PŘEČKOVÁ, Lenka and Eva VÁVROVÁ. The Expense Ratio Development of Insurance Portfolios in Selected Insurance Companies in the Czech Republic in 2010-2017. In Nešleha Josef, Marek Lukáš, Svoboda Miroslav, Rakovská Zuzana. European Financial System 2019. Proceedings of the 16th International Scientific Conference. Brno: Masarykova Univerzita, 2019, p. 452-461, 11 pp. ISBN 978-80-210-9338-6.
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Basic information
Original name The Expense Ratio Development of Insurance Portfolios in Selected Insurance Companies in the Czech Republic in 2010-2017
Authors PŘEČKOVÁ, Lenka (203 Czech Republic, guarantor, belonging to the institution) and Eva VÁVROVÁ (203 Czech Republic).
Edition Brno, European Financial System 2019. Proceedings of the 16th International Scientific Conference. p. 452-461, 11 pp. 2019.
Publisher Masarykova Univerzita
Other information
Original language English
Type of outcome Proceedings paper
Field of Study 50206 Finance
Country of publisher Czech Republic
Confidentiality degree is not subject to a state or trade secret
Publication form printed version "print"
WWW URL
RIV identification code RIV/47813059:19520/19:A0000054
Organization unit School of Business Administration in Karvina
ISBN 978-80-210-9338-6
UT WoS 000503222600053
Keywords in English bancassurance; insurance group; insurance company; expense ratio
Changed by Changed by: Mgr. Lenka Přečková, Ph.D., učo 19254. Changed: 28/2/2020 10:05.
Abstract
This paper shall compare insurance portfolios in selected insurance companies operating in the Czech Republic based on the growth rate of premiums written and the expense ratio. It shall compare these insurance companies: ČSOB Pojišťovna, Komerční pojišťovna, Kooperativa pojišťovna, Pojišťovna České spořitelny and Česká podnikatelská pojišťovna. ČSOB Pojišťovna and Komerční pojišťovna were selected because they are subjects with a developed bancassurance model and because the previous research suggested that insurance companies applying this model achieve a lower expense ratio. Kooperativa pojišťovna, Česká podnikatelská pojišťovna and Pojišťovna České spořitelny were selected because they are members of the insurance group VIG in the Czech Republic and the group has cooperated with the Erste Group Bank since 2008 based on their Strategic Cooperation Agreement. The aim of this paper is to determine whether or not the selected insurance companies and the group VIG achieve lower expense ratio of the insurance portfolio than what is the average of the expense ratio of insurance portfolios on the Czech insurance market. The paper shall compare the expense ratio of selected commercial insurance companies and the average of the expense ratio on the Czech insurance market in the 2010-2017 period.
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