- Marketing and development activities of Triglav Group
- Performance of the Triglav Group
- General economic environment in Slovenia
- Impact of the environment on the performance of the Triglav Group
- Insurance market and market position of the Group members in 2011
- Triglav Group’s operations in other markets
- Gross written premium for insurance and co-insurance contracts
- Gross claims paid
- Gross operating costs
- Risk equalisation
- Financial result of the Triglav Group in 2011
- Financial standing of the Triglav Group in 2011
- Cash Flow Statement
- Risk Management
- Significant events after the end of the Reporting Period
- Information on the Triglav Group as at 31 december 2011
- Sales Network of Triglav Group
Risk equalisation
In 2011 Triglav Group equalised 92% of the risks within its own equalisation capacities. Within the Group's equalisation capacities, losses were covered by the current inflow of technical premium by the insurance class and allocated insurance contract provisions. The Triglav Group was able to equalise risks that exceeded its own equalisation capabilities by reinsurance and, to a lesser extent, by co-insurance arrangements.