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 1η ΙΟΥΛΙΟΥ−ΑΥΓΟΥΣΤΟΥ 2014, ΦΥΛΛΟ 443, ΜΗΝΙΑΙΑ ΟΙΚΟΝΟΜΙΚΗ ΑΣΦΑΛΙΣΤΙΚΗ ΕΠΙΘΕΩΡΗΣΗΛΗ' ΧΡΟΝΟΣ, 6 ευρώ, www.aagora.gr English Supplement Πώς η τεχνολογία του insurancemarket.gr απαντά στις ανάγκες των διαµεσολαβητών Μανώλης Μαρσέλλος Σωτήρης Παπαντωνόπουλος

Ασφαλιστική Αγορά Ιούλιος-Αύγουστος 2014

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  • 1 2014, 443, , ' , 6 , www.aagora.gr

    English Supplement

    insurancemarket.gr

  • 1 - 2014 A. : 443

    . & .. . 1062 : aa 6 A:aa 55 :aa 150 : aa 180: 126, 151 24 ...: 082314452

    ASFALISTIKI AGORAonthly Economic & Insurance Review Editor A. ROUCHOTA 126 DIONISSOU Str., 151 24Maroussi, Athens Greece Annual Subscription: aa180

    .: 2106196879 2106196942Fax: 2106196943,email: [email protected]

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  • 34 (- 2014)

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    (- 2014) 37

  • 38 (- 2014)

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  • (- 2014) 39

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  • 42 (IOYIO- 2014)

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  • (- 2014) 43

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  • 44 (IOYIO- 2014)

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  • (- 2014) 45

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  • 46 (IOYIO- 2014)

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    48 (- 2014)

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  • 50 (IOYIO- 2014)

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  • (- 2014) 51

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    52 (IOYIO- 2014)

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    (- 2014) 59

  • (NE A )

    60 (- 2014)

    | ALLIANZ | Allianz 2013. - , - , Allianz , , - 44,,99%%,, 4,5% 2012., 2013 Allianz -- 2012, - 203,6 . (, -), 0,7% 2012. - 1188,,99 .. 23,0 ., - . Allianz , 22001133 Allianz -- 333300..000000 , 337.000 -. / Allianz , . -, : .. - , - . . , - , - ,

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    (- 2014) 61

    | | -- - 2014 2013, - - . , -: -- 6622,,55%%, 1,3 ., 0,8. . --

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    62 (- 2014)

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    (- 2014) 63

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    (NE A )

    64 (- 2014)

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  • (NE A )

    66 (- 2014)

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  • (- 2014) 67

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  • 68 (- 2014)

    (NE A )

    | METLIFE | CCaappee TToowwnn MetLife -, , -- CChhaalllleennggee 22001144 . 200 - , 21 , . - , . MM.. KKhhaallaaff, President Europe,Middle East & Africa (EMEA), .JJ.. HHeellee, MetLife Executive VicePresident & Chief Financial Officer, . .. , RegionalHead, Eastern & Southern Europe, . , , . .. , Head ofFace to Face Distribution, Eastern &Southern Europe, . .. --, Head of Face to Face

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    | HELLENIC FINANCIAL PLANNERS ASSOCIATION |

    Financial Planners EFICERT, .

    (- 2014) 69

  • | | - . () 28 2014 - , - -. ,, . / ARAG, . --, --

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    70 (- 2014)

    (NE A )

    | | ,, - , . - , - , - , - - , . - , , , - - , - .

    | GLASSDRIVE | - , GGLLAASSSSDDRRIIVVEE -, NNEEOOCCAARR . , . ,, - - & - ( ). GGLLAASSSSDDRRIIVVEE - 3388 ,, 1155 -- 9900 -- , - - , - . GLASSDRIVE, - Saint-Gobain, - - - , - - (OEM). -, .

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    (- 2014) 71

    | DAS HELLAS | ssiite D.A.S. Hellas, internet, , . www.das.gr - : ,

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  • 72 (- 2014)

    (NE A )

    | MAR | -- }} :Managing Insurance in Todays World( & - ) MATRIX Insurance & ReinsuranceBrokers, PartnerRe. -, - . - ReSolve!, - - - PartnerRe - . ReSolve! , - - , - , , Solvency II -. 5 } , - -. - - , , -

    , ..CChhrriissttoopphh KKaaggii, Member of SeniorManagement, PartnerRe, DominikMMaaiieerr, Principal Consultant, TataInteractive Systems, - Solvency II Market & Non-Underwriting Risks. , - - - , . - . (CEO), . Gerry Tighe (- ), . -

    (COO) . (), - . CEO Matrix, . -, : , . , - -, , , - -, -.

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    Gerry Tighe (Matrix), (Cosmos),Dominik Maier, M (Cosmos)

    Christoph Kagi.

    | | , , - . , - . - - - .

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    , - , -, -. - - , - , -

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    EMEA RISING STARS.

    . -, RegionalHead, Eastern &Southern Europe.

    74 (- 2014)

  • , - - .

    -- MMeettLLiiffee ,

    - Metropolitan Expo.

    , 1.850 93 - 19.000 -.

    , MetLife - -- , MMaarriinneeVVaalluuee. - , - . . .. ,Corporate Sales Manager MetLife,

    : MetLife - brand -, - - - . MetLife, 50 -,

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    ..... , . - Deree College.

    | INTERNATIONAL .... |

    O . , / (C.E.O.) International .....

    (- 2014) 75

    | ARAG | - ARAG 11, President, - , . , - -, - - ARAG, , , - . -. - , - , , -, , - .. , - -/ .. ARAG, - -, - ., - , - . , - - - , - .

    | INTERNATIONAL LIFE | IInntteerrnnaattiioonnaall LLiiffee AAllpphhaa TTrruusstt,, -- IInntteerrnnaattiioonnaallLLiiffee .. - -

    ,

    , . , Alpha Trust International Life , - .

  • (NE A )

    WWhhaarrttoonn SScchhooooll,, , - Eurolife ERB, - . - , - - , , . Eurolife ERB -, . , - Wharton School

    Advisory Board - , , : Eurolife ERB , , - Wharton School, Business Schools

    . - business leaders - , Eurolife ERB , , , .

    Wharton School, Eurolife ERB .

    76 (- 2014)

    ERB .

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  • 78 (- 2014)

    ()

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    PPrriimmee IInnssuurraannccee

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    (ENGLISH SUPPLEMENT)

    FFor investors, however, theconditions were more upbeat.European stock marketsexperienced strong growth in 2013. Inparallel, corporate bond yields incheddownward. Moreover, the spreads ingovernment bond yields of thecountries on the EU peripherycontinued to decline, including Greece,where in early 2014 the governmentsuccessfully returned to the markets.This general equity and bond marketstabilization created a more solidfoundation for productive investment.Despite the testing macroeconomiccontext, preliminary ffigures ssuggest aarather ppositive ppicture ffor ttheinsurance iindustry. Total ppremiums iinInsurance EEuropes mmember ccountries

    grew oon aaverage 2.8% at constantexchange rates, reaching an estimated1 1111bn. This growth was drivenlargely by a ssttrroonngg iinnccrreeaassee iinn tthhee lliiffeeinsurance mmarket 4.7% yyear-on-yearaatt ccoonnssttaanntt eexxcchhaannggee rraatteess while non-life premiums, on average, remainedlargely stable.

    Large markets lead life growthThe almost 5% increase in lifeinsurance premiums was the result ofstrong growth in the Insurance Europemember countries that manage someof the largest life insurance portfolios,such as Sweden, IItaly, SSwitzerland,Germany and France, as well as Finlandand Austria. Switzerland experienced strong growth

    in group contracts. For Germany, 2013was marked by a vast expansion insingle-premium business and stabledevelopment in regular annualpremium business. French insurers arealso recovering, with strong growthafter two consecutive years of decline,even though pre-crisis levels ofpremiums have not yet been reached.In FFiinnllaanndd, strong growth in unit-linkedinsurance was registered. In Portugal,it was savings products that dictatedmuch of the expansion, indicating thevalue put on these secure products inthe current volatile financialenvironment. On the downside, in Belgium theannouncement of a tax increase forsome life products, starting in January

    European iinsurance in ffigures*

    Insurers show resilience in 2013 amid low economic growth

    An adverse economic environment persisted in Europe in 2013. Most euro-area economieswere struggling to kick-start growth, which translated into a fall in euro-area GDP of 0.4%.

    Non-euro area EU member states fared better, with modest positive growth, thus lifting the GDP growth of the 28 EU member countries just above zero. Low economicactivity in both the goods and services sectors kept unemployment high (11.9% in the euro

    area, 10.7% overall). Lacklustre economic activity dampened euro-area inflationto below 1% a year towards the end of the year. The environment was therefore

    challenging for the financial sector.

  • 2013, encouraged citizens to makepayments in late 2012 and had amassive impact on life premiums (adrop of 25% or 5bn). In SSppaaiinn demandfor savings-related products continuedto be weak due to the recession.Likewise in GGrreeeeccee, the full impact ofthe recession affected both unit-linkedlife business and traditional lifeinsurance.WWhhiillee lliiffee iinnssuurraannccee bbuussiinneessss ggrreewwoovveerraallll,, nnoonn--lliiffee pprreemmiiuummss ssttaaggnnaatteedd..This hides a diverse picture across bothcountries and business lines. For theaggregate non-life sector, significantpremium growth was registered incountries including Sweden, Finland,Austria, Spain, France, Belgium,Germany, the Netherlands andSwitzerland.The positive overall result wasdampened by a negative result in theUUKK, where non-life premiums weredown by an estimated 3bn or -4.7% atconstant exchange rates. Total non-lifepremiums in Italy also fell by 4.8% or1.7bn. TThhee llaarrggeesstt ddeecclliinnee iinn nnoonn--lliiffee iinnssuurraanncceepprreemmiiuummss iinn 22001133 wwaass iinn tthhee mmoottoorrsseeccttoorr (which accounts for 28% of thenon-life total). This line suffered anestimated 4.7% drop in premiums atconstant exchange rates. IInn vvaalluueetteerrmmss,, tthhee UUKK aanndd IIttaallyy ttooookk tthhee llaarrggeesstthhiitt.. In SSppaaiinn motor insurance continuedto show a slightly negative evolution,as a consequence of stagnation in the

    total number of insured vehicles.GGrreeeeccee and PPoorrttuuggaall also experienced adrop in motor premiums.PPrrooppeerrttyy pprreemmiiuummss aallssoo ssuuffffeerreedd aaddeecclliinnee, estimated at -1.4% at constantexchange rates, owing to a substantialfall in premiums in the UUKK and FFrraanncceecompared with the year before. TheSSppaanniisshh pprrooppeerrttyy iinnssuurraannccee segmentremained competitive despite thedifficult economic situation, showing anability to adapt to market conditions.GGeerrmmaannyyss pprrooppeerrttyy aanndd ccaassuuaallttyymmaarrkkeett saw an increase in premiums,partly prompted by the damage caused

    by natural catastrophes in the course ofthe year.In contrast, tthhee hheeaalltthh iinnssuurraannccee sseeccttoorrhhaadd aa ppoossiittiivvee yyeeaarr,, aass pprreemmiiuummss ggrreewwbbyy 11..55%% aatt ccoonnssttaanntt eexxcchhaannggee rraatteess..Most countries health premiumsincreased, with Italy and Sweden beingnotable exceptions. The negativeoutcome in Sweden was as a result ofAFA Insurance, owned by organisationsinvolved in Swedens labour market,paying back SEK 11bn (1.2bn) topolicyholders. In Germany, thenumbers were positive, but growth hasslowed due to a drop in policyholders,as well as lower premium income due tothe introduction of a tariff for people infinancial difficulty. Surprisingly, inPortugal health insurance grew,despite the adverse economicconditions. Health premiums alsoproved resilient in Spain.

    Continued growth in theinvestment portfolio

    Estimates suggest that in 2013 insurerstotal investment portfolio grew by 4.5%at constant exchange rates, reaching8.6trn, driven by the life portfolio(representing 85% of the total), which isestimated to have expanded by 5.5% atconstant exchange rates. The non-lifeportfolio also grew, albeit at a slowerpace of around 2.8%. Here, too, thenational picture is mixed. While inGermany and the Netherlands theportfolio decreased, in France, Finland,Austria and Italy it grew.

    (OY- 2014) 89

    *As published in the Annual Report 20132014 - Insurance Europe.

  • TT he insurance market wasrelatively stable at thebeginning of the year,although there are still structuralproblems inherited from the previousyears. We can see some improvements,especially as a result of the interventionof the Financial Supervisory Authority.We are now focusing on solvingindividual issues and setting the marketon a solid base, MMiissuu NNeeggrriittooiiuu,President of the FSA, said.Looking at the main business lines, itshould be said that except for the MTPLinsurance line, all the other significantmarket segments recorded a negativechange in 1Q2014.MMTTPPLL, the most important business linein terms of portfolio share (3366%% ooff ttoottaallGGWWPP) wwaass tthhee oonnllyy rreeccoorrddiinngg aa ppoossiittiivveeeevvoolluuttiioonn iinn tthhee uunnddeerrwwrriittiinnggss vvoolluummee,,of about 1100%% as compared with 1Q2013.In fact, as shown by the figures in thetable, the current result confirms atrend already seen in the previous year.According to the Romanian FSA, themain reason of the upward trend maybe the 77%% yy--oo--yy iinnccrreeaassee ooff aavveerraaggeeMMTTPPLL rraattee in 1Q2014, while the ttoottaallnnuummbbeerr ccaarrss holding a MTPL policydidnt change significantly, remainingof about 11..9955 mmiilllliioonn.Still, despite the growth in GWP, MMTTPPLLrreemmaaiinnss tthhee hhoott ppoottaattoo of theRomanian insurance market, dominatedby a harsh competition. MTPL holdsthe largest share in the marketportfolio, but it also produces theggrreeaatteesstt lloosssseess }46% of total paidclaims for non-life insurance in 2013.Also, it is symptomatic that thecombined loss rraatio was 124.7% for thisclass and 128% for Motor Hull in 2012and most probably things didnt changemuch in 2013, said RReemmii VVrriiggnnaauudd,,President UNSAR, during the motorconference hosted by the recent edition

    of FIAR the International Insurance -Reinsurance Forum. In addition, asSSoorriinn GGrreecceeaannuu, General Manager of theRomanian Street Victims ProtectionFund, pointed out, on the insurancemarket in Romania, many worldwide-known insurers have withdrawn fromthe unprofitable lines, especially MTPL,the most eloquent example beingHannover Re or Scor. Wouldnt besurprising, if this pressure on the motor insurance market continues to a larger extent, to see a few morereinsurers and insurers leave,especially from the category of

    those having international experience.Moreover, the MTPL segment remained,not accidentally, both in 2013 and thebeginning of 2014, the starting point forseveral public actions taken againstsome important insurers. It is notaccidentally because the three mostimportant players on this segment Carpatica, Euroins and Astra, holdingtogether a 52% }53% market share,had all major problems both with theirsolvability indicators and publicreputation. Thus, CCaarrppaattiiccaa, the MTPL marketleader is currently under the financial

    11QQ22001144Accident and sickness insurance 2,77Health insurance 2,50Motor Hull 93,94Insurance for railway rolling stock 0,06Aircraft insurance 0,36Insurance for ships 1,89Insurance of goods in transit 2,33Insurance against fire and other natural forces 55,19Other insurance against damage to property 5,82MTPL 167,07Aircraft liability insurance 0,74Liability insurance for ships 0,81General liability insurance 28,02Credit insurance 1,57

    Suretyship insurance 6,95Insurance against financial loss 1,56Insurance of legal expenses 0,00Touring and travel assistance insurance 3,56TOTAL NNON-LIFE 375,15Life assurance, annuities and supplemental life assurance 57,20Marriage insurance, birth insurance 0,01Unit-linked life assurance and annuities 25,16Permanent health insurance 0,21Accident insurance (including labor accidents and professional sickness) 1,90Health insurance 1,27TOTAL LLIFE 85,80

    TOTAL MMARKET 460,95

    (NEW MARKETS IN NEW EUROPE)

    90 (- 2014)

    ROMANIAN INSURANCE MARKET

    MTPL a race with no winnersBy Daniela Ghetu, Editorial Director PRIMM Publications Insurance & Pensions (Romania)

    The local Financial Supervising Authority (FSA) has recently announced a 3.43% decrease inthe Romanian insurance markets GWP for the first quarter of 2014. Thus the total gross

    premium reached an amount of EUR 461 million (for a EUR exchange rate against RON of4.4553 RON/EUR, as at March 31st). The non-life sector generated premiums of EUR 375

    million, 2.09% less than in the first three months of 2013, while life insurance decreased evenmore }by almost 9%, to EUR 86 million.

  • recovery procedure opened by themarket authority because, as at March31st 2014, the companys liquidity ratiowas of 0.84, less than the minimumvalue required by law, of 1, while theadmitted assets covered only 64.3% ofthe gross technical reserves andsolvency margin was below theminimum level admitted by law. With anew management team and a recoveryplan approved by the authority, thecompany is currently operating onnormal basis as far its relationship withthe customers is concerned. In fact, asits claims settlement management hasobviously improved, it seems there is astrong possibility to soon see it also ina better financial position.Almost the same situation wasexperienced also by EEuurrooiinnss, theRomanian subsidiary of the Bulgariangroup Eurohold. After being stopped forthree weeks from selling MTPL policiesin September 2013, the company hasresumed work on this segment whichrepresents over 90% of its turnover. Anew management team, a new andmore performing IT system forimproving the claims settlementprocess and repeated injections of

    capital were the foundations on whichthe company has restarted its activity.The last capital increase operation tookplace at the beginning of June, with aEUR 11.3 million addition to thecompanys share capital, the eightperformed by Eurohold since itsentrance on the local market. A furthersimilar capital increase is expected inthe next semester of 2014. Finally, AAssttrraa AAssiigguurraarrii, the 2013 marketleader, is still under the specialsurveillance procedure andexperiencing a difficult situation.

    For sale?The difficult ssituation oof AAstra AAsigurari,which in a couple of weeks escalated tothe point of placing the company underspecial administration, in February thisyear, is already well known. A briefrecap of the main reasons of the FSAsdecision should without any doubt startwith the companys bad reputation,further confirmed by the authoritysfindings, regarding claims payment,especially on the MTPL business line. Inaddition, the FSA audit revealed theundervaluation of the technicalreserves, as well as a doubtful

    reinsurance program and a series offinancial operations within the Astrasaffiliates group which affected thecompanys capacity to fulfil itsobligations towards their insured. Inaddition, not fully independent of thecompany status, its owner, theRomanian businessman DDaannAAddaammeessccuu, was accused of beinginvolved in a corruption case and iscurrently detained.The sale of Astra Asigurari is the mostsuitable solution to bring the insurerback on track, according to MisuNegritoiu, the President of theRomanian Financial SupervisoryAuthority. He has recently said thatKPMG, the current administrator andthe majority shareholder have come tothe conclusion to identify potentialinvestors which can bring thenecessary capital for the insurer tomeet the normal standards. Thecompany needs to raise around EUR 110million in new capital to improve itsprudential indicators, according to therecovery plan drawn up by its specialadministrator KPMG Advisory that wasapproved by the Financial SupervisionAuthority (ASF) earlier this year.

    Astra Asigurari baresthe responsibility of 4million clients and ourduty is to save thecompany. There areinterested investorsand discussionscontinue through thespecial administratorand through its mainshareholder, Negritoiusaid. However, it is stillfar too early to think toa bidders list,considering that thefinancial situation ofAstra still needs to beclarified in manyaspects before apossible investor to beable to make a firmoffer. For the time being, itseems Astra AsigurarisGWP decreased by onethird in the first threemonths of 2014,reaching EUR 49.4million, the companythus loosing its marketleadership position infavour of Allianz-Tiriac.

    GWP ((EUR mm) Growth rrates ((%) Share iin ttotal GGWP ((%)11QQ22001133 11QQ22001122 1144//1133 1133//1122 11QQ22001144 11QQ22001133 11QQ22001122

    10,76 3,95 -74,22 172,28 0,60 2,25 0,814,56 3,74 -45,14 21,96 0,54 0,96 0,77

    94,90 101,79 -1,01 -6,76 20,38 19,88 20,940,14 0,10 -56,20 40,47 0,01 0,03 0,020,67 0,43 -46,77 56,99 0,08 0,14 0,091,83 1,02 3,24 78,98 0,41 0,38 0,212,46 3,14 -5,12 -21,67 0,51 0,51 0,65

    60,63 58,40 -8,97 3,80 11,97 12,70 12,025,48 5,73 6,29 -4,44 1,26 1,15 1,18

    151,84 138,73 10,03 9,46 36,24 31,81 28,540,59 0,60 24,90 -2,35 0,16 0,12 0,121,00 0,79 -19,05 27,51 0,18 0,21 0,16

    29,48 48,66 -4,96 -39,43 6,08 6,18 10,012,30 5,72 -31,64 -59,88 0,34 0,48 1,18

    12,30 12,52 -43,44 -1,83 1,51 2,58 2,581,20 0,96 30,11 25,80 0,34 0,25 0,200,00 0,01 -16,78 -91,41 0,00 0,00 0,003,03 2,84 17,36 6,66 0,77 0,63 0,58

    383,16 389,14 -2,09 -1,54 81,39 80,27 80,0660,97 57,70 -6,18 5,67 12,41 12,77 11,87

    0,01 0,09 -14,69 -91,19 0,00 0,00 0,0230,18 35,09 -16,63 -14,00 5,46 6,32 7,220,02 0,16 1246,77 -90,42 0,04 0,00 0,031,80 1,70 5,52 5,71 0,41 0,38 0,351,01 2,19 25,28 -53,75 0,28 0,21 0,45

    94,19 96,93 -8,91 -2,83 18,61 19,73 19,94477,35 486,07 -3,44 -1,79 100,00 100,00 100,00

    (- 2014) 91

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