PSM Period 3 Desicions
Company 1
Period 3
LIABILITY
LIABILITY – Main Business
Agriculture
SME
Individual
Premium Index
100
100
0
Marketing Expenses
2
1
0
Loss Prevention (mEUR)
2
0,7
0
Claims Settlement
98
98
0
Risk Acceptance
100
100
0
LIABILITY – Sales & Development
Agriculture
SME
Individuals
Commission(%) – Own SF
22
23
0
Commission(%) – Agents
27
27
0
Deployment (No. Persons) – S-SF
0
Deployment (No. Persons) – G-SF
0
LIABILITY – Target Values
Agriculture
SME
Individuals
Premium vol. (mEUR)
Market share (%)
PROPERTY
PROPERTY – Main Business
Agriculture
SME
Individuals
Premium Index
103
105
103
Marketing expenses (mEUR)
1,2
1
2,5
Loss Prevention (mEUR)
1
1
1
Claims Settlement (%)
90
90
90
Risk Acceptance (%)
90
85
90
PROPERTY – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
21
21
21
Commision (%) / Agents
25
25
25
Deployment (No. Pers) / S-SF
Deployment (No. Pers) / G-SF
PROPERTY – Target Values
Agriculture
SME
Individuals
Premium vol.(mEUR)
Market share (%)
HEALTH
HEALTH – Main Business
Agriculture
SME
Individuals
Premium Index
103
92
92
Marketing expenses (mEUR)
0,5
1,5
2,5
Loss Prevention (mEUR)
2
2
3,5
Claims Settlement (%)
100
100
100
Risk Acceptance (%)
98
98
98
HEALTH – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
17
25
25
Commision (%) / Agents
25
30
30
Deployment (No. Pers) / S-SF
Deployment (No. Pers) / G-SF
HEALTH- Target Values
Agriculture
SME
Individuals
Premium vol.(mEUR)
Market share (%)
MOTOR
MOTOR – Main Business
Agriculture
SME
Individuals
Premium Index
105
105
105
Marketing expenses (mEUR)
1
2
3
Loss Prevention (mEUR)
2
3
4
Claims Settlement (%)
90
92
92
Risk Acceptance (%)
90
90
90
MOTOR – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
15
15
11
Commision (%) / Agents
20
20
20
Deployment (No. Pers) / S-SF
Deployment (No. Pers) / G-SF
MOTOR – Target Values
Agriculture
SME
Individuals
Premium vol.(mEUR)
Market share (%)
Personnel/Finances
Decisions Personnel
Own sales force
Internal staff
S-SF
G-SF
Recruitment/Dismiss. (Number +/-)
Transfers (Number +/-)
Salary index (Basis = 100.0)
Training (days per employee)
Start-up funds for new agents (EUR/Agent)
Budget Decisions
Market research report
No
Information management (% of premium volume)
1
Innovation Management (% of premium volume)
0,5
Customer relationship management (% of premium volume)
1
Capital Investment Decisions
Fixed interest securities
Fixed-income securities (mEUR)
135
Equity Securities
Low risk (mEUR)
45
Medium risk (mEUR)
45
High risk (mEUR)
0
Borrowing
Short-term loans (mEUR)