GRAWE Carat Asigurări
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →In the news1 Sep 2026: H1 2026: premiums up 11.6% to MDL 1.78bn; Asterra leads with 18.3% All news for Moldova
Latest resultsH1 2026, year to date: €14m of premium, +4.4% on H1 2025 (market +11.6%); share 15.5% (−1.1 pp), #2 of 9. More
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GRAWE Carat Asigurări's line mix, and where it stands among the 9 insurers in Moldova on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Moldova 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 |
|---|---|---|---|---|---|
| GRAWE Carat Asigurări | 15.9% | 14.8% | 14.7% | 14.5% | 18.0% |
| Asterra Grup | 17.4% | 15.0% | 17.2% | 18.3% | 14.6% |
| Moldasig | 13.2% | 16.0% | 15.2% | 14.4% | 12.6% |
| Donaris VIG | 11.9% | 12.9% | 12.3% | 12.5% | 12.4% |
| General Asigurări | 14.6% | 13.6% | 14.2% | 14.1% | 12.2% |
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 Hungary · €30mBulgaria · €23mMontenegro · €19m
Ownership and events
Company details
- Legal name
- Î.M. "GRAWE CARAT Asigurări" S.A.
- Registered seat
- Chișinău, Moldova
- Website
- grawe.md
- Employees
- 192 (2025; 182 in 2022, 187 in 2023, 189 in 2024)
- Premium per employee
- €161k (FY 2025; 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 as each insurer gives them in its audited financial statements or management report, mostly the count at 31 December (Moldasig: the year's average; Donaris: the number during the year, its insurance agents included); the National Bank publishes none per insurer.
Questions about GRAWE Carat Asigurări
Short answers from the figures on this page.
What is GRAWE Carat Asigurări's market share in Moldova?
GRAWE Carat Asigurări wrote €30.8m of premium in FY 2025, 18.0% of all premium in Moldova, ranking #1 of 9 insurers; its premium grew 28.3% on FY 2024 in MDL.
Who owns GRAWE Carat Asigurări?
GRAWE Carat Asigurări is part of the GRAWE group, which has 14 companies in 10 of the 18 markets on Polisa (FY 2025).
What does GRAWE Carat Asigurări sell?
GRAWE Carat Asigurări is a composite insurer; all its premium in FY 2025 is life insurance.
Is GRAWE Carat Asigurări well capitalised?
GRAWE Carat Asigurări's solvency margin was 150% at 31 December 2025: it covered its required solvency margin 1.5 times, against a median of 153% for the insurers in Moldova (local rules, not Solvency II).
Is GRAWE Carat Asigurări profitable?
GRAWE Carat Asigurări made a net profit of €1.09m in FY 2025, a return on equity of 4.5%; its non-life combined ratio was 102% after reinsurance.
Is GRAWE Carat Asigurări growing?
GRAWE Carat Asigurări's premium grew 28.3% in MDL in FY 2025, faster than the market in Moldova (+3.1%).
Sources for this page
Premium, claims paid, solvency margin and profit: National Bank of Moldova, insurer statistics (Indicatori de bază), and the CNPF archive for 2021–2022. Market lines: report on insurers' core business. 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 Carat Asigurări (Moldova): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/md-grawe-carat-asigurari
BibTeXShow entry
@misc{polisa_insurers_md_grawe_carat_asigurari_2026,
author = {{Polisa}},
title = {GRAWE Carat Asigurări (Moldova): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/md-grawe-carat-asigurari}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: BNM (free with credit, processing stated), Capital market disclosures (no re-use terms published), National Bureau of Statistics of Moldova (CC BY 4.0), World Bank (CC BY 4.0).