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Financial Services Marketing to Start-Up Businesses and the Self-employed Market Assessment 2003


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Previewing a Market Assessment

Published Date :
October 2003find similar
Report Type :
Market Assessmentfind similar
Report Sector :
Financial Servicesfind similar
Price :
£ 575
Contents :
11 Chapters

Table of Contents

The table of contents below is for Financial Services Marketing to Start-Up Businesses and the Self-employed 2003

Executive Summary

Strategic Overview

Key Financial Services

Company Developments

Promotion

International Perspective

Pest Analysis

Consumer Dynamics

The Future

1. Introduction

The Topic

Objectives

Methodology

Original Research

Problems In The Research Process

Definitions

Financial Services

The Self-employed

Small Businesses

Table: European Commission Definitions Of Business Categories By Number Of Staff, Turnover And Balance Sheet Total (_m),

2. Strategic Overview

Turnover Share Declines

Table: Composition Of Uk Businesses By Number, Employment And Turnover (%), And

Figure: Composition Of Uk Businesses By Employment And Turnover (%),

Proportion Of Self-employed Falls

Table: Breakdown Of Economically Active Persons In The Uk By Employment (million), And

Table: Change In The Number Of Full Time And Part Time Self-employed (000 And %), Winter/2002 And/2003

Breakdown By Sector

Table: Breakdown Of Uk Enterprises In The Private Sector With Zero To Four Employees By Number Of Enterprises And Number Employed (number And),

Table: Breakdown Of Uk Enterprises In The Private Sector With Zero To Four Employees By Sector And Turnover (£m, £ And %),

Income Polarisation

Table: Incomes Of Self-employed Persons In The Uk By Income Band (000, £, % And £m),-2001

Table: Average Self-employment Income In The Uk By Industry (000, £m And £),/2001,

Start-ups, Closures And Bankruptcies

Table: Top Six Geographical Areas Outside London For Start-up Businesses,

Funding For Start-ups

Table: Number Of Bankruptcies Among The Self-employed In England And Wales By Sector,-2002

Table: Comparison Of Bankruptcies In England And Wales Among The Self-employed With Other Individuals (number),-2002

Repercussions Of Competition Commission Report

Drawbacks And Benefits Of Self-employment

Key Points

3. Key Financial Services

Current Accounts And Savings Accounts

Pensions

Table: Percentage Of Men Contributing To A Pension Scheme In Great Britain By Age Band,-01

Table: Percentage Of Women Contributing To A Pension Scheme In Great Britain By Age Band,-01

Mortgages

Personal Loans

Insurance

Top Companies

Table: Distribution Channels For Sales Of New Long-term Insurance Premiums On Ape† Basis By Percentage Of Sales Value, Second Quarter

Liability Insurance Costs Soar

Criticisms Of Critical Illness Cover

Mortgage Indemnities: Gaps In Protection

Invoice, Tax And Accountancy Services

Key Points

4. Company Profiles

Introduction

Abbey National Plc

Corporate Strategy

Advertising And Distribution

Profitability

Table: Financial Results For Abbey National Plc (£m, Number And %), Years Endingst December-2002

Table: Financial Performance Indicators For Abbey National Plc (% And £), Year Endingst December

Future Company Developments

Alliance & Leicester Plc

Corporate Strategy

Advertising And Distribution

Profitability

Table: Financial Results For Alliance & Leicester Plc (£m, Number And %), Years Endingst December-2002

Table: Financial Performance Indicators For Alliance & Leicester Plc (% And £), Year Endingst December

Future Company Developments

Aviva Plc

Corporate Strategy

Advertising And Distribution

Profitability

Table: Financial Results For Aviva Plc (£m, Number And %), Years Endingst December-2002

Table: Financial Performance Indicators For Aviva Plc (% And £), Year Endingst December

Future Company Developments

Barclays Plc

Corporate Strategy

Advertising And Distribution

Profitability

Table: Financial Results For Barclays Plc (£m, Number And %), Years Endingst December-2002

Table: Financial Performance Indicators For Barclays Plc (% And £), Year Endingst December

Future Company Developments

Hbos Plc

Corporate Strategy

Bank Of Scotland

Halifax

Advertising And Distribution

Profitability

Table: Financial Results For Hbos Plc (£m, Number And %), Years Endingst December-2002

Table: Financial Performance Indicators For Hbos Plc (% And £), Year Endingst December

Future Company Developments

Hsbc Holdings Plc

Corporate Strategy

Advertising And Distribution

Profitability

Table: Financial Results For Hsbc Holdings Plc ($m, Number And %), Years Endingst December-2002

Table: Financial Performance Indicators For Hsbc Holdings Plc (% And $), Year Endingst December

Future Company Developments

Legal & General Group Plc

Corporate Strategy

Advertising And Distribution

Profitability

Table: Financial Results For Legal & General Group Plc (£m, Number And %), Years Endingst December-2002

Table: Financial Performance Indicators For Legal & General Group Plc (% And £), Year Endingst December

Future Company Developments

Lloyds Tsb Group Plc

Corporate Strategy

Advertising And Distribution

Profitability

Table: Financial Results For Lloyds Tsb Group Plc (£m, Number And %), Years Endingst December-2002

Table: Financial Performance Indicators For Lloyds Tsb Group Plc (% And £), Year Endingst December

Future Company Developments

Prudential Plc

Corporate Strategy

Advertising And Distribution

Profitability

Table: Financial Results For Prudential Plc (£m, Number And %), Years Endingst December-2002

Table: Financial Performance Indicators For Prudential Plc (% And £), Year Endingst December

Future Company Developments

Royal Bank Of Scotland Group Plc

Corporate Strategy

National Westminster (natwest)

Royal Bank Of Scotland

Advertising And Distribution

Profitability

Table: Financial Results For Royal Bank Of Scotland Group Plc (£m, Number And %), Years Ending St December-2002

Table: Financial Performance Indicators For Royal Bank Of Scotland Plc (% And £), Year Endingst December

Future Company Developments

Other Suppliers Of Notable Financial Services To The Self-employed

Bradford & Bingley Plc

Table: Financial Results For Bradford & Bingley Plc (£m, Number And %), Years Endingst December-2002

Table: Financial Performance Indicators For Bradford & Bingley Plc (% And £), Year Endingst December

Kensington Group Plc

Table: Financial Results For Kensington Group Plc (£000, Number And %), Years Ending Th November-2002

Table: Financial Performance Indicators For Kensington Group Plc (% And £), Year Endingst November

National Australia Group Europe Ltd

Table: Financial Results For National Australia Group Europe Ltd (£m, Number And %), Years Ending Th September-2002

Table: Financial Performance Indicators For National Australia Group Europe Ltd (% And £), Year Endingth September

Nationwide Building Society

The Standard Life Assurance Company

Towry Law Plc

Table: Financial Results For Towry Law Plc (£000, Number And %), Years Ending St December-2002

Table: Financial Performance Indicators For Towry Law Plc (% And £), Year Endingst December

Virgin Money Group Ltd

Key Points

5. Promotion

Principal Advertisers Of Financial Services For Business

Table: Top Ten Main Media Advertisers Of Financial Services For Business (£000), Years Ending December And March

Table: Main Media Advertising Expenditure For Leading Financial Brands For Business Ranked By Percentage Of Total Sector Expenditure (£000), Year Endingst March

Categories Of Business Finance Advertising

Table: Business Finance Categories With Main Media Advertising Expenditure Exceeding £1m, Year Endingst March

Figure: Business Finance Categories With Main Media Advertising Expenditure Exceeding £1m, Year Endingst March

Business Advertising Trends

Target Scatter

Key Points

6. An International Perspective

Pushes And Pulls

Not Too Bad In Britain

Key Point

7. Pest Analysis

Political Factors

Favouritism?

No-one Wants To Fund Pensions

Late Payment Legislation — If You Dare To Use It

Section Of The New Local Government Bill

Economic Factors

Micro Businesses Lukewarm About The Future

Grants Directed At Small, Not Micro Businesses

Social Factors

Debt A Barrier To Self-employment

Table: New Loan Approvals Secured On Dwellings By Banks And Building Societies† (£m), June And June

Redundancy Trigger

Technological Factors

Key Points

8. Consumer Dynamics

Introduction

Lack Of Confidence In Secure Permanent Employment

Tendencies To Borrow And Spend

Anxious Time For Savers

Analysis Of Results

S1: "i Am, Or Was Until I Retired, In A Secure Permanent Job"

S2: "i Am Self-employed"

Characteristics Of Those Most And Least Likely To Be In Secure Permanent Employment

Table: Characteristics Of People Most Likely To Be, Or Until Retirement To Have Been, In Secure Permanent Employment (% Of Respondents),

Table: Characteristics Of People Least Likely To Be, Or Until Retirement To Have Been, In Secure Permanent Employment (% Of Respondents),

Characteristics Of Those Most And Least Likely To Be Self-employed

Table: Characteristics Of People Most Likely To Be Self-employed (% Of Respondents),

Table: Characteristics Of People Least Likely To Be Self-employed (% Of Respondents),

Table: Secure Permanent Jobs In Decline And Self-employment Limited (% Of Respondents),

S3: "i Intend To Become Self-employed Within The Next Years"

S4: "i Have Been Self-employed In The Past But Not Now"

Table: Characteristics Of Those Intending To Become Self-employed In The Next Years(% Of Respondents),

Table: Characteristics Of The Previously Self-employed (% Of Respondents),

Table: Intentions To Become Self-employed Versus Past Self-employment (% Of Respondents),

S5: "i Have Become Self-employed, Or Have Started A New Business, Within The Past Years"

S6: "older People Often Become Self-employed Because They Cannot Get A Well-paid Job With An Employer"

Table: Recent Business Start-ups And Reluctant Self-employment (% Of Respondents),

S7: "there Is A Good Range Of Financial Services For The Self-employed"

S8: "banks Appear Keen To Support New Businesses"

Table: Poor Range Of Financial Services, And Banks Reluctant To Support New Businesses (% Of Respondents),

S9: "there Are Sufficient State Benefits For The Self-employed Who Fall On Hard Times"

S10: "banks Expect New Businesses To Become Profitable Too Quickly"

Table: Insufficient State Benefits For The Self-employed And Perception Of Banks As Patient (% Of Respondents),

S11: "banks Are Unsympathetic To Self-employed People Who Are In Financial Difficulties"

S12: "banks Do Not Give Sufficient Support To New Small Businesses"

Table: Banks Are Not Unsympathetic To The Self-employed And Not Unsupportive To New Small Businesses (% Of Respondents),

S13: "insurance Companies Do Not Give Sufficient Support To New Small Businesses"

S14: "lack Of Finance On Affordable Terms Is An Important Reason For The High Failure Rate Among New Businesses"

Table: Insurance Companies Are Not Unsupportive To The Self-employed And Lack Of Finance Is Not Seen As A Major Problem (% Of Respondents),

S15: "worries About Financial Insecurity Would Prevent Me From Becoming Self-employed"

Table: Financial Barrier To Self-employment (% Of Respondents),

Comparison Between And Surveys

Table: Intention To Become Self-employed Within The Next Years (% Of Respondents), And

Table: Change In Perceptions Regarding Being In A Secure Permanent Job (% Of Respondents), And

2003 Key Points

9. The Future

Prospects For Self-employment

Table: Uk Population Aged Over (million And %), ,,, And

Finance For Growth

Product Potential

Leading Providers

Key Points

10. Further Sources

Associations

Publications

General Sources

Bonnier Information Sources

Government And Official Sources

Other Sources

Other Reports