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Triglav Group Investor Presentation

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Triglav Group is going to be a 100% owner of Skupna pokojninska družba

This purchase enables Triglav to efficiently consolidate its pension insurance segment in Slovenia, more information in announcement.


High “A” Credit Rating with Stable Medium-Term Outlook Reaffirmed

On 7 September 2018, S&P Global Ratings (hereinafter: S&P) confirmed the “A” Long-Term Credit Rating and Financial Strength Rating of Triglav Group and thereby of its parent company Zavarovalnica Triglav and its subsidiary Pozavarovalnica Triglav Re. Both credit ratings have a stable medium-term outlook. According to S&P, the reaffirmed high ratings reflect the Group’s leading position both in the Slovene growing market and the region, its stable and profitable operations in recent years and a sound risk-based capital adequacy.


More information in announcement.


In H1 2018 premium growth in all insurance markets and segments, annual profit guidance confirmed

Andrej Slapar, President of the Management Board of Zavarovalnica Triglav d.d., said: “The first half of the year was characterised by our dynamic operations. Along with good premium growth they were affected by CAT loss events and lower return on our investments. In terms of annual and strategic objectives, we are satisfied with the achieved. In all our markets and in both business segments, we continued to consistently carry out activities related to our growth and development strategy. All of the Group’s activities are centred around our clients, adapting our operations to their needs as well as digitising and streamlining our processes, in addition to developing comprehensive insurance products and services along with the omni-channel approach to our clients. I believe that the energy, expertise and engagement of our team of over 5 thousand colleagues are a good basis to effectively achieve what we pursue.”


The Triglav Group, the leading insurance/financial group in the Adria region, generated profit before tax of EUR 35.6 million. Premium growth was recorded in all insurance markets and all three insurance segments of the Group (non-life, life and health insurance), in addition to increasing the volume of AUM. Compared with the same period last year, profit was lower (index 84) as a result of major CAT loss events and a lower return on investments in 2018. Such operating conditions have been duly taken into account in the plans for 2018. Taking into account the business conditions anticipated until the end of the year, at the half-year the Group confirms that the budgeted range of annual profit will be realised. In the first half of the year, the Group consistently implemented its growth and development strategy, which among others includes the strengthening of the Group’s position as the leading asset manager in the region. This year’s acquisition of Raiffeisen Mirovinsko osiguravajuče društvo in the Croatian pension insurance market is related thereto.


More information in H1 2018 report and IR presentation.


Analyst Conference on Triglav Group under Solvency II in 2017

On 21 June 2018 Zavarovalnica Triglav held an analyst conference on Triglav Group under Solvency II in 2017 at the Triglav LAB innovation center. For more information see the attached presentation.





Business Plan of the Triglav Group for 2018

The Group plans to generate between EUR 80 and 90 million in profit before tax and earn a total of over EUR 1 billion in consolidated gross written premium, while the combined ratio target is set at a favourable level of around 95%. In 2018, the Group's operations are expected to be marked by an improved macroeconomic situation in the region, increased competitiveness in insurance markets and further lower return on investment on account of low interest rates. The Group’s goal is to continue with the consistent implementation of the 2017-2020 Strategy in order to dynamically develop new ways of doing business as the foundation of the Group’s responsible long-term development, while at the same time operating profitably and safely.


More information in Business Plan 2018.