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While we all come across loans of some kind through our lives, including mortgages, overdraft, personal loans, business loans,

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

credit cards, etc do we really know how big the market is? How much money actually changes hands on a monthly basis? You would

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

be surprised at the massive amounts involved, which are covered in a summary of the British Bankers Association report for Octo

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

ber 2006 (www.bba.org.uk).

The month of October was potential a tricky month for the financial markets as interest rates were

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

almost certainly going to rise (and did) increasing the cost of lending in a second. This seems to have had little impact on m

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

arket activity which is covered below :-

· Total lending (loans, etc) to the Private Sector showed a new increase of some ?11.

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

8 billion (+0.9%) to ?1,216 billion. This is in comparison to the previous months increase of ?9.6 billion.

· Even as the tra

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

itional quiet Christmas period approached, net mortgage lending showed a further increase, which is a reflection of the still s

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

trong property market. Net mortgage lending rose by a massive ?5.5 billion for October, which was slightly up on the previous

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

months already high figure.

· Overall, unsecured personal lending rose in October, with Loan and Overdraft lending rising by ?

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

0.8 billion, while credit card borrowing actually fell by ?0.4 billion (there will be a seasonal rise as we approach Christmas)

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

.

The above figures will give you an idea of the size of the Financial Industry in the UK, and the seemingly inexhaustible dem

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

and for further lending for mortgages, overdrafts, etc. Despite the recent rise in UK interest rates, and the seemingly inevit

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

able further increases in early 2007 the UK consumer seems to be oblivious to the “real” situation.

While there has always bee

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

major competition on the high street, the traditional clearing banks and specialist financial companies are now coming under p

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

ressure from the retail giants such as Tesco (www.tesco.com) who have the capacity to offer their customers add-on financial se

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

rvices. The UK consumer is notoriously lazy, with many of us still not checking out the competition before buying although thi

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

s is starting to change due to the increased access to the internet.

This increased competition has forced many financial comp

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

anies to go for volume sales at lower profit margins, which is a very dangerous game if business were ever to slow, or the UK e

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

conomy go into reverse. As in so many areas of retail, the impact of companies such as Tesco is having a real long term impact

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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