Analýza pojistného portfólia a klientů firmy pomocí statistických metod

This bachelor's thesis provides a comprehensive statistical analysis of the behavior and performance of insurance products, based on the interpretative assessment of various statistical models. The average annual premium in 2022 was CZK 36 837,50, the variability of the market is reflected by the high dispersion of CZK 354 billion and standard deviation CZK 595 570,31. Significant skewness of 93.15 and kurtosis of 12 401,17 point to an unusually distorted distribution of insurance values, where the minimum premium was CZK 51.00 and the maximum reached the value of CZK 98,577,359.00. Exponential trend identified in time series with a coefficient of determination of 0.9245 indicates a significant year-on-year growth, further, the correlation analysis between the damage estimate and the amount of compensation revealed a high correlation with a coefficient of 0.9868, which indicates a strong degree of linear dependence. These statistical outputs not only increase the understanding of market dynamics, but also enable the company to optimize products and services, improve risk management and develop more effective strategies for growth and sustainability in the sector.