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     2019 will be the year of transformation





     Groupama Turkey CEO Philippe-Henri Burlisson: “Succeeding all together” lies in the
     heart of our strategy. We believe that we will achieve success thanks to the coordinated
     work between our agents and all the departments in our company


     How was the year of 2018 for Groupama? Could you summa-  which can respond to the needs of the consumers. We will devel-
     rize 2018 for Groupama from the perspective of objectives  op in casco with innovative products. Moreover, we will continue
     and success?                                             to develop partnerships with automotive companies in the brand-
                                                              ed casco products that we launched in cooperation with Opel and
     2018 was a good year; we closed the year with positive results  Hyundai in the last two years, and with Peugeot as of February
     especially thanks to the growth in the last quarter. We achieved  2019.
     a higher premium production than what we expected. The low
     level of loss ratio in the attritional claims compensated for the
     increasing big claims.  The company profit was in line with our
     forecast.

     At the end of 2018, we made our new growth plans and finalized
     our roadmap aiming at providing the best service to our distribu-
     tion networks and customers. We shared this plan and roadmap
     at an interactive meeting with our employees where they were
     actively engaged.

     Could you tell us about Groupama’s objectives and strategies
     for  2019?  What  will  be  the  added  value  by  Groupama  for
     itself and the market this year?

     2019 will be a year of transition and transformation.

     “Succeeding all together” lies in the heart of our strategy. This
     principle is more important for us especially this year. We be-
     lieve that we will achieve success thanks to the coordinated work
     between our agents and all the departments in our company. We
     aim to grow faster than the market with our strategy based on
     new products, the efficiency of our qualified sales networks, ser-
     vice spirit for the customers and the agility and dedication of our
     employees.

     In casco, our more detailed segmentation for pricing has already
     given us good results. We are preparing products and services
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