Financial Services Marketing to ABs Market Assessment 2004


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Published Date :
February 2004find similar
Report Type :
Market Assessmentfind similar
Report Sector :
Financial Servicesfind similar
Price :
£ 575
Contents :
14 Chapters

Table of Contents

The table of contents below is for Financial Services Marketing to ABs 2004

Executive Summary

1. Introduction

The Topic

Objectives

Methodology

Original Research

Problems In The Research Process

Definition

2. Strategic Overview

Market Dynamics

Market Issues

Market Status

Market Values

Distribution

Competitive Structure

Leading Companies

Foreign Presence

Promotion

Top Advertisers

Advertising Trends

Consumer Trends

Market Forecasts

Problems Of Excessive Credit

Government Leans On Private Sector

Managers Overtake Professionals

Table: The Uk Government's Former And Current Occupational Classifications

Table: Occupational Status Of Household Reference Persons In Great Britain (million And %),

Brand Awareness Is Crucial

Flexible Opportunities, Customer Resistance

Key Points

3. Who Earns The High Incomes?

Background: The Male-female Divide

Household Income

Table: Composition Of Household Income In The Uk (% Of Households' Income And £bn),-2001

Gender Differences

Table: Income Bands By Sex And Range Of Total Income Before Tax (000 Taxpayers, £ And %),/2004

Incomes Peak Before Age

Table: Income And Source Of Income In The Uk By Age Of Household Reference Person (% And £ Per Week),/2002

Table: Percentage Change In Household Income By Age Of Household Reference Person,/2001-2001/2002

Two Nations

Income Statistics Mislead

Key Points

4. Who Owns The Wealth?

Background: Financial Wealth Tumbles

Table: Net Wealth Of The Household Sector In The Uk At Constant Prices (£bn And %),-2001

Polarisation

Table: Households In Great Britain By Amount Of Savings And Total Weekly Household Income (% Of Households),/2002

Key Points

5. The Borrowing Binge

Background

Credit Stampede

Table: Growth In Net Indebtedness In The Uk (£m And Index=100),st October To Th November

Consumer Credit A Quarter The Value Of Property-backed Loans

Table: Total Lending To Individuals By Type Of Lender (%), November

Savings Slump

Table: Average Household Expenditure On Life Assurance, Pensions, Medical Insurance And Savings And Investments In The Uk (£),/1998,/2000,/2001 And/2002

Table: Household Expenditure On Life Assurance, Pensions, Medical Insurance And Savings And Investments By Income Decile In The Uk (£ Per Week),/2002

Property Investment A Rival To Spending?

Key Points

6. Promotion

`ab' Concept Too Loose

Credit Buoyant

Table: Main Media Advertising Expenditure Across Selected Categories Relevant To Abs (£000 And %), Year Ending September

Table: Main Media Advertising Expenditure On Credit Cards (£000), Year Ending September

Personal Loans

Table: Main Media Advertising Expenditure On Secured And Unsecured Personal Loans (£000), Year Ending September

Debt Management: The Other Side Of Credit

Table: Main Media Advertising Expenditure By Selected Providers Of Debt Management Services In The Uk (£000), Year Ending September

Private Banking Low Key

Table: Main Media Advertising Expenditure On Asset Management Private Banking (£000), Years Ending September And

Concentration Of Advertising Power

Explosive Internet

Table: Advertising Expenditure Growth Across Media Channels In The Uk (£m), And

Table: Response Rates To Financial Direct Mail (%), Average Of,, And

Key Points

7. Synthetic Relationships

Technology No Substitute For Real Relationships

Trawling The Database

Pinpointing New Customers

Key Points

8. An International Perspective

Lure Of Mysterious Wealth

Swiss To Enshrine Secrecy In Law

Market Trends

Key Points

9. Pest Analysis

Political Factors

Fund To Protect Pensions Could Have Opposite Effect

Tighter Regulations May Slow Borrowing A Little

Chancellor's Statement Hints At Prosperous Future

Economic Factors

Table: Average Household Disposable Income And Spending By Age Of Head Of Household (£ Per Week),/2001 And/2002

Social Factors

Technological Factors

Key Points

10. Consumer Dynamics

Living For Today

Table: Summary Of Survey Responses (% Of Respondents), And

Savings Seesaw

"my Savings Have Decreased Over The Past Year"

"i Owe More Than I Have In Savings, Excluding Any Mortgage I May Have To Buy The Home I Live In"

Table: Declining Savings And Net Indebtedness (% Of Respondents),

Luxuries Become Necessities

"i Go Without Luxuries Like Holidays And New Cars So That I Can Save And Invest For The Future"

"i Would Like To Leave My Assets To My Children Or Other Relations"

Table: Going Without Luxuries To Invest In The Future And Leaving Assets To Relations (% Of Respondents),

Financial Advice And Management

"good Financial Advice Is Too Expensive For Me To Afford"

"i Am Confident That I Can Manage My Own Finances Well"

Table: The Cost Of Financial Advice And Confidence In Managing Finances (% Of Respondents),

Attitudes Among And Services From Banks And Building Societies

"my Bank Or Building Society Treats Me As A Valued Customer"

"i Am Happy With The Service Provided By My Bank Or Building Society"

Table: Opinions Of Banks And Building Societies (% Of Respondents),

Banks' And Building Societies' Customer Service

"the Service Provided By My Bank Or Building Society Has Improved Over The Past Years"

"i Am Happy To Talk To Bank Staff In Call Centres About My Financial Affairs"

Table: Opinions On The Customer Service Provided By Banks And Building Societies (% Of Respondents),

Insurers' Poor Reputation For Customer Service

"i Am Happy With The Service Provided By Insurance Companies"

"the Service Provided By Insurance Companies Has Improved Over The Past Years"

Table: Customer Service Provided By Insurance Companies (% Of Respondents),

Online Banking: Confidence Stagnates

"i Have Full Confidence In Internet Banking"

"advertisements Help Me Decide Which Financial Services To Buy"

Table: Confidence In Online Banking And The Influence Of Financial Advertising (% Of Respondents),

Money Advice Programmes And Investment In Property As A Pension

"radio And Television Money Advice Programmes Help Me Decide Which Financial Services To Buy"

"property Is The Best Investment For A Pension"

Table: Influence Of Radio And Television Programmes And Property As A Pension Investment (% Of Respondents),

Key Points

11. Company Profiles

Introduction

Table: Largest Banks And Insurers In The Uk By Market Capitalisation (£bn),st December Tost November

Abbey National Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Table: Financial Results For Inscape Investments Ltd (£000 And Number), Years Endingst December-2002

Future Company Developments

Alliance & Leicester Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Future Company Developments

Aviva Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Future Company Developments

Barclays Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Future Company Developments

Hbos Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Future Company Developments

Hsbc Holdings Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Future Company Developments

Legal & General Group Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Future Company Developments

Lloyds Tsb Group Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Future Company Developments

Northern Rock Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Future Company Developments

The Post Office And National Savings

Prudential Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Future Company Developments

Royal & Sun Alliance Insurance Group Plc

Corporate Strategy

Advertising

Distribution

Profitability

Table: Financial Results For Royal & Sun Alliance Insurance Group Plc (£m And Number), Years Endingst December-2002

Future Company Developments

The Royal Bank Of Scotland Group Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Future Company Developments

Standard Life

Corporate Strategy

Advertising

Distribution

Profitability

Future Developments

Towry Law Plc

Corporate Strategy

Advertising

Distribution

Profitability

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

Future Company Developments

Zurich Financial Services (ukisa) Ltd

Corporate Strategy

Advertising

Distribution

Profitability

Table: Financial Results For Zurich Financial Services (ukisa) Ltd (£m And Number), Years Endingst December-2002

Future Company Developments

Key Points

12. The Future

Stressed Out And In Denial

Savings And Investment Jobs Uncertain

Buy To Let: No Pensions Panacea?

Greater Role For Ifas

The Outlook For Wealth

Table: Forecast Net Wealth Of The Household Sector In The Uk At Current Prices (£bn),-2007

Table: Forecast Net Wealth Of The Household Sector In The Uk At Constant Prices (£bn),-2007

Table: Estimated Value Of Household Sector Wealth In The Uk (£bn And £),st December

Table: Forecast Gross Holdings Of Savings And Investments In The Uk By As And Bs At Constant Prices (% And £bn), And

What Now For Financial Services?

Rebuilding Confidence

Organisations To Watch

Key Points

14. Further Sources

Associations

Publications

General Sources

Government Publications

Other Sources

Bonnier Information Sources

Other Reports