PSM Period 3 Desicions
Company 4
Period 3
LIABILITY
LIABILITY – Main Business
Agriculture
SME
Individual
Premium Index
102
100
0
Marketing Expenses
1.9
0.5
0
Loss Prevention (mEUR)
2
0.5
0
Claims Settlement
100
97
0
Risk Acceptance
97
93
0
LIABILITY – Sales & Development
Agriculture
SME
Individuals
Commission(%) – Own SF
21
19
0
Commission(%) – Agents
27
23
0
Deployment (No. Persons) – S-SF
35
20
0
Deployment (No. Persons) – G-SF
4
9
0
LIABILITY – Target Values
Agriculture
SME
Individuals
Premium vol. (mEUR)
Market share (%)
PROPERTY
PROPERTY – Main Business
Agriculture
SME
Individuals
Premium Index
98
103
103
Marketing expenses (mEUR)
1.1
0.9
2.5
Loss Prevention (mEUR)
1.5
0.9
1.9
Claims Settlement (%)
100
97
97
Risk Acceptance (%)
96
96
95
PROPERTY – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
21
19
19
Commision (%) / Agents
26
24
24
Deployment (No. Pers) / S-SF
13
11
2
Deployment (No. Pers) / G-SF
2
6
25
PROPERTY – Target Values
Agriculture
SME
Individuals
Premium vol.(mEUR)
Market share (%)
HEALTH
HEALTH – Main Business
Agriculture
SME
Individuals
Premium Index
102
102
98
Marketing expenses (mEUR)
1
1
2
Loss Prevention (mEUR)
1.8
0.8
1.1
Claims Settlement (%)
97
98
100
Risk Acceptance (%)
95
98
98
HEALTH – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
18
21
21
Commision (%) / Agents
23
26
26
Deployment (No. Pers) / S-SF
35
18
3
Deployment (No. Pers) / G-SF
12
5
41
HEALTH- Target Values
Agriculture
SME
Individuals
Premium vol.(mEUR)
Market share (%)
MOTOR
MOTOR – Main Business
Agriculture
SME
Individuals
Premium Index
97
103
102
Marketing expenses (mEUR)
1.3
0.9
6.5
Loss Prevention (mEUR)
2.5
0.3
3.5
Claims Settlement (%)
95
95
95
Risk Acceptance (%)
97
95
92
MOTOR – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
15
14
10
Commision (%) / Agents
20
19
19
Deployment (No. Pers) / S-SF
27
14
0
Deployment (No. Pers) / G-SF
0
0
34
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 +/-)
0
0
0
Transfers (Number +/-)
+7
0
-7
Salary index (Basis = 100.0)
101
101
101
Training (days per employee)
5
5
5
Start-up funds for new agents (EUR/Agent)
11000
Budget Decisions
Market research report
Yes
Information management (% of premium volume)
1.2
Innovation Management (% of premium volume)
1.2
Customer relationship management (% of premium volume)
0.9
Capital Investment Decisions
Fixed interest securities
Fixed-income securities (mEUR)
158
Equity Securities
Low risk (mEUR)
20.5
Medium risk (mEUR)
42
High risk (mEUR)
20.5
Borrowing
Short-term loans (mEUR)
0