presents
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presentsXPRIMM Insurance
Report AGREGATED REGIONAL RESULTS COUNTRY RESULTS TRENDS COMPANIES RANKINGS MAJOR GROUPS
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Country Statistics
Xprimm.com – your gateway to the East
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CEE & Turkey18 countriesAlbaniaBosniaBulgariaCroatiaCzech Rep.EstoniaHungaryKosovo TerritoryLatviaLithuaniaMacedonia (FYROM)MontenegroPolandRomaniaSerbiaSlovakiaSloveniaTurkey
Russia & CIS11 countriesRussiaUkraineBelarusRep. MoldovaKazakhstanKyrgyzstanTajikistanTurkmenistanUzbekistanArmeniaAzerbaijan
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December 31st, 2010
Gross Written PremiumEUR 33.1 billion
2010/2009 7.40%2009/2008 -7.63%
2008/2007 9.31%
Paid ClaimsEUR 19.13 billion
-2.97%
Poland40.97%
Czech Republic18.80%
Hungary9.14%
Romania6%
Slovenia6.33%
Slovakia**6.24%
Croatia3.78%
Bulgaria2.22%
Serbia1.62%
Lithuania1.36%
Latvia0.8%
Estonia1.3%
other1.17%
The CEE markets – 2010 results
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2008 – Hungary & Estonia – first markets hit by the crisis– massive drop on the life lines (mainly single premium
and Unit-Linked)
The CEE markets – the 3 years crisis history
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1H2009– the downward trend covered the entire region– life and motor lines = main factors of the fall- the very small markets – still in possitive territory
The CEE markets – the 3 years crisis history
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2009 – 1H2010– first signs of negative trend slowing down; first markets entering on the upward trail-againg, life segment is the driver factor
The CEE markets – the 3 years crisis history
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2010- The “motor” dependent markets - delayed recovery - Austerity measures are drying out the small markets’ growth potential
The CEE markets – the 3 years crisis history
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CountryOverall GWP Change
10/09Regional market share
2010 2009 2010 2009EUR m. EUR m. % % %
Albania 58.74 56.58 3.82 0.18 0.18 Bosnia and Herzegovina 178.53 173.15 3.11 0.54 0.56 Bulgaria 730.60 859.74 NA 2.21 2.79 Croatia 1,251.76 1,288.05 -2.82 3.78 4.18 Czech Republic 6,224.27 5,447.22 14.27 18.80 17.68 Estonia 425.54 366.81 16.01 1.29 1.19 Hungary 3,024.35 3,050.53 -0.86 9.14 9.90 Kosovo 71.20 67.80 5.01 0.22 0.22 Latvia 270.71 317.73 -14.80 0.82 1.03 Lithuania 449.46 446.60 0.64 1.36 1.45 Macedonia 105.37 101.06 4.27 0.32 0.33 Montenegro 61.92 64.22 -3.58 0.19 0.21 Poland 13,559.33 11,865.08 14.28 40.97 38.50 Romania 1,988.89 2,093.25 -4.99 6.01 6.79 Serbia 537.36 559.98 -4.04 1.62 1.82 Slovakia 2,066.67 1,985.38 4.09 6.24 6.44 Slovenia 2,094.34 2,074.32 0.97 6.33 6.73 CEE REGION 33,099.07 30,817.52 7.40 100.00 100.00 Note: For Bulgaria, all presented data are for January-November 2010
CEE 2010 – GWP evolution
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Property insurance 5.3%
Country
OVERALL PROPERTY INSURANCE GWP
% in all GWP
Change 10/09
Regional market share Paid claims
Change 10/09
2010 2009 2010 2009 2010 2009
EUR m. EUR m. % % % EUR m. EUR m. %
Albania 7.63 5.91 12.98 29.08 0.21 0.17 0.97 0.66 47.67Bosnia and Herz. 20.59 20.11 11.53 2.37 0.56 0.57 NA NA NA Bulgaria 113.82 142.10 15.58 NA 3.08 4.05 26.59 20.60 NA Croatia 181.10 186.01 14.47 -2.64 4.90 5.30 91.92 105.79 -13.11Czech Republic 804.13 750.46 12.92 7.15 21.76 21.39 485.40 377.00 28.75Estonia 62.78 58.34 14.75 7.61 1.70 1.66 28.30 24.84 13.92Hungary 505.51 509.97 16.71 -0.87 13.68 14.53 322.67 193.71 66.57Latvia 42.15 45.42 15.57 -7.20 1.14 1.29 18.98 16.31 16.39Lithuania 60.44 64.47 13.45 -6.26 1.64 1.84 35.19 35.53 -0.97Macedonia 20.75 19.43 19.70 6.79 0.56 0.55 7.75 7.51 3.18Montenegro 6.95 6.41 11.23 8.47 0.19 0.18 NA NA NA Poland 1,041.62 859.24 7.68 21.23 28.19 24.49 760.00 408.60 86.00Romania 251.09 259.24 12.62 -3.14 6.80 7.39 86.41 75.09 15.06Serbia 118.97 126.27 22.14 -5.78 3.22 3.60 44.32 43.70 1.42Slovakia 225.66 227.41 10.92 -0.77 6.11 6.48 NA 66.02 NA Slovenia 231.49 228.32 11.05 1.39 6.27 6.51 135.22 181.14 -25.35CEE REGION 3,694.67 3,509.12 11.16 5.29 100.00 100.00 2,043.70 1,556.50 31.30Note: for Bosnia and Herzegovina and Slovakia (2010) are estimations
CEE 2010 – property insurance
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CountryGWP Change
10/09Overall paid claims Claims Change
10/092010 2009% EUR m. EUR m. %
Albania 3.82 16.42 12.53 31.05Bosnia and Herzegovina 3.11 NA NA NABulgaria NA 363.81 394.40 NACroatia -2.82 594.72 653.42 -8.98Czech Republic 14.27 3,299.78 2,861.18 15.33Estonia 16.01 234.49 205.34 14.19Hungary -0.86 2,164.31 1,928.18 12.25Kosovo 5.01 26.60 18.80 41.49Latvia -14.80 157.97 218.94 -27.85Lithuania 0.64 270.91 306.99 -11.75Macedonia 4.27 48.59 48.42 0.34Montenegro -3.58 NA NA NAPoland 14.28 9,204.68 9,283.46 -0.85Romania -4.99 1,292.02 1,282.78 0.72Serbia -4.04 220.38 234.68 -6.09Slovakia 4.09 NA 1,034.12 NASlovenia 0.97 1,242.83 1,239.93 0.23CEE REGION 7.40 19,137.49 19,723.17 -2.97
Note: For Bulgaria, all presented data are for January-November 2010
CEE 2010 – Claims evolution
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AL BiH HR CZ EE HU LV LT MK MN PL RO SRB SK SI CEE (5.00)
-
5.00
10.00
15.00
20.00
25.00
30.00
35.00
40.00
16.61
6.62
(2.31)
25.85
36.73
4.81
17.93
11.53
17.21
3.67
12.41
3.04
7.86 9.47
3.88
12.61
Life insurance 12.6%
CEE 2010 – life insurance
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Albania 10.41 %Bosnia and Herzegovina 18.78 %Bulgaria 15.04 %Croatia 26.59 %Czech Republic 46.00 %Estonia 42.87 %Hungary 53.18 %Latvia 17.25 %Lithuania 34.77 %Macedonia 5.47 %Montenegro 13.53 %Poland 58.02 %Romania 19.54 %Serbia 16.55 %Slovakia 54.50 %Slovenia 31.32 %CEE REGION 46.77 %
CEE 2010 – weight of life insurance in countries portfolios
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Motor insurance 0.14%AL BiH BG HR CZ EE HU LV LT MK MN PL RO SRB SK SI
-30.00
-25.00
-20.00
-15.00
-10.00
-5.00
0.00
5.00
10.00
15.00
20.00
AUTO CASCO RCA
CEE 2010 – motor insurance
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Turkey
Business line2010 GWP
2009 GWP
NOMINAL EVOLUTION
(%)EUR m. EUR m. %
TOTAL MARKET 6,842.19 5,776.16 18.46 TOTAL LIFE 1,056.30 846.40 24.80 TOTAL NON-LIFE 5,785.90 4,929.75 17.37 Accident 289.77 251.02 15.44 Health 825.90 657.31 25.65 Marine 144.62 121.41 19.12 Overall property insurance 1,439.72 1,328.42 8.38
Fire and allied perils 958.75 894.32 7.20 Damages to property 480.97 434.10 10.80
Overall motor insurance 2,741.67 2,285.52 19.96 Motor Hull 1,509.23 1,240.72 21.64 MTPL 1,232.44 1,044.80 17.96
GTPL 158.65 117.02 35.58 Other non-life insurance 185.56 169.06 9.76
All insurance lines on positive trend
Market portfolio:Life ins.: 15%Non-life: 85%
• Motor: 40%• Property: 21%• Health: 12%• Other: 11%
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The CIS markets – 2010 results
December 31st, 2010
Population 132.9 million
Gross Written PremiumEUR 3.6 billion
2010/2009 20.8%
Paid ClaimsEUR 861 million
Armenia 0.5%
Azerbaidjan 4.1 %Belarus 9.3%
Kaza-khstan 21.7 %
Kyrgyzs-tan 0.2%
Moldova 1.5% Tajik-
istan 0.4%
Turk-menistan
1.1%
Ukraine 59.0%
Uzbekistan 2.2%
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The Russia & CIS markets – 2010 results
December 31st, 2010
Population 274.1 billion
Gross Written PremiumEUR 29.4 billion
2010/2009 15.3%
Paid ClaimsEUR 19.9 billion
Belarus 1.1% Kazakhstan 2.7%
Ukraine 7.3
%
Russia 87.7%
Other 7 countries 1.2%
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Russia & CIS 2010 – GWP evolution
Nr. CountryGWP 2010 GWP 2009 GWP CHANGE
10/09
EUR m. EUR m. %1 Armenia 17.16 13.08 31.1 2 Azerbaidjan 147.34 142.02 3.7 3 Belarus 337.09 271.60 24.1 4 Kazakhstan 786.24 622.42 26.3 5 Kyrgyzstan 8.61 7.53 14.3 6 Moldova 55.78 52.38 6.5 7 Tajikistan 16.00 9.0 77.8 8 Turkmenistan 39.63 34.43 15.1 9 Ukraine 2,137.49 1,781.83 20.0 10 Uzbekistan 79.2 66.0 20.0
TOTAL CIS 3,624.5 3,000.3 20.8 11 Russia 25,812.30 22,540.70 14.5
TOTAL CIS & RUSSIA REGION 29,436.8 25,541.0 15.3
Positive aggregate results in all CIS countries
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Russia & CIS 2010 – Ins. Density
Development perspectives
Russia
Kazakh
stan
Ukraine
Belarus
Azerbaid
jan
Moldova
Turkm
enista
n
Armen
ia
Uzbekista
n
Tajikis
tan
Kyrgyzs
tan -
20.0
40.0
60.0
80.0
100.0
120.0
140.0
160.0
180.0
200.0 182.8
49.1 46.6 35.1
17.1 15.5 6.6 5.5 2.9 2.2 1.6
EUR/capita
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Project CoordinatorDaniela GHEŢUEditorial Director [email protected]
Coordinating EditorVlad BOLDIJAR [email protected]
Senior EditorsOleg DORONCEANUOlesea SERGHIESCUConsultantAndreea STATE
XPRIMM Insurance Report
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Asigurăm Viitorul Împreună Tendinţe de Dezvoltare
şi Protecţie a Societăţii
Piaţa de asigurări
20 de ani de existenţă
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