Other economic, social and environmental impact of the Triglav Group′s operations


2015

2014

2013

Index

 

 

 

 

2015/2014

2014/2013

1. Other economic impacts (in million EUR)

 

 

 

 

 

Economic value generated*

1,224.8

1,149.2

1,106.9

107

104

Economic value distributed

1,176.8

1,084.0

1,061.3

109

102

 - Net claims incurred and other insurance expenses

627.8

678.8

592.2

92

115

 - Expenses from financial assets

176.8

56.2

111.0

315

51

 - Other expenses

16.9

15.4

14.9

110

103

 - Operating costs**

129.8

127.2

129.5

102

98

 - Dividend payments

56.8

38.6

45.4

147

85

 - Tax expense (income tax expense)

13.6

14.7

13.8

92

107

 - Community investments (prevention activities, donations, sponsorships)

6.7

6.0

6.7

112

89

 - Employee wages, allowances and benefits

148.4

147.2

147.8

101

100

Economic value retained

48.0

65.2

45.5

74

143

2. Social impact (Zavarovalnica Triglav)




Average training hours per employee

26

22

27

118

81

Number of insurance policies (products, services) sold online  

13

12

12

108

100

Number of insurance products encouraging preventive actions

62

69

67

90

103

Personal data protection (number of fines received - target is zero)

0

0

0

0

0

Fair business practices (share of investigated fraud cases in %)

92

93

89

99

104

3. Impact on the environment




Electricity consumption in MWh (Zavarovalnica Triglav)

5,092

5,347

5,621

95

95

Carbon footprint:




 - Zavarovalnica Triglav (tons of CO2 equivalent)  

4,944

5,107

5,419

97

94

 - Triglav Osiguranje, Sarajevo (tons of CO2 equivalent)  

174

169

-

103


 - Triglav Osiguranje, Belgrade (tons of CO2 equivalent)  

471

421

-

112


 - Lovćen Osiguranje, Podgorica (tons of CO2 equivalent)  

195

165

-

118


 - Triglav Osiguruvanje, Skopje (tons of CO2 equivalent)  

372

159

-

234


 - Zavarovalnica Triglav (tons of CO2 equivalent per employee)  

2.1

2.2

2.3

95

96

Waste sorting (share of employees participating in Zavarovalnica Triglav in %)

91

91

74

100

123

* Economic value generated = net premium earned and other insurance income + income from financial assets + other income.  

** Operating costs include payments to suppliers, acquisition expenses etc. 

For additional information please contact:

Zavarovalnica Triglav d.d., Ljubljana
Miklošičeva cesta 19, 1000 Ljubljana
Tomaž Žust, Director of Strategic Planning and Controlling Department
Phone: ++386 (1) 47 47 449
Fax: ++386 (1) 23 16 456
E-mail: tomaz.zust@triglav.si