Synonym of Insurance 70 Years among the Leaders of the Bulgarian - PowerPoint PPT Presentation

Synonym of “Insurance” 70 Years among the Leaders of the Bulgarian Insurance Market

History of DZI Milestones from its foundation to date Bulgaria began The company was The government privatized on August transition to a market decided to merge all 19 27, 2002, when the economy. More than Bulgarian insurance 100 insurance investment company companies and 11 companies were Contract Sofia Ltd. branches of foreign founded, of which bought the controlling insurers in one state- stake. about 40 maintained owned company. 1969 2012 1996 active operations. A new law was adopted In September 1996 the August 3, 2007: KBC 1946 1989 2002 for the governance of new insurance law received the DZI. It simplified the prohibited the necessary regulatory management of the simultaneous sale of life approvals and company and ensured its insurance policies and successfully greater autonomy. general insurance completed the products. DZI split into acquisition of DZI. two – DZI General Insurance JSC and DZI JSC.

KBC Group DZI and CIBANK are the companies through which KBC Group operates in Bulgaria . Belgium . Czech Rep. . Slovakia . Bulgaria . Hungary . Ireland For KBC Group and its values KBC is a group of more than 38 000 talented employees in different countries, who work together and share a common culture. Our culture is the fertile and vital soil on which we build our strategy, consisting of 4 cornerstones, interacting with each other: We strive to offer to our customers unique bank-insurance experience. We develop our group in the long term and thus achieve sustainable and profitable growth. We put our customers’ interests at the heart of what we do and strive to offer them at any time high quality of service and appropriate solutions. We take our responsibility towards society and local economies very seriously and aim to reflect that in our daily activities. We believe that our strategy – powered by our culture with the contribution of our employees – helps us win, keep and develop trust with every passing day and therefore makes us become the reference in our core markets.

People and Network 130 Points of Sale 28 Head Agencies 29 681 Full time employees Agencies 25 Offices 48 Agent Offices 340 Brokers with active contracts We believe that the engagement and professionalism of the people in DZI are the foundation of our success. For that reason DZI as an employer invests in the development of its employees, providing various opportunities for professional training and career development, and implements various initiatives to increase satisfaction and engagement of employees. Through our people we combine the best traditions and experience in insurance and modern practices, guided by our continuous aspiration to be the best.

Financial Data for DZI 2015 Facts about DZI BGN 506 mln. Assets 506 BGN 403 mln. 403 Investments BGN 297 mln. DZI is the insurer with the greatest Technical reserves 297 experience in Bulgaria and with over 800 000 413% insured persons Coverage of solvency 413 margin I (Solvency I) 227% 227 Coverage of solvency margin II (Solvency II)

DZI 2015 - results DZI 42% +11% NL Growth 2015 +42% L DZI Market Market 10% 11% 15% Non Life Life 2013 2014 132,7 139 154,2 28,9 32,1 46,1 2015 Non-Life Life

Corporate Sustainability and Responsibility Interwoven into the DNA of our Group and strategy – we strive to create shared values together with our stakeholders CUSTOMERS Major priorities • Financial literacy EMPLOYEES • Entrepreneurship SOCIETY • Environment (combating climate change) • Health

Report to Society The First Bank Insurance Report in Bulgaria DZI and CIBANK Data for 2014

Insurer of the Year Five consecutive years DZI-General Insurance JSC Insurer of the Year First Place Insurers for Society The criteria for selecting the „ Insurer of the Year ” are: market share, gross claims paid, technical result, net premium income, solvency ratio, share of technical reserves, net cost ratio. Nominations and decision of the expert jury determine the winners each year. For six years now the highest achievements in insurance are Annual Awards distinguished by the event „ Insurer of the Year ”, organized by: the Higher for Road Safety School of Insurance and Finance, the Association of Bulgarian Insurers, the „ You are not alone Bulgarian Association of Supplementary Pension Insurance Companies, Prof. Dr. Veleslav Gavriyski Foundation. on the road “

24-Hour Contact Centre 0700 16 166 24-hour customer service The 24-hour contact centre of DZI serves customer queries and provides assistance by phone in emergency situations 24 hours a day / 7 days a week / 52 weeks a year. Fast and adequate The contact centre is one of the steps response of DZI to be a modern insurer, easily accessible and always available to its customers. SMS notification 0700 16 166 Assistance in the event of claim

www.dzi.bg Here you can get a personalized Request an offer offer, tailored to your customer history Here you can check the status of Status of a claim your claim Here you get information about the steps you Assistance with claim need to take in case of an insured event Е -Payment Here you get information about the variety of ways in which you can pay an installment under an insurance with DZI DZI strives to be closer to its customers by using modern means of direct communication and service. The range of digital services provided by DZI, is to be expanded and enriched.

Our Products Life Comfort for „ Comprehensive Casco+ Insurance Home and Medical Care “ Travel Assistance Business – medical costs Motor Third Accident Group Insurance Party Liability DZI offers a full range Insurance Industrial Fire „ DZI Health “ of products life insurance, general insurance and health insurance What do we offer? The company develops and offers a full range of products in the domains of general insurance and life insurance, as well as products related to the coverage of health risks. Over the years, the experts of DZI based on their experience and thanks to an active international exchange within КВС Group, developed a number of innovative solutions in the product portfolio, as well as in the service to customers and intermediaries.

Market shares 2015 14,40 10,50 8,40 11 5,90 12,50 9,60 Data as of November 2015

Reserves 2015 181 113 118 121 158 96 112 98 64 98 82 55 2015 2015

Investments 33,4 64,3 2,2 0,1

Thank you for your attention!