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 expenses | |
| + | 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 | ||