1. PIAȚA ROMÂNEASCĂ 2010 O ÎNTOARCERE ÎN TIMP ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL Alex. ROSCA Editor in Chief PRIMM Publications - Insurance & Pensions ROMANIAN INSURANCE MARKET 2010 A TIME TRAVEL

2. IN BRIEF DINAMICA PIEȚEI 1999 – 2009 MARKET DYNAMIC 1999-2009 REPERE ALE DINAMICII DYNAMICS MILESTONES PERSPECTIVE 2010 2010 PERSPECTIVES ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

3. ROMANIAN MARKET 1999-2009 Non-life ~ 1,7 mld. EUR Life< 400 mil. EUR 2,1 mld. EUR ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL Non-life insurance (EUR mil.)Life insurance (EUR mil)

4. BILANȚ 2009 GWP : EUR 2,11 bln. EUR. (MAI 2009: 2,19) DYNAMIC: -13% (+13% - 2008) NEGATIVE DYNAMIC 26 from 40 insurers Insurance Density: 2009: 97.10 EUR 2008: 111,75 EUR Penetration Degree: +0,05 pp. up to 1,82% from GDP ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

5. STRUCTURA PIEȚEI 1999-2009 ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL Others CREDIT PROPERTY MTPL MOTOR HULL LIFE INSURANCE

6. MARKET STRUCTURE- 2009 -2,09 +0.88 -2.35 +4.52 ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL LIFE INSURANCE PROPERTY MOTOR HULL MTPL OTHER

7. 1Q2010 – MARKET RESULTS GWP: EUR 560 m. DECREASE: -2,21% (-12,33% - 1Q 2008) NEGATIVE DYNAMIC 16 from 33 MTPL LEADER BECAME THE NEW MARKET LEADER ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL

8. MARKET STRUCTURE – T1 2010 +2,52 +2,02 -6,50 +5.74 ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL LIFE INSURANCE PROPERTY MOTOR HULL MTPL OTHER

9. ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL NON-LIFE TOP 3 (mil. EUR)

10. ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL LIFE TOP 3 (mil. EUR)

11. ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL MTPL DEVELOPMENT 1Q 2007-2010

12. ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL 2010 FORECAST ~2 mld. EUR

13. ROMANIAN INSURANCE MARKET: 2010 – A TIME TRAVEL SURSA DATELOR: