GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

i

TABLE OF CONTENTS

0.0 EXECUTIVE SUMMARY ............................................................................................................................... 1

1.0 INTRODUCTION ............................................................................................................................................ 2

What is this report about? .................................................................................................................................. 2 The study covers over 1,500 consumer banking operations in more than 100 countries worldwide… ..................... 2 … logging the partnerships of each in accident and health insurance ........................................................................ 2

Rationale ............................................................................................................................................................. 2 Banks are significant distributors of these types of insurance in a number of countries ............................................. 2

Methodology ....................................................................................................................................................... 3 Survey of banks and other lending institutions .............................................................................................. 3

Product definitions .............................................................................................................................................. 4 Accident insurance ......................................................................................................................................... 5

Health / hospital cash plans ........................................................................................................................... 6

Medical expenses insurance .......................................................................................................................... 6

Operating model definitions ............................................................................................................................... 6 PartnerBASE ...................................................................................................................................................... 7 Finaccord ............................................................................................................................................................ 7

Numerous other studies about bancassurance are also available from Finaccord .................................................... 7

2.0 GROUP STRATEGY OVERVIEW ................................................................................................................ 9

Introduction ......................................................................................................................................................... 9 Provision rates .................................................................................................................................................... 9

Overview ......................................................................................................................................................... 9

Accident insurance is on offer most regularly, followed by medical expenses insurance........................................... 9 Regional variances ....................................................................................................................................... 10

Banking entities based in the Asia-Pacific region are most likely to offer these policy types… ................................ 10 … and they are least often promoted by banks in North America and the Caribbean ............................................. 11 Relatively few banks in the Middle East and Africa have developed a proposition in this area ............................... 12 At the sub-regional level, accident insurance is especially popular among banks in Latin America ........................ 13

Operating models ............................................................................................................................................. 15 Captive underwriters account for close to a quarter of all initiatives identified in this field ........................................ 15

Provider share of partnerships ........................................................................................................................ 16 MetLife leads by unweighted share of partnerships for accident insurance… .......................................................... 16 ... and is also first (by a wider margin) for health / hospital cash plans… .................................................................. 17 … but is overtaken by AXA when it comes to medical expenses insurance............................................................. 18

3.0 GROUP STRATEGY ANALYSIS (in interactive Excel PartnerBASE)

Abanka

ABN AMRO

Abu Dhabi Islamic Bank

Access Bank Group

ACLEDA Bank

ADB

ADCB

Addiko Bank

AEON Financial Services

Affin Holdings

African Bank Investments

Agribank

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) ii

Agricultural Bank of China

Ahli United Bank

AIB Group

AK BARS Bank

Akbank

Al Baraka Banking Group

Al Rajhi Bank

Al Salam Bank – Bahrain

Alfa Banking Group

alinma bank

Alior Bank

Allahabad Bank

Alliance Data Card Services

Alliance Financial Group

Allied Bank

Alpha Bank Group

AmBank Group

Amen Bank

American Express

AnaCap Financial Partners

Anadolubank

ANB Group

Andhra Bank

ANZ

Arab Bank

Argenta Group

ATB Financial

Atlas Mara

Axis Bank

B&N Bank

BanBajío

Banca Afirme

Banca Mediolanum

Banca Transilvania

Banco Agrario de Colombia

Banco Ahorro Famsa

Banco Alfa

Banco Atlantida

Banco BIC

Banco Bolivariano

Banco Caja Social

Banco Consorcio

Banco Credicoop

Banco da Amazônia

Banco Davivienda

Banco de Brasília

Banco de Córdoba

Banco de Costa Rica

Banco de la Ciudad

Banco de la Nación (Argentina)

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) iii

Banco de la Nación (Perú)

Banco del Pacífico

Banco do Brasil

Banco do Nordeste

Banco Falabella

Banco Ficohsa

Banco General

Banco GNB Sudameris

Banco Hipotecario

Banco Industrial

Banco Mercantil do Brasil

Banco Mercantil Santa Cruz

Banco Nacional de Costa Rica

Banco Nacional de Panamá

Banco Pan

Banco Popular (Costa Rica)

Banco Popular (Dominican Republic)

Banco Popular (Puerto Rico)

Banco Postal

Banco Provincia

Banco República

Banco Ripley

Banco Sabadell

Banco Sol

BancoEstado

Banesco

Bangkok Bank

Bank Albilad

Bank AlJazira

Bank Asya

Bank Audi

Bank Central Asia

Bank Danamon

Bank Hapoalim

Bank Leumi

Bank Mandiri

Bank Muscat Group

Bank Negara Indonesia

Bank of America

Bank of Baroda

Bank of Beijing

Bank of Beirut

Bank of Ceylon

Bank of China

Bank of Commerce

Bank of Communications

Bank of India

Bank of Ireland

Bank of Jiangsu

Bank of Ningbo

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) iv

Bank of Queensland

Bank of Shanghai

Bank of the Philippine Islands

Bank of Yokohama

Bank Rakyat Indonesia

Banka Citadele

Bankia

BankMed

Banorte

BanPará

Banque de l'Agriculture et du Développement Rural

Banque de Tunisie

Banque du Caire

Banque et Caisse d'Épargne de l'État

Banque Extèrieure d'Algérie

Banque Française Mutualiste

Banque Misr

BanReservas

Banrisul

Barclays

Basler Kantonalbank

BAWAG PSK

BayernLB

BB&T

BBK

BBVA

Bci

BDO Unibank

BEA Group

Beijing Rural Commercial Bank

Belfius

Bendigo and Adelaide Bank

BGFIBank Group

BIAT

BIDV

BLOM Bank

BMCE Bank

BMN

BMO Financial Group

BNA (Banque Nationale d’Algérie)

BNK Financial Group

BNP Paribas

BPC

BPI

Bradesco

BSN

Burgan Bank

Byblos Bank Group

Caixa Econômica Federal

Caja de Ahorros (Panama)

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) v

Caja Los Andes

Caja Popular Mexicana

Cambodia Post Bank

Canadia Bank

Canara Bank

Capital One

CB Bank

CBA Group

CEC Bank

Centenary Bank

Chase Bank

Chiba Bank

China CITIC Bank

China Construction Bank

China Everbright Bank

China Guangfa Bank

China Merchants Bank

China Minsheng Bank

Chongqing Rural Commercial Bank

CIB

CIBC

CIH Bank

CIMB Group

Citigroup

Citizens Financial Group

Clientis

CNEP Banque

Coast Capital Savings

Comerica

Commercial Bank of Ceylon

Commercial Bank of Dubai

Commercial Bank of Ethiopia

Commercial Bank of Qatar

Commerzbank

Commonwealth Bank Group

Co-operative Bank of Kenya

Cornèr Banca

Corporation Bank

Coventry Building Society

CPA Bank

CRDB Bank

Credicorp

Crédit Agricole

Crédit Mutuel

Credit Saison

Credit Suisse Group

CTBC Financial Holding

CYBG

Danske Bank

DBS

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) vi

De Volksbank

Desjardins Group

Deutsche Bank

DFCU Bank

DGB Financial Group

Diamond Bank

Discount Bank

Discover Financial Services

DNB

Doha Bank

DongA Bank

Drei Banken Gruppe

DTB Group

Dubai Islamic Bank

Ecobank

Eika Gruppen

Emirates NBD

Equity Group Holdings

Erste Group

Eurobank Ergasias

Evergrowing Bank

Exim Bank Group

FBN Holdings

FCMB

FGB

FiBA Group

Fibank

Fidelity Bank

Fifth Third Bancorp

Financiera Independencia

First Ukrainian International Bank

FirstRand Group

Fukuoka Financial Group

GarantiBank

Gazprombank

GCB

Global Bank

Government Savings Bank (Thailand)

Groupe Attijariwafa

Groupe Banque Populaire

Groupe BPCE

Groupe NSIA

Grupo Aval

Grupo Bancolombia

Grupo Caja Rural

Grupo CGD

Grupo Coomeva

Grupo Galicia

Grupo Interbank

Grupo Macro

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) vii

Grupo Pichincha

Grupo Safra

Grupo Salinas

Grupo Security

Grupo Supervielle

Gruppo Banca Carige

Gruppo Banca Sella

Gruppo BPER

Gruppo BPM

Gruppo Credem

GTBank

Guangzhou Rural Commercial Bank

Gulf Bank

Habib Bank

Halkbank

Hamburger Sparkasse

Hana Financial Group

Handelsbanken

Hatton National Bank

HDFC Bank

Hokuhoku Financial Group

Hong Leong Financial Group

Housing Bank for Trade and Finance

HSBC

Hua Nan Financial

Hua Xia Bank

Huishang Bank

Huntington Bancshares

IberCaja Banco

ICBC

ICICI Bank

IKANO Bank

Inbursa

Indian Bank

Indian Overseas Bank

Industrial Bank

Industrial Bank of Korea

ING Group

International Personal Finance

Intesa Sanpaolo

Investec

İşbank

Islami Bank Bangladesh

Itaú Unibanco Holding

Janata Bank

Japan Post Bank

JB Financial Group

JCB

JP Morgan Chase

Jyske Bank

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) viii

Kasikorn Bank

KB Financial Group

KBC Group

KBZ Bank

KCB Group

KeyCorp

Keystone Bank Group

Kiwibank

Komercijalna Banka

Korea Post Bank

Krungthai Bank

Kuwait Finance House

La Araucana

La Banque Postale

La Caixa

Laboral Kutxa

Landesbank Baden-Württemberg

Landesbank Berlin

Lao Development Bank

Leeds Building Society

Liberbank

Lloyds Banking Group

Los Héroes

M&T Bank

Macquarie Group

Mashreq Bank

Maybank

MCB (Mauritius Commercial Bank)

MCB Bank

MedMera Bank

Mega International Commercial Bank

Metrobank

Midway Financeira

Migrosbank

Millennium BCP

Mitsubishi UFJ Financial Group

Mizuho Financial Group

Monte dei Paschi di Siena

Montepio

Multibank

National Australia Bank Group

National Bank of Canada

National Bank of Egypt

National Bank of Greece

National Bank of Pakistan

Nationwide Building Society

Navy Federal Credit Union

NBAD

NBB

NBK

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) ix

NBO

NCB

Nedbank Group

NH Financial Group

NIC Bank Group

Nishi-Nippon City Bank

NLB Group

NMB (National Microfinance Bank)

Noble Bank

Noor Bank

Nordea Group

Nova KBM Group

NOVO BANCO

Nuevo Banco de Santa Fe

Nykredit

OCBC

Oney Banque Accord

OP Financial Group

Orient Corporation

Oriental Bank of Commerce

Oschadbank

Otkritie Holding

OTP Group

Pentagon Federal Credit Union

People’s Bank

Permanent TSB Group

Philippine National Bank

Ping An Bank

Piraeus Bank

PKO Bank Polski

PNC Financial Services Group

Postal Savings Bank of China

Postfinance

Poštová Banka

PPF Group

PrivatBank

Public Bank

Punjab National Bank

Qatar International Islamic Bank

Qatar Islamic Bank

QNB

Rabobank

Raiffeisen Bankengruppe

Raiffeisen Switzerland

RAKBANK

Rakuten Bank

RBC

RBS Group

RCBC

Regions Financial Corporation

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) x

Renaissance Credit

Republic Bank

Resona Holdings

RHB Banking Group

Riyad Bank

Rupali Bank

Russian Agricultural Bank

Russian Standard Bank

Säästöpankki

Samba Financial Group

Sampath Bank

Samsung Card

Santander

Saudi Hollandi Bank

Sberbank

SBI Group

SBM Group

Scotiabank

SEB Group

S-Group

Shanghai Commercial Bank

Shanghai Pudong Development Bank

Shanghai Rural Commercial Bank

Shinhan Financial Group

Shoko Chukin Bank

Siam Commercial Bank

Šiaulių Bankas

Sicredi

Skipton Building Society

SKOK

Skye Bank

Société Générale

Sonali Bank

SpareBank 1 Gruppen

Sparkasse KölnBonn

Standard Bank Group

Standard Chartered

State Bank of India

State Employees Credit Union

Sterling Bank

Suhyup Bank

Sumitomo Mitsui Financial Group

Suncorp Group

SunTrust Banks

Swedbank

Synchrony Financial

Syndicate Bank

Taishin Financial Holding

Taiwan Cooperative Bank

Taiwan Financial Holdings

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xi

TCS Group

TD Bank Group

TEBA Group

The Co-operative Bank

Turkish Bank Group

U.S. Bancorp

UBA Group

UBI Banca

UBL

UBS

UCO Bank

Ukrgasbank

uniBank

Unicaja

UniCredit

Union Bank of India

Union National Bank

United Bank of India

UOB Group

UralSib

USAA

VakıfBank

Vancity

Vietcombank

Vietinbank

Virgin Money

Volksbank Gruppe

Votorantim Finanças

VTB Group

Wells Fargo

Westpac

Woori Bank Group

Wüstenrot & Württembergische

Yamaguchi Financial Group

Yorkshire Building Society

Zenith Bank

Ziraatbank

Zürcher Kantonalbank

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN MOTOR, HOUSEHOLD AND TRAVEL INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

xii

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY ............................................................................................................................... 1

1.0 INTRODUCTION ............................................................................................................................................ 2

Retail banking operations researched segmented by region and sub-region ................................................ 4 Retail banking operations researched segmented by banking group ............................................................. 5

2.0 GROUP STRATEGY OVERVIEW ................................................................................................................ 9 Provision rates for accident and health insurance offered across country-specific operations of the world’s top 500 retail banking groups, 2016 / 2017 .................................................................................................... 10 Average number of insurance product types (out of accident insurance, health / hospital cash plans and medical expenses insurance) offered across country-specific operations of the world’s top 500 global banking groups, segmented by region, 2016 / 2017 ...................................................................................... 11 Average number of insurance product types (out of accident insurance, health / hospital cash plans and medical expenses insurance) offered across country-specific operations of the world’s top 500 global banking groups, segmented by sub-region, 2016 / 2017 .............................................................................. 12 Provision rates for accident and health insurance offered across country-specific operations of the world’s top 500 global banking groups, segmented by region and product type, 2016 / 2017 ................................ 13 Provision rates for accident and health insurance offered across country-specific operations of the world’s top 500 global banking groups, segmented by sub-region and product type, 2016 / 2017 ......................... 14 Operating models used for accident and health insurance offered across country-specific operations of the world’s top 500 retail banking groups, 2016 / 2017.................................................................................. 15 Unweighted provider share of partnerships for accident insurance offered across country-specific operations of the world’s top 500 retail banking groups, 2016 / 2017 ........................................................... 16 Unweighted provider share of partnerships for health / hospital cash plans offered across country-specific operations of the world’s top 500 retail banking groups, 2016 / 2017 ........................................................... 17 Unweighted provider share of partnerships for medical expenses insurance offered across country-specific operations of the world’s top 500 retail banking groups, 2016 / 2017 ............................................. 18

3.0 GROUP STRATEGY ANALYSIS (in interactive Excel PartnerBASE)

Abanka: overview of banking operations and summary of bancassurance strategy

Abanka: overview of accident and health insurance products offered

Abanka: unweighted and weighted provider share of partnerships for accident and health insurance

ABN AMRO: overview of banking operations and summary of bancassurance strategy

ABN AMRO: overview of accident and health insurance products offered

ABN AMRO: unweighted and weighted provider share of partnerships for accident and health insurance

Abu Dhabi Islamic Bank: overview of banking operations and summary of bancassurance strategy

Abu Dhabi Islamic Bank: overview of accident and health insurance products offered

Abu Dhabi Islamic Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Access Bank Group: overview of banking operations and summary of bancassurance strategy

Access Bank Group: overview of accident and health insurance products offered

Access Bank Group: unweighted and weighted provider share of partnerships for accident and health insurance

ACLEDA Bank: overview of banking operations and summary of bancassurance strategy

ACLEDA Bank: overview of accident and health insurance products offered

ACLEDA Bank: unweighted and weighted provider share of partnerships for accident and health insurance

ADB: overview of banking operations and summary of bancassurance strategy

ADB: overview of accident and health insurance products offered

ADB: unweighted and weighted provider share of partnerships for accident and health insurance

ADCB: overview of banking operations and summary of bancassurance strategy

ADCB: overview of accident and health insurance products offered

ADCB: unweighted and weighted provider share of partnerships for accident and health insurance

Addiko Bank: overview of banking operations and summary of bancassurance strategy

Addiko Bank: overview of accident and health insurance products offered

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xiii

Addiko Bank: unweighted and weighted provider share of partnerships for accident and health insurance

AEON Financial Services: overview of banking operations and summary of bancassurance strategy

AEON Financial Services: overview of accident and health insurance products offered

AEON Financial Services: unweighted and weighted provider share of partnerships for accident and health insurance

Affin Holdings: overview of banking operations and summary of bancassurance strategy

Affin Holdings: overview of accident and health insurance products offered

Affin Holdings: unweighted and weighted provider share of partnerships for accident and health insurance

African Bank Investments: overview of banking operations and summary of bancassurance strategy

African Bank Investments: overview of accident and health insurance products offered

African Bank Investments: unweighted and weighted provider share of partnerships for accident and health insurance

Agribank: overview of banking operations and summary of bancassurance strategy

Agribank: overview of accident and health insurance products offered

Agribank: unweighted and weighted provider share of partnerships for accident and health insurance

Agricultural Bank of China: overview of banking operations and summary of bancassurance strategy

Agricultural Bank of China: overview of accident and health insurance products offered

Agricultural Bank of China: unweighted and weighted provider share of partnerships for accident and health insurance

Ahli United Bank: overview of banking operations and summary of bancassurance strategy

Ahli United Bank: overview of accident and health insurance products offered

Ahli United Bank: unweighted and weighted provider share of partnerships for accident and health insurance

AIB Group: overview of banking operations and summary of bancassurance strategy

AIB Group: overview of accident and health insurance products offered

AIB Group: unweighted and weighted provider share of partnerships for accident and health insurance

AK BARS Bank: overview of banking operations and summary of bancassurance strategy

AK BARS Bank: overview of accident and health insurance products offered

AK BARS Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Akbank: overview of banking operations and summary of bancassurance strategy

Akbank: overview of accident and health insurance products offered

Akbank: unweighted and weighted provider share of partnerships for accident and health insurance

Al Baraka Banking Group: overview of banking operations and summary of bancassurance strategy

Al Baraka Banking Group: overview of accident and health insurance products offered

Al Baraka Banking Group: unweighted and weighted provider share of partnerships for accident and health insurance

Al Rajhi Bank: overview of banking operations and summary of bancassurance strategy

Al Rajhi Bank: overview of accident and health insurance products offered

Al Rajhi Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Al Salam Bank – Bahrain: overview of banking operations and summary of bancassurance strategy

Al Salam Bank – Bahrain: overview of accident and health insurance products offered

Al Salam Bank – Bahrain: unweighted and weighted provider share of partnerships for accident and health insurance

Alfa Banking Group: overview of banking operations and summary of bancassurance strategy

Alfa Banking Group: overview of accident and health insurance products offered

Alfa Banking Group: unweighted and weighted provider share of partnerships for accident and health insurance

alinma bank: overview of banking operations and summary of bancassurance strategy

alinma bank: overview of accident and health insurance products offered

alinma bank: unweighted and weighted provider share of partnerships for accident and health insurance

Alior Bank: overview of banking operations and summary of bancassurance strategy

Alior Bank: overview of accident and health insurance products offered

Alior Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Allahabad Bank: overview of banking operations and summary of bancassurance strategy

Allahabad Bank: overview of accident and health insurance products offered

Allahabad Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Alliance Data Card Services: overview of banking operations and summary of bancassurance strategy

Alliance Data Card Services: overview of accident and health insurance products offered

Alliance Data Card Services: unweighted and weighted provider share of partnerships for accident and health insurance

Alliance Financial Group: overview of banking operations and summary of bancassurance strategy

Alliance Financial Group: overview of accident and health insurance products offered

Alliance Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

Allied Bank: overview of banking operations and summary of bancassurance strategy

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xiv

Allied Bank: overview of accident and health insurance products offered

Allied Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Alpha Bank Group: overview of banking operations and summary of bancassurance strategy

Alpha Bank Group: overview of accident and health insurance products offered

Alpha Bank Group: unweighted and weighted provider share of partnerships for accident and health insurance

AmBank Group: overview of banking operations and summary of bancassurance strategy

AmBank Group: overview of accident and health insurance products offered

AmBank Group: unweighted and weighted provider share of partnerships for accident and health insurance

Amen Bank: overview of banking operations and summary of bancassurance strategy

Amen Bank: overview of accident and health insurance products offered

Amen Bank: unweighted and weighted provider share of partnerships for accident and health insurance

American Express: overview of banking operations and summary of bancassurance strategy

American Express: overview of accident and health insurance products offered

American Express: unweighted and weighted provider share of partnerships for accident and health insurance

AnaCap Financial Partners: overview of banking operations and summary of bancassurance strategy

AnaCap Financial Partners: overview of accident and health insurance products offered

AnaCap Financial Partners: unweighted and weighted provider share of partnerships for accident and health insurance

Anadolubank: overview of banking operations and summary of bancassurance strategy

Anadolubank: overview of accident and health insurance products offered

Anadolubank: unweighted and weighted provider share of partnerships for accident and health insurance

ANB Group: overview of banking operations and summary of bancassurance strategy

ANB Group: overview of accident and health insurance products offered

ANB Group: unweighted and weighted provider share of partnerships for accident and health insurance

Andhra Bank: overview of banking operations and summary of bancassurance strategy

Andhra Bank: overview of accident and health insurance products offered

Andhra Bank: unweighted and weighted provider share of partnerships for accident and health insurance

ANZ: overview of banking operations and summary of bancassurance strategy

ANZ: overview of accident and health insurance products offered

ANZ: unweighted and weighted provider share of partnerships for accident and health insurance

Arab Bank: overview of banking operations and summary of bancassurance strategy

Arab Bank: overview of accident and health insurance products offered

Arab Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Argenta Group: overview of banking operations and summary of bancassurance strategy

Argenta Group: overview of accident and health insurance products offered

Argenta Group: unweighted and weighted provider share of partnerships for accident and health insurance

ATB Financial: overview of banking operations and summary of bancassurance strategy

ATB Financial: overview of accident and health insurance products offered

ATB Financial: unweighted and weighted provider share of partnerships for accident and health insurance

Atlas Mara: overview of banking operations and summary of bancassurance strategy

Atlas Mara: overview of accident and health insurance products offered

Atlas Mara: unweighted and weighted provider share of partnerships for accident and health insurance

Axis Bank: overview of banking operations and summary of bancassurance strategy

Axis Bank: overview of accident and health insurance products offered

Axis Bank: unweighted and weighted provider share of partnerships for accident and health insurance

B&N Bank: overview of banking operations and summary of bancassurance strategy

B&N Bank: overview of accident and health insurance products offered

B&N Bank: unweighted and weighted provider share of partnerships for accident and health insurance

BanBajío: overview of banking operations and summary of bancassurance strategy

BanBajío: overview of accident and health insurance products offered

BanBajío: unweighted and weighted provider share of partnerships for accident and health insurance

Banca Afirme: overview of banking operations and summary of bancassurance strategy

Banca Afirme: overview of accident and health insurance products offered

Banca Afirme: unweighted and weighted provider share of partnerships for accident and health insurance

Banca Mediolanum: overview of banking operations and summary of bancassurance strategy

Banca Mediolanum: overview of accident and health insurance products offered

Banca Mediolanum: unweighted and weighted provider share of partnerships for accident and health insurance

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xv

Banca Transilvania: overview of banking operations and summary of bancassurance strategy

Banca Transilvania: overview of accident and health insurance products offered

Banca Transilvania: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Agrario de Colombia: overview of banking operations and summary of bancassurance strategy

Banco Agrario de Colombia: overview of accident and health insurance products offered

Banco Agrario de Colombia: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Ahorro Famsa: overview of banking operations and summary of bancassurance strategy

Banco Ahorro Famsa: overview of accident and health insurance products offered

Banco Ahorro Famsa: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Alfa: overview of banking operations and summary of bancassurance strategy

Banco Alfa: overview of accident and health insurance products offered

Banco Alfa: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Atlantida: overview of banking operations and summary of bancassurance strategy

Banco Atlantida: overview of accident and health insurance products offered

Banco Atlantida: unweighted and weighted provider share of partnerships for accident and health insurance

Banco BIC: overview of banking operations and summary of bancassurance strategy

Banco BIC: overview of accident and health insurance products offered

Banco BIC: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Bolivariano: overview of banking operations and summary of bancassurance strategy

Banco Bolivariano: overview of accident and health insurance products offered

Banco Bolivariano: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Caja Social : overview of banking operations and summary of bancassurance strategy

Banco Caja Social : overview of accident and health insurance products offered

Banco Caja Social : unweighted and weighted provider share of partnerships for accident and health insurance

Banco Consorcio: overview of banking operations and summary of bancassurance strategy

Banco Consorcio: overview of accident and health insurance products offered

Banco Consorcio: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Credicoop: overview of banking operations and summary of bancassurance strategy

Banco Credicoop: overview of accident and health insurance products offered

Banco Credicoop: unweighted and weighted provider share of partnerships for accident and health insurance

Banco da Amazônia: overview of banking operations and summary of bancassurance strategy

Banco da Amazônia: overview of accident and health insurance products offered

Banco da Amazônia: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Davivienda: overview of banking operations and summary of bancassurance strategy

Banco Davivienda: overview of accident and health insurance products offered

Banco Davivienda: unweighted and weighted provider share of partnerships for accident and health insurance

Banco de Brasília: overview of banking operations and summary of bancassurance strategy

Banco de Brasília: overview of accident and health insurance products offered

Banco de Brasília: unweighted and weighted provider share of partnerships for accident and health insurance

Banco de Córdoba: overview of banking operations and summary of bancassurance strategy

Banco de Córdoba: overview of accident and health insurance products offered

Banco de Córdoba: unweighted and weighted provider share of partnerships for accident and health insurance

Banco de Costa Rica: overview of banking operations and summary of bancassurance strategy

Banco de Costa Rica: overview of accident and health insurance products offered

Banco de Costa Rica: unweighted and weighted provider share of partnerships for accident and health insurance

Banco de la Ciudad: overview of banking operations and summary of bancassurance strategy

Banco de la Ciudad: overview of accident and health insurance products offered

Banco de la Ciudad: unweighted and weighted provider share of partnerships for accident and health insurance

Banco de la Nación (Argentina): overview of banking operations and summary of bancassurance strategy

Banco de la Nación (Argentina): overview of accident and health insurance products offered

Banco de la Nación (Argentina): unweighted and weighted provider share of partnerships for accident and health

insurance

Banco de la Nación (Perú): overview of banking operations and summary of bancassurance strategy

Banco de la Nación (Perú): overview of accident and health insurance products offered

Banco de la Nación (Perú): unweighted and weighted provider share of partnerships for accident and health insurance

Banco del Pacífico: overview of banking operations and summary of bancassurance strategy

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xvi

Banco del Pacífico: overview of accident and health insurance products offered

Banco del Pacífico: unweighted and weighted provider share of partnerships for accident and health insurance

Banco do Brasil: overview of banking operations and summary of bancassurance strategy

Banco do Brasil: overview of accident and health insurance products offered

Banco do Brasil: unweighted and weighted provider share of partnerships for accident and health insurance

Banco do Nordeste: overview of banking operations and summary of bancassurance strategy

Banco do Nordeste: overview of accident and health insurance products offered

Banco do Nordeste: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Falabella: overview of banking operations and summary of bancassurance strategy

Banco Falabella: overview of accident and health insurance products offered

Banco Falabella: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Ficohsa: overview of banking operations and summary of bancassurance strategy

Banco Ficohsa: overview of accident and health insurance products offered

Banco Ficohsa: unweighted and weighted provider share of partnerships for accident and health insurance

Banco General: overview of banking operations and summary of bancassurance strategy

Banco General: overview of accident and health insurance products offered

Banco General: unweighted and weighted provider share of partnerships for accident and health insurance

Banco GNB Sudameris: overview of banking operations and summary of bancassurance strategy

Banco GNB Sudameris: overview of accident and health insurance products offered

Banco GNB Sudameris: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Hipotecario: overview of banking operations and summary of bancassurance strategy

Banco Hipotecario: overview of accident and health insurance products offered

Banco Hipotecario: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Industrial: overview of banking operations and summary of bancassurance strategy

Banco Industrial: overview of accident and health insurance products offered

Banco Industrial: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Mercantil do Brasil: overview of banking operations and summary of bancassurance strategy

Banco Mercantil do Brasil: overview of accident and health insurance products offered

Banco Mercantil do Brasil: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Mercantil Santa Cruz: overview of banking operations and summary of bancassurance strategy

Banco Mercantil Santa Cruz: overview of accident and health insurance products offered

Banco Mercantil Santa Cruz: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Nacional de Costa Rica: overview of banking operations and summary of bancassurance strategy

Banco Nacional de Costa Rica: overview of accident and health insurance products offered

Banco Nacional de Costa Rica: unweighted and weighted provider share of partnerships for accident and health

insurance

Banco Nacional de Panamá: overview of banking operations and summary of bancassurance strategy

Banco Nacional de Panamá: overview of accident and health insurance products offered

Banco Nacional de Panamá: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Pan: overview of banking operations and summary of bancassurance strategy

Banco Pan: overview of accident and health insurance products offered

Banco Pan: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Popular (Costa Rica): overview of banking operations and summary of bancassurance strategy

Banco Popular (Costa Rica): overview of accident and health insurance products offered

Banco Popular (Costa Rica): unweighted and weighted provider share of partnerships for accident and health insurance

Banco Popular (Dominican Republic): overview of banking operations and summary of bancassurance strategy

Banco Popular (Dominican Republic): overview of accident and health insurance products offered

Banco Popular (Dominican Republic): unweighted and weighted provider share of partnerships for accident and health

insurance

Banco Popular (Puerto Rico): overview of banking operations and summary of bancassurance strategy

Banco Popular (Puerto Rico): overview of accident and health insurance products offered

Banco Popular (Puerto Rico): unweighted and weighted provider share of partnerships for accident and health insurance

Banco Postal: overview of banking operations and summary of bancassurance strategy

Banco Postal: overview of accident and health insurance products offered

Banco Postal: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Provincia: overview of banking operations and summary of bancassurance strategy

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xvii

Banco Provincia: overview of accident and health insurance products offered

Banco Provincia: unweighted and weighted provider share of partnerships for accident and health insurance

Banco República: overview of banking operations and summary of bancassurance strategy

Banco República: overview of accident and health insurance products offered

Banco República: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Ripley: overview of banking operations and summary of bancassurance strategy

Banco Ripley: overview of accident and health insurance products offered

Banco Ripley: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Sabadell: overview of banking operations and summary of bancassurance strategy

Banco Sabadell: overview of accident and health insurance products offered

Banco Sabadell: unweighted and weighted provider share of partnerships for accident and health insurance

Banco Sol: overview of banking operations and summary of bancassurance strategy

Banco Sol: overview of accident and health insurance products offered

Banco Sol: unweighted and weighted provider share of partnerships for accident and health insurance

BancoEstado: overview of banking operations and summary of bancassurance strategy

BancoEstado: overview of accident and health insurance products offered

BancoEstado: unweighted and weighted provider share of partnerships for accident and health insurance

Banesco: overview of banking operations and summary of bancassurance strategy

Banesco: overview of accident and health insurance products offered

Banesco: unweighted and weighted provider share of partnerships for accident and health insurance

Bangkok Bank: overview of banking operations and summary of bancassurance strategy

Bangkok Bank: overview of accident and health insurance products offered

Bangkok Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Bank Albilad: overview of banking operations and summary of bancassurance strategy

Bank Albilad: overview of accident and health insurance products offered

Bank Albilad: unweighted and weighted provider share of partnerships for accident and health insurance

Bank AlJazira: overview of banking operations and summary of bancassurance strategy

Bank AlJazira: overview of accident and health insurance products offered

Bank AlJazira: unweighted and weighted provider share of partnerships for accident and health insurance

Bank Asya: overview of banking operations and summary of bancassurance strategy

Bank Asya: overview of accident and health insurance products offered

Bank Asya: unweighted and weighted provider share of partnerships for accident and health insurance

Bank Audi: overview of banking operations and summary of bancassurance strategy

Bank Audi: overview of accident and health insurance products offered

Bank Audi: unweighted and weighted provider share of partnerships for accident and health insurance

Bank Central Asia: overview of banking operations and summary of bancassurance strategy

Bank Central Asia: overview of accident and health insurance products offered

Bank Central Asia: unweighted and weighted provider share of partnerships for accident and health insurance

Bank Danamon: overview of banking operations and summary of bancassurance strategy

Bank Danamon: overview of accident and health insurance products offered

Bank Danamon: unweighted and weighted provider share of partnerships for accident and health insurance

Bank Hapoalim: overview of banking operations and summary of bancassurance strategy

Bank Hapoalim: overview of accident and health insurance products offered

Bank Hapoalim: unweighted and weighted provider share of partnerships for accident and health insurance

Bank Leumi: overview of banking operations and summary of bancassurance strategy

Bank Leumi: overview of accident and health insurance products offered

Bank Leumi: unweighted and weighted provider share of partnerships for accident and health insurance

Bank Mandiri: overview of banking operations and summary of bancassurance strategy

Bank Mandiri: overview of accident and health insurance products offered

Bank Mandiri: unweighted and weighted provider share of partnerships for accident and health insurance

Bank Muscat Group: overview of banking operations and summary of bancassurance strategy

Bank Muscat Group: overview of accident and health insurance products offered

Bank Muscat Group: unweighted and weighted provider share of partnerships for accident and health insurance

Bank Negara Indonesia: overview of banking operations and summary of bancassurance strategy

Bank Negara Indonesia: overview of accident and health insurance products offered

Bank Negara Indonesia: unweighted and weighted provider share of partnerships for accident and health insurance

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xviii

Bank of America: overview of banking operations and summary of bancassurance strategy

Bank of America: overview of accident and health insurance products offered

Bank of America: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of Baroda: overview of banking operations and summary of bancassurance strategy

Bank of Baroda: overview of accident and health insurance products offered

Bank of Baroda: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of Beijing: overview of banking operations and summary of bancassurance strategy

Bank of Beijing: overview of accident and health insurance products offered

Bank of Beijing: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of Beirut: overview of banking operations and summary of bancassurance strategy

Bank of Beirut: overview of accident and health insurance products offered

Bank of Beirut: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of Ceylon: overview of banking operations and summary of bancassurance strategy

Bank of Ceylon: overview of accident and health insurance products offered

Bank of Ceylon: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of China: overview of banking operations and summary of bancassurance strategy

Bank of China: overview of accident and health insurance products offered

Bank of China: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of Commerce: overview of banking operations and summary of bancassurance strategy

Bank of Commerce: overview of accident and health insurance products offered

Bank of Commerce: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of Communications: overview of banking operations and summary of bancassurance strategy

Bank of Communications: overview of accident and health insurance products offered

Bank of Communications: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of India: overview of banking operations and summary of bancassurance strategy

Bank of India: overview of accident and health insurance products offered

Bank of India: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of Ireland: overview of banking operations and summary of bancassurance strategy

Bank of Ireland: overview of accident and health insurance products offered

Bank of Ireland: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of Jiangsu: overview of banking operations and summary of bancassurance strategy

Bank of Jiangsu: overview of accident and health insurance products offered

Bank of Jiangsu: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of Ningbo: overview of banking operations and summary of bancassurance strategy

Bank of Ningbo: overview of accident and health insurance products offered

Bank of Ningbo: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of Queensland: overview of banking operations and summary of bancassurance strategy

Bank of Queensland: overview of accident and health insurance products offered

Bank of Queensland: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of Shanghai: overview of banking operations and summary of bancassurance strategy

Bank of Shanghai: overview of accident and health insurance products offered

Bank of Shanghai: unweighted and weighted provider share of partnerships for accident and health insurance

Bank of the Philippine Islands: overview of banking operations and summary of bancassurance strategy

Bank of the Philippine Islands: overview of accident and health insurance products offered

Bank of the Philippine Islands: unweighted and weighted provider share of partnerships for accident and health

insurance

Bank of Yokohama: overview of banking operations and summary of bancassurance strategy

Bank of Yokohama: overview of accident and health insurance products offered

Bank of Yokohama: unweighted and weighted provider share of partnerships for accident and health insurance

Bank Rakyat Indonesia: overview of banking operations and summary of bancassurance strategy

Bank Rakyat Indonesia: overview of accident and health insurance products offered

Bank Rakyat Indonesia: unweighted and weighted provider share of partnerships for accident and health insurance

Banka Citadele: overview of banking operations and summary of bancassurance strategy

Banka Citadele: overview of accident and health insurance products offered

Banka Citadele: unweighted and weighted provider share of partnerships for accident and health insurance

Bankia: overview of banking operations and summary of bancassurance strategy

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xix

Bankia: overview of accident and health insurance products offered

Bankia: unweighted and weighted provider share of partnerships for accident and health insurance

BankMed: overview of banking operations and summary of bancassurance strategy

BankMed: overview of accident and health insurance products offered

BankMed: unweighted and weighted provider share of partnerships for accident and health insurance

Banorte: overview of banking operations and summary of bancassurance strategy

Banorte: overview of accident and health insurance products offered

Banorte: unweighted and weighted provider share of partnerships for accident and health insurance

BanPará: overview of banking operations and summary of bancassurance strategy

BanPará: overview of accident and health insurance products offered

BanPará: unweighted and weighted provider share of partnerships for accident and health insurance

Banque de l'Agriculture et du Développement Rural: overview of banking operations and summary of bancassurance

strategy

Banque de l'Agriculture et du Développement Rural: overview of accident and health insurance products offered

Banque de l'Agriculture et du Développement Rural: unweighted and weighted provider share of partnerships for

accident and health insurance

Banque de Tunisie: overview of banking operations and summary of bancassurance strategy

Banque de Tunisie: overview of accident and health insurance products offered

Banque de Tunisie: unweighted and weighted provider share of partnerships for accident and health insurance

Banque du Caire: overview of banking operations and summary of bancassurance strategy

Banque du Caire: overview of accident and health insurance products offered

Banque du Caire: unweighted and weighted provider share of partnerships for accident and health insurance

Banque et Caisse d'Épargne de l'État: overview of banking operations and summary of bancassurance strategy

Banque et Caisse d'Épargne de l'État: overview of accident and health insurance products offered

Banque et Caisse d'Épargne de l'État: unweighted and weighted provider share of partnerships for accident and health

insurance

Banque Extèrieure d'Algérie: overview of banking operations and summary of bancassurance strategy

Banque Extèrieure d'Algérie: overview of accident and health insurance products offered

Banque Extèrieure d'Algérie: unweighted and weighted provider share of partnerships for accident and health insurance

Banque Française Mutualiste: overview of banking operations and summary of bancassurance strategy

Banque Française Mutualiste: overview of accident and health insurance products offered

Banque Française Mutualiste: unweighted and weighted provider share of partnerships for accident and health

insurance

Banque Misr: overview of banking operations and summary of bancassurance strategy

Banque Misr: overview of accident and health insurance products offered

Banque Misr: unweighted and weighted provider share of partnerships for accident and health insurance

BanReservas: overview of banking operations and summary of bancassurance strategy

BanReservas: overview of accident and health insurance products offered

BanReservas: unweighted and weighted provider share of partnerships for accident and health insurance

Banrisul: overview of banking operations and summary of bancassurance strategy

Banrisul: overview of accident and health insurance products offered

Banrisul: unweighted and weighted provider share of partnerships for accident and health insurance

Barclays: overview of banking operations and summary of bancassurance strategy

Barclays: overview of accident and health insurance products offered

Barclays: unweighted and weighted provider share of partnerships for accident and health insurance

Basler Kantonalbank: overview of banking operations and summary of bancassurance strategy

Basler Kantonalbank: overview of accident and health insurance products offered

Basler Kantonalbank: unweighted and weighted provider share of partnerships for accident and health insurance

BAWAG PSK: overview of banking operations and summary of bancassurance strategy

BAWAG PSK: overview of accident and health insurance products offered

BAWAG PSK: unweighted and weighted provider share of partnerships for accident and health insurance

BayernLB: overview of banking operations and summary of bancassurance strategy

BayernLB: overview of accident and health insurance products offered

BayernLB: unweighted and weighted provider share of partnerships for accident and health insurance

BB&T: overview of banking operations and summary of bancassurance strategy

BB&T: overview of accident and health insurance products offered

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xx

BB&T: unweighted and weighted provider share of partnerships for accident and health insurance

BBK: overview of banking operations and summary of bancassurance strategy

BBK: overview of accident and health insurance products offered

BBK: unweighted and weighted provider share of partnerships for accident and health insurance

BBVA: overview of banking operations and summary of bancassurance strategy

BBVA: overview of accident and health insurance products offered

BBVA: unweighted and weighted provider share of partnerships for accident and health insurance

Bci: overview of banking operations and summary of bancassurance strategy

Bci: overview of accident and health insurance products offered

Bci: unweighted and weighted provider share of partnerships for accident and health insurance

BDO Unibank: overview of banking operations and summary of bancassurance strategy

BDO Unibank: overview of accident and health insurance products offered

BDO Unibank: unweighted and weighted provider share of partnerships for accident and health insurance

BEA Group: overview of banking operations and summary of bancassurance strategy

BEA Group: overview of accident and health insurance products offered

BEA Group: unweighted and weighted provider share of partnerships for accident and health insurance

Beijing Rural Commercial Bank: overview of banking operations and summary of bancassurance strategy

Beijing Rural Commercial Bank: overview of accident and health insurance products offered

Beijing Rural Commercial Bank: unweighted and weighted provider share of partnerships for accident and health

insurance

Belfius: overview of banking operations and summary of bancassurance strategy

Belfius: overview of accident and health insurance products offered

Belfius: unweighted and weighted provider share of partnerships for accident and health insurance

Bendigo and Adelaide Bank: overview of banking operations and summary of bancassurance strategy

Bendigo and Adelaide Bank: overview of accident and health insurance products offered

Bendigo and Adelaide Bank: unweighted and weighted provider share of partnerships for accident and health insurance

BGFIBank Group: overview of banking operations and summary of bancassurance strategy

BGFIBank Group: overview of accident and health insurance products offered

BGFIBank Group: unweighted and weighted provider share of partnerships for accident and health insurance

BIAT: overview of banking operations and summary of bancassurance strategy

BIAT: overview of accident and health insurance products offered

BIAT: unweighted and weighted provider share of partnerships for accident and health insurance

BIDV: overview of banking operations and summary of bancassurance strategy

BIDV: overview of accident and health insurance products offered

BIDV: unweighted and weighted provider share of partnerships for accident and health insurance

BLOM Bank: overview of banking operations and summary of bancassurance strategy

BLOM Bank: overview of accident and health insurance products offered

BLOM Bank: unweighted and weighted provider share of partnerships for accident and health insurance

BMCE Bank: overview of banking operations and summary of bancassurance strategy

BMCE Bank: overview of accident and health insurance products offered

BMCE Bank: unweighted and weighted provider share of partnerships for accident and health insurance

BMN: overview of banking operations and summary of bancassurance strategy

BMN: overview of accident and health insurance products offered

BMN: unweighted and weighted provider share of partnerships for accident and health insurance

BMO Financial Group: overview of banking operations and summary of bancassurance strategy

BMO Financial Group: overview of accident and health insurance products offered

BMO Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

BNA (Banque Nationale d’Algérie): overview of banking operations and summary of bancassurance strategy

BNA (Banque Nationale d’Algérie): overview of accident and health insurance products offered

BNA (Banque Nationale d’Algérie): unweighted and weighted provider share of partnerships for accident and health

insurance

BNK Financial Group: overview of banking operations and summary of bancassurance strategy

BNK Financial Group: overview of accident and health insurance products offered

BNK Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

BNP Paribas: overview of banking operations and summary of bancassurance strategy

BNP Paribas: overview of accident and health insurance products offered

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxi

BNP Paribas: unweighted and weighted provider share of partnerships for accident and health insurance

BPC: overview of banking operations and summary of bancassurance strategy

BPC: overview of accident and health insurance products offered

BPC: unweighted and weighted provider share of partnerships for accident and health insurance

BPI: overview of banking operations and summary of bancassurance strategy

BPI: overview of accident and health insurance products offered

BPI: unweighted and weighted provider share of partnerships for accident and health insurance

Bradesco: overview of banking operations and summary of bancassurance strategy

Bradesco: overview of accident and health insurance products offered

Bradesco: unweighted and weighted provider share of partnerships for accident and health insurance

BSN: overview of banking operations and summary of bancassurance strategy

BSN: overview of accident and health insurance products offered

BSN: unweighted and weighted provider share of partnerships for accident and health insurance

Burgan Bank: overview of banking operations and summary of bancassurance strategy

Burgan Bank: overview of accident and health insurance products offered

Burgan Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Byblos Bank Group: overview of banking operations and summary of bancassurance strategy

Byblos Bank Group: overview of accident and health insurance products offered

Byblos Bank Group: unweighted and weighted provider share of partnerships for accident and health insurance

Caixa Econômica Federal: overview of banking operations and summary of bancassurance strategy

Caixa Econômica Federal: overview of accident and health insurance products offered

Caixa Econômica Federal: unweighted and weighted provider share of partnerships for accident and health insurance

Caja de Ahorros (Panama): overview of banking operations and summary of bancassurance strategy

Caja de Ahorros (Panama): overview of accident and health insurance products offered

Caja de Ahorros (Panama): unweighted and weighted provider share of partnerships for accident and health insurance

Caja Los Andes: overview of banking operations and summary of bancassurance strategy

Caja Los Andes: overview of accident and health insurance products offered

Caja Los Andes: unweighted and weighted provider share of partnerships for accident and health insurance

Caja Popular Mexicana: overview of banking operations and summary of bancassurance strategy

Caja Popular Mexicana: overview of accident and health insurance products offered

Caja Popular Mexicana: unweighted and weighted provider share of partnerships for accident and health insurance

Cambodia Post Bank: overview of banking operations and summary of bancassurance strategy

Cambodia Post Bank: overview of accident and health insurance products offered

Cambodia Post Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Canadia Bank: overview of banking operations and summary of bancassurance strategy

Canadia Bank: overview of accident and health insurance products offered

Canadia Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Canara Bank: overview of banking operations and summary of bancassurance strategy

Canara Bank: overview of accident and health insurance products offered

Canara Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Capital One: overview of banking operations and summary of bancassurance strategy

Capital One: overview of accident and health insurance products offered

Capital One: unweighted and weighted provider share of partnerships for accident and health insurance

CB Bank: overview of banking operations and summary of bancassurance strategy

CB Bank: overview of accident and health insurance products offered

CB Bank: unweighted and weighted provider share of partnerships for accident and health insurance

CBA Group: overview of banking operations and summary of bancassurance strategy

CBA Group: overview of accident and health insurance products offered

CBA Group: unweighted and weighted provider share of partnerships for accident and health insurance

CEC Bank: overview of banking operations and summary of bancassurance strategy

CEC Bank: overview of accident and health insurance products offered

CEC Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Centenary Bank: overview of banking operations and summary of bancassurance strategy

Centenary Bank: overview of accident and health insurance products offered

Centenary Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Chase Bank: overview of banking operations and summary of bancassurance strategy

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxii

Chase Bank: overview of accident and health insurance products offered

Chase Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Chiba Bank: overview of banking operations and summary of bancassurance strategy

Chiba Bank: overview of accident and health insurance products offered

Chiba Bank: unweighted and weighted provider share of partnerships for accident and health insurance

China CITIC Bank: overview of banking operations and summary of bancassurance strategy

China CITIC Bank: overview of accident and health insurance products offered

China CITIC Bank: unweighted and weighted provider share of partnerships for accident and health insurance

China Construction Bank: overview of banking operations and summary of bancassurance strategy

China Construction Bank: overview of accident and health insurance products offered

China Construction Bank: unweighted and weighted provider share of partnerships for accident and health insurance

China Everbright Bank: overview of banking operations and summary of bancassurance strategy

China Everbright Bank: overview of accident and health insurance products offered

China Everbright Bank: unweighted and weighted provider share of partnerships for accident and health insurance

China Guangfa Bank: overview of banking operations and summary of bancassurance strategy

China Guangfa Bank: overview of accident and health insurance products offered

China Guangfa Bank: unweighted and weighted provider share of partnerships for accident and health insurance

China Merchants Bank: overview of banking operations and summary of bancassurance strategy

China Merchants Bank: overview of accident and health insurance products offered

China Merchants Bank: unweighted and weighted provider share of partnerships for accident and health insurance

China Minsheng Bank: overview of banking operations and summary of bancassurance strategy

China Minsheng Bank: overview of accident and health insurance products offered

China Minsheng Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Chongqing Rural Commercial Bank: overview of banking operations and summary of bancassurance strategy

Chongqing Rural Commercial Bank: overview of accident and health insurance products offered

Chongqing Rural Commercial Bank: unweighted and weighted provider share of partnerships for accident and health

insurance

CIB: overview of banking operations and summary of bancassurance strategy

CIB: overview of accident and health insurance products offered

CIB: unweighted and weighted provider share of partnerships for accident and health insurance

CIBC: overview of banking operations and summary of bancassurance strategy

CIBC: overview of accident and health insurance products offered

CIBC: unweighted and weighted provider share of partnerships for accident and health insurance

CIH Bank: overview of banking operations and summary of bancassurance strategy

CIH Bank: overview of accident and health insurance products offered

CIH Bank: unweighted and weighted provider share of partnerships for accident and health insurance

CIMB Group: overview of banking operations and summary of bancassurance strategy

CIMB Group: overview of accident and health insurance products offered

CIMB Group: unweighted and weighted provider share of partnerships for accident and health insurance

Citigroup: overview of banking operations and summary of bancassurance strategy

Citigroup: overview of accident and health insurance products offered

Citigroup: unweighted and weighted provider share of partnerships for accident and health insurance

Citizens Financial Group: overview of banking operations and summary of bancassurance strategy

Citizens Financial Group: overview of accident and health insurance products offered

Citizens Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

Clientis: overview of banking operations and summary of bancassurance strategy

Clientis: overview of accident and health insurance products offered

Clientis: unweighted and weighted provider share of partnerships for accident and health insurance

CNEP Banque: overview of banking operations and summary of bancassurance strategy

CNEP Banque: overview of accident and health insurance products offered

CNEP Banque: unweighted and weighted provider share of partnerships for accident and health insurance

Coast Capital Savings: overview of banking operations and summary of bancassurance strategy

Coast Capital Savings: overview of accident and health insurance products offered

Coast Capital Savings: unweighted and weighted provider share of partnerships for accident and health insurance

Comerica: overview of banking operations and summary of bancassurance strategy

Comerica: overview of accident and health insurance products offered

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxiii

Comerica: unweighted and weighted provider share of partnerships for accident and health insurance

Commercial Bank of Ceylon: overview of banking operations and summary of bancassurance strategy

Commercial Bank of Ceylon: overview of accident and health insurance products offered

Commercial Bank of Ceylon: unweighted and weighted provider share of partnerships for accident and health insurance

Commercial Bank of Dubai: overview of banking operations and summary of bancassurance strategy

Commercial Bank of Dubai: overview of accident and health insurance products offered

Commercial Bank of Dubai: unweighted and weighted provider share of partnerships for accident and health insurance

Commercial Bank of Ethiopia: overview of banking operations and summary of bancassurance strategy

Commercial Bank of Ethiopia: overview of accident and health insurance products offered

Commercial Bank of Ethiopia: unweighted and weighted provider share of partnerships for accident and health insurance

Commercial Bank of Qatar: overview of banking operations and summary of bancassurance strategy

Commercial Bank of Qatar: overview of accident and health insurance products offered

Commercial Bank of Qatar: unweighted and weighted provider share of partnerships for accident and health insurance

Commerzbank: overview of banking operations and summary of bancassurance strategy

Commerzbank: overview of accident and health insurance products offered

Commerzbank: unweighted and weighted provider share of partnerships for accident and health insurance

Commonwealth Bank Group: overview of banking operations and summary of bancassurance strategy

Commonwealth Bank Group: overview of accident and health insurance products offered

Commonwealth Bank Group: unweighted and weighted provider share of partnerships for accident and health insurance

Co-operative Bank of Kenya: overview of banking operations and summary of bancassurance strategy

Co-operative Bank of Kenya: overview of accident and health insurance products offered

Co-operative Bank of Kenya: unweighted and weighted provider share of partnerships for accident and health insurance

Cornèr Banca: overview of banking operations and summary of bancassurance strategy

Cornèr Banca: overview of accident and health insurance products offered

Cornèr Banca: unweighted and weighted provider share of partnerships for accident and health insurance

Corporation Bank: overview of banking operations and summary of bancassurance strategy

Corporation Bank: overview of accident and health insurance products offered

Corporation Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Coventry Building Society: overview of banking operations and summary of bancassurance strategy

Coventry Building Society: overview of accident and health insurance products offered

Coventry Building Society: unweighted and weighted provider share of partnerships for accident and health insurance

CPA Bank: overview of banking operations and summary of bancassurance strategy

CPA Bank: overview of accident and health insurance products offered

CPA Bank: unweighted and weighted provider share of partnerships for accident and health insurance

CRDB Bank: overview of banking operations and summary of bancassurance strategy

CRDB Bank: overview of accident and health insurance products offered

CRDB Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Credicorp: overview of banking operations and summary of bancassurance strategy

Credicorp: overview of accident and health insurance products offered

Credicorp: unweighted and weighted provider share of partnerships for accident and health insurance

Crédit Agricole: overview of banking operations and summary of bancassurance strategy

Crédit Agricole: overview of accident and health insurance products offered

Crédit Agricole: unweighted and weighted provider share of partnerships for accident and health insurance

Crédit Mutuel: overview of banking operations and summary of bancassurance strategy

Crédit Mutuel: overview of accident and health insurance products offered

Crédit Mutuel: unweighted and weighted provider share of partnerships for accident and health insurance

Credit Saison: overview of banking operations and summary of bancassurance strategy

Credit Saison: overview of accident and health insurance products offered

Credit Saison: unweighted and weighted provider share of partnerships for accident and health insurance

Credit Suisse Group: overview of banking operations and summary of bancassurance strategy

Credit Suisse Group: overview of accident and health insurance products offered

Credit Suisse Group: unweighted and weighted provider share of partnerships for accident and health insurance

CTBC Financial Holding: overview of banking operations and summary of bancassurance strategy

CTBC Financial Holding: overview of accident and health insurance products offered

CTBC Financial Holding: unweighted and weighted provider share of partnerships for accident and health insurance

CYBG: overview of banking operations and summary of bancassurance strategy

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxiv

CYBG: overview of accident and health insurance products offered

CYBG: unweighted and weighted provider share of partnerships for accident and health insurance

Danske Bank: overview of banking operations and summary of bancassurance strategy

Danske Bank: overview of accident and health insurance products offered

Danske Bank: unweighted and weighted provider share of partnerships for accident and health insurance

DBS: overview of banking operations and summary of bancassurance strategy

DBS: overview of accident and health insurance products offered

DBS: unweighted and weighted provider share of partnerships for accident and health insurance

De Volksbank: overview of banking operations and summary of bancassurance strategy

De Volksbank: overview of accident and health insurance products offered

De Volksbank: unweighted and weighted provider share of partnerships for accident and health insurance

Desjardins Group: overview of banking operations and summary of bancassurance strategy

Desjardins Group: overview of accident and health insurance products offered

Desjardins Group: unweighted and weighted provider share of partnerships for accident and health insurance

Deutsche Bank: overview of banking operations and summary of bancassurance strategy

Deutsche Bank: overview of accident and health insurance products offered

Deutsche Bank: unweighted and weighted provider share of partnerships for accident and health insurance

DFCU Bank: overview of banking operations and summary of bancassurance strategy

DFCU Bank: overview of accident and health insurance products offered

DFCU Bank: unweighted and weighted provider share of partnerships for accident and health insurance

DGB Financial Group: overview of banking operations and summary of bancassurance strategy

DGB Financial Group: overview of accident and health insurance products offered

DGB Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

Diamond Bank: overview of banking operations and summary of bancassurance strategy

Diamond Bank: overview of accident and health insurance products offered

Diamond Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Discount Bank: overview of banking operations and summary of bancassurance strategy

Discount Bank: overview of accident and health insurance products offered

Discount Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Discover Financial Services: overview of banking operations and summary of bancassurance strategy

Discover Financial Services: overview of accident and health insurance products offered

Discover Financial Services: unweighted and weighted provider share of partnerships for accident and health insurance

DNB: overview of banking operations and summary of bancassurance strategy

DNB: overview of accident and health insurance products offered

DNB: unweighted and weighted provider share of partnerships for accident and health insurance

Doha Bank: overview of banking operations and summary of bancassurance strategy

Doha Bank: overview of accident and health insurance products offered

Doha Bank: unweighted and weighted provider share of partnerships for accident and health insurance

DongA Bank: overview of banking operations and summary of bancassurance strategy

DongA Bank: overview of accident and health insurance products offered

DongA Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Drei Banken Gruppe: overview of banking operations and summary of bancassurance strategy

Drei Banken Gruppe: overview of accident and health insurance products offered

Drei Banken Gruppe: unweighted and weighted provider share of partnerships for accident and health insurance

DTB Group: overview of banking operations and summary of bancassurance strategy

DTB Group: overview of accident and health insurance products offered

DTB Group: unweighted and weighted provider share of partnerships for accident and health insurance

Dubai Islamic Bank: overview of banking operations and summary of bancassurance strategy

Dubai Islamic Bank: overview of accident and health insurance products offered

Dubai Islamic Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Ecobank: overview of banking operations and summary of bancassurance strategy

Ecobank: overview of accident and health insurance products offered

Ecobank: unweighted and weighted provider share of partnerships for accident and health insurance

Eika Gruppen: overview of banking operations and summary of bancassurance strategy

Eika Gruppen: overview of accident and health insurance products offered

Eika Gruppen: unweighted and weighted provider share of partnerships for accident and health insurance

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxv

Emirates NBD: overview of banking operations and summary of bancassurance strategy

Emirates NBD: overview of accident and health insurance products offered

Emirates NBD: unweighted and weighted provider share of partnerships for accident and health insurance

Equity Group Holdings: overview of banking operations and summary of bancassurance strategy

Equity Group Holdings: overview of accident and health insurance products offered

Equity Group Holdings: unweighted and weighted provider share of partnerships for accident and health insurance

Erste Group: overview of banking operations and summary of bancassurance strategy

Erste Group: overview of accident and health insurance products offered

Erste Group: unweighted and weighted provider share of partnerships for accident and health insurance

Eurobank Ergasias: overview of banking operations and summary of bancassurance strategy

Eurobank Ergasias: overview of accident and health insurance products offered

Eurobank Ergasias: unweighted and weighted provider share of partnerships for accident and health insurance

Evergrowing Bank: overview of banking operations and summary of bancassurance strategy

Evergrowing Bank: overview of accident and health insurance products offered

Evergrowing Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Exim Bank Group: overview of banking operations and summary of bancassurance strategy

Exim Bank Group: overview of accident and health insurance products offered

Exim Bank Group: unweighted and weighted provider share of partnerships for accident and health insurance

FBN Holdings: overview of banking operations and summary of bancassurance strategy

FBN Holdings: overview of accident and health insurance products offered

FBN Holdings: unweighted and weighted provider share of partnerships for accident and health insurance

FCMB: overview of banking operations and summary of bancassurance strategy

FCMB: overview of accident and health insurance products offered

FCMB: unweighted and weighted provider share of partnerships for accident and health insurance

FGB: overview of banking operations and summary of bancassurance strategy

FGB: overview of accident and health insurance products offered

FGB: unweighted and weighted provider share of partnerships for accident and health insurance

FiBA Group: overview of banking operations and summary of bancassurance strategy

FiBA Group: overview of accident and health insurance products offered

FiBA Group: unweighted and weighted provider share of partnerships for accident and health insurance

Fibank: overview of banking operations and summary of bancassurance strategy

Fibank: overview of accident and health insurance products offered

Fibank: unweighted and weighted provider share of partnerships for accident and health insurance

Fidelity Bank: overview of banking operations and summary of bancassurance strategy

Fidelity Bank: overview of accident and health insurance products offered

Fidelity Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Fifth Third Bancorp: overview of banking operations and summary of bancassurance strategy

Fifth Third Bancorp: overview of accident and health insurance products offered

Fifth Third Bancorp: unweighted and weighted provider share of partnerships for accident and health insurance

Financiera Independencia: overview of banking operations and summary of bancassurance strategy

Financiera Independencia: overview of accident and health insurance products offered

Financiera Independencia: unweighted and weighted provider share of partnerships for accident and health insurance

First Ukrainian International Bank: overview of banking operations and summary of bancassurance strategy

First Ukrainian International Bank: overview of accident and health insurance products offered

First Ukrainian International Bank: unweighted and weighted provider share of partnerships for accident and health

insurance

FirstRand Group: overview of banking operations and summary of bancassurance strategy

FirstRand Group: overview of accident and health insurance products offered

FirstRand Group: unweighted and weighted provider share of partnerships for accident and health insurance

Fukuoka Financial Group: overview of banking operations and summary of bancassurance strategy

Fukuoka Financial Group: overview of accident and health insurance products offered

Fukuoka Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

GarantiBank: overview of banking operations and summary of bancassurance strategy

GarantiBank: overview of accident and health insurance products offered

GarantiBank: unweighted and weighted provider share of partnerships for accident and health insurance

Gazprombank: overview of banking operations and summary of bancassurance strategy

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxvi

Gazprombank: overview of accident and health insurance products offered

Gazprombank: unweighted and weighted provider share of partnerships for accident and health insurance

GCB: overview of banking operations and summary of bancassurance strategy

GCB: overview of accident and health insurance products offered

GCB: unweighted and weighted provider share of partnerships for accident and health insurance

Global Bank: overview of banking operations and summary of bancassurance strategy

Global Bank: overview of accident and health insurance products offered

Global Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Government Savings Bank (Thailand): overview of banking operations and summary of bancassurance strategy

Government Savings Bank (Thailand): overview of accident and health insurance products offered

Government Savings Bank (Thailand): unweighted and weighted provider share of partnerships for accident and health

insurance

Groupe Attijariwafa: overview of banking operations and summary of bancassurance strategy

Groupe Attijariwafa: overview of accident and health insurance products offered

Groupe Attijariwafa: unweighted and weighted provider share of partnerships for accident and health insurance

Groupe Banque Populaire: overview of banking operations and summary of bancassurance strategy

Groupe Banque Populaire: overview of accident and health insurance products offered

Groupe Banque Populaire: unweighted and weighted provider share of partnerships for accident and health insurance

Groupe BPCE: overview of banking operations and summary of bancassurance strategy

Groupe BPCE: overview of accident and health insurance products offered

Groupe BPCE: unweighted and weighted provider share of partnerships for accident and health insurance

Groupe NSIA: overview of banking operations and summary of bancassurance strategy

Groupe NSIA: overview of accident and health insurance products offered

Groupe NSIA: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Aval: overview of banking operations and summary of bancassurance strategy

Grupo Aval: overview of accident and health insurance products offered

Grupo Aval: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Bancolombia: overview of banking operations and summary of bancassurance strategy

Grupo Bancolombia: overview of accident and health insurance products offered

Grupo Bancolombia: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Caja Rural: overview of banking operations and summary of bancassurance strategy

Grupo Caja Rural: overview of accident and health insurance products offered

Grupo Caja Rural: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo CGD: overview of banking operations and summary of bancassurance strategy

Grupo CGD: overview of accident and health insurance products offered

Grupo CGD: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Coomeva: overview of banking operations and summary of bancassurance strategy

Grupo Coomeva: overview of accident and health insurance products offered

Grupo Coomeva: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Galicia: overview of banking operations and summary of bancassurance strategy

Grupo Galicia: overview of accident and health insurance products offered

Grupo Galicia: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Interbank: overview of banking operations and summary of bancassurance strategy

Grupo Interbank: overview of accident and health insurance products offered

Grupo Interbank: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Macro: overview of banking operations and summary of bancassurance strategy

Grupo Macro: overview of accident and health insurance products offered

Grupo Macro: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Pichincha: overview of banking operations and summary of bancassurance strategy

Grupo Pichincha: overview of accident and health insurance products offered

Grupo Pichincha: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Safra: overview of banking operations and summary of bancassurance strategy

Grupo Safra: overview of accident and health insurance products offered

Grupo Safra: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Salinas: overview of banking operations and summary of bancassurance strategy

Grupo Salinas: overview of accident and health insurance products offered

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxvii

Grupo Salinas: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Security: overview of banking operations and summary of bancassurance strategy

Grupo Security: overview of accident and health insurance products offered

Grupo Security: unweighted and weighted provider share of partnerships for accident and health insurance

Grupo Supervielle: overview of banking operations and summary of bancassurance strategy

Grupo Supervielle: overview of accident and health insurance products offered

Grupo Supervielle: unweighted and weighted provider share of partnerships for accident and health insurance

Gruppo Banca Carige: overview of banking operations and summary of bancassurance strategy

Gruppo Banca Carige: overview of accident and health insurance products offered

Gruppo Banca Carige: unweighted and weighted provider share of partnerships for accident and health insurance

Gruppo Banca Sella: overview of banking operations and summary of bancassurance strategy

Gruppo Banca Sella: overview of accident and health insurance products offered

Gruppo Banca Sella: unweighted and weighted provider share of partnerships for accident and health insurance

Gruppo BPER: overview of banking operations and summary of bancassurance strategy

Gruppo BPER: overview of accident and health insurance products offered

Gruppo BPER: unweighted and weighted provider share of partnerships for accident and health insurance

Gruppo BPM: overview of banking operations and summary of bancassurance strategy

Gruppo BPM: overview of accident and health insurance products offered

Gruppo BPM: unweighted and weighted provider share of partnerships for accident and health insurance

Gruppo Credem: overview of banking operations and summary of bancassurance strategy

Gruppo Credem: overview of accident and health insurance products offered

Gruppo Credem: unweighted and weighted provider share of partnerships for accident and health insurance

GTBank: overview of banking operations and summary of bancassurance strategy

GTBank: overview of accident and health insurance products offered

GTBank: unweighted and weighted provider share of partnerships for accident and health insurance

Guangzhou Rural Commercial Bank: overview of banking operations and summary of bancassurance strategy

Guangzhou Rural Commercial Bank: overview of accident and health insurance products offered

Guangzhou Rural Commercial Bank: unweighted and weighted provider share of partnerships for accident and health

insurance

Gulf Bank: overview of banking operations and summary of bancassurance strategy

Gulf Bank: overview of accident and health insurance products offered

Gulf Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Habib Bank: overview of banking operations and summary of bancassurance strategy

Habib Bank: overview of accident and health insurance products offered

Habib Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Halkbank: overview of banking operations and summary of bancassurance strategy

Halkbank: overview of accident and health insurance products offered

Halkbank: unweighted and weighted provider share of partnerships for accident and health insurance

Hamburger Sparkasse: overview of banking operations and summary of bancassurance strategy

Hamburger Sparkasse: overview of accident and health insurance products offered

Hamburger Sparkasse: unweighted and weighted provider share of partnerships for accident and health insurance

Hana Financial Group: overview of banking operations and summary of bancassurance strategy

Hana Financial Group: overview of accident and health insurance products offered

Hana Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

Handelsbanken: overview of banking operations and summary of bancassurance strategy

Handelsbanken: overview of accident and health insurance products offered

Handelsbanken: unweighted and weighted provider share of partnerships for accident and health insurance

Hatton National Bank: overview of banking operations and summary of bancassurance strategy

Hatton National Bank: overview of accident and health insurance products offered

Hatton National Bank: unweighted and weighted provider share of partnerships for accident and health insurance

HDFC Bank: overview of banking operations and summary of bancassurance strategy

HDFC Bank: overview of accident and health insurance products offered

HDFC Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Hokuhoku Financial Group: overview of banking operations and summary of bancassurance strategy

Hokuhoku Financial Group: overview of accident and health insurance products offered

Hokuhoku Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxviii

Hong Leong Financial Group: overview of banking operations and summary of bancassurance strategy

Hong Leong Financial Group: overview of accident and health insurance products offered

Hong Leong Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

Housing Bank for Trade and Finance: overview of banking operations and summary of bancassurance strategy

Housing Bank for Trade and Finance: overview of accident and health insurance products offered

Housing Bank for Trade and Finance: unweighted and weighted provider share of partnerships for accident and health

insurance

HSBC: overview of banking operations and summary of bancassurance strategy

HSBC: overview of accident and health insurance products offered

HSBC: unweighted and weighted provider share of partnerships for accident and health insurance

Hua Nan Financial: overview of banking operations and summary of bancassurance strategy

Hua Nan Financial: overview of accident and health insurance products offered

Hua Nan Financial: unweighted and weighted provider share of partnerships for accident and health insurance

Hua Xia Bank: overview of banking operations and summary of bancassurance strategy

Hua Xia Bank: overview of accident and health insurance products offered

Hua Xia Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Huishang Bank: overview of banking operations and summary of bancassurance strategy

Huishang Bank: overview of accident and health insurance products offered

Huishang Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Huntington Bancshares: overview of banking operations and summary of bancassurance strategy

Huntington Bancshares: overview of accident and health insurance products offered

Huntington Bancshares: unweighted and weighted provider share of partnerships for accident and health insurance

IberCaja Banco: overview of banking operations and summary of bancassurance strategy

IberCaja Banco: overview of accident and health insurance products offered

IberCaja Banco: unweighted and weighted provider share of partnerships for accident and health insurance

ICBC: overview of banking operations and summary of bancassurance strategy

ICBC: overview of accident and health insurance products offered

ICBC: unweighted and weighted provider share of partnerships for accident and health insurance

ICICI Bank: overview of banking operations and summary of bancassurance strategy

ICICI Bank: overview of accident and health insurance products offered

ICICI Bank: unweighted and weighted provider share of partnerships for accident and health insurance

IKANO Bank: overview of banking operations and summary of bancassurance strategy

IKANO Bank: overview of accident and health insurance products offered

IKANO Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Inbursa: overview of banking operations and summary of bancassurance strategy

Inbursa: overview of accident and health insurance products offered

Inbursa: unweighted and weighted provider share of partnerships for accident and health insurance

Indian Bank: overview of banking operations and summary of bancassurance strategy

Indian Bank: overview of accident and health insurance products offered

Indian Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Indian Overseas Bank: overview of banking operations and summary of bancassurance strategy

Indian Overseas Bank: overview of accident and health insurance products offered

Indian Overseas Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Industrial Bank: overview of banking operations and summary of bancassurance strategy

Industrial Bank: overview of accident and health insurance products offered

Industrial Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Industrial Bank of Korea: overview of banking operations and summary of bancassurance strategy

Industrial Bank of Korea: overview of accident and health insurance products offered

Industrial Bank of Korea: unweighted and weighted provider share of partnerships for accident and health insurance

ING Group: overview of banking operations and summary of bancassurance strategy

ING Group: overview of accident and health insurance products offered

ING Group: unweighted and weighted provider share of partnerships for accident and health insurance

International Personal Finance: overview of banking operations and summary of bancassurance strategy

International Personal Finance: overview of accident and health insurance products offered

International Personal Finance: unweighted and weighted provider share of partnerships for accident and health

insurance

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxix

Intesa Sanpaolo: overview of banking operations and summary of bancassurance strategy

Intesa Sanpaolo: overview of accident and health insurance products offered

Intesa Sanpaolo: unweighted and weighted provider share of partnerships for accident and health insurance

Investec: overview of banking operations and summary of bancassurance strategy

Investec: overview of accident and health insurance products offered

Investec: unweighted and weighted provider share of partnerships for accident and health insurance

İşbank: overview of banking operations and summary of bancassurance strategy

İşbank: overview of accident and health insurance products offered

İşbank: unweighted and weighted provider share of partnerships for accident and health insurance

Islami Bank Bangladesh: overview of banking operations and summary of bancassurance strategy

Islami Bank Bangladesh: overview of accident and health insurance products offered

Islami Bank Bangladesh: unweighted and weighted provider share of partnerships for accident and health insurance

Itaú Unibanco Holding: overview of banking operations and summary of bancassurance strategy

Itaú Unibanco Holding: overview of accident and health insurance products offered

Itaú Unibanco Holding: unweighted and weighted provider share of partnerships for accident and health insurance

Janata Bank: overview of banking operations and summary of bancassurance strategy

Janata Bank: overview of accident and health insurance products offered

Janata Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Japan Post Bank: overview of banking operations and summary of bancassurance strategy

Japan Post Bank: overview of accident and health insurance products offered

Japan Post Bank: unweighted and weighted provider share of partnerships for accident and health insurance

JB Financial Group: overview of banking operations and summary of bancassurance strategy

JB Financial Group: overview of accident and health insurance products offered

JB Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

JCB: overview of banking operations and summary of bancassurance strategy

JCB: overview of accident and health insurance products offered

JCB: unweighted and weighted provider share of partnerships for accident and health insurance

JP Morgan Chase: overview of banking operations and summary of bancassurance strategy

JP Morgan Chase: overview of accident and health insurance products offered

JP Morgan Chase: unweighted and weighted provider share of partnerships for accident and health insurance

Jyske Bank: overview of banking operations and summary of bancassurance strategy

Jyske Bank: overview of accident and health insurance products offered

Jyske Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Kasikorn Bank: overview of banking operations and summary of bancassurance strategy

Kasikorn Bank: overview of accident and health insurance products offered

Kasikorn Bank: unweighted and weighted provider share of partnerships for accident and health insurance

KB Financial Group: overview of banking operations and summary of bancassurance strategy

KB Financial Group: overview of accident and health insurance products offered

KB Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

KBC Group: overview of banking operations and summary of bancassurance strategy

KBC Group: overview of accident and health insurance products offered

KBC Group: unweighted and weighted provider share of partnerships for accident and health insurance

KBZ Bank: overview of banking operations and summary of bancassurance strategy

KBZ Bank: overview of accident and health insurance products offered

KBZ Bank: unweighted and weighted provider share of partnerships for accident and health insurance

KCB Group: overview of banking operations and summary of bancassurance strategy

KCB Group: overview of accident and health insurance products offered

KCB Group: unweighted and weighted provider share of partnerships for accident and health insurance

KeyCorp: overview of banking operations and summary of bancassurance strategy

KeyCorp: overview of accident and health insurance products offered

KeyCorp: unweighted and weighted provider share of partnerships for accident and health insurance

Keystone Bank Group: overview of banking operations and summary of bancassurance strategy

Keystone Bank Group: overview of accident and health insurance products offered

Keystone Bank Group: unweighted and weighted provider share of partnerships for accident and health insurance

Kiwibank: overview of banking operations and summary of bancassurance strategy

Kiwibank: overview of accident and health insurance products offered

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxx

Kiwibank: unweighted and weighted provider share of partnerships for accident and health insurance

Komercijalna Banka: overview of banking operations and summary of bancassurance strategy

Komercijalna Banka: overview of accident and health insurance products offered

Komercijalna Banka: unweighted and weighted provider share of partnerships for accident and health insurance

Korea Post Bank: overview of banking operations and summary of bancassurance strategy

Korea Post Bank: overview of accident and health insurance products offered

Korea Post Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Krungthai Bank: overview of banking operations and summary of bancassurance strategy

Krungthai Bank: overview of accident and health insurance products offered

Krungthai Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Kuwait Finance House: overview of banking operations and summary of bancassurance strategy

Kuwait Finance House: overview of accident and health insurance products offered

Kuwait Finance House: unweighted and weighted provider share of partnerships for accident and health insurance

La Araucana: overview of banking operations and summary of bancassurance strategy

La Araucana: overview of accident and health insurance products offered

La Araucana: unweighted and weighted provider share of partnerships for accident and health insurance

La Banque Postale: overview of banking operations and summary of bancassurance strategy

La Banque Postale: overview of accident and health insurance products offered

La Banque Postale: unweighted and weighted provider share of partnerships for accident and health insurance

La Caixa: overview of banking operations and summary of bancassurance strategy

La Caixa: overview of accident and health insurance products offered

La Caixa: unweighted and weighted provider share of partnerships for accident and health insurance

Laboral Kutxa: overview of banking operations and summary of bancassurance strategy

Laboral Kutxa: overview of accident and health insurance products offered

Laboral Kutxa: unweighted and weighted provider share of partnerships for accident and health insurance

Landesbank Baden-Württemberg: overview of banking operations and summary of bancassurance strategy

Landesbank Baden-Württemberg: overview of accident and health insurance products offered

Landesbank Baden-Württemberg: unweighted and weighted provider share of partnerships for accident and health

insurance

Landesbank Berlin: overview of banking operations and summary of bancassurance strategy

Landesbank Berlin: overview of accident and health insurance products offered

Landesbank Berlin: unweighted and weighted provider share of partnerships for accident and health insurance

Lao Development Bank: overview of banking operations and summary of bancassurance strategy

Lao Development Bank: overview of accident and health insurance products offered

Lao Development Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Leeds Building Society: overview of banking operations and summary of bancassurance strategy

Leeds Building Society: overview of accident and health insurance products offered

Leeds Building Society: unweighted and weighted provider share of partnerships for accident and health insurance

Liberbank: overview of banking operations and summary of bancassurance strategy

Liberbank: overview of accident and health insurance products offered

Liberbank: unweighted and weighted provider share of partnerships for accident and health insurance

Lloyds Banking Group: overview of banking operations and summary of bancassurance strategy

Lloyds Banking Group: overview of accident and health insurance products offered

Lloyds Banking Group: unweighted and weighted provider share of partnerships for accident and health insurance

Los Héroes: overview of banking operations and summary of bancassurance strategy

Los Héroes: overview of accident and health insurance products offered

Los Héroes: unweighted and weighted provider share of partnerships for accident and health insurance

M&T Bank: overview of banking operations and summary of bancassurance strategy

M&T Bank: overview of accident and health insurance products offered

M&T Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Macquarie Group: overview of banking operations and summary of bancassurance strategy

Macquarie Group: overview of accident and health insurance products offered

Macquarie Group: unweighted and weighted provider share of partnerships for accident and health insurance

Mashreq Bank: overview of banking operations and summary of bancassurance strategy

Mashreq Bank: overview of accident and health insurance products offered

Mashreq Bank: unweighted and weighted provider share of partnerships for accident and health insurance

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxxi

Maybank: overview of banking operations and summary of bancassurance strategy

Maybank: overview of accident and health insurance products offered

Maybank: unweighted and weighted provider share of partnerships for accident and health insurance

MCB (Mauritius Commercial Bank): overview of banking operations and summary of bancassurance strategy

MCB (Mauritius Commercial Bank): overview of accident and health insurance products offered

MCB (Mauritius Commercial Bank): unweighted and weighted provider share of partnerships for accident and health

insurance

MCB Bank: overview of banking operations and summary of bancassurance strategy

MCB Bank: overview of accident and health insurance products offered

MCB Bank: unweighted and weighted provider share of partnerships for accident and health insurance

MedMera Bank: overview of banking operations and summary of bancassurance strategy

MedMera Bank: overview of accident and health insurance products offered

MedMera Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Mega International Commercial Bank: overview of banking operations and summary of bancassurance strategy

Mega International Commercial Bank: overview of accident and health insurance products offered

Mega International Commercial Bank: unweighted and weighted provider share of partnerships for accident and health

insurance

Metrobank: overview of banking operations and summary of bancassurance strategy

Metrobank: overview of accident and health insurance products offered

Metrobank: unweighted and weighted provider share of partnerships for accident and health insurance

Midway Financeira: overview of banking operations and summary of bancassurance strategy

Midway Financeira: overview of accident and health insurance products offered

Midway Financeira: unweighted and weighted provider share of partnerships for accident and health insurance

Migrosbank: overview of banking operations and summary of bancassurance strategy

Migrosbank: overview of accident and health insurance products offered

Migrosbank: unweighted and weighted provider share of partnerships for accident and health insurance

Millennium BCP: overview of banking operations and summary of bancassurance strategy

Millennium BCP: overview of accident and health insurance products offered

Millennium BCP: unweighted and weighted provider share of partnerships for accident and health insurance

Mitsubishi UFJ Financial Group: overview of banking operations and summary of bancassurance strategy

Mitsubishi UFJ Financial Group: overview of accident and health insurance products offered

Mitsubishi UFJ Financial Group: unweighted and weighted provider share of partnerships for accident and health

insurance

Mizuho Financial Group: overview of banking operations and summary of bancassurance strategy

Mizuho Financial Group: overview of accident and health insurance products offered

Mizuho Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

Monte dei Paschi di Siena: overview of banking operations and summary of bancassurance strategy

Monte dei Paschi di Siena: overview of accident and health insurance products offered

Monte dei Paschi di Siena: unweighted and weighted provider share of partnerships for accident and health insurance

Montepio: overview of banking operations and summary of bancassurance strategy

Montepio: overview of accident and health insurance products offered

Montepio: unweighted and weighted provider share of partnerships for accident and health insurance

Multibank: overview of banking operations and summary of bancassurance strategy

Multibank: overview of accident and health insurance products offered

Multibank: unweighted and weighted provider share of partnerships for accident and health insurance

National Australia Bank Group: overview of banking operations and summary of bancassurance strategy

National Australia Bank Group: overview of accident and health insurance products offered

National Australia Bank Group: unweighted and weighted provider share of partnerships for accident and health

insurance

National Bank of Canada: overview of banking operations and summary of bancassurance strategy

National Bank of Canada: overview of accident and health insurance products offered

National Bank of Canada: unweighted and weighted provider share of partnerships for accident and health insurance

National Bank of Egypt: overview of banking operations and summary of bancassurance strategy

National Bank of Egypt: overview of accident and health insurance products offered

National Bank of Egypt: unweighted and weighted provider share of partnerships for accident and health insurance

National Bank of Greece: overview of banking operations and summary of bancassurance strategy

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxxii

National Bank of Greece: overview of accident and health insurance products offered

National Bank of Greece: unweighted and weighted provider share of partnerships for accident and health insurance

National Bank of Pakistan: overview of banking operations and summary of bancassurance strategy

National Bank of Pakistan: overview of accident and health insurance products offered

National Bank of Pakistan: unweighted and weighted provider share of partnerships for accident and health insurance

Nationwide Building Society: overview of banking operations and summary of bancassurance strategy

Nationwide Building Society: overview of accident and health insurance products offered

Nationwide Building Society: unweighted and weighted provider share of partnerships for accident and health insurance

Navy Federal Credit Union: overview of banking operations and summary of bancassurance strategy

Navy Federal Credit Union: overview of accident and health insurance products offered

Navy Federal Credit Union: unweighted and weighted provider share of partnerships for accident and health insurance

NBAD: overview of banking operations and summary of bancassurance strategy

NBAD: overview of accident and health insurance products offered

NBAD: unweighted and weighted provider share of partnerships for accident and health insurance

NBB: overview of banking operations and summary of bancassurance strategy

NBB: overview of accident and health insurance products offered

NBB: unweighted and weighted provider share of partnerships for accident and health insurance

NBK: overview of banking operations and summary of bancassurance strategy

NBK: overview of accident and health insurance products offered

NBK: unweighted and weighted provider share of partnerships for accident and health insurance

NBO: overview of banking operations and summary of bancassurance strategy

NBO: overview of accident and health insurance products offered

NBO: unweighted and weighted provider share of partnerships for accident and health insurance

NCB: overview of banking operations and summary of bancassurance strategy

NCB: overview of accident and health insurance products offered

NCB: unweighted and weighted provider share of partnerships for accident and health insurance

Nedbank Group: overview of banking operations and summary of bancassurance strategy

Nedbank Group: overview of accident and health insurance products offered

Nedbank Group: unweighted and weighted provider share of partnerships for accident and health insurance

NH Financial Group: overview of banking operations and summary of bancassurance strategy

NH Financial Group: overview of accident and health insurance products offered

NH Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

NIC Bank Group: overview of banking operations and summary of bancassurance strategy

NIC Bank Group: overview of accident and health insurance products offered

NIC Bank Group: unweighted and weighted provider share of partnerships for accident and health insurance

Nishi-Nippon City Bank: overview of banking operations and summary of bancassurance strategy

Nishi-Nippon City Bank: overview of accident and health insurance products offered

Nishi-Nippon City Bank: unweighted and weighted provider share of partnerships for accident and health insurance

NLB Group: overview of banking operations and summary of bancassurance strategy

NLB Group: overview of accident and health insurance products offered

NLB Group: unweighted and weighted provider share of partnerships for accident and health insurance

NMB (National Microfinance Bank): overview of banking operations and summary of bancassurance strategy

NMB (National Microfinance Bank): overview of accident and health insurance products offered

NMB (National Microfinance Bank): unweighted and weighted provider share of partnerships for accident and health

insurance

Noble Bank: overview of banking operations and summary of bancassurance strategy

Noble Bank: overview of accident and health insurance products offered

Noble Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Noor Bank: overview of banking operations and summary of bancassurance strategy

Noor Bank: overview of accident and health insurance products offered

Noor Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Nordea Group: overview of banking operations and summary of bancassurance strategy

Nordea Group: overview of accident and health insurance products offered

Nordea Group: unweighted and weighted provider share of partnerships for accident and health insurance

Nova KBM Group: overview of banking operations and summary of bancassurance strategy

Nova KBM Group: overview of accident and health insurance products offered

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxxiii

Nova KBM Group: unweighted and weighted provider share of partnerships for accident and health insurance

NOVO BANCO: overview of banking operations and summary of bancassurance strategy

NOVO BANCO: overview of accident and health insurance products offered

NOVO BANCO: unweighted and weighted provider share of partnerships for accident and health insurance

Nuevo Banco de Santa Fe: overview of banking operations and summary of bancassurance strategy

Nuevo Banco de Santa Fe: overview of accident and health insurance products offered

Nuevo Banco de Santa Fe: unweighted and weighted provider share of partnerships for accident and health insurance

Nykredit: overview of banking operations and summary of bancassurance strategy

Nykredit: overview of accident and health insurance products offered

Nykredit: unweighted and weighted provider share of partnerships for accident and health insurance

OCBC: overview of banking operations and summary of bancassurance strategy

OCBC: overview of accident and health insurance products offered

OCBC: unweighted and weighted provider share of partnerships for accident and health insurance

Oney Banque Accord: overview of banking operations and summary of bancassurance strategy

Oney Banque Accord: overview of accident and health insurance products offered

Oney Banque Accord: unweighted and weighted provider share of partnerships for accident and health insurance

OP Financial Group: overview of banking operations and summary of bancassurance strategy

OP Financial Group: overview of accident and health insurance products offered

OP Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

Orient Corporation: overview of banking operations and summary of bancassurance strategy

Orient Corporation: overview of accident and health insurance products offered

Orient Corporation: unweighted and weighted provider share of partnerships for accident and health insurance

Oriental Bank of Commerce: overview of banking operations and summary of bancassurance strategy

Oriental Bank of Commerce: overview of accident and health insurance products offered

Oriental Bank of Commerce: unweighted and weighted provider share of partnerships for accident and health insurance

Oschadbank: overview of banking operations and summary of bancassurance strategy

Oschadbank: overview of accident and health insurance products offered

Oschadbank: unweighted and weighted provider share of partnerships for accident and health insurance

Otkritie Holding: overview of banking operations and summary of bancassurance strategy

Otkritie Holding: overview of accident and health insurance products offered

Otkritie Holding: unweighted and weighted provider share of partnerships for accident and health insurance

OTP Group: overview of banking operations and summary of bancassurance strategy

OTP Group: overview of accident and health insurance products offered

OTP Group: unweighted and weighted provider share of partnerships for accident and health insurance

Pentagon Federal Credit Union: overview of banking operations and summary of bancassurance strategy

Pentagon Federal Credit Union: overview of accident and health insurance products offered

Pentagon Federal Credit Union: unweighted and weighted provider share of partnerships for accident and health

insurance

People’s Bank: overview of banking operations and summary of bancassurance strategy

People’s Bank: overview of accident and health insurance products offered

People’s Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Permanent TSB Group: overview of banking operations and summary of bancassurance strategy

Permanent TSB Group: overview of accident and health insurance products offered

Permanent TSB Group: unweighted and weighted provider share of partnerships for accident and health insurance

Philippine National Bank: overview of banking operations and summary of bancassurance strategy

Philippine National Bank: overview of accident and health insurance products offered

Philippine National Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Ping An Bank: overview of banking operations and summary of bancassurance strategy

Ping An Bank: overview of accident and health insurance products offered

Ping An Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Piraeus Bank: overview of banking operations and summary of bancassurance strategy

Piraeus Bank: overview of accident and health insurance products offered

Piraeus Bank: unweighted and weighted provider share of partnerships for accident and health insurance

PKO Bank Polski: overview of banking operations and summary of bancassurance strategy

PKO Bank Polski: overview of accident and health insurance products offered

PKO Bank Polski: unweighted and weighted provider share of partnerships for accident and health insurance

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxxiv

PNC Financial Services Group: overview of banking operations and summary of bancassurance strategy

PNC Financial Services Group: overview of accident and health insurance products offered

PNC Financial Services Group: unweighted and weighted provider share of partnerships for accident and health

insurance

Postal Savings Bank of China: overview of banking operations and summary of bancassurance strategy

Postal Savings Bank of China: overview of accident and health insurance products offered

Postal Savings Bank of China: unweighted and weighted provider share of partnerships for accident and health

insurance

Postfinance: overview of banking operations and summary of bancassurance strategy

Postfinance: overview of accident and health insurance products offered

Postfinance: unweighted and weighted provider share of partnerships for accident and health insurance

Poštová Banka: overview of banking operations and summary of bancassurance strategy

Poštová Banka: overview of accident and health insurance products offered

Poštová Banka: unweighted and weighted provider share of partnerships for accident and health insurance

PPF Group: overview of banking operations and summary of bancassurance strategy

PPF Group: overview of accident and health insurance products offered

PPF Group: unweighted and weighted provider share of partnerships for accident and health insurance

PrivatBank: overview of banking operations and summary of bancassurance strategy

PrivatBank: overview of accident and health insurance products offered

PrivatBank: unweighted and weighted provider share of partnerships for accident and health insurance

Public Bank: overview of banking operations and summary of bancassurance strategy

Public Bank: overview of accident and health insurance products offered

Public Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Punjab National Bank: overview of banking operations and summary of bancassurance strategy

Punjab National Bank: overview of accident and health insurance products offered

Punjab National Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Qatar International Islamic Bank: overview of banking operations and summary of bancassurance strategy

Qatar International Islamic Bank: overview of accident and health insurance products offered

Qatar International Islamic Bank: unweighted and weighted provider share of partnerships for accident and health

insurance

Qatar Islamic Bank: overview of banking operations and summary of bancassurance strategy

Qatar Islamic Bank: overview of accident and health insurance products offered

Qatar Islamic Bank: unweighted and weighted provider share of partnerships for accident and health insurance

QNB: overview of banking operations and summary of bancassurance strategy

QNB: overview of accident and health insurance products offered

QNB: unweighted and weighted provider share of partnerships for accident and health insurance

Rabobank: overview of banking operations and summary of bancassurance strategy

Rabobank: overview of accident and health insurance products offered

Rabobank: unweighted and weighted provider share of partnerships for accident and health insurance

Raiffeisen Bankengruppe: overview of banking operations and summary of bancassurance strategy

Raiffeisen Bankengruppe: overview of accident and health insurance products offered

Raiffeisen Bankengruppe: unweighted and weighted provider share of partnerships for accident and health insurance

Raiffeisen Switzerland: overview of banking operations and summary of bancassurance strategy

Raiffeisen Switzerland: overview of accident and health insurance products offered

Raiffeisen Switzerland: unweighted and weighted provider share of partnerships for accident and health insurance

RAKBANK: overview of banking operations and summary of bancassurance strategy

RAKBANK: overview of accident and health insurance products offered

RAKBANK: unweighted and weighted provider share of partnerships for accident and health insurance

Rakuten Bank: overview of banking operations and summary of bancassurance strategy

Rakuten Bank: overview of accident and health insurance products offered

Rakuten Bank: unweighted and weighted provider share of partnerships for accident and health insurance

RBC: overview of banking operations and summary of bancassurance strategy

RBC: overview of accident and health insurance products offered

RBC: unweighted and weighted provider share of partnerships for accident and health insurance

RBS Group: overview of banking operations and summary of bancassurance strategy

RBS Group: overview of accident and health insurance products offered

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxxv

RBS Group: unweighted and weighted provider share of partnerships for accident and health insurance

RCBC: overview of banking operations and summary of bancassurance strategy

RCBC: overview of accident and health insurance products offered

RCBC: unweighted and weighted provider share of partnerships for accident and health insurance

Regions Financial Corporation: overview of banking operations and summary of bancassurance strategy

Regions Financial Corporation: overview of accident and health insurance products offered

Regions Financial Corporation: unweighted and weighted provider share of partnerships for accident and health

insurance

Renaissance Credit: overview of banking operations and summary of bancassurance strategy

Renaissance Credit: overview of accident and health insurance products offered

Renaissance Credit: unweighted and weighted provider share of partnerships for accident and health insurance

Republic Bank: overview of banking operations and summary of bancassurance strategy

Republic Bank: overview of accident and health insurance products offered

Republic Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Resona Holdings: overview of banking operations and summary of bancassurance strategy

Resona Holdings: overview of accident and health insurance products offered

Resona Holdings: unweighted and weighted provider share of partnerships for accident and health insurance

RHB Banking Group: overview of banking operations and summary of bancassurance strategy

RHB Banking Group: overview of accident and health insurance products offered

RHB Banking Group: unweighted and weighted provider share of partnerships for accident and health insurance

Riyad Bank: overview of banking operations and summary of bancassurance strategy

Riyad Bank: overview of accident and health insurance products offered

Riyad Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Rupali Bank: overview of banking operations and summary of bancassurance strategy

Rupali Bank: overview of accident and health insurance products offered

Rupali Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Russian Agricultural Bank: overview of banking operations and summary of bancassurance strategy

Russian Agricultural Bank: overview of accident and health insurance products offered

Russian Agricultural Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Russian Standard Bank: overview of banking operations and summary of bancassurance strategy

Russian Standard Bank: overview of accident and health insurance products offered

Russian Standard Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Säästöpankki: overview of banking operations and summary of bancassurance strategy

Säästöpankki: overview of accident and health insurance products offered

Säästöpankki: unweighted and weighted provider share of partnerships for accident and health insurance

Samba Financial Group: overview of banking operations and summary of bancassurance strategy

Samba Financial Group: overview of accident and health insurance products offered

Samba Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

Sampath Bank: overview of banking operations and summary of bancassurance strategy

Sampath Bank: overview of accident and health insurance products offered

Sampath Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Samsung Card: overview of banking operations and summary of bancassurance strategy

Samsung Card: overview of accident and health insurance products offered

Samsung Card: unweighted and weighted provider share of partnerships for accident and health insurance

Santander: overview of banking operations and summary of bancassurance strategy

Santander: overview of accident and health insurance products offered

Santander: unweighted and weighted provider share of partnerships for accident and health insurance

Saudi Hollandi Bank: overview of banking operations and summary of bancassurance strategy

Saudi Hollandi Bank: overview of accident and health insurance products offered

Saudi Hollandi Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Sberbank: overview of banking operations and summary of bancassurance strategy

Sberbank: overview of accident and health insurance products offered

Sberbank: unweighted and weighted provider share of partnerships for accident and health insurance

SBI Group: overview of banking operations and summary of bancassurance strategy

SBI Group: overview of accident and health insurance products offered

SBI Group: unweighted and weighted provider share of partnerships for accident and health insurance

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxxvi

SBM Group: overview of banking operations and summary of bancassurance strategy

SBM Group: overview of accident and health insurance products offered

SBM Group: unweighted and weighted provider share of partnerships for accident and health insurance

Scotiabank: overview of banking operations and summary of bancassurance strategy

Scotiabank: overview of accident and health insurance products offered

Scotiabank: unweighted and weighted provider share of partnerships for accident and health insurance

SEB Group: overview of banking operations and summary of bancassurance strategy

SEB Group: overview of accident and health insurance products offered

SEB Group: unweighted and weighted provider share of partnerships for accident and health insurance

S-Group: overview of banking operations and summary of bancassurance strategy

S-Group: overview of accident and health insurance products offered

S-Group: unweighted and weighted provider share of partnerships for accident and health insurance

Shanghai Commercial Bank: overview of banking operations and summary of bancassurance strategy

Shanghai Commercial Bank: overview of accident and health insurance products offered

Shanghai Commercial Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Shanghai Pudong Development Bank: overview of banking operations and summary of bancassurance strategy

Shanghai Pudong Development Bank: overview of accident and health insurance products offered

Shanghai Pudong Development Bank: unweighted and weighted provider share of partnerships for accident and health

insurance

Shanghai Rural Commercial Bank: overview of banking operations and summary of bancassurance strategy

Shanghai Rural Commercial Bank: overview of accident and health insurance products offered

Shanghai Rural Commercial Bank: unweighted and weighted provider share of partnerships for accident and health

insurance

Shinhan Financial Group: overview of banking operations and summary of bancassurance strategy

Shinhan Financial Group: overview of accident and health insurance products offered

Shinhan Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

Shoko Chukin Bank: overview of banking operations and summary of bancassurance strategy

Shoko Chukin Bank: overview of accident and health insurance products offered

Shoko Chukin Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Siam Commercial Bank: overview of banking operations and summary of bancassurance strategy

Siam Commercial Bank: overview of accident and health insurance products offered

Siam Commercial Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Šiaulių Bankas: overview of banking operations and summary of bancassurance strategy

Šiaulių Bankas: overview of accident and health insurance products offered

Šiaulių Bankas: unweighted and weighted provider share of partnerships for accident and health insurance

Sicredi: overview of banking operations and summary of bancassurance strategy

Sicredi: overview of accident and health insurance products offered

Sicredi: unweighted and weighted provider share of partnerships for accident and health insurance

Skipton Building Society: overview of banking operations and summary of bancassurance strategy

Skipton Building Society: overview of accident and health insurance products offered

Skipton Building Society: unweighted and weighted provider share of partnerships for accident and health insurance

SKOK: overview of banking operations and summary of bancassurance strategy

SKOK: overview of accident and health insurance products offered

SKOK: unweighted and weighted provider share of partnerships for accident and health insurance

Skye Bank: overview of banking operations and summary of bancassurance strategy

Skye Bank: overview of accident and health insurance products offered

Skye Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Société Générale: overview of banking operations and summary of bancassurance strategy

Société Générale: overview of accident and health insurance products offered

Société Générale: unweighted and weighted provider share of partnerships for accident and health insurance

Sonali Bank: overview of banking operations and summary of bancassurance strategy

Sonali Bank: overview of accident and health insurance products offered

Sonali Bank: unweighted and weighted provider share of partnerships for accident and health insurance

SpareBank 1 Gruppen: overview of banking operations and summary of bancassurance strategy

SpareBank 1 Gruppen: overview of accident and health insurance products offered

SpareBank 1 Gruppen: unweighted and weighted provider share of partnerships for accident and health insurance

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxxvii

Sparkasse KölnBonn: overview of banking operations and summary of bancassurance strategy

Sparkasse KölnBonn: overview of accident and health insurance products offered

Sparkasse KölnBonn: unweighted and weighted provider share of partnerships for accident and health insurance

Standard Bank Group: overview of banking operations and summary of bancassurance strategy

Standard Bank Group: overview of accident and health insurance products offered

Standard Bank Group: unweighted and weighted provider share of partnerships for accident and health insurance

Standard Chartered: overview of banking operations and summary of bancassurance strategy

Standard Chartered: overview of accident and health insurance products offered

Standard Chartered: unweighted and weighted provider share of partnerships for accident and health insurance

State Bank of India: overview of banking operations and summary of bancassurance strategy

State Bank of India: overview of accident and health insurance products offered

State Bank of India: unweighted and weighted provider share of partnerships for accident and health insurance

State Employees Credit Union: overview of banking operations and summary of bancassurance strategy

State Employees Credit Union: overview of accident and health insurance products offered

State Employees Credit Union: unweighted and weighted provider share of partnerships for accident and health

insurance

Sterling Bank: overview of banking operations and summary of bancassurance strategy

Sterling Bank: overview of accident and health insurance products offered

Sterling Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Suhyup Bank: overview of banking operations and summary of bancassurance strategy

Suhyup Bank: overview of accident and health insurance products offered

Suhyup Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Sumitomo Mitsui Financial Group: overview of banking operations and summary of bancassurance strategy

Sumitomo Mitsui Financial Group: overview of accident and health insurance products offered

Sumitomo Mitsui Financial Group: unweighted and weighted provider share of partnerships for accident and health

insurance

Suncorp Group: overview of banking operations and summary of bancassurance strategy

Suncorp Group: overview of accident and health insurance products offered

Suncorp Group: unweighted and weighted provider share of partnerships for accident and health insurance

SunTrust Banks: overview of banking operations and summary of bancassurance strategy

SunTrust Banks: overview of accident and health insurance products offered

SunTrust Banks: unweighted and weighted provider share of partnerships for accident and health insurance

Swedbank: overview of banking operations and summary of bancassurance strategy

Swedbank: overview of accident and health insurance products offered

Swedbank: unweighted and weighted provider share of partnerships for accident and health insurance

Synchrony Financial: overview of banking operations and summary of bancassurance strategy

Synchrony Financial: overview of accident and health insurance products offered

Synchrony Financial: unweighted and weighted provider share of partnerships for accident and health insurance

Syndicate Bank: overview of banking operations and summary of bancassurance strategy

Syndicate Bank: overview of accident and health insurance products offered

Syndicate Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Taishin Financial Holding: overview of banking operations and summary of bancassurance strategy

Taishin Financial Holding: overview of accident and health insurance products offered

Taishin Financial Holding: unweighted and weighted provider share of partnerships for accident and health insurance

Taiwan Cooperative Bank: overview of banking operations and summary of bancassurance strategy

Taiwan Cooperative Bank: overview of accident and health insurance products offered

Taiwan Cooperative Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Taiwan Financial Holdings: overview of banking operations and summary of bancassurance strategy

Taiwan Financial Holdings: overview of accident and health insurance products offered

Taiwan Financial Holdings: unweighted and weighted provider share of partnerships for accident and health insurance

TCS Group: overview of banking operations and summary of bancassurance strategy

TCS Group: overview of accident and health insurance products offered

TCS Group: unweighted and weighted provider share of partnerships for accident and health insurance

TD Bank Group: overview of banking operations and summary of bancassurance strategy

TD Bank Group: overview of accident and health insurance products offered

TD Bank Group: unweighted and weighted provider share of partnerships for accident and health insurance

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxxviii

TEBA Group: overview of banking operations and summary of bancassurance strategy

TEBA Group: overview of accident and health insurance products offered

TEBA Group: unweighted and weighted provider share of partnerships for accident and health insurance

The Co-operative Bank: overview of banking operations and summary of bancassurance strategy

The Co-operative Bank: overview of accident and health insurance products offered

The Co-operative Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Turkish Bank Group: overview of banking operations and summary of bancassurance strategy

Turkish Bank Group: overview of accident and health insurance products offered

Turkish Bank Group: unweighted and weighted provider share of partnerships for accident and health insurance

U.S. Bancorp: overview of banking operations and summary of bancassurance strategy

U.S. Bancorp: overview of accident and health insurance products offered

U.S. Bancorp: unweighted and weighted provider share of partnerships for accident and health insurance

UBA Group: overview of banking operations and summary of bancassurance strategy

UBA Group: overview of accident and health insurance products offered

UBA Group: unweighted and weighted provider share of partnerships for accident and health insurance

UBI Banca: overview of banking operations and summary of bancassurance strategy

UBI Banca: overview of accident and health insurance products offered

UBI Banca: unweighted and weighted provider share of partnerships for accident and health insurance

UBL: overview of banking operations and summary of bancassurance strategy

UBL: overview of accident and health insurance products offered

UBL: unweighted and weighted provider share of partnerships for accident and health insurance

UBS: overview of banking operations and summary of bancassurance strategy

UBS: overview of accident and health insurance products offered

UBS: unweighted and weighted provider share of partnerships for accident and health insurance

UCO Bank: overview of banking operations and summary of bancassurance strategy

UCO Bank: overview of accident and health insurance products offered

UCO Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Ukrgasbank: overview of banking operations and summary of bancassurance strategy

Ukrgasbank: overview of accident and health insurance products offered

Ukrgasbank: unweighted and weighted provider share of partnerships for accident and health insurance

uniBank: overview of banking operations and summary of bancassurance strategy

uniBank: overview of accident and health insurance products offered

uniBank: unweighted and weighted provider share of partnerships for accident and health insurance

Unicaja: overview of banking operations and summary of bancassurance strategy

Unicaja: overview of accident and health insurance products offered

Unicaja: unweighted and weighted provider share of partnerships for accident and health insurance

UniCredit: overview of banking operations and summary of bancassurance strategy

UniCredit: overview of accident and health insurance products offered

UniCredit: unweighted and weighted provider share of partnerships for accident and health insurance

Union Bank of India: overview of banking operations and summary of bancassurance strategy

Union Bank of India: overview of accident and health insurance products offered

Union Bank of India: unweighted and weighted provider share of partnerships for accident and health insurance

Union National Bank: overview of banking operations and summary of bancassurance strategy

Union National Bank: overview of accident and health insurance products offered

Union National Bank: unweighted and weighted provider share of partnerships for accident and health insurance

United Bank of India: overview of banking operations and summary of bancassurance strategy

United Bank of India: overview of accident and health insurance products offered

United Bank of India: unweighted and weighted provider share of partnerships for accident and health insurance

UOB Group: overview of banking operations and summary of bancassurance strategy

UOB Group: overview of accident and health insurance products offered

UOB Group: unweighted and weighted provider share of partnerships for accident and health insurance

UralSib: overview of banking operations and summary of bancassurance strategy

UralSib: overview of accident and health insurance products offered

UralSib: unweighted and weighted provider share of partnerships for accident and health insurance

USAA: overview of banking operations and summary of bancassurance strategy

USAA: overview of accident and health insurance products offered

GLOBAL BANCASSURANCE: PRODUCT AND PARTNERSHIP STRATEGIES IN ACCIDENT AND HEALTH INSURANCE OF THE WORLD’S TOP 500 RETAIL BANKING GROUPS

© FINACCORD (12/2017) xxxix

USAA: unweighted and weighted provider share of partnerships for accident and health insurance

VakıfBank: overview of banking operations and summary of bancassurance strategy

VakıfBank: overview of accident and health insurance products offered

VakıfBank: unweighted and weighted provider share of partnerships for accident and health insurance

Vancity: overview of banking operations and summary of bancassurance strategy

Vancity: overview of accident and health insurance products offered

Vancity: unweighted and weighted provider share of partnerships for accident and health insurance

Vietcombank: overview of banking operations and summary of bancassurance strategy

Vietcombank: overview of accident and health insurance products offered

Vietcombank: unweighted and weighted provider share of partnerships for accident and health insurance

Vietinbank: overview of banking operations and summary of bancassurance strategy

Vietinbank: overview of accident and health insurance products offered

Vietinbank: unweighted and weighted provider share of partnerships for accident and health insurance

Virgin Money: overview of banking operations and summary of bancassurance strategy

Virgin Money: overview of accident and health insurance products offered

Virgin Money: unweighted and weighted provider share of partnerships for accident and health insurance

Volksbank Gruppe: overview of banking operations and summary of bancassurance strategy

Volksbank Gruppe: overview of accident and health insurance products offered

Volksbank Gruppe: unweighted and weighted provider share of partnerships for accident and health insurance

Votorantim Finanças: overview of banking operations and summary of bancassurance strategy

Votorantim Finanças: overview of accident and health insurance products offered

Votorantim Finanças: unweighted and weighted provider share of partnerships for accident and health insurance

VTB Group: overview of banking operations and summary of bancassurance strategy

VTB Group: overview of accident and health insurance products offered

VTB Group: unweighted and weighted provider share of partnerships for accident and health insurance

Wells Fargo: overview of banking operations and summary of bancassurance strategy

Wells Fargo: overview of accident and health insurance products offered

Wells Fargo: unweighted and weighted provider share of partnerships for accident and health insurance

Westpac: overview of banking operations and summary of bancassurance strategy

Westpac: overview of accident and health insurance products offered

Westpac: unweighted and weighted provider share of partnerships for accident and health insurance

Woori Bank Group: overview of banking operations and summary of bancassurance strategy

Woori Bank Group: overview of accident and health insurance products offered

Woori Bank Group: unweighted and weighted provider share of partnerships for accident and health insurance

Wüstenrot & Württembergische: overview of banking operations and summary of bancassurance strategy

Wüstenrot & Württembergische: overview of accident and health insurance products offered

Wüstenrot & Württembergische: unweighted and weighted provider share of partnerships for accident and health

insurance

Yamaguchi Financial Group: overview of banking operations and summary of bancassurance strategy

Yamaguchi Financial Group: overview of accident and health insurance products offered

Yamaguchi Financial Group: unweighted and weighted provider share of partnerships for accident and health insurance

Yorkshire Building Society: overview of banking operations and summary of bancassurance strategy

Yorkshire Building Society: overview of accident and health insurance products offered

Yorkshire Building Society: unweighted and weighted provider share of partnerships for accident and health insurance

Zenith Bank: overview of banking operations and summary of bancassurance strategy

Zenith Bank: overview of accident and health insurance products offered

Zenith Bank: unweighted and weighted provider share of partnerships for accident and health insurance

Ziraatbank: overview of banking operations and summary of bancassurance strategy

Ziraatbank: overview of accident and health insurance products offered

Ziraatbank: unweighted and weighted provider share of partnerships for accident and health insurance

Zürcher Kantonalbank: overview of banking operations and summary of bancassurance strategy

Zürcher Kantonalbank: overview of accident and health insurance products offered

Zürcher Kantonalbank: unweighted and weighted provider share of partnerships for accident and health insurance