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バンカシュアランス市場レポート：製品タイプ別、モデル別、地域別、2025年～2033年

Bancassurance Market Report by Product Type (Life Bancassurance, Non-Life Bancassurance), Model Type (Pure Distributor, Exclusive Partnership, Financial Holding, Joint Venture), and Region 2025-2033

出版日
発行
IMARC
ページ情報
英文 142 Pages
納期
2～3営業日
カスタマイズ可能
価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=146.82円
バンカシュアランス市場レポート：製品タイプ別、モデル別、地域別、2025年～2033年
出版日: 2025年02月10日
発行: IMARC
ページ情報: 英文 142 Pages
納期: 2～3営業日
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  • 全表示
  • 概要
  • 図表
  • 目次
概要

バンカシュアランス市場の世界市場規模は2024年に1兆5,067億米ドルに達しました。IMARC Groupは、2025年から2033年にかけての成長率（CAGR）は5.23%で、2033年には2兆4,395億米ドルに達すると予測しています。統合された金融サービスに対する顧客ニーズの高まり、金融管理の利便性と効率性に対する需要の高まり、さまざまな業界におけるカスタマイズの新たな動向などが、市場成長を促進する主な要因となっています。

バンカシュアランスとは、銀行と保険会社が提携し、銀行の顧客基盤に保険商品を提供するビジネスモデルです。この提携により、銀行は金融サービスの幅を広げ、顧客がすでに信頼し、頻繁に利用しているプラットフォームを通じて保険契約を購入できる利便性を提供することができます。保険会社にとっては、この提携により、新たな販売チャネルを確立することなく、より幅広い顧客層へのアクセスが可能になります。通常、銀行は保険証券を販売するごとに手数料を得るため、ビジネスに新たな収益源が加わることになります。顧客にとっては、銀行業務と保険業務のニーズをひとつ屋根の下で管理できる、ワンストップショップのメリットがあります。バンカシュアランスは、保険加入プロセスを簡素化し、アクセシビリティを高めるため、保険普及率が低い国では特に人気があります。

バンカシュアランス業界の市場促進要因のひとつは、統合金融サービスに対する顧客ニーズの高まりです。現代の消費者は、財務管理における利便性と効率性を求めており、バンカシュアランスは、単一のプラットフォームを通じてバンキングと保険サービスを統合するという利点を提供しています。消費者が金融ニーズにシームレスなワンストップソリューションを求める傾向が強まる中、バンカシュアランスモデルはこの需要を満たすのに適した位置にあり、市場の成長を後押ししています。ヘルスケアコストの上昇に伴い、高齢者の間では退職後の経済的保障に対する不安が高まっています。そのため、バンカシュアランスは市場を大きく支えています。さらに、バンカシュアランスは銀行と保険会社の戦略的提携を可能にします。これは、幅広い販売網を持たない保険会社にとって有益です。こうした提携により、銀行の顧客ニーズに特化した革新的な商品が生まれることも多く、採用の可能性が高まる。さらに、さまざまな業界でカスタマイズの傾向が強まっていることも、市場の見通しを明るいものにしています。

バンカシュアランス市場傾向／促進要因：

規制環境

規制状況もまた、バンカシュアランス市場を形成する重要な要素です。一部の国では、金融規制の変更により、銀行と保険会社の協業が容易になっています。例えば、金融商品の相互販売に関する規制が緩和されたことで、銀行が顧客に保険契約を提供する自由度が高まった。このような規制上の支援は、新たな収益の道を開き、競争を促し、イノベーションとより良い商品提供を促進します。しかし、バンカシュアランスパートナーは、データプライバシー法やマネーロンダリング防止指令など、消費者の利益保護を目的とした規制を遵守し続けることが不可欠です。全体として、規制環境の整備はバンカシュアランス業界の成長に大きく寄与しています。

経済成長と金融リテラシーの向上

経済成長に伴い、保険を含む金融サービスを必要とする消費者の数も増加します。経済開発は通常、所得水準の向上につながり、より多くの消費者が保険商品を購入できるようになります。さらに、政府や団体による金融リテラシーの向上キャンペーンにより、消費者は保険の重要性を認識し、保険サービスを求めるようになります。定評のある金融機関である銀行は、その評判や顧客との関係を活用して、保険商品を効果的にクロスセルすることができます。一般に保険の普及率が低い新興経済諸国では、一般市民が保険商品をより利用しやすくする上で、銀行が極めて重要な役割を果たすことができます。こうした経済成長と金融意識の向上は、バンカシュアランス業界の拡大を促す市場促進要因となっています。

技術の進歩とデジタル化

デジタル技術の急速な発展も、バンカシュアランス業界の重要な推進力となっています。データ分析、人工知能、機械学習の進歩により、銀行も保険会社もよりパーソナライズされた効果的な商品を提供できるようになった。例えば、予測分析によって、特定のタイプの保険商品を受け入れやすい特定の顧客層を特定することができます。また、デジタルプラットフォームは、保険契約の申し込みや保険金の請求、その他の取引に便利なオンライン手段を提供し、消費者へのアプローチを容易にします。このような技術的能力は、顧客満足度を向上させ、業務効率を高め、バンカシュアランスの関係者双方にとってより収益性の高いものとなります。テクノロジーが進化を続けるにつれ、バンカシュアランスの市場ポテンシャルがさらに高まることが期待されます。

目次

第1章 序文

第2章 調査範囲と調査手法

  • 調査の目的
  • ステークホルダー
  • データソース
    • 一次情報
    • 二次情報
  • 市場推定
    • ボトムアップアプローチ
    • トップダウンアプローチ
  • 調査手法

第3章 エグゼクティブサマリー

第4章 イントロダクション

  • 概要
  • 主要業界動向

第5章 世界のバンカシュアランス市場

  • 市場概要
  • 市場実績
  • COVID-19の影響
  • 市場内訳：製品タイプ別
  • 市場内訳：モデル別
  • 市場内訳：地域別
  • 市場予測
  • SWOT分析
    • 概要
    • 強み
    • 弱み
    • 機会
    • 脅威
  • バリューチェーン分析
    • 概要
    • 製品開発
    • マーケティングとプロモーション
    • リードジェネレーションとセールス
    • 新規ビジネス処理
    • サービス、CRM、リピート販売
  • ポーターのファイブフォース分析
    • 概要
    • 買い手の交渉力
    • 供給企業の交渉力
    • 競合の程度
    • 新規参入業者の脅威
    • 代替品の脅威

第6章 市場内訳：製品タイプ別

  • 生命保険バンカシュアランス
    • 市場動向
    • 市場予測
  • 損害保険バンカシュアランス
    • 市場動向
    • 市場予測

第7章 市場内訳：モデル別

  • ピュアディストリビューター
    • 市場動向
    • 市場予測
  • 独占パートナーシップ
    • 市場動向
    • 市場予測
  • 金融保有
    • 市場動向
    • 市場予測
  • 合弁事業
    • 市場動向
    • 市場予測

第8章 市場内訳：地域別

  • アジア太平洋地域
  • 北米
  • 欧州
  • 中東・アフリカ
  • ラテンアメリカ

第9章 競合情勢

  • 市場構造
  • 主要企業
  • 主要企業のプロファイル
    • 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.
    • Credit Agricole S.A.
    • HSBC Holdings plc
    • NongHyup Financial Group
    • Societe Generale
    • Nordea Group
図表

List of Figures

  • Figure 1: Global: Bancassurance Market: Major Drivers and Challenges
  • Figure 2: Global: Bancassurance Market: Sales Value (in Billion USD), 2019-2024
  • Figure 3: Global: Bancassurance Market: Breakup by Product Type (in %), 2024
  • Figure 4: Global: Bancassurance Market: Breakup by Model Type (in %), 2024
  • Figure 5: Global: Bancassurance Market: Breakup by Region (in %), 2024
  • Figure 6: Global: Bancassurance Market Forecast: Sales Value (in Billion USD), 2025-2033
  • Figure 7: Global: Bancassurance Industry: SWOT Analysis
  • Figure 8: Global: Bancassurance Industry: Value Chain Analysis
  • Figure 9: Global: Bancassurance Industry: Porter's Five Forces Analysis
  • Figure 10: Global: Bancassurance Market (Life Bancassurance): Sales Value (in Million USD), 2019 & 2024
  • Figure 11: Global: Bancassurance Market Forecast (Life Bancassurance): Sales Value (in Million USD), 2025-2033
  • Figure 12: Global: Bancassurance Market (Non-Life Bancassurance): Sales Value (in Million USD), 2019 & 2024
  • Figure 13: Global: Bancassurance Market Forecast (Non-Life Bancassurance): Sales Value (in Million USD), 2025-2033
  • Figure 14: Global: Bancassurance Market (Pure Distributor): Sales Value (in Million USD), 2019 & 2024
  • Figure 15: Global: Bancassurance Market Forecast (Pure Distributor): Sales Value (in Million USD), 2025-2033
  • Figure 16: Global: Bancassurance Market (Exclusive Partnership): Sales Value (in Million USD), 2019 & 2024
  • Figure 17: Global: Bancassurance Market Forecast (Exclusive Partnership): Sales Value (in Million USD), 2025-2033
  • Figure 18: Global: Bancassurance Market (Financial Holding): Sales Value (in Million USD), 2019 & 2024
  • Figure 19: Global: Bancassurance Market Forecast (Financial Holding): Sales Value (in Million USD), 2025-2033
  • Figure 20: Global: Bancassurance Market (Joint Venture): Sales Value (in Million USD), 2019 & 2024
  • Figure 21: Global: Bancassurance Market Forecast (Joint Venture): Sales Value (in Million USD), 2025-2033
  • Figure 22: Asia Pacific: Bancassurance Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 23: Asia Pacific: Bancassurance Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 24: Europe: Bancassurance Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 25: Europe: Bancassurance Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 26: Latin America: Bancassurance Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 27: Latin America: Bancassurance Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 28: North America: Bancassurance Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 29: North America: Bancassurance Market Forecast: Sales Value (in Million USD), 2025-2033
  • Figure 30: Middle East and Africa: Bancassurance Market: Sales Value (in Million USD), 2019 & 2024
  • Figure 31: Middle East and Africa: Bancassurance Market Forecast: Sales Value (in Million USD), 2025-2033

List of Tables

  • Table 1: Global: Bancassurance Market: Key Industry Highlights, 2024 & 2033
  • Table 2: Global: Bancassurance Market Forecast: Breakup by Product Type (in Million USD), 2025-2033
  • Table 3: Global: Bancassurance Market Forecast: Breakup by Model Type (in Million USD), 2025-2033
  • Table 4: Global: Bancassurance Market Forecast: Breakup by Region (in Million USD), 2025-2033
  • Table 5: Global: Bancassurance Market: Competitive Structure
  • Table 6: Global: Bancassurance Market: Key Players
目次
Product Code: SR112025A982

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:

Breakup by Product Type:

  • Life Bancassurance
  • Non-Life Bancassurance

Life Bancassurance represent the most market share

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

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.
  • Credit Agricole S.A.
  • HSBC Holdings plc
  • NongHyup Financial Group
  • Societe Generale
  • 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?

Table of Contents

1 Preface

2 Scope and Methodology

  • 2.1 Objectives of the Study
  • 2.2 Stakeholders
  • 2.3 Data Sources
    • 2.3.1 Primary Sources
    • 2.3.2 Secondary Sources
  • 2.4 Market Estimation
    • 2.4.1 Bottom-Up Approach
    • 2.4.2 Top-Down Approach
  • 2.5 Forecasting Methodology

3 Executive Summary

4 Introduction

  • 4.1 Overview
  • 4.2 Key Industry Trends

5 Global Bancassurance Market

  • 5.1 Market Overview
  • 5.2 Market Performance
  • 5.3 Impact of COVID-19
  • 5.4 Market Breakup by Product Type
  • 5.5 Market Breakup by Model Type
  • 5.6 Market Breakup by Region
  • 5.7 Market Forecast
  • 5.8 SWOT Analysis
    • 5.8.1 Overview
    • 5.8.2 Strengths
    • 5.8.3 Weaknesses
    • 5.8.4 Opportunities
    • 5.8.5 Threats
  • 5.9 Value Chain Analysis
    • 5.9.1 Overview
    • 5.9.2 Product Development
    • 5.9.3 Marketing and Promotion
    • 5.9.4 Lead Generation and Sales
    • 5.9.5 New Business Processing
    • 5.9.6 Servicing, CRM and Repeat Sales
  • 5.10 Porters Five Forces Analysis
    • 5.10.1 Overview
    • 5.10.2 Bargaining Power of Buyers
    • 5.10.3 Bargaining Power of Suppliers
    • 5.10.4 Degree of Competition
    • 5.10.5 Threat of New Entrants
    • 5.10.6 Threat of Substitutes

6 Market Breakup by Product Type

  • 6.1 Life Bancassurance
    • 6.1.1 Market Trends
    • 6.1.2 Market Forecast
  • 6.2 Non-Life Bancassurance
    • 6.2.1 Market Trends
    • 6.2.2 Market Forecast

7 Market Breakup by Model Type

  • 7.1 Pure Distributor
    • 7.1.1 Market Trends
    • 7.1.2 Market Forecast
  • 7.2 Exclusive Partnership
    • 7.2.1 Market Trends
    • 7.2.2 Market Forecast
  • 7.3 Financial Holding
    • 7.3.1 Market Trends
    • 7.3.2 Market Forecast
  • 7.4 Joint Venture
    • 7.4.1 Market Trends
    • 7.4.2 Market Forecast

8 Market Breakup by Region

  • 8.1 Asia Pacific
    • 8.1.1 Market Trends
    • 8.1.2 Market Forecast
  • 8.2 Europe
    • 8.2.1 Market Trends
    • 8.2.2 Market Forecast
  • 8.3 Latin America
    • 8.3.1 Market Trends
    • 8.3.2 Market Forecast
  • 8.4 North America
    • 8.4.1 Market Trends
    • 8.4.2 Market Forecast
  • 8.5 Middle East and Africa
    • 8.5.1 Market Trends
    • 8.5.2 Market Forecast

9 Competitive Landscape

  • 9.1 Market Structure
  • 9.2 Key Players
  • 9.3 Profiles of Key Players
    • 9.3.1 ABN AMRO Bank N.V.
    • 9.3.2 The Australia and New Zealand Banking Group Limited
    • 9.3.3 Banco Bradesco SA
    • 9.3.4 The American Express Company
    • 9.3.5 Banco Santander, S.A.
    • 9.3.6 BNP Paribas S.A.
    • 9.3.7 The ING Group
    • 9.3.8 Wells Fargo & Company
    • 9.3.9 Barclays plc
    • 9.3.10 Intesa Sanpaolo S.p.A.
    • 9.3.11 Lloyds Banking Group plc
    • 9.3.12 Citigroup Inc.
    • 9.3.13 Credit Agricole S.A.
    • 9.3.14 HSBC Holdings plc
    • 9.3.15 NongHyup Financial Group
    • 9.3.16 Societe Generale
    • 9.3.17 Nordea Group