Operational efficiency ratios | 2016 | 2017 | 2018 | 2019 | 2020 | |
1. | Gross claims and benefits ratio (simple) (gross claims and benefits/gross written premium) x 100% | 63.7% | 67.3% | 63.8% | 66.5% | 67.5% |
2. | Claims and benefits ratio on own share (net claims and benefits / earned premium on own share) x 100% | 68.4% | 70.0% | 65.2% | 68.0% | 67.7% |
3. | Insurance activity expense ratio (insurance activity expenses/earned premium on own share) x 100% | 22.5% | 21.1% | 21.4% | 22.3% | 22.6% |
4. | Insurance acquisition expense ratio (acquisition expenses/premium earned on own share) x 100% | 14.3% | 14.0% | 14.5% | 15.1% | 15.3% |
5. | Administrative expense ratio in the insurance segments (administrative expenses/premium earned on own share) x 100% | 8.3% | 7.2% | 6.9% | 7.2% | 7.4% |
6. | Combined ratio (COR) in non-life insurance (net claims and benefits + insurance activity expenses) / net premium earned on own share x 100% | 94.9% | 89.6% | 87.1% | 88.5% | 88.2% |
7. | Operating profit margin in life insurance (operating profit /gross written premium) x 100% | 25.3% | 19.3% | 21.3% | 20.5% | 18.6% |
8. | Cost / Income ratio - banking operations | 44.4% | 48.0% | 42.3% | 40.8% | 43.2% |
e-mail: IR@pzu.pl
Magdalena Komaracka, IR Director, tel. +48 (22) 582 22 93
Piotr Wiśniewski, IR Manager, tel. +48 (22) 582 26 23
Aleksandra Jakima-Moskwa, tel. +48 (22) 582 26 17
Aleksandra Dachowska, tel. +48 (22) 582 43 92
Piotr Wąsiewicz, tel. +48 (22) 582 41 95