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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