LETNO POROČILO 2020
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14.4 Poročanje po odsekih ........................................................................................................................................................................ 53
15 POJASNILA K IZKAZU POSLOVNEGA IZIDA.................................................................................................................. 57
15.1 Čisti prihodki od zavarovalnih premij .............................................................................................................................................. 57
15.2 Prihodki od poslovanja in drugi prihodki ........................................................................................................................................ 57
15.3 Prihodki od obresti ............................................................................................................................................................................ 57
15.4 Prihodki od dividend ......................................................................................................................................................................... 58
15.5 Drugi prihodki in odhodki od naložb ............................................................................................................................................... 58
15.6 Čisti odhodki za škode in sprememba zavarovalno tehničnih rezervacij ................................................................................... 59
15.7 Stroški pridobivanja zavarovanj ....................................................................................................................................................... 59
15.8 Stroški dela ......................................................................................................................................................................................... 59
15.9 Ostali stroški ....................................................................................................................................................................................... 60
15.10 Drugi odhodki ..................................................................................................................................................................................... 61
15.11 Odloženi davek in davek od dohodka ............................................................................................................................................. 61
15.12 Čisti dobiček na delnico ..................................................................................................................................................................... 63
16 POJASNILA K IZKAZU FINANČNEGA POLOŽAJA .......................................................................................................... 63
16.1 Neopredmetena dolgoročna sredstva ............................................................................................................................................ 63
16.2 Opredmetena osnovna sredstva ..................................................................................................................................................... 64
16.3 Naložbe v odvisne družbe ................................................................................................................................................................. 66
16.4 Naložbene nepremičnine ................................................................................................................................................................. 67
16.5 Finančne naložbe ............................................................................................................................................................................... 68
Poštena vrednost finančnih naložb ........................................................................................................................................... 71
Sredstva in obveznosti po hierarhiji določanja poštene vrednosti ....................................................................................... 72
16.6 Sredstva zavarovancev, ki prevzemajo naložbeno tveganje ........................................................................................................ 76
16.7 Sredstva iz finančnih pogodb ........................................................................................................................................................... 77
16.8 Terjatve in druga sredstva ................................................................................................................................................................ 79
16.9 Denar in denarni ustrezniki .............................................................................................................................................................. 80
16.10 Kapital .................................................................................................................................................................................................. 80
Osnovni kapital ............................................................................................................................................................................ 80
Rezerve ......................................................................................................................................................................................... 80
16.11 Predlagane in izplačane dividende .................................................................................................................................................. 81
16.12 Zavarovalno tehnične rezervacije .................................................................................................................................................... 81
16.13 Obveznosti iz finančnih pogodb ....................................................................................................................................................... 82
16.14 Druge finančne obveznosti ............................................................................................................................................................... 83
16.15 Obveznosti iz poslovanja, druge rezervacije in ostale obveznosti ............................................................................................... 83
16.16 Izvenbilančne obveznosti SKUPINE ................................................................................................................................................. 84
17 OSTALA RAZKRITJA K IZKAZOM DRUŽBE SKUPINA PRVA D.D. IN SKUPINE PRVA GROUP .................................... 84
17.1 Prejemki članov organov vodenja ali nadzora ter transakcije s povezanimi osebami .............................................................. 84
18 UPRAVLJANJE S TVEGANJI ........................................................................................................................................... 87
18.1 Sistem upravljanja tveganj v minulem letu .................................................................................................................................... 87
18.2 Upravljanje z zavarovalnimi tveganji ............................................................................................................................................... 89
18.3 Upravljanje s finančnimi tveganji ..................................................................................................................................................... 91
Upravljanje s kapitalom .............................................................................................................................................................. 91
Kreditno tveganje ........................................................................................................................................................................ 91
Likvidnostno tveganje ................................................................................................................................................................. 94
Obrestno tveganje ....................................................................................................................................................................... 97
Valutno tveganje ......................................................................................................................................................................... 97
Tveganje sprememb tržnih cen vrednostnih papirjev ............................................................................................................ 98
18.4 Ostala dejstva ..................................................................................................................................................................................... 99
18.5 Pomembnejši dogodki po datumu izdelave bilance stanja .......................................................................................................... 99
19 KAZALO TABEL ............................................................................................................................................................ 101
20 KAZALO GRAFOV ........................................................................................................................................................ 103