Despite the unfavourable development on financial markets, Komerční pojišťovna will provide a very attractive growth in value to its clients for 2008. Depending on the type of their insurance product, clients' funds have grown by 2.4% to 3.5%.

Thanks to its successful investment strategy and strong backing provided by the Komerční banka Group, Komerční pojišťovna has some of the best results among insurance companies in the Czech market.

"For the sixth year now, we have been achieving very stable financial results, proving to our clients that life assurance continues to be a very suitable combination of provisions for the family and appreciation of uncommitted funds," says Lukáš Fridrich, head of product marketing at Komerční pojišťovna.

The Vital Invest policy was one of the most popular insurance products in 2008. It makes pure investment possible for clients when they only wish to increase the value of their deposit. Another option is to combine investment and life assurance at any ratio, which can be changed at any time.

"For the investment component of the policy, clients can select an investment strategy that best meets their needs and expectations. For example, we provided clients with a growth of 3.4% of their funds for 2008 when they invested in the guaranteed growth fund," adds Lukáš Fridrich. As in 2008, the Guaranteed Growth Fund in Vital Invest guarantees a growth of at least 3% for 2009 too.

Komerční banka is one of the best run universal banks in Central Europe. It provides comprehensive services to clients in the areas of retail, corporate, and investment banking. The Komerční banka Group's 8,930 employees serve 1,632,000 clients, who can use an extensive network of 397 points of sale throughout the country. Komerční banka currently operates 679 ATMs and more than 958,000 of its clients use one of direct banking channels.

Komerční banka is part of the Société Générale Group, one of the largest banking groups in the euro zone (in terms of market capitalisation), whose 163,000 employees serve more than 30 million individual clients worldwide.

Komerční pojišťovna is the Société Générale Group's insurance company operating in the Czech Republic. It offers a broad range of products, primarily in life assurance, and distributes them through Komerční banka's and its subsidiaries' networks.

Komerční pojišťovna is owned by Komerční banka and Sogecap (a subsidiary in the Société Générale Group). Sogecap is the sixth largest life assurance company in France and the fourth largest bank insurance company. Its portfolio includes 6.8 million policies and it holds assets under management worth more than €60 billion. In 2008 the Sogecap group achieved a turnover of €7.8 billion.