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Annual Report for 2018

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Annual Report for 2018 Annual Report for 2018 Contents Management Report for 2018 .................................................................................................................. 3 Corporate Governance Statement .......................................................................................................... 11 Consolidated and separate financial statements for 2018 ....................................................................... 15 Statements prescribed by the Ordinance of the Croatian Financial Services Supervisory Agency……………………………………………………………………………………………………………………………………………… ... 158 Croatia osiguranje d.d. Management Report for 2018 Croatia osiguranje d.d. Management Report for 2018 Insurance market of the Republic of Croatia in 2018 The insurance market of the Republic of Croatia in 2018 was extremely dynamic with a total increase od gross written premium of 9% (HRK 826m). Part of this increase (HRK 174m or 265.6%) refers to an increase of premium realized on the European Union market, where eight insurance companies operate, including CROATIA osiguranje d.d. On the market of the Republic of Croatia (including EU‐ based operating in the Republic of Croatia directly or through its subsidiaries), the increase in premiums amounted to 7.1% or HRK 652m. Growth was recorded of all product lines, except transport insurance, while credit insurance and casco insurance achieve double‐digit growth. The total life insurance premium on the market of the Republic of Croatia amounted to HRK 3.18 bn, which is by 6.9% or HRK 207m higher than in the previous year. It was realised an increase of classis life products premium in the amount of HRK 289m, while insurance premium where the policyholder bears the investment riks has decreased (UL products) by HRK 94m. The total non‐life insurance premium on the market of the Republic of Croatia in 2018 was HRK 6.6 billion, which is an increase by 7.2% or HRK 445m compared to the previous year. Motor vehicles insurance (liability insurance, casco insurance and automobile assistance) increased by 6% compared to the previous year, property insurance increased by 8%, credit insurance increased by 26%, health insurance increased by 7%, while protection insurance increased by 6% compared to the previous year. Transport insurance achieved a decrease of premium by 1% compared to the previous year. 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 33.2% in the non‐life insurance segment and 17.7% in the life insurance segment. The total market share of companies based in the Republic of Croatia amounts to 28.1% and is almost on the same level as in the previous year. 4 Croatia osiguranje d.d. Management Report for 2018 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 for the year 2018 of 259% percent for the Company, based on no revised report. The organisational restructuring began in a situation where only about 23 percent of employees were in sales and by the end of 2018, this amount increased almost twice to 60 percent in sales services. The process continues, so that in the coming years there will be at least 70 percent of those who work in sales services and are directly oriented to the client and the market. 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 significant work improvement. The process of restructuring the corporate culture is also going according to the planned. 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, the merger of CROATIA osiguranje kredita d.d. was completed and at the end of December regulatory authorities od Slovenia issued a decision for the possibilitiy of starting the sale through the CO subsidiary in Slovenia. 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 2018, Croatia osiguranje d.d. reported profit before tax in the amount of HRK 325.1m (profit after tax of HRK 270.4m). The total gross written premium (before adjustments by the net increase in the provision for premium receivables and related write‐offs) increased by 13% and amounted to HRK 2,778m. Earned premiums amounted to HRK 2,456m and increased by 14%. The written premium in non‐life insurance amounted to HRK 2,214m, which is an increase of 15% compared to the same period last year. The largest increase of premium is recorded in casco insurance and property insurance, while the largest decrease of premium is recorded in transport insurance due to unfavourable financial situation in the shipbuilding industry, which lead to decrease of new investments. The written premium in life insurance amounted to HRK 565m which an increase of 6% compared to the previous year. In the non‐life and life insurance investment business, revenues were realised in the amount of HRK 417m, which is at the level of the year 2017. Finance costs in 2018 have decreased and amounted to HRK 130m. Gross paid claims amounted to HRK 1,549m representing an increase of 9% compared to the same period of the previous year. 5 Croatia osiguranje d.d. Management Report for 2018 Total administrative costs amounted to a total of HRK 407m recording an increase of 1.5% compared to the same period in 2017. Acquisition costs amounted to a total of HRK 486m recording an increase of 19% as a result of continued investments in sales. The following is a summary of key business indicators in 2018 calculated on the basis of the report to HANFAs, but according to the formulas shown below: Change in Key performance indicators 31 Dec. 2017 31 Dec. 2018 percentage points (p.p.) Claims ratio (non‐life)* 56.4% 53.3% ‐3.1 Cost ratio (non‐life)** 42.8% 42.0% ‐0.8 Combined ratio (non‐life) 99.2% 95.3% ‐3.9 * Claims ratio = (Income from commissions and fees + Other insurance‐technical income + Net Claims incurred + Change in mathematical provisions and other technical provisions + 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 2018, amounted to 95.3%, which is 3.9 percentage points better than in the same period of 2017. The claims ratio has improved by 3.1 percentage points and amounted to 53.3%. The cost ratio amounted to 42% which is 0.8 percentage points lower than in 2017. Total assets of the Company as at 31 December 2018 amount to HRK 10.1 billion, which represents an increase of 4.9% compared to 31 December 2017. Technical reserves amounted to HRK 6.6 billion and are 3.5% higher than the technical provisions as of 31 December 2017. The structure of financial assets (HRK billion) 6 Croatia osiguranje d.d. Management Report for 2018 Group In 2018, the CROATIA osiguranje d.d. Group (hereinafter: the Group) achieved consolidated profit after tax and non‐controlling interest in the amount of HRK 337m. In 2018, 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 3,323m, which represents an increase by 6%. The gross written premium of non‐life insurance amounted to HRK 2,637m which represents an increase by 5%, while gross written premium of life insurance amounted to HRK 686m which represents an increase by 7%. Earned premiums in the reporting period amounted to HRK 2,933.8m which represents an increase by 7.9% 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 473m which represents a decrease of 5.5%, with an investment cost of HRK 131m which represents a decrease of 23.2%. Gross claims in 2018 amounted to HRK 1,762m, which is an increase of 4% compared to the same period last year. Acquisition costs and administrative expenses amounted to a total of HRK 1,211m and represents an increase by 5.8% in which administrative expenses increased by 1.7%, and acquisition cost increased by 10%. The increase in acquisition costs and administrative expenses is the result of, among other things, further business reorganization. Total assets of the Group as at 31 December 2018 amount to HRK 11.5 billion, which represents an increase by 5% compared to 31 December 2017. Technical provisions amounted to HRK 7.5 billion, which represents an increase by 3.6% compared to the technical provisions as at 31 December 2017. 7 Croatia osiguranje d.d. Management Report for 2018 Significant business events in the reporting period On 21 March 2018, CROATIA osiguranje d.d. and CROATIA osiguranje kredita d.d., have signed a merger agreement, whereby CROATIA osiguranje kredita d.d. has been merged to the CROATIA osiguranje d.d.
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