1 序文
2 調査範囲と方法論
2.1 調査の目的
2.2 ステークホルダー
2.3 データソース
2.3.1 一次情報源
2.3.2 二次情報源
2.4 市場推定
2.4.1 ボトムアップ・アプローチ
2.4.2 トップダウンアプローチ
2.5 予測方法
3 エグゼクティブ・サマリー
4 はじめに
4.1 概要
4.2 主要業界動向
5 世界のバンカシュアランス市場
5.1 市場概要
5.2 市場パフォーマンス
5.3 COVID-19の影響
5.4 製品タイプ別市場構成
5.5 モデルタイプ別市場構成
5.6 地域別市場構成比
5.7 市場予測
5.8 SWOT分析
5.8.1 概要
5.8.2 強み
5.8.3 弱点
5.8.4 機会
5.8.5 脅威
5.9 バリューチェーン分析
5.9.1 概要
5.9.2 製品開発
5.9.3 マーケティングとプロモーション
5.9.4 リード創出と販売
5.9.5 新規ビジネスの処理
5.9.6 サービス、CRM、リピートセールス
5.10 ポーターズファイブフォース分析
5.10.1 概要
5.10.2 買い手の交渉力
5.10.3 供給者の交渉力
5.10.4 競争の程度
5.10.5 新規参入の脅威
5.10.6 代替品の脅威
6 製品タイプ別市場構成
6.1 生命バンカシュアランス
6.1.1 市場動向
6.1.2 市場予測
6.2 損害保険バンカシュアランス
6.2.1 市場動向
6.2.2 市場予測
7 モデルタイプ別市場
7.1 純正ディストリビューター
7.1.1 市場動向
7.1.2 市場予測
7.2 独占パートナーシップ
7.2.1 市場動向
7.2.2 市場予測
7.3 金融持株
7.3.1 市場動向
7.3.2 市場予測
7.4 ジョイント・ベンチャー
7.4.1 市場動向
7.4.2 市場予測
8 地域別市場構成
8.1 アジア太平洋
8.1.1 市場動向
8.1.2 市場予測
8.2 欧州
8.2.1 市場動向
8.2.2 市場予測
8.3 ラテンアメリカ
8.3.1 市場動向
8.3.2 市場予測
8.4 北米
8.4.1 市場動向
8.4.2 市場予測
8.5 中東・アフリカ
8.5.1 市場動向
8.5.2 市場予測
9 競争環境
9.1 市場構造
9.2 主要プレイヤー
9.3 主要プレーヤーのプロファイル
9.3.1 ABNアムロ・バンクN.V.
9.3.2 オーストラリア・ニュージーランド・バンキング・グループ・リミテッド
9.3.3 バンコ・ブラデスコSA
9.3.4 アメリカン・エキスプレス・カンパニー
9.3.5 サンタンデール銀行
9.3.6 BNPパリバS.A.
9.3.7 ING グループ
9.3.8 ウェルズ・ファーゴ・アンド・カンパニー
9.3.9 バークレイズ plc
9.3.10 インテサ・サンパオロS.p.A.
9.3.11 ロイズ・バンキング・グループ plc
9.3.12 シティグループ・インク
9.3.13 クレディ・アグリコルS.A.
9.3.14 HSBC ホールディングス plc
9.3.15 農協フィナンシャルグループ
9.3.16 ソシエテ ジェネラル
9.3.17 ノルデア・グループ
図1：世界：バンカシュアランス市場：主な促進要因と課題
図2：世界：バンカシュアランス市場：販売額（単位：億米ドル）、2019年～2024年
図3：世界：バンカシュアランス市場：図3：バンカシュアランスの世界市場：製品タイプ別構成比（単位：%）、2024年
図4：世界のバンカシュアランス市場：モデルタイプ別構成比（単位：%）、2024年図4：世界のバンカシュアランス市場：モデルタイプ別構成比（%）、2024年
図5：バンカシュアランスの世界市場：モデルタイプ別構成比（%）、2024年図5：バンカシュアランスの世界市場：地域別構成比（%）、2024年
図6：バンカシュアランスの世界市場予測：販売額（単位：億米ドル）、2025年～2033年
図7：世界：バンカシュアランス業界：SWOT分析
図8: 世界のバンカシュアランス業界：SWOT分析バリューチェーン分析
図9: 世界のバンカシュアランス業界：バリューチェーン分析ポーターのファイブフォース分析
図10：世界：バンカシュアランス市場（生命バンカシュアランス）：販売額（単位：百万米ドル）、2019年および2024年
図11：世界のバンカシュアランス市場予測（生命バンカシュアランス）：販売額（単位：百万米ドル）、2025年～2033年
図12：世界のバンカシュアランス市場（損害バンカシュアランス）：売上額（単位：百万米ドル販売額（単位：百万米ドル）、2019年および2024年
図13：世界のバンカシュアランス市場予測（損害バンカシュアランス）：販売額（単位：百万米ドル）、2025年～2033年
図14：バンカシュアランスの世界市場予測（純粋な販売代理店）：販売額（単位：百万米ドル）、2019年および2024年
図15：世界のバンカシュアランス市場予測（純粋販売代理店）：販売額（単位：百万米ドル）、2025年～2033年
図16：世界のバンカシュアランス市場予測（独占提携）：売上額（単位：百万米ドル販売額（単位：百万米ドル）、2019年および2024年
図17：世界のバンカシュアランス市場予測（独占提携）：販売額（単位：百万米ドル）、2025年～2033年
図18：世界のバンカシュアランス市場（金融持株）：販売額（単位：百万米ドル）、2019年および2024年
図19：世界のバンカシュアランス市場予測（金融持株）：販売額（単位：百万米ドル）、2025年～2033年
図20：世界のバンカシュアランス市場予測（合弁事業）：売上額（単位：百万米ドル販売額（単位：百万米ドル）、2019年および2024年
図21：世界のバンカシュアランス市場予測（ジョイントベンチャー）：販売額（単位：百万米ドル）、2025年～2033年
図22：アジア太平洋地域：バンカシュアランス市場：販売額（単位：百万米ドル）、2019年および2024年
図23：アジア太平洋地域：バンカシュアランス市場の予測：販売額（百万米ドル）、2025年～2033年
図24: 欧州：バンカシュアランス市場：販売額（単位：百万米ドル）、2019年および2024年
図25：ヨーロッパ：バンカシュアランス市場の予測：販売額（単位：百万米ドル）、2025年～2033年
図26：ラテンアメリカ：バンカシュアランス市場：販売額（単位：百万米ドル）、2019年および2024年
図27：ラテンアメリカ：バンカシュアランス市場の予測：販売額（単位：百万米ドル）、2025年～2033年
図28：北米：バンカシュアランス市場：販売額（単位：百万米ドル）、2019年および2024年
図29：北米：バンカシュアランス市場予測バンカシュアランス市場の予測：販売額（単位：百万米ドル）、2025年～2033年
図30：中東およびアフリカ：バンカシュアランス市場：販売額（単位：百万米ドル）、2019年および2024年
図31：中東およびアフリカ：バンカシュアランス市場の予測：販売額（単位：百万米ドル）、2025年～2033年
[表一覧］
表1：世界：バンカシュアランス市場：主要産業ハイライト（2024年・2033年
表2：世界：バンカシュアランス市場予測：表2：バンカシュアランスの世界市場予測：製品タイプ別内訳（単位：百万米ドル）、2025年～2033年
表3：世界：バンカシュアランス市場予測：モデルタイプ別内訳（単位：百万米ドル）、2025年～2033年
表4：世界のバンカシュアランス市場予測：地域別構成比（単位：百万米ドル）、2025年～2033年
表5：世界のバンカシュアランス市場：バンカシュアランスの世界市場：競争構造
表6：世界のバンカシュアランス市場：主要プレーヤー
The global bancassurance market size reached USD 1,506.7 Billion in 2024. Looking forward, IMARC Group expects the market to reach USD 2,439.5 Billion by 2033, exhibiting a growth rate (CAGR) of 5.23% during 2025-2033. The escalating customer demand for integrated financial services, the growing demand for convenience and efficiency in managing finances, and the emerging trend of customization across various industries are among the key factors driving the market growth.
Bancassurance is a business model where a bank and an insurance company form a partnership to offer insurance products to the bank's customer base. This arrangement enables the bank to expand its range of financial services, offering customers the convenience of purchasing insurance policies through a platform they already trust and frequently use. For insurance companies, this partnership provides access to a broader customer base without having to establish new distribution channels. Typically, the bank earns a commission for each policy sold, adding another revenue stream to its business. Customers benefit from a one-stop-shop experience, where they can manage both banking and insurance needs under one roof. Bancassurance is especially popular in countries where the insurance penetration rate is low, as it simplifies the purchasing process and increases accessibility.
One of the key market drivers for the bancassurance industry is the rising customer demand for integrated financial services. Modern consumers seek convenience and efficiency in managing their finances, and bancassurance offers the advantage of consolidating banking and insurance services through a single platform. As consumers increasingly look for seamless, one-stop solutions for their financial needs, the bancassurance model is well-positioned to satisfy this demand, thereby fueling its growth in the market. With the rising healthcare costs, there's a growing concern among older adults about their financial security during retirement. Thus, it is significantly supporting the market. In addition, bancassurance allows for strategic collaborations between banks and insurance companies. This is beneficial for insurance companies that lack a wide distribution network, as banks provide a ready customer base. These partnerships often lead to innovative products that are specifically designed to meet the needs of the bank's customers, increasing the chances of adoption. Moreover, the growing trend of customization across various industries is creating a positive market outlook.
Bancassurance Market Trends/Drivers:
Regulatory Environment
The regulatory landscape is another crucial factor that shapes the bancassurance market. In some countries, changes in financial regulations have made it easier for banks and insurance companies to collaborate. For instance, loosening restrictions on cross-selling financial products allows banks more freedom to offer insurance policies to their customers. This regulatory support opens new avenues for revenue and encourages competition, fostering innovation and better product offerings. However, it's essential for bancassurance partners to remain compliant with regulations that are aimed at protecting consumer interests, such as data privacy laws and anti-money laundering directives. Overall, a conducive regulatory environment significantly contributes to the growth of the bancassurance industry.
Economic Growth and Increasing Financial Literacy
As economies grow, there is a corresponding increase in the number of consumers who require financial services, including insurance. Economic development usually leads to higher income levels, enabling more consumers to afford insurance products. Additionally, increased financial literacy campaigns by governments and organizations make consumers more aware of the importance of insurance, prompting them to seek such services. Banks, being well-established financial institutions, can leverage their reputation and customer relationships to cross-sell insurance products effectively. In developing economies, where the penetration of insurance is generally low, banks can play a pivotal role in making insurance products more accessible to the general public. This economic growth and improved financial awareness act as a market driver, encouraging the expansion of the bancassurance industry.
Technological Advancements and Digitization
The rapid growth of digital technologies is another significant driver in the bancassurance industry. Advancements in data analytics, artificial intelligence, and machine learning enable both banks and insurance companies to offer more personalized and effective products. For instance, predictive analytics can identify specific customer segments that may be more receptive to certain types of insurance products. In confluence with this, digital platforms also make it easier to reach consumers, offering convenient, online methods for policy application, claim filing, and other transactions. These technological capabilities improve customer satisfaction and increase operational efficiency, making bancassurance more profitable for both parties involved. As technology continues to evolve, it is expected to further boost the market potential of bancassurance.
Bancassurance Industry Segmentation:
IMARC Group provides an analysis of the key trends in each segment of the bancassurance market report, along with forecasts at the global and regional levels for 2025-2033. Our report has categorized the market based on product type and model type.
Breakup by Product Type:
• Life Bancassurance
• Non-Life Bancassurance
Life Bancassurance represent the most market share
The report has provided a detailed breakup and analysis of the market based on the product type. This includes life bancassurance and non-life bancassurance. According to the report, life bancassurance represented the largest segment.
Life bancassurance products are experiencing notable growth, driven by several market dynamics. The increasing awareness about the importance of financial security and life planning is a significant factor. As consumers become more financially literate, they recognize the value of life insurance policies for ensuring the well-being of their families, especially in the event of unforeseen circumstances like death or disability. Banks, with their existing customer relationships, are well-positioned to introduce these vital products. Moreover, the rise of dual-income households has led to higher disposable income, making life insurance more affordable for a broader segment of the population. Technological advancements have also simplified the process of purchasing life insurance, as customers can now easily compare and buy policies through online banking platforms. Additionally, demographic factors like an aging population further boost demand as older individuals seek to secure their post-retirement life. Lastly, regulatory changes that allow banks greater freedom to cross-sell financial products have also contributed to market growth. All these drivers collectively make life bancassurance products increasingly popular, benefiting both financial institutions and consumers.
Breakup by Model Type:
• Pure Distributor
• Exclusive Partnership
• Financial Holding
• Joint Venture
Pure Distributor account for the majority of the market share
A detailed breakup and analysis of the market based on the model type has also been provided in the report. This includes pure distributor, exclusive partnership, financial holding, and joint venture. According to the report, pure distributor accounted for the largest market share.
The Pure Distributor Model in the bancassurance industry is gaining traction due to various market drivers. In this model, the bank acts solely as a distributor of insurance products without taking on any underwriting risk, which makes it highly appealing for financial institutions that want to diversify their offerings without incurring additional liabilities. One of the primary drivers is the low operational cost. Banks can leverage their existing infrastructure, customer base, and communication channels, thereby eliminating the need for significant additional investments. This cost-efficiency makes the model highly attractive for both large-scale banks and smaller, regional institutions. Regulatory frameworks in some regions have also been supportive of this model, allowing for easier compliance and reduced legal complexities. Additionally, customer preferences for one-stop financial solutions play a significant role. The convenience of purchasing insurance products at the same place where they conduct their regular banking activities is appealing to consumers. In an increasingly competitive banking landscape, the Pure Distributor Model provides an excellent avenue for banks to differentiate their services, attract new customers, and retain existing ones, thereby serving as a lucrative market driver in the bancassurance industry.
Breakup by Region:
• Asia Pacific
• Europe
• Latin America
• North America
• Middle East and Africa
Asia Pacific exhibits a clear dominance, accounting for the largest bancassurance market share
The market research report has also provided a comprehensive analysis of all the major regional markets, which include Asia Pacific, Europe, Latin America, North America, and Middle East and Africa. According to the report, Asia Pacific exhibited the largest segment.
The bancassurance industry in the Asia Pacific region is experiencing robust growth, propelled by a range of market drivers. One of the most significant factors is the burgeoning middle class with increasing disposable income and financial literacy. This demographic is showing a greater interest in diversified financial products, including insurance. The region is also characterized by a relatively low penetration of insurance services, creating a large untapped market for bancassurance to fill. Regulatory changes in many Asia Pacific countries are becoming more conducive to the bancassurance model, facilitating partnerships between banks and insurance companies. Furthermore, the high rate of digital adoption in countries like Singapore, South Korea, and China has allowed bancassurance to benefit from technological advancements. Digital platforms are making it easier for consumers to access, compare, and purchase insurance products conveniently, thus boosting the industry's reach. In addition, many local and regional banks are forging strategic alliances with global insurance providers to offer more comprehensive and tailored solutions to their customer base. These multiple driving forces collectively contribute to the expansion and increasing acceptance of bancassurance in the Asia Pacific market.
Competitive Landscape:
The key players are establishing strong partnerships with banks. This enables banks to offer insurance products alongside their banking services, thus providing customers with a convenient one-stop solution for their financial needs. Along with this, bancassurance firms are working to broaden their product portfolios. They are introducing a wide array of insurance offerings, such as life insurance, health insurance, property insurance, and more, catering to the varied requirements of their customer base. In addition, companies are emphasizing a customer-centric approach by tailoring insurance products to the specific needs of their banking customers, which is acting as another growth-inducing factor. Apart from this, the growing investments in technology and online platforms to provide seamless and convenient access to insurance products, allowing customers to purchase policies and manage claims digitally are positively influencing the market. Furthermore, key players are leveraging marketing and branding strategies to establish themselves as trusted authorities in the industry.
The market research report has provided a comprehensive analysis of the competitive landscape in the market. Detailed profiles of all major companies have also been provided. Some of the key players in the market include:
• ABN AMRO Bank N.V.
• The Australia and New Zealand Banking Group Limited
• Banco Bradesco SA
• The American Express Company
• Banco Santander, S.A.
• BNP Paribas S.A.
• The ING Group
• Wells Fargo & Company
• Barclays plc
• Intesa Sanpaolo S.p.A.
• Lloyds Banking Group plc
• Citigroup Inc.
• Crédit Agricole S.A.
• HSBC Holdings plc
• NongHyup Financial Group
• Société Générale
• Nordea Group
Key Questions Answered in This Report
1.What was the size of the global bancassurance market in 2024?
2.What is the expected growth rate of the global bancassurance market during 2025-2033?
3.What are the key factors driving the global bancassurance market?
4.What has been the impact of COVID-19 on the global bancassurance market?
5.What is the breakup of the global bancassurance market based on the product type?
6.What is the breakup of the global bancassurance market based on the model type?
7.What are the key regions in the global bancassurance market?
8.Who are the key players/companies in the global bancassurance market?
