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ČSOB Poisťovňa

KBC groupSlovakiacsob.sk ↗#6 of 13 in Slovakia, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
SLASPO member statistics and Solvency II templates
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around November 2026

Sources for SlovakiaWhat changed

Compare with nearest rivals →Compare →
Share
Premium
€146m
4.6% of Slovakia
Growth
+6.5%
FY 2025 vs 2024, in EUR · market +7.4%
Life share
34%
of own premium
Capital cover
187%
SCR ratio · €66m held vs €35m required
Claims and costs
93%
combined ratio after reinsurance · gross 86% · market 89%
In shortNumber 6 of 13 in Slovakia with 4.6% of premium, growing slower than the market. Strongest in Property, with 7.6% of the line. Its non-life business made money on underwriting, with a combined ratio of 93% after reinsurance against 89% for the market. It holds 1.9 times the capital it must hold.

Latest resultsH1 2026, year to date: €69m of premium, −16.4% on H1 2025 (market +5.2%); share 4.1% (−1.1 pp), #6 of 13. More

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ČSOB Poisťovňa's line mix, and where it stands among the 13 insurers in Slovakia on each measure, FY 2025.

Line mix
Life34%
Property24%
Motor TPL17%
Casco14%
Accident4%
Liability4%
Other non-life3%
Size#6 of 13 by premium
€146m
larger than 58%median €124m
GrowthFY 2025 against 2024, in EUR
+6.5%
ahead of 42%median +8.1%
Claims and costsnon-life combined ratio, after reinsurance
93%
better than 55%median 94%
Capital coverSCR ratio: own funds ÷ SCR
187%
ahead of 86%median 166%
Return on equitynet profit ÷ average equity
16.8%
ahead of 86%median 13.9%

Each bar runs from the weakest to the strongest of the insurers in Slovakia 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
UNIQA (branch)10.6%10.4%10.7%11.0%10.8%
NN Životná poisťovňa5.5%5.4%5.2%5.0%4.7%
ČSOB Poisťovňa3.9%4.0%4.2%4.6%4.6%
MetLife Europe (branch)4.6%4.4%4.2%4.0%3.9%
Union poisťovňa3.0%4.4%4.3%3.8%3.7%

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

Savings and protection in life

Life premium by kind

Solvency

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

Capital at year end

Capital cover

    Also in the KBC group

    5 companies in 4 markets · €1.62bn premium, latest year

    All 5 on the KBC page →
    Czechia1 company€820m
    ČSOB Pojišťovna€820m
    Bulgaria2 companies€367m
    DZI€236mDZI Life€131m
    Hungary1 company€290m
    K&H€290m

    Company details

    Legal name
    ČSOB Poisťovňa, a.s.
    Registered seat
    Bratislava, Slovakia
    Website
    csob.sk
    LEI
    097900BFE40000025246

    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.

    Questions about ČSOB Poisťovňa

    Short answers from the figures on this page.

    What is ČSOB Poisťovňa's market share in Slovakia?

    ČSOB Poisťovňa wrote €146m of premium in FY 2025, 4.6% of all premium in Slovakia, ranking #6 of 13 insurers; its premium grew 6.5% on FY 2024.

    Who owns ČSOB Poisťovňa?

    ČSOB Poisťovňa is part of the KBC group, which has 5 companies in 4 of the 18 markets on Polisa (FY 2025).

    What does ČSOB Poisťovňa sell?

    ČSOB Poisťovňa is a composite insurer; its largest lines in FY 2025 are life insurance (33.9% of its premium), property (23.8%) and motor TPL (16.7%).

    Is ČSOB Poisťovňa well capitalised?

    ČSOB Poisťovňa's SCR ratio was 187% at 31 December 2025: it held 1.9 times the capital Solvency II requires, against a median of 166% for the insurers in Slovakia.

    Is ČSOB Poisťovňa profitable?

    ČSOB Poisťovňa made a net profit of €9.61m in FY 2025, a return on equity of 16.8%; its non-life combined ratio was 93% after reinsurance.

    Is ČSOB Poisťovňa growing?

    ČSOB Poisťovňa's premium grew 6.5% in FY 2025, slower than the market in Slovakia (+7.4%).

    Sources for this page

    Premium, lines, claims and expenses: SLASPO member statistics, template S.05.01. Solvency: the per-company Solvency II templates SLASPO publishes (S.23.01). 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). ČSOB Poisťovňa (Slovakia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/sk-csob-poistovna

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_sk_csob_poistovna_2026,
      author       = {{Polisa}},
      title        = {ČSOB Poisťovňa (Slovakia): premium, market share, lines, solvency and claims},
      year         = {2026},
      version      = {2026-11-11.13378f},
      howpublished = {\url{https://polisapro.com/insurers/sk-csob-poistovna}},
      note         = {Accessed 11 November 2026}
    }

    Reuse: Polisa's compilation CC BY 4.0 · source data: SLASPO (no re-use terms published), NBS (free with credit, files unaltered), Register of Financial Statements (CC0), insurers' SFCRs (public disclosures, linked).