تحليل وقياس كفاءة التأمين من خلال البنوك: دراسة تطبيقية على السوق المصري

الملخص EN

The aim of the study is to identify the nature of Bancassurance, its strategies, mechanisms of application, its importance to insurance companies and banks, the nature of efficiency, and the selection and application of one of the methods of measuring efficiency to analyze the efficiency of Bancassurance compared to traditional insurance companies operating in the Egyptian insurance market as a reference for analysis.

the study found that there is a statistically significant effect of the performance variables used for the insurance companies under study, as the application of the Bancassurance strategy contributed to improving the performance variables of these companies, so the alternative hypothesis was accepted “the existence of a significant impact of the application of the Bancassurance strategy for the insurance companies under study during the period before and after following the Bancassurance strategy”.

the study also found that the variables that affect profits are the number of policies, insurance amounts, premium charges, and the most influential in profits is the number of policies, and the bank insurance strategy results in insurance companies reaching a new segment of customers, which are the bank's customers; and this leads to an increase in premiums resulting from the purchase of new insurance contracts, and that Bancassurance is profitable for both banks, insurance companies and customers.