安联保险集团（Allianz）：2019年新兴消费者年度报告（英文版）（17页）.pdf

1、 Copyright Allianz 2018 Allianz SE Public EMERGING CONSUMERS 2019 FULL YEAR REPORT Copyright Allianz 2018 01 WHAT IS EMERGING CONSUMERS BUSINESS FOR ALLIANZ? 04 FULL-YEAR RESULTS 02 WHY WE DO IT: COMBINING SOCIAL AND BUSINESS BENEFITS 05 FEATURE STORIES 03 HOW WE DO IT: THE PILLARS OF OUR APPROACH 0

2、6 WHERE WE DO IT INDEX 2 2019 UpdateBusiness Background Copyright Allianz 2018 BUSINESS BACKGROUND Copyright Allianz 20184 WHAT IS EMERGING CONSUMERS BUSINESS FOR ALLIANZ? Business Background World population by income1 3.7 bn 3.8 bn Low-income people in low and middle income countries Middle & high

3、 income people Emerging Consumers business Classic financial services 1) World Bank World Population Dataset (2018) Emerging Consumers Business At Allianz, we are dedicated to creating propositions specially designed to improve the lives of people with low incomes. We address the financial needs of

4、the economic bottom 60% of the population in low and middle income countries in Latin America, Africa and Asia with insurance, assistance and related services. Emerging Consumers business reported here meets the three following core criteria: 1.Business offered in low or middle income countries in L

5、atin America, Africa or Asia 2.Min. 80% of people reached are low-income i.e. they belong to the 60% economic bottom of the population 3.Business generated from commercial offering Copyright Allianz 20185 WHY WE DO IT: COMBINING SOCIAL AND BUSINESS BENEFITS Business Background Middle income Low inco

6、me High income Risk event With insurance and assistance Without insurance and assistance Time Customer wealth level Emerging Consumers Customer Benefits: Multichannel touchpoints Customer engagement to co- create journeys Simple, relevant and affordable products Short-duration pay-as-you-go policies