Raport I Mbikëqyrjes 2010

RAPORTI I MBIKQYRJES 2010
SUPERVISION REPORT 2010

E drejta e Autorit
Materiali n kt publikim sht pronsi e AMF. Ju mund ta shkarkoni, printoni apo riprodhoni kt material n nj
form t patjetrsuar, pr qllime personale jo komerciale ose brenda organizats tuaj, duke cituar Autoritetin e
Mbikqyrjes Financiare (AMF). T gjitha t drejtat jan t rezervuara.
Krkesa pr prdorim t mtejshm t informacionit n kt publikim duhet t drejtohen pran Drejtoris s
Krkimeve dhe Statistiks.
Disclaimer
Ndrkoh q AMF prpiqet t siguroj cilsin e ktij publikimi, AMF nuk mban prgjegjsi pr saktsin, apo
valutn e prdorur n materialin e prfshir n kt publikim, si dhe nuk mbart detyrim ligjor pr ndonj humbje
apo dm t mundshm si pasoj e prdorimit apo referimit n kt publikim.
Shnime
N fund t ktij publikimi do t gjeni shnime sqaruese mbi burimin e t dhnave.
Informacion i mtejshm
Pr m shum informacion n lidhje me statistikat n kt publikim:
e-mail
amf@amf.gov.al
adresa
Drejtoria e Krkimeve dhe Statistiks, Autoriteti i Mbikqyrjes Financiare

Rruga Dora DIstria, Nr. 10, P.O.Box 8363, Tiran
Copyright
The material in this publication is copyright. You may download, display, print or reproduce material in this
publication in unaltered form for your personal, non-commercial use or within your organisation, with proper
attribution given to the Albanian Financial Supervisory Authority (AFSA). All rights are reserved.
Requests for other uses of the information in this publication should be directed to AFSA Research and Statistics
Directorate.
Disclaimer
While AFSA endeavours to ensure the quality of this Publication, AFSA does not accept any responsibility for the
accuracy, completeness or currency of the material included in this Publication, and will not be liable for any loss
or damage arising out of any use of, or reliance on, this Publication.
Explanatory notes
A set of explanatory notes on the source of data is provided at the end of the publication.
Enquiries
For more information about the statistics in this publication:
e-mail
or write to
amf@amf.gov.al
Drejtoria e Krkimeve dhe Statistiks, Autoriteti i Mbikqyrjes Financiare
Rruga Dora DIstria, Nr. 10, P.O.Box 8363, Tiran
AMF - Departamenti i Krkim, TI dhe Statistiks

FSA - Research, IT and Statistics Department

Prmbajta
GjendjafinanciareetregunesigurimevenShqipri
DisaKarakteristikambiTreguneSigurimeve
Grafik:StrukturaeKapitalitsipasVndittOrigjins
AktividhePasiviiTregut
AktividhePasiviiTregut(JetJoJet)
Grafik:AktivedhePasive
Portofoliiinvestimevetshoqrivetsigurimit
AktivetnMbulimtProvigjoneveTeknike
ProvigjonetTeknikeBrutodheNeto
AktiveteDetajuaraTotaliTregut
DetyrimeteDetajuaraTotaliTregut
SIGURIMIIJETS
AktiveteDetajuara
DetyrimeteDetajuara
TdhenangaLlogariaTeknike
SIGURIMIIJOJETS
AktiveteDetajuara
DetyrimeteDetajuara
TdhenangaLlogariaTeknike
TESTETIRIS
TDhnanga:LlogariaTeknikeSigurimiAksidentedheShndeti
TDhnanga:LlogariaTeknikeSigurimiMotorrik
TDhnanga:LlogariaTeknikeSigurimiMotorrikMTPLeBrendshme
TDhnanga:LlogariaTeknikeSigurimiMotorrikKartonJeshil
TDhnanga:LlogariaTeknikeSigurimiMotorrikSigurimiKufitar
TDhnanga:LlogariaTeknikeSigurimiMotorrikKasko
TDhnanga:LlogariaTeknikeSigurimiMarin,AviaciondheMallranTransport
TDhnanga:LlogariaTeknikeSigurimiZjarridheDmettjeranPron
TDhnanga:LlogariaTeknikeSigurimiPrgjegjsivetPrgjithshme
TDhnanga:LlogariaTeknikeSigurimiKreditidheGarancia
IndeksiiTermave
Sqarime

Faqe 3
Faqe 4
Faqe 5
Faqe 6
Faqe 7
Faqe 8
Faqe 9
Faqe 10
Faqe 11
Faqe 12
Faqe 13
Faqe 14
Faqe 15
Faqe 16
Faqe 17
Faqe 18
Faqe 19
Faqe 20
Faqe 21
Faqe 22
Faqe 23
Faqe 24
Faqe 25
Faqe 26
Faqe 27
Faqe 28
Faqe 29
Faqe 30
Faqe 31
Faqe 32
Faqe 33
Faqe 34
Faqe 35
Faqe 36
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

Contents
FinancialstateofInsuranceMarketinAlbania
Keycharacteristicsofinsurancemarket
Graphic:CapitalStructurebyCountryofOrigin
AssetsandLiabilities
TotalAssetsandLiabilities(LifeNonLife)
Graphic:AssetsandLiabilities
Investmentportfolioofinsurancecompanies
AssetsCoveringTechnicalProvision
GrossandNetTechnicalProvisions
AssetsofInsuranceCompaniesTotalMarket
LiabilitiesofInsuranceCompanies
LIFEINSURANCE
AssetsofInsuranceCompanies
SelectedDataofTechnicalAccount
NONLIFEINSURANCE
SelectedDataofTechnicalAccount
IRISTESTS
SelectedDataof:TechnicalAccountAccidentandHealthInsurance
SelectedDataof:TechnicalAccountMotorInsurance
SelectedDataof:TechnicalAccountMotorInsuranceDMTPL
SelectedDataof:TechnicalAccountMotorInsuranceGreenCard
SelectedDataofTechnicalAccountMotorInsuranceBorder
SelectedDataof:TechnicalAccountMotorInsuranceCasco
SelectedDataof:TechnicalAccountMarine,AviationandTransportInsurance
SelectedDataof:TechnicalAccountFireandOtherDamagetoPropertyInsurance
SelectedDataof:TechnicalAccountGeneralLiabilityInsurance
SelectedDataof:TechnicalAccountCreditandSuretyshipInsurance
IndexofTerms
ExplanatoryNotes

Page 3
Page 4
Page 5
Page 6
Page 7
Page 8
Page 9
Page 10
Page 11
Page 12
Page 13
Page 14
Page 15
Page 16
Page 17
Page 18
Page 19
Page 20
Page 21
Page 22
Page 23
Page 24
Page 25
Page 26
Page 27
Page 28
Page 29
Page 30
Page 31
Page 32
Page 33
Page 34
Page 35
Page 36
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

Hyrje
Viti2010shnoikonkretiziminedyprejprojekteveteprtrndsishmetAMFsndrejtimtforcimittmbikqyrjesstregutt
sigurimeve;projektit'DrejtnjMbikqyrjeEfektive'dheSistemittManaxhimittInformacionit.ManualiiMbikqyrjesmefokus
riskunsiproduktiprojektitPrMbikqyrjenEfektive,ifinancuarngaFirstInitiativemeasistencneBanksBotrore,synonforcimin
emtejshmtmbikqyrjesstreguttsigurimevenShqipri.KyManualshtjovetmproduktiipariktijlloji,pornjkohsisht
synonreformimtmbikqyrjesstreguttsigurimevedukeeforcuaratmtejdhedukeebratmefiente.Sistemii
ManaxhimittInformacionitprbhetnganjplatformraportimiweb,nprmjettcilssubjektetembikqyruraraportojnt
dhnatekrkuarangaAutoritetinmnyrelektronikenprmjetfaqessinternetit.Kysistemdotmbshtesmetodologjinere
tmbikqyrjesmefokusriskundhetashmshtnfaznetestimitngatregu.
Gjatvitit2010janhartuardhemiratuarnjsrakteshtrndsishmennligjore,mendikimnforciminembikqyrjesstregut
tsigurimevekumundtprmendet:Rregullorjanr.22,dat19.03.2010"Prkrijimin,llogaritjen,financimin,administriminefondit
tkompesimitdhekryerjenepagesavetdmeve",Rregullorjanr.21,dat19.03.2010"Pradministriminefondittgarancisdhe
rregullatetrajtimittdmevetkartonitjeshil",Rregullorjanr.20,dat19.03.2010"Mbimasnekontributitvjetortshoqrivet
sigurimit"sidheRregullorjanr.2,dat28.01.2010PrstandarteteraportimitdhetmbikqyrjessByrosShqiptaretSigurimit.
Nthelbtktijpublikimishtinformacionistatistikorfinanciaridetajuardhetepristrukturuar.Kshtu,prvetesteveIRISpr
tregun,tdhnavemakrodheinformacionitteknikofinanciarprtreguneJetsdhetJoJets,njvendtrndsishmzendhe
treguesitteknikofinanciartdisaprejportofolevemepeshmtrndsishmemeqllimanaliziminetendencavenvite.Ky
publikimmendohettivijnndihmnjnumritkonsiderueshmprdoruesish,dukefilluarqngavetoperatortetregut,
investitortehuaj,analisttendryshmdhederiprqllimeakademike.RaportiiMbikqyrjesshtproduktibashkpunimittdy
drejtorive,prkatsishtDrejtorissKrkimitdheStatistikssidheDrejtorissRaportimitdheAnalizs.Shpresojm,qkypublikim
tiprgjigjetnevojavetpublikuttgjer,prinformaciondhetishrbejforcimittmtejshmttransparencsnkuadrine
mbikqyrjesstreguttsigurimeve.
Bazaetdhnavedhemetodologjiaeprdorurprktpublikim
Prprgatitjenetabelavetktijpublikimijanprdorurpasqyratfinanciarevjetore(bilancet,llogaritfitimhumbje,llogaritteknike
dheprovigjonettekniketaprovuarangaBordiiAMF)tshoqrivetsigurimit,tmiratuaraparaprakishtngaekspertetkontablt
autorizuar.
ShoqritesigurimitjantdetyruaratraportojnktopasqyranbaztUdhzimitprlistnedokumentevetllogaridhniess
detyruarvjetoreeperiodiketshoqrivetsigurimiterisigurimit,miratuarmevendimineBordittAMFnr10,dat08.02.2007.N
publikimjanparaqiturtdhnatdetajuaranlidhjemeaktivet,detyrimet,rezultatintekniktndarsipasportofoleve,aktivetn
mbulimtprovigjoneve,strukturneprovigjoneveteknike,treguesitteknikofinanciar,tdhnangallogariateknikeeportofoleve
kryesor,etj,tndaraedhesipasllojittsigurimeveJetdheJoJetsidheprtregunntotal.Prtpasurbazkrahasimidheprt
dhntendencnetreguttsigurimevenvendjanprdorurtdhnatviteve2006,2007,2008,2009dhe2010.
TdhnatprprgatitjenektijraportijanprpunuarnprograminExcel.RaportiiMbikqyrjesmundteshikohetngajuiafishuar
nformat.pdfdhe.xlsnfaqenzyrtaretAMFwww.amf.gov.al.
Misioniimbikqyrjes
Mbikqyrjaetregutfinanciarjobankardhenveantietreguttsigurimeve,ushtrohetngaAutoritetiiMbikqyrjesFinanciare,n
baztLigjitnr.9267,dat29.07.2004Prveprimtarinesigurimit,trisigurimitdhendrmjetsimitnsigurimedherisigurimesi
dheLigjitnr.9572,dat03.07.2006PrAutoritetineMbikqyrjesFinanciare.
MisionithemeloriAMFs,nzbatimtprgjegjsiveligjoresiautoritetmbikqyrs,shtmbrojtjaeinteresavetkonsumatorve
dheinvestitorve,elidhurngushtmesigurineoperatorvetmbikqyrurdukegarantuarprmbushjenedispozitaveligjore.
Nvijim,AMFdotrealizojmisioninevetmbikqyrs,nprmjetprmirsimittvazhdueshmtkuadritrregullativmbikqyrsn
prputhjemeparimetndrkombtaredhedirektivatevropiane,bashkrendimittanalizssdokumentacionitfinanciardhe
mbikqyrjesnvendttregut,orientimittprocesittmbikqyrjesdrejtmbikqyrjesmebazrisku,ndrmarrjesspolitikave
zhvillueseprtregun,trainimittburimevenjerzoredrejtnjmbikqyrjejeefektive.


Gjendjafinanciareetreguttsigurimevenvitin2010
Prvitin2010,Autoritetikaanalizuardhemonitoruarsituatnfinanciarettreguttsigurimeve,meprioritetprmirsimineprocesit
tmbikqyrjesstijdhembrojtjeneinteresavettsiguruarve.
Autoriteti,nkuadrinefunksionittmbikqyrjes,sidheprkrijiminenjtregufinanciartqndrueshm,efikasdhetransparentka
ndjekurmeprioritetnjstrategjitkujdesshmeprmonitorimin,parandalimindhereagiminnkohneduhurndajproblemeveq
mundtcojnnprkeqsiminenjosedisaparametravetoperatorventreg.Dukepatursifokuskryesorkalimindrejtmetods
smbikqyrjesmefokusriskunmbikqyrjagjatvitit2010,kakonsistuarn:
i)dhnienerekomandimevekonkreteprrritjenedisiplinsstregutdheprshkallziminemasavembrojtsedhekorrigjuesen
prputhjemeprofilineriskuttsubjektevetmbikqyrura;
ii)forciminembikqyrjesstreguesvetekniktmjaftueshmriskapitalit,aktivevenmbulimtprovigjoneveteknike,likuiditetit
dhemanaxhimittriskuttinstitucionevetlicencuara;
iii)shqyrtiminesaktsisetraportimitnprputhjemeSNRFdhedepozitiminnkohtpasqyravefinanciaredheteknike,
mbshteturnkuadrinligjornfuqi.
iv)prmbushjenekrkessligjorembifondinegarancistshoqrivetsigurimitdhezbatiminerregullaveprinvestiminetij.
AutoritetiiMbikqyrjesFinanciare,prtvlersuargjendjenfinanciaretshoqrivetsigurimit,kaushtruarinspektimetplota,
tematikedhetplanifikuaran10shoqritesigurimit(JetdheJoJet)meqllim:
Verifikiminnvendtaktiveve,detyrimeveafatshkurtradheafatgjatatshoqrivetsigurimitprvitin2009dhe3mujorinepar
tvitit2010;
Drejtimeteinvestimittaktivevenmbulimtprovigjoneveteknikedhematematikesipaskategorivedhelimitevetlejueshmet
investimittprcaktuarnLigjinnr.9267,dat29.07.2004dheaktetnnligjore;
Evidentimineaktivevejotliratcilatnukkonsiderohenaktivenmbulimtprovigjoneveteknike;
Vlersiminecilsissaktivevedhenivelinelikuiditetitttyre;
Nivelineprgjegjsivetmarransigurimngaanaeshoqrivetsigurimitdhemarrveshjevetrisigurimit,nzbatimtLigjitNr
9267,dat29.07.2004,sidheakteveprkatsennligjore
Treguisigurimevenfundtvitit2010kaqenimirkapitalizuar,gjqilustrohetngatreguesiimjaftueshmrisskapitalitmbi
nivelinminimaltkrkuarnmasn154.12%.TreguesiteRentabilitetitRoEdheRoAkanpaturngritjegjatktijvitisirezultati
rritjessrezultatitfinanciarnetotksajperiudhe.Treguesiiaktivevenmbulimtprgjegjsivendajpolicmbajtsvepraktivitetin
eJetsdhetJoJetsjanprkatsishtnmasn114.57%dhe99.49%prvitin2010,dukepsuarnjrritjenkrahasimmevitin
2009.Aftsiapagueseetregutarritin6.65miliardleknvitin2010,dukeruajturndikiminpozitivnrritjenekapacitetitmbajts
dheinvestuesttregutdhedukendikuarnrritjenecilsissmarrveshjevetrisigurimit.Raportiiaftsispagueseshtnnivele
tlarta,rreth439.55%nniveltregu.Gjatvitit2010,aktivetetreguttsigurimevekrahasuarmevitin2009urritnme1.44miliard
lekose8.88%.Kjorritjeshtreflektuarkryesishtnrritjeneaktivevelikuidemerreth1.41miliardlek,krahasuarmefundvitin
2009.Nfundtvitit2010,kapitaletevetattregutarritnn10miliardlek.Rezultatifinanciarnetoitreguttsigurimeveprvitin
2009,arritishifrn1.06miliardlek,vlerkjo0.51miliardlekmelartseajoevitit2009.TreguisigurimevetJetsvijont
shnojrezultateteknikepozitive,prkatsishtnvlern0.26miliardlekdheaiiJoJetskashnuarrezultatteknikpozitivn
vlern0.15miliardlekprvitin2010.NiveliendeiultiraportittprimevetshkruarabrutondajPBBnmasn0.67%,vazhdont
prforcojpritshmrit,setregushqiptarisigurimeveparaqetpotencialtmadhprzhvillimtmtejshm.
Gjatvitit2010kavazhduartzbatohetsistemiiparalajmrimitthershm.Kshtu,nanaliznegjendjesfinanciaretsektoritt
sigurimeve,nvlersimineshoqrive,prdorenedhetreguesitesistemitIRIS(SistemiInformativRregullativiSigurimeve)t
prshtaturaprshoqritesigurimittJoJetsnShqipri.Ktotreguesfinanciarishrbejnevidentimitnkohneduhurt
problemeveqmundtojnnprkeqsiminenjosedisaparametravetoperatorventreg.
Ruajtjaeqndrueshmrisstregutfinanciarjobankardhembrojtjaekonsumatoritjanndrobjektivatkryesoretveprimtariss
AutoritetittMbikqyrjesFinanciare.VeprimeteAutoritetitmeqllimparandalimindheeleminimineshkeljevenktdrejtim
prfshijnmonitoriminepraktikavettregutnmnyrtvazhdueshmedhendrhyrjenmethekstveantnatozonatcilatjan
tekspozuarandajrrezikuttlartapondrejtimtmbrojtjessinteresavetkonsumatorve.
Gjatvitit2010,ngambikqyrjaeshoqrivetsigurimitjankonstatuarshkeljetdispozitaveligjoredhejanmarrmasa
administrative.Masatevendosurandajsubjektevetmbikqyruarakanndikuarnnjprmirsimtqndrueshmrisfinanciaret
disasubjektevesidhekanndikuarnzvoglimineriskut.


Introduction
Theyear2010markedthematerializationoftwoveryimportantprojectsofAFSAintermsofstrengtheningthesupervisionofthe
insurancemarket:theproject'TowardsanEffectiveSupervision'andtheManagementInformationSystemproject.TheRiskFocused
SupervisionManualastheproductoftheproject"EffectiveSupervision",fundedbyFirstInitiativewiththeassistanceofWorldBank,
aimstofurtherstrengthenthesupervisionoftheinsurancemarketinAlbania.ThisManualisnotonlythefirstproductofitskind,but
alsoaimstoreformtheinsurancemarketoversightbystrengtheningitfurtherandmakingitmoreefficient.TheManagement
InformationSystemconsistsofawebreportingplatform,throughwhichthesupervisedentitiesreporttheinformationrequiredbythe
AuthorityelectronicallyviatheInternet.Thissystemwillsupportthenewriskfocusedmethodologyandisnowinthemarkettesting
phase
Duringtheyear2010weredraftedandadoptedanumberofimportantregulations,whichareexpectedtohaveanimpactonthe
strengtheningofinsurancemarketsupervision.Suchregulationsinclude:RegulationNo.22of19March2010"Ontheestablishment,
calculation,financingandmanagementofthecompensationfund,andpayingclaims";RegulationNo.21of19March2010"On
managingtheguaranteefund,andtherulesofGreenCardclaimshandling";RegulationNo.20of19March2010Ontheannual
contributionsofinsurancecompanies;andRegulationNo.2of29January2010OnAlbanianInsuranceBureaureportingand
supervisionstandards.
Thisreportfocusesondetailedandstructuredstatisticalandfinancialinformation.InadditiontoIRIStestsforthemarket,macrodata
andtechnicalandfinancialinformationonthelifeandnonlifemarket,animportantplaceisgiventothetechnicalandfinancial
indicatorsofsomeofthemostsignificantportfolios,whichwouldhelpassesstheirtrendovertime.Thispublicationisintendedasa
toolforasignificantnumberofusers,frommarketoperatorstoforeigninvestorstovariousanalyststoacademiccircles.The
SupervisionReportistheoutputofcooperationbetweentheResearchandStatisticsDirectorateandtheReportingandAnalysis
Directorate.Wehopethatthispublicationmeetsthegeneralpublicneedsforinformationandcontributestofurtherstrengtheningthe
transparencyinthecontextofsupervisingtheinsurancemarket.
Thedatabaseandthemethodologyusedforthispublication
Auditedannualfinancialstatements(balancesheets,profitandlossaccounts,technicalaccountsandtechnicalprovisionsapprovedby
theAFSABoard)ofinsurancecompanieswereusedforthepreparationofthetablesinthisReport.
InsurancecompanieshavetheobligationtoreporttheirfinancialstatementsundertheGuidelineontheListofStatutoryAnnualand
PeriodicalDocumentsofInsuranceandReinsuranceCompanies,adoptedwithAFSABoardDecisionNo10of8February2007.The
Reportpresentsdetaileddataonassets,liabilities,technicalresultclassifiedbyportfolios,assetscoveringprovisions,thestructureof
technicalprovisions,technicalandfinancialindicators,majorportfoliotechnicalaccount,etc.,groupedbythetypeofinsurancelife
andnonlifeaswellasfortheoverallmarket.Forthepurposesofcomparisonandtrendassessmentthedatacover2006,2007,
2008,2009dhe2010.
DataforthepreparationofthisreportareprocessedthroughExcelprogram.ThesupervisionreportcanbeaccessedviaAlbanianFSA
officialwebsite,www.amf.gov.alinboth.pdfand.xlsformat,respectively.
MissionoftheSupervision
Thesupervisionoffinancialnonbankingmarketand,particularly,theinsurancemarketisconductedbytheFinancialSupervisory
Authority,inaccordancewithLawNo9267of29July2004OntheActivityofInsurance,ReinsuranceandIntermediationinInsurance
andReinsurance,andLawNo9572of3July2006OntheFinancialSupervisoryAuthority.
AFSAfundamentalmissionistoprotectconsumersandinvestorsinterests,whichiscloselyrelatedtothesecurityofsupervised
operators,thusensuringlegalcompliance.
Inthefuture,AFSAisgoingtofulfilitssupervisionmissionby(i)consistentlyenhancingthesupervisionregulatoryframeworkinline
withinternationalprinciplesandEuropeanDirectives,(ii)coordinatingtheanalysisofmarketfinancialandsupervisiondocumentationin
thecountry,(iii)guidingthesupervisionprocesstowardsriskbasedsupervision,(iv)undertakingdevelopmentpoliciesforthemarket,
and(v)traininghumanresourcesoneffectivesupervision.


Financialsituationofinsurancemarketin2010
In2010,theAuthorityassessedandmonitoredthefinancialsituationintheinsurancemarket,givingprioritytoitssupervisionand
safeguardingpolicyholdersinterests.Withinitssupervisionfunctionandinthecontextofestablishingastable,efficientand
transparentfinancialmarket,theAuthoritygaveprioritytotheimplementationofaprudentstrategyformonitoring,preventingand
respondingtoanyissuesthatmightleadtothedeteriorationofoneorseveralparameterspotentialofmarketoperators.Withthe
strongintentiontoshifttowardsariskbasedsupervisionapproach,in2010supervisionactivitiesconsistedof:
i)providingspecificrecommendationsforincreasingmarketdiscipline,andescalatingsafeguardsandcorrectivemeasuresinlinewith
theriskprofilesofsupervisedentities;
ii)strengtheningthesupervisionoflicenseestechnicalindicatorsofcapitaladequacy,assetscoveringtechnicalprovisions,solvencyand
riskmanagement;
iii)reviewingtheaccuracyofIFRSbasedreporting,andtimelyfilingoffinancialandtechnicalstatementsincompliancewiththe
legislationinpower;
iv)compliancewiththestatutoryguaranteefundrequirementsandinvestmentrequirements.
Inordertoassessthefinancialpositionofinsurancecompanies,theAuthoritycarriedoutcomplete,thematicandplannedinspections
of10lifeandnonlifeinsurancecompanies,to:
Verifyinsurancecompanyassets,shorttermandlongtermliabilitiesfor2009andthefirstquarterof2010;
Verifyassetinvestmentmanagementforassetscoveringtechnicalandmathematicalprovisionsinlinewithallowedinvestment
classesandlimits,specifiedinLawno.9267of29July2004andrelevantregulations;
Identifyengagedassetsthatcannotbeconsideredasassetscoveringtechnicalprovisions;
Assessthequalityofassetsandtheirliquidity;
Assesstheamountofliabilitiescoveredthroughinsurancebyinsurancecompaniesandreinsuranceagreements,pursuanttoLawno.
9267of29July2004andrelevantregulations.
Theinsurancemarketwaswellcapitalizedin2010,whichisalsoillustratedbythecapitaladequacyratioovertherequiredminimum
capitalof154.12%.Profitabilityindicators(ROEandROA)rosein2010asaresultofincreasednetincomeinthesameyear.Theasset
coveringliabilityindicatorinrelationtolifeandnonlifeinsurancewas114.14%and99.49%,respectively,risingcomparedwith2009.
MarketsolvencywasALL6.65billionin2010,maintainingapositiveimpactontheriseinthemarketholdinginvestmentcapacityand
ontheincreasedqualityofreinsuranceagreements.Theoverallmarketsolvencyratiowasveryhigh,atabout439.55%.In2010,
insurancemarketassetsincreasedbyALL1.44billion(8.88%),comparedwith2009.Theincreasewasmainlyreflectedintherisein
liquidassetsbyaboutALL1.41billioncomparedwiththeendof2009.Attheendof2010,equityinthemarketwasALL10billion.The
grossincomeintheinsurancemarketin2010wasALL1.06billion,ALL0.51billionhigherthanin2009.Thelifeinsurancemarket
continuedtohavepositivetechnicalresultsatALL0.26billion,whilethenonlifeinsurancemarkethadapositivetechnicalresultofALL
0.15billionin2010.ThesmallshareofgrosswrittenpremiumsofGDP(0.67%)continuestostrengthentheexpectancythatthe
Albanianinsurancemarkethasgreatpotentialforfurtherdevelopment.
Theearlywarningsystemcontinuedtobeimplementedin2010.So,theanalysisofthefinancialpositionoftheinsuranceindustryand
insurancecompaniesalsousesInsuranceRegulatoryInformationSystem(IRIS)indicators,whichhavebeenadaptedtononlife
companiesinsuranceinAlbania.IRISfinancialindicatorscontributetothetimelyidentificationofissuesthatmayleadtothe
deteriorationofoneorseveralparametersofmarketoperators
ThemaingoalsofAFSAincludetomaintainthestabilityofthenonbankingfinancialmarketandprotectconsumers.AFSAactionsinthe
contextofpreventingandeliminatingviolationsinthisrespectincludemonitoringofmarketpractices,andinterventionsinthoseareas
thatareexposedtohighriskorinterventionstoprotectconsumersinterests.
Supervisionoftheinsurancecompaniesin2010identifiedviolationsoflegalprovisions,againstwhichadministrativemeasureswere
taken.Themeasurestakenagainstthesupervisedentitieshadanimpactontheimprovementofthefinancialstabilityofsomeofthe
entities,andonriskreduction.


KeyCharacteristicsofInsuranceMarket
Vlera (n mij Lek)

T dhena / Item
PeriudhaUshtrimore/Accounting Period
Totaliiaktiveve/Totalassets
Jeta/Life
JoJeta/Non Life
Totaliiinvestimeve/Totalinvestments
Jeta/Life
JoJeta/Non Life
Provigjonetteknikebruto/Grosstechnicalprovisions
Jeta/Life
JoJeta/Non Life
Provigjonetteknikeneto
Technicalprovisionsnetofreinsurance
Jeta/Life
JoJeta/Non Life
Totaliiaktivevenmbulimtprovigjoneveteknike
Totalassetsthatcovertechnicalprovisions
Jeta/Life
JoJeta/Non Life
Totaliikapitalit/Totalofownfunds
Jeta/Life
JoJeta/Non Life
Totaliikapitalittnnshkruar/Totalsubscribedcapital
Jeta/Life
JoJeta/Non Life
Totaliiinvestimevethuaja/Totalofforeigninvestments
Jeta/Life
JoJeta/Non Life

Value (in thousand Leks)

2009
16,226,977
2,121,144
14,105,833
11,202,477
1,738,052
9,464,425
6,229,288
443,999
5,785,290
2010
Ndryshimi
(n %)
Change
(in %)
`10/`09
17,668,645
2,472,735
15,195,910
11,468,807
1,728,248
9,740,559
6,172,538
644,313
5,528,225
8.88
16.58
7.73
2.38
(0.56)
2.92
(0.91)
45.12
(4.44)
4,936,088 5,441,388
10.24
410,485
4,525,603
615,806
4,825,582
6,732,622 6,238,169
830,993
5,901,629
8,545,711
1,608,242
6,937,469
5,786,827
1,264,407
4,522,420
1,984,697
354,958
1,629,739
738,159
5,500,009
10,015,651
1,763,314
8,252,337
6,812,538
1,278,000
5,534,538
3,312,413
347,141
2,965,272
50.02
6.63
(7.34)
(11.17)
(6.81)
17.20
9.64
18.95
17.72
1.08
22.38
66.90
(2.20)
81.95

KeyCharacteristicsofInsuranceMarket
Vlera (n mij Lek)
T dhena / Item
PeriudhaUshtrimore/AccountingPeriod
Primeteshkruarabruto/Grosswrittenpremiums
Jeta/Life
JoJeta/NonLife
Primiifituarneto/Netearnedpremium
Jeta/Life
JoJeta/NonLife
Dmetepaguarabruto/Grossclaimspaid
Jeta/Life
JoJeta/NonLife
Shpenzimetemarrjesnsigurim/Acquisitioncosts
Jeta/Life
JoJeta/NonLife
Shpenzimetadministrative/Administrativeexpenses
Jeta/Life
JoJeta/NonLife
Shpenzimetprinvestimeve/Investmentexpenses
Jeta/Life
JoJeta/NonLife
Tardhuratntotal/Totalincome
Jeta/Life
JoJeta/NonLife
Shpenzimetntotal/Totalexpenses
Jeta/Life
JoJeta/NonLife
Rezultatifinanciarneto/Netfinancialresult
Jeta/Life
JoJeta/NonLife
Rezultatiteknik/Technicalresult
Jeta/Life
JoJeta/NonLife

Ndryshimi
(n %)
Value (in thousand Leks)
Change
(in %)
`10/`09
2009
2010
7,877,331
720,787
7,156,544
6,112,973
478,546
5,634,428
1,733,705
79,619
1,654,086
1,672,269
166,365
1,505,904
2,820,277
193,692
2,626,585
25,541

25,541
7,372,254
670,324
6,701,929
6,680,040
443,042
6,236,998
558,542
203,682
354,859
(412,785)
127,435
(540,221)
8,200,462
848,373
7,352,089
6,682,856
636,884
6,045,972
2,298,912
71,882
2,227,030
1,658,415
201,435
1,456,980
2,619,983
175,400
2,444,582
29,051
29,051
7,603,088
765,175
6,837,912
6,388,698
470,263
5,918,435
1,069,304
271,079
798,225
421,343
264,755
156,588
4.10
17.70
2.73
9.32
33.09
7.30
32.60
(9.72)
34.64
(0.83)
21.08
(3.25)
(7.10)
(9.44)
(6.93)
13.74

13.74
3.13
14.15
2.03
(4.36)
6.14
(5.11)
91.45
33.09
124.94
202.07
107.76
128.99

Grafik:StrukturaeKapitalitsipasVendittOrigjins
Graphic:CapitalStructurebyCountryofOrigin
Austri
32.11%
Shqipri
66.93%
Slloveni
0.96%
Grafik:NdarjaeTregutsipasDominimittKapitalit
Graphic:MarketShareaccordingtoCapitalDominance
IBrendshm/
Domestic
43.05%

IHuaj/Foreign
56.95%

Disa Karakteristika mbi Tregun e Sigurimeve

Key Characteristics of Insurance Market
Te dhena / Item
PeriudhaUshtrimore/Accounting Period
RaportiiprimevetshkruarandajPBB(n%)
GrosswrittenpremiumsratiotoGDP(in%)
TotaliiaktivevendajPPB(n%)
TotalofassetstoGDP(in%)
Treguesitkryesortrentabilitetit(n%)*
MainIndicatorsofRentability(in%)
2006
2007
2008
2009
0.51 0.61 0.65 0.69 0.67

1.28 1.36 1.42 1.42 1.45
6.25 5.91 6.08 3.52 6.31

13.23 11.71 11.10 6.42 11.52
RoA
RoE
Grafik : Trendi i Treguesve Kryesor t Rentabilitetit (n %)

Graphic : Trend of Main Rentability Indicators (in %)
14.00
13.23
11.71
12.00
11.10
10.00
8.00
11.52
6.42
6.25
5.91
6.08
6.31
6.00
4.00
3.52
2.00
0.00
2006
2007
2008
RoA
2009
RoE
* Treguesit jan llogaritur mbi vlerat mesatare t aktiveve dhe kapitalit pr dy vite.
* Ratios are calculated based on two year averages of assets and equity.

2010
2010

Aktivi dhe Pasivi

Assets and Liabilities
Vlera(nmijLek)
TDhnangaPasqyratFinanciare
BalanceSheetItem
Dinamika
(n%)
Dynamics
(in%)
Value(inthousandLeks)
01.01.'10
31.12.'10
01'10-'12'10
Aktive/ Assets
42,330 22,100
A TPatrupezuara/Intangibleassets
01.01.'10
31.12.'10
(47.79) 0.26 0.13
11,202,477 11,468,807
B Investime/Investments
C Pjesaeprovigj.tekniktrisigurimit
1,293,200 731,149
Reinsuranceshareoftechnicalprovisions
D Debitort/Receivables
1,560,504 1,523,753
E Aktivettjera/Otherassets
F Parapagimedhetardhuratllogaritura
Prepaymentsandaccruedincome
TOTALIIAKTIVEVE/TOTALASSETS
PjesandajTotalit
(n%)
ShareinTotalValue
(in%)
2.38 69.04 64.91

(43.46) 7.97 4.14
(2.36) 9.62 8.62
1,877,883 3,464,554
84.49 11.57 19.61
250,582 458,281
82.89 1.54 2.59
16,226,977 17,668,645 8.88 100.00 100.00
Pasivi/ Lialilities
Kapitaleteveta/Capitalandreserves
8,545,711
10,015,651
17.20
52.66
56.69
Huatvarura/Subordinatedliabilities

Provigjonet teknike / Technical provisions

Provigjonetteknike/Technicalprovisions
6 229 288
6,229,288
6 172 538
6,172,538
(0 91)
(0.91)
38 39
38.39
34 93
34.93
ProvigjoneprshpenzimedherreziqeProvision
180,605
16,590
(90.81)
1.11
0.09
forriskandcharges
1,252,648
1,222,036
(2.44)
7.72
6.92
E Kreditort/Creditors
F Tardhuratmarranavanc
9,830
4,430
(54.93)
0.06
0.03
Accrualsanddeferredincome
8,895
237,400
2,569.01
0.05
1.34
G Pasivetetjera/Otherliabilities
16,226,977 17,668,645 8.88 100.00 100.00
TOTALIIPASIVIT/TOTALLIABILITIES
A
B
C
D
15,000
Aktivet/Assets
10,000
5,000
D
01.01.'10
ds
14,000
31.12.'10
Pasivi/Liabilities
9,000
4,000
(1,000)

FSA - Research, IT and Statistics
Statistics Department
Department
01.01.'10
31.12.'10

AktividhePasiviiTregut(JetdheJoJet)
TotalAssetsandLiabilities(LifeandNonLife)
Vlera(nmijLek)
BalanceSheetItem
01.01.'10
31.12.'10
Dinamika
(n%)
Dynamics
(in%)
01'10-'12'10
PjesandajTotalit
(n%)
ShareinTotalValue
(in%)
01.01.'10
31.12.'10
SigurimiiJets/LifeInsurance
Aktive/ Assets

A TPatrupezuara/Intangibleassets
1,738,052 1,728,248
(0.56) 81.94 69.89
B Investime/Investments
Pjesaeprovigj.tekniktrisigurimit
C
33,514 28,507
(14.94) 1.58 1.15
D Debitort/Receivables
E Aktivettjera/Otherassets
Parapagimedhetardhuratllogaritura
F
A
B
C
D
E
F
G
A
B
C
D
E
F
52,245 137,523
203,696 435,885
163.23 2.46 5.56

113.99 9.60 17.63
93,638 142,572
52.26 4.41 5.77
2,121,144 2,472,735 16.58 100.00 100.00
Pasivi/ Lialilities
1,608,242 1,763,314

443,999 644,313
2,231
forriskandcharges
Kreditort/Creditors
66,672 65,108
Tardhuratmarranavanc

Pasivetetjera/Otherliabilities

2,121,144 2,472,735
SigurimiiJoJets/Non Life Insurance
Aktive/ Assets
TPatrupezuara/Intangibleassets
42,330 22,100
Investime/Investments
9,464,425 9,740,559
Pjesaeprovigj.tekniktrisigurimit
1,259,686 702,643
Debitort/Receivables
1,508,260 1,386,230
Aktivettjera/Otherassets
1,312,232 3,028,669
518,899 315,708
9.64
75.82
71.31

45.12
20.93
26.06
(100.00)
0.11
0.00
(2.35)
3.14
2.63

16.58 100.00 100.00
(47.79)
2.92
0.30
67.10
0.15
64.10
(44.22)
8.93
4.62
(8.09)
130.80
10.69
9.30
9.12
19.93
(39.16)
3.68
2.08
14,105,833 15,195,910 7.73 100.00 100.00
Pasivi/ Lialilities
6,937,469 8,252,337
18.95
49.18
54.31

5,785,290 5,528,225
(4.44)
41.01
36.38
178,374 16,590
(90.70)
1.26
0.11
forriskandcharges
1,185,976 1,156,928
(2.45)
8.41
7.61
E Kreditort/Creditors
F Tardhuratmarranavanc
9,830 4,430
(54.93)
0.07
0.03
8,895 237,400
2,569.01
0.06
1.56
G Pasivetetjera/Otherliabilities
14,105,833 15,195,910 7.73 100.00 100.00
A
B
C
D


Grafik : Aktivet sipas Shoqrive t Jets 31.12.2010

Graphic:AssetsaccordingtoLifeCompanies31.12.2010
Grafik : Pasivi sipas Shoqrive t Jets 31.12.2010

Graphic:LiabilitiesaccordingtoLifeCompanies31.12.2010
F
5.77%
E
2.63%
E
17.63%
C
26.06%
D
5.56%
C
1.15%
B
69.89%
Grafik:AktivetsipasShoqrivetJoJets31.12.2010
Graphic:AssetsaccordingtoNonLifeCompanies31.12.2010
E
19.93%
F
2.08%
A
71.31%
Grafik:PasivisipasShoqrivetJoJets31.12.2010
Graphic:LiabilitiesaccordingtoNonLifeCompanies31.12.2010
A
0.15%
E
7.61%
D
0.11%
F
0.03%
G
1.56%
D
9.12%
A
54.31%
B
64.10%
C
4.62%
Aktivi / Assets

C
36.38%
Pasivi / Liabilities

PortofoliiInvestimevetShoqrivetSigurimit
InvestmentPortfolioofInsuranceCompanies
Vlera(nmijLek)
BalanceSheetItem
01.01.'10
31.12.'10
Dinamika
(n%)
Dynamics
(in%)
01'10-'12'10
PjesandajTotalit
(n%)
ShareinTotalValue
(in%)
01.01.'10
Ndyshimi
i Investimeve
m 31.12.2010
Changes in
investments as of
31.12.'10
31.12.'10
ShoqriteSigurimittJets/Life Insurers
Letramevlertqeveris
271,686 297,224 9.40 15.63 17.20 25,539
Governmentsecurities
Depozita/Bankdeposits
1,194,633 1,396,457 16.89 68.73 80.80 201,825
Tokadhendrtime/Landandbuildings
17,039 34,566 102.87 0.98 2.00 17,527
Investimensiprmarjetkontrolluara
Investmentsinsubordinatedundertakings

Ttjeraaksionedheinteresapjesmarrse
254,694 (100.00) 14.65 (254,694)
Othersharesandparticipatinginterest
Huatgarantuaramehipoteka
Mortgageloans

Ttjera/Others

TOTALIIINVESTIMEVE/ TOTALINVESTMENTS
1,738,052 1,728,248 (0.56) 100.00 100.00 (9,804)

ShoqriteSigurimittJoJets/Non Life Insurers
31.12.'10
01.01.'10
31.12.'10
01'10-'12'10 01.01.'10 31.12.'10
Letramevlertqeveris
Depozita/BankDeposits
InvestimensiprmarjetkontrolluaraInvestments
insubordinatedundertakings
Mortgageloans
Ttjera/Others
TOTALIIINVESTIMEVE/TOTALINVESTMENTS
1,282,902 1,327,865
3.50
13.55
13.63
44,963
5,155,267 4,919,587
1,566,998 1,809,999
(4.57)
15.51
54.47
16.56
50.51
18.58
(235,680)
243,001
557,436 560,841
0.61
5.89
5.76
3,405
527,579 748,638
41.90
5.57
7.69
221,059
2,759 2,228
(19.26)
0.03
0.02
(531)
371,485 371,400
9,464,425 9,740,559
(0.02)
2.92
3.93
100.00
3.81
100.00
(85)
276,133
StrukturaeInvestimevetShoqrivetSigurimitsipasVenditdheDatavetMaturimit
StructureofInsuranceCompaniesInvestmentsbyPlaceandMaturityDates
Prshkrimi
Specification
Jeta
(n %)
Life
(n %)
01.01.'10
31.12.'10
Jo - Jeta
(n %)
Non Life
(n %)
01.01.'10
31.12.'10
Totali
(n %)
Total
(n %)
31.12.2010
InvestimesipasVendit/InvestmentsbyPlace
InvestimebrendaterritorittRSH
InvestmentsinsidetheterritoryofRA
100.00 100.00
InvestimejashtterritorittRSH

InvestmentsoutsidetheterritoryofRA
82.67
83.78
85.78
17.33
16.22
14.22
Investimelikuide/Liquidinvestments
84.51
98.00
81.31
59.16
68.35
Investimettjera/Otherinvestments
15.49
2.00
18.69
40.84
31.65


AktivetnMbulimtProvigjoneveTeknike
AssetsCoveringTechnicalProvision
000 lek /ALL
Prshkrimi
Specification
ProvigjoneTeknikeBruto
(nmijLek)
GrossTechnicalProvision
(inthousandLeks)
AktivetnMbulim
tProvigjoneveTeknike
(nMijLek)
AssetsCovering
TechnicalProvision
(inThousandLeks)
AktivetndajProvigjone
TeknikeBruto
(n%)
AssetstoGross
TechnicalProvision
(in%)
31.12.2010
644,313 738,159 114.57
5,528,225 5,500,009 99.49
6,172,538 6,238,169 101.06
Jeta/Life
JoJeta/NonLife
TOTALI/TOTAL
StrukturaeAktivevenMbulimtProvigjoneveTeknike
StructureofAssetsCoveringTechnicalProvisions
Prshkrimi
Specification
SigurimiiJets
(n%)
LifeInsurance
(in%)
SigurimiiJoJets
(n%)
NonLifeInsurance
(in%)
Totali
(n%)
Total
(in%)
31.12.2010
Letramevlertqeveris
4.41 12.80 11.81
Depozita/BankDeposits
74.30 38.76 42.97
Investimensiprmarjetkontrolluara
2.65 16.27 14.66


Mortgageloans
4.36 8.31 7.84
Aktivetrisigurimit/Reinsuranceassets
Aktivetetjera/Otherassets
TOTALI/TOTAL
6.26 13.39 12.55

8.01 10.43 10.14
100.00 100.00 100.00

0.04 0.04

ProvigjoneTeknikeBruto
GrossTechnicalProvisions
Jeta/Life
Prshkrimi
Specification
Vlera
(NmijLek)
Value
(inthousandLeks)
Dinamika
(n%)
Dynamics
(in%)
01.01.'10
01'10-'12'10
31.12.'10
JoJeta/NonLife
Dinamika
Vlera
(NmijLek)
(n%)
Value
Dynamics
(inthousandLeks)
(in%)
01.01.'10
31.12.'10
01'10-'12'10
Provigjoneperpriminepafituar
dherriskunepaskaduar
Provisionforunearnedpremiums
232,052 356,919 2,550,725 2,645,248
andunexpiredrisk
Provigjonepersiguriminejetes
169,731 229,369
Lifeinsuranceprovision
Totali/Total
Vlera
(NmijLek)
Value
(inthousandLeks)
01.01.'10
31.12.'10
Dinamika
(n%)
Dynamics
(in%)
01'10-'12'10
3.71 2,782,777 3,002,167
7.88
35.14 169,731 229,369
35.14
Provigjoneperdemetepezull
42,216 54,813
29.84 3,226,403 2,882,977
(10.64) 3,268,619 2,937,790
(10.12)
Provisionforclaimsoutstanding
Provigjonebarazimi

Equalizationprovision
Tetjeraprovigjone
3,211 8,161 (100.00) 8,161 3,211
(60.65)
Otherprovision
TOTALI/TOTAL
443,999 644,313
45.12 5,785,290 5,528,225
(4.44) 6,229,288 6,172,538
(0.91)
ProvigjoneTeknikeNeto
TechnicalProvisionsNetofReinsurance
Jeta/Life
Prshkrimi
Specification
Vlera
(NmijLek)
Value
(inthousandLeks)
Dinamika
(n%)
Dynamics
(in%)
01.01.'10
01'10-'12'10
31.12.'10
JoJeta/NonLife
Dinamika
Vlera
(n%)
(NmijLek)
Dynamics
Value
(in%)
(inthousandLeks)
01.01.'10
31.12.'10
01'10-'12'10
Provigjoneperpriminepafituardhe
rriskunepaskaduar
Provisionforunearnedpremiumsand
unexpiredrisk
232,052 356,919 53.81 2,176,261 2,480,503
Provigjonepersiguriminejetes
Lifeinsuranceprovision
139,869 200,863
Provigjoneperdemetepezull
Provigjonebarazimi
Equalizationprovision
Tetjeraprovigjone
Otherprovision
TOTALI/TOTAL
38,564 54,813
Totali/Total
Vlera
(NmijLek)
Value
(inthousandLeks)
01.01.'10
31.12.'10
Dinamika
(n%)
Dynamics
(in%)
01'10-'12'10
13.98 2,408,313 2,837,422
17.82
43.61 139,869 200,863
43.61
42.14 2,341,181 2,345,079
0.17 2,379,745 2,399,892
0.85

3,211.39 8,161
410,485 615,806
50.02 4,525,603 4,825,582

(100.00) 8,161 3,211

6.63 4,936,088 5,441,388
(60.65)
10.24

AktiveteShoqrivetSigurimit
000 lek /ALL
Index
A.
B.
TePatrupezuara/Intangibleassets
Tokadhendrtesa/Landandbuildings
I.
II. Investimensiprmarjetkontrolluara
III. Investimettjerafinanciare/Otherfinancialinvestments
LetramevlertQeveris/ Govermentsecurities
Ttjeraletraborxhi/Otherdebtsecurities
Huatgarantuaramehipoteka/Mortgageloans
Ttjera/Others
C
I.
II.
III.
IV.
D.
I
II
III.
E.
I.
II.
III.
F.
Tdhna/Item
Pjesaeprovigj.teknikterisigurimit
Provigjoneprpriminepafituar/ Provisionforunearnedpremiums
Provigjoneprsiguriminejets/Provisionforlifeinsurance
Provigjoneprdmetpezull/Provisionforoutstandingclaims
Ttjeraprovigjone/Othertechnicalprovisions
Debitorngaveprimt.direkte/Debtorsarisingoutofdirectinsuranceoperations
Policmbajtsit/Policyholders
Ndrmjetsit/Intermediaries
Debitorngaveprimt.risigurimit/Debtorsarisingoutreinsuranceoperations
Ttjer/Others
Aktiveteqndrueshmettrupezuara/Tangibleassets
Gjendjeinventari/Inventory
Mjetemonetare/Cash
Nbank/Onbank
NArk/Onhand
Ttjera/Others

01.01.2010
31.12.2010
42,330 22,100
11,202,477 11,468,807
1,584,037 1,844,565
557,436 560,841
9,061,005 9,063,401
1,554,587 1,625,090

782,273 748,638
6,349,899 6,316,045
2,759 2,228
371,485 371,400
1,293,200 731,149
404,326 193,252

888,874 537,898

1,560,504 1,523,753
914,814 1,164,913
611,398 688,326
303,417 476,586
86,189 78,437
559,501 280,403
1,877,883 3,464,554
673,218 627,514
46,766 50,313
1,157,899 2,786,727
676,281 2,093,712
19,291 15,565
462,327 677,449
250,582 458,281
16,226,977 17,668,645

DetyrimeteShoqrivetSigurimit
000 lek /ALL
Tdhna/Item
A.
I.
II.
III.
IV.
V.
VI.
B.
C.
I.
II.
III.
IV.
IV.
D.
E.
I.
II.
III.
IV.
F.
G.
Kapitalithemeltar/Subscribedcapital
Rezervarivlersimikapitali
Revaluationcapitalreserves
Rezerva/Capitalreserves
Rezervaesiguris/Securityreserve
FitimeosehumbjetmbarturaProfit
orlossbroughtforward
Fitimeosehumbjetushtrimit
Profitorlossforfinancialyear
01.01.2010
31.12.2010
8,545,711 10,015,651
5,800,420 6,818,038
268,458 314,764
904,093 840,533
549,624 649,460
464,574 323,552
558,542 1,069,304

6,229,288 6,172,538
Provigjoneprpriminepafituardheriskunepaskaduar
2,782,777 3,002,167
Provisionforunearnedpremiumsandunexpiredrisk
169,731 229,369
Provigjoneprsiguriminejets/Lifeinsuranceprovision
Provigjoneprdmetepezull
3,268,619 2,937,790

Provigjonebarazimi/Equalizationprovision
8,161 3,211
Ttjeraprovigjone/Otherprovision
Provigjoneprshpenzimedherreziqe
180,605 16,590
Provisionforriskandcharges
Kreditort/Creditors
1,252,648 1,222,036
Kreditorngaveprimtariaesigurimit
242,292 260,455
Creditorsarisingoutofdirectinsuranceoperations
Kreditorngaveprimtariarisiguruese
Creditorsarisingoutofdirectreinsuranceoperations
327,009 186,016
Shumaqdetyrohenprinst.ekreditit
202,060 195,716
Amountsowedtocreditinstitutions
Kreditorttjerprfshirtaksadhesig.shoqrore
481,287 579,848
Othercreditorsincludingtax&socialsecurity
Tardhuratmarranavance
9,830 4,430
8,895 237,400
Pasivettjera/Otherliabilities
16,226,977 17,668,645


SIGURIMIIJETS
LIFEINSURANCE


AktiveteShoqrivetSigurimittJets
AssetsofLifeInsuranceCompanies
000 lek /ALL
Tdhna/Item
A.
B.
D.
E.
F.
I. Tokadhendrtesa/Landandbuildings
Ttjera/Others
I. Provigjoneprpriminepafituar/ Provisionforunearnedpremiums
II. Provigjoneprsiguriminejets/Provisionforlifeinsurance
III. Provigjoneprdmetpezull/Provisionforoutstandingclaims
IV. Ttjeraprovigjone/Othertechnicalprovisions
I Debitorngaveprimt.direkte/Debtorsarisingoutofdirectinsuranceoperations
II Debitorngaveprimt.risigurimit/Debtorsarisingoutreinsuranceoperations
III. Ttjer/Others
I. Aktiveteqndrueshmettrupezuara/Tangibleassets
II. Gjendjeinventari/Inventory
III. Mjetemonetare/Cash
Nbank/Onbank
NArk/Onhand
Ttjera/Others

01.01.2010
31.12.2010

1,738,052 1,728,248
17,039 34,566

1,721,013 1,693,682
271,686 297,224

254,694
1,194,633 1,396,457

33,514 28,507

29,862 28,507
3,652

52,245 137,523
48,575 107,608
48,575 107,608

3,670 29,915
203,696 435,885
26,260 24,765
4,990 6,268
172,445 404,851
72,889 192,184
205 97
99,351 212,570
93,638 142,572
2,121,144 2,472,735

DetyrimeteShoqrivetSigurimittJets
LiabilitiesofLifeInsuranceCompanies
000 lek /ALL
Tdhna/Item
A.
I.
II.
III.
IV.
V.
VI.
B.
C.
I.
II.
III.
IV.
IV.
D.
E.
I.
II.
III.
IV.
F.
G.
01.01.2010
31.12.2010
1,608,242 1,763,314
Kapitalithemeltar /Subscribedcapital
1,278,000 1,283,500
19,547 30,716
23,420 7,858
77,648 170,160
Fitimeosehumbjetmbartura
5,945
Profitorlossbroughtforward
203,682 271,079
443,999 644,313
232,052 356,919
Provigjoneprsiguriminejets/ Lifeinsuranceprovision
169,731 229,369
Provigjoneprdmetpezull
42,216 54,813

3,211
2,231
Kreditort/Creditors
66,672 65,108
27,915 19,544
29,447 16,893
1,127
9,309 27,545


2,121,144 2,472,735


TdhnangaLlogariaTeknike:SigurimiiJets
SelectedDataofTechnicalAccount:LifeInsurance
000 lek /ALL
Tdhna/Item
I
1
2
3
4
II
III
IV
1
1.1
1.2
2
2.1
2.2
V
VI
1
2
Primiifituar/ Earnedpremiums
Primiishkruarabruto/Grosswrittenpremiums
Ndryshiminrezervatprprime
Changeingrossprovisionforunearnedpremiums
PrimiiCeduarnRisigurim/Outwardreinsurance
Ndryshiminerezervatperprimeterisiguruesit
Reinsuranceshareinchangeofprovisionforunearnedpremiums
Tardhuranetongainvestimet/Netinvestmentincome
Tardhurattjerateknikenetongarisigurimi
Othertechnicalincomenetofreinsurance
Dmetndodhura/ Claimsincurred
Dmetepaguaranetongarisigurimi/ Claimspaidnetofreinsurance
Dmetpaguarabruto/Grossclaimspaid
Pjesaerisiguruesitndmettpaguarabruto
Reinsuranceshareingrossclaimspaid
Ndryshiminrezervnprdmenetongarisiguruesi
Changeingrossprovisionforoutstandingclaimsnetofreinsurance
Ndryshiminrezervnprdmebruto/Ghangeinprovisionforoutstandingclaims
Ndryshiminrezervnprdmepjesaerisiguruesit
Reinsuranceshareinchangeofprovisionforoutstandingclaims
Ndryshimiittjerarezervateknikenetongarisigurimi
Changeinothertechnicalprovisionnetofreinsurance
Shpenzimeoperativeneto
Netoperatingexpenses
BILANCIILLOGARISTEKNIKE/BALANCEOFTECHNICALACCOUNT
Raportidmeprimeneto/Netclaimsratio
Raportiishpenzimevetmarrjesnsigurim / Acquisitionexpensesratio
Raportiishpenzimeveadministrative/Administrativeexpensesratio
Raportiishpenzimeve/ Expenseratio
Raportiikombinuar/Combinedratio
REZULTATITEKNIK/TECHNICALRESULT
Tardhurattjera/Otherincome
Shpenzimettjera/Otherexpenses
REZULTATIFINANCIAR/FINANCIALRESULT
Tatimimbifitimin/Incometax
REZULTATIFINANCIARNETO/NETFINANCIALRESULT
Numriishoqrivemerezultatteknikpozitiv
Numberofinsurancecompaniesrecordingtechnicalprofit
Numriishoqrivemerezultattekniknegativ
Numberofinsurancecompaniesrecordingtechnicalloss
Numriishoqrivemerezultatfinanciarpozitiv
Numberofinsurancecompaniesrecordingfinancialprofit
Numriishoqrivetllogarituramehumbjefinanciare
Numberofinsurancecompaniesrecordingfinancialloss

01.01.2010
31.12.2010
478,546
720,787
636,884
848,373
(200,140)
(167,569)
(45,072)
(42,566)
2,972
(1,355)
87,319 97,641
78,371
70,789
79,619
92,965
71,762
71,882
(8,831)
(120)
7,583
21,203
11,235
17,551
(3,652)
3,652
(31)
360,058
376,835
166,365
193,692
201,435
175,400
127,435 264,755
16.38%
24.62%
28.66%
53.29%
69.66%
14.60%
25.00%
21.77%
46.76%
61.36%
127,435 264,755
104,460
4,613
30,651
493
227,282 294,913
23,600
23,834
203,682 271,079

SIGURIMIIJOJETS
NONLIFEINSURANCE


AktiveteShoqrivetSigurimittJoJets
AssetsofNonLifeInsuranceCompanies
000 lek /ALL
Tdhna/Item
I. Tokadhendrtesa/Landandbuildings
Ttjera/Others
C
I. Provigjoneprpriminepafituar/ Provisionforunearnedpremiums
II. Provigjoneprsiguriminejets/Provisionforlifeinsurance
III. Provigjoneprdmetpezull/Provisionforoutstandingclaims
IV. Ttjeraprovigjone/Othertechnicalprovisions
D.
I Debitorngaveprimt.direkte/Debtorsarisingoutofdirectinsuranceoperations
II Debitorngaveprimt.risigurimit/Debtorsarisingoutreinsuranceoperations
III. Ttjer/Others
E.
I. Aktiveteqndrueshmettrupezuara/Tangibleassets
II. Gjendjeinventari/Inventory
III. Mjetemonetare/Cash
Nbank/Onbank
NArk/Onhand
Ttjera/Others
F.
A.
B.

01.01.2010 31.12.2010
42,330 22,100
9,464,425 9,740,559
1,566,998 1,809,999
557,436 560,841
7,339,992 7,369,719
1,282,902 1,327,865

527,579 748,638
5,155,267 4,919,587
2,759 2,228
371,485 371,400
1,259,686 702,643
374,464 164,745

885,222 537,898

1,508,260 1,386,230
866,240 1,057,304
562,823 580,718
303,417 476,586
86,189 78,437
555,831 250,489
1,312,232 3,028,669
646,958 602,749
41,776 44,045
623,498 2,381,875
603,391 1,901,528
19,086 15,468
1,020 464,879
518,899 315,708
14,105,833 15,195,910

DetyrimeteShoqrivetSigurimittJoJets
LiabilitiesofNonLifeInsuranceCompanies
000 lek /ALL
Tdhna/Item
A.
I.
II.
III.
IV.
V.
VI.
B.
C.
I.
II.
III.
IV.
IV.
D.
E.
I.
II.
III.
IV.
F.
G.
Kapitalithemeltar/Subscribedcapital
Fitimeosehumbjetmbartura
Profitorlossbroughtforward
Provigjoneprsiguriminejets/ Lifeinsuranceprovision
Provigjoneprdmetpezull
Kreditort/Creditors

01.01.2010
31.12.2010
6,937,469 8,252,337
4,522,420 5,534,538
248,911 284,047
880,673 832,675
471,976 479,300
458,629 323,552
354,859 798,225

5,785,290 5,528,225
2,550,725 2,645,248

3,226,403 2,882,977

8,161
178,374 16,590
1,185,976 1,156,928
214,377 240,911
297,562 169,124
202,060 194,590
471,977 552,304
9,830 4,430
8,895 237,400
14,105,833 15,195,910

TDhnangaLlogariaTeknike:SigurimiiJoJets
SelectedDataofTechnicalAccount:NonLifeInsurance
000 lek /ALL
Tdhna/Item
I
1
2
3
4
II
III
1
1.1
1.2
2
2.1
2.2
IV
V
1
2
Ndryshiminrezervnprdmebruto/Ghangeinprovisionforoutstandingclaims
Raportiishpenzimeve/ Expenseratio
REZULTATITEKNIK/TECHNICALRESULT
Tardhuranetongainvestimet/Netinvestmentincome
Tardhurattjera/Otherincome
Shpenzimettjera/Otherexpenses
REZULTATIFINANCIAR/FINANCIALRESULT
Tatimimbifitimin/Incometax
REZULTATIFINANCIARNETO/NETFINANCIALRESULT
Numriishoqrivemerezultatteknikpozitiv
Numberofinsurancecompaniesrecordingtechnicalprofit
Numriishoqrivemerezultattekniknegativ
Numberofinsurancecompaniesrecordingtechnicalloss
Numriishoqrivemerezultatfinanciarpozitiv
Numberofinsurancecompaniesrecordingfinancialprofit
Numriishoqrivetllogarituramehumbjefinanciare
Numberofinsurancecompaniesrecordingfinancialloss

01.01.2010
31.12.2010
5,634,428
7,156,544
6,045,972
7,352,089
(254,087)
52,694
(1,276,713)
(1,149,091)
8,684
(209,720)
2,042,160
1,546,082
1,654,086
1,987,822
2,022,628
2,227,030
(108,004)
(204,402)
496,078
(34,806)
665,029
(382,130)
(168,952)
347,324
4,132,488
3,901,562
1,505,904
2,626,585
1,456,980
2,444,582
(540,221)
156,588
36.24%
25.61%
44.67%
70.28%
106.53%
32.88%
23.49%
39.41%
62.90%
95.78%
(540,221) 156,588
445,161 485,942
596,800
276,947
36,810
464,931 919,478
110,071
121,252
354,859 798,225

TESTETIRIS
IRISTESTS
JoJeta
NonLife
31.12.2006
31.12.2007
31.12.2008
31.12.2009
31.12.2010
1 Normaerritjessprimit/Premiumgrowthrate
12.37%
30.63%
18.84%
9.07%
2 Raportiimbajtjesneto/Netretentionratio
89.72%
85.42%
79.50%
82.16%
84.37% 40.00 80.00
3 Raportidmeprimeneto/Netclaimsratio
36.97%
25.87%
25.70%
36.24%
32.88% 50.00 80.00
4 Raportiishpenzimeve/Expenseratio
55.69%
55.94%
67.12%
70.28%
62.90% 25.00 50.00
5 Raportiikombinuar/Combinedratio
92.66%
81.81%
92.82%
106.53%
95.78% 85.00 105.00
7.02%
4.07%
5.82%
7.14%
8.04% 4.00 8.00
7 Raportiikapitalit/Capitalratio
67.40%
62.99%
62.42%
51.92%
69.83% 20.00 50.00
8 Raportiiprovigjoneveteknike/Technicalprovisionsratio
69.85%
77.33%
88.89%
73.52%
96.51% 10.00 30.00
402.77%
460.81%
315.98%
374.43%
439.55% 150.00 300.00
6 Teardhuratngainvestimet/Investmentincome
9 Raportiiaftsispaguese/Solvencycoverage
2.73%
Kufiri/Range (%)
MIN
MAX
500%
350
450%
300
400%
250
350%
200
300%
150
250%
100
200%
50
150%
100%
50
50%
0%
100
0
1
31.12.2006
3
31.12.2007

4
31.12.2008
5
31.12.2009
7
31.12.2010
8
MIN
9
MAX
10
(40.00) 40.00

TDhnanga:LlogariaTeknikeAksidentetdheShndeti
SelectedDataof:TechnicalAccountAccidentandHealthInsurance
000 lek /ALL
T dhna / Item
I
1
2
3
4
II
III
1
1.1
1.2
2
2.1
2.2
IV
V
1
2
Ndryshiminrezervnprdmebruto/Ghangeinprovisionforoutstanding
claims
Raportiishpenzimevetmarrjesnsigurim/Acquisitionexpensesratio
Raportiishpenzimeve/Expenseratio

2006
2007
2008
2009
2010
158,761
172,300
(10,509)
194,873
185,887
9,619
277,475
313,161
(34,126)
364,980
374,878
404,650
457,378
(9,009)
(50,282)
(3,030)
(632)
(1,608)
(1,300)
(1,987)
48
411
(459)
26,031
16,261
16,766
24,327
14,659
14,659
23,899
31,536
31,536
68,569
57,307
57,307
86,871
77,369
77,369
(505)
9,769
9,668
(7,637)
11,262
9,502
7,734
7,669
(9,849)
11,288
9,505
2,036
1,999
2,212
(26)
(3)
(3,678)
9,551
118,376
114,687
211,311
261,777
281,816
37,465
80,911
37,174
77,513
87,036
124,275
103,539
158,237
128,198
153,618
18,033
46,309 42,265 34,635 35,963
16.40%
22.13%
47.80%
69.93%
86.33%
12.48%
20.07%
41.84%
61.91%
74.39%
8.61%
27.94%
39.89%
67.83%
76.44%
18.79%
27.72%
42.36%
70.07%
88.86%
21.47%
28.15%
33.73%
61.88%
83.35%

TDhnanga:LlogariaTeknikeSigurimiMotorrik
SelectedDataof:TechnicalAccountMotorInsurance
000 lek /ALL
T dhna / Item
I
1
2
3
4
II
III
1
1.1
1.2
2
2.1
2.2
IV
V
1
2
claims
Raportiishpenzimevetmarrjesnsigurim /Acquisitionexpensesratio

2006
2007
2008
2009
2010
2,863,828
3,236,865
3,617,149
4,240,383
4,116,423
4,492,721
4,312,296
4,771,034
4,578,536
4,839,858
(218,858)
(318,701)
(65,439)
(135,466)
(38,988)
(205,311)
(283,108)
(340,485)
(294,709)
(180,875)
51,133
(21,425)
29,626
(28,563)
(41,459)
1,119,146
1,083,262
1,160,350
969,483
1,002,346
1,074,557
1,243,635
1,060,683
1,234,646
1,693,547
1,413,945
1,492,335
1,843,812
1,744,910
1,908,595
(77,088)
(72,211)
(173,962)
(78,391)
(163,685)
35,884
(32,863)
182,952
279,602
98,902
306,880
(76,632)
10,667 276,575
(174,544)
(270,996)
43,769
172,285
3,028
273,446
56,449
25,685
(50,000)
2,458,990
2,853,546
2,731,229
1,092,900
1,760,646
1,011,782
1,719,448
56,362 650,538 463,798 (234,797)
3,495
1,631,872
405,013
1,226,858
39.08%
13.36%
40.47%
53.83%
92.91%
1,971,443
541,050
1,430,393
26.80%
13.67%
36.15%
49.82%
76.62%
834,470
1,624,519
30.21%
20.10%
39.12%
59.22%
89.43%
39.27%
24.42%
39.33%
63.75%
103.02%
40.27%
21.72%
36.91%
58.62%
98.89%

TDhnanga:LlogariaTeknikeSigurimiDMTPL
SelectedDataof:TechnicalAccountDMTPLInsurance
000 lek /ALL
T dhna / Item
I
1
2
3
4
II
III
1
1.1
1.2
2
2.1
2.2
IV
V
1
2
claims

2006
2007
2008
2009
2010
1,612,044
1,800,618
2,216,106
2,573,230
2,760,661
2,731,298
2,629,610
2,739,926
2,817,786
2,934,591
(154,155)
(274,678)
47,985
(79,460)
(73,430)
(56,902)
(55,782)
(24,344)
(26,014)
(42,510)
22,483
(26,664)
5,722
(4,842)
(865)
524,402
514,513
514,513
544,568
479,484
479,484
706,530
534,865
534,865
845,933
720,751
720,751
1,009,048
814,247
814,247
9,889
65,084
171,666
125,182
194,801
9,889
65,084
171,666
125,182
292,585
(97,784)
17,068
88,883
(50,000)
892,251
1,186,259
1,366,246
1,633,820
1,716,706
184,962
707,289
313,391
872,868
491,581
874,665
612,583
1,021,237
628,100
1,088,606
178,323 396,395 737,885 149,857 92,032

32.53%
10.61%
40.56%
51.17%
83.70%
24.57%
12.45%
34.67%
47.12%
71.69%
25.59%
18.16%
32.31%
50.47%
76.06%
32.17%
22.57%
37.63%
60.20%
92.37%
35.81%
21.72%
37.64%
59.36%
95.17%

TDhnanga:LlogariaTeknikeSigurimiKartonJeshil
SelectedDataof:TechnicalAccountGreenCardInsurance
000 lek /ALL
T dhna / Item
I
1
2
3
4
II
III
1
1.1
1.2
2
2.1
2.2
IV
V
1
2
claims

2006
2007
2008
2009
2010
470,465
642,935
578,168
792,695
625,623
940,098
738,426
1,046,743
740,777
895,833
(54,575)
637
(82,164)
(18,861)
21,877
(146,545)
(220,126)
(256,474)
(265,449)
(136,637)
28,650
4,963
24,164
(24,007)
(40,296)
353,938
337,045
414,133
189,823
318,669
390,880
263,840
253,021
371,968
356,706
247,024
325,415
375,597
430,210
593,895
(77,088)
(72,211)
(118,946)
(78,391)
(163,685)
16,893 (128,846)
10,819
109,682
(54,613)
287,889 (172,615)
(164,981)
109,853
(425,770)
(270,996)
43,769
175,800
(171)
371,157
36,829
(52,927)
327,075
343,062
495,198
689,555
494,250
97,112
229,963
91,571
251,492
179,847
315,351
302,025
387,530
190,075
304,175
98,210 (133,415)
(307,836)
(129,070)
48.31%
38.66%
49.60%
88.26%
136.56%
50.70%
25.04%
40.07%
65.10%
115.80%
(247,377)
75.23%
19.56%
46.33%
65.89%
141.12%
32.83%
15.99%
43.92%
59.92%
92.75%
42.17%
26.31%
46.13%
72.44%
114.61%

TDhnanga:LlogariaTeknikeSigurimiKufitare
SelectedDataof:TechnicalAccountBorderInsurance
000 lek /ALL
T dhna / Item
I
1
2
3
4
II
III
1
1.1
1.2
2
2.1
2.2
IV
V
1
2
claims

2006
2007
2008
2009
2010
521,123
529,328
495,998
501,852
303,071
323,239
390,501
404,399
420,755
412,123
(8,205)
(5,854)
(20,167)
(13,898)
8,632
35,630
57,757
57,757
25,473
4,052
4,052
(9,458)
2,643
2,643
26,265
11,570
11,570
20,057
39,121
39,121
(22,127)
21,421
(12,101)
14,695
(19,064)
(22,127)
21,421
(12,101)
14,695
(18,822)
(242)
15,135
2,595
259,982
228,655
190,746
241,159
250,215
68,631
191,351
62,334
166,321
47,153
143,592
53,245
187,914
73,595
176,620
210,376
239,275
121,784
123,078
150,483
6.84%
12.97%
36.15%
49.12%
55.95%
5.14%
12.42%
33.14%
45.56%
50.70%
3.12%
14.59%
44.42%
59.01%
55.89%
6.73%
13.17%
46.47%
59.63%
66.36%
4.77%
17.86%
42.86%
60.71%
65.48%

TDhnanga:LlogariaTeknikeSigurimiKasko
SelectedDataof:TechnicalAccountCascoInsurance
000 lek /ALL
T dhna / Item
I
1
2
3
4
II
III
1
1.1
1.2
2
2.1
2.2
IV
V
1
2
Dmetpaguarabruto /Grossclaimspaid
claims

2006
2007
2008
2009
2010
260,196
263,984
326,876
372,606
427,067
498,086
553,759
579,966
599,218
597,311
(1,923)
(38,806)
(11,092)
(23,247)
3,932
(1,864)
(7,200)
(59,667)
(3,246)
(1,728)
277
(260)
285
(297)
205,023
173,794
173,794
209,618
200,141
200,141
282,724
270,154
325,171
464,643
434,599
434,599
439,110
461,332
461,332
(55,016)
31,230
9,477
12,569
30,044
(22,222)
31,230
9,477
16,084
26,846
(22,538)
(3,515)
3,198
316
(12,103)
(12,866)
152,563
213,467
406,799
289,012
270,058
54,308
98,255
73,755
139,712
115,889
290,911
125,047
163,965
120,011
150,047
(85,288) (83,342) (262,456) (199,896) (109,950)

78.80%
20.72%
37.48%
58.20%
137.00%
64.13%
20.18%
38.23%
58.42%
122.55%
66.20%
26.43%
66.35%
92.79%
158.99%
83.91%
21.68%
28.43%
50.11%
134.02%
73.28%
20.15%
25.19%
45.34%
118.62%

TDhnanga:LlogariaTeknikeMarin,AviaciondheMallranTransport
SelectedDataof:TechnicalAccountMarine,AviationandTransportInsurance
000 lek /ALL
T dhna / Item
I
1
2
3
4
II
III
1
1.1
1.2
2
2.1
2.2
IV
V
1
2
PrimiiCeduarnRisigurim/ Outwardreinsurance
claims

2006
2007
2008
2009
2010
19,096
99,281
32,993
80,416
28,196
106,078
76,608
267,148
33,506
267,041
(14,022)
7,192
(326)
(64,815)
60,444
(56,686)
(43,076)
(9,477)
(11,539)
5,624
62,687
(62,975)
7,355
7,355
7,481
1,846
1,846
1,846
8,359
(807)
203
19,452
1,237
1,237
6,809
3,404
3,404
(126)
(1,010)
9,166
18,215
3,405
11,243
18,061
3,405
(2,078)
154
(34,866)
(12,216)
32,157
34,468
34,777
106,783
32,290
7,039
25,117
5,367
29,101
8,901
25,876
7,633
99,150
6,465
25,824
8,895 (14,939) (49,627)
(5,593)
14,450
38.52%
16.53%
58.97%
75.49%
114.01%
5.60%
14.37%
77.94%
92.31%
97.91%
(83,180) (188,413) (231,004)
29.65%
38.87%
113.01%
151.88%
181.52%
25.39%
9.70%
125.93%
135.62%
161.01%
20.32%
17.94%
71.66%
89.60%
109.92%

TDhnanga:LlogariaTeknikeZjarridheDmetTjeranPron
SelectedDataof:TechnicalAccountFireandOtherDamagetoPropertyInsurance
000 lek /ALL
T dhna / Item
2006
I
1
2
3
4
II
III
1
1.1
1.2
2
2.1
2.2
IV
V
1
2
Ndryshiminrezervnprdmebruto/Ghangeinprovisionfor
outstandingclaims

2007
2008
2009
2010
430,487 334,272 441,981 443,397 512,348

468,944 583,211 698,741 785,683 1,063,551
64,854
(77,200)
(69,854)
(102,629) (231,270) (224,995) (289,921)
(494,379)
(682)
(23,918)
6,248
(46,532)
14,767
24,834
13,030
141,936
36,520
39,988
(25,931)
49,637
104,013
170,194
133,473
218,344
163,070
61,274
76,205
21,050
135,822
176,356
(3,468)
(54,377)
(84,871)
(14,931)
(40,533)
105,416
(75,567)
36,721
101,797
(114,772)
261,835 (108,522)
(96,275)
275,127
(236,120)
132,996 (173,330)
121,348
(156,419)
32,954
(203,787)
21,963
(4,000)
213,473
324,786
396,960
456,465
561,740
71,525
141,948
104,418
220,368
163,115
233,844
199,555
256,910
223,521
338,219
13,453 (121,172) (176,138)
(70,442)
7.76%
29.67%
62.62%
92.28%
84.53%
4.11%
39.27%
59.42%
98.69%
102.80%
278,865
32.97%
19.53%
38.75%
58.28%
91.25%
38.51%
34.43%
49.36%
83.79%
122.30%
36.78%
40.25%
51.82%
92.07%
128.85%

TDhnanga:LlogariaTeknikePrgjegjsitPrgjithshme
SelectedDataof:TechnicalAccountGeneralLiabilityInsurance
000 lek /ALL
T dhna / Item
I
1
2
3
4
II
III
1
1.1
1.2
2
2.1
2.2
IV
V
1
2
claims

2006
2007
2008
2009
2010
64,310
134,854
54,868
323,011
67,538
776,238
149,209
658,423
298,976
503,128
(2,213) (114,424) (141,774)
43,842
141,847
(68,035) (248,903) (694,742) (502,371) (220,665)

(297)
95,183
127,817
(50,685) (125,334)
20,174
19,981
20,986
32,908
292
292
(53,643)
(18,582)
3,947
49,510
10,566
25,248
(36,358)
1,504
1,504
(1,005)
(22,530)
(14,682)
193
32,616
(35,061)
38,943
(37,862)
2,282
24,057
(16,549)
37,721
8,346
(2,088)
8,560
(18,512)
1,222
(46,208)
(6,562)
(13,677)
52,095
123,521
280,829
247,708
191,377
10,446
41,649
10,509
113,012
40,050
240,778
47,878
199,830
53,526
137,851
(1,398) (87,884) (159,647) (148,008)
143,957
31.37%
15.63%
62.33%
77.96%
109.33%
59.98%
14.18%
152.49%
166.67%
226.65%
79.43%
49.14%
295.45%
344.59%
265.17%
33.18%
30.68%
128.05%
158.73%
191.92%
12.16%
18.95%
48.80%
67.75%
55.59%

TDhnanga:LlogariaTeknikeKreditidheGarancia
SelectedDataof:TechnicalAccountCreditandSuretyshipInsurance
000 lek /ALL
T dhna / Item
I
1
2
3
4
II
III
1
1.1
1.2
2
2.1
2.2
IV
V
1
2
claims

2006
2007
2008
2009
2010
132,492
127,118
113,773
125,167
152,107
174,307
215,897
227,337
162,759
165,937
5,374
(11,170)
(22,200)
(11,440)
9,526
(223)
(20,182)
7,478
41,867
29,884
29,884
122,050
54,361
54,361
(22,892)
37,250
37,250
47,570
1,312
1,312
51,637
45,619
45,802
(183)
11,983
67,690
(60,142)
46,258
6,018
11,983
67,690
(60,142)
46,258
7,278
(1,260)
(59,466)
4,768
70,221
77,570
118,365
141,704
81,647
23,173
47,048
21,468
56,103
39,812
78,553
54,398
87,307
33,487
48,159
79,870 (90,615)
56,634
26,622
29,476
31.60%
18.23%
37.01%
55.24%
86.84%
15.05%
22.84%
45.07%
67.91%
52.86%
22.03%
23.93%
38.40%
62.33%
84.37%
31.73%
22.98%
33.04%
56.02%
87.74%
107.28%
17.18%
44.90%
62.08%
169.36%

IndeksiItermave
ShoqriCedueseShoqrisigurimesherisiguruarnganjshoqritjetrsigurimesh
CedimiirisigurimitVeprimaritelidhurametransferimineriskut.
CesionarRisiguruesqepranontransferimineriskutdhe/oseriskunsiprgjegjsittijn.
FondiiGarancisFondibarabartmevlernmtlarttnjttretstmarzhittkrkuartaftsispaguesedheshums
minimaletfondittgarancisprdegtdheklasatesigurimit.
Kapitalidherezervat Shumaetgjithafondevetvendosurandisipoziciontshoqrisssigurimevengaaksionertesaj.
Kjodotgarantojvazhdimsindhelikuiditetineoperacioneve(veprimeve)tndrmarrangashoqriaesigurimeve,sidhe
mbulimineshpenzimeveoperacionaledhetkreditorvetshoqris,dhenveantitmbulimittllogarivefinanciare
negativetvititraportues.
Kapitalitdherezervatdotkonsistojnn:
I)Kapitaliinnshkruar(Themeltaroseindividual)
II)RezervarivlersimitKapitalit
III)Rezervat
IV)Rezervaesiguris
V)Fitimi/humbjetembartura
VI)Fitimi/humbjetevititfinanciar
Kapitaliaksioner Nukmundtjetmivoglseminimumiifondittgarancisikrkuarprklasatesigurimitntcilat
shoqriaesigurimitvendase,kaautorizimprtushtruaraktivitetsigurimi.
ShpenzimeAdministrative Kostoeshpenzimeveoperativeqnukjanprfshirnkostotemarrjesnesigurim,pagesatpr
dmedheinvestimettlidhuramembledhjeneprimeve,manaxhimineportofolittkontratavetsigurimit,kontratavet
risigurimitdhenjmanaxhimtprgjithshmtmarrjesnsigurim,dukeprfshir:amortizimindheshpenzimete
mirmbajtjesszyravedhetrojevedhendrtesavetprdoruaraprqllimetvetjake,shpenzimetperpostedhe
telekomunikacion,shpenzimetprshrbimetetjera,shpenzimetematerialevetkonsumittprditshm(energjidhe
materiale),amortizimiiasetevettrupzuaradhepatrupezuara,pagat,shpenzimeudhtimidhereklamashdukeprjashtuar
kostotereklamaveqlidhenmeprodukteteesigurimit.
Kostotemarrjesnesigurim Kostotlidhuramennshkrimindherinoviminekontratavetsigurimitdukeprfshirkostot
direkte,sijan:komisionetepaguaraagjentve(ndrmjetsve)nsigurime,sbashkumepagatdhembishpenzimete
punonjsvetmarrjesskontratssrisigurimit,kostoteekzaminimevemjeksore,kostoteertifikatavedheekspertizaveper
vleresimineriskuttsigurimit,dhekostotindirekte,sijan:kostotereklamavedhepromovimeveteproduktevetesigurimitsi
dheshpenzimetepergjithshmetelidhurameverifikimineaplikimevedheleshiminepolicave.
Shpenzimetoperativeneto Shumaekostovetmarrjesnesigurimdheshpenzimeveadministrativetreduktuaranga
komisioneterisigurimitdhepjesmarrjanfitim.
Investimeafatshkurtrainvestimetcilat,sipasshkallsselikuiditetit,realizohenbrendanjperiudhemtshkurtrsenj
vitdheqshoqriaesigurimitkasisynimtarealizojbrendaperiudhsnfjal.
Investimeafatgjata investimetcilatnukjaninvestimeafatshkurtra.
Investimetehuaja JaneinvestimetekryerajashteterritoritteShqiperise
Marzhiikrkuariaftsispaguese marzhiminimalidisponueshmiaftsispaguese(fondetevetaosekapitaliivet)t
cilinnjshoqrisigurimiduhettazoterojenenjefaztcaktuartushtrimittbiznesittsaj.
Minimumiifondittgarancis shtnjshumfikseqeprcaktonnjvlerminimaletfondittgarancistedetyrueshm,
qngamomentiifillimittbiznesittsigurimevederinmomentinekalimitnenjetjeternivel,meqellimsigurineeushtrimit
teveprimtarisesiguruese.
Fondiminimaligarancisduhettvaretngaformaligjoreeshoqrissesigurimeve,edegsssigurimevedheklasss
sigurimevebrendasecilsdeg.
Humbjetparealizuarangainvestimetprbndiferencnnegativendrmjetvlersnbilancdhevlerssblerjes(kostoe
krijimit)tinvestimeve,dhenrasttinvestimevetrivlersuaramparrespektivishtvleraerivlersuarespecifikuarn
fillimtperiudhsraportuese,dukeprjashtuarnjdiferencnegativetrivlersimitmbiinvestimettprfshirnkapital
dherezerva.


Fitimeteparealizuarangainvestimetprbjndiferencnpozitivendrmjetvlerssbilancitdhevlerssblerjes(kostoss
krijimit)tinvestimeve,dhenrasttinvestimevetrivlersuaramparvleraerivlersimitrespektivdukeprjashtuarnj
diferencpositivetrivlersimitmbiinvestimettprfshirnkapitaldherezerva.
Dmebruto Dmepaperfshirepjesnqeiprketrisiguruesit
Dmenetongarisigurimi Dmeqperfshijnepjesnepaguarngarisiguruesit
Shpenzimetprdmetnetongarisigururesi klasifikohensipasgrupevetsigurimitdukeparaqiturshumnbrutominus
shumnerisigurimeve.Shpenzimetprdmetprfshijnvlernekompensimitprdminendodhurdheshpenzimetetrajtimit
tdmit.Vleraekompesimitprdminendodhurshtshumaqprfitojnpersonatesiguruarnrastinendodhjess
dmit.Nshpenzimetetrajtimittdmitprfshihenshpenzimetebrendshmeosetjashtme,qlidhenmetrajtiminerastitt
sigurimit,llogaritjenevlerssdmit,shpenzimetgjygjsoredheshpenzimetprekspert.
Periudharaportuese shtperiudhaeprcaktuarnpasqyratfinanciaretshoqrivetsigurimit.
Shpenzimetetjeraoperative dotperfshijn:
1Shpenzimeprpersonelin
1.1Pagat
1.2Trajtimeeshprblimettjera
1.3Sigurimeshoqroreetngjashme
2Furnizimeeshrbimenttret
3Tatimeetaksattjeratngjashme
4Amortizimiiaktiveveqprdorennveprimtarinesigurimit
5Shpenzimettjeraoperative
Risigurimi prsritjaosendarjaemtejshme(transferim)eriskutmidisshoqrivetesigurimit.Risigurimimundtjetnj
marrveshjesipasscilsnjshoqrisigurimi,referuarsishoqriceduese,transferonnjpjesapotgjithriskunosegrupin
erisqevetsiguruar,tnjllojitcaktuar,mepjesnprkatsetprimit,njshoqrietjetrsigurimesh,referuarsirisiguruesi,
icilimerrprsiprtipaguajshoqrisceduesepjesnprkatesetdmshprblimevepaguarpalvetsiguruara.
Risiguruesishoqriaesigurimitqofronmbuliminmerisigurim.
Rekursiisigurimit krkesaprrekursqshoqriaesigurimitkatdrejt,nlidhjemepaltetretaqjanprgjegjsepr
dmin,humbjenosedmtimettrupore,oseaksidentetprtcilnshoqriaesigurimitkapaguardmshprblim.Vleraedmit
qkalonnrekursduhettjeteprfshirnshumnepaguartdmshprblimit.
Provigjoniteknikidmeve Kyprovigjonteknikprfshinprovigjoninteknikprdmeteraportuaraportprcaktuaraoset
paprcaktuara(dmthatodmeprtcilatnukshtprcaktuarprfundimishtmasaedmitaposhtprcaktuarpoende
papaguar),dheprovigjoninteknikprdmetendodhuraportparaportuara.Provigjoniteknikprdmetendodhuraport
paraportuarashkurtimishtposhnohetIBNR(terminologjieprdorurnliteratur).
Provigjoniteknikprbaraziminedmeve Kyprovigjonteknikkaprqllimtzbusluhatjetemedhangavitinvitn
ekspriencenedmeve.Teorikisht,dmetshumtmdhajanngjarjetrrallaporqdotndodhin,sirrjedhimpanj
provigjonteknikttillllogariteshoqrismundtrezultojnshumtrregullta.
Shoqritesigurimitduhett'iformojnprovigjonetteknikennjmasttill,qtmbulojnprgjegjesite
parashikueshme,prtprmbushurvazhdimishtdhenmnyrtqndrueshmedetyrimetqshfaqenngarreziqete
patransferuaranrisigurim.
Nrastinebashksigurimit,paltqmarrinpjesnbashksigurim,duhett'indrtojnprovigjonettekniketsigurimeven
njmasttill,qt'iukorrespondojndetyrimeve
Provigjonetteknike krijohenprtmbuluardetyrimeaktualedhetpritshmeqdotrrjedhinngapolicatesigurimit.
Provigjonetteknikejantprbranga:provigjoneprprimetpafituara,provigjoneprriskunepaskaduar,provigjonepr
dmepezull,dukeprfshirprovigjoneprkapitalizimineanuiteteve,provigjonetbarazis,provigjonetesigurimittjets,
provigjonetteknikeprpolicatesigurimittjetskurriskuiinvestimitmbahetngapolicmbajtsi,provigjoneprbonusedhe
rabate,provigjoneprprimetripaguaradheprovigjonettjerateknike.


Shoqritesigurimevetmbulojnprovigjonetetyreteknikedhematematikevetmmekategoriteaktiveve,t
prcaktuarasimposht:
Letratmevlerdheobligacionetqkrijojnapovrtetojnborxhineemetuardhegrantuarngaorganeteqeverisjesqendrore
nRSh;
Ttjeraletraborxhimetardhurafikse;
Aksionenfondeinvestimesh,brendaterritorittR.SH;
Aksionetlistuaradhetpalistuaratshoqrivetregtare;
Aksionenshoqrisigurimidheshoqririsigurimi,vetmmemiratimtAutoritetit;
Toka,ndrtesadhetdrejtambipasuritpatundshmenR.Sh
Krediindividualehipotekoreprapartamentebanimivetmprpunonjsiteshoqrisssigurimit;
ertifikatadepozitashdheletrattjeramevler,tlshuarangabankatlicensuarangaBankaeShqipris;
Depozitabankare;
Shumatqdetyrohenngarisiguruesit;
Pjesnerisiguruesitnprovigjonetteknike;
Depozitameshoqriceduese;
Shuma,qdetyrohenngapolicmbajtsitdhendrmjetsit,eqrrjedhinngaveprimtariaesigurimeve,n.q.sngaditae
detyrimittpagessnukkankaluarmshumse3muaj;
Krkespagesa,qrrjedhinngapjesteshptuaradhesubrogimet,tcilatnukjanpezullmshumse1vit;
Interesadheqeratmaturuara,tardhurattjeratmaturuaradheshpenzimetparapaguara;
Aktivetqendrueshmettrupzuara,prvectoksdhendrtesave,tvlersuarnbaztnormavetamortizimit.


IndexofTerms
CedingundertakingInsuranceundertakingreinsuredbyanotherinsuranceundertaking.
ReinsurancecessionOperationsrelatedtothetransferofarisk.
CessionaryReinsurerwhoacceptsacessionand/orriskonhisownresponsibility.
GuaranteefundFundequaltothehighervalueofonethirdoftherequiredsolvencymarginandtheminimumamountof
guaranteefundforinsurancebranchesandclasses.
Capitalandreservessumofallfundsplacedataninsuranceundertakingsdisposalbyitsshareholders.Itshallguarantee
thecontinuityandliquidityofoperationsperformedbytheinsuranceundertaking,aswellascoveringofoperatingexpenses
andanycreditorsoftheinsuranceundertaking,andinparticularcoveringofnegativefinancialaccountsinthereportingyear.
Capitalandreservesshallconsistof:
I)Subscribedcapital
II)Revaluationcapitalreserves
III)Capitalreserves
IV)Securityreserve
V)Profitorlossbroughtforward
VI)Profitorlossforfinancialyear
SubscribedcapitalCannotbelowerthanthehighestminimumguaranteefundrequiredfortheinsuranceclassesinwhich
thedomesticinsuranceundertakingpossessesauthorizationtoperforminsuranceactivity
AdministrativeexpensesCostsofoperatingexpensesnotincludedinacquisitioncosts,claimsandinvestmentcharges
relatedtocollectionofpremiums,managementoftheportfolioofinsurancecontracts,reinsurancecontractsandageneral
managingoftheinsuranceundertaking,including:amortizationandexpensesonmaintenanceofofficesandlandand
buildingsusedforownpurposes,postalandtelecommunicationscosts,extraneousservicesexpenses,expenseson
consumables(energyandmaterials),amortizationoftangibleandintangibleassets,remunerationwithsurcharges,traveling
andadvertisingexpensesexcludingcostsofadvertisingrelatedtoinsuranceproducts.
AcquisitioncostsCostsrelatedtoconcludingandrenewinginsurancecontractsincludingdirectcosts,suchas:commissions
paidtoinsuranceintermediaries,remunerationswithsurchargesforacquisitionemployees,costsofmedicalexaminations,
costsofcertificatesandexpertisetoassesstheinsurancerisk,costsofissuingofpolicies,costsofincludingthecontractinthe
portfolio,andindirectcosts,suchas:costsofadvertisingandpromotionofinsuranceproductsandgeneralexpensesrelated
toverificationoftheapplicationsandissuingofthepolicies.
NetoperatingexpensesSumofacquisitioncostsandadministrativeexpensesreducedbyreinsurancecommissionsand
profitparticipation.
Shortterminvestmentsinvestmentswhich,withrespecttotheirdegreeofliquidity,mayberealisedwithinaperiod
shorterthanoneyearandwhichaninsuranceundertakingintendstorealisewithinsuchperiod
Longterminvestmentsinvestmentsotherthanshortterminvestments
ForeigninvestmentsinvestmentsmadeoutsidetheterritoryofAlbania
Requiredsolvencymarginminimumavailablesolvencymargin(ownfunds)whichaninsuranceundertakingshouldhaveata
givenstageofconductingitsbusiness.
Minimumguaranteefundisafixedamountwhichdeterminesaminimumvalueoftheguaranteefundbindingfromthe
momentofstartingtheinsurancebusinessuntilexceedingasubsequentthresholdrelatedtothesecureconductingofsuch
business.
Theminimumguaranteefundshalldependonalegalformoftheinsuranceundertaking,insurancebranchandinsurance
classeswithineachbranch
Unrealisedlossesoninvestmentsshallconstitutenegativedifferencebetweenabalancesheetvalueandpurchasevalue
(creationcost)ofinvestments,andincaseofinvestmentspreviouslyrevaluedrespectivelyrevaluationvaluespecifiedatthe
beginningofthereportingperiod,excludinganegativedifferenceofreadjustmentoninvestmentsincludedincapitaland
reserves.


Unrealisedgainsoninvestmentsshallconstitutepositivedifferencebetweenbalancesheetvalueandpurchasevalue
(creationcost)ofinvestments,andincaseofinvestmentspreviouslyrevaluedrespectivelyrevaluationvalueexcludinga
positivedifferenceofreadjustmentoninvestmentsincludedincapitalandreserves.
Grossclaims claimswithouttheshareofreinsurers.
Claimsnetofreinsuranceclaimswiththeshareofreinsurers
Claimsexpensesnetofreinsuranceareclassifiedaccordinginsurancegroupbydelivergrosssumminusreinsurance
sum.Expensesforclaimsincluderecompensesvaluefortheoccurclaimandexpensesforclaimstreatment.Recompenses
valuefortheoccurclaimisthesumthatinsurepersonsprofitincaseofclaimoccur.Inclaimstreatmentareincludeoutside
andinsideexpenses,connectedwithinsurancecasetreatment,courtexpensesandexpensesforexperts
Reportingperiodperiodcoveredbyafinancialstatementoftheinsuranceundertaking
Otheroperatingexpensesshallcomprise:
1Personnelexpenses
1.1Wages
1.2Otherrecompenses
1.3Socialsecurities
2Servicesfromthirdparties
3Taxesandother
4Amortizationofassetswhichareusedininsuranceactivity
5Otheroperatingexpenses
Reinsurancerepeatedorfurtherdivision(transfer)oftheriskbetweeninsuranceundertakings.Reinsuranceshallbean
agreementaccordingtowhichoneinsuranceundertaking,referredtoasacedingundertaking,cedesawholeorapartofthe
riskorriskgroupinsuredofaparticularkind,witharelevantpartofpremiums,toanotherinsuranceundertaking,referredto
asareinsurer,whichundertakestopaytothecedingundertakingarelevantpartofclaimspaidtotheinsuringparties.
Reinsurerinsuranceundertakingwhichshallprovidethereinsurancecoverage.
Insurancerecourserecourseclaimtowhichtheinsuranceundertakingshallbeentitledwithrespecttothirdpartiesliablefor
thedamage,lossorinjury,oraccidentforwhichtheinsuranceundertakingpaidaclaim.Recourseclaimshallbevestedtothe
amountoftheclaimpaid.
ClaimsTechnicalProvisionThistechnicalprovisionincludesthetechnicalprovisionofreportedclaims,whichcanbesettled
orunsettled(i.e.,theseclaims,forwhichtheamounthasnotbeenfinallysettledor,theseclaims,forwhichtheamountithas
alreadybeensettled,butnotyetpaid),andthetechnicalprovisiononincurredbutnotreportedclaims,theacronymofwhich
isIBNR(terminologyappliedinnonlifeinsuranceliterature).
TechnicalProvisionforClaimsEqualizationthepurposeofthisprovisionistoamortizethegreatvariationsfromyearto
yearinclaimexperience.Intheory,largeclaimsarerareevents,butwhichcanoccur,thuswithouttechnicalprovisions
insurancecompany'saccountsmayresultverydistorted.Insurancecompanieshavetomaintaintechnicalprovisionstothe
extenttheycancoverforeseenliabilities,andtofulfillconstantlytheobligationsthatemergefromrisksuntransferredto
reinsurance.Incaseofcoinsurance,thepartieswhichtakeparthavetosetuptechnicalprovisionstotheextent
correspondingtotheirrespectiveobligations.
Technicalprovisionmeansasumcalculatedinreliancetoanexpectationandinaccordancewiththesetways,whichis
preservedintheaccountoftheinsurerinordertocovertheliabilitiesarisingfrominsurancecontracts.Thetechnical
provisionsshallbemadeupof:Provisionforunearnedpremiums,Lifeassuranceprovision,Outstandingclaimsprovision,
Provisionforbonusesandrebates,Equalizationprovision,Othertechnicalprovisions


Insuranceundertakingsshallcovertheirtechnicalandmathematicalprovisionsonlythroughthecategoryofassetsbelow
mentioned:
Securitiesandbondsthatcreateorcertifythedebt,issuedandguaranteed,bythecentralgoverningbodiesoftheRepublic
ofAlbania;
Otherfixedincomedebtsecurities;
Sharesoninvestmentfunds,insidetheterritoryoftheRepublicofAlbania;
Listedandunlistedsharesofthecommercialundertakings;
Sharesintheinsuranceandreinsuranceundertakings,onlywiththeapprovaloftheAuthority;
Land,buildingsandrightsonrealestateintheRepublicofAlbani;
Mortgageloansonlyfortheinsuranceundertakingemployees;
CertificatesofdepositsandothersecuritiesissuedfrombankslicensedbytheBankofAlbania;
Bankdeposits;
Amountsduefromreinsurers;
Reinsurersshareintechnicalprovisions;
Depositswithcedingundertakings;
Amountsduefrompolicyholdersandinsuranceintermediaries,derivingfromtheinsuranceactivity,iffromtheduepayment
dateshavenotlapsedmorethan3months;
Amountsduearisingoutfromsubrogationsandsalvagevalues,whicharenotoutstandingformorethan1year;
Accruedinterestsandrentals,otheraccruedincomeandprepaidexpenses;
Tangibleassets,otherthanlandandbuildings,Valuationinaccordancewithamortizationnorms.


Shnimesqaruese
Burimiitdhnavedhebazaeprgatitjes
Prprpiliminetabelavetktijpublikimijanprdorurpasqyratfinanciarevjetore(bilancet,llogaritfitimhumbje,llogarit
teknikedheprovigjonettekniketmiratuarangaBordiiAMF)tshoqrivetsigurimit,tmiratuaraparaprakishtngaekspertet
kontabltautorizuar.Ktopasqyraprbjnbaznetdhnavetprdoruaraprktpublikim.Shoqritesigurimitkan
detyrimligjortraportojnktopasqyranbaztUdhzimitprlistnedokumentevetllogaridhniessdetyruarvjetoree
periodiketshoqrivetsigurimiterisigurimitMiratuarmevendimineBordittAMFnr10,dat08.02.2007.Npublikimjan
paraqiturtdhnatdetajuaranlidhjemeaktivet,detyrimet,rezultatinteknik,indaredhesipasportofoleve,aktivetnmbulim
tprovigjoneve,strukturneprovigjoneveteknike,treguesitteknikofinanciar,tdhnangallogariateknikeeportofoleve
kryesor,etj,tndaraedhesipasllojittsigurimeveJetdheJojetsidheprtregunntotal.Prtpasurnjbazkrahasimidhe
prtdhntendencnetreguttsigurimevenvendjanprdorurtdhnatviteve2006,2007,2008,2009dhe2010.
TdhnatprprgatitjenektijraportijanprpunuarnprograminExcel.RaportiiMbikqyrjesmundteshikohetngajuiafishuar
nformat.pdfdhe.xlsnfaqenzyrtaretAMFwww.amf.gov.al.
TdhnateprdoruranktpublikimbazohennraportimetevetshoqrivetsigurimitpranAMF,sipasformatitt
prcaktuarnUdhziminprlistnedokumentevetllogaridhniessdetyruarvjetoreeperiodiketshoqrivetsigurimite
risigurimitMiratuarmevendimineBordittAMFnr10,dat08.02.2007.
KopjetpaplotsuaratktyrepasqyravemeudhzimetprkatsejantdisponueshmenfaqenzyrtaretinternetittAMF.
AktivetnmbulimtprovigjoneveteknikepublikohenpasanalizsfinanciaretshoqrivetsigurimitngaAutoriteti.
ProduktiiPrgjithshmBrutoshtemarrngaBankaeShqipris,RaportiVjetor2010.
ShoqriaInsigshashteliensuarpraktivitetinejetsdhejojetsprefektanalize(bazuardhenraportimineshoqriss
sigurimit)ajoshtndarsishoqrimvetenveprimtarinejojetsdhetjets.
ShoqriaSigalUniqaGroupAustriakarriturkapitalinthemeltarndhjetortvitit2010,BordiIAutoritetitekamiratuarm
13.01.2011.Kjorritjekapitalishtmarrnkonsideratenanaliznfinanciaretksajshoqrie.
Explanatorynotes
Sourceofdataandbasisofpreparation
Theannualfinancialstatements(balancesheets,profitandlossaccounts,technicalaccountsandtechnicalprovisionsrevisedbythe
AlbanianFinancialSupervisoryAuthorityBoard)oftheinsuranceundertakingsapprovedaccordinglybythecertifiedaccountants
wereusedfordraftingthetablesofthispublication.Thesestatementscomprisethedatabaseusedforthispublication.The
insuranceundertakingsaresubjecttotheobligationofreportingthesestatementsbasedontheGuidelineonthelistoftheregular
annualmandatoryaccountabilitydocumentsoftheinsuranceandreinsuranceundertakings.Theguidelinewasadoptedupon
AlbanianFinancialSupervisoryAuthorityBoardDecisionNo.10,date08Feb2007.Thispublicationincludesapresentationof
detaileddataabouttheactivities,obligationsandtechnicaloutcome,whichhavebeenorganizedaccordingtotheportfolios,assets
coveringtechnicalprovisions,structureoftechnicalprovisions,technicalandfinancialindicators,datafromthetechnicalaccountof
theprimaryportfolios,etc.Theyhavebeenorganizedalsoaccordingtolifeandnonlifetypeofinsurance,aswellas,forthemarket
asawhole.Datafrom2006,2007,2008,2009and2010wasusedtostudytheinsurancemarkettrend,having2006asabenchmark.
DataforthepreparationofthisreportareprocessedthroughExcelprogram.ThesupervisionreportcanbeaccessedviaAlbanian
FSAofficialwebsite,www.amf.gov.alinboth.pdfand.xlsformat,respectively.
DatainthispublicationaresourcedfromstatisticalreturnssubmittedtoAFSAbyauthorisedInsurancecompanies,underthe
GuidelineofannualandperiodicstatutoryreportingofinsuranceandreinsurancecompaniesApprovedbytheBoardofthe
Authorityunderdecisionnr10,08.02.2007.
BlankcopiesofthereturnsandassociatedinstructionsareavailableontheAFSAwebsite.
AssetscoveringtechnicalprovisionarepublicateafterfinancialanalysisofinsurancecompaniesfromAuthority.
GrossDomesticProductissoursedfromBankofAlbania,AnnualReport2010.
Insigshacompositecompanycarryingbothlifeandnonlifeinsurancebusiness,butforanalyticalpurpose(accordingtothe
companystatementsaswell)itislifeandnonlifeactivitytreatedseparatelyfor.
1SigalUniqaGroupAustriaCompanyhasraisedcapitalinDecember2010,theAuthorityBoardhasapprovedon13.01.2011.This
capitalincreaseistakenintoaccountinfinancialanalysisofthiscompany.


Raport I Mbikëqyrjes 2010

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Raport I Mbikëqyrjes 2010

Uploaded by

Copyright:

Available Formats

RAPORTI I MBIKQYRJES 2010

SUPERVISION REPORT 2010

Drejtoria e Krkimeve dhe Statistiks, Autoriteti i Mbikqyrjes Financiare

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

Vlera (n mij Lek)

AMF - Departamenti i Krkim, TI dhe Statistiks

Value (in thousand Leks)

RAPORTI I MBIKQYRJES 2010

Vlera (n mij Lek)

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

Disa Karakteristika mbi Tregun e Sigurimeve

0.51 0.61 0.65 0.69 0.67

6.25 5.91 6.08 3.52 6.31

Grafik : Trendi i Treguesve Kryesor t Rentabilitetit (n %)

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

Aktivi dhe Pasivi

(47.79) 0.26 0.13

2.38 69.04 64.91

84.49 11.57 19.61

82.89 1.54 2.59

16,226,977 17,668,645 8.88 100.00 100.00

Provigjonet teknike / Technical provisions

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

163.23 2.46 5.56

52.26 4.41 5.77

2,121,144 2,472,735 16.58 100.00 100.00

14,105,833 15,195,910 7.73 100.00 100.00

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

Grafik : Aktivet sipas Shoqrive t Jets 31.12.2010

Grafik : Pasivi sipas Shoqrive t Jets 31.12.2010

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

1,738,052 1,728,248 (0.56) 100.00 100.00 (9,804)

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

2.65 16.27 14.66

4.36 8.31 7.84

6.26 13.39 12.55

AMF - Departamenti i Krkim, TI dhe Statistiks

RAPORTI I MBIKQYRJES 2010

3.71 2,782,777 3,002,167

35.14 169,731 229,369

45.12 5,785,290 5,528,225

(4.44) 6,229,288 6,172,538