{"id":432,"date":"2025-05-12T17:29:34","date_gmt":"2025-05-12T17:29:34","guid":{"rendered":"https:\/\/bilten.spk.rs\/spkbilten012025\/?page_id=432"},"modified":"2025-05-14T11:55:27","modified_gmt":"2025-05-14T11:55:27","slug":"dragan-markovic-2","status":"publish","type":"page","link":"https:\/\/bilten.spk.rs\/spkbilten012025\/sl\/dragan-markovic-2\/","title":{"rendered":"Dragan Markovi\u0107"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"432\" class=\"elementor elementor-432\" 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, Zavarovalnica Triglav 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>V letu 2024 je Skupina &#8220;Triglav&#8221; dosegla skupni obseg poslovanja v vi\u0161ini 1,72 milijarde evrov, kar je nad na\u010drtovano vrednostjo okoli 1,6 milijarde evrov. Poslovni izid Skupine pred obdav\u010ditvijo je dosegel 159 milijonov evrov, \u010disti poslovni izid pa 131,4 milijona evrov. Na te rezultate so pozitivno vplivale ugodne razmere na finan\u010dnih trgih, razmeroma ugodne \u0161kode in enkratni dogodki, predvsem u\u010dinki v segmentu Zdravje. S tem je Skupina Triglav utrdila svoj vodilni polo\u017eaj na zavarovalni\u0161kem trgu tako v Sloveniji kot v jadranski regiji ter ohranila visoko bonitetno oceno.\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>Zavarovalnica Triglav Beograd: Stabilna rast tudi v zahtevnih \u010dasih<\/strong><\/p><p><strong>SPK: Skupina Triglav je v letu 2024 po revidiranem letnem poro\u010dilu presegla na\u010drte in dosegla pomemben rezultat na zavarovalni\u0161kem trgu?<\/strong><\/p><p>DM: V letu 2024 je Skupina &#8220;Triglav&#8221; dosegla skupni obseg poslovanja v vi\u0161ini 1,72 milijarde evrov, kar je nad na\u010drtovano vrednostjo okoli 1,6 milijarde evrov. Poslovni izid Skupine pred obdav\u010ditvijo je dosegel 159 milijonov evrov, \u010disti poslovni izid pa 131,4 milijona evrov. Na te rezultate so pozitivno vplivale ugodne razmere na finan\u010dnih trgih, razmeroma ugodne \u0161kode in enkratni dogodki, predvsem u\u010dinki v segmentu Zdravje. S tem je Skupina Triglav utrdila svoj vodilni polo\u017eaj na zavarovalni\u0161kem trgu tako v Sloveniji kot v jadranski regiji ter ohranila visoko bonitetno oceno.<\/p><p><strong>SPK: Ali je regionalnemu trendu rasti sledil srbski trg in kako vidite polo\u017eaj &#8220;Triglav osiguranja&#8221; na doma\u010dem trgu?<\/strong><\/p><p>DM: &#8220;Triglav osiguranje&#8221; Beograd je v letu 2024 skupni obseg poslovanja pove\u010dalo za 19 odstotkov, na 117 milijonov evrov. Skupna obra\u010dunana fakturirana premija dru\u017ebe je zna\u0161ala 114,9 milijona evrov (lani 96,9 milijona evrov). Poleg tega je &#8220;Triglav osiguranje&#8221; do konca tretjega \u010detrtletja 2024 pove\u010dalo svoj tr\u017eni dele\u017e na 7,7 odstotka in s tem potrdilo svoj tr\u017eni polo\u017eaj. \u017de ve\u010d kot desetletje dosegamo stabilno in dobi\u010dkonosno rast, pri \u010demer upo\u0161tevamo potrebe na\u0161ih strank po minimiziranju tveganj za \u017eivljenje, zdravje, premo\u017eenje in odgovorno ravnanje z zavarovalno za\u0161\u010dito in zagotavljanjem spremljajo\u010de asistence. Dvigujemo raven storitev, izbolj\u0161ujemo produkte in predano delamo na strokovnem razvoju zaposlenih ter s tem ustvarjamo ugodne pogoje za stalen in trajnostni razvoj.<\/p><p><strong>SPK: Kako je na ta rezultat vplivala inflacija in s kak\u0161nimi konkretnimi ukrepi &#8220;Triglav osiguranje&#8221; bla\u017ei njene negativne u\u010dinke?<\/strong><\/p><p>DM: Spremembe v makroekonomskem in poslovnem okolju, ki so se za\u010dele s svetovno geopoliti\u010dno in energetsko krizo leta 2022, so se prenesle na doma\u010di zavarovalni\u0161ki trg z vidnimi u\u010dinki na poslovanje zavarovalni\u0161kega sektorja v letih 2023 in 2024. Te okoli\u0161\u010dine so zahtevale prilagoditev poslovnih modelov zavarovalnic z optimizacijo poslovnih procesov in stro\u0161kovno u\u010dinkovitostjo za ubla\u017eitev inflacijskih u\u010dinkov in zagotavljanje vzdr\u017ene dobi\u010dkonosne rasti. &#8220;Triglav osiguranje&#8221; si s skrbno izbiro tveganj, optimizacijo stro\u0161kov in poslovnih procesov ter s premi\u0161ljeno nalo\u017ebeno politiko prizadeva svoj poslovni model prilagoditi spremembam v poslovnem okolju. Cilj tega pristopa je, da se vplivi inflacije in drugih makroekonomskih dejavnikov ne prena\u0161ajo izklju\u010dno na stranke s povi\u0161anjem cen, temve\u010d da se zgradi dolgoro\u010den, stabilen odnos, ki temelji na medsebojnem zaupanju.<\/p><p>\u00a0<\/p><p><strong>SPK: &#8220;Triglav osiguranje&#8221; je v preteklem letu dalo na trg nov produkt &#8211; Poslovno polico, namenjeno mikro, malim in srednjim podjetjem. V kolik\u0161ni meri je ciljni segment prepoznal pomen zavarovanja kot orodja za izbolj\u0161anje poslovne varnosti?<\/strong><\/p><p>DM: Zavarovanje, prilagojeno individualnim potrebam strank, je optimalen mehanizem za zmanj\u0161evanje vsakodnevnih tveganj, ki so jim izpostavljeni poslovni subjekti, za katere so zna\u010dilne posebnosti tako v zunanjem okolju kot v notranji organizacijski strukturi. Poslovna polica \u00bbTriglav osiguranje\u00ab je fleksibilna ponudba, ki strankam zagotavlja ve\u010djo stopnjo varnosti s personaliziranimi kritji, ki si jih stranke prakti\u010dno izberejo same. Cilj individualnega pristopa je vzpostavitev medsebojnega zaupanja med stranko in zavarovalnico, vzpostavitev dolgoro\u010dnega partnerstva, izbolj\u0161anje selekcije tveganj in zni\u017eanje stro\u0161kov.<\/p><p><strong>SPK: Kako obdobje digitalizacije poleg novih produktov po meri strank vpliva na zavarovalni\u0161ki trg?<\/strong><\/p><p>DM: Digitalizacija predstavlja enega klju\u010dnih dejavnikov preobrazbe zavarovalni\u0161kega trga, saj prina\u0161a pomembne spremembe v na\u010dinu izvajanja storitev, komuniciranju s strankami in razvoju novih produktov. Tehnolo\u0161ki napredek je zavarovalnicam omogo\u010dil redefiniranje poslovnih modelov, izbolj\u0161anje u\u010dinkovitosti poslovanja in odzivanje na vse bolj sofisticirane zahteve strank. Preko digitalnih platform in orodij je omogo\u010deno hitrej\u0161e in preglednej\u0161e vodenje politik, enostavnej\u0161i postopek in obdelava zahtevkov ter personalizacija ponudbe na podlagi analize podatkov in vedenja uporabnikov. Sodobni CRM sistemi in umetna inteligenca prispevajo k natan\u010dnej\u0161i segmentaciji trga, optimizaciji tveganj in pravo\u010dasnemu odzivanju na spremembe potreb strank. Razvoj spletnih portalov, mobilnih aplikacij in avtomatiziranih storitev za stranke pove\u010duje kakovost uporabni\u0161ke izku\u0161nje, pove\u010duje dostopnost storitev in zmanj\u0161uje potrebo po fizi\u010dni prisotnosti. To je \u0161e posebej pomembno za mlaj\u0161e generacije uporabnikov, ki pri\u010dakujejo hitrost, enostavnost in digitalno dostopnost izdelkov in storitev. Vse to prispeva k ve\u010dji konkuren\u010dnosti, vi\u0161ji stopnji zadovoljstva uporabnikov in dolgoro\u010dni vzdr\u017enosti zavarovalnic.\u00a0<\/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, Zavarovalnica Triglav Beograd www.triglav.rs V letu 2024 je Skupina &#8220;Triglav&#8221; dosegla skupni obseg 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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-432","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-json\/wp\/v2\/pages\/432","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-json\/wp\/v2\/comments?post=432"}],"version-history":[{"count":7,"href":"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-json\/wp\/v2\/pages\/432\/revisions"}],"predecessor-version":[{"id":589,"href":"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-json\/wp\/v2\/pages\/432\/revisions\/589"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-json\/wp\/v2\/media\/232"}],"wp:attachment":[{"href":"https:\/\/bilten.spk.rs\/spkbilten012025\/wp-json\/wp\/v2\/media?parent=432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}