Russian Insurance Industry Forecast to 2012

Table of Contents

1. Analyst View

2. Russia Insurance Market - An Overview

3. Russia - A Lucrative Insurance Market

• 3.1 Living Standard
• 3.2 Natural Catastrophes
• 3.3 Market Penetration
• 3.4 Market Consolidation
• 3.5 Economic Growth
• 3.6 Government Initiatives

4. Market Performance

• 4.1 By Product
  • 4.1.1 Life
  • 4.1.2 Non-life
    • 4.1.2.1 Motor
    • 4.1.2.2 Medical
    • 4.1.2.3 CAR and EAR
    • 4.1.2.4 Aviation and Space
    • 4.1.2.5 Marine
    • 4.1.2.6 Cargo
    • 4.1.2.7 Energy
    • 4.1.2.8 Liability
• 4.2 By Insurance Class
  • 4.2.1 Compulsory
  • 4.2.2 Voluntary
• 4.3 By Distribution Network
  • 4.3.1 Tied Agents
  • 4.3.2 Brokers
  • 4.3.3 Bancassurance
• 4.4 By Reinsurance
  • 4.4.1 Overview
  • 4.4.2 Performance

5. Growth Prospects

• 5.1 Motor Hull Insurance
• 5.2 Household Insurance
• 5.3 Pension Market
• 5.4 CAR and EAR Insurance

6. Growth Blockers

• 6.1 Public Distrust
• 6.2 Population
• 6.3 Information Technology
• 6.4 Qualified Professionals

7. Regulatory Developments

• 7.1 Business Lines Separation
• 7.2 Separate License for Reinsurance
• 7.3 Capitalization
• 7.4 Reserve Requirement
• 7.5 Asset Allocation

8. Key Players Analysis

• 8.1 Rosgosstrakh
• 8.2 Ingosstrakh
• 8.3 Sogaz
• 8.4 Reso-Garantia
• 8.5 Rosno
• 8.6 MAKS
• 8.7 KAPITAL STRAKHOVANIE
• 8.8 URALSIB
• 8.9 VSK
• 8.10 SPASSKIE VOROTA

List of Figures:

• Figure 2-1: Insurance Premium (Billion RUB), 2005-2009
• Figure 2-2: CIS - Insurance Premium by Country (%), 2006
• Figure 3-1: Per Head Disposable Income (US$), 2005-2009
• Figure 3-2: Forecast for Per Head Disposable Income (US$), 2010-2012
• Figure 3-3: Per Capita Consumer Spending on Insurance (US$), 2005-2009
• Figure 3-4: Natural Catastrophes by Region (%), 2005
• Figure 3-5: BRIC - Insurance Premium Spending as % of GDP (2008)
• Figure 3-6: Number of Insurance Companies (2006-2009)
• Figure 3-7: Forecast for Number of Insurance Companies (2010-2012)
• Figure 3-8: GDP per Head (US$), 2005-2009
• Figure 3-9: Forecast for GDP per Head (US$), 2010-2012
• Figure 4-1: Share of Life and Non-life Insurance Premium (2008)
• Figure 4-2: Life Insurance Premium (Billion RUB), 2005-2009
• Figure 4-3: Forecast for Life Insurance Premium (Billion RUB), 2010-2012
• Figure 4-4: Europe - Life Insurance Market by Country (%), 2007
• Figure 4-5: Life Insurance Premium by Segment (%), Q1 2006
• Figure 4-6: Ratio of Life Insurance Premium and Claims Paid (%), 2008
• Figure 4-7: Europe - Non-life Insurance Market by Country (%), 2007
• Figure 4-8: Non-life Insurance Premium (Billion RUB), 2005-2009
• Figure 4-9: Forecast for Non-life Insurance Premium (Billion RUB), 2010-2012
• Figure 4-10: Passenger Car Sales (‘000 Units), 2005-2009
• Figure 4-11: CMTPL Insurance Premium (Billion RUB), 2005-2009
• Figure 4-12: Ratio of CMTPL Insurance Premium & Claims Paid (%), 2008
• Figure 4-13: Compulsory Medical Insurance Premium (Billion RUB), 2005-2009
• Figure 4-14: Property Insurance Penetration (%), 2008
• Figure 4-15: Property Insurance Premium (Billion RUB), 2005-2009
• Figure 4-16: Ratio of Property Insurance Premium and Claims Paid (%), 2008
• Figure 4-17: Aviation Insurance Premium (Billion RUB), 2006 & 2007
• Figure 4-18: Marine Liability Insurance Premium (Million RUB), 2006 & 2007
• Figure 4-19: Cargo Insurance Premium (Billion RUB), 2005-2007
• Figure 4-20: Liability Insurance Premium (Billion RUB), 2005-2009
• Figure 4-21: Liability Insurance Claims Paid (Billion RUB), 2005-2009
• Figure 4-22: Voluntary and Compulsory Insurance Premium (Billion RUB), 2006-2008
• Figure 4-23: Compulsory Insurance Premium by Segment (%), 2007
• Figure 4-24: Voluntary Insurance Premium by Segment (%), 2007
• Figure 4-25: Reinsurance Premium by Segment (%), 2007
• Figure 4-26: Reinsurance Premium (Billion RUB), 2005-2009
• Figure 4-27: Ratio of Reinsurance Premium and Claims Paid (%) 2007
• Figure 4-28: Forecast for Reinsurance Premium (Billion RUB), 2010-2012
• Figure 5-1: Forecast for Passenger Car Sales (‘000 Units), 2010-2012
• Figure 5-2: CAR and EAR Insurance Premium (Billion RUB), 2007 & 2012
• Figure 6-1: Population (Million), 2005-2009
• Figure 6-2: Forecast for Population (Million), 2010-2012
• Figure 8-1: Rosgosstrakh - Insurance Premium by Segment (%), 2007
• Figure 8-2: Ingosstrakh - Insurance Premium by Segment (%), 2007
• Figure 8-3: Sogaz - Insurance Premium by Segment (%), 2007
• Figure 8-4: Reso-Garantia - Insurance Premium by Segment (%), 2007
• Figure 8-5: Rosno - Insurance Premium by Segment (%), 2007
• Figure 8-6: MAKS - Insurance Premium by Segment (%), 2007
• Figure 8-7: KAPITAL STRAKHOVANIE - Insurance Premium by Segment (%), 2007
• Figure 8-8: URALSIB - Insurance Premium by Segment (%), 2007
• Figure 8-9: VSK - Insurance Premium by Segment (%), 2007
• Figure 8-10: SPASSKIE VOROTA - Insurance Premium by Segment (%), 2007

List of Tables:

• Table 5-1: Breakup of Ageing Population by Age Group (Million), 2004-2009
• Table 5-2: Forecast for Breakup of Ageing Population by Age Group (Million), 2010-2012