Businessweek

Baloise-Holding is organized as a holding company under Swiss law. The Baloise Group is a solutions provider in the field of insurance, provision for the future, and asset formation. The Baloise Group operates solely in Europe. It comprises 13 insurance companies, which provide almost all types of life and non-life insurance. The holding company is Bâloise-Holding, a Swiss stock corporation (Aktiengesellschaft) which has its registered office in Basel, Switzerland. Its subsidiaries operate in Switzerland, Germany, Belgium, Austria, Luxembourg and Croatia. The banking business is carried out by subsidiaries in Switzerland, Germany, Belgium, and Luxembourg (investment fund company). The Baloise offers its customers a broad range of products and services through their preferred sales channels. The Group’s strategic focus is on sustainable, profit-oriented growth in its core markets of Switzerland, Germany, Belgium, Austria and Luxembourg. As a focused financial services provider, the Baloise is the trusted partner of choice for customers and points-of-sale in its target markets. It offers solutions and advice in matters of insurance, pensions and asset formation from a single source. The Baloise is focused on attractive customer segments, business lines and distribution channels with high value-creating potential in selected European markets. The Baloise Group focuses on private individuals and small and medium sized enterprises (SMEs). Business Segments The strategic geographical segments of the Baloise Group include Switzerland (including the Principality of Liechtenstein), Germany, the Benelux countries and Other countries. The business segments are non-life insurance, life insurance, banking (including asset management and investment funds) and other activities. Non-life insurance includes accident insurance, health insurance and products for liability, automobile, property and transport lines of business. The products are geared to the requirements of the company’s clients – mainly private clients – and the core competencies of the companies in the Baloise Group. On the life insurance side, a broad range of pure risk coverage, asset-forming insurance and unit-linked products is provided for private individuals and companies. The banking segment comprises Baloise Bank SoBa, an all-purpose bank operating in Switzerland, Mercator Bank in Belgium, which is involved in all types of savings business, principally financing real estate and small and medium-sized enterprises, and Deutscher Ring Bausparkasse in Germany, predominantly active in traditional real estate financing.