Romanian Insurance. in the CEE landscape

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1 Romanian Insurance Market in the CEE landscape ORACLE Insurance Day, Bucharest, - April 7, 2011

2 CEE, RUSSIA & CIS 1H2010 INSURANCE MARKETS REGIONAL STATISTICS CONTRY RESULTS COMPANIES TRENDS MAJOR GROUPS

3 Albania (AL) Bosnia and Herzegovina (BiH) Bulgaria (BG) Croatia (HR) Czech Republic (CZ) Estonia (EE) Hungary (HU) Kosovo (KV) Latvia (LV) Lithuania (LT) Macedonia (MK) Montenegro (MN) Poland (PL) Romania (RO) Serbia (SB) 17 Slovakia (SK) countries Slovenia (SI)

4 1H2010/ % 2009/ % 1H2009/ % 2008/ % June 30th, 2010 Gross Written Premium EUR 16.2 billion

5 June 30th, 2010 Gross Written Premium EUR 16.2 billion

6 LIFE INSURANCE TOP 3 countries POLAND CZECH Rep. HUNGARY

7 LIFE INSURANCE TOP 5 companies

8 NON-LIFE INSURANCE TOP 3 countries POLAND CZECH Rep. ROMANIA

9 NON-LIFE INSURANCE TOP 5 companies

10 2010 CEE Preliminary Figures

11 The CEE markets insurance portfolio CEE Slovenia Slovakia Serbia Romania Poland Macedonia* Lithuania Latvia Hungary Estonia Czech Rep. Croatia Bulgaria Albania 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Life Other Property Motor Hull MTPL

12 2010 & 2009 GWP by country (EUR b.) GWP 2009 GWP Croatia Czech Rep. Hungary Poland Romania Slovenia

13 2010 & 2009 Insurance Density (EUR/capita) 1, Insurance density 2009 Insurance density CEE AVERAGE 2009: 254 EUR/capita 2008: 275 EUR/capita 1,047 1,

14 /2009 GWP Dynamic (%) Romania Montenegro Croatia Hungary Slovenia Bosnia Albania Macedonia Kosovo Czech Rep. Poland Estonia

15 2010/2009 Paid Claims Dynamic (%) Croatia Poland Slovenia Macedonia Romania Estonia Albania Kosovo

16 CEE, RUSSIA & CIS 2010 INSURANCE MARKETS REGIONAL STATISTICS CONTRY RESULTS COMPANIES TRENDS MAJOR GROUPS

17 ROMANIA

18 Romanian Insurance Market Development Market portfolio in 2010: Life insurance General insurance 2000 EUR 1,6 b. General insurance 1500 EUR 0,4 b. Life insurance Young market, with huge, still unexploited potential Until 2008: Double digit growth rates Very high dynamics compared to the European average In 2009, the market decreased below the 2007 level In 2010, the market decreased below the EUR 2 billion level

19 ROMANIA

20 ROMANIA 2010/2009 GWP -6.8% EUR 1,6 bln CLAIMS -7.8% EUR 1,1 bln NON - LIFE

21 ROMANIA 2010/2009 GWP 3 % EUR 390 m LIFE

22 2010: Penetration Degree; Insurance Density Young market, with huge, still unexploited potential Insurance density: it has diminished by approx. EUR 4 and has the value of EUR 92/capita, below the 2007 value; Penetration in GDP degree has decreased to 1.63%, below the 2007 value

23 IT applications used in insurance Media XPRIMM has submitted, during April 1 st -April 5 th, an open questionnaire to insurance companies and brokers Objective: Used applications Suppliers Implementation date

24 IT applications used in insurance The answers were provided by 36 companies 12 insurers 24 insurance brokers

25 IT applications used in insurance Implementation The first software was implemented in

26 IT applications used in insurance IT Apps mentioned by the 36 companies: 24Broker ACID ASIGEXPRESS AUDATEX BROK PHP BrokAsig BROKER ONLINE CHARISMA Enterprises CITY-INS CONTIF CORIS PAS DOCUMENTUM Emitere Electronica RCA EMSYS 4.0 Asigurări EQUITAS ERP E-SET E-SIMBA FUFI - Future First ibroker IDES INCAS INSIS INTELIGENT IQB IRIS WEB KORIN MATRIX ROM MODELING OFI - Oracle financial

27 IT applications used in insurance IT Apps mentioned by the 36 companies: OMNIASIGONLINE.RO PAM - Optical Archive ROCAM SAP SAP FI CO BW SIIAWEB SIMBA SINTACT SRL - Sesizari Reclamatii Litigii TEAMBROKER UDA - Universal Data Architecture WEB-Service WIZCOUNT WIZSALARY WS XasiG xbroker Studio ZE

28 IT Providers IT providers mentioned by the 36 companies: AUDATEX C.S.C. - COMPUTER SCIENCE CORPORATION CAMSCAPE SERVICE ENDAVA FADATA BULGARIA GREENGRASS GROUP HELIX SOFTWARE H&S HEILIG UND SCHUBERT SOFTWARE INTERSOFT CENTER ISIS M3 IT SOFT BULGARIA KL SOFTWARE CLUJ-NAPOCA MATRIX ROM OMEGA SD ORACLE PRIN IQUEST

29 IT Providers IT providers mentioned by the 36 companies: PRODINF SOFTWARE RHEA SOFT EXPERT ROMSYS SAP SOFTECH95EXIM SRL SOFTEH PLUS SOFTEH SRL SOFTELIO & HELIX SOFTWAREX SRL STAR STORAGE TEAM FIRST SOFTWARE & CONSULTING TOTAL SOFT WIZROM SOFTWARE WIZSALARY SOFTWARE WNET INTER MEDIA SRL WOLTERS KLUWER XPERT GROUP

30 IT applications used in insurance 36 companies 44 softwares 14 internal 30 external

31 Romanian Insurance Market in the CEE landscape ORACLE Insurance Day, Bucharest, - April 7, 2011

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