risk management

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Serbia Insurance Sector Expands in 2025 as Market Remains Structurally Underpenetrated

Serbia’s insurance industry entered 2026 with strengthened financial indicators, supported by rising premiums, higher capital levels, asset expansion, and continued profitability. According to the National Bank of Serbia, the sector recorded broad-based growth in 2025, while remaining heavily concentrated and significantly below European benchmarks in insurance depth and household penetration. Total insurance premium reached RSD 191.5bn (≈€1.6bn) in 2025, an increase of 8.0% year on year. Sector assets rose 7.1% to RSD 446.8bn, while capital increased at a faster pace…

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