The Triglav Group has set out an ambitious medium-term strategy, leveraging its strong 2025 performance to pursue accelerated growth, improved profitability and enhanced resilience across its core markets.

The Group’s financial targets underline its growth ambitions. Earnings before tax are projected at EUR 170–190 million in 2026, rising significantly to EUR 250–300 million by 2030, reflecting both business expansion and improved efficiency.

In terms of scale, Triglav expects total business volume to exceed EUR 2.4 billion in 2026, with a further increase to EUR 2.5–3.0 billion by 2030. At the same time, assets under management (AuM) are targeted to surpass EUR 10 billion by the end of the decade, highlighting the Group’s intention to strengthen its asset management footprint alongside insurance operations.

Profitability and underwriting discipline remain central to the strategy. The Group aims for a combined ratio in non-life and health of around 95% in 2026, with a target of below 95% throughout 2025–2030, while return on equity (ROE) is expected to reach 12–13% by 2030.

Strategically, Triglav will focus on profitable growth, digital transformation and portfolio diversification. The Group plans to expand its presence in selected markets and further develop life, health and asset management business lines, reducing reliance on traditional motor insurance while enhancing customer-centric solutions.

At the same time, technology and data-driven capabilities will play a key role in improving underwriting, claims handling and operational efficiency, supporting both growth and cost control.

Sustainability remains a core pillar, with Triglav continuing to integrate ESG principles into underwriting, investments and governance, while also addressing climate-related risks and opportunities.

From a capital and shareholder perspective, the Group aims to position itself as a stable, safe and profitable investment. It plans to distribute approximately EUR 400 million in dividends over the 2025–2030 period, in line with its dividend policy, while maintaining strong capital adequacy to support future growth.

Overall, Triglav’s strategy reflects a clear objective: to scale up its business while preserving financial strength and underwriting discipline, in a market increasingly shaped by digitalization, climate risks and evolving customer expectations.