| Claims and change in provisions in non-life insurance | 1 January - 31 December 2013 | 1 January - 31 December 2012 |
|---|
| Gross claims and change in provisions in non-life insurance |
5 250 037 |
5 776 295 |
|---|
| Claims and claims handling expenses for the current period |
2 876 867 |
3 186 582 |
|---|
| Claims and claims handling expenses for previous periods |
1 601 198 |
1 502 148 |
|---|
| Change in provision for claims outstanding |
771 972 |
1 087 565 |
|---|
| Reinsurers’ share in claims and change in provisions in non-life insurance |
(33 889) |
(152 446) |
|---|
| Claims and claims handling expenses for the current period |
(9 973) |
(32 034) |
|---|
| Claims and claims handling expenses for previous periods |
(266 072) |
(95 721) |
|---|
| Change in provision for claims outstanding |
242 156 |
(24 691) |
|---|
| Net claims and change in provisions in non-life insurance |
5 216 148 |
5 623 849 |
|---|
| Claims and claims handling expenses for the current period |
2 866 894 |
3 154 548 |
|---|
| Claims and claims handling expenses for previous periods |
1 335 126 |
1 406 427 |
|---|
| Change in provision for claims outstanding |
1 014 128 |
1 062 874 |
|---|
Change in technical provisions in non-life insurance
| Change in provision for unearned premium in non-life insurance | 1 January - 31 December 2013 | 1 January - 31 December 2012 |
|---|
| | gross | reinsurers’ share | net of reinsurance | gross | reinsurers’ share | net of reinsurance |
|---|
| Opening balance |
4 435 516 |
(190 865) |
4 244 651 |
4 411 652 |
(163 937) |
4 247 715 |
|---|
| Increase (decrease) in provisions for policies concluded in the current year |
4 220 358 |
(160 456) |
4 059 902 |
4 193 481 |
(152 296) |
4 041 185 |
|---|
| Increase (decrease) in provisions for policies concluded in previous years |
(4 225 756) |
140 844 |
(4 084 912) |
(4 158 221) |
124 662 |
(4 033 559) |
|---|
| Exchange differences during the period |
(1 290) |
537 |
(753) |
(11 396) |
706 |
(10 690) |
|---|
| Change in the consolidation scope |
17 |
- |
17 |
|
|
|
|---|
| Closing balance |
4 428 845 |
(209 940) |
4 218 905 |
4 435 516 |
(190 865) |
4 244 651 |
|---|
| Change in provision for unexpired risk in non-life insurance | 1 January - 31 December 2013 | 1 January - 31 December 2012 |
|---|
| | gross | reinsurers’ share | net of reinsurance | gross | reinsurers’ share | net of reinsurance |
|---|
| Opening balance |
8 202 |
(5) |
8 197 |
13 411 |
(167) |
13 244 |
|---|
| Increase (decrease) in provisions for policies concluded in the current year |
5 546 |
- |
5 546 |
2 330 |
157 |
2 487 |
|---|
| Increase (decrease) in provisions for policies concluded in previous years |
(5 016) |
(12) |
(5 028) |
(6 609) |
(5) |
(6 614) |
|---|
| Exchange differences during the period |
38 |
1 |
39 |
(930) |
10 |
(920) |
|---|
| Closing balance |
8 770 |
(16) |
8 754 |
8 202 |
(5) |
8 197 |
|---|
| Change in provisions for claims outstanding in non-life insurance | 1 January - 31 December 2013 | 1 January - 31 December 2012 |
|---|
| | gross | reinsurers’ share | net of reinsurance | gross | reinsurers’ share | net of reinsurance |
|---|
| Opening balance, including: |
5 362 089 |
(304 051) |
5 058 038 |
4 817 359 |
(283 085) |
4 534 274 |
|---|
| - for claims reported |
1 970 611 |
(234 276) |
1 736 335 |
1 824 201 |
(233 774) |
1 590 427 |
|---|
| - for claims incurred but not reported (IBNR) |
2 413 008 |
(55 337) |
2 357 671 |
2 171 324 |
(37 503) |
2 133 821 |
|---|
| - for claims handling expenses |
978 470 |
(14 438) |
964 032 |
821 834 |
(11 808) |
810 026 |
|---|
| Paid claims concerning losses incurred in previous years, including |
(1 506 275) |
265 311 |
(1 240 964) |
(1 479 312) |
90 206 |
(1 389 106) |
|---|
| - claims paid |
(1 276 357) |
261 990 |
(1 014 367) |
(1 264 643) |
87 450 |
(1 177 193) |
|---|
| - claims handling expenses |
(229 918) |
3 321 |
(226 597) |
(214 669) |
2 756 |
(211 913) |
|---|
| Increase (decrease) in provisions, including: |
2 185 105 |
(130 145) |
2 054 960 |
2 036 969 |
(108 895) |
1 928 074 |
|---|
| - losses incurred in the current year |
1 895 793 |
(35 684) |
1 860 109 |
2 078 170 |
(111 127) |
1 967 043 |
|---|
| - losses incurred in the previous years |
289 312 |
(94 461) |
194 851 |
(41 201) |
2 232 |
(38 969) |
|---|
| Other changes |
- |
(1 834) |
(1 834) |
- |
(5 049) |
(5 049) |
|---|
| Exchange differences during the period |
111 |
344 |
455 |
(12 927) |
2 772 |
(10 155) |
|---|
| Closing balance |
6 041 030 |
(170 375) |
5 870 655 |
5 362 089 |
(304 051) |
5 058 038 |
|---|
| - for claims reported |
2 072 193 |
(121 826) |
1 950 367 |
1 970 611 |
(234 276) |
1 736 335 |
|---|
| - for claims incurred but not reported (IBNR) |
2 615 113 |
(29 989) |
2 585 124 |
2 413 008 |
(55 337) |
2 357 671 |
|---|
| - for claims handling expenses |
1 353 724 |
(18 560) |
1 335 164 |
978 470 |
(14 438) |
964 032 |
|---|
| Change in provision for capitalized value of annuity claims – non-life insurance | 1 January - 31 December 2013 | 1 January - 31 December 2012 |
|---|
| | gross | reinsurers’ share | net of reinsurance | gross | reinsurers’ share | net of reinsurance |
|---|
| Opening balance |
5 660 281 |
(254 413) |
5 405 868 |
5 088 626 |
(253 524) |
4 835 102 |
|---|
| Paid claims concerning losses incurred in previous years |
(179 944) |
3 839 |
(176 105) |
(174 797) |
7 896 |
(166 901) |
|---|
| Increase (decrease) in provisions for losses incurred in the previous years |
23 321 |
104 997 |
128 318 |
221 010 |
11 333 |
232 343 |
|---|
| Adjustments resulting from revision of technical rates |
(16 981) |
775 |
(16 206) |
244 950 |
(13 889) |
231 061 |
|---|
| Increase in provisions for losses incurred in the current year |
274 655 |
- |
274 655 |
265 864 |
- |
265 864 |
|---|
| Other changes |
- |
(1 378) |
(1 378) |
14 628 |
(6 229) |
8 399 |
|---|
| Closing balance |
5 761 332 |
(146 180) |
5 615 152 |
5 660 281 |
(254 413) |
5 405 868 |
|---|
