Astra Raport 2009 Full

2009
raport anual
ANNUAL REPORT 2009 SUMMARY 01 Editorial 03 Company introduction 05 Financial landmarks 06 Gross written premiums 08 Prot and loss account 09 Solvency and liquidity ratios 09 Balance sheet 11 Asset evolution 12 Technical account 14 Non-technical account 16 Audit report 18 Brief Market 2009 19 Event The Romanian Athletics Federation 20 Event The play arenas 22 Event Aeromania [i Mamaia World Elite Acrobatic Formula 24 Event Class One Romnia Grand Prix 2009 26 Event Oltchim 28 News conference RAPORT ANUAL 2009 SUMAR 01 Editorial 03 Prezentarea companiei 05 Repere nanciare 06 Prime brute subscrise 08 Contul de prot i pierdere 09 Coecienii de solvabilitate i lichiditate 09 Bilanul contabil 11 Evoluia activelor 12 Contul tehnic 14 Contul netehnic 16 Raportul Auditorilor Independeni 18 Analiza pie]ei 2009 19 Eveniment Federa]ia Romn de Atletism 20 Eveniment Arenele de joac 22 Eveniment Aeromania [i Mamaia World Elite Acrobatic Formula 24 Eveniment Class One Romnia Grand Prix 2009 26 Eveniment Oltchim 28 Conferina de pres www.facebook.com/ASTRA.Asigurari www.astra-asigurari.blogspot.com
ASTRA ASIGURRI RAPORT ANUAL 2009
citius altius fortius
www.astrasig.ro www.astraonline.ro www.astrasante.ro
2009 SUCURSALE ASTRA ASIGURRI

MAIN ASTRA ASIGURRI OFFICES
Adresa Str. Cloca Nr. 3, Bl. C6, Sc. D, Ap. 2 i 4, Parter Str. Dunrii nr. 218, bl. Patria, sc. A, ap. 4 [i 6 Str. Iuliu Maniu, Nr. 64 Str. Republicii, Nr. 60 Str. I.L. Caragiale, Nr. 5, Parter i Et. 1, Ap. 2 i 3 B-dul General Gh.Magheru, Nr. 11, Bloc M11, Parter Str. Andrei Mureanu, Nr. 3, Sc. B, Ap. 17 i 18 Calea Naional, Nr. 46, Parter Str. 13 Decembrie, Nr. 9, Bl.8, Parter Str. Clrai IV, Bl. 24 A, Sc. 1, Ap. 2 i 3 Str. Nerva Traian nr. 3, bloc M101, etaj 3 i 10, sector 3 Str. Sltineanu, Nr. 12, Sector 1 Str. Ion Cmpineanu, Nr. 16, Sector 1 B-dul Banu Manta, Nr. 3-5, Bl. 1 B, Parter BUCURETI P-a Unirii, Nr.1, Magazinul Unirea, Et. 6 Sos.Olteniei nr. 45, Ora Popeti-Leordeni, jud.Ilfov Str. Armeneasca nr. 3 Str. Ion Cmpineanu nr. 16, sector 1 BUZU CARA-SEVERIN CLRAI CLUJ CONSTANA COVASNA DMBOVIA DOLJ GALAI GIURGIU GORJ HARGHITA HUNEDOARA IALOMIA IAI ILFOV MARAMURE MEHEDINI MURE NEAMT OLT PRAHOVA SATU-MARE SLAJ SIBIU SUCEAVA TELEORMAN TIMI TULCEA VASLUI VLCEA VRANCEA Str. Unirii, Nr. 1, Bl. 7B, Ap. 1 i 2 Str. G. A. Petculescu, Nr. 3, Bl. B 3, Sc. 2, Ap. 1 Str. Bucureti, Bl. E1, Sc. 3, Et. 1, Ap. 2 Str. Onisifor Ghibu, Nr.1 Str. Dianei, Nr. 2 Str. N. Iorga, Nr. 2, Bl. 3, Ap. 1 i 5 B-dul Independenei, Bl. 7, Parter Str. Al. I. Cuza, Nr. 38 Str. G-ral. Alexandru Cernat, Nr. 61, Et. 2 B-dul C.F.R., Bl. 39, Sc. B, Et. 1, Ap. 21 Tg. Jiu, Str. Unirii, Nr. 36, Complex Unirii, Parter Str. Revoluia dinDecembrie, Nr. 13, Sc. B, Ap. 1 i 4 B-dul Decebal, Bl. 22 i Bl. 24, Parter comercial Piaa Revoluiei, Nr. 2 Str. Grii, Nr. 4 Sos. Olteniei, Nr. 45 B-dul Unirii, Nr. 5, Sc. A, Et. 2, Ap. 4 B-dul Tudor Vladimirescu, Nr. 147 Str. Tunad, Nr. 1, Ap. 1 i 5 Str. Obor, Bl. O1, Parter Str. Primverii, Nr. 8 Str. Roman, Nr. 13, Bl. B, Et. 1, Ap. 21 i 27 Str. Pstrvului, Nr. 2, Sc. B, Ap. 31-33 Piaa 1 Decembrie 1918, Bl. A, Ap. 4, Parter Str. C. Noica, Nr. 39 Str. Universitatii, Nr. 42 Str. Dunrii Nr. 218, Bl. Patria, Sc. A, Ap. 4 i 6 B-dul Mihai Viteazul, Nr. 30 B Str. Pcii-Slciilor, Nr. 81, Sc. A, Et. 1, Ap. 1 Str. Vidin, Nr. 1, Bl. 65, Sc. A, Ap.17 i 20 Str. Calea lui Traian, Nr. 145, Bl. D4, Parter Str. Republicii, Nr. 97
SUCURSALA Alba-Iulia Alexandria Arad Piteti Bacu Oradea Bistria Botoani Braov 2 Brila Sediul Central Dorobani Victoria Banu Manta Nova Ilfov Centru daune Direc]ia asigurri de via] Buzu Reia Clrai Cluj Constana Sf. Gheorghe Trgovite Craiova Galai Giurgiu Trgu Jiu Miercurea Ciuc Deva Slobozia Iai Ilfov Baia Mare Dr. Tt. Severin Tg. Mure Piatra Neam Slatina Ploieti Satu-Mare Zalu Sibiu Suceava Alexandria Timisoara Tulcea Vaslui Rm. Vlcea Focani
JUDE ALBA Teleorman ARAD ARGE BACU BIHOR BISTRIA-NSUD BOTOANI BRAOV BRILA BUCURETI
Telefon 0258 835 294 0258 835 294 0257 254 641 0248 210 824 0234 519 777 0259 457 341 0263 213 684 0231 537 737 0268 411 162 0239 675 286 021 318 80 80/86 021 212 32 74 021 312 51 51 021 222 47 00 021 303 03 16 0750/ 99.06.01 0750/ 99.05.00
Fax 0258 833 266 0258 833 266 0257 251 662 0248 210 824 0234 519 777 0259 434 910 0263 213 684 0231 510 683 0268 411 167 0239 611 787 021 318 80 74/75 021 212 32 13 021 313 13 14 021 222 37 91 021 303 03 16 0750/ 99.06.04 0750/ 99.05.15
E-mail alba@astrasig.ro alba@astrasig.ro arad@astrasig.ro pitesti@astrasig.ro bacau@astrasig.ro oradea@astrasig.ro bistrita@astrasig.ro botosani@astrasig.ro brasov@astrasig.ro braila@astrasig.ro office@astrasig.ro smbmail@astrasig.ro victoriamail@astrasig.ro banumantamail@astrasig.ro novamail@astrasig.ro ilfov@astrasig.ro secretariatlife@astrasig.ro buzau@astrasig.ro resita@astrasig.ro calarasi@astrasig.ro cluj@astrasig.ro constanta@astrasig.ro sfantu@astrasig.ro targoviste@astrasig.ro craiova@astrasig.ro galati@astrasig.ro giurgiu@astrasig.ro jiu@astrasig.ro ciuc@astrasig.ro deva@astrasig.ro slobozia@astrasig.ro iasi@astrasig.ro ilfov@astrasig.ro baiamare@astrasig.ro severin@astrasig.ro mures@astrasig.ro neamt@astrasig.ro slatina@astrasig.ro ploiesti@astrasig.ro satumare@astrasig.ro zalau@astrasig.ro sibiu@astrasig.ro suceava@astrasig.ro alexandria@astrasig.ro timisoara@atrasig.ro tulcea@astrasig.ro vaslui@astrasig.ro valcea@astrasig.ro focsani@astrasig.ro
FOCUSASTRA2009
>> Total prime brute subscrise n suma de 809.471.525 lei, n cretere cu 25% fa de 2008; >> Prot contabil net de 6.206.843 lei, mai mare cu 68% fa de 2008; >> Prime brute subscrise n suma de 799.517.436 lei la asigurri generale; >> Prime brute subscrise cu 208% mai mari fa de anul anterior la property, fapt ce a propulsat compania pe locul 1 n topul asiguratorilor pe acest segment de business, cu subscrieri de 135.517.721 lei fa de 44.020.957 lei n 2008; >> 286.303.602 lei PBS la RCA n cretere cu 85% fa de nivelul PBS realizat n 2008, fapt ce aaz compania n poziia de lider de pia; >> Un volum de 294.220.500 lei al PBS la Casco; >> Activitatea de asigurri maritime s-a cifrat la valoarea de 11.744.866 lei, cu 13% mai mult fa de 2008; >> Cretere de 50% la asigurri de aviaie (casco i rspundere civil), de la 22.898.445 lei n 2008 la 34.283.228 lei n 2009; >> Cretere de 37% la primele brute subscrise pe segmentul de asigurri de via; >> Daunele pltite pe asigurri non-via au nregistrat n 2009 o majorare cu 17% i o valoare total de 328.167.179 lei fa de 280.560.691 lei n 2008, concretizate ntr-un numr de 69.169 cazuri despgubite; >> Peste 60 clase de asigurri cu produse derivate ale acestora; >> Peste 250 de sucursale, agenii i puncte de lucru n toat ara; >> Peste 1500 de angajai; >> Premiul pentru ,,Cea mai bun dinamic a unei companii cu prime brute subscrise de peste 500 milioane de lei acordat de Trustul de Pres FinMedia; >> Premiul Asigurtorul Anului obinut n cadrul Galei Premiilor Revistei Piaa Financiar; >> Premiul ,,Produsul Anului pentru Asigurarea de Asisten a Locatarului oferit de XPrimm Asigurri&Pensii; >> Premiul ,,Asigurtorul Anului pe segmentul asigurri generale oferit de Revista Xprimm Asigurri&Pensii n cadrul Galei de Decernare a Premiilor Pieei Asigurrilor; >> Premiul Special pentru Profesionalism i Performan pentru implementarea cu succes a sistemului de subscriere electronic. >> Premiul ,,Cel mai dinamic Asigurtor pe segmentul Agricultur n anul 2009'', oferit de Trustul de pres FinMedia.
FOCUSASTRA2009
>> Total subscribed gross premiums amounting to lei 809,471,525.00, an increase of 25% from 2008; >> Net prot by the books of lei 6,206,843.00, 68% higher than 2008; >> Subscribed gross premiums amounting to lei 799,517,436.00 for the general insurances; >> Subscribed gross premiums 208% higher than previous year for the property, which took the company on the 1st place in the top of insurers in this segment of business, with subscriptions of lei 135,517,721.00 against lei 44,020,957.00 in 2008; >> Lei 286,303,602.00 of PBS at RCA, an increase of 85% from the level of PBS achieved in 2008, which puts the company in the position of market leader; >> A volume of Lei 294,220,500.00 of PBS at Casco; >> The activity of marine insurances amounted to the value of lei 11,744,866.00, that is 13% more than in 2008; >> 50% increased aviation insurances (Casco and civil liability), from Lei 22,898,445.00 in 2008 to lei 34,283,228.00 in 2009; >> 37% increase of the subscribed gross premiums on the segment of life insurances; >> Damages paid for the non-life insurances recorded in 2009 an increase of 17% and the total amount of Lei 328,167,179.00 from Lei 280,560,691.00 in 2008, which means a number of 69,169 cases indemnied; >> Over 60 insurance classes with their derived products; >> Over 250 branches, agencies and work points all over the country; >> Over 1,500 employees; >> Award for Best dynamics of a company with the subscribed gross premiums over Lei 500 million granted by the Press Trust FinMedia; >> Award Insurer of Year obtained within the Award Gala of Magazine Piaa Financiar organized by the Press Trust FinMedia; >> Award ,,Product of Year for providing assistance to the Lessee, granted by magazine XPrimm Asigurari&Pensii; >> Award ,,Insurer of Year on the segment of general insurance, granted by magazine Xprimm Asigurari&Pensii within the Award Gala of Insurance Market; >> ,,Special Award for Professionalism and Performance for the successful implementation of the electronic subscription system, granted by magazine Xprimm Asigurari&Pensii; >> Award ,,Most Dynamic Insurer on the segment of Agriculture in 2009'', granted by Press Trust FinMedia.
0374 201 200 201..211 021 313.15.66 0238 710 308 0255 220 645 0242 331 560 0264 432 729 0241 550 211 0267 352 681 0245 217 451 0251 418 441 0236 418 427 0246 219 235 0253 218 880 0266 372 040 0254 233 630 0243 234 692 0232 216 707 0750 990 601 0262 223 481 0252 333 104 0265 268 963 0233 225 981 0249 416 302 0244 521 443 0261 716 610 0260 661 188 0269 217 317 0230 524 104 0247 317 094 0256 471 474 0240 518 492 0235 312 011 0250 736 904 0237 232 817 0238 710 308 0255 220 645 0242 321 898 0264 432 463 0241 550 213 0267 352 682 0245 212 861 0251 410 528 0236 311 186 0246 219 235 0253 218 880 0266 372 460 0254 226 321 0243 230 092 0232 216 707 0750990604 0262 223 243 0253 333 106 0265 268 118 0233 226 356 0249 416 303 0244 594 500 0261 710 095 0260 661 188 0269 234 802 0230 524 104 0247 315 658 0256 294 205 0240 510 536 0235 316 211 0250 736 904 0237 232 817
ASIGURRI DE LOCUIN
ASIGURRI AUTO ASIGURRI DE LOCUIN
Pentru o list complet a lialelor ASTRA Asigurri mergei la: For a complete list of ASTRA Asigurri offices go to:
www.astrasig.ro
www.astraonline.ro
EDITORIAL
ASTRA ASIGURRI protecie romneasc

Anul 2009 a fost unul greu pentru toi. Criza nanciar a lasat urme n toate domeniile i, implicit, n cel al asigurrilor. Chiar i n aceste condiii, la fel ca i n 2008, echipa Astra Asigurri a dovedit c poate face fa tuturor provocrilor i a reuit s fac prot si cretere n plin declin nanciar. 2009 a fost, pentru Astra Asigurri, un an decisiv, n care ecare strategie de pia a condus ctre ceea ce este compania azi-liderul pieei de asigurri din Romnia. Asemenea dictonului Citius, altius, fortius ne-am dezvoltat, am , crescut i ne-am consolidat poziia ntr-o perioad dicil. Astfel, am demonstrat c suntem o companie puternic, stabil, care i-a consolidat statutul de lider pe segmentele importante ale asigurrilor. Trgnd o linie, 2009 a fost un an al evenimentelor la care am fost parteneri principali, evenimente din diferite zone de activitate, pornind de la sport, cultur i terminnd cu life-style. De exemplu, n 2009 am avut parteneriate i am sponsorizat discipline sportive precum: aviaie sportiv, handbal, atletism, fotbal, hochei pe ghea, gimnastic ritmic, bob i sanie, karting. Nu am uitat nici de importana evenimentelor culturale, astfel nct am fost alaturi de Teatrul de Comedie din Bucureti, Opera Romn din Bucureti, am sustinut concerte de muzic clasic precum Spring Music Flavours sau December Music Flavours susinute la Ateneul Romn. Obiective propuse i ndeplinite La nceputul anului 2009 ne-am stabilit o serie de obiective strategice printre care se numr: continuarea dezvoltrii liniilor bussiness facultative, lansarea de noi produse de asigurri de via, sntate i property, precum i dezvoltarea celor aate deja n portofoliul nostru. Tot pe lista obiectivelor, am cuprins dezvoltarea parteneriatelor n regim bancassurance i accesarea unor noi canale de vnzare, consolidarea poziiei de lider pe segmentele de aviaie, maritim i property, profesionalizarea reelei de vnzri i creterea calitii serviciilor furnizate asigurailor. La ncheierea exerciului nanciar al anului 2009, dup o analiz complex a activitii noastre, am constatat c obiectivele au fost ndeplinite cu succes. Proiecte noi implementate n 2009 n 2009, am facut saltul uria de la creion la racheta spaial. Aa ne place s numim implementarea sistemului de subscriere electronic i management de portofoliu. Acesta poate accesat azi de toi agenii i brokerii parteneri ai companiei. La ora actual, ntreaga for de vnzare a Astra Asigurri este dotat cu un laptop mobil, de dimensiunea unei mape, conectat la internet, cu imprimant i dispozitiv pentru generarea semnturii electronice. Astfel, daca nainte, un client trebuia sa aloce un sfert de or-douzeci de minute pentru ncheierea unei polie de asigurare, azi, emiterea unei polie de asigurare se face n doar cateva minute. Timpul dedicat emiterii polielor de asigurare a sczut considerabil. Astzi, 99,9% din poliele subscrise de ASTRA Asigurri, sunt emise n sistem electronic. De asemenea, o alt realizare important a companiei noastre a fost lansarea portalului de emitere n timp real www.astraonline.ro. Apariia acestui portal de vnzri directe este consecina evoluiei companiei, a dinamicii i a modernitii acesteia, dar i a dorinei noastre de a ct mai aproape de clienii notri, care acceseaz serviciile de internet.
RAPORT ANUAL 2009
01
EDITORIAL
Astfel, am optat pentru un format ecient, securizat, uor de utilizat chiar i de acas, prin intermediul cruia oferim soluii de asigurare optime pentru lucrurile importante din viaa ecruia. Evenimente susinute de ASTRA Asigurri 2009 a fost anul evenimentelor culturale i sportive. Din punct de vedere cultural, ne-am implicat, ca sponsori, n organizarea i susinerea Concertelor Spring Music Flavours i December Music Flavours de la Ateneul Romn. Pentru ca suntem cea mai important companie romneasc din piaa de asigurri, susinem i dezvoltarea instituiilor culturale din Romnia, aa nct, n 2009, am sponsorizat Teatrul de Comedie i Opera Romn din Bucureti. Am fost alturi de sportivii romni i n 2009. Am rennoit parteneriatul cu Federaia Romn de Atletism, ne-am implicat n campania Sport pentru via prin evenimentul Arenele de joac De asemenea, am susinut n dubl , . calitate, ca sponsor i participant, Bucharest City Marathon. Ca parteneri, am oferit polie de asigurare mpotriva accidentelor sportivilor nscrii n competiie, iar ca participani, am intrat n Cursa Corporate cu o inimoas echip de angajai din companie, care s-a clasat pe locul 5 dintr-un numr de 81 de echipe nscrise n competiie. Poziia de lideri n domeniul asigurrilor maritime ne-a determinat s m asiguratorii ociali ai Class One Romanian Grand-Prix care a avut loc la Mamaia, n perioada 28-30 august, evenimentul ind echivalentul pe ap al Formulei 1. Cum asigurrile de aviaie sunt un alt domeniu n care ne-am demonstrat calitatea de lider incontestabil, in 2009 am devenit Asiguratori ociali ai Mamaia World Elite Acrobatic Formula, desfurat n perioada 10-12 iulie 2009 la Mamaia, i ai Aeromania, care a avut loc n 22 i 23 august 2009, dou show-uri aviatice care au adus alaturi concureni de renume. Premii ctigate n 2009 Dac n anul 2008 Trustul de Pres FinMedia ne-a acordat distincia pentru Cel mai mare asigurator clasa RC la transporturi aeriene i navale, n 2009 am , primit, din partea revistei Companii de Asigurri de Top premiul pentru Cea , mai bun dinamic a unei companii cu prime brute subscrise de peste 500 milioane de lei Trustul de pres Fin Media i revista Piaa Financiar ne-au de. cernat Premiul Asigurtorul Anului . Alt premiu obinut la Ediia 2009 a Galei Premiilor Pieei Asigurrilor, organizate de Revista Xprimm Asigurri&Pensii a fost Premiul Produsul Anului la Asigurri Generale pentru asigurarea de asisten a locatarului. Pentru activitatea din 2009 compania a primit din partea revistei Xprimm Asigurri&Pensii premiile ,,Asigurtorul Anului pe segmentul asigurri generale i Premiul Special pentru Profesionalism i Performan pentru implementarea cu succes a sistemului de subscriere electronic. Astfel, am demonstrat c, prin lucru n echip, prin putere i motivare, prin organizarea riguroas a resurselor i a prioritilor, am putut crete i deveni mai puternici ntr-o perioad economic extrem de dicil. Iat de ce dictonul care cred ca ni se potrivete cel mai bine n 2009 este: ,,Citius, altius, fortius!
premiul special
ASIGURTORULUI ANULUI 2009

la categoria asigurri generale
oferit de revista XPrimm Asigurri&Pensii
V mulumesc tuturor! Radu Mustea

Preedinte Directorat ASTRA Asigurri
02
RAPORT ANUAL 2009
ACIONARI PRINCIPALI
Compania ASTRA Asigurri a intrat pe piaa asigurrilor ca juctor puternic i stabil nc din anul 1991, cnd s-a desprins din fosta companie de stat ADAS, beneciind astfel de o vast experin pe piaa naional i internaional a asigurrilor i devenind a doua companie de asigurri privat din Romnia. ASTRA Asigurri se numar ntre companiile cele mai capitalizate din piaa autohton a asigurrilor, avnd un capital social cu o valoare de 55 milioane de EURO. Cu o reea ce numar peste 250 de sedii dispuse n toat ara, ASTRA Asigurri ofer clienilor si o acoperire teritorial complet. n ultima perioad, ASTRA Asigurri a implementat strategii noi de vnzare i de produs avnd ca principale atuuri modernizarea i exibilitatea celor peste 60 de tipuri de asigurri generale, de via i de sntate din portofoliu, precum i apropierea de asiguraii si. ASTRA Asigurari s-a impus nc de la nceput n piaa de prol devenind una dintre primele companii ca cifr de afaceri. Compania i-a mbuntit prestaia cu ecare an, urcnd n 2009 n top 3 al companiilor romneti din piaa de prol, iar ncepnd cu luna iunie 2009 a devenit lider de pia la asigurri property. ASTRA Asigurri este o companie puternic, stabil, lider de piaa la asigurari maritime i de aviaie.
Direcii de dezvoltare
n 2009, compania i-a propus ca obiective strategice: continuarea dezvoltrii liniilor de business facultative, lansarea de noi produse de asigurare de via, sntate i property, precum i dezvoltarea celor aate deja n portofoliu, dezvoltarea parteneriatelor n regim bancassurance i accesarea unor noi canale de vnzare, consolidarea poziiei de lider pe segmentele aviaie, maritim i property, continuarea profesionalizarii retelei de vnzri i creterea calitii serviciilor furnizate asigurailor.
RAPORT ANUAL 2009
03
DATE FINANCIARE
ROMNIA LIBER MEDIA GAMMA PUBLISHERS UNITED PRINT CMP
INTERNATIONAL BUSINESS CENTER MODERN BAUMEISTER CITY BUSINESS CENTER UNIREA SHOPPING CENTER MEGA CONSTRUCT
ASTRA ASIGURRI
ASIGURRI
MEDIA
CONSTRUCII
IMOBILIARE
ENERGIE
II TNG- The NOVA GROUP

TNG, UNUL DINTRE CELE MAI MARI HOLDINGURI DIN ROMNIA, DEINE 72,68% DIN COMPANIA ASTRA ASIGURRI. GRUPUL A DEZVOLTAT MAI MULTE COMPANII DE SUCCES CARE ACOPER UN SPECTRU LARG DE AFACERI: ASIGURRI, CONSTRUCII, IMOBILIARE, MEDIA I ENERGIE.
Compania Medien Holding include cotidianul Romnia liber, www.romanialibera.ro, revistele Media Gamma Publishers, tipograa United Print i Corporate Media Publishing, agenia de comunicare, branding i corporate media. Romnia liber, fondat n 1877, este cel mai longeviv cotidian romnesc i reprezint 133 de ani de credibilitate i independen. n martie 2010 Romnia liber s-a relansat sub un nou concept editorial i o nou imagine. Cu cel mai stabil public dintre toate ziarele generaliste, Romnia liber este un cotidian modern, dinamic, complex i atractiv. Media Gamma Publishers - revistele Hiparion: CMINUL, DOMUS, CASA MEA, PLANUL CASEI MELE, REVISTA DE UNELTE I ECHIPAMENTE, portalul WWW.CASAMEA.RO i emisiunea sptmnal CAMINUL DE 5 STELE, difuzat pe Prima Tv - ofer o acoperire complet a zonei de imobiliare, construcii i amenajri interioare, utilaje pentru construcii, dar i idei de vacane n ar i n lume. United Print funcioneaz din 2001 i tiprete unele dintre cele mai puternice nume de pe piaa local de media: Romnia liber, Academia Caavencu, Gazeta Sporturilor, Libertatea i multe alte cotidiane i sptmnale. CMP (Corporate Media Publishing) editeaz revistele glossy INSIGHT TAROM i SKY LADY i ofer servicii complete de creaie i publishing: anuare nanciare, reviste interne, reviste business to business, brouri, cataloage, mape de pres etc. Baumeister este o societate de construcii ninat n anul 1997, care realizeaz construcii civile, industriale, de protecia mediului i de infrastructur. Cteva dintre obiectivele construite sunt: Kauand Logistic Park Ploieti, Corallia Holiday Apartments Mamaia, Unirea, Shopping Center Braov, liniile de fabricaie i centrul de cercetare Yazaki din Ploieti i Arad, Siemens Timioara , precum i structurile construciilor Opera Center, Europe House, Millenium Office Building i Floreasca Tower din Bucureti. TNG este unul dintre dezvoltatorii imobiliari care marcheaz faa Capitalei, printre cldirile sale numrndu-se Unirea Shopping Center, International Business Center Modern i City Business Center. Alte proiecte importante imobiliare sunt n curs de desfurare n Bucureti, Ploieti i Constana. Mega Construct distribuie i furnizeaz gaze naturale pe teritoriul Romniei n opt concesiuni. Fiind ntr-o continu dezvoltare, S.C. MEGACONSTRUCT S.A. estimeaz c ntr-un interval de 18 luni, va deine n portofoliu un numr de aproximativ 4.500 de clieni, crora le va distribui i furniza 11.000.000 mc/an de gaze naturale.
04
RAPORT ANUAL 2009
DATE FINANCIARE
II Repere nanciare ASTRA 2009

ASTRA S.A. a fost constituit la data de 1 ianuarie 1991, n baza Hotrrii de Guvern nr. 1279/08.12.1990. Societatea este autorizat s practice toate categoriile de asigurri facultative prevzute de Legea nr. 32/2000, modicat prin Legea nr. 76/2003, inclusiv cele de via sau de rspundere civil pentru pagube produse terilor din accidente de autovehicule. Totodat, societatea a primit mandat s administreze i s lichideze portofoliul de reasigurare subscris de fosta ADAS, n limitele prevzute prin H.G. 1279/1990. Capitalul social subscris i vrsat al societii pe 31 decembrie 2009 a fost de 192.712.534 lei, la nivelul anului precedent, i conine 72.448.321 de aciuni la valoarea nominal de 2,66 de lei.
STRUCTURA ACIONARILOR A RMAS NEMODIFICAT FA DE 2008:

SC NOVA TRADE SA: UNIQA INT BETEILIGUNGS Persoane Fizice i Juridice: 140.069.256 52.063.132 580.146 72,68300 % 27,01596 % 0,30104 %
COMPONENA CONSILIULUI DE SUPRAVEGHERE LA SFRITUL ANULUI 2009:

Dan Grigore Adamescu Alexander Bogdan Adamescu Ovidiu Botocan Preedinte Membru Membru
COMPONENA DIRECTORATULUI LA 31.12.2009 :

Radu Mustea Dacian Vinereanu Rzvan Ieremia Preedinte Vicepreedinte Membru
n 2009 s-a realizat un prot contabil de 6.206.843 de lei, fa de un prot contabil de 3.488.366 lei, la nalul lui 2008. Primele brute subscrise nregistrate de companie au fost n sum de 809,471,525 lei, fa de 649,895,617 lei n anul precedent, n cretere cu 24,5 %.
2008
Asigurri generale (lei) Asigurri de via (lei) TOTAL 642.615.709 7.279.908 649.895.617
2009
799.517.436 9.954.089 809.471.525
n cretere cu
24.4% 36.7% 24.5%
RAPORT ANUAL 2009
05
DATE FINANCIARE
II Prime brute subscrise

Volumul de prime brute subscrise n anul 2009 a fost de 809.471.525 lei, n cretere cu 25% fa de 649.895.617 lei n 2008.
PRIME SUBSCRISE TOTAL 2009
(nete de anulri) (lei)
809.471.525 799.517.436 838.534.756 39.017.320 9.954.089 12.063.557 2.109.468
Activitatea de asigurri generale prime subscrise prime anulate Activitatea de asigurri de via prime subscrise prime anulate
Primele brute ncasate din activitatea de asigurare n anul 2009 au fost de 675.073.270 lei, n cretere cu 59% fa de 425.122.204 lei, n 2008.
TOTAL PRIME NCASATE N 2009 (lei) Activitatea de asigurri generale prime ncasate prime anulate Activitatea de asigurri de via prime ncasate prime anulate
675.073.270 665.706.224 704.723.544 39.017.320 9.367.046 11.476.514 2.109.468
Activitatea de regularizare a daunelor din asigurri s-a materializat n pli de 327.662.127 lei, fa de 272.906.150 lei n 2008. A rezultat o rat a daunei fa de primele ncasate de 49% n scdere, comparativ cu cea realizat n 2008, cnd a fost de 64%. 2007
TOTAL (lei) daune asigurri generale daune asigurri de via 168.566.659 167.827.031 739.628
2008
272.906.150 272.202.606 703.550
2009
327.662.127 326.436.559 1.225.568
n cretere cu
20%
n 2009 s-au realizat venituri din aciunea de recuperri i regrese din asigurare de 23.864.808 lei, n cretere cu 94% fa de 12.333.213 lei n 2008. Activitatea de reasigurare s-a materializat ntr-un sold tehnic negativ de 55.269.060 lei. n anul precedent, soldul tehnic negativ a fost de 23.061.247 lei. Veniturile din reasigurare au fost de 4.203.371 lei, n scdere cu 87 % fa de 2008. Cheltuielile cu reasigurarea s-au
ridicat la 59.472.431 lei, mai mult cu 9%, dect cele din 2008. Cheltuielile de atragere a asigurailor au atins nivelul de 127.991.022 lei, cu 46% mai mare, comparativ cu cele din anul precedent. La 31 decembrie 2009, societatea a dispus de o reea de 244 uniti teritoriale, dintre care 50 sunt sucursale. Numrul de salariai a ajuns la 1.561, fa de 1.498, n 2008.
06
RAPORT ANUAL 2009
DATE FINANCIARE
PRIME DE ASIGURARE SUBSCRISE (mil. euro)

TIPURI DE RISCURI PRIME SUBSCRISE N 2007 PRIME SUBSCRISE N 2008 PRIME SUBSCRISE N 2009 CRETERE CU %
Mijloace de transport terestru Rspundere civil auto Incendiu i alte pagube la bunuri Maritime i de transport Aviaie Persoane i via Altele TOTAL
136,05 154,67 20,76 9,28 13,68 16,69 22,87 374
374,96 154,67 44,02 10,36 22,85 18,01 25,02 649,89
294,27 286,37 135,52 11,74 34,28 20,84 26,45 809,47
-22 85 208 13 50 16 6 25
PONDEREA PRINCIPALELOR LINII DE ASIGURARE N TOTAL ASIGURRI GENERALE 2009

i ic ld 1,4 Al iri te 7% le 4, M 29 ar % itim Av e ia ie 67 %
CA SC O
RC A
35 ,8 2%
36 ,8 1%
16 ,9 5
20
40
60
80
4,
Bu n
ur
100
STRUCTURA PORTOFOLIULUI N 2008

57,70% CASCO
STRUCTURA PORTOFOLIULUI N 2009

36,35% CASCO
1,23% Asigurri de via 4,64% Asigurri de via 5,44% Altele 6,77% Bunuri i cldiri 23,80% RCA 1,64% Aviaie 35,38% RCA 16,74% Bunuri i cldiri 4,24% Aviaie 6,06% Altele
RAPORT ANUAL 2009
07
DATE FINANCIARE
II Contul de prot i pierdere

Veniturile din exploatare includ n proporie de 77,16% veniturile din prime brute subscrise, n cretere cu 74% n 2009 fa de anul precedent. n categoria veniturilor din exploatare sunt incluse i alte venituri. ALTE VENITURI DIN EXPLOATARE
Venituri din cedarea activelor Venituri din regrese Venituri din diferene de curs valutar Venituri din reasigurare Venituri din provizioane Venituri din chirii Alte venituri (penaliti etc)
lei
44.012 23.864.808 22.675.886 4.203.371 0 1.022.801 1.243.844
% N TOTAL VENITURI DIN EXPLOATARE

0,01 2,64 2,51 0,47 0,00 0,11 0,14
Veniturile din diferenele de curs valutar rezult ca urmare a: >> operaiunilor de reevaluare a disponibilitilor bneti n valut din conturi curente, depozite i casierie; >> operaiunilor de reevaluare a creanelor provenite din activitatea de asigurare; >> operaiunilor de reevaluare a creanelor i datoriilor n valut provenite din activitatea de reasigurare. Veniturile nanciare (11.173.727 lei) cuprind: veniturile din dobnzi, de 11.168.888 lei i veniturile din dividende, de 4.839 lei, primite de la societatea Germanischer Lloyd, la care ASTRA deine titluri de participare. Veniturile din dobnzi au crescut cu 47% fa de 2008, cnd atingeau nivelul de 7.607.303 lei. Bugetul pentru investiii din 2009 s-a concretizat n cumprarea de aciuni n valoare de 5.403 lei. Cheltuielile nanciare, adic 4.229.992 lei, cuprind n principal dobnzi la contractele de leasing i contractele de credit. Cheltuielile administrative xe, de 79.599.016 lei, au crescut cu 24% fa de anul precedent (64.017.062 lei). Acestea concentreaz cheltuieli legate de salarii i contribuii aferente, taxe i impozite datorate la cldiri, terenuri, autoturisme, reparaii i ntreinere sedii, amortizare imobilizri corporale i imobilizri necorporale, cheltuieli cu serviciile potale i de telecomunicaii, cheltuieli de protocol, cheltuieli cu asigurrile imobilelor i autoturismelor societii, cheltuieli cu onorarii notari i avocai.
CONTUL DE PROFIT I PIERDERE

Venituri din prime brute subscrise Venituri din plasamente (dobnzi) Alte venituri din care: Alte venituri tehnice (regrese, diferene de curs) Alte venituri TOTAL VENITURI Cheltuieli cu daunele Cheltuieli de achiziie i administrare Alte cheltuieli (include cheltuieli rezerve, active cedate) TOTAL CHELTUIELI Rezultatul curent IMPOZIT PE PROFIT PROFIT NET
31.12.2007 (lei)
374.182.933 4.843.011 56.188.530 20.475.326
31.12.2008 (lei)
649.927.051 7.607.303 213.614.920 44.555.604 169.059.316 871.149.274 280.560.691 165.228.534 421.871.683 867.660.908 3.488.366 0 3.488.366
31.12.2009 (lei)
809.471.525 11.173.727 53.054.722 46.540.094 6.514.028 873.699.974 327.662.127 210.930.656 328.871.681 867.464.464 6.235.510 28.667 6.206.843
35.713.204
435.214.474 171.481.789 141.164.270 192.494.108 505.140.167 -69.925.693 0 -69.925.693
08
RAPORT ANUAL 2009
DATE FINANCIARE
II Coecienii de solvabilitate i lichiditate

Coecientul de solvabilitate n asigurri, ca raport ntre marja disponibil i cea minim, i coecientul de lichiditate la 31.12.2008: 2009 2007 2008 NIVEL MINIM
Asigurri generale coecient de solvabilitate coecient de lichiditate Asigurri de via coecient de solvabilitate coecient de lichiditate 2,26 1,11 16,23 4,8 1,91 1,08 8,27 1,34 1,54 1,34 10,02 1,40 1,0 1,0 1,0 1,0
II Bilanul contabil
Bilanul s-a ntocmit pe baza datelor nregistrate n contabilitate potrivit noilor reglementri contabile conforme cu directivele europene specice domeniului asigurrilor publicate, n ordinul C.S.A. nr.3129/2005. S-a efectuat inventarierea tuturor conturilor societii, pe baza Deciziei nr. 567/28.12.2009, n conformitate cu dispoziiile legale. Nu s-au realizat compensri ntre conturile bilaniere (de activ i pasiv), i nici ntre venituri i cheltuieli. Totalul activului la 31.12.2009 a fost de 1.129.974.137 lei, n cretere cu 38% fa de anul 2008, cnd acesta a fost de 818.903.098 lei.
ACTIVE
Activele necorporale n 2009 au fost n valoare de 19.176.128 lei, n cretere fa de 17.811.643 lei, n anul 2008, ca urmare a achiziiilor efectuate. Plasamente n imobilizri corporale: terenuri i construcii: 102.625.963 lei, n scdere cu 3% fa de 2008 (105.623.487 lei), ca urmare a cedrii unor active; >> imobilizri corporale n curs: 2.642.192 lei, n cretere cu 587% fa de 2008 (384.441 lei). Alte plasamente n imobilizri nanciare, 24.553.916 lei, n cretere cu 25% fa de anul 2008 (19.671.452 lei), se refer la: >> participaii: 23.730.930, n cretere cu 23% fa de anul precedent (19.312.265 lei). >> garanii: 822.986 lei, n cretere cu 129% fa de anul 2008 (359.187 lei).
>>
Alte plasamente nanciare 2009: 123.884.656 lei, includ depozitele bancare n lei i n valut (121.978.872), acestea din urm n cretere cu 31% fa de 31.12.2008 (92.878.505 lei).
Partea din rezerva tehnic aferent contractelor de reasigurare a fost de 119.871.608 lei, n cretere cu 85% comparativ cu 2008 (64.929.145 lei). Creanele din operaiuni de asigurare (prime brute subscrise i nencasate) au atins valoarea de 516.269.079 lei, cu 41% mai mult dect n 2008 (367.171.098 lei). Creanele din operaiuni de reasigurare pentru primiri i cedri n reasigurare au reprezentat 13.741.215 lei, cu 21 de procente mai mult dect n anul anterior (11.338.985 lei). Alte creane: 64.317.623 lei, n scdere cu 61% fa de anul 2008 (51.925131 lei). Valoarea imobilizrilor corporale i a avansurilor pentru imobilizri a fost de 7.484.149 lei, n scdere cu 11 procente. Stocuri n 2009 au fost n valoare de 1.263.338 lei i au nregistrat o cretere de 59% fa de 2008 (487.712 lei). Casa i conturile la bnci au atins nivelul de 24.247.665 lei, cu 95% mai mult dect n 2008 (12.425.597 lei).
PASIVE
Capitalul social subscris i vrsat a rmas nemodicat, la nivelul sumei de 192.712.534 lei. Rezerva din reevaluare 2009 a rmas nemodicat la 62.900.017 lei. Rezervele legale au crescut la 1.260.073 lei prin repartizarea cotei de 5% din protul realizat. Alte rezerve 2009 au rmas nemodicate n valoare de 22.738.835 lei. Rezervele tehnice brute 2009 au atins nivelul de 800.557.968 lei, cu 45% mai mult fa de anul 2008 (552.673.478 lei).
RAPORT ANUAL 2009
09
DATE FINANCIARE
REZERVE TEHNICE
Rezerve asigurri generale Rezerve de daun avizat Rezerve de daun neavizat Rezerve de catastrof Rezerve de prim Alte rezerve Rezerve asigurri via TOTAL
2007 (lei)
273.272.899 86.264.023 45.162.691 6.435.386 135.358.174 52.625 6.344.074 279.616.973
2008 (lei)
542.721.745 86.819.828 61.684.468 29.201.653 365.015.633 163 9.951.733 552.673.478
2009 (lei)
786.123.613 98.207.745 79.678.306 52.173.342 556.064.220 0 14.434.355 800.557.968
%
145 113 129 179 152 145 145
Datoriile din reasigurare au fost n 2009 de 45.533.416, mai mari cu 36% fa de ultimul an (33.469.189 lei). Alte datorii, inclusiv cele scale, au fost n valoare de 120.297.728 lei, n cretere cu 39%. Veniturile n avans au fost n scdere cu 89% i au reprezentat 22.735.960 lei. Acestea cuprind ncasrile din prime RCA i facultative n avans, contracte pentru care subscrierea a nceput dup 31.12.2009. Protul nregistrat la 31.12.2009 este n sum de 6.206.843 lei. ACTIV
Active necorporale Imobilizri necorporale Plasamente Terenuri i construcii Alte plasamente n imobilizri nanciare Alte plasamente nanciare Creane Lichiditi Cheltuieli de achiziie reportate Alte elemente de activ Total ACTIV
31.12.2007 (lei)
17.478.770 181.702.187 19.677.108 727.757 153.680.761 71.967.278 34.420.306 53.849.387 533.503.554
31.12.2008 (lei)
17.811.643 106.007.928 19.671.452 93.449.629 430.435.214 12.425.597 63.450.869 75.650.766 818.903.098
31.12.2009 (lei)
19.176.128 105.268.155 24.553.716 123.884.656 594.327.917 24.247.664 107.157.954 131.357.947 1.129.974.137
PASIV - CAPITAL I DATORII

Capitaluri proprii TOTAL Capital subscris i rezerve de capital Alte rezerve Rezerve din reevaluare Prot curent/pierdere curent Pierdere neacoperit Datorii subordonate Rezerve tehnice brute Rezerve de prime Rezerve matematice Rezerve de daune Rezerve pentru participare la benecii Rezerve catastrof Rezerve egalizare Datorii Venituri n avans Total PASIV
31.12.2007 (lei)
124.830.885 192.712.534 16.660.853 29.633.712 -69.925.693 -44.250.521 0 279.616.973 138.267.310 3.260.762 131.448.007 171.600 6.435.386 33.908 109.249.222 19.806.474 533.503.554
31.12.2008 (lei)
134.617.340 192.712.534 23.687.374 62.900.017 3.488.366 -148.170.951 552.673.478 369.293.534 1.427.659 148.968.440 163 29.201.653 0 119.584.989 12.027.291 818.903.098
31.12.2009 (lei)
140.824.182 192.712.534 23.998.908 62.900.017 6.206.843 -144.994.120 800.557.968 562.599.042 2.085.342 178.856.484 4.843.758 52.173.342 0 165.856.027 22.735.960 1.129.974.137
10
RAPORT ANUAL 2009
DATE FINANCIARE
II Evoluia activelor
1.200
1.130
1.000
2009
EVOLUIA ACTIVELOR TOTALE N PERIOADA 1991-2008

1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
VOLUMUL ACTIVELOR
620.000 2.057.100 5.629.900 10.011.200 15.112.200 27.805.100 53.225.900 75.789.300 108.496.600 114.857.500 115.132.600 150.657.200 299.955.100 315.980.100 350.787.025 412.811.038 533.503.554 818.903.098 1.129.974.137
CRETERE CU %
0 231,79 173,68 77,82 50,95 83,99 91,42 42,39 43,16 5,86 0,24 30,86 99,10 5,34 11,02 17,68 29,24 53,00 38
RAPORT ANUAL 2009
11
DATE FINANCIARE
II Contul tehnic al asigurrii generale (31.12.2009)

DENUMIREA INDICATORILOR
NR.RD.
REALIZRI AFERENTE PERIOADEI DE RAPORTARE

(lei) PRECEDENT CURENT
Venituri din prime nete de reasigurare a) venituri din prime brute subscrise (+) b) prime cedate n reasigurare (-) c) variaia rezervei de prime (+/-) d) variaia rezervei de prime, cedate n reasigurare (+ /-) TOTAL (rd. 01-02-03+04) Cota din venitul net (diferena ntre veniturile i cheltuielile din plasamente) al plasamentelor, transferat din contul netehnic (+) Alte venituri tehnice, nete de reasigurare (+) Cheltuieli cu daunele, nete de reasigurare a) daune pltite (rd. 09-10): - sume brute - partea reasigurtorilor (-) b) variaia rezervei de daune, net de reasigurare: (+/-) TOTAL (rd. 08+11) Variaia altor rezerve tehnice, nete de reasigurare, din care: a) Variaia rezervei pentru riscuri neexpirate (+/-) b) Variaia rezervei de catastrof (+/-) c) Variaia altor rezerve tehnice (+/-) TOTAL (rd. 13+14+15) Variaia rezervei pentru participare la benecii i risturnuri (+/-) Cheltuieli de exploatare nete a) cheltuieli de achiziie b) variaia sumei cheltuielilor de achiziie reportate (+/-) c) cheltuieli de administrare d) comisioane primite de la reasigurtori i participri la benecii (-) TOTAL (rd. 18+19+20-21) Alte cheltuieli tehnice, nete de reasigurare Variaia rezervei de egalizare(+/-) Rezultat tehnic al asigurrii generale Prot (rd. 05+06+07-12-16-17-22-23-24) Pierdere (rd. 12+16+17+22+23+24-05-06-07) 25 26 2.018.128 0 4.825.760 0 18 19 20 21 22 23 24 87.577.907 11.534.904 63.024.430 2.586.183 159.551.058 16.480.788 -33.908 138.741.319 -10.750.297 78.338.572 1.918.451 204.411.143 71.513.615 0 13 14 15 16 17 0 -2.486.364 0 -2.486.364 -18.554 0 715.378 0 715.378 -163 08 09 10 11 12 250.924.749 279.857.141 28.932.392 10.423.266 261.348.015 324.882.184 326.941.611 2.059.427 28.999.175 353.881.359 01 02 03 04 05 06 07 642.647.143 46.897.605 227.551.771 19.942.721 388.140.488 4.265.359 44.453.316 799.517.436 58.967.380 191.048.588 32.349.939 581.851.407 7.067.048 46.428.637
12
RAPORT ANUAL 2009
DATE FINANCIARE
II Contul tehnic al asigurrii de via (31.12.2009)

NR.RD.

Venituri din prime, nete de reasigurare a) venituri din prime brute subscrise (+) b) prime cedate n reasigurare (-) c) variaia rezervei de prime, net de reasigurare (+/-) TOTAL (rd. 01-02-03) Venituri din plasamente a) Venituri din participri la societile n care exist interese de participare, din care: - venituri din plasamente la societile aliate b) Venituri din alte plasamente cu prezentarea distinct a veniturilor din plasamente la societile aliate, din care: - venituri provenind din terenuri i construcii - venituri provenind din alte plasamente c) Venituri din ajustri pentru depreciere/pierdere de valoare a plasamentelor d) Venituri provenind din realizarea plasamentelor TOTAL (rd. 05+07+10+11) Plusvalori nerealizate din plasamente Alte venituri tehnice, nete de reasigurare Cheltuieli cu daunele, nete de reasigurare TOTAL (rd. 16+19) a) sume pltite (rd. 17-18): - sume brute - partea reasigurtorilor (-) b) variaia rezervei de daune (+/-) (rd.20-21 ) - suma brut - partea reasigurtorilor (-) Variaia rezervelor tehnice privind asigurrile de via TOTAL (rd. 23+26+29) a) variaia rezervei matematice (rd. 24-25) - suma brut - partea reasigurtorilor (-) b) variaia rezervei pentru participare la benecii i risturnuri (rd. 27-28) - suma brut - partea reasigurtorilor (-) c) variaia altor rezerve tehnice (rd. 30-31) - suma brut - partea reasigurtorilor (-) Variaia rezervei matematice aferente asigurrilor de via pentru care expunerea la riscul de investiii este transferat contractantului cedat n reasigurare (+/-) TOTAL (rd. 33-34) - suma brut - partea reasigurtorilor 32 33 34 0 0 0 0 0 0 22 23 24 25 26 27 28 29 30 31 1.797.458 -1.831.687 -1.833.103 -1.416 3.629.145 3.629.145 0 0 0 0 1.719.412 657.683 657.683 0 1.061.729 1.061.729 0 0 0 0 15 16 17 18 19 20 21 1.146.401 703.550 703.550 0 442.851 442.851 0 1.506.363 1.000.074 1.225.568 225.494 506.289 506.289 0 05 06 07 08 09 10 11 12 13 14 0 0 0 0 0 34.827 325.307 360.134 0 510 0 0 0 0 0 0 1.020.351 1.020.351 0 321 01 02 03 04 7.279.908 59.109 1.378.729 5.842.070 9.954.089 623.727 2.256.921 7.073.441
RAPORT ANUAL 2009
13
DATE FINANCIARE
NR.RD.

Cheltuieli de exploatare nete: a) cheltuieli de achiziii b) variaia sumei cheltuielilor de achiziii reportate c) cheltuieli de administrare d) comisioane primite de la reasigurtori i participri la benecii (-) TOTAL (rd. 35+36+37-38) Cheltuieli cu plasamente: a) cheltuieli de gestionare a plasamentelor, inclusiv cheltuielile cu dobnzile b) cheltuieli privind constituirea ajustrilor de valoare pentru plasamente c) pierderi provenind din realizarea plasamentelor TOTAL (rd. 40+41+42) Minusvalori nerealizate din plasamente Alte cheltuieli tehnice, nete de reasigurare Cota din venitul net al plasamentelor transferat n contul netehnic Rezultatul tehnic al asigurrii de via Prot (rd. 04+12+13+14-15-22-32-39-43-44-45-46) Pierdere (rd. 15+22+32+39+43+44+45+46-4-12-13-14) 40 41 42 43 44 45 46 47 48 28.274 0 0 28.274 0 0 0 139.288 0 64.794 0 0 64.794 0 0 0 202.482 0 35 36 37 38 39 2.098.661 0 992.632 0 3.091.293 3.340.618 0 1.260.444 0 4.601.062
II Contul netehnic (31.12.2009)

NR.RD.

PRECEDENT (lei) CURENT
Rezultatul tehnic al asigurrii generale Prot Pierdere Rezultatul tehnic al asigurrii de via Prot Pierdere Venituri din plasamente a) din participri la societile n care exist interese de participare din care venituri din plasamente la societile aliate b) din alte plasamente din care venituri din plasamente la societile aliate: - din terenuri i construcii - din alte plasamente c) din ajustri pentru depreciere/pierdere de valoare a plasamentelor d) din realizarea plasamentelor TOTAL (rd. 05+07+11+12) 05 06 07 08 09 10 11 12 13 24.776 0 0 0 0 0 235.693 8.043.700 8.304.169 4.839 0 0 0 0 0 0 11.289.402 11.288.241 03 04 139.288 0 202.482 0 01 02 2.018.128 0 4.825.760 0
14
RAPORT ANUAL 2009
DATE FINANCIARE
Plusvalori nerealizate din plasamente Cota din venitul net al plasamentelor transferat din contul tehnic al asigurrii de via Cheltuieli cu plasamentele TOTAL (rd. 17+18+19) a) cheltuieli de gestionare a plasamentelor, inclusiv cheltuielile cu dobnzile b) cheltuieli privind constituirea ajustrilor de valoare pentru plasamente c) pierderi provenind din realizarea plasamentelor Minusvalori nerealizate din plasamente Cota din venitul net al plasamentelor transferat n contul tehnic al asigurrilor generale Alte venituri netehnice Alte cheltuieli netehnice, inclusiv provizioanele i ajustrile de valoare Venituri din activitatea de administrare de fonduri de pensii facultative* Cheltuieli din activitatea de administrare de fonduri de pensii facultative* Prot din activitatea de administrare de fonduri de pensii facultative* (rd. 24-25) Pierdere din activitatea de administrare de fonduri de pensii facultative* (rd. 25-24)
14 15
0 0
0 0
16 17 18 19 20 21 22 23 24 25 26 27
NR.RD.
4.038.810 4.038.810 0 0 0 4.265.359 114.991.148 113.660.198 0 0 0 0
4.221.193 4.221.193 0 0 0 7.067.048 1.287.528 80.260 0 0 0 0

Rezultatul curent Prot (rd. 01-02+03-04+13+14+15-16-20-21+22-23+26-27) Pierdere (rd. 02-01+04-03-13-14-15+16+20+21-22+23-26+27) Venituri extraordinare Cheltuieli extraordinare Rezultatul extraordinare Prot (rd. 30-31) Pierdere (rd. 31-30) Venituri totale Cheltuieli totale Rezultat brut Prot (rd. 34-35) (28-29+32-33) Pierdere (rd. 35-34) (rd. 29-28+ 33-32) Impozit pe prot Alte impozite (care nu gureaz la poziiile precedente) Rezultatul net al exerciiului Prot (rd. 36-37-38-39) Pierdere (rd. 37+38+39-36) 40 41 3.488.366 0 6.206.843 0 36 37 38 39 3.488.366 0 0 0 6.235.510 0 28.667 0 32 33 34 35 0 0 871.149.274 867.660.908 0 0 914.826.763 908.591.253 28 29 30 31 3.488.366 0 0 0 6.235.510 0 0 0
RAPORT ANUAL 2009
15
RAPORT AUDIT
16
RAPORT ANUAL 2009
RAPORT AUDIT
RAPORT ANUAL 2009
17
ANALIZA PIE}EI 2009
O SCURT ANALIZ A PIEEI

Dup o perioad n care piaa asigurrilor a ieit pe plus, anul 2009 a adus o mare schimbare, ns nu una favorabil.
A fost un an al scderilor, lucru deloc surprinztor dac se ine cont de semnalele i tendinele consemnate trimestrial. Dac pn de curnd schimbrile de clasament erau favorizate de creteri consemnate peste media pieei, n 2009, schimbrile din topuri i ctigarea punctelor n cot de pia se produc ca urmare a scderilor sub media pieei. Exist, ns i excepii. Astra, Generali i Euroins sunt companiile care s-au ridicat pe timp de criz. Allianz-iriac i Omniasig s-au meninut pe primele dou locuri n ierarhia pe generale. Astra se situeaz pe locul al treilea, iar n 2009 a crescut cu peste 6% n EUR, a ctigat 1,7 puncte cot de pia i a urcat dou poziii n clasament. BCR Asigurri i Generali au urcat i ele cte o poziie n top. Asigurrile au ncheiat anul trecut pe minus, cu o scdere de circa 13% n euro. Singura clas pe care s-au consemnat creteri o reprezint asigurrile de Rspundere Civil Auto. Densitatea asigurrilor s-a meninut la nivel constant n lei, dar a sczut n euro. Conform raportului CSA pe 2009, activitatea de subscriere a riscurilor n asigurare i-a temperat evoluia n anul precedent. Specialitii sunt de prere c a fost afectat ndeosebi sectorul asigurrilor de via care a resimit mai acut reducerea creditrii, creterea omajului, scderea veniturilor populaiei i ateptrile pesimiste ale acesteia cu privire la sigurana nanciar. Chiar i n aceste condiii, piaa asigurrilor a raportat pentru 2009 un volum total de prime subscrise la un nivel apropiat de cel din anul 2008, spre deosebire de alte sectoare ale economiei romneti care au nregistrat un declin al activitii. Mai important dect dimensiunea pieei de asigurri este, ns, faptul c funcia sa de baz - aceea de plat a despgubirilor i indemnizaiilor ctre asigurai, pgubii i beneciari ai contractelor de asigurare a rmas nealterat. Astfel, volumul plilor efectuate de asigurtori n temeiul contractelor de asigurare nu a inut cont de criz, ci a nregistrat o cretere real, raportat la inaie, de circa 20%. Aceast evoluie a fcut ca despgubirile i indemnizaiile pltite s ajung s reprezinte mai mult de 60% din primele brute subscrise n acelai an. Raportul indemnizaii pltite/prime este chiar mai mare n cazul asigurrilor generale, de peste 70%, ceea ce nseamn c aproximativ trei sferturi din valoarea primelor se ntorc la asigurai i pgubii sub form de despgubiri pentru daunele suferite. La fel de important este faptul c piaa asigurrilor din Romnia a reuit, n 2009, s i conserve stabilitatea nanciar: solvabilitatea medie nregistrat pentru activitatea de asigurri generale a fost similar cu cea din 2008, n timp ce pentru activitatea de asigurri de via gradul mediu de solvabilitate a fost chiar mai mare dect n 2008.
18
RAPORT ANUAL 2009
EVENIMENTE
Al doilea an de parteneriat ASTRA Asigurri [i Federaia Romn de Atletism

n februarie 2009, ASTRA Asigurri anuna n cadrul unei conferine de pres organizate chiar n sala de desfurare a competiiilor sportive continuarea parteneriatului cu Federaia Romn de Atletism. Evenimentul s-a bucurat de participarea ocialilor FRA i ASTRA Asigurri, Sorin Matei, Preedinte FRA, Gabriela Szabo, Vicepreedinte FRA, Radu Mustea, Preedinte Directorat ASTRA Asigurri. ,,Ne onoreaz acest parteneriat ajuns la al doilea an de existen. Campionii naionali de azi sunt cei care vor reprezenta Romnia peste tot n lume la competiiile mondiale i olimpice. Ne bucurm s m alturi de ei oferindu-le i anul acesta tricourile de campion inscripionate cu logourile celor dou instituii, alturi de tricolorul romnesc. , a declarat Preedintele Directoratului ASTRA. ASTRA Asigurri sponsorizeaz discipline sportive precum: automobilism, fotbal, baschet, handbal, aviaie sportiv, Formula 1 pe Apa. Compania este alturi de numele mari ale performanei romneti, dar sprijin n egal msur i sportul de mas. Un astfel de proiect n care compania s-a implicat activ, ind cel dezvoltat de campioana Gabriela Szabo -,,Sport pentru Via.
Tricourile de campion oferite de Astra Asigurari
2009
Costin Moscovici-Mureseanu
Consilier imagine
RAPORT ANUAL 2009
19
EVENIMENTE
Arenele de joac
un proiect ce poart semntura
Pentru c micarea ncepe s devin din ce n ce mai important n viaa ecruia dintre noi, campania Sport pentru Via, demarat n 2006 de Gabriela Szabo, a reuit s strng n 2009 un numr de aproximativ 10.000 de participani. Parte a campaniei Sport pentru Via proiec, tul ,,Arenele de Joac este cel mai mare eveniment sportiv pentru copiii din ar i a ajuns n 2009 la a IV-a ediie. Aceast ediie a marcat i extinderea proiectului la nivel naional, Arenele de Joac desfurndu-se n acest an n alte patru orae n afar de Bucureti: Trgovite, Slatina i Cmpina. Evenimentul s-a remarcat prin dinamism, prin
20
RAPORT ANUAL 2009
GSzabo
implicarea activ a sportivilor la toate evenimentele organizate, printr-o bun promovare la nivel local i prin calitatea excelent a organizrii. n cadrul Arenelor de Joac au fost create 20 de zone de joac pentru sporturi precum fotbal, tenis, baschet, badminton, pentru jocuri (individuale sau de echip), dar i pentru activiti de familie. Compania ASTRA Asigurri a fost alturi de inimoii organizatori ai acestui eveniment n 2009, oferind celor 1.000 de copii nscrii la probele de cros tricouri co-branduite cu logoul ASTRA Asigurri i al campaniei ,,Sport pentru Via. De asemenea, compania a oferit ctigtorilor premii constnd n obiecte cu caracter sportiv.
abi
EVENIMENTE
La succesul acestui eveniment au contribuit demonstraiile sportivilor celebri pe terenurile de sport sau pe scen, interaciunea participanilor cu sportivii preferai, momentele artistice desfurate pe ntreg parcursul zilelor de eveniment, organizarea unei tombole pentru copii la nalul ecrei zile, dar i implicarea autoritilor locale. Sportivi renumii, printre care s-a numrat i Gabriela Szabo, au fost principalul ,,motor al competiiilor. Acetia au practicat alturi de cei mici sporturile la care sunt campioni, dar au luat parte i la alte aciuni. Jocurile au fost interactive sau de echip, special create ca s implice toat familia.
Obiectivele campaniei
Prin implicarea n Arenele de joac ASTRA Asigurri a creat o experien de , brand mai puternic, asigurnd evidenierea i promovarea acestuia, n sperana extinderii acestor campanii de ncurajare a sportului n rndul copiilor la nivel naional. Evenimentul a fost promovat prin intermediul mass-mediei locale, prin difuzarea de spoturi radio i TV, reclamele ind realizate cu vocea Gabrielei Szabo. Acestea au fost difuzate cu dou sptmni nainte de demararea campaniei. La nalul proiectului, cei implicai s-au artat ncntai de zilele petrecute n aer liber i dornici ca i n 2010 s ia parte la acest eveniment.
RAPORT ANUAL 2009
21
EVENIMENTE
Show-uri
powered by
Astra
Aeromania i Mamaia World Elite Acrobatic Formula sunt dou show-uri aviatice de excepie apreciate de pasionaii de avioane. Cele dou competiii au reuit s uneasc nume de succes ale aviaiei i piloi de renume.
Piloi de renume reunii pe acelai cer

World Elite Acrobatic Formula s-a desfurat n Mamaia. Aceasta este o competiie aviatic unic de vitez i precizie. Anterior, era cunoscut sub numele de JK Formula Evenimentul a fost organizat cu sprijinul Regional Air . Services n asociere cu Federaia Aeronautic Internaional. Acest fapt a garantat un spectacol deosebit, performan sportiv i artistic, dar i o maximizare a interesului din partea participanilor. Printre piloii de renume care au ncntat spectatorii s-au numrat Jurgis Kairys i piloii din cadrul Lotului Naional De Acrobaie al Romniei, Ramon Alonso, campion Mondial Absolut n 2007, Eric Vazeille, campion mondial absolut n 2000, Svetlana Kapanina i Zoltan Veres. i la acest eveniment, compania Astra Asigurri a fost prezent n calitate de partener, ind principalul Asigurtor. De asemenea, compania a avut un stand de ntmpinare a invitailor, unde au fost oferite pliante i informaii.
22
RAPORT ANUAL 2009
EVENIMENTE
Spectacol aerian la malul mrii

Spectacolele au fost oferite gratuit turitilor din Mangalia i Mamaia. Aeromania a avut loc pe plaja din Mangalia, iar cum acest ora nu are o tradiie n ceea ce privete organizarea show-urilor aeriene, Astra Asigurri, n parteneriat cu Regional Air Service-Aerodrom Tuzla, i-au asumat misiunea de a familiariza publicul cu domeniul aviaiei sportive ntr-un mod plcut i captivant. Implicarea Astra Asigurri n astfel de evenimente este de la sine neleas deoarece compania este Asigurtorul numrul 1 n piaa romneasc a asigurrilor de aviaie. Poziia de leader este demonstrat de cifre concludente. La nele semestrului I a anului 2009, ASTRA Asigurri a nregistrat o cretere a volumului primelor brute subscrise de 62% fa de perioada similar a lui 2008. Prin participarea la Aeromania, Astra Asigurri i-a reconrmat interesul pentru mitingurile i concursurile de aviaie, devenind partenerul ocial numrul 1 al acestui eveniment. n 2009, Aeromania-powered by Astra Asigurri i-a adus mpreun pe cei mai buni piloi romni i strini. Vedeta show-ului a fost multiplul campion i recordmen Jurgis Kairys, alturi de Zoltan Veres cel care a intrat n Cartea Recordurilor pentru cel mai mare numr de tonouri efectuate succesiv i Ali Ozturk cu celebrul avion biplan Purple Violet.
Adrenalin, vitez i spectacol. Astfel pot descrise cele dou evenimente aviatice importante care au avut loc pe litoral i la care Astra a participat ca principal Asigurtor.
RAPORT ANUAL 2009
23
EVENIMENTE
Astra, Asigurtorul ocial al
Class One Romania Grand-Prix 2009

Cunoscut deja romnilor, dar i celor pasionai de brci de peste hotare, Class One Romanian Grand Prix s-a bucurat i n 2009 de un real succes.
Class One World Powerboat Championship reprezint echivalentul pe ap al Formulei 1 i este cea mai spectaculoas curs de ambarcaiuni de mare putere din lume, o competiie alimentat de pasiune i adrenalin, ce atrage anual peste 1 milion de privitori i aproximativ 250 milioane de telespectatori. 10 echipe internaionale de piloi, copiloi i staff tehnic au intrat i n 2009 n aceast btlie de nalt clas tehnologic, de putere nanciar i miestrie a pilotajului, disputndu-i cel mai rvnit premiu din lumea sporturilor de vitez pe ap. Class One Romanian Grand Prix, etapa local a Class One World Powerboat Championship, a avut loc, pentru al treilea an consecutiv, pe lacul Siutghiol din Mamaia. Romanian Grand Prix 2009 a nsemnat un weekend cu adevrat spectaculos: dou curse pline de suspans, rsturnri de situaii, petreceri incendiare, experiene inedite, demonstraii i acrobaii impresionante n aer i pe ap! Dup trei ediii organizate n Romnia, Mamaia a devenit una din locaiile vedet ale Class One. Piloii declar c se simt aici ca acas: publicul este foarte primitor, iar Lacul Siutghiol, singura locaie cu ap dulce din campionat, ofer senzaii deosebite, permind atingerea unor viteze foarte mari. Evenimentul a debutat cu antrenamentul ocial, urmat de conferina de pres, parada ambarcaiunilor i prezentarea echipelor.
24
RAPORT ANUAL 2009
EVENIMENTE
Adrenalin i life-style
Scurta perioad petrecut n Romnia de participanii la cursa de pe malul Lacului Siutghiol a fost plin de culoare. Dac n timpul zilei, adrenalina a fost cuvntul de baz, serile au fost rezervate pentru socializare i petreceri. Petrecerea de bunvenit a fost organizat n Clubul Bamboo din Mamaia. Echipele Class One au avut parte de o noapte de vis: atmosfera a fost incendiar, abia spre diminea invitaii hotrndu-se s plece spre hotel. Momentul cel mai apreciat al serii a fost prezentarea uneia dintre coleciile lui Ctlin Botezatu. Rochiile elegante, coafurile sosticate i machiajele suprarealiste i-au impresionat pe toi cei prezeni la petrecere. A doua zi de eveniment a nceput spectaculos cu o demonstraie a uneia dintre cele mai apreciate echipe de acrobaii aeriene din lume. n prima curs Romanian Grand Prix, Maritimo 12 a dat mari emoii spectatorilor cnd ambarcaiunea lor s-a rsturnat din cauza vitezei prea mari ntr-una dintre ntoarceri. Hotelul Rex a fost gazda invitailor n cea de-a doua sear de eveniment, oferind Gala Dinner. Petrecerea a continuat pn trziu, cu prezentri de mod, momente live de sculptur n ghea, articii i ampanie. Romni, italieni, norvegieni, brazilieni, piloi i staff tehnic, organizatori i sponsori, au schimbat cri de vizit, au dansat pe ritmuri diverse, au mprtit poveti i amintiri. Primul moment spectaculos al zilei de duminic a fost ntrecerea dintre un elicopter i o ambarcaiune de mare putere. Aceasta a avut numeroi suporteri, cei mai fericii ind susintorii ambarcaiunii Nor Tech, care a ctigat pe muchie de cuit. Petrecerea de Rmas Bun din Office Temporary Lounge Mamaia a marcat ncheierea celei de-a treia ediii Class One Romanian Grand Prix. Momentele cel mai aclamate ale serii au fost prezentarea coleciei de costume de baie Ctlin Botezatu i concertul live. Cheful a alungat tristeea nvinilor i a fost un minunat prilej de srbtoare pentru cei care au urcat pe podium!
Un eveniment asigurat de Astra

n calitate de lider de pia pe segmentul maritim i de aviaie, dar i ca susintor fervent al competiiilor sportive, ASTRA Asigurri a fost Asigurtorul Ocial al Class One Romanian Grand Prix pentru al treilea an consecutiv. Class One a avut n ASTRA Asigurri un partener de maxim seriozitate i ncredere. Spre bucuria tuturor, competiia din 2009, de la Mamaia, s-a desfurat fr nici un fel de incident.
RAPORT ANUAL 2009
25
EVENIMENTE
Oltchim
Astra Asigurri a sprijinit campioana Romniei la handbal feminin, Oltchim. Demersul este lesne de neles deoarece Astra sprijin sportul i sportivii romni.
2009 a fost anul n care ASTRA Asigurri a mai ncheiat un parteneriat de succes - acela cu cea mai titrat echip a handbalului feminin romnesc - C.S. ,,Oltchim Rm. Vlcea. ASTRA Asigurri a furnizat n 2009 o poli de asigurare de via cu acoperirile aferente pentru lotul de juctoare i pentru managerii Clubului vlcean. ,,Suntem o companie de succes i ne asociem numai cu parteneri puternici, pe msura noastr., a precizat dl. Radu Mustea, Preedintele Directoratului ASTRA Asigurri, n cadrul evenimentului ocial, cnd a primit din partea Conducerii Clubului tricoul cu numrul 10 i o plachet de mulumire pentru implicarea i sprijinul acordate naltei performane din handbalul romnesc.
Radu Mustea
Preedinte Directorat ASTRA Asigurri
26
RAPORT ANUAL 2009
EVENIMENTE
,,Nu v dorim accidentri, dar dac vei avea probleme, putei sigure c vei despgubite n cele mai bune condiii. a mai precizat managerul ASTRA , Asigurri. ASTRA Asigurri este cea mai important companie din piaa de prol cu acionariat preponderent romnesc, care se implic activ n sprijinirea sportului i a sportivilor romni. Parteneriatul cu CS ,,Oltchim Rm. Vlcea continu i n 2010.
Ileana Ilie
Director sucursala Rm. Valcea
Imagini eveniment
Lansare ocial parteneriat
RAPORT ANUAL 2009
27
CONFERIN DE PRES
Astra Asigurri are propriul website dedicat vnzrii online a polielor de asigurare, www.astraonline.ro
n Decembrie 2009, n cadrul unei conferine de pres care a avut loc la AFI Palace Cotroceni, compania Astra Asigurri a anunat lansarea propriului website de vnzri directe de asigurri. Prin lansarea acestui portal, compania vine n sprijinul clienilor si, oferindu-le posibilitatea achiziiei facile de asigurri, direct din faa computerului de acas sau de la serviciu. www.astraonline.ro este adresa la care clienii din Romnia, persoane zice sau juridice, pot ncheia online polie de asigurare emise de Astra Asigurri. Din portofoliul companiei care numr peste 60 de tipuri de asigurri generale, via i sntate, cu derivatele acestora, pot achiziionate prin internet urmtoarele produse: RCA, CASCO, asigurarea obligatorie a locuinei PAD, asigurarea PAD complet i Imobilia, produsul complex pentru protecia complet a cminului, care include acoperirea riscului de accidente a membrilor familiei i rspunderea civil legal a acestora, asigurarea medical pentru cltorii n strintate, asigurarea malpraxis pentru avocai, malpraxis pentru cadrele medicale i malpraxis pentru agenii de asigurare.
Noul website www.astraonline.ro dedicat emiterii electronice a polielor de asigurare rspunde cerinelor de exibilitate i accesibilitate specice vnzrii online, aducnd cu sine o serie de avantaje pentru clienii notri: costul redus, rapiditatea emiterii, sigurana datelor personale, accesul facil la informaiile utile legate de produse, legislaie, condiii contractuale sau promoii. www.astraonline.ro este soluia pe care o propunem utilizatorilor de internet care doresc s i gestioneze singuri portofoliul de asigurri. Aceste produse sunt cele mai solicitate i reprezint peste 90% din portofoliu de retail al companiei declar Radu Mustea, Preedintele Directoratului , Astra Asigurri. ,,Unul dintre beneciile principale l reprezint faptul c poliele de asigurare ncheiate prin intermediul www.astraonline.ro pot pltite e online (cu cardul), e offline (prin oricare dintre modalitile de plat curente: numerar la ghieul bncilor partenere, transfer bancar, internet banking etc.), n ambele cazuri fr comision suplimentar. n plus, pentru asigurrile emise i pltite cu cardul online, un exemplar al polielor se poate printa imediat dupa procesul de plat. De asemenea, procesul de rennoire a polielor este foarte simplu, datele ind preluate din vechea poli de asigurare., a declarat Dacian Vinereanu, Vicepreedinte n Directoratul Astra Asigurri i iniiatorul proiectului. Compania i va diversica n viitor oferta de asigurri ce se pot ncheia pe site, n aa fel nct s acopere toate nevoile de asigurare ale clienilor si.
28
RAPORT ANUAL 2009
EDITORIAL
ASTRA ASIGURRI romanian protection

The year 2009 was a difficult year for everyone. The nancial crisis had an impact on all sectors and, implicitly, on the insurance sector. Even in these circumstances, as well as in 2008, the Astra Asigurri team showed that it can cope with all challenges and it managed to obtain a prot and grow in the middle of the nancial crisis. 2009 was for Astra Asigurri, a decisive year, when each market strategy lead to what the company is today the leader on the insurance market in Romania. Similar to the phrase Citius, altius, fortius we developed, we grew and we , consolidated our position during a difficult period. Thusly we proved that we are a strong, stable company which consolidated its statute of leader on the important sectors on the insurance eld. In conclusion, 2009 was a year of events to which we were main partners, events in various areas of activity, starting with sports, culture and nishing with the life-style. For example, in 2009 we had partnerships and we sponsored sports sectors like: sports aviation, handball, athletics, football, hockey on ice, rhythmical gymnastics, bob and sledge races, karting. We have not forgotten the importance of the cultural events, so that we accompanies the Comedy theater of Bucharest, the Romanian opera of Bucharest, we supported classical music concerts like Spring Music Flavors or December Music Flavors offered by the Romanian Athenaeum. Proposed and reached goals At the beginning of the year 2009 we determined a series of strategic goals among which we count: the continuation of the development of the facultative business lines, the launching of new products of life, medical and property insurance, as well as the development of those already found in our portfolio. Also on the list of the objectives we comprised the development of the partnerships in the regime of bancassurance and the accessing of some new sale channels, the consolidation of the position of leader on the sectors of aviation, maritime and property insurance, the rendering professional of the sales network and the increase of the quality of the services supplied to the insured parties. At the conclusion of the nancial year 2009, after a complex analysis of our activity, we found that we have successfully reached our goals. New projects implemented in 2009 In 2009, awe made the giant leap from the pencil tot eh space racket. This is how we like to call the implementing of the system for electronic subscription and portfolio management. It can be accessed today by all the agents and brokers partners of the company. Nowadays, the entire sales force of Astra Asigurari is equipped with a mobile laptop, of the size of a briefcase, connected to the internet, with a sprinter and a device for the generating of the electronic signature. Therefore, if before a client had to spend a quarter of an hour- twenty minutes in order to conclude an insurance policy, today the issuing of an insurance policy takes only a few minutes. The time spent in issuing the insurance policies has considerably decreased. Today, 99,9% of the subscribed policies by ASTRA Asigurari, are issued in electronic system.
ANNUAL REPORT 2009
01
EDITORIAL
Also, another important success of our company was the launching of the portal for the issuing in real time www.astraonline.ro. The realizing of this portal for direct sales is the consequence of the evolution of the company, of its dynamics and modernity , but also of our desire to be as close as possible to our clients, who access the internet services. Thusly we have chosen an efficient , security format, easily accessed even at home, by means of which we offer optimal insurance solutions for the important things in the life of each person. The events supported by ASTRA Asigurari 2009 was the year of the cultural and sports events. From a cultural point of view, we became involved as sponsors, in the organizing and support of the Spring Music Flavors and December Music Flavors concerts at the Romanian Athenaeum. Because we are the most important Romanian company on the insurance market, we also support the development of the cultural institutions of Romania, so that in 2009 we sponsored the Comedy theater and the Romanian opera from Bucharest. We accompanied the Romanian athletes also in 2009. We renewed the partnership with the Romanian Athletics Federation, we became involved in the campaign Sport pentru via by means of the event Arenele de joac , . Also, in double capacity of sponsor and participant we supported the Bucharest City Marathon. As partners, we offered insurance policies against the accidents of the athletes registered in the competition, and as participants, we entered the Corporate race with a hearty team of employees of the company, which placed 5th out of 81 teams registered in the competition. The position of leader in the eld of maritime insurance made us the official insurer of the Class One Romanian Grand-Prix which took place in Mamaia, in the period august 28th -30th, the event being the water equivalent of the Formula 1. Because the aviation insurance is another eld in which we proved our capacity of incontestable leader, in 2009 we became the Official insurers of the Mamaia World Elite Acrobatic Formula, which took place in the period july 10th 12th 2009 in Mamaia, and of Aeromania, which took place on august 22nd and 23rd, two aviation shows which brought together renowned competitors. Prizes won in 2009 If in the year 2008 the FinMedia Press Trust awarded us the prize for the Largest insurer class RC for air and naval transportation, in 2009 we received from the , magazine Companii de Asigurri de Top the prize for the best dynamics of a , company with gross subscribed premiums over 500 million lei The FinMedia . Press Trust and the magazine Piaa Financiar awarded us the prize the insurer of the year . Another prize obtained during the 2009 Edition of the Gala of the prizes of the insurers market, organized the magazine Xprimm Asigurari&Pensii was the Prize for the product of the year in general insurance for the assistance insurance for the resident. For the activity in 2009 the company received from the magazine Xprimm Asigurari&Pensii the prizes ,,Insurer of the year for the sector of general insurance and the Special prize for professionalism and Performance for the successful implementing of the electronic subscription system.
special award
INSURER OF THE YEAR 2009

category general insurance
offer by magazine XPrimm Asigurari&Pensii
Best wishes! Radu Mustea

President Directorate ASTRA Asigurri
Thus we proved that by means of team work , by means of strength and motivation, by means of the rigorous organization of the resources and priorities, we managed to grow and become stronger in an extremely difficult economic period. This is why I believe that the saying which ts us best in 2009 is: ,,Citius, altius, fortius!
02
ANNUAL REPORT 2009
ACIONARI PRINCIPALI
The company ASTRA Asigurri entered the insurance market as a strong and stable player even in the year 1991, when it parted from the former state company ADAS, thusly beneting from a vast experience on the national and international market of insurance and becoming the second company of private insurance in Romania. ASTRA Asigurri is one of the most capitalized companies on the national insurance market, having a share capital in the amount of 55 million EURO. With a network comprising over 250 headquarters in the entire country, ASTRA Asigurri offers its clients a complete territorial coverage. Lately ASTRA Asigurri has implemented new sales strategies and product strategies having as main advantages the modernizing and exibility of more than 60 types of general insurance, life and medical insurance in its portfolio, as well as the closeness with its insured parties. ASTRA Asigurari became a presence from the beginning on the eld market becoming one of the rst companies from the point of view of the turnover. The company improved its performance every year, in 2009 reaching top 3 of the Romanian companies in the eld market, and beginning with the month of June 2009 it became market leader in the property insurance. ASTRA Asigurri is a strong, stable company, market leader also for the maritime and aviation insurance.
Development directions
In 2009, the company has as strategic objectives: the continuation of the development of the facultative business lines, the launching of new products of life insurance, medical and property insurance, as well as the development of those already found in the portfolio, the development of the partnerships in the regime of bancassurance and the accessing of new sale channels, the consolidation of the position of leader on the sectors of aviation, maritime and property, the continuation of the rendering professional of the sales network and the increase of the quality of the services supplied to the insured parties.
ANNUAL REPORT 2009
03
FINANCIAL DATA
ROMNIA LIBER MEDIA GAMMA PUBLISHERS UNITED PRINT CMP
INTERNATIONAL BUSINESS CENTER MODERN BAUMEISTER CITY BUSINESS CENTER UNIREA SHOPPING CENTER MEGA CONSTRUCT
ASTRA ASIGURRI
ASIGURRI
MEDIA
CONSTRUCII
IMOBILIARE
ENERGIE
II TNG- The NOVA GROUP

TNG, ONE OF THE LARGEST HOLDINGS IN ROMANIA, HOLDS 72.68% OF COMPANY ASTRA ASIGURARI. THE GROUP DEVELOPED SEVERAL SUCCESSFUL COMPANIES COVERING A WIDE RANGE OF BUSINESS: INSURANCE, CONSTRUCTIONS, REAL ESTATE, MEDIA, AND POWER INDUSTRY.
The company Medien Holding includes the daily newspaper Romania libera, www.romanialibera.ro, the magazines Media Gamma Publishers, the printing house United Print, and Corporate Media Publishing, the communication and branding agency. Romnia liber, established in 1877, is the most long-lasting Romanian daily newspaper and it represents 133 years of credibility and independence. In March 2010, Romania libera was re-launched under a new editorial and graphic concept. With the most stable public among all general interest newspapers, Romania libera is a modern, dynamic, complex and attractive daily newspaper. Media Gamma Publishers - Hiparion magazines: CMINUL,
DOMUS, CASA MEA, PLANUL CASEI MELE, REVISTA DE UNELTE I ECHIPAMENTE, WWW.CASAMEA.RO website and CAMINUL DE 5 STELE weekly show, broadcasted on Prima Tv
CMP (Corporate Media Publishing) is the editor of 2 glossy magazines INSIGHT TAROM and SKY LADY and offers complete design and publishing services: nancial year books, internal magazines, business to business magazines, brochures, catalogues, press folders, etc. Baumeister is a construction company established in 1997, which executes industrial, environmental protection, and infrastructure constructions. A few of the objectives built by them are the following: Kauand Logistic Park Ploiesti, Corallia Holiday Apartments Mamaia, Unirea Shopping Center Braov, the manufacture lines and research center Yazaki in Ploiesti and Arad, Siemens Timisoara , as well as the construction structures of Opera Center, Europe House, Millenium Office Building, and Floreasca Tower in Bucharst. TNG is one of the real estate developers marking up the face of our Capital city, among thei buildings being Unirea Shopping Center, International Business Center Modern, and City Business Center. Other important real estate projects are in progress in Bucharest, Ploiesti and Constanta. Mega Construct distributes and delivers natural gas on the Romanian territory in eight concessions. Being in a permanent development course, S.C. MEGACONSTRUCT S.A. estimates that within 18 months it shall hold in its portfolio a number of about 4,500 customers, to whom it shall distribute and deliver 11,000,000 cubic metres of natural gas a year.
channel - offer a full coverage of real estate, constructions and interior design, construction equipment, as well as travel tips in Romania and abroad. United Print has been operating since 2001 and they print some of the most powerful names in the local media market: Romania libera, Academia Catavencu, Gazeta Sporturilor, Libertatea and maby other daily and weekly publications.
04
ANNUAL REPORT 2009
FINANCIAL DATA
II Financial landmarks ASTRA 2009

ASTRA S.A. was set up on January 1, 1991, based on Government Decision 1279/08.12.1990. The company is authorized to practice all kinds of optional insurance as provided by Law no. 32/2000, amended by Law no. 76/2003, including life insurance and civil responsibility insurance for damage to third parties in automobile accidents. At the same time, the company was delegated to manage and liquidate the reinsurance portfolio written by former ADAS, within the limits provided by the G.D. 1279/1990. The social capital written and paid of the company on December 31, 2009 was of 192,712,534 lei, at the level of the previous year, and contains 72,448,321 shares at the nominal value of 2.66 lei.
SHAREHOLDERS STRUCTURE HAS REMAINED THE SAME AS IN 2008:

SC NOVA TRADE SA: UNIQA INT BETEILIGUNGS NATURAL AND LEGAL PERSONS 140.069.256 52.063.132 580.146 72,68300 % 27,01596 % 0,30104 %
AT THE END OF 2009, THE SUPERVISION BOARD'S (C.A.) STRUCTURE WAS THE FOLLOWING
Dan Grigore Adamescu Alexander Bogdan Adamescu Ovidiu Botocan President Member Member
ON DECEMBER 31, 2009, THE DIRECTORSHIP'S STRUCTURE WAS THE FOLLOWING:

Radu Mustea Dacian Vinereanu Rzvan Ieremia President Vicepresident Member
In 2009 the prot achieved by the books was of Lei 6,206,843.00, against the prot by the books of lei 3,488,366.00, at the end of 2008. The subscribed gross premiums recorded by the company amounted to Lei 809,471,525.00, against lei 649,895,617.00 in the previous year, meaning an increase of 24.5 %.
2008
General insurance (lei) Life insurance (lei) TOTAL 642.615.709 7.279.908 649.895.617
2009
799.517.436 9.954.089 809.471.525
increase
24.4% 36.7% 24.5%
ANNUAL REPORT 2009
05
FINANCIAL DATA
II Gross written premiums

The volume of gross premiums written in 2009 was of 809.471.525 lei, a 25% increase compared to 649.895.617 lei in 2008.
TOTAL PREMIUMS WRITTEN 2009
(net without cancellation) (lei)
809.471.525 799.517.436 838.534.756 39.017.320 9.954.089 12.063.557 2.109.468
General insurance activity premiums written premiums canceled Life insurance activity premiums written premiums canceled
Gross premiums cashed from insurance activities in 2009 were of 675.073.270 lei, a 59% increase compared to 425.122.204 lei in 2008.
TOTAL PREMIUMS CASHED IN 2008 General insurance activity cashed premiums canceled premiums Life insurance activity cashed premiums canceled premiums
(lei)
675.073.270 665.706.224 704.723.544 39.017.320 9.367.046 11.476.514 2.109.468
Damage regularization from insurance consisted in payments of 327.662.127 lei, compared to 272.906.150 lei in 2008. A damage ratio compared to premiums written of 49% resulted, a 64% decrease compared to the gure reported in 2008. 2007
TOTAL (lei) general insurance damage life insurance damage 168.566.659 167.827.031 739.628
2008
272.906.150 272.202.606 703.550
2009
327.662.127 326.436.559 1.225.568
increase
20%
In 2009, incomes from insurance recovery and retention reached 23.864.808 lei, a 94% increase compared to 12.333.213 lei in 2008. Reinsurance activity resulted in a negative technical balance of 23,061,247 lei. The previous year, the negative technical balance was of 23.061.247 lei. Incomes from reinsurance reached 4.203.371 lei, an
decrease by 87% since 2008. Reinsurance expenses went up to 59.472.431 lei, 9% more than reported a year before. Expenses to attract insurers reached 127.991.022 lei, 46% higher than the gures reported in 2009. On December 31, 2009, the company had a network of 244 territorial units, of which 50 were branches. The number of employees increased to 1.561, from 1.498 in 2008.
06
ANNUAL REPORT 2009
FINANCIAL DATA
GROSS WRITTEN PREMIUMS (m. euro)

TYPES OF RISKS GROSS PREMIUMS 2007 GROSS PREMIUMS 2008 GROSS PREMIUMS 2009 GROWTH BY %
Means of terestrial transportation MTPL Fire and other goods damages Maritime and transportation Aviation Personal and life insurance Others TOTAL
136,05 154,67 20,76 9,28 13,68 16,69 22,87 374
374,96 154,67 44,02 10,36 22,85 18,01 25,02 649,89
294,27 286,37 135,52 11,74 34,28 20,84 26,45 809,47
-22 85 208 13 50 16 6 25
RATIO OF THE MAIN INSURANCE LINES IN TOTAL GENERAL INSURANCES 2009

sa n bu 1,4 Ot ild 7% he in r gs 4, M s 29 ar % itim Av e iat io n 67 %
100 1,23% Life insurance 4,64% Life insurance 5,44% Others 6,77% Goods and buildings 23,80% MTPL 1,64% Aviation 35,38% MTPL 16,74% Goods and buildings 4,24% Aviation 6,06% Others
CA SC O
M TP
35 ,8 2%
36 ,8 1%
16 ,9 5
80
20
40
60
PORTOFOLIO STRUCTURE IN 2008

57,70% CASCO
PORTOFOLIO STRUCTURE IN 2009

36,35% CASCO
4,
Go
od
ANNUAL REPORT 2009
07
FINANCIAL DATA
II Prot and loss account

A total of 77,16% of incomes from operations come from gross premiums written, a 74% increase in 2009 compared to the previous year. Incomes from operations also include other types of incomes. OTHER INCOMES FROM OPERATIONS
Incomes from asset yielding Incomes from regressions Incomes from exchange rates differences Incomes from reinsurance Incomes from commissions Incomes from rents Other incomes (penalties etc.)
lei
44.012 23.864.808 22.675.886 4.203.371 0 1.022.801 1.243.844
% FROM THE TOTAL OF INCOMES

0,01 2,64 2,51 0,47 0,00 0,11 0,14
Incomes from exchange rates differences result from: >> reevaluation of money available in foreign currency in current accounts, deposits and the cashiers; >> reevaluation of debits from insurance activities; >> reevaluation of debits and debts in foreign currency that come from insurance activities. Financial incomes (11.173.727 lei) include: incomes from interests, of 11.168.888 lei and incomes from dividends, of 4.839 lei, from Germanischer Lloyd, in which ASTRA owns participation titles. Incomes from interests increased by 47% since 2008, when they reached 7.607.303 lei. The investment budget for 2009 was used for buying shares worth 5,403 lei. Financial expenses, of 4.229.992 lei, mainly contain interest rates from leasing contracts and credit contracts. Set administrative expenses, of 79.599.016 lei, increased by 24% since the previous year (64.017.062 lei). These expenditures include expenses on salaries and other related contributions, taxes for buildings, land, cars, headquarters repair and maintenance, redeeming corporal and non-corporal immobilization investments, expenses on postal and telecommunication services, protocol, insuring the companys buildings and vehicles, expenses on notary and lawyer fees.
PROFIT AND LOSS ACCOUNT (lei)

Income from gross premiums Income from placements (interest rates) Other income of which
Other technical income (regressions, exchange rates differences) Other income
31.12.2007 (lei)
374.182.933 4.843.011 56.188.530 20.475.326
31.12.2008 (lei)
649.927.051 7.607.303 213.614.920 44.555.604 169.059.316 871.149.274 280.560.691 165.228.534 421.871.683 867.660.908 3.488.366 0 3.488.366
31.12.2009 (lei)
809.471.525 11.173.727 53.054.722 46.540.094 6.514.028 873.699.974 327.662.127 210.930.656 328.871.681 867.464.464 6.235.510 28.667 6.206.843
35.713.204
435.214.474 171.481.789 141.164.270 192.494.108 505.140.167 -69.925.693 0 -69.925.693
TOTAL INCOME Expenses with damages Acquisition and administrative expenses Other expenses TOTAL EXPENSES Current result PROFIT TAX PE PROFIT NET PROFIT
08
ANNUAL REPORT 2009
FINANCIAL DATA
II Solvency and liquidity ratios

The Solvency ratio in insurance, as a ratio between the available solvency margin and the minimum margin, and the liquidity ratio on December 31, 2009: 2007
General insurance solvency ratio liquidity ratio Life insurance solvency ratio liquidity ratio 2,26 1,11 16,23 4,8
2008
1,91 1,08 8,27 1,34
2009
1,54 1,34 10,02 1,40
MINIMUM LEVEL
1,0 1,0 1,0 1,0
II Balance sheet
The balance sheet was put together based on data registered with the accounting office, under new accounting regulations in line with specic European directives for the eld of insurance, as published by order C.S.A. no. 3129/2005. All accounts of the company have been inventoried, based on Decision no. 587/29.12.2008, according to legal provisions. No compensations were operated between balance accounts (active and passive) or between incomes and expenditures. Asset total on 31.12.2009 was of 1.129.974.137 lei, a 38% increase since 2008, when asset total reached 818.903.098 lei.
ASSETS
Non-corporal assets in 2009 worth 19.176.128 lei, higher than 17.811.643 lei in 2008, following the acquisitions that were carried out. Investments in corporal immobilizations >> Land and construction: 102.625.963 lei, a 3% drop since 2008 (105.623.487 lei), following the ceding of some assets >> Ongoing corporal immobilizations: 2.642.192 lei, a 587% increase since 2008 (384.441 lei). Other investments in nancial immobilizations, 24.553.916 lei, 24 % higher compared to 2008 (19.671.452 lei), refer to: >> participations: 23.730.930, a 23% increase since the previous year (19.312.265 lei). >> guarantees: 822.986 lei, a 129% increase since 2008 (359.187 lei). Other nancial investments in 2009: 123.884.656 lei, include banking deposits in lei and exchange (121.978.872 lei), the last ones growing by 31% than in December 2008 (92.878.505 lei). The technical reserve share corresponding to reinsurance contracts was of 119.871.608 lei, a 85% increase compared to 2008 (64.929.145 lei). Debits from insurance operations (gross written premiums and non-cashed) reached 516.269.079 lei, 41% higher than in 2008 (367.171.098 lei). Debits from reinsurance operations for risk transfer out or in, as part of reinsurance, were of 13.741.215 lei, 21% more than the previous year (11.338.985 lei). Other debts: 64.317.623 lei, 61% less than in 2008 (51.925131 lei). Value of corporal immobilizations and advance payments for immobilization was of 7.484.149 lei, a 11% increase. Reserves in 2009 reached 1.263.338 lei, reporting a 59% decrease since 2008 (487.712 lei). Cash and bank accounts reached a level of 24.247.665 lei, 95% less than in 2007 (12.425.597 lei).
LIABILITIES
Social capital underwritten and paid remained the same, at 192,712,534 lei. Reevaluation reserve in 2009 reached 1.260.073 lei, 5%. Legal reserves increased up to 1.260.073 lei, by allocating the 5% quota of the achieved prot. Other reserves in 2009 remained the same 22,738,835 lei. Gross technical reserves in 2009 reached 800.557.968 lei, 45% more than in 2008 (552.673.478 lei).
ANNUAL REPORT 2009
09
FINANCIAL DATA
TECHNICAL RESERVES
General insurance reserves Approved damage reserves Non-approved damage reserves Natural disaster reserves Premium reserves Other reserves Life insurance reserves TOTAL
2007 (lei)
273.272.899 86.264.023 45.162.691 6.435.386 135.358.174 52.625 6.344.074 279.616.973
2008 (lei)
542.721.745 86.819.828 61.684.468 29.201.653 365.015.633 163 9.951.733 552.673.478
2009 (lei)
786.123.613 98.207.745 79.678.306 52.173.342 556.064.220 0 14.434.355 800.557.968
%
145 113 129 179 152 145 145
Debts from reinsurance in 2009 reached 45.533.416, 36% higher than the last year (33.469.189 lei). Other debts, including in taxes, reached 120.297.728 lei, a 39% increase. Advance incomes dropped by 89%, to 22.735.960 lei. They include incomes from RCA and optional premiums in advance, contracts for which the underwritten period began after 31.12.2009. The prot reported by this date was of 6.206.843 lei.
ASSETS
Non-corporal assets Non-corporal imobilization Investments Land and constructions Other investments in nancial immobilization Other nancial investments Debits Liquidities Reported acquisition Other active elements Total ACTIVE
31.12.2007 (lei)
17.478.770 181.702.187 19.677.108 727.757 153.680.761 71.967.278 34.420.306 53.849.387 533.503.554
31.12.2008 (lei)
17.811.643 106.007.928 19.671.452 93.449.629 430.435.214 12.425.597 63.450.869 75.650.766 818.903.098
31.12.2009 (lei)
19.176.128 105.268.155 24.553.716 123.884.656 594.327.917 24.247.664 107.157.954 131.357.947 1.129.974.137
LIABILITIES - CAPITAL AND DEBTS

Own capitals TOTAL Under-written capital and capital reserves Other reserves Reserves from reevaluation Current prot/loss Uncovered loss Subordinated debts Gross technical reserves Premium reserves Mathematical reserves Damage reserves Benet participation reserves Catastrophe reserves Equalization reserves Debts Advance incomes Total
31.12.2007 (lei)
124.830.885 192.712.534 16.660.853 29.633.712 -69.925.693 -44.250.521 0 279.616.973 138.267.310 3.260.762 131.448.007 171.600 6.435.386 33.908 109.249.222 19.806.474 533.503.554
31.12.2008 (lei)
134.617.340 192.712.534 23.687.374 62.900.017 3.488.366 -148.170.951 552.673.478 369.293.534 1.427.659 148.968.440 163 29.201.653 0 119.584.989 12.027.291 818.903.098
31.12.2009 (lei)
140.824.182 192.712.534 23.998.908 62.900.017 6.206.843 -144.994.120 800.557.968 562.599.042 2.085.342 178.856.484 4.843.758 52.173.342 0 165.856.027 22.735.960 1.129.974.137
10
ANNUAL REPORT 2009
FINANCIAL DATA
II Asset Evolution
1.200
1.130
1.000
2009
EVOLUTION OF COMPANY ASSETS

1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
VOLUME OF ASSETS
620.000 2.057.100 5.629.900 10.011.200 15.112.200 27.805.100 53.225.900 75.789.300 108.496.600 114.857.500 115.132.600 150.657.200 299.955.100 315.980.100 350.787.025 412.811.038 533.503.554 818.903.098 1.129.974.137
INCREASE BY %
0 231,79 173,68 77,82 50,95 83,99 91,42 42,39 43,16 5,86 0,24 30,86 99,10 5,34 11,02 17,68 29,24 53,00 38
ANNUAL REPORT 2009
11
FINANCIAL DATA
II Technical account of general insurance (31.12.2009)

INDICATOR NAME
NR.RD.
AMOUNTS DURING THE PERIOD UNDER SCRUTINY (lei)

PRECEDENT CURENT
Incomes from net reinsurance premiums a) incomes from gross premium written (+) b) premiums transferred out under reinsurance (-) c) premium reserve variation (+/-) d) variation of premium reserve transferred out under reinsurance (+/-) TOTAL (lines 01-02-03+04) Net income quota (difference between investment incomes and expenses or investment transferrred from non-technical account (+) Other technical incomes, net for reinsurance (+) Expenses with damage payments, net for reinsurance a) paid damage (lines 09-10) - gross amounts - reinsurers' share (-) b) damage reserve variation, net for reinsurance (+/-) TOTAL (lines 08+11) Other technical reserves' variation, net for reinsurance, of which: a) Variation of reserve for unexpired risks (+/-) b) Catastrophe reserve variation (+/-) c) Other technical reserves' variation (+/-) TOTAL (lines 13+14+15) Variation of reserves for participation in benets and returns (+/-) Net exploitation expenses a) acquisition expenses b) variation of reported acquisition expenses (+/-) c) administration expenses d) commisions from reinsurers and benet participants (-) TOTAL (lines 18+19+20-21) Other technical expenses, net for reinsurance Equalization reserve variation (+/-) Technical result of general insurance Prot (lines 05+06+07-12-16-17-22-23-24) Loss (lines 12+16+17+22+23+24-05-06-07) 25 26 2.018.128 0 4.825.760 0 18 19 20 21 22 23 24 87.577.907 11.534.904 63.024.430 2.586.183 159.551.058 16.480.788 -33.908 138.741.319 -10.750.297 78.338.572 1.918.451 204.411.143 71.513.615 0 13 14 15 16 17 0 -2.486.364 0 -2.486.364 -18.554 0 715.378 0 715.378 -163 08 09 10 11 12 250.924.749 279.857.141 28.932.392 10.423.266 261.348.015 324.882.184 326.941.611 2.059.427 28.999.175 353.881.359 01 02 03 04 05 06 07 642.647.143 46.897.605 227.551.771 19.942.721 388.140.488 4.265.359 44.453.316 799.517.436 58.967.380 191.048.588 32.349.939 581.851.407 7.067.048 46.428.637
12
ANNUAL REPORT 2009
FINANCIAL DATA
II Technical account of life insurance (31.12.2009)

INDICATOR NAME
NR.RD.
AMOUNTS DURING THE PERIOD UNDER SCRUTINY(lei) PRECEDENT CURENT
Incomes from net reinsurance premiums a) incomes from gross premiums written (+) b) premiums transferred out under reinsurance (-) c) premium reserve variation, net for reinsurance (-) TOTAL (lines 01-02-03) Investment incomes a) Incomes from participations in companies where there are participation interests, of which: - incomes from investments in affiliated companies b) Incomes from other investments with presentation of incomes from investment into affiliated companies - incomes from land and constructions - incomes from other investments c) Incomes fom depreciation/loss of investment value adjustment d) Incomes from investment completion TOTAL (lines 05+07+10+11) Capital gains not from investment Other technical incomes, net for reinsurance Expenses with damage payments, net for reinsurance TOTAL (lines 16+19) a) paid amounts (lines 17-18) - gross amounts - reinsurers' share (-) b) damage reserve variation (+/-) (lines 20-21) - gross amount - reinsurers' share (-) Technical reserves' variation on life insurance TOTAL (lines 23+26+29) a) mathematical reserve variation (lines 24-25) - gross amount - reinsurers' share (-) b) variation of reserves for participation in benets and returns (lines 27-28) - gross amount - reinsurers' share (-) c) other technical reserves' variation (lines 30-31) - gross amount - reinsurers' share (-) Variation of mathematical reserve associated with life insurance for which investment risks are transferred to the contractor, under reinsurance (=/-) TOTAL (lines 33-34) - gross amount - reinsurers' share (-) 32 33 34 0 0 0 0 0 0 22 23 24 25 26 27 28 29 30 31 1.797.458 -1.831.687 -1.833.103 -1.416 3.629.145 3.629.145 0 0 0 0 1.719.412 657.683 657.683 0 1.061.729 1.061.729 0 0 0 0 15 16 17 18 19 20 21 1.146.401 703.550 703.550 0 442.851 442.851 0 1.506.363 1.000.074 1.225.568 225.494 506.289 506.289 0 05 06 07 08 09 10 11 12 13 14 0 0 0 0 0 34.827 325.307 360.134 0 510 0 0 0 0 0 0 1.020.351 1.020.351 0 321 01 02 03 04 7.279.908 59.109 1.378.729 5.842.070 9.954.089 623.727 2.256.921 7.073.441
ANNUAL REPORT 2009
13
FINANCIAL DATA
INDICATOR NAME
NR.RD.
AMOUNTS DURING THE PERIOD UNDER SCRUTINY

PREVIOUS (lei) CURRENT (lei)
8. Net exploitation expenses a) acquisition expenses b) variation of reported acquisition expenses c) administration expenses d) commissions from reinsurers and benet participants (-) TOTAL (lines 35+36+37-38) 9. Investment expenses: a) investment management expenses, including interests expenses b) expenses for investment value adjustment c) losses from investment completion TOTAL (lines 40+41+42) 10. Capital losses not from investment 11. Other technical expenses, net for reinsurance 12. Quota of net income from investment transffered to non-technical account 13. Technical result of life insurance Prot (lines 04+12+13+14-15-22-32-39-43-44-45-46) Loss (lines 15+22+32+39+43+44+45+46-4-12-13-14) 40 41 42 43 44 45 46 47 48 28.274 0 0 28.274 0 0 0 139.288 0 64.794 0 0 64.794 0 0 0 202.482 0 35 36 37 38 39 2.098.661 0 992.632 0 3.091.293 3.340.618 0 1.260.444 0 4.601.062
II Non-technical account (31.12.2009)

INDICATOR NAME
NR.RD.
AMOUNTS DURING THE PERIOD UNDER SCRUTINY PREVIOUS (lei) CURRENT (lei)
Technical result of general insurance Prot Loss Technical result of life insurance Prot Loss Incomes from investments a) Incomes from participations in companies where there are participation interests of which incomes from investments in affiliated companies b) Incomes from other investments of which, incomes from investments in affiliated companies - incomes from land and constructions - incomes from other investments c) Incomes from depreciation/loss of investment value adjustment d) Incomes from investment completion TOTAL (lines 05+07+11+12) 03 04 139.288 0 202.482 0 01 02 2.018.128 0 4.825.760 0
05 06 07 08 09 10 11 12 13
24.776 0 0 0 0 0 235.693 8.043.700 8.304.169
4.839 0 0 0 0 0 0 11.289.402 11.288.241
14
ANNUAL REPORT 2009
FINANCIAL DATA
Capital gains not from investments Quota of net income from investments transferred from the technical account of life insurance Investment expenses TOTAL (lines 17+18+19) a) investment management expenses, including interests expenses b) expenses for investment value adjustment c) losses from investment completion Capital losses not from investments Quota of net income from investments tranferred into the general insurance technical account Other non-technical incomes Other non-technical incomes, including commissions and value adjustments Incomes from administration of optional pension funds* Expenses on administration of optional pensions funds* Prot from the administration of the optional pension funds* (lines 24-25) Losses from the administration of optional pension funds* (lines 25-24)
14 15
0 0
0 0
16 17 18 19 20 21 22 23 24 25 26 27
NR.RD.
4.038.810 4.038.810 0 0 0 4.265.359 114.991.148 113.660.198 0 0 0 0
4.221.193 4.221.193 0 0 0 7.067.048 1.287.528 80.260 0 0 0 0
INDICATOR NAME
AMOUNTS DURING THE PERIOD UNDER SCRUTINY PREVIOUS (lei) CURRENT (lei)
Current result Prot (lines 01-02+03-04+13+14+15-16-20-21+22-23+26-27) Loss (lines 02-01+04-03-13-14-15+16+20+21-22+23-26+27) Extraordinary incomes Extraordinary expenses Extraordinary result Prot (lines 30-31) Loss (lines 31-30) Total incomes Total expenses Gross result Prot (lines 34-35); (lines 28-29+32-33) Loss (lines 35-34); (lines 29-28+33-32) Tax on prot Other taxes (not mentioned above) Net result of operations Prot (lines 36-37-38-39) Loss (lines 37+38+39-36) 40 41 3.488.366 0 6.206.843 0 36 37 38 39 3.488.366 0 0 0 6.235.510 0 28.667 0 32 33 34 35 0 0 871.149.274 867.660.908 0 0 914.826.763 908.591.253 28 29 30 31 3.488.366 0 0 0 6.235.510 0 0 0
ANNUAL REPORT 2009
15
AUDIT REPORT
16
ANNUAL REPORT 2009
AUDIT REPORT
ANNUAL REPORT 2009
17
BRIF MARKET 2009
BRIEF MARKET REVIEW

After a period when the insurance market outcome was positive, year 2009 brought a large, however adverse change.
That was a year of decreases, which is not surprising at all, if considering the signals and trends quarterly recorded. If not long ago the changes of classication were favored by increases recorded over the market average, in 2009 the changes in classications and the winning of market quotation points occur as a result of the decreases below the market average. There are still exceptions. Astra, Generali and Euroins are the companies which went higher in times of crisis. Allianz-Tiriac and Omniasig maintained their rst two places in the hierarchy of general insurances. Astra is on the third place, and in 2009 it increased by more than 6% in EUR, it won 1.7 market quotation points and it went up by 2 positions in the classication. BCR Asigurari and Generali also went up by one position in the classication. The outcome of insurances in the last year was negative, with a decrease of about 13% in Euro. The only class where there were increases recorded is represented by the Motor Vehicle Civil Liability insurances. The insurance density maintained its constant level in Lei, but it decreased in Euro. According to the report of CSA for 2009, the activity of risk subscription in insurances slowed down its evolution in the last year. The opinion of experts is that there was mainly affected the sector of life insurance, which felt deeper the reduction of crediting, the increase of unemployment, the decrease of population income, and their pessimistic expectations with respect to their nancial safety. Even under these circumstances, the insurance market reported for 2009 a total volume of subscribed premiums at a level close to the one in 2008, unlike other sectors of Romanian economy, which recorded a decline of their activity. However, more important than the dimension of the insurance market is the fact that its basic function payment of indemnications and allowances to the insured, injured and beneciaries of insurance policies remained unchanged. Thus, the volume of payments made by the insurers under the insurance agreements was barely affected by the crisis, but it recorded a real increase, as related to the ination, of about 20%. This evolution made the indemnications and the allowances represent more than 60% of the subscribed gross premiums in the same year. The ratio paid allowances / premiums is even higher in the case of general insurances, by more than 70%, which means that about three quarters of the premium amount returns to the insured and injured in form of indemnications for the damages suffered by them. As important is the fact that the insurance market in Romania succeeded in 2009 to maintain its nancial stability: the average solvency as recorded for the activity of general insurance was similar to the one in 2008, while for the activity of life insurance the average level of solvency was even higher than in 2008.
18
RAPORT ANUAL 2009
EVENTS
2009
The second year of the partnership between ASTRA Asigurri and The Romanian Athletics Federation
In February 2009, ASTRA Asigurari announces as part of a press conference organized in the very room for the carrying out of the sports competitions, the continuation of the partnership with The Romanian Athletics Federation. The event was attended by the official representatives of FRA and ASTRA Asigurari, Sorin Matei, President of FRA, Gabriela Szabo, Vice-president of FRA, Radu Mustatea, President of the Directorate of ASTRA Asigurari. ,,We are honored by this partnership which has reached its second year of existence. Todays national champions are those who will represent Romania everywhere in the world at the world and Olympics competitions. We are happy to accompany them offering them this year too the champion t-shirts inscribed with the logos of the two institutions, together with the Romanian t-shirt. declared the President of the ASTRA , Directorate. ASTRA Asigurari sponsors sports areas like: handball, sports aviation, car racing, football, basketball, Formula 1 on water. The company accompanies the important names of the Romania performance, but in the same extent it also supports the mass sports. Such a project, in which the company was actively involved, being the one developed by the champion Gabriela Szabo-,,Sport pentru Viata,,.
Tricourile de campion oferite de Astra Asigurari
Costin Moscovici-Mureseanu
Consilier imagine
RAPORT ANUAL 2009
19
EVENTS
The play arenas

a project signed
Because movement becomes more and more important in the life of each of us, the campaign Sport pentru Via launched in 2006 by , Gabriela Szabo, managed to gather in 2009 a number of approximately 10.000 participants. Part of the campaign Sport pentru Via the , project ,,Arenele de Joac is the largest sports event for the children in the country and in 2009 it reached its 4th edition. This edition also marked the extension of the project at the national level, Arenele de Joac being carried out this year in four other cities apart from Bucharest: in Trgovite, Slatina and Cmpina. The event was marked by dynamism, by the active involvement of the athletes in all the
20
ANNUAL REPORT 2009
GSzabo
organized events, by good promoting at the local level and by the excellent quality of the organization. Within the Play arenas one has accreted 20 play areas for sports like football, tennis, basketball, for games (individual or team ones), but for family activities as well. The company ASTRA Asigurari accompanied the generous organizers of this event in 2009, offering to the 1.000 children registered in the cross contests t-shirts with the logo of ASTRA Asigurri and of the company ,,Sport pentru Via. Also, the company offered to the winners prizes consisting of objects with a sports nature.
abi
EVENTS
To the success of this event contributed the demonstrations of the famous athletes on the sport eld and on the stage, the interaction of the participants with their favorite athletes, the artistic moments carried out throughout the entire days of the event, the organizing of a lottery for the children at the end of each day but also the involvement of the local authorities. Renowned athletes, among which one counted Gabriela Szabo, were the main ,,engine of the competitions. They practiced with the children the sports in which they are champions, but they also took part in other activities. The games were interactive or team games, specially created to involve the entire family.
The objectives of the campaign

By means of its involvement in Arenele de joac ASTRA Asigurri has , presented a stronger brand experience, ensuring its presence and promotion, in the hope of extending these campaigns for the encouragement of sports among children at the national level. The event was promoted by means of the local media, by means of broadcasting radio and TV spots, the advertisements being done with the voice of Gabriela Szabo. These were broadcast two weeks before the start of the campaign. At the end of the project, those involved were enchanted by the days spent outdoors and were eager to take part in this event also in 2010.
ANNUAL REPORT 2009
21
EVENTS
Show-uri
powered by
Astra
Aeromania and Mamaia World Elite Acrobatic Formula are two exceptional air shows largely appreciated by the people keen on the aircraft. The two competitions succeeded in reuniting names of success in the aviation and famous pilots.
Famous Pilots Reunited on a Common Sky

World Elite Acrobatic Formula took place in Mamaia. This is a unique aviation competition of speed and accuracy. It had been previously known under the name of JK Formula The event was organized with the support of Regional . Air Services in partnership with International Aeronautical Federation. This fact guaranteed a very special show, sports and artistic performance, as well as the maximization of interest by the participants. The following were among the famous pilots who enchanted the spectators: Jurgis Kairys, and the pilots of National Aerobatics Team of Romania, Ramon Alonso, absolute world champion in 2007, Eric Vazeille, absolute world champion in 2000, Svetlana Kapanina and Zoltan Veres. ASTRA Insurance Company was again present in this event in its capacity of partner, as the main Insurer. Also, the company had a meeting stand for the invitees, where brochures and information were provided.
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RAPORT ANUAL 2009
EVENTS
Air Show at the Seaside

The shows were offered free of charge to the tourists in Mangalia and in Mamaia. Aeromania took place on the beach of Mangalia and, as this town has no such tradition related to the organization of air shows, ASTRA Asigurari, in partnership with Regional Air Service Aireld of Tuzla, took the mission of familiarizing the audience with the eld of sport aviation in a pleasant and attractive manner. The implication of ASTRA Asigurari in such events is intrinsically understood since the company is the number 1 Insurer on the Romanian market for the aviation insurances. The position of a leader is demonstrated by conclusive gures. At the end of 1st semester of 2009, ASTRA Asigurari recorded an increased volume of subscribed gross premiums of 62% against the similar period of 2008. By the participation in Aeromania, ASTRA Asigurari reconrmed their interest for the aviation meetings and contests, thus becoming the number 1 official partner of this event. In 2009, Aeromania - powered by ASTRA Asigurari brought together the best Romanian and foreign pilots. The star of the show was the multiple champion and record-man Jurgis Kairys, next to Zoltan Veres the one who entered the Book of Records for the highest amount of longitudinal rollovers successively performed, and Ali Ozturk with his famous bi-plane aircraft Purple Violet.
Adrenaline, speed and show. That is how one could describe the two important aviation events which took place at the seaside, where ASTRA participated as the main insurer.
RAPORT ANUAL 2009
23
EVENTS
Astra, Asigurtorul ocial al
Class One Romania Grand-Prix 2009

Cunoscut deja romnilor, dar i celor pasionai de brci de peste hotare, Class One World Powerboat Championship s-a bucurat i n 2009 de un real succes.
Already known both to the Romanians and to those keen on boats abroad, Class One Romanian Grand Prix enjoyed a real success in 2009 as well. Class One World Powerboat Championship represents the equivalent on water of Formula 1, and it is the most spectacular race of high power boats in the world, a competition supplied by passion and adrenaline, which annually attracts more than 1 million spectators and about 250 million TV viewers. 10 international pilot teams, copilots and technical staff entered in 2009 this battle of high technological class, of nancial power and of piloting mastership, challenging each other for thee most wanted award in the world of water speed sports. Class One Romanian Grand Prix, the local phase of Class One World Powerboat Championship, took place for the third consecutive year, on the Siutghiol lake in Mamaia. Romanian Grand Prix 2009 meant a really spectacular weekend: two races full of suspense, upheavals of situations, incendiary parties, unseen experiences, impressive demonstrations and stunts in the air and on the water! After three editions organized in Romnia, Mamaia became one of the star-locations of Class One. The pilots declare that they feel here like home: the public is very hospitable, and Siutghiol Lake the only location with fresh water in the competition, offers special sensations, by allowing to get very high speeds. The event started by the official training, followed by the press conference, the boat parade and the team presentations.
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RAPORT ANUAL 2009
EVENTS
Adrenaline and Lifestyle

The short period spent in Romania by the participants in the race by the banks of Siutghiol Lake was full of color. Whilst during the day the adrenaline was the basic word, the evenings were reserved for socialization and parties. The welcome party was organized at Bamboo Club in Mamaia. The Class One teams enjoyed a dream night: the atmosphere was incendiary, and only by the morning the invitees nally decided to go to their hotels. The most appreciated moment of the evening was the presentation of one of Catalin Botezatus collections. Elegant dresses, sophisticated haircuts and surrealistic make-up impressed all the people present in the party. The next day of the event started with a spectacular demonstration of one of the most famous teams of aerobatics in the world. In the rst race Romanian Grand Prix, Maritimo 12 caused high emotions to the spectators when their boat capsized due to the too high speed in one of the turns. Rex Hotel waas the host of the invitees in the second evening of the event, by offering the Gala Dinner. The party lasted until late in the night, by fashion presentations, live moments of ice sculpture, re-works and champagne. Romanians, Italians, Norwegians, Brazilians, pilots and technical staff, organizers and sponsors, all of them exchanged business cards, danced in various styles, shared stories and memories. The rst spectacular moment of Sunday was the competition between a helicopter and a high power boat. There were lots of supporters, the happiest of them being the fans of Nor Tech boat, which won the race on the edge. The farewell party in Office Temporary Lounge Mamaia marked the end of the third edition of Class One Romanian Grand Prix. The most exciting moments of the evening were the presentation of the bathing suites collection of Catalin Botezatu and the live concert. The party defeated the sadness of losers and it was a wonderful opportunity of celebration for those who climbed the podium!
An Event Insured By Astra

As a market leader on the maritime and aviation segments, as well as a fervent fan of sports competitions, ASTRA Asigurari was the Official Insurer of Class One Romanian Grand Prix for the third consecutive year. Class One had in ASTRA Asigurari a partner of highest seriousness and condence. For the satisfaction of everyone, the competition in 2009 at Mamaia took place without any kind of incidents.
RAPORT ANUAL 2009
25
EVENTS
Oltchim
Astra Asigurri has sponsored the Romanian champion at womens handball, Oltchim Rm. Valcea. The action is easily understood because ASTRA Asigurari supports the Romanian sports and athletes. 2009 was the year when ASTRA Asigurari also concluded another successful partnership that with the most renowned team of the Romanian womens handball - C.S. ,,Oltchim Rm. Valcea. ASTRA Asigurari supplied in 2009 a life insurance policy with the appertaining coverage for the team of players and the managers of the club from Valcea. ,,we are a successful company and we associate only with powerful partners, like us specied mr. Radu Mustatea, the , President of the Directorate of ASTRA Asigurari, as part of the official event, when he received from the management of the club the t-shirt with the number 10 and a claque with the gratitude for the involvement and support granted to the high performance of the Romanian handball.
Radu Mustea
President Directorat ASTRA Asigurri
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RAPORT ANUAL 2009
EVENTS
,,we dont wish you to suffer an injury, but if you have problems, you can be sure you will be indemnied in the best of conditions. also mentioned the manager , of ASTRA Asigurari. ASTRA Asigurari is the most important company on the eld market with a mainly Romanian shareholders structure, who are actively involved in the support of the Romanian sportss and athletes. The partnership with CS ,,Oltchim Rm. Valcea also continues in 2010.
Ileana Ilie
Director lial Rm. Valcea
Image event
Official launch partnership
RAPORT ANUAL 2009
27
NEWS CONFERENCE
ASTRA Asigurari has its own website dedicated to the online sale of the insurance policies, www.astraonline.ro
In December 2009, as part of a press conference which took place at AFI Palace Cotroceni, the company Astra Asigurari announced the launching of its own website for direct insurance sales. By means of the launching of this portal, the company supports its clients, offering them the possibility of an easy purchase of insurance, directly from their home or work computer. www.astraonline.ro is the address where the Romanian clients, be they legal or natural persons, may conclude online insurance policies issued by ASTRA Asigurari. From the portfolio of the company which comprises more than 60 types of general insurance, life and medical insurance with their derivates, one may purchase on the internet the following products: RCA, CASCO, the mandatory residence insurance PAD, the complete PAD and Imobilia insurance, the complex product for the complete protection of the home, which includes the covering of the accident risk of the members of the family and their third party legal responsibility, the medical insurance for travels abroad, the malpraxis insurance for lawyers, malpraxis for the medical practitioners and malpraxis for the insurance agents. The new website www.astraonline.ro ro dedicated to the electronic issuing of the insurance policies meets the exibility and accessibility requirements specic to the online sales, bringing with it a series of advantages for our clients: the lower cost, the speed of issuing, the safety of the personal data, the easy access to the useful information regarding the products, legislation, contractual conditions or promotions. www.astraonline.ro is the solution we propose to the internet users who want to manage themselves their insurance portfolio. These products are the most requested and they represent over 90% of the retail portfolio of the company , declares Radu Mustea, the President of the Directorate of Astra Asigurari. ,,One of the main benets is represented by the fact that the insurance policies concluded through www.astraonline.ro can be paid either online (by card), or offline (through any of the current means of payment : cash at the tellers of the partner banks, bank transfer, internet banking etc.), in both cases without an added commission. Moreover, for the insurance issued and paid with the card online, a copy of the policy can be printed immediately after the payment process. Also, the process for the renewal of the policies is very simple, the data being taken over from the old insurance policy. declared Dacian Vinereanu, Vice president of the Directorate of Astra Asigurari , and the initiator of the project. The company will diversify in the future its offer of insurance which can be concluded on the site, so that it covers all the insurance needs of its clients.
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RAPORT ANUAL 2009

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2009

ASTRA ASIGURRI RAPORT ANUAL 2009

citius altius fortius

www.astrasig.ro www.astraonline.ro www.astrasante.ro

2009 SUCURSALE ASTRA ASIGURRI

ASIGURRI AUTO ASIGURRI DE LOCUIN

ASTRA ASIGURRI protecie romneasc

RAPORT ANUAL 2009

ASIGURTORULUI ANULUI 2009

oferit de revista XPrimm Asigurri&Pensii

V mulumesc tuturor! Radu Mustea

RAPORT ANUAL 2009

RAPORT ANUAL 2009

ROMNIA LIBER MEDIA GAMMA PUBLISHERS UNITED PRINT CMP

II TNG- The NOVA GROUP

RAPORT ANUAL 2009

II Repere nanciare ASTRA 2009

STRUCTURA ACIONARILOR A RMAS NEMODIFICAT FA DE 2008:

COMPONENA CONSILIULUI DE SUPRAVEGHERE LA SFRITUL ANULUI 2009:

COMPONENA DIRECTORATULUI LA 31.12.2009 :

RAPORT ANUAL 2009

II Prime brute subscrise

809.471.525 799.517.436 838.534.756 39.017.320 9.954.089 12.063.557 2.109.468

675.073.270 665.706.224 704.723.544 39.017.320 9.367.046 11.476.514 2.109.468

RAPORT ANUAL 2009

PRIME DE ASIGURARE SUBSCRISE (mil. euro)

136,05 154,67 20,76 9,28 13,68 16,69 22,87 374

374,96 154,67 44,02 10,36 22,85 18,01 25,02 649,89

294,27 286,37 135,52 11,74 34,28 20,84 26,45 809,47

PONDEREA PRINCIPALELOR LINII DE ASIGURARE N TOTAL ASIGURRI GENERALE 2009

STRUCTURA PORTOFOLIULUI N 2008

STRUCTURA PORTOFOLIULUI N 2009

RAPORT ANUAL 2009

II Contul de prot i pierdere

% N TOTAL VENITURI DIN EXPLOATARE

CONTUL DE PROFIT I PIERDERE

RAPORT ANUAL 2009

II Coecienii de solvabilitate i lichiditate

RAPORT ANUAL 2009

PASIV - CAPITAL I DATORII

RAPORT ANUAL 2009

EVOLUIA ACTIVELOR TOTALE N PERIOADA 1991-2008

RAPORT ANUAL 2009

II Contul tehnic al asigurrii generale (31.12.2009)

REALIZRI AFERENTE PERIOADEI DE RAPORTARE

RAPORT ANUAL 2009

II Contul tehnic al asigurrii de via (31.12.2009)

REALIZRI AFERENTE PERIOADEI DE RAPORTARE

RAPORT ANUAL 2009

REALIZRI AFERENTE PERIOADEI DE RAPORTARE

II Contul netehnic (31.12.2009)

REALIZRI AFERENTE PERIOADEI DE RAPORTARE

RAPORT ANUAL 2009

4.038.810 4.038.810 0 0 0 4.265.359 114.991.148 113.660.198 0 0 0 0

4.221.193 4.221.193 0 0 0 7.067.048 1.287.528 80.260 0 0 0 0

REALIZRI AFERENTE PERIOADEI DE RAPORTARE

RAPORT ANUAL 2009

RAPORT ANUAL 2009

RAPORT ANUAL 2009

ANALIZA PIE}EI 2009

O SCURT ANALIZ A PIEEI

RAPORT ANUAL 2009

Al doilea an de parteneriat ASTRA Asigurri [i Federaia Romn de Atletism

RAPORT ANUAL 2009