Group key figures

Premiums written

5,379

5,012

4,942

4,472

4,476

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

845

728

823

748

559

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

6,224

5,739

5,765

5,219

5,035

Premiums earned (net)²⁾

5,141

4,770

4,690

4,069

4,092

of which property and casualty insurance

2,433

2,290

2,214

1,858

1,716

of which health insurance

966

934

906

869

849

of which life insurance

1,741

1,546

1,570

1,342

1,527

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

5,964

5,474

5,464

4,764

4,592

Insurance benefits

–4,458

–4,056

–3,523

–3,562

–3,682

Operating expenses (net)³⁾ (Notes)

–1,346

–1,252

–1,236

–1,054

–966

Cost ratio (net after reinsurance)

22.6%

22.9%

22.6%

22.1%

21.0%

Net investment income⁴⁾ (Notes)

841

717

189

955

865

Profit on ordinary activities⁵⁾

153

100

90

340

238

Net profit

95

56

67

269

175

Investments⁶⁾ (Notes)

24,246

22,641

21,342

21,544

21,155

Technical provisions (net)⁷⁾ (Notes)

22,762

21,467

19,857

19,559

19,064

Shareholders’ equity

1,292

1,333

1,265

1,336

1,122

Total equity incl. minority interests

1,537

1,565

1,459

1,532

1,330

Average number of employees (Notes)

15,066

15,107

13,674

10,997

10,748

Insurance policies

16,471,128

15,343,004

14,699,534

13,130,215

12,533,673