Other economic, social and environmental impact of the Triglav Group’s operations Triglav

Index

2014

2013

2012

2014/2013

2013/2012

1. Other economic impacts (in million EUR)[1]

Economic value generated*

1,149.2

1,106.9

1,154.8

104

96

Economic value distributed

1,084.0

1,061.3

1,081.0

102

98

- Net claims incurred and other insurance expenses

678.8

592.2

651.2

115

91

- Expenses from financial assets

56.2

111.0

96.9

51

114

- Other expenses

15.4

14.9

14.6

103

102

- Operating costs**

127.2

129.5

131.2

98

99

- Dividend payments

38.6

45.4

15.9

85

285

- Tax expense (income tax expense)

14.7

13.8

16.5

107

84

- Community investments (prevention activities, donations, sponsorships)

6.0

6.7

7.1

89

95

- Employee wages, allowances and benefits

147.2

147.8

147.6

100

100

Economic value retained

65.2

45.5

73.7

143

62

2. Social impact (Zavarovalnica Triglav)

Average training hours per employee

22

27

31

81

87

Number of insurance policies (products, services) sold online

12

12

9

100

133

Number of insurance products encouraging preventive actions

69

67

66

103

102

Personal data protection (number of fines received - target is zero)

0

0

0

0

0

Fair business practices (share of investigated fraud cases in %)

93

89

91

104

98

3. Impact on the environment

Electricity consumption in MWh (Zavarovalnica Triglav)

5,346.9

5,621.1

6,443.9

95

87

Carbon footprint:

- Zavarovalnica Triglav (tons of CO2 equivalent)

5,107

5,419

-

94

- Triglav Osiguranje, Sarajevo (tons of CO2 equivalent)

169

-

-

- Triglav Osiguranje, Belgrade (tons of CO2 equivalent)

421

-

-

- Lovćen Osiguranje, Podgorica (tons of CO2 equivalent)

165

-

-

- Triglav Osiguruvanje, Skopje (tons of CO2 equivalent)

159

-

-

- Zavarovalnica Triglav (tons of CO2 equivalent per employee)

2.2

2.3

-

96

Waste sorting (share of employees participating in Zavarovalnica Triglav in %)

91

74

34

123

218

*Economic value generated = net premium earned and other insurance income + income from financial assets + other income.
**Operating costs include payments for suppliers, acquisition expenses, etc.

For additional information please contact: [2]

Zavarovalnica Triglav d.d., Ljubljana
Miklošičeva cesta 19, 1000 Ljubljana
Tomaž Žust, Director of Strategic Planning and Controlling Department
Phone: ++386 (1) 47 47 449
Fax: ++386 (1) 23 16 456
E-mail: tomaz.zust@triglav.si



[1] GRI G4-EC1

[2] GRI G4-31, G4-3, G4-5

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