歐洲針對企業的銀行保險（不包含人身保險） 是由出版商Finaccord Ltd.在2006年10月所出版的。
這份英文市場調查報告書包含Pages: 190 價格從美金3292起跳。
Abstract
Finaccord' s report titled Non-Life Bancassurance in Europe: Commercial Lines
is the first ever dedicated study of the distribution of insurance for
business customers by banking institutions serving this constituency. The
research is based on a survey of 370 business banks in ten territories in
Europe: Austria, Belgium, France, Germany, Italy, the Netherlands, the Nordic
region (comprising Denmark, Norway and Sweden), Portugal, Spain and the UK /
Republic of Ireland.
By means of this investigation, the report sheds unprecedented light on the
extent of involvement of banks across Europe in the distribution of commercial
lines policies, highlights the types of business insurance that they promote,
clarifies the operating models that they use to compete in this market and
identifies the underwriters and brokers with which they work to source
commercial insurance policies.
Moreover, the PartnerBASE™ database which accompanies the publication
offers a thorough means of researching current practice commercial lines
bancassurance on a bank-by-bank, country-by-country or product-by-product
basis. As such, this report and the associated PartnerBASE™ database
constitute the most detailed research into bank-oriented distribution of
business insurance that has ever been completed on a published basis at the
pan-European level.
Table of Contents
0.0 EXECUTIVE SUMMARY
- Over 80% of major business banks in Europe are active in commercial lines
bancassurance
- Official data describing the share of banks probably under-states the true
extent of their involve
- 7.8% of small businesses buying insurance in the UK do so through a bank
- As well as mainstream policies, banks are also offering niche and
specialised forms of insurance
- The operating models used for commercial lines bancassurance vary from
territory to territory
- Extensive use of external brokers is only apparent in Austria, Italy and
the UK / Ireland...
- ... with the development of bank-owned brokerage divs. having been
preferred in many cases
- Captive underwriters of business insurance are most apparent in Belgium,
France and Portugal
- Joint venture underwriters have been created between banks and insurers in
several instances
- Austria: banks are able to offer practically all types of commercial ins.
to business customers
- Belgium: commercial lines bancassurance is dominated by four major
financial services groups
- France: bancassurer enthusiasm is highest for key man and business loan
protection insurance
- Germany: new commercial bancassurance opps. are opening up for private
sector insurers
- Italy: over 80% of Italian banks offer business loan payment protection
insurance
- Netherlands: SNS Bank has opted to develop an internal brokerage for
business insurance
- Nordic region: commercial lines bancassurance is mainly limited to smaller
banking institutions
- Portugal: virtually all Portuguese banks are active in commercial lines
bancassurance
- Spain: banks increasingly demonstrate a preference for brokerage or
quasi-brokerage models
- UK / Ireland: no consensus exists with regards to the best means of
selling ins. to businesses
- Multiple opps. exist for the further development of commercial lines
bancassurance in Europe
1.0 INTRODUCTION
- Finaccord
- Creditor insurance
- Mobile telephone insurance
- Travel insurance
- PartnerBASE™
- Rationale
- Mainstream bancassurance markets are comparatively well documented...
- ... as is creditor insurance in the wake of detailed Finaccord research of
the subject
- Over 80.0% of the banks surveyed are active in commercial lines
bancassurance
- Methodology
- The research is based on a sample of 370 banks with involvement in
business banking
- Definitions
- Agricultural insurance
- Business interruption insurance
- Business loan protection insurance
- Commercial motor insurance
- Commercial property insurance
- Directors' and officers' liability insurance
- Electronic / machinery insurance
- General / product / public liability insurance
- Goods-in-transit / cargo insurance
- Key man insurance
- Legal expenses insurance
- Loss of license insurance
- Partnership / shareholder protection insurance
- Surety bonds
- Trade credit insurance
- Errors, omissions and limit of liability
2.0 EUROPEAN OVERVIEW
- Introduction
- Market size and segmentation
- Spain' s commercial non-life insurance market grows at almost twice the
European average...
- ... within a pan-European market worth in the region of €130.0
billion in 2005
- Penetration rates
- Overview
- Over 90% of banks surveyed in five countries are involved in offering
business insurance...
- ... with enthusiasm for commercial lines bancassurance dependent upon
several variables
- Agricultural insurance
- Many banks in Austria have opted for a brokerage operating model for
business insurance
- French banks have eschewed any involvement in distributing agricultural
insurance
- Business interruption insurance
- Provision of business interruption insurance exceeds 50% of banks surveyed
in five countries
- Business loan payment protection insurance
- Business loan pay. protection is the most common type of insurance
marketed by Italian banks
- Commercial motor / fleet insurance
- Over 80% of banks promote commercial motor / fleet insurance in five
European countries
- Commercial property insurance
- Commercial property insurance is marketed to business clients by virtually
all Spanish banks
- Directors' and officers' liability insurance
- Over 75% of banks in Austria, Germany and Spain offer directors' and
officers' liability cover
- Electronic / machinery insurance
- Policy disaggregation boosts the rate of provision among banking
institutions in Germany
- General / product / public liability insurance
- Less than 30% of French banks offer general liability insurance to
business customers
- Goods-in-transit / cargo insurance
- More than 50% of banks offer goods-in-transit insurance in five of the
territories surveyed
- Key man insurance
- Banks in France are keener to sell key man insurance than many other types
of business policy
- In contrast to mainstream policies, key man insurance is not widely
offered by German banks
- Legal expenses insurance
- Legal expenses insurance is absent from the commercial non-life offering
of Portuguese banks
- Loss of license insurance
- Over one third of banks in Austria, Spain and the UK / Ireland offer loss
of license insurance
- Partnership / shareholder protection insurance
- Few banks have introduced partnership / shareholder protection ins. to
business customers
- Surety bonds
- Surety bonds are commonly marketed by banking institutions in both Austria
and Germany
- Trade credit insurance
- Bancassurance constitutes a growth channel for providers of trade credit
insurance...
- ... given the access that it provides to the market for small and
medium-sized enterprises
- Euler Hermes is developing its Internet sales capabilities in conjunction
with certain partners
- Between 5% and 10% of all businesses in Western Europe possess trade
credit insurance
- Operating models
- There is no homogeneity in European banks' approach to offering commercial
non-life ins
- Banks in Germany and the Nordic region display a clear preference for
links with a single partner
- In a handful of cases, external brokers have won significant bancassurance
dist. mandates
- Internal brokerage divisions are widely used in six of the ten territories
reviewed
- Captive insurers are dominant in commercial lines bancassurance in France,
Italy and Portugal...
- ... and the market also plays host to a handful of joint ventures between
banks and insurers
- Spanish banks often build their business insurance portfolio from a range
of different sources
3.0 AUSTRIA
- Introduction to the banking sector
- The Austrian retail banking market remains comparatively fragmented
- Bank Austria Creditanstalt serves 1.8 million customers in its domestic
market
- The Austrian Federation of Trade Unions assumed 100% ownership of BAWAG
PSK in 2004
- Like its rivals, Erste Bank has ambitious growth plans in Central and
Eastern Europe
- RZB ultimately supports 571 autonomous local credit co-operatives
- Many other banks operate at a local or regional level within Austria
- Market overview
- Commercial motor insurance was worth over €1.02 billion in gross
premiums written in 2005
- Bancassurance
- Taken at face value, Austrian banks appear to have had limited success in
non-life insurance...
- ... although much of their business is intermediated by internal and
external brokers
- Survey results
- Penetration rates
- Only one bank has no formal mechanism for offering commercial insurance
- Austrian banks' preference for a broker model means that all types of
policy are widely available
- Operating models
- In over 90% of cases, banks source business insurance through an internal
or external broker
- Most Austrian banks procure commercial policies from a single source
- Partner market shares
- Many banks have elected to establish their own internal brokerage for
business insurance
- GrECo International collaborates on an international basis with Bank
Austria Creditanstalt
- österreichische Volksbanken works closely with an insurer - Victoria
Volksbanken Versicherung
- Competitor analysis
- Victoria-Volksbanken Versicherung makes little headway in total non-life
insurance
- GrECo International' s partnership with Bank Austria Creditanstalt has been
in force since 1993...
- ... with distribution occurring on a referral basis mainly via the bank' s
branch network
4.0 BELGIUM
- Introduction to the banking sector
- The number of competitors in Belgian business banking is comparatively
small...
- ... with the big four constituted by Dexia, Fortis, ING and KBC tending to
dominate this sector
- Market overview
- Commercial non-life gross written premiums grow at an average annual rate
of 5.5%
- Bancassurance
- Bank branches gain ground across most forms of non-life insurance in
Belgium...
- ... and the share of bank-owned insurers in business insurance is
substantial
- Survey results
- Penetration rates
- The big four banking groups account for almost all business bancassurance
activity in Belgium
- Only loss of license insurance is not offered by any of Belgium' s banks
- Operating models
- Three of the big four banking groups underwrite most commercial policies
on a captive basis...
- ... although Dexia collaborates with a variety of external provs.
including AXA, Fortis and KBC
- Trade credit insurance is the only type of policy for which Fortis works
with an external partner
- Partner market shares
- Opportunities for establishing distribution deals for business insurance
appear extremely limited
- Competitor analysis
- Belgium' s bank-owned insurance companies continue to make progress in
non-life insurance
5.0 FRANCE
- Introduction to the banking sector
- Mutual and co-operative banks continue to play a substantial role in
French banking...
- ... albeit merger and acquisition activity have changed the landscape in
recent years
- Most foreign entrants fail to make significant headway in the problematic
French market
- La Poste is playing an increasingly important part in the French retail
financial services scene
- Market overview
- General liability insurance is the fastest-growing segment within
commercial lines in France
- Bancassurance
- French banks have achieved only modest growth in non-life insurance in
more recent years
- Survey results
- Penetration rates
- Only three banking groups have made a major commitment to commercial lines
bancassurance
- Key man insurance is by far the most commonly offered form of commercial
policy
- Operating models
- French banks commonly underwrite commercial policies through captive or
joint venture firms...
- ... although Procourtage is an internal broker belonging to the
Crédit Mutuel network
- Over half of French banks offering business insurance secure policies from
different sources
- Partner market shares
- Distribution partnerships between French banks and external partners are
currently limited...
- ... and will only grow if banks elect to expand their activity in
commercial lines bancassurance
- Competitor analysis
- Almost all bank-owned insurers in France are expanding their share of
non-life insurance
6.0 GERMANY
- Introduction to the banking sector
- Commercial banks battle against savings bank and credit co-operative
competition
- Germany' s savings banks: opportunities begin to open up for private sector
insurance firms
- R&V is able to meet virtually all the insurance needs of credit
co-operative customers
- Germany' s banking sector provides other viable commercial lines
bancassurance opportunities
- Market overview
- Germany' s commercial lines insurance market was worth around €26.21
billion in 2005
- Bancassurance
- The distribution share of banks in total non-life insurance is unlikely to
exceed 10%
- Survey results
- Penetration rates
- Well over 90% of banks have arrangements in place for offering business
insurance...
- ... with most types of policy marketed by over three quarters of banks
involved in this field
- Operating models
- In the vast majority of cases, German banks source business insurance from
a single partner...
- ... and almost three quarters utilise the same source for all forms of
commercial policy...
- ... albeit private sector insurers are beginning to work with savings
banks and credit co-ops
- Partner market shares
- The market is characterised by a number of major links between private
sector banks and ins
- Competitor analysis
- R&V Versicherung outgrows its public sector rivals by a considerable margin
- Direct Line expands its business although the pace of change in Germany is
slow
7.0 ITALY
- Introduction to the banking sector
- Consolidation and rationalisation change the face of banking in Italy...
- ... with a fast-growing second tier of banks ready to challenge the big
six groups
- Acquisitions by ABN AMRO and BNP Paribas open the way to further foreign
entrants
- The market for business banking remains almost as fragmented as that for
consumer banking
- Market overview
- Commercial motor insurance accounts for over 50% of the total commercial
non-life market
- Bancassurance
- Italy' s non-life bancassurance channel shows stronger signs of development
in 2005...
- ... although its aggregate distribution share exceeds 5% only for the
pecuniary loss class
- Banks in Italy are likely to grow their distribution share of both
commercial and personal lines
- Survey results
- Penetration rates
- Although over 90% of banks have arrangements in place for offering
business insurance...
- ... only business loan payment protection insurance is offered by more
than half of banks
- Operating models
- In over 40% of cases, Italian banks adhere to a brokerage model for
commercial insurance...
- ... with three of the big six banking groups possessing their own internal
brokerage
- Deals with specialist insurers for trade credit ins. boosts the figure
using varied approaches
- Partner market shares
- GPA Assiparos collaborates extensively with banks belonging to the Intesa
group...
- ... and Cattolica Assicurazioni' s bancassurance links sometimes extend to
business insurance
- Competitor analysis
- Banca Carige possesses the largest bank-owned non-life bancassurer in
Italy...
- ... although smaller underwriters operating in this field are achieving
more rapid growth
- GPA Assiparos collaborates with Banca Intesa across the full non-life
bancass. spectrum...
- ... with loan protection insurance for both business and retail clients
being a key area of activity
8.0 NETHERLANDS
- Introduction to the banking sector
- Three financial services giants dominate business banking in the
Netherlands...
- ... with the main competition coming from Fortis Bank and SNS Reaal
- Market overview
- Smaller lines of commercial non-life ins. outgrow the market total between
2001 and 2005
- Bancassurance
- Bank branches distribute around 11.0% of all non-life insurance policies
in the Netherlands
- Survey results
- Penetration rates
- Only seven banking entities have substantial involvement in commercial
lines bancassurance
- Commercial motor / fleet insurance is most commonly offered by banks in
the Netherlands
- Operating models
- ING Bank and Rabobank occasionally place business risks with external
underwriters...
- ... which SNS Bank' s strategy for commercial bancassurance is to use an
internal broker...
- ... and only Fortis Bank reports a captive-only approach
- ABN AMRO initiated a deal with Euler Hermes for trade credit ins. in the
final quarter of 2005
- Business banks in the Netherlands generally use one operating model for
all comm. policies...
- Partner market shares
- ... which, clearly, is a key determinant of opportunities for external
brokers and underwriters
- Competitor analysis
- Combined banking and insurance groups account for over 25% of total
non-life premiums
9.0 NORDIC REGION
- Introduction to the banking sector
- Four pan-Scandinavian banking institutions battle against mainly smaller
national competitors
- Danske Bank: the bank lays claim to 465 branches across its five main
countries of operation
- Handelsbanken: expansion in the Nordic region achieved through org. growth
and acquisitions
- Nordea: a leading financial services group in the Nordic and Baltic regions
- SEB: strategic acquisitions fuel expansion across Northern Europe
- Denmark: FIH Erhvervsbank provides specialist competition in business
banking
- Norway: Den norske Bank has shielded itself from takeover by merging with
Gjensidige
- Sweden: FöreningsSparbanken lays claim to 250,000 business banking
clients in Sweden
- Market overview
- The market for commercial property insurance was worth some €2.83
billion in 2005
- Bancassurance
- Non-life bancassurance is developed in Denmark and Norway in comparison to
Sweden...
- ... although FöreningsSparbanken and the Swedish savings banks are
stepping up their activity
- Survey results
- Penetration rates
- Commercial lines bancassurance is mainly the preserve of smaller and
medium-sized banks
- Over one third of banks in the Nordic region offer mainstream business
insurance policies
- Operating models
- In over 90% of cases, Nordic banks form distribution deals with a single,
external underwriter
- Most Nordic banks adhere to a unified approach to sourcing commercial
lines policies
- Partner market shares
- In Denmark, Codan collaborates with Forstaedernes Bank, Roskilde Bank and
Vestjysk Bank...
- ... while Sparebank 1 Skade- / Livsforsikring is the sole example of a
captive insurer in this field
- Competitor analysis
- Topdanmark' s Danske Forsikring cedes market share of total non-life
insurance in Denmark
- Terra Skadeforsikring comfortably outpaces Sparebank 1 Skadeforsikring,
its larger rival
10.0 PORTUGAL
- Introduction to the banking sector
- Foreign entrants exert a strong influence of the development of the
banking market
- Market overview
- The Portuguese commercial lines ins. market advances at an average annual
rate of 5.6%
- Bancassurance
- Portuguese bancassurance benefits from bank ownership of several of the
largest insurers...
- ... hence the concept of commercial lines bancassurance is comparatively
well developed
- Survey results
- Penetration rates
- All significant business banks in Portugal are active in commercial lines
bancassurance
- Six types of commercial insurance are offered by over half of the business
banks surveyed
- Operating models
- A significant number of banks source business insurance policies only from
captives...
- ... while Millennium BCP' s link with Ocidental is now classifiable as a
joint venture with Fortis
- Banco BPI sources trade credit insurance from COSEC, a joint venture entity
- Partner market shares
- Opportunities for partnerships in commercial lines bancassurance will
accrue in two main ways
- Competitor analysis
- Bank-owned underwriters in Portugal secure more than 60% of total non-life
premiums written
11.0 SPAIN
- Introduction to the banking sector
- The main wave of consolidation in Spanish retail banking has now taken
place
- Many of Spain' s savings banks are characterised by an independent,
entrepreneurial spirit
- Caser occupies a unique position in the Spanish bancassurance market
- Market overview
- Gross premiums written surge for both general liability and commercial
property insurance
- Bancassurance
- Banking institutions in Spain have made some progress in non-life
bancassurance...
- ... and their share of commercial lines may be higher than indicated by
the official figures
- Survey results
- Penetration rates
- Virtually all Spanish banks serving business customers offer commercial
lines policies
- Only five types of business insurance policy are marketed by fewer than
50% of banks
- Operating models
- Spanish banks are as likely to use a brokerage or quasi-brokerage model as
a single partner...
- ... a finding which applies increasingly to the savings banks as well as
private sector banks...
- ... and that results in a comparatively high percentage displaying varied
apps. in this arena
- Partner market shares
- Although challenged by alternative provs., Caser is still dominant in the
savings bank channel
- Strategic bancassurance partnerships often extend to business insurance
policies...
- ... although a high number of large and medium-sized banks have opted for
a brokerage model
- Captive underwriters are used for commercial lines policies by a handful
of Spanish banks
- Competitor analysis
- The majority of non-life bancassurers in Spain are now making significant
advances...
- ... including Santander Seguros, which almost quadrupled its market share
from 2001 to 2005
12.0 UK / IRELAND
- Introduction to the banking sector
- Structural changes to the UK business banking landscape have reached a
hiatus
- Overseas competitors in UK business banking occupy a comparatively
peripheral position
- In Ireland, the traditional duo. of AIB and Bank of Ireland has been
challenged by new entrants
- Market overview
- Gross premiums written surge for both general liability and commercial
property insurance
- Bancassurance
- Bank-owned distribution is boosted by the captive operations of HBOS and
RBoS...
- ... however, a smaller percentage of customers perceive that they are
buying from their bank
- Around 7.8% of small businesses source their main business insurance
package from a bank
- In general, Irish banks display less enthusiasm for non-life bancassurance
than those in the UK
- Survey results
- Penetration rates
- AIB is the largest bank with no current involvement in commercial lines
bancassurance
- No forms of business insurance policy are marketed by more than 50% of UK
and Irish banks
- Operating models
- There is a strong culture for using external or internal brokerages for
business insurance
- Only First Trust Bank, HSBC, NatWest and Royal Bank of Scotland display a
varied approach
- Partner market shares
- Some underwriters enjoy direct bancassurance links for packaged commercial
insurance...
- ... although Bank of Scotland / Halifax and Co-operative Bank both work
with an external broker
- ... and mainstream covers are underwritten on a captive basis for both
NatWest and RBoS
- Competitor analysis
- The non-life business of Royal Bank of Scotland saw growth stagnate in
2004 and 2005
- Smart & Cook' s purchase of the HBOS broking operation provides it with a
major relationship
- The status of HSBC Insurance Brokers as a major bank-owned ins.
intermediary is unique
GRAPHICS / TABLES
- Business banks contacted for the research, segmented by type and by country
- Split of commercial non-life insurance markets in Europe by country, 2001-5
- Split of commercial non-life insurance markets in Europe by type of
insurance, 2001-5
- Comparison of bank distribution of any form of commercial non-life
insurance in Europe, 2006
- Comparison of bank distribution of agricultural insurance in Europe, 2006
- Comparison of bank distribution of business interruption insurance in
Europe, 2006
- Comparison of bank distribution of business loan payment protection
insurance in Europe, 2006
- Comparison of bank distribution of commercial motor / fleet insurance in
Europe, 2006
- Comparison of bank distribution of commercial property insurance in
Europe, 2006
- Comparison of bank distribution of directors' and officers' liability
insurance in Europe, 2006
- Comparison of bank distribution of electronic / machinery insurance in
Europe, 2006
- Comparison of bank distribution of general / product / public liability
insurance in Europe, 2006
- Comparison of bank distribution of goods-in-transit / cargo insurance in
Europe, 2006
- Comparison of bank distribution of key man insurance in Europe, 2006
- Comparison of bank distribution of legal expenses insurance in Europe, 2006
- Comparison of bank distribution of loss of license insurance in Europe,
2006
- Comparison of bank distribution of partnership / shareholder protection
insurance in Europe, 2006
- Comparison of bank distribution of surety bonds in Europe, 2006
- Comparison of bank distribution of trade credit insurance in Europe, 2006
- Comparison of operating models used for commercial lines bancassurance in
Europe, 2006
- Comparison of unified / varied approaches to commercial non-life insurance
in Europe, 2006
- Gross premiums written for commercial non-life insurance in Austria, 2001-5
- Bank provision of commercial non-life insurance in Austria: penetration
rates, 2006
- Bank provision of commercial non-life insurance in Austria: overview of
pen. rates by type of insurance, 2006
- Bank provision of commercial non-life insurance in Austria: overview of
operating models, 2006 (1)
- Bank provision of commercial non-life insurance in Austria: overview of
operating models, 2006 (2)
- Bank provision of commercial non-life insurance in Austria: overview of
partner market shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Austria, 2003-5
- Gross premiums written for commercial non-life insurance in Belgium, 2001-5
- Bank provision of commercial non-life insurance in Belgium: penetration
rates, 2006
- Bank provision of commercial non-life insurance in Belgium: overview of
pen. rates by type of insurance, 2006
- Bank provision of commercial non-life insurance in Belgium: overview of
operating models, 2006 (1)
- Bank provision of commercial non-life insurance in Belgium: overview of
operating models, 2006 (2)
- Bank provision of commercial non-life insurance in Belgium: overview of
partner market shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Belgium, 2003-4
- Gross premiums written for commercial non-life insurance in France, 2001-5
- Bank provision of commercial non-life insurance in France: penetration
rates, 2006
- Bank provision of commercial non-life insurance in France: overview of
pen. rates by type of insurance, 2006
- Bank provision of commercial non-life insurance in France: overview of
operating models, 2006 (1)
- Bank provision of commercial non-life insurance in France: overview of
operating models, 2006 (2)
- Bank provision of commercial non-life insurance in France: overview of
partner market shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
France, 2003-4
- Gross premiums written for commercial non-life insurance in Germany, 2001-5
- Bank provision of commercial non-life insurance in Germany: penetration
rates, 2006
- Bank provision of commercial non-life insurance in Germany: overview of
pen. rates by type of ins., 2006
- Bank provision of commercial non-life insurance in Germany: overview of
operating models, 2006 (1)
- Bank provision of commercial non-life insurance in Germany: overview of
operating models, 2006 (2)
- Bank provision of commercial non-life insurance in Germany: overview of
partner market shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Germany, 2001-4
- Gross premiums written for commercial non-life insurance in Italy, 2001-5
- Bank provision of commercial non-life insurance in Italy: penetration
rates, 2006
- Bank provision of commercial non-life insurance in Italy: overview of pen.
rates by type of insurance, 2006
- Bank provision of commercial non-life insurance in Italy: overview of
operating models, 2006 (1)
- Bank provision of commercial non-life insurance in Italy: overview of
operating models, 2006 (2)
- Bank provision of commercial non-life insurance in Italy: overview of
partner market shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Italy, 2001-5
- Gross premiums written for commercial non-life insurance in the
Netherlands, 2001-5
- Bank provision of commercial non-life insurance in the Netherlands:
penetration rates, 2006
- Bank provision of comm. non-life insurance in the N' lands: overview of
pen. rates by type of ins., 2006
- Bank provision of commercial non-life insurance in the Netherlands:
overview of operating models, 2006 (1)
- Bank provision of commercial non-life insurance in the Netherlands:
overview of operating models, 2006 (2)
- Bank provision of commercial non-life insurance in the Netherlands:
overview of partner market shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
the Netherlands, 2003-4
- Gross premiums written for commercial non-life insurance in the Nordic
region, 2001-5
- Bank provision of commercial non-life insurance in the Nordic region:
penetration rates, 2006
- Bank provision of comm. non-life insurance in the Nordic region: overview
of pen. rates by type of ins., 2006
- Bank provision of commercial non-life insurance in the Nordic region:
overview of operating models, 2006 (1)
- Bank provision of commercial non-life insurance in the Nordic region:
overview of operating models, 2006 (2)
- Bank provision of commercial non-life ins. in the Nordic region: overview
of partner market shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
the Nordic region, 2002-5
- Gross premiums written for commercial non-life insurance in Portugal,
2001-5
- Bank provision of commercial non-life insurance in Portugal: penetration
rates, 2006
- Bank provision of comm.. non-life insurance in Portugal: overview of pen.
rates by type of insurance, 2006
- Bank provision of commercial non-life insurance in Portugal: overview of
operating models, 2006 (1)
- Bank provision of commercial non-life insurance in Portugal: overview of
operating models, 2006 (2)
- Bank provision of commercial non-life insurance in Portugal: overview of
partner market shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Portugal, 2001-4
- Gross premiums written for commercial non-life insurance in Spain, 2001-5
- Bank provision of commercial non-life insurance in Spain: penetration
rates, 2006
- Bank provision of commercial non-life insurance in Spain: overview of pen.
rates by type of insurance, 2006
- Bank provision of commercial non-life insurance in Spain: overview of
operating models, 2006 (1)
- Bank provision of commercial non-life insurance in Spain: overview of
operating models, 2006 (2)
- Bank provision of commercial non-life insurance in Spain: overview of
partner market shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Spain, 2001-5
- Gross premiums written for commercial non-life insurance in the UK, 2001-5
- Bank provision of commercial non-life insurance in the UK: penetration
rates, 2006
- Bank provision of commercial non-life insurance in the UK: overview of
pen. rates by type of insurance, 2006
- Bank provision of commercial non-life insurance in the UK: overview of
operating models, 2006 (1)
- Bank provision of commercial non-life insurance in the UK: overview of
operating models, 2006 (2)
- Bank provision of commercial non-life insurance in the UK: overview of
partner market shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
the UK, 2001-5
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