1. presents CEE, Russia & CIS Insurance markets 2009 AGREGATED REGIONAL RESULTS COUNTRY RESULTS TRENDS COMPANIES RANKINGS MAJOR GROUPS

2. CEE Survey 2009 Albania (AL) Bosnia and Herzegovina (BiH) Bulgaria (BG) Croatia (HR) Czech Republic (CZ) Estonia (EE) Hungary (HU) Latvia (LV) Lithuania (LT) Macedonia (MK) Montenegro (MN) Poland (PL) Romania (RO) Serbia (SB) Slovakia (SK) Slovenia (SI) Russia & CIS Belarus Moldova Kazahstan Russia Ukraine Uzbekistan + Turkey

3. The CEE markets in the European landscape Gross Written Premium 2008 EUR 1,056 billion CEE market = 3.21% Source: CEA, national supervision authorities, insurers associations

4. December 31st, 2009 Gross Written Premium EUR 31.3 billion 2009/2008  -7.63% 2008/2007  9.31% Paid Claims EUR 20.1 billion  17.5% The CEE markets – market shares

5. 2009/2008  -7.63% 2008/2007  9.31% The CEE markets – GWP growth rates

6. The CEE markets – paid claims growth rates

7. Insurance density  -7.63% The CEE markets – insurance density

8. The CEE markets – insurance portfolio

9. Life insurance  -13.7% The CEE markets – life insurance dynamic

10. Motor insurance  -4.75% Property insurance  2.8% The CEE markets – non-life insurance dynamic

11. Project Coordinator Daniela GHEŢU Editorial Directordaniela.ghetu@mxp.rodaniela.ghetu@mxp.ro Coordinating Editor Vlad BOLDIJAR Senior Editors Vlad PANCIU Oleg DORONCEANU Andreea IONETE Editor Mihai CRACEA Consultant Andreea STATE CEE, Russia & CIS Insurance markets 2009 We wish you successful recovery!