master's thesis
ANALIZA USPJEŠNOSTI POSLOVANJA TRIGLAV OSIGURANJA D.D. I USPOREDBA S KONKURENTIMA

Tanja Kovačević (2016)
University of Split
Faculty of economics Split
Metadata
TitleANALIZA USPJEŠNOSTI POSLOVANJA TRIGLAV OSIGURANJA D.D. I USPOREDBA S KONKURENTIMA : završni rad
AuthorTanja Kovačević
Mentor(s)Sandra Pepur (thesis advisor)
Abstract
Ovaj završni rad temelji se na proučavanju tržišta osiguranja ulaskom Republike Hrvatske u Europsku Uniju kao i prilagodbama koje novo europsko tržište zahtjeva. Temeljni ciljevi rada su:  Analiza utjecaja ulaska Republike Hrvatske na europsko tržište i liberalizacija  Analiza poslovanja Triglav osiguranja d.d. i usporedba sa glavnim konkurentima  Lideri na hrvatskom tržištu osiguranja u 2015. godini Na temelju prikupljenih podataka, u radu se prikazao pregled stanja industrije osiguranja u Hrvatskoj kao i struktura premije osiguranja na tržištu. Analizom poslovanja odabranih pokazatelja glavnih konkurenata Croatia osiguranje d.d. i Allianz Zagreb d.d. napravljena je usporedba sa poslovanjem Triglav osiguranja d.d. za promatrano razdoblje. Provedenom analizom došlo se do sljedećih rezultata:  Dozvoljeno je kreiranje vlastitih standarda uvjeta osiguranja od autoodgovornosti – liberalizacija tržišta će dovesti do slobode određivanja premija osiguranja  Analiza prikupljenih podataka iz financijskih izvještaja za odabrana osiguravajuća društva pokazuje pad zarađene premije , porast kvote šteta . Triglav osiguranje d.d. je dobro kroz godine upravljao financijskom imovinom i ostvario planirane ciljeve poslovanja.  Croatia osiguranje d.d. je u 2014. provela privatizaciju i reorganizaciju što je za posljedicu dovelo do gubitka u poslovnoj 2014. godini  Allianz Zagreb d.d. pokazuje stabilnost poslovanja, zarađena premija raste. Rezultati poslovanja pokazuju da je tržište osiguranja doživjelo pad bruto premije u području neživotnih osiguranja (najveći pad kod premije osiguranja od autoodgovornosti). Osiguravatelji primjenjuju trend smanjenja troškova poslovanja dajući segmente poslovanja u outsourcing kao i provođenje centralizacije poslovanja i premještanje službi u veće gradove. Triglav osiguranje d.d. je unatoč poslovanju u uvjetima krize i smanjenja troškova poboljšao svoje mjesto na tržištu (8. osiguravatelj na ljestvici u Hrvatskoj) ali i dalje postoji potreba za prilagođavanjem svog poslovanja uvjetima i izazovima europskog tržišta i standarda.
Keywordsanalysis market competitors
GranterUniversity of Split
Faculty of economics Split
PlaceSplit
StateCroatia
Scientific field, discipline, subdisciplineSOCIAL SCIENCES
Economics
Finance
Study programme typeprofessional
Study levelspecialist graduate
Study programmeManagement; specializations in: Project management, Financial and Tax management, Accounting and Revision
Study specializationProject management
Academic title abbreviationstruč. spec. oec.
Genremaster's thesis
Language Croatian
Defense date2016-06
Parallel abstract (English)
This final thesis is based on insurance market research upon Croatia`s accession to the European Union and the adjustments required by the new European market. The basic objectives of the paper include:  Analysis of influence of Croatia`s entering onto the European market and liberalisation  Analysis of business operation of the insurance company Triglav osiguranje d.d. and its comparison with its main competitors  Leaders on the Croatian insurance market in 2015 Based on the collected data, the paper presents the overview of the insurance industry status in Croatia and the insurance premium structure on the market. By analysing business operation of the selected indicators of main competitors Croatia osiguranje d.d. and Allianz Zagreb d.d., we provided comparison of said companies with the business operation of Triglav osiguranje d.d. in the observed period. The analysis yielded the following results:  It is allowed to create personal standards of terms of automobile liability insurance – liberalisation of market leads to freedom of determining insurance premiums.  Analysis of collected data from financial reports for selected insurance companies shows decrease in the earned premium and increase in the claims ratio. Triglav osiguranje d.d. has managed its financial assets well through the years and has achieved its planned business operation objectives.  Croatia osiguranje d.d. underwent privatisation and restructuring in 2014 which resulted in the loss of profit in the business year 2014.  Allianz Zagreb d.d. shows business operation stability and increase in the earned premium. Business operation results show that the insurance market has experienced decrease in the gross premium within the area of non-life insurance (the greatest decrease has been detected 58 in car liability insurance premium). Insurance companies have been applying the trend of business operation cost reduction by outsourcing their business operation segments, by executing business operation centralisation and by relocating their departments to larger cities. Triglav osiguranje d.d. has improved its market position, despite operating under crisis and cost reduction (8th best insurance company in Croatia), however it still needs to adapt its business operation to the terms and challenges of the European market and standard.
Parallel keywords (Croatian)analiza tržište konkurenti
Resource typetext
Access conditionOpen access
Terms of usehttp://rightsstatements.org/vocab/InC/1.0/
URN:NBNhttps://urn.nsk.hr/urn:nbn:hr:124:720780
CommitterIvana Gizdić