DOCSLIB.ORG

Annual Report for 2017

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Annual Report for 2017 Annual Report for 2017 Contents Management Report for 2017 ...................................................................................................................... I Corporate Governance Statement ............................................................................................................... II Consolidated and separate financial statements for 2017 .........................................................................III Supplementary statements prescribed by the Ordinance of the Croatian Financial Services Supervisory Agency ...................................................................................................................................................... IV Croatia osiguranje d.d. Management Report for 2017 Croatia osiguranje d.d. Insurance market of the Republic of Croatia in 2017 The insurance market in 2017 was extremely dynamic with a total increase of 4.5% (HRK +392 m), which is an acceleration of last year's premium market growth trends. Growth was recorded of all product lines, except casualties, where car casualties, loans and health insurance realised double- digit growth. The total life insurance premium amounted to HRK 2.99 bn. The trend of switching from classic life products (HRK -23m) to those in which the policyholder is exposed to investment risk (HRK 66m) has continued, with total life insurance rising by 1.5% (HRK 46m). The total non-life insurance premium in 2017 was HRK 6.2 billion. Motor vehicles account for almost half of total growth (HRK 159m), with motor vehicles accounting for 49% of total non-life insurance premiums. The drop in average price (HRK -7 / -0.7%) to HRK 922 is still under control, with the decline slowing down. The market had a growth of 73,000 new net policies, or 3.5%. Health insurance in total growth is accounted for by 25% growth (HRK 80m) and accounts for about 8% of total market premium. The rest relates to loans (HRK +42m) and fire insurance (HRK +46m). CROATIA osiguranje d.d., Jagićeva 33, Zagreb (hereinafter: Company), is the leading company in the Republic of Croatia in life and non-life insurance with market shares of 33.6% in the non-life insurance segment and 17.9% in the life insurance segment. The total market share of companies based in the Republic of Croatia amounts to 28.5% and -0.6 p.b. is lower than in 2016, primarily due to a fall in transportation (fronting premiums, leasing) and a slight fall in the segment of motor vehicles. 4 Croatia osiguranje d.d. Operating results and financial position of the Company and the Group Company Croatia osiguranje d.d. has been going through a transformation process since 2014. At the beginning, a financial restructuring was performed with a share capital increase amounting to HRK 840m, thus reaching a strong capital adequacy of 261 percent for the parent company based on no revised report. The organisational restructuring began in a situation where only about 23 percent of employees were in sales. By the end of 2017, this amount increased to 60 percent. The process continues, so that in the coming years there will be at least seventy percent of those who work in sales services and are directly oriented to the client.The sales part of the organisation has been restructured by reducing the number of organisational levels, and the sales structure is tailored to the specific market segments and is more focused on the client and the market, while the sales process itself has been significantly accelerated and digitised. A large number of products has been developed and improved, also including the price management system. The centralisation and automation in the process of claims processing has brought visible shifts. The process of restructuring the corporate culture is also going in the right direction. Measurement of the organisation's health, through the so-called OHI (Organizational Health Index) index shows positive changes in all of its elements, and key shifts were made in the area of innovation and knowledge sharing, customer orientation, and employee motivation. At the beginning of July, Croatia Croatia zdravstveno osiguranje d.d.merged with Croatia osiguranje d.d., and at the end of September regulatory authorities approved the acquisition of Cardif osiguranje by Croatia. This was followed by the previously defined process of organisational and market consolidation. A combination of stable and strong market positions, high organisational and cost effectiveness will enable long-term business sustainability. The restructuring results are visible in the financial results. In 2017, Croatia osiguranje d.d. reported profit before tax in the amount of HRK 184.5m (profit after tax of HRK 150.9m). Earned premiums amounted to HRK 2.158 million, which is an increase of 9%. The total gross written premium (before adjustments by the net increase in the provision for premium receivables and related write-offs) increased by 9% and amounted to HRK 2.463m. The written premium in non-life insurance amounted to HRK 1.930m, which is an increase of 11% compared to the same period last year. The largest increase is recorded in loan receivables and health insurance, while the largest decline is recorded in transportation insurance due to the stowage effect. The written premium in life insurance amounted to HRK 534m which is at the level of the previous year. In the non-life and life insurance investment business, revenues were realised in the amount of HRK 421m, which is 14% more than in 2016. Finance costs in 2017 have increased to HRK 168m. Gross paid claims amounted to HRK 1.424m representing an increase of 2% compared to the same period in 2016. Administrative costs amounted to a total of HRK 401m recording an increase of 19% compared to the same period in 2016. Acquisition costs amounted to a total of HRK 408 million recording an increase of 1% as a result of investments in sales. 5 Croatia osiguranje d.d. The following is a summary of key business indicators in 2017 calculated on the basis of the report to HANFAs, but according to the formulas shown below: Key performance indicators 31 Dec. 2015 31 Dec. 2016 Change in p.p. Claims ratio (non-life)* 59,0% 56,4% -2,6 Cost ratio (non-life)** 44,3% 42,8% -1,5 Combined ratio (non-life) 103,3% 99,2% -0,6 * Claims ratio = (Income from commissions and fees + Other insurance-technical income + Net Claims incurred + Cost for premium returns + Other technical expenses) / Net Earned premiums ** Cost ratio = Acquisition costs and administrative expenses / Net Earned premiums The combined ratio, as the indicator of success in non-life insurance in 2017, amounted to 99.2%, which is 4.1 percentage points better than in the same period of 2016. The claims ratio is better by 2.6 percentage points and amounted to 56.4%. The cost ratio amounted to 42.8% which is 1.5 percentage points lower than in 2016. Total assets of the Company as at 31 December 2017 amount to HRK 9.7 billion, which represents an increase of 11.1% compared to 31 December 2016. Technical reserves amounted to HRK 6.4 billion and are 7% higher than the technical provisions as of 31 December 2016. The structure of investments (HRK billion) 6 Croatia osiguranje d.d. Group In 2017, the CROATIA osiguranje d.d. Group (hereinafter: the Group) achieved consolidated profit after tax and non-controlling interest in the amount of HRK 253m. In 2017, the total gross written premium (before adjustments by the net increase in the provision for premium receivables and related write-offs) at the Group level amounted to HRK 3.141m, which represents an increase by 4%. The gross written premium of non-life insurance amounted to HRK 2.502m which represents an increase by 5%, while gross written premium of life insurance amounted to HRK 639m which represents an increase by 2%. Earned premiums in the reporting period amounted to HRK 2.720.1 m which represents an increase by 2,6% compared to the same period last year. In the non-life and life insurance investment business, the Group generated income from investments in the amount of HRK 500m which represents an increase of 28%, with an investment cost of HRK 171m which represents an increase of 74%. Gross claims in 2017 amounted to HRK 1.698m, which is a decrease of 3% compared to the same period last year. Acquisition costs and administrative expenses amounted to a total of HRK 1.145m and represents an increase by 5.1% in which administrative expenses increased by 7,7%, and acquisition cost increased by 2,5%. The increase in acquisition costs and administrative expenses is the result of, among other things, business reorganization. Total assets of the Group as at 31 December 2017 amount to HRK 11 billion, which represents an increase by 7% compared to 31 December 2016. Technical provisions amounted to HRK 7.2 billion, which represents an increase by 5.7% compared to the technical provisions as at 31 December 2016. 7 Croatia osiguranje d.d. Significant business events in the reporting period The Croatian Financial Services Supervisory Agency, at a session of the Administrative Council held on 3 March 2017 issued a Decision on the basis of which it approved the company CROATIA osiguranje d.d. to merge with the company Croatia Lloyd d.d. As of 3 April 2017, CROATIA osiguranje d.d. merged with CROATIA Lloyd d.d. On 28 June 2017, the Croatian Financial Services Supervisory Agency issued a Decision on the basis of which it approved the company CROATIA osiguranje d.d. to merge with CROATIA zdravstveno osiguranje d.d. As of 3 July 2017, CROATIA osiguranje d.d. merged with CROATIA zdravstveno osiguranje d.d. On 24 May 2017, CROATIA osiguranje d.d. and BNP Paribas Cardif, France, have signed a purchase agreement, whereby CROATIA osiguranje purchased the 100 percent stake in BNP Paribas Cardif osiguranje. On 29 September 2017, the Croatian Financial Services Supervisory Agency issued a Decision on the basis of which it approved the company CROATIA osiguranje d.d.
Load more

Recommended publications
  • Tržište Osiguranja Republike Hrvatske U 2014. Godini
    Croatia osiguranje d.d. Godišnje izvješće i financijski izvještaji za 2014. godinu Croatia osiguranje d.d. Godišnje izvješće i financijski izvještaji za 2014. godinu Sadržaj Godišnje izvješće o stanju Društva i Grupe za 2014. godinu .................................................. I Prilog 1. Konsolidirani i nekonsolidirani financijski izvještaji za 2014. godinu ......................... II Prilog 2. Dopunski izvještaji propisani pravilnikom Hrvatske agencije za nadzor financijskih usluga ...................................................................................................................................III Croatia osiguranje d.d. Godišnje izvješće i financijski izvještaji za 2014. godinu Croatia osiguranje d.d. Godišnje izvješće za 2014. godinu I Izvješće neovisnog revizora o Godišnjem izvješću Dioničarima i Upravi društva Croatia osiguranje d.d. Obavili smo reviziju konsolidiranih financijskih izvještaja društva Croatia osiguranje d.d. i njegovih podružnica („Grupa“) i financijskih izvještaja društva Croatia osiguranje d.d. („Društvo“) na dan 31. prosinca 2014. i za godinu koja je tada završila, koji se nalaze u Godišnjem izvješću u Prilogu I na stranicama od 6 do 139, te smo izdali mišljenje na dan 2. travnja 2015. godine koje se nalazi u Prilogu I. Odgovornost Uprave za Godišnje izvješće Uprava Društva je odgovorna za sastavljanje, sadržaj i točnost Godišnjeg izvješća Društva i Grupe za godinu koja je završila 31. prosinca 2014. godine koji se nalazi na stranicama od 2 do 10. Uprava Društva je odgovorna za sastavljanje, sadržaj i točnost obrazaca pripremljenih na temelju Pravilnika o strukturi i sadržaju financijskih izvještaja društva za osiguranje, odnosno društva za reosiguranje (Narodne novine 132/10 i 39/12, dalje u tekstu 'Pravilnik') koji se nalaze u Prilogu II na stranicama od 1 do 32, pod naslovima Izvještaj o financijskom položaju Društva na dan 31.
    [Show full text]
  • Croatia Osiguranje“ D.D
    ANALIZA INTERNE OKOLINE U PODUZEĆU „ CROATIA OSIGURANJE“ D.D. ZAGREB Lasić, Daria Undergraduate thesis / Završni rad 2016 Degree Grantor / Ustanova koja je dodijelila akademski / stručni stupanj: University of Split, Faculty of economics Split / Sveučilište u Splitu, Ekonomski fakultet Permanent link / Trajna poveznica: https://urn.nsk.hr/urn:nbn:hr:124:111493 Rights / Prava: In copyright Download date / Datum preuzimanja: 2021-09-29 Repository / Repozitorij: REFST - Repository of Economics faculty in Split SVEUČILIŠTE U SPLITU EKONOMSKI FAKULTET ZAVRŠNI RAD ANALIZA INTERNE OKOLINE U PODUZEĆU „ CROATIA OSIGURANJE“ D.D. ZAGREB Mentor: Student: Doc.dr.sc. Željko Mateljak Daria Lasić Br.indeksa: 1132423 Split, rujan, 2016. SADRŽAJ: SAŽETAK .............................................................................................................................................. 1 1. UVOD ................................................................................................................................................. 2 1.1. PREDMET RADA .................................................................................................................. 2 1.2. PROBLEM RADA .................................................................................................................. 2 1.3. CILJEVI RADA ..................................................................................................................... 2 1.4. METODE RADA ...................................................................................................................
    [Show full text]
  • Popis Pravnih Osoba Koje Su Ostvarile Potporu Za Očuvanje Radnih Mjesta U Sustavu Športa Za Mjesec Ožujak I Travanj 2020
    Popis pravnih osoba koje su ostvarile potporu za očuvanje radnih mjesta u sustavu športa za mjesec ožujak i travanj 2020. godine Broj radnika za R.b. Naziv prijavitelja OIB koje se koristi Iznos potpora 1 AEROKLUB "OSIJEK" 74081601305 2 10.875,00 kn 2 AKADEMSKI GIMNASTIČKI KLUB "STELLAE" 87717471292 1 906,25 kn 3 AKADEMSKI MALONOGOMETNI KLUB "UNIVERSITAS SPLIT" 60151810608 2 10.875,00 kn 4 AKROBATSKI ROCK 'N' ROLL KLUB BISTRA 71816998031 2 9.062,50 kn 5 ATLETSKI KLUB "KVARNER" RIJEKA 87923230239 5 36.250,00 kn 6 ATLETSKI KLUB "MEĐIMURJE" ČAKOVEC 24602491795 1 7.250,00 kn 7 ATLETSKI KLUB "SAMOBOR 2007" 39730228501 1 7.250,00 kn 8 ATLETSKI KLUB ALBONA LABIN 43547440224 1 362,50 kn 9 ATLETSKI KLUB ALOJZIJE STEPINAC ZADAR 35240858683 1 7.250,00 kn 10 ATLETSKI KLUB BJELOVAR 20857052186 1 7.250,00 kn 11 ATLETSKI KLUB DINAMO ZRINJEVAC-URED HANŽEKOVIĆEVOG MEMORIJALA 60113438833 2 14.500,00 kn 12 ATLETSKI KLUB START 36113911509 2 5.075,00 kn 13 ATLETSKI KLUB ULTRA ZAGREB 81376155799 1 3.625,00 kn 14 ATLETSKI KLUB ZAGREB 82602140716 2 14.500,00 kn 15 ATLETSKI ŠPORTSKI KLUB ZADAR 86624179675 1 7.250,00 kn 16 BADMINTONSKI KLUB "FLEX" 14536665429 1 7.250,00 kn 17 BASEBALL KLUB ZAGREB 46499240908 1 7.250,00 kn 18 BOĆARSKI SAVEZ PRIMORSKO-GORANSKE ŽUPANIJE 67087096843 1 3.625,00 kn 19 BODY BUILDING KLUB ATLET 07532396452 1 7.250,00 kn 20 BODY BUILDING KLUB OSIJEK 04105039143 7 50.750,00 kn 21 BOKSAČKI KLUB "PULA" 24581361857 1 7.250,00 kn 22 BOKSAČKI KLUB ARENA 02193896747 1 3.625,00 kn 23 BOKSAČKI KLUB GLADIJATOR 77487375749 2 14.500,00 kn 24 BOKSAČKI
    [Show full text]
  • Annual Report 2014 Annual Report and Financial Statements 31 December 2014 Tangerine Harvest
    Annual Report 2014 Annual report and financial statements 31 December 2014 Tangerine harvest Table of contents ANNUAL REPORT 2014 Who we are and what we do 7 Introduction 8 Five year summary and financial highlights 9 Report from the President of the Supervisory Board 10 Management Board report of the Status of the Bank 13 Management Board report on the Status of the Bank’s subsidiaries and financial highlights of the Group 17 Macroeconomic developments in Croatia in 2014 23 Organisational chart 32 Business description of the Bank 34 The Group 44 Overview of the activities within the Corporate Social Responsibility programme of PBZ 50 Corporate governance 58 Responsibilities of the Management and Supervisory Boards for the preparation and approval of the annual financial statements 68 Independent auditors’ report to the shareholders of Privredna banka Zagreb dd 70 Income statement 72 Statement of comprehensive income 73 Statement of financial position 74 Statement of cash flows 76 Statement of changes in equity 78 Notes to the financial statements 80 Appendix 1 - Supplementary forms required by local regulation 187 Appendix 2 - Supplementary financial statements in EUR (unaudited) 212 5 Who we are and what we do Cetina river ANNUAL REPORT 2014 We are a leading Croatian financial services group engaged in retail and corporate banking, credit card operations, investment banking, private banking, leas- ing, investment management services and real estate activities. We operate in the entire area of Croatia and employ over four thousand people. Our mission is to permanently and effectively utilize all of the resources at our disposal to continuously im- prove all aspects of our business activities, including human resources, technology and business processes.
    [Show full text]
  • Croatia Health System Review
    Health Systems in Transition Vol. 8 No. 7 2006 Croatia Health system review Luka Voncina • Nadia Jemiai Sherry Merkur • Christina Golna Akiko Maeda • Shiyan Chao Aleksandar Dzakula Editors: Sherry Merkur • Nadia Jemiai Elias Mossialos Editorial Board Editor in chief Elias Mossialos, London School of Economics and Political Science, United Kingdom and European Observatory on Health Systems and Policies Editors Reinhard Busse, Berlin Technical University, Germany Josep Figueras, European Observatory on Health Systems and Policies Martin McKee, London School of Hygiene and Tropical Medicine, United Kingdom and European Observatory on Health Systems and Policies Richard Saltman, Emory University, United States Editorial team Sara Allin, European Observatory on Health Systems and Policies Olga Avdeeva, European Observatory on Health Systems and Policies Anna Maresso, European Observatory on Health Systems and Policies David McDaid, European Observatory on Health Systems and Policies Sherry Merkur, European Observatory on Health Systems and Policies Bernd Rechel, European Observatory on Health Systems and Policies Erica Richardson, European Observatory on Health Systems and Policies Sarah Thomson, European Observatory on Health Systems and Policies International advisory board Tit Albreht, Institute of Public Health, Slovenia Carlos Alvarez-Dardet Díaz, University of Alicante, Spain Rifat Atun, Imperial College London, United Kingdom Johan Calltorp, Swedish Association of Local Authorities and Regions, Sweden Armin Fidler, The World Bank Colleen
    [Show full text]
  • Croatian Marine Industry
    CROATIAN 2011 MARINE INDUSTRY CROATIAN CHAMBER OF ECONOMY MARINE INDUSTRY ASSOCIATION INDUSTRY AND TECHNOLOGY DEPARTMENT 02 CROATIAN CHAMBER OF ECONOMY / INDUSTRY AND TECHNOLOGY DEPARTMENT introduction MARINE INDUSTRY ASSOCIATION Croatia has a coastline of some 1,173 km. Within this length there are 718 islands Several smaller shipyards and repair centres build a significant number of fishing, cargo and 467 islets and reefs. Taking into account the total seaboard length, there are just and passenger vessels. Additionally, steel tugs and patrol boats are built. over 4,000 km. of the most memorable cruising grounds with magnificent sights and majestic scenery. Increasing nautical tourism has awakened great interest in the repair and maintenance of pleasure boats and also for the construction of such vessels so that today the Living as they do by the sea, with the sea and from the sea, in a region lacking other Croatian marine industry offers a wide array of vessels from pedalos and sandolines to resources, the people of the Croatian Adriatic coast have necessarily had to master 50 m long mega-yachts meeting the highest quality standards and produced in more the techniques of shipbuilding, especially on the islands. A variety of purposes such than 100 shipyards or plants, employing more than 1,800 people. as fishing, transport of people and goods, trade and defence, require various kinds of vessels and those necessities have dictated the development of the Croatian shipbuilding industry and its affiliates. MARINE INDUSTRY ASSOCIATION 03 In the middle of 2005, the Marine Industry Association was established within the Croatian Chamber of Economy for the purpose of gathering together the producers of pleasure and working boats in order to unify promotional activities on both the local and foreign markets.
    [Show full text]
  • Croatia Osiguranje 1 2 07.Pdf
    Zagreb, 2007. godina, broj 1-2 TEMA BROJA Zdravstveno osiguranje zaštite zdravlja Zagreb, 2007. godina, broj 1-2 2007. godina, broj Zagreb, na radu NOVI PROPISI: ZAKON O LEASINGU Kamatna imunizacija HRVATSKI ČASOPIS ZA TEORIJU I PRAKSU OSIGURANJA HRVATSKI u investicijskim ISSN 1330-9692 portfeljima Godina izlaženja XXXXVIII >>> IMPRESUM sadržaj1-2 OSIGURANJE Hrvatski časopis za teoriju i praksu osiguranja Adresa Uredništva: 6 VIJESTI 1002 Zagreb, Miramarska 22/II, p.p. 50 tel. + 385 1 633 2503; 633 2628; fax.+385 1 633 2050 22 ŠIROM SVIJETA http://www.crosig.hr http://www.osiguranje.hr 33 POSREDNICI I ZASTUPNICI e-mail: casopis.osiguranje @crosig.hr [email protected] 34 TRŽIŠTA: Hrvatsko tržište osiguranja 2006. v.d. glavna urednicaurednica: Nensi Botica Jukić, prof. FINANCIJE I RAČUNOVODSTVO 40 Kamatna imunizacija u investicijskim portfeljima osiguratelja Uredničko vijeće: Viktorija Bradić, zdravstveno osiguranje Prof.dr.sc. Drago Jakovčević Nensi Botica Jukić, glavna urednica, vijesti, izvješća Tomislav Kallay, vijesti iz svijeta 47 SUDSKA PRAKSA Alen Šepec, financije Zoran Zaninović, pomorsko osiguranje, transport 55 NOVI PROPISI Fotografija: Denis Lovrović ZDRAVSTVENO OSIGURANJE Nensi Botica Jukić 59 TEMA BROJA: Računovodstvo: Zdravstveno osiguranje zaštite zdravlja na radu Renata Adanić Stjepan Turek, doc.dr.sc. Nakladnik: Zdravstveno osiguranje zaštite zdravlja na radu - Croatia osiguranje d.d. u projektu reforme zdravstva Za nakladnika: Dr.sc. Marinko Đ. Učur Hrvoje Vojković, dipl.iur. Istraživanje: Posao i zdravlje Pretplata: Za pretplatu kontaktirati Uredništvo Časopis izlazi mjesečno, osim brojeva 1-2 i 7-8. GODIŠNJA PRETPLATA 500 KN 73 KOLUMNA POLUGODIŠNJA PRETPLATA (1 - 6 ili 7/8 - 12) 250 KN Prodaja osiguranja u raljama propisa Devizni pretplatnici plaćaju pretplatu u eurskoj protuvrijednosti na dan uplate Mr.sc.
    [Show full text]
  • Annual Report on Competition Policy Developments in Croatia
    Organisation for Economic Co-operation and Development DAF/COMP/AR(2018)22 Unclassified English - Or. English 30 April 2018 Directorate for Financial and Enterprise Affairs COMPETITION COMMITTEE Cancels & replaces the same document of 12 April 2018 Annual Report on Competition Policy Developments in Croatia -- 2017 -- 6-8 June 2018 This report is submitted by Croatia to the Competition Committee FOR INFORMATION at its forthcoming meeting to be held on 6-8 June 2018. JT03430967 This document, as well as any data and map included herein, are without prejudice to the status of or sovereignty over any territory, to the delimitation of international frontiers and boundaries and to the name of any territory, city or area. 2 │ DAF/COMP/AR(2018)22 Table of contents 1. Changes to competition laws and policies, proposed or adopted .................................................. 3 1.1. Summary of new legal provisions of competition law and related legislation ............................. 3 1.2. Other relevant measures, including new guidelines ...................................................................... 4 1.3. Government proposals for new legislation ................................................................................... 4 2. Enforcement of competition laws and policies ................................................................................ 5 2.1. Action against anticompetitive practices, including agreements and abuses of dominant positions ............................................................................................................................................................
    [Show full text]
  • Izvještaj O Aktivnostima I Financijskom Poslovanju U 2014. Godini
    UVOD: Ostvarenje turističkog prometa u 2014. godini U 2014. godini Pulu je posjetilo 280.958 turista koji su ostvarili 1.520.962 noćenja. Uspoređujući sa rezultatima 2013. godine (turista 259.159 i noćenja 1.414.526) u 2014. godini ostvareno je 8% više dolazaka turista, i 8% više noćenja. Prosječni dani boravka turista u 2014. godini manji su za 0,05 od prosječnih dana boravka u 2013. godini što je nakon trenda povećanja zadnjih godina krenulo opet smanjenje. To se može povezati sa manjim postotkom Rusa koji su avionski gosti i imaju prosječno duže zadržavanje. U tablici su prikazani prosječni dani boravka za protekle četiri godine. Prosječni dani boravka 2011. 2012. 2013. 2014. Domaćih gostiju 2,81 3,29 3,44 3,50 Stranih gostiju 5,78 5,86 5,74 5,66 UKUPNO 5,36 5,58 5,46 5,41 Prvih deset zemalja po broju ostvarenih noćenja ostvarile su sljedeće promjene: njemačko tržište ima rast od 8%, Italija ima rast od 11%, Hrvatska ima rast od 4%, Austrija ima rast od 10%, Velika Britanija ima rast od 13%, Slovenija ima rast od 12%, Poljska ima rast od 4%, Nizozemska ima pad od 4%, Mađarska ima rast od 28%, Švedska ima rast od 29%. U Istri je ukupno ostvareno 22.274.541 noćenja bez čartera, pa ostvarena noćenja u Puli također bez čartera sudjeluju sa 6,51% udjela, dok su 2013. godine sudjelovala sa 6,17%. 2 PRIHODI TZ Pule je u 2014. godini ostvarila prihode u iznosu od 10.384.347 kn što je za 5% više od planiranog.
    [Show full text]
  • UP/I 030-02/2010-01/030 Urbroj: 580-02-11-76-051 Zagreb, 21
    Klasa: UP/I 030-02/2010-01/030 Urbroj: 580-02-11-76-051 Zagreb, 21. travnja 2011. Agencija za zaštitu tržišnog natjecanja na temelju članaka 34., 35. stavka 1. to čke 2. i 5. i članka 57. to čke 8. Zakona o zaštiti tržišnog natjecanja („Narodne novine“, broj 122/03), te članka 46. stavka 5. Zakona o op ćem upravnom postupku („Narodne novine“, broj 47/09), u upravnom postupku utvr đivanja sprje čavanja, ograni čavanja ili narušavanja tržišnog natjecanja zlouporabom vladaju ćeg položaja protiv poduzetnika Croatia osiguranje d.d., sa sjedištem u Zagrebu, Miramarska 22, zastupanog po predsjedniku Uprave Zdravku Zrinuši ću, pokrenutom po službenoj dužnosti, temeljem odluke Vije ća za zaštitu tržišnog natjecanja u sastavu: mr. sc. Olgica Spevec, predsjednica Vije ća, Mladen Cerovac, mag. iur., zamjenik predsjednice Vije ća, Milivoj Marši ć, dipl. oec., Vesna Patrlj, dipl. iur., i dr. sc. Mirna Pavleti ć-Župi ć, članovi Vije ća, sa 71. sjednice, održane 21. travnja 2011., donosi slijede će RJEŠENJE Obustavlja se postupak utvr đivanja sprje čavanja, ograni čavanja ili narušavanja tržišnog natjecanja zlouporabom vladaju ćeg položaja protiv poduzetnika Croatia osiguranje d.d., sa sjedištem u Zagrebu, Miramarska 22, pokrenut po službenoj dužnosti, jer je tijekom postupka utvr đeno da više ne postoje pravne pretpostavke za vo đenje postupka. Obrazloženje 1. Inicijativa za pokretanje postupka utvr đivanja zlouporabe vladaju ćeg položaja Agencija za zaštitu tržišnog natjecanja (dalje: Agencija) zaprimila je 14. lipnja 2010. anonimnu predstavku gra đana s podru čja Dubrova čko-neretvanske županije o mogu ćem narušavanju tržišnog natjecanja od strane poduzetnika Croatia osiguranje d.d.
    [Show full text]
  • Studija Slučaja Adris Grupe Dd
    UTJECAJ PREUZIMANJA NA PERFORMANSE PODUZEĆA– STUDIJA SLUČAJA ADRIS GRUPE D.D. Jurin, Antonija Master's thesis / Diplomski rad 2019 Degree Grantor / Ustanova koja je dodijelila akademski / stručni stupanj: University of Split, Faculty of economics Split / Sveučilište u Splitu, Ekonomski fakultet Permanent link / Trajna poveznica: https://urn.nsk.hr/urn:nbn:hr:124:289282 Rights / Prava: In copyright Download date / Datum preuzimanja: 2021-10-06 Repository / Repozitorij: REFST - Repository of Economics faculty in Split SVEUČILIŠTE U SPLITU EKONOMSKI FAKULTET DIPLOMSKI RAD UTJECAJ PREUZIMANJA NA PERFORMANSE PODUZEĆA– STUDIJA SLUČAJA ADRIS GRUPE D.D. Mentor: Studentica: doc. dr. sc. Josip Visković Antonija Jurin, univ.bacc.oec Split, rujan 2019. SADRŽAJ: 1. UVOD .......................................................................................................... 4 1.1. Problem istraživanja ...................................................................................................... 4 1.2. Predmet istraživanja ...................................................................................................... 7 1.3. Istraživačke hipoteze ..................................................................................................... 7 1.4. Ciljevi istraživanja ......................................................................................................... 8 1.5. Metode istraživanja ....................................................................................................... 9 1.6. Doprinos istraživanja
    [Show full text]
  • Croatia Osiguranje D.D. Annual Report and Financial Statements for 2016
    CROATIA osiguranje d.d. Annual report and financial statements for 2016 Croatia osiguranje d.d. Annual Report and financial statements for 2016 Content Annual Report of the Company and the Group for 2016 .............................................. I Consolidated and separate financial statements for 2016 .......................................... II Supplementary statements prescribed by the Ordinance of the Croatian Financial Services Supervisory Agency ....................................................................................... III Croatia osiguranje d.d. Annual Report of the Company and the Group for 2016 Croatia osiguranje d.d. Annual Report and financial statements for 2016 The insurance market of the Republic of Croatia in 2016 During 2016 the insurance market has been very active and has recorded a total premium growth of 1%, or HRK 72m, which represents a continuation of last year's positive trends in premium market growth. Analytical look into the structure of the premium speaks volumes about turbulent markets and significantly different trends between different types of insurance. So we can say that the past year was a year of growth in health insurance with an increase of 26%, or HRK 80m, while non-life insurance products declined by HRK 14m. In life insurance, the trend of switching from classical life products to those in which the policyholder is exposed to investment risk is noticeable. Thanks to the strong activities of insurers in the sale of new types of products, the market showed a slight increase of HRK 7 million. Total non-life insurance premiums amounted to HRK 5.85 billion, wherein dominate insurance related to motor vehicles – insurance for motor vehicles with a 33% share of the total premium and motor hull insurance with a 14% share.
    [Show full text]