バンカシュアランス市場規模、シェア、成長分析：保険タイプ別、モデルタイプ別、流通チャネル別、エンドユース産業別、地域別 - 産業予測 2025年～2032年

バンカシュアランス市場規模は2023年に1兆3,200億米ドルと評価され、2024年の1兆4,000億米ドルから2032年には2兆1,900億米ドルに成長し、予測期間（2025年～2032年）のCAGRは5.8％で成長する見通しです。

世界のバンカシュアランス市場は、主に総合的な金融商品や保険サービスに対する消費者需要の高まりに後押しされ、力強い成長を遂げています。顧客はますます便利なワンストップ・ソリューションを求めるようになっており、バンカシュアランスは従来の銀行サービスとともに保険へのシームレスなアクセスを提供しています。この動向は、可処分所得の増加と金融リテラシーの向上が保険加入需要を促進している新興国で特に顕著です。さらに、世界的に確立された銀行ネットワークは、その広範な顧客基盤、信頼、消費者の嗜好に関する洞察を保険会社のプラットフォームとして活用し、この成長において重要な役割を果たしています。オンライン・バンキングを通じた保険商品の販売など、銀行内で進行中のデジタル・トランスフォーメーションは、アクセシビリティを大幅に向上させ、バンカシュアランス分野の拡大をさらに後押ししています。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次データと一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析
• 規制情勢
• ケーススタディ

バンカシュアランス市場規模：保険タイプ別& CAGR（2025-2032）

• 市場概要
• 生命保険
• 損害保険

バンカシュアランス市場規模：モデルタイプ別& CAGR（2025-2032）

• 市場概要
• 純粋なディストリビューターモデル
• 戦略的提携モデル
• ジョイントベンチャーモデル
• 金融保有
• その他

バンカシュアランス市場規模：流通チャネル別& CAGR（2025-2032）

• 市場概要
• 銀行
• 保険会社

バンカシュアランス市場規模：エンドユース産業別& CAGR（2025-2032）

• 市場概要
• 個人
• 会社

バンカシュアランス市場規模：地域別& CAGR（2025-2032）

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 市場の最近の動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 会社概要
  • 製品ポートフォリオ分析
  • セグメント別シェア分析
  • 収益の前年比比較（2022-2024）

主要企業プロファイル

• Australia and New Zealand Banking Group Limited（ANZ）（Australia）
• Banco Bradesco S.A.（Brazil）
• The American Express Company（United States）
• Banco Santander, S.A.（Spain）
• BNP Paribas S.A.（France）
• ING Bank N.V.（Netherlands）
• Wells Fargo & Company（United States）
• Barclays PLC（United Kingdom）
• Intesa Sanpaolo S.p.A.（Italy）
• Lloyds Banking Group（United Kingdom）
• Citigroup Inc.（United States）
• Credit Agricole S.A.（France）
• HSBC Holdings plc（United Kingdom）
• NongHyup Financial Group（South Korea）
• Societe Generale S.A.（France）
• Nordea Group（Finland）
• Deutsche Bank AG（Germany）
• JPMorgan Chase & Co.（United States）

結論と推奨事項

Bancassurance Market size was valued at USD 1.32 trillion in 2023 and is poised to grow from USD 1.4 trillion in 2024 to USD 2.19 trillion by 2032, growing at a CAGR of 5.8% during the forecast period (2025-2032).

The global bancassurance market is experiencing robust growth, fueled primarily by rising consumer demand for integrated financial products and insurance services. As clients increasingly seek convenient, one-stop solutions for their financial needs, bancassurance offers seamless access to insurance alongside traditional banking services. This trend is particularly notable in emerging economies, where higher disposable incomes and increasing financial literacy are driving the demand for insurance coverage. Furthermore, established banking networks worldwide play a crucial role in this growth, leveraging their extensive customer bases, trust, and insights into consumer preferences as a platform for insurance companies. The ongoing digital transformation within banks, including the distribution of insurance products via online banking, significantly enhances accessibility, further propelling the bancassurance sector's expansion.

Top-down and bottom-up approaches were used to estimate and validate the size of the Bancassurance market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Bancassurance Market Segments Analysis

Global Bancassurance Market is segmented by Insurance Type, Model Type, Distribution Channel, End Use Industry and region. Based on Insurance Type, the market is segmented into Life Insurance and Non-Life Insurance. Based on Model Type, the market is segmented into Pure Distributor Model, Strategic Alliance Model, Joint Venture Model, Financial Holding and Others. Based on Distribution Channel, the market is segmented into Banks and Insurance Companies. Based on End Use Industry, the market is segmented into Personal and Business. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Bancassurance Market

Bancassurance serves as a significant market driver by facilitating cross-selling opportunities between banks and insurance companies. Through this collaboration, banks can easily market insurance products to their established customer base, enhancing their service offerings. Simultaneously, insurance providers can introduce banking solutions to their policyholders, expanding their product range. This synergistic relationship generates mutual benefits, optimizing customer engagement and satisfaction for both entities. By leveraging each other's strengths, banks and insurers can create a cohesive platform that not only diversifies their services but also drives increased revenue and growth across both sectors, making Bancassurance a vital component in today's financial landscape.

Restraints in the Bancassurance Market

In mature bancassurance markets, where the model has been in place for a considerable duration, opportunities for significant growth can be constrained by market saturation. As a result, the potential for further expansion may necessitate targeting new geographical areas or focusing on previously overlooked customer segments. This limitation calls for strategic initiatives to enhance market penetration and diversify offerings, enabling companies to innovate and attract new clients within a competitive landscape. Consequently, businesses must assess their growth strategies to identify suitable avenues for development and sustain their relevance in the evolving financial services market.

Market Trends of the Bancassurance Market

The bancassurance market is witnessing a significant trend towards the adoption of digital technologies as banks strive to meet evolving consumer expectations and combat intensifying competition. By harnessing digital platforms, banks are integrating insurance services within their online banking frameworks and mobile applications, which not only provides customers with easy access to a diverse range of insurance products but also allows for personalized experiences and streamlined purchasing processes. The utilization of data analytics and artificial intelligence enables banks to better understand customer behavior, fostering targeted marketing and tailored product offerings. This digital transformation is set to enhance customer engagement and streamline operations, ultimately leading to cost efficiencies for both banking and insurance sectors. As the appetite for innovative digital banking and insurance solutions grows, the integration of advanced technologies is poised to redefine the global bancassurance landscape in the foreseeable future.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis
• Regulatory Landscape
• Case Studies

Global Bancassurance Market Size by Insurance Type & CAGR (2025-2032)

• Market Overview
• Life Insurance
• Non-Life Insurance

Global Bancassurance Market Size by Model Type & CAGR (2025-2032)

• Market Overview
• Pure Distributor Model
• Strategic Alliance Model
• Joint Venture Model
• Financial Holding
• Others

Global Bancassurance Market Size by Distribution Channel & CAGR (2025-2032)

• Market Overview
• Banks
• Insurance Companies

Global Bancassurance Market Size by End Use Industry & CAGR (2025-2032)

• Market Overview
• Personal
• Business

Global Bancassurance Market Size & CAGR (2025-2032)

• North America (Insurance Type, Model Type, Distribution Channel, End Use Industry)
  • US
  • Canada
• Europe (Insurance Type, Model Type, Distribution Channel, End Use Industry)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Insurance Type, Model Type, Distribution Channel, End Use Industry)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Insurance Type, Model Type, Distribution Channel, End Use Industry)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Insurance Type, Model Type, Distribution Channel, End Use Industry)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• Australia and New Zealand Banking Group Limited (ANZ) (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Banco Bradesco S.A. (Brazil)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• The American Express Company (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Banco Santander, S.A. (Spain)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• BNP Paribas S.A. (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• ING Bank N.V. (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Wells Fargo & Company (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Barclays PLC (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Intesa Sanpaolo S.p.A. (Italy)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Lloyds Banking Group (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Citigroup Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Credit Agricole S.A. (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• HSBC Holdings plc (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• NongHyup Financial Group (South Korea)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Societe Generale S.A. (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Nordea Group (Finland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Deutsche Bank AG (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• JPMorgan Chase & Co. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations