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Marketing Financial Services through Professional Associations and Trade Unions in Europe

  • Publication Date:October 2004
  • Publisher:Finaccord
  • Product Type: Report
  • Pages:180

Marketing Financial Services through Professional Associations and Trade Unions in Europe

The report entitled Marketing Financial Services through Professional Associations and Trade Unions in Europe is about the market for provision of a range of financial services - classifiable within the three broad categories of savings and investments, non-life insurance and banking products - to the individual members of professional associations and trade unions. It compares and contrasts the environment for this activity in ten European countries - Austria, Belgium, France, Germany, Ireland, Italy, the Netherlands, Spain, Switzerland and the UK - illustrating the degree to which trade unions and professional associations make financial services available to their members and chronicling the banks, insurance companies and other financial entities with which they have partnered for this purpose. The report draws on the results of a survey of 435 professional associations and 170 trade unions, including 25 trade union confederations, across the ten countries with a view to understanding the current and future potential for marketing financial services on an affinity basis through these organisations. Together with the related PartnerBASE database, the report represents the most comprehensive research ever published on the subject and represents an indispensable source of intelligence to financial institutions interested in the subject.

  • 0.0 Executive Summary
  • 1.0 Introduction
    • Finaccord
    • Partnerbase
    • What Is This Report About?
    • The Report Covers This Branch Of Affinity And Partnership Marketing In Ten European Countries
    • Rationale
    • Professional Associations And Trade Unions Constitute Classic Affinity Marketing Partners
    • Finaccord's Report Is The First Ever Published Study On The Subject At The Pan-European Level
    • Methodology
    • Errors, Omissions And Limit Of Liability
  • 2.0 European Overview
    • Introduction
    • Professional Associations
    • Finaccord's Sample Of Professional Associations Has An Average Of 44,309 Members Each
    • Professional Associations In The Uk And Ireland Offer The Broadest Schemes, On Average...
    • ... While Those In Austria, Belgium And France Fall Well Below The Pan-European Average
    • 18.8% Of Professional Associations In Europe Offer Five Or More Financial Benefits To Members
    • General Liability / Professional Indemnity Insurance Is The Service Most Commonly Offered
    • Savings And Investments
    • Life Insurance: Penetration Rates By Country Among Professional Associations
    • Retirement Savings: Penetration Rates By Country Among Professional Associations
    • Investment Funds: Penetration Rates By Country Among Professional Associations
    • Non-Life Insurance
    • Motor Insurance: Penetration Rates By Country Among Professional Associations
    • Household Insurance: Penetration Rates By Country Among Professional Associations
    • Health Insurance: Penetration Rates Among Professional Associations
    • Accident Insurance: Penetration Rates Among Professional Associations
    • General Liability / Professional Indemnity Insurance: Pen. Rates By Country Among Prof. Assocs.
    • Travel Insurance: Penetration Rates By Country Among Professional Associations
    • Banking Products
    • Current / Savings Accounts: Penetration Rates By Country Among Professional Associations
    • Mortgages: Penetration Rates By Country Among Professional Associations
    • Personal Loans / Consumer Finance: Penetration Rates By Country Among Professional Assocs.
    • Credit Cards: Penetration Rates By Country Among Professional Associations
    • Future Intentions
    • Over 25% Of Professional Associations Plan To Increase The Benefits Made Available To Members
    • Trade Unions
    • The Trade Union Movements Of Germany, Italy And The Uk Dwarf That Of France
    • Trade Unions In The Netherlands And The Uk Have Organised The Most Comprehensive Progs....
    • ... While Their Counterparts In Belgium And France Maintain Much Less Activity In This Domain
    • Nearly 50% Of European Trade Unions Can Be Categorised As Affinity Marketing Enthusiasts...
    • ... Although Penetration Rates Can Be Boosted By The Umbrella Initiatives Of Confederations
    • Eight Categories Of Financial Product Are Offered By More Than 40% Of Trade Unions
    • Savings And Investments
    • Life Insurance: Penetration Rates By Country Among Trade Unions
    • Retirement Savings: Penetration Rates By Country Among Trade Unions
    • Investment Funds: Penetration Rates By Country Among Trade Unions
    • Non-Life Insurance
    • Motor Insurance: Penetration Rates By Country Among Trade Unions
    • Household Insurance: Penetration Rates By Country Among Trade Unions
    • Health Insurance: Penetration Rates Among Trade Unions
    • Accident Insurance: Penetration Rates Among Trade Unions
    • General Liability / Professional Indemnity Insurance: Pen. Rates By Country Among Trade Unions
    • Travel Insurance: Penetration Rates By Country Among Trade Unions
    • Banking Products
    • Current / Savings Accounts: Penetration Rates By Country Among Trade Unions
    • Mortgages: Penetration Rates By Country Among Trade Unions
    • Personal Loans / Consumer Finance: Penetration Rates By Country Among Trade Unions
    • Credit Cards: Penetration Rates By Country Among Trade Unions
    • Future Intentions
    • Benefits Provision May Become Increasingly Important As Trade Unions Re-Define Their Role
  • 3.0 Austria
    • Introduction
    • Professional Associations
    • Few Associations Intermediate Savings And Investments Products On Behalf Of Members
    • Over A Quarter Of Professional Associations Offer Liability Cover To Their Members
    • Banking Products Intermediated By Professional Associations Are Unheard Of Thus Far
    • Trade Unions
    • The Gewerkschaft Der Gemeindebediensteten And Wiener Stdtische Collaborate Widely...
    • ... While The Insurer Provides The Solidarittsversicherung Package For All Trade Unions In Aus....
    • ... And Bawag Psk Is Linked Loosely To The sterreichischer Gewerkschaftsbund
    • Future Outlook
    • A Modest Increase In Provision Rates Will Occur, Especially Among Professional Associations
  • 4.0 Belgium
    • Introduction
    • Professional Associations
    • Belgian Associations Have Been Slow To Offer Savings And Investments To Their Members
    • Marsh Has Made Inroads As A Supplier To Several Professional Associations
    • Professional Associations In Belgium Are Yet To Offer Banking Products To Their Members
    • Trade Unions
    • Only The Syndicat Libre De La Fonction Publique Is Active In Financial Services Intermediation...
    • ... Although Members Of The Cgslb Can Apply For The Countdown Loyalty Card
    • Future Outlook
    • The Development Of This Channel Seems Likely To Experience Moderate Growth Only
  • 5.0 France
    • Introduction
    • Professional Associations
    • Associations In France Are Europe's Least Enthusiastic Towards Financial Services Provision...
    • Other Than Liability Insurance, Associations Demonstrate No Appetite For Non-Life Insurance...
    • ... With Demand For Banking Products Also Being Restricted To The Minimum
    • Trade Unions
    • Of The Four Trade Union Confederations, Only The Cftc Is Active In Financial Services Provision...
    • ... Although All Are Backing The Comit Intersyndical De L'pargne Salariale (Cies)
    • Future Outlook
    • France Will Remain An Inauspicious Territory For This Form Of Affinity Marketing Activity...
    • ... Although Numerous Mutual Entities Exist To Service Specific Professions And Trades
  • 6.0 Germany
    • Introduction
    • Professional Associations
    • An Increasing Number Of German Associations Are Offering Savings And Investments...
    • Mlp Is Profiting From The Provision Of High Quality Advice-Led Services...
    • ... And Its Focus On The Graduate Affinity Group Should Pay Long-Term Dividends
    • Mlp's Goals Include The Transferral Of Its Business Model Into International Markets
    • Penetration Rates For Non-Life Insurance Are Comparatively High...
    • ... With A Variety Of Single And Multi-Partner Operating Models Visible
    • Intermediation Of Banking Products Is Restricted Primarily To Affinity Credit Cards...
    • ... With Citibank And The Landesbank Baden-Wrttemberg Leading The Way...
    • ... And With Deutsche Apotheker- Und rztebank Focused On The Medical Professions
    • Trade Unions
    • Most German Trade Unions Have Formulated An Approach For Life Ins. And Retirement Savings
    • The Vereinte Dienstleistungsgewerkschaft Operates Through Its Own In-House Broker...
    • ... While The Ig Bauen-Agrar-Umwelt Has Established Its Own Sozialkassen...
    • ... And The Dgb Itself Has Co-Ordinated The Rentenplus Program
    • A Number Of Germany's Trade Unions Have Substantial Activity In Marketing Of Non-Life Policies
    • Volksfrsorge Occupies A Strong Position With Several Unions...
    • ... While Signal Iduna And Pvag Are Favoured By The Gewerkschaft Der Polizei
    • Basic Accident Insurance Is Provided To Members By Virtually All Trade Unions
    • Bhw Bank Is The Major Supplier Of Banking Services To Trade Unions In Germany...
    • ... Benefiting From Its Strong Historical And On-Going Links With The Trade Union Movement
    • Future Outlook
    • Assocs. And Unions In Germany Offer Encouraging Prospects For Financial Services Marketing
  • 7.0 Ireland
    • Introduction
    • Professional Associations
    • A Number Of Professional Associations In Ireland Are Active In Financial Intermediation...
    • Health Insurance Policies Are Most Commonly Offered By Professional Associations...
    • ... As A Consequence Of Two Main Factors
    • Bupa Is Challenging Vhi Healthcare In The Professional Associations Channel...
    • ... With Hmca Also Having Established A Number Of Noteworthy Relationships
    • Mbna's Entry Into The Irish Market Has Heightened Awareness Of Affinity Credit Cards...
    • ... Although Aib Has Sought To Defend Its Territory
    • Trade Unions
    • Marsh Maintains Several Major Partnerships For Retirement Savings
    • Non-Life Insurance Is Commonly Provided By Trade Unions To Their Members
    • One Direct's Relationships With Siptu And The Teeu Extend To Banking Services
    • Future Outlook
    • Nearly 30% Of Associations And Unions In Ireland Expect To Increase Their Affinity Activities
  • 8.0 Italy
    • Introduction
    • Professional Associations
    • Few Professional Associations In Italy Promote Savings And Investments To Their Members...
    • ... Although Occupation-Specific Pension And Social Insurance Funds Do Exist
    • Over One Third Of Associations Have Arrangements In Place For General Liability Insurance...
    • ... With Underwriters, Rather Than Brokers, Usually Holding The Relationship Directly
    • The Existence Of Casse Di Prev. Holds Back Penetration Rates For Accident And Health Policies
    • Professional Associations' Involvement In Banking Services Is In Development...
    • ... With A Number Willing To Create Agreements For Discounts On Behalf Of Members
    • Fiditalia Has Established An Important Lending And Credit Card Deal With Italianmec...
    • ... And A Variety Of Other Banking Institutions Is Active In Courting Professional Associations...
    • ... Although They Often Exercise Caution When Considering The Launch Of Affinity Card Schemes
    • Trade Unions
    • Cgil And Cisl Dominate The Trade Union Affinity Marketing Landscape In Italy...
    • ... Which Means That Unipol And Union Vita Enjoy Strong Positions In The Insurance Segment...
    • ... Although There Is Some Scope For Other Insurers To Create Deals For Non-Life Policies
    • Unipol's Link With The Cgil Extends To Banking Products And Services...
    • ... With Only A Few Alternative Partnerships Being In Evidence
    • Future Outlook
    • Professional Associations Represent A Growth Market For Affinity Finance Initiatives In Italy...
    • ... While Trade Unions Appear To Represent Less Promising Territory In This Sphere...
    • ... Albeit Aig's Joint Venture With The Cisl Enjoyed Rapid Premium Growth In 2003
  • 9.0 Netherlands
    • Introduction
    • Professional Associations
    • Dutch Professional Associations Play A Partial Role In Savings And Investments Distribution...
    • ... With Finles' Ingenieursservice Ranking Among The Most Important Schemes
    • Affinity Marketing Deals For Non-Life Insurance Often Extend Across The Full Range Of Products
    • Professional Associations Play Little Part In The Intermediation Of Banking Products...
    • ... Although Cards Managed By Amex And Fortis Have Been Brought Into Wider Packages
    • Trade Unions
    • The Cnv And Fnv Have Both Established Centrally Organised Fin. Schemes For Members...
    • ... Although Some Trade Unions Have Opted To Develop Initiatives On An Autonomous Basis
    • The Initiatives Of The Cnv And Fnv Also Boost Penetration Rates For Non-Life Insurance...
    • ... But Trade Union Credit Cards Are Yet To Make An Appearance In The Netherlands
    • Future Outlook
    • A Minority Of Dutch Professional Associations And Trade Unions Plan To Expand Their Activity
  • 10.0 Spain
    • Introduction
    • Professional Associations
    • A Minority Of Professional Associations Is Active In Promotion Of Savings And Investments
    • Banco Santander Is Highly Active In Creating Partnerships With Professional Associations...
    • ... Although It Shares Some Relationships With Other Financial Services Providers...
    • ... Such As Bancofar In The Case Of The Federacin Empresarial De Farmacuticos Espaoles
    • The Colegio De Ingenieros De Caminos, Canales Y Puertos Maintains Its Own Mutual Entity
    • Almost One Third Of Professional Assocs. In Spain Have Organised Liability Cover For Members
    • Hcc Global Has Established A Number Of Relationships With Professional Associations...
    • ... While Aon Gil Y Carvajal Has Notable Strengths In Key Professional Categories
    • A Range Of Operating Models Is Visible For Broader Affinity Marketing Progs. For Non-Life Policies
    • Spanish Banks Are Seeking Pro-Actively To Develop Relationships With Professional Assocs....
    • ... Although Not All Credit Card Distribution Deals Are Fully-Fledged Affinity Cards
    • Trade Unions
    • The Csco And The Ugt Possess Their Own Captive Insurance Entities...
    • ... But The Other Three Main Confederations Have No Such Arrangements
    • Regional And Ind.-Specific Branches Theoretically Possess Their Own Deal-Making Autonomy
    • The Major Affinity Marketing Partnerships Also Extend To Non-Life Insurance...
    • ... While The Ugt Is Linked To Banco Popular Espaol For Banking Products And Services
    • Future Outlook
    • Many Professional Assocs. And Trade Unions In Spain Will Increase Their Benefits Packages...
    • ... As Activity Is Driven By Both The Demand And Supply Sides Of The Equation
  • 11.0 Switzerland
    • Introduction
    • Professional Associations
    • Swiss Professional Associations Have Sporadic Involvement In Savings And Investments
    • Health Insurance Is Offered By Over One Quarter Of Swiss Professional Associations
    • A Fundamental Aspect Of Zuritel's Swiss Strategy Is To Create Affinity Marketing Agreements...
    • ... While A Number Of Entities Compete For Health Insurance Mandates With Professional Assocs.
    • Cornr Banca Has Developed Affinity Credit Cards With Several Professional Associations
    • Trade Unions
    • Savings And Investments Distribution Is A 'No Go' Area For Swiss Trade Unions...
    • ... Although, In Contrast, Their Involvement In Non-Life Insurance Is Substantial
    • ... Driven By The Zeal Of Coop Assurance And Zuritel In Motor Insurance...
    • ... And By A Broader Field Of Providers For Health Insurance
    • Banque Coop's Partnership With The Uss Is The Dominant Feature In The Banking Sphere...
    • ... Although Ubs Has Concluded A Pair Of Affinity Card Deals With Trade Unions
    • Future Outlook
    • Moderate Growth In Affinity Marketing Will Occur Among Both Assocs. And Unions In Switzerland
  • 12.0 United Kingdom
    • Introduction
    • Professional Associations
    • Around One Third Of Associations In The Uk Have Arrangements In Place For Life And Pensions
    • Three 60 Group Is Focused On Providing Broad Affinity Programs For Professional Associations...
    • ... As Epitomised By The Cima Privileges Proposition...
    • ... Although A Range Of Other Intermediaries Is Also Active In This Market
    • The British Medical Association Cedes Ownership Of Bma Services To Wesleyan In 2002...
    • ... Allowing The Insurer To Build On Its Earlier Purchase Of Medical Sickness
    • Non-Life Insurance Enjoys Comparatively Strong Take-Up Rates Among Professional Assocs....
    • ... With Some Partnerships Embracing Both Long-Term And General Insurance
    • Hsbc's Lawinsure Maintains An Important Account With The Law Society
    • Hmca Has Done Much To Boost Penetration Rates Among Associations For Health Insurance...
    • ... While Cs Healthcare Enjoys A Strong Position Among Civil Service Employees
    • Credit Card Penetration Is At Least Double That For Any Other Banking Products Or Services...
    • ... Although Some Significant Ties Exist For Mortgages And Personal Loans...
    • ... And The Co-Op. Bank's Link With The Federation Of Small Businesses Is Also Worthy Of Note
    • Trade Unions
    • A Clear Majority Of Uk Trade Unions Organise Savings And Investments For Their Members
    • Liverpool Victoria Is The Leading Provider In Terms Of Number Of Relationships...
    • ... Although It Faces Competition From A Variety Of Challengers...
    • ... Including, Potentially, The Cis As It Embraces Affinity Marketing As A Distribution Option
    • It Is Doubtful Whether Union-Endorsed Stakeholder Pensions Have Been A Success
    • Penetration Rates Among Uk Trade Unions For Motor And Household Insurance Exceed 80%
    • Norwich Union Is The Most Prominent Underwriter In The Channel...
    • ... While Uia Has Chosen To Specialise In The Not-For-Profit Distribution Segment
    • Lower Cost Healthcare Plans Can Be Tailored Specifically To The Needs Of Union Members
    • Trade Unions Intermediate Banking Products And Services Through A Variety Of Mechanisms...
    • ... Sometimes Extending Credit Card Deals Into The Personal Loans / Consumer Finance Arena...
    • ... Although Many Initiatives Have Been Established On A Stand-Alone Basis
    • Future Outlook
    • Exactly 50% Of Respondents With Existing Schemes Plan To Expand These In The Future...
    • ... Reflecting A Buoyant Culture For Affinity Marketing Among Both Associations And Unions
  • Graphics / Tables
    • Organisations Contacted For The Research, Segmented By Country And By Type
    • Comparison By Country Of Average Number Of Members Of Professional Associations Included In The Sample
    • Comparison Of Ave. Number Of Financial Products And Services Offered By Prof. Assocs. In Europe
    • Segmentation Of All Prof. Assocs. In Sample By Number Of Financial Products / Services Offered
    • Comparison Of Penetration Of Financial Products And Services Offered By Professional Assocs. In Europe
    • Comparison Of Penetration Rate For Life Insurance Offered By Professional Associations In Europe
    • Comparison Of Penetration Rate For Retirement Savings Offered By Professional Associations In Europe 29
    • Comparison Of Penetration Rate For Investment Funds Offered By Professional Associations In Europe
    • Comparison Of Penetration Rate For Motor Insurance Offered By Professional Associations In Europe
    • Comparison Of Penetration Rate For Household Insurance Offered By Professional Associations In Europe
    • Comparison Of Penetration Rate For Health Insurance Offered By Professional Associations In Europe
    • Comparison Of Penetration Rate For Accident Insurance Offered By Professional Associations In Europe
    • Comparison Of Penetration Rate For Gen. Liab. / Prof. Ind. Ins. Offered By Professional Associations In Europe
    • Comparison Of Penetration Rate For Travel Insurance Offered By Professional Associations In Europe
    • Comparison Of Penetration Rate For Current / Savings Accounts Offered By Professional Associations In Europe
    • Comparison Of Penetration Rate For Mortgages Offered By Professional Associations In Europe
    • Comparison Of Penetration Rate For Pers. Loans / Cons. Fin. Offered By Professional Associations In Europe
    • Comparison Of Penetration Rate For Credit Cards Offered By Professional Associations In Europe
    • Future Intentions Of Professional Associations In Europe With Regards To Financial Services Intermediation
    • Comparison By Country Of Average Number Of Members Of Trade Unions Included In The Sample
    • Comparison Of Ave. Number Of Financial Products And Services Offered By Trade Unions In Europe
    • Segmentation Of All Trade Unions In Sample By Number Of Financial Products / Services Offered
    • Comparison Of Penetration Of Financial Products And Services Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Life Insurance Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Retirement Savings Offered By Trade Unions In Europe 49
    • Comparison Of Penetration Rate For Investment Funds Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Motor Insurance Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Household Insurance Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Health Insurance Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Accident Insurance Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Gen. Liab. / Prof. Ind. Ins. Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Travel Insurance Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Current / Savings Accounts Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Mortgages Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Pers. Loans / Cons. Fin. Offered By Trade Unions In Europe
    • Comparison Of Penetration Rate For Credit Cards Offered By Trade Unions In Europe
    • Future Intentions Of Trade Unions In Europe With Regards To Financial Services Intermediation
    • Current Penetration Rates For Savings And Investments Offered Through Professional Associations In Austria
    • Current Penetration Rates For Non-Life Insurance Offered Through Professional Associations In Austria
    • Current Penetration Rates For Savings And Investments Offered Through Trade Unions In Austria
    • Current Penetration Rates For Non-Life Insurance Offered Through Trade Unions In Austria
    • Current Penetration Rates For Banking Products Offered Through Trade Unions In Austria
    • Future Intentions Of Prof. Assocs. And Trade Unions In Austria With Regards To Fin. Svs. Intermediation
    • Current Penetration Rates For Savings And Investments Offered Through Professional Associations In Belgium
    • Current Penetration Rates For Non-Life Insurance Offered Through Professional Associations In Belgium
    • Current Penetration Rates For All Financial Services Offered Through Trade Unions In Belgium
    • Future Intentions Of Prof. Assocs. And Trade Unions In Belgium With Regards To Fin. Svs. Intermediation
    • Current Penetration Rates For Savings And Investments Offered Through Professional Associations In France
    • Current Penetration Rates For Non-Life Insurance Offered Through Professional Associations In France
    • Current Penetration Rates For Banking Products Offered Through Professional Associations In France
    • Current Penetration Rates For All Financial Services Offered Through Trade Unions In France
    • Future Intentions Of Prof. Assocs. And Trade Unions In France With Regards To Fin. Svs. Intermediation
    • Current Penetration Rates For Savings And Investments Offered Through Professional Associations In Germany
    • Current Penetration Rates For Non-Life Insurance Offered Through Professional Associations In Germany
    • Current Penetration Rates For Banking Products Offered Through Professional Associations In Germany
    • Current Penetration Rates For Savings And Investments Offered Through Trade Unions In Germany
    • Current Penetration Rates For Non-Life Insurance Offered Through Trade Unions In Germany
    • Current Penetration Rates For Banking Products Offered Through Trade Unions In Germany
    • Future Intentions Of Prof. Assocs. And Trade Unions In Germany With Regards To Fin. Svs. Intermediation
    • Current Penetration Rates For Savings And Investments Offered Through Professional Associations In Ireland
    • Current Penetration Rates For Non-Life Insurance Offered Through Professional Associations In Ireland
    • Current Penetration Rates For Banking Products Offered Through Professional Associations In Ireland
    • Current Penetration Rates For Savings And Investments Offered Through Trade Unions In Ireland
    • Current Penetration Rates For Non-Life Insurance Offered Through Trade Unions In Ireland
    • Current Penetration Rates For Banking Products Offered Through Trade Unions In Ireland
    • Future Intentions Of Prof. Assocs. And Trade Unions In Ireland With Regards To Fin. Svs. Intermediation
    • Current Penetration Rates For Savings And Investments Offered Through Professional Associations In Italy
    • Current Penetration Rates For Non-Life Insurance Offered Through Professional Associations In Italy
    • Current Penetration Rates For Banking Products Offered Through Professional Associations In Italy
    • Current Penetration Rates For Savings And Investments Offered Through Trade Unions In Italy
    • Current Penetration Rates For Non-Life Insurance Offered Through Trade Unions In Italy
    • Current Penetration Rates For Banking Products Offered Through Trade Unions In Italy
    • Future Intentions Of Prof. Assocs. And Trade Unions In Italy With Regards To Fin. Svs. Intermediation
    • Current Penetration Rates For Savings And Invs. Offered Through Professional Associations In The Netherlands
    • Current Penetration Rates For Non-Life Insurance Offered Through Professional Associations In The Netherlands
    • Current Penetration Rates For Banking Products Offered Through Professional Associations In The Netherlands
    • Current Penetration Rates For Savings And Investments Offered Through Trade Unions In The Netherlands
    • Current Penetration Rates For Non-Life Insurance Offered Through Trade Unions In The Netherlands
    • Current Penetration Rates For Banking Products Offered Through Trade Unions In The Netherlands
    • Future Intentions Of Prof. Assocs. And Trade Unions In The Netherlands With Regards To Fin. Svs. Intermediation
    • Current Penetration Rates For Savings And Investments Offered Through Professional Associations In Spain
    • Current Penetration Rates For Non-Life Insurance Offered Through Professional Associations In Spain
    • Current Penetration Rates For Banking Products Offered Through Professional Associations In Spain
    • Current Penetration Rates For Savings And Investments Offered Through Trade Unions In Spain
    • Current Penetration Rates For Non-Life Insurance Offered Through Trade Unions In Spain
    • Current Penetration Rates For Banking Products Offered Through Trade Unions In Spain
    • Future Intentions Of Prof. Assocs. And Trade Unions In Spain With Regards To Fin. Svs. Intermediation
    • Current Penetration Rates For Savings And Investments Offered Through Professional Assocs. In Switzerland
    • Current Penetration Rates For Non-Life Insurance Offered Through Professional Associations In Switzerland
    • Current Penetration Rates For Banking Products Offered Through Professional Associations In Switzerland
    • Current Penetration Rates For Non-Life Insurance Offered Through Trade Unions In Switzerland
    • Current Penetration Rates For Banking Products Offered Through Trade Unions In Switzerland
    • Future Intentions Of Prof. Assocs. And Trade Unions In Switzerland With Regards To Fin. Svs. Intermediation
    • Current Penetration Rates For Savings And Investments Offered Through Professional Associations In The Uk
    • Current Penetration Rates For Non-Life Insurance Offered Through Professional Associations In The Uk
    • Current Penetration Rates For Banking Products Offered Through Professional Associations In The Uk
    • Current Penetration Rates For Savings And Investments Offered Through Trade Unions In The Uk
    • Current Penetration Rates For Non-Life Insurance Offered Through Trade Unions In The Uk
    • Current Penetration Rates For Banking Products Offered Through Trade Unions In The Uk
    • Future Intentions Of Prof. Assocs. And Trade Unions In The Uk With Regards To Fin. Svs. Intermediation
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