Tradition or future? We unify both.

Tradition or future?

EUR 100.9 million

Net profit before tax of the Triglav Group

EUR 1,184.2 million

Gross written premium of the Triglav Group

»A«

Credit rating with a stable medium-term outlook

The Triglav Group and Zavarovalnica Triglav d.d. Annual Report 2019

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We unify both.

91.5%

The combined ratio of the Triglav Group

10.9%

Return on equity of the Group

52.6%

The share of highly engaged employees

The mission of the Triglav Group is to build a safer future.

The current global situation means we are even more connected; combining modern technology, expertise of our employees and strong professional relationships; we will remain committed to this in the future.

We thank our employees, shareholders, customers and all partners for their achievements in our 120th year. We are especially grateful for the sacrifice of those of you who take care of our health and ensure our daily care and safety during these challenging times.

Address by the President of the
Management Board

Good business results of the Group in both core activities

We achieved premium growth on all insurance markets in the Adria region and increased the volume of assets in mutual funds by 68%. The Triglav Group is actively pursuing the strategic guidelines outlined until 2022.

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Andrej Slapar

President of the Management Board of Zavarovalnica Triglav

A firm leader in the Adria region

Slovenia

1st rank, 35.5% market share
+10% written premium***

Croatia

8th rank, 4.6% market share
+14% written premium***

Serbia

5th rank, 6.4% market share*
+19% written premium***

Montenegro

1st rank, 38.7% market share
+11% written premium***

Bosnia and Herzegovina

5th rank, 7.7% market share**
+9% written premium***

North Macedonia

1st rank, 13.8% market share
+1% written premium***
  • * Q1–3 2019 data
  • ** H1 2019 data
  • *** The data show the growth of the Triglav Group’s gross written premium by an individual market.
Protecting business excellence
Video Triglav
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EKWB, from young innovator to world business leaders

Meet the high-tech company EKWB and its founder Edvard König. As the first in the Adria region, we are protecting business excellence by also providing cyber protection insurance for SMEs.

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

Choose year: 2017 2018 2019

New products

Creating new types of insurance products for new forms of mobility

Sustainable development and management of ESG factors at the Triglav Group

Social and environmental impacts of our operations are explained in accordance with the international sustainability reporting standards GRI and the implementation of the United Nations Sustainable Development Goals (SDG).