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PL
Celem artykułu jest oszacowanie i ocena efektywności technicznej firm ubezpieczeniowych w krajach Grupy Wyszehradzkiej w okresie 2009-2016. Ocena ta została dokonana na podstawie analizy przeprowadzonej metodą DEA. Sektor ubezpieczeniowy w tych krajach podlegał znacznym zmianom w badanym okresie. Wyniki analizy wskazują, że okresie tym średnia efektywność firm ubezpieczeniowych wynosiła około 65-80%. Istniały jednak pod tym względem znaczne różnice pomiędzy poszczególnymi firmami ubezpieczeniowymi i poszczególnymi krajami. Najwyższą efektywność wykazywał sektor ubezpieczeniowy na Węgrzech i w Polsce, a najniższą w Słowacji. Ogólnie biorąc, w badanym okresie występowała prawie stabilna tendencja wzrostu efektywności, ze spadkiem odnotowanym w latach 2012 i 2014. Przyczyną tego spadku był spadek liczby ubezpieczonych jednostek, spadek dochodów netto i wysoki poziom kosztów.
EN
The aim of the paper is to estimate the technical efficiency of insurance providers in the Visegrad Group countries in the period 2009-2016 using data envelopment analysis (DEA). The insurance sector in these countries underwent significant changes in the analysed period. during the last two decades. According to the results of the analysis, the average efficiency of insurance companies was approximately 65-80% in the period under study. There were, however, considerable differences among individual insurance companies as well as among the national insurance sectors. The most efficient insurance sectors were those of Hungary and Poland, and the least efficient that of Slovakia. The overall development of efficiency was almost stable, and efficiency decreased in 2012 and 2014. The reason for the inefficiency fall was the decrease in number of premiums written and net income and the high level of costs.
EN
Financial stability has become an important topic, especially in recent years. However, there is no consistent approach for measuring the financial stability of insurance companies. The aim of this paper is to construct the summarized financial stability index for the insurance companies and applied this index on the Czech insurance companies. We construct and applied the financial stability index separately for insurance companies that predominantly provide life insurance and non-life insurance. The financial stability index focuses on five areas. The results show that insurance companies specialised in a particular non-life insurance product are more financially stable. The research suggests that the evolution of insurance companies has been influenced by organisational changes and economic changes. During the period 2004 – 2019, the examined insurance companies did not show any problems in terms of financial stability.
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