The premiums written and earned in the reporting period of 2007 and in the comparable period of 2006 are broken down by segments as follows:
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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 Repbulic |
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 |
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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|
Premiums written |
Property/Casualty |
Life |
Health |
Total |
|
|
2006 |
2006 |
2006 |
2006 |
|
in EUR ‘000 |
|
|
|
|
|
GROSS |
|
|
|
|
|
Direct business |
3,038,811 |
2,502,848 |
297,720 |
5,839,379 |
|
Austria |
1,399,358 |
1,711,393 |
297,720 |
3,408,471 |
|
Czech Republic |
783,686 |
259,513 |
0 |
1,043,199 |
|
Slovakia |
246,392 |
141,215 |
0 |
387,607 |
|
Poland |
215,707 |
119,340 |
0 |
335,047 |
|
Romania |
213,814 |
12,092 |
0 |
225,906 |
|
Other CEE |
117,689 |
80,684 |
0 |
198,373 |
|
Other markets |
62,165 |
178,611 |
0 |
240,776 |
|
Indirect business |
28,340 |
13,611 |
180 |
42,131 |
|
Premiums written |
3,067,151 |
2,516,459 |
297,900 |
5,881,510 |
|
CEDED TO REINSURERS |
–753,461 |
–38,415 |
–983 |
–792,859 |
|
Premiums written – retained |
2,313,690 |
2,478,044 |
296,917 |
5,088,651 |
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|
Net earned premiums |
Property/Casualty |
Life |
Health |
Total |
|
|
2006 |
2006 |
2006 |
2006 |
|
in EUR ‘000 |
|
|
|
|
|
GROSS |
|
|
|
|
|
Direct business |
2,979,545 |
2,502,410 |
297,324 |
5,779,279 |
|
Indirect business |
28,937 |
13,586 |
180 |
42,703 |
|
Net earned premiums |
3,008,482 |
2,515,996 |
297,504 |
5,821,982 |
|
CEDED TO REINSURERS |
–743,778 |
–38,542 |
–984 |
–783,304 |
|
Net earned premiums – retained |
2,264,704 |
2,477,454 |
296,520 |
5,038,678 |
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|
Gross premiums written – |
Gross |
Ceded to |
Retained |
Gross |
|
|
2007 |
2007 |
2007 |
2006 |
|
in EUR ‘000 |
|
|
|
|
|
Direct business |
|
|
|
|
|
Insurance for business interruption following fire |
456,168 |
–264,900 |
191,268 |
404,634 |
|
Household insurance |
183,343 |
–23,236 |
160,107 |
165,942 |
|
Other non-life insurance |
310,727 |
–126,248 |
184,479 |
251,912 |
|
Motor vehicle liability insurance |
1,077,546 |
–152,862 |
924,684 |
903,947 |
|
Other motor vehicle insurance |
820,445 |
–50,482 |
769,963 |
599,171 |
|
Casualty insurance |
244,825 |
–39,594 |
205,231 |
214,307 |
|
Liability insurance |
235,279 |
–44,341 |
190,938 |
209,641 |
|
Legal expenses insurance |
43,360 |
–349 |
43,011 |
42,158 |
|
Marine, aviation, and transport insurance |
59,052 |
–36,626 |
22,426 |
44,103 |
|
Credit and guarantee insurance |
56,979 |
–2,712 |
54,267 |
35,007 |
|
Other insurance |
159,792 |
–24,358 |
135,434 |
167,989 |
|
Subtotal |
3,647,516 |
–765,708 |
2,881,808 |
3,038,811 |
|
Indirect business |
|
|
|
|
|
Marine, aviation, and transport insurance |
1,401 |
–93 |
1,308 |
1,022 |
|
Other insurance |
22,251 |
–18,331 |
3,920 |
27,318 |
|
Subtotal |
23,652 |
–18,424 |
5,228 |
28,340 |
|
Total |
3,671,168 |
–784,132 |
2,887,036 |
3,067,151 |
A portion of the earned premiums of EUR 22,868,000 (EUR 29,937,000) from indirect business in the property/casualty insurance area and EUR 3,264,000 (EUR 13,586,000) in the life insurance area were included in the income statement after being deferred by one year.
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|
Premiums written – Direct life insurance business |
2007 |
2006 |
|
in EUR ‘000 |
|
|
|
Regular premium policies |
1,795,877 |
1,489,521 |
|
Endowment insurance, not including risk insurance |
758,133 |
736,956 |
|
Risk insurance |
171,298 |
132,241 |
|
Pension insurance |
276,551 |
222,151 |
|
Unit-linked insurance |
356,317 |
250,211 |
|
Index-linked insurance |
40,096 |
1,866 |
|
Government-sponsored pension plans |
193,482 |
146,096 |
|
Single premium policies |
1,135,086 |
1,013,327 |
|
Endowment insurance, not including risk insurance |
530,782 |
504,163 |
|
Risk insurance |
34,031 |
27,465 |
|
Pension insurance |
157,359 |
172,606 |
|
Unit-linked insurance |
321,384 |
259,397 |
|
Index-linked insurance |
91,530 |
49,696 |
|
Total direct life premiums written |
2,930,963 |
2,502,848 |
|
of which: |
|
|
|
Policies with profit participation |
1,724,693 |
1,646,190 |
|
Policies without profit participation |
1,206,270 |
856,658 |
|
of which: |
|
|
|
Individual policies |
2,605,864 |
2,290,767 |
|
Group policies |
325,099 |
212,081 |
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 |
2007 |
2006 |
|
in EUR ‘000 |
|
|
|
Direct business |
306,375 |
297,720 |
|
Individual policies |
214,736 |
207,945 |
|
Group policies |
91,639 |
89,775 |
|
Indirect business |
222 |
180 |
|
Group policies |
222 |
180 |
|
Total health premiums written |
306,597 |
297,900 |
