The premiums written and earned in the reporting period of 2008 and in the comparable period of 2007 are broken down by segments as follows:
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|
Premiums written |
Property/ Casualty |
Life |
Health |
Total |
|
|
2008 |
2008 |
2008 |
2008 |
|
in EUR ‘000 |
|
|
|
|
|
GROSS |
|
|
|
|
|
Direct business |
4,233,222 |
3,294,718 |
314,111 |
7,842,051 |
|
Austria |
1,537,123 |
1,861,350 |
314,111 |
3,712,584 |
|
Czech Republic |
972,405 |
436,967 |
0 |
1,409,372 |
|
Slovakia |
329,901 |
275,084 |
0 |
604,985 |
|
Poland |
413,273 |
381,682 |
0 |
794,955 |
|
Romania |
567,838 |
39,056 |
0 |
606,894 |
|
Other CEE markets |
343,283 |
151,866 |
0 |
495,149 |
|
Other markets |
69,399 |
148,713 |
0 |
218,112 |
|
Indirect business |
45,631 |
11,015 |
169 |
56,815 |
|
Premiums written |
4,278,853 |
3,305,733 |
314,280 |
7,898,866 |
|
CEDED TO REINSURERS |
-812,298 |
-43,886 |
-921 |
-857,105 |
|
Premiums written – retained |
3,466,555 |
3,261,847 |
313,359 |
7,041,761 |
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|
Net earned premiums |
Property/ Casualty |
Life |
Health |
Total |
|
|
2008 |
2008 |
2008 |
2008 |
|
in EUR ‘000 |
|
|
|
|
|
GROSS |
|
|
|
|
|
Direct business |
4,140,503 |
3,308,824 |
314,087 |
7,763,414 |
|
Indirect business |
43,884 |
10,120 |
169 |
54,173 |
|
Net earned premiums |
4,184,387 |
3,318,944 |
314,256 |
7,817,587 |
|
CEDED TO REINSURERS |
-808,974 |
-46,087 |
-921 |
-855,982 |
|
Net earned premiums – retained |
3,375,413 |
3,272,857 |
313,335 |
6,961,605 |
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|
Premiums written |
Property/ Casualty |
Life |
Health |
Total |
|
|
2007 |
2007 |
2007 |
2007 |
|
in EUR ‘000 |
|
|
|
|
|
GROSS |
|
|
|
|
|
Direct business |
3,647,516 |
2,930,963 |
306,375 |
6,884,854 |
|
Austria |
1,474,451 |
1,898,439 |
306,375 |
3,679,265 |
|
Czech Republic |
830,859 |
292,326 |
0 |
1,123,185 |
|
Slovakia |
295,720 |
197,664 |
0 |
493,384 |
|
Poland |
323,766 |
218,799 |
0 |
542,565 |
|
Romania |
399,070 |
13,602 |
0 |
412,672 |
|
Other CEE markets |
257,696 |
124,916 |
0 |
382,612 |
|
Other markets |
65,954 |
185,217 |
0 |
251,171 |
|
Indirect business |
23,652 |
3,203 |
222 |
27,077 |
|
Premiums written |
3,671,168 |
2,934,166 |
306,597 |
6,911,931 |
|
CEDED TO REINSURERS |
-784,132 |
-58,221 |
-982 |
-843,335 |
|
Premiums written – retained |
2,887,036 |
2,875,945 |
305,615 |
6,068,596 |
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|
Net earned premiums |
Property/ Casualty |
Life |
Health |
Total |
|
|
2007 |
2007 |
2007 |
2007 |
|
in EUR ‘000 |
|
|
|
|
|
GROSS |
|
|
|
|
|
Direct business |
3,493,890 |
2,945,986 |
306,258 |
6,746,134 |
|
Indirect business |
22,868 |
3,264 |
222 |
26,354 |
|
Net earned premiums |
3,516,758 |
2,949,250 |
306,480 |
6,772,488 |
|
CEDED TO REINSURERS |
-770,005 |
-59,808 |
-982 |
-830,795 |
|
Net earned premiums – retained |
2,746,753 |
2,889,442 |
305,498 |
5,941,693 |
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|
Gross premiums written property/ |
Gross |
Ceded to reinsurers |
Retained |
Gross |
|
|
2008 |
2008 |
2008 |
2007 |
|
in EUR ‘000 |
|
|
|
|
|
Direct business |
|
|
|
|
|
Insurance for business interruption following fire |
506,168 |
-267,787 |
238,381 |
456,168 |
|
Household insurance |
211,008 |
-19,810 |
191,198 |
183,343 |
|
Other non-life insurance |
343,570 |
-110,879 |
232,691 |
310,727 |
|
Motor vehicle liability insurance |
1,220,127 |
-183,699 |
1,036,428 |
1,077,546 |
|
Other motor vehicle insurance |
1,049,781 |
-46,698 |
1,003,083 |
820,445 |
|
Casualty insurance |
276,651 |
-41,407 |
235,244 |
244,825 |
|
Liability insurance |
270,585 |
-53,225 |
217,360 |
235,279 |
|
Legal expenses insurance |
45,134 |
-223 |
44,911 |
43,360 |
|
Marine, aviation, and transport insurance |
71,401 |
-44,083 |
27,318 |
59,052 |
|
Credit and guarantee insurance |
38,664 |
-2,877 |
35,787 |
56,979 |
|
Other insurance |
200,133 |
-26,943 |
173,190 |
159,792 |
|
Subtotal |
4,233,222 |
-797,631 |
3,435,591 |
3,647,516 |
|
Indirect business |
|
|
|
|
|
Marine, aviation, and transport insurance |
1,480 |
-29 |
1,451 |
1,401 |
|
Other insurance |
44,151 |
-14,638 |
29,513 |
22,251 |
|
Subtotal |
45,631 |
-14,667 |
30,964 |
23,652 |
|
Total |
4,278,853 |
-812,298 |
3,466,555 |
3,671,168 |
A portion of the earned premiums of EUR 43,884,000 (EUR 22,868,000) from indirect business in the property/casualty insurance segment and EUR 10,120,000 (EUR 3,264,000) in the life insurance segment were included in the income statement after being deferred by one year.
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|
Premiums written – Direct life insurance business |
2008 |
2007 |
|
in EUR ‘000 |
|
|
|
Regular premium policies |
1,931,610 |
1,795,877 |
|
Endowment insurance, not including risk insurance |
945,486 |
758,133 |
|
Risk insurance |
133,055 |
171,298 |
|
Pension insurance |
200,744 |
276,551 |
|
Unit-linked insurance |
383,499 |
356,317 |
|
Index-linked insurance |
13,786 |
40,096 |
|
Government-sponsored pension plans |
255,040 |
193,482 |
|
Single premium policies |
1,363,108 |
1,135,086 |
|
Endowment insurance, not including risk insurance |
477,140 |
530,782 |
|
Risk insurance |
114,919 |
34,031 |
|
Pension insurance |
176,997 |
157,359 |
|
Unit-linked insurance |
330,060 |
321,384 |
|
Index-linked insurance |
261,848 |
91,530 |
|
Government-sponsored pension plans |
2,144 |
0 |
|
Total direct life premiums written |
3,294,718 |
2,930,963 |
|
of which: |
3,294,718 |
2,930,963 |
|
Policies with profit participation |
1,851,723 |
1,724,693 |
|
Policies without profit participation |
347,678 |
393,944 |
|
Policies unit- and index-linked life insurance |
1,095,317 |
812,326 |
|
of which: |
3,294,718 |
2,930,963 |
|
Individual policies |
2,949,305 |
2,605,864 |
|
Group policies |
345,413 |
325,099 |
Please refer to the relevant individual financial statements for information on investments of unit- and index-linked life insurance.
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|
Gross premiums written – Health insurance |
2008 |
2007 |
|
in EUR ‘000 |
|
|
|
Direct business |
314,111 |
306,375 |
|
Individual policies |
220,305 |
214,736 |
|
Group policies |
93,806 |
91,639 |
|
Indirect business |
169 |
222 |
|
Group policies |
169 |
222 |
|
Total health premiums written |
314,280 |
306,597 |
Compare to 2007