Analiza sytuacji konkurencyjnej na rynku zakładów ubezpieczeń za pomocą zmodyfikowanej macierzy opłacalności biznesu

Adam Kopiński , Dariusz Porębski

Abstract

Various organizations can be seen as potentially interested in the financial conditions of insurance companies. One of the key measures used to evaluate their financial status is return on equity (ROE), which in conjunction with gross written premiums allows to determine the market situation and competition among insurers. Research methodology: presentation of the return on equity of insurers along with gross written premiums using a tool of modified matrix of business profitability drawing on the classical portfolio method and strategic controlling known as BCG. Results: article based on Polish Insurance Association data presents calculations of dynamic measures of ROE for insurers operating in Poland. Then, market share measured by gross written premiums of insurance companies is juxtaposed with ROE dynamic on the modified matrix of business profitability. Originality: ROE presentation for insurers along with gross written premiums using a tool of modified matrix of business profitability may be useful in analysis of the financial situation of insurance firms and competition in the insurance sector.