PSM Period 5 Desicions
Company 2
Period 5
LIABILITY
LIABILITY – Main Business
Agriculture
SME
Individual
Premium Index
110
111
0
Marketing Expenses
2.0
1.5
0
Loss Prevention (mEUR)
1.7
1.2
0
Claims Settlement
100
100
0
Risk Acceptance
96
97
0
LIABILITY – Sales & Development
Agriculture
SME
Individuals
Commission(%) – Own SF
16
10
0
Commission(%) – Agents
13
13
0
Deployment (No. Persons) – S-SF
7
13
0
Deployment (No. Persons) – G-SF
7
14
0
LIABILITY – Target Values
Agriculture
SME
Individuals
Premium vol. (mEUR)
Market share (%)
PROPERTY
PROPERTY – Main Business
Agriculture
SME
Individuals
Premium Index
108
112
108
Marketing expenses (mEUR)
0.8
0.8
1.5
Loss Prevention (mEUR)
1.8
1.0
2
Claims Settlement (%)
100
100
100
Risk Acceptance (%)
98
96
98
PROPERTY – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
16
10
12
Commision (%) / Agents
12
10
11
Deployment (No. Pers) / S-SF
13
17
6
Deployment (No. Pers) / G-SF
0
10
30
PROPERTY – Target Values
Agriculture
SME
Individuals
Premium vol.(mEUR)
Market share (%)
HEALTH
HEALTH – Main Business
Agriculture
SME
Individuals
Premium Index
107
106
107
Marketing expenses (mEUR)
0.8
0.5
1
Loss Prevention (mEUR)
2.3
1.7
1.5
Claims Settlement (%)
100
100
100
Risk Acceptance (%)
92
93
96
HEALTH – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
13
12
13
Commision (%) / Agents
12
11
10
Deployment (No. Pers) / S-SF
40
20
4
Deployment (No. Pers) / G-SF
15
6
48
HEALTH- Target Values
Agriculture
SME
Individuals
Premium vol.(mEUR)
Market share (%)
MOTOR
MOTOR – Main Business
Agriculture
SME
Individuals
Premium Index
105
112
112
Marketing expenses (mEUR)
1.3
1.0
2.0
Loss Prevention (mEUR)
2.3
0.5
4.0
Claims Settlement (%)
100
100
100
Risk Acceptance (%)
94
95
79
MOTOR – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
13
11
12
Commision (%) / Agents
11
10
11
Deployment (No. Pers) / S-SF
26
11
0
Deployment (No. Pers) / G-SF
0
0
35
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 +/-)
10
30
-40
Salary index (Basis = 100.0)
100
100
100
Training (days per employee)
8
4
4
Start-up funds for new agents (EUR/Agent)
0.06
Budget Decisions
Market research report
No
Information management (% of premium volume)
0.5
Innovation Management (% of premium volume)
0.5
Customer relationship management (% of premium volume)
0.5
Capital Investment Decisions
Fixed interest securities
Fixed-income securities (mEUR)
165
Equity Securities
Low risk (mEUR)
40
Medium risk (mEUR)
20
High risk (mEUR)
0
Borrowing
Short-term loans (mEUR)
8