presents CEE Russia CIS Insurance markets 2009 AGREGATED
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presents CEE, Russia & CIS Insurance markets 2009 AGREGATED REGIONAL RESULTS COUNTRY RESULTS TRENDS COMPANIES RANKINGS MAJOR GROUPS
CEE Survey 2009 Russia & CIS Albania (AL) Bosnia and Herzegovina (Bi. H) Bulgaria (BG) Croatia (HR) Czech Republic (CZ) Estonia (EE) Hungary (HU) Latvia (LV) Lithuania (LT) Macedonia (MK) Montenegro (MN) Poland (PL) Romania (RO) Serbia (SB) Slovakia (SK) Slovenia (SI) Belarus Moldova Kazahstan Russia Ukraine Uzbekistan + Turkey
The CEE markets in the European landscape Gross Written Premium 2008 EUR 1, 056 billion CEE market = 3. 21% Belgium 2, 75% Sweden 2, 28% Denmak 2, 01% Switzerland 3, 14% Spain 5, 54% Netherlands 7, 21% Italy 8, 71% Germany 15, 56% Austria 1, 00% CEE 3, 21% Other 7, 13% United Kingdom 23, 58% France 17, 36% Source: CEA, national supervision authorities, insurers associations
The CEE markets – market shares December 31 st, 2009 Gross Written Premium EUR 31. 3 billion Estonia 1, 17% other Serbia Lithuania Latvia 1, 17% 1, 79% 1, 43% 1, 21% Croatia Bulgaria 4, 12% 2, 72% 2009/2008 -7. 63% 2008/2007 9. 31% Slovakia** 6, 00% Poland 39, 94% Slovenia 6, 63% Romania 6, 74% Hungary 9, 74% Czech Republic 16, 89% Paid Claims EUR 20. 1 billion 17. 5%
The CEE markets – GWP growth rates 2009/2008 -7. 63% 2008/2007 9. 31% 30 AL Bi. H BG HR CZ EE HU LV LT MN PL RO SRB SK SI CEE 22, 93 20 19, 11 17, 41 10 16, 35 6, 84 5, 02 4, 29 0, 96 0 -10 -0, 14 -2, 54 -8, 20 13, 63 9, 06 6, 01 2, 85 2, 28 4, 22 -5, 21 -12, 05 -13, 11 -20 -22, 49 -30 -25, 49 y-o-y change 2008 / 2007 y-o-y change 2009 / 2008 9, 31 2, 76 0 -1, 28 -8, 37 -9, 38 6, 77 -3, 87 -7, 63
The CEE markets – paid claims growth rates 70 58, 78 60 48, 89 50 38, 18 40 29, 89 30 29, 47 16, 26 20 10 37, 94 1, 44 30, 68 31, 10 18, 68 11, 89 10, 16 6, 02 4, 38 9, 93 8, 43 4, 75 2, 90 0 AL BG HR CZ EE -10 -20 -11, 88 2008/2007 HU -2, 61 LV LT -10, 30 2009/2008 PL RO -0, 98 SRB SI
The CEE markets – insurance density Insurance density -7. 63% 1 200 1 038 1 010 1 000 800 508 487 600 286 282 300 293 400 18 18 44 44 AL Bi. H 374 329 337 305 220 164 169 131 123 113 50 34 107 101 389 374 275 254 113 99 80 76 RO SRB 0 BG HR CZ EE 2009 HU LV LT MK 2008 MN PL SK SI CEE
The CEE markets – insurance portfolio CEE Slovenia Slovakia Serbia Romania Poland Macedonia* Lithuania Latvia Hungary Estonia Czech Rep. Croatia Bulgaria Albania 0% 10% Life 20% Other 30% 40% Property 50% 60% Motor Hull 70% 80% MTPL 90% 100%
The CEE markets – life insurance dynamic Life insurance -13. 7% 30, 00 25, 4 20, 00 14, 7 11, 5 10, 00 4, 6 5, 2 Bi. H EE 7, 0 0, 00 RO PL BG LV HU -10, 00 LT SK -3, 4 HR -2, 0 SI -2, 0 MN SRB AL CEE -9, 5 -12, 6 -20, 00 -21, 9 -21, 1 -30, 00 CZ -13, 7 -19, 3 nominal change in euro 2009/2008
The CEE markets – non-life insurance dynamic Motor insurance -4. 75% Property insurance 2. 8% AL BG CZ HR EE HU LV LT MK PL 20, 00 10, 00 4, 8 7, 1 7, 6 -40, 00 -50, 00 SK 1, 35 1, 1 -4, 33 -2, 88 -2, 0 -5, 30 -3, 43 SI CEE 14, 5 5, 0 1, 92 3, 3 -0, 05 2, 8 -2, 35 -4, 75 -9, 7 -9, 66 -9, 98 -13, 4 -10, 08 -20, 00 -30, 00 SRB 13, 6 0, 00 -10, 00 RO -27, 55 -28, 6 -31, 93 -34, 9 -39, 7 -44, 43 change in GWP motor ins. 2009/2008 change in GWP property ins 2009/2008
CEE, Russia & CIS Insurance markets 2009 Project Coordinator Daniela GHEŢU Editorial Director daniela. ghetu@mxp. ro Coordinating Editor Vlad BOLDIJAR Senior Editors Vlad PANCIU Oleg DORONCEANU Andreea IONETE Editor Mihai CRACEA Consultant Andreea STATE We wish you successful recovery!
