PSM Period 3 Desicions
Company 1
Period 3
LIABILITY
LIABILITY – Main Business
Agriculture
SME
Individual
Premium Index
103
104
0
Marketing Expenses
2
1
0
Loss Prevention (mEUR)
1.5
1
0
Claims Settlement
96
96
0
Risk Acceptance
100
100
0
LIABILITY – Sales & Development
Agriculture
SME
Individuals
Commission(%) – Own SF
20
21
0
Commission(%) – Agents
25
25
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
106
102.5
Marketing expenses (mEUR)
1
1
5.5
Loss Prevention (mEUR)
2.2
1
3
Claims Settlement (%)
95
95
95
Risk Acceptance (%)
94
94
97
PROPERTY – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
22
20
21.5
Commision (%) / Agents
27
24
26.5
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
104
103.5
102.5
Marketing expenses (mEUR)
1.4
0.8
2.5
Loss Prevention (mEUR)
2.5
1
2
Claims Settlement (%)
97
98
98
Risk Acceptance (%)
95
98
99
HEALTH – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
20
20
22
Commision (%) / Agents
25
25
27
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
106.5
105
106
Marketing expenses (mEUR)
0.9
1.2
6.2
Loss Prevention (mEUR)
1.5
0.8
5
Claims Settlement (%)
99
95
95
Risk Acceptance (%)
100
95
95
MOTOR – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
15
15
16
Commision (%) / Agents
20
20
24
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)
1.1
Innovation Management (% of premium volume)
1.1
Customer relationship management (% of premium volume)
1
Capital Investment Decisions
Fixed interest securities
Fixed-income securities (mEUR)
Equity Securities
Low risk (mEUR)
Medium risk (mEUR)
High risk (mEUR)
Borrowing
Short-term loans (mEUR)