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For years now, Germany's insurance companies – faced with an increasingly mature market, tighter regulation and changes in customer behavior – have been looking at ways to position their organizations to be more cost-efficient. Until now, though, the distribution units of many companies have been spared any radical restructuring.
Step by step, Germany's banks are recovering from the crisis of confidence in the years following the global financial crisis. The Bain Global Survey carried out every year revealed that the more than 7,000 German retail customers interviewed in the survey were especially satisfied with the services of the direct banks.
For years now, pressure on wealth management has been rising in Germany amid limited potential for returns and rising costs.
Only six percent of German banks earn their cost of equity. What has changed structurally, what profitable institutions do better and where the critical success factors are.
Loyal customers are worth their weight in gold in the digital age.
The most viable blueprint marries digital and physical assets, through a Digical transformation, in order to catch up to customers and create new forms of value.
What it takes to make loyalty pay off.
After six years in deficit, car insurance is expected to return to the profit zone again in 2014. However structural factors exposed in an analysis by Bain & Company can be expected to keep margins under pressure over the long term.
How insurers can take up the digital challenge
Bain study on the situation of the statutory health insurance in Germany
The new corporate banking index by Bain & Company shows which revenue and profit opportunities corporate banking offers for banks in Germany.
Financial institutions that successfully apply digital technologies will embrace deep strategic, operational and organizational changes.
Out of the doldrums! Insurers can master the transformation in the market by consistently aligning themselves with the needs and expectations of customers.
Retail Banking: What customers really want
The Transaction Banking experienced since the financial crisis a genuine renaissance as it provides stable yields and profits.
Die Ertragslage der deutschen Finanzwirtschaft bleibt angespannt
Mehr Möglichkeiten für den Einsatz der Ausschließlichkeitsorganisation - Technik und Service werden im Maklergeschäft immer wichtiger
Solvency II will bring about a fundamental shift within the insurance sector since risks and their requisite capital cover will be taken into account when solvency is assessed.
Versicherung: Wo stehen deutsche Versicherer im Europa-Vergleich?
Erste Ergebnisse einer umfangreichen Solvency II Studie von Bain & Company und Towers Watson auf Basis der aktuellen QIS 5-Spezifikation.
Loyal customers stay longer, are worth more and are the best source of bank growth.
Der Erfolg im Versicherungsvertrieb ist nicht an den Vertriebskanal gebunden, wohl aber an die Kanalbearbeitung.
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