Group key figures

Premiums written (PDF:) [PDF]

5,012

4,942

4,472

4,476

4,315

Savings portion of premiums from unit- and index-linked life insurance

728

823

748

559

360

Premiums written incl. the savings portion of premiums from unit- and index-linked life insurance¹⁾

5,739

5,765

5,219

5,035

4,675

Premiums earned (net)²⁾ (PDF:) [PDF]

4,770

4,690

4,069

4,092

3,963

of which property and casualty insurance

2,290

2,214

1,858

1,716

1,628

of which health insurance

934

906

869

849

812

of which life insurance

1,546

1,570

1,342

1,527

1,523

Premiums earned (net) incl. the savings portion of premiums from unit- and index-linked life insurance

5,474

5,464

4,764

4,592

4,274

Insurance benefits (PDF:) [PDF]

–4,054

–3,523

–3,562

–3,682

–3,742

Operating expenses (net)³⁾ (PDF:) [PDF]

–1,269

–1,236

–1,054

–966

–927

Cost ratio (net after reinsurance)

23.2%

22.6%

22.1%

21.0%

21.7%

Net investment income⁴⁾ (PDF:) [PDF]

717

189

955

865

963

Profit on ordinary activities

82

90

340

238

190

Net profit

43

67

269

175

133

Investments⁵⁾ (PDF:) [PDF]

22,641

21,342

21,544

21,155

19,367

Technical provisions (net)⁶⁾ (PDF:) [PDF]

21,467

19,857

19,559

19,064

17,674

Shareholders’ equity

1,333

1,265

1,336

1,122

930

Total equity incl. minority interests

1,565

1,459

1,532

1,330

1,134

Average number of employees (PDF:) [PDF]

15,107

13,674

10,997

10,748

9,943

Insurance policies

15,343,004

14,699,534

13,130,215

12,533,673

11,892,828