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Ljubljana

Maribor

Novo mesto

Kosovo

Značaj tržišta reosiguranja u Sloveniji

Edita Rituper, Sava osiguranje AD

Vrnjačka Banja 15.6.2013

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Makroekonomski indikatori 2010-2012

Ljubljana

Maribor

Novo mesto

Kosovo

Gledajuči portfelj:- 10 kompozitnih- 5 životnih- 4 neživotna

Slovenačko tržište osiguranja – osnovne karakteristike

Gledajuči organizacijono:- 17 deoničkih društava (9 sa večinskim vlastništvom stranog kapitala)- 1 uzajemno društvo (zdravstveno osiguranje),- Sklad obrtnikov in podjetnikov, Ljubljana,- 3 filijale (Wiener Staedtische, Allianz Hungaria, Ergo).

19 osiguravajučih i 2 reosiguravajući kući

2010 2011 2012Real change in GDP (%) 1.2 0.6 -2.0GDP (EUR million) 35,607 36,172 35,700Registered unemployment rate (%) 10.7 11.8 11.9Average inflation (%) 1.8 1.8 2.8Population (million) 2.0 2.0 2.0GDP per capita (EUR) 17,804 18,086 17,850Insurance premiums (EUR million ) 2,094.3 2,092.2 2,036.4Insurance premiums – non-life (EUR million) 1,438.3 1,454.2 1,457.1Insurance premiums – life (EUR million) 656.0 638.1 579.3Insurance premium per capita (EUR) 1,047 1,046 1,018Premiums/GDP (%) 5.9 5.8 5.7Average monthly net salary (EUR) 967 987 991

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Ljubljana

Maribor

Novo mesto

Kosovo

Gross premiums

written

Market share

Gross premiums

written

Market share

Gross premiums

written

Market share

Gross premiums

written

Market share

Zavarovalnica Triglav 743,1 35,8% 719,9 34,4% 694,9 33,2% 645,6 31,7%Zavarovalnica Maribor 266,0 12,8% 259,6 12,4% 263,2 12,6% 263,9 13,0%Adriatic Slovenica 260,6 12,6% 261,2 12,5% 265,2 12,7% 268,9 13,2%Vzajemna 249,8 12,0% 240,3 11,5% 249,1 11,9% 270,9 13,3%Modra zavarovalnica 139,9 6,7% 94,8 4,7%Top 5 zavarovalnic 1.658,8 79,9% 1.628,4 77,8% 1.612,3 77,1% 1.544,1 75,8%

Insurance company Insurance premiums (EUR million )2009 2010 2011 2012

Slovenačko tržište osiguranja 2008 - 2011

Slovenačko tržište osiguranja – največe kompanije

YEAR PREMIUMS CLAIMS CLAIMS RATIO (%) ANUAL GROWTH

RATE

total life non-life total life non-life total life non-life total life non-life

2008 2.018.960 642.653 1.376.307 1.204.208 177.589 1.026.619 59,6 27,6 74,6 106,6 105,5 107,1

2009 2.072.923 630.089 1.442.834 1.240.001 188.496 1.051.505 59,8 29,9 72,9 102,7 98,0 104,8

2010 2.094.342 656.013 1.438.329 1.242.833 245.624 997.209 59,3 37,4 69,3 101,0 104,1 99,7

2011 2.053.443 599.359 1.454.084 1.288.696 344.742 943.954 62,8 57,5 64,9 98,0 91,4 101,1

Slovenačko tržište osiguranja – osnovne karakteristike

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Neka tržišta osiguranja u regionu 2012 - uspredba

Ljubljana

Maribor

Novo mesto

Kosovo

godina 2012 SLO SR MK CG Kos Cro

Premija ukupna (u mil. EUR) 2,036.4 601.4 113.8 66,8 83 1,201.7

Premija/ stanovnika (u Eur) 1,018 84 55 111 38 273Premija/BDP ( %) 5.7 2.0 1,4 2,0 1,8 2.7Prosečna plata mesečno, nominalna (u EUR) 991 365 343 484 353 737

(v mio EUR) 2009 2010 2011 2012Neživot 1.445,2 1.438,3 1.454,2 1.457,1Život 630,1 656,0 638,1 579,3Skupaj 2.075,3 2.094,3 2.092,2 2.036,4

Slovenačko tržište osiguranja 2009 – 2012 (life – non-life)

Slovenačko tržište osiguranja – osnovne karakteristike

Slovenačko tržište osiguranja 2009 – 2012 (struktura life – non-life)

  2009 2010 2011 2012

non-life 69,6% 68,7% 69,5% 71,6%

life 30,4% 31,3% 30,5% 28,4%

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Tržište reosiguranja u Sloveniji

Ljubljana

Maribor

Novo mesto

Kosovo

(EUR) 2012 2011Gross premiums

writtenMarket share

Gross premiums written

Market share

Sava Reinsurance Company 152,827,900 56.8% 140,350,370 53.5%Triglav Re 116,352,810 43.2% 121,931,838 46.5%Total 269,180,710 100.0% 262,282,208 100.0%

Istorija:• godina 1972/ 1973 Pozavarovalnica Sava • godina 1999 Triglav Re• zakon 2000

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Grupa Sava Re

Ljubljana

Maribor

Novo mesto

Kosovo

Istorija:• 1973 Zavarovalnica Sava

• 1977 Pozavarovalna skupnost Sava

• 1990 akcionarsko društvo

• 1998 Tilija

• 2000 Zavarovalnica Maribor (45,79%)

• 2004 Helios osiguranja

• 2007 Dukagjini (51%) i Sava Osiguranje (98,2%)

• 2008 Montenegro osiguranje (99,92%) i Sava Tabak (66,7%)

• 2008 IPO

• 2008 Dukagjini life (51%) i Sava Life (99,99%)

• 2009 Velebitusluge (Velebit osiguranje, Velebit životno osiguranje)

• 2012 – 2013 Zavarovalnica Maribor

Ljubljana

Maribor

Novo mesto

Slovenija

Makedonija

Črna Gora

Srbija

Kosovo

Hrvaška Bosna in Hercegovina

Grupa Sava Re , 25.04.2013

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Grupa Sava Re

Ljubljana

Maribor

Novo mesto

Kosovo

Najbitniji podaci :(EUR)

2012 2011 2012 2011

Gross premiums written 270,763,193 258,415,195 152,827,900 140,350,370

Year-on-year change 4.8% -0.3% 8.9% -1.8%

Gross premiums written - Slovenia 125,150,844 129,086,873 58,774,249 66,062,678

Gross premiums written - international 145,612,349 129,328,322 94,053,651 74,287,692

International premium as % of total GPW 53.8% 50.0% 61.5% 52.9%

Gross claims paid 136,277,305 128,376,839 78,400,272 70,685,269

Year-on-year change 6.2% -2.2% 10.9% -9.5%

Net incurred loss ratio 62.8% 58.1% 67.0% 61.5%

Profit/loss, net of tax 11,788,457 4,066,402 9,604,981 8,637,292

Year-on-year change 189.9% -26.3% 11.2% 20.1%

Comprehensive income 23,471,951 -6,605,376 16,335,282 2,316,198

Total assets 640,591,738 582,037,026 463,035,873 417,051,465

Year-on-year change 10.1% 0.6% 11.0% -0.3%

Shareholders' equity 171,353,442 148,080,050 174,789,810 158,454,528

Year-on-year change 15.7% -4.3% 10.3% 1.5%

Net technical provisions 349,759,210 322,940,184 184,400,328 166,275,281

Year-on-year change 8.3% 5.1% 10.9% 6.3%

Return on equity 7.4% 2.7% 5.8% 5.5%

Book value of shares 18.30 15.82 18.67 16.92

Net earnings/loss per share 1.26 0.43 1.03 0.92

No. of employees at 31.12. (full-time basis) 1490 1530 70 66

Sava Re Group Sava Reinsurance Company

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Grupa Sava Re

Ljubljana

Maribor

Novo mesto

Kosovo

Najbitniji podaci - grupa :

(EUR) 2012 2011 Index 2012 2011 IndexSava Reinsurance Company 152,827,900140,350,370 108.9 78,400,272 70,685,269 110.9Zavarovalnica Tilia 82,795,372 79,158,775 104.6 41,657,071 40,878,315 101.9

-Non-life insurance business 72,817,889 68,880,032 105.7 36,176,911 36,707,578 98.6-Life insurance business 9,977,483 10,278,743 97.1 5,480,160 4,170,737 131.4Sava osiguranje 11,088,909 11,645,335 95.2 5,126,782 6,039,945 84.9Illyria 10,700,873 14,006,737 76.4 5,621,802 7,011,751 80.2Sava osiguruvanje, Skopje 11,265,958 12,544,624 89.8 6,180,684 7,232,311 85.5Sava Montenegro 10,875,447 10,340,373 105.2 4,187,468 3,880,747 107.9Illyria Life 1,174,700 984,056 119.4 63,683 30,666 207.7Sava životno osiguranje 787,639 546,05 144.2 90,796 11,677 777.6Velebit osiguranje 8,648,589 8,994,055 96.2 3,418,412 3,358,494 101.8

Velebit životno osiguranje 1,474,673 1,073,377 137.4 510,781 114,251 447.1

Total Gross Premium Written Total gross claims paid

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Triglav Re

Ljubljana

Maribor

Novo mesto

Kosovo

• Godina 1999 početak

• Godina 2000

1.1 Financial highlights of the Triglav Group

in million E UR Index

2012 2011 2010 2012/2011 2011/2010

G ross w ritten prem ium from insurance and co-insurance contracts 936.3 989.4 1013.6 95 98

N et prem ium earned 884.4 916.3 946.2 97 97

G ross cla im s paid* 613.8 593.9 588.3 103 101

N et cla im s incurred 578.9 576.1 557.7 100 103

G ross operating costs 299.5 286.4 293.1 105 98

G ross insurance contract provisions as at 31 D ec. 2 ,305.3 2,234.1 2 ,270.9 103 98

Equity as at 31 D ec. 574.6 489.5 499.0 117 98

Equity attributable to the controlling com pany as at 31 D ec. 567.9 465.3 470.8 122 99

Profit/loss before tax 89.7 58.0 43.3 155 134

N et profit/loss 73.2 47.5 26.6 154 178

N et profit/loss attributable to the controlling com pany 72.5 47.1 27.8 154 169

Return on equity 13.76 % 9 .61 % 5 .46 % 143 176

Return on equity attributable to the controlling com pany 14.04 % 10.06 % 6 .05 % 140 166

Num ber of em ployees as at 31 D ec. 5 ,379 5 ,064 5 ,247 106 97

* G ross cla im s paid include claim handling costs and are reduced by subrogation receivables.

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ZaključakLjubljana

Maribor

Novo mesto

Kosovo

• Grupacije• Vlastništvo • Kriza & Ratingi

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Ljubljana

Maribor

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