Kooperativa
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
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest resultsH1 2026, year to date: €434m of premium, +7.2% on H1 2025 (market +5.2%); share 25.5% (+0.5 pp), #1 of 13. More
Fingerprint
Kooperativa's line mix, and where it stands among the 13 insurers in Slovakia on each measure, FY 2025.
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.
Latest quarter
Premium and market share
Market share against the nearest rivals
By year
| Insurer | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Kooperativa | 25.0% | 24.6% | 24.7% | 24.7% | 24.9% |
| Allianz – Slovenská poisťovňa | 26.3% | 25.6% | 24.5% | 24.0% | 24.3% |
| Generali Poisťovňa (branch) | 12.1% | 12.8% | 13.0% | 13.7% | 13.8% |
| UNIQA (branch) | 10.6% | 10.4% | 10.7% | 11.0% | 10.8% |
| NN Životná poisťovňa | 5.5% | 5.4% | 5.2% | 5.0% | 4.7% |
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
Claims and costs over time
Savings and protection in life
Life premium by kind
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
Kooperativa beside the other insurers of Slovakia: operating ratio, sources of profit and leverage →
Also in the VIG group
36 companies in 18 markets · €9.28bn premium, latest year
Also in Bulgaria · €364mLatvia · €254mSerbia · €169mCroatia · €167mEstonia · €110mAlbania · €55mSlovenia · €54mBosnia and Herzegovina · €52mNorth Macedonia · €47mMoldova · €21mKosovo* · €15mMontenegro · €14m
Ownership and events
Company details
- Legal name
- KOOPERATIVA poisťovňa, a.s. Vienna Insurance Group
- Registered seat
- Bratislava, Slovakia
- Website
- kooperativa.sk
- Employees
- 1,262 (2025; 1,245 in 2022, 1,259 in 2023, 1,284 in 2024)
- Premium per employee
- €630k (FY 2025; median for composite insurers in Slovakia: €817k; 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: average number of employees in full-time equivalents over the year, from the notes to insurers' financial statements in the Register of Financial Statements (registeruz.sk) and their 2025 annual reports; ČSOB gives only its headcount at 31 December, and branches of foreign insurers publish no Slovak staff.
Questions about Kooperativa
Short answers from the figures on this page.
What is Kooperativa's market share in Slovakia?
Kooperativa wrote €795m of premium in FY 2025, 24.9% of all premium in Slovakia, ranking #1 of 13 insurers; its premium grew 8.2% on FY 2024.
Who owns Kooperativa?
Kooperativa is part of the VIG group, which has 36 companies in all 18 markets on Polisa (FY 2025).
What does Kooperativa sell?
Kooperativa is a composite insurer; its largest lines in FY 2025 are life insurance (41.9% of its premium), motor TPL (20.2%) and casco (17.3%).
Is Kooperativa well capitalised?
Kooperativa'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 Kooperativa profitable?
Kooperativa made a net profit of €65.1m in FY 2025, a return on equity of 15.2%; its non-life combined ratio was 95% after reinsurance.
Is Kooperativa growing?
Kooperativa's premium grew 8.2% in FY 2025, faster 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.
Polisa. (2026). Kooperativa (Slovakia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/sk-kooperativa
BibTeXShow entry
@misc{polisa_insurers_sk_kooperativa_2026,
author = {{Polisa}},
title = {Kooperativa (Slovakia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/sk-kooperativa}},
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).