Drina
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest resultsJan–Sep 2026, year to date: €10m of premium, −2.1% on Jan–Sep 2025 (market +4.8%); share 2.1% (−0.2 pp), #16 of 23. More
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Drina's line mix, and where it stands among the 23 insurers in Bosnia and Herzegovina on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Bosnia and Herzegovina with that figure in FY 2025; the dot is this insurer, the tick in the middle the median. Combined ratios as shown across the site: after reinsurance where published, else gross. The rose: each petal's area is the line's share of written premium; the dashed ring is a quarter.
Latest quarter
Premium and market share
Market share against the nearest rivals
By year
| Insurer | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Dunav | 3.2% | 3.2% | 3.1% | 3.0% | 3.0% |
| Aura | 3.4% | 3.3% | 3.3% | 3.0% | 2.5% |
| Drina | 2.7% | 2.6% | 2.6% | 2.5% | 2.3% |
| Mikrofin (MF) | 1.7% | 1.9% | 2.2% | 2.2% | 2.2% |
| Brčko-gas | 2.0% | 1.8% | 1.8% | 1.6% | 1.7% |
Lines and claims
Written premium by line with ratios after reinsurance for the year selected (gross, marked, where the insurer gives no net figures for a line); the market figure on the same basis sits under each ratio.
All figures
Claims and costs over time
Solvency
Capital cover over time
DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers
Capital at year end
What the capital requirement covers
Capital cover
Profitability
Net profit by year
All figures
Profit and equity by year
Ownership and events
Company details
- Website
- drina-osiguranje.com
- Employees
- 112 (2025; 120 in 2022, 115 in 2023, 116 in 2024)
- Premium per employee
- €122k (FY 2025; median for non-life insurers in Bosnia and Herzegovina: €118k; all insurers)
Website from the company's own reports or the supervisor's register, checked 20 Oct 2026. Employees: employees of the insurers licensed in Republika Srpska, from its insurance agency, and of those licensed in the Federation, from the issuer forms they file with the Sarajevo Stock Exchange (or the count at 31 December in their audited statements).
Questions about Drina
Short answers from the figures on this page.
What is Drina's market share in Bosnia and Herzegovina?
Drina wrote €13.6m of premium in FY 2025, 2.3% of all premium in Bosnia and Herzegovina, ranking #16 of 23 insurers; its premium fell 2.4% on FY 2024 in BAM.
Who owns Drina?
Polisa records no group for Drina in FY 2025.
What does Drina sell?
Drina is a non-life insurer; its largest lines in FY 2025 are motor TPL (71.4% of its premium), accident (15.8%) and casco (7.1%).
Is Drina well capitalised?
Drina's solvency margin was 129% at 31 December 2025: it covered its required solvency margin 1.3 times, against a median of 129% for the insurers in Bosnia and Herzegovina (local rules, not Solvency II).
Is Drina profitable?
Drina made a net profit of €3.22m in FY 2025, a return on equity of 41.4%; its non-life combined ratio was 77% after reinsurance.
Is Drina growing?
Drina's premium fell 2.4% in BAM in FY 2025 while the market in Bosnia and Herzegovina grew 8.0%.
Sources for this page
Premium and lines: the Insurance Agency of Bosnia and Herzegovina and the supervisors of the Federation and Republika Srpska. Claims and solvency margin: supervisors and the insurer's annual report. How these numbers are built.
Spotted a wrong figure? Tell us and include the source.
CiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse
Polisa compiles the figures; the original sources are named on this page and on the method page.
Polisa. (2026). Drina (Bosnia and Herzegovina): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/ba-drina
BibTeXShow entry
@misc{polisa_insurers_ba_drina_2026,
author = {{Polisa}},
title = {Drina (Bosnia and Herzegovina): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/ba-drina}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: AZOBiH, ANO FBiH, AZORS (all rights reserved, no re-use terms), BHAS (CC0), SASE (no terms published, all rights reserved), Banja Luka Stock Exchange (no terms published, all rights reserved).