Classified by segment

	Property and casualty		Health		Life		Consolidation		Group
	2008 € 000	2007 € 000	2008 € 000	2007 € 000	2008 € 000	2007 € 000	2008 € 000	2007 € 000	2008 € 000	2007 € 000
1. a) Gross premiums written	2,438,009	2,199,785	947,644	907,761	1,653,326	1,422,398	–36,615	–2,054	5,002,364	4,527,889
1. Premiums written (retained)	2,282,537	1,887,344	946,177	906,356	1,573,420	1,342,880	–30,724	2,861	4,771,410	4,139,440
2. Change due to premiums earned (retained)	–32,827	–32,238	315	–736	–3,254	–480	–5,272	391	–41,038	–33,063
3. Premiums earned (retained)	2,249,710	1,855,105	946,492	905,620	1,570,166	1,342,401	–35,996	3,252	4,730,372	4,106,377
4. Income from fees and provisions	15,563	63,482	116	106	6,377	11,484	–2,657	–3,646	19,399	71,426
5. Net investment income	60,597	278,876	17,475	137,181	150,925	579,318	–1,401	–2,369	227,596	993,005
6. Other income	74,573	29,961	1,204	1,047	14,548	7,283	–10,317	–1,160	80,008	37,131
7. Insurance benefits	–1,443,949	–1,253,528	–809,683	–811,254	–1,328,260	–1,534,497	20,270	2,255	–3,561,622	–3,597,024
8. Operating expenses	–762,816	–667,457	–134,285	–127,892	–369,739	–332,376	10,035	622	–1,256,805	–1,127,104
9. Other expenses	–71,353	–45,970	–1,808	–3,285	–43,408	–37,792	17,153	479	–99,416	–86,569
10. Amortisation of goodwill	0	–4,688	0	0	–10,530	–14,407	0	0	–10,530	–19,095
11. Operating profit	122,325	255,780	19,511	101,522	–9,921	21,412	–2,913	–567	129,002	378,147
12. Financing costs	–24,220	–23,276	0	0	–14,565	–14,615	0	0	–38,785	–37,891
13. Profit on ordinary activities	98,106	232,504	19,511	101,522	–24,486	6,797	–2,913	–567	90,217	340,256
14. Income taxes	–8,982	–45,386	–4,400	–24,425	–10,087	–1,452	0	0	–23,470	–71,263
15. Net profit	89,124	187,118	15,110	77,097	–34,573	5,345	–2,913	–567	66,748	268,993
of which consolidated profit	68,836	179,418	9,574	55,813	–22,189	12,440	–2,913	–567	53,308	247,103
of which minority interests	20,287	7,700	5,536	21,284	–12,383	–7,095	0	0	13,440	21,889

Impairment by segment

	Property and casualty		Health		Life		Consolidation		Group
	2008 € 000	2007 € 000	2008 € 000	2007 € 000	2008 € 000	2007 € 000	2008 € 000	2007 € 000	2008 € 000	2007 € 000
Goodwill
Change in impairment for current year	0	–4,689	0	0	0	0	0	0	0	–4,689
of which reallocation affecting income	0	–4,689	0	0	0	0	0	0	0	–4,689
Investments
Change in impairment for current year	–51,830	–50,359	–43,099	–17,063	–387,373	–138,422	0	0	–482,302	–205,844
of which reallocation/reinstatement of original values affecting income	–51,830	–50,359	–43,099	–17,063	–387,373	–138,422	0	0	–482,302	–205,844

Classified by region

	Premiums earned (retained)		Net investment income		Insurance benefits		Operating expenses		Profit on ordinary activities
	2008 € 000	2007 € 000	2008 € 000	2007 € 000	2008 € 000	2007 € 000	2008 € 000	2007 € 000	2008 € 000	2007 € 000
Western Europe (incl. Austria)	3,919,460	3,686,823	173,326	954,617	–2,971,455	–3,352,784	–1,066,143	–1,004,440	42,758	306,021
Austria	2,957,792	2,889,769	97,602	863,864	–2,273,314	–2,754,509	–719,861	–671,928	–5,250	294,254
Other Europe	1,808,576	1,213,356	138,569	138,176	–1,308,578	–844,771	–671,579	–575,905	86,347	53,399
Western Europe	961,668	797,053	75,724	90,754	–698,141	–598,276	–346,283	–332,512	48,007	11,767
Italy	214,251	193,335	37,045	48,817	–156,123	–160,667	–77,010	–78,653	18,182	4,400
Germany	298,865	288,006	43,390	29,188	–239,792	–222,918	–128,981	–127,864	14,859	4,024
Switzerland	445,150	311,286	–6,761	9,612	–297,603	–209,950	–136,096	–123,622	18,764	3,021
Liechtenstein	3,402	4,426	2,049	3,026	–4,623	–4,741	–4,195	–2,374	–3,799	212
The Netherlands	0	0	2	110	0	0	0	0	2	110
Eastern Europe	846,908	416,303	62,846	47,422	–610,437	–246,495	–325,296	–243,393	38,339	41,632
Poland	464,871	139,939	16,832	12,844	–409,869	–102,632	–74,519	–59,877	6,473	7,817
Hungary	87,916	86,788	31,526	20,953	–30,953	–34,682	–74,339	–66,732	25,525	20,314
Czech Republic	104,562	77,084	–557	5,176	–51,680	–40,445	–55,399	–45,000	13,504	13,086
Bulgaria	42,995	40,086	1,076	1,408	–23,402	–25,676	–26,725	–24,670	1,484	–2,259
Slovakia	46,226	37,643	3,293	2986	–26,990	–19,981	–30,825	–23,821	4,600	7341
Ukraine	29,674	143	1,160	118	–11,776	–2	–19,720	–680	–9,381	–372
Romania	20,234	0	2,159	637	–21,573	0	–9,732	0	–231	535
Serbia	19,953	12,896	4,493	1501	–12,899	–9,239	–15,301	–9,029	–3,062	–4,791
Croatia	16,341	11,815	1,678	995	–12,887	–7,767	–10,981	–8,772	–175	–99
Bosnia and Herzegovina	13,464	9,800	1,737	799	–8,003	–5,997	–6,233	–4,687	1433	146
Others	674	108	–551	4	–405	–74	–1,523	–126	–1,831	–86
Total before consolidation	4,766,368	4,103,125	236,172	100,2039	–3,581,892	–3,599,279	–1,391,439	–1,247,833	81,097	347,653
Consolidation (based on geographic segments)	–35,996	3252	–8,576	–9,035	20270	2,255	134,634	120,729	9,120	–7,398
In the consolidated financial statements	4,730,372	4,106,377	227,596	993,005	–3,561,622	–3,597,024	–1,256,805	–1,127,104	90,217	340,256

The investment income and profit on ordinary activity by region are presented net of the capital consolidation effects contained in the investment income. The consolidation item includes the expenditure and income consolidation from operational business relations between Group companies on the basis of geographic segments.