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Sarajevo osiguranje

Bosnia and Herzegovinasarajevoosiguranje.ba ↗#6 of 23 in Bosnia and Herzegovina, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
AZOBiH and the entity supervisors; solvency margin, not Solvency II
Latest figures
FY 2025, Jan–Sep 2026
Next update
FY 2026, around May 2027

Sources for Bosnia and HerzegovinaWhat changed

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Premium
€41m
6.8% of Bosnia and Herzegovina
Growth
+5.6%
FY 2025 vs 2024, in BAM · market +8.0%
Life share
6%
of own premium
Capital cover
—
Not published by the company
Claims and costs
101%
combined ratio after reinsurance · market 95%
In shortNumber 6 of 23 in Bosnia and Herzegovina with 6.8% of premium, growing slower than the market. Strongest in Motor TPL, with 7.5% of the line. Its non-life business lost money on underwriting, with a combined ratio of 101% after reinsurance against 95% for the market. It paid €18m in claims, €45 for every €100 of its premium.

In the news27 Apr 2026: Two investment funds sell over 8.8% of Sarajevo osiguranje at a bourse auction All news for Bosnia and Herzegovina

Latest resultsJan–Sep 2026, year to date: €32m of premium, −0.6% on Jan–Sep 2025 (market +4.8%); share 6.8% (−0.4 pp), #6 of 23. More

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Sarajevo osiguranje's line mix, and where it stands among the 23 insurers in Bosnia and Herzegovina on each measure, FY 2025.

Line mix
Motor TPL75%
Casco17%
Life8%
Size#6 of 23 by premium
€41m
larger than 77%median €19m
GrowthFY 2025 against 2024, in BAM
+5.6%
ahead of 36%median +8.0%
Claims and costsnon-life combined ratio, after reinsurance
101%
better than 16%median 97%
Capital cover
— not published
Return on equitynet profit ÷ average equity
5.0%
ahead of 18%median 9.6%

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.

Premium and market share

Market share against the nearest rivals

By year

Insurer20212022202320242025
Adriatic9.1%9.1%9.7%10.0%10.5%
Euroherc7.9%7.8%7.9%8.2%8.5%
Sarajevo osiguranje7.7%7.6%6.9%7.0%6.8%
Wiener3.9%4.3%4.1%4.3%4.6%
Premium1.5%1.9%2.1%2.7%3.1%

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

Solvency

DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers

Capital at year end

Capital cover

    Company details

    Website
    sarajevoosiguranje.ba
    Employees
    357 (2025; 413 in 2022, 411 in 2023, 376 in 2024)
    Premium per employee
    €115k (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.

    Questions about Sarajevo osiguranje

    Short answers from the figures on this page.

    What is Sarajevo osiguranje's market share in Bosnia and Herzegovina?

    Sarajevo osiguranje wrote €40.9m of premium in FY 2025, 6.8% of all premium in Bosnia and Herzegovina, ranking #6 of 23 insurers; its premium grew 5.6% on FY 2024 in BAM.

    Who owns Sarajevo osiguranje?

    Polisa records no group for Sarajevo osiguranje in FY 2025.

    What does Sarajevo osiguranje sell?

    Sarajevo osiguranje is a non-life insurer; its largest lines in FY 2025 are motor TPL (54.2% of its premium), casco (12.4%) and life insurance (5.7%).

    Is Sarajevo osiguranje profitable?

    Sarajevo osiguranje made a net profit of €1m in FY 2025, a return on equity of 5.0%; its non-life combined ratio was 101% after reinsurance.

    Is Sarajevo osiguranje growing?

    Sarajevo osiguranje's premium grew 5.6% 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.

    APA

    Polisa. (2026). Sarajevo osiguranje (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-sarajevo-osiguranje

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_ba_sarajevo_osiguranje_2026,
  author       = {{Polisa}},
  title        = {Sarajevo osiguranje (Bosnia and Herzegovina): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/ba-sarajevo-osiguranje}},
  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).