{"id":206,"date":"2025-05-10T06:42:08","date_gmt":"2025-05-10T06:42:08","guid":{"rendered":"https:\/\/bilten.spk.rs\/spkbilten012025\/?page_id=206"},"modified":"2025-05-14T11:55:20","modified_gmt":"2025-05-14T11:55:20","slug":"dragan-markovic","status":"publish","type":"page","link":"https:\/\/bilten.spk.rs\/spkbilten012025\/dragan-markovic\/","title":{"rendered":"Dragan Markovi\u0107"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"206\" class=\"elementor elementor-206\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5e6c7e5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e6c7e5\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c27240c animated-slow elementor-invisible\" data-id=\"c27240c\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e09ec0f elementor-widget elementor-widget-heading\" data-id=\"e09ec0f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Intervju<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fed5a1b elementor-widget elementor-widget-heading\" data-id=\"fed5a1b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Dr Dragan  <b>Markovi\u0107<\/b>  <\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e1ecc2 elementor-widget elementor-widget-heading\" data-id=\"0e1ecc2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">predsednik IO, Triglav Osiguranje Beograd<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ff9617 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"4ff9617\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.triglav.rs\/\" target=\"_blank\">www.triglav.rs<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a2a58d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2a2a58d\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e732b30 elementor-widget elementor-widget-text-editor\" data-id=\"e732b30\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>U 2024. godini Grupa \u201eTriglav\u201d je ostvarila ukupan obim poslovanja od 1,72 milijarde evra, \u0161to je iznad planirane vrednosti od oko 1,6 milijardi evra. Poslovni rezultat Grupe pre oporezivanja dostigao je 159 miliona evra, a neto poslovni rezultat 131,4 miliona evra. Na ove rezultate pozitivno su uticali povoljni uslovi na finansijskim tr\u017ei\u0161tima, relativno povoljni od\u0161tetni zahtevi i jednokratni doga\u0111aji, posebno efekti u segmentu Zdravlja. Ovim je Grupa \u201eTriglav\u201d u\u010dvrstila svoju vode\u0107u poziciju na tr\u017ei\u0161tu osiguranja kako u Sloveniji, tako i u Adrija regiji, zadr\u017eavaju\u0107i visok kreditni rejting.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-27daafd\" data-id=\"27daafd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a43c18c animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"a43c18c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"340\" height=\"340\" src=\"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-content\/uploads\/2025\/05\/SFT3644ab-copy.png\" class=\"attachment-large size-large wp-image-232\" alt=\"\" srcset=\"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-content\/uploads\/2025\/05\/SFT3644ab-copy.png 340w, https:\/\/bilten.spk.rs\/spkbilten012025\/wp-content\/uploads\/2025\/05\/SFT3644ab-copy-300x300.png 300w, https:\/\/bilten.spk.rs\/spkbilten012025\/wp-content\/uploads\/2025\/05\/SFT3644ab-copy-150x150.png 150w\" sizes=\"(max-width: 340px) 100vw, 340px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-cc75c29 e-flex e-con-boxed e-con e-parent\" data-id=\"cc75c29\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a61636 elementor-widget elementor-widget-text-editor\" data-id=\"2a61636\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Triglav osiguranje: Stabilan rast i u izazovnim vremenima<br><\/strong>&nbsp;<\/p>\n<p><strong>SPK: Prema revidiranom godi\u0161njem izve\u0161taju, Grupa \u201eTriglav\u201d je tokom 2024. godine prema\u0161ila planove i ostvarila zna\u010dajan rezultat na tr\u017ei\u0161tu osiguranja?<\/strong><\/p>\n<p>DM: U 2024. godini Grupa \u201eTriglav\u201d je ostvarila ukupan obim poslovanja od 1,72 milijarde evra, \u0161to je iznad planirane vrednosti od oko 1,6 milijardi evra. Poslovni rezultat Grupe pre oporezivanja dostigao je 159 miliona evra, a neto poslovni rezultat 131,4 miliona evra. Na ove rezultate pozitivno su uticali povoljni uslovi na finansijskim tr\u017ei\u0161tima, relativno povoljni od\u0161tetni zahtevi i jednokratni doga\u0111aji, posebno efekti u segmentu Zdravlja. Ovim je Grupa \u201eTriglav\u201d u\u010dvrstila svoju vode\u0107u poziciju na tr\u017ei\u0161tu osiguranja kako u Sloveniji, tako i u Adrija regiji, zadr\u017eavaju\u0107i visok kreditni rejting.<\/p>\n<p><strong>SPK: Da li je regionalni trend rasta ispratilo i tr\u017ei\u0161te Srbije i kako vidite poziciju \u201eTriglav osiguranja\u201d na doma\u0107em tr\u017ei\u0161tu?<\/strong><\/p>\n<p>DM: \u201eTriglav osiguranje\u201d Beograd, u 2024. godini povec\u0301alo je ukupan obim poslovanja za 19 odsto, na 117 miliona evra. Ukupna obra\u010dunata fakturisana premija dru\u0161tva iznosila je 114,9 miliona evra (u pro\u0161loj godini 96,9 miliona evra). Pored toga, \u201eTriglav osiguranje\u201d je do kraja tre\u0107eg kvartala 2024. godine pove\u0107alo svoje tr\u017ei\u0161no u\u010de\u0161\u0107e na 7,7 odsto, \u010dime je potvrdilo svoju tr\u017ei\u0161nu poziciju. Vi\u0161e od decenije ostvarujemo stabilan i profitabilan rast, vode\u0107i ra\u010duna o potrebama na\u0161ih klijenata za minimizacijom rizika po \u017eivot, zdravlje, imovinu i odgovorno pona\u0161anje putem osiguravaju\u0107e za\u0161tite i pru\u017eanje prate\u0107ih asistencija. Podi\u017eemo nivo usluga, unapre\u0111ujemo proizvode i posve\u0107eno radimo na profesionalnom razvoju zaposlenih, \u010dime stvaramo povoljne uslove za kontinuirani i odr\u017eivi razvoj.<\/p>\n<p><strong>SPK: Kako je inflacija uticala na ovaj rezultat i koje konkretne mere \u201eTriglav osiguranje\u201d preduzima da bi ubla\u017eilo njene negativne efekte?<\/strong><\/p>\n<p>DM: Promene u makroekonomskom i poslovnom okru\u017eenju, zapo\u010dete globalnom geopoliti\u010dkom i energetskom krizom jo\u0161 2022. godine, prenesene su i na doma\u0107e tr\u017ei\u0161te osiguranja, uz vidljive efekte na poslovanje sektora osiguranja tokom 2023. i 2024. godine. Ove okolnosti zahtevale su prilago\u0111avanje poslovnih modela osiguravaju\u0107ih dru\u0161tava kroz optimizaciju poslovnih procesa i tro\u0161kovnu efikasnost kako bi se ubla\u017eili inflatorni efekti i obezbedio odr\u017eivi profitabilan rast. \u201eTriglav osiguranje\u201d nastoji da svoj poslovni model prilagodi promenama u poslovnom okru\u017eenju kroz pa\u017eljivu selekciju rizika, optimizaciju tro\u0161kova i poslovnih procesa, kao i kroz promi\u0161ljenu investicionu politiku. Cilj ovog pristupa je da se efekti inflacije i drugih makroekonomskih faktora ne prenose isklju\u010divo na klijente kroz pove\u0107anje cena, ve\u0107 da se izgradi dugoro\u010dan, stabilan odnos zasnovan na me\u0111usobnom poverenju.<\/p>\n<p><strong>SPK: Tokom prethodne godine \u201eTriglav osiguranje\u201d je plasiralo na tr\u017ei\u0161te novi proizvod \u2013 Biznis polisu, namenjenu mikro, malim i srednjim preduze\u0107ima. U kojoj meri je ciljni segment prepoznao zna\u010daj osiguranja kao alata za unapre\u0111enje poslovne sigurnosti?<\/strong><\/p>\n<p>DM: Osiguranje prilago\u0111eno individualnim potrebama klijenata predstavlja optimalan mehanizam za umanjenje svakodnevnih rizika kojima su izlo\u017eeni poslovni subjekti koje karakteri\u0161u specifi\u010dnosti kako u pogledu spoljnog ambijenta, tako i interne organizacione strukture. Biznis polisa \u201eTriglav osiguranja\u201d je fleksibilna ponuda, koja klijentima pru\u017ea ve\u0107i stepen sigurnosti uz personalizovano pokri\u0107e koje klijenti prakti\u010dno sami biraju. Cilj ovakvog individualnog pristupa jeste izgradnja me\u0111usobnog poverenja izme\u0111u klijenta i osigurava\u010da, uspostavljanje dugoro\u010dnog partnerstva, unapre\u0111enje selekcije rizika i smanjenje tro\u0161kova.<\/p>\n<p><strong>SPK: Osim novih proizvoda kreiranih po meri klijenata, kako era digitalizacije uti\u010de na tr\u017ei\u0161te osiguranja?<\/strong><\/p>\n<p>DM: Digitalizacija predstavlja jedan od klju\u010dnih \u010dinilaca transformacije tr\u017ei\u0161ta osiguranja, donose\u0107i zna\u010dajne promene u na\u010dinu pru\u017eanja usluga, komunikaciji s klijentima i razvoju novih proizvoda. Tehnolo\u0161ki napredak omogu\u0107io je osiguravaju\u0107im kompanijama da redefini\u0161u poslovne modele, unaprede operativnu efikasnost i odgovore na sve sofisticiranije zahteve korisnika. Kroz digitalne platforme i alate, omogu\u0107eno je br\u017ee i transparentnije upravljanje polisama, jednostavniji proces prijave i obrade \u0161teta, kao i personalizacija ponude na osnovu analize podataka i pona\u0161anja korisnika. Savremeni CRM sistemi i ve\u0161ta\u010dka inteligencija doprinose preciznijoj segmentaciji tr\u017ei\u0161ta, optimizaciji rizika i pravovremenom reagovanju na promene u potrebama klijenata. Razvoj online portala, mobilnih aplikacija i automatizovanih korisni\u010dkih servisa podi\u017ee kvalitet korisni\u010dkog iskustva, pove\u0107ava dostupnost usluga i smanjuje potrebu za fizi\u010dkim prisustvom. Ovo je posebno va\u017eno za mla\u0111e generacije korisnika koje o\u010dekuju brzinu, jednostavnost i digitalnu dostupnost proizvoda i usluga. Sve ovo doprinosi pove\u0107anju konkurentnosti, ve\u0107em stepenu zadovoljstva korisnika i dugoro\u010dnoj odr\u017eivosti osiguravaju\u0107ih dru\u0161tava.&nbsp;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ee3e7e elementor-widget elementor-widget-image\" data-id=\"2ee3e7e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.triglav.rs\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"455\" src=\"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-content\/uploads\/2025\/05\/Triglav-1024x455.png\" class=\"attachment-large size-large wp-image-211\" alt=\"\" srcset=\"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-content\/uploads\/2025\/05\/Triglav-1024x455.png 1024w, https:\/\/bilten.spk.rs\/spkbilten012025\/wp-content\/uploads\/2025\/05\/Triglav-300x133.png 300w, https:\/\/bilten.spk.rs\/spkbilten012025\/wp-content\/uploads\/2025\/05\/Triglav-768x341.png 768w, https:\/\/bilten.spk.rs\/spkbilten012025\/wp-content\/uploads\/2025\/05\/Triglav.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Intervju Dr Dragan Markovi\u0107 predsednik IO, Triglav Osiguranje Beograd www.triglav.rs U 2024. godini Grupa \u201eTriglav\u201d je ostvarila ukupan obim poslovanja [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":232,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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