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Annual Report of the Triglav Group 2008

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SAFETY. ASSISTANCE. RESPONSIBILITY. annual report of the triglav group 2008 WorldReginfo - 2adfe117-307a-408f-90c7-0539eb75de50 WorldReginfo - 2adfe117-307a-408f-90c7-0539eb75de50 annual report of the triglav group 22008008 WorldReginfo - 2adfe117-307a-408f-90c7-0539eb75de50 WorldReginfo - 2adfe117-307a-408f-90c7-0539eb75de50 content 3 business overview 8 1. FINANCIAL HIGHLIGHTS OF THE TRIGLAV GROUP IN 2008 54 9. PERFORMANCE OF THE TRIGLAV GROUP IN 2008 8 1.1 Zavarovalnica Triglav d.d. - Company Profi le 54 9.1 Gross written premium for insurance and co-insurance 8 1.2 Financial highlights of the Triglav Group contracts in 2008 9 1.3 Performance of Zavarovalnica Triglav d.d. 57 9.2 Gross claims paid in 2008 9 1.4 Triglav Group 60 9.3 Gross operating costs in 2008 10 1.5 Activities of the Triglav Group 61 9.4 Risk equalisation in 2008 11 2. ADDRESS BY THE PRESIDENT OF THE MANAGEMENT BOARD 62 10. FINANCIAL RESULT OF THE TRIGLAV GROUP IN 2008 15 3. REPORT OF THE SUPERVISORY BOARD 68 11. FINANCIAL STANDING OF THE TRIGLAV GROUP IN 2008 26 4. VALUES, MISSION AND VISION OF THE TRIGLAV GROUP 71 12. RISK MANAGEMENT 26 4.1 Values 71 12.1 Measures for insurance risk management 26 4.2 Mission 73 12.2 Measures for fi nancial risk management 26 4.3 Vision 75 12.3 Operational risk management measures 75 12.4 Internal audit 27 5. TRIGLAV GROUP STRATEGY 2009 - 2011 27 5.1 The Triglav Group in the 2009 - 2011 period 77 13. DEVELOPMENT AND MARKETING ACTIVITIES 27 5.2 Strategic platform IN THE TRIGLAV GROUP 27 5.3 Strategic objectives for three major regions 77 13.1 Marketing and sales activities 28 5.4 Strategic measures 79 13.2 Development activities 81 13.3 Investments in property and equipment in 2008 30 6. STATEMENT ON THE MANAGEMENT AND GOVERNANCE 81 13.4 Organisation of the Triglav Group in 2008 OF THE TRIGLAV GROUP 82 13.5 ISO 9001 quality management system of Zavarovalnica Triglav 30 6.1 Statement of the management of the company 82 13.6 Development of IT support 31 6.2 Management of Zavarovalnica Triglav 31 6.3 General Meeting of Shareholders 86 14. SUSTAINABLE DEVELOPMENT IN THE TRIGLAV GROUP 32 6.4 Management Board 86 14.1 Human resources management 35 6.5 Supervisory Board 89 14.2 Responsibility to the social and natural environments 36 6.6 Remuneration of the Management and Supervisory Board members 36 6.7 Management of subsidiaries 93 15. SUBSEQUENT EVENTS 37 6.8 Internal and external audit 95 16. INFORMATION ON THE TRIGLAV GROUP 40 7. SHARE CAPITAL AND SHAREHOLDERS OF ZAVAROVALNICA TRIGLAV D.D. AS AT 31 DECEMBER, 2008 40 7.1 Equity 40 7.2 Shares of Zavarovalnica Triglav 97 17. THE BUSINESS NETWORK OF THE TRIGLAV GROUP 43 7.3 Information for shareholders 97 17.1 Insurance and co-insurance 43 7.4 Credit rating of Zavarovalnica Triglav 98 17.2 Investment fund and asset management 43 7.5 Privatisation of Zavarovalnica Triglav 44 7.6 Dividend policy 99 18. GLOSSARY OF INSURANCE TERMS 45 8. REPORT ON THE OPERATIONS OF THE TRIGLAV GROUP 45 8.1 General economic environment in Slovenia 45 8.2 Infl uence of the environment on the performance of the Triglav Group 46 8.3 The insurance market and market position of group members in 2008 47 8.4 Operations of the Triglav Group in other markets WorldReginfo - 2adfe117-307a-408f-90c7-0539eb75de50 4 content fi nancial overview 109 I. INDEPENDENT AUDITOR’S REPORT 140 5. SEGMENT REPORTING 140 5.1 Business segments 110 II. CONSOLIDATED FINANCIAL STATEMENTS 143 5.2 Geographical segments 110 A) Consolidated balance sheet 111 B) Consolidated income statement 147 6. NOTES TO THE BALANCE SHEET AND INCOME STATEMENT 112 C) Consolidated statement of changes in equity2 147 6.1 Property, plant and equipment 114 D) Consolidated cash fl ow statement4 148 6.2 Intangible assets 150 6.3 Non-current assets held for sale 115 1. GENERAL INFORMATION 150 6.4 Investment property 151 6.5 Investments in associates 120 2. SIGNIFICANT ACCOUNTING POLICIES 152 6.6 Financial assets 120 2.1 Accounting judgments and estimates 154 6.7 Insurance receivables 120 2.2 Functional and presentation currency 155 6.8 Assets from reinsurance contracts 120 2.3 Property, plant and equipment 155 6.9 Deferred tax assets and liabilities 121 2.4 Intangible assets 156 6.10 Cash and cash equivalents 121 2.5 Investment property 156 6.11 Other assets 121 2.6 Investments in associates 156 6.12 Equity 121 2.7 Financial assets (except insurance receivables and cash) 159 6.13 Insurance contract liabilities 122 2.8 Fair value of fi nancial instruments 160 6.14 Other provisions 122 2.9 Derecognition of fi nancial assets 160 6.15 Financial liabilities 123 2.10 Insurance receivables 161 6.16 Liabilities from insurance operations 123 2.11 Assets from reinsurance contract 161 6.17 Other liabilities 123 2.12 Impairment 162 6.18 Premium income 124 2.13 Cash and cash equivalents 163 6.19 Investment income 124 2.14 Other assets 164 6.20 Investment property income 124 2.15 Taxes 164 6.21 Fees and commission income 124 2.16 Equity 164 6.22 Fair value gains and losses 125 2.17 Insurance contract liabilities 165 6.23 Realised gains and losses 125 2.18 Other reserves 165 6.24 Other income from insurance operations 126 2.19 Financial liabilities 165 6.25 Other income 126 2.20 Insurance payables 166 6.26 Claims 126 2.21 Insurance premium income 167 6.27 Expenses for bonuses and charges 126 2.22 Insurance claims expenses 168 6.28 Changes in insurance contract liabilities 126 2.23 Income and expense from fi nancial assets 168 6.29 Acquisition costs and other operating expenses 126 2.24 Investment property income and expense 171 6.30 Finance costs 126 2.25 Acquisition costs and other operating expenses 171 6.31 Investment property expense 126 2.26 Other income and expenses 171 6.32 Other expenses from insurance operations 127 2.27 Adoption of new and revised IFRS 171 6.33 Other expenses 172 6.34 Income tax expense 129 3. MAIN ASSUMPTIONS 172 6.35 Related party transactions 129 3.1 Parameters and assumptions in calculating life-insurance provisions 174 6.36 Slovakia branch offi ce 129 3.2 LAT - Liability Adequacy Test for life insurance 175 6.37 Profi t per share 129 3.3 Classifi cation of products in groups for life insurance 175 6.38 Cash fl ow statement 130 3.4 Parameters and assumptions applied to life insurance 175 6.39 Contingent liabilities 131 3.5 Results of the liability adequacy test 177 6.40 Review by the Insurance Supervision Agency (AZN) 131 3.6 Sensitivity analysis 178 6.41 Subsequent events 131 3.7 Parameters and assumptions applied to non- life insurance 131 3.8 Liability Adequacy Test for non-life insurance 132 4. RISK EXPOSURE AND MANAGEMENT 132 4.1 Financial risks 136 4.2 Sensitivity analysis 137 4.3 Underwriting risk 139 4.4 Risks related to capital and capital adequacy and the management thereof WorldReginfo - 2adfe117-307a-408f-90c7-0539eb75de50 content 5 appendix 180 1. CONSOLIDATED BALANCE SHEET AS AT 31 DECEMBER, 2008 180 1.1 Consolidated balance sheet as at 31 December, 2008 183 1.2 Consolidated balance sheet for non-life insurance as at 31 December, 2008 186 1.3 Consolidated balance sheet for life insurance as at 31 December, 2008 189 2. CONSOLIDATED INCOME STATEMENT FOR THE YEAR ENDING 31 DECEMBER, 2008 194 3. CONSOLIDATED ASSETS AND LIABILITIES OF TECHNICAL ACCOUNT 194 3.1 Consolidated assets and liabilities of technical account for life insurance, rent and supplementary pension insurance 195 3.2 Consolidated assets and liabilities of technical account - supplementary voluntary pension insurance 196 3.3 Consolidated assets and liabilities of technical account - unit- linked insurance 198 4. CONSOLIDATED INCOME STATEMENTS OF TECHNICAL ACCOUNT 198 4.1 Consolidated income statement for life insurance, rent and supplementary pension insurance 199 4.2 Consolidated income statement for supplementary voluntary pension insurance 200 4.3 Consolidated income statement for unit- linked insurance 201 5. INVESTMENT RETURN 201 5.1 Allocated investment return transferred from the non-tehnical account -non-life insurance 2008 202 5.2 Allocated investment return transferred from the non-tehnical account -non-life insurance 2007 WorldReginfo - 2adfe117-307a-408f-90c7-0539eb75de50 6 content WorldReginfo - 2adfe117-307a-408f-90c7-0539eb75de50 7 business overview WorldReginfo - 2adfe117-307a-408f-90c7-0539eb75de50 8 financial highlights of the triglav group in 2008 1. fi nancial highlights of the triglav group in 2008 1.1 ZAVAROVALNICA TRIGLAV D.D. - COMPANY PROFILE COMPANY NAME ZAVAROVALNICA TRIGLAV d.d. Registered offi ce Miklošičeva cesta 19, 1000 Ljubljana, Slovenia Phone: +386 1 474 72 00 Fax: +386 1 432 63 02 Email: [email protected] Website: www.triglav.si Entered in the Companies Register District Court of Ljubljana, registration no. 1/10687/00 Company registration number 5063345 Tax number 80040306 Share capital EUR 23,701,391.79 President of the Management Board Andrej Kocič Chairman of the Supervisory Board Damjan Mihevc, as of 7 April, 2009 Borut Jamnik Activities of Zavarovalnica Triglav d.d. Life insurance according to the Standard Classifi cation of Pension funds Activities Other non-life insurance Risk and damage evaluation services Services of insurance agents and brokers Other services auxiliary to insurance and pension funding Activities of the Triglav Group Insurance and reinsurance Investment fund and asset management Banking 1.2 FINANCIAL HIGHLIGHTS OF THE TRIGLAV GROUP IN EUR 2008 2007 INDEX Gross written premium 1,024,451,610 915,424,885 112 Gross claims paid* 617,964,516 498,960,083 124 Gross operating expenses 298,754,233 269,621,218 111 Insurance contract liabilities 1,904,571,984 1,814,693,465 105 Equity - total 526,960,357 624,871,422 84 - Triglav Group 481,806,347 579,111,070 83 Net profi t - Total 1,559,610 54,458,346 3 - Triglav Group 2,951,518 51,939,235 6 Return on equity - Total 0.3% 9.5% 3 - Triglav Group 0.6% 9.8% 6 Number of employees as at 31 December 5,174 4,829 107 Share book value 21.19 25.47** (101.89) 83 Net earnings per share 0.13 2.28** (9.14) 6 * Gross claims paid include claim-handling costs.
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