Marketing Financial Services to the Over 50s

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Marketing Financial Services to the Over 50s"

Transcription

1 A Datamonitor report Marketing Financial Services to the Over 50s Published: Dec-04 Product Code: Providing you with: Use this report to Better plan your business strategies with the help of in-depth analysis into the financial behavior, needs and preferences of the over 50s Analysis of the UK financial market and over 50s in the UK Data provided by Mori FS, analyzed with respect to three age groups 50 to 64 years; 65 to 74 years; 75 years and over Data analyzed with respect to different household income bands Analysis of retail banking, general insurance, life and pensions and savings and investment

2 An introduction to the report 19.8 million people in the UK were aged 50 and over in By 2031, the over 50s population will have increased by a further 37 per cent, according to the ONS. In vying to attract and secure this significant customer segment, financial services institutions will need to fully understand the financial needs and attitudes of the over 50s. This report will be essential reading to organizations seeking to improve their product offering through customer segmentation. The wide range of financial services covered in this study means that it will be of use to banks, building societies, insurance companies, life assurance providers, brokers and asset managers. Within these organizations, the following will find this report of interest: strategic planners, heads of customer strategy, business development managers, business analysts, researchers, product managers and marketing managers. Key findings and highlights While taking into consideration the various life-changing events contributes enormously in better addressing the needs of senior customers, players must ensure they stay tuned with the undergoing changes among the over 50s. Many marketers tend to ignore the changes happening among senior customers and often take them for granted. Similar to the population as a whole, the over 50s are shifting towards combined contents and buildings insurance products, rather than contracting standalone household insurance products. Ownership of combined household insurance has increased from 2000 to from 39 to 49 per cent respectively. Older consumers' aspirations are much more personal than those of younger consumers. For example, a younger consumer may want to look highly fashionable, whereas someone in their 60s is more likely to want to look good for their age. Rather than showing all-too-youthful 60-year olds, marketers should play on the pride of being older. Reasons to buy Better plan your business strategies with the help of in-depth analysis into the financial behavior, needs and preferences of the over 50s Know your competitors better with our exclusive information on what other players are doing with respect to the over 50s Benefit from our recommendations on how to better target this important customer group Contact us... From Europe: tel: fax: From Germany: tel: fax: From the US: tel: fax: From Asia Pacific: tel: fax:

3 Sample pages from the report Product Holding and Distribution Channels 11 per cent of the over 50s are planning to top up, take out or change their household insurance Household insurance is expected to undergo significant changes among the over 50s, especially among the pre-retired where 15 per cent stated they were either going to change, top up or take a new household insurance policy. There are various plausible explanations for this, such as: Product Holding and Distribution Switching to a cheaper insurance Channels policy; Some over 50s are planning to downsize; Investing in house extension projects; Figure 25: Average value of savings increased with higher income groups, Moving from standalone building and household policies to a combined one as seen previously, there is a tendency among the over 50s to take combined policies. 120, ,802 More than 10 per cent in the pre-retired 100,000.0 group are planning to Product Holding 85,634and Distribution modify their savings and investments portfolios 80,000.0 Channels Similar to general insurance, the over 50s are more likely to alter their savings and 60, ,414 investments portfolios. This is not surprising, given that this customer group holds a significant amount of wealth and is more likely to modify their portfolios, 39,378most 40,000.0 Segmentation by age showed that motor insurance is more popular among the probably by topping up their existing portfolios or by taking new products rather than 50 to 64 age group changing provider. This is the case because, as covered previously, 19,954 20,000.0 the over 50s tend to take their savings and investments products with their existing provider, asthe analyzed data logically highlights that motor insurance has a higher penetration they already know what to expect in terms of quality of service. 0 among the young end of the over 50s, with 74 per cent having such an insurance. 0 Elderly customers are less likely to have a motor insurance as many stop driving The above predicted future behavior of the over 50s further confirms the hugemainly because of health deterioration. potential of this specific customer base. The pre-retired group appears to offer more opportunities in the sense that they are active within a larger spectrum of products. Figure 17: Motor insurance cover is very high among the years However, the retired group and to a lower extent the elderly retired also provide an group, attractive segment for general insurance providers and savings and investment Income bands providers. 75+ Note: The base is over 50s who have savings. None of these Weighted average value of savings ( ) Source: Datamonitor, MFS Under 15,499 15,500-24,999 25,000-39,999 40,000-49,999 50,000+ DA TA MO NI TO R Motor insurance Combined contents and Simple products such as ISAs and premium bonds are among the favored buildings insurance products Home building Analysis of the different types of savings and investment insurance product showed that simple products such as ISAs, premium bonds and stocks and shares are preferred by Datamonitor (Published 12/2004) Page 71 Home contents seniors. The fact that ISAs offer tax incentives is mainly accountable for their high This report is a licensed product and is not to be photocopied insurance take-up, as is the fact that they are relatively easy to understand. There is a lower tendency for the over 50s to opt for more complex products such 0.0% as 10.0% unit trusts, 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% probably because such products can be confusing to understand, especially for those Percentage of respondents who are not financially savvy. Note: Please refer to the Appendix for corresponding data. However, MFS data also shows that the over Source: 50s Datamonitor, are more MFS likely to have more D A T A M O N I T O R complex products than the population as a whole. For instance, ownership of Income segmentation revealed that insurance cover increases with higher income Datamonitor (Published 12/2004) Page 67 This report is a licensed product and is not to be photocopied Segmenting the over 50s by income showed that penetration of general insurance increased with higher income earnings. Since higher income earners generally have more disposable income than lower income groups, it is likely that the former will be in a better position to afford non-compulsory insurance products. With regard to compulsory insurance such as motor, penetration is relatively low in the lowest income group as not many customers in this income band are able to afford a car. Datamonitor (Published 12/2004) Page 55 This report is a licensed product and is not to be photocopied Request more sample pages...for FREE! From Europe: tel: fax: From Germany: tel: fax: From the US: tel: fax: From Asia Pacific: tel: fax:

4 Table of contents EXECUTIVE SUMMARY INTRODUCTION What is this report about? Who is the target reader? How to use this report THE OVER 50S POPULATION Demographic trends - The UK: an aging population - Seniors are the most affluent age category Life-changing events after 50 - Life events after 50 act as a catalyst for changes in attitude, interests and consumption behavior - Life-changing events for over 50s are far from static - Conclusions Segmenting the over 50s - Datamonitor's segmentation of the over 50s Conclusions PRODUCT HOLDING AND DISTRIBUTION CHANNELS Product holding among the over 50s - Retail banking - General insurance - Life insurance and pensions - Savings and investments How the product holding of the over 50s is likely to change in the next five years? - Motor insurance will change as the over 50s grow older - 11 per cent of the over 50s are planning to top up, take out or change their household insurance - More than ten per cent in the pre-retired group are planning to modify their savings and investments portfolios - Analysis by income band confirms that general insurance and savings and investments are most likely to witness major changes Distribution preferences of the over 50s - Retail banking - General insurance - Life insurance and pensions - Investments Conclusions FACTORS INFLUENCING PROVIDER CHOICE Retail banking - Current accounts: major providers and reasons for choice - Credit cards: major providers and reasons for choice General insurance - Who are the major general insurance providers among the over 50s? - What factors motivate the over 50s in choosing a general insurance provider? Life insurance - Who are the major providers for life insurance among the over 50s? - What factors motivate the over 50s in choosing a life insurer? Savings and investments - Who are the major savings providers among the over 50s? - What factors influence the over 50s in choosing a savings provider? Conclusions RECOMMENDATIONS FOR TARGETING THE OVER 50S Which financial products are worth targeting? - Is it worth offering better rates in order to retain switchers among the over 50s? - Should banks concentrate their efforts on offering package products to the over 50s? - Credit cards: providers should concentrate their efforts on securing the pre-retired customer base - Mortgages: senior customers with a significant amount of savings can help their offspring with their mortgage - Household insurance: consider segmenting the over 50s customer base by income - Motor insurance: pay as you drive for the retired? - Life insurance: rebuilding trust is critical - Savings and investments offer a window of opportunity to the over 50s Communicating with the over 50s - How to communicate better with the over 50s? Conclusions APPENDIX TABLES Table 1: UK population segmented by age (000s), 1998 to e Table 2: General insurance cover among the over 50s, by income segmentation, Table 3: Which products will you consider changing, taking out or topping up in next 5 years, split by age group, Table 4: The future behaviour of the over 50s as regards to topping up, taking or changing financial products in the next five years, split by income band,...more over 50s take adventure holidays than younger people, more over 50s own fast cars than younger people. This is something that is often forgotten by those responsible for marketing...

5 Table 5: Channels used by the over 50s to initiate the first approach to credit card providers, split by income bands, Table 6: Reasons mentioned by the over 50s for preferring face-to-face contact, Table 7: Channels used by the over 50s to arrange their motor insurance, split by age group, Table 8: Channels used by the over 50s to arrange their motor insurance, split by income band, Table 9: Channels used by the over 50s to arrange their household insurance, split by age group, Table 10: How the over 50s arranged their life policies, by age group, 2001 and Table 11: Top 5 most used current account providers among the over 50s, split by age group, Table 12: Current accounts satisfaction level among the over 50s, split by various factors, Table 13: Reasons mentioned by the over 50s for choosing their credit card/s, split by age groups, Table 14: Spontaneous awareness of the brand of banks and building societies, Table 15: Top five general insurance providers among the over 50s, split by age group, Table 16: Reasons given by the over 50s for choosing their life insurer, split by age group, Table 17: Previous experience with the savings and investments provider is the dominant factor in all age groups within the over 50s, Table 18: Methods used by the over 50s for finding out information about a particular financial product, Table 19: Expected further number of years of life at ages 50 and 65, 2004 Table 20: Ownership of retail banking products among the over 50s, 2000 and Table 21: Ownership of retail banking products among the over 50s, segmented by age group, Table 22: Ownership of retail banking products among the over 50s, segmented by income band, Table 23: Ownership of general insurance products among the over 50s, 2000 and Table 24: Ownership of general insurance products among the over 50s, segmented by age, Table 25: Type of life policy held by the over 50s, Table 26: Ownership of life assurance among the over 50s, segmented by age group, Table 27: Ownership of pension among the over 50s, 2001 and Table 28: Ownership of pension schemes among the over 50s by type, 2001 and Table 29: Reasons mentioned by the over 50s in employment for not having a pension, Table 30: Reasons mentioned by the over 50s in employment for not contributing in a pension, segmented by income band, Table 31: Types of investment held by the over 50s, split by age group, Table 32: Channels used by the over 50s for initial contact with current account providers, split by age group, Table 33: Channels used by the over 50s to initiate first approach to credit card providers, split by age group, Table 34: Channels used by the over 50s to arrange their motor insurance, split by income band, Table 35: Channels used by the over 50s to arrange their household insurance, split by income band, Table 36: How the over 50s arranged for their life policies, by income band, Table 37: How the over 50s made their initial approach to their life insurer, by age group, Table 38: Who arranged your investment products?, Table 39: Channels used by the over 50s to approach their savings and investment products provider for the first time, 2000 and Table 40: Reasons mentioned by the over 50s for choosing their current account provider, segmented by income band, (part 1 of 2) Table 41: Reasons mentioned by the over 50s for choosing their current account provider, segmented by income band, (part 2 of 2) Table 42: Reasons given by the over 50s for choosing their credit card/s, split by age group, 2000 Table 43: The length of time the over 50s have held their current credit card, split by age groups, Table 44: The proportion of over 50s having cancelled a credit card during the last 12 months, split by age groups, Table 45: Reasons given by the over 50s for holding their current credit cards, segmented by income band, (Part 1 of 3) Table 46: Reasons given by the over 50s for holding their current credit cards, segmented by income band, (Part 2 of 3) Table 47: Reasons given by the over 50s for holding their current credit cards, segmented by income band, (Part 3 of 3) Table 48: Most used providers among the over 50s for general insurance products indexed to Norwich Union's percentage response, Table 49: Reasons mentioned by the over 50s for choosing their general insurance provider, split by age groups, Table 50: Reasons mentioned by the over 50s for choosing their general insurance provider, split by income band, Table 51: Reasons mentioned by the over 50s for choosing their motor insurance provider, segmented by age group, Table 52: Reasons mentioned by the over 50s for choosing their motor insurance provider, split by income band, Table 53: Reasons mentioned by the over 50s for choosing their household insurance provider, split by age group,...as customers think more broadly about their retirement income, they will consider new ways of making provision for retirement that go beyond the traditional pension...

6 Table 54: Table 55: Table 56: Table 57: FIGURES Figure 1: Figure 2: Figure 3: Figure 4: Figure 5: Reasons mentioned by the over 50s for choosing their household insurance provider, split by income band, Reasons given by the over 50s for choosing their life insurance provider, split by income band, Other reasons mentioned by the three age sub-groups for choosing the savings and investments provider, What channels of communication do you believe will be successful in reaching seniors? 52 per cent of the over 50s are in the 50 to 64 age group, 2002 Combined contents and buildings insurance is replacing standalone household products among the over 50s, 2000 and The average savings value among the over 50s is more than 25,000 for the three age sub-groups, Face-to-face is the preferred channel but the post is also used to initiate the first contact to credit card providers, Insurance specialists lead the way, but over 50s specialists Saga and Age Concern also have a strong presence among the over 50s, Figure 6: Life expectancies for UK women and men aged 50 and over are increasing, 1999 to 2020 Figure 7: 52 per cent of the over 50s are in the 50 to 64 age group, 2002 Figure 8: 63 per cent of wealthy individuals were aged 56 and over in Figure 9: The highest proportion of net wealth is concentrated among older people, 2002 Figure 10: The over 50s are now more willing to get into debt, 2004 Figure 11: The Plan from the Pru addressing life-changing events to serve customers better, October 2004 Figure 12: Structure of chapter 4 'Product holding and distribution channels', 2004 Figure 13: Current accounts are still the most popular product among the over 50s with a higher penetration in, 2000 and. Figure 14: Unsurprisingly, ownership of retail banking products is highest among the years group Figure 15: Penetration of credit cards increases with a higher household income band, Figure 16: Combined contents and buildings insurance is replacing standalone household products among the over 50s, 2000 and Figure 17: Motor insurance cover is very high among the years group, Figure 18: Whole life policies remain popular but penetration is lower than in 2000, 2000 and Figure 19: Figure 20: Figure 21: Figure 22: Figure 23: Figure 24: Figure 25: Figure 26: Figure 27: Figure 28: Figure 29: Figure 30: Figure 31: Figure 32: Figure 33: Figure 34: Figure 35: Figure 36: Figure 37: Figure 38: Figure 39: Life assurance products have the highest penetration among the 50 to 64 age group, Ownership of pension schemes among the over 50s increased by three per cent from 2001 to, 2001 and Penetration of employer pension schemes increased further in, 2001 and 27 per cent of the over 50s in employment stated that they are not contributing in a pension since they do not have any spare money to do so, As expected, those in low income groups do not contribute in a pension mainly because of no spare money, The average savings value among the over 50s is more than 25,000 for the three age sub-groups, Average value of savings increased with higher income groups, ISAs are the preferred savings product among all age sub-groups within the over 50s, Face-to-face is the most used medium among all age sub-groups for current accounts, Face-to-face is the preferred channel but the post is also used to initiate the first contact with credit card providers, The majority of the 65+ arranged their life policy through their insurer's representative, The importance of IFAs increases for higher income bands, More than 80 per cent in all age groups initially made contact with their life provider face-to-face, 27 per cent of the over 50s arranged their investment products through an IFA, Face-to-face is the channel of choice for the over 50s when approaching their savings and investment providers for the first time, 2000 and Structure of chapter 5 'Factors affecting provider choice', 2004 Lloyds TSB is by far the leading current account provider among the over 50s, 'Near where I live' is the most cited reason for choosing a current account provider by the three age sub-groups, A greater number of customers have switched their current account from Barclays and Lloyds TSB during, 92 per cent of the over 50s are either fairly or very satisfied with their current account provider, Barclaycard is the leading credit card provider among the over 50s, For the full list of figures, with TOC in the subject line. Contact us... From Europe: tel: fax: From Germany: tel: fax: From the US: tel: fax: From Asia Pacific: tel: fax:

7 Datamonitor: Your total information solution Datamonitor is a premium business information company helping 5,000 of the world's leading companies across the Automotive, Consumer Markets, Energy, Financial Services, Healthcare and Technology sectors. Our products and services are specifically designed to support our clients key business processes - from corporate strategy to competitive intelligence. We provide an independent and trustworthy source of data, analysis and forecasts to improve these processes and ultimately, to help grow your business. Corporate Strategy & Business Planning Product Development & Commercialization Targeting & Influencing the Market Market & Competitive Intelligence Quality Data Expert Analysis Future Forecasts Make more effective strategic and business decisions Accelerate delivery of commercial success Assess and influence your commercial and market environment Maintain or obtain critical competitive advantage HELPING TO GROW YOUR BUSINESS No-one speaks louder than our clients Abbey ABN AMRO AIB Bank AIG Alliance & Leicester American Express AXA Bank of Ireland Barclays BNP Paribas Bradford & -Bingley BUPA Capital One Citibank Commerzbank Co-operative Group Crédit Agricole Crédit Lyonnais Credit Suisse Deutsche Bank Dresdner Bank Fortis Friends Provident Gartmore GE Group Halifax Plc HBOS HFC HSBC ING Intelligent Finance Invesco JP Morgan Legal & General Lloyd s of London Lloyds TSB Marsh MBNA Merrill Lynch National Australia Group Nationwide Building Society NFU Mutual NM Rothschild Nordea Asset Management Prudential Rabobank Royal & SunAlliance Royal Bank of Scotland Scottish Widows Skandia International Société Générale Standard Life Group UBS VISA Western Union Zurich Group For 91% of our clients, Datamonitor research helps their company to respond to competitive threats Source: Datamonitor Customer Research

8 Interested in this topic? Datamonitor has been serving the world's leading retail banks for more than a decade. Our research and analysis cover personal lending, mortgages, retail finance, ebanking, channel strategies, bancassurance and many other fast-moving retail banking markets. The core range of retail banking market reports is supported by a range of briefs on the hottest issues in the lending and mortgages markets, looking at topics from Equity Release Mortgages to Customer Acquisition in Personal Lending. Other reports in this series Marketing and Advertising in UK Financial Services 2004 Coming soon! Analyzes marketing and advertising strategies for targeting UK financial consumers Published: Jan-05 Product code: DMFS1732 Customer Acquisition in UK Financial Services Draws on consumer data and industry interviews to examine the issue of customer acquisition across a range of financial services markets including general insurance, retail banking, savings and investments and protection Published: Jul-04 Product code: DMFS1677 For more information on reports and briefs go to: Subscribe to Monitor A monthly update of Datamonitor's new products, delivered to you by .

9 Place your order now... Fax back to (from Europe) or (from the US) I would like to order: Product title Product code Price / / $ / * * Please refer to our website for up-to-date prices Complete your details: Name Job Title Department Company Address State/Province Post Code/ZIP Country Tel Fax Sign below to confirm your order: Complete payment details: Please indicate your preferred currency option: UK Euro US$ Yen I enclose a check payable to Datamonitor plc for (+ p+p $30 UK / $60 rest of world) Please invoice my company for (+ p+p $30 UK / $60 rest of world) Please debit my credit/charge card Amex Visa Diners Mastercard Card No Expiry Date / Cardholder Signature Cardholder address Please supply purchase order number here if required by your accounts department: EU companies (except UK) must supply: VAT / BTW / MOMS / MWST / IVA / FPA number: Datamonitor products and services are supplied under Datamonitor s standard terms and conditions, copies of which are available on request. Payment must be received within 28 days of receipt of invoice. I do not want to receive future mailings from Datamonitor and its related companies. Occasionally, our client list is made available to other companies for carefully selected mailings. Please check here if you do not wish to receive such mailings. WEB From Europe: tel: fax: From Germany: tel: fax: From the US: tel: fax: From Asia Pacific: tel: fax: Contact us to find out more about our products and services

UK Bridging Loans 2006

UK Bridging Loans 2006 A Datamonitor Report timely UK Bridging Loans 2006 Publication Date: Nov-06 Product Code: Reacting to the latest news breaking in your industry focused primary research Bridging loans are short-term secured

More information

UK General Insurance Competitor Tracker - Q2 2007 (Competitor Focus)

UK General Insurance Competitor Tracker - Q2 2007 (Competitor Focus) A Datamonitor Brief timely UK General Insurance Competitor Tracker - Q2 2007 (Competitor Focus) Reacting to the latest news breaking in your industry focused Publication Date: Jul-07 Product Code: primary

More information

UK Motorcycle Insurance

UK Motorcycle Insurance A Datamonitor Brief timely UK Motorcycle Insurance Publication Date: Nov-04 Product Code: Reacting to the latest news breaking in your industry focused primary research This report is a consolidated source

More information

The Role of Banks and Building Societies in UK General Insurance

The Role of Banks and Building Societies in UK General Insurance A Datamonitor report The Role of Banks and Building Societies in UK General Insurance Current and Future Trends Published: Dec-04 Product Code: Providing you with: Current and future market shares of the

More information

UK Critical Illness and Income Protection Insurance 2008

UK Critical Illness and Income Protection Insurance 2008 A Datamonitor report UK Critical Illness and Income Protection Insurance 2008 An In-Depth Analysis of the CII and IP Markets Published: Nov-08 Product Code: DMFS2252 Providing you with: Recommendations

More information

The Potential for Bundled Insurance Products

The Potential for Bundled Insurance Products A Datamonitor Brief timely The Potential for Bundled Insurance Products Publication Date: Aug-04 Product Code: Reacting to the latest news breaking in your industry focused Hundreds of hours of analyst

More information

Trends in High Interest Savings Accounts in Australia

Trends in High Interest Savings Accounts in Australia A Datamonitor report Trends in High Interest Savings Accounts in Australia A Product Type Undergoing Transformation Published: May-08 Product Code: DMFS2248 Providing you with: A comprehensive overview

More information

Long-term Care Insurance: Where are the Opportunities in Europe?

Long-term Care Insurance: Where are the Opportunities in Europe? A Datamonitor Brief timely Long-term Care Insurance: Where are the Opportunities in Europe? Reacting to the latest news breaking in your industry focused Publication Date: Jun-04 Product Code: primary

More information

Targeting NRIs in Wealth Management

Targeting NRIs in Wealth Management A Datamonitor report Targeting NRIs in Wealth Management A ready-made global wealth management customer segment Published: Apr-06 Product Code: Providing you with: Analysis on the growing trend among financial

More information

Customer Retention in the Life and Pension Market: To Have and To Hold

Customer Retention in the Life and Pension Market: To Have and To Hold A Datamonitor brief timely Customer Retention in the Life and Pension Market: To Have and To Hold Publication Date: Feb-04 Product Code: Reacting to the latest news breaking in your industry focused Hundreds

More information

Mutual Fund Distribution in Europe 2006

Mutual Fund Distribution in Europe 2006 A Datamonitor report Mutual Fund Distribution in Europe 2006 Published: May-06 Product Code: Scope: Sizes the distribution channels of mutual funds in five major European markets using FERI FMI data Draws

More information

UK Secured Personal Loans 2006

UK Secured Personal Loans 2006 A Datamonitor report UK Secured Personal Loans 2006 Published: Sep-06 Product Code: DMFS1890 Providing you with: Quantification of the size of the UK secured personal loan market (second charge market)

More information

Product Differentiation in Asia Pacific Credit Cards

Product Differentiation in Asia Pacific Credit Cards A Datamonitor Brief timely Product Differentiation in Asia Pacific Credit Cards Publication Date: Sep-04 Product Code: Reacting to the latest news breaking in your industry focused primary research In

More information

Competitor Profiles of the Top UK Commercial Insurers

Competitor Profiles of the Top UK Commercial Insurers A Datamonitor report Competitor Profiles of the Top UK Commercial Insurers Published: Jul-05 Product Code: Providing you with: Key statistical data on each of the players profiled including GEP, market

More information

UK Critical Illness Insurance 2004

UK Critical Illness Insurance 2004 A Datamonitor brief timely UK Critical Illness Insurance 2004 Reacting to the latest news breaking in your industry Publication Date: Apr-04 Product Code: Available as part of the Protection report package

More information

Global Consumer Money Transfer Market

Global Consumer Money Transfer Market A Datamonitor brief timely Global Consumer Money Transfer Market Publication Date: May-04 Product Code: Reacting to the latest news breaking in your industry focused Hundreds of hours of analyst time distilled

More information

The Future Role of Brandassurers in UK General Insurance

The Future Role of Brandassurers in UK General Insurance A Datamonitor Brief timely The Future Role of Brandassurers in UK General Insurance A Brand New Insurance Channel Reacting to the latest news breaking in your industry focused Publication Date: Jun-04

More information

UK Employers Liability Insurance 2007

UK Employers Liability Insurance 2007 A Datamonitor report UK Employers Liability Insurance 2007 A comprehensive guide to the market Published: Apr-07 Product Code: Providing you with: Analyzis of the competitive issues and prevailing trends

More information

Targeting 30-44 year old Consumers in UK Household Insurance 2003

Targeting 30-44 year old Consumers in UK Household Insurance 2003 A Datamonitor report Targeting 30-44 year old Consumers in UK Household Insurance 2003 Published: Aug-03 Product Code: Why should you buy this report? 30-44 year olds spend more than any other age group

More information

Credit Risk and Bad Debt Management in the UK Retail Lending Market

Credit Risk and Bad Debt Management in the UK Retail Lending Market A Datamonitor report Credit Risk and Bad Debt Management in the UK Retail Lending Market Published: Jul-06 Product Code: Scope: Covers both the unsecured and secured lending markets including credit cards,

More information

UK Personal Injury Litigation 2004

UK Personal Injury Litigation 2004 A Datamonitor report UK Personal Injury Litigation 2004 Trial and Error Published: Dec-04 Product Code: Providing you with: Detailed examination of the trends in personal injury claims numbers and costs

More information

Best Practice in Wealth Management Asia Pacific

Best Practice in Wealth Management Asia Pacific A Datamonitor report Best Practice in Wealth Management Asia Pacific Published: May-05 Product Code: Providing you with: Analysis of best practice in wealth management around the globe, with a focus on

More information

UK Commercial Liability Insurance 2003

UK Commercial Liability Insurance 2003 A Datamonitor report UK Commercial Liability Insurance 2003 Published: Apr-03 Product Code: Why should you buy this report? There is little publicly available, quantitative data for the size and growth

More information

European Mortgage Markets

European Mortgage Markets A Datamonitor report European Mortgage Markets Identifying opportunities for Australian lenders Published: Jan-04 Product Code: DMFS1637 Providing you with: Market sizing and forecasts of gross advances

More information

Fleet Markets Presentation 2005

Fleet Markets Presentation 2005 A Datamonitor report Fleet Markets Presentation 2005 Published: Sep-05 Product Code: DMAU0279 Providing you with: Sizes of the company car market and main financing methods used within the market in the

More information

Current Account and Offset Mortgages

Current Account and Offset Mortgages A Datamonitor brief timely Current Account and Offset Mortgages Reacting to the latest news breaking in your industry focused Publication Date: Oct-03 Product Code: Hundreds of hours of analyst time distilled

More information

Horizontal BPO in North American Financial Services

Horizontal BPO in North American Financial Services A Datamonitor report Strategic scope drives renewed growth in horizontal BPO services Published: Oct-05 Product Code: Providing you with: In-depth discussion of human resources, finance and accounting

More information

Insurance Technology Vendor Market Shares in Europe and North America

Insurance Technology Vendor Market Shares in Europe and North America A Datamonitor report Insurance Technology Vendor Market Shares in Europe and North America Vendor Positioning and Strategic Outlook in Insurance Technology Published: Oct-04 Product Code: Providing you

More information

Outsourcing of Fleet Management in Mature Markets

Outsourcing of Fleet Management in Mature Markets A Datamonitor Brief timely Outsourcing of Fleet Management in Mature Markets Publication Date: Sep-06 Product Code: Reacting to the latest news breaking in your industry focused primary research Will the

More information

Vertical Guide to Call Centers in EMEA

Vertical Guide to Call Centers in EMEA A Datamonitor report Vertical Guide to Call Centers in EMEA Analyzing trends in EMEA call centers Published: Apr-04 Product Code: Providing you with: Use this report to... Determine the largest and fastest

More information

Customer Retention Strategies for the European Electricity Mid Market

Customer Retention Strategies for the European Electricity Mid Market A Datamonitor report Customer Retention Strategies for the European Electricity Mid Market Improving ROI while maximising retention rates Why buy this report? Published: Jul-03 Product Code: DMEN0257 Mid-market

More information

Business Intelligence and Analytics in European FS

Business Intelligence and Analytics in European FS A Datamonitor report Business Intelligence and Analytics in European FS Defining the market from a solutions perspective Published: Oct-03 Product Code: DMTC0935 Providing you with: Coverage over all major

More information

Financial Services Outsourcing and Services Targeting Key Insurance BPO Opportunities: NA and EMEA

Financial Services Outsourcing and Services Targeting Key Insurance BPO Opportunities: NA and EMEA A Datamonitor report Financial Services Outsourcing and Services Targeting Key Insurance BPO Opportunities: NA and EMEA Targeting market growth Providing you with: Published: Sep-06 Product Code: DMTC1654

More information

IT and Business Process Outsourcing in North American Financial Services

IT and Business Process Outsourcing in North American Financial Services A Datamonitor report IT and Business Process Outsourcing in North American Financial Services Published: Aug-04 Product Code: Providing you with: Coverage of North American financial services across retail

More information

An introduction to the report

An introduction to the report A Datamonitor report Call Center Outsourcing in EMEA Published: May-03 Product Code: DMTC0891 Why buy this report? Identify the fastest growing vertical and country markets across EMEA Understand the effects

More information

CRM for Small to Medium Business

CRM for Small to Medium Business A Datamonitor report CRM for Small to Medium Business Published: Dec-04 Product Code: DMTC1030 Providing you with: Most inclusive research of small to medium business, defined as companies with headcount

More information

Outsourcing and IT Services in Financial Services Infrastructure Outsourcing (Review Report)

Outsourcing and IT Services in Financial Services Infrastructure Outsourcing (Review Report) A Datamonitor report Outsourcing and IT Services in Financial Services Infrastructure Outsourcing (Review Report) The growth areas in financial services infrastructure outsourcing to 2008 Published: Oct-06

More information

Analytical CRM. The next step in intelligent enterprise evolution. Providing you with: www.datamonitor.com/technology

Analytical CRM. The next step in intelligent enterprise evolution. Providing you with: www.datamonitor.com/technology A Datamonitor report Analytical CRM The next step in intelligent enterprise evolution Published: Jun-05 Product Code: DMTC1112 Providing you with: Coverage of the full range of technologies in the acrm

More information

Commercial Fuel Cards in Europe: Obstacles and Opportunities

Commercial Fuel Cards in Europe: Obstacles and Opportunities A Datamonitor Brief Commercial Fuel Cards in Europe: Obstacles and Opportunities timely Reacting to the latest news breaking in your industry focused Publication Date: May-06 Product Code: Hundreds of

More information

Selling Offshore Outsourced Contact Center Services to the Healthcare Industry

Selling Offshore Outsourced Contact Center Services to the Healthcare Industry A Datamonitor Brief timely Selling Offshore Outsourced Contact Center Services to the Healthcare Industry Reacting to the latest news breaking in your industry focused Publication Date: Oct-05 Product

More information

A Strategic Sales Model for Business Intelligence in the Education Market

A Strategic Sales Model for Business Intelligence in the Education Market A Datamonitor Brief A Strategic Sales Model for Business Intelligence in the Education Market timely Reacting to the latest news breaking in your industry focused Publication Date: Mar-06 Product Code:

More information

Energy Brokers: Friend or foe?

Energy Brokers: Friend or foe? A Datamonitor Brief Energy Brokers: Friend or foe? Publication Date: Apr-06 Product Code: focused Hundreds of hours of analyst time distilled into a few pages While competing directly with suppliers, Third

More information

Best Practice Customer Retention Cost-effective Strategies to Maximize Residential Customer Loyalty

Best Practice Customer Retention Cost-effective Strategies to Maximize Residential Customer Loyalty A Datamonitor report Best Practice Customer Retention Cost-effective Strategies to Maximize Residential Customer Loyalty Published: Jul-03 Product Code: DMEN0255 Why buy this report? Learn how to improve

More information

CRM and ERP Technologies in Healthcare

CRM and ERP Technologies in Healthcare A Datamonitor report CRM and ERP Technologies in Healthcare France, Germany, the UK and the US Published: Dec-04 Product Code: DMTC1078 Providing you with: Details of the markets for CRM application software

More information

Technology Spending Plans in UK Healthcare

Technology Spending Plans in UK Healthcare A Datamonitor report Technology Spending Plans in UK Healthcare Technology decision-maker panel Published: Jul-05 Product Code: DMTC1130 Providing you with: An examination of the drivers for providers'

More information

Measuring Approaches to Self-service

Measuring Approaches to Self-service A Datamonitor report Measuring Approaches to Self-service A Survey of 200 European Call Center Managers Published: Jun-04 Product Code: DMTC1060 Providing you with: Analysis based on interviews conducted

More information

The MPLS VPN Market in the UK: Perspectives on the Next-generation Wide Area Network

The MPLS VPN Market in the UK: Perspectives on the Next-generation Wide Area Network A Datamonitor Brief timely The MPLS VPN Market in the UK: Perspectives on the Next-generation Wide Area Network Reacting to the latest news breaking in your industry Publication Date: Oct-04 Product Code:

More information

Insurance Technology - Transforming the Policy Administration Platform (ReviewReport)

Insurance Technology - Transforming the Policy Administration Platform (ReviewReport) A Datamonitor report Insurance Technology - Transforming the Policy Administration Platform (ReviewReport) Published: May-06 Product Code: DMTC1222 Providing you with: Coverage of North America and Western

More information

The Future of Contact Center Outsourcing in India and the Philippines

The Future of Contact Center Outsourcing in India and the Philippines A Datamonitor report The Future of Contact Center Outsourcing in India and the Philippines Published: Feb-05 Product Code: DMTC1035 Providing you with: Comprehensive forecasts for offshore outsourced,

More information

CRM in Higher Education

CRM in Higher Education A Datamonitor report Institutions of higher education use technology to strengthen relationships with constituents Published: Feb-05 Product Code: Providing you with: The results of phone-based interviews

More information

The Future of EDI. Trends in electronic communication - understanding the future technological needs of suppliers, manufacturers and retailers

The Future of EDI. Trends in electronic communication - understanding the future technological needs of suppliers, manufacturers and retailers A Datamonitor report The Future of EDI Trends in electronic communication - understanding the future technological needs of suppliers, manufacturers and retailers Published: Dec-03 Product Code: Providing

More information

Managed and Hosted Contact Center Services

Managed and Hosted Contact Center Services A Datamonitor report Managed and Hosted Contact Center Services Generating New Sources of Revenue for Vendors and Service Providers Published: Dec-04 Product Code: Providing you with: Hosted contact centers,

More information

Core Systems in US Retail Banking

Core Systems in US Retail Banking A Datamonitor report Core Systems in US Retail Banking Still looking for reasons to change Published: Jan-04 Product Code: DMTC0950 Providing you with: Discussion of the current state of the core systems

More information

Emerging Identity Management Prospects

Emerging Identity Management Prospects A Datamonitor report Emerging Identity Management Prospects Examining the vertical opportunity Published: May-04 Product Code: Providing you with: Details of the size of the IDm products and services market

More information

Decision Matrix: Selecting a Contact Center Analytics Vendor (Competitor Focus) Analytics and Reporting As Differentiators in a Difficult Economy

Decision Matrix: Selecting a Contact Center Analytics Vendor (Competitor Focus) Analytics and Reporting As Differentiators in a Difficult Economy Decision Matrix: Selecting a Contact Center Analytics Vendor (Competitor Focus) Analytics and Reporting As Differentiators in a Difficult Economy Report summary An overview of the most important trends

More information

Software Security Testing Markets

Software Security Testing Markets A Datamonitor report Software Security Testing Markets Ensuring security by design Published: Jul-05 Product Code: Providing you with: Examination of the market for software security testing tools and

More information

Profiting from the Changing Tools Market for Speech Applications

Profiting from the Changing Tools Market for Speech Applications A Datamonitor report Profiting from the Changing Tools Market for Speech Applications The times they are a-changin Published: Dec-05 Product Code: Providing you with: Description of the trends of the global

More information

Retail Banking Technology in China

Retail Banking Technology in China A Datamonitor report Retail Banking Technology in China The Future for Distribution Channels Published: Dec-03 Product Code: Providing you with: Analysis of the financial services and technology environment,

More information

Call Center Outsourcing in Western Europe

Call Center Outsourcing in Western Europe A Datamonitor report Call Center Outsourcing in Western Europe Identifying opportunities in a maturing market Published: Aug-05 Product Code: Providing you with: Complete market sizing and forecasts across

More information

Global Digital Video Surveillance Markets

Global Digital Video Surveillance Markets A Datamonitor report Global Digital Video Surveillance Markets Finding Future Opportunities as Analog Makes Way for Digital Published: Jul-04 Product Code: DMTC1014 Providing you with: Market sizing by

More information

Contact Center Markets and Technologies Targeting Growth in Developing Markets: APAC, CEE, CALA

Contact Center Markets and Technologies Targeting Growth in Developing Markets: APAC, CEE, CALA A Datamonitor report Contact Center Markets and Technologies Targeting Growth in Developing Markets: APAC, CEE, CALA Challenges and opportunities of the offshore markets Published: Jul-06 Product Code:

More information

B2B ecommerce implementation market, 2000-2005. Ongoing services $8,510m 30% US 20% $8,750m Software 10%

B2B ecommerce implementation market, 2000-2005. Ongoing services $8,510m 30% US 20% $8,750m Software 10% BUSINESS INSIGHTS B2B ecommerce From EDI to emarketplaces Read this report today and ensure you turn your B2B investment into profit... B2B ecommerce implementation market, 2000-2005 40% RoW $2,640m Ongoing

More information

Branch Renewal Execution Strategies in European Retail Banking

Branch Renewal Execution Strategies in European Retail Banking A Datamonitor report Branch Renewal Execution Strategies in European Retail Banking Delivering Profitable Business Models for the Branch Published: Dec-04 Product Code: Providing you with: Coverage of

More information

The Role of Mobile Operators Explained

The Role of Mobile Operators Explained A Datamonitor report The Role of Mobile Operators Explained Time to Face up to Reality Published: Dec-04 Product Code: Providing you with: Use this report to... Find out how Orange, O2, T-Mobile and Vodafone

More information

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2011

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2011 complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 January to 30 June 2011 number of new cases - by complaint category business name

More information

Asset Management Competitor Tracker, Q3 2009

Asset Management Competitor Tracker, Q3 2009 Brochure More information from http://www.researchandmarkets.com/reports/1124705/ Asset Management Competitor Tracker, Q3 2009 Description: This monthly tracker covers product innovation, customer targeting,

More information

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 Jan to 30 June 2013

complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 Jan to 30 June 2013 complaints data - showing individual financial businesses new cases received by the Financial Ombudsman Service from 1 Jan to 30 June 2013 number of new cases - by complaint category business name business

More information

The Top 10 Oil & Gas Companies

The Top 10 Oil & Gas Companies BUSINESS INSIGHTS The Top 10 Oil & Gas Companies Growth strategies, consolidation and convergence in the leading players New Energy Management Report Distribution of global natural gas reserves North America

More information

BPO in US Insurance. The Virtual Insurance Company. Providing you with: www.datamonitor.com/technology

BPO in US Insurance. The Virtual Insurance Company. Providing you with: www.datamonitor.com/technology A Datamonitor report The Virtual Insurance Company Published: Oct-03 Product Code: DMTC0940 Providing you with: Strategic, business, and technology drivers and inhibitors of the current US insurance BPO

More information

Common Links in Title

Common Links in Title Common Links in Title Common Links in Title (updated Sep. 2013) ABBEY NATIONAL BUILDING SOCIETY 12 Jul. 1989 - Assets transferred to ABBEY NATIONAL PLC. ABBEY NATIONAL PLC 12 Jul. 1989 - Assets of ABBEY

More information

CREDIT AGRICOLE - CREDIT LYONNAIS

CREDIT AGRICOLE - CREDIT LYONNAIS CREDIT AGRICOLE - CREDIT LYONNAIS CREDIT AGRICOLE - CREDIT LYONNAIS The emergence of a major European banking group A historic vocation as a full service bank A strong ambition to develop all its businesses

More information

The Top 10 Global Insurance Companies: Increasing profitability, market share and competitive edge

The Top 10 Global Insurance Companies: Increasing profitability, market share and competitive edge Brochure More information from http://www.researchandmarkets.com/reports/227409/ The Top 10 Global Insurance Companies: Increasing profitability, market share and competitive edge Description: Last year,

More information

The Global Pricing Guide to Offshore Outsourcing

The Global Pricing Guide to Offshore Outsourcing A Datamonitor report The Global Pricing Guide to Offshore Outsourcing Balancing the Risks and Rewards of Offshore and Nearshore Outsourcing Published: Sep-04 Product Code: Providing you with: Information

More information

complaints data - showing individual financial businesses

complaints data - showing individual financial businesses complaints data - showing individual financial businesses showing the percentage resolved by the Financial Ombudsman Service in favour of consumers from 1 Jan to 30 June 2013 % resolved in favour of consumer

More information

Decision Matrix: Selecting a CRM Vendor in the Pharmaceutical Market (Competitor Focus)

Decision Matrix: Selecting a CRM Vendor in the Pharmaceutical Market (Competitor Focus) A Datamonitor report Decision Matrix: Selecting a CRM Vendor in the Pharmaceutical Market (Competitor Focus) Published: Oct 07 Product Code: DMTC2133 Providing you with: Identifies which technology vendors

More information

Financial Services Marketing To The Retired And Elderly Market Assessment 2007

Financial Services Marketing To The Retired And Elderly Market Assessment 2007 Brochure More information from http://www.researchandmarkets.com/reports/461866/ Financial Services Marketing To The Retired And Elderly Market Assessment 2007 Description: The majority of wealthy Britons

More information

Life Insurance Consumer experiences in the UK personal protection market

Life Insurance Consumer experiences in the UK personal protection market Life Insurance Consumer experiences in the UK personal protection market About CoreData Research CoreData Research UK is the London-based arm of a broader specialist financial services research and strategy

More information

Decision Matrix Selecting an IVR Vendor in the Enterprise (Competitor Focus)

Decision Matrix Selecting an IVR Vendor in the Enterprise (Competitor Focus) A Datamonitor report Decision Matrix Selecting an IVR Vendor in the Enterprise (Competitor Focus) Differentiating a Commoditizing Technology Published: Jan-09 Product Code: DMTC2245 Providing you with:

More information

Proposed merger of Nationwide Building Society with Portman Building Society

Proposed merger of Nationwide Building Society with Portman Building Society Proposed merger of Nationwide Building Society with Portman Building Society The OFT's decision on reference under section 33(1) given on 21 November 2006. Full text of decision published 27 November 2006.

More information

Managing For Growth. Fred Goodwin Group Chief Executive

Managing For Growth. Fred Goodwin Group Chief Executive Managing For Growth Fred Goodwin Group Chief Executive Certain statements made in this presentation are forward looking statements. Such statements are based on current expectations and are subject to

More information

FUND MANAGEMENT SURVEY 2000

FUND MANAGEMENT SURVEY 2000 FUND MANAGEMENT SURVEY 2000 Fund Managers Association February 2001 FUND MANAGEMENT SURVEY 2000 Foreword The UK is Europe s largest investment management centre and investment management is recognised

More information

United Kingdom. From: OECD Banking Statistics: Methodological Country Notes 2010

United Kingdom. From: OECD Banking Statistics: Methodological Country Notes 2010 From: OECD Banking Statistics: Methodological Country Notes 2010 Access the complete publication at: http://dx.doi.org/10.1787/9789264089907-en United Kingdom Please cite this chapter as: OECD (2011),

More information

Your client's money is in prudent hands

Your client's money is in prudent hands Your client's money is in prudent hands Prudential offers a position of strength and resilience to help safeguard the financial wellbeing of our customers. Prudential is committed to helping safeguard

More information

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS.

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA, which is a Stocks

More information

InterSystems in Financial Services

InterSystems in Financial Services InterSystems in Financial Services Financial services companies are under intense pressure to stay within budget and to control expenditures on information technology. Yet, to satisfy customers and keep

More information

Housing wealth could play a greater role in supporting retirement in the future says Pensions Policy Institute

Housing wealth could play a greater role in supporting retirement in the future says Pensions Policy Institute PRESS RELEASE - UPDATED VERSION 00.01 Tuesday 15 th September 2009 PENSIONS POLICY INSTITUTE Housing wealth could play a greater role in supporting retirement in the future says Pensions Policy Institute

More information

1 Copyright Phoenix Marketing International 2012. All rights reserved.

1 Copyright Phoenix Marketing International 2012. All rights reserved. 1 Copyright Phoenix Marketing International 2012. All rights reserved. D A V I D M. T H O M P S O N Managing Director Phoenix Affluent Market +44 (0) 20 3427 6157 / London +011 860 404 5414 / New York

More information

Targeting Profitable Consumer Trends In Brazil, Russia, India and China

Targeting Profitable Consumer Trends In Brazil, Russia, India and China A Datamonitor report Targeting Profitable Consumer Trends In Brazil, Russia, India and China Insights into Emerging Groups & Behaviors in BRIC Providing you with: Published: Dec-06 Product Code: DMCM4581

More information

Platform Brochure Online Support for Your Platform Account. www.capitalplatforms.com

Platform Brochure Online Support for Your Platform Account. www.capitalplatforms.com Platform Brochure Online Support for Your Platform Account www.capitalplatforms.com Introduction The Fund Platform provides a solution offering access to an unrivalled choice of offshore mutual funds,

More information

Whole Life Insurance in the UK, Key Trends and Opportunities to 2017

Whole Life Insurance in the UK, Key Trends and Opportunities to 2017 Brochure More information from http://www.researchandmarkets.com/reports/2623372/ Whole Life Insurance in the UK, Key Trends and Opportunities to 2017 Description: Synopsis - The report provides market

More information

UK High Value Home Insurance 2010

UK High Value Home Insurance 2010 Brochure More information from http://www.researchandmarkets.com/reports/1215438/ UK High Value Home Insurance 2010 Description: UK High Value Home Insurance 2010 presents a detailed examination of the

More information

Life Bancassurance in the Asia-Pacific Region: Investment-Related Life Insurance and Retirement Savings

Life Bancassurance in the Asia-Pacific Region: Investment-Related Life Insurance and Retirement Savings Life Bancassurance in the Asia-Pacific Region: Investment-Related Life Insurance and Retirement Savings Report Prospectus March 2013 Finaccord, 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1

More information

Price list and guide to fees and interest for personal customers. Applies from December 2015

Price list and guide to fees and interest for personal customers. Applies from December 2015 Price list and guide to fees and interest for personal customers Applies from December 2015 At First Trust Bank, it is our policy to provide you with a service that is clear and consistent. To make sure

More information

Severn Trent Group Personal Pension

Severn Trent Group Personal Pension Severn Trent Group Personal Pension May 2014 Note: We cannot provide individual financial planning advice Severn Trent Group Personal Pension 1. Who s BlackRock? 2. How can I plan for my retirement? 3.

More information

The new European Banking Union landscape. Dirk Schoenmaker, Duisenberg school of finance

The new European Banking Union landscape. Dirk Schoenmaker, Duisenberg school of finance DSF POLICY BRIEFS No. 35/ October 2014 The new European Banking Union landscape Dirk Schoenmaker, Duisenberg school of finance Abstract The countries participating in the new European Banking Union have

More information

Offshore Savings Account

Offshore Savings Account Offshore Savings Account Client Guide Investing in your future Saving for the future Choose a level of investment which is both affordable and meets your saving objectives. See page 4 A wide range of investment

More information

KEY FEATURES OF YOUR BUYOUT BOND ILLUSTRATION KEY FEATURES. and Conditions, available from your financial adviser.

KEY FEATURES OF YOUR BUYOUT BOND ILLUSTRATION KEY FEATURES. and Conditions, available from your financial adviser. 00000 Old Mutual Wealth Life Assurance Limited is a provider of long-term life assurance. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential

More information

Certified International Wealth Manager CIWM. Your way to the top with a first-class education in private banking

Certified International Wealth Manager CIWM. Your way to the top with a first-class education in private banking Certified International Wealth Manager CIWM Your way to the top with a first-class education in private banking Introduction Private banking/wealth management is one of the fastest growing sectors within

More information

With the Labor Government s increased focus on most areas relating to the

With the Labor Government s increased focus on most areas relating to the Are Consumers Satisfied with Superannuation and Financial Advice? By Norman Morris BCom Industry Communications Director, Roy Morgan Research With the Labor Government s increased focus on most areas relating

More information

Capital Markets Day Athens, 16 January 2006 ALPHA. Retail Banking. G. Aronis Senior Manager, Retail Banking

Capital Markets Day Athens, 16 January 2006 ALPHA. Retail Banking. G. Aronis Senior Manager, Retail Banking Capital Markets Day Athens, 16 January 2006 ALPHA BANΚ Retail Banking G. Aronis Senior Manager, Retail Banking Contents: page Retail Banking at a Glance 3 Strategic Emphasis on Retail Banking 4 Household

More information