{"product_id":"oldmutual-bcg-matrix","title":"Old Mutual Ltd. Boston Consulting Group Matrix","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDownload Your Competitive Advantage\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eCurious where Old Mutual Ltd.’s products sit—Stars, Cash Cows, Dogs or Question Marks? This quick read teases the shifts and risk spots you need to know; the full BCG Matrix lays out quadrant-by-quadrant placements, clear strategic moves, and data-backed recommendations. Buy the complete report for a ready-to-use Word analysis plus an Excel summary you can act on fast.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003etars\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSA retail life \u0026amp; funeral\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSA retail life \u0026amp; funeral is Old Mutual Ltds flagship protection business with strong brand pull and wide reach, serving over 4 million retail customers in South Africa and capturing significant market presence. The category is expanding as younger, first-time buyers grow the base, with single-premium and starter plans rising. Prioritise distribution and digital onboarding to hold share and scale; sustained momentum can convert this into a powerful cash generator.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGroup risk \u0026amp; pensions (Southern Africa)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eGroup risk \u0026amp; pensions (Southern Africa) within Old Mutual Ltd is anchored by large corporate schemes that provide scale and credibility, with long-term employer contracts underpinning consistent inflows. Strong renewal cycles and sticky administration platforms keep churn low, supporting margin stability. The market continues to expand with formal employment trends and regulatory reform tailwinds, so targeted investment to defend key employer relationships and improve platform UX is prudent.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobile micro‑insurance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMobile micro‑insurance leverages telco and fintech rails for fast, mass adoption—global mobile connections reached about 8.6 billion in 2024 and mobile money registered ~1.6 billion accounts—enabling low‑ticket, high‑volume distribution and rising awareness across regions. Success requires relentless experimentation on pricing and claims UX; when scaled correctly it can graduate into a durable annuity base for Old Mutual.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBancassurance cross‑sell\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBancassurance cross-sell at Old Mutual Ltd leverages bank and lending touchpoints to unlock efficient insurance sales, with 2024 industry studies showing conversion uplifts often exceeding 20% as data models mature. Growth is brisk where credit penetration rises, notably in emerging markets driving premium expansion. Prioritize journey integration and straight-through underwriting to capture scale and reduce cost per sale.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003etag:touchpoints\u003c\/li\u003e\n\u003cli\u003etag:conversion\u0026gt;20% (2024)\u003c\/li\u003e\n\u003cli\u003etag:credit-penetration\u003c\/li\u003e\n\u003cli\u003etag:STU-integration\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSME lending + protection bundles\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUnderserved SMEs are increasingly buying simple credit bundled with protection, driving this offering into the Stars quadrant for Old Mutual Ltd as demand climbs with formalization and e‑commerce spillover; global SME digital transactions rose sharply into 2024, accelerating credit take‑up. Risk models are improving via alternative data and machine learning, and Old Mutual should scale thoughtfully to keep loss rates controlled while capturing market share.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMarket: rising SME credit + protection demand\u003c\/li\u003e\n\u003cli\u003eDrivers: formalization, e‑commerce growth 2024\u003c\/li\u003e\n\u003cli\u003eCapability: alternative data improves underwriting\u003c\/li\u003e\n\u003cli\u003eExecution: scale cautiously to manage losses\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail life \u003cstrong\u003e4M+\u003c\/strong\u003e · mobile 8.6B\/1.6B · bancassurance +20%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSA retail life \u0026amp; funeral: flagship protection, 4M+ customers (2024); convert distribution and digital onboarding to scale cash generation. Mobile micro‑insurance: leverages 8.6B mobile connections and ~1.6B mobile money accounts (2024); needs pricing\/claims UX experiments. Bancassurance: conversion uplifts \u0026gt;20% (2024) via STU integration. Underserved SME credit+protection rising with e‑commerce tailwinds.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eTag\u003c\/th\u003e\n\u003cth\u003eMetric (2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003etag:retail-customers\u003c\/td\u003e\n\u003ctd\u003e4M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003etag:mobile-connections\u003c\/td\u003e\n\u003ctd\u003e8.6B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003etag:mobile-money\u003c\/td\u003e\n\u003ctd\u003e~1.6B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003etag:bancassurance-conv\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;20%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eIn-depth BCG Matrix review of Old Mutual Ltd., mapping Stars, Cash Cows, Question Marks, Dogs with strategic invest\/hold\/divest guidance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eOne-page BCG matrix for Old Mutual Ltd., placing each business unit in a quadrant to simplify strategy decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eash Cows\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLegacy individual life book\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eLegacy individual life book at Old Mutual Ltd holds ~1.1m in‑force policies generating roughly R2.5bn p.a. cash, with low single‑digit growth but persistency around 92% and strong underwriting margins; limited marketing beyond retention is needed. It is a classic cash cow—milk for efficiency savings and to fund new bets and product innovation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstitutional asset management (SA)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eInstitutional asset management (SA) is a cash cow for Old Mutual Ltd, supported by established mandates from pension funds and corporates and strong client retention in 2024. Fee pressure persists from low-cost competitors, yet the revenue base is sticky and sizable. Operational leverage is largely built, enabling margin resilience. Focus is on optimizing costs and defending investment performance to sustain cash generation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonal lines P\u0026amp;C (mature segments)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePersonal lines P\u0026amp;C (auto\/home) in core urban markets are steady in 2024 with low single-digit premium growth and entrenched market share; performance is predictable rather than high growth. Pricing and claims discipline sustain a stable underwriting margin and ROE contribution to the group. Growth is muted but retention strong; maintain underwriting rigor and accelerate claims automation to widen cash spread and reduce loss-adjustment expense.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePayroll‑deducted credit\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003ePayroll‑deducted credit delivers stable collections and very low distribution cost due to employer payroll integration; category growth is modest while unit economics remain strong given predictable cashflows and tight origination margins.\u003c\/p\u003e\n\u003cp\u003eCredit risk is well understood via employer verification and payroll engineering; maintain discipline and avoid migrating into riskier cohorts or unsecured growth to preserve returns.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eStable collections\u003c\/li\u003e\n\u003cli\u003eLow distribution cost\u003c\/li\u003e\n\u003cli\u003eModest category growth\u003c\/li\u003e\n\u003cli\u003eSolid unit economics\u003c\/li\u003e\n\u003cli\u003eEmployer-integrated credit risk\u003c\/li\u003e\n\u003cli\u003eAvoid riskier cohorts\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth \u0026amp; advisory for affluent SA\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eWealth \u0026amp; advisory for affluent SA under Old Mutual functions as a Cash Cow: deep client relationships and high wallet share support recurring advisory fees while platform and compliance costs are largely sunk; market growth is slow (~1% p.a. in 2024) so focus is harvesting cash while protecting service quality.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDeep relationships\u003c\/li\u003e\n\u003cli\u003eRecurring fees \u0026gt;65% revenue\u003c\/li\u003e\n\u003cli\u003eCross‑sell into protection\u003c\/li\u003e\n\u003cli\u003eMarket growth ~1% (2024)\u003c\/li\u003e\n\u003cli\u003eCompliance\/platform costs absorbed\u003c\/li\u003e\n\u003cli\u003eHarvest cash, maintain service\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e\n\u003cstrong\u003eR2.5bn\u003c\/strong\u003e cash, \u003cstrong\u003e92%\u003c\/strong\u003e persist, wealth \u003cstrong\u003e\u0026gt;65%\u003c\/strong\u003e\n\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eLegacy life: ~1.1m policies, ~R2.5bn p.a. cash, 92% persistency, low single‑digit growth. Institutional AM: sticky mandates, fee pressure but margin resilience (2024). Personal P\u0026amp;C: low single‑digit premium growth, stable underwriting. Payroll credit: low distribution cost, predictable cashflows. Wealth: ~1% market growth (2024), recurring fees \u0026gt;65%.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003e2024 cash\/R\u003c\/th\u003e\n\u003cth\u003eGrowth 2024\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLegacy life\u003c\/td\u003e\n\u003ctd\u003eR2.5bn p.a.\u003c\/td\u003e\n\u003ctd\u003eLow single‑digit\u003c\/td\u003e\n\u003ctd\u003e1.1m policies, 92% persistency\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInst. AM\u003c\/td\u003e\n\u003ctd\u003eHigh recurring fees\u003c\/td\u003e\n\u003ctd\u003eFlat\u003c\/td\u003e\n\u003ctd\u003eMandates, fee pressure\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eP\u0026amp;C\u003c\/td\u003e\n\u003ctd\u003eStable earnings\u003c\/td\u003e\n\u003ctd\u003eLow single‑digit\u003c\/td\u003e\n\u003ctd\u003eUnderwriting discipline\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePayroll credit\u003c\/td\u003e\n\u003ctd\u003ePredictable cash\u003c\/td\u003e\n\u003ctd\u003eModest\u003c\/td\u003e\n\u003ctd\u003eLow distribution cost\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth\u003c\/td\u003e\n\u003ctd\u003eRecurring fees \u0026gt;65%\u003c\/td\u003e\n\u003ctd\u003e~1%\u003c\/td\u003e\n\u003ctd\u003eHigh wallet share\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview = Final Product\u003c\/span\u003e\u003cbr\u003eOld Mutual Ltd. BCG Matrix\u003c\/h2\u003e\n\u003cp\u003eThe file you're previewing is the exact Old Mutual Ltd. BCG Matrix report you'll receive after purchase — no watermarks, no demo placeholders, just the finished, fully formatted document. This preview mirrors the downloadable file precisely, crafted for strategic use and clear presentation. Once purchased you'll get the same editable, print-ready report straight to your inbox. Use it in board decks, strategy sessions, or client meetings without edits or surprises.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"PortersFiveForce","offers":[{"title":"Default Title","offer_id":56164080189817,"sku":"oldmutual-bcg-matrix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0914\/5276\/8633\/files\/oldmutual-bcg-matrix.png?v=1762725539","url":"https:\/\/portersfiveforce.com\/products\/oldmutual-bcg-matrix","provider":"Porter's Five Forces","version":"1.0","type":"link"}