Profil - Milenijum / Profile - Millennium
četvrtak decembar 14, 2017
CULTURE
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Milenijum za treći milenijum

Aleksandar MarićOva kuća, koja je do sada uglavnom bila posvećena obaveznom osiguranju od autoodgovornosti, a nastojaće da u narednom periodu tržištu ponudi i kvalitetne proizvode iz zdravstvenog osiguranja i osiguranja odgovornosti, ne prodaje osiguranje već kupuje rizik klijenata.

Industrija osiguranja u Srbiji je, još uvek, nedovoljno razvijena, tvrde stručnjaci. Razlozi za to su brojni, a među najvažnijim su − nizak standard građana, usporeni privredni rast i nedovoljna edukacija o tome šta je, zapravo, osiguranje. Zašto nema kulture osiguranja u Srbiji, zbog čega građani nisu spremni da osiguraju imovinu koju stiču čitavog života, kao i kako je finansijska kriza uticala na osiguranje, samo su neka od pitanja za generalnog direktora Milenijum osiguranja Aleksandra Marića. Ova kuća, čiji je vlasnik Croatia osiguranje, već više od dve decenije posluje u Srbiji.

Nedavno ste imenovani za generalnog direktora Milenijum osiguranja. Kakve promene planirate?

Pre svega, želja mi je da podmladim tim ljudi s kojim radim. Smatram da je Društvu potreban dinamičan, fleksibilan, agilan i obrazovan kadar koji će biti spreman da odgovori na sve izazove koje vrlo konkurentno tržište osiguranja danas sa sobom nosi. Takođe, ne smatram da su Društvu neophodni dramatični rezovi. Postoji dobro sačinjena potka, na koju samo treba nadgraditi takvu infrastrukturu koju, između ostalog, čine ljudski resursi, moderne tehnologije (ICT), paleta konkurentnih proizvoda, kvalitetni kanali prodaje i slično, kako bi se moglo odgovoriti zahtevima tržišta. Konačno, planiram da održim poziciju Milenijum osiguranja među 10 vodećih osiguravajućih društava u Srbiji. Uz ovo, želja mi je da budemo ne najveće, nego tehnološki najnaprednije osiguravajuće društvo, koje je, u svakom trenutku i na svakom mestu, 24 časa dnevno, dostupno našim klijentima.

Koji su rezultati poslovanja u 2012. godini i šta očekujete u narednim mesecima?

Važno je napomenuti da Društvo već 10 godina uzastopno posluje pozitivno, sa dobitkom. Prošle godine je zabeležilo dobit od 1,2 miliona kn. Što se tiče ove godine, ona će biti izuzetno teška, kompleksna, posebno zbog poremećaja na makroekonomskom planu (kretanja kursa dinara i smanjenja kamatnih stopa na tržištu kapitala), te će svaki ostvareni pozitivan rezultat biti veliki uspeh.

Milenijum zapošljava 90 ljudi i 220 zastunika. Jeste li zadovoljni prodajnom mrežom i kanalima distribucije?

Imajući u vidu činjenicu da je Milenijum osiguranje nastalo na premiji iz autoodgovornosti, koje je danas, na žalost, jedini obavezni vid osiguranja u Srbiji i da zavisite od jedne vrste proizvoda koja u portfelju predstavlja 80% ukupne premije, moram priznati da nisam zadovoljan strukturom prodajne mreže i kanalima distribucije. Svega četiri filijale, zajedno sa Direkcijom u Beogradu, nisu dovoljna baza za ozbiljno bavljenje ovim poslom. Smatram da je, za teritoriju Srbije i veličinu njenog tržišta osiguranja, optimalan broj od desetak filijala. Međutim, već smo pokrenuli aktivnosti za otvaranje još 5-6 filijala i ekspozitura koje bi nam donele premiju sa boljim tehničkim rezultatom i manjom frekvencijom šteta. Takođe, fokusiraćemo se i na ostale kanale distribucije kao što su brokerska društva, posrednici u osiguranju i banke koje nam mogu obezbediti kvalitetne osiguranike i iz ostalih vrsta osiguranja, ne samo AO.

(Nastavak teksta u štampanom izdanju)

 

"Milenijum" for the third Millennium

This company, which up today has been dedicated mainly to compulsory insurance for automobile liability, will endeavor to offer in the following period high-quality products related to health and liability insurances. We do not sell insurances. We buy the clients’ risk.

Professionals say that Serbia’s insurance industry is still underdeveloped. There are many reasons and the most important are: the low standard of citizens, the slow economic growth and the insufficient education about what insurance are in fact. Why there is no insurance culture in Serbia? Why aren’t citizens ready to insure the assets that they have worked for during their entire lives? How has the financial crisis influenced the insurance market? These are just some of the question that we asked to General Manager of “Milenijum” Insurance, Aleksandar Marić. This company is owned by Croatia Insurance and has operated in Serbia for over two decades.

You were recently appointed as General Manager of Milenijum Insurance. What changes are you planning?

First of all, my wish is to rejuvenate the team, with which I work. I think that society needs dynamic, flexible, agile and educated staff that is ready to answer to all challenges, which characterize the competitive insurance market. I do not think that we need radical changes. There is a good basis, on which we must build the structure, which is composed by people, modern technologies (ICT), a palette of concurrent products, high-quality sale channels etc., in order to answer to the requirements of the market. Finally, I intend to keep the position of Milenijum Insurance as one of the 10 leading insurance companies in Serbia. Besides that, I wish our company to be not the largest, but the most technologically advanced insurance company, which is available to its clients anywhere and in any moment, 24 hours a day.

Which are the results of the operations in 2012 and what do you expect in the following months?

It is important to mention that for 10 years the Company has had positive results and profit. Last year we had a profit of 1.2 million HKR. This year will be exceptionally difficult and complex, due to the disturbances at macroeconomic level (the oscillations of the RSD exchange rate and decrease of interest rates in the capital market) and therefore any positive result will be a great success.

Milenijum employs 90 people and 220 agents. Are you satisfied with the sale network and the distribution channels?

Taking into consideration the fact that Milenijum Insurance appeared thanks to automobile liability premiums, which unfortunately are nowadays the only compulsory form of insurance in Serbia and that we depend on one single product, which represents 80% of our total premium, I must recognize that I am not satisfied with the structure of the sale network and the distribution channels. The four branches and the Direction in Belgrade do not represent a serious enough base to make this work. I think that we need about ten branches to cover the territory of Serbia and the entire size of its insurance market. Therefore, we began our activities by opening 5-6 more branches, which will bring us premiums with better technical results and less frequent damages. We will also focus on the remaining distribution channels, such as broker companies, insurance mediators and banks, which can offer us good clients for the other kinds of insurances and not only automobile liability insurances.

(Continue reading more in printed edition)

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