GRAWE
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: €24m of premium, +1.8% on Jan–Sep 2025 (market +4.8%); share 5.0% (−0.1 pp), #7 of 23. More
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GRAWE'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 |
|---|---|---|---|---|---|
| UNIQA | 8.7% | 8.4% | 8.1% | 7.7% | 7.8% |
| Triglav | 7.4% | 7.9% | 7.6% | 7.4% | 7.4% |
| GRAWE | 6.9% | 6.6% | 6.0% | 5.6% | 5.3% |
| Croatia osiguranje | 4.8% | 4.5% | 4.5% | 4.8% | 4.8% |
| GRAWE Banja Luka | 4.4% | 4.1% | 4.0% | 3.8% | 3.6% |
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
Also in the GRAWE group
14 companies in 10 markets · €686m premium, latest year
Also in Moldova · €31mHungary · €30mBulgaria · €23mMontenegro · €19m
Ownership and events
Company details
- Legal name
- "GRAWE OSIGURANJE" d.d. Sarajevo
- Registered seat
- Sarajevo, Bosnia and Herzegovina
- Website
- grawe.ba
- Employees
- 286 (2025; 331 in 2022, 313 in 2023, 303 in 2024)
- Premium per employee
- €111k (FY 2025; median for composite insurers in Bosnia and Herzegovina: €148k; all insurers)
Legal name, seat and LEI from the Global LEI Index (GLEIF); 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 GRAWE
Short answers from the figures on this page.
What is GRAWE's market share in Bosnia and Herzegovina?
GRAWE wrote €31.7m of premium in FY 2025, 5.3% of all premium in Bosnia and Herzegovina, ranking #7 of 23 insurers; its premium grew 1.7% on FY 2024 in BAM.
Who owns GRAWE?
GRAWE is part of the GRAWE group, which has 14 companies in 10 of the 18 markets on Polisa (FY 2025).
What does GRAWE sell?
GRAWE is a composite insurer; its largest lines in FY 2025 are life insurance (55.8% of its premium), motor TPL (31.5%) and casco (5.9%).
Is GRAWE profitable?
GRAWE made a net profit of €1.97m in FY 2025, a return on equity of 9.2%; its non-life combined ratio was 93% after reinsurance.
Is GRAWE growing?
GRAWE's premium grew 1.7% in BAM in FY 2025, slower than the market in Bosnia and Herzegovina (+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). GRAWE (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-grawe
BibTeXShow entry
@misc{polisa_insurers_ba_grawe_2026,
author = {{Polisa}},
title = {GRAWE (Bosnia and Herzegovina): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/ba-grawe}},
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).