[PDF] L P C Extract European private banks - pericles-groupcom

L P C Extract European private banks - pericles-groupcom

Périclès Group 3 Luxembourg life pulse check 2019 Périclès Group, an Independent Specialised Consulting Group 100 in house consultants € 15M Turnover + 1 300 assignments 400 Clients 5 offices Paris ∙ Geneva ∙ Luxembourg ∙ Hong Kong ∙ London Providing Expert Solutions Banking –Finance Insurance –Employee Benefits From

Luxembourg life pulse check European - Périclès Group

Périclès Group and its Luxembourg office are very happy to present the second edition of our survey on European private banks’perceptions of the Luxembourg life insurance market, Luxembourglifepulsecheck We asked the banks in top countries for the Luxembourg life insurance business (France, Switzerland, Italy, etc ) forty questions

PERICLES - hofstraedu

plays of this group include Pericles, Cymbeline, The Win-ter’s Tale, and The Tempest According to Shakespearean scholar G B Harrison, the complete list of the plays with their approximate dates is as follows: 1591 Henry VI, Parts One, Two, and Three Richard III Titus Andronicus Love’s Labour’s Lost The Two Gentlemen of Verona

AThe P ge of ericles - 6th Grade Social Studies

of Pericles The Age of Pericles was a period of tremendous creativity and learning that peaked in the mid-400s B C The Persians had destroyed much of the city during the Persian Wars So Pericles started a major rebuilding program He had new temples and statues built across the city Pericles supported artists, architects,

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litigation Ancient sources attribute to Pericles the establishment of payment for service (misthoporia); misthoporia soon extended to many other branches of government (e g , soldiers and sailors on active duty received 3 obols/day as maintenance pay; Plutarch, Pericles, 11 4, says

Document A: Pericles (Modified) - Weebly

STANFORD HISTORY EDUCATION GROUP sheg stanford edu Document A: Pericles (Modified) The following excerpt is from a speech known as “The Funeral Oration,” delivered by the Athenian general and politician Pericles in 431 BCE

The Periclean Citizenship Law of 451/0 BC

Who was Pericles? Pericles was a prominent gure in fth century Athens, leading a relatively long life from c 495 - 429 B C He is generally considered to have been a popular leader, wielding a great deal of political in uence during his career, to the extent that Thucydides went as far as to describe him as the rst citizen of Athens 1 He had

ART HUMANITIES: PRIMARY SOURCE READER Section 1: The

Oration of Pericles" EXCERPT FROM HISTORY OF THE PELOPONNESIAN WAR, 5TH CENTURY B C Thucydides, one of the most important Greek writers of the period during which the Parthenon was constructed, is the author of a history of the war between Athens and Sparta (the so-called Peloponnesian War, 431-404 BCE)

Readings - Learner

appropriated themes of Pericles and Thucydides, and Thomas Jefferson, in the Declaration of Independence, lifted lines from John Locke This unit presents readings on which other units will be built; defining themes and issues that will reappear in later texts Into the context of Locke’s and Jefferson’s similar accounts of the value of work to

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Ban -Finance -suranceLuxembourg ife ulse heck 2019 ¦3rdedition

XURSHMQ SULYMPH NMQNV" SHUŃHSPLRQV RI POH

L uxembourg life insurance market

November 2019

Luxembourg Life Pulse

Check 2019

Périclès Group

Luxembourg life pulse check 2019

2 European private bank survey on Luxembourg life insurance

Dearwealthmanagementprofessionals,

Luxembourgetc.).

Thefollowingaresomekeyconclusions.

Thankyouforreading.

Sincerely,

Yohann Niddam

Périclès Group -Luxembourg Office Managing Partner

Luxembourg Life Pulse

Check 2019

Périclès Group3

Périclès Group, an Independent Specialised Consulting Group100 in house consultants

Turnover+ 1 300

assignment V00

Clients5 offices

Banking Finance

Insurance Employee Benefits

From Innovative Strategy

to Successful Implementation

Customised

consultingBusiness expertise

Competitive

intelligenceMethodology

Luxembourg Life Pulse

Check 2019

Périclès Group

Luxembourg life pulse check 2019

4

Facts & figures

ƒFacts&figures

92respondentsin9Europeancountries

ƒMainobjectives

management,employeebenefits,banking,etc.

Luxembourg Life Pulse

Check 2019

Périclès Group

Luxembourg life pulse check 2019

5

Preliminary remarks

This document corresponds to an extract fromthe Luxembourg Life Pulse Check 2019 If youwantto viewthe full surveyresult, please contact us at : yniddam@pericles-group.com

Luxembourg Life Pulse

Check 2019

Périclès Group

Summary1

Results of the survey

1.Respondentanalysis

2.Luxembourglifeinsurancemarketplace

3.Luxembourglifeinsuranceoffer

4.InsuranceCompaniesassessment

6

Luxembourg Life Pulse

Check 2019

Périclès Group

Respondent analysis1

7

Respondents by market

Commentsonourresponsedatabase

thedistributors.

Spain,PortugalandSweden.

29%

20%18%

17% 15%

France

Italy

Switzerland

Luxembourg

Other 92
respondents

Luxembourg Life Pulse

Check 2019

Périclès Group

Summary2

Results of the survey

1.Respondentanalysis

2.Luxembourglifeinsurancemarketplace

3.Luxembourglifeinsuranceoffer

4.InsuranceCompaniesassessment

8

Luxembourg Life Pulse

Check 2019

Périclès GroupAll marketsLuxembourg life insurance market place2 9What

213Customer

mobility managementFinancial offerTax neutrality2019 2017

213Triangle of

securityFinancial offerTax neutrality

2015213Economic

environmentCustomer mobility managementFinancial offerComments advantage of Luxembourg Life

Insurance

results for all distribution hubs

French distributors choose Luxembourg

Italian distributors value more the

Economic Stability

Swiss and Luxembourgish distributors

than othersPériclès Group

Luxembourg Life Pulse

Check 2019

Périclès Group

Luxembourg life insurance market place2

10 What MUH IX[HPNRXUJ·V PMLQ MGYMQPMJHV ŃRPSMUHG PR \RXU ORŃMO MUHM "

Economic

environment 213

Financial offerTriangle of

security 2019
2017

No relevant data for 2017

213

Financial offerTriangle of

security

Customer

mobility management 213

Legal, tax, asset,

multi-market expertiseTax neutralityFinancial offer 2019
2017
213

Economic

environmentFinancial offer

Customer

mobility management 213

Customer

mobility management

Legal, tax, asset,

multi-market expertiseTax neutrality 2019
2017
213

Customer

mobility managementFinancial offer

Multicurrency

policy management 213

Financial offer

Customer

mobility management

Multicurrency

policy management 2019
2017

Périclès Group

Luxembourg Life Pulse

Check 2019

Périclès Group

Luxembourg life insurance market place2

11 How do you see the evolution of Luxembourg life insurance policies sales in the next 3 years?

Comments

ƒA clear majority of

respondents believe the market will continue to grow

ƒThere is a 10% relative

decline in market growth expectation

ƒSwitzerland is a

growing market.

ƒFrance, the largest and

more mature market, has relatively less growth expectations for the future 7% 18% 18% 48%
62%
53%
37%
20% 22%
7% 7% 19% 29%
15% 44%
53%
78%
44%
31%
12% 17% 37%
6% 6% 6% 4%

0%10%20%30%40%50%60%70%80%90%100%

Significant riseRiseRemain StableDrop

ALL 2019
2017
2015
2019

Luxembourg Life Pulse

Check 2019

Périclès Group

Summary3

Results of the survey

1.Respondentanalysis

2.Luxembourglifeinsurancemarketplace

3.Luxembourglifeinsuranceoffer

4.InsuranceCompaniesassessment

12

Luxembourg Life Pulse

Check 2019

Périclès GroupAll markets

Luxembourg life insurance offer3

13 213
FID

Changing or

choosing the asset manager

Multi asset

managers or custodians 2019
2017
213
FID

Unlisted

securities in FID

Choice of

financial administrator 2015
213

Unlisted

securities in FID

Wide range of

assets in external funds FID

Comments

ƒThe FID remains one of the

biggest strengths of the

Luxembourg life insurance

financial offer

ƒ2019 marks the return of

unlisted securities in FID as strong point for Luxembourg life insurance policies What are the strongest points of Luxembourg contracts for financial offer?

Luxembourg Life Pulse

Check 2019

Périclès Group

Luxembourg life insurance offer3

14 What are the strongest points of Luxembourg contracts for financial offer? FID 213
FAS

Unlisted

securities in FID 2019
2017

No relevant data for 2017

213
FID

Wide range of

assets in external funds

Unlisted

securities in FID 213

FASStructured

products

Multi asset

managers or custodians 2019
2017
213
FID

Guaranteed

funds in foreign currencies

Changing or

choosing the asset manager 213

FIDGuaranteed

funds

Changing or

choosing the asset manager 2019
2017
213

FIDFAS

Unlisted

securities in FID 213
FID

Unlisted

securities in FID

Changing or

choosing the asset manager 2019
2017

Luxembourg Life Pulse

Check 2019

Périclès Group

Luxembourg life insurance offer3

15

ƒStrong points of Luxembourg policies : dedicated internal funds, possibility of integrating unlisted

securities into internal funds and wide range of assets in external funds 18% 19% 19% 19% 22%
24%
25%
27%
34%
35%
38%
40%
43%
44%
48%
51%
52%
54%
57%
77%
51%
46%
50%
52%
42%
39%
49%
47%
42%
40%
39%
30%
34%
37%
35%
30%
35%
30%
22%
16% 22%
21%
26%
21%
27%
21%
20% 18% 15% 13% 15% 19% 13% 18% 12% 9% 12% 10% 10% 4% 9% 14% 6% 7% 9% 16% 6% 8% 9% 13% 9% 11% 10% 1% 6% 9% 1% 6% 10% 3%

0%10%20%30%40%50%60%70%80%90%100%

Subscriptions and redemptions can be done by transferring securities

Level of details in FIC/FID/FAS reportings

Investment limits according to wealth

Investment limits according to the kinds of assets

Guaranteed funds

Structured products

Ability to hold cash in internal funds

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