PSM Period 5 Desicions
Company 4
Period 5
LIABILITY
LIABILITY – Main Business
Agriculture
SME
Individual
Premium Index
105
105
0
Marketing Expenses
1
0.5
0
Loss Prevention (mEUR)
0.5
0.3
0
Claims Settlement
98
96
0
Risk Acceptance
97
93
0
LIABILITY – Sales & Development
Agriculture
SME
Individuals
Commission(%) – Own SF
21
18
0
Commission(%) – Agents
27
24
0
Deployment (No. Persons) – S-SF
45
29
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
102
106
105
Marketing expenses (mEUR)
1
0.3
1.5
Loss Prevention (mEUR)
0.4
0.3
0.5
Claims Settlement (%)
96
92
97
Risk Acceptance (%)
98
94
95
PROPERTY – Sales and Deployment
Agriculture
SME
Individuals
Commision (%) / Own SF
21
16
19
Commision (%) / Agents
26
21
24
Deployment (No. Pers) / S-SF
41
15
5
Deployment (No. Pers) / G-SF
4
10
36
PROPERTY – Target Values
Agriculture
SME
Individuals
Premium vol.(mEUR)
Market share (%)
HEALTH
HEALTH – Main Business
Agriculture
SME
Individuals
Premium Index
104
105
101
Marketing expenses (mEUR)
1
1
1.5
Loss Prevention (mEUR)
0.7
0.3
0.5
Claims Settlement (%)
97
98
98
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
46
24
6
Deployment (No. Pers) / G-SF
19
8
59
HEALTH- Target Values
Agriculture
SME
Individuals
Premium vol.(mEUR)
Market share (%)
MOTOR
MOTOR – Main Business
Agriculture
SME
Individuals
Premium Index
100
105.5
104.5
Marketing expenses (mEUR)
1
0.8
4
Loss Prevention (mEUR)
0.8
0.2
2
Claims Settlement (%)
95
93
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
37
18
0
Deployment (No. Pers) / G-SF
0
0
50
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 +/-)
+30
+30
+30
Transfers (Number +/-)
+15
+15
-30
Salary index (Basis = 100.0)
102
102
102
Training (days per employee)
5
5
5
Start-up funds for new agents (EUR/Agent)
11000
Budget Decisions
Market research report
No
Information management (% of premium volume)
1.6
Innovation Management (% of premium volume)
1.4
Customer relationship management (% of premium volume)
1
Capital Investment Decisions
Fixed interest securities
Fixed-income securities (mEUR)
230
Equity Securities
Low risk (mEUR)
25
Medium risk (mEUR)
74
High risk (mEUR)
25
Borrowing
Short-term loans (mEUR)
0