PIAA ROM NEASC 2010 O NTOARCERE N TIMP

PIAȚA ROM NEASCĂ 2010 O ÎNTOARCERE ÎN TIMP ROMANIAN INSURANCE MARKET 2010 A TIME TRAVEL Alex. ROSCA Editor in Chief PRIMM Publications - Insurance & Pensions ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

IN BRIEF • DINAMICA PIEȚEI 1999 – 2009 • MARKET DYNAMIC 1999 -2009 • REPERE ALE DINAMICII • DYNAMICS MILESTONES • PERSPECTIVE 2010 • 2010 PERSPECTIVES ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

ROMANIAN MARKET 1999 -2009 Non-life insurance (EUR mil. ) • Non-life ~ 1, 7 mld. EUR • Life< 400 mil. EUR Life insurance (EUR mil) 2, 1 mld. EUR ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

BILANȚ 2009 GWP : EUR 2, 11 bln. EUR. (MAI 2009: 2, 19) DYNAMIC: -13% (+13% - 2008) NEGATIVE DYNAMIC 26 from 40 insurers Insurance Density: 2009: 97. 10 EUR 2008: 111, 75 EUR Penetration Degree: +0, 05 pp. up to 1, 82% from GDP ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

STRUCTURA PIEȚEI 1999 -2009 100% Others 90% Alte asigurari generale 80% CREDIT 70% Asigurari de credite si garantii PROPERTY 60% Asigurari tip PROPERTY 50% MTPL 40% Asigurari RCA 30% MOTOR HULL 20% Asigurari auto CASCO 10% LIFE INSURANCE Asigurari de viata 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 0% ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

MARKET STRUCTURE- 2009 -2, 09 LIFE INSURANCE +0. 88 PROPERTY -2. 35 MOTOR HULL +4. 52 MTPL OTHER ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

1 Q 2010 – MARKET RESULTS GWP: EUR 560 m. DECREASE: -2, 21% (-12, 33% - 1 Q 2008) NEGATIVE DYNAMIC 16 from 33 MTPL LEADER BECAME THE NEW MARKET LEADER ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

MARKET STRUCTURE – T 1 2010 +2, 52 LIFE INSURANCE +2, 02 PROPERTY -6, 50 MOTOR HULL +5. 74 MTPL OTHER ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

NON-LIFE TOP 3 (mil. EUR) ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

LIFE TOP 3 (mil. EUR) ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

MTPL DEVELOPMENT 1 Q 2007 -2010 ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

2010 FORECAST ~2 mld. EUR ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

SURSA DATELOR: ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL