amf ALBANIA AUTORITETI I MBIKËQYRJES FINANCIARE … · tregu i sigurimeve raporti i mbikËqyrjes...

TREGU I SIGURIMEVERAPORTI I MBIKËQYRJES

INSURANCE MARKETSUPERVISION REPORT

‘08‘08

ALBANIAamf AUTORITETI I MBIKËQYRJES FINANCIAREFINANCIAL SUPERVISORY AUTHORITY

E drejta e Autorit Materiali në këtë publikim është pronësi e AMF. Ju mund ta shkarkoni, printoni apo riprodhoni këtë material në një formë të patjetërsuar, për qëllime personale jo komerciale ose brendaorganizatës tuaj, duke cituar Autoritetin e Mbikëqyrjes Financiare (AMF). Të gjitha të drejtat janë të rezervuara. Kërkesat për përdorim të mëtejshëm të informacionit në këtë publikim duhet të drejtohen pranë Drejtorisë së Kërkimeve dhe Statistikës.

Disclaimer Ndërkohë që AMF përpiqet të sigurojë cilësinë e këtij publikimi, AMF nuk mban përgjegjësi për saktësinë, apo valutën e përdorur në materialin e përfshirë në këtë publikim, si dhe nuk mbart detyrim ligjor për ndonjë humbje apo dëm të mundshëm si pasojë e përdorimit apo referimit në këtë publikim. Shënime Në fund të këtij publikimi do të gjeni shënime sqaruese mbi burimin e të dhënave. Informacion i mëtejshëm Për më shumë informacion në lidhje me statistikat në këtë publikim: e-mail: [email protected]: Drejtoria e Kërkimeve dhe Statistikës, Autoriteti i Mbikëqyrjes FinanciareRruga: Perlat Rrexhepi, Pall.10 kate, Tiranë

Copyright “The material in this publication is copyright. You may download, display, print or reproduce material in this publication in unaltered form for your personal, non-commercial use or within your organisation, with proper attribution given to the Albanian Financial Supervisory Authority (AFSA). All rights are reserved.” Requests for other uses of the information in this publication should be directed to AFSAResearch and Statistics Directorate.

Disclaimer While AFSA endeavours to ensure the quality of this Publication, AFSA does not accept any responsibility for the accuracy, completeness or currency of the material included in thisPublication, and will not be liable for any loss or damage arising out of any use of, or reliance on, this Publication. Explanatory notes A set of explanatory notes on the source of data is provided at the end of the publication. Enquiries For more information about the statistics in this publication: e-mail: [email protected] write to Drejtoria e Kërkimeve dhe Statistikës, Autoriteti i Mbikëqyrjes FinanciareRruga Perlat Rrexhepi, Pall.10 kate, Tiranë


INSURANCE MARKETSUPERVISION REPORT ‘08

PËRMBAJTJA

Hyrje Gjendja Financiare në Tregun e Sigurimeve në ShqipëriTabela 1: Disa Karakteristika mbi Tregun e SigurimeveTabela 2: Disa Karakteristika mbi Tregun e SigurimeveGrafik 1: Struktura e Kapitalit sipas Vëndit të OrigjinësGrafik 2: Ndarja e Tregut sipas Dominimit të KapitalitTabela 3: Disa Karakteristika mbi Tregun e SigurimeveGrafik 3: Trendi i Treguesve Kryesorë të Rentabilitetit (në %)Tabela 4: Aktive dhe PasiveTabela 5: Aktivi dhe Pasivi i Tregut (Jetë dhe Jo - Jetë)Grafik 4: Aktivet sipas Shoqërive të Jetës 31.12.2008Grafik 5: Pasivi sipas Shoqërive të Jetës 31.12.2008Grafik 6: Aktivet sipas Shoqërive të Jo - Jetës 31.12.2008Grafik 7: Pasivi sipas Shoqërive të Jo - Jetës 31.12.2008Tabela 6: Portofoli i Investimeve të Shoqërive të SigurimitTabela 7: Struktura e Investimeve të Shoqërive të Sigurimit sipas Vendit dhe Datave të MaturimitTabela 8: Aktivet në Mbulim të Provigjoneve TeknikeTabela 9: Struktura e Aktiveve në Mbulim të Provigjoneve Teknike Tabela 10: Provigjone Teknike Bruto Tabela 11: Provigjone Teknike Neto Tabela 12: Aktivet e Shoqërive të SigurimitTabela 13: Detyrimet e Shoqërive të SigurimitTabela 14: Të Dhëna nga Llogaria TeknikeSigurimi i JetësTabela 15: Aktivet e Shoqërive të Sigurimit të JetësTabela 16: Detyrimet e Shoqërive të Sigurimit të JetësTabela 17: Të dhëna nga Llogaria Teknike: Sigurimi i JetësSigurimi i Jo-JetësTabela 18: Aktivet e Shoqërive të Sigurimit të Jo - JetësTabela 19: Detyrimet e Shoqërive të Sigurimit të Jo - JetësTabela 20: Të Dhëna nga Llogaria Teknike: Sigurimi i Jo - JetësTabela 21: Testet IRISTabela 22: Të Dhëna nga: Llogaria Teknike Sigurimi Aksidente dhe ShëndetiTabela 23: Të Dhëna nga: Llogaria Teknike Sigurimi MotorrikTabela 24: Të Dhëna nga: Llogaria Teknike Sigurimi Motorrik - DMTPL e BrendshmeTabela 25: Të Dhëna nga: Llogaria Teknike Sigurimi Motorrik - Karton JeshilTabela 26: Të Dhëna nga: Llogaria Teknike Sigurimi Motorrik - Sigurimi KufitarTabela 27: Të Dhëna nga: Llogaria Teknike Sigurimi Motorrik - KaskoTabela 28: Të Dhëna nga: Llogaria Teknike Sigurimi Marinë, Aviacion dhe Mallra në TransportTabela 29: Të Dhëna nga: Llogaria Teknike Sigurimi Zjarri dhe Dëme të tjera në PronëTabela 30: Të Dhëna nga: Llogaria Teknike Sigurimi Përgjegjësive të PërgjithshmeTabela 31: Të Dhëna nga: Llogaria Teknike Sigurimi Krediti dhe GaranciaIndeksi i TermaveShënime Sqaruese

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4 T R E G U I S I G U R I M E v E

I N S U R A N c E M A R K E T

A U T o R I T E T I I M b I K ë q Y R J E S F I N A N c I A R E

F I N A N c I A l S U P E R v I S o R Y A U T h o R I T Y5

R A P o R T I I M b I K ë q Y R J E S ‘ 0 8

S U P E R v I S I o N R E P o R T ‘ 0 8

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CONTENTS

IntroductionFinancial State of Insurance Market in AlbaniaTable 1: Key Characteristics of Insurance MarketTable 2: Key Characteristics of Insurance MarketChart 1: Capital Structure by Country of OriginChart 2: Market Share according to Capital DominanceTable 3: Key Characteristics of Insurance MarketChart 3: Trend of Main Rentability Indicators (in %)Table 4: Assets and LiabilitiesTable 5: Total Assets and Liabilities (Life and Non Life)Chart 4: Assets according to Life Companies 31.12.2008Chart 5: Liabilities according to Life Companies 31.12.2008Chart 6: Assets according to Non Life Companies 31.12.2008Chart 7: Liabilities according to Non Life Companies 31.12.2008Table 6: Investment Portfolio of Insurance CompaniesTable 7: Structure of Insurance Companies Investments by Place and Maturity DatesTable 8: Assets Covering Technical ProvisionTable 9: Structure of Assets Covering Technical ProvisionsTable 10: Gross Technical ProvisionsTable 11: Technical Provisions Net of ReinsuranceTable 12: Assets of Insurance CompaniesTable 13: Liabilities of Insurance CompaniesTable 14: Selected Data of Technical AccountLife InsuranceTable 15: Assets of Life Insurance CompaniesTable 16: Liabilities of Life Insurance CompaniesTable 17: Selected Data of Technical Account: Life InsuranceNon Life InsuranceTable 18: Assets of Non Life Insurance CompaniesTable 19: Liabilities of Non Life Insurance CompaniesTable 20: Selected Data of Technical Account: Non Life InsuranceTable 21: Iris TestsTable 22: Selected Data of: Technical Account Accident and Health InsuranceTable 23: Selected Data of: Technical Account Motor InsuranceTable 24: Selected Data of: Technical Account DMTPL InsuranceTable 25: Selected Data of: Technical Account Green Card InsuranceTable 26: Selected Data of: Technical Account Border InsuranceTable 27: Selected Data of: Technical Account Casco InsuranceTable 28: Selected Data of: Technical Account Marine, Aviation and Transport Insurance Table 29: Selected Data of: Technical Account Fire and Other Damage to Property InsuranceTable 30: Selected Data of: Technical Account General Liability InsuranceTable 31: Selected Data of: Technical Account Credit and Suretyship InsuranceIndex of TermsExplanatory Notes







HYRJEViti 2008 ka qenë një vit me zhvillime pozitive në drejtim të përmbushjes së objektivave dhe prioriteteve të AMF-së për forcimin e mbikëqyrjes së tregut të sigurimeve. Përveç përfundimit me sukses të procesit të rritjes së fondit të garancisë në nivelet e kërkuara nga direktivat e BE, prioritet gjatë këtij viti ka qenë puna intensive për ngritjen e një sistemi të Mbikëqyrjes Efektive, i cili do të mbështetet nga një sistem raportimi me baza të dhënash të shumëfishta dhe do të shoqërohet me ndryshimet e nevojshme legjislative. Rezultatet e kësaj pune, pritet të konkretizohen në vitet në vazhdim.

Viti 2008 u karakterizua nga një sërë nismash të rëndësishme ligjore, ku mund të veçohet hartimi i Rregullores nr. 18, datë 27.03.2008 “Për organizimin e testimit për vlerësuesit e dëmeve në sigurime”, e cila përcakton kushtet dhe rregullat e përgjithshme të organizimit të testimit për vlerësuesit e dëmeve në sigurime si dhe hartimi i Udhëzimit nr. 15, datë 22.02.2008 “Për përmbajtjen e raporteve të auditimit mbi shoqëritë e sigurimit nga shoqëritë e eksperteve kontabël të autorizuar”. Gjatë vitit 2008 është draftuar dhe “Projektligji i sigurimit të detyrueshëm”, i cili përbën një nga nismat ligjore më të rëndësishme që janë ndërmarrë në vitet e fundit në këtë treg. Projektligji, pasi është miratuar si draft në Këshillin e Ministrave, më 12 shkurt 2009 u miratua në seancë plenare nga Kuvendi i Shqipërisë dhe ka një shkallë të lartë përafrimi me Direktivat Evropiane.

Në thelb të këtij publikimi është informacioni statistikor-financiar i detajuar dhe tepër i strukturuar. Kështu, përveç testeve IRIS për tregun, të dhënave makro dhe informacionit tekniko-financiar për tregun e Jetës dhe të Jo-Jetës, një vend të rëndësishëm zënë dhe treguesit tekniko-financiarë të disa prej portofoleve me peshë më të rëndësishme, me qëllim analizimin e tendencave në vite. Ky publikim mendohet t’i vijë në ndihmë një numri të konsiderueshëm përdoruesish, duke filluar që nga vetë operatorët e tregut, investitorët e huaj, analistët e ndryshëm dhe deri për qëllime akademike. Raporti i Mbikëqyrjes është produkt i bashkëpunimit të dy drejtorive, përkatësisht Drejtorisë së Kërkimit dhe Statistikës si dhe Drejtorisë së Raportimit dhe Analizës. Shpresojmë, që ky publikim t’i përgjigjet nevojave të publikut të gjerë, për informacion, dhe t’i shërbejë forcimit të mëtejshëm të transparencës në kuadrin e mbikëqyrjes së tregut të sigurimeve.

INTRODUCTION

2008 saw positive developments towards meeting AFSA objectives and priorities in the area of strengthened supervision of the insurance market. In addition to successfully completing the process of increasing guarantee funds to levels required by EU Directives, another priority in 2008 was to work intensively to establish an Effective Supervision System, which will be supported by a reporting system with multiple databases and necessary legislative amendments. The results of those efforts are expected to be materialized in the next few years.

2008 was characterized by a number of significant legislative initiatives, including the drafting of Regulation No 18 of 27 May.2008 “On the Organization of the Examination for Insurance Claim Adjusters”, which defines the general conditions and rules regarding the examination of claims adjusters, and the drafting of Guideline No 15 of 22 February 2008 “On the Contents of Insurance Company Audit Reports Issued by Statutory Audit Firms”. The Mandatory Insurance Law was drafted in 2008. The draft law was one of the most important legal initiatives in this market over the past few years. After it was approved by the Council of Ministers, the law was passed in the Albanian Parliament on 12 February 2009. The new Law has a high degree of concordance with European Directives.

This report focuses on detailed and structured statistical and financial information. In addition to IRIS tests for the market, macro data and technical and financial information on the life and non-life market, an important place is given to the technical and financial indicators of some of the most significant portfolios, which would help assess their trend over time. This publication is intended as a tool for a significant number of users, from market operators to foreign investors to various analysts to academic circles. The Supervision Report is the output of cooperation between the Research and Statistics Directorate and the Reporting and Analysis Directorate. We hope that this publication meets the general public needs for information and contributes to further strengthening the transparency in the context of supervising the insurance market.







Baza e të dhënave dhe metodologjiae përdorur për këtë publikim

Për përgatitjen e tabelave të këtij publikimi janë përdorur pasqyrat financiare vjetore (bilancet, llogaritë fitim-humbje, llogaritë teknike dhe provigjonet teknike të aprovuara nga Bordi i AMF) të shoqërive të sigurimit, të miratuara paraprakisht nga ekspertet kontabël të autorizuar.Shoqëritë e sigurimit janë të detyruara të raportojnë këto pasqyra në bazë të Udhëzimit për listën e dokumenteve të llogaridhënies së detyruar vjetore e periodike të shoqërive të sigurimit e risigurimit, miratuar me vendimin e Bordit të AMF nr 10, datë 08.02.2007. Në publikim janë paraqitur të dhëna të detajuara në lidhje me aktivet, detyrimet, rezultatin teknik të ndarë sipas portofoleve, aktivet në mbulim të provigjoneve, strukturën e provigjoneve teknike, treguesit tekniko-financiarë, të dhëna nga llogaria teknike e portofoleve kryesorë, etj, të ndara edhe sipas llojit të sigurimeve Jetë dhe Jo-Jetë, si dhe për tregun në total. Për të pasur bazë krahasimi dhe për të dhënë tendencën e tregut të sigurimeve në vend janë përdorur të dhëna të viteve 2005, 2006, 2007 dhe 2008.

Misioni i mbikëqyrjes

Mbikëqyrja e tregut financiar jo bankar dhe në veçanti e tregut të sigurimeve, ushtrohet nga Autoriteti i Mbikëqyrjes Financiare, në bazë të Ligjit nr. 9267, datë 29.07.2004 “Për veprimtarinë e sigurimit, të risigurimit dhe ndërmjetësimit në sigurime dhe risigurime” si dhe Ligjit nr. 9572, datë 03.07.2006 “Për Autoritetin e Mbikëqyrjes Financiare”.

Misioni themelor i AMF-së, në zbatim të përgjegjësive ligjore si autoritet mbikëqyrës, është mbrojtja e interesave të konsumatorëve dhe investitorëve, e lidhur ngushtë me sigurinë e operatorëve të mbikëqyrur duke garantuar përmbushjen e dispozitave ligjore.

Në vijim, AMF do të realizojë misionin e vet mbikëqyrës, nëpërmjet përmirësimit të vazhdueshëm të kuadrit rregullativ mbikëqyrës, në përputhje me parimet ndërkombëtare dhe direktivat evropiane, bashkërendimit të analizës së dokumentacionit financiar dhe mbikëqyrjes në vend të tregut, orientimit të procesit të mbikëqyrjes drejt mbikëqyrjes me bazë risku, ndërmarrjes së politikave zhvilluese për tregun, trajnimit të burimeve njerëzore drejt një mbikëqyrjeje efektive.

The data basis and methodology used for this publication

Audited annual financial statements (balance sheets, profit and loss accounts, technical accounts and technical provisions approved by the AFSA Board) of insurance companies were used for the preparation of the tables in this Report.Insurance companies have the obligation to report their financial statements under the Guideline on the List of Statutory Annual and Periodical Documents of Insurance and Reinsurance Companies, adopted with AFSA Board Decision No 10 of 8 February 2007. The Report presents detailed data on assets, liabilities, technical result classified by portfolios, assets covering provisions, the structure of technical provisions, technical and financial indicators, major portfolio technical account, etc., grouped by the type of insurance life and non-life as well as for the overall market. For the purposes of comparison and trend assessment the data cover 2005, 2006, 2007 and 2008.

Supervision mission

The supervision of financial non-banking market and, particularly, the insurance market is conducted by the Financial Supervisory Authority, in accordance with Law No 9267 of 29 July 2004 “On the Activity of Insurance, Reinsurance and Intermediation in Insurance and Reinsurance”, and Law No 9572 of 3 July 2006 “On the Financial Supervisory Authority”.

AFSA fundamental mission is to protect consumers and investors’ interests, which is closely related to the security of supervised operators, thus ensuring legal compliance.

In the future, AFSA is going to fulfil its supervision mission by (i) consistently enhancing the supervision regulatory framework in line with international principles and European Directives, (ii) coordinating the analysis of market financial and supervision documentation in the country, (iii) guiding the supervision process towards risk-based supervision, (iv) undertaking development policies for the market, and (v) training human resources on effective supervision.







Gjendja financiare e tregut të sigurimeve gjatë vitit 2008

Viti 2008 vazhdoi të ruajë tendencën pozitive të zhvillimit dhe qëndrueshmërisë së tregut të sigurimeve.

Autoriteti, në kuadër të krizës financiare globale, ka ndjekur një strategji të kujdesshme për të monitoruar, parandaluar dhe reaguar ndaj efekteve negative të krizës financiare në tregun financiar shqiptar të mbikëqyrur prej tij. Në përputhje me këtë strategji, u ndërmorën hapat e mëposhtëm:

i) analiza e situatës aktuale, duke evidentuar risqet me ekspozim më të lartë ndaj efekteve të krizës ndërkombëtare, duke konsideruar skenarët e mundshëm, si dhe reagimin përkatës;ii) realizimi i takimeve me shoqëritë e sigurimit për të diskutuar për situatën dhe orientuar drejt masave për mbrojtjen ndaj risqeve me ekspozim më të madh;iii) kërkimi i raportimeve më të shpeshta, të detajuara nga tregu dhe institucione të tjera shtetërore, në lidhje me të dhënat financiare, portofolin e investimeve dhe risqet madhore, etj;iv) kryerja e takimeve në kuadër të Grupit të Stabilitetit Financiar, pjesëmarrës të të cilit janë AMF, Ministria e Financave dhe Banka e Shqipërisë, për të marrë në konsideratë situatën dhe koordinimin e aktiviteteve.

Autoriteti i Mbikëqyrjes Financiare, me qëllim vlerësimin e gjendjes financiare të shoqërive të sigurimit, ka ushtruar gjithashtu inspektime në shoqëritë e sigurimit me qëllim:

- verifikimin e aktiveve të shoqërive të sigurimit për vitin 2007 dhe tre mujorin e parë të vitit 2008;- mbulimin e provigjoneve teknike dhe matematike, me aktive, sipas kategorive të përcaktuara në Ligjin nr. 9267, datë 29.07.2004 “Për veprimtarinë e sigurimit, të risigurimit dhe ndërmjetësimit në sigurime dhe risigurime” dhe aktet nënligjore;- vlerësimin e cilësisë së aktiveve dhe nivelin e likuiditetit të tyre;- verifikimin e përgjegjësive të kontraktuara dhe risigurimeve të kryera sipas përcaktimeve të Ligjit nr. 9267, datë 29.07.2004 “Për veprimtarinë e sigurimit, të risigurimit dhe ndërmjetësimit në sigurime dhe risigurime”, si dhe akteve nënligjore në zbatim të tij.

Financial position of the insurance market in 2008

The positive trend of development and stability continued to dominate in the insurance market in 2008.

In the context of the global financial crisis, the Authority implemented a prudent strategy for monitoring, preventing and responding to the negative impacts the financial crisis would have on the Albanian financial market it supervises. Under that strategy, the following steps were taken:

i) an analysis of the current situation, which identifies the high exposure risks to international crisis impacts and considers possible scenarios and responses;ii) meetings with insurance companies on the situation and measures related to higher exposure risk protection;iii) introduction of a requirement for more frequent detailed reporting from the market and other government institutions, in the area of financial data, investment portfolio and major risks;iv) meetings in the framework of the Financial Stability Group, with the participation of AFSA, Albanian Ministry of Finance and Bank of Albania, to take stock of the situation and coordinate activities.

In order to assess the financial position of insurance companies, the Financial Supervision Authority also carried out inspections of insurance companies, with the goal to:

- Verify insurance company assets for 2007 and the first quarter of 2008;- Assess the asset coverage of technical and mathematical provisions as per the categories specified in Law No 9267 of 29 July 2004 “On the Activity of Insurance, Reinsurance and Intermediation in Insurance and Reinsurance”, and the relevant implementation legislation;- Assess the quality of assets and their liquidity;- Verify contractual liabilities and outwards reinsurance in accordance with Law No 9267 of 29 July 2004 “On the Activity of Insurance, Reinsurance and Intermediation in Insurance and Reinsurance”, and its implementation legislation.







Inspektimi në vend i shoqërive të sigurimit ka siguruar një informacion tepër të nevojshëm, i cili shërbeu si bazë për analizën e gjendjes financiare të shoqërive të sigurimit. AMF gjatë vitit 2008 ka mbajtur një komunikim të vazhdueshëm me sistemin bankar nëpërmjet Bankës së Shqipërisë, për të kërkuar që çdo lëvizje e depozitave qëllimore të destinuara për fondin e garancisë duhet të kryhet vetëm duke marrë më parë miratimin e Autoritetit. Rezultatet e këtij bashkëpunimi kanë qenë pozitive, duke e rritur ndjeshëm cilësinë e informacionit dhe të monitorimit të këtij procesi. Aktualisht, shoqëritë e sigurimit zotërojnë fondin e garancisë të investuar në “depozita qëllimore”, me afat të paktën 1-vjeçar, pranë bankave të nivelit të dytë dhe bono thesari, sipas kërkesave të ligjit.

Në kuadër të marrjes dhe kryqëzimit të informacionit të nevojshëm për ushtrimin e mbikëqyrjes, një bashkëpunim i suksesshëm ka rezultuar dhe me Drejtorinë e Përgjithshme të Doganave dhe Zyrën e regjistrimit të Pasurive të Paluajtshme.

Gjendja financiare e tregut të sigurimeve vazhdon të paraqitet e mirë, me ecuri të kënaqshme të treguesve të rentabilitetit (RoE*, RoA*), përmirësim të aftësive të tregut të sigurimeve për të mbuluar me kapital humbjet e mundshme nga përgjegjësitë e kontraktuara si rrjedhojë e rritjes së kapitalit minimal në formën e fondit të garancisë, mjaftueshmëri kapitali mbi nivelin minimal të përcaktuar nga legjislacioni në fuqi në masën 181%, si dhe aktive të mjaftueshme për mbulimin e përgjegjësive ndaj policëmbajtësve për aktivitetin e Jetës dhe të Jo-Jetës, përkatësisht në masën 213.99% dhe 108.15%. Aftësia paguese e tregut pati një rritje me 0.87 miliardë lekë nga 4.46 miliardë lekë në vitin 2007, duke arritur në 5.3 miliardë lekë në vitin 2008, duke ruajtur ndikimin pozitiv në rritjen e kapacitetit mbajtës dhe investues të tregut dhe duke ndikuar në rritjen e cilësisë së marrëveshjeve të risigurimit. Raporti i aftësisë paguese është në nivele të larta, rreth 424.48% në nivel tregu, përllogaritur sipas metodës me bazë primet.Gjatë vitit 2008, aktivet e tregut të sigurimeve u rritën me 2.17 miliardë lekë ose 16.21%. Rritja vlerësohet rreth 0.26 miliardë lekë më e lartë se ajo e vitit 2007. Kjo është e reflektuar kryesisht në rritjen e aktiveve likuide me rreth 10.63%, ose me 0.79 miliardë lekë, krahasuar me fund vitin 2007. Në fund të vitit 2008, kapitalet e veta të tregut arritën në 8.8 miliardë lekë, çka shënoi rritje me 1.9 miliardë lekë ose 27.44% krahasuar me vitin 2007.

On-site inspection of insurance companies provided indispensable information, which formed the basis for the analysis of the financial position of insurance companies. AFSA had constant communication with the banking system through the Bank of Albania in 2008, requiring that special deposits allocated to the guarantee fund be made only upon Authority’s prior approval. Such cooperation gave positive results, thus significantly increasing the quality of information and monitoring of the process. Currently, insurance companies own the guarantee fund invested in “special deposits” that are at least one-year deposits with commercial banks and Treasury Bills in accordance with the law.

In the context of receiving and cross-checking the information required for the supervision, AFSA had successful cooperation with the Directorate General of Customs and the Immovable Property Registration Office.

The financial position of the insurance market continued to be good, with satisfactory performance of financial indicators (RoE*, RoA*), improved capacity to cover losses deriving from contractual liabilities with capital as a result of increased minimum capital requirement in the form of the guarantee fund, capital adequacy over the statutory level at 181%, and adequate assets for covering liabilities to life andnon-life policyholders at 213.99% and 108.15%, respectively. Market solvency increased by ALL 0.87 billion, from ALL 4.46 billion in 2007, reaching the amount of ALL 5.3 billion in 2008, and maintaining its positive impact on the market holding and investing capacity and on the quality of reinsurance agreements. The overall market solvency ratio is very high, at about 424.48%, as estimated with the premium-based method.

In 2008, insurance market assets increased by ALL 2.17 billion (16.21%). The 2008 rise was about ALL 0.26 billion higher than the rise in 2007. This was mainly reflected in the increase in liquid assets by about 10.63% (ALL 0.79 billion) compared with the end of 2007. At the end of 2008, market equity reached the amount of ALL 8.8 million, ALL 1.9 billion or 27.44% higher than 2007. If compared with 2006, the increase was about ALL 3.3 billion (59.5%). The net profit in the insurance market in 2008 was ALL 0.88 billion, 19.81% higher than the corresponding ALL 0.73 billion for 2007.







Ndërkohë, krahasuar me fundin e vitit 2006, rritja paraqitet rreth 3.3 miliardë lekë ose 59.5%. Rezultati financiar neto i tregut të sigurimeve për vitin 2008, kapi shifrën 0.88 miliardë lekë, vlerë kjo 19.81% më e lartë se 0.73 miliardë lekë, që i takonte vitit 2007. Si tregu i sigurimeve të Jetës dhe ai i Jo-Jetës vazhdojnë të shënojnë rezultate teknike pozitive, përkatësisht në vlerat 160.9 milion lekë dhe 266.9 milion lekë. Niveli ende i ulët i raportit të primeve të shkruara bruto ndaj PBB në masën 0.65%, vazhdon të përforcojë pritshmëritë, se tregu shqiptar i sigurimeve paraqet potencial të madh për zhvillim të mëtejshëm.

Në kuadrin e punës së Autoritetit për ngritjen e një tregu financiar të stabilizuar dhe në kuadrin e projektit të Autoritetit në bashkëpunim me Bankën Botërore, me synim një mbikëqyrje më efektive, gjatë vitit 2008 ka vazhduar të zbatohet sistemi i paralajmërimit të hershëm. Kështu, në analizën e gjendjes financiare të sektorit të sigurimeve, përdoren edhe treguesit e sistemit IRIS (Sistemi Informativ Rregullativ i Sigurimeve), të përshtatura për shoqëritë e sigurimit të Jo-Jetës në Shqipëri. Këta tregues financiarë i shërbejnë evidentimit në kohën e duhur të problemeve që mund të çojnë në përkeqësimin e një ose disa parametrave të operatorëve në treg.

Në kuadrin e analizimit të këtyre treguesve, problematik vazhdon të jetë raporti i ulët dëme/prime dhe raporti i lartë i shpenzimeve për shoqëritë e Jo-Jetës, përkatësisht në masën 26.94% dhe 67.12%. Nisur nga kjo situatë e përsëritur në treg, AMF gjatë vitit 2008 kreu një sërë inspektimesh në vend, të fokusuara kryesisht në verifikimin e procedurave të ndjekura nga shoqëritë e sigurimit në procesin e pranimit, trajtimit, vlerësimit dhe pagesës së dëmeve në përputhje me aktet ligjore e nënligjore në fuqi. Pjesë e këtij procesi ishte edhe verifikimi i mënyrës së funksionimit të sistemit të trajtimit të ankesave dhe procedurat e ndjekura për trajtimin dhe zgjidhjen e tyre, në zbatim të udhëzimit të Ministrit të Financave nr. 24, datë 15.11.2007 “Mbi trajtimin e dëmeve të mbuluara nga kontrata e sigurimit të detyrueshëm të mbajtësve të mjeteve motorike për përgjegjësinë ndaj palëve të treta”. Problematika, gjetjet apo mangësitë e konstatuara nga inspektimi, janë shoqëruar me një sërë vendimesh nga Bordi i AMF-së, që kishin të bënin kryesisht në marrjen e masave korrektive apo vendosjen e sanksioneve ndaj shoqërive të sigurimit, si dhe me dhënien e rekomandimeve, me qëllim përmirësimin e procesit të vlerësimit dhe administrimit të dëmeve.

Both life and non-life insurance markets continued to have positive technical results, at ALL 160.9 million and ALL 266.9 million, respectively. The low ratio of gross written premiums over GDP (0.65%) continues to support the expectation that the Albanian insurance market has a great potential for further development.

In the context of the Authority efforts for establishing a stable financial market and in the framework of the project in cooperation with the World Bank, the early warning system continued to be implemented in 2008 with the goal to have more effective supervision. So, the analysis of the financial position of the insurance sector also uses Insurance Regulatory Information System (IRIS) indicators, which have been adapted to non-life insurance in Albania. IRIS financial indicators contribute to the timely identification of issues that may lead to the deterioration of one or several parameters of market operators.

In the context of analysing those indicators, one major issue continued to be the low claims ratio and the high expense ratio for non-life insurance companies (26.94% and 67.12%, respectively). Based on this persisting situation in the market, AFSA carried out a number of onsite inspections in 2008, which mainly focused on verifying the procedures that insurance companies follow to admit, treat, adjust and pay out claims in accordance with the laws and regulations in power. That also included the verification of the operation of the grievance system and the procedures followed to address complaints under the Minister of Finance Guideline No 24 of 15 November 2007 “On the Adjustment of Claims Covered by Compulsory Third Party Liability Vehicle Owner’s Insurance”. Issues, findings or shortcomings observed during the inspections were addressed with a number of AFSA Board decisions, which were mainly related to taking corrective measures or imposing sanctions against insurance companies and providing recommendations to improve the claims adjustment and administration process.







Ndryshimi (në %)Të dhëna Item Change (in %)

Periudha Ushtrimore / Accounting Period 2007 2008 `08/`07

Totali i aktiveve / Total assets 13,360,051 15,525,533 16.21

1,401,452 1,840,794 31.35 Jeta / Life

11,958,599 13,684,739 14.43 Jo - Jeta / Non Life

Jeta / Life

Jo - Jeta / Non Life

Jeta / Life


Jeta / Life


Jeta / Life


Jeta / Life


Jeta / Life


Totali i investimeve / Total investments 9,254,637 9,463,007 2.25

1,070,722 1,389,038 29.73

-14.01

-15.40

-1.34

-14.66

-16.11

8,183,915 8,073,969

Provigjonet teknike bruto / Gross technical provisions 5,929,453 5,098,635

227,499 232,624 2.25

5,701,954 4,866,012

205,211 205,734 0.25

4,510,881 3,783,961

360,961 497,780 37.30

7,304,391 5,262,392 -27.96

Totali i kapitalit / Total of own funds 6,956,169 8,864,646 27.44

1,247,415 1,541,294 23.56

5,708,754 7,323,352 28.28

Totali i kapitalit të nënshkruar / Total subscribed capital 5,190,996 6,031,862 16.20

Jeta / Life


1,000,634 1,248,000 24.72

4,190,362 4,783,862 14.16

25.48

21.47

26.24

Totali i investimeve të huaja / Total of foreign investments 2,378,498 2,984,489

379,099 460,506

1,999,399 2,523,983

-24.85

Vlera (në mijë Lekë)Value (in thousand Leks)

Provigjonet teknike neto Technical provisions net of reinsurance

Totali i aktiveve në mbulim të provigjoneve teknike Total assets that cover technical provisions

4,716,092 3,989,694

7,665,351 5,760,172

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Tabela 1: Disa Karakteristika mbi Tregun e SigurimeveTable 1: Key Characteristics of Insurance Market







Ndryshimi (në %)Të dhëna Item Change (in %)

Periudha Ushtrimore / Accounting Period 2007 2008 `08/`07

Jeta / Life


Jeta / Life


Jeta / Life


Jeta / Life


Jeta / Life


Jeta / Life


Jeta / Life


Jeta / Life


Jeta / Life


Jeta / Life


Vlera (në mijë Lekë)Value (in thousand Leks)

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Primet e shkruara bruto / Gross written premiums 5,947,978 7,076,448 18.97

409,904 515,203 25.69

5,538,075 6,561,245 18.48

Primi i fituar neto / Net earned premium 4,704,950 5,543,350 17.82

357,023 459,630 28.74

4,347,927 5,083,720 16.92

Dëmet e paguara bruto / Gross claims paid 1,293,766 1,571,075 21.43

44,037 45,149 2.52

1,249,728 1,525,926 22.10

Shpenzimet e marrjes në sigurim / Acquisition costs 782,565 1,261,469 61.20

62,579 88,084 40.76

719,986 1,173,385 62.97

Shpenzimet administrative / Administrative expenses 2,067,826 2,482,764 20.07

141,336 154,919 9.61

1,926,490 2,327,846 20.83

Shpenzimet për investime / Investment expenses 152,764 41,237

13,965 - -100.00

-73.01

-35.21

-70.29

-50.63

138,800 41,237

Të ardhurat në total / Total income 5,181,477 6,231,167 20.26

412,560 571,307 38.48

4,768,917 5,659,861 18.68

Shpenzimet në total / Total expenses 4,221,001 5,169,276 22.47

251,323 300,242 19.46

3,969,678 4,869,034 22.66

Rezultati financiar neto / Net financial result 732,827 878,024 19.81

138,750 240,745 73.51

594,078 637,279 7.27

Rezultati teknik / Technical result 660,465 427,926

119,770 160,988 34.41

540,696 266,938








SHQIPËRI / ALBANIA 66%AUSTRI / AUSTRIA

18%

GREQI / GREECE3%

IFC & EBRD13%

I Brendshëm / Domestic

81%

I Huaj / Foreign19%

SHQIPËRI / ALBANIA 66%AUSTRI / AUSTRIA

18%

GREQI / GREECE3%

IFC & EBRD13%

I Brendshëm / Domestic

81%

I Huaj / Foreign19%

Grafik 1: Struktura e Kapitalit sipas Vendit të OrigjinësChart 1: Capital Structure by Country of Origin

Grafik 2: Ndarja e Tregut sipas Dominimit të KapitalitChart 2: Market Share according to Capital Dominance







6.25RoA, 5.91

6.08

13.23RoE, 11.71

11.1

0

5

10

15

20

25

2006 2007 2008

RoA RoE

Raporti i primeve të shkruara ndaj PBB (në %)Gross written premiums ratio to GDP (in %)

Totali i aktiveve ndaj PPB (në %)Total of assets to GDP (in %)

Treguesit kryesorë të rentabilitetit (në %)Main Indicators of Rentability (in %)

RoA 6.25 5.91 6.08 RoE 13.23 11.71 11.10

0.61 0.65

1.28 1.36 1.42

0.51

Të dhëna / Item

Periudha Ushtrimore / Accounting Period 20072006 2008

* Treguesit janë llogaritur mbi vlerat mesatare të aktiveve dhe kapitalit për dy vite.* Ratios are calculated based on two year averages of assets and equity.

6.25RoA, 5.91

6.08

13.23RoE, 11.71

11.1

0

5

10

15

20

25

2006 2007 2008

RoA RoE

Raporti i primeve të shkruara ndaj PBB (në %)Gross written premiums ratio to GDP (in %)

Totali i aktiveve ndaj PPB (në %)Total of assets to GDP (in %)

Treguesit kryesorë të rentabilitetit (në %)Main Indicators of Rentability (in %)

RoA 6.25 5.91 6.08 RoE 13.23 11.71 11.10

0.61 0.65

1.28 1.36 1.42

0.51

Të dhëna / Item

Periudha Ushtrimore / Accounting Period 20072006 2008

* Treguesit janë llogaritur mbi vlerat mesatare të aktiveve dhe kapitalit për dy vite.* Ratios are calculated based on two year averages of assets and equity.


Grafik 3: Trendi i Treguesve Kryesorë të Rentabilitetit (në %)Chart 3: Trend of Main Rentability Indicators (in %)







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DinamikaTë Dhëna nga Pasqyrat Financiare (në %)Balance - Sheet Item Dynamics (in %)

01.01.'08 31.12.'08 01'08-'12'08 01.01.'08 31.12.'08

A. Të Patrupëzuara / Intangible assets 25,277 16,387 0.19 0.11

B. Investime / Investments 9,254,637 9,463,007 2.25 69.27 60.95 C. Pjesa e provigj. teknik të risigurimit

Reinsurance share of technical provisions 1,213,361 1,108,941 9.08 7.14

D. Debitorët / Receivables 1,395,923 1,324,161 10.45 8.53

E. Aktive të tjera / Other assets 1,259,350 3,428,515 172.24 9.43 22.08

F. Parapagime dhe të ardhura të llogaritura Prepayments and accrued income

211,503 184,522 1.58 1.19

TOTALI I AKTIVEVE / TOTAL ASSETS 13,360,051 15,525,533 16.21 100.00 100.00

A. Kapitalet e veta / Capital and reserves 6,956,169 8,864,646 27.44 52.07 57.10 B. Hua të varura / Subordinated liabilities 1,521 63,138 4,051.99

-12.76

-5.14

-8.61

-35.17

-14.01

-59.03

-79.96

-636.108 -106.57 -4.76

0.01 0.41C. Provigjonet teknike / Technical provisions 5,929,453 5,098,635 44.38 32.84 D. Provigjone për shpenzime dhe rreziqe

Provision for risk and charges495,825 203,158 3.71 1.31

E. Kreditorët / Creditors 549,662 1,241,453 125.86 4.11 8.00 F. Të ardhura të marra në avancë

Accruals and deferred income63,530 12,734 0.48 0.08

G. Pasive të tjera / Other liabilities 41,769 0.27

TOTALI I PASIVIT / TOTAL LIABILITIES 13,360,051 15,525,533 16.21 100.00 100.00

Pasivi / Lialilities

Vlera (në mijë Lekë) Pjesa ndaj Totalit (në %)Value (in thousand Leks) Share in Total Value

Aktive / Assets

(in %)

-

2,000

4,000

6,000

8,000

10,000

A B C D E F

Aktivet / Assets

01.01.'08 31.12.'08

(1,000)

4,000

9,000

14,000

A B C D E F G

Pasivi / Liabilities

01.01.'08 31.12.'08

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01.01.'08 31.12.'08 01'08-'12'08 01.01.'08 31.12.'08







211,503 184,522 1.58 1.19



-12.76

-5.14

-8.61

-35.17

-14.01

-59.03

-79.96

-636.108 -106.57 -4.76









Aktive / Assets

(in %)

-

2,000

4,000

6,000

8,000

10,000

A B C D E F

Aktivet / Assets

01.01.'08 31.12.'08

(1,000)

4,000

9,000

14,000

A B C D E F G


01.01.'08 31.12.'08

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01.01.'08 31.12.'08 01'08-'12'08 01.01.'08 31.12.'08







211,503 184,522 1.58 1.19



-12.76

-5.14

-8.61

-35.17

-14.01

-59.03

-79.96

-636.108 -106.57 -4.76









Aktive / Assets

(in %)

-

2,000

4,000

6,000

8,000

10,000

A B C D E F

Aktivet / Assets

01.01.'08 31.12.'08

(1,000)

4,000

9,000

14,000

A B C D E F G


01.01.'08 31.12.'08

Tabela 4: Aktivi dhe Pasivi Table 4: Assets and Liabilities







Tabela 5: Aktivi dhe Pasivi i Tregut (Jetë dhe Jo - Jetë) Table 5: Total Assets and Liabilities (Life and Non Life)

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01.01.'08 31.12.'08 01'08-'12'08 01.01.'08 31.12.'08

A. Kapitalet e veta / Capital and reservesB. Hua të varura / Subordinated liabilitiesC. Provigjonet teknike / Technical provisionsD. Provigjone për shpenzime dhe rreziqe

Provision for risk and chargesE. Kreditorët / CreditorsF. Të ardhura të marra në avancë

Accruals and deferred incomeG. Pasive të tjera / Other liabilities

TOTALI I PASIVIT / TOTAL LIABILITIES

A. Kapitalet e veta / Capital and reservesB. Hua të varura / Subordinated liabilitiesC. Provigjonet teknike / Technical provisionsD. Provigjone për shpenzime dhe rreziqe

Provision for risk and chargesE. Kreditorët / CreditorsF. Të ardhura të marra në avancë

Accruals and deferred incomeG. Pasive të tjera / Other liabilities





Aktive / Assets

Aktive / Assets

(in %)

1,247,415 1,541,294 23.56 89.01 83.73 - - -

-90.69

-21.74

-63.92

-100.00

-33.04 -1.34

-9.15

-1.42

-24.33

-15.40

-59.72

-100.00

- - 227,499 232,624 2.25 16.23 12.64

55,376 5,157 3.95 0.28

71,950 56,311 5.13 3.06

14,989 5,408 1.07 0.29

- -215,776 -

1,401,452 1,840,794 31.35 100.00 100.00

24,473 16,387 0.20 0.12 8,183,915 8,073,969 68.44 59.00

1,191,073 1,082,051 9.96 7.91

1,306,819 1,288,268 10.93 9.41 1,072,568 3,088,045 187.91 8.97 22.57

179,752 136,018 1.50 0.99

11,958,599 13,684,739 14.43 100.00 100.00

5,708,754 7,323,352 28.28 47.74 53.51 1,521 63,138 4,051.99 0.01 0.46 5,701,954 4,866,012 -14.66 47.68 35.56

440,450 198,001 -55.05 3.68 1.45

477,712 1,185,142 148.09 3.99 8.66

48,540 7,326 -84.91 0.41 0.05

-420,331 41,769 -109.94 -3.51 0.31

11,958,599 13,684,739 14.43 100.00 100.00

A. Të Patrupëzuara / Intangible assets 804 - 0.06 - B. Investime / Investments 1,070,722 1,389,038 29.73 76.40 75.46 C. Pjesa e provigj.teknik të risigurimit

Reinsurance share of technical provisions 22,288 26,890 20.65 1.59 1.46

D. Debitorët / Receivables 89,105 35,893 6.36 1.95 E. Aktive të tjera / Other assets 186,782 340,470 82.28 13.33 18.50 F. Parapagime dhe të ardhura të llogaritura

Prepayments and accrued income 31,751 48,503 52.76 2.27 2.63

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A. Të Patrupëzuara / Intangible assetsB. Investime / InvestmentsC. Pjesa e provigj.teknik të risigurimit

Reinsurance share of technical provisions

D. Debitorët / ReceivablesE. Aktive të tjera / Other assets F. Parapagime dhe të ardhura të llogaritura

Prepayments and accrued income

TOTALI I AKTIVEVE / TOTAL ASSETS


1,401,452 1,840,794 31.35 100.00 100.00

Sigurimi i Jetës / Life Insurance

Sigurimi i Jo - Jetës / Non Life Insurance













B 75.46%

C1.46%

D 1.95%

E 18.50%

F 2.63%

A 83.73%

C 12.64%

D 0.28%

E 3.06% F

0.29%

A 0.12%

B 59.00%C

7.91%

D 9.41%

E 22.57%

F 0.99%

E F

0.05%G

0.31%

A53.51%

B0.46%

C35.56%

D1.45%

8.66%

B 75.46%

C1.46%

D 1.95%

E 18.50%

F 2.63%

A 83.73%

C 12.64%

D 0.28%

E 3.06% F

0.29%

A 0.12%

B 59.00%C

7.91%

D 9.41%

E 22.57%

F 0.99%

E F

0.05%G

0.31%

A53.51%

B0.46%

C35.56%

D1.45%

8.66%

B 75.46%

C1.46%

D 1.95%

E 18.50%

F 2.63%

A 83.73%

C 12.64%

D 0.28%

E 3.06% F

0.29%

A 0.12%

B 59.00%C

7.91%

D 9.41%

E 22.57%

F 0.99%

E F

0.05%G

0.31%

A53.51%

B0.46%

C35.56%

D1.45%

8.66%

B 75.46%

C1.46%

D 1.95%

E 18.50%

F 2.63%

A 83.73%

C 12.64%

D 0.28%

E 3.06% F

0.29%

A 0.12%

B 59.00%C

7.91%

D 9.41%

E 22.57%

F 0.99%

E F

0.05%G

0.31%

A53.51%

B0.46%

C35.56%

D1.45%

8.66%

Grafik 4: Aktivet sipas Shoqërive të Jetës 31.12.2008Chart 4: Assets according to Life Companies 31.12.2008

Grafik 6: Aktivet sipas Shoqërive të Jo - Jetës 31.12.2008Chart 6: Assets according to Non Life Companies 31.12.2008

Grafik 5: Pasivi sipas Shoqërive të Jetës 31.12.2008Chart 5: Liabilities according to Life Companies 31.12.2008

Grafik 7: Pasivi sipas Shoqërive të Jo - Jetës 31.12.2008Chart 7:Liabilities according to Non Life Companies 31.12.2008

A - Të Patrupëzuara / Intangible assetsB - Investime / InvestmentsC - Pjesa e provigj.teknik të risigurimit Reinsurance share of technical provisionsD - Debitorët / RecelvablesE - Aktivitete të tjera / Other assetsF - Parapagime dhe të ardhura të llogaritura Prepayments and accrued income

AKTIVI / ASSETSA - Kapitalet e veta / Capital and reserves

B - Hua të varura / Subordinated liabilities

C - Provigjonet teknike / Technical provisions

D - Provigjone për shpenzime dhe reziqe Provision for riskand charges

E - Kreditorët / Creditors

F - Të ardhura të marra në avancë Accruals and deferred income

G - Pasive të tjera / Other liabilities

PASIVI / LIABILITIES







Tabela 6: Portofoli i Investimeve të Shoqërive të Sigurimit Table 6: Investment Portfolio of Insurance Companies

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Dinamika(në %)

Të Dhëna nga Pasqyrat FinanciareBalance - Sheet Item

Dynamics(in %)

01.01.'08 31.12.'08 01'07-'12'08 01.01.'08 31.12.'08

Vlera(në mijë Lekë)

Pjesa ndajTotalit (në %)

Value(in thousand Leks)

Share in TotalValue (in %)

Ndyshimi iInvestimeve

më 31.12.2007 Investments

Changes as of

31.12.'08

Letra me vlerë të qeverisë Government securities 300,523 416,278 38.52 28.07 29.97 115,754

Depozita / Bank deposits 704,710 741,550 5.23 65.82 53.39 36,840

Toka dhe ndërtime / Land and buildings 16,531 18,996 14.91 1.54 1.37 2,465

Investime në sipërmarje të kontrolluara Investments in subordinated undertakings

Investments in subordinated undertakings

- - - - - -

Të tjera aksione dhe interesa pjesëmarrëse Other shares and participating interest

48,958 212,214 333.46 4.57 15.28 163,256

Hua të garantuara me hipoteka Mortgage loans - - - - - -

Të tjera / Others - - - - - -

TOTALI I INVESTIMEVE / TOTAL INVESTMENTS 1,070,722 1,389,038 29.73 100.00 100.00 318,316

Letra me vlerë të qeverisë Government securities

1,599,224 1,312,990 19.54 16.26

Depozita / Bank Deposits 4,158,706 3,652,887 50.82 45.24

Toka dhe ndërtime / Land and buildings 1,293,209 1,600,700 23.78 15.80 19.83 307,491

Investime në sipërmarje të kontrolluara 568,310 598,639 5.34 6.94 7.41 30,329

Të tjera aksione dhe interesa pjesëmarrëse Other shares and participating interest

301,943 527,679 74.76 3.69 6.54 225,736

Hua të garantuara me hipoteka Mortgage loans 9,041 4,177 0.11 0.05

Të tjera / Others 253,481 376,897 -

-1.34

-53.81

-12.16

-17.90 -286,234

-505,819

-4,865

-109,945

3.10 4.67 123,416

TOTALI I INVESTIMEVE / TOTAL INVESTMENTS 8,183,915 8,073,969 100.00 100.00

Shoqëritë e Sigurimit të Jetës / Life Insurers

Investime / Investments

Shoqëritë e Sigurimit të Jo - Jetës / Non Life Insurers

Tabela 7: Struktura e Investimeve të Shoqërive të Sigurimit sipas Vendit dhe Datave të Maturimit Table 7: Structure of Insurance Companies Investments by Place and Maturity Dates

Tabela 8: Aktivet në Mbulim të Provigjoneve TeknikeTable 8: Assets Covering Technical Provision

Tabela 9: Struktura e Aktiveve në Mbulim të Provigjoneve TeknikeTable 9: Structure of Assets Covering Technical Provisions

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Përshkrimi

Specification

01.01.'08 31.12.2008 01.01.'08 31.12.2008

Investime brenda territorit të R.SH Domestic investments 100.00 100.00 88.69 82.67

Investime jashtë territorit të R.SH Foreign investments

Investime likuide / Liquid investments 93.88 83.35 70.36 61.50

Investime të tjera / Other investments 6.12 16.65 29.64 38.50

Investime sipas Vendit / Investments by Place

- - 11.31 17.33 14.57

31.12.2008

15.71

Jeta (në %) Jo - Jeta (në %) Totali (në %)Non Life (in %)Life (in %)

84.29

Total (in %)

85.43

000 lekë /ALL

Aktivet në Mbulim tëProvigjoneve Teknike

(në Mijë Lekë)

Aktivet ndajProvigjone Teknike

Bruto (në %)Provigjone Teknike

Bruto (në mijë Lekë)

PërshkrimiSpecification

Gross Technical Provision(in thousand Leks)

Assets to GrossTechnical

Provision (in %)

Assets CoveringTechnical Provision(in Thousand Leks)

Jeta / Life 232,624 497,780 213.99 Jo - Jeta / Non Life 4,866,012 5,262,392 108.15

TOTALI / TOTAL 5,098,635 5,760,172 112.97

Sigurimi i Jetës (në %) Sigurimi i Jo - Jetës (në %) Totali (në %)PërshkrimiSpecification Life Insurance (in %) Non Life Insurance (in %) Total (in %)


35.41 8.16 10.52

Depozita / Bank Deposits 46.81 41.98 42.40Toka dhe ndërtime / Land and buildings 3.82 12.85 12.07Investime në sipërmarje të kontrolluara Investments in subordinated undertakings - - -

Të tjera aksione dhe interesa pjesëmarrëse Other shares and participating interest -

0.58 0.53

Hua të garantuara me hipoteka Mortgage loans -

0.08 0.07

Debitorët / Receivables 2.41 6.09 5.77Aktive të risigurimit / Reinsurance assets 5.40 20.56 19.25

Aktive të tjera / Other assets 6.15 9.70 9.39

TOTALI / TOTAL 100.00 100.00 100.00

31.12.2008

31.12.2008

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000 lekë /ALL

Aktivet në Mbulim tëProvigjoneve Teknike

(në Mijë Lekë)

Aktivet ndajProvigjone Teknike

Bruto (në %)Provigjone Teknike

Bruto (në mijë Lekë)

PërshkrimiSpecification

Gross Technical Provision(in thousand Leks)

Assets to GrossTechnical

Provision (in %)

Assets CoveringTechnical Provision(in Thousand Leks)

Jeta / Life 232,624 497,780 213.99 Jo - Jeta / Non Life 4,866,012 5,262,392 108.15

TOTALI / TOTAL 5,098,635 5,760,172 112.97

Sigurimi i Jetës (në %) Sigurimi i Jo - Jetës (në %) Totali (në %)PërshkrimiSpecification Life Insurance (in %) Non Life Insurance (in %) Total (in %)


35.41 8.16 10.52

Depozita / Bank Deposits 46.81 41.98 42.40Toka dhe ndërtime / Land and buildings 3.82 12.85 12.07Investime në sipërmarje të kontrolluara Investments in subordinated undertakings - - -

Të tjera aksione dhe interesa pjesëmarrëse Other shares and participating interest -

0.58 0.53

Hua të garantuara me hipoteka Mortgage loans -

0.08 0.07

Debitorët / Receivables 2.41 6.09 5.77Aktive të risigurimit / Reinsurance assets 5.40 20.56 19.25

Aktive të tjera / Other assets 6.15 9.70 9.39

TOTALI / TOTAL 100.00 100.00 100.00

31.12.2008

31.12.2008

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Tabela 10: Provigjone Teknike Bruto Table 10: Gross Technical Provisions

Tabela 11: Provigjone Teknike Neto Table 11: Technical Provisions Net of Reinsurance

Dinamika Dinamika Dinamika(në %) (në %) (në %)Përshkrimi

Dynamics Dynamics DynamicsSpecification(in %) (in %) (in %)

01.01.'08 31.12.'08 01'07-12'08 01.01.'08 31.12.'08 01'07-12'08 01.01.'08 31.12.'08 01'07-12'08

Provigjone për primin e pafituar dhe rriskun e paskaduar Provision for unearned premiums and unexpired risk - - 0.00 1,893,653 2,204,050 16.39 1,893,653 2,204,050 16.39

Provigjone për sigurimin e jetës Life insurance provision 174,651 201,643 15.45 - - -

-5.47

-14.66

174,651 201,643 15.45

Provigjone për dëmet e pezull. Provision for claims outstanding 17,848 30,981 73.58 2,807,667 2,653,961 2,825,516 2,684,943 Provigjone barazimi Equalization provision 35,000 - 138,977 - 173,977 - -100.00

-4.98

-100.00 -100.00

-99.07 -99.07

-14.01

Të tjera provigjone Other provision - - - 861,656 8,000 861,656 8,000

TOTALI / TOTAL 227,499 232,624 2.25 5,701,954 4,866,012 5,929,453 5,098,635

Provigjone për primin e pafituar dhe rriskun e paskaduar Provision for unearned premiums and unexpired risk - - - 1,705,755 1,838,270 7.77 1,705,755 1,838,270 7.77


-99.07 -99.07

-16.11

152,363 174,753 14.70

Provigjone për dëmet e pezull. Provision for claims outstanding 17,848 30,981 73.58 1,804,493 1,937,691 7.38 1,822,341 1,968,672 8.03 Provigjone barazimi Equalization provision 35,000 - 138,977 - 173,977 -

-15.40

Të tjera provigjone Other provision - - -

-100.00 -100.00 -100.00

861,656 8,000 861,656 8,000

TOTALI / TOTAL 205,211 205,734 0.25 4,510,881 3,783,961 4,716,092 3,989,694

Value Value(Në mijë Lekë)

Value

Jeta / Life Jo - Jeta / Non Life Totali / Total

Vlera Vlera(Në mijë Lekë)

(in thousand Leks)(in thousand Leks) (in thousand Leks)

(Në mijë Lekë)Vlera



01.01.'08 31.12.'08 01'07-12'08 01.01.'08 31.12.'08 01'07-12'08 01.01.'08 31.12.'08 01'07-12'08


Value





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01.01.'08 31.12.'08 01'07-12'08 01.01.'08 31.12.'08 01'07-12'08 01.01.'08 31.12.'08 01'07-12'08

Provigjone për primin e pafituar dhe rriskun e paskaduar Provision for unearned premiums and unexpired risk - - 0.00 1,893,653 2,204,050 16.39 1,893,653 2,204,050 16.39


-5.47

-14.66

174,651 201,643 15.45

Provigjone për dëmet e pezull. Provision for claims outstanding 17,848 30,981 73.58 2,807,667 2,653,961 2,825,516 2,684,943 Provigjone barazimi Equalization provision 35,000 - 138,977 - 173,977 - -100.00

-4.98

-100.00 -100.00

-99.07 -99.07

-14.01

Të tjera provigjone Other provision - - - 861,656 8,000 861,656 8,000

TOTALI / TOTAL 227,499 232,624 2.25 5,701,954 4,866,012 5,929,453 5,098,635

Provigjone për primin e pafituar dhe rriskun e paskaduar Provision for unearned premiums and unexpired risk - - - 1,705,755 1,838,270 7.77 1,705,755 1,838,270 7.77


-99.07 -99.07

-16.11

152,363 174,753 14.70

Provigjone për dëmet e pezull. Provision for claims outstanding 17,848 30,981 73.58 1,804,493 1,937,691 7.38 1,822,341 1,968,672 8.03 Provigjone barazimi Equalization provision 35,000 - 138,977 - 173,977 -

-15.40

Të tjera provigjone Other provision - - -

-100.00 -100.00 -100.00

861,656 8,000 861,656 8,000

TOTALI / TOTAL 205,211 205,734 0.25 4,510,881 3,783,961 4,716,092 3,989,694


Value







01.01.'08 31.12.'08 01'07-12'08 01.01.'08 31.12.'08 01'07-12'08 01.01.'08 31.12.'08 01'07-12'08


Value





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Tabela 12: Aktivet e Shoqërive të Sigurimit Table 12: Assets of Insurance Companies

A. Të Patrupëzuara / Intangible assets 25,277 16,387

B. Investime / Investments 9,254,637 9,463,007 I. Toka dhe ndërtesa / Land and buildings 1,309,740 1,619,697 II. Investime në sipërmarje të kontrolluara

Investments in subordinated undertakings 568,310 598,639

III. Investime të tjera financiare / Other financial investments 7,376,587 7,244,671 Letra me vlerë të Qeverisë / Goverment securities 1,899,748 1,729,268 Të tjera letra borxhi / Other debt securities - - Të tjera aksione dhe interesa pjesëmarrëse Other shares and participating interest Depozita / Bank deposits 4,863,416 4,394,437 Hua të garantuara me hipoteka / Mortgage loans 9,041 4,177 Të tjera / Others 253,481 376,897

C. Pjesa e provigj.teknik të risigurimit Reinsurance share of technical provisions

1,213,361 1,108,941

I. Provigjone për primin e pafituar / Provision for unearned premiums 187,898 365,781 II. Provigjone për sigurimin e jetës / Provision for life insurance 22,288 26,890 III. Provigjone për dëmet pezull / Provision for outstanding claims 1,003,174 716,270 IV. Të tjera provigjone / Other technical provisions - -

D. Debitorët / Receivables 1,395,923 1,324,161 I. Debitorë nga veprimt. direkte / Debtors arising out of direct insurance operations 768,391 628,111

Policmbajtësit / Policyholders 556,267 343,164

Ndërmjetësit / Intermediaries 212,124 284,947

II. Debitorë nga veprimt. risigurimit / Debtors arising out reinsurance operations 895 88,053

III. Të tjerë / Others 626,638 607,998

E. Aktive të tjera / Other assets 1,259,350 3,428,515

I. Aktive te qëndrueshme të trupëzuara / Tangible assets 515,678 626,856

II. Gjendje inventari / Inventory 39,828 54,970

III. Mjete monetare / Cash 703,844 2,746,689

Në bankë / On bank 670,111 2,099,935

Në Arkë / On hand 33,108 27,629

Të tjera / Others 625 619,124


211,503 184,522

TOTALI I AKTIVEVE / TOTAL ASSETS 13,360,051 15,525,533

01.01.2008 31.12.2008

350,901 739,893

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Të dhëna / Item

000 lekë /ALL







Tabela 13: Detyrimet e Shoqërive të SigurimitTable 13: Liabilities of Insurance Companies

A. Kapitalet e veta / Capital and reserves 6,956,169 8,864,646

I. Kapitali themeltar / Subscribed capital 5,399,362 6,048,269

II. Rezerva rivlerësimi kapitali Revaluation capital reserves

97,421 239,733

III. Rezerva / Capital reserves 641,673 1,577,195

IV. Rezerva e sigurisë / Security reserve - -

V. Fitime ose humbje të mbartura Profit or loss brought forward

84,885 121,426

VI. Fitime ose humbje të ushtrimit Profit or loss for financial year

732,827 878,024

B. Hua të varura / Subordinated liabilities 1,521 63,138

C. Provigjonet teknike / Technical provisions 5,929,453 5,098,635

I. Provigjone për primin e pafituar dhe riskun e paskaduar Provision for unearned premiums and unexpired risk

1,893,653 2,204,050

II. Provigjone për sigurimin e jetës / Life insurance provision 174,651 201,643

III. Provigjone për dëmet e pezull. Provision for claims outstanding

2,825,516 2,684,943

IV. Provigjone barazimi / Equalization provision 173,977 -

V. Të tjera provigjone / Other provision 861,656 8,000

D. Provigjone për shpenzime dhe rreziqe Provision for risk and charges

E. Kreditorët / Creditors 549,662 1,241,453

I. Kreditorë nga veprimtaria e sigurimit Creditors arising out of direct insurance operations

50,452 58,556

II. Kreditorë nga veprimtaria risiguruese Creditors arising out of direct reinsurance operations

78,346 109,331

III. Shuma që detyrohen për inst. e kreditit Amounts owed to credit institutions

12,389 254,730

IV. Kreditorë të tjerë përfshirë taksa dhe sig.shoqërore Other creditors including tax & social security

408,474 818,836

F. Të ardhura të marra në avance Accruals and deferred income

63,530 12,734

G. Pasive të tjera / Other liabilities -636,108 41,769

495,825 203,158

01.01.2008 31.12.2008Të dhëna / Item

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000 lekë /ALL

13,360,051 15,525,533 TOTALI I PASIVIT / TOTAL LIABILITIES







Tabela 14: Të Dhëna nga Llogaria TeknikeTable 14: Selected Data of Technical Account

01.01.2008 31.12.2008

I. Primi i fituar / Earned premiums 4,704,950 5,543,350 1. Primi i shkruar bruto / Gross written premiums 5,947,978 7,076,448 2. Ndryshimi në rezervat për prime

Change in gross provision for unearned premiums3. Primi i Ceduar në Risigurim / Outward reinsurance 4. Ndryshimi në rezervat për prime të risiguruesit

Reinsurance share in change of provision for unearned premiumsII. Të ardhura të tjera teknike neto nga risigurimi

Other technical income - net of reinsuranceIII. Dëme të ndodhura / Claims incurred 1,138,021 1,422,245

1. Dëmet e paguara neto nga risigurimi / Claims paid - net of reinsurance 1,165,530 1,286,628 1.1. Dëme të paguara bruto / Gross claims paid 1,293,766 1,571,075 1.2. Pjesa e risiguruesit në dëmet e paguara bruto

Reinsurance share in gross claims paid 2. Ndryshimi në rezervën për dëme neto nga risiguruesi

Change in gross provision for outstanding claims - net of reinsurance2.1. Ndryshimi në rezervën për dëme bruto / Ghange in provision for outstanding claims2.2. Ndryshimi në rezervën për dëme pjesa e risiguruesit

Reinsurance share in change of provision for outstanding claims

IV. Ndryshimi i të tjera rezerva teknike neto nga risigurimiChange in other technical provision - net of reinsurance

V. Shpenzime operative neto nga risiguruesiNet operating expenses

1. Shpenzimet e marrjes në sigurim / Acquisition costs 782,565 1,261,469 2. Shpenzimet administrative / Administrative expenses 2,067,826 2,482,764

2,850,391 3,744,234

56,073

BILANCI I LLOGARISË TEKNIKE / BALANCE OF TECHNICAL ACCOUNT 660,465 427,926

Raporti dëme prime neto / Net claims ratio 24.19% 25.66%Raporti i shpenzimeve të marrjes në sigurim / Acquisition expenses ratio 15.27% 22.18%Raporti i shpenzimeve administrative / Administrative expenses ratio 40.35% 43.65%Raporti i shpenzimeve / Expense ratio 55.62% 65.82%Raporti i kombinuar / Combined ratio 79.81% 91.48%

REZULTATI TEKNIK / TECHNICAL RESULT 660,465 427,926

Të ardhura neto nga investimet / Net investment income 213,975 370,945Të ardhura të tjera / Other income 109,788 275,635Shpenzime të tjera / Other expenses 23,752 12,615

REZULTATI FINANCIAR / FINANCIAL RESULT 960,476 1,061,891

Tatimi mbi fitimin / Income tax 227,649 183,868

REZULTATI FINANCIAR NETO / NET FINANCIAL RESULT 732,827 878,024

Numri i shoqërive me rezultat teknik pozitivNumber of insurance companies recording technical profitNumri i shoqërive me rezultat teknik negativNumber of insurance companies recording technical loss

1

Numri i shoqërive me rezultat financiar pozitiv Number of insurance companies recording financial profitNumri i shoqërive të llogaritura me humbje financiareNumber of insurance companies recording financial loss

10

9 8

2

10

-

-823,277 -1,388,193

-470,092 -327,389

-

-51,054

-151,287

-284,447

-114,790

-128,236

-27,508

- -

87,282 286,904

135,617

50,341 182,484

Të dhëna / Item

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

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000 lekë /ALL

24 T R E G U I s I G U R I m E v E

I n s U R a n c E m a R K E T

a U T o R I T E T I I m b I K ë q y R j E s f I n a n c I a R E

f I n a n c I a l s U p E R v I s o R y a U T h o R I T y25

R a p o R T I I m b I K ë q y R j E s ‘ 0 8

s U p E R v I s I o n R E p o R T ‘ 0 8







SIGURIMI I JETËSLife Insurance

Tabela 15: Aktivet e Shoqërive të Sigurimit të JetësTable 15: Assets of Life Insurance Companies

A. Të Patrupëzuara / Intangible assets 804 - B. Investime / Investments 1,070,722 1,389,038

I. Toka dhe ndërtesa / Land and buildings 16,531 18,996 II. Investime në sipërmarje të kontrolluara

Investments in subordinated undertakings - -

III. Investime të tjera financiare / Other financial investments 1,054,191 1,370,042 Letra me vlerë të Qeverisë / Goverment securities 300,523 416,278 Të tjera letra borxhi / Other debt securities - - Të tjera aksione dhe interesa pjesëmarrëse Other shares and participating interest Depozita / Bank deposits 704,710 741,550

Hua të garantuara me hipoteka / Mortgage loans - -

Të tjera / Others - -

C. Pjesa e provigj.teknik te risigurimit Reinsurance share of technical provisions

22,288 26,890

I. Provigjone për primin e pafituar / Provision for unearned premiums - - II. Provigjone për sigurimin e jetës / Provision for life insurance 22,288 26,890 III. Provigjone për dëmet pezull / Provision for outstanding claims - - IV. Të tjera provigjone / Other technical provisions - -

D. Debitorët / Receivables 89,105 35,893

I. Debitorë nga veprimt. direkte / Debtors arising out of direct insurance operations 61,833 20,866

Policmbajtësit / Policyholders 61,833 20,866

Ndërmjetësit / Intermediaries - -

II. Debitorë nga veprimt. risigurimit / Debtors arising out reinsurance operations - 8,642

III. Të tjerë / Others 27,272 6,384

E. Aktive të tjera / Other assets 186,782 340,470

I. Aktive të qëndrueshme të trupëzuara / Tangible assets 14,810 17,965

II. Gjendje inventari / Inventory 2,434 4,183

III. Mjete monetare / Cash 169,537 318,321

Në bankë / On bank 168,741 276,023

Në Arkë / On hand 176 268

Të tjera / Others 620 42,031


31,751 48,503

48,958 212,214

01.01.2008 31.12.2008Të dhëna / Item

000 lekë /ALL

.....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

.....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

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TOTALI I AKTIVEVE / TOTAL ASSETS 1,401,452 1,840,794







Tabela 16: Detyrimet e Shoqërive të Sigurimit të JetësTable 16: Liabilities of Life Insurance Companies

1,247,415 1,541,294

1,100,184 1,264,407

- 19,547

4,000 60,103

- -

-43,507 4,481

138,750 240,745

- -

227,499 232,624

- -

174,651 201,643

17,848 30,981

35,000 -

- -

55,376 5,157

71,950 56,311

3,913 9,860

27,590 25,111

- -

40,446 21,341

14,989 5,408

- -215,776

A. Kapitalet e veta / Capital and reserves

I. Kapitali themeltar / Subscribed capital


III. Rezerva / Capital reserves

IV. Rezerva e sigurisë / Security reserve



B. Hua të varura / Subordinated liabilities

C. Provigjonet teknike / Technical provisions


II. Provigjone për sigurimin e jetës / Life insurance provision


IV. Provigjone barazimi / Equalization provision

V. Të tjera provigjone / Other provision


E. Kreditorët / Creditors





F. Të ardhura të marra në avancë Accruals and deferred income

G. Pasive të tjera / Other liabilities

Të dhëna / Item

.....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

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01.01.2008 31.12.2008

1,401,452 1,840,794







Tabela 17: Të dhëna nga Llogaria Teknike: Sigurimi i JetësTable 17: Selected Data of Technical Account: Life Insurance

- -

- -

01.01.2008 31.12.2008Të dhëna / Item

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

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000 lekë /ALL

I. Primi i fituar / Earned premiums 357,023 459,630 1. Primi i shkruar bruto / Gross written premiums 409,904 515,203 2. Ndryshimi në rezervat për prime

Change in gross provision for unearned premiums3. Primi i Ceduar në risigurim / Outward reinsurance 4. Ndryshimi në rezervat për prime të risiguruesit

Reinsurance share in change of provision for unearned premiums

II. Të ardhura të tjera teknike neto nga risigurimiOther technical income - net of reinsurance

III. Dëme të ndodhura / Claims incurred 13,338 52,693 1. Dëmet e paguara neto nga risigurimi / Claims paid - net of reinsurance 42,390 43,075

1.1. Dëme të paguara bruto / Gross claims paid 44,037 45,149 1.2. Pjesa e risiguruesit në dëmet të paguara bruto


Change in gross provision for outstanding claims - net of reinsurance2.1. Ndryshimi në rezervën për dëme bruto / Ghange in provision for outstanding claims 9,618 2.2. Ndryshimi në rezervën për dëme pjesa e risiguruesit



20,000 2,946


1. Shpenzimet e marrjes në sigurim / Acquisition costs 62,579 88,084 2. Shpenzimet administrative / Administrative expenses 141,336 154,919

BILANCI I LLOGARISË TEKNIKE / BALANCE OF TECHNICAL ACCOUNT 119,770 160,988

Raporti dëme prime neto / Net claims ratio 3.74% 11.46%Raporti i shpenzimeve të marrjes në sigurim / Acquisition expenses ratio 15.89% 18.66%Raporti i shpenzimeve administrative / Administrative expenses ratio 35.89% 32.82%Raporti i shpenzimeve / Expense ratio 51.78% 51.48%Raporti i kombinuar / Combined ratio 55.51% 62.95%

REZULTATI TEKNIK / TECHNICAL RESULT 119,770 160,988

Të ardhura neto nga investimet / Net investment income 36,920 75,280 Të ardhura të tjera / Other income 4,653 36,396Shpenzime të tjera / Other expenses 105 1,600

REZULTATI FINANCIAR / FINANCIAL RESULT 161,238 271,064

Tatimi mbi fitimin / Income tax 22,488 30,319

REZULTATI FINANCIAR NETO / NET FINANCIAL RESULT 138,750 240,745

Numri i shoqërive me rezultat teknik pozitivNumber of insurance companies recording technical profitNumri i shoqërive me rezultat teknik negativNumber of insurance companies recording technical lossNumri i shoqërive me rezultat financiar pozitiv Number of insurance companies recording financial profit

3 3

Numri i shoqërive të llogaritura me humbje financiareNumber of insurance companies recording financial loss

203,915 243,003

3 3

-

-29,052

-29,052

-1,647

-

-2,074

9,618

4,602

- -

-18,689 -16,992

-16,065-18,126

-43,183













SIGURIMI I JO-JETËSNon Life Insurance

Tabela 18: Aktivet e Shoqërive të Sigurimit të Jo - JetësTable 18: Assets of Non Life Insurance Companies

24,473 16,387 8,183,915 8,073,969 1,293,209 1,600,700

568,310 598,639

6,322,395 5,874,630 1,599,224 1,312,990 - -

4,158,706 3,652,887

9,041 4,177

253,481 376,897

1,191,073 1,082,051

187,898 365,781 - -

1,003,174 716,270 - -

1,306,819 1,288,268

706,558 607,244

494,435 322,298

212,124 284,947

895 79,411

599,366 601,614

1,072,568 3,088,045

500,868 608,891

37,394 50,787

534,307 2,428,368

501,369 1,823,912

32,932 27,362

5 577,093

179,752 136,018

301,943 527,679

A. Të Patrupëzuara / Intangible assetsB. Investime / Investments

I. Toka dhe ndërtesa / Land and buildingsII. Investime në sipërmarje të kontrolluara

Investments in subordinated undertakingsIII. Investime të tjera financiare / Other financial investments

Letra me vlerë të Qeverisë / Goverment securities Të tjera letra borxhi / Other debt securities Të tjera aksione dhe interesa pjesëmarrëse Other shares and participating interest Depozita / Bank deposits

Hua të garantuara me hipoteka / Mortgage loans

Të tjera / Others

C. Pjesa e provigj.teknik te risigurimit Reinsurance share of technical provisions

I. Provigjone për primin e pafituar / Provision for unearned premiumsII. Provigjone për sigurimin e jetës / Provision for life insuranceIII. Provigjone për dëmet pezull / Provision for outstanding claimsIV. Të tjera provigjone / Other technical provisions

D. Debitorët / Receivables

I. Debitorë nga veprimt. direkte / Debtors arising out of direct insurance operations

Policmbajtësit / Policyholders

Ndërmjetësit / Intermediaries

II. Debitorë nga veprimt. risigurimit / Debtors arising out reinsurance operations

III. Të tjerë / Others

E. Aktive të tjera / Other assets

I. Aktive të qëndrueshme të trupëzuara / Tangible assets

II. Gjendje inventari / Inventory

III. Mjete monetare / Cash

Në bankë / On bank

Në Arkë / On hand

Të tjera / Others


01.01.2008 31.12.2008Të dhëna / Item

.....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

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11,958,599 13,684,739

000 lekë /ALL








Tabela 19: Detyrimet e Shoqërive të Sigurimit të Jo - JetësTable 19: Liabilities of Non Life Insurance Companies

01.01.2008 31.12.2008

000 lekë /ALL

5,708,754 7,323,352

4,299,178 4,783,862

97,421 220,186

- 1,184,230

637,673 332,862

80,404 164,933

594,078 637,279

1,521 63,138

5,701,954 4,866,012

1,893,653 2,204,050

- -

2,807,667 2,653,961

138,977 -

861,656 8,000

440,450 198,001

477,712 1,185,142

46,539 48,696

50,757 84,220

12,389 254,730

368,027 797,495

48,540 7,326

41,769 -420,331

A. Kapitalet e veta / Capital and reserves

I. Kapitali themeltar / Subscribed capital


III. Rezerva / Capital reserves

IV. Rezerva e sigurisë / Security reserve



B. Hua të varura / Subordinated liabilities

C. Provigjonet teknike / Technical provisions


II. Provigjone për sigurimin e jetës / Life insurance provision


IV. Provigjone barazimi / Equalization provision

V. Të tjera provigjone / Other provision


E. Kreditorët / Creditors





F. Të ardhura të marra në avancë Accruals and deferred income

G. Pasive të tjera / Other liabilities

Të dhëna / Item

.....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

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TOTALI I PASIVIT / TOTAL LIABILITIES 11,958,599 13,684,739







Tabela 20: Të Dhëna nga Llogaria Teknike: Sigurimi i Jo - JetësTable 20: Selected Data of Technical Account: Non Life Insurance

01.01.2008 31.12.2008

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

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..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

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..................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

000 lekë /ALL

Të dhëna / Item

I. Primi i fituar / Earned premiums1. Primi i shkruar bruto / Gross written premiums2. Ndryshimi në rezervat për prime

Change in gross provision for unearned premiums3. Primi i Ceduar në risigurim / Outward reinsurance 4. Ndryshimi në rezervat për prime të risiguruesit

Reinsurance share in change of provision for unearned premiums


III. Dëme të ndodhura / Claims incurred1. Dëmet e paguara neto nga risigurimi / Claims paid - net of reinsurance

1.1. Dëme të paguara bruto / Gross claims paid1.2. Pjesa e risiguruesit në dëmet të paguara bruto


Change in gross provision for outstanding claims - net of reinsurance2.1. Ndryshimi në rezervën për dëme bruto / Ghange in provision for outstanding claims2.2. Ndryshimi në rezervën për dëme pjesa e risiguruesit




1. Shpenzimet e marrjes në sigurim / Acquisition costs2. Shpenzimet administrative / Administrative expenses

BILANCI I LLOGARISË TEKNIKE / BALANCE OF TECHNICAL ACCOUNT

Raporti dëme prime neto / Net claims ratioRaporti i shpenzimeve të marrjes në sigurim / Acquisition expenses ratioRaporti i shpenzimeve administrative / Administrative expenses ratioRaporti i shpenzimeve / Expense ratioRaporti i kombinuar / Combined ratio

REZULTATI TEKNIK / TECHNICAL RESULT

Të ardhura neto nga investimet / Net investment incomeTë ardhura të tjera / Other incomeShpenzime të tjera / Other expenses

REZULTATI FINANCIAR / FINANCIAL RESULT

Tatimi mbi fitimin / Income tax

REZULTATI FINANCIAR NETO / NET FINANCIAL RESULT

Numri i shoqërive me rezultat teknik pozitivNumber of insurance companies recording technical profitNumri i shoqërive me rezultat teknik negativNumber of insurance companies recording technical lossNumri i shoqërive me rezultat financiar pozitiv Number of insurance companies recording financial profitNumri i shoqërive të llogaritura me humbje financiareNumber of insurance companies recording financial loss

4,347,927 5,083,720 5,538,075 6,561,245

1,124,683 1,369,552 1,123,140 1,243,553 1,249,728 1,525,926

719,986 1,173,385 1,926,490 2,327,846

540,696 266,938

25.87% 26.94%15.22% 22.49%40.72% 44.63%55.94% 67.12%81.81% 94.06%

540,696 266,938

177,055 295,665 105,135 239,239

23,647 11,015

799,239 790,827

205,161 153,548

594,078 637,279

1 2

8 8

1,543 125,998

177,882

- -

-160,906

-282,373

-85,739

-126,588

-451,403

-807,212

-310,397

-1,345,010

-54,000

68,467

7 6

87,282 286,904

36,073

2,646,476 3,501,231







Tabela 21: TESTET IRISTable 21: IRIS TESTS

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000 lekë /ALL

MIN MAX

Norma e rritjes së primit / Premium growth rate 12.37% 30.63% 18.84% -40.00 40.00

Raporti i mbajtjes neto / Net retention ratio 89.72% 85.42% 79.50% 40.00 80.00

Raporti dëme prime neto / Net claims ratio 36.97% 25.87% 26.94% 50.00 80.00

Raporti i shpenzimeve / Expense ratio 55.69% 55.94% 67.12% 25.00 50.00

Raporti i kombinuar / Combined ratio 92.66% 81.81% 94.06% 85.00 105.00

Të ardhurat nga investimet / Investment income 7.02% 4.07% 5.82% 4.00 8.00

Raporti i kapitalit / Capital ratio 67.40% 62.99% 62.42% 20.00 50.00

Raporti i provigjoneve teknike / Technical provisions ratio 69.85% 77.33% 88.89% 10.00 30.00

Raporti i aftësisë paguese / Solvency coverage 402.77% 460.81% 315.98% 150.00 300.00

31.12.2007 31.12.2008

Kufiri / Range (%)

31.12.2006Jo - Jeta / Non Life

1 2 3 4 5 6 7 8 9

01.01.2007 31.12.2007 31.12.2008 Kufiri / Range (%) MIN Kufiri / Range (%) MAX

-100

-50

0

50

100

150

200

250

300

350

-50

0

50

100

150

200

250

300

350

400

450

500

0 10







Tabela 22: Të Dhëna nga: Llogaria Teknike Aksidentet dhe ShëndetiTable 22: Selected Data of: Technical Account Accident and Health Insurance

48

-- -

- - -

-3,133 -3,030

-10,509

-632 -1,608

-34,126

-

2005 2006 2007 2008Të dhëna / Item

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000 lekë /ALL

153,613 158,761 194,873 277,475 I. Primi i fituar / Earned premiums

143,140 172,300 185,887 313,161 1. Primi i shkruar bruto / Gross written premiums

9,619 13,607 2. Ndryshimi në rezervat për primeChange in gross provision for unearned premiums

3. Primi i Ceduar në risigurim / Outward reinsurance

4. Ndryshimi në rezervat për prime të risiguruesitReinsurance share in change of provision for unearned premiums


9,461 26,031 24,327 23,899 III. Dëme të ndodhura / Claims incurred

30,204 16,261 14,659 31,536 1. Dëmet e paguara neto nga risigurimi / Claims paid - net of reinsurance

30,204 16,766 14,659 31,536 1.1. Dëme të paguara bruto / Gross claims paid

-- -1.2. Pjesa e risiguruesit në dëmet të paguara bruto Reinsurance share in gross claims paid

9,668 9,769 2. Ndryshimi në rezervën për dëme neto nga risiguruesiChange in gross provision for outstanding claims - net of reinsurance

7,734 7,669 2.1. Ndryshimi në rezervën për dëme brutoGhange in provision for outstanding claims

2,212 2,036 1,999 -

-20,743

-20,743 -7,637

-9,849

2.2. Ndryshimi në rezervën për dëme pjesa e risiguruesit Reinsurance share in change of provision for outstanding claims

-- -3,678

-505

9,551 IV. Ndryshimi i të tjera rezerva teknike neto nga risigurimiChange in other technical provision - net of reinsurance

211,311 114,687 103,374 118,376 V. Shpenzime operative neto nga risiguruesiNet operating expenses

25,903 37,465 37,174 87,036 1. Shpenzimet e marrjes në sigurim / Acquisition costs

77,471 80,911 77,513 124,275 2. Shpenzimet administrative / Administrative expenses

40,778 18,033 46,309 42,265 BILANCI I LLOGARISË TEKNIKE / BALANCE OF TECHNICAL ACCOUNT

6.16% 16.40% 12.48% 8.61%Raporti dëme prime neto / Net claims ratio

18.50% 22.13% 20.07% 27.94%Raporti i shpenzimeve të marrjes në sigurim / Acquisition expenses ratio

55.33% 47.80% 41.84% 39.89%Raporti i shpenzimeve administrative / Administrative expenses ratio

73.84% 69.93% 61.91% 67.83%Raporti i shpenzimeve / Expense ratio

79.99% 86.33% 74.39% 76.44%Raporti i kombinuar / Combined ratio







Tabela 23: Të Dhëna nga: Llogaria Teknike Sigurimi MotorrikTable 23: Selected Data of: Technical Account Motor Insurance

2,788,392 2,863,828 3,617,149 4,116,423

2,827,098 3,236,865 4,240,383 4,492,721

895,541 1,119,146 969,483 1,243,635

976,319 1,083,262 1,002,346 1,060,683 1,016,255 1,160,350 1,074,557 1,234,646

10,503 306,880 10,667

380,093 405,013 541,050 834,470

1,049,158 1,226,858 1,430,393 1,624,519

360,666 56,362 650,538 463,798

32.12% 39.08% 26.80% 30.21%

14.57% 13.36% 13.67% 20.10%

40.21% 40.47% 36.15% 39.12%

54.78% 53.83% 49.82% 59.22%

86.89% 92.91% 76.62% 89.43%

179,131

--- -

-173,962

-50,000

-77,088

-270,996

-39,936

-80,778

-91,281

-72,211

-32,863

-76,632

-340,485-205,311-217,837 -283,108

-65,439-218,858 -318,701

-21,42551,133 29,626 -

172,285 43,769

102,934 25,685 56,449

2,458,990 1,971,443 1,429,251 1,631,872

182,952 35,884

2005 2006 2007 2008Të dhëna / Item

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000 lekë /ALL

I. Primi i fituar / Earned premiums

1. Primi i shkruar bruto / Gross written premiums

2. Ndryshimi në rezervat për primeChange in gross provision for unearned premiums




III. Dëme të ndodhura / Claims incurred

1. Dëmet e paguara neto nga risigurimi / Claims paid - net of reinsurance

1.1. Dëme të paguara bruto / Gross claims paid

1.2. Pjesa e risiguruesit në dëmet të paguara bruto Reinsurance share in gross claims paid

2. Ndryshimi në rezervën për dëme neto nga risiguruesiChange in gross provision for outstanding claims - net of reinsurance

2.1. Ndryshimi në rezervën për dëme brutoGhange in provision for outstanding claims




1. Shpenzimet e marrjes në sigurim / Acquisition costs

2. Shpenzimet administrative / Administrative expenses


Raporti dëme prime neto / Net claims ratio

Raporti i shpenzimeve të marrjes në sigurim / Acquisition expenses ratio

Raporti i shpenzimeve administrative / Administrative expenses ratio

Raporti i shpenzimeve / Expense ratio

Raporti i kombinuar / Combined ratio







Tabela 24: Të Dhëna nga: Llogaria Teknike Sigurimi DMTPL e BrendshmeTable 24: Selected Data of: Technical Account DMTPL Insurance

388,171 524,402 544,568 706,530

545,877 514,513 479,484 534,865

545,877 514,513 479,484 534,865

196,796 184,962 313,391 491,581

595,519 707,289 872,868 874,665

449,298 178,323 396,395 737,885

22.65% 32.53% 24.57% 25.59%

12.54% 10.61% 12.45% 18.16%

37.94% 40.56% 34.67% 32.31%

50.47% 51.17% 47.12% 50.47%

73.12% 83.70% 71.69% 76.06%

5,722 - 22,483

1,713,654 1,612,044 2,216,106 2,760,661

1,571,816 1,800,618 2,573,230 2,731,298

47,985 143,818

-- - -

-26,664

-24,344-1,980 -56,902 -55,782

-154,155 -274,678

9,889 65,084 171,666

171,666 9,889 65,084

1,366,246 792,315 892,251 1,186,259

--- -

-

-50,000

-

-157,705

-157,705

- -

88,883 83,870 17,068

2005 2006 2007 2008Të dhëna / Item

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000 lekë /ALL






























Tabela 25: Të Dhëna nga: Llogaria Teknike Sigurimi Karton JeshilTable 25: Selected Data of: Technical Account Green Card Insurance

2005 2006 2007 2008Të dhëna / Item

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000 lekë /ALL
























409,157 470,465 578,168 625,623

571,108 642,935 792,695 940,098

-204,485 -146,545 -220,126 -256,474

374,016 353,938 189,823 263,840

273,922 337,045 318,669 253,021

313,858 414,133 390,880 371,968

191,375 287,889 -172,615 -164,981

86,797 97,112 91,571 179,847

204,756 229,963 251,492 315,351

-249,702 -247,377 98,210 -133,415

91.41% 75.23% 32.83% 42.17%

23.67% 19.56% 15.99% 26.31%

55.85% 46.33% 43.92% 46.13%

79.52% 65.89% 59.92% 72.44%

170.94% 141.12% 92.75% 114.61%

-6,711 36,829 -52,927 -

-39,936 -77,088 -72,211 -118,946

-- - -

495,198 291,553 327,075 343,062

175,800 -91,281 -270,996 43,769

16,893 -128,846 10,819 100,094

24,164 - 28,650 4,963

-82,16442,533 -54,575 637







Tabela 26: Të Dhëna nga: Llogaria Teknike Sigurimi KufitareTable 26: Selected Data of: Technical Account Border Insurance

425,480 521,123 495,998 303,071

423,196 529,328 501,852 323,239

- - - -

-8,205 -5,854 -20,167

35,630 25,473

1,546 57,757 2,643 4,052

1,546 57,757 2,643 4,052

21,421

52,212 68,631 62,334 47,153

149,857 191,351 166,321 143,592

231,310 210,376 239,275 121,784

-6.07% 6.84% 5.14% -3.12%

12.34% 12.97% 12.42% 14.59%

35.41% 36.15% 33.14% 44.42%

47.75% 49.12% 45.56% 59.01%

41.68% 55.95% 50.70% 55.89%

2,284

-- - -

190,746 202,069 259,982 228,655

21,421

-12,101

-12,101

-- -

-27,385 -22,127

-27,385 -22,127

-

-17,939 15,135 2,595

--

-25,838 -9,458

- -

-- --

2005 2006 2007 2008Të dhëna / Item

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000 lekë /ALL






























Tabela 27: Të Dhëna nga: Llogaria Teknike Sigurimi KaskoTable 27: Selected Data of: Technical Account Casco Insurance

228,935 260,196 326,876 427,067

250,410 263,984 372,606 498,086

160,362 205,023 209,618 282,724 153,727 173,794 200,141 270,154

153,727 173,794 200,141 325,171

6,635 31,230 9,477 16,084

42,956 54,308 73,755 115,889

95,450 98,255 139,712 290,911

70.05% 78.80% 64.13% 66.20%

17.97% 20.72% 20.18% 26.43%

39.93% 37.48% 38.23% 66.35%

57.90% 58.20% 58.42% 92.79%

127.95% 137.00% 122.55% 158.99%

-

-55,016

-260

- - -

-59,667-11,372 -1,864 -7,200

-11,092-10,103 -1,923 -38,806

- 277 -

-- -

406,799 138,406 152,563 213,467

12,569 6,635 31,230 9,477

- -3,515- -

-83,342 -262,456-77,261 -85,288

-12,886-12,103 -7,428

2005 2006 2007 2008Të dhëna / Item

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Tabela 28: Të Dhëna nga: Llogaria Teknike Marinë, Aviacion dhe Mallra në TransportTable 28: Selected Data of: Technical Account Marine, Aviation and Transport Insurance

80,486 19,096 32,993 28,196

80,057 99,281 80,416 106,078

1,811 7,355 1,846 8,359

1,811 7,355 1,846

2,461 7,481 1,846 203

-807

- - - 11,243

11,405 7,039 5,367 8,901

34,844 25,117 29,101 25,876

27,430 14,450 8,895

2.25% 38.52% 5.60% 29.65%

37.25% 16.53% 14.37% 38.87%

113.80% 58.97% 77.94% 113.01%

151.05% 75.49% 92.31% 151.88%

153.30% 114.01% 97.91% 181.52%

407 7,192

5,624 49,460

-- - -

-83,180-49,439 -56,686

-326-14,022

-43,076

-9,477 -11,539

34,777 46,249 32,157 34,468

-- -

-12,216-34,866

- -1,010

-

-14,939

-2,078

4,995

9,166 -- -

-651 -126

2005 2006 2007 2008Të dhëna / Item

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Tabela 29: Të Dhëna nga: Llogaria Teknike Zjarri dhe Dëme të Tjera në PronëTable 29: Selected Data of: Technical Account Fire and Other Damage to Property Insurance

178,490 430,487 441,981 334,272

367,183 468,944 583,211 698,741

20,451 141,936 170,194

60,274 36,520 49,637 133,473

67,137 39,988 104,013 218,344

261,835

84,646 71,525 104,418 163,115

170,162 141,948 220,368 233,844

278,865 13,453

11.46% 32.97% -7.76% 38.51%

34.50% 19.53% 29.67% 34.43%

69.36% 38.75% 62.62% 49.36%

103.87% 58.28% 92.28% 83.79%

115.32% 91.25% 84.53% 122.30%

64,854

14,767 2,613 6,248

-

-4,000-203,787

- -

-682

-

-224,995-121,860 -102,629 -231,270

-46,532-69,446 -23,918

396,960 254,808 213,473 324,786

132,996 32,954 -

-39,822

-39,822

-6,863

-108,522

-75,567

-54,377

-25,931

-96,275

-84,871-3,468

-156,419

-175,982 -121,172

79,213 21,963

36,721 105,416

2005 2006 2007 2008Të dhëna / Item

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Tabela 30: Të Dhëna nga: Llogaria Teknike Përgjegjësi të PërgjithshmeTable 30: Selected Data of: Technical Account General Liability Insurance

118,543 64,310 54,868 67,538

157,522 134,854 323,011 776,238

10,106 20,174 32,908

8,758 19,981 292

8,758 20,986 292 3,947

1,348 2,282 24,057

22,274 10,446 10,509 40,050

80,368 41,649 113,012 240,778

8.53% 31.37% 59.98% -79.43%

21.02% 15.63% 14.18% 49.14%

75.85% 62.33% 152.49% 295.45%

96.87% 77.96% 166.67% 344.59%

105.40% 109.33% 226.65% 265.17%

11,282

127,817 1,307 95,183

-

-18,582

-53,643

- - -

-694,742 -51,568 -68,035

-297

-248,903

-141,774 -2,213 -114,424

-159,647 -34,471 -1,398 -87,884

-6,562 -13,667

280,829 102,642 52,095 123,521

8,560 -

- -1.005 -

-

-2,088 -18,512

-16,549

-35,061

-22,530

40,266

32,616 1,348 193

2005 2006 2007 2008Të dhëna / Item

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Tabela 31: Të Dhëna nga: Llogaria Teknike Krediti dhe GaranciaTable 31: Selected Data of: Technical Account Credit and Suretyship Insurance

209,211 132,492 113,773 152,107

197,373 127,118 125,167 174,307

-223

-

-

-22,200

105,411 41,867 122,050 86,537 29,884 54,361 37,250

86,537 29,884 54,361 37,250

18,873 11,983 67,690

34,224 23,173 21,468 39,812

98,426 47,048 56,103 78,553

79,870 56,634

50.38% 31.60% 107.28% -15.05%

17.36% 18.23% 17.18% 22.84%

49.92% 37.01% 44.90% 45.07%

67.27% 55.24% 62.08% 67.91%

117.66% 86.84% 169.36% 52.86%

12,035 5,374

- -

-197

-

-22,892

-

- -

-11,170

-

-

-

-60,142

-60,142

- - -

18,873 11,983 67,690

118,365 132,650 70,221 77,570

-- -

-59,446

-

-43,703 -90,615

-14,853 4,768

2005 2006 2007 2008Të dhëna / Item

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INDEKSI I TERMAVE

Shoqëri Ceduese - Shoqëri sigurimesh e risiguruar nga një shoqëri tjetër sigurimesh.

Cedimi i risigurimit - Veprimaritë e lidhura me transferimin e riskut.

Cesionar - Risigurues që pranon transferimin e riskut dhe/ose riskun si përgjegjësi të tijën.

Fondi i Garancisë - Fond i barabartë me vlerën më të lartë të një të tretës të marzhit të kërkuar të aftësisë paguese dhe shumës minimale të fondit të garancisë për degët dhe klasat e sigurimit.

Kapitali dhe rezervat - Shuma e të gjitha fondeve të vendosura në disipozicion të shoqërisë së sigurimeve nga aksionerët e saj. Kjo do të garantojë vazhdimësinë dhe likuiditetin e operacioneve (veprimeve) të ndërmarra nga shoqëria e sigurimeve, si dhe mbulimin e shpenzimeve operacionale dhe të kreditorëve të shoqërisë, dhe në veçanti të mbulimit të llogarive financiare negative të vitit raportues.

Kapitalit dhe rezervat do të konsistojnë në:

I) Kapitali i nënshkruar (Themeltar ose individual) II) Rezerva rivlerësimi të Kapitalit III) Rezervat IV) Rezerva e sigurisë V) Fitimi / humbje te mbartura VI) Fitimi / humbje te vitit financiar

Kapitali aksioner - Nuk mund të jetë më i vogël se minimumi i fondit të garancisë i kërkuar për klasat e sigurimit në të cilat shoqëria e sigurimit vendase, ka autorizim për të ushtruar aktivitet sigurimi.

operative që nuk janë përfshirë në kostot e marrjes ne sigurim, pagesat për dëme dhe investimet të lidhura me mbledhjen e primeve, menaxhimin e portofolit të kontratave të sigurimit, kontratave të risigurimit dhe një menaxhim të përgjithshëm të marrjes në sigurim, duke përfshirë: amortizimin dhe shpenzimet e mirëmbajtjes së zyrave, trojeve dhe ndërtesave të përdoruara për qëllimet vetjake, shpenzimet per poste dhe telekomunikacion, shpenzimet për shërbimet e tjera, shpenzimet e materialeve të konsumit të përditshëm (energji dhe materiale), amortizimi i aseteve të trupëzuara dhe patrupëzuara, pagat, shpenzime

INDEX OF TERMS

Ceding undertaking - Insurance undertaking reinsured by another insurance undertaking.

Reinsurance cession - Operations related to the transfer of a risk.

Cessionary - Reinsurer who accepts a cession and/or risk on his own responsibility.

Guarantee fund -Fund equal to the higher value of one-third of the required solvency margin and the minimum amount of guarantee fund for insurance branches and classes.

Capital and reserves - sum of all funds placed at an insurance undertaking’s disposal by its shareholders. It shall guarantee the continuity and liquidity of operations performed by the insurance undertaking, as well as covering of operating expenses and any creditors of the insurance undertaking, and in particular covering of negative financial accountsin the reporting year.

Capital and reserves shall consist of:

I) Subscribed capitalII) Revaluation capital reservesIII) Capital reservesIV) Security reserveV) Profit or loss brought forwardVI) Profit or loss for financial year

Subscribed capital - Can not be lower than the highest minimum guarantee fund required for the insurance classes in which the domestic insurance undertaking possesses authorization to perform insurance activity.

Administrative expenses - Costs of operating expenses not included in acquisition costs, claims and investment charges related to collection of premiums, management of the portfolio of insurance contracts, reinsurance contracts and a general managing of the portfolio of insurance contracts, reinsurance contracts and a general managing of the insurance undertaking, including: amortization and expenses on maintenance of offices and land and buildings used for own purposes, postal and telecommunications costs,extraneous services expenses, expenses on consumables (energy and materials), amortization of tangible and intangible assets, remuneration with surcharges, traveling and advertising expenses excluding costs of advertising related to insurance products.

Shpenzime Administrative - Kosto e shpenzimeve







udhëtimi dhe reklamash duke përjashtuar kostot e reklamave që lidhen me produktet e e sigurimit.

Kostot e marrjes ne sigurim - Kosto të lidhura me nënshkrimin dhe rinovimin e kontratave të sigurimit duke përfshirë kostot direkte, siç janë: komisionet e paguara agjentëve (ndërmjetësëve) në sigurime, së bashku me pagat dhe mbi shpenzimet e punonjësve të marrjes së kontratës së risigurimit, kostot e ekzaminimeve mjekësore, kostot e certifikatave dhe ekspertizave per vleresimin e riskut të sigurimit, dhe kostot indirekte, siç janë: kostot e reklamave dhe promovimeve të produkteve të sigurimit si dhe shpenzime të pergjithshme të lidhura me verifikimin e aplikimeve dhe lëshimin e policave.

Shpenzimet operative neto - Shuma e kostove të marrjes në sigurim dhe shpenzimeveadministrative të reduktuara nga komisionet e risigurimit dhe pjesëmarrja në fitim.

Investime afatshkurtra - investime të cilat, sipas shkallës se likuiditetit, realizohen brenda një periudhe më të shkurtër se një vit dhe që shoqëria e sigurimit ka si synim ta realizojë brenda periudhës në fjalë.

Investime afatgjata - investime të cilat nuk janë investime afatshkurtra.

Investimet e huaja - Janë investime të kryera jashtë territorit të Shqipërisë.

Marzhi i kërkuar i aftësisë paguese - marzhi minimal i disponueshëm i aftësisë paguese (fondet e veta ose kapitali i vet) të cilin një shoqëri sigurimi duhet ta zotërojë në një fazë të caktuar të ushtrimit të biznesit të saj.

Minimumi i fondit të garancisë - është një shumë fikse që përcakton një vlerë minimale të fondit të garancisë të detyrueshëm, që nga momenti i fillimit të biznesit të sigurimeve deri në momentin e kalimit në një tjeter nivel, me qëllim sigurinë e ushtrimit të veprimtarisë siguruese.Fondi minimal i garancisë duhet të varet nga forma ligjore e shoqërisë së sigurimeve, e degës së sigurimeve dhe klasës së sigurimeve brenda secilës degë.

Humbje të parealizuara nga investimet - përbën diferencën negative ndërmjet vlerës në bilanc dhe vlerës së blerjes (kosto e krijimit) të investimeve, dhe në rast të investimeve të rivlerësuara më parë - respektivisht vlera e rivlerësuar e specifikuar në fillim të periudhës raportuese, duke përjashtuar një diferencë negative të rivlerësimit

Acquisition costs - Costs related to concluding and renewing insurance contracts including direct costs, such as: commissions paid to insurance intermediaries, remunerations with surcharges for acquisition employees, costs of medical examinations, costs of certificates and expertise to assess the insurance risk, costs of issuing of policies, costs of including the contract in the portfolio, and indirect costs, such as: costs of advertising and promotion of insurance products and general expenses related to verification of the applications and issuing of the policies.

Net operating expenses - Sum of acquisition costs and administrative expenses reduced by reinsurance commissions and profit participation.

Short - term investments - investments which, with respect to their degree of liquidity, may be realised within a period shorter than one year and which an insurance undertaking intends to realise within such period.

Long - term investments - investments other than short-term investments.

Foreign investments - investments made outside the territory of Albania.

Required solvency margin - minimum available solvency margin (own funds) which an insurance undertaking should have at a given stage of conducting its business.

Minimum guarantee fund - is a fixed amount which determines a minimum value of the guarantee fund binding from the moment of starting the insurance business until exceeding a subsequent threshold related to the secure conductingof such business.The minimum guarantee fund shall depend on a legal form of the insurance undertaking, insurance branch and insurance classes within each branch.

Unrealised losses on investments - shall constitute negative difference between a balance-sheet value and purchase value (creation cost) of investments, and in case of investments previously revalued - respectively revaluation value specified at the beginning of the reporting period, excluding a negative difference of re-adjustment on investments included in capital and reserves.







mbi investimet të përfshirë në kapital dhe rezerva.

Fitimet e parealizuara nga investimet - përbëjnë diferencën pozitive ndërmjet vlerës së bilancit dhe vlerës së blerjes (kostos së krijimit) të investimeve, dhe në rast të investimeve të rivlerësuara më parë - vlera e rivlerësimit respektiv duke përjashtuar një diferencë positive të rivlerësimit mbi investimet të përfshirë në kapital dhe rezerva.

Dëme bruto - Dëme pa perfshirë pjesën që i përket risiguruesit.

Dëme neto nga risigurimi - Dëme që perfshijnë pjesën e paguar nga risiguruesit.

Shpenzimet për dëmet - neto nga risigururesi klasifikohen sipas grupeve të sigurimit duke paraqitur shumën bruto minus shumën e risigurimeve. Shpenzimet për dëmet përfshijnë vlerën e kompensimit për dëmin e ndodhur dhe shpenzimet e trajtimit të dëmit. Vlera e kompesimit për dëmin e ndodhur është shuma që përfitojnë personat e siguruar në rastin e ndodhjes së dëmit. Në shpenzimet e trajtimit të dëmit përfshihen shpenzimet e brendshme ose të jashtme, që lidhen me trajtimin e rastit të sigurimit, llogaritjen e vlerës së dëmit, shpenzimet gjygjësore dhe shpenzimet për ekspertë.

Periudha raportuese - është periudha e përcaktuar në pasqyrat financiare të shoqërive të sigurimit.

Shpenzimet e tjera operative - do të përfshijnë:

1. Shpenzime për personelin1.1. Pagat1.2. Trajtime e shpërblime të tjera1.3. Sigurime shoqërore e të ngjashme2. Furnizime e shërbime në të tretë3. Tatime e taksa të tjera të ngjashme4. Amortizimi i aktiveve që përdoren 1 në veprimtarinë e sigurimit5. Shpenzime të tjera operative.

Risigurimi - përsëritja ose ndarja e mëtejshme (transferim) e riskut midis shoqërive te sigurimit. Risigurimi mund të jetë një marrëveshje sipas së cilës një shoqëri sigurimi, referuar si shoqëri ceduese, transferon një pjesë apo të gjithë riskun ose grupin e risqeve të siguruar, të një lloji të caktuar, me pjesën përkatëse të primit, një shoqërie tjetër sigurimesh, referuar si risiguruesi, i cili merr përsipër t’i paguaj shoqërisë ceduese

Unrealised gains on investments - shall constitute positive difference between balance-sheet value and purchase value (creation cost) of investments, and in case of investments previously revalued - respectively revaluation value excluding a positive difference of readjustment on investments included in capital and reserves.

Gross claims - claims without the share of reinsurers.

Claims - net of reinsurance - claims with the share of reinsurers.

Claims expenses - net of reinsurance - are classified according insurance group by deliver gross sum minus reinsurance sum.Expenses for claims include recompenses value for the occur claim and expenses for claims treatment.Recompenses value for the occur claim is the sum that insure persons profit in case of claim occur. In claims treatment are include outside and inside expenses, connected with insurance case treatment, court expenses and expenses for experts.

Reporting period - period covered by a financial statement of the insurance undertaking.

Other operating expenses - shall comprise:

1. Personnel expenses1.1. Wages1.2. Other recompenses1.3. Social securities2. Services from third parties3. Taxes and other4. Amortization of assets which are used inin insurance activity5. Other operating expenses.

Reinsurance - repeated or further division (transfer) of the risk between insurance undertakings. Reinsurance shall be an agreement according to which one insurance undertaking,







pjesën përkatese të dëmshpërblimeve paguar palëve të siguruara.

Risiguruesi - shoqëria e sigurimit që ofron mbulimin me risigurim.

Rekursi i sigurimit - kërkesa për rekurs që shoqëria e sigurimit ka të drejtë, në lidhje me palët e treta që janë përgjegjëse për dëmin, humbjen ose dëmtimet trupore, ose aksidentet për të cilën shoqëria e sigurimit ka paguar dëmshpërblim. Vlera e dëmit që kalon në rekurs duhet të jetë e përfshirë në shumën e paguar të dëmshpërblimit.

Provigjoni teknik i dëmeve - Ky provigjon teknik përfshin provigjonin teknik për dëmet e raportuara por të përcaktuara ose të papërcaktuara (dmth ato dëme për të cilat nuk është përcaktuar përfundimisht masa e dëmit apo është përcaktuar po ende papaguar), dhe provigjonin teknik për dëmet e ndodhura por të paraportuara. Provigjoni teknik për dëmet e ndodhura por të paraportuara shkurtimisht po shënohet IBNR (terminologji e përdorur në literaturë).

Provigjoni teknik për barazimin e dëmeve - Ky provigjon teknik ka për qëllim të zbusë luhatjet e medha nga viti në vit në ekspëriencen e dëmeve. Teorikisht, dëmet shumë të mëdha janë ngjarje të rralla por që do të ndodhin, si rrjedhim pa një provigjon teknik të tillë llogaritë e shoqërisë mund të rezultojnë shumë të çrregullta. Shoqëritë e sigurimit duhet t’i formojnë provigjonet teknike në një masë të tillë, që të mbulojnë përgjegjesitë e parashikueshme, për të përmbushur vazhdimisht dhe në mënyrë të qëndrueshme detyrimet që shfaqen nga rreziqet e patransferuara në risigurim. Në rastin e bashkësigurimit, palët që marrin pjesë në bashkësigurim, duhet t’i ndërtojnë provigjonet teknike të sigurimeve në një masë të tillë, që t’iu korrespondojnë detyrimeve.

Provigjonet teknike - krijohen për të mbuluar detyrime aktuale dhe të pritshme që do të rrjedhin nga policat e sigurimit. Provigjonet teknike janë të përbëra nga: provigjone për prime të pafituara, provigjone për riskun e paskaduar, provigjone për dëme pezull, duke përfshirë provigjone për kapitalizimin e anuiteteve, provigjone të barazisë, provigjonet e sigurimit të jetës, provigjonet teknike për policat e sigurimit të jetës kur risku i investimit mbahet nga policmbajtësi, provigjone për bonuse dhe rabate, provigjone për prime të ripaguara dhe provigjone të tjera teknike.

referred to as a ceding undertaking, cedes a whole or a part of the risk or risk group insured of a particular kind, with a relevant part of premiums, to another insurance undertaking, referred to as a reinsurer, which undertakes to pay to the ceding undertaking a relevant part of claims paid to the insuring parties.

Reinsurer - insurance undertaking which shall provide the reinsurance coverage.

Insurance recourse - recourse claim to which the insurance undertaking shall be entitled with respect to third parties liable for the damage, loss or injury, or accident for which the insurance undertaking paid a claim. Recourse claim shall be vested to the amount of the claim paid.

Claims Technical Provision – This technical provision includes the technical provision of reported claims, which can be settled or unsettled (i.e., these claims, for which the amount has not been finally settled or, these claims, for which the amount it has already been settled, but not yet paid), and the technical provision on incurred but not reported claims, the acronym of which is IBNR (terminology applied in non life insurance literature).

Technical Provision for Claims Equalization – the purpose of this provision is to amortize the great variations from year to year in claim experience. In theory, large claims are rare events, but which can occur, thus without technical provisions insurance company’s accounts may result very distorted. Insurance companies have to maintain technical provisions to the extent they can cover foreseen liabilities, and to fulfill constantly the obligations that emerge from risks untransferred to reinsurance. In case of coinsurance, the parties which take part have to set up technical provisions to the extent corresponding to their respective obligations.

Technical provision- means a sum calculated in reliance to an expectation and in accordance with the set ways, which is preserved in the account of the insurer in order to cover the liabilities arising from insurance contracts. The technical provisions shall be made up of: Provision for unearned premiums, Life assurance provision, Outstanding claims provision, Provision for bonuses and rebates, Equalization provision, Other technical provisions.







Insurance undertakings shall cover their technical and mathematical provisions only through the category of assets below mentioned:

Shoqëritë e sigurimeve të mbulojnë provigjonet e tyre teknike dhe matematike vetëm me kategoritë e aktiveve, të përcaktuara si më poshtë:

Letrat me vlerë dhe obligacionet që krijojnë apo vërtetojnë borxhin e emetuar dhe grantuar nga organet e qeverisjes qendrore në R.Sh;

Të tjera letra borxhi me të ardhura fikse;

Aksione në fonde investimesh, brenda territorit të R.Sh;

Aksione të listuara dhe të palistuara të shoqërive tregtare;

Aksione në shoqëri sigurimi dhe shoqëri risigurimi, vetëm me miratim të Autoritetit;

Toka, ndërtesa dhe të drejta mbi pasuri të patundshme në R.Sh;

Kredi individuale hipotekore për apartamente banimi vetëm për punonjësit e shoqërisë së sigurimit;

Depozita bankare;

Shumat që detyrohen nga risiguruesit;

Pjesën e risiguruesit në provigjonet teknike;

Depozita me shoqëri ceduese;

Shuma, që detyrohen nga policmbajtësit dhe ndërmjetësit, e që rrjedhin nga veprimtaria e sigurimeve, n.q.s nga dita e detyrimit të pagesës nuk kanë kaluar më shumë se 3 muaj;

Kërkesëpagesa, që rrjedhin nga pjesët e shpëtuara dhe subrogimet, të cilat nuk janë pezull më shumë se 1 vit;

Interesa dhe qera të maturuara, të ardhura të tjera të maturuara dhe shpenzime të parapaguara;

Aktive të qendrueshme të trupëzuara, përveç tokës dhe ndërtesave, të vlerësuar në bazë të normave të amortizimit.

Securities and bonds that create or certify the debt, issued and guaranteed, by the central governing bodies of the Republic of Albania;

Other fixed-income debt securities;

Shares on investment funds, inside the territory of the Republic of Albania;

Listed and unlisted shares of the commercial undertakings;

Shares in the insurance and reinsurance undertakings , only with the approval of the Authority;

Land, buildings and rights on real estate in the Republic of Albani;

Mortgage loans only for the insurance undertaking employees;

Certificates of deposits and other securities issued from banks licensed by the Bank of Albania;

Bank deposits;

Amounts due from re-insurers;

Re-insurers’ share in technical provisions;

Deposits with ceding undertakings;

Amounts due from policyholders and insurance intermediaries, deriving from the insurance activity, if from the due payment dates have not lapsed more than 3 months;

Amounts due arising out from subrogations and salvage values, which are not outstanding for more than 1 year;

Accrued interests and rentals, other accrued income and prepaid expenses;

Tangible assets, other than land and buildings, Valuation in accordance with amortization norms.







doruara për këtë publikim. Shoqëritë e sigurimit kanë detyrim ligjor të raportojnë këto pasqyra në bazë të Udhëzimit për listën e dokumenteve tëllogaridhënies së detyruar vjetore e periodiketë shoqërive të sigurimit e risigurimit - miratuar me vendimin e Bordit të AMF nr 10, datë 08.02.2007. Në publikim janë paraqitur të dhëna të detajuara në lidhje me aktivet, detyrimet, rezultatin teknik, i ndarë edhe sipas portofoleve, aktivet në mbulim të provigjoneve, strukturën e provigjoneve teknike, treguesit tekniko-financiarë, të dhëna nga llogaria teknike e portofoleve kryesorë, etj, të ndara edhe sipas llojit të sigurimeve Jetë dhe Jo-Jetë, si dhe për tregun në total. Për të pasur një bazë krahasimi dhe për të dhënë tendencën e tregut të sigurimeve në vend janë përdorur të dhëna të viteve 2005, 2006, 2007 dhe 2008.

Të dhënat për përgatitjen e këtij raporti janë përpunuar në programin Excel. Raporti i Mbikëqyrjes mund te shikohet nga ju i afishuar në format .pdf dhe .xls në faqen zyrtare të AMF www.amf.gov.al.

Kopje të paplotësuara të këtyre pasqyrave me udhëzimet përkatëse janë të disponueshme në faqen zyrtare të internetit të AMF.

Në vitin 2008 filloi zbatimi i IFRS-ve. Zbatimi i tyre u pasua me ndryshimimet përkatëse në mbajtjen e disa llogarive të bilancit dhe formës së paraqitjes së tyre.

Aktivet në mbulim të provigjoneve teknike publikohen pas analizës financiare të shoqërive të sigurimit nga Autoriteti.Produkti i Përgjithshëm Bruto ështe marrë nga Banka e Shqipërisë, Raporti Vjetor 2008.

Shoqëria Insig sh.a është e licencuar për aktivitetin e Jetës dhe Jo-Jetës për efekt analize (bazuar dhe në raportimin e shoqërisë së sigurimit) ajo është ndarë si shoqëri më vete në veprimtarinë e Jo-Jetës dhe të Jetës.

EXPLANATORY NOTES

Source of data and basis of preparation

The annual financial statements (balance sheets, profit and loss accounts, technical accounts and technical provisions revised by the Albanian Financial Supervisory Authority Board) of the insurance undertakings approved accordingly by the certified accountants were used for drafting this publication. These statements comprise the database used for this publication. The insurance undertakings are subject to the obligation of reporting these statements based on the Guideline on the list of the regular annual mandatory reporting of the insurance and reinsurance undertakings. The guideline was adopted upon Albanian Financial Supervisory Authority Board Decision no. 10, date 08 Feb 2007. This publication includes a presentation of detailed data about the activities, obligations and technical outcome, which have been organized according to the portfolios, assets covering technical provisions, structure of technical provisions, technical and financial indicators, data from the technical account of the primary portfolios, etc. They have been organized also according to life and non-life type of insurance, as well as, for the market as a whole. Data from 2005, 2006, 2007, 2008 was used to study the insurance market trend.

Data for the preparation of this report are processed through Excel program. The supervision report can be accessed via Albanian FSA official website, www.amf.gov.al in both .pdf and .xls format, respectively.

Blank copies of the returns and associated instructions are available on the AFSA website.

In 2008, the implementation of IFRS took place. IFRS Implementation was followed by according changes in valuing some balance sheet accounts and their presentation.

Assets covering technical provision are publicate after financial analysis of insurance companies from Authority.Gross Domestic Product is sourced from Bank of Albania, Annual Report 2008.

Insig sh a is a composite company carrying both life and non life insurance business, but for analytical purpose (according to the company statements as well) it is divided into the life and non life components.







SHËNIME SQARUESEBurimi i të dhënave dhe baza e përgatitjes

Për përpilimin e tabelave të këtij publikimi janë përdorur pasqyrat financiare vjetore (bilancet, llogaritë fitim-humbje, llogaritë teknike dhe provigjonet teknike të miratuara nga Bordi i AMF) të shoqërive të sigurimit, të miratuara paraprakisht nga ekspertët kontabël të autorizuar. Këto pasqyra përbëjnë bazën e të dhënave të për


INSURANCE MARKETSUPERVISION REPORT

‘08‘08

ALBANIAamf AUTORITETI I MBIKËQYRJES FINANCIAREFINANCIAL SUPERVISORY AUTHORITY

ALBANIAAUTORITETI I MBIKËQYRJES FINANCIARE

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