AMS Osiguranje
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest resultsH1 2026, year to date: €36m of premium, +7.3% on H1 2025 (market +6.9%); share 4.1% (±0.0 pp), #7 of 16. More
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AMS Osiguranje's line mix, and where it stands among the 16 insurers in Serbia on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Serbia 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 |
|---|---|---|---|---|---|
| Triglav Osiguranje | 6.8% | 7.0% | 7.3% | 7.6% | 7.6% |
| Globos osiguranje | 3.5% | 3.9% | 4.7% | 5.0% | 5.2% |
| AMS Osiguranje | 3.9% | 4.1% | 4.1% | 4.2% | 4.5% |
| Sava Neživotno osiguranje | 2.3% | 2.6% | 3.0% | 3.4% | 3.7% |
| Milenijum osiguranje | 3.0% | 3.2% | 3.3% | 3.4% | 3.4% |
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
- ams.co.rs
- Employees
- 353 (2025; 322 in 2022, 346 in 2023, 340 in 2024)
- Premium per employee
- €208k (FY 2025; median for non-life insurers in Serbia: €146k; all insurers)
Website from the company's own reports or the supervisor's register, checked 20 Oct 2026. Employees: employees at 31 December from each insurer's notes to the financial statements filed with the Business Registers Agency (APR), 2021–2025; UNIQA's two companies print only the average number in the year.
Questions about AMS Osiguranje
Short answers from the figures on this page.
What is AMS Osiguranje's market share in Serbia?
AMS Osiguranje wrote €73.3m of premium in FY 2025, 4.5% of all premium in Serbia, ranking #7 of 16 insurers; its premium grew 14.2% on FY 2024 in RSD.
Who owns AMS Osiguranje?
Polisa records no group for AMS Osiguranje in FY 2025.
What does AMS Osiguranje sell?
AMS Osiguranje is a non-life insurer; its largest lines in FY 2025 are motor TPL (59.7% of its premium), casco (17.3%) and property (15.5%).
Is AMS Osiguranje well capitalised?
AMS Osiguranje's solvency margin was 146% at 31 December 2025: it covered its required solvency margin 1.5 times, against a median of 195% for the insurers in Serbia (local rules, not Solvency II).
Is AMS Osiguranje profitable?
AMS Osiguranje made a net profit of €2.72m in FY 2025, a return on equity of 8.4%; its non-life combined ratio was 95% after reinsurance.
Is AMS Osiguranje growing?
AMS Osiguranje's premium grew 14.2% in RSD in FY 2025, faster than the market in Serbia (+8.0%).
Sources for this page
Premium and claims: National Bank of Serbia, quarterly tables T1, T3 and T10–T12 and the insurers' financial statements. The tables are linked under Sources by market; their figures are not changed, and Polisa's calculations are its own. Solvency margin: the insurer's annual report, where published. How these numbers are built.
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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). AMS Osiguranje (Serbia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/rs-ams-osiguranje
BibTeXShow entry
@misc{polisa_insurers_rs_ams_osiguranje_2026,
author = {{Polisa}},
title = {AMS Osiguranje (Serbia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/rs-ams-osiguranje}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: NBS (written consent for non-commercial use (5 Nov 2026)), APR (personal non-commercial use only).