在今年开门红，险企调整了开门红策略，部分险企在产品开发策略及销售策略有所分化，开门红效应有所钝化，仍需保持关注。通过前期草根调研，中国平安双12开门理财类保单的预售保费目标约为150亿元，去年的目标约为180亿元（考虑到客户最后确认缴费情况，去年的达成率约为85%），今年有所下滑有所预期，但在业绩压力下，单率有所提升，1月、2月的个险新单保费增速分别为-20.24%、-2.22%，总保费同比增速为5.30%，基本符合预期。公司前期表示，预计在开门红期间的首年保费将有所下滑，但在NBV Margin将保持较好的增长。

Cash logistics solutions mainly consist of cash management and security solutions such as cash-in-transit, cash management services, ATM replenishment & services, which also include money processing, vault outsourcing, international transportation of valuables, intelligent safe services and payment services. Cash logistics services are majorly consumed by retailers, financial institution, government agencies (central banks), jewelers, mints, and other commercial operations around the world. Advantages such as robust deployment process, strategic partnership, efficient project management, and others is also provided by cash logistics companies. The cash logistics market has witnessed significant growth over the years, owing to increase in cash circulations despite the digital currency in the developing regions.Among the end users segment, financial institutions dominated the market in 2016 and is expected to lead throughout the forecast period.

The insurance sector in Romania is highly concentrated. The top ten non-life insurers generated 96.6% of the total gross written premiums in the subsector in 2017, while the top ten life insurers had a share of 95.2%. There were 42 insurance companies (including branches of foreign companies) active on the market at end-2017. Of them 25 were involved only in non-life insurance and 11 only in life insurance, with the remaining six active in both segments. The insurance market is dominated by international groups.

Malaysia has a diverse banking sector where strong domestic players have a larger share of the market than international banks. Malaysia operates a dual banking system where conventional banking operations exist side-by-side with sharia -compliant Islamic banks. Although the commercial banks are the most significant players in the broader financial services sector, the banks also compete with NBFIs particularly in providing loans to consumers, while development financial institutions (“DFIs”) account for loans to specific segments of the economy such as SMEs or agricultural producers. The banking system in Malaysia is generally robust and well-capitalised, and the liquidity and capital adequacy ratios of Malaysian banks exceed the minimum requirements set by BNM, the central bank.

Fast Moving Consumer Goods (FMCG) are products that are sold quickly and at relatively low cost. These products include consumable goods, such as food & beverages, over-the-counter drugs, health care products, and other products, such as personal care, toiletries, and home care products. The scope of the study is intended to discuss the upcoming and present market trends of FMCG. The personal care segment comprises of cosmetics, skincare, haircare and other related products while health care products are further segmented into over-the-counter (OTC) drugs, vitamins and dietary supplements, oral care, feminine care and other products. The global FMCG market is analyzed based on its prospect and future growth rate. The report highlights numerous factors that influence the growth of the global FMCG market. These include market forecast, drivers, restraints, opportunities, and role of different key players operating in the market. The report emphasizes on study of sub segments such as baby care, feminine care, grooming, oral care, and others. However, other products such as tobacco, nicotine & related products, pet care products, consumer electronics, office supplies, and clothing are excluded from the scope of the study. Moreover, it focuses on the distribution channel segment, which includes supermarkets & hypermarkets, grocery stores, specialty stores, e-commerce, and others. Furthermore, it includes the revenue generated from the sales of FMCG across North America, Europe, Asia-Pacific, and LAMEA.

The Russian insurance market is dominated by private companies. The number of market players has fallen sharply since the beginning of the decade as a result of increased M&A activity and stricter capital requirements that forced smaller and inefficient insurers out of business. The market was home to 226 insurers at the end of 2017, down by 12% y/y. In 2016, the licences of 75 insurance companies were revoked and 24 other were shuttered as part of a financial market clean-up process initiated by the Central Bank. As a result, the market concentration has increased with the top 20 insurance companies, both life and non-life, expanding their share in the overall insurance premium income from 71.2% in 2011 to 79.8% in 2017. Among the Russian insurers, 27 companies have an authorized capital of more than RUB 1bn each, of which only four insurance companies have an authorized capital exceeding RUB 10bn.