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Situatia activelo
Denumirea elementului
ACTIV
ACTIVE NECORPORALE
I. Imobilizari necorporale
1. Cheltuieli de constituire
2. Cheltuieli de dezvoltare
3. Concesiuni, brevete. Licente, marci , drepturi si valori similare
4. Fondul comercial
5. Avansuri si imobilizari necorporale in curs de executie
6. Alte imobilizari necorporale
TOTAL (rd.01 la 06)
PLASAMENTE
I. Plasamente in imobilizari corporale si in curs
1. Terenuri si constructii
2. Avansuri si plasamente in imobilizari corporale in curs de executie
TOTAL (rd.08+rd.09)
II. Plasamente detinute la societatile afiliate si sub forma de interese de
participare si alte plasamente in imobilizari financiare
1. Titluri de participare detinute la societatile afiliate
2. Titluri de creanta si imprumuturi acordate societatilor afiliate
3. Participari la societatile in care exista interese de participare
4. Titluri de creanta si imprumuturi acordate societatilor in care exista interese de
participare
5. Alte plasamente in imobilizari financiare
TOTAL (rd.11 la 15)
III. Alte plasamente financiare
1. Actiuni, alte titluri cu venit variabil si unitati la fondurile comune de plasament
2. Obligatiuni si alte titluri cu venit fix
3. Parti in fonduri comune de investitii
4. Imprumuturi ipotecare
5. Alte imprumuturi
6. Depozite la institutiile de credit
7. Alte plasamente financiare
TOTAL (rd.17 la 23)
IV. Depozite la societatile cedente
PLASAMENTE AFERENTE ASIGURARILOR DE VIATA PENTRU CARE EXPUNEREA LA
RISCUL DE INVESTITII ESTE TRANSFERATA CONTACTANTILOR
TOTAL PLASAMENTE (rd.10+16+24+25+26)
PARTEA DIN REZERVELE TEHNICE AFERENTE CONTRACTELOR CEDATE IN
REASIGURARE

I. Partea din rezervele tehnice aferente contractelor cedate in reasigurare la


asigurari generale
1. Partea din rezerva de prime aferenta contractelor cedate in reasigurare
2. Partea din rezerva pentru participare la beneficii si risturnuri aferenta contractelor
cedate in reasigurare
3. Partea din rezeva de daune aferenta contractelor cedate in reasigurare
4. Partea din alte rezerve de daune aferenta contractelor cedate in reasigurare
a)Partea din rezerva pentru riscuri neexpirate aferenta contractelor cedate in reasigurare
b) Partea din rezerva de catastrofa aferenta contractelor cedate in reasigurare
c) Partea din alte rezerve tehnice aferenta contractelor cedate in reasigurare
TOTAL (rd.28 la 33)
II. Partea din rezervele tehnice aferente contractelor cedate in reasigurare la
asigurari de viata
1. Partea din rezerva matematica aferenta contractelor cedate in reasigurare
2. Partea din rezerva de prime aferenta contractelor cedate in reasigurare
3. Partea din rezerva pentru participare la beneficii si risturnuri aferenta contractelor
cedate in reasigurare
4. Partea din rezerva de daune aferenta contractelor cedate in reasigurare
5. Partea din alte rezerve tehnice aferenta contractelor cedate in reasigurare
TOTAL (rd.35 la 39)
III. Parte din rzeerva matematica aferenta asigurarilor de viata pentru care
expunere la riscul de investitii este transferata contractantilor cedata in
reasigurare
TOTAL (rd.34+40+41)
CREANTE
Sume de incasat de la societatile afiliate
Sume de incasat din interese de participare
TOTAL (rd.43+44)
I. Creante provenite din operatiuni de asigurare directa
1. Asigurati
2. Intermediari in asigurari
3. Alte creante provenite din operatiuni de asigurare directa
TOTAL (rd.46 la 48)
II.Creante provenite din operatiuni de reasigurare
III. Alte creante
IV. Creante privind capitalul subscris si nevarsat
ALTE ELEMENTE DE ACTIV
I.Imobilizari corporale si stocuri
1. Instalatii tehnice si masini
2. Alte instalatii, utilaje si mobilier
3. Avansuri si imobilizari coporale in curs de eexcutie
TOTAL (rd.53 la 55)
Stocuri

4. Materiale consumabile
5. Avansuri pentru cumparari de stocuri
TOTAL (rd.57+58)
II. Casa si conturi la banci
III. Alte elemente de activ
CHELTUIELI IN AVANS
I. Dobanzi si chirii inregistrate in avans
II. Cheltuieli de achizitie reportate TOTAL (rd.64+65)
1. Cheltuieli de achizitie reportate privind asigurarile generele
2. Cheltuieli de achizitie reportate privind asigurarile de viata
III. Alte cheltuieli inregistrate in avans
TOTAL (rd.62+63+66)
TOTAL ACTIV
PASIV
CAPITAL SI REZERVE
I. Capital
Capital social din care:
capital subscris varsat
II. Prime de capital
III. Rezerve din reevaluare
IV. Rezerve
1. Rezerve legale
2. Rezerve statutare sau contractuale
3. Rezerve reprezentand surplusul realizat din rezerve din reevaluare
4. Alte rezerve
5. Actiuni proprii
TOTAL (rd.73 la 76 -77)
V. Rezultatul reportat
1. Rezultatul reportat reprezentand profitul nerepartizat sau pierderea neacoperita
2. Rezultatul reportat provenit din adoptarea pentru prima data a IAS mai putin IAS 29
3. Rezultatul reportat provenit din corectarea erorilor contabile
4. Rezultatul reportat provenit din trecerea la aplicarea reglementarilor contabile
conforme cu Directivele Europene
VI. Rezultatul exercitiului
VII. Repartizarea profitului
TOTAL
DATORII SUBORDONATE
REZERVE TEHNICE
I. Rezerve tehnice privind asigurarile generale
1. Rezerva de prime privind asigurarile generale
2. Rezerva pentru participare la beneficii si risturnuri privind asigurarile generale

3. Rezerve daune privind asigurarile generale


a) Rezerva de daune avizate
b) Rezerva de daune neavizate
4. Alte rezerve tehnice pentru asigurarile generale
a) Rezerva pentru riscuri neexpirate
b) Rezerva de catastrofa
c) Alte rezerve tehnice
II. Rezerve tehnice privind asigurarile de viata
1. Rezerve matematice
2. Rezerva de prime asigurari de viata
3. Rezerva pentru participare la beneficii si risturnuri privind asigurarile de viata
4. Rezerva de daune privind asigurarile de viata
a) Rezerve de daune avizate
b) Rezerva de daune neavizate
5. Alte rezerve tehnice privind asigurarile de viata
III. Rezerva de egalizare
TOTAL (rd.92+102+110)
REZERVA MATEMATICA AFERENTA ASIGURARILOR DE VIATA PENTRU CARE
EXPUNEREA LA RISCUL DE INVESTITII ESTE TRANSFERATA CONTRACTATILOR
PROVIZIOANE
1. Provizioane pentru pensii si alte obligatii similare
2. Provizioane pentru impozite
3. Alte provizioane
TOTAL (rd.113 la 115)
DEPOZITE PRIMITE DE LA REASIGURATORI
DATORII
Sume datorate societatilor afiliate
Sume datorate privind interesele de participare
I. Datorii provenite din operatiuni de asigurare directa
II. Datorii provenite din operatiuni de reasigurare
III. Imprumuturi din emisiuni de obligatiuni
IV. Sume datorte institutiilor de credit
V. Alte datorii, inclusiv datorii fiscale si datorii pentru asigurarile sociale
TOTAL (rd.118 la 124)
VENITURI IN AVANS
I. Subventii pentru investitii
II. Venituri inregistrate in avans
TOTAL (rd.126+127)
TOTAL PASIV
Capital propriu
Rezerve tehnice
Lichiditatea
Active lichide

Partea cedata in reasigurare


Rezerva de daune, neta de reasigurare
Oblig. Asigurator pe termen scurt

Solvabilitate
Rezerva de daune neta de reasigurare
e1
e= min(1;e1)
y4
y5
B14
Rezerva de daune
b1
b= max(0.5;b1)
B1
B2
B3=B4
B5
B6
B7=B8
B11
Suma B
B1/SUMA B (pondere 11,12,13)
Aproximare B1/SUMA B
Pondere restul claselor
Variatia rezervei de prime (+/-) (ct tehnic al asig. generale)
B9
B10
B12
B13= max (B11;B12)
min (B13,B14)
B13-B14
max (B13-B14;0)
y1
C12
C1
C2
C3=C4
Suma c
C1/SUMA C (pondere 11,12,13)
Aproximare C1/SUMA C
Pondere restul claselor
Rezerva de daune ( 9. Rezerve tehnice)

C5
C6
Venituri nete din recuperari si regres (28. Alte venituri si cheltuieli tehnice)
C7
C8
Pondere n-2 (anexe CSA)
Aproximare pondere n-2
Pondere restul claselor
C9
C10
C11
c
c* C11
min (c*C11;C12)
max (c*C11-C12;0)
y2
y3= max(y1;y2)
y=max(y3;y5)
x marja de solv disponibila
gs

Adecvarea capitalului
FS1
FS2
FS=max (FS1;FS2)

Situatia activelor, datoriilor si a capitalurilor proprii


Sold la

Nr.Rd.

12/31/2012
X
X
X
1
2
3
4
5
6
7

12/31/2011
X
X
X

0
0
1,675,851
0
332,643
0
2,008,494
X
X

8
9
10

X
X
X
0
0
3,799,307
0
0
0
3,799,307

X
X
14,250,247
0
14,250,247

12/31/2010

0
0
4,867,131
0
0
0
4,867,131
X
X

21,101,847
0
21,101,847
X

22,513,168
0
22,513,168
X

11
12
13

542,810,627
0
30,000

563,811,243
0
30,000

588,840,716
0
30,000

14
15
16

0
1,036,312
543,876,939

0
970,092
564,811,335

1,338,685
590,209,401

17
18
19
20
21
22
23
24
25

4,940,759
544,211,184
0
0
0
24,554,802
0
573,706,745
0

3,644,777
524,427,917
0
0
0
26,963,604
0
555,036,298
0

10,176,499
458,342,741
0
0
0
72,862,511
0
541,381,751
0

26
27

218,581,090
1,350,415,021

192,390,537
1,333,340,017

193,216,966
1,347,321,286

28

61,263,616

67,922,359

74,306,459

29
30

0
151,836,995
0

0
118,348,194
0

0
180,438,899
0

31
32

0
0

0
0

0
0

33
34

0
213,100,611

0
186,270,553

0
254,745,358

35
36

0
1,549,986

0
1,410,941

0
1,283,600

37
38

0
1,145,101

0
818,319

0
441,290

39
40

0
2,695,087

0
2,229,260

0
1,724,890

41
42

0
215,795,698

0
188,499,813

0
256,470,248

X
43
44
45

X
17,000,616
0
17,000,616

X
46
47
48
49
50
51
52

0
0
0
X

235,694,843
4,841,587
0
240,536,430
67,724,859
21,136,096
0
X
X

53
54
55
56

0
0
0
X

264,596,361
2,493,830
0
267,090,191
69,956,754
30,571,455
0
X
X

1,797,028
556,817
420,579
2,774,424
X

321,535,582
216,152
0
321,751,734
53,238,724
32,170,823
0
X
X

4,066,938
725,018
0
4,791,956
X

14,281,581
1,101,974
252,508
15,636,063
X

57
58
59
60
61

778,573
0
778,573
18,194,672
0
X

62
63
64
65
66
67
68

X
183,580
52,326,292
50,753,101
1,573,191
1,070,215
53,580,087
1,984,944,970

X
X
X
69
70
71
72

94,393,890
94,393,890
321,887,328
12,415,031

73
74
75
76
77
78
79
80

C
D
C
D

81
82
83
84

D
C
D
C

85
86
87
88

X
X
X
94,393,890
94,393,890
321,887,328
18,968,818
X
14,288,919
0
5,247,116
59,305,952
0
78,841,987

12,800,583
0
4,728,059
71,349,669
0
88,878,311
X

29,628,272
0

51,452,605
0

70,354,551
0

1,446,310
6,228
6,230,089
0

1,446,310
6,228
0
44,849,432

1,446,310
6,228
0
44,849,432

0
1,295,786
0
42,742,255
0
521,076,766
0

0
1,295,786
24,513,434
0
1,488,336
543,345,533
0

0
1,295,786
18,901,946
0
0
530,875,816
0

X
92
93
94

225,321
56,027,329
53,255,057
2,772,272
1,978,048
58,230,698
2,104,579,498

94,393,890
94,393,890
321,887,328
18,449,761

14,288,919
0
6,815,990
78,015,206
0
99,120,115

89
90
91

1,943,296
0
1,943,296
12,949,495
0

223,908
51,018,560
49,495,162
1,523,398
863,475
52,105,943
1,964,919,289
X
X
X

C
D

1,470,910
0
1,470,910
13,292,943
0

X
910,252,742
395,544,629
0

X
857,384,694
403,953,127
0

993,781,652
475,406,867
0

95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111

496,550,233
399,561,378
96,988,855
18,157,880
0
18,157,880
0
89,341,398
44,242,333
32,564,622
2,755,512
9,778,931
3,505,332
6,273,599
0
0
999,594,140

435,273,687
327,824,446
107,449,241
18,157,880
0
18,157,880
0
75,712,020
36,705,223
27,689,539
2,336,310
8,980,948
2,972,775
6,008,173
0
0
933,096,714

500,216,905
381,290,460
118,926,445
18,157,880
0
18,157,880
0
63,057,365
30,848,593
23,017,520
1,760,259
7,430,993
2,193,071
5,237,922
0
0
1,056,839,017

112

218,581,090

192,390,155

193,216,967

X
113
114
115
116
117

X
0
0
21,855,353
21,855,353
0

X
118
119
120
121
122
123
124
125

0
0
17,367,997
17,367,997
0
X

0
0
1,310,809
121,809,417
0
0
70,022,973
193,143,199
X

126
127
128
129

X
0
0
14,502,832
14,502,832
0
X
0
0
912,249
166,262,040
0
0
75,231,092
242,405,381

0
0
1,173,851
191,178,181
0
0
79,390,617
271,742,649
X

0
30,964,422
30,964,422
1,984,944,970

0
36,313,509
36,313,509
1,964,919,289

0
37,402,217
37,402,217
2,104,579,498

521,076,766
1,218,175,230

544,833,869
1,125,486,869

568,679,708
1,250,055,984

1.371
589,431,038

1.473
566,506,853

1.316
549,242,997

-152,982,096
353,347,068
429,838,116

-119,166,513
325,088,122
384,671,379

-180,880,189
326,767,709
417,207,804

2012
344,713,238.00
1.088
1
139,241,473
139,241,473
271,479,310
496,550,233
0.685327346
0.685327346
28,590,699
778,057,223
0
0
-780695
0
820,162,577
806,647,922
3.544
3.5
96.50
-8,408,498
-294,297
-8,114,201
828,718,223
828,718,223
271,479,310
557,238,913
557,238,913
94,591,966
189,991,230
8,145,479
547,439,079
0
555,584,558
1.466
1.5
98.5
496,550,233

2011
316,925,494.00
0.991
0.991
139,241,473
137,988,300
264,797,610
435,273,687
0.6395399693
0.6395399693
25,607,638
786,494,692
0
0
937837
0
825,843,986
812,102,330
3.153
3.2
96.80
-71,453,740
-228,651,968
-6,916,722,032
8,085,543,970
8,085,543,970
264,797,610
7,820,746,360
7,820,746,360
830,751,540
185,315,130
10,647,002
565,432,979
0
576,079,981
1.848
1.8
98.2
435,273,687

2010
319,778,006.00
1.278
1
139,241,473
139,241,473
262,658,240
500,216,905
0.576676764
0.576676764
23,182,584
915,621,600
0
0
-3965984
0
946,429,492
938,804,184
2.469
2.5
97.50
-132,418,415
-331,046,038
-12,910,795,463
14,353,794,011
14,353,794,011
262,658,240
14,091,135,771
14,091,135,771
1,327,429,295
183,817,920
9,015,307
756,329,737
0
765,345,044
1.178
1.2
98.8
500,216,905

7,448,253
489,101,980
55,551,153
833,267
54,717,886
1.18
1.18
98.82
5,902,559
494,314,346
500,795,686
0.3333333333
166,931,895
166,931,895
0
29,744,778
94,591,966
139,241,473
465,176,900
3.34

7,834,926
427,438,761
27,661,266
497,903
27,163,363
0.72
0.72
99.28
3,250,563
448,216,503
539,592,067
0.3333333333
179,864,022
179,864,022
0
29,907,860
830,751,540
830,751,540

46,413,824
16,386,190
46,413,824

276,917,180
15,982,890
276,917,180

6,002,603
494,214,302
0.44
0.44
99.56
1,876,262
424,546,999

la

12/31/2009
X
X
X

12/31/2008
X
X
X0

0
0
1,944,688
0
1,918,001
0
3,862,689
X
X

0
0
2,079,055
0
0
0
2,079,055
X
X

23,646,059
0
23,646,059
X

X
530,112,840
0
30,000

210,112,840
0
30,000

0
1,191,981
531,334,821

0
1,074,968
211,217,808

32,019,543
23,494
32,043,037

X
13,844,228
364,991,200
0
0
0
120,360,914
0
499,196,342
0

3,611,010
264,900,919
0
0
0
112,240,995
0
380,752,924
0

166,513,675
1,220,690,897

131,952,597
755,966,366
X

X
302,686,368

335,681,198

0
201,155,708
0

0
201,790,206
0

0
0

0
0

0
503,842,076

0
537,471,404

X
0
1,540,170

0
1,492,791

0
830,487

0
24,244

0
2,370,657

0
1,517,035

0
506,212,733

0
538,988,439

X
21,374,624
0
21,374,624

324,730,212
0
324,730,212
X

439,861,755
220,583
0
440,082,338
202,689,759
33,286,309
0
X
X

484,285,756
50,572
0
484,336,328
266,179,359
40,028,203
0
X
X

15,640,212
1,255,157
780,007
17,675,376
X

17,307,837
1,963,658
289,866
19,561,361
X

2,601,096
0
2,601,096
21,173,030
0
X

2,358,783
0
2,358,783
22,943,986
268
X

485,830
68,717,560
66,206,901
2,510,659
956,191
70,159,581
2,539,808,432
X
X
X

365,348
71,814,550
67,944,160
3,870,390
585,243
72,765,141
2,529,937,501
X
X
X

66,638,505
66,638,505
321,887,328
18,903,184
X

66,638,505
66,638,505
321,887,328
26,445,772
X

12,800,583
0
4,726,441
60,167,662
0
77,694,686
X

10,377,456
0
4,510,263
27,248,331
0
42,136,050
X

77,101,254
6,792,515

63,161,948
13,494,340

1,446,310
6,228
0
46,665,265

1,446,310
6,228
0
46,665,265

0
1,295,786
0
29,650,798
1,849,601
536,712,670
0

0
1,295,786
0
22,979,259
1,764,602
481,468,951
0

X
1,077,450,228
607,825,282
0

1,095,232,975
650,651,834
0

451,467,066
329,026,147
122,440,919
18,157,880
0
18,157,880
0
59,968,163
26,695,516
23,289,314
1,180,084
8,803,249
4,985,878
3,817,371
0
0
1,137,418,391

426,423,261
309,996,149
116,427,112
18,157,880
0
18,157,880
0
49,533,845
21,401,741
23,775,578
542,755
3,813,771
1,353,754
2,460,017
0
0
1,144,766,820

166,513,676

131,964,878

X
0
1,575,744
12,856,609
14,432,353
0

0
0
9,546,967
9,546,967
0
X

0
0
1,757,413
473,734,599
0
0
107,431,700
582,923,712
X

0
0
1,348,632
543,965,284
0
0
116,801,109
662,115,025
X

0
101,807,630
101,807,630
2,539,808,432
486,053,190
1,303,932,067
1.429
513,447,258

0
100,074,860
100,074,860
2,529,937,501
450,769,375
1,276,731,698
1.220 >1
401,891,405

Lichiditate
1.5
1.45
1.4
1.35
1.3
1.25
1.2
1.15
1.1
1.05
1

-201,986,195
258,284,120
359,277,218

-201,814,450
228,422,582
329,329,807

1.4
1.35
1.3
1.25
1.2
1.15
1.1
1.05
1
2012

2009
2008
250,311,358.00 224,633,055.00
1.114
1.020
1
1
139,241,473
139,241,473
139,241,473
139,241,473
259,188,660
244,292,760
451,467,066
426,423,261
0.543774584
0.5560673457
0.543774584
0.5560673457
26,437,721
39,132,518
1,171,812,933
1,173,227,409
0
0
0
0
4382854
7007419
0
0
1,215,852,369
1,238,933,605
1,198,250,654
1,278,805,131
2.206
3.060
2.2
3.1
97.80
96.90
-42,826,552
81,561,635
-94,218,414
252,841,069
-4,188,436,786
7,903,322,432
5,545,616,776
-7,043,650,429
5,545,616,776
1,238,933,605
259,188,660
244,292,760
5,286,428,116
994,640,845
5,286,428,116
994,640,845
485,309,277
112,945,748
181,389,780
170,965,080
6,807,739
3,418,304
934,567,808
753,630,583
0
0
941,375,547
757,048,887
0.723
0.452
0.7
0.5
99.3
99.5
451,467,066
426,423,261

2007
###

2006
###

400,375,310

278,946,229
CURS BNR

2011

2012
4.4287

2010

3,160,269
448,306,797
-

2,132,116
424,291,145
-

Lichiditatea

Lichiditatea

011

Lichiditatea

2010

2009

2011
4.3197

2008

2010
4.2848

2009
4.2282

2008
3.9852

Denumirea indicatorilor
1. Venituri din prime, nete de reasigurare
a) venituri din prime brute subscrise (+)
b) prime cedate in reasigurare (-)
c) variatia rezervei de prime (+/-)
d) variatia rezervei de prime cedate in reasigurare (+/-)
TOTAL (rd.1-2-3+4)
2. Cota din venitul net (diferenta intre veniturile si cheltuielile din
plasamente) al plasamentelor transferata din contul netehnic (+)
3. alte venituri tehnice, nete de reasigurare (+)
4. Cheltuieli cu daunele, nete de reasigurare
a) daune platite ( rd 9-10):
sume brute
partea reasiguratorilor (-)
b) variatia rezervei de daune, nete de reasigurare (+/-)
TOTAL (rd. 8+11)
5. Variatia altor rezerve tehnice, nete de reasigurare, din care:
a) Variatia rezervei pentru riscuri neexpirate (+/-)
b) Variatia rezervei de catastrofa (+/-)
c) Variatia altor rezerve tehnice (+/-)
TOTAL (rd.13+14+15)
6. Variatia rezervei pentru participare la beneficii si risturnuri (+/-)
7. Cheltuieli de exploatare nete
a) cheltuieli de achizitie
b) variatia sumei cheltuielilor de achizitie reportate (+/-)
c) cheltuieli de administrare
d)comisioane primite de la reasiguratori si participari la beneficii (-)
TOTAL (rd 18+19+20-21)
8. Alte cheltuieli tehnice, nete de reasigurare
9. Variatia rezervei de egalizare (+/-)
10. Rezultat tehnic al asigurarii generale
Profit (rd. 5+6+7-12-16-17-22-23-24)
Pierdere (rd.12+16+17+22+23+24-5-6-7)
I. Indicatori primari (valoare absoluta)
1. CA
venituri din prime brute subscrise (+) - asigurari generale
Variatie -indici cu baza in lant AG
venituri din prime brute subscrise (+) - asigurari de viata
Variatie - indici cu baza in lant AV
CA
Variatie CA
2. Daune platite (Indemnizatii de asigurari)
Daune platite AG (cont tehnic AG rd.9)
Variatie daune platite AG

Indemnizatii AV (cont tehnic AV rd. 17)


Variatia indemnizatii AV
Indemnizatii totale
3. Rezultatul final
II. Indicatori structurali
Rate de structura financiara
1. Rata capitalului social
Capital social
TOTAL PASIV
2. Rata capitalului propriu
Capital propriu
3. Rata rezervelor tehnice
Rezerve tehnice
4. Rata de acoperire a rezervelor tehnice
Val. bilant plasam.
Lichiditati
Rate de gestiune
1. Rata daunei AG
1. Rata daunei AV
2. Rata cheltuielilor cu plata daunelor AG
2. Rata cheltuielilor cu plata daunelor AV
3. Rata cheltuielilor externe AG
3. Rata cheltuielilor externe AV
4. Rata combinata AG
4. Rata combinata AV
5. Rata reasigurarii (cedarii) AG
5. Rata reasigurarii (cedarii) AV
Rate de rezultat (rentabilitatii)
1. Rata rentabilitatii tehnice asigurari generale
1. Rata rentabilitatii tehnice asigurari de viata
Total venituri din plasamente (cont netehnic rd.13)
Total cheltuieli cu plasamentele (cont netehnic rd.16)
Diferenta Rf
a) venituri din prime brute subscrise (+) asigurari generale
a) venituri din prime brute subscrise (+) asigurari de viata
Total venituri din prime brute subscrise
2. Rata rentabilitatii financiare
3. Rata rentabilitatii globale
Rezultatul exercitiului
rg

1. Rata rentabilitatii tehnice asigurari de viata


10
8
6
1. Rata rentabilitatii tehnice
asigurari de viata

4
2
0
-2

2012

2011

2010

2009

2008

8
6
1. Rata rentabilitatii tehnice
asigurari de viata

4
2
0
-2

2012

2011

2010

2009

2008

-4
-6

2. Rata rentabilitatii financiare


4
3.8
3.6
3.4
3.2
3
2.8
2.6
2.4
2.2
2

2. Rata rentabilitatii
financiare

2012

2011

2010

2009

2008

Contul tehnic al asigurarilor generale


Sold la

Nr.Rd.

12/31/2012
X

12/31/2011
X

12/31/2010
X

1
2
3
4
5

806,647,923
157,066,205
-8,408,498
-6,658,744
651,331,472

812,102,329
152,605,142
-71,453,740
-6,384,100
724,566,827

938,804,183
136,033,672
-132,418,415
-228,379,909
706,809,017

6
7

0
104,848,152

0
49,281,983

0
135,132,643

X
8
9
10
11
12

X
504,814,686
555,584,558
50,769,872
27,780,687
532,595,373

13
14
15
16
17
X

0
0
0
0
0
X

190,430,764
3,381,063
105,123,364
46,836,036
252,099,155
21,551,793
0
X

0
78,134,878
2012

0
0
0
0
0

193,317,522
-1,401,431
100,524,411
40,868,002
251,572,500
50,146,629
0
X

493,636,645
765,345,046
271,708,401
69,426,285
563,062,930
X

0
0
0
0
0

18
19
20
21
22
23
24
25
26

X
507,410,369
576,079,981
68,669,612
-2,852,749
504,557,620

191,995,133
13,200,950
125,105,855
84,586,454
245,715,484
87,756,855
X

0
4,359,758
2011

0
54,593,609
2010

806,647,923
-0.672
93,532,576
8.363
900,180,499
0.196

812,102,329
-13.496
86,314,034
5.784
898,416,363
-11.954

938,804,183
-21.652
81,594,905
-6.889
1,020,399,088
-20.646

555,584,558
-3.558

576,079,981
-24.729

765,345,044
-18.699

13
16

50,603,874
14.340
606,188,432
-42,742,255

44,257,486
-4.629
620,337,467
24,513,434

46,405,604
3.604
811,750,648
-18,901,946

4.755
94,393,890
1,984,944,970
26.251
521,076,766
61.371
1,218,175,230
112.349
1,350,415,021
18,194,672

4.804
94,393,890
1,964,919,289
27.728
544,833,869
57.279
1,125,486,869
119.649
1,333,340,017
13,292,943

4.485
94,393,890
2,104,579,498
27.021
568,679,708
59.397
1,250,055,984
108.817
1,347,321,286
12,949,495

81.770
59.976
7.699
2.686
38.624
46.646
128.094
109.308
19.471
4.716

69.636
57.894
2.974
38.923
34.793
52.333
107.403
149.151
18.791
4.861

79.663
55.482
12.416
39.569
34.764
42.224
126.843
137.276
14.490
5.749

-9.686
3.220
40,617,095
11,747,048
28,870,047
806,647,923
93,532,576
900,180,499
3.207
-3.259
42,742,255
4.748

-0.537
2.217
39,343,342
5,408,036
33,935,306
812,102,329
86,314,034
898,416,363
3.777
5.458
-24,513,434
-2.729

-5.815
8.987
35,123,289
4,802,481
30,320,808
938,804,183
81,594,905
1,020,399,088
2.971
6.143
-18,901,946
-1.852

i de viata

ntabilitatii tehnice
de viata

1. Rata rentabilitatii tehnice asigurari gener


4
2
0
-2
-4
-6

2012

2011

2010

2009

2008

1. Rata rentabilitatii teh


asigurari generale

ntabilitatii tehnice
de viata

2
0
-2
-4
-6
-8
-10
-12

2. Rata rentabilitatii
financiare

2012

2011

2010

2009

2008

1. Rata rentabilitatii teh


asigurari generale

rarilor generale

d la

12/31/2009

12/31/2008

1,198,250,655
612,060,767
-42,826,552
-32,994,831
596,021,609

1,278,805,131
670,484,976
81,561,635
43,821,855
570,580,375

0
231,259,676

0
271,805,229

X
444,868,990
941,375,546
496,506,556
25,631,752
470,500,742

379,985,655
757,048,887
377,063,232
4,489,690
384,475,345
X

0
0
0
0
0
X

0
0
0
0
0
X

227,723,414
1,547,978
108,128,223
164,663,158
172,736,457
184,562,603
0
X

235,784,269
-10,528,709
97,669,567
153,625,596
169,299,531
269,554,953
0
X

0
518,517
2009

19,055,775
0

CA

2008

1,198,250,655
-6.299
87,631,607
-16.998
1,285,882,262
-7.115

1,278,805,131
105,577,722
1,384,382,853
-

941,375,547
24.348

757,048,887
-

1400000000
1300000000
1200000000
1100000000
1000000000
900000000
800000000
700000000
600000000
500000000
1/1/2008

1/1/2009

1/1/2010

1/1/2

800000000
700000000
600000000

44,791,401
18.638
986,166,948
29,650,798

37,754,709
-

500000000
1/1/2008

1/1/2009

1/1/2010

1/1/2

22,979,259

1. Rata capitalului
2.624
66,638,505
2,539,808,432
19.137
486,053,190
51.340
1,303,932,067
95.240
1,220,690,897
21,173,030

2.634
66,638,505
2,529,937,501
17.817
450,769,375
50.465
1,276,731,698
61.008
755,966,366
22,943,986

78.940
58.446
30.966
14.548
28.982
41.307
138.888
114.301
51.080
6.288

67.383
38.490
47.242
16.779
29.671
38.659
144.297
93.928
52.431
3.693

-0.043
-1.231
33,565,406
3,560,805
30,004,601
1,198,250,655
87,631,607
1,285,882,262
2.333
1.060
29,650,798
2.306

1.490
-4.667
41,614,262
9,126,646
32,487,616
1,278,805,131
105,577,722
1,384,382,853
2.347
-0.830
22,979,259
1.660

5
4.5
4
3.5
3
2.5
2
1.5
1
2012

2011

2010

2009

2008

2. Rata capitalului pr
30
28
26
24
22
20
18
16
14
2012

2011

2010

2009

2008

90
80
70
60
50
40
30

ce asigurari generale

20
2012
55

2008

1. Rata rentabilitatii tehnice


asigurari generale

50
45

2011

2010

2009

2008

55
2008

1. Rata rentabilitatii tehnice


asigurari generale

50
45
40
35
30
25
20
2012

2011

2010

2009

2008

CA

CA

1/1/2010

1/1/2011

1/1/2012

1/1/2010

1/1/2011

1/1/2012

capitalului social

009

1. Rata capitalului social

2008

pitalului propriu

10

2. Rata capitalului propriu

2008

1. Rata daunei AG
1. Rata daunei AV

2009

2008

3. Rata cheltuielilor externe


AG
3. Rata cheltuielilor externe
AV

2009

2008

Denumirea indicatorilor
1. Venituri din prime, nete de reasigurare
a) venituri din prime brute subscrise (+)
b) prime cedate in reasigurare (-)
c) variatia rezervei de prime, neta de reasigurare (+/-)
TOTAL (rd.1-2-3)
2. Venituri din plasamente
a) Venituri din participari la societatile in care exista interese de participare, din
care:
venituri din plasamente la societatile afiliate
b) Venituri din alte plasamente cu prezentare distincta a veniturilor din
plasamente la societatile afiliate, din care:
venituri provenind din terenuri si constructii
venituri provenind din alte plasamente
c) Venituri din ajustari pentru depreciere/ pierdere de valoare a plasamentelor
d) Venituri provenind din realizarea plasamentelor
TOTAL (rd. 5+6+7+10+11)
3. Plusvalori nerealizate din plasamente
4. Alte venituri tehnice, nete de reasigurare
5. Cheltuieli cu daunele, nete de reasigurare
TOTAL (rd.16+19)
a)sume platite ( rd.17-18):
sume brute
partea reasiguratorilor (-)
b) variatia rezervei de daune (+/-) (rd.20-21)
suma bruta
partea reasiguratorilor (-)
6. Variatia rezervelor tehnice privind asigurarile de viata
TOTAL (rd.23+26+29)
a) variatia rezervei matematice (rd 24-25)
suma bruta
partea reasiguratorilor (-)
b) variatia rezervei pentru participare la beneficii si risturnuri (rd27-28)
suma bruta
partea reasiguratorilor (-)
c) variatia altor rezerve tehnice (rd.30-31)
suma bruta
partea reasiguratorilor (-)
7. Variatia rezervei matematice aferente asigurarilor de viata pentru
care expunerea la riscul de investitii este transferata contractantului
cedata in reasigurare (+/-)
TOTAL (rd. 33-34)
suma bruta
partea reasiguratorilor (-)

8. Cheltuieli de exploatare nete:


a) cheltuieli de achizitii
b) variatia sumei cheltuielilor de achizitie reportate
c) cheltuieli de administrare
d) comisioane primite de la reasiguratori si participari la beneficii (-)
TOTAL (rd .35+36+37-38)
9. Cheltuieli cu plasamente:
a) cheltuieli de gestionare a plasamentelor, inclusiv cheltuielile cu dobanzile
b) cheltuieli privind constituirea ajustarilor de valoare pentru plasamente
c) pierderi provenind din realizarea plasamentelor
TOTAL (rd.40+41+42)
10. Minusvalori nerealizate din plasamente
11. Alte cheltuieli tehnice, nete de reasigurare
12. Cota din venitul net al plasamentelor transferata in contul netehnic
13. Rezultatul tehnic al asigurarilor de viata
Profit (rd. 04+12+13+14-15-22-32-39-43-44-45-46)
Pierdere (rd. 15+22+32+39+43+44+45+46-4-12-13-14)

Rate de gestiune
1. Rata daunei
2. Rata cheltuielilor cu plata daunelor
3. Rata cheltuielilor externe
4. Rata combinata
5. Rata reasigurarii (cedarii)
Rate de rezultat (rentabilitatii)
1. Rata rentabilitatii tehnice asigurari de viata

Contul tehnic al asigurarilor de viata


Sold la

Nr.Rd.

12/31/2012
X
1
2
3
4

12/31/2011
X

93,532,576
4,410,866
4,736,038
84,385,672
X

12/31/2010
X

86,314,034
4,195,650
4,544,678
77,573,706
X

12/31/2009
X

81,594,905
4,691,060
-15,224
76,919,069
X

87,631,607
5,510,217
-533,644
82,655,034
X

5
6

0
0

0
0

0
0

0
0

7
8
9

95,280,539
0
0

71,162,283
0
0

73,918,457
0
0

78,067,863
0
0

10
11
12
13
14

0
9,950,783
105,231,322
0
9,415,894

0
7,383,677
78,545,960
0
38,040,622

0
6,705,929
80,624,386
0
38,437,235

0
5,741,354
83,809,217
0
15,726,025

X
15
16
17
18
19
20
21

X
50,611,463
50,140,415
50,603,874
463,459
471,048
798,001
326,953

X
22
23
24
25
26
27
28
29
30
31

44,910,827
43,738,005
44,257,486
519,481
1,172,822
1,549,851
377,029
X

8,047,688
7,628,486
7,628,486
0
419,202
419,202
0
0
0
0

X
32
33
34

X
42,676,551
43,695,649
46,405,604
2,709,955
-1,019,098
-1,406,345
-387,247
X
6,380,208
5,804,156
5,804,156
0
576,052
576,052
0
0
0
0

X
26,130,126
26,130,126
0

X
4,703,771
4,123,596
4,123,596
0
580,175
580,175
0
0
0
0

X
-1,968,996
-1,968,996
0

48,308,541
44,121,553
44,791,401
669,848
4,186,988
4,993,504
806,516
6,097,517
5,460,188
5,460,188
0
637,329
637,329
0
0
0
0

X
24,035,106
24,035,106
0

27,615,060
27,615,060
0

X
35
36
37
38
39

X
28,120,993
-222,992
13,072,548
1,608,255
39,362,294

X
40
41
42
43
44
45
46

28,566,637
925,063
11,919,730
814,993
40,596,437
X

2,497,103
0
67,105,632
69,602,735
0
2,266,734
0
X

47
48

X
22,566,343
-119,840
11,686,882
1,654,901
32,478,484

X
629,910
0
71,503,876
72,133,786
0
30,194,344
0

28,482,681
342,631
7,335,295
2,018,166
34,142,441
X

1,304,914
0
53,012,584
54,317,498
0
30,436,250
0
X

1,564,322
0
53,515,957
55,080,279
0
12,024,798
0
X

3,011,848
0

1,913,682
0

7,333,030
0

0
1,078,360

59.976
2.686
46.646
109.308
4.716

57.894
38.923
52.333
149.151
4.861

55.482
39.569
42.224
137.276
5.749

58.446
14.548
41.307
114.301
6.288

3.220

2.217

8.987

-1.231

viata
12/31/2008
X
105,577,722
3,899,292
72,637
101,605,793
X
0
0
59,452,025
0
2,558,109
0
2,558,109
62,010,134
0
16,239,810
X
39,107,858
37,643,429
37,754,709
111,280
1,464,429
1,396,756
-67,673
X
6,015,646
5,887,671
5,887,971
0
127,975
127,975
0
0
0
0

X
-6,665,882
-6,665,882
0

X
33,796,585
-492,824
7,282,609
1,306,585
39,279,785
X
359,519
0
89,638,104
89,997,623
0
17,048,156
0
X
0
4,927,449

38.490
16.779
38.659
93.928
3.693
-4.667

Denumirea indicatorilor
1. Rezultatul tehnic al asigurarilor generale
Profit
Pierde
2. Rezultatul tehnic al asigurarii de viata
Profit
Pierdere
3. Venituri din plasamente

Nr.Rd.
1
2
X
3
4
X

a) Venituri din paricipari la societatile in care exista interese


de participare

din care venituri din plasamente la societatile afiliate


b) Venituri din alte plasamente
din care venituri din plasamente la societatile afiliate
venituri provenind din terenuri si constructii
venituri provenind din alte plasamente

6
7
8
9
10

c) Venituri din ajustari pentru depreciere/pierdere de valoare


a plasamentelor
d)Venituri provenind din realizarea plasamentelor
TOTAL (rd. 5+7+11+12)
4. Plusvalori nerealizate din plasamente

11
12
13
14

5. Cota din venitul net al plasamentelor transferata din


contul tehnic al asigurarii de viata
6. Cheltuieli cu plasamentele
TOTAL (rd.17+18+19)

15
X
16

a)cheltuieli de gestionare a plasamentelor, inclusiv


cheltuielile cu dobanzile

17

b)cheltuieli privind constituirea ajustarilor de valoare pentru


plasamente
c)pierderi provenind din realizarea plasamentelor
7. Minusvalori nerealizate din plasamente

18
19
20

8. Cota din venitul net al plasamentelor transferata in contul


tehnic al asigurarilor generale
9. Alte venituri netehnice

21
22

10. Alte cheltuieli netehnice, inclusiv provizioanele si


ajustarile de valoare

23

11. Venituri din activitatea de administrare de fonduri


depensii facultative

24

12. Cheltuieli din activitatea de administrare de fonduri de


pensii facultative

25

13. Profit din activitatea de administrare de fonduri de pensii


facultative

26

14. Pierdere din activitatea de administrare de fonduri de


pensii facultative
15. Rezultatul curent
Profit
Pierdere

27
X
28
29

16. Venituri extraordinare


17. Cheltuieli extraordinare
18. Rezultatul extraordinar
Profit (rd. 30-31)
Pierdere (rd. 31-30)
19. Venituri totale
20. Cheltuieli totale
21. Rezultatul brut
Profit (rd. 34-35) (rd.28-29+32-33)
Pierdere (rd. 35-34) (rd.29-28+33-32)
22. Impozit pe profit
23. Alte impozite
24. Rezultatul net al exercitiului
Profit (rd. 36-38-39)
Pierdere (rd. 37+38+39)

30
31
X
32
33
34
35
X
36
37
38
39
X
40
41

Contul netehnic
Sold la

12/31/2012
X

12/31/2011
X

0
78,134,878
X

X
0
4,359,758

12/31/2009
X

0
54,593,609

1,913,682
0X
X

3,011,848
0
X

12/31/2010

0
518,517
X

7,333,030

0
1,078,360
X

0
34,709,221
0
0
0

0
34,996,804
0
0
0

0
33,564,317
0
0
0

0
32,360,845
0
0
0

0
5,907,874
40,617,095
0

0
4,346,538
39,343,342
0

0
1,558,972
35,123,289
0

0
1,204,561
33,565,406
0

0
X

0
X

0
X

0
X

11,747,048

5,408,036

4,802,481

3,560,805

9,688,144

4,781,968

4,750,923

3,084,266

0
2,058,904
0

0
626,068
0

0
51,558
0

3,853
472,686
0

0
17,273,343

0
10,786,555

0
46,684,242

0
48,440,221

13,762,615

10,945,538

48,137,941

37,028,627

X
0
42,742,255

X
31,330,247
0

X
0
18,393,470

39,819,318
0

0
0
X

0
0
X

0
0
1,121,269,637
1,164,011,892
X

X
0
0
1,088,240,817
1,056,910,570

X
0
42,742,255
0
0

0
0
1,525,373,297
1,543,766,767

31,330,247
0
6,816,813
0

0
0
1,757,815,051
1,717,995,733
X

0
18,393,470
508,476
0
X

24,513,434
0

0
0
X

X
0
42,742,255

0
0

39,819,318
0
10,168,520
0
X

0
18,901,946

29,650,798
0

c
12/31/2008
X
19,055,775
0
X
0
4,927,449
X
0
0
38,652,466
0
15,680
38,636,786
0
2,961,796
41,614,262
0
0
X
9,126,646
4,584,226
0
4,542,420
0
0
36,536,265
47,922,310
0
0
0
0
X
35,229,897
0

0
0
X
0
0
2,576,184,114
2,540,954,217
X
35,229,897
0
12,250,638
0
X
22,979,259
0

Denumirea indicatorilor
Materiale consumabile
Din care:
asigurari generale
asigurari de viata
Materiale de natura obiectelor de inventar
Din care:
asigurari generale
asigurari de viata
TOTAL

Denumirea indicatorilor
Rezerva de prime
Partea cedata in reasigurare
Rezerva de prime, neta de reasigurare
Rezerva de daune
Partea cedata in reasigurare
Rezerva de daune, neta de reasigurare
Rezerva matematica
Partea cedata in reasigurare
Rezerva matematica, neta de reasiguarre
Rezerva de participare la beneficii
Partea cedata in reasigurare
Rezerva de participare la beneficii, neta de reasigurare
Rezerva de catastrofa
Partea cedata in reasigurare
Rezerva de catastrofa, neta de reasigurare
TOTAL
Din care:
Asigurari generale
Rezerva de prime
Partea cedata in reasigurare
Rezerva de prime, neta de reasigurare
Rezerva de daune
Partea cedata in reasigurare
Rezerva de daune, neta de reasigurare
Rezerva de catastrofa
Partea cedata in reasigurare
Rezerva de catastrofa, neta de reasigurare
TOTAL
Asigurari de viata

12/31/2012
764,216
700,071
64,145
14,357
14,357
0
778,573

12/31/2012
428,109,251
-62,813,602
365,295,649
506,329,164
-152,982,096
353,347,068
44,242,333
0
44,242,333
2,755,512
0
2,755,512
18,157,880
0
18,157,880
783,798,442

395,544,629
-61,263,616
334,281,013
496,550,233
-151,836,995
344,713,238
18,157,880
0
18,157,880
697,152,131

Rezerva de prime
Partea cedata in reasigurare
Rezerva de prime, neta de reasigurare
Rezerva de daune
Partea cedata in reasigurare
Rezerva de daune, neta de reasigurare
Rezerva matematica
Partea cedata in reasigurare
Rezerva matematica, neta de reasiguarre
Rezerva de participare la beneficii
Partea cedata in reasigurare
Rezerva de participare la beneficii, neta de reasigurare
TOTAL

32,564,622
-1,549,986
31,014,636
9,778,931
-1,145,101
8,633,830
44,242,333
0
44,242,333
2,755,512
0
2,755,512
86,646,311

Creant
Denumirea indicatorilor
Creante aferente activitatii de asigurari
Din care:
asigurari generale
asigurari de viata
Provizion pentru deprecierea creantelor
Din care:
asigurari generale
asigurari de viata
Creante aferente activitatii de asigurari, nete de provizion

Denumirea indicatorilor
Numerar in caserie: lei
Numerar in caserie: devize
TOTAL CASERIE
Conturi la banci: lei
Conturi la banci: devize
TOTAL BANCI
TOTAL

12/31/2012
265,393,728
243,722,691
21,671,037
-24,857,298
-24,785,695
-71,603
240,536,430

12/31/2012
128,223
75,864
204,087
14,642,357
3,348,228
17,990,585
18,194,672

Stocuri
Sold la

12/31/2011

12/31/2010

12/31/2009

12/31/2008

1,464,610

1,935,832

2,596,039

2,324,568

1,313,732
150,878
6,300

1,558,165
377,667
7,464

2,215,899
379,140
5,057

2,067,517
257,051
34,215

6,300
0
1,470,910

7,464
0
1,943,296

5,057
0
2,601,096

34,215
0
2,358,783

Rezerve tehnice
Sold la

12/31/2011

12/31/2010

12/31/2009

12/31/2008

431,642,666
-69,333,300
362,309,366
444,254,635
-119,166,513
325,088,122
36,705,223
0
36,705,223
2,336,310
0
2,336,310
18,157,880
0
18,157,880
744,596,901

498,424,387
-75,590,059
422,834,328
507,647,898
-180,880,189
326,767,709
30,848,593
0
30,848,593
1,760,259
0
1,760,259
18,157,880
0
18,157,880
800,368,769

631,114,596
-304,226,538
326,888,058
460,270,315
-201,986,195
258,284,120
26,695,516
0
26,695,516
1,180,084
0
1,180,084
18,157,880
0
18,157,880
631,205,658

674,427,412
-337,173,989
337,253,423
430,237,032
-201,814,450
228,422,582
21,401,741
0
21,401,741
542,755
0
542,755
18,157,880
0
18,157,880
605,778,381

403,953,127
-67,922,359
336,030,768
435,273,687
-118,348,193
316,925,494
18,157,880
0
18,157,880
671,114,142

475,406,867
-74,306,459
401,100,408
500,216,905
-180,438,899
319,778,006
18,157,880
0
18,157,880
739,036,294

607,825,282
-302,686,368
305,138,914
451,467,066
-201,155,708
250,311,358
18,157,880
0
18,157,880
573,608,152

650,651,834
-335,681,198
314,970,636
426,423,261
-201,790,206
224,633,055
18,157,880
0
18,157,880
557,761,571

27,689,539
-1,410,941
26,278,598
8,980,948
-818,319
8,162,629
36,705,223
0
36,705,223
2,336,310
0
2,336,310
73,482,760

23,017,520
-1,283,600
21,733,920
7,430,993
-441,290
6,989,703
30,848,593
0
30,848,593
1,760,259
0
1,760,259
61,332,475

23,289,314
-1,540,170
21,749,144
8,803,249
-830,487
7,972,762
26,695,516
0
26,695,516
1,180,084
0
1,180,084
57,597,506

23,775,578
-1,492,791
22,282,787
3,813,771
-24,244
3,789,527
21,401,741
0
21,401,741
542,755
0
542,755
48,016,810

Creante provenite din operatiuni de asigurare directa


Sold la

12/31/2011

12/31/2010

12/31/2009

12/31/2008

298,315,413

348,144,173

459,138,512

499,815,833

274,616,670
23,698,743
-31,225,222

325,478,951
22,665,222
-26,392,439

437,226,288
21,912,224
-19,056,174

479,378,255
20,537,578
-15,579,505

-31,225,222
0
267,090,191

-26,392,439
0
321,751,734

-19,056,174
0
440,082,338

-15,579,505
0
484,236,328

Casa si conturi la banci


Sold la

12/31/2011

12/31/2010

12/31/2009

12/31/2008

164,805
81,748
246,553
9,855,508
3,190,882
13,046,390
13,292,943

3,672
917
4,589
231,592
1,815,317
2,046,909
2,051,498

3,273
837
4,110
804,674
5,197,019
6,001,693
6,005,803

269,335
75,419
344,754
7,695,015
14,904,217
22,599,232
22,943,986

Denumirea indicatorilor
Cheltuieli administrative, asigurari generale
Cheltuieli administrative, asigurari viata
TOTAL

12/31/2012
100,524,411.00
13,072,548.00
113,596,959.00

Alt
Denumirea indicatorilor
Asigurari generale
Alte venituri tehnice, din care:
venituri nete din recuperari si regres
venituri din diferente de curs valutar
alte venituri tehnice
Total alte venituri tehnice
Cheltuieli cu diferente de curs valutar
Total alte venituri tehnice
TOTAL
Asigurari de viata
Alte venituri tehnice, din care:
venituri din taxe de administrare
venituri din diferente de curs valutar
alte venituri tehnice
Total alte venituri tehnice
Cheltuieli cu diferente de curs valutar
Total alte venituri tehnice
TOTAL

12/31/2012
55,551,153
49,289,598
7,401
104,848,152
-50,146,629
-50,146,629
54,701,523

7,015,079
2,277,503
123,312
9,415,894
-2,266,734
-2,266,734
7,149,160

Cheltuieli de administrare
Sold la

12/31/2011
105,123,364.00
11,919,730.00
117,043,094.00

12/31/2010

12/31/2009

12/31/2008

125,105,855.00 108,128,223.00
97,669,567.00
11,686,882.00
7,335,295.00
7,282,609.00
136,792,737.00 115,463,518.00 104,952,176.00

Alte venituri si cheltuieli tehnice


Sold la

12/31/2011
27,661,266
21,616,099
4,618
49,281,983
-21,551,793
-21,551,793
27,730,190

7,379,670
30,432,031
228,921
38,040,622
-30,194,344
-30,194,344
7,846,278

12/31/2010

12/31/2009

12/31/2008

ALLIANZ-TIRIAC ASIGURARI SA

An
2012
2011
2010
2009
2008

Total prime brute


subscrise
806,647,922
812,102,330
938,804,184
1,198,250,654
1,278,805,131

I
5,767,083
6,403,320
6,311,270
7,410,062
7,800,178

Prime brute subscrise pe clase


Clase de asi

ALLIANZ-TIRIAC ASIGURARI SA

An
2012
2011
2010
2009
2008

An

C1
C2
Pondere n-2

I
49,340,137
46,485,966
37,901,405
39,553,214
39,818,076

2012
2011
28,590,699 25,607,638
778,057,223 786,494,692
-780,695
937,837

B1
B2
B6

ALLIANZ-TIRIAC ASIGURARI SA

Total prime brute


subscrise
93,532,576
86,314,034
81,594,905
87,631,607
105,577,722

2012
2011
2010
2009
2008
2012
8,145,479
547,439,079
1.177940208

Total prime brute


subscrise
555,584,558
576,079,981
765,345,044
941,375,547
757,048,887

I
430,740
433,411
658,155
1,206,226
955,288

2011
2010
10,647,002
9,015,307
565,432,979 756,329,737
0.719748566 0.438558336

Prime brute subscrise pe clase de asigurari gene


Clase d
II
4,144,039
3,007,480
2,399,224
9,788,820
10,397,193

III
401,392,896
430,961,176
505,539,288
717,812,565
786,950,298

IV
0
0
0
0
0

V
189,600
158,598
-79,243
218,984
2,217,460

VI
1,059
637
1,211
52,836
49,672

VII
5,025,891
5,744,878
4,885,881
9,037,500
9,993,906

ute subscrise pe clase de asigurari de viata (lei)


Clase de asigurati
II
0
0
0
0
0

III
44,192,439
39,828,068
43,693,500
48,078,393
65,759,646

IV

B1
0
0
0
0
0

B2
0
0
0
0
0

0
0
0
0
0

2010
2009
2008
23,182,584
26,437,721
39,132,518
915,621,600 1,171,812,933 1,173,227,409
-3,965,984
4,382,854
7,007,419

Indemnizatii brute platit pe clase de asigurari gen


Clase d
II
2,047,375
1,199,931
448,632
5,509,990
3,242,032

III
358,152,681
375,249,023
537,951,934
654,767,055
597,007,985

2009
6,807,739
934,567,808

2008
3,418,304
753,630,583

IV
0
0
0
0
0

V
87,840
110,204
1,502,366
52,027,486
111,297

VI
0
0
0
0
0

VII
673,620
1,245,281
854,641
511,554
1,928,015

e pe clase de asigurari generale (lei)


Clase de asigurati
VIII
IX
X
XI
159,133,597 7,431,746 174,594,972 379,697
162,422,607 7,832,624 153,610,204 274,322
163,045,172 4,932,745 222,415,536 510,441
178,852,236 10,851,100 230,465,259 1,363,718
173,571,310 41,361,583 197,525,734 6,042,027

XII
0
0
10,839
160,382
356,334

XIII
28,211,002
25,333,316
22,661,304
24,913,621
32,734,157

XIV
-780,695
937,837
-3,965,984
4,382,854
7,007,419

tit pe clase de asigurari generale (lei)


Clase de asigurati
VIII
IX
X
41,282,835 3,199,245 135,701,575
27,215,774 3,769,762 150,862,018
41,321,100 6,257,095 159,711,075
41,937,389 17,597,497 154,751,451
24,443,538 11,257,144 139,437,651

XI
0
0
0
0
58,638

XII
0
0
0
32,202
39,565

XIII
XIV
8,145,479
1,806,609
10,647,002
868,679
9,015,307
3,971,276
6,775,537
6,197,917
3,320,101 -25,197,202

XV
XVI
5,327,280 4,574,603
1,387,163 4,289,932
1,310,919
0
588,195
0
2,729,124
0

XV
0
0
0
0
444,835

XVI
195,325
410,429
0
0
0

XVII
0
0
0
0
0

XVIII
11,255,152
9,738,236
8,825,581
2,352,522
68,736

0
0
0
0
0

XVIII
3,861,234
4,068,467
3,653,463
1,038,984
0

XVII

A. Profilul comercial
1. Pozitia pe piata, marca si distributia
1.1 Punctaj aferent cotei de piata
1.1 Cota de piata
1.2 Punctaj aferent ponderii cheltuielilor cu subscrierea
1.2 Cheltuielile cu subscrierea
Chs
a) cheltuieli de achizitie AG
b) variatia sumei cheltuielilor de achizitie reportate (+/-) AG
d)comisioane primite de la reasiguratori si participari la beneficii (-)AG
a) cheltuieli de achizitii AV
b) variatia sumei cheltuielilor de achizitie reportate AV
d) comisioane primite de la reasiguratori si participari la beneficii (-)AV
Venituri prime AG
Venituri prime AV
1.2 Cheltuieli cu subscrierea/prime nete subscrise
Pozitia pe piata, marca si distributia
2. Diversificarea afacerilor si diversificarea geografica
Punctaj aferent diversificarii afacerilor (15 linii)
Punctaj aferent diversificarii geografice (41 prezente in teritoriu)
Diversificarea afacerilor
Diversificarea geografica
Total profil comercial
B. Profilul financiar
3. Calitatea activelor
3.1 Active riscante/ total active investite
3.2 Sume primite de la reasiguratori/Capital
Sume primite de la reasiguratori/Capital
Punctaj aferent dependentei de reasigurare
partea reasiguratorilor (-) AG
d)comisioane primite de la reasiguratori si participari la beneficii (-) AG
partea reasiguratorilor (-) AV
d) comisioane primite de la reasiguratori si participari la beneficii (-) AV
TOTAL
Punctaj aferent ponderii activelor riscante in total active investite
Pondere active riscante in total active investite
1. Actiuni, alte titluri cu venit variabil si unitati la fondurile comune de plasament
3. Parti in fonduri comune de investitii
4. Imprumuturi ipotecare
5. Alte imprumuturi
Active riscante
TOTAL PLASAMENTE (rd.10+16+24+25+26)
Plasamente aferente asigurarilor de viata pentru care expunerea la riscul de
investitii este trasferata contractantilor

Active investite
4. Adecvarea capitalului
Fond de siguranta
Capital social
Rcss
Punctaj aferent adecvarii capitalului
5. Profitabilitatea: rentabilitatea capitalului
Profit net/ cs
Profit (rd. 36-38-39)
Punctaj aferent profitabilitatii
6. Adecvarea rezervelor: rezerve pentru pierderi/total rezerve
Alte provizioane
TOTAL (rd.92+102+110)
Rezerva matematica aferenta asigurarilor de viata pentru care expunerea la riscul
de investitii este transferata contractantilor
Total rezerve
Adecvarea rezevelor
Punctaj aferent adecvarii rezervelor
7. Flexibilitatea financiara: acoperirea cheltuielilor financiare
Venituri finaciare
Cheltuieli finaciare
Acoperirea cheltuielilor financiare
Punctaj aferent flexibilitatii financiare
Total profil financiar
TOTAL

2012

2011

2010

2009

17.342
96.775
38.71
80
24.104
177,337,835
193,317,522
-1,401,431
40,868,002
28,120,993
-222,992
1,608,255
651,331,472
84,385,672
48
17.342
9.1675
83.35
100
41.675
50
26.51

17.342
96.775
38.71
80
21.898
175,652,498
190,430,764
3,381,063
46,836,036
28,566,637
925,063
814,993
724,566,827
77,573,706
48
17.342
9.1675
83.35
100
41.675
50
26.51

17.942
96.775
38.71
85
18.042
141,401,231
191,995,133
13,200,950
84,586,454
22,566,343
-119,840
1,654,901
706,809,017
76,919,069
51
17.942
9.1675
83.35
100
41.675
50
27.11

18.542
96.775
38.71
90
13.470
91,415,380
227,723,414
1,547,978
164,663,158
28,482,681
342,631
2,018,166
596,021,609
82,655,034
54
18.542
9.1675
83.35
100
41.675
50
27.71

20
40
60
17.984
100
50,769,872
40,868,002
463,459
1,608,255
521,076,766
100
0.437

20
40
60
21.504
100
68,669,612
46,836,036
519,481
814,993
543,345,533
100
0.319

20
40
60
67.937
100
271,708,401
84,586,454
2,709,955
1,654,901
530,875,816
100
0.882

20
40
60
123.690
100
496,506,556
164,663,158
669,848
2,018,166
536,712,670
100
1.313

4,940,759
3,644,777
0
0
0
0
0
0
4,940,759
3,644,777
1,350,415,021 1,333,340,017
218,581,090

192,390,537

10,176,499
13,844,228
0
0
0
0
0
0
10,176,499
13,844,228
1,347,321,286 1,220,690,897
193,216,966

166,513,675

1,131,833,931 1,140,949,480
15
15
15,500,450
15,118,950
94,393,890
94,393,890
100
100
100
100
0
10
0
25.969
0
24,513,434
0
100
12
12
21,855,353
17,367,997
999,594,140
933,096,714

1,154,104,320 1,054,177,222
15
15
14,996,800
14,798,700
94,393,890
66,638,505
100
100
100
100
0
10
0
44.495
0
29,650,798
0
100
12
15
14,502,832
12,856,609
1,056,839,017 1,137,418,391

218,581,090
192,390,155
1,218,175,230 1,125,486,869
1.794
1.543
80
80
9
10
40,617,095
39,343,342
11,747,048
5,408,036
245.8
627.5
90
100
56
67
82.51
93.51

193,216,967
166,513,676
1,250,055,984 1,303,932,067
1.160
0.986
80
100
10
10
35,123,289
33,565,406
4,802,481
3,560,805
631.4
842.6
100
100
57
70
84.11
97.71

2008
17.942
96.775
38.71
85
15.416
103,627,140
235,784,269
-10,528,709
153,625,596
33,796,585
-492,824
1,306,585
570,580,375
101,605,793
51
17.942
9.1675
83.35
100
41.675
50
27.11
20
40
60
110.517
100
377,063,232
153,625,596
111,280
1,306,585
481,468,951
100
0.579
3,611,010
0
0
0
3,611,010
755,966,366
131,952,597

624,013,769
15
13,948,200
66,638,505
100
100
10
34.483
22,979,259
100
15
9,546,967
1,144,766,820
131,964,878
1,276,731,698
0.748
100
10
41,614,262
9,126,646
356.0
100
70
97.11

CURS BNR

2012
4.4287

2011
4.3197

2010
4.2848

2009
4.2282

2008
3.9852