Razvoj bankoosiguranja u Hrvatskoj

master's thesis

• Title (english): Development of bancassurance in Croatia
• Author: Iva Jaki
• Mentor: Drago Jakovčević (mentor)
• Committee member: Mihovil Anđelinović (predsjednik povjerenstva)
• Committee member: Maja Mihelja Žaja (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2015-09-28, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Koncept bankoosiguranja na europskom se tržištu pojavio 80-ih godina prošlog stoljeća, te je
s vremenom postao dominantan distribucijski kanal životnih osiguranja u mnogim europskim
zemljama. Osim za banke i osiguratelje, razvoj bankoosiguranja od velike je važnosti i za
razvoj financijske industrije. U Republici Hrvatskoj bankoosiguranje se pojavilo tek krajem
prošlog stoljeća i još uvijek postoji mnogo prostora za iskorištavanje njegovog potencijala.
Rad je usmjeren na karakteristike ovog prodajnog kanala, njegovo kretanje i razvoj u
Republici Hrvatskoj, uz osvrt i usporedbu sa trendovima prisutnim na tržištima europskih
zemalja.
Podaci na kojima se temelji rad prikupljani su uglavnom iz statističkih publikacija te godišnjih
izvješća regulatornih institucija i osigurateljnih udruženja. Na temelju dostupnih podataka
izvedeni su zaključci o trenutnom stanju i potencijalima razvoja bankoosiguranja na domaćem
tržištu. Iako u prosječnom portfelju osiguravajućeg društva u Hrvatskoj prevladavaju
neživotna osiguranja, posljednjih godina bilježi se zaokret prema sve većem udjelu životnih
osiguranja. Ulaskom Hrvatske u Europsku uniju uvjeti poslovanja postaju dinamičniji, a
konkurencija sve zaoštrenija. To je jedan od razloga koji objašnjava zbog čega je od velike
važnosti da se prepoznaju i iskoriste mogućnosti različitih kanala prodaje i razvoja novih
proizvoda. Ako se uzme u obzir da je u posljednjih nekoliko godina najveći dio rasta životnih
osiguranja na domaćem tržištu generiran putem bankoosiguranja, može se zaključiti kako
postoji potencijal za njegov razvoj u narednim godinama i kako se hrvatsko tržište osiguranja
polako približava razvojnoj putanji europskih tržišta.

Abstract (english)

The concept of bancassurance in Europe appeared in the 80s of the last century, and has become a dominant distribution channel in life insurance in many European countries. Except for banks and insurers, bankassurance is of great importance for the development of the financial industry. In Croatia, bancassurance appeared at the end of the last century and there is still a lot of space to utilize its potentional. Thesis is focused on the characteristics of this sales channel, its direction and development in the Republic of Croatia, with review and comparison with the trends present in the markets of European countries.
Data were collected mainly from statistical publications and annual reports of regulatory institutions and insurance associations. Based on available data, conclusions were derived about the current status and potentional development of bancassurance on the domestic market. Although in the average portfolio of an Croatian insurance company prevail non life insurance, in recent years there has been a shift towards an increasing share of life insurance.
After Croatia accessed to the European Union, terms and conditions are becoming more dynamic and competition became more strict. This is one of the reasons which explains why it is very important to recognize and seize the opportunities of different sales channels and the development of new products. Considering that in recent years most of the growth in life insurance in domestic market was generated through bancassurance, it can be concluded that there is potential for its development in the coming years and that the Croatian insurance market slowly approaching the development path of European markets.

• Keywords: bankoosiguranje; premija osiguranja; banka; distribucija; Hrvatska
• Keywords (english): bancassurance; insurance premium; bank; distribution; Croatia
• Language: croatian
• URN:NBN: urn:nbn:hr:148:591330
• Study programme: Title: Business Economics; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2016-10-12 16:47:36