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* On 18 December 2015, in the Commercial Register to National Registry Agency, there has been filed a notification that ZAD "Victoria" merges into Generali Insurance AD. As a result of the above, balance sheet positions as at 31/12/2015 include merging assets and liabilities of ZAD "Victoria" as at the date of merger, whereas for 2014YE they include only the individual balances of Generali Insurance AD. For the purpose of comparison to market, data about profit-and-loss accounts include premium income of ZAD "Victoria" for 2015 until the merger date.