/ Vi phat triin thuong hieu;
e, Vi cdc nghiep vu bdo hiim;
Chia theo 9 nhdm nghiep vu Idn, so sanh doanh thu nam 2006 vdi nam 2000. t^t ca cac nhom deu cd tdc dp tang trudng kha va cao, deu tren 15%.Trong dd nhdm tang trudng cao nhdt la bao hilm d k khi (54%), bao hilm ky thuat (36.45%). hang hoa 19.78 (%), bao hiem xe co gidi (31%) tang gap 4 Ian tu 407 ty nam 2000 len 1711 ty nam 2006.
Nam 2006, ty trgng bao hiem xe co gidi Idn nhat chiem 26,9%. tiep den la bao hiem con ngudi 15,0%, bao hiem ky thuat 14%, bao hiem hda hoan, tau thuy khoang 9,5%. Bao hiem xe co gidi bat dau tang trudng dot bien tu nam 2003 la 66%, 31% nam 2004 do qui dinh bao hiem bat budc TNDS chu xe md td, d td ddi vdi ngudi thu 3. Bao hiem dau khi va hang khdng tang trudng manh vao 2 nam 2001 va 2002, cac nam sau chi tang trudng thap. Rieng nam 2006, bao hiem dau khi lai tang trudng cao 76,48%. Bao hiem ky thuat ciang tang trudng manh (60%) - 40%) vao cac nam 2001 den 2003, tdc dp giam xudng chi edn tmng binh hon 10%o vao nam 2004-2005. bao hiem hang hda va bao hiem tau thuy tang trudng deu hon nhung ciang cao nhat vao cac nam tu 2001-2003 va cd xu hudng giam vao cac nam 2004-2005. Bao hiem Con ngudi lai tang trudng cao nhat vao cac nam 2003, 2004
vu giam so vdi cac nam 2003, 2004, 2005
f, Viyiu td canh tranh vd hinh thuc canh tranh;
vl san pham va dich vu, cac cdng ty cd kha nang cung cap hau het cac san phAm va dich vu nhu nhau ddi vdi cac san pham bao hiem xe co gidi, baa hiem toan dien hpc sinh, kit hgp Con ngudi, bao hiem hang hda, P&I, bao hiem than tau thuy, CAR, EAR, bao hilm hoa hoan. Sir khac biet chi cd d mot sd san pham bao hiem y te muc cao, bao hiem chu dong tau, bao hiem trach nhiem nghe nghiep do Bao Viet cung cap nhung cac nghiep vu khong chiem ty trpng doanh thu Idn. Mat khac cac san pham mot khi da dugc cung cap ra thj trudng ciing de dang dugc bat chudc, sua ddi va cd dugc nha tai bao hiem tren thj trudng the gidi nen cac san pham mdi ciang khdng the chiem uu the dugc lau.
Bao Viet la doanh nghiep thudng di dau trong cac san pham mdi (vi du bao hiem trach nhiem chu xudng ddng tau, BH toan dien DN vua va nhd..), va cung cap cac dich vu mien phi kem theo cac san pham bao hiem nhu cuu hd giao thdng, cuu trg bao hiem du lich qudc te cua ISOS. Tuy nhien chat lugng mot sd dich vu chua thuc su tao ra su khac biet va cdng tac tuyen truyen cQng chua dat yeu cau nen anh hudng tuyen truyen ddi vdi khach hang chua cao ddng thdi cung chua cd hieu qua rd ret ddi vdi doanh thu.
Do san pham dich vu khdng cd su khac biet nhieu hoac khach hang cung chua dugc thdng tin day du de thay dugc su khac biet nen canh tranh tren thi trudng chu yeu dua vao yeu td gia ca va hoa hdng, dac biet tu nam 2005.
Doi vdi cac san pham bao hiem xe co gidi, nhieu cdng ty bao hiem tung ra cac chuang trinh khuyen mai, quang cao ram rd tdi ngudi tieu diing ddng thdi thu hut dai ly bang chiet khau cao nhu Bao Minh, Pjico, Bao Long, Vien Ddng da cd tac dung ddi vdi doanh thu khien cho mot so cdng ty dia phuang cua Bao Viet phai thuc hien cac chuong trinh khuyen mai va nang muc hoa hdng de giir khach hang va dai ly. Trong khi bao hiem xe co gidi
toan thi trudng nam 2006 tang trudng 6,2% thi Bao Viet chiem 38% giam 2,1 %.
D6i vdi cac cdng trinh du an Idn, hoa hdng ciang la yeu td quan trpng, nhieu khi la then chit trong dam phan. Kha nang bao hiem va thu xep tai bao hiem cho cac du an Idn ciia cac cong ty deu tang len nhieu, do dd viec canh tranh giira cac cdng ty va vdi anh ca Bao Viet ngay cang can bang hon ve mat ky thuat va uu the lai thuoc ve edng ty nao cd kha nang chi tra hoa hdng cao hon.