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市場調查報告書

團體信用人壽保險的印尼市場

Creditor Insurance in Indonesia

出版商 Finaccord Ltd. 商品編碼 327628
出版日期 內容資訊 英文 23 Pages
商品交期: 最快1-2個工作天內
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團體信用人壽保險的印尼市場 Creditor Insurance in Indonesia
出版日期: 2015年03月01日 內容資訊: 英文 23 Pages
簡介

本報告提供印尼的團體信用人壽保險 (債權人團體保險) 市場現狀與今後的市場機會相關分析PartnerBASE ™的市場資料庫,及印尼國內74家主要的消費者金融企業的採訪等,整體市場趨勢的實際成果值、預測值 (過去、今後5年份) ,及市場的今後的發展預測、商品的各類型及補償對象的詳細趨勢、營運模式的概要、主要企業的市場佔有率和合作對象、替代性的銷售管道和今後的市場進入的可能性、推動因素等調查、考察。

摘要整理

第1章 簡介

  • 關於本報告
  • 理論的根據
  • 調查手法
  • 市場資料
  • 定義
  • PartnerBASE及市場資料附表
  • Finaccord

第2章 市場分析

  • 分析對象的銀行、其他貸款機關
  • 銀行部門概要
  • 消費者金融的市場規模與成長率
  • 團體信用人壽保險的提供價格、營運模式、聯盟對象

圖表一覽

目錄

Finaccord's report titled Creditor Insurance in Indonesia offers uniquely detailed insights into the market for creditor insurance, sometimes also referred to as payment protection insurance or loan-related insurance, as acquired by individual borrowers in Indonesia. Drawing on the results of a survey of 74 lending institutions, the study analyses the distribution of creditor insurance by banks and other lending institutions, how provision rates vary for different lending products, operating models used for arranging creditor insurance, and distribution partnerships weighted by the size of distributors. The PartnerBASE™ dataset that accompanies the report details all creditor insurance distribution deals traced by Finaccord. In short, this study will provide you with the definitive guide to current and future opportunities in creditor insurance in Indonesia.

Key features of this study plus the PartnerBASE™ dataset and market data annexe that accompany it include:

  • quantification of creditor insurance market size and growth with a timeline from 2010 to 2014 and onwards to 2018: how much is this market really worth in Indonesia and what is its future development potential?
  • segmentation of this market both by underlying loan type (differentiating between mortgages, point-of-sale automotive finance, other consumer finance and credit card loans) and by type of cover (differentiating between cover for death / permanent disability and temporary incapacity / unemployment);
  • consideration of operating models used for creditor insurance: how advanced is the use of captive and joint venture underwriters by lending institutions in Indonesia?
  • calculation of weighted provider share of partnerships: Finaccord's unique quantitative analysis helps to identify which underwriters of creditor insurance hold the relationships that offer the most potential;
  • investigation into alternative distribution channels for selling creditor insurance: a number of factors could increase the potential for entities other than the lending institutions themselves to sell creditor insurance in Indonesia.

Table of Contents

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • What is this report about?
    • This report provides a comprehensive analysis of loan-related insurance policies in Indonesia
  • Rationale
    • The report tracks over 50 separate 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

2.0 MARKET ANALYSIS

  • Banks and other lending institutions covered
  • Introduction to the banking sector
    • In terms of its total number of retail customers, Bank Rakyat Indonesia is the country's largest bank
    • ...although Bank Tabungan Negara is the largest competitor in the mortgage lending sector
    • Four of the top 15 banking institutions are state-owned
    • A number of banking entities with foreign parents are active in the market
    • and there have been several important bank mergers in recent years
  • Consumer lending market size and growth
    • Mortgage lending
      • Mortgage balances outstanding increased substantially between 2010 and 2014...
    • Non-mortgage lending
      • while the value of non-mortgage consumer lending also increased albeit at a slower pace
    • Credit and other pay later cards
      • The credit card market has grown steadily since 2010
  • Creditor insurance provision rates, operating models and partnerships
    • Creditor insurance linked to mortgages
      • The vast majority of mortgage lending institutions have a related creditor insurance proposition
      • Captive and joint venture arrangements are conspicuous in this market
      • One competitor - Sinar Mas - has eight separate partnerships in this field
      • In total, over 20 insurance providers have established bank distribution relationships
    • Creditor insurance linked to consumer finance
      • Initiatives in this arena are mainly organised through external underwriters
      • BRIingin Life leads the market by weighted share of partnerships
      • followed by AXA Mandiri, Allianz, Mega Life and AIA
      • A large proportion of lenders have no apparent scheme in place for this type of creditor insurance
      • Creditor insurance linked to credit cards
      • AXA Mandiri is the most prominent provider in this sphere through two major partnerships
      • and is followed by Manulife which also benefits from a significant relationship
    • Creditor insurance risk coverage
      • Cover for unemployment has yet to be introduced to the Indonesian creditor insurance market
    • Alternative distribution channels
      • Borrowers can buy creditor insurance from agents and brokers as well as from banks
    • Creditor insurance market size, growth and forecast
      • The overall market for all forms of creditor insurance in Indonesia is advancing rapidly
      • with demand for policies linked to mortgages likely to grow most quickly in future

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

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

2.0 MARKET ANALYSIS

  • Residential mortgage lending balances outstanding in Indonesia (absolute and per capita), 2010 to 2014
  • Consumer non-mortgage lending balances outstanding in Indonesia (absolute and per capita), 2010 to 2014
  • Credit and other pay later cards issued and per capita in Indonesia, 2010 to 2014
  • Key data points for the consumer lending market in Indonesia, 2010 to 2014
  • Provision of creditor insurance linked to mortgages in Indonesia, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to consumer finance in Indonesia, 2015: provision rate, operating models and weighted provider share of partnerships
  • Provision of creditor insurance linked to credit cards in Indonesia, 2015: provision rate, operating models and weighted provider share of partnerships
  • Risk coverage of creditor insurance policies in Indonesia, segmented by type of underlying product, 2015
  • Creditor insurance gross written premiums in Indonesia, segmented by policy type, 2010, 2014 and 2018
  • Creditor insurance gross written premiums in Indonesia, segmented by cover type, 2010, 2014 and 2018
  • Creditor insurance gross written premiums in Indonesia, segmented by policy and cover type, 2010, 2014 and 2018
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