1. Pension savings with state contribution and tax relief
Corporate offer

2. On the market for over 20 years...
Penzijní společnost České pojišťovny (PSČP) was founded in Since 2008 it has been part of the Generali group, a leading global insurance company.
We are building an image of a provider of high quality services for old-age savings.
We offer our clients a wide range of participation funds and savings programs.
We manage pension savings for the employees of companies.
Our dense distribution channel network means we are capable of providing our clients with quality and easily accessible service.

3. Largest on the market
PSČP currently manages almost CZK 110 billion belonging to 1.1 million clients.

4. ... and they also know it in Europe
PSČP ranks 1st in the Czech Republic and 325th in European PFs
source: (September 2016)
European TOP 1000 PF ranking

5. Why choose PSČP?
Credibility 1.2 million clients rely on PSČP. We manage almost CZK 100 billion. CZK 70 billion total pension payments since PSČP entered the market.
Stability TF appreciation has long been among the TOP 3 on the market.
Appreciation Leading yields in both the transformed fund and participation funds.
Employers
One quarter of our clients enjoy a company contribution.
Services Above-standard service – SMS Info and on-line access to client accounts at

6. PSČP awards Best Innovator in Central and Eastern Europe
Pension Company of the Year
Zlatá koruna
[Gold Crown]
Superbrands
Finparáda

7. Why save for your retirement?
1974: children born
2015: children born
THE NUMBER OF SOCIAL INSURANCE PAYERS IS FALLING
EITHER PENSIONS WILL FALL OR SOCIAL INSURANCE CONTRIBUTIONS WILL RISE
In 2050, people will be entitled to half the current old-age pension!

8. Pension contribution = Savings for the employer
With a wage rise, the employer and employee pay the state levies towards social insurance, health insurance and income tax.
Employer: 34% Employee: 11% + 15%
Contributions towards pension savings
of up to CZK 50 000 a year are not subject to either social or health insurance levies,
they are a tax-deductible cost for the company,
The condition is that the employer’s pension savings contribution is indicated in one of the following documents with the employer: the collective agreement, employment contract or an internal regulation.
in addition, for the employee up to CZK a year is exempt from income tax.

9. Example - how much you can save on costs
Employee income increased by CZK 2 000
Increase in gross wage in CZK
Contribution to SPS in CZK
Difference in CZK
Rise in employee income
2 000
Employee levies 11% + 15%
622
Employee net income
1 378
Annually
16 536
24 000
7 464
Employer costs
2 680
680
32 160
8 160

10. Specifically 100 employees: rise of CZK 500/month
Increase in gross wage in CZK
Increase in gross wage in CZK total
Contribution to SPS in CZK total
Difference in CZK
Rise in employee income 100
500
50 000
Employer costs
670
67 000
17 000
Annual costs
8 040
6 000
Rise in employee income 15
1 000
15 000
1 340
20 100
5 100
16 080
12 000
61 200
Total costs

11. Pension savings = advantageous choice for clients
What is Supplementary Pension Savings?
Regular saving or investing
state support up to CZK a year!
employer contribution
safe
with a long-term investment horizon
without entry or exit fees
A tool for ensuring income after retirement.

12. Security for retirement
For connoisseurs
Gold,
art...
Regular investments
Mutual funds
Own housing
Mortgage
Products with state support
Penzijko + stavebko
Something for progressive users
A good improvement for the majority
A necessary foundation for everybody

13. EMPLOYER CONTRIBUTION
Why Supplementary Pension Savings (SPS)
STATE CONTRIBUTION
up to CZK a year
SIMPLICITY
APPRECIATION
TAX RELIEF
up to CZK a year
POPULARITY
MINIMAL FEES
EMPLOYER CONTRIBUTION
DESIGNATED PERSON
FLEXIBILITY
LIQUIDITY
after two years of saving
PRE-RETIREMENT
DIVERSIFICATION
The cheapest savings product

14. State support

15. What the employer contribution means for the employee
“I want my company to give me a CZK raise.”
Increase in employer costs of CZK 2 000
Increase in gross wage in CZK
Contribution to SPS in CZK
Difference in CZK
Employer costs
2 000
2 000
Employer levies 34%
507
Employee gross income
1 493
Employee levies 11% + 15%
464
Employee net income
1 029
971
Annually
12 348
24 000
11 652

16. Thank you for your attention.