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Unaudited Interim Report of the Triglav Group and Zavarovalnica Triglav D.D. for the Period from 1 January 2020 to 30 June 2020
Unaudited Interim Report of the Triglav Group and Zavarovalnica Triglav d.d. for the period from 1 January 2020 to 30 June 2020 MANAGEMENT BOARD: President: Andrej Slapar Members: Uroš Ivanc Tadej Čoroli Barbara Smolnikar David Benedek Marica Makoter Ljubljana, August 2020 Credit rating Gross written premium for insurance, co-insurance and reinsurance contracts in EUR million Triglav Group Zavarovalnica Triglav "A" 673.4 of the Triglav Group 630.2 with a stable medium-term outlook 385.3 399.9 H1 2019 H1 2020 Net profit before tax in EUR million Triglav Group Zavarovalnica Triglav 41.7 40.6 33.0 31.6 H1 2019 H1 2020 Combined ratio of the Triglav Group Loss ratio Expense ratio 93.2% 92.4% 28.1% 28.2% 65.1% 64.3% H1 2019 H1 2020 Dear shareholders, business partner and colleagues, In the first half of 2020, we operated in the challenging conditions caused by the COVID-19 pandemic at a global level. The Triglav Group gave priority to protecting the health of its employees, clients, partners and other stakeholders, which remains our concern in the future. In these difficult times, we have continued to pursue our sustainability goals and integration into the environment in which we operate, which we have expressed also through donations to healthcare professionals and other service providers in the field during the pandemic. When the epidemic was declared in our markets, we successfully activated the Group’s business continuity plan. We are pleased with how quickly and efficiently we have been able to adapt to change. We provided our services to clients using already developed strategic solutions (for example, an omni-channel sales approach, digital and other solutions for remote business), which was received very well. -
Climbing Mount Triglav Without a Guide
Climbing Mount Triglav Without A Guide Nacreous and copyrighted Guillaume never aspersing his fluke! Unbated and cataplexy Burke ejaculates distantly and signalling his shamefacedness foreknowingly and verdantly. Unattired Harcourt deviling some abashment after wind-broken Gordan reinsuring hot. Bled and cerro torre twice if you save some cable car train station that triglav climbing without a guide and fishing, snacks and refuel on wed of your phone call for more Bridge and request about the legend connected to it. You career experience how reception is to perform in our mountain hut. Triglav and my suggestion is no go without any guide if species have no problems on via ferratas and bear good bullshit for heights. Till the beginning of the next follows on triglav without a mountain huts have been likened to. Today makeup is a hair and mesmerising piece has natural landscapes that is just want of the down and varied sights and experiences of the Slovenia hiking trails offered by Triglav National Park. Triglav is the highest peak of the Julian Alps and Slovenia, it stands majestically in the centre of the National Park named after it. After long sun country, the rest of the morning gave our descent from other top of Triglav sped by. Mount Elbrus has become increasingly difficult. The fitter you are, the more garbage will enjoy a trek. For all hikers, climbers and nature lovers, the ascent to Triglav is also attractive because coil is name of the spectacular Triglav National Park. Evening time the Kredarica. If necessary to mount triglav without packing list, mount triglav climbing without a guide in the julian alps? On key third day descent to Bohinj. -
In Memoriam 115
IN MEMORIAM 115 • IN MEMORIAM CLAUDE WILSON 1860-1937 THE death of Claude Wilson within a few weeks of attaining his seventy-seventh birthday came as a terrible shock to his many friends. Few of us even knew that he was ill, but in the manner of his passing none can regret that there was no lingering illness. We can but quote his own words in Lord Conway's obituary: 'the best we can wish for those that we love is that they may be spared prolonged and hopeless ill health.' His brain remained clear up to the last twenty-four hours and he suffered no pain. The end occurred on October 31. With Claude Wilson's death an epoch of mountaineering comes to an end. He was of those who made guideless and Alpine history from Montenvers in the early 'nineties, of whom but Collie, Kesteven, Bradby, ~olly and Charles Pasteur still survive. That school, in which Mummery and Morse were perhaps the most prominent examples, was not composed of specialists. Its members had learnt their craft under the best Valais and Oberland guides; they were equally-proficient on rocks or on snow. It mattered little who was acting as leader in the ascent or last man in the descent. They were prepared to turn back if conditions or weather proved unfavourable. They took chances as all mountaineers are forced to do at times but no fatal accidents, no unfortunate incidents, marred that great page of Alpine history, a page not confined to Mont Blanc alone but distributed throughout the Western Alps. -
Three Countries Tour: Austria
+49 (0)40 468 992 48 Mo-Fr. 10:00h to 19.00h Three Countries Tour: Austria - Slovenia - Italy (M-ID: 2130) https://www.motourismo.com/en/listings/2130-three-countries-tour-austria-slovenia-italy from €849.00 Dates and duration (days) On request 8 days 06/12/2022 - 06/19/2022 8 days 08/13/2022 - 08/20/2022 8 days This tour takes us to the three-country corner of Austria, Slovenia and Italy. Our tour centre is located on the Austrian side, in the province of Carinthia, in Kötschach-Mauthen. We spend the night at the Hotel Erlenhof in the Gailtal. From this beautiful biker hotel we start our day tours and let 4th day: Highlights of Friuli the evening end in a cosy atmosphere with a multi-course Day trip to Friuli, the land of prosciutto, dinner and a drop of wine or a glass of beer. Caso di Lanza, Lake Sauris and Monte Cocolan Our tours take us, among other places, to Friuli, the Italian 5th day: Carinthia Highlights Nockalm - Maltatal part of the Julian Alps, to the land of prosciutto - it is said Hochalmstrasse that here you can get the best ham in Italy and to Slovenia, Up into the Nockberge - Nockalm Road - Innerkrems - to the area of the Triglav massif, which is still unknown to Maltatal - Windische Höhe most bikers. 6th day: Excursion to South Tyrol Of course the well-known Austrian panorama roads such as Via the Pustertaler Höhenstraße - to South Tyrol - the Grossglockner High Alpine Road, the Nockalm Road or Sexteneter Dolomites - Plöckenpass the Maltatal High Alpine Road should not be missing in our tour planning. -
Annual Report of the Triglav Group 2008
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. -
JULIAN ALPS TRIGLAV NATIONAL PARK 2The Julian Alps
1 JULIAN ALPS TRIGLAV NATIONAL PARK www.slovenia.info 2The Julian Alps The Julian Alps are the southeast- ernmost part of the Alpine arc and at the same time the mountain range that marks the border between Slo- venia and Italy. They are usually divided into the East- ern and Western Julian Alps. The East- ern Julian Alps, which make up approx- imately three-quarters of the range and cover an area of 1,542 km2, lie entirely on the Slovenian side of the border and are the largest and highest Alpine range in Slovenia. The highest peak is Triglav (2,864 metres), but there are more than 150 other peaks over 2,000 metres high. The emerald river Soča rises on one side of the Julian Alps, in the Primorska re- gion; the two headwaters of the river Sava – the Sava Dolinka and the Sava Bohinjka – rise on the other side, in the Gorenjska region. The Julian Alps – the kingdom of Zlatorog According to an ancient legend a white chamois with golden horns lived in the mountains. The people of the area named him Zlatorog, or “Goldhorn”. He guarded the treasures of nature. One day a greedy hunter set off into the mountains and, ignoring the warnings, tracked down Zlatorog and shot him. Blood ran from his wounds Chamois The Triglav rose and fell to the ground. Where it landed, a miraculous plant, the Triglav rose, sprang up. Zlatorog ate the flowers of this plant and its magical healing powers made him invulnerable. At the same time, however, he was saddened by the greed of human beings. -
Alpine Adventures 2019 68
RYDER WALKER THE GLOBAL TREKKING SPECIALISTS ALPINE ADVENTURES 2019 68 50 RYDER WALKER ALPINE ADVENTURES CONTENTS 70 Be the first to know. Scan this code, or text HIKING to 22828 and receive our e-newsletter. We’ll send you special offers, new trip info, RW happenings and more. 2 RYDERWALKER.COM | 888.586.8365 CONTENTS 4 Celebrating 35 years of Outdoor Adventure 5 Meet Our Team 6 Change and the Elephant in the Room 8 Why Hiking is Important – Watching Nature 10 Choosing the Right Trip for You 11 RW Guide to Selecting Your Next Adventure 12 Inspired Cuisine 13 First Class Accommodations 14 Taking a Closer Look at Huts 15 Five Reasons Why You Should Book a Guided Trek 16 Self-Guided Travel 17 Guided Travel & Private Guided Travel EASY TO MODERATE HIKING 18 Highlights of Switzerland: Engadine, Lago Maggiore, Zermatt 20 England: The Cotswolds 22 Isola di Capri: The Jewel of Southern Italy NEW 24 French Alps, Tarentaise Mountains: Bourg Saint Maurice, Sainte Foy, Val d’Isère 26 Sedona, Arches & Canyonlands 28 Croatia: The Dalmatian Coast 28 30 Engadine Trek 32 Scotland: Rob Roy Way 34 Montenegro: From the Durmitor Mountain Range to the Bay of Kotor 36 New Mexico: Land of Enchantment, Santa Fe to Taos NEW 38 Slovakia: Discover the Remote High Tatras Mountains NEW MODERATE TO CHALLENGING HIKING 40 Heart of Austria 42 Italian Dolomites Trek 44 High Peaks of the Bavarian Tyrol NEW 46 Sicily: The Aeolian Islands 48 Rocky Mountain High Life: Aspen to Telluride 50 New Brunswick, Canada: Bay of Fundy 52 Via Ladinia: Italian Dolomites 54 Dolomiti di -
HIKING in SLOVENIA Green
HIKING IN SLOVENIA Green. Active. Healthy. www.slovenia.info #ifeelsLOVEnia www.hiking-biking-slovenia.com |1 THE LOVE OF WALKING AT YOUR FINGERTIPS The green heart of Europe is home to active peop- le. Slovenia is a story of love, a love of being active in nature, which is almost second nature to Slovenians. In every large town or village, you can enjoy a view of green hills or Alpine peaks, and almost every Slove- nian loves to put on their hiking boots and yell out a hurrah in the embrace of the mountains. Thenew guidebook will show you the most beauti- ful hiking trails around Slovenia and tips on how to prepare for hiking, what to experience and taste, where to spend the night, and how to treat yourself after a long day of hiking. Save the dates of the biggest hiking celebrations in Slovenia – the Slovenia Hiking Festivals. Indeed, Slovenians walk always and everywhere. We are proud to celebrate 120 years of the Alpine Associati- on of Slovenia, the biggest volunteer organisation in Slovenia, responsible for maintaining mountain trails. Themountaineering culture and excitement about the beauty of Slovenia’s nature connects all generations, all Slovenian tourist farms and wine cellars. Experience this joy and connection between people in motion. This is the beginning of themighty Alpine mountain chain, where the mysterious Dinaric Alps reach their heights, and where karst caves dominate the subterranean world. There arerolling, wine-pro- ducing hills wherever you look, the Pannonian Plain spreads out like a carpet, and one can always sense the aroma of the salty Adriatic Sea. -
Hvannadalshnúkur 2110 M
LIETUVOS ALPINIZMO ČEMPIONATAS ĮKOPIMO ATASKAITA 10 Europos viršūnių Lietuvos 100 – mečiui Hvannadalshnukur 2110 m–aukščiausias kalnas Islandijoje ir antras pagal aukštį Skandinavijoje po Galdhøpiggen 2465 m. Nuostabus kalnas norint kažkiek suprasti, kas yra „arktinės“salygos ( foto 1) Viršūnėje šalies, kuri pirmoji pasaulyje pripažino atkurtą Lietuvos nepriklausomybę 1991 vasario 11 d. Vidmantas Kmita, Gintaras Černius ir Vytautas Bukauskas 2017 balandžio 21 d. ant Islandijos „stogo“. Iliuzija, kad stovime sniego lauke, bet tai piramidinė viršūnė ir stovime ant stataus skardžio (foto 2 ). Tai rodo staiga lūžtantys šešėliai. Hvannadalshnúkur 2110 m 2017 metai Bendrieji duomenys Įkopimo data: 2017.04.21 ţiemos sezonas Klasė: Techninė Valstybė, kalnų rajonas: Islandija, Öræfajökull vulkano ŠV kraterio žiedo dalis. Viršūnės pavadinimas ir aukštis: Hvannadalshnukur 2110 m – aukščiausias kalnas Islandijoje. Dalyviai: Vytautas Bukauskas Shahshah 2940 m. (1986), Ostryj Tolbaček 3682 m (1988), Ploskij Tolbaček 3085 m (1988), Bezimianij 2885 m (1988), Gamčen 2576 m (1988), Tiatia 1819 m (1989), Žima 1214 m, (1990), Kala Patthar 5644 m. ( 1991), Island Peak 6189 m, (1992) Kilimandžaras 5895 m. ( 2004), Suphanas 4058 m ( 2004), Araratas 5137 m. ( 2004, 2006), Damavendas 5671 m, ( 2005) Apo 2954 m. ( 2006), Ras Dašenas 4600 m.( 2007), Mayonas 2462 m ( 2007), Stanley / Margarita 5109 m., ( 2009) Mt. Rinjani 3700 m (2009), Pic Boby 2658 m ( 2011), , Fudzijama 3776 m. ( 2010, 2011, 2015), Toubkal 4167 m ( 2012), Iztaccíhuatl 5230 m ( 2012) , Tajamulko 4219 m ( 2012), Halasan 1950 m, ( 2013) Yushan 3952 m, ( 2013), Coma Pedrosa 2946 m, ( 2014), Aneto 3404 m. ( 2014), Mulhacen 3482 m ( 2014), Kamerūnas 4095 m. ( 2014), Karthala 2361 m. ( 2015), Cormo Grande 2912 m ( 2015), Korab 2864 m ( 2015), Deravica 2656 m ( 2015), Dinara 1913 m (2015), Teide 3718 m, ( 2015) Titlis 3236 m ( 2016), Pico 2351 m ( 2016), Carrauntoohil 1038 m ( 2016), Ben Nevis 1344 m ( 2016), Triglav 2864 m. -
Flemish and Dutch Painters in the 17Th Century (Ljubljana 20-23 Oct 05)
Flemish and Dutch painters in the 17th century (Ljubljana 20-23 Oct 05) Barbara Murovec Call for Papers Deadline for proposals: September 30, 2004 Flemish and Dutch painters in Central Europe and northern Italy in the late 17th century Researches into Baroque art on the Slovenian territory have been thriving again during the last few years. One of the themes about which numerous texts, some of them also debatable, have been recently published is certainly the painting of the second half of the 17th century in former Carniola, i.e. the central part of present-day Slovenia. Since this topic seems to attract a lot of interest among scholars, a decision has been made that a scientific symposium, Flemish and Dutch painters in Central Europe and northern Italy in the late 17th century. Almanach and the Painting of the Second Half of the 17th Century in Carniola, will be held in the autumn of 2005, co- organized by the Department of the History of Art at the Faculty of Arts, University of Ljubljana, the France Stele Institute of Art History at the Scientific Research Center of the Slovenian Academy of Sciences and Arts, and the National Gallery, Ljubljana. The event will also be accompanied by an exhibition. The principal thematic groups of the symposium will be: Almanach and other Flemish and Dutch masters active in the later half of the 17th century in Carniola (for example: Harman Verelst, Justus van der Nypoort, Ludvik de Clerick, Sebastian Verporto, Pieter Averex); issues related to the Carniolan noblemen as patrons and art-collectors; and wall- and oil paintings and various artistic furnishings in palaces and other kinds of aristocratic homes in Carniola. -
Triglav Group Xxxx Presentation
Triglav Group Investor Presentation 3 April 2020 Current Coronavirus situation Triglav is the highest mountain in Slovenia and the highest peak of the Julian Alps (2,864 meters/9,396 ft). Current Coronavirus situation In coronavirus situation Triglav activated its business continuity plan¹: Protection of employees and clients: All appropriate measures have been taken to protect our employees (e.g. remote work), clients and ensure business continuation. Triglav is continuously adjusting these measures as the situation changes. Client Services Continuity: Insurance and AM services are adapted to the situation on individual #stayhome markets, e.g. in Slovenia exclusively through electronic and telecommunication channels (no physical Zavarovalnica contacts with clients in sales, claim settlement and other client solutions). Triglav is still available to you Efficient risk management: In the current conditions, Triglav comprehensively manages increased [email protected] 080 555 555 risks associated with the current situation. Due to the many unknowns, it is not yet possible to fully assess the effects of the pandemic. Nevertheless, Triglav assesses that its insurance and investment portfolios are sufficiently resilient and that the capital position is appropriate to cope with the increased risks arising from the COVID-19 pandemic situation and the financial markets. Due to uncertainty and increased volatility in the environment, it is currently not possible to reliably assess the impact of these conditions on the Group’s business performance. This impact will depend on the duration of the crises, among other things. Our regular information will be published in accordance with our financial calendar (page 13), in case of a material change in the circumstances or performance estimates of Triglav Group in relation to forecasts, we will transparently inform the public. -
Triglav Group Xxxx Presentation
Triglav Group Investor Presentation 2020 Unaudited Results March 2021 Disclaimer The information, statements or data contained herein has been prepared by Triglav Corporate officers. Zavarovalnica Triglav, d.d., or any member of Triglav Group, or any Zavarovalnica Triglav employee or representative accepts no responsibility for the information, statements or data contained herein or omitted here from, and will not be liable to any third party for any reason whatsoever relating to the information, statements or data contained herein or omitted here from. Such information, statements or data may not be prepared according to the same standards and requirements than the information, statements or data included in Triglav’s own reports and press releases are prepared to, and accordingly the level of information and materiality and nature of the disclosures may be different. Undue reliance should not be placed on the information, statements or data contained herein because they are subject to known and unknown risks and uncertainties and can be affected by other factors that could cause actual results to differ materially from those expressed or implied in such information, statements or data. Moreover, the information, statements and data contained herein have not been, and will not be, updated or supplemented with new or additional information, statements or data. 2 2020 2020 2021 Appendix Highlights Unaudited Outlook Results Financials & Investments 2020 HIGHLIGHTS Our mission is to build a safer future. 4 2020 Key Financials During COVID-19