mortgage balances peaked in 2010 and 2011 before falling substantially in 2012 and 2013
  • Non-mortgage lending
    • The value of total non-mortgage consumer lending has fallen back even more drastically
  • Credit and other pay later cards
    • In terms of total cards issued, the credit card market returned to growth in both 2012 and 2013
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • Most mortgage lending institutions that could offer related creditor insurance already do so
    • K&H Insurance is the most prominent captive underwriter in the market
    • Two subsidiaries of Vienna Insurance Group benefit from working with Erste Bank...
    • ... while UNIQA holds a long-established bancassurance partnership with Raiffeisen Bankengruppe
    • Other insurance providers in this field include AEGON, Allianz, CIG Pannonia and SIGNAL
  • Creditor insurance linked to consumer finance
    • In this field, Generali usurps Groupama as the leader by weighted share of partnerships
    • Cardif is especially strong among specialised lenders and automotive finance captives
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is also commonly marketed by card issuers in Hungary...
    • ... with as many as eight underwriters identifiable at the time of the research
  • Creditor insurance risk coverage
    • Policies sold to credit card customers are most likely to cover temporary incapacity or unemployment
  • Alternative distribution channels
    • Cover can also be acquired from a number of broking entities if not directly from insurers
  • Creditor insurance market size, growth and forecast
    • Mortgage-related policies account for the lion's share of the market value...
    • ... with little growth likely to occur in the years leading up to 2017

11.0 ITALY

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Four, or arguably five, retail banking groups lay claim to a genuinely nationwide network...
    • ... although these are challenged by an array of ambitious regional competitors...
    • ... including the 'banche di credito cooperative' and 'casse Raiffeisen'...
    • ... as well as several insurer-owned banks and banks falling under foreign ownership
    • Italy also plays host to a considerable number of specialised lending institutions
    • Italy's banking groups typically encapsulate a number of local or regional banking brands
  • Consumer lending market size and growth
  • Mortgage lending
    • Despite the economic turmoil, mortgage balances outstanding have remained fairly stable...
  • Non-mortgage lending
    • ... albeit the value of total non-mortgage consumer lending has fallen back since 2011
  • Credit and other pay later cards
    • The number of credit cards in circulation has declined rapidly in recent years
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • A wide range of operating models is used to source mortgage-related creditor insurance in Italy...
    • ... as policies are often underwritten by life and non-life insurers acting in concert
    • UniCredit Banca's complicated arrangements involve the use of multiple joint venture underwriters
    • Over 20 external providers of mortgage-related creditor insurance claim at least one relationship
    • Assimoco co-operates in this area with as many as 13 of the lending institutions investigated
  • Creditor insurance linked to consumer finance
    • Loan payment protection insurance is available from the vast majority of relevant lending institutions...
    • ... with Cardif especially prominent in this arena
    • ... and MetLife also a significant competitor
    • Once again, a large number of captive and joint venture underwriters are in evidence...
    • ... a number of which are domiciled outside of Italy itself
    • The competition among non-captives is as fragmented and intense as it is for mortgage-related cover
    • Lending institutions with no arrangement in this area are all comparatively minor entities
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is less commonly marketed by card issuers in Italy...
    • ... and three providers are dominant by weighted share of partnerships
  • Creditor insurance risk coverage
    • In all segments, close to 90% of policies analysed cover temporary incapacity and unemployment
  • Alternative distribution channels
    • Credit brokers constitute a significant alternative distribution channel for creditor insurance...
    • ... with some insurance providers specifically focused on this route to market
    • Some borrowers protect their loans with general-purpose protection-related life insurance
  • Creditor insurance market size, growth and forecast
    • As the lending sector has slowed, growth in the related insurance market has decelerated in recent years
    • ... and this trend seems likely to persist through to 2017

12.0 NETHERLANDS

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • The concentrated Dutch banking market has been forced to restructure in recent years...
    • ... with government intervention having been necessary in several cases
    • At the behest of the European Commission, ING is being broken up...
    • ... with its insurance arm slated for divestment in 2014
    • Several lending institutions have withdrawn from the market
  • Consumer lending market size and growth
  • Mortgage lending
    • The Dutch mortgage market decreased slightly in real terms between 2009 and 2013...
  • Non-mortgage lending
    • ...and the value of total non-mortgage consumer lending peaked in 2010
  • Credit and other pay later cards
    • The market for credit and other pay later cards in the Netherlands is essentially flat
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • By weighted share of partnerships, the Dutch market is relatively concentrated...
    • ...and largely controlled by captive or joint venture underwriters owned by the leading banks
    • Credit Life International has secured partnerships with two significant mortgage lending institutions
  • Creditor insurance linked to consumer finance
    • The proportion of lending institutions with an arrangement for creditor insurance has fallen back visibly...
    • ...mainly as a result of regulatory changes that came into force in 2013
  • Creditor insurance linked to credit cards
    • Only two underwriters are active in the small market for credit card payment protection insurance
  • Creditor insurance risk coverage
    • A number of lending institutions no longer offer cover for temporary incapacity and unemployment
  • Alternative distribution channels
    • The Nationale Hypotheek Garantie is important in the context of mortgage-related insurance
    • Mortgage and insurance brokers comprise another significant independent distribution channel...
    • ... for 'housing protection' policies ('woonlasten beschermer') as well as conventional cover
  • Creditor insurance market size, growth and forecast
    • Mortgage-related policies account for the vast majority of the market value
    • ... and will continue to do so given the poor outlook for other policy types
    • Regulatory intervention by the Autoriteit Financiële Markten has had a substantial effect on the market...
    • ... with a decree issued in 2013 causing three main areas of impact

13.0 NORWAY

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Three or arguably four of the ten lending institutions are owned by foreign parents
    • Consolidation has been more evident among small and medium-sized entities...
    • ... most recently in the shape of the merger of Sparebanken Pluss and Sparebanken Sφr
    • Two savings banks groups play an important role in Norway's retail banking sector
    • The country's robust economy has protected its banks from troubles experienced elsewhere
  • Consumer lending market size and growth
  • Mortgage lending
    • Norway's large mortgage market grew by 2.2% per annum in real terms between 2009 and 2013...
  • Non-mortgage lending
    • ... with the value of total non-mortgage consumer lending having also picked up since a fall in 2011
  • Credit and other pay later cards
    • The number of credit cards in circulation approached 6 million for the first time in 2013
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • All but three mortgage lenders are also active in mortgage-related creditor insurance
    • Captive underwriters hold a prominent position in this arena
    • Frende Forsikring maintains relationships with multiple savings banks...
    • ... although some savings banks utilise alternative providers
  • Creditor insurance linked to consumer finance
    • Over 80% of institutions offering consumer finance also offer a related creditor insurance policy
    • Genworth Financial is in possession of at least ten deals, boosting its weighted share of partnerships
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is marketed by around one half of card issuers in Norway
  • ... with eight underwriters identifiable at the time of the research
  • Creditor insurance risk coverage
    • Policies cross-sold with mortgages are least likely to cover temporary incapacity or unemployment
  • Alternative distribution channels
  • Creditor insurance market size, growth and forecast
    • Strong lending growth means that creditor insurance is also likely to be advancing at a healthy rate...
    • ... a trend that should carry on up to 2017

14.0 POLAND

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Seven of the top ten banking institutions by retail customers are owned by foreign parents
    • The Polish government has significantly decreased its stake in PKO Bank Polski
    • The banking market stands out as the largest and most rapidly growing in Central and Eastern Europe...
    • .. and has been characterised by significant merger and acquisition activity in recent years
  • Consumer lending market size and growth
  • Mortgage lending
    • Polish home loans grew at a nominal compound annual rate of 11.6% between 2009 and 2013
  • Non-mortgage lending
    • The value of total non-mortgage consumer lending fallen back slightly in recent years
  • Credit and other pay later cards
    • The number of credit cards in circulation has declined rapidly in recent years for two main reasons
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • A wide range of operating models is used to source mortgage-related creditor insurance in Poland
    • The distribution partnerships of Europa make it the most prominent provider in this sector...
    • ... with PZU and ERGO Hestia ranked second and third respectively
    • Six captive underwriters are active in this market
  • Creditor insurance linked to consumer finance
    • Virtually all providers of consumer finance offer a related creditor insurance policy
  • ERGO Hestia, Europa and Cardif are likely to be market leaders in this arena...
    • ... although there are more than 30 underwriters active in it overall
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is commonly marketed by card issuers in Poland
    • ERGO Hestia again claims the highest weighted share of partnerships in this field...
    • ... with most other partnerships replicating those already observed for consumer finance
  • Creditor insurance risk coverage
    • In all segments, well over a half of policies analysed also cover temporary incapacity and unemployment
  • Alternative distribution channels
    • Some insurance companies (and agents) promote creditor insurance directly to their customers
  • Creditor insurance market size, growth and forecast
    • The market is growing, especially in the mortgage and point-of-sale automotive finance segments...
    • ... although credit card payment protection insurance is likely to be stagnant
    • In December 2013, the KFN published several recommendations regarding creditor insurance...
    • ... which could have a significant impact on the future size and structure of this market

15.0 PORTUGAL

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Banking sector consolidation has tended to focus on small and medium-sized entities
  • Consumer lending market size and growth
  • Mortgage lending
    • Mortgage balances outstanding have been drifting back since reaching a peak in 2010...
  • Non-mortgage lending
    • ...and non-mortgage consumer lending has retreated even more quickly in recent years
  • Credit and other pay later cards
    • The number of credit cards in circulation decreased slightly in both 2012 and 2013
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • Captive underwriters are used most frequently for mortgage-related creditor insurance...
    • ... although the major competitor of this type may not remain a captive for much longer
    • Ocidental Seguros is one of two underwriters still classifiable as a joint venture...
    • ... as a consequence of Crédit Agricole's sale of its stake in BES Vida
    • ... the other being that of Barclays and CNP Assurances, which is also active in Spain
    • Allianz is the most prominent external underwriter in this field by weighted partnership share
  • Creditor insurance linked to consumer finance
    • Many partnerships for this form of creditor insurance are the same as those for mortgage-related policies
    • ... although there are also many distribution relationships specific to consumer finance products
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is quite commonly marketed by card issuers in Portugal
    • BES Vida claims the highest weighted share of partnerships in this field...
    • ... which is also characterised by regular use of captive underwrtiers
    • As well as its captive relationship, Eurovida is also utilised by three unrelated card issuers
  • Creditor insurance risk coverage
    • The vast majority of policies include the option to cover temporary incapacity and unemployment
  • Alternative distribution channels
    • Creditor insurance is also available from other sources apart from lending institutions...
    • ... including several major insurance companies and a handful of brokers
  • Creditor insurance market size, growth and forecast
    • The creditor insurance market is contracting and is likely to continue falling in value
    • ...with mortgage-related policies performing better than other types of creditor insurance

16.0 ROMANIA

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Foreign banking groups play an important role in the Romanian banking sector...
    • ...and in recent years the market has seen a fair amount of consolidation
  • Consumer lending market size and growth
  • Mortgage lending
    • Mortgage balances increased at a nominal compound annual rate of 13.9% between 2009 and 2013...
  • Non-mortgage lending
    • ...but the value of total non-mortgage consumer lending has fallen back rapidly in recent years
  • Credit and other pay later cards
    • Expansion in the number of credit cards in circulation has been moderate
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • The vast majority of mortgage lenders in Romania offer related creditor insurance...
    • ... with Groupama having established a total of five partnerships in this arena...
    • Second-ranked BCR Asigurari benefits from a multi-country strategic partnership set up by its parent
    • BRD Asigurari de Viata is the most prominent captive provider in mortgage-related creditor insurance...
    • ... although there are plenty of others competing for business...
    • ... and also a significant number of non-captive providers, some with multiple partnerships
  • Creditor insurance linked to consumer finance
    • 35 providers of consumer finance have clear arrangements in place for associated creditor insurance
    • Many partnerships in this sphere are identical to those for mortgage-related creditor insurance
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is often not marketed by card issuers in Romania...
    • ... albeit BRD Asigurari de Viata leads the market in terms of weighted partnership shares
  • Creditor insurance risk coverage
    • A substantial proportion of creditor insurance propositions have yet to incorporate unemployment cover
  • Alternative distribution channels
    • Groupama is an exception to the rule by promoting creditor insurance directly to its customers
  • Creditor insurance market size, growth and forecast
    • Mortgage-related creditor insurance has been the engine of growth for the total market...
    • ... and is expected to continue to be so in the coming years

17.0 RUSSIA

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Banks owned ultimately by the state continue to exert a strong influence on Russia's banking sector...
    • ... with several foreign banks having decided to exit the market
    • Russia's banking sector has changed very significantly in recent years...
    • ... with a new wave of merger and acquisition activity in evidence since 2008...
    • ... and with further changes in the market structure likely to occur
    • In spite of its problems, there is plenty of scope for the Russian retail banking market to grow
  • Consumer lending market size and growth
  • Mortgage lending
    • Russian home loans grew at a nominal compound annual rate of 23.7% between 2009 and 2013
  • Non-mortgage lending
    • The value of total non-mortgage consumer lending has expended rapidly in recent years
  • Credit and other pay later cards
    • The number of credit cards in circulation has grown rapidly in recent years
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • A wide range of operating models is used to source mortgage-related creditor insurance in Russia
    • Rosgosstrakh, VSK, Allianz, Cardif and Sberbank Insurance are identifiable as market leaders...
    • ...with VTB Insurance and AlfaStrakhovanie featuring as prominent captive underwriter
    • A number of banking institutions, including Probisenes Bank, work with a single underwriter...
    • ... with a larger number opting for a hybrid operating model including both captive and non-captive insurers
    • Typically, mortgage-related insurance in Russia is configured differently to other European countries...
    • ... with mandatory mortgage insurance complemented increasingly by voluntary creditor insurance
  • Creditor insurance linked to consumer finance
    • Around three quarters of loan lending organisations offer related creditor insurance
  • Allianz has established a number of valuable ties in this field
    • ...and Russian Standard Insurance benefits mainly from its captive tie
    • This market features a relatively high number of captive providers
    • CiV Life and ERGO Life benefit from strategic partnerships
    • One quarter of entities offering consumer finance have no program for related creditor insurance
  • Creditor insurance linked to credit cards
    • Around one half of credit card issuers have developed an associated creditor insurance scheme
    • AlfaStrakhovanie claims the highest weighted share of partnerships in this field...
    • ...and Cardif has distribution ties with two of Russia's major banks
  • Creditor insurance risk coverage
    • Cover for temporary incapacity and unemployment is most commonly available to credit card customers
  • Alternative distribution channels
    • All larger insurance companies promote forms of creditor insurance directly to their customers
  • Creditor insurance market size, growth and forecast
    • The market is going to grow at a rapid between 2013 and 2017
    • ... although due the macro-economic environment less rapidly than in recent years
    • Statistics exist to help quantify the market for creditor insurance in Russia

18.0 SPAIN

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • The Spanish banking sector has seen a raft of mergers amid general economic uncertainty...
    • ...and the ongoing restructuring process has seen the creation of several new holding companies
    • Further consolidation in the banking sector seems likely
  • Consumer lending market size and growth
  • Mortgage lending
    • Mortgage balances declined at a nominal compound annual rate of 3.3% between 2009 and 2013...
  • Non-mortgage lending
    • ...and the value of total non-mortgage consumer lending has fallen back even faster in recent years
  • Credit and other pay later cards
    • The contraction in the number of credit cards in circulation has been less precipitous
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • Virtually all mortgage lenders offer related creditor insurance
    • Apart from MAPFRE and Caser this arena is dominated by captive and joint venture providers...
    • ...with six of the top eight providers owned or co-owned by banking groups
    • 13 mortgage lenders in Spain use a hybrid operating model for this type of creditor insurance...
    • ... as a result of the fact that it combines both life and non-life elements
  • Creditor insurance linked to consumer finance
    • Providers of non-mortgage credit are also enthusiastic distributors of related creditor insurance
    • Many partnerships in this sphere are identical to those for mortgage-related creditor insurance...
    • ...although the large number of specialist consumer credit providers results in a more diverse market
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is less commonly marketed by card issuers in Spain...
    • ... with just a baker's dozen active at the time of the research
  • Creditor insurance risk coverage
    • More than a half of policies include an option to cover temporary incapacity and unemployment
  • Alternative distribution channels
    • Several major insurers offer mortgage-related creditor insurance direct to consumers...
    • ... although the online visibility of brokers is low in this field
  • Creditor insurance market size, growth and forecast
    • The market has fallen in value in recent years as a consequence of several factors...
    • ... and is forecast to decline further up to 2017

19.0 SWEDEN

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • Eight of the largest ten retail banking institutions are indigenous to Sweden
    • Consolidation has concentrated on smaller institutions in recent years
    • Swedbank co-operates closely with the majority of local savings banks
  • Consumer lending market size and growth
  • Mortgage lending
    • Mortgage balances outstanding were some 26% higher by the end of 2013 than they were in 2009...
  • Non-mortgage lending
    • ...and the value of total non-mortgage consumer lending has also advanced quite substantially
  • Credit and other pay later cards
    • The number of credit cards in circulation has contracted slightly in recent years
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • Captive underwriters owned by the largest banks are quite prominent in this field...
    • ...albeit Genworth Financial has established a number of significant relationships
  • Creditor insurance linked to consumer finance
    • Genworth Financial and Cardif Nordic are the leading insurance providers in this segment
    • The payment protection policies of Swedbank and related savings banks are limited to 'member loans'
    • Several other captive and non-captive providers are also in evidence in this field
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is fairly commonly marketed by card issuers in Sweden...
    • ...with seven underwriters identifiable at the time of the research
  • Creditor insurance risk coverage
    • Policies sold to mortgage borrowers are least likely to cover temporary incapacity and unemployment
  • Alternative distribution channels
    • Borrowers can also acquire payment protection cover from a number of loan brokers...
    • ... but cover is not marketed directly by insurers
  • Creditor insurance market size, growth and forecast
    • Fairly strong lending market growth is likely to have propelled the creditor insurance market forward
    • ... with further growth predicted up to 2017

20.0 SWITZERLAND

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • By number of retail customers, the Raiffeisen grouping and Postfinance are ranked first...
    • ... albeit Credit Suisse and UBS account for over 50% of Swiss banking assets
    • Perceived as ‘safe havens', the cantonal banks have increased their market share in recent years
    • Many of Switzerland's savings banks belong to the Clientis grouping
    • Postfinance is allowed to operate without a regular banking license
    • GE Money Bank re-branded as Cembra Money Bank in October 2013
  • Consumer lending market size and growth
  • Mortgage lending
    • Mortgage balances increased at a real compound annual rate of 4.3% between 2009 and 2013...
  • Non-mortgage lending
    • ...but the value of total non-mortgage consumer lending has trickled back since 2011
  • Credit and other pay later cards
    • The number of credit cards in circulation exceeded 6 million for the first time in 2013
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • Partnerships with single external underwriters are most commonly apparent in this market
    • Schweizerische Mobilar benefits from numerous partnerships with cantonal banks
    • Helvetia renewed its long-standing bancassurance agreement with Raiffeisen in 2009
    • AXA Winterthur maintains an important partnership in this arena with Postfinance
    • Swiss Life and Zurich are also active by means of major bancassurance relationships...
    • ... as are Cardif and Nationale Suisse
  • Creditor insurance linked to consumer finance
    • Most providers of consumer finance offer related creditor insurance
    • Through cashgate, Cardif is used by a number of significant Swiss banks
    • Eight other non-captive underwriters are active in this segment...
    • ... with one relationship formerly classifiable as a captive deal having since changed
  • Creditor insurance linked to credit cards
    • Credit card payment protection insurance is marketed by only a handful of Swiss card issuers
  • Creditor insurance risk coverage
    • Mortgage-related products are commonly configured as relatively straightforward life insurance policies
  • Alternative distribution channels
    • Several online credit brokers in Switzerland offer creditor insurance
  • Creditor insurance market size, growth and forecast
    • Mortgage-related policies account for the more than 80% of the total market value...
    • ... although they are likely to be outpaced by card-related policies up to 2017

21.0 TURKEY

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • The five largest banking networks by number of retail customers still have Turkish owners...
    • ... although foreign competitors have entered the market, usually through acquisitions
    • These include Burgan Bank, Commercial Bank of Qatar and Sberbank
  • Consumer lending market size and growth
  • Mortgage lending
    • Mortgage balances increased at a real compound annual rate of 17% between 2009 and 2013...
  • Non-mortgage lending
    • ...and the value of total non-mortgage consumer lending has grown even faster...
    • ...although the market is likely to slow down significantly for two main reasons
  • Credit and other pay later cards
    • The rapid advance in the number of credit cards in circulation has continued
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • Virtually all mortgage lenders in Turkey offer related creditor insurance
    • Four of the leading five underwriters are classifiable as captives
    • In recent years, both Ageas and Cigna have taken sizeable equity stakes in Turkish insurers...
    • ... and Allianz acquired Yapi Kredit Sigorta in July 2013
    • As well as Allianz, other non-captive competitors include AIG, AXA, ERGO, Groupama, Isik and MetLife
  • Creditor insurance linked to consumer finance
    • Providers of non-mortgage credit are also enthusiastic distributors of related creditor insurance
    • Captive and joint venture underwriters affiliated with Turkey's large banks dominate this segment
    • Several partnerships in this field differ to those observed for mortgage-related creditor insurance
  • Creditor insurance linked to credit cards
    • Over a half of credit card issuers have a scheme for credit card payment protection insurance...
    • ... with ten underwriters active in this field
  • Creditor insurance risk coverage
    • Most creditor insurance policies in Turkey cover all four core risks
  • Alternative distribution channels
  • Creditor insurance market size, growth and forecast
    • The market is likely to have grown rapidly in value in recent years...
    • ... and its value is quite evenly split between life and non-life elements
    • However, change may be occasioned by a consumer protection law introduced in May 2014

22.0 UK

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • The UK retail banking sector has seen significant changes in recent years...
    • ...affecting major players such as RBS and Lloyds Banking Group...
    • ...plus the Co-operative Bank...
    • ... and a number of small and medium-sized building societies
  • Consumer lending market size and growth
  • Mortgage lending
    • Mortgage balances outstanding edged up in nominal terms between 2009 and 2013...
  • Non-mortgage lending
    • ...but the value of total non-mortgage consumer lending has fallen back quite substantially
  • Credit and other pay later cards
    • Following a contraction, the number of credit cards in circulation has started to rise again since 2011
  • Creditor insurance provision rates, operating models and partnerships
  • Creditor insurance linked to mortgages
    • The majority of significant mortgage lenders in the UK offer related creditor insurance
    • Legal & General is ranked first by weighted share of partnerships...
    • ...followed by Aviva, which benefits from three key distribution partnerships
    • Scottish Widows and HSBC Life are the only two captive underwriters in this arena
    • CUNA Mutual, Friends Life, LV=, and Standard Life are also visible as insurers in this field
    • Seven mortgage lenders employ captive or external financial advisers for mortgage term life insurance...
    • ... but 25 have no arrangement at all for mortgage-related creditor insurance
  • Creditor insurance linked to consumer finance and credit cards
  • Creditor insurance risk coverage
    • All policies offer the potential for covering death and permanent disability...
    • ...with temporary incapacity and unemployment increasingly covered via separate policies
  • Alternative distribution channels
    • Three major life insurers offer mortgage-related creditor insurance directly to consumers...
    • ...and mortgage brokers and financial advisers are major distributors of mortgage term life insurance...
    • ... while online aggregators and brokers sell ‘accident, sickness and unemployment' cover
    • Any borrowers looking for 'traditional' payment protection cover must buy from specialised intermediaries
    • Consumer research shows that most mortgage life insurance is not bought from the lenders themselves
  • Creditor insurance market size, growth and forecast
    • The market is now almost entirely composed of mortgage-related life insurance...
    • ... a sector whose value is predicted to expand between 2013 and 2017
    • Citizens Advice filed its original ‘super-complaint' as long ago as September 2005...
    • ... on the basis of at least five concerns
    • Lending institutions began to withdraw from the payment protection market from 2007 onwards
    • ... and have already paid refunds and compensation to customers in the region of GBP 14 billion

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • Banks and other lending institutions in France contacted by Finaccord, segmented by country and type

2.0 EUROPEAN OVERVIEW

  • Total consumer lending balances outstanding in Europe, segmented by country, 2013 (EUR billion)
  • Total consumer lending balances outstanding Europe, segmented by country, 2009 to 2013
  • Total consumer lending balances outstanding in Europe, segmented by country, 2009 to 2013 (data)
  • Residential mortgage balances outstanding in Europe, segmented by country, 2013 (EUR billion)
  • Residential mortgage balances outstanding in Europe, segmented by country, 2009 to 2013
  • Residential mortgage balances outstanding in Europe, segmented by country, 2009 to 2013 (data)
  • Consumer non-mortgage balances outstanding in Europe, segmented by country, 2013 (EUR billion)
  • Consumer non-mortgage balances outstanding in Europe, segmented by country, 2009 to 2013
  • Consumer non-mortgage balances outstanding Europe, segmented by country, 2009 to 2013 (data)
  • Total consumer lending balances outstanding per capita in Europe, segmented by country, 2013 (EUR)
  • Total consumer lending balances outstanding per capita in Europe, segmented by country, 2009 to 2013 (data)
  • Residential mortgage lending balances outstanding per capita in Europe, segmented by country, 2013 (EUR)
  • Residential mortgage lending balances outstanding per capita in Europe, segmented by country, 2009 to 2013 (data)
  • Consumer non-mortgage lending balances outstanding per capita in Europe, segmented by country, 2013 (EUR)
  • Consumer non-mortgage lending balances outstanding per capita in Europe, segmented by country, 2009 to 2013 (data)
  • Consumer non-mortgage balances outstanding as % of total consumer lending balances outstanding in Europe, segmented by country, 2013
  • Consumer non-mortgage balances outstanding as % of total consumer lending balances outstanding in Europe, segmented by country, 2009 to 2013 (data)
  • Total number of credit and other pay later cards issued in Europe, segmented by country, 2013 (million)(EUR billion)
  • Total number of credit and other pay later cards issued in Europe, segmented by country, 2009 to 2013
  • Total number of credit and other pay later cards issued in Europe, segmented by country, 2009 to 2013 (data)
  • Total number of credit and other pay later cards issued per capita in Europe, segmented by country, 2009 to 2013
  • Total number of credit and other pay later cards issued per capita in Europe, segmented by country, 2009 to 2013 (data)
  • Provision rates for creditor insurance linked to mortgages in Europe, segmented by country, 2014
  • Operating models (unweighted) used for creditor insurance linked to mortgages in Europe, segmented by country, 2014
  • Operating models (unweighted) used for creditor insurance linked to mortgages in Europe, segmented by country, 2014 (data)
  • Operating models (weighted) used for creditor insurance linked to mortgages in Europe, segmented by country, 2014
  • Operating models (weighted) used for creditor insurance linked to mortgages in Europe, segmented by country, 2014 (data)
  • Weighted group share of bancassurance partnerships for creditor insurance linked to mortgages, re-weighted by country market size, in Europe, 2014
  • Provision rates for creditor insurance linked to consumer finance in Europe, segmented by country, 2014
  • Operating models (unweighted) used for creditor insurance linked to consumer finance in Europe, segmented by country, 2014
  • Operating models (unweighted) used for creditor insurance linked to consumer finance in Europe, segmented by country, 2014 (data)
  • Operating models (weighted) used for creditor insurance linked to consumer finance in Europe, segmented by country, 2014
  • Operating models (weighted) used for creditor insurance linked to consumer finance in Europe, segmented by country, 2014 (data)
  • Weighted group share of bancassurance partnerships for creditor insurance linked to consumer finance, re-weighted by country market size, in Europe, 2014
  • Provision rates for creditor insurance linked to credit cards in Europe, segmented by country, 2014
  • Operating models (unweighted) used for creditor insurance linked to credit cards in Europe, segmented by country, 2014
  • Operating models (unweighted) used for creditor insurance linked to credit cards in Europe, segmented by country, 2014 (data)
  • Operating models (weighted) used for creditor insurance linked to credit cards in Europe, segmented by country, 2014
  • Operating models (weighted) used for creditor insurance linked to credit cards Europe, segmented by country, 2014 (data)
  • Weighted group share of bancassurance partnerships for creditor insurance linked to credit cards, re-weighted by country market size, in Europe, 2014
  • Gross written premiums for total creditor insurance in Europe, segmented by country, 2009, 2013 and 2017 (forecast)
  • Gross written premiums for total creditor insurance in Europe, segmented by country, 2009, 2013 and 2017 (forecast) (data)
  • Gross written premiums for the death / permanent disability elements of creditor insurance in Europe, segmented by country, 2009, 2013 and 2017 (forecast)
  • Gross written premiums for the death / permanent disability elements of creditor insurance in Europe, segmented by country, 2009, 2013 and 2017 (forecast) (data)
  • Gross written premiums for the temporary incapacity / unemployment elements of creditor insurance in Europe, segmented by country, 2009, 2013 and 2017 (forecast)
  • Gross written premiums for the temporary incapacity / unemployment elements of creditor insurance in Europe, segmented by country, 2009, 2013 and 2017 (forecast) (data)
  • Gross written premiums for creditor insurance related to mortgages in Europe, segmented by country, 2009, 2013 and 2017 (forecast)
  • Gross written premiums for creditor insurance related to mortgages in Europe, segmented by country, 2009, 2013 and 2017 (forecast) (data)
  • Gross written premiums for creditor insurance related to mortgages as a percentage of residential mortgage lending balances in Europe, segmented by country, 2013
  • Gross written premiums for creditor insurance related to point-of-sale automotive finance in Europe, segmented by country, 2009, 2013 and 2017 (forecast)
  • Gross written premiums for creditor insurance related to point-of-sale automotive finance in Europe, segmented by country, 2009, 2013 and 2017
  • Gross written premiums for creditor insurance related to other consumer finance in Europe, segmented by country, 2009, 2013 and 2017 (forecast)
  • Gross written premiums for creditor insurance related to other consumer finance in Europe, segmented by country, 2009, 2013 and 2017 (forecast) (data)
  • Gross written premiums for creditor insurance related to total consumer finance as a percentage of consumer non-mortgage lending balances in Europe, 2013
  • Gross written premiums for creditor insurance related to credit cards in Europe, segmented by country, 2009, 2013 and 2017 (forecast)
  • Gross written premiums for creditor insurance related to credit cards in Europe, segmented by country, 2009, 2013 and 2017 (forecast) (data)
  • Gross written premiums for creditor insurance related to credit cards per credit card issued in Europe, 2013

3.0 AUSTRIA

  • Residential mortgage lending balances outstanding in Austria (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Austria (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Austria, 2009 to 2013
  • Key data points for the consumer lending market in Austria, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Austria, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Austria, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Austria, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Austria, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Austria, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Austria, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Austria, segmented by policy and cover type, 2009, 2013 and 2017

4.0 BELGIUM

  • Residential mortgage lending balances outstanding in Belgium (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Belgium (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Belgium, 2009 to 2013
  • Key data points for the consumer lending market in Belgium, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Belgium, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Belgium, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Belgium, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Belgium, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Belgium, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Belgium, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Belgium, segmented by policy and cover type, 2009, 2013 and 2017

5.0 CZECH REPUBLIC

  • Residential mortgage lending balances outstanding in the Czech Republic (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in the Czech Republic (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in the Czech Republic, 2009 to 2013
  • Key data points for the consumer lending market in the Czech Republic, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in the Czech Republic, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in the Czech Republic, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in the Czech Republic, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in the Czech Republic, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in the Czech Republic, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in the Czech Republic, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in the Czech Republic, segmented by policy and cover type, 2009, 2013 and 2017

6.0 DENMARK

  • Residential mortgage lending balances outstanding in Denmark (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Denmark (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Denmark, 2009 to 2013
  • Key data points for the consumer lending market in Denmark, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Denmark, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Denmark, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Denmark, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Denmark, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Denmark, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Denmark, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Denmark, segmented by policy and cover type, 2009, 2013 and 2017

7.0 FRANCE

  • Residential mortgage lending balances outstanding in France (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in France (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in France, 2009 to 2013
  • Key data points for the consumer lending market in France, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in France, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in France, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in France, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in France, segmented by type of underlying product, 2014
  • Premiums written in total creditor insurance by key bancassurance underwriters in France, 2012
  • Creditor insurance gross written premiums in France, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in France, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in France, segmented by policy and cover type, 2009, 2013 and 2017

8.0 GERMANY

  • Residential mortgage lending balances outstanding in Germany (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Germany (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Germany, 2009 to 2013
  • Key data points for the consumer lending market in Germany, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Germany, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Germany, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Germany, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Germany, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Germany, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Germany, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Germany, segmented by policy and cover type, 2009, 2013 and 2017

9.0 GREECE

  • Residential mortgage lending balances outstanding in Greece (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Greece (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Greece, 2009 to 2013
  • Key data points for the consumer lending market in Greece, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Greece, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Greece, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Greece, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Greece, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Greece, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Greece, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Greece, segmented by policy and cover type, 2009, 2013 and 2017

10.0 HUNGARY

  • Residential mortgage lending balances outstanding in Hungary (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Hungary (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Hungary, 2009 to 2013
  • Key data points for the consumer lending market in Hungary, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Hungary, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Hungary, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Hungary, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Hungary, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Hungary, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Hungary, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Hungary, segmented by policy and cover type, 2009, 2013 and 2017

11.0 ITALY

  • Residential mortgage lending balances outstanding in Italy (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Italy (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Italy, 2009 to 2013
  • Key data points for the consumer lending market in Italy, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Italy, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Italy, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Italy, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Italy, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Italy, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Italy, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Italy, segmented by policy and cover type, 2009, 2013 and 2017

12.0 NETHERLANDS

  • Residential mortgage lending balances outstanding in the Netherlands (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in the Netherlands (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in the Netherlands, 2009 to 2013
  • Key data points for the consumer lending market in the Netherlands, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in the Netherlands, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in the Netherlands, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in the Netherlands, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in the Netherlands, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in the Netherlands, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in the Netherlands, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in the Netherlands, segmented by policy and cover type, 2009, 2013 and 2017

13.0 NORWAY

  • Residential mortgage lending balances outstanding in Norway (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Norway (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Norway, 2009 to 2013
  • Key data points for the consumer lending market in Norway, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Norway, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Norway, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Norway, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Norway, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Norway, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Norway, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Norway, segmented by policy and cover type, 2009, 2013 and 2017

14.0 POLAND

  • Residential mortgage lending balances outstanding in Poland (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Poland (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Poland, 2009 to 2013
  • Key data points for the consumer lending market in Poland, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Poland, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Poland, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Poland, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Poland, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Poland, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Poland, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Poland, segmented by policy and cover type, 2009, 2013 and 2017

15.0 PORTUGAL

  • Residential mortgage lending balances outstanding in Portugal (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Portugal (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Portugal, 2009 to 2013
  • Key data points for the consumer lending market in Portugal, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Portugal, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Portugal, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Portugal, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Portugal, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Portugal, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Portugal, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Portugal, segmented by policy and cover type, 2009, 2013 and 2017

16.0 ROMANIA

  • Residential mortgage lending balances outstanding in Romania (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Romania (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Romania, 2009 to 2013
  • Key data points for the consumer lending market in Romania, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Romania, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Romania, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Romania, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Romania, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Romania, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Romania, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Romania, segmented by policy and cover type, 2009, 2013 and 2017

17.0 RUSSIA

  • Residential mortgage lending balances outstanding in Russia (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Russia (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Russia, 2009 to 2013
  • Key data points for the consumer lending market in Russia, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Russia, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Russia, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Russia, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Russia, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Russia, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Russia, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Russia, segmented by policy and cover type, 2009, 2013 and 2017

18.0 SPAIN

  • Residential mortgage lending balances outstanding in Spain (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Spain (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Spain, 2009 to 2013
  • Key data points for the consumer lending market in Spain, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Spain, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Spain, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Spain, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Spain, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Spain, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Spain, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Spain, segmented by policy and cover type, 2009, 2013 and 2017

19.0 SWEDEN

  • Residential mortgage lending balances outstanding in Sweden (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Sweden (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Sweden, 2009 to 2013
  • Key data points for the consumer lending market in Sweden, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Sweden, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Sweden, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Sweden, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Sweden, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Sweden, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Sweden, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Sweden, segmented by policy and cover type, 2009, 2013 and 2017

20.0 SWITZERLAND

  • Residential mortgage lending balances outstanding in Switzerland (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Switzerland (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Switzerland, 2009 to 2013
  • Key data points for the consumer lending market in Switzerland, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Switzerland, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Switzerland, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Switzerland, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Switzerland, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Switzerland, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Switzerland, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Switzerland, segmented by policy and cover type, 2009, 2013 and 2017

21.0 TURKEY

  • Residential mortgage lending balances outstanding in Turkey (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Turkey (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in Turkey, 2009 to 2013
  • Key data points for the consumer lending market in Turkey, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in Turkey, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Turkey, 2014: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Turkey, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Turkey, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in Turkey, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Turkey, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in Turkey, segmented by policy and cover type, 2009, 2013 and 2017

22.0 UK

  • Residential mortgage lending balances outstanding in the UK (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in the UK (absolute and per capita), 2009 to 2013
  • Credit and other pay later cards issued and per capita in the UK, 2009 to 2013
  • Key data points for the consumer lending market in the UK, 2009 to 2013
  • Provision of creditor insurance linked to mortgages in the UK, 2014: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in the UK, segmented by type of underlying product, 2014
  • Creditor insurance gross written premiums in the UK, segmented by policy type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in the UK, segmented by cover type, 2009, 2013 and 2017
  • Creditor insurance gross written premiums in the UK, segmented by policy and cover type, 2009, 2013 and 2017
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