dunav_osiguranje

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Dunav osiguranjesrpski lider industrije osiguranja

Kompanija Dunav osiguranje najjaa u Srbiji. Kompletno osiguravajue pokrie jedino uDunav osiguranju. Dunav ima najiru mreu, sa 600 prodajnih mesta. - Prvi u zemlji u imovi-nskom osiguranju, etvrti u ivotnom. Odluka o eventualnoj manjinskoj privatizaciji do kraja2013. godine

Intervju: MrMilenka Mila Jezdimirovi, generalna direktorka

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Kompanija Dunav osiguranje je najvea osiguravajua ku-a u Srbiji, lider u industriji osiguranja i jedina kompanijau ovoj industriji koja ima sve vrste osiguranja. Takoe jei jedina kompanija koja stranim investitorima moe daponudi uslove osiguranja kao u njihovim matinim osigu-ravajuim kuama u domicilnim zemljama.

Koliki znaaj ima Komapanija Dunav osiguranje. zasrpsko trite objanjava mrMilenka Mila Jezdimirovi,generalna direktorka.

Da li je Kompanija Dunav osiguranje najvea srpskaosiguravajua kompanija i koliko dugo postoji?

- Kompanija Dunav osiguranje je na tritu osiguranja uSrbiji najvea i najstarija kompanija, sa najirim asortima-nom i lepezom proizvoda i usluga u oblasti osiguranja idominantnom prodajnom mreom. Zbog snage u pogledukapitala, veliine garantnih i tehnikih rezervi, strunih isvih drugih kapaciteta, mree i tradicije, kompanija imamogunosti da prui najiri obuhvat osiguranja i po vrstii po veliini rizika. Dunav osiguranje je lider u industrijiosiguranja u Srbiji i istovremeno jedina osi guravajua ku-a u Srbiji koja moe da prui kompletno osiguravajuepokrie. Kompanija ima tradiciju dugu vie od 140 godina.Dunav osiguranje ima iskljuivo domai kapital i strunekadrove.

Koliko proizvoda nudi Dunav osiguranje?

- Dunav je danas jedina osiguravajua kua na domaemtritu registrovana za poslove osiguranja, reosiguranja,saosiguranja i ostalih usluga u osiguranju., sa vie od 90proizvoda. Sva istraivanja trita ukazuju da je KompanijaDunav osiguranje najjai srpski brend u osiguranju, iakoima otru i veliku konkurenciju na tritu. U Srbiji sadapostoji jo 25 kompanija u oblasti osiguranja.

Da li Dunav osiguranje ima dominantnu mreu na srp-skom tristu?

- Dunav osiguranje ima najjau infrastrukrturu u Srbiji kadasu u pitanju osiguravajua drutva. Imamo 29 glavnih fili-jala. Nalazimo se u svim gradovima u Srbiji i imamo pre-ko 600 prodajnih mesta. Kompanija ima dugu tradiciju i

svoju mreu je razvijala i na teritoriji bivih republika Jugo-slavije i u Srbiji, i sasvim je razumljivo da ima ima najjauinfrastrukrturu u Srbiji od svih osiguravajuih drutava inajiru mrezu. To je pozicionirana kompanija sa prostor-nim kapacitetima, sa ljudskim potencijalom i znanjem iima velike prednosti u odnosu na druge osiguravajuekompanije koje se tek pozicioniraju ili su tek poele darazvijaju svoje mreze. Mi smo zadrali gotovo sve svojepunktove, nita nismo ugasili ili ukinuli, a nadamo se daemo se proirivati kako se bude razvijala industrija osi-guranja. To podrazumeva i nae irenje u regionu.

Kako je bilo poslovanje u proloj godini?

- I pored svega, zadrali smo lidersku poziciju kao vo-dea kompanija u osiguranju i lider smo u gotovo svimvidovima imovinskih osiguranja. Kri za svakako nijezaobila ni Kompaniju Dunav osiguranje, jer nije zaobilani nae klijente. Nismo ostvarili planove koje smo sebi bilizacrtali malo preambiciozno jer smo ih pravili ne slutei

krizu. Ukupan prihod koji je Kompanija ostvarila u 2009.godini iznosi 20.636.586 hilj. dinara, to je 215.213.727EUR obraunato po srednjem kursu na dan 31.12.2009.godine. Znaajan poikazatelj je i podatak o ukupnoj aktiviKompanije na dan 31.12.2009. godine koja je izno sila


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dunav insurane company -Serban leaer n the nsurane nustry dunav insurane company s the strongest ompany n Serba. ull nsurane overage

prove only by dunav insurane company. - dunav has the west network omprsng 600pont o sale.-dunav insurane company ranke frst n the ountry n terms o property n-surane, an orth n terms o le assurane. - deson on a potental mnorty prvatzatonby the en o 2013.

intervew: mr milenka mila jezdiirovic, general manaer

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Dunav Insurance Company is the largest insurance com-pany in Serbia, leader in the insurance industry and theonly company in this industry providing all lines of insur-ance. Also, it is the only company that can offer to foreigninvestors same insurance conditions as those offered bytheir parent insurance companies in the countries of do-micile.mr Milenka Mila Jezdimirovic, General Manager of Du-nav Insurance Company explains how important thiscompany is for the Serbian market.

Is Dunav Insurance Company the largest insurance com-pany in Serbia and how long has it been operating?

- Dunav Insurance Company is the largest and oldestcompany in the Serbian insurance market offering thebroadest range and gamut of products and services in theinsurance sector and having a dominating sales network.Given its strength in terms of capital, the volume of guar-antee and technical reserves, professional and all othercapacities, its network and tradition, the company canprovide the largest scope of insurance in terms of cat-egory and volume of risk. Dunav Insurance Company isthe leader in the insurance industry in Serbia and at thesame time the only insurance company in Serbia provid-ing full insurance coverage. The Company has a 14o yearold tradition. Dunav Insurance Company has exclusivelydomestic capital and professional personnel.

How many insurance industry products are offered byDunav Insurance Company?

- Currently Dunav is the only insurance company in thedomestic market registered for insurance, reinsurance,coinsurance and other insurance services and it providesover 90 products. All market researches show that DunavInsurance Company is the strongest brand in insurance al-though the competition in the market is severe and heavy.Currently there are another 25 companies in the insur-ance sector in Serbia.

Does Dunav Insurance Company have a dominatingnetwork in the Serbian market?

- When it comes to insurance companies, Dunav Insur-

ance Company has the strongest infrastructure in Serbia.We have 29 main branches. We are located in all townsin Serbia and we have over 600 point of sale. The Com-pany has a long tradition and it has been developing itsnetwork across the territory of former Yugoslav republicsand Serbia and it is quite understandable that it has thestrongest infrastructure of all insurance companies in Ser-bia. It is a positioned company with facilities capacities,human recourses and knowledge and it has a big edgeover other insurance companies which are still position-ing themselves or have just started developing their net-works. We have kept almost all our points of sale, wehaven` t closed or wound up any of them and we hope to

expand as the insurance industry will be developing. Thisimplies our expansion in the region.

What products does Dunav Insurance Company offerto foreign investors and to what extent they are usedby them?

- We do not make any distinction between domesticand foreign investors. For us they are equal, but in thecompany portfolio we have foreign investors whichare insured under special conditions like Lukoil forexample that has the status of a domestic company

but the insurance is adjusted. These are operationswhere Dunav Insurance Company complies with theconditions of the country of domicile and undertakesto provide same insurance for them. We havefronting insurance according to foreign programmesthis meaning that we are the only company willingto accept, with the approval of the National Bank ofSerbia, conditions of insurance under which foreigninvestors have stipulated insurance with their parentinsurance companies in the countries of domicile.Dunav Insurance Company can meet any requirementof foreign investors. Dunav is the only companyoffering all types of insurance lines to full professionalliability insurance for which the scope of activities

to be carry out by foreign investors qualifies. Asconcerns clients that according to our assessment areimportant and strategic we adjust specific productsto special arrangements we make with such clients.

Special insurance for foreign investors


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24.184.316 hilj. dinara, to je 252.212.104 EUR obrau-nato po srednjem kursu na dan 31.12.2009. godine. Sadapostoje pozitivni signali oporavka, ali poboljanje uslo vaposlovanja privrede nee se ni lako ni brzo reflektovatina industriju osiguranja. Obino se prilikom utvrivanjatrokova, bilo da je u pitanju velika ili mala kompanijaili neko drugi, troak za osigranje stavlja ili u stranu ilise gleda ako moze bez njega, to nije dobra ni mudraodluka. Zadrali smo nivo premije iz prethodne godine,to u ovim uslovima jeste uspeh.

U kom segmentu osiguranja kompanija najbolje posluje?

- Prema sadanjoj strukturi portfelja Dunav osiguranje jelider u gotovo svim vidovima imovinskih osiguranja, a u i-

votnom osiguranju smo na etvrtom mestu i moemo reida ni u tom segmentu nije losa. Ranije je Dunav osiguranjebio vodea osiguravajua kua i u pogledu imovinskih iu pogledu ivotnih osiguranja. Imao je oko 1,5 milionapolisa ivotnog osiguranja, to je impozantna cifra. Ali, hi-perinflacija koja se dogodila za vreme meunarodnih san-kcija prema Srbiji je prakino taj deo portfelja izbrisala, nesamo kod Dunava, ve i kod drugih. Posebno bih istaklainjenicu da smo lider u oblasti osiguranja motornih vozila.Po verenje nam je ukazalo preko pola miliona vozaa uSrbiji. Lideri smo i u oblasti osiguranja transporta, kao idrugih vidova imovinskih osiguranja. Bruto premija u2009. godini iznosila je 14,678 milijardi dinara, to znaida smo, u uslovima krize nae poslovanje zadrali na ni-

vou iz prethodne godine.

Da li na tritu Srbije ima mesta za dalje irenje poslovaosiguranja?

- U odnosu na region, Srbija je u ovoj oblasti na relativnoskromnom nivou. Trite Srbije jedno je od najnerazvijenijihtrita kada je u pitanju industrija osiguranja. Upravo utome i lei pravi potencijal za na rast. U industriji osi-guranja u zemlji oekuje se rast koji e doi uporedo sarestruktuiranjem i oivljavanjem privrede. Sa porastomGDP sigurno e se poveati mogunost da se u okvirubiznisa i poslovanja u privredi povea i porfelj osiguranja.U svetu je nemogue imati poslovne aranmane, a da oni

nisu pokriveni osiguranjem i svaki biznis je pod obaveznimosiguranjem. Ovde nije tako i moramo da radimo na tomeda se to menja u poslovnom ivotu zemlje. Moramoda radimo i na podizanju svesti stanovnika o potrebipostojanja polisa ivotnog osiguranja. Nai planovi suambiciozni i kada je u pitanju regionalni nastup Kompanije.elimo da se nametnemo kao lider i u regionu.

Da li kompanija ima dovoljno kadrova za dalji razvoj?

- Osiguravajue kue koje su dole u Srbiju preuzele sumnoge nae kolovane i obuene kadrove. KompanijaDunav osiguranje jeste rasadanik kadova, ali moramo dase potrudimo da ne budemo rasipnik kadrova. Liderskupoziciju na domaem tritu osiguranja kompaniji obez-beuje struno znanje zaposlenih, vrsti principi rada iposlovanja, zasnovani na kvalitetu radnih procesa. Naikadrovi imaju brzinu i fleksibilnost u radu, a starosna i

obrazovna struktura zaposlenih je dobra, vodimo briguo strunom usavravanju kadrova, uvodimo nove vrste imoduse osiguranja.

Da li Dunav osiguranje primenjuje u radu meunarodnestandarde?

- Kompanija Dunav osiguranje posluje u skladu sa vaeimmeunarodnim standardima ISO 9001:2008. Sertifikat jedobijen od sertifikacionog tela Kompanije SGS vajcarska- Cirih.

Da li e kompanija Dunav osiguranje biti privatizovana?

- Vlada Republike Srbije e doneti konanu odluku da li eprodati najmanje 20 procenata svog vlasnitva u Kompaniji do31.decembra 2013. godine. Vlada je prepoznala znaaj, snagu

i ulogu jedne snane i velike domae osiguravajue kue kakvaje Dunav osiguranje. Do tog perioda zadatak menadmentaKompanije je da se izvri reorganizacija, kako bi se Kompanijadovela na to vii nivo i njena vrednost znaajno poveala,ali i da bi se Kompanija pripremila za meunarodno trite ikonkurenciju koja e doi sa pridruivanjem i ukljuivanjem uEvropsku uniju. Prvi smo uveli posebnu funkciju Compliance(kontrola usklaenosti poslovanja) u okviru koje e se pratitiusklaenost poslovanja u okviru cele Kompanije i svih naihest zavisnih preuzea sa svim meunarodnim standardima,propisima i etikim i moralnim principima poslovanja.

Kakve proizvode nudi Dunav osiguranje straniminvestitorima i koliko ih oni koriste?

- Mi ne razlikujemo posebno domae i strane inve-stitore. Oni su za nas jednaki, ali u portfelju kompa-nije imamo strane investitore, kao to je Lukoil naprimer, koji su osigurani pod posebnim uslovima.Lukoil ima status domae kompanije, ali je osiguranjeprilagoeno.To su poslovi u kojima Dunav osigranjeprihvata uslove osiguranja domicilne zemlje i obave-zujemo se da cemo ih isto osigurati. Imamo frontingosiguranja po inostranom programu. To znai da smomi jedina kompanija koja je spremna da prihvati uslo-

ve osiguranja uz saglasnost Narodne banke Srbijepo kojima su strani investitori zakljuili osiguranja sasvojim matinim osiguravajuim drutvima u domicil-nim dravama. Dunav osiguranje moe da zadovoljisvaki zahtev stranih investitora. Na tritu osiguranja uSrbiji, jedino Dunav ima sve vrste osiguranja do potpuneodgovornosti iz delatnosti kojom e se strani investitorbaviti. Kada procenimo da su u pitanju strateki i vaniklijenti, posebne proizvode prilagoavamo posebnimaranmanima sa takvim klijentom.

Posebno osiguranje za strane investitore

Dunav osiguranje ima zavisna preduzea kao to su

Dunav drutvo za upravljanje dobrovoljnim penzijskimfondom, Dunav Re, Dunav auto, Dunav trgovina, Dunavturist, Dunav Stockbroker I Kosig Dunav osiguranje,koja obavljaju iroki spektar specijalizovanih usluga.

Zavisna preduzea


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How did Dunav Insurance Company operate last year?

- In spite of everything, we retained the foremost po-sition as the leading company in the insurance businessand we are leader in almost all lines of property insur-ance. The crisis has certainly impacted Dunav InsuranceCompany because of its adverse effect on our clients. Wehavent fulfilled the plans we have set up a little bit tooambitiously because while making them we havent sus-pected a crisis.In 2009 the total realized revenue of the Company was20.636.586 Dinars i.e. 215.213.727 EUR calculated ac-cording to the mean exchange rate as of 31.12.2009. Animportant indicator is data on the Company total assetsthat on 31.12.2009 amounted to 24.184.316 dinars i.e.

252.212.104 EUR calculated according to the mean ex-change rate as of 31.12.2009.Now there are positive signs of recovery, but as concernsthe insurance industry the effects of an improvement inthe operating conditions will require time and effort toshow.Usually when determining the expenses, no matter if is asmall or large company or anyone else, the expenses forinsurance are set aside or sought to be avoided somehowwhich is a decision neither good nor wise. We have main-tained the level of premium of last year, which given thecircumstances is a success.

Which is the most successful insurance segment of the

Company?

- According to the current portfolio structure, Dunav In-surance is a leader in almost all property insurance lines,whereas it holds the forth place on the life insurance mar-ket and we can say that such position in that segment isnot bad at all. Dunav Insurance was formerly the leadinginsurance company in terms of property and life insur-ance. The Company had around 1,5 mil. life insurancepolicies, which is a great digit. However, the hyperinflationthat occurred during the international sanctions againstSerbia practically wiped out that part of the portfolio, notonly of Dunav Insurance, but of other insurers as well. Iwould especially point out the fact that we are the leader

in motor vehicle insurance. More that half a million driversin Serbia have placed their trust in us. We are leaders intransport insurance, as well as in other property insurancelines. Gross premium in 2009 amounted to 14,678 bn.Dinars, which means that we managed during the crisis toretain our business at the level of previous year.

Is it possible to further expand insurance business onSerbian market?

- As compared to the region, in terms of this industry, Ser-bia is at rather moderate level. Serbian insurance marketis one of the most underdeveloped insurance markets.That is exactly where the real potential for growth lies.Insurance industry in our country is expected to growalongside with the economic restructuring and upturn.With the increase of GDP, the possibility to increase theinsurance portfolio in economy will certainly enlarge.

Worldwide it is not possible to develop any business ar-rangements without insurance coverage and every busi-ness is covered under mandatory insurance. The situa-tion is not like that here and we have to make efforts tochange that in the business environment of our country.We have to work on raising awareness of the citizens re-garding necessity of life insurance. Our plans regardingregional performance of the Company are also ambitious.We want to become a regional leader.

Does the Company have sufficient human resourcesfor further development?

- Insurance companies that have entered Serbia have tak-en over lots of our educated and trained employees. Du-

nav Insurance Company is a breeding ground for profes-sionals and we have to make sure not to lose them. Whatensures the Companys leading position on the domesticinsurance market is the professional knowledge of em-ployess, strict work and business principles based on thequality of work processes. Our employees are fast andflexible in their work and the age and education structureof employees are good. We take care of professional edu-cation of employees and introduce new insurance linesand insurance modes.

Does Dunav Insurance Company apply internationalstandards in its business operations?

- Dunav Insurance Company operates in accordance withthe valid international standards ISO 9001:2008. TheCompany has been granted a Certificate by the SGS Cer-tification Body Switzerland, Zurich.

Will Dunav Insurance Company be privatised?

- The Government of the Republic of Serbia shall by De-cember 31, 2013 finally decide whether it will sell at least20% of its share in the Company.The Government has recognised the significance, pow-er and role of a powerful and large domestic insurancecompany such as Dunav Insurance. By then, the Com-pany management will have to reorganise the Company

in order to take it to the best possible level and increaseits value, as well as to prepare it for the international mar-ket and competition, once our country joins the EuropeanUnion.We are the first to introduce the Compliance function(control of business compliance) within which the con-formity of all business operations of the Company andits six subsidiaries with all international standards, regula-tions and ethical and moral business principles shall bemonitored.

Dunav Insurance Company has subsidiary companiessuch as Dunav Company for the Management of

the Voluntary Pension Fund, Dunav Re, Dunav Auto,Dunav Trade, Dunav Tourist, Dunav Stockbroker andKosig Dunav Insurance providing a broad range ofspecialized services.

Subsidiaries

www.dunav.co

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