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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 taxx 100%
+total equity
±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 investmentsx 100%
+total balance sheet
-technical provisions relating to unit-linked insurance
±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 taxx 100%
+balance sheet total
±valuation differences on investments
Group solvency
+total equity
+sectoral items
-intangible assets and sectoral deductibles
own funds, total
-minimum requirements for own funds, total
group solvency
Group solvency ratio, %
own fundsx 100%
minimum requirements for own funds
Average number of staff
Average of month-end figures, adjusted for part-time staff