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以大眾富裕層為目標(2021年最新版)- 持續性與成長的關鍵

Mass Affluent Target Propositions, 2021 Update - A Key for Sustainability and Growth

出版日期: | 出版商: GlobalData | 英文 42 Pages | 訂單完成後即時交付

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  • 全貌
  • 簡介
  • 目錄
簡介

近年來,針對大眾富裕人群已經成為銀行和財富管理機構的優先事項。一些銀行對透過專門的服務來吸引這一人群並不陌生,但在這個數位化轉型時期,對這個利潤豐厚(但有些未開發)的群體的競爭正在上升。財富管理機構的競爭加劇和監管成本、銀行的低利率以及熱衷於維持業務的新數位進入者都是眾多參與者瞄準大眾富裕人群的原因。

本報告以全球大眾富裕層市場為焦點,提供市場現狀與今後的規模考察,銀行如何以大眾富裕層為目標,他們的主張如何隨著時間的發展而演變,他們提供哪些服務,以及他們的大眾富裕主張的優勢在哪裡。

目錄

  • 摘要整理
  • 市場概要
  • 主要調查結果
  • 重要的成功要素
  • 市場規模與預測
  • 全球富裕階級市場預計2021年增加8%,超越150兆美元
  • 大眾富裕階級的投資者,2021年增加6.4%超越78兆美元的與預測
  • 大眾富裕層的投資者維持分散組合
  • 大眾富裕階級的閾值與按國家和銀行不同
  • 把大眾富裕階級做為目標,成為永續性與成長的關鍵
  • 有競爭力的動態
  • 大眾富裕的力量是巨大市場佔有率的產物
  • 利基大眾富裕命題正在同步推出
  • 新興的富裕人士和新的高淨值人士並沒有被忽視
  • HSBC Premier
  • DBS Treasures
  • Citigold
  • Barclays Premier
  • Bank of America's Merrill Edge

附錄

  • 簡稱和縮寫
  • 第二手資料
  • 參考文件
  • 關於GlobalData
  • 諮詢方式
目錄
Product Code: GDFS0334IA

Targeting the mass affluent demographic has worked its way up the priority list for banks and wealth managers in recent years. Some banks are not new to capturing this demographic with dedicated services, but in this digital transformation period competition for this lucrative (yet somewhat untapped) group is on the rise. Heightened competition and regulatory costs for wealth managers, low interest rate margins for banks, and new digital entrants keen to keep their business afloat are all reasons a host of players are targeting the mass affluent.

Using proprietary datasets, this report provides insight on the size of the current and future global mass affluent market. The report also examines how a selection of banks have targeted the mass affluent demographic, how their propositions have evolved over time, which services they offer, and where the strengths lie in their mass affluent propositions.

Scope

  • The global wealth market will increase by 8% in 2021, surpassing the $150tn mark.
  • With 2021 expected to be a more prosperous year than 2020, mass affluent investors will see their wealth grow by 6.4% in 2021, rising to just over $78tn.
  • On average, banks with the overall largest share in a market also tend to have the largest proportion of mass affluent individuals.

Reasons to Buy

  • Understand the size of the mass affluent market opportunity, currently and over the next five years.
  • Gain insight on mass affluent investor behaviors.
  • Compare your mass affluent proposition to those of banks with the largest market share in selected countries.

Table of Contents

Table of Contents

  • Executive Summary
  • Market overview
  • Key findings
  • Critical success factors
  • Sizing and Forecasting
  • The global wealth market will increase by 8% in 2021, surpassing the $150tn mark
  • Mass affluent investors will see their wealth grow by 6.4% in 2021 to just over $78tn
  • Mass affluent investors maintain a diversified portfolio
  • Mass affluent thresholds vary across countries and banks
  • Targeting the mass affluent is key for sustainability and growth
  • Competitive Dynamics
  • Mass affluent strength is an outgrowth of a large market share
  • Niche mass affluent propositions are being launched at pace
  • The emerging affluent and new HNW individuals are not being neglected
  • HSBC Premier
  • DBS Treasures
  • Citigold
  • Barclays Premier
  • Bank of America's Merrill Edge

Appendix

  • Abbreviations and acronym
  • Secondary sources
  • Further reading
  • About GlobalData
  • Contact Us

List of Tables

List of Tables

  • Table 1: Mass affluent proposition thresholds vary from bank to bank
  • Table 2: HSBC Hong Kong offers dedicated services for the mass affluent, HNW, and UHNW
  • Table 3: HSBC Premier services (Hong Kong)
  • Table 4: DBS offers three services, ranging from the mass affluent to the UHNW
  • Table 5: DBS Treasures (Singapore)
  • Table 6: Citibank targets the emerging affluent as well as mass affluent and HNW individuals
  • Table 7: Citigold US services
  • Table 8: Barclays provides dedicated services for mass affluent to UHNW individuals
  • Table 9: Barclays Premier services
  • Table 10: Bank of America offers multiple options for different affluent groups
  • Table 11: Bank of America Merrill Edge provides services for the mass market to the mass affluent

List of Figures

List of Figures

  • Figure 1: The value of liquid assets for the mass affluent will surpass $90tn by 2025
  • Figure 2: The mass affluent market harbors the largest share of wealth across most regions
  • Figure 3: Mass affluent investors have diversified portfolios despite property holding a significant proportion
  • Figure 4: Mass affluent consumers prefer a wide range of providers for their investments
  • Figure 5: Most wealth managers agree that robo-advice can help reach untapped demographics
  • Figure 6: Net interest margins for banks have either stagnated or reduced over the past decade
  • Figure 7: Banks' overall current account market share correlates with their mass affluent market share
  • Figure 8: HSBC leads in Hong Kong in terms of mass affluent market share
  • Figure 9: HSBC Premier customers have Premier status worldwide - something few competitors can match
  • Figure 10: DBS leads in terms of mass affluent current account market share in Singapore
  • Figure 11: The DBS Treasures website leads with a focus on technology
  • Figure 12: DBS Wealth Chat was launched in 2018
  • Figure 13: Citibank does not have a significant share of the mass affluent current account market in any country
  • Figure 14: Citigold provides a wide range of travel and lifestyle benefits
  • Figure 15: The UK mass affluent market is spread across multiple players
  • Figure 16: Barclays Premier offers exclusive services on top of its Personal Banking proposition
  • Figure 17: Bank of America holds over a quarter of the mass affluent current account market in the US
  • Figure 18: Merrill Edge offers three different digital investment and trading platforms, including a hybrid option