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Financial Services Marketing to BCs Market Assessment 2009


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Previewing a Market Assessment

Published Date :
May 2009find similar
Report Type :
Market Assessmentfind similar
Report Sector :
Financial Servicesfind similar
Price :
£ 575
Contents :
13 Chapters

Table of Contents

The table of contents below is for Financial Services Marketing to BCs 2009

Executive Summary

1. Introduction

The Topic

Objectives

Methodology

Original Research

Problems In The Research Process

Definition

2. Strategic Overview

Market Dynamics

A Pattern Of Decline

Socio-economic Classification

Table.1: The Uk Government's Former And Current Occupational Categories

Table.2: Estimated Numbers Of Male And Female Employees

Figure.1: Estimated Numbers Of Male And Female Employees

Table.3: Typical Pay Of B, C1 And C2 Occupational Groups

Table.4: Typical Pay Of B, C1 And C2 Occupational Groups

Figure.2: Men In Full-time Work In The Uk In B, C1 And C2 Occupations — Median Gross Weekly Pay And Estimated Number Of Jobs (£ And),

Figure.3: Women In Full-time Work In The Uk In B, C1 And C2 Occupations — Median Gross Weekly Pay And Estimated Number Of Jobs (£ And),

Market Status And Values

Table.5: Net Wealth Of The Household Sector In The Uk (£bn),, And

Distribution

Competitive Structure

Leading Companies

Banks

Insurers

Building Societies

Foreign Presence

Advertising And Promotion

Consumer Trends

Market Outlook

Wanted: Stability And Security

Heavy Responsibilities

Transparency

Key Points

3. Making The Most Of Moderate Incomes

Moderately Meagre

Table.1: Income And Expenditure By Gross Income

Table.2: Expenditure On Package Holidays Abroad,

Women Lose Out

`eggs In One Basket' — A Preoccupation With Housing Wealth

Table.3: Household Spending On Financial Services

Saving Lacks Appeal

Table.4: Uk Households' Savings Profile

Savings And Pensions

Table.5: All Uk Benefit Units, And Those With Savings

Figure.1: All Uk Benefit Units, And Those With Savings

Problems Of Low Returns

Table.6: Ftse Trend (index Level),-

Figure.2: Ftse Trend (index Level),-

Table.7: Ftse Movement (index Level),

Figure.3: Ftse Movement (index Level),

`solid' Investments

Key Points

4. Coping With Debt

Deflation Versus Quantitative Easing

Table.1: Uk Households' Disposable Income

Figure.1: Uk Households' Disposable Income

Debt Levelling Off

Table.2: Monthly Amounts Outstanding Of Sterling Net Lending To Individuals And Housing Associations In The Uk

Figure.2: Monthly Amounts Outstanding Of Sterling Net Lending To Individuals And Housing Associations In The Uk

Table.3: Gross National Income Of The Uk At Current Prices And Annual Change In All-items Retail Price Index

Figure.3: Gross National Income Of The Uk

Exaggerated Incomes

Limited Opportunities For Financial Improvement

Key Points

5. Sourcing Financial Advice

Globalised Masks

Retail Distribution Review

Promoting Advice

Consolidation In Advice

Key Points

6. Promotion

Falling Back

Table.1: Total Main Media Advertising Expenditure On Financial Services (£000), Years Ending December-

Changing Profiles

Table.2: Top Most Heavily Advertised Financial Products By Main Media Advertising Expenditure (£000),

Table.3: Top Most Heavily Advertised Financial Products By Main Media Advertising Expenditure (£000),

Table.4: Top Most Heavily Advertised Financial Products By Main Media Advertising Expenditure (£000),

Table.5: Top Most Heavily Advertised Financial Products By Main Media Advertising Expenditure (£000),

Table.6: Top Most Heavily Advertised Financial Brands

Agencies In The Uk

Media Choice

New Media And Direct Mail

Sponsorship

Geo-demographic Profiling

Caci

Eurodirect

Experian

Use Of Data For Customer Retention

Key Points

7. An International Perspective

Dubious Leadership

State-led Financial Protection

Massive Sums At Risk In Derivatives Contracts

State Aid At A High Price

Socialisation Of Losses

Key Points

8. Pest Analysis

Political Factors

Economic Factors

Table.1: Additions To National Debt (£bn),

Table.2 The Uk's Gross Domestic Product And All-items

Table.3: Central Government Receipts And Outlays (£m), January-december And January And February

Social Factors

Technological Factors

Key Points

9. Consumer Dynamics

Overview

Table.1: Summary Of Survey Findings Regarding

Savings, Debts And Property

Pensions

Pension Ownership Response Suggests Confusion

Pensions Gap

Table.2: Ownership Of Defined-benefit Pensions

Property Loses Lustre As An Investment For Bs, But C1s And C2s

Almost Four In Ten Worry About Shortfall In Retirement Income

Table.3: Belief That Property Is The Best Investment

Savings

Bs And C1s Focus On Building Up Savings

Running Down Savings More Widespread Than Adding To Them

Table.4: Changes In Levels Of Savings

C1s And C2s Typical In Lack Of Savings, But Bs Buck The Trend

Table.5: Those With No Savings At All

Debt

More C2s Add To Debts Than Cut Them

C1s More Successful Than Bs And C2s In Reducing Debts

Table.6: Changes In Levels Of Debt Over The Past Year

Fewer Than Three In Ten Bs, C1s And C2s Are Without Debt

Table.7: Those Who Are Completely Debt Free And

Online Banking

Bs, C1s And C2s Are Above Average In Use Of Online Banking

Bs, C1s And C2s More Likely Than Average To Have Full Confidence In Online Banking

Table.8: Those Who Bank Online, And Those Who Have

Independent Financial Advice

Doubts About The Value Of Independent Financial Advice

Only One In Four Bs But More Than A Third Of C1s And C2s Say

Table.9: Those Who Believe That Financial Advice Is Worth Paying For, And Those For Whom Financial Advice Is Unaffordable (% Of Respondents), December

Tax Avoidance

Six In Ten Oppose Ease Of Tax Avoidance For The Wealthy

Table.10: Those Who Think That It Is Too Easy For

Means Testing

Means-testing Barrier Is A Significant But Minority Issue

Table.11: Those Who Believe That Means Testing

Key Points

10. Company Profiles

The Arts Of Accountancy

All Change

Banks That The Uk Government Does Not Control

Barclays

Corporate Strategy, Advertising And Distribution

Profitability

Table.1: Financial Results For Barclays Plc

Future Company Developments

Hsbc

Corporate Strategy, Advertising And Distribution

Profitability

Table.2: Financial Results For Hsbc Holdings Plc

Future Company Developments

Grupo Santander (spain)

Abbey

Corporate Strategy, Advertising And Distribution

Profitability

Table.3: Financial Results For Abbey National Plc

Alliance & Leicester

Corporate Strategy, Advertising And Distribution

Profitability

Table.4: Financial Results For Alliance & Leicester Plc

Future Company Developments

Banks That Are Owned Or Controlled By The

Hbos (merged With Lloyds Tsb In January To Form

Corporate Strategy, Advertising And Distribution

Profitability

Table.5: Financial Results For Hbos Plc

Future Company Developments

Lloyds Tsb (merged With Hbos In January To Form

Corporate Strategy, Advertising And Distribution

Profitability

Table.6: Financial Results For Lloyds Tsb Group Plc

Future Company Developments

National Savings & Investments

Corporate Strategy, Advertising And Distribution

Profitability

Future Company Developments

Northern Rock

Corporate Strategy, Advertising And Distribution

Profitability

Table.7: Financial Results For Northern Rock Plc

Future Company Developments

The Post Office (royal Mail Holdings)

Corporate Strategy, Advertising And Distribution

Profitability

Table.8: Financial Results For Post Office Ltd

Future Company Developments

The Royal Bank Of Scotland Group

Corporate Strategy, Advertising And Distribution

Profitability

Table.9: Financial Results For The Royal Bank

Future Company Developments

Insurance Groups (publicly Quoted)

Aviva

Corporate Strategy, Advertising And Distribution

Profitability

Table.10: Financial Results For Aviva Plc

Future Company Developments

Axa (france)

Corporate Strategy, Advertising And Distribution

Profitability

Table.11: Financial Results For Axa Insurance Uk Plc

Future Company Developments

Legal & General

Corporate Strategy, Advertising And Distribution

Profitability

Table.12: Financial Results For Legal & General

Future Company Developments

Prudential

Corporate Strategy, Advertising And Distribution

Profitability

Table.13: Financial Results For Prudential Plc

Future Company Developments

Rsa Insurance

Corporate Strategy, Advertising And Distribution

Profitability

Table.14: Financial Results For Rsa Insurance Group Plc

Future Company Developments

Standard Life

Corporate Strategy, Advertising And Distribution

Profitability

Table.15: Financial Results For Standard Life Plc

Future Company Developments

Zurich Financial Services (switzerland)

Corporate Strategy, Advertising And Distribution

Profitability

Future Company Developments

Mutual Financial Services Groups

Co-operative Financial Services

Corporate Strategy, Advertising And Distribution

Profitability

Future Company Developments

Nationwide Building Society

Corporate Strategy, Advertising And Distribution

Profitability

Future Company Developments

Specialist Examples

Paragon

Table.16: Financial Results For The Paragon Group

Zopa

Table.17: Financial Results For Zopa Ltd

Key Points

11. The Future

Emerging Mega Economies: Brazil, Russia,

Environmental Constraints

Repairing The Economy

Financial Services Compensation Scheme: Contributions System Considered Unfair

The Turner Review

Individual Responses

Earnings Spread Too Wide

Table.1: Average Remuneration Of Board Directors

Pensions: The Great Unknown

Prospects For Middle Britain

Bs — Those In Moderately Paid Professional, Managerial

C1s — Skilled Non-manual Workers

C2s — Skilled Manual Workers

Risk Aversion

Indications From The Budget

Key Points

13. Further Sources

Associations

Companies — Financial

Companies — Marketing

Publications And Information

General Sources

Government And Official Sources

Other Sources

Key Note Sources