Group Key Figures

Profit before taxes
Property & casualty insurance profit before taxes + life insurance profit before taxes
+ holding business profit before taxes ± Group elimination items with result impact
Property & Casualty and Life Insurance
+ insurance premiums written
+ net income from investments
+ other operating income
- claims incurred
- change in liabilities for investment and insurance contracts
- staff costs
- other operating expenses
- finance costs
+/- share of associates’ profit/loss
Holding
+ net income from investments
+ other operating income
- staff costs
- other operating expenses
- finance costs
+/- share of associates’ profit/loss
Return on equity (at fair values), %
+ total comprehensive income
± change in valuation differences on investments less deferred tax x 100%
+ total equity (average of values on 1 Jan. and 31 Dec.)
± valuation differences on investments less deferred tax
(average of values on 1 Jan. and 31 Dec.)
Return on assets (at fair values), %
+ operating profit
± other comprehensive income before taxes
+ interest and other financial expense
+ calculated interest on technical provisions
± change in valuation differences on investments x 100%
+ total balance sheet (average of values on 1 Jan. and 31 Dec.)
- technical provisions relating to unit-linked insurance
(average of values on 1 Jan. and 31 Dec.)
± valuation differences on investments
(average of values on 1 Jan. and 31 Dec.)
Equity/assets ratio (at fair values), %
+ total equity
± valuation differences on investments less deferred tax x 100%
+ balance sheet total
± valuation differences on investments
Group solvency
+ Group equity
+ sectoral items
- intangibles and foreseeable dividends and distributions
Group's own funds
- minimum requirements for own funds, total
Group solvency ratio, %
Group's own funds x 100%
minimum requirements for own funds
Average number of staff
Average of month-end figures, adjusted for part-time staff