Annual Report of the Triglav Group and Zavarovalnica Triglav d.d. |

Our results in 2018

+7%

EUR 1,068.4 million

Gross written premium for insurance contracts of the Triglav Group

+15%

EUR 97.5 million

Net profit/loss before tax of the Triglav Group

91.8%

Combined ratio of the Triglav Group

Credit ratings

»A«

with stable medium-term outlook

10.8%

Return on equity of the Triglav Group

Triglav Group’s plans for 2019

Budgeted net profit/loss before tax: EUR 90–100 million
Budgeted gross written premium for insurance and co-insurance contracts: around EUR 1,100 million
Budgeted combined ratio: around 95%

Interview with President of the Management Board Andrej Slapar

Andrej Slapar presents his view on the 2018 business results and highlights the implementation of the revised Triglav Group Strategy.

How do you see the performance of the Triglav Group in 2018?

We are pleased that 2018 was another successful year. Profit before tax amounted to EUR 97.5 million which was 15% more than in 2017.

Leading position in the Adria region

Slovenija

1^st rank

35.4%

market share

Croatia

9^th rank

4.4%

market share

Bosnia and
Herzegovina*

6^th rank

8.0%

market share

Serbia**

5^th rank

6.0%

market share

Montenegro***

1^st rank

37.9%

market share

North
Macedonia****

1^st rank

14.5%

market share

* Market share of Triglav Osiguranje, Sarajevo and Triglav Osiguranje, Banja Luka (H1 2018 data)
** Q 1–3 2018 data
*** Market share of Lovćen Osiguranje and Lovćen životna osiguranja
**** Market share of Triglav Osiguruvanje, Skopje and Triglav Osiguruvanje Život, Skopje

Growth was recorded in all insurance segments and in all insurance markets.

Gross written premium of the Triglav Group by market (in EUR million)

The Artros Orthopaedic Centre was again among the recipients of Excellence Awards given by Triglav, Zdravstvena zavarovalnica for client satisfaction. In order to better understand the experiences and needs of its clients and to develop its products and partnerships on that basis, we upgraded our client satisfaction monitoring related to additional health insurance.

The Triglav Group and Zavarovalnica Triglav d.d. Annual Report 2018

Our stories

Our results in 2018

Credit ratings

Triglav Group’s plans for 2019

Interview with President of the Management Board Andrej Slapar

How do you see the performance of the Triglav Group in 2018?

Leading position in the Adria region

Gross written premium of the Triglav Group by market (in EUR million)

Going further to be closer.

Compare the three-year data trends of the Triglav Group.