Success in financial services depends on a combination of strategic flair and good old-fashioned ability to deliver avoiding the major governance and regulatory pitfalls. If your institution is to be a winner then you’ll need to work hard on the strategic and delivery elements of the equation.

		Insurance Market Update - Non-life Insurers In this issue, we turn our attention to the road to focus exclusively on the motor insurance market.
		FS Market insights  We take an in-depth look at how financial institutions are coping in a market no longer awash with capital.
		Banking and Capital Markets Insight Our July 2008 edition edition focuses on fair value and transparency in financial reporting.
		Insurance Market Update breaking news We highlight the key considerations for insurance firms, and the areas they need to assess, following the FSA's recent update on insurers' Risk and Capital Management.

Globalisation is a necessary mind-set for in order to benefit from economies of scale, local expertise, service quality, customer perception and reputation.

Customer focus is critical as customers become more demanding. Tailored products and responsive service are dependant on the right organisational structure, a CRM system that actually delivers and unrelenting market focus; truly “treating customers fairly”.

Sustainable cost reduction continues to be a management priority. Technology and people offer the biggest targets and so remain the focus of attention as offshoring solutions continue to prove attractive.

Consolidation and Convergence has brought about change within the industry for many years. Will this trend gather pace across borders if tax, regulatory and political hurdles can be overcome?

Governance risk and regulation requirements have brought about a sea change. The way businesses are run has improved, but at a cost. External pressure and capital needs will intensify; reputations will be won and lost, as will competitive advantage.

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