Cover Image
市場調查報告書

撒哈拉以南非洲地區的銀行保險的現狀與未來展望

Bancassurance in Sub-Saharan Africa: Current State and Future Perspectives to 2020

出版商 Finaccord Ltd. 商品編碼 315591
出版日期 內容資訊 英文 297 Pages
商品交期: 最快1-2個工作天內
價格
Back to Top
撒哈拉以南非洲地區的銀行保險的現狀與未來展望 Bancassurance in Sub-Saharan Africa: Current State and Future Perspectives to 2020
出版日期: 2014年09月01日 內容資訊: 英文 297 Pages
簡介

本報告提供撒哈拉以南非洲地區十國的銀行保險的相關調查、全部區域及各國經濟環境、金融保險部門結構、發展狀況、銀行保險相關的法律制度、作為通路的銀行保險的重要性、主線的商品和運用模式、未來展望等彙整資料。

摘要整理

第1章 簡介

第2章 地區概要

  • 簡介
  • 宏觀經濟背景
    • GDP和PPP
    • 人口、年齡結構、都市化等級
    • 政治風險
    • 其他指標
  • 關於銀行部門
    • 銀行部門的發展情形
    • 非洲整個地區的銀行集團
    • 消費者金融
    • 關於保險部門
    • 未來展望
  • 銀行保險市場
    • 法律制度
    • 主要10行的商品與運用模式
    • 銀行流通的市場佔有率

第3-12章 各國市場

  • 安哥拉
  • 象牙海岸共和國
  • 迦納
  • 肯亞
  • 莫三比克
  • 奈及利亞
  • 南非
  • 坦尚尼亞
  • 烏干達
  • 尚比亞
    • 宏觀經濟背景
      • GDP和PPP
      • 整體人口、年齡結構、都市化層級
      • 政治風險
      • 其他指標
    • 關於銀行部門
      • 銀行部門結構
      • 銀行部門的發展
      • 消費者金融
    • 關於保險部門
    • 銀行保險市場
      • 法律制度
      • 作為通路的銀行保險的重要性
      • 主要10行的商品與運用模式
    • 未來展望
目錄

Finaccord's report titled ‘Bancassurance in Sub-Saharan Africa: Current State and Future Perspectives to 2020’, plus the PartnerBASE™ and market data file that accompany it, provides comprehensive and detailed insights into the prospects for bancassurance in ten African countries namely Angola, Côte d'Ivoire, Ghana, Kenya, Mozambique, Nigeria, South Africa, Tanzania, Uganda and Zambia.

In addition to offering a review of key macro-economic metrics for these ten countries, the research also provides a background to the banking sector through the following information: identification of the ten largest banks in each country by number of retail banking customers; data to illustrate the development of the banking market including number of fully-licensed banks, deposit accounts, branches and ATMs and how each of these have developed since 2005; and review of the value and growth of the consumer mortgage and non-mortgage lending markets.

The research then focuses specifically on bancassurance with commentary in several areas: the regulatory environment and general importance of banks as an insurance distribution channel; the insurance product range, operating models and bancassurance partnerships of the ten leading banks in each country; and future outlook for the value of the life and non-life insurance markets of each country through to 2020.

This research can be used in one or more of the following ways:

  • understand the degree to which leading banks are involved in bancassurance in each country, the policy types that they promote and how they organise these insurance products;
  • assess the approaches of banks that are active across multiple African countries such as Bank of Africa, Barclays, Ecobank, Standard Bank, Standard Chartered, UBA and Zenith Bank;
  • identify insurance providers that are already active in bancassurance in one or more of Angola, Côte d'Ivoire, Ghana, Kenya, Mozambique, Nigeria, South Africa, Tanzania, Uganda and Zambia and the banks with which they collaborate;
  • appreciate the regulatory background to bancassurance in each country and the extent to which banks can expand their distribution share of life and non-life insurance in future;
  • evaluate other factors that determine whether bancassurance is a viable long-term insurance distribution option in each country including trends in life expectancy, population age structure, urbanisation, political stability and regulatory quality.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about
    • The development of the bancassurance channel in sub-Saharan Africa is the focus of this report
  • Rationale
    • Sub-Saharan Africa hosts a number of fast-growing financial services markets...
    • ... with bancassurance poised to grow in several of these
  • Methodology
    • Macro-economics, banking and insurance sectors
    • Survey of banks
  • Market data
  • Definitions
    • Investment-related life insurance
    • Retirement savings
    • Risk life insurance
    • Accident insurance
    • Health / hospital cash plans
    • Medical expenses insurance
    • Personal motor insurance
    • Household insurance
    • Creditor insurance
    • Travel insurance
    • Agricultural insurance
    • Commercial insurance
    • Mortgages and consumer finance
    • Weighted provider share of partnerships
    • Operating models
  • Abbreviations and exchange rates
  • PartnerBASE
  • Finaccord

2.0 REGIONAL OVERVIEW

  • Introduction
  • Macro-economic background
    • Gross domestic product and purchasing power parity (PPP)
      • The South African economy retains a narrow lead over that of Nigeria in terms of GDP...
      • ... although these two countries are likely to have switched places by 2019
      • On a per capita basis, Angola ranks second behind South Africa
    • Total population, age structure and level of urbanisation
      • By 2020, the ten African countries combined will have a larger population than that of the entire EU
      • Population structures in sub-Saharan Africa are invariably weighted heavily towards younger age groups...
      • ...but urbanisation levels differ greatly by country
    • Political risk
      • Political stability remains one of the key challenges for many countries in the region...
      • ... with Zambia the most stable country and Angola the most rapidly improving
    • Other key indicators
      • Life expectancy at birth has increased quite significantly for both men and women in recent years
      • The number of mobile phone subscriptions has increased hugely across the ten countries
  • Introduction to the banking sector
    • Development of the banking sector
      • Between 2005 and 2013, the number of bank branches in the ten countries more than doubled...
      • ...and this rapid development is also reflected in a fast-growing number of deposit accounts
    • Pan-African banking groups
      • A number of banking groups operate across multiple countries in Africa...
      • ... including Barclays, FirstRand, Standard Bank and Standard Chartered...
      • ... plus BancABC, Bank of Africa Group, Ecobank, KCB Group, UBA Group and Zenith Bank
    • Consumer lending
      • On a combined basis, mortgage balances were worth almost USD 92.5 billion in 2013...
      • ... although the vast majority of this was due to one country, namely South Africa
      • In overall terms, non-mortgage consumer credit is growing more rapidly than mortgage lending
    • Introduction to the insurance sector
      • Total insurance premiums were worth more than USD 60 billion across the ten countries in 2013
      • In both nominal and real terms, the Ghanaian market has delivered the most rapid growth
      • Insurance premiums per capita are lowest in Tanzania and Uganda
      • South Africa's life insurance market is more than 80 times larger than its closest rival in Africa...
      • ... although this multiple is much lower for non-life insurance...
      • ... as this branch makes up a majority of the total market value in all countries apart from South Africa
    • Future outlook
      • Across the ten countries, the combined market value will have reached almost USD 100 billion by 2020...
      • ... with the importance of South Africa declining slightly within this total
  • The bancassurance market
    • Regulatory environment
      • Bancassurance receives a 'green light' in six of the ten countries in sub-Saharan Africa...
      • ... and an 'amber light' in three others
      • Only in Uganda are banks prohibited from selling stand-alone insurance policies
    • Product range and operating models of the ten leading banks
      • Across the 100 banks investigated, the vast majority promote insurance in one form or another...
      • ... with the average number of products marketed per bank highest in Kenya and South Africa
      • Insurance products bundled with mortgages and consumer loans are most commonly marketed...
      • ...and funeral expenses and risk life insurance are the most popular stand-alone policy types
      • Bancassurance operating models differ substantially across the ten countries
    • Distribution share of banks
      • The overall distribution share of banks is likely to be highest in South Africa and lowest in Angola...
      • ... which is partly determined by the relative importance of life insurance in the former country
      • Economic development will probably help banks to increase their distribution share in non-life insurance...
      • ... particularly through cross-selling opportunities related to mortgages and automotive finance

3.0 ANGOLA

  • Macro-economic background
    • Gross domestic product and purchasing power parity (PPP)
      • As a major oil producer in Africa, Angola's economy has grown strongly in recent years...
      • ...but poverty and unemployment remain key challenges
    • Total population, age structure and level of urbanisation
      • Angola's population is likely to exceed 25 million by 2020
    • Political risk
      • Angola has made significant improvements particularly in the area of political stability
    • Other key indicators
      • Life expectancy at birth has moved up at a rate below that achieved elsewhere in sub-Saharan Africa
      • Telecoms infrastructure has experienced radical changes in recent years
  • Introduction to the banking sector
    • Structure of the banking sector
      • By the end of 2013, there were 23 fully-licensed banks operating in Angola
      • ... with BPC leading the market in terms of its number of customers...
      • ..and with a number of entities owned by Portugal's large banking groups
    • Development of the banking sector
      • Both the number of branches and number of accounts have risen substantially since 2005
    • Consumer lending
      • Having fallen in value in 2010, mortgage balances have grown rapidly since
      • Non-mortgage consumer lending balances per capita stood at USD 177 as of 2013
  • Introduction to the insurance sector
    • Angola's life insurance market remains at an embryonic stage of development
    • Over a third of the non-life insurance market is composed of accident and health insurance
  • The bancassurance market
    • Regulatory environment
      • There are no particular restrictions in place to stop banks from distributing insurance products...
    • Importance of bancassurance as a distribution channel
      • ... although the potential of bancassurance has yet to be fully realised...
      • ...even if the market entry of BIC Insurance may be something of a game changer
    • Product range, operating models and partnerships of the ten leading banks
      • Banco Sol is unique in offering stand-alone policies as well as bundled cover
      • Nine insurance types achieve some degree of penetration among the leading ten banks in Angola
      • There is a simple dichotomy in the operating models used in this context...
      • ...with the providers ranked second and third both acting as captive underwriters
    • Future outlook
      • The very small life insurance market is set to outgrow its more developed non-life equivalent

4.0 CÔTE D'IVOIRE

  • Macro-economic background
    • Gross domestic product and purchasing power parity (PPP)
      • The outlook for growth in GDP and PPP per capita up to 2020 is very positive
      • ... albeit GDP per capita was lower in 2013 than it had been in 2000
    • Total population, age structure and level of urbanisation
      • Côte d'Ivoire's population grew by around 4 million between 2008 and 2014...
      • ...helping the urbanisation rate to exceed 50% for the first time
    • Political risk
      • Indices of political stability, regulatory quality and rule of law have all improved in recent years
    • Other key indicators
      • Life expectancy at birth is stuck at only 50 years for men and slightly over than for women
      • Mobile phone subscriptions per 100 citizens reached 95.4 in 2013
  • Introduction to the banking sector
    • Structure of the banking sector
      • The retail banking sector is dominated by French banks and state-owned entities...
      • ...with La Caisse d'Épargne ranking first in terms of its number of customers
    • Development of the banking sector
      • The number of bank deposit accounts rose by almost ten-fold between 2005 and 2013
    • Consumer lending
      • Mortgage balances outstanding surged in 2012 and 2013...
      • ... with a similar trajectory visible for non-mortgage consumer lending balances
  • Introduction to the insurance sector
    • The Ivorian insurance market grew at a real compound annual rate of 5.3% between 2009 and 2013...
    • Motor insurance is the largest segment within the country's non-life insurance sector
  • The bancassurance market
    • Regulatory environment
      • There are no specific restrictions for banks to act as distributors for insurance products
    • Importance of bancassurance as a distribution channel
      • Banks already enjoy a very significant distribution share in the life insurance sector...
    • Product range, operating models and partnerships of the ten leading banks
      • ... which is a consequence of the activity in this arena of each of the ten leading institutions
      • The provision of creditor and household insurance policies is particularly widespread...
      • ...and risk life insurance is often promoted in a stand-alone format
      • Most bancassurance partnerships have been forged with a single, external partner...
      • ... with La Loyale the most prominent among these according to Finaccord's analysis...
      • ...albeit Allianz and UA-Vie are also highly visible in this market
      • NSIA and Atlantique Assurance are the only captive underwriters identified
  • Future outlook
    • The value of the Ivorian insurance market is forecast to more than double from 2013 to 2020...
    • ... which should bolster further the prospects for the country's bancassurers

5.0 GHANA

  • Macro-economic background
    • Gross domestic product and purchasing power parity (PPP)
      • PPP per capita has been growing at a rapid and consistent rate, and is forecast to continue doing so...
      • ...even if high inflation and a widening of the budget deficit threaten Ghana's success story
    • Total population, age structure and level of urbanisation
      • Ghana's population is on track to exceed 30 million for the first time by 2020...
      • ...with a steadily rising proportion of its citizens residing in urban areas
    • Political risk
      • Ghana enjoys a relatively stable political environment in comparison to other African countries
    • Other key indicators
      • Life expectancy at birth now exceeds 60 years for both men and women
      • Mobile phone subscriptions per 100 inhabitants reached 108.2 in 2013
  • Introduction to the banking sector
    • Structure of the banking sector
      • Rural banks and micro-finance institutions play an important role in Ghana's banking system
      • GCB Bank lays claims to the largest base of retail banking customers in Ghana...
      • ... with ADB and Ecobank as its main competitors
      • ..and with Barclays Ghana, Stanbic Bank and Standard Chartered as the main non-indigenous rivals
    • Development of the banking sector
      • The country's number of bank branches is likely to exceed 1,000 in the near future
    • Consumer lending
      • Ghana's mortgage lending market is very small and has declined in real terms in recent years...
      • ... which is mainly a consequence of lack of affordability
      • The performance of the non-mortgage consumer lending market has been a lot more encouraging
  • Introduction to the insurance sector
    • Premiums for life insurance have outgrown those for non-life insurance in recent years
    • Close to a half of the non-life insurance market is composed of motor insurance
  • The bancassurance market
    • Regulatory environment
      • Banks need to register as a corporate agent with the insurance regulator in order to promote insurance
    • Importance of bancassurance as a distribution channel
      • Banks have become a fairly important insurance distribution channel in Ghana, especially for life policies...
      • ...with several insurance companies trying to leverage the benefits of the channel
    • Product range, operating models and partnerships of the ten leading banks
      • Nine of the top ten banks offer insurance products among which five promote stand-alone policies
      • Ten types of insurance are available from at least one of the ten banks researched in Ghana...
      • ...with creditor insurance linked to consumer finance and credit cards on offer most frequently
      • Bancassurance operating models are heavily oriented towards use of a single, external underwriter
      • Partnerships are dominated by three underwriters with Enterprise ranked first...
      • ...followed by StarLife and Metropolitan in terms of their weighted share of partnerships
    • Future outlook
      • The value of the Ghanaian insurance market is likely to be more than USD 1 billion by 2020...
      • ... which should be to the benefit of the country's bancassurers

6.0 KENYA

  • Macro-economic background
    • Gross domestic product and purchasing power parity (PPP)
      • Kenya's economy has enjoyed positive progress in recent years
      • ...albeit poverty and a high mortality rate remain key challenges
    • Total population, age structure and level of urbanisation
      • By 2020, there are likely to be well over 50 million people living in Kenya...
      • ... with the vast majority still residing in rural areas
    • Political risk
      • Politically, Kenya has become somewhat less table in recent times...
    • Other key indicators
      • ... albeit life expectancy at birth has improved quite markedly
      • The use of mobile phones to make financial transactions is extremely widespread in Kenya...
      • ...with M-Pesa having been particularly influential in this respect
  • Introduction to the banking sector
    • Structure of the banking sector
      • Indigenous banking organisations enjoy a strong foothold in the Kenyan market...
      • ...with the country's three largest banks originating in Kenya itself
      • Co-operative Bank of Kenya has the most customers followed by Equity Bank Kenya and KCB
    • Development of the banking sector
      • The number of fully-licensed banks changed little between 2005 and 2013...
      • ... but other metrics, such as the number of branches, ATMs and bank deposit accounts, all soared
    • Consumer lending
      • While still small, Kenya's mortgage market grew at a fairly consistent rate from 2009 to 2013...
      • ... even if home ownership is still limited to the highest income groups
      • Non-mortgage lending balances per capita remain higher than mortgage lending balances per capita
  • Introduction to the insurance sector
    • The total insurance market in Kenya more than doubled in value between 2009 and 2013...
    • ... with life insurance slightly out-performing non-life insurance
  • The bancassurance market
    • Regulatory environment
      • Compared to some other sub-Saharan countries, Kenya has a well-defined regulatory framework...
      • ...whereby banks have to set up an insurance agency in order to distribute insurance products
    • Importance of bancassurance as a distribution channel
      • Kenyan banks control a very significant distribution share of the country's life insurance market
    • Product range, operating models and partnerships of the ten leading banks
      • All ten leading banks offer some type of insurance with stand-alone policies available from five of them
      • Four insurance policy types are on offer from each of the leading ten banks
      • Accident and commercial insurance are the most popular stand-alone options
      • Joint ventures constitute the most regularly used bancassurance operating model in Kenya
      • CIC benefits particularly from its partnership with Co-operative Bank of Kenya
      • ...and Britam has established partnerships with three of the top ten banks
      • Fourth-ranked Chase Assurance is the sole captive underwriter
  • Future outlook
    • Relative to 2013, the Kenyan insurance market may have tripled in value by 2020

7.0 MOZAMBIQUE

  • Macro-economic background
    • Gross domestic product and purchasing power parity (PPP)
      • The economy of Mozambique is one of the most dynamic in sub-Saharan Africa...
      • ... although the country remains one of the poorest in the world
    • Total population, age structure and level of urbanisation
      • Mozambique's population is on course to exceed 30 million for the first time by 2020...
      • ... with just over third of inhabitants likely to be living in an urban setting by that time
    • Political risk
      • Recent years have seen an improvement in Mozambique's political stability
    • Other key indicators
      • Life expectancy at birth for men remains stubbornly below 50
      • Mobile phone subscriptions per 100 inhabitants advanced from 7.2 in 2005 to 48.0 in 2013...
      • ... with two important mobile money transfer services having been launched in recent times
  • Introduction to the banking sector
    • Structure of the banking sector
      • Portuguese banks hold majority stakes in the two largest banks in Mozambique...
      • ..with overseas investment also having been made in a number of other leading banks
    • Development of the banking sector
    • There has been strong growth in number of branches, number of ATMs and number of deposit accounts
    • Consumer lending
      • The very small mortgage lending market has grown fitfully in recent years...
      • ... with home loans accessible to only a small proportion of the population
      • Rapid and consistent growth has been achieved in Mozambique's non-mortgage consumer lending market
  • Introduction to the insurance sector
    • Non-life insurance makes up more than 85% of the country's total insurance market...
    • ... with motor insurance the largest single segment within it
  • The bancassurance market
    • Regulatory environment
      • The Insurance Act of 2011 allowed banks to distribute insurance products...
    • Importance of bancassurance as a distribution channel
      • ... which has helped them to build a very solid position in this market
    • Product range, operating models and partnerships of the ten leading banks
      • Each of the top ten banks in Mozambique is involved in bancassurance...
      • ... with two policy types on offer from all ten and two each from eight of the top ten
      • Five of the 15 insurance types researched are not available from any of the top ten banks
      • Captive arrangements play a prominent role in Mozambique's bancassurance market...
      • ...with captive underwriter SIM ranked first by weighted share of partnerships...
      • ... followed by Hollard which enjoys links with as many as five of the leading ten banks
      • Other captive insurance providers include Global Alliance and Tranquilidade
  • Future outlook
    • The value of Mozambique's insurance market may have risen by more than three-fold by 2020

8.0 NIGERIA

  • Macro-economic background
    • Gross domestic product and purchasing power parity (PPP)
      • Nigeria's strong economic growth from 2008 to 2014 is likely to continue up to 2020
      • ... thereby allowing it to overtake South Africa as the continent's largest economy
    • Total population, age structure and level of urbanisation
      • The country's population is likely to increase to more than 200 million by 2020...
      • ...with the percentage of inhabitants living in urban areas rising to well over 50%
    • Political risk
      • Political stability remains a major problem in Nigeria
    • Other key indicators
      • Life expectancy at birth has increased but more slowly than in other countries in sub-Saharan Africa
      • Mobile phone subscriptions per 100 inhabitants reached 73.7 in 2013
  • Introduction to the banking sector
    • Structure of the banking sector
      • The banking sector crisis in 2008 and 2009 caused widespread consolidation among banks...
      • ... which has resulted in a more concentrated but healthier market
      • FirstBank Nigeria ranks first in terms of assets, branches and customers...
      • ... followed by UBA Nigeria and Access Bank...
      • ... with Ecobank Nigeria and Stanbic IBTC the largest non-indigenous competitors
    • Development of the banking sector
      • ATMs and bank accounts have both surged in number in recent years...
      • ... although there is plenty of scope for growth in mobile money transfer services
    • Consumer lending
      • Mortgage balances outstanding declined in real terms between 2009 and 2013...
      • ... which is partly a result of high interest rates and low affordability
      • Non-mortgage consumer lending balances have grown consistently in recent years
  • Introduction to the insurance sector
    • Premiums for life insurance are easily outgrowing those for non-life insurance
    • Energy-related insurance accounts for a substantial proportion of Nigeria's non-life insurance market
  • The bancassurance market
    • Regulatory environment
      • Regulations coming into force in 2011 modified the approach of banks to the insurance sector...
      • ... although banks can still invest indirectly through a group holding company
    • Importance of bancassurance as a distribution channel
      • Banks' involvement in insurance is mainly focused on credit life and mortgage-related fire insurance
    • Product range, operating models and partnerships of the ten leading banks
      • Only three banks distribute stand-alone insurance products but bundled cover is commonly marketed
      • A dozen insurance types are available from at least one of the top ten banks in Nigeria
      • The Nigerian bancassurance market features a wide range of operating models
      • Joint venture underwriter FBN Insurance broadened its product range in early 2014
      • Zenith Insurance is the most prominent captive underwriter in this market
      • Wapic benefits from a distribution relationship with Access Bank, its former parent company
  • Future outlook
    • The Nigerian insurance market is likely to have more than doubled in value by 2020
    • The distribution share of banks is likely to rise from its current fairly low level

9.0 SOUTH AFRICA

  • Macro-economic background
    • Gross domestic product and purchasing power parity (PPP)
      • Various factors have caused a slowdown in the South African economy in recent months
    • Total population, age structure and level of urbanisation
      • South Africa's population is less skewed to younger age groups than others in sub-Saharan Africa
    • Political risk
      • Readings for political stability, regulatory quality and rule of law are comparatively stable
    • Other key indicators
      • Rates of life expectancy are lower than might be expected given the country's relative affluence
      • Mobile subscriptions in South Africa more than doubled between 2005 and 2013
  • Introduction to the banking sector
    • Structure of the banking sector
      • Absa, FNB, Nedbank and Standard Bank make up the country's 'big four' banks
      • ... in a country with relatively few banks given its overall population and wealth
    • Development of the banking sector
      • Most measures are indicative of a fast-growing banking sector in recent years
    • Consumer lending
      • South Africa has the only genuinely developed mortgage market in sub-Saharan Africa
      • In real terms, non-mortgage lending balances have been growing at a compound annual rate of 7.9%
    • Introduction to the insurance sector
      • Life insurance accounts for over 80% of South Africa's total insurance market...
      • ... meaning that premiums per capita are among the highest in the world
  • The bancassurance market
    • Regulatory environment
      • There are no particular restrictions to stop banking organisations from selling insurance products
    • Importance of bancassurance as a distribution channel
      • The distribution share of banks in South Africa is higher than in any other country in sub-Saharan Africa...
    • Product range, operating models and partnerships of the ten leading banks
      • ... with a wide range of policy types on offer from most leading banks...
      • ... including commercial insurance products as well as consumer-oriented policies
      • The majority of bancassurance products are underwritten by captive insurers...
      • ... such as those belonging to Absa, Nedbank and Standard Bank
      • AIG and FNB Life are the most prominent external underwriters in the market
  • Future outlook
    • It is anticipated that premiums for non-life insurance will outgrow those for life insurance up to 2020

10.0 TANZANIA

  • Macro-economic background
    • Gross domestic product and purchasing power parity (PPP)
      • The rapid growth of the Tanzanian economy is expected to continue up to 2020...
      • ...although lower income groups have yet to benefit from the economic success
    • Total population, age structure and level of urbanisation
      • Tanzania's population will expand by a further 9.2 million between 2014 and 2020...
      • ... although two thirds of all inhabitants will still be living in rural areas
    • Political risk
      • The country's index of political stability has improved markedly in recent years...
    • Other key indicators
      • ... as has life expectancy at birth for both men and women
      • Mobile phone subscriptions per 100 people surged from 7.6 in 2005 to 55.7 in 2013
  • Introduction to the banking sector
    • Structure of the banking sector
      • Tanzania's banking sector is characterised by the involvement of a variety of types of institution
      • National Microfinance Bank lays claim to the largest portfolio of retail customers
      • Six of the ten largest banks are owned by overseas parents
    • Development of the banking sector
      • Almost 400 new bank branches were opened between 2005 and 2013
    • Consumer lending
      • The top three lenders control around two thirds of mortgage balances outstanding
      • As elsewhere in sub-Saharan Africa, high interest rates limit faster growth...
      • ... and non-mortgage lending remains by far the larger segment within total consumer lending
  • Introduction to the insurance sector
    • Premiums for life insurance have been outgrowing those for non-life insurance...
    • ... although the latter still make up almost 90% of the market total
  • The bancassurance market
    • Regulatory environment
      • The central bank and insurance regulator are likely to release new bancassurance regulations in 2014...
      • ...which are especially likely to have an impact on the distribution of bundled insurance products
    • Importance of bancassurance as a distribution channel
      • The distribution share of banks in Tanzania's life insurance market seems likely to be very substantial...
      • ...although many banks are awaiting regulatory clarification before offering a wider product range
    • Product range, operating models and partnerships of the ten leading banks
      • Nine of the top ten banks offer insurance products in one form or another
      • Policies linked to mortgages and personal loans are available most commonly in Tanzania
      • CRDB Bank promotes the widest range of policies, including several stand-alone products
      • African Life benefits from partnerships with four banks including National Microfinance Bank
      • Kenyan Alliance also works with four of the top ten banks
      • Absa Life and Heritage are the only captive underwriters identifiable in Tanzania
  • Future outlook
    • In nominal terms, the Tanzanian insurance market is forecast to grow at a compound annual rate of 16.3%
    • This growth, plus new regulations, may help bancassurance to develop further

11.0 UGANDA

  • Macro-economic background
    • Gross domestic product and purchasing power parity (PPP)
      • Like other countries in sub-Saharan Africa, Uganda's recent economic performance has been favourable
    • Total population, age structure and level of urbanisation
      • Most of the country's population live in rural areas although urbanisation is increasing gradually
    • Political risk
      • The relevant indices indicate that political stability has improved while regulatory quality has diminished
    • Other key indicators
      • Life expectancy at birth has improved substantially in Uganda, especially for women
      • Mobile phone subscriptions lag behind other peer countries in sub-Saharan Africa
  • Introduction to the banking sector
    • Structure of the banking sector
      • More than 50% of Ugandans now have access to formal financial institutions
      • Stanbic Bank and Centenary Bank are the two largest banks when measured by number of customers
      • Six of the top ten banks are owned by overseas parents
    • Development of the banking sector
      • The number of fully-licensed banks rose from 15 in 2005 to 25 in 2013
    • Consumer lending
      • Mortgage lending expanded at a compound annual rate of 11.4% between 2009 and 2013...
      • ...albeit mortgages remain out of reach for the vast majority of the population
      • Progress in the non-mortgage consumer lending market has been slower and less even
  • Introduction to the insurance sector
    • Insurance penetration remains well below that of peer countries in sub-Saharan Africa
    • Premiums for non-life insurance make up the vast majority of the market total...
    • ... with accident and health cover worth almost as much as motor insurance
  • The bancassurance market
    • Regulatory environment
      • Banks are currently not permitted to sell any form of stand-alone insurance...
      • ...although it is very likely that this ban will be lifted before the end of 2014
    • Importance of bancassurance as a distribution channel
      • Banks constitute a minor distribution channel in the context of the overall market...
    • Product range, operating models and partnerships of the ten leading banks
      • ... as a consequence of the fact that they have been limited to offering bundled products...
    • ... which itself determines the narrow variety of policies on offer from Ugandan banks
      • Captive underwriters play a fairly important role in the Ugandan bancassurance market
      • Jubilee is ranked first by weighted share of partnerships...
      • ...followed by Liberty Life and Goldstar, both of which are bank-owned underwriters
  • Future outlook
    • By 2020, the total insurance market may have increased in value to more than USD 450 million...
    • ...and bancassurance is likely to develop further assuming liberalisation of the channel

12.0 ZAMBIA

  • Macro-economic background
    • Gross domestic product and purchasing power parity (PPP)
      • Zambian GDP is likely to have grown at a compound annual rate of 9.2% between 2008 and 2014...
      • ...but poverty and employment remain key challenges
    • Total population, age structure and level of urbanisation
      • The country's population is set to grow by a further 3 million between 2014 and 2018
    • Political risk
      • Zambia has experienced a significant upturn in its political stability index
    • Other key indicators
      • Zambian women can now expect to live to an average age of just over 60 (and men to over 56)
      • Mobile phone subscriptions have increased very rapidly in recent years
  • Introduction to the banking sector
    • Structure of the banking sector
      • Banks with foreign parents play an important role in the Zambian banking sector...
      • ... competing alongside a variety of non-bank financial institutions
      • Zanaco is the country's largest bank with around 750.000 customers
      • Barclays Zambia and Finance Bank are its main competitors
    • Development of the banking sector
      • The number of bank branches more than doubled between 2005 and 2013
    • Consumer lending
      • The mortgage market remains in an embryonic state...
      • ...and is mainly limited to high-income households
      • Non-mortgage consumer lending balances are poised to exceed USD 1 billion in value
  • Introduction to the insurance sector
    • Motor insurance accounts for over 40 % of all non-life insurance premiums
  • The bancassurance market
    • Regulatory environment
      • Banks need to be licensed as insurance agents in order to distribute insurance policies...
      • ...although many are active in this area on a referral basis
    • Importance of bancassurance as a distribution channel
      • The distribution share of banks is far higher in life insurance than in non-life insurance
      • Barclays Life was the first captive underwriter to operate in Zambia
    • Product range, operating models and partnerships of the ten leading banks
      • All of the top ten banks apart from Investrust Bank are involved in bancassurance
      • Ten (out of 15) insurance types are available from at least one of the top ten banks...
      • ... although four from just one bank
      • Banks generally source insurance products from external underwriters
      • ZSIC leads by weighted share of partnerships thanks to its key relationship with Zanaco...
      • ... with Professional Life used by two of the top ten banks...
      • ...and Aflife (majority-owned by Sanlam) by three
      • Barclays Life is the one captive underwriter active in Zambia
  • Future outlook
    • The Zambian insurance market is likely to triple in value between 2014 and 2020
    • More banks may be tempted to follow the example of Barclays by launching captive underwriters

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

  • Credit life insurance linked to mortgages and personal loans are most commonly distributed through banks in sub-Saharan Africa

1.0 INTRODUCTION

2.0 REGIONAL OVERVIEW

  • GDP in current prices in sub-Saharan Africa, segmented by country, USD billion, 2008, 2014 and 2020 (forecast)
  • GDP in current prices in sub-Saharan Africa, segmented by country, 2008, 2014 and 2020 (forecast) (table)
  • PPP (purchasing power parity) per capita in sub-Saharan Africa, segmented by country, 2014
  • PPP (purchasing power parity) per capita in sub-Saharan Africa, segmented by country, 2008, 2014 and to 2020 (forecast)
  • PPP (purchasing power parity) per capita in sub-Saharan Africa, segmented by country, 2008, 2014 and 2020 (forecast) (table)
  • Total population in sub-Saharan Africa, segmented by country, 2008, 2014 and 2020 (forecast)
  • Total population in sub-Saharan Africa, segmented by country, million, 2008, 2014 and 2020 (forecast) (table)
  • Population age structure in sub-Saharan Africa, segmented by country, 2014
  • Population age structure in sub-Saharan Africa, segmented by country, 2014 (table)
  • Level of urbanisation in sub-Saharan Africa, segmented by country, 2014
  • Level of urbanisation in sub-Saharan Africa, segmented by country, 2008, 2014 and 2020 (forecast) (table)
  • Index of political stability for sub-Saharan Africa, segmented by country, 2012
  • Index of political stability, rule of law, and regulatory quality for sub-Saharan Africa, segmented by country, 1996 to 2012 (table)
  • Life expectancy at birth for women in sub-Saharan Africa, segmented by country, 2005 and 2013
  • Life expectancy at birth for men in sub-Saharan Africa, segmented by country, 2005 and 2013
  • Life expectancy at birth for women and men in sub-Saharan Africa, segmented by country, 2005 and 2013 (table)
  • Mobile phone subscriptions per 100 people in sub-Saharan Africa, segmented by country, 2005 to 2013
  • Mobile phone subscriptions per 100 people in sub-Saharan Africa, segmented by country, 2005 to 2013 (table)
  • Number of fully-licensed banks in sub-Saharan Africa, segmented by country, 2013
  • Number of branches in sub-Saharan Africa, segmented by country, 2013
  • Number of branches per 100,000 adults in sub-Saharan Africa, segmented by country, 2013
  • Number of fully-licensed banks and branches in sub-Saharan Africa, segmented by country, 2005 to 2013 (table)
  • Number of deposit accounts in sub-Saharan Africa, segmented by country, 2005 to 2013
  • Number of deposit accounts in sub-Saharan Africa, segmented by country, 2005 to 2013 (table)
  • Residential mortgage lending and consumer non-mortgage balances outstanding in sub-Saharan Africa, 2009 to 2013
  • Residential mortgage balances outstanding in sub-Saharan Africa, segmented by country, 2013 (USD billion)
  • Residential mortgage balances outstanding in sub-Saharan Africa, segmented by country, 2009 to 2013 (table), segmented by country, 2013 (USD billion)
  • Consumer non-mortgage balances outstanding in sub-Saharan Africa, segmented by country, 2013 (USD billion)
  • Consumer non-mortgage balances outstanding in sub-Saharan Africa, segmented by country, 2009 to 2013 (table), segmented by country, 2013 (USD billion)
  • Gross written premiums for life and non-life insurance in sub-Saharan Africa, segmented by country, 2009 to 2013
  • Gross written premiums per capita in sub-Saharan Africa, segmented by country, USD, 2013
  • Gross written premiums as a percentage of GDP in sub-Saharan Africa, segmented by country, 2013
  • Gross written premiums per capita and as a percentage of GDP in sub-Saharan Africa, segmented by country, 2009 to 2013 (table)
  • Gross written premiums for life insurance in sub-Saharan Africa, segmented by country, USD billion, 2013
  • Gross written premiums for life insurance in sub-Saharan Africa, segmented by country, 2009 to 2013 (table)
  • Gross written premiums for non-life insurance in sub-Saharan Africa, segmented by country, USD billion, 2013
  • Relative importance of life and non-life insurance in sub-Saharan Africa, segmented by county, 2013
  • Life insurance as a percentage of total gross written premiums, in sub-Saharan Africa, segmented by county, 2009 to 2013 (table)
  • Forecast for gross written premiums for life and non-life insurance in sub-Saharan Africa to 2020
  • Relative importance of the South African insurance market across ten countries in sub-Saharan Africa, 2013 and 2020 (forecast)
  • Forecast for gross written premiums for life and non-life insurance in sub-Saharan Africa, 2020, segmented by country (table)
  • Overview of regulatory environment for bancassurance in sub-Saharan Africa, segmented by country, 2014
  • Involvement in bancassurance of the 100 largest retail banking organisations in sub-Saharan Africa: provision of bundled and stand-alone products, segmented by country, 2014
  • Involvement in bancassurance of the 100 largest retail banking organisations in sub-Saharan Africa: average number of insurance types offered per bank, segmented by country, 2014
  • Provision rates for different types of insurance offered by the 100 largest retail banking organisations in sub-Saharan Africa, segmented by country, 2014
  • Bancassurance in sub-Saharan Africa: operating models used by the 100 largest retail banking organisations, segmented by country, 2014
  • Bancassurance in sub-Saharan Africa: operating models used by the 100 largest retail banking organisations, segmented by country, 2014 (table)
  • Approximate distribution share of banks in life and non-life insurance in sub-Saharan Africa, segmented by country, 2014

3.0 ANGOLA

  • GDP in current prices and PPP (purchasing power parity) per capita in Angola, 2008 to 2020 (forecast)
  • Total population and level of urbanisation in Angola, 2008 to 2020 (forecast)
  • Population age structure in Angola, 2014
  • Key economic indicators for Angola, 2008, 2014 and 2020 (forecast) (table)
  • Index of political stability, regulatory quality and rule of law in Angola, 1996 to 2012
  • Life expectancy at birth in Angola, 2005 to 2013
  • Mobile phone subscriptions, fixed broadband subscriptions and fixed phone lines per 100 people in Angola, 2005 to 2013
  • Other key indicators for Angola, 2005 to 2013 (table)
  • Ultimate holding companies and credit ratings of the ten largest retail banking organisations in Angola, 2014
  • Total assets, number of customers and number of branches of the ten largest retail banking organisations in Angola, 2014
  • Number of fully-licensed banks and deposit accounts in Angola, 2005 to 2013
  • Number of branches and ATMs per 100,000 adults in Angola, 2005 to 2013
  • Key banking sector indicators for Angola, 2005 to 2013 (table)
  • Residential mortgage lending balances outstanding in Angola (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Angola (absolute and per capita), 2009 to 2013
  • Key data points for the consumer lending market in Angola, 2009 to 2013 (table)
  • Gross written premiums for life and non-life insurance in Angola, 2009 to 2013
  • Gross written premiums per capita and as percentage of GDP in Angola, 2009 to 2013
  • Gross written premiums for life and non-life insurance in Angola, 2009 to 2013 (table)
  • (table)
  • Segmentation of non-life insurance gross written premiums in Angola, 2013
  • Involvement in bancassurance of the ten largest retail banking organisations in Angola: provision of bundled and stand-alone products, 2014
  • Overview of provision rates for different types of insurance offered by the ten largest retail banking organisations in Angola, 2014
  • Bancassurance in Angola: provision rates, weighted operating models and weighted provider share of partnerships, 2014
  • Summary of use of captive and joint venture bancassurance partners by the ten largest retail banking organisations in Angola, 2014
  • Summary of use of external bancassurance partners by the ten largest retail banking organisations in Angola, 2014
  • Forecast for gross written premiums for life and non-life insurance in Angola to 2020

4.0 CÔTE D'IVOIRE

  • GDP in current prices and PPP (purchasing power parity) per capita in Côte d'Ivoire, 2008 to 2020 (forecast)
  • Total population and level of urbanisation in Côte d'Ivoire, 2008 to 2020 (forecast)
  • Population age structure in Côte d'Ivoire, 2014
  • Key economic indicators for Côte d'Ivoire, 2008, 2014 and 2020 (forecast) (table)
  • Index of political stability, regulatory quality and rule of law in Côte d'Ivoire, 1996 to 2012
  • Life expectancy at birth in Côte d'Ivoire, 2005 to 2013
  • Mobile phone subscriptions, fixed broadband subscriptions and fixed phone lines per 100 people in Côte d'Ivoire, 2005 to 2013
  • Other key indicators for Côte d'Ivoire, 2005 to 2013 (table)
  • Ultimate holding companies and credit ratings of the ten largest retail banking organisations in Côte d'Ivoire, 2014
  • Total assets, number of customers and number of branches of the ten largest retail banking organisations in Côte d'Ivoire, 2014
  • Number of fully-licensed banks and deposit accounts in Côte d'Ivoire, 2005 to 2013
  • Number of branches and ATMs per 100,000 adults in Côte d'Ivoire, 2005 to 2013
  • Key banking sector indicators for Côte d'Ivoire, 2005 to 2013 (table)
  • Residential mortgage lending balances outstanding in Côte d'Ivoire (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Côte d'Ivoire (absolute and per capita), 2009 to 2013
  • Key data points for the consumer lending market in Côte d'Ivoire, 2009 to 2013 (table)
  • Gross written premiums for life and non-life insurance in Côte d'Ivoire, 2009 to 2013
  • Gross written premiums per capita and as percentage of GDP in Côte d'Ivoire, 2009 to 2013
  • Gross written premiums for life and non-life insurance in Côte d'Ivoire, 2009 to 2013 (table)
  • (table)
  • Segmentation of non-life insurance gross written premiums in Côte d'Ivoire, 2013
  • Involvement in bancassurance of the ten largest retail banking organisations in Côte d'Ivoire: provision of bundled and stand-alone products, 2014
  • Overview of provision rates for different types of insurance offered by the ten largest retail banking organisations in Côte d'Ivoire, 2014
  • Bancassurance in Côte d'Ivoire: provision rates, weighted operating models and weighted provider share of partnerships, 2014
  • Summary of use of captive and joint venture bancassurance partners by the ten largest retail banking organisations in Côte d'Ivoire, 2014
  • Summary of use of external bancassurance partners by the ten largest retail banking organisations in Côte d'Ivoire, 2014
  • Forecast for gross written premiums for life and non-life insurance in Côte d'Ivoire to 2020

5.0 GHANA

  • GDP in current prices and PPP (purchasing power parity) per capita in Ghana, 2008 to 2020 (forecast)
  • Total population and level of urbanisation in Ghana, 2008 to 2020 (forecast)
  • Population age structure in Ghana, 2014
  • Key economic indicators for Ghana, 2008, 2014 and 2020 (forecast) (table)
  • Index of political stability, regulatory quality and rule of law in Ghana, 1996 to 2012
  • Life expectancy at birth in Ghana, 2005 to 2013
  • Mobile phone subscriptions, fixed broadband subscriptions and fixed phone lines per 100 people in Ghana, 2005 to 2013
  • Other key indicators for Ghana, 2005 to 2013 (table)
  • Ultimate holding companies and credit ratings of the ten largest retail banking organisations in Ghana, 2014
  • Total assets, number of customers and number of branches of the ten largest retail banking organisations in Ghana, 2014
  • Number of fully-licensed banks and deposit accounts in Ghana, 2005 to 2013
  • Number of branches and ATMs per 100,000 adults in Ghana, 2005 to 2013
  • Key banking sector indicators for Ghana, 2005 to 2013 (table)
  • Residential mortgage lending balances outstanding in Ghana (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Ghana (absolute and per capita), 2009 to 2013
  • Key data points for the consumer lending market in Ghana, 2009 to 2013 (table)
  • Gross written premiums for life and non-life insurance in Ghana, 2009 to 2013
  • Gross written premiums per capita and as percentage of GDP in Ghana, 2009 to 2013
  • Gross written premiums for life and non-life insurance in Ghana, 2009 to 2013 (table)
  • (table)
  • Segmentation of non-life insurance gross written premiums in Ghana, 2013
  • Involvement in bancassurance of the ten largest retail banking organisations in Ghana: provision of bundled and stand-alone products, 2014
  • Overview of provision rates for different types of insurance offered by the ten largest retail banking organisations in Ghana, 2014
  • Bancassurance in Ghana: provision rates, weighted operating models and weighted provider share of partnerships, 2014
  • Summary of use of captive and joint venture bancassurance partners by the ten largest retail banking organisations in Ghana, 2014
  • Summary of use of external bancassurance partners by the ten largest retail banking organisations in Ghana, 2014
  • Forecast for gross written premiums for life and non-life insurance in Ghana to 2020

6.0 KENYA

  • GDP in current prices and PPP (purchasing power parity) per capita in Kenya, 2008 to 2020 (forecast)
  • Total population and level of urbanisation in Kenya, 2008 to 2020 (forecast)
  • Population age structure in Kenya, 2014
  • Key economic indicators for Kenya, 2008, 2014 and 2020 (forecast) (table)
  • GDP in current prices in sub-Saharan Africa, segmented by country, USD billion, 2014
  • Index of political stability, regulatory quality and rule of law in Kenya, 1996 to 2012
  • Life expectancy at birth in Kenya, 2005 to 2013
  • Mobile phone subscriptions, fixed broadband subscriptions and fixed phone lines per 100 people in Kenya, 2005 to 2013
  • Other key indicators for Kenya, 2005 to 2013 (table)
  • Ultimate holding companies and credit ratings of the ten largest retail banking organisations in Kenya, 2014
  • Total assets, number of customers and number of branches of the ten largest retail banking organisations in Kenya, 2014
  • Number of fully-licensed banks and deposit accounts in Kenya, 2005 to 2013
  • Number of branches and ATMs per 100,000 adults in Kenya, 2005 to 2013
  • Key banking sector indicators for Kenya, 2005 to 2013 (table)
  • Residential mortgage lending balances outstanding in Kenya (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Kenya (absolute and per capita), 2009 to 2013
  • Key data points for the consumer lending market in Kenya, 2009 to 2013 (table)
  • Gross written premiums for life and non-life insurance in Kenya, 2009 to 2013
  • Gross written premiums per capita and as percentage of GDP in Kenya, 2009 to 2013
  • Gross written premiums for life and non-life insurance in Kenya, 2009 to 2013 (table)
  • (table)
  • Segmentation of non-life insurance gross written premiums in Kenya, 2013
  • Involvement in bancassurance of the ten largest retail banking organisations in Kenya: provision of bundled and stand-alone products, 2014
  • Overview of provision rates for different types of insurance offered by the ten largest retail banking organisations in Kenya, 2014
  • Bancassurance in Kenya: provision rates, weighted operating models and weighted provider share of partnerships, 2014
  • Summary of use of captive and joint venture bancassurance partners by the ten largest retail banking organisations in Kenya, 2014
  • Summary of use of external bancassurance partners by the ten largest retail banking organisations in Kenya, 2014
  • Forecast for gross written premiums for life and non-life insurance in Kenya to 2020

7.0 MOZAMBIQUE

  • GDP in current prices and PPP (purchasing power parity) per capita in Mozambique, 2008 to 2020 (forecast)
  • Total population and level of urbanisation in Mozambique, 2008 to 2020 (forecast)
  • Population age structure in Mozambique, 2014
  • Key economic indicators for Mozambique, 2008, 2014 and 2020 (forecast) (table)
  • Index of political stability, regulatory quality and rule of law in Mozambique, 1996 to 2012
  • Life expectancy at birth in Mozambique, 2005 to 2013
  • Mobile phone subscriptions, fixed broadband subscriptions and fixed phone lines per 100 people in Mozambique, 2005 to 2013
  • Other key indicators for Mozambique, 2005 to 2013 (table)
  • Ultimate holding companies and credit ratings of the ten largest retail banking organisations in Mozambique, 2014
  • Total assets, number of customers and number of branches of the ten largest retail banking organisations in Mozambique, 2014
  • Number of fully-licensed banks and deposit accounts in Mozambique, 2005 to 2013
  • Number of branches and ATMs per 100,000 adults in Mozambique, 2005 to 2013
  • Key banking sector indicators for Mozambique, 2005 to 2013 (table)
  • Residential mortgage lending balances outstanding in Mozambique (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Mozambique (absolute and per capita), 2009 to 2013
  • Key data points for the consumer lending market in Mozambique, 2009 to 2013 (table)
  • Gross written premiums for life and non-life insurance in Mozambique, 2009 to 2013
  • Gross written premiums per capita and as percentage of GDP in Mozambique, 2009 to 2013
  • Gross written premiums for life and non-life insurance in Mozambique, 2009 to 2013 (table)
  • (table)
  • Segmentation of non-life insurance gross written premiums in Mozambique, 2013
  • Involvement in bancassurance of the ten largest retail banking organisations in Mozambique: provision of bundled and stand-alone products, 2014
  • Overview of provision rates for different types of insurance offered by the ten largest retail banking organisations in Mozambique, 2014
  • Bancassurance in Mozambique: provision rates, weighted operating models and weighted provider share of partnerships, 2014
  • Summary of use of captive and joint venture bancassurance partners by the ten largest retail banking organisations in Mozambique, 2014
  • Summary of use of external bancassurance partners by the ten largest retail banking organisations in Mozambique, 2014
  • Forecast for gross written premiums for life and non-life insurance in Mozambique to 2020

8.0 NIGERIA

  • GDP in current prices and PPP (purchasing power parity) per capita in Nigeria, 2008 to 2020 (forecast)
  • Total population and level of urbanisation in Nigeria, 2008 to 2020 (forecast)
  • Population age structure in Nigeria, 2014
  • Key economic indicators for Nigeria, 2008, 2014 and 2020 (forecast) (table)
  • Index of political stability, regulatory quality and rule of law in Nigeria, 1996 to 2012
  • Life expectancy at birth in Nigeria, 2005 to 2013
  • Mobile phone subscriptions, fixed broadband subscriptions and fixed phone lines per 100 people in Nigeria, 2005 to 2013
  • Other key indicators for Nigeria, 2005 to 2013 (table)
  • Ultimate holding companies and credit ratings of the ten largest retail banking organisations in Nigeria, 2014
  • Total assets, number of customers and number of branches of the ten largest retail banking organisations in Nigeria, 2014
  • Number of fully-licensed banks and deposit accounts in Nigeria, 2005 to 2013
  • Number of branches and ATMs per 100,000 adults in Nigeria, 2005 to 2013
  • Key banking sector indicators for Nigeria, 2005 to 2013 (table)
  • Residential mortgage lending balances outstanding in Nigeria (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Nigeria (absolute and per capita), 2009 to 2013
  • Key data points for the consumer lending market in Nigeria, 2009 to 2013 (table)
  • Gross written premiums for life and non-life insurance in Nigeria, 2009 to 2013
  • Gross written premiums per capita and as percentage of GDP in Nigeria, 2009 to 2013
  • Gross written premiums for life and non-life insurance in Nigeria, 2009 to 2013 (table)
  • (table)
  • Segmentation of non-life insurance gross written premiums in Nigeria, 2013
  • Involvement in bancassurance of the ten largest retail banking organisations in Nigeria: provision of bundled and stand-alone products, 2014
  • Overview of provision rates for different types of insurance offered by the ten largest retail banking organisations in Nigeria, 2014
  • Bancassurance in Nigeria: provision rates, weighted operating models and weighted provider share of partnerships, 2014
  • Summary of use of captive and joint venture bancassurance partners by the ten largest retail banking organisations in Nigeria, 2014
  • Summary of use of external bancassurance partners by the ten largest retail banking organisations in Nigeria, 2014
  • Forecast for gross written premiums for life and non-life insurance in Nigeria to 2020

9.0 SOUTH AFRICA

  • GDP in current prices and PPP (purchasing power parity) per capita in South Africa, 2008 to 2020 (forecast)
  • Total population and level of urbanisation in South Africa, 2008 to 2020 (forecast)
  • Population age structure in South Africa, 2014
  • Key economic indicators for South Africa, 2008, 2014 and 2020 (forecast) (table)
  • Index of political stability, regulatory quality and rule of law in South Africa, 1996 to 2012
  • Life expectancy at birth in South Africa, 2005 to 2013
  • Mobile phone subscriptions, fixed broadband subscriptions and fixed phone lines per 100 people in South Africa, 2005 to 2013
  • Other key indicators for South Africa, 2005 to 2013 (table)
  • Ultimate holding companies and credit ratings of the ten largest retail banking organisations in South Africa, 2014
  • Total assets, number of customers and number of branches of the ten largest retail banking organisations in South Africa, 2014
  • Number of fully-licensed banks and deposit accounts in South Africa, 2005 to 2013
  • Number of branches and ATMs per 100,000 adults in South Africa, 2005 to 2013
  • Key banking sector indicators for South Africa, 2005 to 2013 (table)
  • Residential mortgage lending balances outstanding in South Africa (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in South Africa (absolute and per capita), 2009 to 2013
  • Key data points for the consumer lending market in South Africa, 2009 to 2013 (table)
  • Gross written premiums for life and non-life insurance in South Africa, 2009 to 2013
  • Gross written premiums per capita and as percentage of GDP in South Africa, 2009 to 2013
  • Gross written premiums for life and non-life insurance in South Africa, 2009 to 2013 (table)
  • (table)
  • Segmentation of non-life insurance gross written premiums in South Africa, 2013
  • Involvement in bancassurance of the ten largest retail banking organisations in South Africa: provision of bundled and stand-alone products, 2014
  • Overview of provision rates for different types of insurance offered by the ten largest retail banking organisations in South Africa, 2014
  • Bancassurance in South Africa: provision rates, weighted operating models and weighted provider share of partnerships, 2014
  • Summary of use of captive and joint venture bancassurance partners by the ten largest retail banking organisations in South Africa, 2014
  • Summary of use of external bancassurance partners by the ten largest retail banking organisations in South Africa, 2014
  • Forecast for gross written premiums for life and non-life insurance in South Africa to 2020

10.0 TANZANIA

  • GDP in current prices and PPP (purchasing power parity) per capita in Tanzania, 2008 to 2020 (forecast)
  • Total population and level of urbanisation in Tanzania, 2008 to 2020 (forecast)
  • Population age structure in Tanzania, 2014
  • Key economic indicators for Tanzania, 2008, 2014 and 2020 (forecast) (table)
  • Index of political stability, regulatory quality and rule of law in Tanzania, 1996 to 2012
  • Life expectancy at birth in Tanzania, 2005 to 2013
  • Mobile phone subscriptions, fixed broadband subscriptions and fixed phone lines per 100 people in Tanzania, 2005 to 2013
  • Other key indicators for Tanzania, 2005 to 2013 (table)
  • Ultimate holding companies and credit ratings of the ten largest retail banking organisations in Tanzania, 2014
  • Total assets, number of customers and number of branches of the ten largest retail banking organisations in Tanzania, 2014
  • Number of fully-licensed banks and deposit accounts in Tanzania, 2005 to 2013
  • Number of branches and ATMs per 100,000 adults in Tanzania, 2005 to 2013
  • Key banking sector indicators for Tanzania, 2005 to 2013 (table)
  • Residential mortgage lending balances outstanding in Tanzania (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Tanzania (absolute and per capita), 2009 to 2013
  • Key data points for the consumer lending market in Tanzania, 2009 to 2013 (table)
  • Gross written premiums for life and non-life insurance in Tanzania, 2009 to 2013
  • Gross written premiums per capita and as percentage of GDP in Tanzania, 2009 to 2013
  • Gross written premiums for life and non-life insurance in Tanzania, 2009 to 2013 (table)
  • (table)
  • Segmentation of non-life insurance gross written premiums in Tanzania, 2013
  • Involvement in bancassurance of the ten largest retail banking organisations in Tanzania: provision of bundled and stand-alone products, 2014
  • Overview of provision rates for different types of insurance offered by the ten largest retail banking organisations in Tanzania, 2014
  • Bancassurance in Tanzania: provision rates, weighted operating models and weighted provider share of partnerships, 2014
  • Summary of use of captive and joint venture bancassurance partners by the ten largest retail banking organisations in Tanzania, 2014
  • Summary of use of external bancassurance partners by the ten largest retail banking organisations in Tanzania, 2014
  • Forecast for gross written premiums for life and non-life insurance in Tanzania to 2020

11.0 UGANDA

  • GDP in current prices and PPP (purchasing power parity) per capita in Uganda, 2008 to 2020 (forecast)
  • Total population and level of urbanisation in Uganda, 2008 to 2020 (forecast)
  • Population age structure in Uganda, 2014
  • Key economic indicators for Uganda, 2008, 2014 and 2020 (forecast) (table)
  • Index of political stability, regulatory quality and rule of law in Uganda, 1996 to 2012
  • Life expectancy at birth in Uganda, 2005 to 2013
  • Mobile phone subscriptions, fixed broadband subscriptions and fixed phone lines per 100 people in Uganda, 2005 to 2013
  • Other key indicators for Uganda, 2005 to 2013 (table)
  • Ultimate holding companies and credit ratings of the ten largest retail banking organisations in Uganda, 2014
  • Total assets, number of customers and number of branches of the ten largest retail banking organisations in Uganda, 2014
  • Number of fully-licensed banks and deposit accounts in Uganda, 2005 to 2013
  • Number of branches and ATMs per 100,000 adults in Uganda, 2005 to 2013
  • Key banking sector indicators for Uganda, 2005 to 2013 (table)
  • Residential mortgage lending balances outstanding in Uganda (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Uganda (absolute and per capita), 2009 to 2013
  • Key data points for the consumer lending market in Uganda, 2009 to 2013 (table)
  • Gross written premiums for life and non-life insurance in Uganda, 2009 to 2013
  • Gross written premiums per capita and as percentage of GDP in Uganda, 2009 to 2013
  • Gross written premiums for life and non-life insurance in Uganda, 2009 to 2013 (table)
  • (table)
  • Segmentation of non-life insurance gross written premiums in Uganda, 2013
  • Involvement in bancassurance of the ten largest retail banking organisations in Uganda: provision of bundled and stand-alone products, 2014
  • Overview of provision rates for different types of insurance offered by the ten largest retail banking organisations in Uganda, 2014
  • Bancassurance in Uganda: provision rates, weighted operating models and weighted provider share of partnerships, 2014
  • Summary of use of captive and joint venture bancassurance partners by the ten largest retail banking organisations in Uganda, 2014
  • Summary of use of external bancassurance partners by the ten largest retail banking organisations in Uganda, 2014
  • Forecast for gross written premiums for life and non-life insurance in Uganda to 2020

12.0 ZAMBIA

  • GDP in current prices and PPP (purchasing power parity) per capita in Zambia, 2008 to 2020 (forecast)
  • Total population and level of urbanisation in Zambia, 2008 to 2020 (forecast)
  • Population age structure in Zambia, 2014
  • Key economic indicators for Zambia, 2008, 2014 and 2020 (forecast) (table)
  • Index of political stability, regulatory quality and rule of law in Zambia, 1996 to 2012
  • Life expectancy at birth in Zambia, 2005 to 2013
  • Mobile phone subscriptions, fixed broadband subscriptions and fixed phone lines per 100 people in Zambia, 2005 to 2013
  • Other key indicators for Zambia, 2005 to 2013 (table)
  • Ultimate holding companies and credit ratings of the ten largest retail banking organisations in Zambia, 2014
  • Total assets, number of customers and number of branches of the ten largest retail banking organisations in Zambia, 2014
  • Number of fully-licensed banks and deposit accounts in Zambia, 2005 to 2013
  • Number of branches and ATMs per 100,000 adults in Zambia, 2005 to 2013
  • Key banking sector indicators for Zambia, 2005 to 2013 (table)
  • Residential mortgage lending balances outstanding in Zambia (absolute and per capita), 2009 to 2013
  • Consumer non-mortgage lending balances outstanding in Zambia (absolute and per capita), 2009 to 2013
  • Key data points for the consumer lending market in Zambia, 2009 to 2013 (table)
  • Gross written premiums for life and non-life insurance in Zambia, 2009 to 2013
  • Gross written premiums per capita and as percentage of GDP in Zambia, 2009 to 2013
  • Gross written premiums for life and non-life insurance in Zambia, 2009 to 2013 (table)
  • (table)
  • Segmentation of non-life insurance gross written premiums in Zambia, 2013
  • Involvement in bancassurance of the ten largest retail banking organisations in Zambia: provision of bundled and stand-alone products, 2014
  • Overview of provision rates for different types of insurance offered by the ten largest retail banking organisations in Zambia, 2014
  • Bancassurance in Zambia: provision rates, weighted operating models and weighted provider share of partnerships, 2014
  • Summary of use of captive and joint venture bancassurance partners by the ten largest retail banking organisations in Zambia, 2014
  • Summary of use of external bancassurance partners by the ten largest retail banking organisations in Zambia, 2014
  • Forecast for gross written premiums for life and non-life insurance in Zambia to 2020
Back to Top