Owing to benign weather conditions, natural catastrophe claims have been significantly lower than those assumed in the business plan, based on claims trends from previous years. The impact of natural catastrophes in 2025 is estimated at approximately 60% of the claims incurred in each of the two preceding years. The management board expects that, in the absence of major loss events for the remainder of the year, the Group will deliver a pre-tax profit in excess of EUR 133 million and a net profit of more than EUR 105 million, representing a 25% improvement on the original target for 2025.
The Sava Insurance Group has completed its planning for the year ahead, reviewing its performance to date and setting ambitious financial targets and development priorities across all its strategic business pillars for the coming year. These plans continue to support the delivery of the Group’s 2023–2027 strategy and reinforce its commitment to growth, innovation and excellence.
Key financial targets for 2026 include:
- Business volume growth > 5%
- Profit after tax > EUR 95 million
- Return on equity > 12%
- Combined ratio < 93%
- It will expand digital and self-service solutions for customers, enhance customer interaction management and encourage wider use of digital communication channels.
- It will continue to drive intensive optimisation of customer-facing and internal processes. In both areas, it will also gradually and in a controlled manner introduce solutions enabled by artificial intelligence.
- In sustainability, it will further implement its policy, grounded in a commitment to environmental protection, social responsibility, and the development of innovative, sustainability-driven products and services.
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