Triglav Group link

Basics

	2008 (€)	2007 (€)
Gross premium	106.994.118	87.625.291
Net premium	58.959.560	50.317.442
Gross losses	85.685.792	44.833.529
Net losses	34.551.951	28.155.302
Gross technical provisions	82.688.310	60.224.888
Net technical provisions	50.021.730	40.407.672
Retention ratio	55,1%	57,4%

Net technical provisions as % of net premium	84,8%	80,3%
Net loss ratio	73,1%	67,6%
Expense ratio	19,9%	24,3%
Combined ratio	93,0%	91,9%
Operating expenses as % of gross premium	2,4%	2,5%
Number of employees as at 31 December 2006	32	29

Shareholders’ funds	28.698.907	33.813.935
Profit before tax	2.912.032	6.098.416
Return on equity (in %)	7,2%	13,4%