Allianz Pojistovna

Allianz's net profit fell 7.82% to CZK 746 mil in 2016

By Helgi Analytics - February 23, 2018

Allianz Pojistovna made a net profit of CZK 746 mil under revenues of CZK 15,507 mil in 2016, down 7.82% and down 0.046% res...

Allianz's Intangible Assets rose 67.3% to CZK 199 mil in 2016

By Helgi Analytics - February 23, 2018

Allianz Pojistovna's total assets reached CZK 32,198 mil at the end of 2016, up 5.3% when compared to the previous year. Invest...

Allianz's Combined Ratio rose 8.37% to 76.1% in 2016

By Helgi Analytics - February 23, 2018

Allianz Pojistovna generated total net revenues of CZK 15,507 mil in 2016, up 8.37% when compared to the previous year. Some CZK...

Profit Statement 2014 2015 2016
Gross Written Premiums CZK mil 12,247 12,031 13,003
Net Written Premiums CZK mil 10,855 10,822 11,757
Total Revenues CZK mil 15,953 15,514 15,507
Expenses For Claims & Benefits CZK mil 6,549 7,314 8,162
Total Cost CZK mil 14,673 14,534 14,642
Pre-Tax Profit CZK mil 1,280 981 865
Net Profit CZK mil 1,042 810 746
Dividends CZK mil 800 850 ...
Balance Sheet 2014 2015 2016
Total Assets CZK mil 30,855 30,577 32,198
Intangible Assets CZK mil 116 119 199
Investments CZK mil 18,761 18,874 21,254
Reinsurance Assets CZK mil 8,829 8,298 7,717
Shareholders' Equity CZK mil 4,693 4,615 4,500
Liabilities CZK mil 26,161 25,961 27,698
Underwritting Provisions CZK mil 25,505 24,137 26,576
Ratios 2014 2015 2016
ROE % 22.7 17.4 16.4
ROA % 3.47 2.64 2.38
Net Margin % 6.53 5.22 4.81
Investment Yield % 23.3 21.8 15.7
Combined Ratio % 68.5 70.2 76.1
Claims Ratio % 58.8 62.3 67.5
Acquisition Cost (As % Of Premiums) % 9.71 7.91 8.61
Equity (As % Of Assets) % 15.2 15.1 14.0
Growth Rates 2014 2015 2016
Gross Written Premiums Growth % 3.17 -1.76 8.08
Pre-Tax Profit Growth % 15.8 -23.4 -11.8
Net Profit Growth % 11.0 -22.3 -7.82
Investments Growth % 3.25 0.599 12.6
Reinsurance Assets Growth % 9.27 -6.01 -7.01
Total Asset Growth % 5.47 -0.901 5.30
Shareholders' Equity Growth % 4.63 -1.67 -2.50
Underwritting Provisions Growth % 5.88 -5.36 10.1

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summary Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
income statement                                  
Gross Written Premiums CZK mil                     10,651 11,044 11,568 11,871 12,247    
Total Revenues CZK mil                     12,274 12,157 13,851 11,510 15,953    
Total Cost CZK mil                     11,013 10,858 12,642 10,405 14,673    
Net Profit CZK mil                     1,083 1,070 972 939 1,042    
balance sheet                                  
Cash & Cash Equivalents CZK mil                     161 255 261 545 1,098    
Investments CZK mil                     18,541 18,476 18,110 18,171 18,761    
Reinsurance Assets CZK mil                     4,486 5,317 6,782 8,079 8,829    
Total Assets CZK mil                     25,592 26,591 27,654 29,256 30,855    
Shareholders' Equity CZK mil                     4,960 5,028 4,100 4,486 4,693    
Liabilities CZK mil                     20,631 21,564 23,554 24,770 26,161    
Underwritting Provisions CZK mil                     20,614 21,086 23,106 24,089 25,505    
ratios                                  
ROE % ...                   21.9 21.4 21.3 21.9 22.7    
ROA %                     4.34 4.10 3.58 3.30 3.47    
Net Margin %                     8.83 8.80 7.02 8.16 6.53    
Investment Yield %                     10.1 11.7 13.5 1.54 23.3    
Combined Ratio %                     65.8 57.7 63.1 72.4 68.5    
Claims Ratio %                     58.3 51.2 53.9 60.0 58.8    
Cost Ratio %                     19.0 24.1 25.3 30.3 28.2    
Acquisition Cost (As % Of Premiums) %                     7.49 6.45 9.21 12.4 9.71    
Administrative Cost (As % Of Assets) %                     3.68 5.78 5.98 6.06 6.21    
Equity (As % Of Assets) %                     19.4 18.9 14.8 15.3 15.2    
Life Insurance (As % Of Total Premium) %                     34.0 33.8 37.2 37.7 33.0    
Non-Life Insurance (As % Of Total Premium) %                     66.0 66.2 62.8 62.3 67.0    
income statement Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
income statement                                  
Gross Written Premiums CZK mil                     10,651 11,044 11,568 11,871 12,247    
Premiums Ceded To Reinsurers CZK mil                     1,612 1,835 941 1,334 1,392    
Net Written Premiums CZK mil                     9,039 9,209 10,627 10,537 10,855    
Financial Result CZK mil                     1,877 2,157 2,445 279 4,363    
Other Income CZK mil                     1,357 791 780 694 735    
Total Revenues CZK mil                     12,274 12,157 13,851 11,510 15,953    
Expenses For Claims & Benefits CZK mil                     6,623 6,524 7,885 6,117 6,549    
Of Which Reinsurers' Share CZK mil                     -414 -864 -1,649 1,002 655    
Acquisition Cost CZK mil                     798 712 1,066 1,473 1,190    
Administrative Cost CZK mil                     919 1,509 1,622 1,723 1,868    
Other Cost CZK mil                     2,673 2,112 2,068 1,092 5,067    
Total Cost CZK mil                     11,013 10,858 12,642 10,405 14,673    
Other And Extra Cost CZK mil                     0 0.296 0 0 0    
Pre-Tax Profit CZK mil                     1,260 1,299 1,209 1,106 1,280    
Tax CZK mil                     177 229 237 167 238    
Minorities CZK mil                     0 0 0 0 0    
Net Profit CZK mil                     1,083 1,070 972 939 1,042    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... 1,902 501 800 800   ...
growth rates                                  
Gross Written Premiums Growth % ...                   3.97 3.69 4.75 2.62 3.17    
Net Written Premiums Growth % ...                   3.53 1.88 15.4 -0.844 3.02    
Total Revenues Growth % ...                   -4.77 -0.953 13.9 -16.9 38.6    
Gross Claims Growth % ...                   -6.50 -8.84 10.2 14.2 1.19    
Acquisition Cost Growth % ...                   46.5 -10.7 49.6 38.2 -19.2    
Administrative Cost Growth % ...                   -38.5 64.1 7.54 6.23 8.39    
Operating Cost Growth % ...                   -6.53 -1.41 16.4 -17.7 41.0    
Pre-Tax Profit Growth % ...                   -23.6 3.05 -6.88 -8.59 15.8    
Net Profit Growth % ...                   -17.3 -1.23 -9.16 -3.43 11.0    
market share                                  
Market Share in Total Insurance Premium %                     6.82 7.13 7.54 7.59 ... ... ...
Market Share in Life Insurance Premium %                     5.04 5.19 5.98 6.26 ... ... ...
Market Share in Non-Life Insurance Premium %                     8.33 8.81 8.92 8.71 ... ... ...
Market Share in Net Profit %                     5.08 11.0 8.05 8.35 ... ... ...
balance sheet Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
balance sheet                                  
Intangible Assets CZK mil                     120 119 114 95.7 116    
Investments CZK mil                     18,541 18,476 18,110 18,171 18,761    
Reinsurance Assets CZK mil                     4,486 5,317 6,782 8,079 8,829    
Receivables CZK mil                     1,726 1,660 1,327 1,412 1,222    
Cash & Cash Equivalents CZK mil                     161 255 261 545 1,098    
Other Assets CZK mil                     558 764 1,060 953 829    
Total Assets CZK mil                     25,592 26,591 27,654 29,256 30,855    
Equity CZK mil                     4,960 5,028 4,100 4,486 4,693    
Of Which Minority Interest CZK mil                     0 0 0 0 0    
Subordinated Liabilities CZK mil                     0 0 0 0 0    
Underwritting Provisions CZK mil                     20,614 21,086 23,106 24,089 25,505    
Other Provisions CZK mil                     197 249 259 200 259    
Other Liabilities CZK mil                     6,115 6,992 8,112 481 397    
Liabilities CZK mil                     20,631 21,564 23,554 24,770 26,161    
investment portfolio                                  
Real Estate CZK mil                     0 0 0 0 0    
Cash And Deposits CZK mil                     17,986 17,899 17,396 16,340 16,914    
Loans CZK mil                     0 0 0 0 0    
Other CZK mil                     555 578 714 1,831 1,848    
Total Portfolio CZK mil                     18,541 18,476 18,110 18,171 18,761    
growth rates                                  
Investments Growth % ...                   -0.475 -0.350 -1.98 0.335 3.25    
Reinsurance Assets Growth % ... ... ...               30.2 18.5 27.5 19.1 9.27    
Total Asset Growth % ...                   5.23 3.91 4.00 5.79 5.47    
Shareholders' Equity Growth % ...                   0.907 1.35 -18.5 9.42 4.63    
Underwritting Provisions Growth % ...                   7.38 2.29 9.58 4.25 5.88    
market share                                  
Market Share in Assets %                     5.94 6.18 5.91 6.45 ... ... ...
Market Share in Net Profit %                     5.08 11.0 8.05 8.35 ... ... ...
Market Share in Technical Reserves %                     6.65 6.57 6.15 6.54 ... ... ...
Market Share in Life Insurance Reserves %                     5.33 5.45 5.22 5.78 ... ... ...
Market Share in Non-Life Insurance Reserves %                     9.60 9.20 8.72 8.61 ... ... ...
ratios Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
ratios                                  
ROE % ...                   21.9 21.4 21.3 21.9 22.7    
ROA %                     4.34 4.10 3.58 3.30 3.47    
Net Margin %                     8.83 8.80 7.02 8.16 6.53    
Investment Yield %                     10.1 11.7 13.5 1.54 23.3    
Combined Ratio %                     65.8 57.7 63.1 72.4 68.5    
Claims Ratio %                     58.3 51.2 53.9 60.0 58.8    
Cost Ratio %                     19.0 24.1 25.3 30.3 28.2    
Acquisition Cost (As % Of Premiums Written) %                     7.49 6.45 9.21 12.4 9.71    
Administrative Cost (As % Of Assets) %                     3.68 5.78 5.98 6.06 6.21    
Equity (As % Of Assets) %                     19.4 18.9 14.8 15.3 15.2    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... 178 51.5 85.2 76.8   ...
Employees                     738 778 830 831 818    
Cost Per Employee USD per month ... ... ... ... ... ... ... ... ...   3,324 3,709 3,235 2,760 2,802 ... ...
Cost Per Employee (Local Currency) CZK per month ... ... ... ... ... ... ... ... ...   63,517 65,596 63,279 54,006 59,878    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ... ... ...   5.11 5.64 4.99 5.18 4.01    
Life Insurance (As % Of Total Premium) %                     34.0 33.8 37.2 37.7 33.0    
Non-Life Insurance (As % Of Total Premium) %                     66.0 66.2 62.8 62.3 67.0    
Life Insurance (As % Of Total Reserves) %                     55.3 58.2 62.4 64.7 65.6    
Non-Life Insurance (As % Of Total Reserves) %                     44.7 41.8 37.6 35.3 34.4    
other data Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
other data                                  
Life Insurance Premium CZK mil                     3,621 3,736 4,307 4,481 4,036    
Non-Life Insurance Premium CZK mil                     7,030 7,308 7,261 7,390 8,211    
Pre-Tax Technical Profit From Life Insurance CZK mil                     240 154 -79.0 5.09 -215 ...  
Pre-Tax Technical Profit From Non-Life Insurance CZK mil ... ... ...               795 983 1,013 1,023 1,284 ...  
Pre-Tax Profit From Property Insurance CZK mil   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Technical Insurance Reserves CZK mil                     20,614 21,086 23,106 24,089 25,505    
Life Insurance Reserves CZK mil                     11,402 12,279 14,409 15,588 16,738    
Non-Life Insurance Reserves CZK mil                     9,212 8,807 8,697 8,501 8,767    
Number Of Insurance Policies mil                     1.60 1.74 1.78 1.83 1.97    
Premium Per Insurance Policy CZK                     6,649 6,343 6,514 6,480 6,211    
Number Of Agents                     1,863 1,795 1,879 1,776 1,674    

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Feb 2014
Statistical Dossier

Allianz's Life Insurance Reserves rose 20.7% to CZK 18,860 mil in 2016

By Helgi Analytics - February 23, 2018

Allianz Pojistovna managed total insurance reserves worth CZK 26,576 mil at the end of 2016, up 10.1% when compared to the previous year. Historically, the firm’s technical reserves reached an all time high of CZK 26,576 mil in 2016 and an all time low of CZK 5,7...

Allianz's Net Written Premiums rose 8.64% to CZK 11,757 mil in 2016

By Helgi Analytics - February 23, 2018

Allianz Pojistovna generated total net revenues of CZK 15,507 mil in 2016, down 0.046% when compared to the previous year. Historically, the firm’s revenues reached an all time high of CZK 15,953 mil in 2014 and an all time low of CZK 4,802 mil in 2000. The aver...

Allianz's Equity fell 2.50% to CZK 4,500 mil in 2016

By Helgi Analytics - February 23, 2018

Allianz Pojistovna's total assets reached CZK 32,198 mil at the end of 2016, up 5.30% when compared to the previous year. Assets were funded mostly by under-writting provisions, which amounted to CZK 26,576 mil at the year-end, or 82.5% of assets. In addition, equity...

Allianz's Real Estate remain unchanged at CZK 0.000 mil in 2016

By Helgi Analytics - February 23, 2018

Allianz Pojistovna's total investments reached CZK 21,254 mil at the end of 2016, up 12.6% when compared to the previous year. Financial investments formed 91.3% of total investment portfolio at the end of 2016. Loans represented 0.000% and real estate...

Allianz's Life Insurance Premium fell 5.02% to CZK 2,968 mil in 2016

By Helgi Analytics - February 23, 2018

Allianz Pojistovna sold gross insurance premium worth CZK 13,003 mil in 2016, up 8.08% when compared to the previous year. This represented 83.9% of total firm's revenues. Life premium amounted to CZK 2,968 mil, or 22.8% of total gross premium written while non-lif...

Allianz's Acquisition Cost (As % Of Premiums) rose 8.81% to 8.61% in 2016

By Helgi Analytics - February 7, 2018

Allianz Pojistovna's cost to assets ratio reached 5.10% in 2016, up from 4.41% when compared to the previous year. Historically, the insurance’s costs reached an all time high of 14.1% in 2000 and an all time low of 3.68% in 2010. The average figure for the last ...

Allianz's employees fell 1.56% to 818 in 2014

By Helgi Analytics - February 23, 2018

Allianz Pojistovna employed 818 persons in 2014, down 1.56% when compared to the previous year. Historically, the firm's workforce hit an all time high of 831 persons in 2013 and an all time low of 738 in 2010. Average cost reached USD 2,802 per month per employe...

More News

Allianz pojišťovna, a. s. is a Czech Republic-based wholly-owned subsidiary of the leading insurance group Allianz. With nearly 1.8 million of insurance policies sold and over USD 1 bil of technical reserves under management, Allianz is the third largest insurance company in the Czech Republic, holding a 7.5% share on total premium sold in 2012. Allianz Group is a German multinational financial services company headquartered in Munich. Its core business and focus is insurance. As of 2010, it was the world's largest insurance company and the largest financial services company by revenues

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