Pokojninska družba A

What Pokojninska družba A does

Pokojninska družba A, d.d. is a Slovenia-based supplementary pension insurance provider established in 2001 and headquartered in Ljubljana. The company offers tax-advantaged voluntary retirement savings products to individuals and corporate clients under Slovenia's supplementary pension framework, managing EUR 569 million in assets across approximately 69,388 policyholders. Its customer base spans individual savers and major Slovenian employers including Petrol, Lek (Sandoz), Mercator, Hofer, IKEA, OTP Banka, Talum, SIJ, Adria Mobil, and GKN Driveline, with ownership dispersed across 27 shareholders led by Petrol (15.24%) and Lek (12.17%).

The company operates a dual-channel distribution model combining product-led digital self-service for individual customers (website, ePokojnina mobile application, and portal.pd-a.si policyholder portal) with direct enterprise field sales for collective corporate pension plans. Its product suite comprises Individual Supplemental Pension Insurance (PNA-02ŽC) and Collective Supplemental Pension Insurance (PNA-01ŽC), backed by three life-cycle investment funds (PDA Delniški/Equity with 90% equity exposure, PDA Uravnoteženi/Balanced with 50/50 allocation, and PDA Zajamčeni/Guaranteed with capital protection) that automatically rebalance member allocations by age. A dedicated annuity fund (Kritni sklad rente) handles pension payouts, with options for lifetime annuities or lump-sum withdrawal.

Revenue is generated through three streams: recurring premium contributions (EUR 43.2 million in gross premiums in 2025), annual management fees on assets under management (0.55% for the Guaranteed fund, 0.9% for Balanced and Equity funds), and tiered entry/exit fees on lump-sum contributions above the tax relief threshold. The company reported EUR 3.3 million in net profit and 11.88% return on equity in 2025, delivered by a lean team of 9 employees. The firm holds ISO 9001:2015 certification maintained continuously since 2002 and operates under Slovenia's ZPIZ-2O regulatory framework, which mandates collective pension plan negotiations for employers with 10+ employees effective January 1, 2026.

Name

Pokojninska družba A

Legal name

Pokojninska družba A, d.d.

Website

https://pokojnina.si

Company type

Public

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Pokojninska družba A is a Slovenian supplementary pension insurance provider offering tax-advantaged individual and collective retirement savings products. It manages EUR 569 million across three life-cycle investment funds for over 69,000 policyholders and serves both individual savers and major Slovenian corporate clients.

Ownership category

akta.pro rank

Product category

Supplementary Pension Insurance

NAICS

Insurance and Employee Benefit Funds (5251), Pension Funds (525110), Other Insurance Funds (525190)

SIC

Life Insurance (6311), Finance Services (6199)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

akta.pro secondary industry

Corporate & Public Pension Funds (DB/DC Sponsors) (FSAAAGAA)

Keywords

• Supplementary pension insurance
• Voluntary pension savings
• Collective pension plans
• Life-cycle investment funds
• Pension annuity payouts

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Premium Contributions: Members pay regular premiums into pension funds. In 2025, gross premiums totaled EUR 43,218,551. Premiums can be paid monthly, annually, or as lump sums.
2. Management Fees: Annual management fees on pension fund assets: 0.55% for Guaranteed fund, 0.9% for Balanced and Equity funds. Total cost of operations (TER) for 2025: 0.85% for Guaranteed, 1.07% for Balanced and Equity funds.
3. Entry/Exit Fees: Entry fees for contributions above tax relief: 1.5% for regular payments via standing order, 3% for lump sums up to EUR 2,999, 1.5% for EUR 3,000-9,999, 0.75% for EUR 10,000-99,999, 0.3% for amounts over EUR 100,000. Exit fee of 1%.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Pokojninska družba A is a Slovenian supplementary pension insurance provider offering individual voluntary pension savings (PNA-02ŽC) and employer-sponsored collective pension plans (PNA-01ŽC), along with three life-cycle investment funds (Guaranteed, Balanced, Equity) and an annuity payout fund. The company collects recurring premium contributions, manages the underlying assets, and pays out retirement benefits as annuities or lump sums.

Product overview

Pokojninska družba A operates as a supplementary pension insurance provider in Slovenia offering a comprehensive pension savings ecosystem. The core offering consists of two main insurance products: Individual Supplemental Pension Insurance (PNA-02ŽC) for self-enrolled savers and Collective Supplemental Pension Insurance (PNA-01ŽC) for employer-sponsored plans. Within this framework, the company manages four life-cycle investment funds (PDA - Delniški, PDA - Uravnoteženi, PDA - Zajamčeni) and a dedicated annuity fund (Kritni sklad rente) for pension payouts. Customers can access their accounts through a web portal (portal.pd-a.si) and mobile application (ePokojnina), and utilize online calculation tools. Upon retirement, savers can receive their benefits as variable lifetime annuities with various guaranteed periods, or as lump-sum withdrawals under specified conditions. The company also offers larger one-time contribution options (PDA Plus) for amounts exceeding tax relief limits.

Differentiator

Problem solved

Functional benefit

Brands

• PDA - Zajamčeni: Guaranteed pension fund suitable for savers of all ages seeking conservative investment policy without major fluctuations and with moderate long-term growth. Provides principal and guaranteed return protection.
• PDA - Uravnoteženi
• PDA - Delniški
• ePokojnina

Quantifiable outcome

• Tax refund of 16-50% on contributions depending on income tax bracket
• +3 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Ernst & Young d.o.o.coreOthersExternal audit firm providing annual audit services for the company's financial statements and pension fund operations.

Scale indicators12 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pokojninska-dru-ba-a

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pokojninska družba A