Organizational and economic characteristics of the insurance organization. Organizational and economic characteristics of the insurance company. Business activity ratios

Year of creation - 1993.

The authorized capital is 8 billion 42 million 1 thousand 900 rubles.

Shareholders: OAO Gazprom, OOO Gazprom export, Gazprombank (Open Joint-Stock Company), OOO Kordeks, OOO Accept, OOO IK ABROS.

The reliability of SOGAZ has been confirmed by independent analysts and market experts. SOGAZ has the highest reliability rating A++ assigned by the Expert RA rating agency, international ratings financial stability assigned by Standard & Poor's ("BBB-", "Stable" outlook) and Fitch Ratings ("BB+", "Stable" outlook).

The Group pursues a policy of maximum openness and financial transparency in relation to its customers, shareholders and partners. SOGAZ became one of the first Russian insurers to switch to international standards financial reporting. SOGAZ is audited under IFRS by PricewaterhouseCoopers.

SOGAZ is one of the most dynamically developing participants in the domestic insurance market. At the end of 2010, the total amount of insurance premium collected by the Group amounted to more than 99 billion rubles, which is 18% more than a year earlier.

For most types of insurance, SOGAZ is among the leaders, occupying a significant market share. According to the FSIS data for 2010, SOGAZ took 2nd place in the ranking of Russian insurers for all types of insurance, and 1st place for direct voluntary (classic) insurance.

SOGAZ traditionally focuses on corporate sector insurance, providing insurance coverage enterprises and corporations representing a variety of industries: fuel and energy, transport, chemical, metallurgical, machine-building, aerospace, banking and others. The Group protects the property interests of such backbone enterprises Russian economy, as OAO Gazprom, OAO Gazprom Neft, OAO NK Rosneft, nuclear enterprises (SC Rosatom) and electric power industry, OAO Russian Railways, OAO West Siberian Iron and Steel Works, OAO Power Machines , OAO United Machine-Building Plants. In addition, SOGAZ actively cooperates with the Administration of the President of the Russian Federation, the Federal Customs Service, as well as the leading financial institutions of the country - Sberbank, Vneshtorgbank, Gazprombank and many others.

The Group pays great attention to insurance individuals, as well as small and medium-sized businesses, for which insurance programs taking into account their specificity and features.

The development strategy of the SOGAZ Insurance Group provides for consistent integration into the international insurance market. Among the foreign projects with the participation of SOGAZ is Blue Stream (construction of a main gas pipeline from Russia through Turkey to Southern Europe), as well as the construction of the North European Gas Pipeline, designed to directly link gas fields Western Siberia with consumers in Germany and other Western European countries.

Significant direction foreign economic activity The group began to participate in the projects of the Shanghai Cooperation Organization (SCO), whose international influence is constantly growing. SOGAZ is the only insurer that is a member of the SCO Business Council, where it participates in the implementation of socially significant projects through public-private partnerships.

An important strategic task of the SOGAZ Insurance Group is the development of reinsurance activities. By 2012, SOGAZ plans to become the leader of the Russian reinsurance market, for which it is actively expanding cooperation with other Russian and foreign insurers, and is also implementing a policy of progressive integration into international market reinsurance. The Group's policy is focused on cooperation with leading reinsurance companies with worldwide recognition and impeccable reputation, such as Munich Re, Swiss Re, Hannover Re, SCOR, Lloyds of London and others.

One of the key advantages of SOGAZ is a wide regional network. To date, it has over 600 divisions and sales offices throughout Russia, as well as a representative office in the Republic of Kazakhstan. In order to develop a system of high-quality, reliable and affordable insurance service SOGAZ has developed and is implementing in the regions of the Russian Federation the model of Unified Insurance Centers (SICs), which are aimed at providing the widest possible range of services to various Group companies. By the end of 2010 United insurance centers operated on the basis of 51 branches of the company in 42 regions of the country and united 230 divisions of the SOGAZ Group.

Insurance Group SOGAZ provides a full range of insurance services - more than 130 products and programs for mandatory and voluntary types insurance. This allows the group to use A complex approach to risk management and provide comprehensive protection of the financial interests of its clients. The high level of the quality management system adopted at SOGAZ is confirmed by a certificate of compliance with the requirements of GOST R ISO 9001-2008 (ISO 9001:2008) . The validity of the certificate applies to all key activities for the company.

^ 2.2. Economic indicators IC "SOGAZ"

According to financial statements can be done comparative analysis the following most important indicators for the organization.

Profit before tax from financial results - economic activity company in 2012 amounted to 24,032 thousand rubles, which is 21,005 thousand less than the profit of the previous year.

At the end of 2012, the balance sheet totaled 3,800,674 thousand rubles, which is 144.1% of the balance sheet at the end of 2011. The increase was due to an increase in the amount of the unearned premium reserve by 151,041 thousand rubles, the loss reserve - by 299,442 thousand rubles and debt on short-term loans and loans for RUB 722,607 thousand, while reducing other accounts payable for 421 349 tr.

The share of own funds in the balance sheet totals 12.5%, which is 5.3% higher than the value of this indicator in 2011.

The increase in the share of own funds is due, first of all, to their absolute increase, as well as outstripping growth in relative terms in comparison with the increase in insurance reserves and liabilities.

Indicators of the volume of insurance premiums. The volume of insurance premiums is characterized by the following indicators (Table 2) .

table 2

The volume of insurance premiums, in million rubles

Types of insurance	2011	2012	Structure of insurance premiums by types of insurance %
Types of insurance	2011	2012	2011	2012
Personal insurance in total, including: - life insurance HC insurance VHI	371,2 30,3	427,0 50,0	18,8 1,5	14,6 1,7
property insurance: Cargo insurance Property insurance	1333,7 303,3	2049,59 834,7	67,5 15,3	70,2 28,6
Liability Insurance: - civil liability Other types of liability	59,7 24,2	34,5 8,8	3,0 1,2	1,2 0,3
OSAGO	211,0	406,8	10,7	14,0
TOTAL:	1975,6	2917,8	100	100

Let's analyze the structure of income and expenses of the insurance company.

The total amount of income for 2012 for the company as a whole is 3212.5 million rubles. or 139.4% of the previous year. The increase in the company's income from insurance activities was caused by an increase in income from property insurance, voluntary medical insurance, cargo insurance, OSAGO and hull insurance (Table 3).

Two-thirds of the company's insurance premiums are collected in the Central Federal District. Total society sells insurance policies on the territory of 72 subjects of the Russian Federation. The main share of insurance services sales in the Russian Federation falls on this region, and within its framework - on the city of Moscow and the Moscow region.

Table 3

Income structure of OJSC SOGAZ

Item of income	2011		2012
Item of income	Amount, million rubles	Specific weight %	Amount, million rubles	Specific weight, %
Income from insurance activities - total	1975,6	85,7	2917,8	90,8
Including: Insurance premiums	1785,6	77,5	2771,8	86,3
- income from reinsurance operations	190	8,2	146	4,5
Investment income	258,1	11,2	65,8	2,1
Other income	71,2	3,1	228,9	7,1
Total income	2304,9	100,0	3212,5	100,00

The main source of income was insurance premiums, contributions under insurance contracts - 2,771.8 million rubles, or 86.3% of the amount of income from insurance activities.

The main share of insurance payments in the reporting year was made up of risky types of insurance - 98%.

The total amount of expenses for 2012 amounted to 3,188.5 million rubles for the company as a whole. or 141.1% of the 2012 level (Table 4) .

Insurance premiums transferred to reinsurance. Insurance premiums under contracts ceded to reinsurance amounted to RUB 803.8 million, occupying reporting year a significant share of the cost of insurance activities. At the same time, their share in the total volume decreased from 38.2% to 25.2%.

In general, in society, reporting period 28.0% was transferred to reinsurance against 44.4% in 2012 of the insurance premium received on risky types of insurance. The largest share of the transferred insurance premium in the reporting year fell on cargo and liability insurance.

Table 4

Expenditure structure of SOGAZ OJSC

Item of expenses	2011		year 2012
Item of expenses	Amount (million rubles)	Specific weight %	Amount (million rubles)	Specific weight,%
Expenses from insurance activities, total:	1421,6	62,9	1669,8	52,4
Including: Insurance payments	558,7	27,7	866,0	27,2
- expenses from reinsurance operations	862,9	38,2	803,8	25,2
- insurance reserves	111,9	4,9	447,6	14,0
- business expenses	502,8	22,3	785,9	24,6
- other expenses	22,36	9,9	285,2	9,0
Total expenses	2258,9	100,0	3188,5	100,0

Business expenses. In the reporting year, they amounted to 785.9 million rubles, which corresponds to 24.6% of the total expenses of the Company (last year this share was 22.3%). The increase in the share of expenses for doing business is due to the following objective factors:

an increase in the number of the company's personnel due to the development of new types of insurance, and, consequently, an increase in labor costs;
an increase in the cost of remuneration for concluding insurance contracts due to an increase in the number of attracted agents and an increase in the number of attracted agents and an increase in the cost of agency services in the insurance market;
growth in advertising costs for new and existing insurance products;
an increase in the number of branches and agencies in the branch network of the company.

The total amount of insurance payments in 2012 amounted to 998.5 million rubles, which is characterized by the following indicators (Table 5).
Table 5

The structure of insurance payments of SOGAZ OJSC

Types of insurance	2011	2012	Structure of insurance payments by types of insurance %
Types of insurance	2011	2012	2011	2012
Personal insurance, total, including:	366,1	312,7	50,0	31,3
- life insurance	175,5	12,9	24,0	1,3
- NS insurance	9,1	6,8	1,2	0,7
- DMS	181,5	293,0	24,8	29,3
Property insurance, including:	334,1	532,2	45,7	53,3
- funds insurance land transport	188,1	345,0	25,7	34,6
- cargo insurance	35,4	20,0	4,9	2,0
- property insurance	110,6	167,2	15,1	16,7
Liability Insurance:	26,1	10,3	3,6	1,0
- insurance auto civil liability	23,6	7,5	3,2	0,8
- insurance of other types of liability	2,5	2,8	0,4	0,2
OSAGO	5,0	143,3	0,7	14,4
TOTAL:	731,3	998,5	100	100

The formed insurance reserves are the guarantee of the fulfillment of obligations to the policyholders. At the end of 2012, the reserves amounted to 1,800.7 million rubles. and increased compared to 2011 by 574.2 million rubles.

The increase in insurance reserves was mainly due to an increase in the unearned premium reserve by 151.0 million rubles. (Table 6).

Table 6

Insurance reserves of OAO SOGAZ

Article	At the end of 2011, billion rubles	Share of fear. in reserve
Article	At the end of 2011, billion rubles	billion rubles	In % max
Unearned premium reserve	999,1	424,9	42,5
Life insurance reserve	75,0	0	0
Loss provisions	579,3	195,0	33,7
Other insurance reserves	147,3	0	0
TOTAL:	1800,7	619,9	34,4

As at 31 December 2012, the reserve for preventive measures is RUB 5,388 thousand. During the reporting year, the reserve of preventive measures was used to finance preventive measures to protect crops from diseases, pests and weeds.

Let us evaluate the competitiveness factors of IC SOGAZ, calculated in Table 7.

Table 7

Initial data for calculating the estimated indicators of competitiveness factors of Russian and foreign insurance companies

№	Insurance organizations	Amount of assets, thousand rubles	The amount of insurance reserves, thousand rubles.	Amount of capital, billion rubles	The amount of insurance payments, thousand rubles.	Variety of insurance products	Sales technologies	Regional networks
insurance companies without foreign participation in capital
1	Rosgostrakh	118430821	56238760	8,1	32289032	23	5	600
2	SOGAZ	73963734	51525818	8,0	19961208	23	5	600
3	MAX	11634924	9001286	1,7	3531883	21	5	350
4	VSK	24720000	17730000	5,3	13780000	23	5	500
5	Alpha insurance	27159460	18213742	5,0	11547656	23	5	400
Insurance companies with a 100% equity stake
6	ROSNO	33250557	11936951	7,4	15943972	23	5	400
7	Zurich Retail	3547623	3546523	1,5	2143567	23	5	200
8	Oranta	4063363	3449722	1,4	2712931	21	5	200
9	Ergo Rus	2671587	1463570	0,7	1317141	21	5	200
10	Aviva	2987564	2364567	0,6	1254675	20	5	200

The indicators of financial and economic factors of the competitiveness of the insurance company Rosgosstrakh were used as the base ones. The leaders of the insurance market in terms of competitiveness of financial and economic factors are insurance companies without the participation of foreign capital, which include Rosgosstrakh and SOGAZ.

Considering that the majority of active global insurers currently operate in the Russian insurance market (out of the top 10 insurers in Russia, 5 companies operate in Russia, out of the top 25 – 9), an increase in their number will not significantly affect the development of the Russian insurance services market.

To assess the prospects for the development of the insurance company SOGAZ in the Russian insurance market, we will conduct a SWOT analysis, identifying its strengths and weaknesses, opportunities and threats (Table 8).

Table 8

SWOT Analysis Matrix

Strengths(Strengths)	Weaknesses
Formed infrastructure in the field of retail insurance	Low capitalization
Developed brand	Low customer orientation of the business
Established relationships with credit institutions	High costs of doing insurance business
Working with key clients	Low business profitability
Service diversification	Low level reliability
Highly profitable corporate insurance sector big business	Not high level qualifications
Advanced risk management	Lack of financial stability and control
Consolidation and reorganization of the company's insurance business	Inefficient back office and infrastructure
Opportunities	Threats
Growing interest in the insurance industry on the part of the state	Instability in the world financial markets
Insurance Industry Reform	Insufficient quality of supervision of insurance companies
Height investment attractiveness	Lack of supervision of insurance intermediaries
Low penetration	Dumping
	Fraud
	Lack of the necessary environment and incentives for the development of insurance life
	Parallel existence of CHI and VHI systems

Inefficient back office and infrastructure: For similar reasons, operational efficiency remains low as SOGAZ's functional activities are duplicated in the regions. Synergies arising from the integration of the back office and infrastructure functions are not used. Achieving efficiency is exacerbated by outdated IT solutions that were not created specifically for the needs of the SOGAZ insurance business and do not have uniform standards, a supplier and an owner of source codes. On this moment, the cost of administering an insurance policy remains high compared to other markets. This limits the ability to provide high quality services to SOGAZ. Mutual influences of weaknesses and strengths, opportunities and threats are shown in Table 9.

Table 9

SWOT analysis results

Possibilities

Threats

Strengths

The presence of a formed retail infrastructure will contribute to the development of SOGAZ insurance retail

The growth of insurance capacity, as well as the creation of corporate infrastructure in preparation for the introduction of HIFs, will contribute to the development of insurance legal entities for SOGAZ

The presence of built relationships between SOGAZ and banks allows us to offer new joint products (financial supermarket)

Growth of investment attractiveness of SOGAZ will make it possible to raise funds for business modernization

The negative effect from the growth of unprofitability in corporate insurance will be mitigated by the solid safety margin of SOGAZ accumulated in this segment

The development of risk management and the change of targets after the crisis will increase the reliability of insurance companies, bring their relationship with insurance intermediaries to a new level (guarantees, control)

Weak sides

Low operational efficiency may reduce the return on investment in the creation of SOGAZ infrastructure

Low customer orientation and a poorly developed product line will impede the development of SOGAZ retail insurance

Low profitability of SOGAZ insurance business may scare away potential investors

The low reliability of SOGAZ, combined with the low quality of insurance supervision over the market, will adversely affect the image

The lack of regulation of insurance intermediaries, combined with the high dependence of the SOGAZ insurer on its activities, will destabilize its business

The most important task facing SOGAZ for the next year is the modernization of business processes (transition from a medium business model to a large business model). This is evidenced by the fact that among the main areas of investment in business development are investments in technology and personnel, and not in marketing policy (Fig. 1).

Rice. 1. Key areas of investment in business development

Insurance is the most important element of a person's general culture. If each person insures his home, his business, health and life, then he is prudent about the future of his family, colleagues and himself, he looks to tomorrow, providing it today. Through insurance, a person realizes one of his most important needs - the need for security.

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April 2015

I passed undergraduate practice in the Kolomna branch of the insurance company Rosgosstrakh LLC, located at Kolomna, Grazhdanskaya street 92.

Organizational economic characteristic LLC "Rosgosstrakh"

Rosgosstrakh is the largest in Russia Insurance Company, which provides a wide range of insurance services to individuals and companies to protect against a wide variety of risks.

The history of the company has 93 years. Founded in February 1992, the company became the successor of the Gosstrakh of the RSFSR, which was established in 1921. Now the company has a significant impact on the formation of the Russian insurance market.

Today it offers 55 insurance products ranging from popular auto insurance programs to specialty insurance for the space industry. The company seeks to include in contracts the largest number covered risks, while ensuring absolute transparency of the services provided and a high degree of reliability.

The Rosgosstrakh group of companies includes about 3,000 agencies and insurance departments, as well as 400 claims settlement centers, total strength system workers reaches 100,000 people, including more than 65,000 agents.

The Rosgosstrakh group of companies includes OJSC Rosgosstrakh, three large regional and seven interregional insurance companies. They include 76 republican, regional and regional branches, more than 2300 agencies and insurance departments. A unique infrastructure of 233 specialized Claims Settlement Centers has been deployed throughout the country. Rosgosstrakh is the only insurance company that has a branch network comparable in scope to Russian Post and Sberbank.

Rosgosstrakh is represented in all regions of Russia and has the widest coverage in the country branch network. The structure is based on the district principle. Regional societies - 7 Interregional centers (according to the number federal districts) and 3 Regional Centers - unite about 2200 Branches, Agencies and Insurance Departments. All Regional Societies and their Branches work in close cooperation with the divisions of the Central Office.

The Rosgosstrakh Group of Companies is managed by the Rosgosstrakh Holding Company. She sets the direction strategic development both the company as a whole and individual divisions. The entire system operates according to unified corporate management standards, applies universal insurance technologies.

The central office of the company carries out administrative and methodological management of regional divisions (Regional companies and their Branches). The main tasks of the employees of the Central Office are to determine the directions of strategic development of both the System as a whole and individual divisions, planning, control and expert support of regional divisions.

The Rosgosstrakh system is organized according to the territorial-matrix principle. This means that each employee has two lines of subordination: administrative (within that territorially defined structural unit, in whose staff the employee is listed) and functional (within the framework of the functions that the employee performs).

September 9, 2014 "Expert RA" (RAEX) confirmed the reliability rating of Rosgosstrakh Group at A++

Rating agency Expert RA (RAEX) has affirmed the reliability rating of the Rosgosstrakh Group, which is part of Rosgosstrakh LLC and Rosgosstrakh OJSC, at A++ (an exceptionally high level of reliability), with a stable outlook. stable outlook means high probability maintaining the rating at the same level in the medium term.

“The Group’s rating is positively affected by high profitability equity(8.5% for 1H 2014) and a low share of business expenses (30.6% for 1H 2014) of Rosgosstrakh LLC, the main operating company of the Group,” notes Alexey Yanin, director of insurance ratings "Expert RA" (RAEX).

Among the positive factors of Rosgosstrakh OJSC, a high deviation of the actual size of the solvency margin from the normative one (1565.6% as of 07/01/2014), high reliability of investment investments, low ratio accounts receivable(3.5% as of July 1, 2014) and accounts payable (1.1% as of July 1, 2014) to assets.

According to the data for the 1st half of 2014, in the insurance portfolio of Rosgosstrakh LLC (the main operating company of the group), OSAGO accounted for 37.0% of total insurance premiums, motor hull insurance - 21.2%, insurance of other property of citizens - 12, 3%. In the insurance portfolio of OJSC Rosgosstrakh, OSAGO accounted for 78.1% of insurance premiums, motor hull insurance - 9.9%, civil liability insurance for non-fulfillment or improper fulfillment of obligations under the contract - 3.8% for H1 2014.

According to Expert RA (RAEX), the assets of Rosgosstrakh LLC as of July 1, 2014 amounted to 141,526,764 thousand rubles, own funds– 23,861,232 thousand rubles, insurance premiums for the 1st half of 2014 - 59,491,405 thousand rubles. The assets of JSC Rosgosstrakh as of 01.07.2014 amounted to 12,122,828 thousand rubles, own funds - 8,187,086 thousand rubles, insurance premiums for the 1st half of 2014 - 33,072 thousand rubles.

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