Excel-Tables 6M

Key figures Ageas total

KEY FIGURES AGEAS
in EUR million	HY 22	HY 21	Change	Q2 22	Q2 21	Change	Q1 22
Net result Ageas	563.4	406.7	39%	291.6	110.8	*	271.8
By segment:
- Belgium	245.0	191.3	28%	123.2	90.0	37%	121.8
- Europe	94.8	96.9	( 2 %)	20.4	49.5	( 59 %)	74.4
- Asia	161.4	202.8	( 20 %)	122.3	55.2	*	39.1
- Reinsurance	19.7	30.2	( 35 %)	16.2	8.1	*	3.5
- General Account & Elimination	42.5	-114.6	*	9.4	-92.1	*	33.1
of which RPN(I)	107.4	-56.6	45.9	-58.3	61.5
Net result Ageas excl. RPN(I)	456.0	463.3	( 2 %)	245.7	169.1	210.3
By type:
- Life	341.0	340.1	0%	196.0	113.1	73%	145.0
- Non-Life	179.8	181.1	( 1 %)	86.0	89.7	( 4 %)	93.8
Weighted average number of ordinary shares (in million)	184.7	187.0	( 1 %)	185.2
Earnings per share excl. RPN(I) (in EUR)	2.47	2.48	0%	1.14
Gross inflows at Ageas' share (incl. non-consolidates entities)	8,964.7	8,545.2	5%	3,993.6	3,808.7	5%	4,971.1
By segment:
- Belgium	2,521.3	2,409.3	5%	1,151.8	1,094.9	5%	1,369.5
- Europe	1,765.8	1,820.0	( 3 %)	861.2	928.4	( 7 %)	904.6
- Asia	4,677.6	4,315.8	8%	1,980.7	1,785.3	11%	2,696.9
By type:
- Life	6,266.6	6,020.5	4%	2,728.8	2,648.6	3%	3,537.8
- Non-Life	2,698.1	2,524.7	7%	1,264.8	1,160.1	9%	1,433.3
Combined ratio	94.9%	93.0%	93.0%	94.3%	96.7%
Operating margin Guaranteed (bps)	95	86	80	80	109
Operating margin Unit-Linked (bps)	39	35	37	36	40
in EUR million	30 June 2022	31 Dec 2021	Change	31 March 2022
Shareholders' equity	9,021	11,914	( 24 %)	11,087
Net equity per share (in EUR)	49.11	64.14	( 23 %)	60.03
Net equity per share (in EUR) excluding unrealised gains & losses	45.61	43.43	5%	45.62
Retuon Equity - Ageas Group (excluding unrealised gains)	13.7%	10.9%	13.2%
Group solvency II ageas	221%	197%	12%	203%
Life Technical Liabilities (consolidated entities)	73,028	78,192	( 7 %)	75,437
- Life Technical Liabilities excl. shadow accounting	72,970	75,233	( 3 %)	74,376
- Shadow accounting	58	2,959	( 98 %)	1,061

&D &T For internal use only &P of &N

Financial position

Consolidated statement of financial position
in EUR million	30 June 2022	31 December 2021
Assets
Cash and cash equivalents	1,789.7	1,937.3
Financial investments	52,549.7	59,952.1
Investment property	3,202.3	3,117.3
Loans	15,149.7	14,492.3
Investments related to unit-linked contracts	16,858.1	18,899.4
Equity accounted investments	4,991.6	5,328.3
Reinsurance and other receivables	2,695.5	2,149.2
Current tax assets	59.2	53.4
Deferred tax assets	366.3	99.7
Accrued interest and other assets	1,935.4	2,037.2
Property, plant and equipment	1,728.9	1,732.0
Goodwill and other intangible assets	1,298.7	1,321.8
Assets held for sale	32.1	18.8
Total assets	102,657.2	111,138.8
Liabilities
Liabilities arising from life insurance contracts	26,926.5	28,673.0
Liabilities arising from life investment contracts	29,234.9	30,617.4
Liabilities related to unit-linked contracts	16,866.5	18,901.5
Liabilities arising from non-life insurance contracts	8,035.4	7,888.8
Subordinated liabilities	2,749.3	2,747.8
Borrowings	5,008.8	3,615.6
Current tax liabilities	43.5	16.1
Deferred tax liabilities	325.1	970.9
RPN(I)	413.0	520.4
Accrued interest and other liabilities	2,411.9	2,833.0
Provisions	182.4	182.0
Total liabilities	92,197.2	96,966.4
Shareholders' equity	9,021.4	11,913.6
Non-controlling interests	1,438.6	2,258.8
Total equity	10,460.0	14,172.4
Total liabilities and equity	102,657.2	111,138.8

Investment Portfolio

Investment Portfolio
INVESTMENT PORTFOLIO
in EUR billion	30 June 2022	31 Dec 2021	30 June 2022	31 Dec 2021
Fixed Income portfolio	62.7	68.6	83%	83%
Bonds	47.4	54.1	63%	66%
Government bonds	30.8	35.5	41%	43%
Corporate debt securities	16.6	18.5	22%	23%
Structured credit instruments	0	0.1	0%	0%
Loans	15.1	14.5	20%	18%
Loans to Banks	0.7	0.7	1%	1%
Loans to Customers	14.4	13.8	19%	17%
Real Estate	0.4	0.5	1%	1%
Infrastructure	1.7	1.6	2%	2%
Mortgages	1.2	1.2	2%	1%
Other	11.1	10.5	15%	13%
Equity portfolio	4.9	5.7	6%	7%
Real Estate	6.3	6.1	8%	7%
Investment property	4.5	4.3	6%	5%
For own use	1.8	1.8	2%	2%
Cash and Cash equivalents	1.8	1.9	2%	2%
Total	75.7	82.3	100%	100%

&D &T For internal use only &P of &N

Portfolio split 31 Mar 2014

1 #REF! 1 #REF! 1 #REF! 1 #REF!

Sov bond portfolio

Sovereign bond portfolio
Historical/	Gross unrealised
30 June 2022	Amortised value	gains (losses)	Fair value
Belgian national government	11,020.0	-215	10,805.0
French national government	4,561.0	307.0	4,868.0
Portuguese national government	1,822.0	72.0	1,894.0
Austrian national government	1,691.0	119.0	1,810.0
Spanish national government	2,533.0	-151	2,382.0
Italian national government	1,193.0	108.0	1,301.0
German national government	932.0	131.0	1,063.0
Dutch national government	469.0	-1	468.0
Irish national government	326.0	-4	322.0
British national government	187.0	-19	168.0
Polish national government	260.0	0	260.0
Slovakian national government	200.0	-12	188.0
Czech Republic national government	0	0	0
Finnish national government	91.0	8.0	99.0
US national government	2.0	0	2.0
Other national governments	887.0	-20	868.0
Total Available for Sale	26,174.0	323.0	26,498.0
Belgian national government	4,300.0	5,295.0
Portuguese national government	47.0	79.0
Total Held to Maturity	4,347.0	5,374.0
31 December 2021
Belgian national government	10,891.0	2,203.0	13,094.0
French national government	4,689.0	1,106.0	5,795.0
Austrian national government	2,124.0	357.0	2,481.0
Portuguese national government	1,722.0	402.0	2,124.0
Spanish national government	2,107.0	287.0	2,394.0
Italian national government	1,159.0	342.0	1,501.0
German national government	830.0	235.0	1,065.0
Dutch national government	463.0	58.0	521.0
Irish national government	332.0	33.0	365.0
British national government	222.0	13.0	235.0
Polish national government	274.0	35.0	309.0
Slovakian national government	200.0	44.0	244.0
Czech Republic national government	0	0	0
Finnish national government	91.0	14.0	105.0
US national government	2.0	0	2.0
Other national governments	838.0	67.0	905.0
Total Available for Sale	25,944.0	5,196.0	31,140.0
Belgian national government	4,304.0	6,399.0
Portuguese national government	46.0	98.0
Total Held to Maturity	4,350.0	6,497.0

Reconc equity capital

RECONCILIATION OF SHAREHOLDERS' EQUITY WITH TOTAL CAPITAL
in EUR million	30 June 2022	31 Dec 2021
Share capital and reserves	7,814		7,223
Net profit attributable to shareholders	563		845
Unrealized gains and losses	644		3,847
Shareholders' equity	9,021		11,914
Non-controlling interests	1,439		2,259
Total equity	10,460		14,172
Qualifying Subordinated Liabilities	2,543		2,806
Scope changes at IFRS value
Exclusion of expected dividend	-267		-495
Exclusion of Non-controlling interest of ancillary services	-300		-295
Derecognition of Equity Associates	-4398		-4857
Valuation differences
Revaluation of Property Investments	1,780		1,783
Derecognition of parking concessions	-407	-407
Derecognition of goodwill	-605	-610
Revaluation of Insurance related balance sheet items	153	-7036
(Technical Provisions, Reinsurance Recoverables, VOBA and DAC)
Revaluation of assets which, under IFRS are not accounted for at fair value	130	3,384
(Held to Maturity Bonds, Loans, Mortgages)
Tax impact on valuation differences	-431		521
Other	177		16
Total Solvency II Own Funds	8,835		8,985
Non Transferable Own Funds	-1076		-1028
Total Eligible Solvency II Own Funds, of which:	7,759		7,956
Tier 1	5,285	5,205
Tier 1 restricted	1,076	1,164
Tier 2	1,340	1,524
Tier 3	58	63
Solvency ratio's
Group Required Capital under Partial Internal Model (SCR)	3,393		4,226
Solvency excess	4,366		3,730
Capital ratio	229%		188%

&D &T For internal use only &P of &N

Solvency per region

Key Capital Indicators	in EUR million
30 June 2022	31 Dec 2021
Belgium
Shareholders' equity	2,732	5,025
Own Funds	5,427	6,116
SCR ageas	2,355	2,884
Amount of Own Funds above SCR ageas	3,072	3,232
Solvency II ageas ratio	230%	212%

Europe
Shareholders' equity	2,176	2,400
Own Funds	1,922	1,891
SCR ageas	1,037	1,104
Amount of Own Funds above SCR ageas	884	787
Solvency II ageas ratio	185%	171%
Asia
Shareholders' equity	4,367	4,818
Reinsurance
Shareholders' equity	-51	170
Own Funds	868	905
SCR ageas	392	405
Amount of Own Funds above SCR ageas	476	500
Solvency II ageas ratio	222%	223%
Non Transferable Own Funds	-932	-1012
Diversification SCR ageas	-399	-415

General Account (after eliminations)
Shareholders' equity	-202	-500
Own Funds	421	204
SCR ageas	106	95
Total Group	9,021	11,914
Solvency II ageas ratio	221%	197%
Solvency II pim ratio	229%	188%

BS Product Split

Statement of financial position split into Life, Non-life
	Insurance	Total	General	Group
30 June 2022	Life	Non-life	Eliminations	Insurance	Account	Eliminations	Total
Assets
Cash and cash equivalents	718.2	319.8	0	1,038.0	751.7	0	1,789.7
Financial investments	45,943.3	6,603.6	0	52,546.9	5.1	-2.2	52,549.7
Investment property	2,938.4	263.9	0	3,202.3	0	0	3,202.3
Loans	13,344.2	1,376.9	-39.9	14,681.2	1,335.8	-867.3	15,149.7
Investments related to unit-linked contracts	16,858.1	0	0	16,858.1	0	0	16,858.1
Equity accounted investments	4,199.2	792.0	0	4,991.2	1.1	-55.4	4,991.6
Reinsurance and other receivables	721.9	2,165.6	-284.6	2,602.9	205.5	-112.9	2,695.5
Current tax assets	37.9	21.4	-0.1	59.2	0	0	59.2
Deferred tax assets	235.2	131.1	0	366.3	0	0	366.3
Accrued interest and other assets	1,477.2	297.7	0	1,774.9	253.2	-92.6	1,935.4
Property, plant and equipment	1,390.4	331.8	-0.1	1,722.2	6.7	0	1,728.9
Goodwill and other intangible assets	936.1	362.6	0	1,298.7	0	0	1,298.7
Assets held for sale	29.3	2.7	0.1	32.1	0	0	32.1
Total assets	88,829.5	12,669.0	-324.7	101,173.8	2,559.1	-1075.8	102,657.2
Liabilities
Liabilities arising from life insurance contracts	26,942.2	0	0	26,942.2	0	-15.6	26,926.5
Liabilities arising from life investment contracts	29,234.9	0	0	29,234.9	0	0	29,234.9
Liabilities related to unit-linked contracts	16,866.5	0	0	16,866.5	0	0	16,866.5
Liabilities arising from non-life insurance contracts	0	8,035.4	0	8,035.4	0	0	8,035.4
Subordinated liabilities	1,088.0	409.8	-39.9	1,457.9	2,118.8	-827.4	2,749.3
Borrowings	4,506.4	537.5	0	5,043.9	4.9	-40	5,008.8
Current tax liabilities	23.0	16.4	0	39.4	4.0	0	43.5
Deferred tax liabilities	206.2	110.4	0	316.6	8.4	0	325.1
RPN(I)	0	0	0	0	413.0	0	413.0
Accrued interest and other liabilities	2,011.2	778.0	-284.1	2,505.1	97.5	-154.5	2,411.9
Provisions	30.3	40.4	0	70.7	111.7	0	182.4
Total liabilities	80,908.7	9,928.0	-324.1	90,512.6	2,758.3	-1073.8	92,197.2
0	0	0	0	0	0	0
Shareholders' equity	6,686.8	2,541.3	-0.7	9,227.4	-199.2	-6.7	9,021.5
Non-controlling interests	1,234.0	199.8	0	1,433.8	0	4.7	1,438.5
Total equity	7,920.8	2,741.1	-0.7	10,661.2	-199.2	-2.1	10,460.0
0	0	0	0	0	0	0
Total liabilities and equity	88,829.5	12,669.1	-324.7	101,173.9	2,559.1	-1130.5	102,657.2
Number of employees	4,040	5,753	0	9,793	175	0	9,968

Income statement

Consolidated Income statement
in EUR million
HY 22	HY 21	Change	Q2 22	Q2 21	Change	Q1 22
Income
- Gross premium income	4,557.3	4,438.2	3%	2,128.0	2,065.3	3%	2,429.3
- Change in unearned premiums	-141.6	-114.6	24%	53.5	71.2	( 25 %)	-195.1
- Ceded earned premiums	-228.2	-219.2	4%	-120.8	-107.8	12%	-107.4
Net earned premiums	4,187.5	4,104.4	2%	2,060.7	2,028.7	2%	2,126.8
Interest, dividend and other investment income	1,305.1	1,165.7	12%	707.8	600.8	18%	597.3
Unrealised gain (loss) on RPN(I) (incl. settlement on RPN(I)/CASHES)	107.4	-56.6	*	45.9	-58.3	*	61.5
Result on sales and revaluations	248.9	87.5	*	46.6	12.8	*	202.3
Investment income related to unit-linked contracts	-2341.1	831.5	*	-1365.7	430.5	*	-975.4
Share in result of equity accounted investments	178.6	230.7	( 23 %)	128.3	72.3	77%	50.3
Fee and commission income	238.6	228.3	5%	112.3	116.3	( 3 %)	126.3
Other income	129.9	135.1	( 4 %)	70.2	83.8	( 16 %)	59.7
Total income	4,054.9	6,726.6	( 40 %)	1,806.1	3,286.9	( 45 %)	2,248.8
0	0
Expenses	0	0
- Insurance claims and benefits, gross	-3833.8	-3612.4	6%	-1842.9	-1799.7	2%	-1990.9
- Insurance claims and benefits, ceded	167.3	104.0	61%	77.3	67.9	14%	90.0
Insurance claims and benefits, net	-3666.4	-3508.4	5%	-1765.5	-1731.8	2%	-1900.9
Charges related to unit-linked contracts	2,275.6	-898.8	*	1,334.1	-467.7	*	941.5
Finance costs	-101.7	-69.1	47%	-61.7	-32.6	89%	-40
Change in impairments	-69	-29.3	*	-45.3	-4.5	*	-23.7
Change in provisions	4.8	10.4	( 54 %)	4.0	4.8	( 17 %)	0.8
Fee and commission expense	-611.9	-626	( 2 %)	-283	-298.7	( 5 %)	-328.9
Staff expenses	-441.3	-419.2	5%	-225.1	-214.1	5%	-216.2
Other expenses	-644.1	-596.7	8%	-355.7	-347.3	2%	-288.4
Total expenses	-3253.9	-6137.1	( 47 %)	-1398	-3091.9	( 55 %)	-1855.9
Result before taxation	801.0	589.5	36%	408.1	195.0	*	392.9
Income tax expenses	-133.6	-116.9	( 14 %)	-62.4	-53	( 18 %)	-71.2
Net result for the period	667.4	472.6	41%	345.7	142.0	*	321.7
Attributable to non-controlling interests	104.0	65.9	58%	54.2	31.2	74%	49.8
Net result attributable to shareholders	563.4	406.7	39%	291.6	110.8	*	271.8
Per share data (EUR)
Basic earnings per share	3.05	2.18	1.47
Diluted earnings per share	3.05	2.17	1.47

&F &D &T

PL Product Split

Income statement split into Life, Non-life and Other Insurance
Insurance	Total	General incl
HY 22	Life	Non-life	Eliminations	Insurance	Group Eliminations	Total
Income
- Gross premium income	2,089.7	2,469.3	-0.5	4,558.5	-1.2	4,557.3
- Change in unearned premiums	-0.2	-141.4	0	-141.6	0	-141.6
- Ceded earned premiums	-7.7	-219.9	-0.6	-228.2	0	-228.2
Net earned premiums	2,080.7	2,107.9	0.1	4,188.7	-1.2	4,187.5
Interest, dividend and other investment income	1,171.4	140.6	-8.6	1,303.4	0.9	1,305.1
Unrealised gain (loss) on RPN(I) (incl. settlement on RPN(I)/CASHES)	0	0	0	0	107.4	107.4
Result on sales and revaluations	151.7	95.8	-0.1	247.4	1.5	248.9
Income related to investments for unit-linked contracts	-2341.1	0	0	-2341.1	0	-2341.1
Share in result of equity accounted investments	173.6	5.1	-0.1	178.6	-0.1	178.6
Fee and commission income	164.7	74.0	-0.1	238.6	0	238.6
Other income	90.3	44.6	0.3	135.2	-5.4	129.9
Total income	1,491.2	2,467.9	-8.2	3,950.9	103.1	4,054.9
Expenses
- Insurance claims and benefits, gross	-2354.9	-1441.8	-38.4	-3835.1	1.3	-3833.8
- Insurance claims and benefits, ceded	-12	153.7	25.6	167.3	0	167.3
Insurance claims and benefits, net	-2367	-1288.1	-12.6	-3667.7	1.3	-3666.4
Charges related to unit-linked contracts	2,275.6	0	0	2,275.6	0	2,275.6
Finance costs	-72.6	-13.6	0.8	-85.4	-15.5	-101.7
Change in impairments	-60.7	-8.1	0	-68.8	-0.2	-69
Change in provisions	1.6	0.5	0	2.1	2.7	4.8
Fee and commission expenses	-183.3	-423.6	-5	-611.9	0	-611.9
Staff expenses	-221.3	-203.7	0	-425	-16.2	-441.3
Other expenses	-342.4	-274.4	-4.8	-621.6	-22.4	-644.1
Total expenses	-969.9	-2211	-21.8	-3202.7	-50.3	-3253.9
Result before taxation	521.3	256.9	-30	748.2	52.8	801.0
Tax income (expenses)	-73.1	-50	0	-123.1	-10.3	-133.6
Net result for the period	418.2	206.9	0	625.1	42.5	667.4
Attributable to non-controlling interests	77.2	27.1	0	104.3	0	104.0
Net result attributable to shareholders	341.0	179.8	0	520.8	42.5	563.4
Total income from external customers	1,477.3	2,468.3	-32.4	3,913.2	140.8	4,054.0
Total income internal	13.9	-0.4	24.2	37.7	-37.7	0.9
Total income	1,491.2	2,467.9	-8.2	3,950.9	103.1	4,054.9
Non-cash expenses (excl. depreciation & amortisation)	0	0	0	0	2.7	2.7
Insurance	Total	General
HY 22	Life	Non-life	Eliminations	Insurance	incl Eliminations	Total
Gross premium income	2,089.7	2,469.3	-0.5	4,558.5	-1.2	4,557.3
Inflow deposit accounting	708.8	0	0	708.8	0	708.8
Gross inflow	2,798.5	2,469.3	-0.5	5,267.3	-1.2	5,266.1

General (Income Statement)

General Account
INCOME STATEMENT
in EUR million	HY 22	HY 21	Change	Q2 22	Q2 21	Change	Q1 22
Net interest Income	-14.4	-15.6	( 8 %)	-7	-8	( 13 %)	-7.4
Unrealised gain (loss) on RPN(I)	107.4	-56.6	*	45.9	-58.3	*	61.5
Result on sales and revaluations	-0.5	-5.1	( 90 %)	-0.1	-4.9	( 98 %)	-0.4
Share in result of associates	-0.1	0.7	*	-0.1	0.5	*	0
Other income	2.0	0.9	*	1.4	0.1	*	0.6
Total income	94.4	-75.7	*	40.1	-70.6	*	54.3
Change in impairments and provisions	2.5	10.7	( 77 %)	2.5	5.5	( 55 %)	0
Net revenues	96.9	-65	*	42.6	-65.1	*	54.3
- Staff and Intercompany expenses	-13.8	-15.1	( 9 %)	-6.9	-6.7	3%	-6.9
- Other operating and administrative expenses	-32.2	-27.6	17%	-18.6	-15.4	21%	-13.6
Total expenses	-46	-42.7	8%	-25.5	-22.1	15%	-20.5
Result before taxation	50.9	-107.7	*	17.2	-87.2	*	33.7
Income tax expenses	-10.3	-8.8	( 17 %)	-7.7	-4.9	( 57 %)	-2.6
Net result for the period	40.6	-116.6	*	9.5	-92.1	*	31.1
Net result attributable to non-controlling interests	0	0	0	0	0
Net result attributable to shareholders	40.6	-116.6	*	9.5	-92.1	*	31.1
Eliminations	1.9	2.0	-0.1	0	2.0
Net result including eliminations	42.5	-114.6	*	9.4	-92.1	*	33.1
BALANCE SHEET (MAIN ITEMS)
in EUR million	30 June 2022	31 Dec 2021	Change
RPN(I)	-413	-520.4	( 54320 %)
Royal Park Investments	0.3	1.3	130%
Provision Fortis Settlement	-111.7	-114.4	( 11590 %)

&D &T For internal use only &P of &N

NCP Evolution

EVOLUTION CASH ABD LIQUID ASSETS DURING HY 2022	Total
in EUR million
Cash & cash equivalents	1,104.3
Liquid assets	0.2
Total cash & liquid assets 31 December 2021	1,104.5
Distribution to shareholders
Dividend paid in June	-495.4
Share buy-back program 2021/2022	-90.1
-585.4
Net dividend upstream
Belgium	400.4
Europe
- Portugal	65.7
- UK	56.2
Asia
- Thailand	7.1
- China	109.4
- Malaysia	16.5
Reinsurance	87.2
RPI	0.9
743.4
M&A and capital transactions
Troo Capital injection	-3.1
Other (incl. corporate center costs, interest and RO Asia costs)	-107.5
Total cash & liquid assets 30 June 2022	1,151.9
Cash	1,151.7
Liquid assets	0.2

Inflows per region

KEY FIGURES PER REGION at 100 %	Gross Inflows Life	Gross Inflows Non-Life	Total
in EUR million	HY 22	HY 21	Q2 22	Q2 21	PQ YTD	HY 22	HY 21	Q2 22	Q2 21	PQ YTD	HY 22	HY 21	Q2 22	Q2 21	PQ YTD
Belgium	2,074.0	1,981.3	994.9	952.7	1,079.1	1,287.7	1,231.1	540.8	507.2	746.9	3,361.7	3,212.4	1,535.7	1,459.9	1,826.0
Europe	815.1	908.9	385.1	529.7	430.1	1,453.6	1,417.8	718.2	679.5	735.5	2,268.8	2,326.7	1,103.2	1,209.2	1,165.6
United Kingdom	0	0	0	0	0	681.9	682.8	345.7	347.5	336.2	681.9	682.8	345.7	347.5	336.2
Consolidated entities	0	0	0	0	0	681.9	682.8	345.7	347.5	336.2	681.9	682.8	345.7	347.5	336.2
Non-consolidated partnerships at 100%	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tesco	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Continental Europe	815.1	908.9	385.1	529.7	430.1	771.7	735.0	372.5	332.0	399.3	1,586.9	1,643.9	757.5	861.7	829.4
Consolidated entities	724.0	875.9	337.0	496.7	387.0	453.8	419.9	212.3	194.0	241.5	1,177.8	1,295.8	549.2	690.7	628.6
Portugal	549.0	635.2	247.4	377.7	301.6	453.8	419.9	212.3	194.0	241.5	1,002.8	1,055.1	459.7	571.7	543.1
France	175.0	240.7	89.6	119.0	85.4	0	0	0	0	0	175.0	240.7	89.6	119.0	85.4
Non-consolidated partnerships at 100%	91.2	33.0	48.1	33.0	43.1	317.9	315.0	160.2	138.0	157.7	409.1	348.1	208.3	171.0	200.8
Türkiye (Aksigorta)	0	0	317.9	315.0	160.2	138.0	157.7	317.9	315.0	160.2	138.0	157.7
Türkiye (AvivaSA)	91.2	33.0	48.1	33.0	43.1	91.2	33.0	48.1	33.0	43.1
Asia	16,238.4	15,196.7	6,697.3	6,157.4	9,541.1	1,790.3	1,449.1	903.7	712.0	886.6	18,028.7	16,645.8	7,601.0	6,869.4	10,427.7
Non-consolidated partnerships at 100%	16,238.4	15,196.7	6,697.1	6,157.6	9,541.1	1,790.3	1,449.1	903.7	712.1	886.6	18,028.7	16,645.8	7,601.0	6,869.6	10,427.7
Malaysia	734.1	745.6	346.1	313.0	388.0	457.3	348.2	229.4	170.7	227.9	1,191.5	1,093.8	575.6	483.7	615.9
Thailand	872.0	968.2	415.6	473.3	456.4	212.0	214.3	104.5	99.7	107.5	1,084.0	1,182.5	520.1	573.0	563.9
China	13,977.8	12,623.6	5,572.4	4,802.6	8,405.4	0	0	0	0	0	13,977.8	12,623.6	5,572.4	4,802.7	8,405.4
Taiping RE	332.7	617.7	214.3	463.9	118.4	928.2	727.1	472.0	372.3	456.2	1,260.9	1,344.8	686.3	836.1	574.6
Philippines	53.1	34.6	30.8	15.7	22.3	0	0	0	0	0	53.1	34.6	30.8	15.7	22.3
Vietnam	135.5	91.9	75.4	55.5	60.1	0	0	0	0	0	135.5	91.9	75.4	55.5	60.1
India	133.1	115.2	42.5	33.6	90.6	192.8	159.6	97.8	69.4	95.0	325.9	274.7	140.4	102.9	185.5
Grand Total (excl reinsurance)	19,127.5	18,087.0	8,077.2	7,639.9	11,050.3	4,531.6	4,097.9	2,162.6	1,898.6	2,369.0	23,659.1	22,184.9	10,239.8	9,538.5	13,419.3
Reinsurance	15.4	21.8	7.3	11.0	8.1	866.4	881.1	358.6	404.8	507.8	881.8	903.0	365.9	415.9	515.9
accepted from Consolidated entities	15.4	21.8	7.3	11.0	8.1	820.4	849.8	338.8	386.2	481.6	835.8	871.6	346.1	397.2	489.7
accepted from Non-consolidated partnerships	46.0	31.3	19.8	18.6	26.2	46.0	31.3	19.8	18.6	26.2

Inflows @ ageas Share

KEY FIGURES PER REGION Ageas's part	Gross Inflows Life	Gross inflow Life	Gross Inflows Non-Life	Gross inflow Life	Gross Inflows Total
in EUR million	% ownership	HY 22	HY 21	Q2 22	Q2 21	PQ YTD	HY 22	HY 21	Q2 22	Q2 21	PQ YTD	HY 22	HY 21	Q2 22	Q2 21	PQ YTD
Belgium	75%	1,555.5	1,486.0	746.2	714.6	809.3	965.7	923.3	405.5	380.3	560.2	2,521.3	2,409.3	1,151.8	1,094.9	1,369.5
Europe	515.7	603.9	245.6	337.2	270.1	1,250.2	1,216.1	615.7	591.2	634.5	1,765.8	1,820.0	861.2	928.4	904.6
United Kingdom	0	0	0	0	0	681.9	682.8	345.7	347.5	336.2	681.9	682.8	345.7	347.5	336.2
Consolidated entities	100%	0	0	0	0	0	681.9	682.8	345.7	347.5	336.2	681.9	682.8	345.7	347.5	336.2
Non-consolidated partnerships	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tesco	50%	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Continental Europe	515.7	603.9	245.6	337.2	270.1	568.3	533.3	270.0	243.7	298.3	1,083.9	1,137.2	515.5	580.9	568.4
Consolidated entities	479.2	590.7	226.3	324.0	252.9	453.8	419.9	212.3	194.0	241.5	933.0	1,010.6	438.6	518.0	494.4
Portugal	51% - 100%	304.2	350.0	136.7	205.0	167.5	453.8	419.9	212.3	194.0	241.5	758.0	769.9	349.0	399.0	409.0
France	100%	175.0	240.7	89.6	119.0	85.4	0	0	0	0	0	175.0	240.7	89.6	119.0	85.4
Non-consolidated partnerships	36.5	13.2	19.3	13.2	17.2	114.5	113.4	57.7	49.7	56.8	150.9	126.6	76.9	62.9	74.0
Türkiye (Aksigorta)	36%	0	0	0	0	0	114.5	113.4	57.7	49.7	56.8	114.5	113.4	57.7	49.7	56.8
Türkiye (AvivaSA)	40%	36.5	13.2	19.3	13.2	17.2	0	0	0	0	0	36.5	13.2	19.3	13.2	17.2
0	0
Asia	4,195.4	3,930.6	1,737.1	1,596.9	2,458.3	482.2	385.2	243.6	188.4	238.6	4,677.6	4,315.8	1,980.7	1,785.3	2,696.9
Non-consolidated partnerships	4,195.4	3,930.6	1,737.1	1,596.9	2,458.3	482.2	385.2	243.6	188.4	238.6	4,677.6	4,315.8	1,980.7	1,785.3	2,696.9
Malaysia	31%	227.2	230.8	107.1	96.9	120.1	141.6	107.8	71.1	52.9	70.5	368.8	338.5	178.2	149.7	190.6
Thailand	15% - 31%	269.2	298.9	128.3	146.1	140.9	31.5	31.9	15.5	14.9	16.0	300.7	330.8	143.8	160.9	156.9
China	25%	3,480.5	3,143.3	1,387.6	1,195.9	2,092.9	0	0	3,480.5	3,143.3	1,387.6	1,195.9	2,092.9
Taiping RE	25%	83.2	154.4	53.6	115.9	29.6	232.0	181.8	117.9	93.1	114.1	315.2	336.2	171.5	209.0	143.7
Philippines	50%	26.6	17.3	15.4	7.8	11.2	0	0	0	0	0	26.6	17.3	15.4	7.8	11.2
Vietnam	32%	43.5	29.5	24.2	17.8	19.3	0	0	0	0	0	43.5	29.5	24.2	17.8	19.3
India	49% - 40%	65.2	56.4	20.8	16.4	44.4	77.1	63.8	39.1	27.7	38.0	142.3	120.2	59.9	44.1	82.4
0	0
0	0
Grand Total (excl reinsurance)	6,266.6	6,020.5	2,728.8	2,648.6	3,537.8	2,698.1	2,524.7	1,264.8	1,159.9	1,433.3	8,964.7	8,545.2	3,993.6	3,808.7	4,971.1
0	0
Reinsurance	100%	15.4	21.8	7.3	11.0	8.1	866.4	881.1	358.6	404.8	507.8	881.8	903.0	365.9	415.9	515.9
accepted from Consolidated entities	15.4	21.8	7.3	11.0	8.1	820.4	849.8	338.8	386.2	481.6	835.8	871.6	346.1	397.2	489.7
accepted from Non-consolidated partnerships	0	0	46.0	31.3	19.8	18.6	26.2	46.0	31.3	19.8	18.6	26.2

Annex 8

AGEAS
in EUR million
INCOME STATEMENT - LIFE	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross written premiums	1,201.8	1,220.9	(2%)	626.1	601.8	4%	575.7
Investment contracts without dpf	1,596.2	1,637.2	(3%)	705.1	851.3	(17%)	891.1
Gross Inflow Life	2,798.0	2,858.1	(2%)	1,331.2	1,453.1	(8%)	1,466.8
Operating result	296.2	269.8	10%	126.7	127.0	169.5
Non-allocated other income and expenses	21.5	( 12.3 )	*	10.5	( 10.4 )	<>(100%)	11.0
Result before taxation consolidated entities	317.7	257.5	23%	137.2	116.6	18%	180.5
Result equity associates	173.6	202.1	(14%)	125.9	53.9	> 100 %	47.7
Result before taxation	491.3	459.6	7%	263.1	170.5	54%	228.2
Income tax expenses	( 73.1 )	( 71.6 )	2%	( 31.6 )	( 35.6 )	(11%)	( 41.5 )
Non Controlling interests	( 77.2 )	( 48.0 )	61%	( 35.5 )	( 21.9 )	62%	( 41.7 )
Net result attributable to shareholders	341.0	340.0	196.0	113.0	73%	145.0
INCOME STATEMENT - NON-LIFE	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross Written Premiums	2,469.7	2,365.1	4%	1,118.8	1,067.3	5%	1,350.9
Operating result	188.7	203.4	(7%)	115.7	89.5	29%	73.0
Non-allocated other income and expenses	63.1	4.3	*	9.7	4.3	> 100 %	53.4
Result before taxation consolidated entities	251.8	207.7	21%	125.4	93.8	34%	126.4
Result equity associates	5.1	27.9	(82%)	2.5	18.0	(86%)	2.6
Result before taxation	256.9	235.6	9%	127.9	111.8	14%	129.0
Income tax expenses	( 50.0 )	( 36.3 )	38%	( 22.9 )	( 12.5 )	83%	( 27.1 )
Non Controlling interests	( 27.1 )	( 18.1 )	50%	( 18.8 )	( 9.4 )	100%	( 8.3 )
Net result attributable to shareholders	179.8	181.2	(1%)	86.0	89.8	(4%)	93.8
INCOME STATEMENT - TOTAL	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross Inflow	5,267.3	5,223.3	1%	2,449.6	2,520.5	(3%)	2,817.7
Net result attributable to shareholders Life and Non-Life	520.8	521.2	282.0	202.8	39%	238.8
General Account & Elimination	42.5	( 114.6 )	*	9.4	( 92.1 )	<>(100%)	33.1
Net result Ageas attributable to shareholders	563.4	406.7	39%	291.6	110.8	> 100 %	271.8
KEY PERFORMANCE INDICATORS	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Life
Gross Inflow	2,798.0	2,858.1	(2%)	1,331.2	1,453.1	(8%)	1,466.8
Individual Single	1,580.8	1,645.9	(4%)	713.2	869.6	(18%)	867.6
Individual Regular	448.7	479.4	(6%)	208.9	226.0	(8%)	239.8
Group Single	194.8	194.6	118.9	125.1	(5%)	75.9
Group Regular	541.2	506.1	7%	274.1	213.0	29%	267.1
Gross Inflow	2,798.0	2,858.1	(2%)	1,331.2	1,453.1	(8%)	1,466.8
Guaranteed	1,914.9	1,885.1	2%	921.0	892.8	3%	993.9
Unit-Linked	898.5	994.0	(10%)	418.2	567.7	(26%)	480.3
Operating result	296.2	269.8	10%	126.7	127.0	169.5
Guaranteed	258.0	235.9	9%	109.1	109.5	148.9
Unit-Linked	38.2	33.9	13%	17.7	17.6	1%	20.5
Net underwriting result	( 5.8 )	20.7	*	( 15.9 )	5.2	<>(100%)	10.1
Guaranteed	( 42.1 )	( 9.3 )	*	( 32.6 )	( 9.5 )	> 100 %	( 9.5 )
Unit-Linked	36.4	30.0	21%	16.7	14.7	14%	19.7
Underwriting result	91.6	120.8	(24%)	40.8	57.6	(29%)	50.8
Guaranteed	90.6	119.1	(24%)	40.5	56.7	(29%)	50.1
Unit-Linked	1.0	1.7	(39%)	0.3	1.0	(70%)	0.7
Expense & Other result	( 97.3 )	( 100.1 )	(3%)	( 56.6 )	( 52.4 )	8%	( 40.7 )
Guaranteed	( 132.7 )	( 128.4 )	3%	( 73.1 )	( 66.2 )	10%	( 59.6 )
Unit-Linked	35.3	28.3	25%	16.4	13.7	20%	18.9
Investment result	302.0	249.1	21%	142.7	121.8	17%	159.3
Guaranteed	302.3	247.3	22%	142.7	120.0	19%	159.6
Unit-Linked	( 0.3 )	1.8	<>(100%)	0.0	1.8	(100%)	( 0.3 )

Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	0.80%	0.73%	10%	0.69%	0.68%	0.45%
Net underwriting margin	(0.02%)	0.06%	*	(0.09%)	0.03%	<>(100%)	0.05%
Underwriting margin	0.25%	0.33%	(24%)	0.22%	0.31%	(29%)	0.27%
Expense & other margin	(0.26%)	(0.27%)	(3%)	(0.31%)	(0.28%)	9%	(0.22%)
Investment margin	0.81%	0.67%	21%	0.77%	0.66%	18%	0.85%

Guaranteed Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	0.95%	0.86%	10%	0.80%	0.80%	0.55%
Net underwriting margin	(0.15%)	(0.03%)	*	(0.24%)	(0.07%)	> 100 %	(0.07%)
Underwriting margin	0.33%	0.44%	(24%)	0.30%	0.41%	(28%)	0.37%
Expense & other margin	(0.49%)	(0.47%)	4%	(0.54%)	(0.48%)	11%	(0.44%)
Investment margin	1.10%	0.90%	23%	1.04%	0.87%	20%	1.16%

Unit Linked Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	0.39%	0.35%	11%	0.37%	0.36%	2%	0.20%
Net underwriting margin	0.37%	0.31%	19%	0.35%	0.30%	15%	0.39%
Underwriting margin	0.01%	0.02%	(40%)	0.01%	0.02%	(69%)	0.01%
Expense & other margin	0.36%	0.29%	22%	0.34%	0.28%	20%	0.37%
Investment margin	0.02%	0.04%	(52%)	0.02%	0.06%	(64%)	0.02%

Non-Life
Gross written premiums	2,469.7	2,365.1	4%	1,118.8	1,067.3	5%	1,350.9
Accident & Health	614.2	588.2	4%	257.0	234.2	10%	357.2
Motor	902.3	888.7	2%	434.3	424.4	2%	468.0
Household	669.7	637.9	5%	298.0	286.6	4%	371.7
Other	283.5	250.3	13%	129.5	122.1	6%	154.0
Operating Result	188.7	203.4	(7%)	115.7	89.5	29%	73.0
Accident & Health	40.7	29.0	41%	15.8	15.2	4%	24.9
Motor	76.4	121.3	(37%)	30.3	49.1	(38%)	46.1
Household	34.0	22.6	51%	46.4	3.5	> 100 %	( 12.4 )
Other	37.6	30.5	23%	23.3	21.7	7%	14.3
Net underwriting Result	108.0	142.9	(24%)	73.7	59.3	24%	34.4
Accident & Health	16.6	16.4	1%	1.8	8.8	(80%)	14.8
Motor	47.1	94.5	(50%)	15.6	34.5	(55%)	31.5
Household	21.0	14.0	50%	38.8	( 0.7 )	<>(100%)	( 17.8 )
Other	23.3	18.0	30%	17.4	16.7	4%	5.9
Investment Result	81.4	60.6	34%	41.2	27.4	50%	40.2
Accident & Health	24.9	12.7	96%	13.0	4.1	> 100 %	11.9
Motor	29.2	26.7	9%	14.6	13.9	5%	14.6
Household	13.0	8.6	51%	7.5	4.2	79%	5.5
Other	14.3	12.6	13%	6.1	5.2	17%	8.2

Other Result	( 0.7 )	( 0.1 )	*	0.9	2.9	(69%)	( 1.6 )
Accident & Health	( 0.5 )	( 0.1 )	*	0.9	2.2	(59%)	( 1.4 )
Motor	0.0	0.1	(100%)	0.0	0.8	(100%)	0.0
Household	0.0	0.0	0.2	0.0	( 0.2 )
Other	( 0.2 )	( 0.1 )	100%	( 0.2 )	( 0.1 )	100%	0.0

Net Earned Premiums	2,108.3	2,045.1	3%	1,054.9	1,033.8	2%	1,053.4
Claims Ratio	60.1%	57.5%	5%	56.7%	57.9%	(2%)	63.4%
of which Prior Year claims ratio	(6.4%)	(7.5%)	(14%)	(6.9%)	(7.6%)	(9%)	(6.0%)
Expense Ratio	34.8%	35.5%	(2%)	36.3%	36.4%	33.3%
Combined Ratio	94.9%	93.0%	2%	93.0%	94.3%	(1%)	96.7%
Non Life Accident & Health
Net Earned Premiums	522.7	499.8	5%	260.3	252.3	3%	262.4
Claims Ratio	73.0%	73.1%	74.4%	72.2%	3%	71.6%
Expense Ratio	23.9%	23.6%	1%	24.9%	24.3%	2%	22.9%
Combined Ratio	96.9%	96.7%	99.3%	96.5%	3%	94.5%

Non Life Motor
Net Earned Premiums	774.9	807.6	(4%)	391.3	408.0	(4%)	383.6
Claims Ratio	60.7%	54.3%	12%	61.3%	57.8%	6%	60.1%
Expense Ratio	33.2%	34.0%	(2%)	34.7%	33.7%	3%	31.7%
Combined Ratio	93.9%	88.3%	6%	96.0%	91.5%	5%	91.8%

Non Life Household
Net Earned Premiums	576.9	537.6	7%	290.9	265.5	10%	286.0
Claims Ratio	53.3%	52.5%	2%	41.5%	52.1%	(20%)	65.2%
Expense Ratio	43.1%	44.9%	(4%)	45.2%	48.2%	(6%)	41.0%
Combined Ratio	96.4%	97.4%	(1%)	86.7%	100.3%	(14%)	106.2%

Non Life Other
Net Earned Premiums	233.8	200.1	17%	112.4	108.0	4%	121.4
Claims Ratio	45.7%	44.5%	3%	38.9%	39.3%	(1%)	52.1%
Expense Ratio	44.2%	46.5%	(5%)	45.6%	45.3%	1%	42.8%
Combined Ratio	89.9%	91.0%	(1%)	84.5%	84.6%	94.9%

Margins in % of Net Earned Premiums (excluding associates)
Operating Margin	8.95%	9.95%	(10%)	10.97%	8.66%	27%	6.93%
Net Underwriting margin	5.14%	7.00%	(27%)	6.99%	5.73%	22%	3.29%
Investment margin	3.86%	2.96%	30%	3.89%	2.65%	47%	3.82%
Other margin	(0.05%)	(0.01%)	*	0.09%	0.28%	(70%)	(0.18%)

OTHER DATA	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
No of FTEs	9,968	10,045	(1%)	9,968	10,045	(1%)	10,057

Life
Total Technical Liabilities - Life	73,027.9	77,517.4	(6%)	73,027.9	77,517.4	(6%)	75,436.5
Guaranteed	56,161.4	59,640.0	(6%)	56,161.4	59,640.0	(6%)	57,396.1
Unit linked	16,866.5	17,877.4	(6%)	16,866.5	17,877.4	(6%)	18,040.4
Average Life Technical Liabilities (excl shadow accounting)	74,117.9	73,985.8	73,672.9	74,154.3	(1%)	74,823.0
Guaranteed (excl shadow accounting)	54,429.0	54,691.2	56,219.5	56,493.9	54,519.2
Unit-Linked (excl shadow accounting)	19,688.9	19,294.7	2%	17,453.4	17,660.4	(1%)	20,303.8
Operating cost Life / FUM Life ratio (annualised)	0.46%	0.43%	6%	0.47%	0.43%	9%	0.45%

Non Life
Total Technical Liabilities - Non Life	8,035.4	7,783.6	3%	8,035.4	7,783.6	3%	8,254.5
Reserves / Premium ratio	191%	190%	190%	188%	1%	196%

Annex 8 (BE)

BELGIUM
in EUR million
INCOME STATEMENT - LIFE	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross written premiums	923.6	866.0	7%	489.0	432.7	13%	434.6
Investment contracts without dpf	1,150.5	1,115.3	3%	506.0	520.0	(3%)	644.5
Gross Inflow Life	2,074.0	1,981.3	5%	994.9	952.7	4%	1,079.1
Operating result	246.6	211.0	17%	100.8	100.7	145.8
Non-allocated other income and expenses	34.4	( 1.8 )	*	17.9	( 1.4 )	<>(100%)	16.5
Result before taxation consolidated entities	281.0	209.2	34%	118.7	99.3	20%	162.3
Result equity associates	7.6	6.1	25%	3.6	4.1	(12%)	4.0
Result before taxation	288.6	215.3	34%	122.3	103.4	18%	166.3
Income tax expenses	( 61.0 )	( 54.7 )	12%	( 26.0 )	( 28.5 )	(9%)	( 35.0 )
Non Controlling interests	( 60.4 )	( 32.0 )	89%	( 26.8 )	( 16.0 )	68%	( 33.6 )
Net result attributable to shareholders	167.2	128.6	30%	69.5	58.9	18%	97.7
INCOME STATEMENT - NON-LIFE	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross Written Premiums	1,287.7	1,231.1	5%	540.8	507.2	7%	746.9
Operating result	127.3	108.0	18%	87.3	55.5	57%	40.0
Non-allocated other income and expenses	9.8	( 0.3 )	*	6.7	( 0.1 )	<>(100%)	3.1
Result before taxation consolidated entities	137.1	107.7	27%	94.0	55.4	70%	43.1
Result equity associates	0.0	( 0.2 )	(100%)	( 0.2 )	0.0	0.2
Result before taxation	137.1	107.5	28%	93.8	55.4	69%	43.3
Income tax expenses	( 32.1 )	( 26.5 )	21%	( 21.2 )	( 14.7 )	44%	( 10.9 )
Non Controlling interests	( 27.2 )	( 18.3 )	49%	( 18.9 )	( 9.6 )	97%	( 8.3 )
Net result attributable to shareholders	77.8	62.7	24%	53.7	31.1	73%	24.1
INCOME STATEMENT - TOTAL	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross Inflow	3,361.7	3,212.4	5%	1,535.7	1,459.9	5%	1,826.0
Net result attributable to shareholders	245.0	191.3	28%	123.1	90.0	37%	121.9
KEY PERFORMANCE INDICATORS	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Life
Gross Inflow	2,074.0	1,981.3	5%	994.9	952.7	4%	1,079.1
Individual Single	1,018.1	960.0	6%	451.6	453.2	566.5
Individual Regular	342.9	363.5	(6%)	159.1	170.2	(7%)	183.8
Group Single	192.8	193.4	118.5	124.3	(5%)	74.3
Group Regular	520.3	464.4	12%	265.7	205.0	30%	254.6
Gross Inflow	2,074.0	1,981.3	5%	994.9	952.7	4%	1,079.1
Guaranteed	1,584.0	1,519.0	4%	754.4	715.9	5%	829.6
Unit-Linked	490.0	462.3	6%	240.5	236.9	2%	249.5
Operating result	246.6	211.0	17%	100.8	100.7	145.8
Guaranteed	218.7	187.2	17%	87.8	89.0	(1%)	130.9
Unit-Linked	27.9	23.7	17%	13.1	11.6	13%	14.8
Net underwriting result	( 19.6 )	( 6.6 )	*	( 20.9 )	( 5.2 )	> 100 %	1.3
Guaranteed	( 45.3 )	( 28.3 )	60%	( 32.8 )	( 15.8 )	> 100 %	( 12.5 )
Unit-Linked	25.8	21.7	19%	12.1	10.6	14%	13.7
Underwriting result	54.1	68.6	(21%)	20.2	32.9	(39%)	33.9
Guaranteed	53.9	68.3	(21%)	20.2	32.7	(38%)	33.7
Unit-Linked	0.2	0.3	(36%)	0.0	0.2	(100%)	0.2

Expense & Other result	( 73.7 )	( 75.2 )	(2%)	( 41.1 )	( 38.1 )	8%	( 32.6 )
Guaranteed	( 99.3 )	( 96.6 )	3%	( 53.2 )	( 48.5 )	10%	( 46.1 )
Unit-Linked	25.6	21.4	20%	12.1	10.4	16%	13.5

Investment result	266.2	217.5	22%	121.7	105.8	15%	144.5
Guaranteed	264.1	215.5	23%	120.7	104.8	15%	143.4
Unit-Linked	2.1	2.1	4%	1.0	1.0	1%	1.1

Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	0.82%	0.71%	15%	0.68%	0.68%	0.48%
Net underwriting margin	(0.07%)	(0.02%)	*	(0.14%)	(0.03%)	> 100 %	0.01%
Underwriting margin	0.18%	0.23%	(22%)	0.13%	0.22%	(39%)	0.22%
Expense & other margin	(0.25%)	(0.25%)	(3%)	(0.27%)	(0.26%)	7%	(0.22%)
Investment margin	0.89%	0.74%	21%	0.81%	0.71%	14%	0.96%

Guaranteed Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	0.94%	0.81%	16%	0.75%	0.77%	(2%)	0.56%
Net underwriting margin	(0.19%)	(0.12%)	60%	(0.28%)	(0.14%)	> 100 %	(0.11%)
Underwriting margin	0.23%	0.30%	(22%)	0.17%	0.28%	(39%)	0.29%
Expense & other margin	(0.43%)	(0.42%)	2%	(0.46%)	(0.42%)	9%	(0.40%)
Investment margin	1.14%	0.93%	22%	1.04%	0.90%	15%	1.23%

Unit Linked Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	0.41%	0.37%	12%	0.40%	0.36%	11%	0.21%
Net underwriting margin	0.38%	0.34%	13%	0.36%	0.33%	12%	0.39%
Underwriting margin	(39%)	0.01%	<>(100%)	0.01%
Expense & other margin	0.38%	0.33%	14%	0.37%	0.32%	14%	0.39%
Investment margin	0.03%	0.03%	(1%)	0.03%	0.03%	0.03%

Non-Life
Gross written premiums	1,287.7	1,231.1	5%	540.8	507.2	7%	746.9
Accident & Health	357.2	354.1	1%	142.3	130.2	9%	214.9
Motor	378.9	363.7	4%	168.1	162.9	3%	210.8
Household	413.1	385.9	7%	175.3	164.2	7%	237.8
Other	138.5	127.3	9%	55.0	49.7	11%	83.5

Operating Result	127.3	108.0	18%	87.3	55.5	57%	40.0
Accident & Health	20.4	9.4	*	5.3	2.6	> 100 %	15.1
Motor	45.4	63.6	(29%)	26.7	32.4	(18%)	18.7
Household	25.3	11.5	*	38.5	7.1	> 100 %	( 13.2 )
Other	36.2	23.5	54%	16.8	13.4	25%	19.4

Net underwriting Result	69.3	67.0	3%	56.8	38.0	49%	12.5
Accident & Health	( 2.2 )	( 3.2 )	(31%)	( 6.8 )	( 2.2 )	> 100 %	4.6
Motor	29.5	49.6	(41%)	18.7	26.2	(29%)	10.8
Household	15.2	5.3	*	32.7	4.3	> 100 %	( 17.5 )
Other	26.7	15.3	75%	12.1	9.7	25%	14.6

Investment Result	58.0	41.0	42%	30.5	17.5	74%	27.5
Accident & Health	22.6	12.7	78%	12.1	4.9	> 100 %	10.5
Motor	15.9	14.0	14%	8.0	6.2	29%	7.9
Household	10.2	6.2	63%	5.9	2.8	> 100 %	4.3
Other	9.5	8.1	16%	4.7	3.6	31%	4.8

Other Result	0.0	0.0	0.0	0.0	0.0
Accident & Health	0.0	0.0	0.0	0.0	0.0
Motor	0.0	0.0	0.0	0.0	0.0
Household	0.0	0.0	0.0	0.0	0.0
Other	0.0	0.0	0.0	0.0	0.0

Net Earned Premiums	753.0	728.1	3%	377.6	367.9	3%	375.5
Claims Ratio	56.2%	56.6%	(1%)	50.3%	55.7%	(10%)	62.0%
of which Prior Year claims ratio	(10.0%)	(13.3%)	(25%)	(11.8%)	(12.9%)	(8%)	(8.2%)
Expense Ratio	34.6%	34.2%	1%	34.7%	34.0%	2%	34.7%
Combined Ratio	90.8%	90.8%	85.0%	89.7%	(5%)	96.7%

Non Life Accident & Health
Net Earned Premiums	261.5	261.9	128.8	132.5	(3%)	132.7
Claims Ratio	77.3%	78.9%	(2%)	81.0%	79.0%	2%	73.6%
Expense Ratio	23.5%	22.3%	5%	24.3%	22.7%	7%	22.9%
Combined Ratio	100.8%	101.2%	105.3%	101.7%	4%	96.5%

Non Life Motor
Net Earned Premiums	204.8	196.9	4%	103.3	99.8	4%	101.5
Claims Ratio	50.3%	39.4%	28%	47.2%	39.3%	20%	53.5%
Expense Ratio	35.3%	35.4%	34.7%	34.4%	1%	35.9%
Combined Ratio	85.6%	74.8%	14%	81.9%	73.7%	11%	89.4%

Non Life Household
Net Earned Premiums	213.2	202.1	6%	107.8	101.4	6%	105.4
Claims Ratio	47.8%	52.1%	(8%)	24.9%	50.5%	(51%)	71.3%
Expense Ratio	45.1%	45.3%	44.8%	45.3%	(1%)	45.4%
Combined Ratio	92.9%	97.4%	(5%)	69.7%	95.8%	(27%)	116.7%

Non Life Other
Net Earned Premiums	73.5	67.2	9%	37.6	34.2	10%	35.9
Claims Ratio	21.4%	33.8%	(37%)	26.7%	28.8%	(7%)	15.8%
Expense Ratio	42.2%	43.4%	(3%)	41.1%	42.7%	(4%)	43.5%
Combined Ratio	63.6%	77.2%	(18%)	67.8%	71.5%	(5%)	59.3%

Margins in % of Net Earned Premiums (excluding associates)
Operating Margin	16.90%	14.83%	14%	23.12%	15.09%	53%	10.65%
Net Underwriting margin	9.20%	9.20%	15.04%	10.33%	46%	3.33%
Investment margin	7.70%	5.63%	37%	8.08%	4.76%	70%	7.32%
Other margin	0.00%	0.00%	0.00%	0.00%	0.00%

OTHER DATA	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
No of FTEs	6,127	5,880	4%	6,127	5,880	4%	6,071

Life
Total Technical Liabilities - Life	59,434.9	62,001.6	(4%)	59,434.9	62,001.6	(4%)	60,939.9
Guaranteed	48,468.2	50,574.3	(4%)	48,468.2	50,574.3	(4%)	49,164.9
Unit linked	10,966.7	11,427.3	(4%)	10,966.7	11,427.3	(4%)	11,775.0
Average Life Technical Liabilities (excl shadow accounting)	60,013.9	59,141.2	1%	59,755.3	59,362.5	1%	60,459.5
Guaranteed (excl shadow accounting)	46,532.1	46,289.5	1%	46,572.3	46,325.1	1%	46,545.7
Unit-Linked (excl shadow accounting)	13,481.7	12,851.7	5%	13,183.0	13,037.3	1%	13,913.9
Operating cost Life / FUM Life ratio (annualised)	0.43%	0.43%	1%	0.43%	0.42%	2%	0.43%

Non Life
Total Technical Liabilities - Non Life	4,461.1	4,302.7	4%	4,461.1	4,302.7	4%	4,656.4
Reserves / Premium ratio	296%	295%	295%	292%	1%	310%

Annex 8 (EU)

EUROPE
in EUR million
INCOME STATEMENT - LIFE	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross written premiums	278.3	354.0	(21%)	137.9	165.3	(17%)	140.4
Investment contracts without dpf	445.7	521.9	(15%)	199.1	331.3	(40%)	246.6
Gross Inflow Life	724.0	875.9	(17%)	337.0	496.7	(32%)	387.0
Operating result	50.6	57.8	(12%)	25.4	26.0	(2%)	25.2
Non-allocated other income and expenses	1.5	1.6	(6%)	( 0.1 )	( 3.3 )	(97%)	1.6
Result before taxation consolidated entities	52.1	59.4	(12%)	25.3	22.7	11%	26.8
Result equity associates	3.8	3.6	6%	( 0.8 )	3.6	<>(100%)	4.6
Result before taxation	55.9	63.0	(11%)	24.5	26.3	(7%)	31.4
Income tax expenses	( 12.0 )	( 16.7 )	(28%)	( 5.6 )	( 7.0 )	(20%)	( 6.4 )
Non Controlling interests	( 16.7 )	( 15.9 )	5%	( 8.6 )	( 5.8 )	48%	( 8.1 )
Net result attributable to shareholders	27.2	30.4	(11%)	10.3	13.5	(24%)	16.9
INCOME STATEMENT - NON-LIFE	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross Written Premiums	1,135.6	1,102.7	3%	557.8	541.5	3%	577.8
Operating result	44.8	69.8	(36%)	22.2	26.3	(16%)	22.6
Non-allocated other income and expenses	49.2	0.9	*	( 6.5 )	4.4	<>(100%)	55.7
Result before taxation consolidated entities	93.9	70.7	33%	15.6	30.7	(49%)	78.3
Result equity associates	( 8.5 )	5.4	*	( 3.8 )	3.1	<>(100%)	( 4.7 )
Result before taxation	85.4	76.1	12%	11.8	33.8	(65%)	73.6
Income tax expenses	( 17.9 )	( 9.8 )	83%	( 1.7 )	2.2	<>(100%)	( 16.2 )
Non Controlling interests	0.1	0.3	(67%)	0.0	0.2	(100%)	0.1
Net result attributable to shareholders	67.6	66.5	2%	10.1	36.0	(72%)	57.5
INCOME STATEMENT - TOTAL	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross Inflow	1,859.6	1,978.6	(6%)	894.8	1,038.2	(14%)	964.8
Net result attributable to shareholders	94.8	96.9	(2%)	20.4	49.5	(59%)	74.3
KEY PERFORMANCE INDICATORS	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Life
Gross Inflow	724.0	875.9	(17%)	337.0	496.7	(32%)	387.0
Individual Single	562.8	686.1	(18%)	261.6	416.6	(37%)	301.2
Individual Regular	138.3	146.9	(6%)	66.6	71.3	(7%)	71.7
Group Single	2.0	1.2	67%	0.4	0.8	(50%)	1.6
Group Regular	20.9	41.7	(50%)	8.4	8.0	5%	12.5
Gross Inflow	724.0	875.9	(17%)	337.0	496.7	(32%)	387.0
Guaranteed	315.4	344.2	(8%)	159.2	165.8	(4%)	156.2
Unit-Linked	408.5	531.7	(23%)	177.7	330.8	(46%)	230.8

Operating result	50.6	57.8	(12%)	25.4	26.0	(2%)	25.2
Guaranteed	40.2	47.6	(15%)	20.6	20.0	3%	19.6
Unit-Linked	10.3	10.2	2%	4.6	6.0	(23%)	5.7

Net underwriting result	14.8	26.3	(44%)	4.4	10.0	(56%)	10.4
Guaranteed	4.2	17.9	(76%)	( 0.3 )	5.8	<>(100%)	4.5
Unit-Linked	10.6	8.3	27%	4.7	4.1	15%	5.9

Underwriting result	38.0	48.1	(21%)	19.9	22.6	(12%)	18.1
Guaranteed	37.2	46.8	(20%)	19.6	22.0	(11%)	17.6
Unit-Linked	0.8	1.4	(39%)	0.3	0.8	(63%)	0.5

Expense & Other result	( 23.2 )	( 21.9 )	6%	( 15.5 )	( 12.8 )	21%	( 7.7 )
Guaranteed	( 32.9 )	( 28.8 )	14%	( 19.8 )	( 16.1 )	23%	( 13.1 )
Unit-Linked	9.8	6.9	40%	4.4	3.3	33%	5.4

Investment result	35.8	31.5	13%	21.0	16.0	31%	14.8
Guaranteed	36.0	29.7	21%	20.9	14.1	48%	15.1
Unit-Linked	( 0.3 )	1.8	*	0.0	1.8	(100%)	( 0.3 )

Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	0.72%	0.78%	(8%)	0.73%	0.70%	4%	0.70%
Net underwriting margin	0.21%	0.35%	(41%)	0.13%	0.27%	(53%)	0.29%
Underwriting margin	0.54%	0.65%	(17%)	0.57%	0.61%	(7%)	0.51%
Expense & other margin	(0.33%)	(0.29%)	12%	(0.44%)	(0.34%)	29%	(0.22%)
Investment margin	0.51%	0.42%	19%	0.60%	0.43%	39%	0.41%

Guaranteed Margins
Operating Margin	1.02%	1.13%	(10%)	1.05%	0.96%	10%	0.98%
Net underwriting margin	0.11%	0.43%	(75%)	(0.01%)	0.28%	<>(100%)	0.22%
Underwriting margin	0.94%	1.11%	(15%)	1.00%	1.05%	(5%)	0.89%
Expense & other margin	(0.84%)	(0.69%)	22%	(1.01%)	(0.77%)	31%	(0.66%)
Investment margin	0.91%	0.71%	29%	1.07%	0.68%	58%	0.76%

Unit Linked Margins
Operating Margin	0.33%	0.32%	6%	0.31%	0.37%	(17%)	0.36%
Net underwriting margin	0.34%	0.26%	32%	0.31%	0.25%	21%	0.37%
Underwriting margin	0.03%	0.04%	(37%)	0.02%	0.05%	(54%)	0.03%
Expense & other margin	0.31%	0.22%	46%	0.29%	0.21%	38%	0.34%
Investment margin	(0.01%)	0.06%	*	0.12%	(100%)	(0.02%)

Non-Life
Gross written premiums	1,135.6	1,102.7	3%	557.8	541.5	3%	577.8
Accident & Health	256.1	232.8	10%	114.2	103.3	11%	141.9
Motor	510.8	504.0	1%	259.9	251.5	3%	250.9
Household	227.8	236.6	(4%)	109.9	116.5	(6%)	117.9
Other	141.0	129.3	9%	74.0	70.3	5%	67.0

Operating Result	44.8	69.8	(36%)	22.2	26.3	(16%)	22.6
Accident & Health	16.6	23.6	(30%)	10.0	16.7	(40%)	6.6
Motor	42.8	46.6	(8%)	16.1	14.4	12%	26.7
Household	( 6.7 )	1.4	*	( 6.7 )	( 1.7 )	> 100 %	0.0
Other	( 7.9 )	( 1.9 )	*	2.8	( 3.1 )	<>(100%)	( 10.7 )

Net underwriting Result	24.6	53.0	(53%)	10.8	13.9	(22%)	13.8
Accident & Health	14.8	23.7	(38%)	8.0	14.6	(45%)	6.8
Motor	29.7	34.2	(13%)	9.5	6.6	44%	20.2
Household	( 9.3 )	( 0.6 )	*	( 8.2 )	( 2.9 )	> 100 %	( 1.1 )
Other	( 10.5 )	( 4.3 )	*	1.6	( 4.4 )	<>(100%)	( 12.1 )

Investment Result	20.9	16.9	24%	10.5	9.5	10%	10.4
Accident & Health	2.4	0.1	*	1.1	0.0	<>(100%)	1.3
Motor	13.1	12.3	6%	6.6	7.0	(6%)	6.5
Household	2.6	2.0	29%	1.4	1.1	23%	1.2
Other	2.9	2.5	15%	1.5	1.4	8%	1.4

Other Result	( 0.7 )	( 0.1 )	*	0.9	2.9	(69%)	( 1.6 )
Accident & Health	( 0.5 )	( 0.1 )	*	0.9	2.2	(58%)	( 1.4 )
Motor	0.0	0.1	(64%)	0.0	0.8	(100%)	0.0
Household	0.0	0.0	*	0.2	0.1	> 100 %	( 0.2 )
Other	( 0.2 )	( 0.1 )	*	( 0.2 )	( 0.1 )	> 100 %	0.0

Net Earned Premiums	621.4	609.1	2%	311.1	307.6	1%	310.3
Claims Ratio	63.5%	57.7%	10%	60.6%	59.8%	1%	66.5%
of which Prior Year claims ratio	(6.6%)	(4.3%)	53%	(7.5%)	(5.2%)	43%	(5.7%)
Expense Ratio	32.5%	33.6%	(3%)	35.9%	35.7%	1%	29.0%
Combined Ratio	96.0%	91.3%	5%	96.5%	95.5%	1%	95.5%

Non Life Accident & Health
Net Earned Premiums	133.3	122.4	9%	67.1	61.8	9%	66.2
Claims Ratio	68.2%	60.4%	13%	65.3%	55.9%	17%	71.2%
Expense Ratio	20.7%	20.3%	2%	22.8%	20.5%	11%	18.6%
Combined Ratio	88.9%	80.7%	10%	88.1%	76.4%	15%	89.8%

Non Life Motor
Net Earned Premiums	285.0	297.0	(4%)	142.9	148.7	(4%)	142.1
Claims Ratio	64.9%	59.8%	8%	65.8%	67.0%	(2%)	64.0%
Expense Ratio	24.7%	28.7%	(14%)	27.6%	28.5%	(3%)	21.8%
Combined Ratio	89.6%	88.5%	1%	93.4%	95.5%	(2%)	85.8%

Non Life Household
Net Earned Premiums	133.2	128.9	3%	66.0	65.3	1%	67.2
Claims Ratio	57.6%	51.3%	12%	53.6%	46.0%	17%	61.6%
Expense Ratio	49.4%	49.2%	58.8%	58.5%	1%	40.0%
Combined Ratio	107.0%	100.5%	6%	112.4%	104.5%	8%	101.6%

Non Life Other
Net Earned Premiums	69.8	60.7	15%	35.0	31.7	10%	34.8
Claims Ratio	60.4%	55.9%	8%	43.7%	62.0%	(30%)	77.2%
Expense Ratio	54.7%	51.2%	7%	51.9%	51.8%	57.5%
Combined Ratio	115.1%	107.1%	7%	95.6%	113.8%	(16%)	134.7%

Margins in % of Net Earned Premiums (excluding associates)
Operating Margin	7.2%	11.45%	(37%)	7.14%	8.56%	(17%)	7.3%
Net Underwriting margin	3.97%	8.70%	(54%)	3.46%	4.52%	(23%)	4.46%
Investment margin	3.36%	2.77%	21%	3.39%	3.10%	9%	3.34%
Other margin	(0.12%)	(0.02%)	*	0.29%	0.94%	(69%)	(0.52%)

OTHER DATA	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
No of FTEs	3,594	3,927	(8%)	3,594	3,927	(8%)	3,742

Life
Total Technical Liabilities - Life	13,606.9	15,518.2	(12%)	13,606.9	15,518.2	(12%)	14,514.4
Guaranteed	7,707.1	9,068.0	(15%)	7,707.1	9,068.0	(15%)	8,249.0
Unit linked	5,899.8	6,450.2	(9%)	5,899.8	6,450.2	(9%)	6,265.4
Average Life Technical Liabilities (excl shadow accounting)	14,096.4	14,834.8	(5%)	13,933.4	14,795.4	(6%)	14,355.8
Guaranteed (excl shadow accounting)	7,889.3	8,391.8	(6%)	7,850.8	8,358.3	(6%)	7,965.9
Unit-Linked (excl shadow accounting)	6,207.2	6,443.0	(4%)	6,082.6	6,437.1	(6%)	6,389.9
Operating cost Life / FUM Life ratio (annualised)	0.58%	0.46%	27%	0.64%	0.47%	37%	0.53%

Non Life
Total Technical Liabilities - Non Life	3,413.7	3,410.0	3,413.7	3,410.0	3,479.5
Reserves / Premium ratio	275%	280%	(2%)	274%	277%	(1%)	280%

Annex 8 (AS)

ASIA
in EUR million
INCOME STATEMENT - LIFE	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross written premiums	0.0	0.0	0.0	0.0	0.0
Investment contracts without dpf	0.0	0.0	0.0	0.0	0.0
Gross Inflow Life	0.0	0.0	0.0	0.0	0.0
Operating result	0.0	0.0	0.0	0.0	0.0
Non-allocated other income and expenses	( 14.6 )	( 12.1 )	21%	( 7.5 )	( 5.8 )	29%	( 7.1 )
Result before taxation consolidated entities	( 14.6 )	( 12.1 )	21%	( 7.5 )	( 5.8 )	29%	( 7.1 )
Result equity associates	162.2	192.4	(16%)	123.1	46.2	> 100 %	39.1
Result before taxation	147.8	180.3	(18%)	115.7	40.4	> 100 %	32.1
Income tax expenses	( 0.1 )	( 0.2 )	(50%)	0.0	( 0.2 )	(100%)	( 0.1 )
Non Controlling interests	0.0	0.0	0.0	0.0	0.0
Net result attributable to shareholders	147.7	180.1	(18%)	115.7	40.3	> 100 %	32.0
INCOME STATEMENT - NON-LIFE	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross Written Premiums	0.0	0.0	0.0	0.0	0.0
Operating result	0.0	0.0	0.0	0.0	0.0
Non-allocated other income and expenses	0.0	0.0	0.0	0.0	0.0
Result before taxation consolidated entities	0.0	0.0	0.0	0.0	0.0
Result equity associates	13.7	22.7	(40%)	6.6	14.9	(56%)	7.1
Result before taxation	13.7	22.7	(40%)	6.6	14.9	(56%)	7.1
Income tax expenses	0.0	0.0	0.0	0.0	0.0
Non Controlling interests	0.0	0.0	0.0	0.0	0.0
Net result attributable to shareholders	13.7	22.7	(40%)	6.6	14.9	(56%)	7.1
INCOME STATEMENT - TOTAL	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross Inflow	0.0	0.0	0.0	0.0	0.0
Net result attributable to shareholders	161.4	202.8	(20%)	122.3	55.2	> 100 %	39.1
KEY PERFORMANCE INDICATORS	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Life
Gross Inflow	0.0	0.0	0.0	0.0	0.0
Individual Single	0.0	0.0	0.0	0.0	0.0
Individual Regular	0.0	0.0	0.0	0.0	0.0
Group Single	0.0	0.0	0.0	0.0	0.0
Group Regular	0.0	0.0	0.0	0.0	0.0
Gross Inflow	0.0	0.0	0.0	0.0	0.0
Guaranteed	0.0	0.0	0.0	0.0	0.0
Unit-Linked	0.0	0.0	0.0	0.0	0.0
0.0	0.0
Operating result	0.0	0.0	0.0	0.0	0.0
Guaranteed	0.0	0.0	0.0	0.0	0.0
Unit-Linked	0.0	0.0	0.0	0.0	0.0
0.0	0.0
Net underwriting result	0.0	0.0	0.0	0.0	0.0
Guaranteed	0.0	0.0	0.0	0.0	0.0
Unit-Linked	0.0	0.0	0.0	0.0	0.0
0.0	0.0
Underwriting result	0.0	0.0	0.0	0.0	0.0
Guaranteed	0.0	0.0	0.0	0.0	0.0
Unit-Linked	0.0	0.0	0.0	0.0	0.0
0.0	0.0
Expense & Other result	0.0	0.0	0.0	0.0	0.0
Guaranteed	0.0	0.0	0.0	0.0	0.0
Unit-Linked	0.0	0.0	0.0	0.0	0.0
0.0	0.0
Investment result	0.0	0.0	0.0	0.0	0.0
Guaranteed	0.0	0.0	0.0	0.0	0.0
Unit-Linked	0.0	0.0	0.0	0.0	0.0

Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin
Net underwriting margin
Underwriting margin
Expense & other margin
Investment margin

Guaranteed Margins
Operating Margin
Net underwriting margin
Underwriting margin
Expense & other margin
Investment margin

Unit Linked Margins
Operating Margin
Net underwriting margin
Underwriting margin
Expense & other margin
Investment margin
OTHER DATA	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
No of FTEs	72	69	4%	72	69	4%	70

Life
Total Technical Liabilities - Life	0.0	0.0	0.0	0.0	0.0
Guaranteed	0.0	0.0	0.0	0.0	0.0
Unit linked	0.0	0.0	0.0	0.0	0.0
Average Life Technical Liabilities (excl shadow accounting)	0.0	0.0	0.0	0.0	0.0
Guaranteed (excl shadow accounting)	0.0	0.0	0.0	0.0	0.0
Unit-Linked (excl shadow accounting)	0.0	0.0	0.0	0.0	0.0
Operating cost Life / FUM Life ratio (annualised)	0.0	0.00%	0.00%

JV Information

ADDITIONAL DISCLOSURES
TOTAL ASIA	CHINA*	ASIA EXCLUDING CHINA*
in EUR million	HY 22	HY 21	Q1 22	Q1 22	Q1 21	Q1 22	Q1 21
New Business Single Premium	476	517	265	ND	ND	ND	ND
New Business Regular Premium	827	691	541	ND	ND	ND	ND
Renewal premium	2,892	2,723	1,652	ND	ND	ND	ND
Total Life Premium @ Ageas' share	4,195	3,930	2,458	ND	ND	ND	ND
APE (@ Ageas' share)	870	743	565	ND	ND	ND	ND
Life Technical Liabilities (@ageas share)	36,581	29,478	35,172	ND	ND	ND	ND
Net Result - Life	162	192	39	17	115	22	31
Net Result - Non-Life	14	23	7	0	0	7	4
Total Net Result (excluding regional office costs)	176	215	46	17	119	29	35
Regional Office Costs	( 15 )	( 12 )	( 7 )
Total Net Result (including regional office costs)	161	203	39
Net Capital Gains - Life (@ageas share)	( 48 )	58	( 18 )	( 21 )	77	3	19
Net Capital Gains - Non-Life (@ageas share)	0	5	( 1 )	0	0	( 1 )	-
Total Net Capital Gains (@ageas share)	( 48 )	64	( 19 )	( 21 )	78	2	22
Local Solvency	251%	218%	233%	223%	217%	270%	265%
Shareholder's equity	4,367	4,392	4,547	2,496	2,228	2,051	2,208
*The data at country level is provided with a quarter delay
**Based on the company own market analysis
ND: Non disclosed
CHINA	ASIA EXCLUDING CHINA
in EUR million	FY 2021	FY 2020	FY 2021	FY 2020
Embedded Value	6,794	5,392	432	1,171

&D &T For internal use only &P of &N

Annex 8 (RE)

REINSURANCE
in EUR million
INCOME STATEMENT - LIFE	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross written premiums	15.4	21.8	(29%)	7.3	11.0	(34%)	8.1
Investment contracts without dpf	0.0	0.0	0.0	0.0	0.0
Gross Inflow Life	15.4	21.8	(29%)	7.3	11.0	(34%)	8.1
Operating result	( 1.0 )	1.0	*	0.6	0.4	50%	( 1.6 )
Non-allocated other income and expenses	0.0	0.0	0.0	0.0	0.0
Result before taxation consolidated entities	( 1.0 )	1.0	*	0.6	0.4	50%	( 1.6 )
Result equity associates	0.0	0.0	0.0	0.0	0.0
Result before taxation	( 1.0 )	1.0	*	0.6	0.4	50%	( 1.6 )
Income tax expenses	0.0	0.0	0.0	0.0	0.0
Non Controlling interests	0.0	0.0	0.0	0.0	0.0
Net result attributable to shareholders	( 1.0 )	1.0	*	0.6	0.4	50%	( 1.6 )
INCOME STATEMENT - NON-LIFE	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross Written Premiums	866.4	881.1	(2%)	358.6	404.8	(11%)	507.8
Operating result	20.6	29.2	(29%)	15.3	7.1	> 100 %	5.3
Non-allocated other income and expenses	0.1	( 0.1 )	*	0.4	0.5	(20%)	( 0.3 )
Result before taxation consolidated entities	20.7	29.2	(29%)	15.6	7.7	> 100 %	5.1
Result equity associates	0.0	0.0	0.0	0.0	0.0
Result before taxation	20.7	29.2	(29%)	15.6	7.7	> 100 %	5.1
Income tax expenses	0.0	0.0	0.0	0.0	0.0
Non Controlling interests	0.0	0.0	0.0	0.0	0.0
Net result attributable to shareholders	20.7	29.2	(29%)	15.6	7.7	> 100 %	5.1
INCOME STATEMENT - TOTAL	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Gross Inflow	881.8	902.9	(2%)	365.9	415.8	(12%)	515.9
Net result attributable to shareholders	19.7	30.2	(35%)	16.2	8.1	100%	3.5
KEY PERFORMANCE INDICATORS	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022
Life
Gross Inflow	15.4	21.8	(29%)	7.3	11.0	(34%)	8.1
Individual Single	15.4	21.8	(29%)	7.3	11.0	(34%)	8.1
Individual Regular	0.0	0.0	0.0	0.0	0.0
Group Single	0.0	0.0	0.0	0.0	0.0
Group Regular	0.0	0.0	0.0	0.0	0.0
Gross Inflow	15.4	21.8	(29%)	7.3	11.0	(34%)	8.1
Guaranteed	15.4	21.8	(29%)	7.3	11.0	(34%)	8.1
Unit-Linked	0.0	0.0	0.0	0.0	0.0
0.0	0.0
Operating result	( 1.0 )	1.0	<>(100%)	0.6	0.5	23%	( 1.6 )
Guaranteed	( 1.0 )	1.0	<>(100%)	0.6	0.5	23%	( 1.6 )
Unit-Linked	0.0	0.0	0.0	0.0	0.0
0.0	0.0
Net underwriting result	( 1.0 )	1.0	<>(100%)	0.6	0.5	23%	( 1.6 )
Guaranteed	( 1.0 )	1.0	<>(100%)	0.6	0.5	23%	( 1.6 )
Unit-Linked	0.0	0.0	0.0	0.0	0.0
0.0	0.0
Underwriting result	( 0.5 )	4.1	<>(100%)	0.7	2.1	(67%)	( 1.2 )
Guaranteed	( 0.5 )	4.1	<>(100%)	0.7	2.1	(67%)	( 1.2 )
Unit-Linked	0.0	0.0	0.0	0.0	0.0
0.0	0.0
Expense & Other result	( 0.5 )	( 3.0 )	(83%)	( 0.2 )	( 1.6 )	(88%)	( 0.3 )
Guaranteed	( 0.5 )	( 3.0 )	(83%)	( 0.2 )	( 1.6 )	(88%)	( 0.3 )
Unit-Linked	0.0	0.0	0.0	0.0	0.0
0.0	0.0
Investment result	0.0	0.0	0.0	0.0	0.0
Guaranteed	0.0	0.0	0.0	0.0	0.0
Unit-Linked	0.0	0.0	0.0	0.0	0.0

Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	(26.21%)	21.23%	<>(100%)	98.65%	16.61%	> 100 %	(41.15%)
Net underwriting margin	(26.11%)	21.78%	<>(100%)	92.74%	16.16%	> 100 %	(40.15%)
Underwriting margin	(12.94%)	82.62%	<>(100%)	127.53%	73.81%	73%	(32.25%)
Expense & other margin	(13.17%)	(60.84%)	(78%)	(34.78%)	(57.66%)	(40%)	(7.90%)
Investment margin	(0.10%)	(0.55%)	(82%)	(1.00%)

Guaranteed Margins
Operating Margin	(26.21%)	21.23%	<>(100%)	98.66%	16.61%	> 100 %	(41.15%)
Net underwriting margin	(26.11%)	21.78%	<>(100%)	92.74%	16.16%	> 100 %	(40.15%)
Underwriting margin	(12.94%)	82.62%	<>(100%)	127.53%	73.81%	73%	(32.25%)
Expense & other margin	(13.17%)	(60.84%)	(78%)	(34.78%)	(57.66%)	(40%)	(7.90%)
Investment margin	(0.10%)	(0.55%)	(82%)	(1.00%)

Unit Linked Margins
Operating Margin
Net underwriting margin
Underwriting margin
Expense & other margin
Investment margin

Non-Life
Gross written premiums	866.4	881.1	(2%)	358.6	404.8	(11%)	507.8
Accident & Health	142.1	142.9	(1%)	59.8	55.0	9%	82.3
Motor	360.5	393.0	(8%)	153.1	182.0	(16%)	207.4
Household	267.6	261.1	2%	101.7	127.8	(20%)	165.9
Other	96.3	84.1	14%	44.1	40.0	10%	52.2

Operating Result	20.6	29.2	(29%)	15.3	7.1	> 100 %	5.3
Accident & Health	4.4	( 3.5 )	*	0.3	( 3.8 )	<>(100%)	4.1
Motor	11.2	14.1	(21%)	4.6	2.9	59%	6.6
Household	0.8	10.5	(92%)	8.6	0.0	( 7.8 )
Other	4.2	8.2	(49%)	1.7	8.1	(79%)	2.5

Net underwriting Result	7.8	18.3	(57%)	10.6	1.6	> 100 %	( 2.8 )
Accident & Health	3.5	( 4.2 )	*	0.5	( 3.5 )	<>(100%)	3.0
Motor	4.2	8.3	(50%)	1.9	( 0.4 )	<>(100%)	2.3
Household	( 2.7 )	7.3	*	7.1	( 1.7 )	<>(100%)	( 9.8 )
Other	2.9	6.8	(58%)	1.2	7.2	(83%)	1.7

Investment Result	12.8	11.0	17%	4.6	5.5	(15%)	8.2
Accident & Health	1.0	0.7	37%	( 0.1 )	( 0.3 )	(56%)	1.1
Motor	7.0	5.7	21%	2.7	3.3	(19%)	4.3
Household	3.6	3.2	13%	1.6	1.6	(2%)	2.0
Other	1.3	1.4	(6%)	0.5	0.9	(40%)	0.8

Other Result	0.0	0.0	0.0	0.0	0.0
Accident & Health	0.0	0.0	0.0	0.0	0.0
Motor	0.0	0.0	0.0	0.0	0.0
Household	0.0	0.0	0.0	0.0	0.0
Other	0.0	0.0	0.0	0.0	0.0

Net Earned Premiums	729.2	704.4	4%	371.6	356.4	4%	357.5
Claims Ratio	61.5%	58.4%	5%	59.0%	59.5%	(1%)	64.1%
of which Prior Year claims ratio	(2.4%)	-4.2%	(42%)	(1.0%)	(4.3%)	(78%)	-3.9%
Expense Ratio	37.4%	39.0%	(4%)	38.1%	40.1%	(5%)	36.7%
Combined Ratio	98.9%	97.4%	2%	97.1%	99.6%	(2%)	100.8%

Non Life Accident & Health
Net Earned Premiums	127.9	115.5	11%	64.4	58.2	11%	63.5
Claims Ratio	69.2%	73.7%	(6%)	70.6%	73.9%	(4%)	67.8%
Expense Ratio	28.1%	29.9%	(6%)	28.6%	32.2%	(11%)	27.5%
Combined Ratio	97.3%	103.6%	(6%)	99.2%	106.1%	(6%)	95.3%

Non Life Motor
Net Earned Premiums	301.3	311.7	(3%)	159.1	157.7	1%	142.2
Claims Ratio	60.3%	58.8%	3%	60.4%	61.4%	(2%)	60.1%
Expense Ratio	38.3%	38.5%	(1%)	38.4%	38.8%	(1%)	38.3%
Combined Ratio	98.6%	97.3%	1%	98.8%	100.2%	(1%)	98.4%

Non Life Household
Net Earned Premiums	213.7	205.0	4%	110.5	102.3	8%	103.2
Claims Ratio	60.4%	54.1%	12%	53.3%	57.9%	(8%)	68.1%
Expense Ratio	40.9%	42.3%	(3%)	40.3%	43.7%	(8%)	41.4%
Combined Ratio	101.3%	96.4%	5%	93.6%	101.6%	(8%)	109.5%

Non Life Other
Net Earned Premiums	86.2	72.2	19%	37.6	38.1	(1%)	48.6
Claims Ratio	56.9%	44.80%	27%	49.8%	34.0%	46%	62.4%
Expense Ratio	39.7%	45.7%	(13%)	47.1%	47.1%	34.00%
Combined Ratio	96.6%	90.5%	7%	96.9%	81.1%	19%	96.4%

Margins in % of Net Earned Premiums (excluding associates)
Operating Margin	2.83%	4.15%	(32%)	4.12%	1.98%	> 100 %	1.48%
Net Underwriting margin	1.08%	2.59%	(58%)	2.87%	0.45%	> 100 %	(0.80%)
Investment margin	1.8%	1.56%	13%	1.25%	1.53%	(19%)	2.28%
Other margin	0.0%	0.00%	0.00%

OTHER DATA	HY 2022	HY 2021	Change	Q2 2022	Q2 2021	Change	3M 2022


Life
Total Technical Liabilities - Life	2.3	12.3	(81%)	2.3	12.3	(81%)	2.3
Guaranteed	2.3	12.3	(81%)	2.3	12.3	(81%)	2.3
Unit linked	0.0	0.0	0.0	0.0	0.0
Average Life Technical Liabilities (excl shadow accounting)	7.6	9.9	(23%)	2.3	11.1	(79%)	7.6
Guaranteed (excl shadow accounting)	7.6	9.9	(23%)	2.3	11.1	(79%)	7.6
Unit-Linked (excl shadow accounting)	0.0	0.0	0.0	0.0	0.0
Operating cost Life / FUM Life ratio (annualised)	0.2	7.21%	> 100 %

Non Life
Total Technical Liabilities - Non Life	1,768.8	1,647.2	7%	1,768.8	1,647.2	7%	1,785.5
Reserves / Premium ratio	121%	117%	4%	119%	116%	3%	125%

Annex 9

AGEAS
in EUR million
INCOME STATEMENT - LIFE	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross written premiums	1,201.8	626.1	575.7	2,464.8	668.3	575.6	601.8	619.1	2,357.1	680.7	534.9	548.2	593.3	2,357.5	644.7	551.2	590.6	571.0	2,216.4	625.2	541.6	528.0	521.6	2,106.7	581.6	501.1	523.1	500.9	2,233.8	567.8	464.5	591.5	610.0	2,578.5	699.4	607.7	636.7	634.7	2,527.9	705.7	598.5	610.8	612.9	2,527.3	669.3	590.6	619.5	647.9	2,749.1	720.5	625.0	673.4	730.2	2,662.6	734.0	606.3	646.8	675.5
Investment contracts without dpf	1,596.2	705.1	891.1	3,753.6	1,009.7	1,106.7	851.3	785.9	2,856.3	790.2	741.4	471.5	853.2	3,971.5	938.1	712.0	923.6	1,397.8	3,778.8	1,147.0	754.7	1,046.2	830.9	3,649.2	1,019.3	759.9	972.8	897.2	4,034.7	984.1	864.3	953.9	1,232.4	3,790.7	1,064.6	811.1	809.1	1,105.9	3,768.2	1,017.7	788.6	917.2	1,044.7	4,006.5	1,089.7	976.8	1,044.5	895.5	3,943.5	1,122.0	797.3	1,120.2	904.0	4,468.6	1,116.9	883.4	1,078.8	1,389.5
Gross Inflow Life	2,798.0	1,331.2	1,466.8	6,218.4	1,678.0	1,682.3	1,453.1	1,405.0	5,197.5	1,470.0	1,261.3	1,019.7	1,446.5	6,329.0	1,582.7	1,263.3	1,514.1	1,968.9	5,995.3	1,772.3	1,296.3	1,574.2	1,352.5	5,755.9	1,600.9	1,261.0	1,495.9	1,398.1	6,268.5	1,551.9	1,328.8	1,545.4	1,842.4	6,369.2	1,764.0	1,418.8	1,445.8	1,740.6	6,296.1	1,723.4	1,387.1	1,528.0	1,657.6	6,533.8	1,759.0	1,567.4	1,663.9	1,543.5	6,692.6	1,842.5	1,422.3	1,793.6	1,634.2	7,131.1	1,850.9	1,489.7	1,725.6	2,065.0
Operating result	296.2	126.7	169.5	608.8	164.1	174.9	127.0	142.8	560.0	187.6	136.3	145.7	90.4	543.7	167.9	134.2	111.2	130.4	533.0	113.0	91.5	125.2	203.3	560.6	87.1	136.7	151.4	185.4	561.6	125.0	112.4	166.0	158.2	565.7	183.4	96.6	141.7	144.0	528.6	92.9	142.7	150.5	142.5	565.7	161.3	134.8	140.5	129.1	589.8	193.1	120.4	106.5	169.8	( 330.7 )	79.0	( 487.2 )	( 52.8 )	130.3
Non-allocated other income and expenses	21.5	10.5	11.0	11.5	9.4	14.4	( 10.4 )	( 1.9 )	( 6.2 )	13.7	2.3	( 6.7 )	( 15.5 )	10.8	4.1	1.6	7.9	( 2.8 )	46.9	35.9	0.5	3.7	6.8	39.5	13.0	13.5	5.2	7.8	229.7	( 4.4 )	30.7	194.1	9.3	( 1.6 )	( 23.9 )	( 13.5 )	28.7	7.1	88.0	20.8	21.1	30.0	16.1	58.6	15.0	17.8	( 3.5 )	29.3	80.8	15.9	14.1	26.1	24.7	( 260.0 )	( 195.1 )	( 76.4 )	( 44.4 )	55.9
Result before taxation consolidated entities	317.7	137.2	180.5	620.3	173.5	189.3	116.6	140.9	553.8	201.3	138.6	139.0	74.9	554.5	172.0	135.8	119.1	127.6	579.9	148.9	92.0	128.9	210.1	600.1	100.1	150.2	156.6	193.2	791.3	120.6	143.1	360.1	167.5	564.1	159.5	83.1	170.4	151.1	616.6	113.7	163.8	180.5	158.6	624.3	176.3	152.6	137.0	158.4	670.6	209.0	134.5	132.6	194.5	( 620.4 )	( 97.3 )	( 577.5 )	( 114.1 )	168.5
Result equity associates	173.6	125.9	47.7	412.8	108.5	102.2	53.9	148.2	262.1	6.4	41.5	135.7	78.5	576.0	104.0	119.5	194.6	157.9	206.6	( 32.5 )	49.3	58.3	131.5	309.6	97.3	88.3	66.4	57.6	192.1	22.9	49.7	74.0	45.5	250.4	53.3	( 0.7 )	147.0	50.8	149.2	31.3	48.2	35.8	33.9	109.9	24.6	31.5	26.2	27.6	108.3	28.4	17.6	30.5	31.8	29.7	( 18.8 )	13.9	16.9	17.7
Result before taxation	491.3	263.1	228.2	1,033.1	282.0	291.5	170.5	289.1	815.9	207.7	180.1	274.7	153.4	1,130.5	276.0	255.3	313.7	285.5	786.5	116.4	141.3	187.2	341.6	909.7	197.4	238.5	223.0	250.8	983.4	143.5	192.8	434.1	213.0	814.5	212.8	82.4	317.4	201.9	765.8	145.0	212.0	216.3	192.5	734.2	200.9	184.1	163.2	186.0	778.9	237.4	152.1	163.1	226.3	( 590.7 )	( 116.1 )	( 563.6 )	( 97.2 )	186.2
Income tax expenses	( 73.1 )	( 31.6 )	( 41.5 )	( 145.6 )	( 33.4 )	( 40.6 )	( 35.6 )	( 36.0 )	( 127.3 )	( 23.1 )	( 31.8 )	( 27.9 )	( 44.5 )	( 140.9 )	( 50.5 )	( 37.6 )	( 23.3 )	( 29.4 )	( 138.2 )	( 36.9 )	( 30.2 )	( 32.1 )	( 38.9 )	( 132.7 )	( 12.0 )	( 41.8 )	( 43.1 )	( 35.8 )	( 145.1 )	( 32.3 )	( 39.1 )	( 39.1 )	( 34.6 )	( 124.2 )	( 30.9 )	( 22.9 )	( 49.9 )	( 20.5 )	( 90.3 )	( 24.1 )	( 20.9 )	( 16.0 )	( 29.3 )	( 165.9 )	( 38.6 )	( 41.8 )	( 39.9 )	( 45.6 )	( 217.1 )	( 58.7 )	( 35.7 )	( 59.5 )	( 63.2 )	56.0	( 19.1 )	96.0	19.1	( 40.0 )
Non Controlling interests	( 77.2 )	( 35.5 )	( 41.7 )	( 145.0 )	( 47.2 )	( 49.8 )	( 21.9 )	( 26.1 )	( 119.1 )	( 41.2 )	( 31.9 )	( 26.2 )	( 19.8 )	( 148.9 )	( 51.9 )	( 35.7 )	( 28.2 )	( 33.1 )	( 140.3 )	( 34.6 )	( 21.2 )	( 33.7 )	( 50.8 )	( 154.0 )	( 35.7 )	( 35.4 )	( 35.8 )	( 47.1 )	( 134.7 )	( 30.1 )	( 35.3 )	( 34.0 )	( 35.3 )	( 117.6 )	( 34.8 )	( 15.9 )	( 33.0 )	( 33.9 )	( 142.4 )	( 29.5 )	( 34.7 )	( 43.7 )	( 34.5 )	( 130.6 )	( 35.9 )	( 32.3 )	( 30.1 )	( 32.3 )	( 131.7 )	( 41.9 )	( 28.5 )	( 23.7 )	( 37.6 )	109.6	( 1.4 )	127.6	23.9	( 40.5 )
Net result attributable to shareholders	341.0	196.0	145.0	742.4	201.3	201.1	113.0	227.0	569.6	143.6	116.3	220.6	89.1	840.7	173.6	182.0	262.2	223.0	508.0	44.8	89.9	121.4	251.9	623.0	149.7	161.3	144.1	167.9	703.6	81.1	118.4	361.0	143.1	572.7	147.1	43.6	234.5	147.5	533.1	91.4	156.4	156.6	128.7	437.7	126.4	110.0	93.2	108.1	430.1	136.8	87.9	79.9	125.5	( 425.1 )	( 136.6 )	( 340.0 )	( 54.2 )	105.7
INCOME STATEMENT - NON-LIFE	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross Written Premiums	2,469.7	1,118.8	1,350.9	4,589.1	1,077.4	1,146.6	1,067.3	1,297.8	4,297.8	972.6	1,071.7	1,002.7	1,250.8	4,218.3	983.5	1,030.9	1,006.9	1,197.0	4,067.4	930.5	992.3	979.4	1,165.2	4,304.7	1,016.7	993.8	1,059.8	1,234.4	4,342.2	1,009.6	1,055.5	1,097.5	1,179.6	4,297.5	1,006.1	1,086.0	1,053.3	1,152.1	4,103.3	958.4	1,011.1	1,001.8	1,132.0	3,971.1	942.0	971.4	973.1	1,084.7	4,361.7	1,029.7	1,055.4	1,090.0	1,186.6	4,107.4	963.0	1,021.1	1,021.6	1,101.7
Operating result	188.7	115.7	73.0	335.8	90.1	42.3	89.5	113.9	449.4	79.2	160.7	183.1	26.4	361.7	86.7	118.9	104.9	51.2	376.1	117.0	133.2	68.4	57.5	384.3	78.2	111.6	113.7	80.8	131.8	( 108.3 )	106.5	57.5	76.1	300.3	23.0	96.2	105.2	75.9	204.4	44.3	105.5	31.5	23.1	244.1	23.0	72.8	92.9	55.4	278.1	37.8	86.0	118.4	35.8	143.7	50.4	23.8	44.7	24.8
Non-allocated other income and expenses	63.1	9.7	53.4	18.1	6.2	7.6	4.3	0.0	3.8	8.2	( 0.8 )	( 7.8 )	4.2	6.9	1.6	1.6	13.0	( 9.3 )	17.5	2.9	7.9	3.5	3.2	90.2	65.9	17.5	2.5	4.3	( 8.3 )	( 23.1 )	5.5	1.8	7.5	20.5	8.2	3.1	7.1	2.1	24.2	6.3	6.1	7.4	4.4	23.4	12.1	5.0	1.0	5.3	73.0	52.2	7.7	4.0	9.2	4.2	( 6.1 )	( 7.2 )	( 3.7 )	7.3
Result before taxation consolidated entities	251.8	125.4	126.4	353.9	96.3	49.9	93.8	113.9	453.2	87.4	159.9	175.3	30.6	368.6	88.3	120.5	117.9	41.9	393.6	119.9	141.1	71.9	60.7	474.5	144.1	129.1	116.2	85.1	123.5	( 131.4 )	112.0	59.3	83.6	320.8	31.2	99.3	112.3	78.0	228.6	50.6	111.6	38.9	27.5	267.5	35.1	77.8	93.9	60.7	351.1	90.0	93.7	122.4	45.0	135.7	46.0	16.6	41.0	32.1
Result equity associates	5.1	2.5	2.6	50.5	10.8	11.8	18.0	9.9	64.2	11.8	16.1	26.7	9.6	45.2	10.8	11.4	11.6	11.4	43.2	12.7	12.9	9.0	8.6	49.0	13.5	9.7	15.3	10.5	14.3	( 21.7 )	16.6	9.2	10.2	10.6	( 8.0 )	7.8	5.4	5.4	7.8	2.3	( 4.6 )	7.2	2.9	51.6	11.9	10.7	18.1	10.9	16.4	5.5	3.7	1.8	5.4	12.2	( 1.7 )	5.3	1.2	7.4
Result before taxation	256.9	127.9	129.0	404.4	107.1	61.7	111.8	123.8	517.4	99.2	176.0	202.0	40.2	413.8	99.1	131.9	129.5	53.3	436.8	132.6	154.0	80.9	69.3	523.5	157.6	138.8	131.5	95.6	137.8	( 153.1 )	128.6	68.5	93.8	331.4	23.2	107.1	117.7	83.4	236.4	52.9	107.0	46.1	30.4	319.1	47.0	88.5	112.0	71.6	367.5	95.5	97.4	124.2	50.4	147.9	44.3	21.9	42.2	39.5
Income tax expenses	( 50.0 )	( 22.9 )	( 27.1 )	( 50.5 )	( 7.4 )	( 6.8 )	( 12.5 )	( 23.8 )	( 86.8 )	( 12.8 )	( 32.1 )	( 30.9 )	( 11.0 )	( 102.0 )	( 23.8 )	( 29.5 )	( 35.0 )	( 13.8 )	( 100.3 )	( 28.4 )	( 39.8 )	( 17.4 )	( 14.8 )	( 113.8 )	( 16.9 )	( 37.9 )	( 33.9 )	( 25.1 )	( 59.4 )	12.0	( 33.1 )	( 11.7 )	( 26.6 )	( 97.2 )	( 15.1 )	( 28.3 )	( 31.6 )	( 22.2 )	( 44.3 )	( 2.1 )	( 29.1 )	( 2.5 )	( 10.6 )	( 76.7 )	( 11.2 )	( 22.0 )	( 26.0 )	( 17.5 )	( 90.8 )	( 10.8 )	( 27.5 )	( 38.4 )	( 14.1 )	( 50.0 )	( 15.1 )	( 11.6 )	( 13.2 )	( 10.1 )
Non Controlling interests	( 27.1 )	( 18.8 )	( 8.3 )	( 26.3 )	( 7.5 )	( 0.7 )	( 9.4 )	( 8.7 )	( 40.1 )	( 6.9 )	( 14.1 )	( 13.6 )	( 5.5 )	( 49.9 )	( 15.4 )	( 16.1 )	( 13.8 )	( 4.6 )	( 47.5 )	( 16.1 )	( 15.5 )	( 8.9 )	( 7.0 )	( 72.8 )	( 16.1 )	( 21.3 )	( 19.3 )	( 16.1 )	( 60.8 )	( 22.1 )	( 18.2 )	( 10.8 )	( 9.7 )	( 51.8 )	( 13.1 )	( 13.1 )	( 14.6 )	( 11.0 )	( 37.8 )	( 8.1 )	( 15.1 )	( 6.4 )	( 8.2 )	( 38.3 )	( 6.1 )	( 11.1 )	( 12.5 )	( 8.6 )	( 54.1 )	( 5.3 )	( 16.2 )	( 22.5 )	( 10.1 )	( 15.7 )	( 4.1 )	( 1.2 )	( 5.8 )	( 4.6 )
Net result attributable to shareholders	179.8	86.0	93.8	327.7	92.2	54.3	89.8	91.4	390.5	79.4	129.9	157.3	23.9	261.9	59.8	86.3	80.8	34.9	289.0	88.2	98.7	54.6	47.5	336.9	124.6	79.6	78.3	54.4	17.6	( 163.2 )	77.3	46.0	57.5	182.4	( 5.0 )	65.7	71.5	50.2	154.3	42.7	62.8	37.2	11.6	204.1	29.7	55.4	73.5	45.5	222.6	79.4	53.7	63.3	26.2	82.2	25.1	9.1	23.2	24.8
INCOME STATEMENT - TOTAL	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross Inflow	5,267.3	2,449.6	2,817.7	10,807.6	2,755.4	2,828.9	2,520.5	2,702.8	9,494.9	2,441.8	2,341.4	2,014.4	2,697.3	10,547.3	2,566.2	2,294.2	2,521.0	3,165.9	10,062.6	2,702.7	2,288.6	2,553.6	2,517.7	10,060.6	2,617.6	2,255.4	2,555.1	2,632.5	10,610.7	2,561.7	2,384.1	2,642.9	3,022.0	10,666.5	2,769.9	2,504.8	2,499.1	2,892.7	10,399.4	2,681.9	2,398.1	2,529.7	2,789.7	10,504.9	2,701.0	2,538.8	2,637.0	2,628.2	11,054.3	2,872.2	2,477.7	2,883.6	2,820.8	11,238.5	2,813.8	2,510.8	2,747.3	3,166.7
Net result Ageas attributable to shareholders	563.4	291.6	271.8	844.8	277.0	161.1	110.8	295.9	1,140.7	147.0	246.2	377.9	113.0	979.2	101.9	271.3	354.6	251.4	809.1	153.5	214.4	193.5	247.7	623.2	263.5	76.1	173.4	110.2	27.1	( 90.7 )	185.0	566.2	( 633.3 )	770.2	171.3	129.9	227.6	241.4	475.6	193.7	251.1	0.7	30.1	569.5	56.7	41.1	178.6	293.0	743.0	224.6	213.7	388.5	( 83.8 )	( 578.2 )	( 44.5 )	( 474.8 )	94.8	( 153.6 )
KEY PERFORMANCE INDICATORS	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Life
Gross Inflow	2,798.0	1,331.2	1,466.8	6,218.4	1,678.0	1,682.3	1,453.1	1,405.0	5,197.5	1,470.0	1,261.3	1,019.7	1,446.5	6,329.0	1,582.7	1,263.3	1,514.1	1,968.9	5,995.3	1,772.3	1,296.3	1,574.2	1,352.5	5,755.9	1,600.9	1,261.0	1,495.9	1,398.1	6,268.5	1,551.8	1,328.9	1,545.4	1,842.4	6,369.2	1,764.0	1,418.8	1,445.8	1,740.6	6,296.1	1,723.4	1,387.1	1,528.0	1,657.6	6,533.8	1,759.0	1,567.4	1,663.9	1,543.5	6,692.6	1,842.5	1,422.3	1,793.6	1,634.2	7,131.1	1,850.9	1,489.7	1,725.6	2,065.0
Individual Single	1,580.8	713.2	867.6	3,694.4	949.5	1,099.0	869.6	776.3	2,758.2	743.8	722.6	438.3	853.5	3,910.0	891.8	723.2	931.2	1,363.8	3,704.2	1,110.6	761.9	1,014.2	817.5	3,540.6	987.7	777.0	976.3	799.6	3,885.7	953.5	852.3	965.3	1,114.6	3,662.2	1,035.9	822.0	808.7	995.6	3,668.5	990.1	775.6	914.8	988.0	3,919.8	1,073.0	974.7	1,012.7	859.4	4,057.3	1,119.9	800.0	1,174.1	963.2	4,587.2	1,150.1	906.9	1,122.1	1,408.1
Individual Regular	448.7	208.9	239.8	1,044.2	330.8	234.0	226.0	253.4	1,019.1	321.3	218.7	231.6	247.5	1,008.7	309.6	205.8	235.1	258.2	957.2	286.5	205.2	239.5	226.0	939.2	291.2	198.1	215.1	234.8	1,118.1	291.8	197.1	278.4	350.8	1,413.9	427.1	317.1	335.1	334.6	1,428.3	432.6	336.4	327.3	332.0	1,371.1	400.8	313.8	351.5	305.0	1,430.3	424.3	331.1	342.4	332.5	1,399.8	414.5	318.0	327.2	340.1
Group Single	194.8	118.9	75.9	395.2	105.2	95.4	125.1	69.5	368.1	102.1	91.7	108.6	65.7	405.1	114.2	100.1	114.6	76.2	348.9	106.0	89.1	93.8	60.0	378.1	85.3	70.9	102.7	119.2	372.4	70.6	53.1	102.3	146.4	433.6	94.6	68.5	104.1	166.4	366.0	90.3	66.7	107.9	101.1	403.8	80.4	71.5	111.6	140.3	358.7	92.3	85.8	102.2	78.4	337.7	108.1	71.2	85.6	72.8
Group Regular	541.2	274.1	267.1	992.1	246.6	239.4	213.0	293.1	1,053.2	288.8	243.5	241.2	279.7	1,005.2	267.1	234.2	233.3	270.6	984.9	269.1	240.1	226.7	249.0	898.0	236.7	215.0	201.8	244.5	892.3	235.9	226.4	199.4	230.6	859.5	206.4	211.2	197.9	244.0	833.3	210.4	208.4	178.0	236.5	839.1	204.8	207.4	188.1	238.8	846.3	206.0	205.4	174.9	260.1	806.5	178.2	193.6	190.7	244.0
Gross Inflow	2,798.0	1,331.2	1,466.8	6,218.4	1,678.0	1,682.3	1,453.1	1,405.0	5,197.5	1,470.0	1,261.3	1,019.7	1,446.5	6,329.0	1,582.7	1,263.3	1,514.1	1,968.9	5,995.3	1,772.3	1,296.3	1,574.2	1,352.5	5,755.9	1,600.9	1,261.0	1,495.9	1,398.1	6,268.5	1,551.8	1,328.9	1,545.4	1,842.4	6,369.2	1,764.0	1,418.8	1,445.8	1,740.6	6,296.1	1,723.4	1,387.1	1,528.0	1,657.6	6,533.8	1,759.0	1,567.4	1,663.9	1,543.5	6,692.6	1,842.5	1,422.3	1,793.6	1,634.2	7,131.1	1,850.9	1,489.7	1,725.6	2,065.0
Guaranteed	1,914.9	921.0	993.9	3,951.3	1,085.6	980.6	892.8	992.3	3,864.2	1,126.9	820.9	837.8	1,078.6	4,938.1	1,242.2	1,032.9	1,251.9	1,411.1	4,566.0	1,499.0	992.4	1,048.0	1,026.6	3,885.0	1,146.1	869.7	896.4	972.8	4,897.5	1,217.9	1,020.2	1,166.7	1,492.7	5,011.6	1,411.9	1,051.4	1,151.7	1,396.6	5,089.7	1,446.8	1,169.5	1,243.7	1,229.7	4,826.9	1,331.7	1,157.6	1,152.5	1,185.1	5,542.1	1,481.0	1,117.8	1,483.2	1,460.1	5,244.4	1,427.9	1,136.4	1,192.9	1,487.3
Unit-Linked	898.5	418.2	480.3	2,311.4	603.7	713.7	567.7	426.3	1,349.2	343.9	455.6	181.9	367.8	1,390.9	340.5	230.4	262.2	557.8	1,429.3	273.3	303.9	526.2	325.9	1,870.9	454.8	391.3	599.5	425.3	1,371.0	333.9	308.7	378.7	349.7	1,357.6	352.1	367.4	294.1	344.0	1,206.4	276.6	217.6	284.3	427.9	1,706.9	427.3	409.8	511.4	358.4	1,150.5	361.5	304.5	310.4	174.1	1,886.7	423.0	353.3	532.7	577.7
Operating result	296.2	126.7	169.5	608.8	164.1	174.9	127.0	142.8	560.0	187.6	136.3	145.7	90.4	543.7	167.9	134.2	111.2	130.4	533.0	113.0	91.5	125.2	203.3	560.6	87.1	136.7	151.4	185.4	561.6	125.0	112.4	166.0	158.2	565.7	183.4	96.6	141.7	144.0	528.6	92.9	142.7	150.5	142.5	565.7	161.3	134.8	140.5	129.1	589.8	193.1	120.4	106.5	169.8	( 330.7 )	79.0	( 487.2 )	( 52.8 )	130.3
Guaranteed	258.0	109.1	148.9	538.6	143.5	159.2	109.5	126.4	510.6	172.6	124.3	134.3	79.4	499.6	154.8	121.1	100.4	123.3	494.1	104.8	83.1	115.5	190.7	519.3	75.2	126.0	144.7	173.4	531.9	114.1	110.0	157.6	150.2	518.7	172.1	87.6	127.9	131.1	503.9	87.5	135.8	144.1	136.5	531.2	170.0	117.5	129.0	114.7	532.9	184.8	103.4	94.2	150.5	( 386.7 )	64.4	( 495.7 )	( 69.1 )	113.7
Unit-Linked	38.2	17.7	20.5	69.9	20.4	15.6	17.6	16.3	49.4	15.0	12.0	11.4	11.0	44.1	13.1	13.0	10.9	7.1	38.9	8.2	8.4	9.7	12.6	41.3	11.9	10.7	6.7	12.0	29.7	10.9	2.4	8.4	8.0	47.0	11.3	9.0	13.8	12.9	24.7	5.4	6.9	6.4	6.0	34.5	( 8.7 )	17.3	11.5	14.4	56.9	8.3	17.0	12.3	19.3	56.0	14.6	8.5	16.3	16.6
0.0	0.0	0.0	0.0
Net underwriting result	( 5.8 )	( 15.9 )	10.1	67.5	34.8	12.0	5.2	15.5	79.5	1.6	7.6	12.9	57.4	( 11.5 )	26.9	( 4.0 )	( 32.6 )	( 1.8 )	35.4	6.8	12.6	7.0	9.0	23.3	( 7.8 )	20.3	4.6	6.2	57.9	18.7	3.5	16.7	19.0	100.9	26.9	28.0	17.9	28.1	15.0	( 26.3 )	7.0	8.2	26.1	106.4	30.9	22.2	32.0	21.3	117.6	16.1	36.3	30.8	34.4	80.5	13.0	19.4	11.7	36.5
Guaranteed	( 42.1 )	( 32.6 )	( 9.5 )	3.3	15.3	( 2.7 )	( 9.5 )	0.2	27.4	( 13.3 )	( 5.6 )	1.4	44.9	( 56.1 )	13.5	( 17.1 )	( 43.2 )	( 9.3 )	( 4.5 )	( 2.6 )	5.0	( 2.9 )	( 4.0 )	( 17.7 )	( 19.2 )	8.4	( 1.5 )	( 5.4 )	30.2	8.0	1.4	8.3	12.5	56.0	16.2	19.2	4.7	15.9	( 8.1 )	( 31.1 )	1.3	1.7	20.0	69.0	36.4	5.1	20.6	6.9	61.3	8.0	19.4	18.5	15.4	24.5	( 1.6 )	11.0	( 5.2 )	20.4
Unit-Linked	36.4	16.7	19.7	64.2	19.5	14.7	14.7	15.3	52.1	14.8	13.4	11.4	12.5	44.6	13.4	13.1	10.6	7.5	39.9	9.4	7.6	9.9	13.0	41.0	11.4	11.9	6.1	11.6	27.7	10.7	2.1	8.4	6.5	44.9	10.7	8.8	13.2	12.2	23.1	4.8	5.7	6.5	6.1	37.4	( 5.5 )	17.1	11.4	14.4	56.3	8.1	16.9	12.3	19.0	56.0	14.6	8.4	16.9	16.1
Underwriting result	91.6	40.8	50.8	259.5	79.5	59.2	57.6	63.2	238.6	61.9	59.0	60.9	56.8	211.6	61.9	52.2	44.1	53.4	233.1	60.9	62.7	57.1	52.4	223.6	47.7	67.2	53.9	54.8	243.1	63.4	58.5	62.0	59.2	215.2	55.9	52.7	47.5	59.1	230.2	55.0	56.1	48.9	70.2	254.8	64.3	59.6	68.4	62.5	250.7	49.3	76.0	61.1	64.1	218.5	49.8	58.6	46.8	63.3
Guaranteed	90.6	40.5	50.1	256.3	78.2	59.0	56.7	62.4	234.7	60.4	58.0	60.2	56.1	208.2	61.0	51.3	43.1	52.8	229.9	60.1	62.2	56.0	51.6	219.4	46.6	66.6	53.2	53.0	237.8	61.6	58.4	61.9	55.9	192.5	49.6	50.0	40.1	52.8	214.4	49.8	52.1	45.6	66.9	239.1	61.1	55.5	74.3	48.2	237.7	47.6	70.9	59.4	59.6	162.4	35.1	60.4	44.7	60.3
Unit-Linked	1.0	0.3	0.7	3.3	1.4	0.2	1.0	0.7	3.9	1.5	1.0	0.7	0.7	3.4	0.9	0.9	1.0	0.6	3.2	0.8	0.5	1.1	0.8	4.2	1.1	0.6	0.7	1.8	5.3	1.8	0.1	0.1	3.3	22.7	6.3	2.7	7.4	6.3	15.8	5.2	4.0	3.3	3.3	15.7	3.2	4.1	( 5.9 )	14.3	13.0	1.7	5.1	1.7	4.5	56.1	14.7	( 1.8 )	2.1	3.0
0.0
Expense & Other result	( 97.3 )	( 56.6 )	( 40.7 )	( 192.1 )	( 44.8 )	( 47.2 )	( 52.4 )	( 47.7 )	( 159.2 )	( 60.5 )	( 51.2 )	( 48.1 )	0.6	( 223.2 )	( 35.1 )	( 56.2 )	( 76.7 )	( 55.2 )	( 197.7 )	( 54.1 )	( 50.1 )	( 50.1 )	( 43.4 )	( 200.3 )	( 55.5 )	( 46.9 )	( 49.3 )	( 48.6 )	( 185.2 )	( 44.7 )	( 55.0 )	( 45.3 )	( 40.2 )	( 114.3 )	( 29.0 )	( 24.7 )	( 29.6 )	( 31.0 )	( 215.2 )	( 81.3 )	( 49.1 )	( 40.7 )	( 44.1 )	( 148.4 )	( 33.4 )	( 37.4 )	( 36.4 )	( 41.2 )	( 133.1 )	( 33.3 )	( 39.6 )	( 30.4 )	( 29.7 )	( 138.0 )	( 36.9 )	( 39.0 )	( 35.4 )	( 26.7 )
Guaranteed	( 132.7 )	( 73.1 )	( 59.6 )	( 253.0 )	( 62.9 )	( 61.7 )	( 66.2 )	( 62.2 )	( 207.4 )	( 73.8 )	( 63.6 )	( 58.8 )	( 11.2 )	( 264.3 )	( 47.4 )	( 68.4 )	( 86.5 )	( 62.0 )	( 234.4 )	( 62.7 )	( 57.2 )	( 58.9 )	( 55.6 )	( 237.1 )	( 65.8 )	( 58.2 )	( 54.7 )	( 58.4 )	( 207.6 )	( 53.6 )	( 57.0 )	( 53.6 )	( 43.4 )	( 136.5 )	( 33.4 )	( 30.8 )	( 35.3 )	( 37.0 )	( 222.5 )	( 80.9 )	( 50.8 )	( 43.9 )	( 46.9 )	( 170.1 )	( 24.9 )	( 50.2 )	( 53.7 )	( 41.3 )	( 176.5 )	( 39.9 )	( 51.5 )	( 41.0 )	( 44.2 )	( 194.1 )	( 51.6 )	( 49.3 )	( 50.1 )	( 39.8 )
Unit-Linked	35.3	16.4	18.9	60.9	18.0	14.6	13.7	14.6	48.2	13.3	12.4	10.7	11.8	41.1	12.3	12.2	9.8	6.8	36.7	8.6	7.1	8.8	12.2	36.8	10.3	11.3	5.4	9.8	22.4	8.9	2.0	8.3	3.2	22.2	4.4	6.1	5.7	6.0	7.3	( 0.4 )	1.7	3.2	2.8	21.7	( 8.5 )	12.8	17.3	0.1	43.4	6.6	11.8	10.6	14.5	56.1	14.7	10.3	14.7	13.1
0.0
Investment result	302.0	142.7	159.3	541.4	129.4	162.9	121.8	127.3	480.5	186.0	128.7	132.8	33.0	555.2	141.0	138.2	118.7	132.3	497.5	106.1	78.9	118.2	194.3	537.3	94.9	116.4	146.8	179.2	503.7	106.3	108.9	149.3	139.2	464.8	156.5	68.6	123.8	115.9	513.6	119.2	135.7	142.3	116.4	459.3	130.4	112.6	108.5	107.8	472.2	177.1	83.9	75.7	135.4	( 411.2 )	66.1	( 506.7 )	( 64.4 )	93.7
Guaranteed	302.3	142.7	159.6	540.1	129.8	163.0	120.0	127.3	483.2	185.8	130.1	132.7	34.6	555.6	141.1	138.3	118.5	132.7	498.5	107.2	78.2	118.4	194.7	537.0	94.4	117.6	146.2	178.8	501.7	106.1	108.6	149.3	137.7	462.7	155.9	68.4	123.2	115.2	512.0	118.6	134.5	142.4	116.5	462.2	133.6	112.4	108.4	107.8	471.6	176.9	83.8	75.7	135.1	( 411.2 )	66.1	( 506.7 )	( 64.0 )	93.3
Unit-Linked	( 0.3 )	0.0	( 0.3 )	1.3	( 0.4 )	( 0.1 )	1.8	0.0	( 2.7 )	0.2	( 1.4 )	0.1	( 1.6 )	( 0.4 )	( 0.1 )	( 0.1 )	0.2	( 0.4 )	( 1.0 )	( 1.1 )	0.7	( 0.2 )	( 0.4 )	0.3	0.5	( 1.2 )	0.6	0.4	2.0	0.2	0.3	0.0	1.5	2.1	0.6	0.2	0.6	0.7	1.6	0.6	1.2	( 0.1 )	( 0.1 )	( 2.9 )	( 3.2 )	0.2	0.1	0.0	0.6	0.2	0.1	0.3	0.0	0.0	0.0	( 0.4 )	0.4
Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	0.80%	0.69%	0.45%	0.82%	0.88%	0.94%	0.68%	0.77%	0.76%	1.02%	0.75%	0.81%	0.50%	0.75%	0.92%	0.74%	0.61%	0.72%	0.74%	0.63%	0.51%	0.70%	1.14%	0.79%	0.49%	0.77%	0.86%	1.05%	0.81%	0.72%	0.65%	0.96%	0.89%	0.80%	1.03%	0.55%	0.80%	0.81%	0.76%	0.53%	0.82%	0.87%	0.83%	0.83%	0.95%	0.80%	0.83%	0.76%	0.90%	1.17%	0.74%	0.66%	1.05%	(0.51%)	0.49%	(3.01%)	(0.33%)	0.72%
Net underwriting margin	(0.02%)	(0.09%)	0.05%	0.09%	0.19%	0.06%	0.03%	0.08%	0.11%	0.01%	0.04%	0.07%	0.31%	(0.02%)	0.15%	(0.02%)	(0.18%)	(0.01%)	0.05%	0.04%	0.07%	0.04%	0.05%	0.03%	(0.04%)	0.11%	0.03%	0.04%	0.08%	0.11%	0.02%	0.10%	0.11%	0.14%	0.15%	0.16%	0.10%	0.16%	0.02%	(0.15%)	0.04%	0.05%	0.15%	0.16%	0.18%	0.13%	0.19%	0.13%	0.18%	0.10%	0.18%	0.19%	0.23%	0.12%	0.08%	0.12%	0.07%	0.20%
Underwriting margin	0.25%	0.22%	0.27%	0.35%	0.42%	0.32%	0.31%	0.34%	0.32%	0.34%	0.32%	0.34%	0.31%	0.29%	0.34%	0.29%	0.24%	0.30%	0.33%	0.34%	0.35%	0.32%	0.29%	0.31%	0.27%	0.38%	0.30%	0.31%	0.35%	0.37%	0.34%	0.36%	0.33%	0.30%	0.31%	0.30%	0.27%	0.33%	0.33%	0.32%	0.32%	0.28%	0.41%	0.38%	0.38%	0.35%	0.41%	0.37%	0.38%	0.30%	0.38%	0.38%	0.44%	0.34%	0.31%	0.36%	0.29%	0.35%
Expense & other margin	(0.26%)	(0.31%)	(0.22%)	(0.26%)	(0.24%)	(0.25%)	(0.28%)	(0.26%)	(0.22%)	(0.33%)	(0.28%)	(0.27%)	(0.31%)	(0.19%)	(0.31%)	(0.42%)	(0.31%)	(0.28%)	(0.30%)	(0.28%)	(0.28%)	(0.24%)	(0.28%)	(0.31%)	(0.26%)	(0.28%)	(0.27%)	(0.27%)	(0.26%)	(0.32%)	(0.26%)	(0.22%)	(0.16%)	(0.16%)	(0.14%)	(0.17%)	(0.17%)	(0.31%)	(0.47%)	(0.28%)	(0.23%)	(0.26%)	(0.22%)	(0.20%)	(0.22%)	(0.22%)	(0.24%)	(0.20%)	(0.20%)	0.20%	(0.19%)	(0.21%)	(0.21%)	(0.23%)	(0.24%)	(0.22%)	(0.15%)
Investment margin	0.81%	0.77%	0.85%	0.73%	0.69%	0.88%	0.66%	0.69%	0.65%	1.02%	0.71%	0.73%	0.19%	0.77%	0.77%	0.76%	0.79%	0.73%	0.69%	0.59%	0.44%	0.66%	1.09%	0.76%	0.53%	0.66%	0.83%	1.01%	0.73%	0.61%	0.63%	0.86%	0.78%	0.66%	0.88%	0.39%	0.70%	0.65%	0.74%	0.69%	0.78%	0.82%	0.68%	0.68%	0.77%	0.67%	0.65%	0.64%	0.72%	1.08%	0.56%	0.47%	0.81%	(0.64%)	0.41%	(3.13%)	(0.40%)	0.52%

Guaranteed Margins
Operating Margin	0.95%	0.80%	0.55%	0.99%	1.05%	1.17%	0.80%	0.92%	0.90%	1.22%	0.88%	0.94%	0.56%	0.88%	1.09%	0.86%	0.71%	0.88%	0.88%	0.75%	0.60%	0.83%	1.37%	0.93%	0.54%	0.90%	1.03%	1.24%	0.93%	0.80%	0.77%	1.10%	1.03%	0.90%	1.19%	0.61%	0.89%	0.91%	0.89%	0.62%	0.96%	1.02%	0.98%	0.96%	1.23%	0.85%	0.93%	0.83%	0.99%	1.37%	0.77%	0.71%	1.13%	(0.74%)	0.49%	(3.80%)	(0.53%)	0.87%
Net underwriting margin	(0.15%)	(0.24%)	(0.07%)	0.01%	0.11%	(0.02%)	(0.07%)	0.05%	(0.09%)	(0.04%)	0.01%	0.31%	(0.10%)	0.10%	(0.12%)	(0.31%)	(0.07%)	(0.01%)	(0.02%)	0.04%	(0.02%)	(0.03%)	(0.03%)	(0.14%)	0.06%	(0.01%)	(0.04%)	0.05%	0.06%	0.01%	0.05%	0.09%	0.10%	0.11%	0.13%	0.03%	0.11%	(0.01%)	(0.22%)	0.01%	0.01%	0.15%	0.12%	0.26%	0.04%	0.15%	0.05%	0.11%	0.06%	0.09%	0.14%	0.14%	0.05%	(0.01%)	0.09%	(0.04%)	0.16%
Underwriting margin	0.33%	0.30%	0.37%	0.47%	0.57%	0.43%	0.41%	0.46%	0.41%	0.43%	0.41%	0.42%	0.39%	0.37%	0.43%	0.36%	0.31%	0.38%	0.41%	0.43%	0.45%	0.40%	0.37%	0.39%	0.33%	0.48%	0.38%	0.38%	0.41%	0.43%	0.41%	0.43%	0.38%	0.33%	0.34%	0.35%	0.28%	0.37%	0.38%	0.35%	0.37%	0.32%	0.48%	0.43%	0.44%	0.40%	0.47%	0.42%	0.44%	0.35%	0.43%	0.44%	0.50%	0.41%	0.37%	0.47%	0.35%	0.46%
Expense & other margin	(0.49%)	(0.54%)	(0.44%)	(0.46%)	(0.46%)	(0.45%)	(0.48%)	(0.45%)	(0.36%)	(0.52%)	(0.45%)	(0.41%)	(0.08%)	(0.47%)	(0.33%)	(0.48%)	(0.61%)	(0.45%)	(0.42%)	(0.45%)	(0.41%)	(0.42%)	(0.40%)	(0.42%)	(0.47%)	(0.42%)	(0.39%)	(0.42%)	(0.36%)	(0.37%)	(0.40%)	(0.38%)	(0.29%)	(0.23%)	(0.23%)	(0.20%)	(0.25%)	(0.26%)	(0.39%)	(0.57%)	(0.36%)	(0.31%)	(0.33%)	(0.31%)	(0.18%)	(0.36%)	(0.32%)	(0.37%)	(0.33%)	(0.30%)	(0.34%)	(0.31%)	(0.36%)	(0.36%)	(0.38%)	(0.38%)	(0.39%)	(0.31%)
Investment margin	1.10%	1.04%	1.16%	0.98%	0.94%	1.19%	0.87%	0.92%	0.85%	1.32%	0.92%	0.93%	0.24%	0.98%	0.99%	0.98%	1.02%	0.95%	0.89%	0.77%	0.56%	0.85%	1.40%	0.96%	0.67%	0.84%	1.04%	1.28%	0.88%	0.74%	0.76%	1.05%	0.94%	0.80%	1.08%	0.48%	0.85%	0.80%	0.90%	0.83%	0.95%	1.01%	0.83%	0.83%	0.96%	0.81%	0.79%	0.78%	0.87%	1.31%	0.68%	0.57%	0.99%	(0.79%)	0.51%	(3.89%)	(0.49%)	0.71%

Unit Linked Margins
Operating Margin	0.39%	0.37%	0.20%	0.35%	0.40%	0.31%	0.36%	0.34%	0.29%	0.36%	0.30%	0.30%	0.28%	0.28%	0.32%	0.33%	0.27%	0.18%	0.25%	0.21%	0.21%	0.24%	0.32%	0.27%	0.32%	0.28%	0.18%	0.33%	0.25%	0.36%	0.08%	0.28%	0.25%	0.36%	0.35%	0.28%	0.42%	0.39%	0.20%	0.17%	0.22%	0.20%	0.19%	0.28%	(0.28%)	0.56%	0.38%	0.47%	0.48%	0.28%	0.58%	0.43%	0.67%	0.45%	0.47%	0.27%	0.51%	0.33%
Net underwriting margin	0.37%	0.35%	0.39%	0.32%	0.38%	0.30%	0.30%	0.32%	0.31%	0.35%	0.33%	0.29%	0.32%	0.28%	0.32%	0.33%	0.26%	0.18%	0.25%	0.24%	0.19%	0.25%	0.33%	0.27%	0.30%	0.32%	0.16%	0.32%	0.23%	0.36%	0.07%	0.28%	0.20%	0.35%	0.33%	0.27%	0.40%	0.37%	0.18%	0.15%	0.18%	0.21%	0.19%	0.30%	(0.18%)	0.55%	0.38%	0.47%	0.48%	0.28%	0.58%	0.43%	0.66%	0.45%	0.48%	0.27%	0.52%	0.32%
Underwriting margin	0.01%	0.01%	0.01%	0.02%	0.03%	0.02%	0.02%	0.02%	0.04%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.01%	0.02%	0.02%	0.01%	0.03%	0.02%	0.03%	0.03%	0.02%	0.02%	0.05%	0.04%	0.06%	0.10%	0.17%	0.19%	0.08%	0.23%	0.19%	0.12%	0.16%	0.13%	0.10%	0.10%	0.13%	0.10%	0.14%	0.13%	0.15%	0.11%	0.06%	0.15%	0.06%	0.17%	0.04%	0.06%	(0.07%)	0.05%	0.06%
Expense & other margin	0.36%	0.34%	0.37%	0.31%	0.35%	0.29%	0.28%	0.31%	0.29%	0.32%	0.31%	0.28%	0.30%	0.26%	0.30%	0.31%	0.24%	0.17%	0.23%	0.22%	0.18%	0.22%	0.31%	0.24%	0.27%	0.30%	0.14%	0.27%	0.19%	0.30%	0.07%	0.28%	0.10%	0.18%	0.14%	0.19%	0.17%	0.18%	0.06%	(0.01%)	0.05%	0.11%	0.09%	0.18%	(0.28%)	0.42%	0.25%	0.32%	0.37%	0.22%	0.43%	0.37%	0.49%	0.42%	0.41%	0.33%	0.46%	0.26%
Investment margin	0.02%	0.02%	0.02%	0.03%	0.02%	0.02%	0.06%	0.02%	(0.02%)	(0.03%)	(0.04%)	(0.03%)	0.02%	(0.01%)	(0.01%)	0.02%	(0.04%)	0.02%	0.01%	0.02%	0.01%	0.05%	0.01%	0.02%	0.01%	0.02%	0.02%	0.02%	0.02%	0.04%	(0.01%)	(0.02%)	(0.10%)	0.01%	0.01%	0.01%	0.01%	(0.01%)	0.01%
Non-Life
Gross written premiums	2,469.7	1,118.8	1,350.9	4,589.1	1,077.4	1,146.6	1,067.3	1,297.8	4,297.8	972.6	1,071.7	1,002.7	1,250.8	4,218.5	983.7	1,030.9	1,006.9	1,197.0	4,067.4	930.4	992.4	979.4	1,165.2	4,304.7	1,016.7	993.8	1,059.8	1,234.4	4,342.2	1,009.6	1,055.5	1,097.5	1,179.6	4,297.5	1,006.1	1,086.0	1,053.3	1,152.1	4,103.3	958.4	1,011.1	1,001.8	1,132.0	3,971.1	942.0	971.4	973.0	1,084.7	4,361.7	1,029.8	1,055.4	1,090.0	1,186.6	4,107.4	962.9	1,021.2	1,021.6	1,101.7
Accident & Health	614.2	257.0	357.2	1,093.5	241.0	264.3	234.2	354.0	969.1	206.4	217.9	203.9	340.9	979.8	225.3	228.8	257.3	268.4	903.1	203.8	208.3	198.1	292.9	911.6	225.7	192.8	205.3	287.8	867.0	212.1	199.8	198.5	256.6	843.7	196.1	199.3	190.7	257.6	854.1	210.4	189.1	195.8	258.8	854.1	214.3	195.5	190.3	254.1	789.8	189.0	178.2	178.3	244.3	782.3	184.9	173.8	177.7	245.9
Motor	902.3	434.3	468.0	1,747.4	406.9	451.8	424.4	464.3	1,743.4	395.4	455.2	431.3	461.5	1,751.2	393.3	445.5	999.3	( 86.9 )	1,713.8	390.0	432.8	436.9	454.1	1,837.9	414.2	439.0	480.8	503.9	1,864.8	421.3	461.0	501.1	481.4	1,839.0	422.0	491.0	473.3	452.7	1,690.7	371.9	435.4	438.0	445.4	1,626.0	358.5	403.4	434.0	430.1	2,082.9	460.3	515.1	560.1	547.4	1,919.1	445.3	501.0	506.2	466.6
Household	669.7	298.0	371.7	1,256.5	312.6	306.0	286.6	351.3	1,174.6	278.2	292.3	276.4	327.7	1,114.5	282.3	268.7	255.1	308.4	1,070.7	254.7	259.8	250.6	305.6	1,135.5	278.2	269.4	270.4	317.5	1,145.6	272.7	282.4	276.8	313.7	1,139.0	277.2	280.5	267.1	314.2	1,110.7	268.2	273.8	261.6	307.1	1,078.4	265.5	270.0	250.2	292.6	1,087.4	273.6	269.7	254.2	289.9	1,046.2	246.3	261.2	249.5	289.2
Other	283.5	129.5	154.0	491.7	116.9	124.5	122.1	128.2	410.7	92.6	106.3	91.1	120.7	373.0	82.8	87.9	( 504.8 )	707.1	379.8	82.1	91.3	93.7	112.7	419.7	98.5	92.8	103.2	125.2	464.8	103.5	112.7	120.7	127.9	475.8	110.8	115.4	122.0	127.6	447.8	107.9	112.8	106.4	120.7	412.6	103.7	102.5	98.5	107.9	401.6	106.9	92.4	97.4	105.0	359.8	86.4	85.2	88.1	100.1
Operating Result	188.7	115.7	73.0	335.8	90.1	42.3	89.5	113.9	449.4	79.2	160.7	183.1	26.4	361.7	86.7	118.9	104.9	51.2	376.1	117.0	133.2	68.4	57.5	384.3	78.2	111.6	113.7	80.8	131.8	( 108.3 )	106.5	57.5	76.1	300.3	23.0	96.2	105.2	75.9	204.4	44.3	105.5	31.5	23.1	244.1	23.0	72.8	92.9	55.4	278.1	37.8	86.1	118.4	35.8	143.7	50.4	23.8	44.7	24.8
Accident & Health	40.7	15.8	24.9	84.0	18.6	36.4	15.2	13.8	82.2	16.8	33.7	19.3	12.4	68.3	14.7	25.3	15.2	13.1	89.2	33.2	36.7	3.7	15.6	102.8	38.6	23.8	23.2	17.2	76.8	25.6	31.1	7.7	12.4	83.8	17.1	24.4	18.7	23.6	89.8	16.7	31.3	25.0	16.8	78.8	15.5	16.5	24.6	22.2	79.4	8.8	19.0	25.3	26.3	41.8	11.3	2.4	6.9	21.2
Motor	76.4	30.3	46.1	263.6	98.3	44.0	49.1	72.2	228.2	16.3	70.8	115.1	26.0	92.4	( 2.3 )	27.9	19.1	47.7	172.2	28.8	40.5	47.0	55.9	87.0	( 7.4 )	25.5	27.2	41.7	( 58.5 )	( 155.0 )	17.7	32.8	46.0	92.5	24.8	27.8	24.6	15.3	99.4	22.5	41.4	13.3	22.2	96.0	31.9	27.2	19.2	17.7	150.0	15.2	39.6	58.4	36.8	124.0	39.5	39.5	22.1	22.9
Household	34.0	46.4	( 12.4 )	( 111.1 )	( 60.4 )	( 73.3 )	3.5	19.1	95.9	41.3	38.0	50.3	( 33.7 )	116.5	49.6	23.4	57.1	( 13.6 )	56.2	41.2	40.9	2.1	( 28.0 )	142.6	25.4	48.8	52.2	16.2	97.3	36.9	43.1	0.8	16.5	109.0	2.7	32.0	53.4	20.9	65.5	24.9	30.7	15.8	( 5.9 )	68.4	( 15.3 )	32.6	39.7	11.3	57.5	25.9	30.7	28.2	( 27.2 )	( 7.9 )	16.1	( 12.6 )	19.4	( 30.8 )
Other	37.6	23.3	14.3	99.4	33.6	35.3	21.7	8.8	43.1	4.8	18.3	( 1.8 )	21.8	84.5	24.7	42.3	13.5	4.0	58.5	13.9	15.0	15.6	14.0	51.9	21.6	13.5	11.1	5.7	16.2	( 15.8 )	14.6	16.2	1.2	15.0	( 21.6 )	12.0	8.5	16.1	( 50.3 )	( 19.8 )	2.1	( 22.6 )	( 10.0 )	0.9	( 9.3 )	( 3.4 )	9.4	4.2	( 8.8 )	( 12.0 )	( 3.2 )	6.5	( 0.1 )	( 14.2 )	( 16.6 )	( 5.4 )	( 3.7 )	11.5
Net underwriting Result	108.0	73.7	34.4	192.3	42.3	7.0	59.3	83.6	340.1	49.2	130.9	156.6	3.4	195.5	42.4	70.9	66.4	16.5	221.5	76.6	101.1	32.1	11.6	198.3	42.1	72.3	67.0	16.9	( 45.3 )	( 136.8 )	70.8	( 0.5 )	21.2	126.2	( 21.2 )	55.3	58.8	33.3	14.7	1.9	50.8	( 13.6 )	( 24.4 )	62.7	( 21.9 )	25.2	49.2	10.2	39.5	( 25.5 )	29.8	54.5	( 19.2 )	( 3.0 )	1.0	( 3.1 )	10.6	( 11.5 )
Accident & Health	16.6	1.8	14.8	48.7	4.5	27.8	8.8	7.6	66.4	12.5	27.0	14.6	12.3	34.1	4.2	16.2	5.8	7.9	62.4	25.4	33.2	( 3.4 )	7.2	67.7	30.5	17.9	11.5	7.8	44.4	24.9	25.4	( 9.8 )	3.9	51.2	9.7	17.6	7.9	16.0	46.5	7.3	17.7	15.3	6.2	35.4	3.4	6.1	13.6	12.3	30.2	( 4.2 )	9.9	6.7	17.8	22.8	1.8	4.7	1.0	15.3
Motor	47.1	15.6	31.5	201.7	78.4	28.8	34.5	60.0	170.2	0.8	57.3	103.3	8.8	10.3	( 22.3 )	4.7	0.5	27.4	94.4	8.4	23.5	29.9	32.6	( 4.8 )	( 24.4 )	4.7	7.1	7.8	( 142.2 )	( 171.3 )	2.7	8.7	17.7	6.9	2.4	6.9	3.3	( 5.7 )	11.7	3.3	17.1	( 8.6 )	( 0.1 )	14.5	14.3	4.0	( 0.3 )	( 3.5 )	21.0	( 20.1 )	6.2	29.6	5.3	41.8	13.4	19.2	4.6	4.6
Household	21.0	38.8	( 17.8 )	( 131.1 )	( 66.3 )	( 78.8 )	( 0.7 )	14.7	76.1	36.5	32.1	45.2	( 37.7 )	91.4	42.7	16.0	52.2	( 19.5 )	35.2	36.0	35.6	( 2.9 )	( 33.5 )	119.4	21.5	43.8	46.2	7.9	72.5	32.6	36.1	( 5.5 )	9.3	86.5	( 2.9 )	26.8	47.5	15.1	40.5	19.1	23.6	9.9	( 12.1 )	43.9	( 21.6 )	26.3	34.0	5.2	27.9	18.7	23.8	20.2	( 34.8 )	( 30.6 )	9.2	( 17.1 )	14.2	( 36.9 )
Other	23.3	17.4	5.9	73.0	25.6	29.5	16.7	1.3	27.4	( 0.5 )	12.9	( 6.4 )	20.0	59.7	17.7	33.9	7.9	0.7	29.5	6.8	8.8	8.5	5.3	16.0	14.5	5.9	2.2	( 6.6 )	( 20.0 )	( 23.0 )	6.7	6.0	( 9.7 )	( 18.4 )	( 30.4 )	4.0	0.1	7.9	( 84.0 )	( 27.8 )	( 7.6 )	( 30.2 )	( 18.4 )	( 31.0 )	( 17.9 )	( 11.2 )	1.9	( 3.8 )	( 39.6 )	( 20.0 )	( 10.1 )	( 2.0 )	( 7.5 )	( 37.0 )	( 23.4 )	( 9.7 )	( 9.3 )	5.4
Investment Result	81.4	41.2	40.2	142.7	46.7	35.4	27.4	33.2	109.9	30.0	30.5	25.8	23.6	152.3	39.4	46.7	32.4	33.8	151.7	35.6	31.9	36.4	47.8	185.5	38.0	36.2	43.7	67.6	191.6	37.7	41.8	54.7	57.4	173.7	43.9	40.5	45.1	44.2	185.4	42.7	52.9	43.3	46.5	175.9	48.0	43.7	41.9	42.3	208.2	55.1	49.1	54.6	49.4	133.0	44.0	22.4	31.5	35.1
Accident & Health	24.9	13.0	11.9	35.4	13.9	8.8	4.1	8.6	15.5	4.0	5.9	4.3	1.3	31.7	9.6	9.5	7.0	5.6	25.3	5.8	3.8	6.0	9.7	31.7	6.4	5.7	8.6	11.0	38.8	6.2	8.2	13.5	10.9	32.4	7.3	6.4	9.7	9.0	43.2	9.0	13.8	9.2	11.2	43.3	12.7	9.7	10.3	10.6	48.0	12.4	9.1	16.6	9.9	23.8	10.6	( 1.1 )	6.3	8.0
Motor	29.2	14.6	14.6	61.0	19.1	15.2	13.9	12.8	57.5	15.8	13.6	12.1	16.0	72.9	17.3	21.7	14.9	19.0	76.4	17.9	17.4	18.3	22.8	93.9	19.5	18.2	20.5	35.7	90.7	19.0	19.7	23.7	28.3	85.5	22.4	20.8	21.3	21.0	84.4	20.2	22.7	20.6	20.9	78.4	21.1	20.2	18.7	18.4	101.7	28.2	26.8	22.0	24.8	65.4	20.1	15.0	14.6	15.7
Household	13.0	7.5	5.5	20.0	5.7	5.7	4.2	4.4	19.6	4.8	5.7	4.7	4.4	23.4	5.7	7.5	4.3	5.9	20.6	4.8	4.3	5.1	6.4	24.3	4.9	4.9	5.7	8.8	25.6	5.2	5.9	7.2	7.3	22.6	5.7	5.2	5.8	5.9	24.8	5.7	7.0	5.8	6.3	23.4	6.2	6.1	5.5	5.6	28.3	6.8	6.5	7.6	7.4	21.9	6.8	4.1	5.2	5.8
Other	14.3	6.1	8.2	26.3	7.9	5.8	5.2	7.4	17.3	5.3	5.5	4.6	1.9	24.4	6.9	8.0	6.2	3.3	29.4	7.1	6.4	7.0	8.9	35.6	7.2	7.4	8.9	12.1	36.5	7.3	8.0	10.3	10.9	33.2	8.5	8.1	8.3	8.3	33.0	7.8	9.4	7.7	8.1	30.8	8.0	7.7	7.4	7.7	30.2	7.8	6.7	8.4	7.3	21.9	6.6	4.3	5.3	5.7
Other Result	( 0.7 )	0.9	( 1.6 )	0.9	1.2	( 0.2 )	2.9	( 3.0 )	( 0.6 )	0.1	( 0.7 )	0.6	( 0.6 )	14.0	5.0	1.3	6.7	1.0	2.9	4.9	0.1	( 0.1 )	( 1.9 )	0.5	( 1.9 )	3.1	3.0	( 3.7 )	( 14.5 )	( 9.2 )	( 6.1 )	3.3	( 2.5 )	0.4	0.3	0.4	1.3	( 1.6 )	4.3	( 0.3 )	1.8	1.8	1.0	5.4	( 3.3 )	4.0	1.8	2.9	30.4	8.2	7.2	9.3	5.6	13.7	5.3	4.6	2.5	1.3
Accident & Health	( 0.5 )	0.9	( 1.4 )	0.0	0.2	( 0.1 )	2.2	( 2.3 )	0.1	0.3	0.6	0.5	( 1.3 )	2.6	1.0	( 0.3 )	2.1	( 0.2 )	1.5	2.0	( 0.3 )	1.1	( 1.3 )	3.4	1.7	0.2	3.1	( 1.6 )	( 6.4 )	( 5.5 )	( 2.4 )	3.9	( 2.4 )	0.2	0.1	0.4	1.1	( 1.4 )	0.1	0.4	( 0.2 )	0.5	( 0.6 )	0.1	( 0.6 )	0.7	0.7	( 0.7 )	1.2	0.5	2.1	( 1.5 )	( 4.8 )	( 1.1 )	( 1.1 )	( 0.5 )	( 2.1 )
Motor	0.0	0.0	0.0	0.8	0.8	( 0.1 )	0.8	( 0.7 )	( 0.6 )	( 0.2 )	( 1.3 )	( 0.3 )	1.2	9.3	2.8	1.4	3.9	1.2	1.4	2.5	( 0.3 )	( 1.2 )	0.5	( 2.1 )	( 2.5 )	2.6	( 0.4 )	( 1.8 )	( 7.0 )	( 2.7 )	( 4.7 )	0.4	0.0	0.1	0.1	0.0	0.0	0.0	3.3	( 1.0 )	1.6	1.3	1.4	3.1	( 3.5 )	3.0	0.8	2.8	27.3	7.1	6.6	6.8	6.7	16.8	6.0	5.3	2.9	2.6
Household	0.0	0.2	( 0.2 )	0.1	0.1	0.0	0.0	0.0	0.0	0.0	( 0.1 )	0.5	( 0.4 )	1.8	1.3	( 0.1 )	0.7	( 0.1 )	0.4	0.5	0.9	( 0.1 )	( 0.9 )	( 1.1 )	( 1.0 )	0.1	0.3	( 0.5 )	( 0.8 )	( 0.9 )	1.1	( 0.9 )	( 0.1 )	( 0.1 )	( 0.1 )	0.0	0.1	( 0.1 )	0.2	0.1	0.1	0.1	( 0.1 )	1.0	0.1	0.2	0.2	0.5	1.3	0.4	0.4	0.3	0.3	0.8	0.1	0.4	0.0	0.3
Other	( 0.2 )	( 0.2 )	0.0	( 0.1 )	0.0	0.0	( 0.1 )	0.0	( 0.1 )	0.0	0.0	0.0	( 0.1 )	0.4	0.0	0.3	0.0	0.1	( 0.4 )	( 0.1 )	( 0.2 )	0.1	( 0.2 )	0.3	( 0.1 )	0.2	0.0	0.2	( 0.3 )	( 0.1 )	( 0.1 )	( 0.1 )	0.0	0.2	0.2	0.0	0.1	( 0.1 )	0.7	0.2	0.3	( 0.1 )	0.3	1.2	0.7	0.1	0.1	0.3	0.6	0.2	0.2	0.1	0.1	0.9	0.2	0.1	0.2	0.4
Net Earned Premiums	2,108.3	1,054.9	1,053.4	4,171.4	1,062.9	1,063.4	1,033.8	1,011.3	3,892.7	978.0	977.9	956.6	980.2	3,894.2	1,007.1	975.7	967.2	944.8	3,890.3	960.6	981.1	975.0	973.6	4,148.0	1,095.7	982.9	1,044.6	1,024.8	4,112.3	1,033.6	1,033.8	1,058.4	986.5	4,037.5	1,026.8	1,028.5	997.7	984.5	3,843.2	986.1	977.8	947.7	931.6	3,749.4	959.9	943.8	925.6	920.1	4,177.8	1,110.9	1,044.1	1,033.8	989.0	3,507.0	965.1	910.2	847.9	783.8
Claims Ratio	60.1%	56.7%	63.4%	60.6%	61.0%	66.4%	57.9%	57.0%	55.2%	58.6%	51.4%	45.5%	64.8%	59.7%	61.0%	58.2%	56.3%	63.2%	58.5%	55.7%	54.9%	59.9%	63.5%	59.7%	59.9%	56.7%	58.2%	64.0%	67.0%	79.0%	59.8%	65.9%	63.2%	62.2%	68.2%	60.0%	59.2%	61.2%	64.4%	64.7%	59.8%	65.9%	67.5%	64.3%	69.0%	63.4%	59.8%	64.8%	68.1%	70.3%	66.5%	64.1%	71.6%	69.0%	70.4%	69.0%	67.2%	69.1%
of which Prior Year claims ratio	(6.4%)	(6.9%)	(6.0%)	(7.7%)	(11.9%)	(4.0%)	(7.6%)	(7.3%)	(6.4%)	(1.9%)	(9.0%)	(6.1%)	(8.6%)	(8.4%)	(9.5%)	(5.6%)	(12.1%)	(6.4%)	(7.7%)	(7.5%)	(6.9%)	(9.1%)	(7.4%)	(5.6%)	(6.0%)	(4.4%)	(5.1%)	(6.7%)	(3.0%)	6.6%	(1.8%)	(7.0%)	(9.8%)	(5.9%)	(3.5%)	(6.6%)	(5.5%)	(8.1%)	(4.0%)	(4.5%)	(4.0%)	(4.6%)	(2.7%)	(3.8%)	(4.6%)	(1.9%)	(4.8%)	(4.1%)	(3.1%)	(1.4%)	(1.7%)	(4.1%)	(5.6%)	(3.5%)	(4.2%)	(1.5%)	(5.0%)	(3.2%)
Expense Ratio	34.8%	36.3%	33.3%	34.8%	35.0%	32.9%	36.4%	34.7%	36.1%	36.4%	35.2%	38.1%	34.9%	35.3%	34.8%	34.5%	36.8%	35.1%	35.8%	36.3%	34.8%	36.8%	35.3%	35.5%	36.3%	36.0%	35.4%	34.3%	34.1%	34.2%	33.4%	34.1%	34.6%	34.7%	33.9%	34.6%	34.9%	35.4%	35.2%	35.1%	35.0%	35.5%	35.1%	34.0%	33.3%	33.9%	34.9%	34.1%	31.0%	32.0%	30.7%	30.6%	30.3%	31.1%	29.5%	31.3%	31.6%	32.4%
Combined Ratio	94.9%	93.0%	96.7%	95.4%	96.0%	99.3%	94.3%	91.7%	91.3%	95.0%	86.6%	83.6%	99.7%	95.0%	95.8%	92.7%	93.1%	98.3%	94.3%	92.0%	89.7%	96.7%	98.8%	95.2%	96.2%	92.7%	93.6%	98.3%	101.1%	113.2%	93.2%	100.0%	97.8%	96.9%	102.1%	94.6%	94.1%	96.6%	99.6%	99.8%	94.8%	101.4%	102.6%	98.3%	102.3%	97.3%	94.7%	98.9%	99.1%	102.3%	97.2%	94.7%	101.9%	100.1%	99.9%	100.3%	98.8%	101.5%
Non Life Accident & Health
Net Earned Premiums	522.7	260.3	262.4	1,041.3	266.3	275.2	252.3	247.5	931.2	228.4	235.4	227.4	240.0	930.4	244.9	235.8	231.2	218.5	870.7	225.7	219.9	214.0	211.1	883.6	245.1	201.7	220.7	216.1	838.0	213.0	214.3	215.1	195.6	811.2	200.0	211.6	200.0	199.6	813.4	208.2	203.4	204.8	197.0	812.5	214.0	206.5	195.1	197.0	763.1	192.6	188.4	191.4	190.5	735.8	180.5	181.8	189.0	184.5
Claims Ratio	73.0%	74.4%	71.6%	71.9%	74.6%	66.9%	72.2%	74.1%	67.0%	67.7%	63.7%	65.9%	70.7%	70.3%	71.8%	66.4%	71.0%	72.0%	67.4%	63.3%	60.1%	75.0%	71.6%	64.8%	59.2%	64.2%	67.1%	69.4%	67.5%	61.5%	62.4%	76.5%	69.6%	65.4%	64.5%	64.0%	68.7%	64.6%	67.3%	69.3%	64.0%	65.5%	70.7%	70.0%	73.2%	71.2%	66.5%	68.9%	70.5%	73.1%	70.5%	71.6%	66.8%	71.9%	73.7%	71.3%	75.6%	67.2%
Expense Ratio	23.9%	24.9%	22.9%	23.4%	23.7%	23.0%	24.3%	22.8%	25.9%	26.8%	24.8%	27.7%	24.2%	26.0%	26.5%	26.7%	26.5%	24.4%	25.4%	25.4%	24.9%	26.6%	25.0%	27.5%	28.3%	26.9%	27.7%	27.0%	27.2%	26.8%	25.8%	28.1%	28.4%	28.3%	30.6%	27.7%	27.3%	27.4%	27.0%	27.2%	27.3%	27.0%	26.2%	25.6%	25.2%	25.8%	26.6%	24.9%	25.5%	29.0%	24.4%	24.9%	23.9%	25.0%	25.3%	26.2%	23.9%	24.5%
Combined Ratio	96.9%	99.3%	94.5%	95.3%	98.3%	89.9%	96.5%	96.9%	92.9%	94.5%	88.5%	93.6%	94.9%	96.3%	98.3%	93.1%	97.5%	96.4%	92.8%	88.7%	85.0%	101.6%	96.6%	92.3%	87.5%	91.1%	94.8%	96.4%	94.7%	88.3%	88.2%	104.6%	98.0%	93.7%	95.1%	91.7%	96.0%	92.0%	94.3%	96.5%	91.3%	92.5%	96.9%	95.6%	98.4%	97.0%	93.1%	93.8%	96.0%	102.1%	94.9%	96.5%	90.7%	96.9%	99.0%	97.5%	99.5%	91.7%
Non Life Motor
Net Earned Premiums	774.9	391.3	383.6	1,609.9	403.0	399.3	408.0	399.6	1,592.9	403.7	394.9	392.7	401.6	1,622.7	415.2	399.1	406.1	402.3	1,635.5	409.1	407.5	408.9	410.0	1,781.9	465.1	426.7	449.8	440.3	1,789.5	446.3	450.4	466.7	426.1	1,723.9	444.7	437.5	423.8	417.9	1,615.9	415.5	410.2	398.6	391.5	1,557.2	397.4	391.1	386.0	382.8	2,058.1	550.1	520.3	508.7	478.9	1,571.2	461.7	420.2	363.9	325.3
Claims Ratio	60.7%	61.3%	60.1%	54.5%	47.7%	61.8%	57.8%	50.8%	54.7%	65.0%	51.1%	38.0%	64.1%	66.5%	72.6%	66.1%	66.5%	60.7%	61.2%	64.7%	61.5%	59.7%	59.1%	68.7%	71.9%	66.6%	67.4%	68.8%	78.2%	107.8%	70.8%	68.2%	65.9%	69.1%	71.2%	67.6%	68.4%	69.2%	69.6%	70.0%	66.1%	72.5%	69.7%	69.8%	69.1%	69.5%	70.0%	70.9%	73.6%	78.3%	73.3%	68.6%	73.7%	72.0%	74.6%	70.3%	71.9%	70.5%
Expense Ratio	33.2%	34.7%	31.7%	33.0%	32.8%	31.0%	33.7%	34.2%	34.5%	34.8%	34.1%	35.7%	33.7%	32.9%	32.8%	32.7%	33.4%	32.5%	33.0%	33.2%	32.7%	33.0%	32.9%	31.6%	33.3%	32.3%	31.0%	29.4%	29.7%	30.6%	28.6%	29.9%	30.0%	30.5%	28.3%	30.8%	30.8%	32.2%	29.7%	29.2%	29.7%	29.6%	30.3%	29.3%	27.3%	29.5%	30.1%	30.0%	25.4%	25.4%	25.5%	25.6%	25.2%	25.3%	22.5%	25.1%	26.8%	28.1%
Combined Ratio	93.9%	96.0%	91.8%	87.5%	80.5%	92.8%	91.5%	85.0%	89.2%	99.8%	85.2%	73.7%	97.8%	99.4%	105.4%	98.8%	99.9%	93.2%	94.2%	97.9%	94.2%	92.7%	92.0%	100.3%	105.2%	98.9%	98.4%	98.2%	107.9%	138.4%	99.4%	98.1%	95.9%	99.6%	99.5%	98.4%	99.2%	101.4%	99.3%	99.2%	95.8%	102.1%	100.0%	99.1%	96.4%	99.0%	100.1%	100.9%	99.0%	103.7%	98.8%	94.2%	98.9%	97.3%	97.1%	95.4%	98.7%	98.6%
Non Life Household
Net Earned Premiums	576.9	290.9	286.0	1,083.5	277.4	268.5	265.5	272.1	1,016.5	260.4	254.3	252.6	249.2	981.8	259.2	229.7	248.5	244.4	1,028.2	254.0	258.6	259.1	256.5	1,072.3	278.6	259.3	268.5	265.9	1,066.5	267.0	265.9	272.2	261.5	1,078.2	273.9	270.8	268.2	265.3	1,029.0	262.8	261.2	253.7	251.2	986.2	251.4	248.7	245.4	240.6	1,007.4	265.1	251.8	249.1	241.4	891.8	245.4	229.5	217.8	199.2
Claims Ratio	53.3%	41.5%	65.2%	67.8%	80.0%	85.9%	52.1%	52.8%	48.0%	42.6%	44.4%	33.4%	72.1%	46.1%	41.7%	46.0%	32.1%	65.0%	51.8%	41.3%	43.7%	53.5%	68.6%	43.8%	46.0%	38.1%	38.2%	52.9%	50.5%	46.2%	43.3%	59.1%	53.3%	50.4%	60.4%	48.5%	40.0%	52.5%	51.5%	48.4%	47.0%	50.6%	60.4%	51.5%	64.0%	45.7%	41.9%	54.1%	55.6%	50.6%	49.1%	50.9%	72.8%	61.9%	56.7%	65.8%	51.6%	75.0%
Expense Ratio	43.1%	45.2%	41.0%	44.3%	43.9%	43.5%	48.2%	41.8%	44.5%	43.4%	42.9%	48.7%	43.0%	44.6%	41.8%	47.0%	47.0%	42.9%	44.8%	44.5%	42.5%	47.6%	44.5%	45.1%	46.3%	45.1%	44.6%	44.1%	42.7%	41.6%	43.1%	42.9%	43.2%	41.6%	40.7%	41.6%	42.3%	41.8%	44.6%	44.3%	44.0%	45.5%	44.4%	44.0%	-64.0%	-45.7%	-41.9%	43.7%	41.6%	42.3%	41.4%	41.0%	41.6%	41.5%	39.5%	41.7%	41.9%	43.5%
Combined Ratio	96.4%	86.7%	106.2%	112.1%	123.9%	129.4%	100.3%	94.6%	92.5%	86.0%	87.3%	82.1%	115.1%	90.7%	83.5%	93.0%	79.1%	107.9%	96.6%	85.8%	86.2%	101.1%	113.1%	88.9%	92.3%	83.2%	82.8%	97.0%	93.2%	87.8%	86.4%	102.0%	96.5%	92.0%	101.1%	90.1%	82.3%	94.3%	96.1%	92.7%	91.0%	96.1%	104.8%	95.5%	108.6%	89.5%	86.1%	97.8%	97.2%	92.9%	90.5%	91.9%	114.4%	103.4%	96.2%	107.5%	93.5%	118.5%
Non Life Other
Net Earned Premiums	233.8	112.4	121.4	436.7	116.2	120.4	108.0	92.1	352.1	85.5	93.3	83.9	89.4	359.3	87.8	111.1	81.4	79.6	355.9	71.9	95.0	93.0	96.0	410.2	106.9	95.2	105.6	102.5	418.3	107.3	103.2	104.5	103.3	424.2	108.2	108.6	105.7	101.7	384.9	99.6	102.9	90.5	91.8	393.5	97.1	97.5	99.2	99.7	349.2	103.0	83.5	84.6	78.2	308.2	77.5	78.8	77.2	74.7
Claims Ratio	45.7%	38.9%	52.1%	38.8%	30.5%	37.3%	39.3%	50.6%	46.7%	52.5%	41.1%	62.4%	32.5%	38.3%	32.6%	37.9%	36.9%	46.3%	43.9%	31.5%	45.8%	44.5%	50.7%	51.0%	45.1%	47.2%	51.0%	60.8%	60.4%	75.7%	48.8%	51.2%	65.3%	57.9%	82.6%	50.5%	52.7%	45.0%	71.2%	76.3%	59.0%	80.2%	70.5%	62.4%	72.3%	67.2%	51.1%	59.1%	66.5%	72.5%	67.9%	58.5%	65.9%	67.2%	81.3%	66.4%	68.3%	52.1%
Expense Ratio	44.2%	45.6%	42.8%	44.4%	47.4%	38.2%	45.3%	47.9%	45.9%	48.0%	45.2%	45.2%	45.1%	45.1%	47.3%	31.6%	53.3%	53.0%	47.8%	59.0%	44.8%	46.5%	43.7%	45.1%	41.4%	46.5%	46.9%	45.7%	44.4%	45.6%	44.8%	43.1%	44.0%	46.4%	45.5%	45.8%	47.2%	47.2%	50.6%	51.7%	48.3%	53.2%	49.4%	45.5%	46.2%	44.3%	46.9%	44.8%	44.9%	46.9%	44.2%	43.9%	43.7%	44.8%	48.8%	46.0%	43.7%	40.6%
Combined Ratio	89.9%	84.5%	94.9%	83.2%	77.9%	75.5%	84.6%	98.5%	92.6%	100.5%	86.3%	107.6%	77.6%	83.4%	79.9%	69.5%	90.2%	99.3%	91.7%	90.5%	90.6%	91.0%	94.4%	96.1%	86.5%	93.7%	97.9%	106.5%	104.8%	121.3%	93.6%	94.3%	109.3%	104.3%	128.1%	96.3%	99.9%	92.2%	121.8%	128.0%	107.3%	133.4%	119.9%	107.9%	118.5%	111.5%	98.0%	103.9%	111.4%	119.4%	112.1%	102.4%	109.6%	112.0%	130.1%	112.4%	112.0%	92.7%
Margins in % of Net Earned Premiums (excluding associates)
Operating Margin	8.95%	10.97%	6.93%	8.05%	8.48%	3.98%	8.66%	11.26%	11.54%	8.10%	16.43%	19.14%	2.69%	9.29%	8.61%	12.19%	10.85%	5.42%	9.67%	12.18%	13.58%	7.01%	5.91%	9.26%	7.14%	11.35%	10.88%	7.89%	3.21%	(10.47%)	10.30%	5.43%	7.71%	7.44%	2.24%	9.35%	10.54%	7.71%	5.32%	4.49%	10.79%	3.32%	2.48%	6.51%	2.40%	7.72%	10.03%	6.02%	6.66%	3.40%	8.25%	11.45%	3.62%	4.10%	5.22%	2.61%	5.27%	3.16%
Net Underwriting margin	5.14%	6.99%	3.29%	4.61%	3.98%	0.66%	5.73%	8.29%	8.70%	5.03%	13.38%	16.37%	0.34%	5.02%	4.21%	7.26%	6.86%	1.73%	5.69%	7.98%	10.30%	3.29%	1.19%	4.78%	3.85%	7.35%	6.41%	1.65%	(1.10%)	(13.23%)	6.84%	(0.04%)	2.15%	3.13%	(2.06%)	5.38%	5.89%	3.38%	0.38%	0.19%	5.20%	(1.44%)	(2.62%)	1.67%	(2.28%)	2.67%	5.32%	1.11%	0.94%	(2.30%)	2.85%	5.27%	(1.94%)	(0.08%)	0.11%	(0.34%)	1.25%	(1.47%)
Investment margin	3.86%	3.89%	3.82%	3.42%	4.39%	3.34%	2.65%	3.28%	2.82%	3.06%	3.12%	2.71%	2.41%	3.91%	3.90%	4.80%	3.30%	3.58%	3.90%	3.69%	3.27%	3.73%	4.91%	4.47%	3.46%	3.68%	4.18%	6.60%	4.66%	4.27%	4.00%	5.16%	5.82%	4.30%	4.27%	3.92%	4.53%	4.49%	4.83%	4.34%	5.41%	4.57%	4.99%	4.69%	5.00%	4.63%	4.53%	4.60%	4.98%	4.96%	4.70%	5.28%	4.99%	3.79%	4.56%	2.46%	3.72%	4.48%
Other margin	(0.05%)	0.09%	(0.18%)	0.02%	0.11%	(0.02%)	0.28%	(0.31%)	0.02%	0.01%	(0.07%)	0.06%	(0.06%)	0.36%	0.50%	0.13%	0.69%	0.11%	0.08%	0.51%	0.01%	(0.01%)	(0.19%)	0.01%	(0.17%)	0.32%	0.29%	(0.36%)	(0.35%)	(1.51%)	(0.54%)	0.31%	(0.26%)	0.01%	0.03%	0.05%	0.12%	(0.16%)	0.11%	(0.03%)	0.18%	0.19%	0.11%	0.14%	(0.34%)	0.42%	0.19%	0.32%	0.73%	0.74%	0.70%	0.90%	0.57%	0.39%	0.55%	0.51%	0.29%	0.17%
OTHER DATA	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
No of FTEs	9,968	9,968	10,057	10,100	10,100	10,236	10,045	9,953	10,045	10,045	10,412	10,009	9,858	10,742	10,742	10,882	10,824	10,892	11,009	11,009	11,072	11,132	11,153	11,261	11,261	11,544	11,678	11,676	12,080	12,080	12,067	12,047	11,900	11,919	11,919	12,277	12,158	12,353	12,204	12,204	12,272	12,483	12,480	12,571	12,571	12,584	12,724	12,798	13,335	13,335	12,801	12,830	12,727	12,557	12,557	12,381	12,411	12,000
Life
Total Technical Liabilities - Life	73,027.9	73,027.9	75,436.5	78,191.9	78,191.9	77,818.1	77,517.4	77,783.4	78,691.5	78,691.5	77,346.3	76,473.9	75,492.8	77,453.5	77,453.5	78,360.7	77,802.6	75,948.6	73,367.9	73,367.9	73,607.6	74,143.4	74,250.0	74,655.2	74,655.2	74,178.0	74,230.3	74,197.6	74,481.7	74,481.7	75,326.3	74,553.3	75,942.6	74,123.2	74,123.2	73,563.7	73,704.3	77,128.6	74,823.1	74,823.1	72,699.5	71,991.3	70,459.4	69,229.4	69,229.4	68,974.4	68,687.3	69,467.7	68,784.6	68,784.6	67,757.1	65,849.2	65,593.6	64,398.6	64,398.6	64,154.5	65,056.0	72,919.1
Guaranteed	56,161.4	56,161.4	57,396.1	59,290.4	59,290.4	59,529.8	59,640.0	60,340.1	61,601.7	61,601.7	61,028.9	60,638.7	60,492.6	61,015.4	61,015.4	62,074.5	60,683.6	59,291.4	57,856.8	57,856.8	57,477.3	58,126.7	58,569.9	58,839.0	58,839.0	58,690.5	59,021.1	59,458.1	62,449.5	62,449.5	63,463.2	62,913.6	63,341.3	61,087.2	61,087.2	60,724.6	60,455.5	63,437.8	61,941.4	61,941.4	59,947.8	59,213.0	57,699.2	56,785.2	56,785.2	56,599.9	56,697.7	57,005.1	56,610.9	56,610.9	55,679.4	54,387.2	53,832.7	52,958.3	52,958.3	52,519.6	52,296.8	52,635.0
Unit linked	16,866.5	16,866.5	18,040.4	18,901.5	18,901.5	18,288.3	17,877.4	17,443.3	17,089.8	17,089.8	16,317.4	15,835.2	15,000.2	16,438.1	16,438.1	16,286.2	17,119.0	16,657.2	15,511.1	15,511.1	16,130.3	16,016.7	15,680.1	15,816.2	15,816.2	15,487.5	15,209.2	14,739.5	12,032.2	12,032.2	11,863.1	11,639.7	12,601.3	13,036.0	13,036.0	12,839.1	13,248.8	13,690.8	12,881.7	12,881.7	12,751.7	12,778.3	12,760.2	12,444.2	12,444.2	12,374.5	11,989.6	12,462.6	12,173.7	12,173.7	12,077.7	11,462.0	11,760.9	11,440.3	11,440.3	11,634.9	12,759.2	20,284.1
Average Life Technical Liabilities (excl shadow accounting)	74,117.9	73,672.9	74,823.0	74,479.5	74,934.4	74,441.8	74,154.3	73,892.4	73,655.5	73,171.3	72,545.1	72,276.8	72,863.7	72,569.5	73,377.6	72,350.3	72,698.6	72,320.1	71,545.1	71,545.1	71,625.3	71,633.2	71,490.1	71,025.4	71,025.4	70,852.0	70,754.6	70,608.6	69,411.7	69,411.7	69,210.3	68,978.5	71,333.1	70,921.9	70,921.9	70,577.5	70,869.4	71,133.6	69,516.7	69,516.7	69,204.0	69,107.0	68,642.6	67,827.1	67,827.1	67,661.8	67,373.3	67,516.2	65,792.3	65,792.3	65,425.6	65,017.7	64,796.7	64,660.6	64,660.6	64,730.5	64,957.3	72,756.5
Guaranteed (excl shadow accounting)	54,429.0	56,219.5	54,519.2	54,655.5	56,339.5	56,358.9	56,493.9	54,791.8	56,891.5	56,467.8	56,468.8	56,859.2	57,144.6	56,594.9	57,015.4	56,451.6	56,383.6	56,236.0	55,880.6	55,880.6	55,651.2	55,715.9	55,741.1	55,939.9	55,939.9	55,930.8	55,972.6	56,061.5	57,343.3	57,343.3	57,226.4	57,106.3	58,508.2	57,930.6	57,930.6	57,675.7	57,764.3	57,836.2	56,878.8	56,878.8	56,628.5	56,495.3	56,036.2	55,507.6	55,507.6	55,379.9	55,291.9	55,207.0	54,003.7	54,003.7	53,735.6	53,463.6	53,194.3	52,298.0	52,298.0	52,141.9	52,055.7	52,408.6
Unit-Linked (excl shadow accounting)	19,688.9	17,453.4	20,303.8	19,824.0	18,594.9	18,082.9	17,660.4	19,100.6	16,763.9	16,703.6	16,076.3	15,417.7	15,719.1	15,974.6	16,362.1	15,898.6	16,315.0	16,084.1	15,664.5	15,664.5	15,974.1	15,917.3	15,749.0	15,085.5	15,085.5	14,921.2	14,782.0	14,547.1	12,068.4	12,068.4	11,983.9	11,872.2	12,824.9	12,991.3	12,991.3	12,901.8	13,105.1	13,297.4	12,637.9	12,637.9	12,575.5	12,611.7	12,606.4	12,319.5	12,319.5	12,281.9	12,081.4	12,309.2	11,788.6	11,788.6	11,690.0	11,554.1	11,602.4	12,362.6	12,362.6	12,588.6	12,901.6	20,347.9
Operating cost Life / FUM Life ratio (annualised)	0.46%	0.47%	0.45%	0.43%	0.41%	0.44%	0.43%	0.44%	0.42%	0.41%	0.42%	0.43%	0.45%	0.41%	0.41%	0.41%	0.42%	0.41%	0.40%	0.40%	0.40%	0.40%	0.39%	0.40%	0.42%	0.39%	0.39%	0.38%	0.42%	0.38%	0.41%	0.43%	0.45%	0.45%	0.43%	0.46%	0.45%	0.45%	0.50%	0.53%	0.50%	0.49%	0.48%	0.51%	0.52%	0.51%	0.50%	0.50%	0.51%	0.52%	0.51%	0.50%	0.51%	0.51%	0.52%	0.51%	0.50%	0.51%
Non Life
Total Technical Liabilities - Non Life	8,035.4	8,035.4	8,254.5	7,888.8	7,888.8	7,990.0	7,783.6	7,759.7	7,403.8	7,403.8	7,426.7	7,421.8	7,699.4	7,597.6	7,597.6	7,538.4	7,530.3	7,713.8	7,424.6	7,424.6	7,651.9	7,713.1	7,799.8	7,575.0	7,575.0	8,228.3	8,258.4	8,394.6	7,975.2	7,975.2	7,819.0	7,964.1	7,379.3	7,459.8	7,459.8	7,400.5	7,467.0	7,461.6	7,147.6	7,147.6	7,182.2	7,139.6	6,937.4	6,797.2	6,797.2	6,788.5	6,712.2	6,751.8	7,536.3	7,536.3	6,747.7	6,644.8	6,446.1	6,203.9	6,203.9	6,029.3	5,761.2	5,602.2
Reserves / Premium ratio	191%	190%	392%	189%	186%	188%	188%	192%	190%	189%	190%	194%	196%	195%	189%	193%	195%	204%	191%	193%	195%	198%	200%	183%	173%	209%	198%	205%	194%	193%	189%	188%	187%	185%	182%	180%	187%	189%	186%	181%	184%	188%	186%	181%	177%	180%	181%	183%	180%	170%	162%	161%	163%	177%	161%	166%	170%	179%
0	0	0

Annex 9 (BE)

BELGIUM
in EUR million
INCOME STATEMENT - LIFE	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross written premiums	923.6	489.0	434.6	1,784.3	506.9	411.4	432.7	433.3	1,701.6	493.5	387.1	426.4	394.6	1,720.1	493.4	396.0	427.1	403.6	1,621.8	478.0	384.4	398.6	360.8	1,491.9	424.8	339.7	378.3	349.1	1,524.4	419.0	345.0	394.3	366.1	1,600.3	441.7	363.9	404.0	390.7	1,574.6	452.9	352.5	386.4	382.8	1,635.1	432.1	374.3	408.8	419.9	1,946.1	499.9	440.1	493.6	512.5	1,834.0	528.1	418.0	442.7	445.2
Investment contracts without dpf	1,150.5	506.0	644.5	2,581.5	679.7	786.5	520.0	595.3	2,289.1	621.8	590.9	398.9	677.5	2,805.6	715.8	484.0	602.2	1,003.6	2,524.3	680.8	493.2	797.4	552.9	2,289.5	672.7	453.1	640.1	523.6	2,657.9	628.0	516.1	621.1	892.7	2,198.3	663.0	485.6	482.9	566.8	2,388.1	602.5	492.2	597.6	695.8	2,466.3	672.9	495.9	649.1	648.4	3,180.5	952.7	591.7	889.7	746.4	2,673.9	674.7	525.9	608.0	865.3
Gross Inflow Life	2,074.0	994.9	1,079.1	4,365.8	1,186.6	1,197.9	952.7	1,028.6	3,990.6	1,115.2	978.0	825.4	1,072.0	4,525.7	1,209.2	880.0	1,029.2	1,407.2	4,146.0	1,158.6	877.6	1,196.0	913.7	3,781.4	1,097.5	792.8	1,018.4	872.7	4,182.3	1,047.0	861.1	1,015.4	1,258.8	3,798.6	1,104.7	849.5	886.9	957.5	3,962.7	1,055.4	844.7	984.0	1,078.6	4,101.4	1,105.0	870.2	1,057.9	1,068.3	5,126.6	1,452.5	1,031.9	1,383.3	1,258.9	4,507.8	1,202.7	943.9	1,050.7	1,310.5
Operating result	246.6	100.8	145.8	497.1	140.7	145.4	100.7	110.3	410.4	169.0	111.1	117.9	12.4	459.1	144.1	104.7	110.9	99.4	438.2	99.4	63.5	96.4	178.9	434.8	58.2	99.9	119.6	157.1	435.7	94.3	81.3	138.3	121.8	431.9	161.5	62.8	102.6	105.0	431.3	69.7	121.3	129.3	111.0	433.0	123.7	104.9	109.9	94.5	456.3	168.1	87.0	73.7	127.5	( 308.5 )	80.8	( 435.9 )	( 34.3 )	80.8
Non-allocated other income and expenses	34.4	17.9	16.5	32.2	9.5	24.5	( 1.4 )	( 0.4 )	34.0	18.8	12.7	1.0	1.5	43.5	9.9	14.5	13.4	5.7	49.8	18.9	6.3	11.3	13.3	76.7	20.4	22.3	17.7	16.3	84.9	6.0	40.6	18.7	19.6	74.0	5.4	17.4	37.0	14.2	95.8	24.5	22.8	31.6	16.9	63.5	17.7	20.7	( 2.6 )	27.7	73.3	13.5	11.0	26.9	21.9	( 183.3 )	( 66.6 )	( 94.9 )	( 59.3 )	37.6
Result before taxation consolidated entities	281.0	118.7	162.3	529.3	150.2	169.9	99.3	109.9	444.4	187.8	123.8	118.9	13.9	502.6	154.0	119.2	124.3	105.1	488.0	118.3	69.8	107.7	192.2	511.5	78.6	122.2	137.3	173.4	520.6	100.3	121.9	157.0	141.4	505.9	166.9	80.2	139.6	119.2	527.1	94.2	144.1	160.9	127.9	496.5	141.4	125.6	107.3	122.2	529.6	181.6	98.0	100.6	149.4	( 491.8 )	14.2	( 530.8 )	( 93.6 )	118.4
Result equity associates	7.6	3.6	4.0	13.8	5.7	2.0	4.1	2.0	2.0	( 3.1 )	1.7	0.4	3.0	42.5	24.2	4.7	4.5	9.1	18.5	4.7	5.4	5.4	3.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Result before taxation	288.6	122.3	166.3	543.1	155.9	171.9	103.4	111.9	446.4	184.7	125.5	119.3	16.9	545.1	178.2	123.9	128.8	114.2	506.5	123.0	75.2	113.1	195.2	511.5	78.6	122.2	137.3	173.4	520.6	100.3	121.9	157.0	141.4	505.9	166.9	80.2	139.6	119.2	527.1	94.2	144.1	160.9	127.9	496.5	141.4	125.6	107.3	122.2	529.6	181.6	98.0	100.6	149.4	( 491.8 )	14.2	( 530.8 )	( 93.6 )	118.4
Income tax expenses	( 61.0 )	( 26.0 )	( 35.0 )	( 110.6 )	( 22.8 )	( 33.1 )	( 28.5 )	( 26.2 )	( 88.9 )	( 17.3 )	( 25.2 )	( 20.7 )	( 25.7 )	( 118.1 )	( 44.2 )	( 29.7 )	( 23.4 )	( 20.8 )	( 109.3 )	( 29.2 )	( 21.8 )	( 24.9 )	( 33.4 )	( 95.4 )	( 2.5 )	( 30.2 )	( 34.2 )	( 28.5 )	( 117.1 )	( 21.3 )	( 31.1 )	( 35.3 )	( 29.4 )	( 116.8 )	( 31.1 )	( 22.2 )	( 43.4 )	( 20.1 )	( 72.4 )	( 18.4 )	( 16.1 )	( 11.2 )	( 26.7 )	( 126.7 )	( 27.8 )	( 33.4 )	( 29.9 )	( 35.6 )	( 179.1 )	( 54.3 )	( 25.4 )	( 48.7 )	( 50.7 )	57.5	( 13.9 )	83.8	15.8	( 28.1 )
Non Controlling interests	( 60.4 )	( 26.8 )	( 33.6 )	( 110.7 )	( 38.5 )	( 40.2 )	( 16.0 )	( 16.0 )	( 79.4 )	( 36.2 )	( 26.3 )	( 19.8 )	2.9	( 125.1 )	( 44.0 )	( 27.4 )	( 28.8 )	( 24.9 )	( 109.9 )	( 27.5 )	( 13.3 )	( 26.0 )	( 43.1 )	( 124.4 )	( 28.9 )	( 27.2 )	( 29.4 )	( 38.9 )	( 115.3 )	( 23.8 )	( 27.5 )	( 33.8 )	( 30.2 )	( 108.4 )	( 36.6 )	( 17.9 )	( 26.4 )	( 27.5 )	( 118.8 )	( 21.7 )	( 32.6 )	( 38.5 )	( 26.0 )	( 96.1 )	( 29.6 )	( 23.8 )	( 20.2 )	( 22.5 )	( 90.9 )	( 32.5 )	( 18.8 )	( 13.9 )	( 25.7 )	104.5	( 0.9 )	110.5	18.6	( 23.7 )
Net result attributable to shareholders	167.2	69.5	97.7	321.8	94.6	98.6	58.9	69.7	278.1	131.3	73.9	78.8	( 5.9 )	301.9	90.0	66.8	76.6	68.5	287.3	66.3	40.1	62.2	118.7	291.7	47.2	64.8	73.7	106.0	288.2	55.2	63.3	87.9	81.8	280.7	99.2	40.1	69.8	71.6	335.9	54.1	95.4	111.2	75.2	273.7	84.0	68.4	57.2	64.1	259.6	94.8	53.8	38.0	73.0	( 329.8 )	( 0.6 )	( 336.5 )	( 59.2 )	66.6
INCOME STATEMENT - NON-LIFE	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross Written Premiums	1,287.7	540.8	746.9	2,309.2	514.9	563.2	507.2	723.9	2,109.3	462.7	499.1	461.6	685.9	2,086.0	465.7	494.6	465.1	660.6	2,000.1	447.8	473.6	449.9	628.8	1,915.2	430.1	452.6	437.6	594.9	1,882.6	421.1	446.5	429.8	585.2	1,880.5	418.6	444.7	429.5	587.7	1,893.4	432.7	446.1	431.5	583.2	1,854.7	429.3	440.5	420.2	564.7	1,759.1	397.1	421.9	405.4	534.7	1,670.9	377.8	395.0	387.0	511.1
Operating result	127.3	87.3	40.0	125.2	25.0	( 7.8 )	55.5	52.5	225.7	34.7	74.4	82.6	34.0	218.2	55.1	77.2	65.7	20.2	222.7	72.8	85.4	35.2	29.3	265.3	40.7	78.5	81.7	64.4	175.1	49.7	70.7	23.5	31.2	189.6	39.4	51.5	54.9	43.8	88.6	27.9	60.2	( 20.5 )	21.0	108.3	0.9	34.2	45.9	27.2	121.8	23.8	36.1	54.7	7.1	43.0	17.6	( 9.9 )	10.8	24.5
Non-allocated other income and expenses	9.8	6.7	3.1	6.3	2.7	3.9	( 0.1 )	( 0.2 )	3.0	2.7	2.0	( 2.9 )	1.2	19.6	7.7	5.0	4.0	2.8	17.4	6.2	2.2	4.7	4.3	19.2	5.0	6.1	4.2	3.9	19.8	1.4	7.9	5.9	4.6	15.8	2.3	2.9	8.1	2.5	14.9	3.8	4.0	4.6	2.5	8.7	2.7	3.3	( 0.9 )	3.7	9.6	2.3	1.5	3.3	2.6	( 21.4 )	( 7.5 )	( 11.6 )	( 6.9 )	4.6
Result before taxation consolidated entities	137.1	94.0	43.1	131.5	27.7	( 3.9 )	55.4	52.3	228.7	37.4	76.4	79.7	35.2	237.8	62.8	82.2	69.7	23.0	240.1	79.0	87.6	39.9	33.6	284.5	45.7	84.6	85.9	68.3	194.9	51.1	78.6	29.4	35.8	205.4	41.7	54.4	63.0	46.3	103.5	31.7	64.2	( 15.9 )	23.5	117.0	3.6	37.5	45.0	30.9	131.4	26.1	37.6	58.0	9.7	21.6	10.1	( 21.5 )	3.9	29.1
Result equity associates	0.0	( 0.2 )	0.2	( 0.3 )	0.0	( 0.1 )	0.0	( 0.2 )	( 0.6 )	( 0.3 )	0.0	( 0.2 )	( 0.1 )	3.2	2.5	0.2	0.3	0.3	1.4	0.6	0.4	0.3	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Result before taxation	137.1	93.8	43.3	131.2	27.7	( 4.0 )	55.4	52.1	228.1	37.1	76.4	79.5	35.1	241.0	65.3	82.4	70.0	23.3	241.5	79.6	88.0	40.2	33.7	284.5	45.7	84.6	85.9	68.3	194.9	51.1	78.6	29.4	35.8	205.4	41.7	54.4	63.0	46.3	103.5	31.7	64.2	( 15.9 )	23.5	117.0	3.6	37.5	45.0	30.9	131.4	26.1	37.6	58.0	9.7	21.6	10.1	( 21.5 )	3.9	29.1
Income tax expenses	( 32.1 )	( 21.2 )	( 10.9 )	( 25.6 )	( 2.2 )	3.1	( 14.7 )	( 11.8 )	( 54.5 )	( 5.1 )	( 20.2 )	( 18.1 )	( 11.1 )	( 66.3 )	( 18.0 )	( 23.0 )	( 18.8 )	( 6.5 )	( 65.9 )	( 20.6 )	( 26.2 )	( 10.1 )	( 9.0 )	( 82.1 )	( 9.5 )	( 26.1 )	( 26.5 )	( 20.0 )	( 53.6 )	( 14.7 )	( 23.9 )	( 3.6 )	( 11.4 )	( 65.0 )	( 13.5 )	( 17.3 )	( 19.7 )	( 14.5 )	( 28.6 )	( 9.5 )	( 19.9 )	7.9	( 7.1 )	( 34.7 )	1.9	( 12.0 )	( 14.5 )	( 10.1 )	( 44.5 )	( 8.2 )	( 12.4 )	( 20.5 )	( 3.4 )	( 17.1 )	( 3.8 )	( 1.6 )	( 2.8 )	( 8.9 )
Non Controlling interests	( 27.2 )	( 18.9 )	( 8.3 )	( 27.0 )	( 7.6 )	( 1.1 )	( 9.6 )	( 8.7 )	( 41.1 )	( 7.0 )	( 14.6 )	( 13.8 )	( 5.7 )	( 50.2 )	( 15.5 )	( 16.4 )	( 13.6 )	( 4.7 )	( 47.6 )	( 16.2 )	( 15.5 )	( 8.9 )	( 7.0 )	( 56.3 )	( 11.8 )	( 16.1 )	( 15.7 )	( 12.7 )	( 38.9 )	( 10.1 )	( 14.9 )	( 7.4 )	( 6.5 )	( 37.4 )	( 7.7 )	( 9.7 )	( 11.6 )	( 8.4 )	( 19.3 )	( 5.9 )	( 11.1 )	1.9	( 4.2 )	( 21.1 )	( 1.6 )	( 6.5 )	( 7.7 )	( 5.3 )	( 22.1 )	( 4.5 )	( 6.4 )	( 9.5 )	( 1.7 )	( 1.7 )	( 1.7 )	5.6	( 0.4 )	( 5.2 )
Net result attributable to shareholders	77.8	53.7	24.1	78.6	17.9	( 2.0 )	31.1	31.6	132.5	25.0	41.5	47.7	18.3	124.5	31.8	43.0	37.6	12.1	128.0	42.8	46.3	21.2	17.7	146.1	24.4	42.4	43.7	35.6	102.4	26.3	39.8	18.4	17.9	103.0	20.5	27.4	31.7	23.4	55.6	16.3	33.2	( 6.1 )	12.2	61.2	3.9	19.0	22.8	15.5	64.8	13.4	18.8	28.0	4.6	2.8	4.6	( 17.5 )	0.7	15.0
INCOME STATEMENT - TOTAL	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross Inflow	3,361.7	1,535.7	1,826.0	6,675.0	1,701.5	1,761.1	1,459.9	1,752.5	6,099.9	1,577.9	1,477.1	1,287.0	1,757.9	6,611.7	1,674.9	1,374.6	1,494.4	2,067.8	6,146.1	1,606.4	1,351.2	1,645.9	1,542.5	5,696.6	1,527.6	1,245.4	1,456.0	1,467.6	6,064.9	1,468.1	1,307.6	1,445.2	1,844.0	5,679.1	1,523.1	1,294.2	1,316.5	1,545.2	5,856.1	1,487.9	1,290.8	1,415.5	1,661.8	5,956.1	1,534.3	1,310.7	1,478.1	1,633.0	6,885.7	1,849.6	1,453.7	1,788.7	1,793.6	6,178.7	1,580.3	1,339.0	1,437.7	1,821.6
Net result attributable to shareholders	245.0	123.1	121.9	400.4	112.6	96.5	90.0	101.3	410.6	156.3	115.4	126.5	12.4	426.4	121.8	109.8	114.2	80.6	415.3	109.1	86.4	83.4	136.4	437.7	71.5	107.2	117.4	141.6	390.6	81.5	103.1	106.3	99.7	383.7	119.7	67.5	101.5	95.0	391.5	70.4	128.6	105.1	87.4	334.9	87.9	87.4	80.0	79.6	324.4	108.2	72.5	66.0	77.6	( 326.9 )	4.0	( 354.1 )	( 58.5 )	81.6
KEY PERFORMANCE INDICATORS	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Life
Gross Inflow	2,074.0	994.9	1,079.1	4,365.8	1,186.6	1,197.9	952.7	1,028.6	3,990.6	1,115.2	978.0	825.4	1,072.0	4,525.7	1,209.2	880.0	1,029.3	1,407.2	4,146.0	1,158.6	877.7	1,196.0	913.7	3,781.4	1,097.5	792.8	1,018.4	872.7	4,182.3	1,047.0	861.1	1,015.4	1,258.8	3,798.6	1,104.7	849.5	886.9	957.5	3,962.7	1,055.4	844.7	984.0	1,078.6	4,101.4	1,105.0	870.2	1,057.8	1,068.3	5,126.6	1,452.5	1,031.9	1,383.3	1,258.9	4,507.8	1,202.7	943.9	1,050.7	1,310.5
Individual Single	1,018.1	451.6	566.5	2,220.6	549.7	710.9	453.2	506.8	1,922.9	493.9	520.5	319.9	588.6	2,459.8	601.1	433.3	524.0	901.4	2,208.6	581.2	436.6	712.0	478.8	2,007.3	571.5	404.8	580.9	450.1	2,427.2	544.8	478.9	581.5	822.0	2,055.2	604.9	471.3	454.4	524.6	2,267.9	563.7	462.2	578.4	663.6	2,399.0	645.7	488.2	613.8	651.2	3,340.1	945.6	613.9	955.9	824.7	2,800.8	717.6	557.7	640.4	885.1
Individual Regular	342.9	159.1	183.8	838.0	296.2	178.3	170.2	193.3	736.7	243.4	153.3	166.3	173.7	743.0	241.0	142.1	168.9	191.0	693.1	217.7	140.9	174.9	159.6	664.2	219.5	132.1	147.5	165.1	659.3	212.2	132.1	145.1	169.9	629.8	211.6	125.4	139.8	153.0	613.6	203.1	134.9	129.8	145.8	595.3	195.3	121.9	156.6	121.5	682.6	222.6	138.5	161.4	160.1	676.4	217.6	137.9	153.4	167.5
Group Single	192.8	118.5	74.3	392.4	104.1	94.9	124.3	69.1	363.6	100.6	91.0	106.9	65.1	402.0	113.5	98.9	114.2	75.4	344.7	104.2	88.1	93.2	59.2	304.9	84.1	70.3	102.0	48.5	287.6	70.0	52.3	101.5	63.8	332.8	94.2	68.4	103.9	66.3	325.6	90.2	66.6	107.8	61.0	353.3	80.2	71.5	111.5	90.1	343.0	92.3	85.7	102.1	62.9	329.1	106.3	69.6	82.6	70.6
Group Regular	520.3	265.7	254.6	914.8	236.7	213.7	205.0	259.4	967.5	277.3	213.4	232.2	244.6	920.9	253.6	205.7	222.2	239.4	899.6	255.5	212.1	215.9	216.1	805.0	222.4	185.6	188.0	209.0	808.2	220.0	197.8	187.3	203.1	780.8	194.0	184.4	188.8	213.6	755.6	198.4	181.0	168.0	208.2	753.8	183.8	188.6	175.9	205.5	760.9	192.0	193.8	163.9	211.2	701.5	161.2	178.7	174.2	187.4
Gross Inflow	2,074.0	994.9	1,079.1	4,365.8	1,186.6	1,197.9	952.7	1,028.6	3,990.6	1,115.2	978.0	825.4	1,072.0	4,525.7	1,209.2	880.0	1,029.3	1,407.2	4,146.0	1,158.6	877.7	1,196.0	913.7	3,781.4	1,097.5	792.8	1,018.4	872.7	4,182.3	1,047.0	861.1	1,015.4	1,258.8	3,798.6	1,104.7	849.5	886.9	957.5	3,962.7	1,055.4	844.7	984.0	1,078.6	4,101.4	1,105.0	870.2	1,057.9	1,068.3	5,126.6	1,452.5	1,031.9	1,383.3	1,258.9	4,507.8	1,202.7	943.9	1,050.7	1,310.5
Guaranteed	1,584.0	754.4	829.6	3,196.7	897.9	779.8	715.9	803.1	3,220.0	948.1	659.7	715.6	896.6	3,717.5	1,071.7	782.7	891.2	971.9	3,281.3	1,032.3	707.7	795.6	745.7	3,005.3	919.1	637.4	703.0	745.8	3,778.8	963.2	763.9	925.5	1,126.2	3,307.9	989.3	704.9	792.2	821.5	3,553.0	966.1	763.2	883.3	940.4	3,540.7	978.7	787.1	888.3	886.6	4,646.7	1,242.4	909.6	1,288.0	1,206.7	4,265.2	1,183.4	908.4	950.7	1,222.7
Unit-Linked	490.0	240.5	249.5	1,169.1	288.7	418.1	236.9	225.4	770.6	167.1	318.3	109.8	175.4	808.2	137.5	97.3	138.1	435.3	864.7	126.3	170.0	400.4	168.0	776.1	178.4	155.4	315.4	126.9	403.5	83.8	97.2	89.9	132.6	490.7	115.4	144.6	94.7	136.0	409.7	89.3	81.5	100.7	138.2	560.7	126.3	83.1	169.6	181.7	479.9	210.1	122.3	95.3	52.2	242.6	19.3	35.5	100.0	87.8
Operating result	246.6	100.8	145.8	497.1	140.7	145.4	100.7	110.3	410.4	169.0	111.2	117.8	12.4	459.1	144.1	104.7	110.9	99.4	438.2	99.4	63.5	96.4	178.9	434.8	58.2	99.9	119.6	157.1	435.7	94.3	81.3	138.3	121.8	431.9	161.5	62.8	102.6	105.0	431.3	69.7	121.3	129.3	111.0	433.0	123.7	104.9	109.9	94.5	456.3	168.1	87.0	73.7	127.5	( 308.5 )	80.8	( 435.9 )	( 34.3 )	80.8
Guaranteed	218.7	87.8	130.9	448.1	126.5	134.4	89.0	98.2	371.9	158.5	102.3	109.6	1.5	422.9	133.7	93.9	101.5	93.8	406.3	91.7	56.9	89.0	168.7	409.3	50.5	93.3	115.8	149.7	417.1	84.6	79.3	134.9	118.3	413.1	157.5	60.6	97.1	97.9	414.6	66.4	115.6	125.2	107.4	410.8	119.1	98.1	104.9	88.7	431.7	162.6	79.5	69.2	120.4	( 333.6 )	71.5	( 437.6 )	( 41.5 )	73.9
Unit-Linked	27.9	13.1	14.8	49.0	14.2	11.1	11.6	12.1	38.4	10.4	8.8	8.3	10.9	36.2	10.4	10.8	9.4	5.6	31.9	7.7	6.6	7.4	10.2	25.5	7.7	6.6	3.8	7.4	18.6	9.7	2.0	3.4	3.5	18.8	4.0	2.2	5.5	7.1	16.7	3.3	5.7	4.1	3.6	22.2	4.6	6.8	5.0	5.8	24.6	5.5	7.5	4.5	7.1	25.1	9.3	1.7	7.2	6.9
Net underwriting result	( 19.6 )	( 20.9 )	1.3	7.3	22.5	( 8.6 )	( 5.2 )	( 1.4 )	( 15.6 )	( 5.5 )	( 6.5 )	( 0.1 )	( 3.5 )	( 19.3 )	22.9	( 15.8 )	( 14.8 )	( 11.6 )	5.1	0.3	3.1	( 1.8 )	3.5	( 18.6 )	( 13.7 )	5.6	( 6.1 )	( 4.4 )	( 6.0 )	7.5	( 11.2 )	( 0.4 )	( 1.9 )	10.0	8.3	1.3	( 4.0 )	4.4	( 19.5 )	( 28.6 )	( 2.3 )	1.8	9.6	26.5	( 2.7 )	8.5	15.9	4.8	37.5	8.2	13.0	10.7	5.6	35.4	11.5	11.3	( 0.2 )	12.9
Guaranteed	( 45.3 )	( 32.8 )	( 12.5 )	( 37.3 )	9.5	( 18.5 )	( 15.8 )	( 12.5 )	( 54.0 )	( 15.9 )	( 15.3 )	( 8.4 )	( 14.4 )	( 55.5 )	12.5	( 26.6 )	( 24.2 )	( 17.2 )	( 26.8 )	( 7.4 )	( 3.5 )	( 9.2 )	( 6.7 )	( 44.1 )	( 21.4 )	( 1.0 )	( 9.9 )	( 11.8 )	( 24.6 )	( 2.2 )	( 13.2 )	( 3.8 )	( 5.4 )	( 8.8 )	4.3	( 0.9 )	( 9.5 )	( 2.7 )	( 36.2 )	( 31.9 )	( 8.0 )	( 2.3 )	6.0	4.3	( 7.3 )	1.7	10.9	( 1.0 )	12.9	2.7	5.5	6.2	( 1.5 )	10.3	2.2	9.6	( 7.4 )	6.0
Unit-Linked	25.8	12.1	13.7	44.6	13.0	9.9	10.6	11.1	38.4	10.4	8.8	8.3	10.9	36.2	10.4	10.8	9.4	5.6	31.9	7.7	6.6	7.4	10.2	25.5	7.7	6.6	3.8	7.4	18.6	9.7	2.0	3.4	3.5	18.8	4.0	2.2	5.5	7.1	16.7	3.3	5.7	4.1	3.6	22.2	4.6	6.8	5.0	5.8	24.6	5.5	7.5	4.5	7.1	25.1	9.3	1.7	7.2	6.9
Underwriting result	54.1	20.2	33.9	155.9	56.3	31.0	32.9	35.7	138.0	35.0	34.7	34.7	33.6	119.0	39.4	25.2	23.0	31.4	150.2	39.7	39.4	34.4	36.7	132.3	25.1	42.5	31.0	33.7	141.9	38.7	30.4	39.6	33.2	121.3	30.3	29.7	25.4	35.9	139.8	33.8	30.7	35.3	40.0	150.4	28.4	40.4	43.2	38.4	144.1	31.0	45.1	34.0	34.0	134.6	33.0	41.5	27.2	32.9
Guaranteed	53.9	20.2	33.7	155.3	55.6	31.4	32.7	35.6	137.3	34.7	34.6	34.4	33.6	118.5	39.2	25.2	22.7	31.4	149.7	39.5	39.4	34.1	36.7	131.5	24.9	42.1	31.1	33.4	141.7	36.1	30.6	41.8	33.2	120.8	29.8	31.9	24.0	35.1	140.1	33.8	30.6	35.1	40.6	148.5	28.7	39.0	43.0	37.8	142.2	31.1	43.5	35.2	32.3	109.5	23.7	45.2	27.0	31.6
Unit-Linked	0.2	0.0	0.2	0.6	0.7	( 0.4 )	0.2	0.1	0.7	0.4	( 0.1 )	0.4	0.0	0.5	0.2	0.0	0.3	0.0	0.5	0.2	0.0	0.3	0.0	0.8	0.2	0.4	( 0.1 )	0.3	0.2	2.6	( 0.2 )	( 2.2 )	0.0	0.5	0.5	( 2.2 )	1.4	0.8	( 0.3 )	0.0	0.1	0.2	( 0.6 )	1.9	( 0.3 )	1.4	0.2	0.6	1.9	( 0.1 )	1.6	( 1.2 )	1.7	25.1	9.3	( 3.7 )	0.2	1.3
Expense & Other result	( 73.7 )	( 41.1 )	( 32.6 )	( 148.6 )	( 33.8 )	( 39.6 )	( 38.1 )	( 37.1 )	( 153.6 )	( 40.6 )	( 41.1 )	( 34.8 )	( 37.1 )	( 138.2 )	( 16.4 )	( 41.0 )	( 37.8 )	( 43.0 )	( 145.1 )	( 39.4 )	( 36.3 )	( 36.2 )	( 33.2 )	( 150.9 )	( 38.8 )	( 36.9 )	( 37.1 )	( 38.1 )	( 147.9 )	( 31.2 )	( 41.6 )	( 40.0 )	( 35.1 )	( 111.3 )	( 22.0 )	( 28.4 )	( 29.4 )	( 31.5 )	( 159.3 )	( 62.4 )	( 33.0 )	( 33.5 )	( 30.4 )	( 123.9 )	( 31.1 )	( 31.9 )	( 27.3 )	( 33.6 )	( 106.6 )	( 22.8 )	( 32.1 )	( 23.3 )	( 28.4 )	( 99.2 )	( 21.6 )	( 30.2 )	( 27.4 )	( 20.0 )
Guaranteed	( 99.3 )	( 53.2 )	( 46.1 )	( 192.6 )	( 46.1 )	( 49.9 )	( 48.5 )	( 48.1 )	( 191.3 )	( 50.6 )	( 50.0 )	( 42.7 )	( 48.0 )	( 173.9 )	( 26.6 )	( 51.7 )	( 47.0 )	( 48.6 )	( 176.5 )	( 46.9 )	( 42.9 )	( 43.3 )	( 43.4 )	( 175.6 )	( 46.3 )	( 43.1 )	( 41.0 )	( 45.2 )	( 166.3 )	( 38.3 )	( 43.8 )	( 45.6 )	( 38.6 )	( 129.6 )	( 25.5 )	( 32.9 )	( 33.4 )	( 37.8 )	( 176.3 )	( 65.7 )	( 38.6 )	( 37.4 )	( 34.6 )	( 144.2 )	( 36.0 )	( 37.3 )	( 32.1 )	( 38.8 )	( 129.3 )	( 28.5 )	( 38.0 )	( 29.0 )	( 33.8 )	( 124.3 )	( 30.9 )	( 35.6 )	( 34.3 )	( 25.7 )
Unit-Linked	25.6	12.1	13.5	44.0	12.3	10.3	10.4	11.0	37.7	10.0	8.9	7.9	10.9	35.7	10.2	10.7	9.2	5.6	31.4	7.5	6.6	7.1	10.2	24.7	7.5	6.2	3.9	7.1	18.4	7.1	2.2	5.6	3.5	18.3	3.5	4.5	4.0	6.3	17.0	3.3	5.6	3.9	4.2	20.3	4.9	5.4	4.8	5.2	22.7	5.7	5.9	5.7	5.4	25.1	9.3	5.4	6.9	5.7
Investment result	266.2	121.7	144.5	489.8	118.2	154.1	105.8	111.7	426.0	174.6	117.5	117.9	16.0	478.4	121.2	120.4	125.8	111.0	433.1	99.1	60.4	98.2	175.4	453.4	71.9	94.3	125.7	161.5	441.7	86.8	92.5	138.7	123.7	421.9	153.2	61.5	106.6	100.6	450.8	98.3	123.6	127.5	101.4	406.5	126.4	96.4	94.0	89.7	418.8	159.9	74.0	63.0	121.9	( 343.9 )	69.4	( 447.2 )	( 34.1 )	67.9
Guaranteed	264.1	120.7	143.4	485.4	117.0	152.9	104.8	110.7	426.0	174.6	117.5	117.9	16.0	478.4	121.2	120.4	125.8	111.0	433.1	99.1	60.4	98.2	175.4	453.4	71.9	94.3	125.7	161.5	441.7	86.8	92.5	138.7	123.7	421.9	153.2	61.5	106.6	100.6	450.8	98.3	123.6	127.5	101.4	406.5	126.4	96.4	94.0	89.7	418.8	159.9	74.0	63.0	121.9	( 343.9 )	69.4	( 447.2 )	( 34.1 )	67.9
Unit-Linked
Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	0.82%	0.68%	0.48%	0.83%	0.93%	0.97%	0.68%	0.75%	0.70%	1.16%	0.77%	0.82%	0.09%	0.81%	1.00%	0.74%	0.78%	0.70%	0.79%	0.71%	0.45%	0.69%	1.28%	0.78%	0.42%	0.72%	0.86%	1.13%	0.80%	0.69%	0.60%	1.02%	0.90%	0.80%	1.20%	0.47%	0.77%	0.78%	0.81%	0.52%	0.91%	0.98%	0.85%	0.84%	0.95%	0.81%	0.85%	0.73%	0.91%	1.34%	0.70%	0.59%	1.03%	(0.64%)	0.67%	(3.60%)	(0.28%)	0.67%
Net underwriting margin	(0.07%)	(0.14%)	0.01%	0.01%	0.15%	(0.06%)	(0.03%)	(0.01%)	(0.03%)	(0.04%)	(0.04%)	(0.02%)	(0.03%)	0.16%	(0.11%)	(0.10%)	(0.08%)	0.01%	0.02%	(0.01%)	0.02%	(0.03%)	(0.10%)	0.04%	(0.04%)	(0.03%)	(0.01%)	0.05%	(0.08%)	(0.01%)	0.02%	0.06%	0.01%	(0.03%)	0.03%	(0.04%)	(0.22%)	(0.02%)	0.01%	0.07%	0.05%	(0.02%)	0.06%	0.12%	0.04%	0.07%	0.07%	0.10%	0.09%	0.07%	0.07%	0.09%	0.09%	0.11%
Underwriting margin	0.18%	0.13%	0.22%	0.26%	0.37%	0.21%	0.22%	0.24%	0.24%	0.24%	0.24%	0.24%	0.23%	0.21%	0.27%	0.18%	0.16%	0.22%	0.27%	0.28%	0.28%	0.25%	0.26%	0.24%	0.18%	0.31%	0.22%	0.24%	0.26%	0.28%	0.22%	0.29%	0.24%	0.22%	0.22%	0.22%	0.19%	0.27%	0.26%	0.25%	0.23%	0.27%	0.30%	0.29%	0.22%	0.31%	0.33%	0.30%	0.29%	0.25%	0.36%	0.27%	0.33%	0.28%	0.27%	0.34%	0.22%	0.27%
Expense & other margin	(0.25%)	(0.27%)	(0.22%)	(0.25%)	(0.22%)	(0.26%)	(0.26%)	(0.25%)	(0.26%)	(0.28%)	(0.28%)	(0.24%)	(0.26%)	(0.24%)	(0.11%)	(0.29%)	(0.27%)	(0.30%)	(0.26%)	(0.28%)	(0.26%)	(0.26%)	(0.24%)	(0.27%)	(0.28%)	(0.27%)	(0.27%)	(0.27%)	(0.27%)	(0.23%)	(0.30%)	(0.29%)	(0.25%)	(0.20%)	(0.16%)	(0.21%)	(0.22%)	(0.24%)	(0.30%)	(0.47%)	(0.25%)	(0.26%)	(0.23%)	(0.24%)	(0.24%)	(0.25%)	(0.21%)	(0.26%)	(0.21%)	(0.18%)	(0.26%)	(0.19%)	(0.26%)	(0.20%)	(0.18%)	(0.25%)	(0.23%)	(0.17%)
Investment margin	0.89%	0.81%	0.96%	0.82%	0.78%	1.03%	0.71%	0.76%	0.73%	1.20%	0.81%	0.82%	0.11%	0.84%	0.84%	0.85%	0.89%	0.78%	0.78%	0.71%	0.43%	0.70%	1.26%	0.81%	0.52%	0.68%	0.91%	1.16%	0.81%	0.64%	0.68%	1.02%	0.91%	0.78%	1.14%	0.46%	0.79%	0.75%	0.85%	0.74%	0.93%	0.97%	0.78%	0.78%	0.98%	0.75%	0.73%	0.69%	0.84%	1.28%	0.59%	0.51%	0.96%	(0.71%)	0.57%	(3.69%)	(0.28%)	0.56%

Guaranteed Margins
Operating Margin	0.94%	0.75%	0.56%	0.97%	1.09%	1.16%	0.77%	0.85%	0.77%	1.32%	0.85%	0.91%	0.01%	0.88%	1.11%	0.78%	0.85%	0.78%	0.85%	0.77%	0.48%	0.75%	1.41%	0.85%	0.42%	0.78%	0.96%	1.24%	0.86%	0.70%	0.65%	1.11%	0.98%	0.86%	1.31%	0.51%	0.81%	0.82%	0.87%	0.56%	0.98%	1.06%	0.92%	0.89%	1.03%	0.85%	0.91%	0.77%	0.96%	1.45%	0.71%	0.62%	1.09%	(0.78%)	0.67%	(4.10%)	(0.39%)	0.70%
Net underwriting margin	(0.19%)	(0.28%)	(0.11%)	(0.08%)	0.08%	(0.16%)	(0.14%)	(0.11%)	(0.11%)	(0.13%)	(0.13%)	(0.07%)	(0.12%)	(0.12%)	0.10%	(0.22%)	(0.20%)	(0.14%)	(0.06%)	(0.06%)	(0.03%)	(0.08%)	(0.06%)	(0.09%)	(0.18%)	(0.01%)	(0.08%)	(0.10%)	(0.05%)	(0.02%)	(0.11%)	(0.03%)	(0.04%)	(0.02%)	0.04%	(0.01%)	(0.08%)	(0.02%)	(0.08%)	(0.27%)	(0.07%)	(0.02%)	0.05%	0.01%	(0.06%)	0.02%	0.09%	(0.01%)	0.03%	0.02%	0.05%	0.06%	0.02%	0.02%	0.02%	0.09%	(0.07%)	0.06%
Underwriting margin	0.23%	0.17%	0.29%	0.33%	0.48%	0.27%	0.28%	0.31%	0.28%	0.29%	0.29%	0.28%	0.28%	0.25%	0.33%	0.21%	0.19%	0.26%	0.31%	0.33%	0.33%	0.28%	0.31%	0.27%	0.21%	0.35%	0.26%	0.28%	0.29%	0.30%	0.25%	0.34%	0.27%	0.25%	0.25%	0.27%	0.20%	0.29%	0.30%	0.28%	0.26%	0.30%	0.35%	0.32%	0.25%	0.34%	0.37%	0.33%	0.32%	0.28%	0.39%	0.32%	0.36%	0.32%	0.30%	0.42%	0.26%	0.30%
Expense & other margin	(0.43%)	(0.46%)	(0.40%)	(0.42%)	(0.40%)	(0.43%)	(0.42%)	(0.41%)	(0.40%)	(0.42%)	(0.42%)	(0.35%)	(0.40%)	(0.37%)	(0.22%)	(0.43%)	(0.39%)	(0.40%)	(0.37%)	(0.39%)	(0.36%)	(0.36%)	(0.37%)	(0.36%)	(0.39%)	(0.36%)	(0.34%)	(0.38%)	(0.34%)	(0.32%)	(0.36%)	(0.37%)	(0.31%)	(0.27%)	(0.21%)	(0.28%)	(0.28%)	(0.31%)	(0.38%)	(0.55%)	(0.33%)	(0.32%)	(0.30%)	(0.31%)	(0.31%)	(0.32%)	(0.28%)	(0.34%)	(0.29%)	(0.25%)	(0.34%)	(0.26%)	(0.34%)	(0.30%)	(0.29%)	(0.33%)	(0.33%)	(0.24%)
Investment margin	1.14%	1.04%	1.23%	1.05%	1.01%	1.32%	0.90%	0.96%	0.88%	1.46%	0.98%	0.98%	0.13%	1.00%	1.01%	1.01%	1.05%	0.92%	0.91%	0.83%	0.51%	0.82%	1.47%	0.94%	0.60%	0.79%	1.05%	1.34%	0.91%	0.72%	0.76%	1.14%	1.02%	0.88%	1.27%	0.52%	0.89%	0.84%	0.95%	0.83%	1.04%	1.08%	0.87%	0.88%	1.09%	0.83%	0.81%	0.78%	0.93%	1.42%	0.66%	0.57%	1.07%	(0.80%)	0.65%	(4.19%)	(0.32%)	0.64%

Unit Linked Margins
Operating Margin	0.41%	0.40%	0.21%	0.37%	0.41%	0.33%	0.36%	0.38%	0.38%	0.40%	0.36%	0.36%	0.47%	0.40%	0.43%	0.48%	0.43%	0.26%	0.40%	0.38%	0.32%	0.36%	0.51%	0.34%	0.41%	0.35%	0.20%	0.41%	0.31%	0.64%	0.14%	0.23%	0.23%	0.32%	0.27%	0.16%	0.37%	0.47%	0.30%	0.23%	0.40%	0.29%	0.26%	0.41%	0.34%	0.51%	0.38%	0.44%	0.47%	0.42%	0.58%	0.35%	0.54%	0.45%	0.66%	0.12%	0.49%	0.47%
Net underwriting margin	0.38%	0.36%	0.39%	0.33%	0.37%	0.30%	0.33%	0.35%	0.38%	0.40%	0.36%	0.36%	0.47%	0.40%	0.43%	0.48%	0.43%	0.26%	0.40%	0.38%	0.32%	0.36%	0.51%	0.34%	0.41%	0.35%	0.20%	0.41%	0.31%	0.64%	0.14%	0.23%	0.23%	0.32%	0.27%	0.16%	0.37%	0.47%	0.30%	0.24%	0.40%	0.29%	0.26%	0.41%	0.34%	0.51%	0.38%	0.44%	0.47%	0.42%	0.58%	0.35%	0.54%	0.45%	0.68%	0.12%	0.49%	0.47%
Underwriting margin	0.01%	0.02%	(0.01%)	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.02%	0.02%	0.17%	(0.01%)	(0.15%)	0.01%	0.03%	(0.15%)	0.10%	0.05%	(0.02%)	(0.02%)	0.01%	0.01%	(0.04%)	0.04%	(0.02%)	0.10%	0.02%	0.05%	0.04%	(0.01%)	0.12%	(0.09%)	0.16%	(0.05%)	0.02%	(0.27%)	(0.01%)	0.07%
Expense & other margin	0.38%	0.37%	0.39%	0.33%	0.35%	0.31%	0.32%	0.35%	0.37%	0.39%	0.36%	0.34%	0.47%	0.39%	0.42%	0.48%	0.42%	0.26%	0.39%	0.37%	0.32%	0.35%	0.51%	0.33%	0.40%	0.33%	0.20%	0.39%	0.31%	0.47%	0.15%	0.38%	0.23%	0.31%	0.24%	0.31%	0.27%	0.42%	0.32%	0.26%	0.39%	0.28%	0.30%	0.38%	0.36%	0.40%	0.36%	0.39%	0.44%	0.44%	0.46%	0.44%	0.38%	0.50%	0.66%	0.39%	0.50%	0.40%
Investment margin	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%
Non-Life
Gross written premiums	1,287.7	540.8	746.9	2,309.2	514.9	563.2	507.2	723.9	2,109.3	462.7	499.1	461.6	685.9	2,086.0	465.7	494.6	465.1	660.6	2,000.1	447.8	473.6	449.9	628.8	1,915.2	430.1	452.6	437.6	594.9	1,882.6	421.1	446.5	429.8	585.2	1,880.5	418.5	444.7	429.6	587.7	1,893.4	432.6	446.1	431.5	583.2	1,854.7	429.3	440.5	420.2	564.7	1,759.1	397.1	421.8	405.5	534.7	1,670.9	377.8	395.0	387.0	511.1
Accident & Health	357.2	142.3	214.9	652.9	135.5	163.3	130.2	223.9	549.6	110.2	121.5	107.4	210.5	569.7	125.1	130.2	113.8	200.6	531.7	116.6	119.9	109.0	186.2	487.8	106.8	110.2	104.2	166.6	478.8	103.3	109.0	102.2	164.3	490.6	106.6	112.1	103.7	168.2	513.9	120.2	113.1	109.4	171.2	516.2	124.7	115.7	104.1	171.7	483.5	106.0	110.7	103.8	163.0	462.2	100.3	101.0	100.7	160.2
Motor	378.9	168.1	210.8	685.3	155.4	166.2	162.9	200.8	647.8	146.0	158.3	153.4	190.1	627.6	140.9	150.9	150.9	184.9	607.5	135.8	146.4	147.7	177.6	587.3	131.8	141.5	142.1	171.9	577.5	129.1	139.1	140.6	168.7	576.1	127.1	138.7	140.5	169.8	581.0	129.7	140.0	141.7	169.6	570.0	128.8	138.6	139.2	163.4	552.9	124.1	134.4	135.3	159.1	541.2	121.5	131.7	132.4	155.6
Household	413.1	175.3	237.8	731.8	170.4	175.5	164.2	221.7	700.5	161.9	168.2	158.1	212.3	678.0	156.1	162.2	154.4	205.3	655.9	151.4	157.7	149.0	197.8	643.1	149.7	154.1	147.4	191.9	632.5	146.2	151.8	145.3	189.2	625.1	144.5	149.7	143.9	187.0	618.0	144.0	149.2	142.1	182.7	601.3	139.9	145.7	140.2	175.5	568.9	134.5	139.2	132.0	163.2	523.8	124.9	127.5	122.6	148.8
Other	138.5	55.0	83.5	239.2	53.6	58.3	49.7	77.6	211.5	44.7	51.1	42.6	73.1	210.7	43.6	51.3	46.0	69.8	205.0	44.0	49.6	44.2	67.2	197.0	41.8	46.8	43.9	64.5	193.8	42.5	46.6	41.7	63.0	188.7	40.3	44.2	41.5	62.7	180.6	38.8	43.8	38.3	59.7	167.2	35.9	40.5	36.7	54.1	153.8	32.5	37.5	34.4	49.4	143.7	31.1	34.8	31.4	46.4
Operating Result	127.3	87.3	40.0	125.2	25.0	( 7.8 )	55.5	52.5	225.7	34.7	74.4	82.6	34.0	218.2	55.1	77.2	65.7	20.2	222.7	72.8	85.4	35.2	29.3	265.3	40.7	78.5	81.7	64.4	175.1	49.7	70.7	23.5	31.2	189.6	39.4	51.5	54.9	43.8	88.6	27.9	60.2	( 20.5 )	21.0	108.3	0.9	34.3	45.9	27.2	121.8	23.8	36.1	54.8	7.1	43.0	17.6	( 9.9 )	10.8	24.5
Accident & Health	20.4	5.3	15.1	40.9	10.7	20.8	2.6	6.8	32.5	10.6	15.8	6.1	0.0	48.2	11.7	18.9	10.6	7.0	46.8	20.5	25.4	( 7.2 )	8.1	50.1	20.9	12.3	10.4	6.5	38.4	16.6	18.8	( 2.2 )	5.2	34.6	6.1	9.4	7.0	12.1	58.2	11.6	20.8	18.6	7.2	48.6	1.2	15.0	17.6	14.8	55.5	10.0	11.2	15.3	19.0	23.1	6.7	0.3	( 1.6 )	17.7
Motor	45.4	26.7	18.7	156.6	72.9	20.1	32.4	31.2	94.4	6.4	26.0	36.4	25.6	52.8	10.6	15.8	9.0	17.4	81.5	18.8	19.7	18.8	24.1	67.3	( 5.8 )	6.8	35.2	31.1	59.8	4.7	19.5	13.5	22.1	76.4	18.2	24.8	11.7	21.7	38.7	11.3	20.4	( 7.3 )	14.3	30.2	10.2	15.1	( 0.5 )	5.4	33.0	5.3	2.5	19.6	5.6	53.1	17.8	14.5	7.3	13.5
Household	25.3	38.5	( 13.2 )	( 141.9 )	( 86.0 )	( 67.4 )	7.1	4.4	53.5	18.6	21.4	33.2	( 19.7 )	56.1	18.1	24.0	27.6	( 13.6 )	39.2	23.1	26.6	9.6	( 20.0 )	109.8	18.3	42.3	33.9	15.3	60.3	26.0	28.7	( 1.6 )	7.2	79.2	31.0	11.5	32.1	4.6	31.5	15.1	17.3	( 6.6 )	5.7	32.9	( 7.2 )	13.1	23.3	3.7	34.7	10.2	24.2	18.9	( 18.5 )	( 35.4 )	( 2.4 )	( 22.4 )	5.2	( 15.8 )
Other	36.2	16.8	19.4	69.6	27.4	18.7	13.4	10.1	45.3	( 0.9 )	11.2	6.8	28.2	61.1	14.7	18.5	18.5	9.4	55.2	10.5	13.6	14.0	17.1	38.1	7.3	17.1	2.2	11.5	16.6	2.4	3.7	13.8	( 3.3 )	( 0.6 )	( 15.9 )	5.8	4.1	5.4	( 39.8 )	( 10.1 )	1.8	( 25.3 )	( 6.2 )	( 3.4 )	( 3.3 )	( 8.9 )	5.5	3.3	( 1.4 )	( 1.6 )	( 1.8 )	1.0	1.0	2.2	( 4.5 )	( 2.3 )	( 0.1 )	9.1
Net underwriting Result	69.3	56.8	12.5	26.4	( 7.8 )	( 32.8 )	38.0	29.0	167.6	21.8	55.8	68.2	21.8	121.2	28.9	49.4	44.1	( 1.3 )	127.5	49.0	67.3	12.3	( 1.1 )	166.9	22.5	55.4	55.8	33.2	73.2	32.9	48.5	( 9.3 )	1.1	96.7	17.4	30.2	29.8	19.3	( 21.3 )	3.8	25.5	( 44.3 )	( 6.3 )	2.3	( 29.1 )	9.6	20.5	1.3	8.4	( 6.4 )	13.3	18.6	( 17.1 )	( 17.2 )	( 5.0 )	( 12.5 )	( 5.0 )	5.3
Accident & Health	( 2.2 )	( 6.8 )	4.6	6.7	( 2.6 )	12.5	( 2.2 )	( 1.0 )	21.6	8.1	11.1	3.6	( 1.2 )	20.3	3.6	10.4	4.2	2.1	23.7	14.6	22.3	( 12.5 )	( 0.7 )	24.6	17.3	6.6	3.6	( 2.9 )	11.4	14.1	13.7	( 12.6 )	( 3.8 )	9.7	0.6	4.4	( 0.4 )	5.1	22.6	4.7	8.6	11.4	( 2.1 )	12.5	( 9.6 )	7.2	8.9	6.0	14.5	( 0.9 )	3.5	0.9	11.0	10.9	( 0.5 )	4.1	( 5.5 )	12.8
Motor	29.5	18.7	10.8	125.0	63.3	12.1	26.2	23.4	71.2	0.9	19.4	30.7	20.2	19.7	1.9	6.6	1.6	9.6	44.3	9.5	12.0	9.8	13.0	30.1	( 13.5 )	( 2.1 )	25.6	20.1	22.5	( 2.6 )	11.0	2.5	11.6	42.0	9.9	16.4	2.8	12.9	0.9	2.5	9.1	( 15.8 )	5.1	( 5.5 )	0.2	6.7	( 9.1 )	( 3.3 )	( 2.5 )	( 4.7 )	( 5.0 )	9.2	( 2.0 )	30.4	10.6	11.4	1.8	6.6
Household	15.2	32.7	( 17.5 )	( 156.6 )	( 90.1 )	( 71.8 )	4.3	1.0	42.9	16.8	17.9	30.4	( 22.2 )	40.0	13.8	19.5	24.4	( 17.7 )	25.2	19.7	23.7	6.1	( 24.3 )	96.0	15.8	39.1	30.2	10.9	44.8	23.2	25.0	( 6.3 )	2.9	65.0	27.7	8.2	28.3	0.8	14.9	11.4	12.1	( 10.3 )	1.7	17.0	( 11.3 )	8.9	19.6	( 0.2 )	17.3	6.0	20.7	13.4	( 22.8 )	( 47.6 )	( 6.6 )	( 23.8 )	2.2	( 19.4 )
Other	26.7	12.1	14.6	51.3	21.6	14.4	9.7	5.6	32.0	( 3.9 )	7.4	3.5	25.0	41.1	9.5	12.9	13.9	4.7	34.3	5.3	9.2	9.0	10.8	16.2	2.9	11.8	( 3.6 )	5.1	( 5.5 )	( 1.8 )	( 1.2 )	7.1	( 9.6 )	( 20.0 )	( 20.8 )	1.2	( 0.9 )	0.5	( 59.7 )	( 14.8 )	( 4.3 )	( 29.6 )	( 11.0 )	( 21.7 )	( 8.4 )	( 13.2 )	1.1	( 1.2 )	( 20.9 )	( 6.8 )	( 5.9 )	( 4.9 )	( 3.3 )	( 10.9 )	( 8.5 )	( 4.3 )	( 3.5 )	5.4
Investment Result	58.0	30.5	27.5	98.8	32.8	25.0	17.5	23.5	58.1	12.9	18.6	14.4	12.2	97.0	26.2	27.8	21.5	21.5	95.2	23.8	18.1	22.8	30.5	98.4	18.2	23.1	25.9	31.2	101.9	16.8	22.2	32.8	30.1	92.9	22.0	21.3	25.1	24.5	109.9	24.1	34.7	23.8	27.3	106.0	30.0	24.7	25.4	25.9	113.4	30.2	22.9	36.1	24.2	68.1	24.6	3.9	18.3	21.3
Accident & Health	22.6	12.1	10.5	34.2	13.3	8.2	4.9	7.8	11.0	2.6	4.6	2.6	1.2	27.9	8.1	8.6	6.3	4.9	23.1	5.9	3.1	5.3	8.8	25.5	3.6	5.6	6.9	9.4	27.0	2.5	5.1	10.4	9.0	24.9	5.5	5.0	7.4	7.0	35.6	6.9	12.2	7.2	9.3	36.1	10.8	7.8	8.7	8.8	41.0	10.9	7.6	14.5	8.0	17.9	8.4	( 2.4 )	5.3	6.6
Motor	15.9	8.0	7.9	31.6	9.6	8.0	6.2	7.8	23.2	5.5	6.6	5.7	5.4	33.1	8.7	9.2	7.4	7.8	37.2	9.3	7.8	9.0	11.1	37.2	7.7	9.0	9.5	11.0	37.3	7.3	8.5	11.0	10.5	34.4	8.3	8.4	8.9	8.8	37.8	8.8	11.3	8.5	9.2	35.7	10.0	8.4	8.6	8.7	35.5	10.0	7.6	10.3	7.6	24.2	7.8	2.9	6.3	7.2
Household	10.2	5.9	4.3	14.7	4.1	4.4	2.8	3.4	10.6	1.8	3.5	2.9	2.4	16.1	4.3	4.5	3.2	4.1	14.0	3.3	2.9	3.5	4.3	13.8	2.5	3.2	3.7	4.4	15.5	2.8	3.7	4.7	4.3	14.2	3.3	3.3	3.8	3.8	16.6	3.7	5.2	3.7	4.0	15.9	4.1	4.2	3.7	3.9	17.4	4.1	3.6	5.4	4.3	12.8	4.2	1.6	3.3	3.7
Other	9.5	4.7	4.8	18.4	5.9	4.4	3.6	4.5	13.3	3.0	3.8	3.3	3.2	20.0	5.2	5.5	4.6	4.7	20.9	5.2	4.4	5.0	6.3	21.9	4.4	5.3	5.8	6.4	22.1	4.2	4.9	6.7	6.3	19.4	4.9	4.6	5.0	4.9	19.9	4.7	6.0	4.4	4.8	18.3	5.1	4.3	4.4	4.5	19.5	5.2	4.1	5.9	4.3	13.2	4.1	1.9	3.4	3.8
Other Result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 7.9 )	( 1.9 )	( 1.3 )	( 2.6 )	( 2.1 )
Accident & Health	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 5.7 )	( 1.3 )	( 1.3 )	( 1.4 )	( 1.7 )
Motor	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 1.5 )	( 0.6 )	0.2	( 0.9 )	( 0.2 )
Household	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 0.6 )	0.0	( 0.2 )	( 0.2 )	( 0.2 )
Other	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 0.1 )	0.0	0.0	( 0.1 )	0.0
Net Earned Premiums	753.0	377.6	375.5	1,501.8	383.3	390.4	367.9	360.2	1,376.8	345.5	351.5	337.3	342.5	1,527.3	390.4	388.5	381.6	366.8	1,944.4	493.9	492.5	479.7	478.3	1,860.9	471.5	468.6	464.7	456.1	1,836.1	462.1	464.3	458.4	451.2	1,832.4	459.3	461.8	456.9	454.4	1,815.1	468.5	456.8	444.7	445.1	1,785.0	461.8	451.0	439.8	432.4	1,698.2	429.3	428.5	422.9	417.5	1,601.1	404.3	401.7	400.6	394.4
Claims Ratio	56.2%	50.3%	62.0%	65.0%	69.2%	76.6%	55.7%	57.5%	51.7%	57.3%	48.4%	42.9%	58.1%	55.5%	56.2%	51.4%	51.6%	63.3%	56.0%	52.4%	49.7%	59.6%	62.7%	53.1%	58.0%	50.4%	49.8%	54.2%	58.3%	56.2%	51.7%	63.9%	61.4%	56.9%	58.0%	56.1%	55.8%	57.8%	63.5%	62.3%	56.7%	71.6%	63.9%	63.2%	70.2%	61.5%	57.9%	62.9%	62.7%	64.3%	60.5%	59.0%	67.2%	64.3%	64.2%	66.1%	64.8%	61.9%
of which Prior Year claims ratio	(10.0%)	(11.8%)	(8.2%)	(12.0%)	(19.7%)	(2.0%)	(12.9%)	(13.7%)	(8.5%)	1.9%	(8.8%)	(9.3%)	(18.1%)	(11.0%)	(10.2%)	(10.2%)	(13.4%)	(10.4%)	(8.3%)	(6.8%)	(8.1%)	(10.1%)	(8.1%)	(7.7%)	(3.3%)	(4.9%)	(7.6%)	(15.0%)	(8.2%)	(5.7%)	(1.8%)	(9.2%)	(16.3%)	(7.2%)	(2.8%)	(5.7%)	(7.0%)	(13.3%)	(3.4%)	(2.1%)	(2.9%)	(3.5%)	(4.9%)	(3.6%)	(1.9%)	(0.9%)	(5.0%)	(6.9%)	(4.5%)	(0.2%)	(0.8%)	(7.8%)	(9.6%)	(7.3%)	(7.7%)	(4.2%)	(7.3%)	(9.9%)
Expense Ratio	34.6%	34.7%	34.7%	33.2%	32.8%	31.8%	34.0%	34.5%	36.1%	36.4%	35.7%	36.9%	35.5%	36.6%	36.4%	35.8%	36.8%	37.0%	37.4%	37.7%	36.7%	37.8%	37.6%	37.9%	37.2%	37.8%	38.2%	38.5%	37.7%	36.6%	37.9%	38.1%	38.3%	37.8%	38.2%	37.4%	37.7%	38.0%	37.7%	36.9%	37.7%	38.4%	37.5%	36.7%	36.1%	36.4%	37.5%	36.8%	36.8%	37.2%	36.4%	36.6%	36.9%	36.8%	37.1%	37.0%	36.4%	36.7%
Combined Ratio	90.8%	85.0%	96.7%	98.2%	102.0%	108.4%	89.7%	92.0%	87.8%	93.7%	84.1%	79.8%	93.6%	92.1%	92.6%	87.2%	88.4%	100.3%	93.4%	90.1%	86.4%	97.4%	100.3%	91.0%	95.2%	88.2%	88.0%	92.7%	96.0%	92.8%	89.6%	102.0%	99.7%	94.7%	96.2%	93.5%	93.5%	95.8%	101.2%	99.2%	94.4%	110.0%	101.4%	99.9%	106.3%	97.9%	95.4%	99.7%	99.5%	101.5%	96.9%	95.6%	104.1%	101.1%	101.3%	103.1%	101.2%	98.6%
Non Life Accident & Health
Net Earned Premiums	261.5	128.8	132.7	549.1	140.2	147.0	132.5	129.4	472.8	116.0	121.7	115.0	120.1	502.4	131.9	128.1	126.3	116.1	521.6	135.0	132.0	127.5	127.1	480.6	121.3	120.1	120.7	118.5	471.5	116.3	120.1	118.7	116.4	484.2	118.4	123.1	120.5	122.2	503.9	132.0	123.3	127.1	121.5	507.2	136.8	126.0	120.7	123.7	480.0	118.2	120.1	119.5	122.2	451.0	108.1	111.9	115.1	115.9
Claims Ratio	77.3%	81.0%	73.6%	77.4%	81.4%	71.0%	79.0%	78.8%	71.4%	68.5%	67.0%	71.9%	78.4%	72.0%	73.8%	68.4%	71.9%	74.0%	71.0%	65.2%	59.4%	84.5%	75.6%	68.0%	60.6%	67.6%	70.0%	74.0%	70.0%	61.1%	61.2%	82.8%	74.8%	70.4%	69.5%	70.0%	73.1%	68.9%	70.1%	72.0%	66.7%	65.5%	76.4%	73.7%	84.1%	70.2%	67.3%	72.0%	73.0%	74.9%	74.3%	75.4%	67.5%	73.8%	75.8%	71.3%	82.4%	65.8%
Expense Ratio	23.5%	24.3%	22.9%	21.4%	20.4%	20.5%	22.7%	22.0%	24.0%	24.5%	23.9%	25.0%	22.6%	24.0%	23.5%	23.5%	24.7%	24.2%	24.4%	24.0%	23.7%	25.3%	24.9%	26.9%	25.2%	26.8%	27.1%	28.4%	27.6%	26.7%	27.4%	27.8%	28.5%	27.6%	30.0%	26.4%	27.2%	26.9%	25.4%	24.5%	26.3%	25.5%	25.3%	23.8%	22.9%	24.1%	25.4%	23.1%	24.0%	25.9%	22.7%	23.9%	23.5%	23.8%	24.7%	25.0%	22.4%	23.2%
Combined Ratio	100.8%	105.3%	96.5%	98.8%	101.8%	91.5%	101.7%	100.8%	95.4%	93.0%	90.9%	96.9%	101.0%	96.0%	97.3%	91.9%	96.6%	98.2%	95.4%	89.2%	83.1%	109.8%	100.5%	94.9%	85.8%	94.4%	97.1%	102.4%	97.6%	87.8%	88.6%	110.6%	103.3%	98.0%	99.5%	96.4%	100.3%	95.8%	95.5%	96.5%	93.0%	91.0%	101.7%	97.5%	107.0%	94.3%	92.7%	95.1%	97.0%	100.8%	97.0%	99.3%	91.0%	97.6%	100.5%	96.3%	104.8%	89.0%
Non Life Motor
Net Earned Premiums	204.8	103.3	101.5	401.6	103.0	101.7	99.8	97.1	380.2	96.7	96.6	93.6	93.3	430.1	109.1	108.9	106.6	105.5	596.3	151.7	151.1	148.5	145.0	578.0	146.8	145.8	143.8	141.6	570.2	143.7	143.7	142.6	140.2	567.9	142.1	143.6	142.3	139.9	561.9	142.9	141.7	139.0	138.3	551.8	141.5	140.2	137.0	133.0	539.6	136.7	136.2	133.9	132.8	524.9	133.6	133.3	130.1	127.9
Claims Ratio	50.3%	47.2%	53.5%	34.2%	4.6%	54.2%	39.3%	39.5%	43.8%	62.3%	42.8%	29.1%	40.6%	57.7%	60.5%	56.8%	60.3%	53.0%	55.3%	56.3%	55.7%	56.0%	53.1%	58.0%	73.2%	64.8%	44.8%	48.8%	59.7%	66.7%	55.4%	61.6%	54.8%	56.2%	57.2%	52.4%	61.9%	53.4%	62.6%	60.8%	56.5%	73.9%	59.3%	64.7%	63.9%	59.8%	69.8%	65.6%	64.7%	67.9%	68.4%	57.4%	65.2%	58.9%	57.3%	56.3%	63.0%	59.1%
Expense Ratio	35.3%	34.7%	35.9%	34.7%	34.0%	33.9%	34.4%	36.4%	37.5%	36.8%	37.1%	38.2%	37.7%	37.7%	37.7%	37.1%	38.3%	37.9%	37.3%	37.4%	36.4%	37.4%	37.9%	36.8%	36.0%	36.7%	37.4%	37.0%	36.4%	35.1%	36.9%	36.7%	36.9%	36.4%	35.9%	36.2%	36.1%	37.3%	37.2%	37.4%	37.1%	37.5%	37.0%	36.3%	35.9%	35.5%	36.8%	36.9%	35.8%	35.5%	35.3%	35.7%	36.3%	35.3%	34.8%	35.1%	35.6%	35.8%
Combined Ratio	85.6%	81.9%	89.4%	68.9%	38.6%	88.1%	73.7%	75.9%	81.3%	99.1%	79.9%	67.3%	78.3%	95.4%	98.2%	93.9%	98.6%	90.9%	92.6%	93.7%	92.1%	93.4%	91.0%	94.8%	109.2%	101.5%	82.2%	85.8%	96.1%	101.8%	92.3%	98.3%	91.7%	92.6%	93.1%	88.6%	98.0%	90.7%	99.8%	98.2%	93.6%	111.4%	96.3%	101.0%	99.8%	95.3%	106.6%	102.5%	100.5%	103.4%	103.7%	93.1%	101.5%	94.2%	92.1%	91.4%	98.6%	94.9%
Non Life Household
Net Earned Premiums	213.2	107.8	105.4	410.2	103.7	104.4	101.4	100.7	398.1	101.2	100.4	99.0	97.5	448.5	113.3	113.4	111.6	110.2	620.7	156.4	157.6	154.0	152.7	609.3	155.6	153.4	151.2	149.1	604.5	153.3	151.8	150.6	148.8	595.3	152.2	148.9	147.5	146.7	579.2	149.2	146.8	140.2	143.0	564.0	142.8	143.2	141.6	136.5	529.9	137.1	134.7	130.9	127.3	483.5	126.5	120.5	120.3	116.2
Claims Ratio	47.8%	24.9%	71.3%	93.4%	141.6%	125.6%	50.5%	53.6%	43.0%	37.3%	36.3%	22.7%	76.5%	44.3%	40.6%	36.6%	31.5%	69.0%	49.3%	40.2%	39.0%	49.5%	69.3%	38.6%	44.5%	29.1%	34.1%	46.9%	47.8%	41.4%	38.6%	58.9%	52.8%	43.9%	37.1%	49.2%	35.4%	54.0%	51.7%	47.8%	46.2%	60.1%	53.1%	51.4%	62.2%	48.8%	40.4%	54.2%	50.5%	49.4%	38.8%	43.8%	71.0%	63.0%	60.1%	72.4%	50.8%	68.8%
Expense Ratio	45.1%	44.8%	45.4%	44.8%	45.2%	43.1%	45.3%	45.5%	46.2%	46.2%	45.9%	46.6%	46.2%	46.8%	47.2%	46.1%	46.7%	47.1%	46.6%	47.2%	45.9%	46.5%	46.6%	45.6%	45.3%	45.4%	45.9%	45.8%	44.8%	43.4%	45.0%	45.3%	45.3%	45.2%	44.7%	45.3%	45.4%	45.5%	45.7%	44.6%	45.6%	47.2%	45.8%	45.6%	45.7%	45.0%	45.7%	46.0%	46.2%	46.3%	45.9%	45.9%	46.9%	46.9%	45.2%	47.3%	47.4%	47.9%
Combined Ratio	92.9%	69.7%	116.7%	138.2%	186.8%	168.7%	95.8%	99.1%	89.2%	83.5%	82.2%	69.3%	122.7%	91.1%	87.8%	82.7%	78.2%	116.1%	95.9%	87.4%	84.9%	96.0%	115.9%	84.2%	89.8%	74.5%	80.0%	92.7%	92.6%	84.8%	83.6%	104.2%	98.1%	89.1%	81.8%	94.5%	80.8%	99.5%	97.4%	92.4%	91.8%	107.3%	98.9%	97.0%	107.9%	93.8%	86.1%	100.2%	96.7%	95.7%	84.7%	89.7%	117.9%	109.9%	105.3%	119.7%	98.2%	116.7%
Non Life Other
Net Earned Premiums	73.5	37.6	35.9	140.9	36.4	37.3	34.2	33.0	125.7	31.5	32.8	29.8	31.6	146.3	36.1	38.1	37.1	35.0	205.8	50.8	51.8	49.8	53.4	193.0	47.8	49.3	49.0	46.9	189.9	48.8	48.7	46.6	45.8	185.0	46.6	46.2	46.6	45.6	170.1	44.3	45.1	38.4	42.3	162.0	40.7	41.5	40.6	39.2	148.7	37.3	37.6	38.5	35.2	141.6	36.1	36.1	35.1	34.4
Claims Ratio	21.4%	26.7%	15.8%	21.7%	-1.2%	22.3%	28.8%	39.1%	28.8%	65.1%	33.4%	41.3%	-24.1%	26.8%	27.4%	22.7%	17.6%	40.5%	40.3%	44.7%	39.5%	37.8%	39.2%	46.8%	48.7%	31.9%	62.8%	43.9%	58.3%	60.4%	58.5%	39.2%	75.3%	65.8%	99.8%	53.2%	56.5%	53.3%	87.5%	86.6%	64.1%	125.0%	79.4%	66.1%	73.4%	84.8%	50.5%	54.9%	65.9%	72.4%	65.8%	65.0%	60.0%	58.2%	68.8%	64.9%	61.9%	36.3%
Expense Ratio	42.2%	41.1%	43.5%	41.9%	42.1%	39.1%	42.7%	43.9%	45.8%	47.4%	44.0%	46.9%	45.0%	45.1%	46.3%	43.7%	44.6%	46.0%	43.0%	44.8%	42.9%	44.0%	40.6%	44.8%	45.3%	44.2%	44.3%	45.4%	44.6%	43.1%	44.0%	45.6%	45.6%	45.0%	44.8%	44.3%	45.3%	45.7%	47.6%	46.8%	45.3%	52.1%	46.6%	47.2%	47.0%	46.9%	46.9%	48.2%	48.1%	45.6%	49.8%	47.9%	49.4%	49.5%	54.7%	46.9%	48.0%	48.1%
Combined Ratio	63.6%	67.8%	59.3%	63.6%	40.9%	61.4%	71.5%	83.0%	74.6%	112.5%	77.4%	88.2%	20.9%	71.9%	73.7%	66.4%	62.2%	86.5%	83.3%	89.5%	82.4%	81.8%	79.8%	91.6%	94.0%	76.1%	107.1%	89.3%	102.9%	103.5%	102.5%	84.8%	120.9%	110.8%	144.6%	97.5%	101.8%	99.0%	135.1%	133.4%	109.4%	177.1%	126.0%	113.3%	120.4%	131.7%	97.4%	103.1%	114.0%	118.0%	115.6%	112.9%	109.4%	107.7%	123.5%	111.8%	109.9%	84.4%
Margins in % of Net Earned Premiums (excluding associates)
Operating Margin	16.90%	23.12%	10.65%	8.34%	6.52%	(2.00%)	15.09%	14.58%	16.39%	10.04%	21.17%	24.49%	9.94%	14.29%	14.11%	19.87%	17.22%	5.51%	11.45%	14.74%	17.34%	7.35%	6.13%	14.26%	8.64%	16.76%	17.59%	14.10%	9.53%	10.77%	15.21%	5.12%	6.92%	10.35%	8.58%	11.14%	12.01%	9.64%	4.88%	5.96%	13.18%	(4.61%)	4.72%	6.07%	0.19%	7.61%	10.43%	6.29%	7.17%	5.54%	8.42%	12.96%	1.68%	2.69%	4.35%	(2.46%)	2.70%	6.21%
Net Underwriting margin	9.20%	15.04%	3.33%	1.76%	(2.04%)	(8.38%)	10.33%	8.06%	12.17%	6.31%	15.89%	20.20%	6.38%	7.94%	7.40%	12.75%	11.57%	(0.35%)	6.55%	9.93%	13.63%	2.60%	(0.25%)	8.97%	4.76%	11.83%	12.02%	7.26%	3.98%	7.15%	10.42%	(2.04%)	0.26%	5.28%	3.79%	6.52%	6.54%	4.24%	(1.18%)	0.80%	5.59%	(9.93%)	(1.45%)	0.12%	(6.33%)	2.14%	4.65%	0.30%	0.49%	(1.49%)	3.10%	4.40%	(4.11%)	(1.08%)	(1.25%)	(3.11%)	(1.24%)	1.35%
Investment margin	7.70%	8.08%	7.32%	6.58%	8.56%	6.38%	4.76%	6.52%	4.22%	3.73%	5.28%	4.29%	3.56%	6.35%	6.71%	7.12%	5.65%	5.86%	4.90%	4.81%	3.71%	4.75%	6.38%	5.29%	3.88%	4.93%	5.57%	6.84%	5.55%	3.62%	4.79%	7.16%	6.66%	5.07%	4.79%	4.62%	5.47%	5.40%	6.06%	5.17%	7.57%	5.33%	6.17%	5.95%	6.49%	5.47%	5.78%	5.99%	6.68%	7.03%	5.32%	8.56%	5.80%	4.25%	6.08%	0.97%	4.57%	5.40%
Other margin	(0.49%)	(0.47%)	(0.32%)	(0.65%)	(0.53%)
OTHER DATA	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
No of FTEs	6,127	6,127	6,071	6,111	6,111	6,181	5,880	5,716	5,784	5,784	6,069	5,688	5,602	6,377	6,377	6,434	6,350	6,361	6,368	6,368	6,414	6,305	6,241	6,229	6,229	6,249	6,214	6,237	6,208	6,208	6,237	6,182	6,137	6,163	6,163	6,203	6,148	6,110	6,117	6,117	6,162	6,104	6,055	6,083	6,083	6,103	6,044	6,025	5,970	5,970	5,986	5,880	5,817	5,806	5,806	5,757	5,700	5,638
Life
Total Technical Liabilities - Life	59,434.9	59,434.9	60,939.9	63,003.9	63,003.9	62,502.0	62,001.6	62,176.4	62,878.6	62,878.6	61,775.1	60,937.6	60,244.5	61,254.8	61,254.8	61,858.1	60,451.1	59,186.2	57,257.0	57,257.0	57,458.7	57,932.1	57,905.8	58,347.5	58,347.5	58,108.6	58,371.0	58,594.0	58,996.7	58,996.7	59,782.3	59,184.4	58,249.5	56,336.1	56,336.1	55,960.5	55,907.5	58,581.7	57,584.8	57,584.8	56,125.7	55,462.2	54,013.5	53,167.1	53,167.1	52,860.2	52,807.9	53,087.8	52,702.4	52,702.4	51,810.5	50,417.0	50,058.0	49,093.0	49,093.0	48,604.4	48,642.1	48,539.9
Guaranteed	48,468.2	48,468.2	49,164.9	50,616.9	50,616.9	50,630.9	50,574.3	51,157.0	52,224.7	52,224.7	51,658.2	51,308.3	51,286.0	51,454.4	51,454.4	52,268.6	51,111.4	50,151.5	49,096.3	49,096.3	48,925.1	49,567.4	49,982.7	50,368.4	50,368.4	50,271.6	50,699.0	51,214.3	52,869.7	52,869.7	53,703.4	53,272.6	52,319.8	50,320.0	50,320.0	50,131.5	49,938.0	52,329.7	51,782.0	51,782.0	50,367.6	49,720.9	48,420.3	47,630.6	47,630.6	47,401.2	47,440.9	47,692.7	47,440.7	47,440.7	46,617.6	45,388.8	44,791.4	43,882.4	43,882.4	43,296.4	42,939.0	42,714.2
Unit linked	10,966.7	10,966.7	11,775.0	12,387.0	12,387.0	11,871.1	11,427.3	11,019.4	10,653.9	10,653.9	10,116.9	9,629.3	8,958.5	9,800.4	9,800.4	9,589.5	9,339.7	9,034.7	8,160.7	8,160.7	8,533.6	8,364.7	7,923.1	7,979.1	7,979.1	7,837.0	7,672.0	7,379.7	6,127.0	6,127.0	6,078.9	5,911.8	5,929.7	6,016.1	6,016.1	5,829.0	5,969.5	6,252.0	5,802.8	5,802.8	5,758.1	5,741.3	5,593.2	5,536.5	5,536.5	5,459.0	5,367.0	5,395.1	5,261.7	5,261.7	5,192.9	5,028.2	5,266.6	5,210.6	5,210.6	5,308.0	5,703.1	5,825.7
Average Life Technical Liabilities (excl shadow accounting)	60,013.9	59,755.3	60,459.5	59,758.3	60,385.2	59,768.2	59,362.5	59,019.7	58,478.0	58,355.1	57,777.9	57,523.4	57,780.1	57,011.7	57,884.3	56,738.6	56,587.5	56,397.4	55,818.1	55,818.1	55,891.0	55,895.4	55,714.1	55,581.2	55,581.2	55,506.2	55,479.9	55,415.6	54,756.1	54,756.1	54,600.7	54,445.4	54,301.0	53,984.6	53,984.6	53,712.9	53,861.2	54,048.2	53,129.3	53,129.3	53,037.3	52,997.0	52,525.0	51,818.4	51,818.4	51,622.3	51,472.5	51,456.8	50,111.6	50,111.6	49,829.3	49,551.2	49,319.3	48,521.3	48,521.3	48,415.4	48,409.5	48,312.1
Guaranteed (excl shadow accounting)	46,532.1	46,572.3	46,545.7	46,409.5	46,446.4	46,326.5	46,325.1	46,349.0	48,250.8	47,969.6	47,904.8	48,229.5	48,400.6	48,031.2	48,189.4	47,863.5	47,837.3	47,799.7	47,748.2	47,748.2	47,634.6	47,723.5	47,763.0	48,009.4	48,009.4	48,005.5	48,061.7	48,143.5	48,684.5	48,684.5	48,553.2	48,481.4	48,328.1	48,075.2	48,075.2	47,897.0	47,975.1	48,020.8	47,459.7	47,459.7	47,390.0	47,358.1	46,960.2	46,419.3	46,419.3	46,261.9	46,158.1	46,128.4	44,919.6	44,919.6	44,654.7	44,382.7	44,080.7	42,916.2	42,916.2	42,711.6	42,573.8	42,410.1
Unit-Linked (excl shadow accounting)	13,481.7	13,183.0	13,913.9	13,348.8	13,938.8	13,441.7	13,037.3	12,670.7	10,227.2	10,385.4	9,873.1	9,293.9	9,379.5	8,980.6	9,695.0	8,875.1	8,750.2	8,597.7	8,069.9	8,069.9	8,256.4	8,171.9	7,951.1	7,571.8	7,571.8	7,500.7	7,418.2	7,272.1	6,071.6	6,071.6	6,047.5	5,964.0	5,972.9	5,909.4	5,909.4	5,815.9	5,886.1	6,027.4	5,669.6	5,669.6	5,647.3	5,638.9	5,564.8	5,399.1	5,399.1	5,360.4	5,314.4	5,328.4	5,192.0	5,192.0	5,174.6	5,168.5	5,238.6	5,605.1	5,605.1	5,703.8	5,835.7	5,902.0
Operating cost Life / FUM Life ratio (annualised)	0.43%	0.43%	0.43%	0.41%	0.38%	0.43%	0.42%	0.43%	0.41%	0.39%	0.42%	0.43%	0.43%	0.41%	0.40%	0.41%	0.42%	0.41%	0.40%	0.39%	0.41%	0.41%	0.40%	0.39%	0.41%	0.39%	0.39%	0.38%	0.38%	0.35%	0.41%	0.38%	0.38%	0.37%	0.33%	0.38%	0.38%	0.39%	0.38%	0.37%	0.38%	0.38%	0.38%	0.37%	0.37%	0.37%	0.37%	0.37%	0.36%	0.34%	0.37%	0.37%	0.38%	0.37%	0.36%	0.37%	0.38%	0.38%
Non Life
Total Technical Liabilities - Non Life	4,461.1	4,461.1	4,656.4	4,344.7	4,344.7	4,456.1	4,302.7	4,304.7	4,085.9	4,085.9	4,092.8	4,124.1	4,269.4	4,078.3	4,078.3	4,099.0	4,132.8	4,208.9	3,997.8	3,997.8	4,065.4	4,109.2	4,115.5	3,937.4	3,937.4	3,947.2	3,951.8	4,001.1	3,886.7	3,886.7	3,926.1	3,999.0	3,933.7	3,779.1	3,779.1	3,793.2	3,789.3	3,862.3	3,710.1	3,710.1	3,714.1	3,731.8	3,630.1	3,552.7	3,552.7	3,526.5	3,531.3	3,552.2	3,405.7	3,405.7	3,356.6	3,333.0	3,323.9	3,195.9	3,195.9	3,223.4	3,193.4	3,220.9
Reserves / Premium ratio	296%	295%	310%	289%	283%	285%	292%	299%	297%	296%	291%	306%	312%	267%	261%	264%	271%	287%	206%	202%	206%	214%	215%	212%	209%	211%	213%	219%	212%	210%	211%	218%	218%	206%	206%	205%	207%	212%	204%	198%	203%	210%	204%	199%	192%	195%	201%	205%	201%	198%	196%	197%	199%	200%	198%	201%	199%	204%
0.0

Annex 9 (EU)

EUROPE
in EUR million
INCOME STATEMENT - LIFE	HY 2022	Q2 2022	Q1 2022	FY 2021	HY 2021	Q2 2021	Q1 2021
Gross written premiums	278.3	137.9	140.4	680.5	354.0	165.3	188.7
Investment contracts without dpf	445.7	199.1	246.6	1,172.1	521.9	331.3	190.6
Gross Inflow Life	724.0	337.0	387.0	1,852.6	875.9	496.7	379.2
Operating result	50.6	25.4	25.2	110.4	57.8	26.0	31.8
Non-allocated other income and expenses	1.5	( 0.1 )	1.6	4.3	1.6	( 3.3 )	4.9
Result before taxation consolidated entities	52.1	25.3	26.8	114.7	59.4	22.7	36.7
Result equity associates	3.8	( 0.8 )	4.6	10.8	3.6	3.6	0.0
Result before taxation	55.9	24.5	31.4	125.5	63.0	26.3	36.7
Income tax expenses	( 12.0 )	( 5.6 )	( 6.4 )	( 34.7 )	( 16.7 )	( 7.0 )	( 9.7 )
Non Controlling interests	( 16.7 )	( 8.6 )	( 8.1 )	( 34.3 )	( 15.9 )	( 5.8 )	( 10.1 )
Net result attributable to shareholders	27.2	10.3	16.9	56.5	30.4	13.5	16.9
INCOME STATEMENT - NON-LIFE	HY 2022	Q2 2022	Q1 2022	FY 2021	HY 2021	Q2 2021	Q1 2021
Gross Written Premiums	1,135.6	557.8	577.8	2,227.2	1,102.7	541.5	561.2
Operating result	44.8	22.2	22.6	145.1	69.8	26.3	43.4
Non-allocated other income and expenses	49.2	( 6.5 )	55.7	( 8.1 )	0.9	4.4	( 3.5 )
Result before taxation consolidated entities	93.9	15.6	78.3	137.0	70.7	30.7	40.0
Result equity associates	( 8.5 )	( 3.8 )	( 4.7 )	10.5	5.4	3.1	2.3
Result before taxation	85.4	11.8	73.6	147.5	76.1	33.8	42.3
Income tax expenses	( 17.9 )	( 1.7 )	( 16.2 )	( 25.0 )	( 9.8 )	2.2	( 12.0 )
Non Controlling interests	0.1	0.0	0.1	0.7	0.3	0.2	0.1
Net result attributable to shareholders	67.6	10.1	57.5	123.2	66.5	36.0	30.5
INCOME STATEMENT - TOTAL	HY 2022	Q2 2022	Q1 2022	FY 2021	HY 2021	Q2 2021	Q1 2021
Gross Inflow	1,859.6	894.8	964.8	4,079.8	1,978.6	1,038.2	940.4
Net result attributable to shareholders	94.8	20.4	74.3	179.8	96.9	49.5	47.4
KEY PERFORMANCE INDICATORS	HY 2022	Q2 2022	Q1 2022	FY 2021	HY 2021	Q2 2021	Q1 2021
Life
Gross Inflow	724.0	337.0	387.0	1,852.6	875.9	496.7	379.2
Individual Single	562.8	261.6	301.2	1,474.1	686.1	416.6	269.5
Individual Regular	138.3	66.6	71.7	298.5	146.9	71.3	75.6
Group Single	2.0	0.4	1.6	2.8	1.2	0.8	0.4
Group Regular	20.9	8.4	12.5	77.3	41.7	8.0	33.7
Gross Inflow	724.0	337.0	387.0	1,852.6	875.9	496.7	379.2
Guaranteed	315.4	159.2	156.2	710.3	344.2	165.8	178.4
Unit-Linked	408.5	177.7	230.8	1,142.3	531.7	330.8	200.9
Operating result	50.6	25.4	25.2	110.4	57.8	26.0	31.8
Guaranteed	40.2	20.6	19.6	89.2	47.6	20.0	27.6
Unit-Linked	10.3	4.6	5.7	20.9	10.2	6.0	4.2
Net underwriting result	14.8	4.4	10.4	58.8	26.3	10.0	16.3
Guaranteed	4.2	( 0.3 )	4.5	39.2	17.9	5.8	12.1
Unit-Linked	10.6	4.7	5.9	19.6	8.3	4.1	4.2
Underwriting result	38.0	19.9	18.1	95.8	48.1	22.6	25.5
Guaranteed	37.2	19.6	17.6	93.1	46.8	22.0	24.8
Unit-Linked	0.8	0.3	0.5	2.7	1.4	0.8	0.6
Expense & Other result	( 23.2 )	( 15.5 )	( 7.7 )	( 37.0 )	( 21.9 )	( 12.8 )	( 9.1 )
Guaranteed	( 32.9 )	( 19.8 )	( 13.1 )	( 53.9 )	( 28.8 )	( 16.1 )	( 12.7 )
Unit-Linked	9.8	4.4	5.4	16.9	6.9	3.3	3.6
Investment result	35.8	21.0	14.8	51.6	31.5	16.0	15.5
Guaranteed	36.0	20.9	15.1	50.0	29.7	14.1	15.6
Unit-Linked	( 0.3 )	0.0	( 0.3 )	1.3	1.8	1.8	0.0
Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	0.72%	0.73%	0.70%	0.75%	0.78%	0.70%	0.86%
Net underwriting margin	0.21%	0.13%	0.29%	0.40%	0.35%	0.27%	0.44%
Underwriting margin	0.54%	0.57%	0.51%	0.65%	0.65%	0.61%	0.68%
Expense & other margin	(0.33%)	(0.44%)	(0.22%)	(0.25%)	(0.29%)	(0.34%)	(0.25%)
Investment margin	0.51%	0.60%	0.41%	0.35%	0.42%	0.43%	0.42%

Guaranteed Margins
Operating Margin	1.02%	1.05%	0.98%	1.08%	1.13%	0.96%	1.31%
Net underwriting margin	0.11%	(0.01%)	0.22%	0.48%	0.43%	0.28%	0.57%
Underwriting margin	0.94%	1.00%	0.89%	1.13%	1.11%	1.05%	1.18%
Expense & other margin	(0.84%)	(1.01%)	(0.66%)	(0.65%)	(0.69%)	(0.77%)	(0.60%)
Investment margin	0.91%	1.07%	0.76%	0.61%	0.71%	0.68%	0.74%

Unit Linked Margins
Operating Margin	0.33%	0.31%	0.36%	0.32%	0.32%	0.37%	0.26%
Net underwriting margin	0.34%	0.31%	0.37%	0.30%	0.26%	0.25%	0.26%
Underwriting margin	0.03%	0.02%	0.03%	0.04%	0.04%	0.05%	0.04%
Expense & other margin	0.31%	0.29%	0.34%	0.26%	0.22%	0.21%	0.22%
Investment margin	(0.01%)	(0.02%)	0.02%	0.06%	0.12%
Non-Life
Gross written premiums	1,135.6	557.8	577.8	2,227.2	1,102.7	541.5	561.2
Accident & Health	256.1	114.2	141.9	438.9	232.8	103.3	129.5
Motor	510.8	259.9	250.9	1,033.1	504.0	251.5	252.5
Household	227.8	109.9	117.9	501.5	236.6	116.5	120.2
Other	141.0	74.0	67.0	253.6	129.3	70.3	59.0
Operating Result	44.8	22.2	22.6	145.1	69.8	26.3	43.4
Accident & Health	16.6	10.0	6.6	38.3	23.6	16.7	6.9
Motor	42.8	16.1	26.7	87.6	46.6	14.4	32.2
Household	( 6.7 )	( 6.7 )	0.0	19.0	1.4	( 1.7 )	3.1
Other	( 7.9 )	2.8	( 10.7 )	0.3	( 1.9 )	( 3.1 )	1.2
Net underwriting Result	24.6	10.8	13.8	103.9	53.0	13.9	39.1
Accident & Health	14.8	8.0	6.8	37.0	23.7	14.6	9.1
Motor	29.7	9.5	20.2	58.1	34.2	6.6	27.6
Household	( 9.3 )	( 8.2 )	( 1.1 )	14.4	( 0.6 )	( 2.9 )	2.3
Other	( 10.5 )	1.6	( 12.1 )	( 5.6 )	( 4.3 )	( 4.4 )	0.1
Investment Result	20.9	10.5	10.4	40.3	16.9	9.5	7.4
Accident & Health	2.4	1.1	1.3	1.2	0.1	0.0	0.1
Motor	13.1	6.6	6.5	28.6	12.3	7.0	5.3
Household	2.6	1.4	1.2	4.6	2.0	1.1	0.9
Other	2.9	1.5	1.4	5.9	2.5	1.4	1.1
Other Result	( 0.7 )	0.9	( 1.6 )	0.9	( 0.1 )	2.9	( 3.0 )
Accident & Health	( 0.5 )	0.9	( 1.4 )	0.0	( 0.1 )	2.2	( 2.3 )
Motor	0.0	0.0	0.0	0.8	0.1	0.8	( 0.7 )
Household	0.0	0.2	( 0.2 )	0.1	0.0	0.1	0.0
Other	( 0.2 )	( 0.2 )	0.0	( 0.1 )	( 0.1 )	( 0.1 )	0.0
Net Earned Premiums	621.4	311.1	310.3	1,238.0	609.1	307.6	301.5
Claims Ratio	63.5%	60.6%	66.5%	59.2%	57.7%	59.8%	55.7%
of which Prior Year claims ratio	(6.6%)	(7.5%)	(5.7%)	(5.3%)	(4.3%)	(5.2%)	(3.3%)
Expense Ratio	32.5%	35.9%	29.0%	32.4%	33.6%	35.7%	31.3%
Combined Ratio	96.0%	96.5%	95.5%	91.6%	91.3%	95.5%	87.0%
Non Life Accident & Health
Net Earned Premiums	133.3	67.1	66.2	250.2	122.4	61.8	60.6
Claims Ratio	68.2%	65.3%	71.2%	63.1%	60.4%	55.9%	64.9%
Expense Ratio	20.7%	22.8%	18.6%	22.1%	20.3%	20.5%	20.2%
Combined Ratio	88.9%	88.1%	89.8%	85.2%	80.7%	76.4%	85.1%
Non Life Motor
Net Earned Premiums	285.0	142.9	142.1	588.5	297.0	148.7	148.3
Claims Ratio	64.9%	65.8%	64.0%	63.8%	59.8%	67.0%	52.6%
Expense Ratio	24.7%	27.6%	21.8%	26.3%	28.7%	28.5%	28.8%
Combined Ratio	89.6%	93.4%	85.8%	90.1%	88.5%	95.5%	81.4%
Non Life Household
Net Earned Premiums	133.2	66.0	67.2	268.2	128.9	65.3	63.6
Claims Ratio	57.6%	53.6%	61.6%	49.6%	51.3%	46.0%	56.7%
Expense Ratio	49.4%	58.8%	40.0%	45.0%	49.2%	58.5%	39.7%
Combined Ratio	107.0%	112.4%	101.6%	94.6%	100.5%	104.5%	96.4%
Non Life Other
Net Earned Premiums	69.8	35.0	34.8	131.1	60.7	31.7	28.9
Claims Ratio	60.4%	43.7%	77.2%	51.0%	55.9%	62.0%	49.2%
Expense Ratio	54.7%	51.9%	57.5%	53.3%	51.2%	51.8%	50.5%
Combined Ratio	115.1%	95.6%	134.7%	104.3%	107.1%	113.8%	99.7%
Margins in % of Net Earned Premiums (excluding associates)
Operating Margin	7.21%	7.14%	7.28%	11.72%	11.45%	8.56%	14.40%
Net Underwriting margin	3.97%	3.46%	4.46%	8.40%	8.70%	4.52%	12.95%
Investment margin	3.36%	3.39%	3.34%	3.25%	2.77%	3.10%	2.44%
Other margin	(0.12%)	0.29%	(0.52%)	0.07%	(0.02%)	0.94%	(1.00%)
OTHER DATA	HY 2022	Q2 2022	Q1 2022	FY 2021	HY 2021	Q2 2021	Q1 2021
No of FTEs	3,594	3,594	3,742	3,752	3,927	3,927	4,007
Life
Total Technical Liabilities - Life	13,606.9	13,606.9	14,514.4	15,192.1	15,518.2	15,518.2	15,611.7
Guaranteed	7,707.1	7,707.1	8,249.0	8,677.6	9,068.0	9,068.0	9,187.7
Unit linked	5,899.8	5,899.8	6,265.4	6,514.5	6,450.2	6,450.2	6,424.0
Average Life Technical Liabilities (excl shadow accounting)	14,096.4	13,933.4	14,355.8	14,711.1	14,834.8	14,795.4	14,864.0
Guaranteed (excl shadow accounting)	7,889.3	7,850.8	7,965.9	8,235.9	8,391.8	8,358.3	8,434.1
Unit-Linked (excl shadow accounting)	6,207.2	6,082.6	6,389.9	6,475.2	6,443.0	6,437.1	6,429.9
Operating cost Life / FUM Life ratio (annualised)	0.58%	0.64%	0.53%	0.49%	0.46%	0.47%	0.45%
Non Life
Total Technical Liabilities - Non Life	3,413.7	3,413.7	3,479.5	3,449.3	3,410.0	3,410.0	3,419.4
Reserves / Premium ratio	275%	274%	561%	279%	280%	277%	284%

Annex 9 (UK)

UNITED KINGDOM
in EUR million
INCOME STATEMENT - LIFE	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross written premiums	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	137.6	37.9	35.8	32.9	31.0	108.1	29.2	27.5	26.4	25.0	85.6	24.5	22.7	20.4	18.0	51.3	15.5	13.8	11.8	10.3
Investment contracts without dpf	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Gross Inflow Life	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	137.6	37.9	35.8	32.9	31.0	108.1	29.2	27.5	26.4	25.0	85.6	24.5	22.7	20.4	18.0	51.3	15.5	13.8	11.8	10.3
Operating result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 4.1 )	( 6.0 )	1.3	0.5	0.1	( 4.1 )	( 0.8 )	( 1.4 )	( 1.1 )	( 0.8 )	( 7.2 )	( 5.9 )	( 0.2 )	( 0.2 )	( 0.9 )	( 7.8 )	( 4.6 )	( 1.1 )	( 0.7 )	( 1.4 )
Non-allocated other income and expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 1.2 )	( 0.5 )	( 0.3 )	( 0.2 )	( 0.2 )	( 0.5 )	( 0.3 )	( 0.2 )	( 0.1 )	0.1	1.0	0.1	0.3	0.2	0.4	1.8	0.4	0.6	0.4	0.4
Result before taxation consolidated entities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 5.3 )	( 6.5 )	1.0	0.3	( 0.1 )	( 4.6 )	( 1.1 )	( 1.6 )	( 1.2 )	( 0.7 )	( 6.2 )	( 5.8 )	0.1	0.0	( 0.5 )	( 6.0 )	( 4.2 )	( 0.5 )	( 0.3 )	( 1.0 )
Result equity associates	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Result before taxation	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 5.3 )	( 6.5 )	1.0	0.3	( 0.1 )	( 4.6 )	( 1.1 )	( 1.6 )	( 1.2 )	( 0.7 )	( 6.2 )	( 5.8 )	0.1	0.0	( 0.5 )	( 6.0 )	( 4.2 )	( 0.5 )	( 0.3 )	( 1.0 )
Income tax expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.2	1.3	( 0.1 )	1.0	0.0	2.5	0.8	1.2	0.4	0.1	6.0	5.3	0.3	0.0	0.4	1.6	1.1	0.2	0.0	0.3
Non Controlling interests	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net result attributable to shareholders	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 3.1 )	( 5.2 )	0.9	1.3	( 0.1 )	( 2.1 )	( 0.3 )	( 0.4 )	( 0.8 )	( 0.6 )	( 0.2 )	( 0.5 )	0.4	0.0	( 0.1 )	( 4.4 )	( 3.1 )	( 0.3 )	( 0.3 )	( 0.7 )
INCOME STATEMENT - NON-LIFE	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross Written Premiums	1,405.6	346.6	376.2	347.5	335.3	1,381.6	313.5	377.7	348.8	341.6	1,374.6	322.3	354.6	362.4	335.3	1,388.4	310.9	355.5	369.9	352.1	1,546.2	328.8	386.5	419.1	411.8	1,719.8	369.9	421.8	474.1	454.0	1,904.8	447.5	526.6	495.3	435.4	1,728.2	395.5	459.0	450.6	423.1	1,654.5	385.3	428.2	438.2	402.7	2,143.4	507.8	533.8	567.9	533.9	1,983.4	460.6	528.9	522.8	471.1
Operating result	68.4	17.5	20.0	4.7	26.2	54.5	6.3	28.9	23.8	( 4.5 )	93.5	6.1	14.4	46.7	26.3	92.6	29.3	30.3	21.4	11.6	23.1	5.8	13.6	9.1	( 5.4 )	( 129.8 )	( 186.8 )	18.8	10.5	27.6	27.5	( 39.9 )	24.9	25.9	16.6	66.5	8.0	30.5	34.6	( 6.5 )	94.4	9.0	26.6	37.0	21.8	113.5	13.4	40.0	43.3	16.8	74.1	23.4	29.4	23.9	( 2.6 )
Non-allocated other income and expenses	( 5.9 )	( 6.4 )	( 1.5 )	5.4	( 3.4 )	1.2	5.2	( 1.5 )	( 1.0 )	( 1.5 )	( 24.0 )	( 5.0 )	( 1.6 )	( 2.1 )	( 15.3 )	3.3	( 1.0 )	5.0	( 0.4 )	( 0.3 )	( 1.7 )	( 1.0 )	( 0.7 )	( 1.9 )	1.9	( 34.1 )	( 34.0 )	( 0.5 )	( 0.4 )	0.9	8.0	4.9	1.8	0.5	0.8	4.8	0.5	1.2	1.7	1.3	10.4	6.6	2.1	0.5	1.2	65.1	51.3	5.5	2.4	5.8	13.3	3.3	4.3	3.2	2.5
Result before taxation consolidated entities	62.6	11.1	18.6	10.1	22.8	55.8	11.6	27.4	22.8	( 6.0 )	69.5	1.1	12.8	44.6	11.0	95.9	28.3	35.3	21.0	11.3	21.4	4.8	12.9	7.2	( 3.5 )	( 163.9 )	( 220.8 )	18.3	10.1	28.5	35.5	( 35.0 )	26.7	26.4	17.4	71.3	8.5	31.7	36.3	( 5.2 )	104.8	15.6	28.7	37.5	23.0	178.6	64.7	45.5	45.7	22.6	87.4	26.7	33.7	27.1	( 0.1 )
Result equity associates	0.0	0.0	0.0	0.0	0.0	14.1	0.6	5.8	7.0	0.7	13.1	2.9	3.5	4.7	2.0	11.2	2.4	4.3	2.9	1.6	13.3	1.2	4.3	4.7	3.1	( 20.7 )	( 29.5 )	4.4	2.3	2.1	( 0.2 )	( 7.1 )	2.6	2.3	2.0	( 2.2 )	( 0.4 )	( 0.1 )	3.3	( 5.0 )	8.2	3.2	3.0	0.5	1.5	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Result before taxation	62.6	11.1	18.6	10.1	22.8	69.9	12.2	33.2	29.8	( 5.3 )	82.6	4.0	16.3	49.3	13.0	107.1	30.7	39.6	23.9	12.9	34.7	6.0	17.2	11.9	( 0.4 )	( 184.6 )	( 250.3 )	22.7	12.4	30.6	35.3	( 42.1 )	29.3	28.7	19.4	69.1	8.1	31.6	39.6	( 10.2 )	113.0	18.8	31.7	38.0	24.5	178.6	64.7	45.5	45.7	22.6	87.4	26.7	33.7	27.1	( 0.1 )
Income tax expenses	( 2.0 )	0.1	( 3.6 )	8.4	( 6.9 )	( 4.8 )	( 0.9 )	( 5.4 )	( 4.5 )	5.9	( 13.9 )	( 1.2 )	( 2.4 )	( 8.1 )	( 2.2 )	( 20.4 )	( 5.3 )	( 8.8 )	( 4.1 )	( 2.2 )	( 5.7 )	( 2.3 )	( 3.1 )	( 1.2 )	0.9	28.6	40.8	( 4.0 )	( 2.3 )	( 5.9 )	( 5.8 )	7.1	( 5.0 )	( 4.6 )	( 3.3 )	2.0	10.8	( 4.3 )	( 4.8 )	0.3	( 23.0 )	( 5.4 )	( 5.4 )	( 7.5 )	( 4.7 )	( 28.9 )	( 1.0 )	( 10.9 )	( 11.4 )	( 5.6 )	( 23.4 )	( 7.7 )	( 8.6 )	( 7.1 )	0.0
Non Controlling interests	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 13.2 )	0.1	( 5.5 )	( 4.7 )	( 3.1 )	( 3.5 )	1.2	( 4.8 )	( 1.6 )	1.7
Net result attributable to shareholders	60.6	11.2	15.1	18.3	16.0	65.1	11.2	27.9	25.4	0.6	68.7	2.8	13.9	41.2	10.8	86.7	25.4	30.8	19.8	10.7	29.0	3.7	14.1	10.7	0.5	( 156.0 )	( 209.5 )	18.7	10.1	24.7	29.5	( 35.0 )	24.3	24.1	16.1	71.1	18.9	27.3	34.8	( 9.9 )	90.0	13.4	26.3	30.5	19.8	136.5	63.8	29.1	29.6	13.9	60.5	20.2	20.3	18.4	1.6
INCOME STATEMENT - TOTAL	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross Inflow	1,405.6	346.6	376.2	347.5	335.3	1,381.6	313.6	377.7	348.7	341.6	1,374.6	322.3	354.6	362.4	335.3	1,388.4	311.0	355.5	369.9	352.1	1,546.2	328.9	386.5	419.1	411.8	1,719.8	369.9	421.8	474.1	454.0	1,904.8	447.5	526.6	495.3	435.4	1,865.8	433.4	494.7	483.5	454.1	1,762.5	414.5	455.7	464.6	427.7	2,229.0	532.3	556.5	588.3	551.9	2,034.7	476.1	542.7	534.5	481.4
Net result attributable to shareholders	60.6	11.2	15.1	18.3	16.0	65.1	11.2	27.9	25.4	0.6	68.7	2.8	13.9	41.2	10.8	86.7	25.4	30.8	19.8	10.7	29.0	3.8	14.1	10.7	0.5	( 156.0 )	( 209.5 )	18.7	10.1	24.7	29.5	( 35.0 )	24.3	24.1	16.1	117.4	37.5	48.0	37.5	( 5.5 )	100.3	13.8	28.8	34.9	22.8	108.0	22.1	35.0	34.0	16.9	86.0	24.3	31.3	25.5	4.9
KEY PERFORMANCE INDICATORS	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Life
Gross Inflow	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	137.6	37.9	35.8	32.9	31.0	108.1	29.2	27.5	26.4	25.0	85.6	24.5	22.7	20.4	18.0	51.3	15.5	13.8	11.8	10.3
Individual Single	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Individual Regular	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	137.6	37.9	35.8	32.9	31.0	108.1	29.2	27.5	26.4	25.0	85.6	24.5	22.7	20.4	18.0	51.3	15.5	13.8	11.8	10.3
Group Single	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Group Regular	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Gross Inflow	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	137.6	37.9	35.8	32.9	31.0	108.1	29.2	27.5	26.4	25.0	85.6	24.5	22.7	20.4	18.0	51.4	15.5	13.8	11.8	10.3
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	137.6	37.9	35.8	32.9	31.0	108.1	29.2	27.5	26.4	25.0	85.6	24.5	22.7	20.4	18.0	51.4	15.5	13.8	11.8	10.3
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Operating result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 4.1 )	( 6.0 )	1.3	0.5	0.1	( 4.1 )	( 0.8 )	( 1.4 )	( 1.1 )	( 0.8 )	( 7.2 )	( 5.9 )	( 0.2 )	( 0.2 )	( 0.9 )	( 7.8 )	( 4.6 )	( 1.1 )	( 0.7 )	( 1.4 )
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 4.1 )	( 6.0 )	1.3	0.5	0.1	( 4.1 )	( 0.8 )	( 1.4 )	( 1.1 )	( 0.8 )	( 7.2 )	( 5.9 )	( 0.2 )	( 0.2 )	( 0.9 )	( 7.8 )	( 4.6 )	( 1.1 )	( 0.7 )	( 1.4 )
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net underwriting result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 4.1 )	( 6.0 )	1.3	0.5	0.1	( 4.1 )	( 0.8 )	( 1.4 )	( 1.1 )	( 0.8 )	( 7.2 )	( 5.9 )	( 0.2 )	( 0.2 )	( 0.9 )	( 9.0 )	( 5.8 )	( 1.1 )	( 0.7 )	( 1.4 )
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 4.1 )	( 6.0 )	1.3	0.5	0.1	( 4.1 )	( 0.8 )	( 1.4 )	( 1.1 )	( 0.8 )	( 7.2 )	( 5.9 )	( 0.2 )	( 0.2 )	( 0.9 )	( 9.0 )	( 5.8 )	( 1.1 )	( 0.7 )	( 1.4 )
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Underwriting result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	7.5	( 3.0 )	4.2	3.3	3.0	14.4	2.8	1.0	4.8	5.8	5.7	( 3.1 )	2.7	3.5	2.5	0.8	( 2.9 )	0.9	1.8	1.0
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	7.5	( 3.0 )	4.2	3.3	3.0	14.4	2.8	1.0	4.8	5.8	5.7	( 3.1 )	2.7	3.5	2.5	0.8	( 2.9 )	0.9	1.8	1.0
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Expense & Other result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 11.6 )	( 3.0 )	( 2.9 )	( 2.8 )	( 2.9 )	( 18.5 )	( 3.6 )	( 2.4 )	( 5.9 )	( 6.6 )	( 12.9 )	( 2.9 )	( 2.9 )	( 3.7 )	( 3.4 )	( 9.8 )	( 2.9 )	( 1.9 )	( 2.7 )	( 2.3 )
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 11.6 )	( 3.0 )	( 2.9 )	( 2.8 )	( 2.9 )	( 18.5 )	( 3.6 )	( 2.4 )	( 5.9 )	( 6.6 )	( 12.9 )	( 2.9 )	( 2.9 )	( 3.7 )	( 3.4 )	( 9.8 )	( 2.9 )	( 1.9 )	( 2.7 )	( 2.3 )
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Investment result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.2	1.2	0.0	0.0	0.0
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.2	1.2	0.0	0.0	0.0
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	(1.52%)	(8.91%)	2.45%	1.15%	0.24%	(3.49%)	(2.66%)	(5.44%)	(4.72%)	(2.54%)	(9.90%)	(32.46%)	(1.19%)	(1.37%)	(3.79%)	(50.65%)	(119.48%)	(60.27%)	(233.33%)
Net underwriting margin	(1.52%)	(9.05%)	2.45%	1.15%	0.24%	(3.49%)	(2.66%)	(5.44%)	(4.72%)	(2.54%)	(9.90%)	(33.01%)	(1.19%)	(1.37%)	(4.63%)	(58.44%)	(150.65%)	(54.79%)	(300.00%)
Underwriting margin	2.80%	(4.45%)	7.90%	7.16%	7.27%	11.90%	8.99%	4.27%	20.15%	18.40%	7.84%	(17.06%)	16.62%	24.05%	25.26%	5.19%	(75.32%)	49.32%	600.00%
Expense & other margin	(4.32%)	(4.60%)	(5.46%)	(6.01%)	(7.03%)	(15.39%)	(11.65%)	(9.71%)	(24.87%)	(20.94%)	(17.74%)	(15.96%)	(17.80%)	(25.43%)	(29.89%)	(63.64%)	(75.32%)	(104.11%)	(900.00%)
Investment margin	7.79%	31.17%

Guaranteed Margins
Operating Margin	(1.52%)	(8.91%)	2.45%	1.15%	0.24%	(3.41%)	(2.66%)	(5.44%)	(4.72%)	(2.54%)	(9.90%)	(32.46%)	(1.19%)	(1.37%)	(3.79%)	(50.65%)	(119.48%)	(60.27%)	(233.33%)
Net underwriting margin	(1.52%)	(9.05%)	2.45%	1.15%	0.24%	(3.49%)	(2.66%)	(5.44%)	(4.72%)	(2.54%)	(9.90%)	(39.61%)	(1.19%)	(1.37%)	(4.63%)	(58.44%)	(233.77%)	(54.79%)	(300.00%)
Underwriting margin	2.80%	(4.45%)	7.90%	7.16%	7.27%	11.90%	8.99%	4.27%	20.15%	18.40%	7.84%	(17.06%)	16.62%	24.05%	25.26%	5.19%	(75.32%)	49.32%	600.00%
Expense & other margin	(4.32%)	(4.60%)	(5.46%)	(6.01%)	(7.03%)	(15.39%)	(11.65%)	(9.71%)	(24.87%)	(20.94%)	(17.74%)	(15.96%)	(17.80%)	(25.43%)	(29.89%)	(63.64%)	(75.32%)	(104.11%)	(900.00%)
Investment margin	7.79%	31.17%

Unit Linked Margins
Operating Margin
Net underwriting margin
Underwriting margin
Expense & other margin
Investment margin
0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Non-Life	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Gross written premiums	1,405.6	346.6	376.2	347.5	335.3	1,381.6	313.5	377.7	348.8	341.6	1,374.6	322.3	354.6	362.4	335.3	1,388.4	310.9	355.5	369.9	352.1	1,546.2	328.8	386.5	419.1	411.8	1,719.8	369.9	421.8	474.1	454.0	1,904.8	447.5	526.6	495.3	435.4	1,728.2	395.5	459.0	450.6	423.1	1,654.5	385.3	428.2	438.2	402.7	2,143.4	507.8	533.8	567.9	533.9	1,983.4	460.6	529.0	522.7	471.1
Accident & Health	8.7	2.2	1.7	3.6	1.2	22.3	2.7	3.6	5.6	10.4	35.9	8.5	10.4	10.6	6.4	31.5	5.1	8.0	11.1	7.3	31.9	6.3	7.7	10.7	7.2	36.5	5.4	8.0	14.2	8.9	70.6	12.6	22.5	21.0	14.5	72.9	15.0	18.3	24.0	15.6	82.5	16.2	22.7	28.1	15.5	55.3	12.3	12.9	15.5	14.6	69.8	13.4	21.4	19.4	15.6
Motor	786.9	182.9	221.0	190.7	192.3	836.0	182.0	232.2	212.1	209.7	886.9	189.7	234.9	240.1	222.2	891.1	196.4	233.7	235.7	225.3	980.3	196.3	247.6	268.8	267.6	1,069.4	224.5	262.1	293.8	289.0	1,166.3	270.5	331.3	304.3	260.2	1,013.7	218.5	275.1	267.5	252.6	958.8	205.4	243.6	264.3	245.5	1,427.0	310.6	358.3	392.9	365.2	1,280.2	298.5	347.1	347.2	287.4
Household	377.6	103.2	96.9	88.3	89.2	340.1	78.4	91.6	87.3	82.8	313.5	88.9	76.0	74.3	74.3	310.7	75.4	75.7	78.3	81.3	360.4	87.4	90.0	91.3	91.7	392.6	92.1	98.2	100.9	101.4	425.7	106.3	110.3	102.8	106.3	415.3	103.3	106.3	100.6	105.1	404.6	106.0	107.3	92.6	98.6	447.9	119.7	114.0	105.3	108.9	455.2	103.5	117.8	109.4	124.5
Other	232.4	58.3	56.6	64.9	52.6	183.1	50.3	50.3	43.8	38.7	138.3	35.2	33.3	37.4	32.4	155.1	34.0	38.1	44.8	38.2	173.6	38.8	41.2	48.3	45.3	221.3	47.9	53.5	65.2	54.7	242.2	58.1	62.5	67.2	54.4	226.3	58.7	59.3	58.5	49.8	208.6	57.7	54.6	53.2	43.1	213.2	65.2	48.6	54.2	45.2	178.2	45.3	42.6	46.7	43.6
Operating Result	68.4	17.5	20.0	4.7	26.2	54.5	6.3	28.9	23.8	( 4.5 )	93.5	6.1	14.4	46.7	26.3	92.6	29.3	30.3	21.4	11.6	23.1	5.8	13.6	9.1	( 5.4 )	( 129.8 )	( 186.8 )	18.8	10.6	27.6	27.5	( 39.9 )	24.9	25.9	16.6	66.5	7.9	30.5	34.6	( 6.5 )	94.4	9.0	26.6	37.0	21.8	113.5	13.4	40.0	43.3	16.8	74.1	23.4	29.4	23.9	( 2.6 )
Accident & Health	1.4	1.2	0.5	( 0.2 )	( 0.1 )	0.5	0.2	0.3	( 0.4 )	0.4	( 4.8 )	( 1.6 )	( 2.0 )	( 1.0 )	( 0.2 )	( 2.4 )	( 1.1 )	( 0.2 )	( 0.4 )	( 0.7 )	( 0.3 )	0.7	( 0.7 )	( 1.1 )	0.8	1.0	2.0	( 0.1 )	( 0.3 )	( 0.6 )	1.6	1.7	0.6	( 0.4 )	( 0.3 )	( 2.4 )	( 1.2 )	( 0.5 )	( 1.4 )	0.7	( 7.2 )	( 1.3 )	( 4.4 )	( 2.1 )	0.6	( 1.8 )	( 0.5 )	( 1.6 )	0.3	0.0	( 5.8 )	( 3.8 )	( 1.6 )	0.1	( 0.5 )
Motor	77.5	16.5	24.2	9.9	26.9	68.4	( 3.6 )	27.8	37.2	7.0	64.2	( 18.6 )	28.2	25.4	29.2	92.2	8.9	23.8	31.3	28.2	26.4	4.3	18.1	( 4.2 )	8.2	( 121.6 )	( 164.2 )	4.2	18.5	19.9	14.3	5.2	3.5	11.0	( 5.4 )	47.2	8.0	13.7	17.6	7.9	68.7	27.1	7.5	22.0	12.1	108.8	11.1	34.5	34.7	28.5	66.7	18.5	24.6	13.9	9.7
Household	( 3.8 )	4.1	( 1.1 )	( 6.1 )	( 0.7 )	( 5.0 )	2.5	0.5	( 1.8 )	( 6.2 )	24.5	18.5	( 1.9 )	7.2	0.7	( 0.6 )	16.6	5.4	( 11.4 )	( 11.2 )	10.4	2.5	1.6	9.9	( 3.6 )	14.7	4.4	8.7	( 5.9 )	7.5	8.9	( 37.9 )	16.4	15.6	14.8	30.0	9.9	12.6	17.0	( 9.5 )	30.4	( 13.4 )	18.9	14.9	10.0	15.2	11.2	8.0	5.1	( 9.1 )	21.4	15.3	8.8	11.2	( 13.9 )
Other	( 6.6 )	( 4.3 )	( 3.5 )	1.1	0.1	( 9.3 )	7.3	0.3	( 11.2 )	( 5.7 )	9.6	7.8	( 9.9 )	15.1	( 3.4 )	3.4	4.8	1.4	1.9	( 4.7 )	( 13.5 )	( 1.8 )	( 5.4 )	4.5	( 10.8 )	( 23.9 )	( 29.0 )	6.0	( 1.7 )	0.8	2.7	( 8.9 )	4.4	( 0.3 )	7.5	( 8.3 )	( 8.8 )	4.7	1.4	( 5.6 )	2.5	( 3.4 )	4.6	2.2	( 0.9 )	( 8.7 )	( 8.4 )	( 0.9 )	3.2	( 2.6 )	( 8.2 )	( 6.6 )	( 2.4 )	( 1.2 )	2.0
Net underwriting Result	32.9	6.2	11.6	( 4.3 )	19.4	28.2	1.6	23.2	18.5	( 15.1 )	52.6	( 3.5 )	6.2	37.4	12.5	42.9	18.0	18.3	9.2	( 2.6 )	( 48.5 )	( 7.2 )	1.8	( 4.9 )	( 38.2 )	( 195.4 )	( 199.4 )	5.1	( 5.4 )	4.3	( 36.9 )	( 58.0 )	9.6	10.4	1.1	3.2	( 5.7 )	14.2	18.0	( 23.3 )	34.9	( 1.8 )	8.0	23.1	5.6	4.9	( 16.1 )	9.5	22.5	( 11.0 )	1.6	1.0	8.5	9.7	( 17.6 )
Accident & Health	1.2	1.1	0.5	( 0.3 )	( 0.1 )	0.3	0.2	0.2	( 0.5 )	0.4	( 5.0 )	( 1.6 )	( 2.1 )	( 1.0 )	( 0.3 )	( 2.7 )	( 1.1 )	( 0.3 )	( 0.5 )	( 0.8 )	( 0.9 )	0.6	( 0.8 )	( 1.3 )	0.6	0.3	1.9	( 0.2 )	( 0.5 )	( 0.9 )	0.7	1.5	0.4	( 0.6 )	( 0.6 )	( 3.4 )	( 1.5 )	( 0.7 )	( 1.7 )	0.5	( 8.3 )	( 0.9 )	( 4.9 )	( 2.6 )	0.1	( 3.6 )	( 0.9 )	( 2.1 )	( 0.2 )	( 0.4 )	( 7.1 )	( 4.1 )	( 1.9 )	( 0.2 )	( 0.9 )
Motor	51.7	8.4	18.0	3.3	22.0	48.7	( 7.1 )	23.6	33.2	( 1.0 )	33.6	( 25.8 )	21.9	18.5	19.0	55.9	0.6	15.0	22.4	17.9	( 24.7 )	( 4.8 )	9.6	( 14.2 )	( 15.3 )	( 167.7 )	( 173.2 )	( 5.4 )	7.5	3.4	( 31.5 )	( 7.7 )	( 7.5 )	0.0	( 16.3 )	2.9	( 1.0 )	2.0	5.7	( 3.8 )	28.4	20.8	( 6.0 )	12.6	1.0	21.3	( 13.0 )	9.8	18.2	6.3	12.3	0.9	8.6	3.3	( 0.5 )
Household	( 7.9 )	2.8	( 2.1 )	( 7.1 )	( 1.5 )	( 7.7 )	1.9	0.0	( 2.4 )	( 7.2 )	20.2	17.5	( 2.8 )	6.3	( 0.8 )	( 6.2 )	15.4	4.1	( 12.8 )	( 12.9 )	1.6	0.8	0.2	8.3	( 7.7 )	6.5	2.8	6.9	( 8.0 )	4.8	1.9	( 40.0 )	14.9	13.9	13.1	22.8	8.2	10.9	15.2	( 11.5 )	23.2	( 15.3 )	17.0	13.3	8.2	4.2	8.4	4.9	3.1	( 12.2 )	11.9	12.8	6.0	9.3	( 16.2 )
Other	( 12.1 )	( 6.1 )	( 4.8 )	( 0.3 )	( 0.9 )	( 13.2 )	6.5	( 0.6 )	( 11.9 )	( 7.2 )	3.8	6.4	( 10.9 )	13.7	( 5.4 )	( 4.1 )	3.1	( 0.5 )	0.1	( 6.8 )	( 24.5 )	( 3.8 )	( 7.2 )	2.3	( 15.8 )	( 34.5 )	( 30.9 )	3.8	( 4.4 )	( 3.0 )	( 8.0 )	( 11.8 )	1.8	( 2.9 )	4.9	( 19.1 )	( 11.4 )	2.0	( 1.2 )	( 8.5 )	( 8.4 )	( 6.4 )	1.9	( 0.2 )	( 3.7 )	( 17.0 )	( 10.7 )	( 3.1 )	1.4	( 4.7 )	( 15.5 )	( 8.6 )	( 4.2 )	( 2.7 )	0.0
Investment Result	35.5	11.3	8.4	9.0	6.8	26.3	4.7	5.7	5.3	10.6	40.9	9.6	8.2	9.2	13.9	49.8	11.4	12.0	12.2	14.2	71.5	12.9	11.8	14.0	32.8	65.6	12.6	13.7	16.0	23.3	64.4	18.1	15.3	15.5	15.5	59.0	14.3	14.3	15.4	15.0	54.2	14.1	15.0	12.7	12.4	77.9	21.3	22.9	13.5	20.2	51.0	15.2	15.0	10.0	10.8
Accident & Health	0.2	0.1	0.0	0.1	0.0	0.2	0.0	0.1	0.0	0.1	0.3	0.1	0.1	0.0	0.1	0.3	0.0	0.1	0.1	0.1	0.6	0.1	0.1	0.2	0.2	0.7	0.1	0.1	0.2	0.3	0.9	0.2	0.2	0.2	0.3	1.0	0.3	0.2	0.3	0.2	1.0	0.3	0.3	0.2	0.2	0.7	0.2	0.2	0.2	0.1	0.6	0.2	0.1	0.1	0.2
Motor	25.8	8.2	6.1	6.6	4.9	19.7	3.5	4.1	4.0	8.1	30.6	7.2	6.2	6.9	10.3	36.3	8.3	8.8	8.9	10.3	51.1	9.1	8.5	10.0	23.5	46.1	9.0	9.6	11.0	16.5	45.8	12.9	11.0	11.0	10.9	41.0	10.0	10.1	10.6	10.3	37.2	9.7	10.4	8.8	8.3	60.1	16.9	18.1	9.8	15.4	36.0	10.9	10.9	6.8	7.4
Household	4.0	1.2	1.0	1.0	0.8	2.6	0.5	0.6	0.5	1.0	4.3	1.0	0.9	0.9	1.5	5.6	1.2	1.3	1.4	1.7	8.9	1.8	1.4	1.6	4.1	8.2	1.6	1.8	2.1	2.7	7.0	2.1	1.5	1.7	1.7	7.0	1.6	1.6	1.9	1.9	6.2	1.7	1.7	1.3	1.5	9.6	2.4	2.6	1.8	2.7	8.1	2.3	2.3	1.7	1.8
Other	5.5	1.8	1.3	1.4	1.0	3.8	0.7	0.9	0.7	1.5	5.8	1.4	1.0	1.4	2.0	7.5	1.7	1.9	1.8	2.1	11.0	2.0	1.8	2.2	5.0	10.6	1.9	2.2	2.7	3.8	10.7	2.9	2.6	2.6	2.6	10.0	2.4	2.4	2.6	2.6	9.8	2.4	2.6	2.4	2.4	7.5	1.9	2.0	1.7	2.0	6.3	1.8	1.7	1.3	1.5
Other Result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4.3	( 0.7 )	2.0	1.2	1.8	5.3	( 3.2 )	3.6	1.2	3.8	30.7	8.2	7.6	7.4	7.5	21.5	7.2	5.9	4.3	4.1
Accident & Health	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.1	( 0.7 )	0.2	0.3	0.3	1.1	0.2	0.3	0.3	0.3	0.7	0.1	0.2	0.1	0.3
Motor	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.3	( 1.0 )	1.6	1.3	1.4	3.1	( 3.4 )	3.1	0.6	2.8	27.4	7.2	6.7	6.7	6.8	18.4	6.7	5.1	3.8	2.8
Household	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.2	0.1	0.1	( 0.1 )	0.1	1.0	0.2	0.2	0.3	0.3	1.4	0.5	0.3	0.3	0.3	1.4	0.2	0.4	0.3	0.5
Other	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.8	0.2	0.3	0.0	0.3	1.1	0.7	0.1	0.0	0.4	0.8	0.4	0.3	0.1	0.1	1.0	0.2	0.1	0.2	0.5
Net Earned Premiums	790.2	201.8	198.2	197.0	193.2	611.9	190.8	185.2	185.1	50.8	495.1	233.6	147.0	225.5	( 111.0 )	1,320.4	307.0	329.8	339.7	344.0	1,493.2	365.7	364.8	382.0	380.7	1,598.4	381.9	387.2	416.1	413.2	1,751.1	450.0	451.3	427.9	421.9	1,612.8	412.6	417.6	397.1	385.5	1,561.6	394.0	393.0	385.7	388.9	2,082.5	573.0	520.7	509.7	478.9	1,524.1	464.8	417.1	347.3	294.9
Claims Ratio	59.4%	60.7%	63.1%	60.0%	53.6%	48.3%	62.4%	52.0%	46.7%	-12.0%	25.3%	67.3%	101.1%	44.2%	252.4%	60.2%	56.1%	59.8%	59.2%	65.1%	68.3%	65.4%	64.0%	66.7%	77.0%	80.7%	120.2%	68.4%	69.7%	66.6%	69.3%	83.4%	64.7%	63.4%	65.3%	66.3%	68.5%	63.2%	61.3%	72.3%	65.6%	69.9%	65.7%	60.7%	66.1%	73.3%	75.4%	71.5%	69.6%	76.7%	74.6%	77.0%	72.3%	70.6%	78.4%
of which Prior Year claims ratio	(6.6%)	(8.0%)	(7.3%)	(5.0%)	(6.1%)	(33.6%)	(5.8%)	(15.3%)	(6.4%)	(303.4%)	(107.8%)	(12.0%)	(15.5%)	(23.8%)	386.5%	(9.2%)	(12.3%)	(6.5%)	(9.5%)	(8.7%)	(1.4%)	(3.7%)	(4.1%)	(1.3%)	3.2%	4.5%	31.0%	(1.5%)	(5.8%)	(4.2%)	(4.4%)	(2.1%)	(8.4%)	(3.7%)	(3.4%)	(4.6%)	(6.9%)	(5.4%)	(5.0%)	(0.6%)	(4.0%)	(6.6%)	(2.9%)	(4.9%)	(1.8%)	(2.1%)	(2.8%)	(2.4%)	(1.3%)	(1.7%)	0.1%	(2.5%)	0.6%	0.3%	3.4%
Expense Ratio	36.4%	36.2%	31.1%	42.2%	36.3%	47.1%	36.8%	35.4%	43.4%	141.7%	64.1%	34.2%	-5.3%	39.2%	(141.2%)	36.6%	38.1%	34.6%	38.1%	35.6%	34.9%	36.6%	35.5%	34.6%	33.0%	31.5%	32.0%	30.3%	31.6%	32.4%	32.8%	29.5%	33.2%	34.2%	34.4%	33.5%	32.9%	33.4%	34.2%	33.8%	32.2%	30.6%	32.3%	33.3%	32.5%	26.5%	27.4%	26.7%	26.0%	25.6%	25.3%	22.8%	25.7%	26.6%	27.6%
Combined Ratio	95.8%	96.9%	94.2%	102.2%	89.9%	95.4%	99.2%	87.4%	90.1%	129.7%	89.4%	101.5%	95.8%	83.4%	111.2%	96.8%	94.2%	94.4%	97.3%	100.7%	103.2%	102.0%	99.5%	101.3%	110.0%	112.2%	152.2%	98.7%	101.3%	99.0%	102.1%	112.9%	97.9%	97.6%	99.7%	99.8%	101.4%	96.6%	95.5%	106.1%	97.8%	100.5%	98.0%	94.0%	98.6%	99.8%	102.8%	98.2%	95.6%	102.3%	99.9%	99.8%	98.0%	97.2%	106.0%
Non Life Accident & Health
Net Earned Premiums	5.7	1.3	1.3	1.5	1.6	15.0	2.4	3.0	4.3	5.3	22.0	6.9	5.3	5.6	4.2	29.5	1.5	7.6	7.7	7.3	30.1	7.6	7.6	7.4	7.5	38.5	7.5	9.2	11.9	9.9	71.8	17.2	23.8	16.2	14.6	71.4	16.0	20.5	18.1	16.8	78.5	19.1	23.7	19.4	16.3	56.7	15.5	12.8	15.5	12.9	65.3	17.4	18.3	16.2	13.4
Claims Ratio	27.4%	-33.9%	26.8%	59.9%	48.3%	26.3%	30.7%	23.5%	46.8%	9.2%	55.8%	64.8%	73.7%	56.2%	18.0%	57.8%	59.9%	56.3%	53.1%	61.0%	56.1%	47.1%	63.8%	67.8%	46.0%	58.4%	41.3%	66.9%	62.3%	58.5%	55.8%	50.4%	55.4%	63.9%	54.1%	66.0%	65.1%	65.6%	71.8%	61.1%	76.2%	70.1%	86.1%	79.9%	64.4%	78.1%	72.2%	89.0%	73.4%	79.9%	87.7%	100.4%	89.1%	77.5%	81.4%
Expense Ratio	50.8%	44.2%	41.1%	54.0%	61.1%	71.6%	60.7%	68.3%	64.6%	84.1%	67.2%	59.1%	66.1%	61.5%	89.3%	51.4%	54.0%	47.7%	52.9%	50.1%	46.7%	44.5%	46.8%	49.1%	46.2%	40.9%	34.1%	35.4%	41.6%	50.6%	43.3%	41.2%	43.0%	40.0%	49.6%	38.7%	43.8%	38.0%	37.5%	36.0%	34.3%	34.7%	34.4%	33.9%	34.4%	28.2%	33.4%	27.2%	27.8%	23.5%	23.2%	23.2%	21.2%	23.9%	25.3%
Combined Ratio	78.2%	10.3%	67.9%	113.9%	109.4%	97.9%	91.4%	91.8%	111.4%	93.3%	123.0%	123.9%	139.8%	117.7%	107.3%	109.2%	113.9%	104.0%	106.0%	111.1%	102.8%	91.6%	110.6%	116.9%	92.2%	99.3%	75.4%	102.3%	103.9%	109.1%	99.1%	91.6%	98.4%	103.9%	103.7%	104.7%	108.9%	103.6%	109.3%	97.1%	110.5%	104.8%	120.5%	113.8%	98.8%	106.3%	105.6%	116.2%	101.2%	103.4%	110.9%	123.6%	110.3%	101.4%	106.7%
Non Life Motor
Net Earned Premiums	453.1	111.5	112.0	114.9	114.7	352.3	115.2	111.7	115.0	10.4	267.0	149.3	109.6	131.9	( 123.8 )	844.1	207.5	206.5	212.6	217.5	947.0	234.4	232.4	241.5	238.7	1,013.6	241.5	245.8	263.8	262.4	1,061.9	278.7	270.2	258.1	254.9	957.9	248.5	245.0	235.1	229.1	906.8	230.7	226.6	224.1	225.4	1,419.5	388.0	359.0	349.7	322.9	949.2	304.1	262.8	209.3	173.0
Claims Ratio	63.8%	69.5%	64.6%	69.2%	51.9%	46.3%	73.9%	50.7%	38.9%	-225.4%	29.7%	82.0%	92.1%	59.2%	179.4%	63.7%	69.9%	63.0%	60.0%	62.1%	75.0%	72.9%	67.5%	78.6%	80.6%	91.0%	145.7%	78.0%	71.5%	72.4%	75.8%	78.8%	74.8%	72.1%	77.1%	74.6%	76.8%	73.8%	72.1%	75.7%	71.9%	69.4%	76.7%	68.2%	73.3%	77.2%	81.9%	75.0%	73.8%	77.6%	79.2%	83.7%	76.4%	77.2%	77.8%
Expense Ratio	24.8%	23.0%	19.3%	27.9%	28.9%	39.9%	32.3%	28.1%	32.2%	335.3%	57.7%	35.3%	-12.2%	26.8%	(64.1%)	29.7%	29.8%	29.7%	29.5%	29.6%	27.6%	29.2%	28.4%	27.3%	25.8%	25.5%	26.0%	24.2%	25.7%	26.3%	27.2%	23.9%	28.0%	27.9%	29.3%	25.1%	23.6%	25.4%	25.5%	25.9%	25.0%	21.6%	26.0%	26.2%	26.3%	21.3%	21.4%	22.3%	21.0%	20.4%	19.5%	16.0%	20.3%	21.2%	22.5%
Combined Ratio	88.6%	92.5%	83.9%	97.1%	80.8%	86.2%	106.2%	78.8%	71.1%	109.9%	87.4%	117.3%	79.9%	86.0%	115.3%	93.4%	99.7%	92.7%	89.5%	91.7%	102.6%	102.1%	95.9%	105.9%	106.4%	116.5%	171.7%	102.2%	97.2%	98.7%	103.0%	102.7%	102.8%	100.0%	106.4%	99.7%	100.4%	99.2%	97.6%	101.6%	96.9%	91.0%	102.7%	94.4%	99.6%	98.5%	103.3%	97.3%	94.8%	98.0%	98.7%	99.7%	96.7%	98.4%	100.3%
Non Life Household
Net Earned Premiums	210.2	55.9	52.8	51.3	50.2	175.8	49.0	47.4	45.2	34.2	165.3	53.2	25.4	57.4	29.3	309.4	73.6	75.9	79.9	80.0	341.1	82.5	82.7	86.8	89.1	360.9	87.4	87.9	92.7	92.9	413.0	101.9	103.9	103.1	104.1	398.9	99.7	102.5	99.4	97.3	374.0	95.4	94.0	90.9	93.7	433.6	115.3	107.4	105.4	105.4	366.3	107.6	99.2	85.7	73.9
Claims Ratio	53.0%	48.9%	58.4%	46.2%	58.8%	52.3%	53.4%	56.6%	39.3%	62.2%	29.6%	37.4%	101.0%	28.8%	(44.9%)	56.9%	36.9%	54.5%	62.3%	72.0%	51.7%	47.1%	52.7%	43.6%	63.1%	57.6%	57.6%	52.2%	67.1%	53.3%	62.2%	104.5%	48.9%	46.2%	49.8%	51.0%	48.5%	47.2%	40.0%	68.9%	51.4%	72.5%	40.0%	42.5%	49.9%	62.3%	54.3%	59.7%	60.4%	75.4%	61.4%	53.9%	59.3%	53.6%	84.1%
Expense Ratio	50.7%	46.1%	45.5%	67.8%	44.1%	52.1%	42.7%	43.4%	66.0%	58.8%	58.2%	29.8%	9.6%	60.3%	147.6%	45.1%	42.1%	40.1%	53.6%	44.2%	47.8%	52.0%	47.0%	47.0%	45.5%	40.6%	39.2%	40.0%	41.5%	41.6%	37.3%	34.7%	36.8%	40.3%	37.6%	43.3%	43.3%	42.2%	44.7%	42.9%	42.4%	43.5%	41.9%	42.8%	41.4%	36.7%	38.4%	35.7%	36.7%	36.1%	35.3%	34.1%	34.6%	35.6%	37.8%
Combined Ratio	103.7%	95.0%	103.9%	114.0%	102.9%	104.4%	96.1%	100.0%	105.3%	121.0%	87.8%	67.2%	110.6%	89.1%	102.7%	102.0%	79.0%	94.6%	115.9%	116.2%	99.5%	99.1%	99.7%	90.6%	108.6%	98.2%	96.8%	92.2%	108.6%	94.9%	99.5%	139.2%	85.7%	86.5%	87.4%	94.3%	91.8%	89.4%	84.7%	111.8%	93.8%	116.0%	81.9%	85.3%	91.3%	99.0%	92.7%	95.4%	97.1%	111.5%	96.7%	88.0%	93.9%	89.2%	121.9%
Non Life Other
Net Earned Premiums	121.2	33.1	32.0	29.4	26.7	68.7	24.1	23.2	20.6	0.8	40.8	24.2	6.8	30.5	( 20.7 )	137.4	19.0	39.8	39.5	39.2	175.0	41.2	42.1	46.3	45.4	185.4	45.5	44.3	47.7	48.0	204.4	52.2	53.4	50.5	48.3	184.6	48.3	49.6	44.4	42.3	202.3	48.8	48.6	51.3	53.5	172.7	54.3	41.6	39.2	37.7	143.2	35.7	36.7	36.1	34.6
Claims Ratio	55.5%	54.7%	66.9%	47.8%	51.3%	53.3%	28.5%	52.3%	106.7%	-521.3%	-37.8%	42.9%	265.5%	6.0%	220.9%	46.3%	-22.1%	53.9%	49.5%	68.5%	67.0%	62.6%	67.2%	47.7%	90.4%	73.7%	118.2%	47.5%	66.8%	62.4%	55.3%	77.9%	48.3%	53.9%	40.0%	56.0%	67.9%	43.3%	47.3%	66.4%	59.8%	67.1%	54.1%	53.2%	64.5%	67.7%	75.2%	66.8%	55.3%	70.7%	71.6%	78.6%	69.7%	70.2%	67.7%
Expense Ratio	54.5%	63.7%	48.2%	53.1%	52.2%	65.8%	44.2%	50.5%	51.0%	1,486.4%	128.5%	30.4%	-6.8%	49.0%	(147.3%)	56.7%	105.7%	47.2%	50.4%	48.8%	47.0%	46.5%	49.9%	47.4%	44.4%	44.9%	49.8%	43.9%	42.3%	44.0%	48.6%	44.8%	48.3%	51.7%	49.9%	54.3%	55.8%	52.6%	55.2%	53.9%	44.4%	46.2%	42.0%	47.1%	42.5%	42.1%	44.6%	40.6%	41.0%	41.8%	39.3%	46.0%	41.8%	37.3%	32.2%
Combined Ratio	110.0%	118.4%	115.1%	100.9%	103.5%	119.1%	72.7%	102.8%	157.7%	965.1%	90.7%	73.3%	258.7%	55.0%	73.6%	103.0%	83.6%	101.1%	99.9%	117.3%	114.0%	109.1%	117.1%	95.1%	134.8%	118.6%	168.0%	91.4%	109.1%	106.4%	103.9%	122.7%	96.6%	105.6%	89.9%	110.3%	123.7%	95.9%	102.5%	120.3%	104.2%	113.3%	96.1%	100.3%	107.0%	109.8%	119.8%	107.4%	96.3%	112.5%	110.9%	124.6%	111.5%	107.5%	99.9%
Margins in % of Net Earned Premiums (excluding associates)
Operating Margin	8.66%	8.67%	10.09%	2.39%	13.56%	8.91%	3.30%	15.60%	12.86%	(8.79%)	18.89%	2.61%	9.80%	20.71%	(23.69%)	7.00%	9.54%	9.19%	6.30%	3.37%	1.54%	1.59%	3.72%	2.37%	(1.41%)	(8.12%)	(48.92%)	4.88%	2.53%	6.69%	1.57%	(8.87%)	5.52%	6.05%	3.93%	4.13%	1.91%	7.30%	8.71%	(1.69%)	6.05%	3.38%	6.16%	7.56%	5.61%	5.45%	2.34%	7.68%	8.47%	3.53%	4.86%	5.03%	7.05%	6.88%	(0.88%)
Net Underwriting margin	4.17%	3.08%	5.83%	(2.17%)	10.05%	4.61%	0.83%	12.56%	9.95%	(29.66%)	10.63%	(1.50%)	4.19%	16.65%	(11.17%)	3.24%	5.84%	5.57%	2.69%	(0.74%)	(3.24%)	(1.96%)	0.50%	(1.29%)	(10.03%)	(12.23%)	(52.22%)	1.32%	(1.29%)	1.03%	(2.10%)	(12.89%)	2.12%	2.43%	0.27%	0.20%	(1.39%)	3.40%	4.57%	(6.08%)	2.23%	0.79%	2.45%	2.97%	1.44%	0.24%	(2.81%)	1.82%	4.41%	(2.29%)	0.10%	0.20%	2.04%	2.78%	(5.96%)
Investment margin	4.49%	5.59%	4.26%	4.56%	3.51%	4.30%	2.47%	3.04%	2.91%	20.87%	8.26%	4.11%	5.61%	4.06%	(12.52%)	3.77%	3.70%	3.62%	3.61%	4.11%	4.78%	3.55%	3.22%	3.66%	8.62%	4.11%	3.30%	3.56%	3.82%	5.66%	3.67%	4.02%	3.40%	3.62%	3.66%	3.66%	3.44%	3.45%	3.88%	3.92%	3.47%	3.13%	2.88%	4.22%	3.19%	3.74%	3.72%	4.41%	2.59%	4.26%	3.35%	3.29%	3.60%	2.88%	3.66%
Other margin	0.27%	(0.17%)	0.48%	0.30%	0.47%	0.35%	(0.51%)	0.81%	0.34%	0.98%	1.47%	1.43%	1.45%	1.45%	1.57%	1.41%	1.55%	1.41%	1.24%	1.39%
OTHER DATA	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
No of FTEs	2,089	2,089	2,179	2,305	2,392	2,431	2,431	2,447	2,540	2,570	2,614	2,614	2,620	2,721	2,855	2,914	2,914	2,923	3,098	3,201	3,324	3,324	3,343	3,511	3,500	3,953	3,953	3,921	3,981	4,177	4,289	4,289	4,557	4,517	4,760	4,626	4,626	4,653	4,951	5,004	4,876	4,876	4,882	5,083	5,183	5,782	5,782	5,246	5,375	5,340	5,238	5,238	5,110	5,147	4,662
Life
Total Technical Liabilities - Life	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	212.7	175.8	153.3	153.3	118.6	96.1	90.4	93.7	93.7	95.0	79.6	47.2	47.8	47.8	25.7	3.5	0.0
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	212.7	175.8	153.3	153.3	118.6	96.1	90.4	93.7	93.7	95.0	79.6	47.2	47.8	47.8	25.7	3.5	0.0
Unit linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Average Life Technical Liabilities (excl shadow accounting)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	269.5	269.5	212.6	181.6	165.1	120.2	120.2	103.0	93.3	44.9	72.7	72.7	67.4	58.2	47.5	15.4	15.4	7.3	1.2	0.0
Guaranteed (excl shadow accounting)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	269.5	269.5	212.6	181.6	165.1	120.2	120.2	103.0	93.3	44.9	72.7	72.7	67.4	58.2	47.5	15.4	15.4	7.3	1.2	0.0
Unit-Linked (excl shadow accounting)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Operating cost Life / FUM Life ratio (annualised)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.43%	11.58%	15.80%	16.74%	17.01%	25.04%	23.63%	28.74%	33.87%	68.60%	42.78%	43.47%	48.07%	51.55%	64.00%	165.58%	187.01%	350.68%	1700.00%
Non Life
Total Technical Liabilities - Non Life	2,605.1	2,605.1	2,571.8	2,551.6	2,552.8	2,426.9	2,426.9	2,445.4	2,408.1	2,538.3	2,630.2	2,630.2	2,537.9	2,503.5	2,621.4	2,559.5	2,559.5	2,709.9	2,732.4	2,809.7	2,797.3	2,797.3	2,870.0	2,883.1	2,959.6	2,694.6	2,694.6	2,496.3	2,576.2	2,670.2	2,908.9	2,908.9	2,854.4	2,919.5	2,845.3	2,691.4	2,691.4	2,740.6	2,674.1	2,572.3	2,524.1	2,524.1	2,553.8	2,467.3	2,493.5	3,435.6	3,435.6	2,735.6	2,651.9	2,457.7	2,347.6	2,347.6	2,169.5	1,930.7	1,748.9
Reserves / Premium ratio	330%	323%	324%	324%	330%	397%	318%	330%	325%	1,252%	531%	281%	432%	278%	(590%)	194%	208%	205%	201%	204%	187%	191%	197%	189%	194%	169%	176%	161%	155%	162%	166%	162%	158%	171%	169%	167%	163%	164%	168%	167%	162%	160%	162%	160%	160%	165%	150%	131%	130%	128%	154%	126%	130%	139%	148%

Annex 9 (CE)

CONTINENTAL EUROPE
in EUR million
INCOME STATEMENT - LIFE	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross written premiums	680.5	161.3	165.2	165.3	188.7	640.6	183.8	144.2	113.8	198.8	637.4	151.2	155.3	163.4	167.5	594.7	147.4	157.1	129.4	160.8	614.9	156.8	161.6	144.7	151.8	565.5	148.8	119.5	145.6	151.6	562.5	135.1	139.6	129.4	158.4	497.8	117.4	131.4	112.8	136.2	485.7	124.0	113.8	108.0	139.9	428.0	112.4	84.1	89.1	142.4	537.9	121.3	111.3	136.6	168.7
Investment contracts without dpf	1,172.1	330.0	320.2	331.3	190.6	567.3	168.5	150.5	72.6	175.7	1,165.9	222.3	228.0	321.4	394.2	1,254.6	466.3	261.5	248.8	278.0	1,359.6	346.6	306.6	332.8	373.6	1,337.4	356.0	348.3	321.3	311.8	1,450.9	370.5	295.5	286.2	498.7	1,217.0	372.4	261.3	281.0	302.3	1,354.0	357.3	439.5	351.7	205.5	605.7	119.5	172.1	187.4	126.7	1,681.1	406.4	330.1	444.1	500.5
Gross Inflow Life	1,852.6	491.3	485.4	496.7	379.2	1,207.9	352.3	294.8	186.4	374.4	1,803.3	373.5	383.3	484.8	561.7	1,849.2	613.6	418.6	378.2	438.8	1,974.5	503.4	468.2	477.5	525.4	1,902.9	504.8	467.8	466.9	463.4	2,013.4	505.6	435.1	415.6	657.1	1,714.8	489.8	392.7	393.8	438.5	1,839.8	481.4	553.3	459.6	345.5	1,033.8	232.0	256.2	276.5	269.1	2,219.0	527.7	441.3	580.7	669.3
Operating result	110.4	23.8	28.8	26.0	31.8	148.2	18.4	25.2	26.7	77.9	84.6	23.8	29.6	0.1	31.1	94.8	13.6	28.0	28.8	24.4	125.8	28.9	36.8	31.8	28.3	108.8	30.7	31.1	23.2	23.8	74.3	11.5	19.0	22.3	21.5	60.2	15.2	8.6	12.5	23.9	99.0	21.0	25.4	27.1	25.5	106.4	23.3	23.4	28.5	31.2	( 32.9 )	6.1	( 55.2 )	( 25.9 )	42.1
Non-allocated other income and expenses	4.3	6.5	( 3.8 )	( 3.3 )	4.9	( 15.1 )	1.3	( 3.9 )	( 1.9 )	( 10.6 )	( 2.6 )	1.9	( 5.9 )	3.3	( 1.9 )	24.1	24.2	1.0	( 1.0 )	( 0.1 )	( 10.2 )	( 0.4 )	( 3.0 )	( 5.0 )	( 1.8 )	( 23.7 )	( 1.6 )	( 2.6 )	( 14.2 )	( 5.3 )	( 44.3 )	( 17.6 )	( 23.5 )	( 2.0 )	( 1.2 )	12.0	3.0	3.2	2.4	3.4	7.8	0.6	0.7	2.6	3.9	17.3	4.8	5.6	1.5	5.4	3.6	( 7.4 )	8.0	( 0.3 )	3.4
Result before taxation consolidated entities	114.7	30.3	25.0	22.7	36.7	133.1	19.7	21.3	24.8	67.3	82.0	25.7	23.7	3.4	29.2	118.9	37.8	29.0	27.8	24.3	115.6	28.5	33.8	26.8	26.5	85.1	29.1	28.5	9.0	18.5	30.0	( 6.1 )	( 4.5 )	20.3	20.3	72.2	18.2	11.8	14.9	27.3	106.8	21.6	26.1	29.7	29.4	123.7	28.1	29.0	30.0	36.6	( 29.3 )	( 1.3 )	( 47.2 )	( 26.2 )	45.5
Result equity associates	10.8	3.5	3.7	3.6	0.0	0.0	0.0	0.0	0.0	8.8	1.9	2.0	3.2	1.7	13.7	3.7	2.1	4.1	3.8	9.6	3.8	3.9	4.2	( 2.3 )	15.3	6.1	( 1.7 )	4.2	6.7	12.5	5.4	1.3	3.9	1.9	10.1	3.3	2.0	2.3	2.5	7.7	4.2	1.2	0.8	1.5	6.0	6.0	0.0	0.0	0.0
Result before taxation	125.5	33.8	28.7	26.3	36.7	133.1	19.7	21.3	24.7	67.4	82.0	25.7	23.7	3.4	29.2	127.7	39.7	31.0	31.0	26.0	129.3	32.2	35.9	30.9	30.3	94.7	32.9	32.4	13.2	16.2	45.3	0.0	( 6.2 )	24.5	27.0	84.7	23.6	13.1	18.8	29.2	116.9	24.9	28.1	32.0	31.9	131.4	32.3	30.2	30.8	38.1	( 23.3 )	4.7	( 47.2 )	( 26.2 )	45.5
Income tax expenses	( 34.7 )	( 10.6 )	( 7.4 )	( 7.0 )	( 9.7 )	( 38.1 )	( 5.4 )	( 6.5 )	( 7.4 )	( 18.8 )	( 22.6 )	( 6.2 )	( 7.8 )	0.0	( 8.6 )	( 28.8 )	( 7.6 )	( 8.5 )	( 7.2 )	( 5.5 )	( 37.3 )	( 9.5 )	( 11.6 )	( 8.9 )	( 7.3 )	( 26.7 )	( 11.0 )	( 8.0 )	( 3.9 )	( 3.8 )	( 3.0 )	1.5	0.3	( 5.4 )	0.6	( 16.4 )	( 6.0 )	( 3.8 )	( 4.9 )	( 1.7 )	( 38.1 )	( 10.5 )	( 8.8 )	( 9.5 )	( 9.3 )	( 40.5 )	( 8.7 )	( 9.6 )	( 9.9 )	( 12.3 )	( 0.5 )	( 5.6 )	12.8	3.7	( 11.5 )
Non Controlling interests	( 34.3 )	( 8.8 )	( 9.6 )	( 5.8 )	( 10.1 )	( 39.7 )	( 5.1 )	( 5.6 )	( 6.3 )	( 22.7 )	( 23.8 )	( 7.8 )	( 8.4 )	0.6	( 8.2 )	( 30.3 )	( 7.0 )	( 7.9 )	( 7.7 )	( 7.7 )	( 29.6 )	( 6.8 )	( 8.2 )	( 6.4 )	( 8.2 )	( 19.4 )	( 6.3 )	( 7.8 )	( 0.2 )	( 5.1 )	( 9.2 )	1.8	2.0	( 6.6 )	( 6.4 )	( 23.6 )	( 7.8 )	( 2.1 )	( 5.2 )	( 8.5 )	( 34.5 )	( 6.3 )	( 8.5 )	( 9.9 )	( 9.8 )	( 40.8 )	( 9.5 )	( 9.7 )	( 9.8 )	( 11.9 )	5.1	( 0.5 )	17.1	5.4	( 16.9 )
Net result attributable to shareholders	56.5	14.4	11.7	13.5	16.9	55.3	9.2	9.2	11.0	25.9	35.6	11.7	7.5	4.0	12.4	68.6	25.1	14.6	16.1	12.8	62.4	15.9	16.1	15.6	14.8	48.6	15.6	16.6	9.1	7.3	33.1	3.3	( 3.9 )	12.5	21.2	44.7	9.8	7.2	8.7	19.0	44.3	8.1	10.8	12.6	12.8	50.1	14.1	10.9	11.1	13.9	( 18.7 )	( 1.4 )	( 17.3 )	( 17.1 )	17.1
INCOME STATEMENT - NON-LIFE	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross Written Premiums	821.6	205.3	196.4	194.0	225.9	775.4	190.5	186.8	182.1	216.0	737.0	185.9	178.2	174.1	198.8	676.6	169.4	163.3	159.5	184.4	843.3	257.8	154.7	203.1	227.7	739.8	218.6	187.2	193.6	140.4	512.2	140.2	114.7	128.4	129.0	481.7	130.2	106.0	119.7	125.7	461.9	127.3	102.7	114.6	117.3	459.2	124.8	99.7	116.7	118.0	453.1	124.5	97.2	111.9	119.5
Operating result	76.7	14.7	23.2	21.6	17.2	94.9	20.0	20.5	31.5	22.9	76.2	16.8	14.0	24.9	20.3	54.9	11.5	16.2	11.9	15.2	89.6	29.0	18.3	20.4	21.9	84.5	29.9	15.9	22.4	16.3	83.2	23.5	19.8	24.4	15.5	49.3	8.5	14.8	17.4	8.6	41.4	13.1	12.0	9.9	6.4	42.8	0.6	9.9	20.4	11.9	26.6	9.4	4.3	10.0	2.9
Non-allocated other income and expenses	( 2.2 )	0.2	( 1.3 )	( 1.0 )	( 0.1 )	( 3.9 )	( 0.6 )	( 0.7 )	( 1.8 )	( 0.8 )	0.5	0.0	1.8	( 0.8 )	( 0.3 )	( 5.0 )	( 2.8 )	0.2	( 1.0 )	( 1.3 )	71.1	61.4	11.7	( 0.1 )	( 1.9 )	5.4	9.1	( 1.9 )	( 4.0 )	2.2	( 3.3 )	1.0	( 1.6 )	( 1.5 )	( 1.2 )	4.5	1.9	0.9	1.1	0.6	4.4	2.9	( 0.3 )	1.3	0.5	( 1.6 )	( 1.4 )	0.7	( 1.7 )	0.8	0.1	( 0.1 )	0.0	0.1	0.1
Result before taxation consolidated entities	74.4	14.8	21.8	20.6	17.2	91.0	19.4	19.8	29.7	22.1	76.7	16.8	15.8	24.1	20.0	49.9	8.7	16.4	10.9	13.9	160.7	90.4	30.0	20.3	20.0	89.9	39.0	14.0	18.4	18.5	79.9	24.5	18.2	22.9	14.3	53.8	10.4	15.7	18.5	9.2	45.8	16.0	11.7	11.2	6.9	41.2	( 0.8 )	10.6	18.7	12.7	26.7	9.3	4.3	10.1	3.0
Result equity associates	10.5	3.8	1.3	3.1	2.3	16.2	2.6	2.3	7.5	3.8	17.2	5.2	4.0	3.8	4.2	13.2	4.2	2.9	2.5	3.6	12.0	3.0	2.2	3.8	3.0	7.6	1.6	2.0	2.5	1.5	( 2.2 )	( 6.7 )	2.7	1.7	0.1	( 6.3 )	( 1.2 )	( 8.6 )	( 0.5 )	4.0	22.8	2.2	3.6	13.3	3.7	8.4	3.8	2.3	1.2	1.1	4.0	2.8	1.2	0.0	0.0
Result before taxation	84.9	18.6	23.1	23.7	19.5	107.2	22.0	22.1	37.2	25.9	93.9	22.0	19.8	27.9	24.2	63.1	12.9	19.3	13.4	17.5	172.7	93.4	32.2	24.1	23.0	97.5	40.6	16.0	20.9	20.0	77.7	17.8	20.9	24.6	14.4	47.5	9.2	7.1	18.0	13.2	68.6	18.2	15.3	24.5	10.6	49.6	3.0	12.9	19.9	13.8	30.7	12.1	5.5	10.1	3.0
Income tax expenses	( 23.0 )	( 5.4 )	( 6.3 )	( 6.2 )	( 5.1 )	( 27.5 )	( 6.8 )	( 6.4 )	( 8.6 )	( 5.7 )	( 21.0 )	( 4.7 )	( 4.4 )	( 6.8 )	( 5.1 )	( 14.0 )	( 2.5 )	( 4.7 )	( 3.2 )	( 3.6 )	( 26.0 )	( 5.1 )	( 8.7 )	( 6.2 )	( 6.0 )	( 34.4 )	( 14.1 )	( 5.2 )	( 5.8 )	( 9.3 )	( 26.4 )	( 8.7 )	( 6.0 )	( 7.3 )	( 4.4 )	( 17.7 )	( 3.4 )	( 4.9 )	( 5.6 )	( 3.8 )	( 19.0 )	( 7.7 )	( 4.5 )	( 4.0 )	( 2.8 )	( 17.4 )	( 1.6 )	( 4.2 )	( 6.5 )	( 5.1 )	( 9.5 )	( 3.6 )	( 1.4 )	( 3.3 )	( 1.2 )
Non Controlling interests	0.7	0.2	0.2	0.2	0.1	1.1	0.3	0.3	0.4	0.1	0.3	0.1	0.1	0.0	0.1	0.1	0.1	0.0	0.0	0.0	( 16.5 )	( 4.3 )	( 5.2 )	( 3.6 )	( 3.4 )	( 21.9 )	( 12.0 )	( 3.3 )	( 3.4 )	( 3.2 )	( 14.4 )	( 5.4 )	( 3.4 )	( 3.0 )	( 2.6 )	( 18.5 )	( 2.2 )	( 4.0 )	( 8.3 )	( 4.0 )	( 17.2 )	( 4.5 )	( 4.7 )	( 4.7 )	( 3.3 )	( 18.8 )	( 0.8 )	( 4.3 )	( 8.3 )	( 5.3 )	( 10.5 )	( 3.6 )	( 2.0 )	( 3.8 )	( 1.1 )
Net result attributable to shareholders	62.6	13.4	17.0	17.7	14.5	80.8	15.5	16.0	29.0	20.3	73.2	17.4	15.5	21.1	19.2	49.2	10.5	14.6	10.2	13.9	130.2	84.0	18.3	14.3	13.6	41.2	14.5	7.5	11.7	7.5	36.9	3.7	11.5	14.3	7.4	11.3	3.6	( 1.8 )	4.1	5.4	32.4	6.0	6.1	15.8	4.5	13.4	0.6	4.4	5.1	3.4	10.7	4.9	2.1	3.0	0.7
INCOME STATEMENT - TOTAL	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross Inflow	2,674.2	696.5	681.9	690.7	605.1	1,983.3	542.8	481.6	368.4	590.5	2,540.3	559.4	561.5	658.9	760.5	2,525.8	783.0	581.9	537.7	623.2	2,817.8	761.2	622.9	680.6	753.1	2,642.7	723.4	655.0	660.6	603.8	2,525.6	645.7	549.8	544.0	786.1	2,196.5	620.1	498.7	513.5	564.2	2,301.7	608.7	656.0	574.2	462.8	1,493.0	356.8	355.9	393.3	387.1	2,672.1	652.2	538.5	692.6	788.8
Net result attributable to shareholders	119.2	27.9	28.7	31.2	31.4	136.0	24.6	25.2	40.0	46.2	108.8	29.1	23.0	25.1	31.6	117.8	35.6	29.2	26.3	26.7	192.6	99.9	34.4	29.9	28.4	89.8	30.1	24.1	20.8	14.8	70.0	7.0	7.6	26.8	28.6	56.0	13.4	5.4	12.8	24.4	76.7	14.2	16.9	28.4	17.3	63.6	14.8	15.3	16.2	17.3	( 7.9 )	3.6	( 15.2 )	( 14.1 )	17.8
KEY PERFORMANCE INDICATORS	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Life
Gross Inflow	1,852.6	491.3	485.4	496.7	379.2	1,207.9	352.3	294.8	186.4	374.4	1,803.3	373.5	383.3	484.8	561.7	1,849.2	613.6	418.6	378.2	438.8	1,974.5	503.4	468.2	477.5	525.4	1,902.9	504.8	467.8	466.9	463.4	2,013.4	505.6	435.1	415.6	657.1	1,714.8	489.8	392.7	393.8	438.5	1,839.8	481.4	553.3	459.6	345.5	1,033.8	232.0	256.2	276.5	269.1	2,219.0	527.7	441.3	580.7	669.3
Individual Single	1,474.1	399.8	388.2	416.6	269.5	835.3	261.4	198.6	110.4	264.9	1,450.2	290.8	289.8	407.0	462.6	1,495.6	529.4	325.4	302.1	338.7	1,533.4	416.3	372.1	395.4	349.6	1,454.1	408.6	373.5	382.6	289.4	1,580.0	426.7	346.5	344.2	462.6	1,345.7	414.4	304.3	322.7	304.3	1,442.7	395.0	471.0	383.0	193.7	654.0	151.3	176.9	196.1	129.6	1,748.0	417.7	340.4	472.8	517.1
Individual Regular	298.5	80.5	71.1	71.3	75.6	282.4	77.9	65.5	65.1	73.9	265.8	68.7	63.7	66.2	67.2	264.0	68.8	64.2	64.6	66.4	275.0	71.7	66.0	67.6	69.7	280.0	79.5	65.0	71.5	64.0	254.3	66.2	61.7	62.1	64.3	251.2	63.2	61.0	61.3	65.7	265.0	65.6	64.4	65.4	69.6	282.7	67.7	68.6	70.3	76.1	361.0	92.1	85.3	89.3	94.3
Group Single	2.8	1.2	0.4	0.8	0.4	4.5	1.5	0.7	1.7	0.6	3.1	0.8	1.1	0.5	0.7	4.3	1.9	0.9	0.7	0.8	73.1	1.1	0.7	0.6	70.7	84.8	0.7	0.7	0.8	82.6	100.8	0.4	0.1	0.2	100.1	40.5	0.3	0.0	0.1	40.1	50.4	0.0	0.1	0.2	50.1	15.7	0.0	0.1	0.1	15.5	8.6	1.8	1.6	3.0	2.2
Group Regular	77.3	9.9	25.7	8.0	33.7	85.7	11.5	30.1	9.0	35.1	84.3	13.5	28.4	11.2	31.2	85.3	13.5	28.1	10.8	32.9	93.0	14.3	29.4	13.9	35.4	84.0	16.0	28.6	12.0	27.4	78.3	12.3	26.8	9.1	30.1	77.4	11.9	27.4	9.8	28.3	81.7	20.8	17.8	11.0	32.1	81.3	12.8	10.6	10.0	47.9	101.4	16.1	14.1	15.6	55.6
Gross Inflow	1,852.6	491.3	485.4	496.7	379.2	1,207.9	352.3	294.8	186.4	374.4	1,803.3	373.5	383.3	484.8	561.7	1,849.2	613.6	418.6	378.2	438.8	1,974.5	503.4	468.2	477.5	525.4	1,902.9	504.8	467.8	466.9	463.4	2,013.4	505.6	435.1	415.6	657.1	1,714.8	489.8	392.7	393.8	438.5	1,839.8	481.4	553.3	459.6	345.5	1,033.8	232.0	256.2	276.5	269.1	2,219.0	527.7	441.3	580.7	669.3
Guaranteed	710.3	176.3	189.8	165.8	178.4	629.2	175.3	157.6	114.3	182.0	1,220.6	170.5	250.2	360.8	439.1	1,284.6	466.6	284.7	252.4	280.9	879.7	227.0	232.3	193.4	227.0	981.2	254.7	256.3	191.7	278.5	1,306.4	304.9	246.7	261.1	493.7	1,095.0	349.4	294.9	252.2	198.5	890.6	243.1	270.4	164.6	212.5	527.6	131.8	109.4	106.8	179.6	690.4	160.3	151.3	175.3	203.5
Unit-Linked	1,142.3	315.0	295.6	330.8	200.9	578.6	176.9	137.1	72.2	192.4	582.7	203.0	133.1	124.0	122.6	564.6	147.0	133.9	125.8	157.9	1,094.8	276.4	235.9	284.1	298.4	921.7	250.1	211.5	275.2	184.9	707.0	200.7	188.4	154.5	163.4	619.8	140.4	97.8	141.6	240.0	949.2	238.3	282.9	295.0	133.0	506.2	100.2	146.8	169.7	89.5	1,528.6	367.4	290.0	405.4	465.8
Operating result	110.4	23.8	28.8	26.0	31.8	148.2	18.4	25.2	26.7	77.9	84.6	23.8	29.6	0.1	31.1	94.8	13.6	28.0	28.8	24.4	125.8	28.9	36.8	31.8	28.3	108.8	30.7	31.1	23.2	23.8	74.3	11.5	19.0	22.3	21.5	60.2	15.2	8.6	12.5	23.9	99.0	21.1	25.3	27.1	25.5	106.4	23.4	23.3	28.5	31.2	( 32.9 )	6.1	( 55.2 )	( 25.9 )	42.1
Guaranteed	89.2	17.3	24.3	20.0	27.6	137.3	13.9	22.0	23.5	77.9	76.7	21.1	27.3	( 1.3 )	29.6	87.9	13.2	26.2	26.5	22.0	110.0	24.7	32.7	28.9	23.7	104.8	29.5	30.7	20.8	23.8	70.1	10.0	18.4	20.6	21.1	53.8	14.0	8.8	11.0	20.0	69.3	18.0	15.2	18.9	17.2	79.6	19.9	16.1	20.9	22.7	( 69.0 )	( 2.4 )	( 64.3 )	( 35.0 )	32.7
Unit-Linked	20.9	6.2	4.5	6.0	4.2	10.9	4.5	3.2	3.2	0.0	7.9	2.7	2.3	1.4	1.5	6.9	0.4	1.8	2.3	2.4	15.8	4.2	4.1	2.9	4.6	4.0	1.2	0.4	2.4	0.0	4.2	1.5	0.6	1.7	0.4	6.4	1.2	( 0.2 )	1.5	3.9	29.7	3.1	10.1	8.2	8.3	26.8	3.5	7.2	7.6	8.5	36.1	8.5	9.1	9.1	9.4
Net underwriting result	58.8	12.6	19.9	10.0	16.3	93.7	7.0	14.1	11.7	60.9	7.8	4.0	11.8	( 17.6 )	9.8	30.3	6.5	9.5	8.8	5.5	41.9	5.9	14.7	10.7	10.6	42.0	11.2	14.7	10.5	5.6	26.8	6.4	9.9	4.3	6.2	0.6	( 8.0 )	0.8	( 1.6 )	9.4	49.8	20.3	9.4	9.4	10.7	51.6	6.6	12.6	14.1	18.3	29.6	5.4	2.7	5.3	16.2
Guaranteed	39.2	6.0	15.3	5.8	12.1	80.0	2.6	9.5	8.6	59.3	( 0.6 )	1.1	9.4	( 18.8 )	7.9	22.4	4.9	8.5	6.3	2.7	26.4	2.2	9.4	8.4	6.4	38.8	10.2	14.6	8.0	6.0	23.1	5.1	9.1	2.8	6.1	( 5.6 )	( 8.8 )	1.0	( 3.2 )	5.4	17.2	14.0	( 0.6 )	1.4	2.4	25.4	3.3	5.5	6.5	10.1	( 6.5 )	( 3.1 )	( 6.4 )	( 4.3 )	7.3
Unit-Linked	19.6	6.5	4.8	4.1	4.2	13.7	4.4	4.6	3.1	1.6	8.4	2.9	2.4	1.2	1.9	7.9	1.6	1.0	2.5	2.8	15.5	3.7	5.3	2.3	4.2	3.2	1.0	0.1	2.5	( 0.4 )	3.7	1.3	0.8	1.5	0.1	6.2	0.8	( 0.2 )	1.6	4.0	32.6	6.3	10.0	8.0	8.3	26.2	3.3	7.1	7.6	8.2	36.1	8.5	9.1	9.6	8.9
Underwriting result	95.8	21.6	26.1	22.6	25.5	94.0	21.6	24.2	25.0	23.2	92.7	22.5	25.0	23.2	22.0	82.9	21.2	23.3	22.7	15.7	91.3	22.6	24.7	22.9	21.1	95.0	24.7	28.0	21.5	20.8	81.1	21.0	20.5	19.5	20.1	74.2	19.5	20.8	15.5	18.4	81.2	28.6	17.4	17.9	17.3	92.9	20.7	23.4	23.9	24.9	84.4	19.8	17.2	20.5	26.9
Guaranteed	93.1	20.9	25.4	22.0	24.8	90.8	20.5	23.1	24.7	22.5	89.8	21.8	24.1	22.5	21.4	80.2	20.7	22.7	21.8	15.0	87.9	21.8	24.4	22.1	19.6	94.9	25.4	27.8	21.2	20.5	79.7	20.4	20.5	19.0	19.8	73.4	19.3	20.6	15.2	18.3	80.4	28.3	17.2	17.8	17.1	91.7	20.4	23.2	23.5	24.6	83.4	19.4	17.0	20.3	26.7
Unit-Linked	2.7	0.7	0.6	0.8	0.6	3.2	1.1	1.1	0.3	0.7	2.9	0.7	0.9	0.7	0.6	2.7	0.5	0.6	0.9	0.7	3.4	0.8	0.3	0.8	1.5	0.1	( 0.7 )	0.2	0.3	0.3	1.4	0.6	0.0	0.5	0.3	0.8	0.2	0.2	0.3	0.1	0.8	0.3	0.2	0.1	0.2	1.2	0.3	0.2	0.4	0.3	1.0	0.4	0.2	0.2	0.2
Expense & Other result	( 37.0 )	( 9.1 )	( 6.0 )	( 12.8 )	( 9.1 )	( 0.3 )	( 14.6 )	( 10.2 )	( 13.1 )	37.6	( 84.9 )	( 18.5 )	( 13.3 )	( 40.8 )	( 12.3 )	( 52.6 )	( 14.7 )	( 13.8 )	( 13.9 )	( 10.2 )	( 49.4 )	( 16.7 )	( 10.0 )	( 12.2 )	( 10.5 )	( 53.0 )	( 13.5 )	( 13.3 )	( 11.0 )	( 15.2 )	( 54.3 )	( 14.6 )	( 10.6 )	( 15.2 )	( 13.9 )	( 73.6 )	( 27.5 )	( 20.0 )	( 17.1 )	( 9.0 )	( 31.4 )	( 8.3 )	( 8.0 )	( 8.5 )	( 6.6 )	( 41.3 )	( 14.1 )	( 10.8 )	( 9.9 )	( 6.5 )	( 54.8 )	( 14.4 )	( 14.4 )	( 15.3 )	( 10.7 )
Guaranteed	( 53.9 )	( 14.9 )	( 10.2 )	( 16.1 )	( 12.7 )	( 10.8 )	( 17.9 )	( 13.6 )	( 16.0 )	36.7	( 90.3 )	( 20.6 )	( 14.8 )	( 41.3 )	( 13.6 )	( 57.8 )	( 15.7 )	( 14.3 )	( 15.5 )	( 12.3 )	( 61.5 )	( 19.6 )	( 15.0 )	( 13.7 )	( 13.2 )	( 56.1 )	( 15.2 )	( 13.2 )	( 13.2 )	( 14.5 )	( 56.6 )	( 15.3 )	( 11.4 )	( 16.2 )	( 13.7 )	( 79.0 )	( 28.1 )	( 19.5 )	( 18.5 )	( 12.9 )	( 63.2 )	( 14.3 )	( 17.8 )	( 16.5 )	( 14.7 )	( 66.4 )	( 17.2 )	( 17.7 )	( 17.1 )	( 14.4 )	( 89.9 )	( 22.5 )	( 23.3 )	( 24.6 )	( 19.5 )
Unit-Linked	16.9	5.8	4.2	3.3	3.6	10.5	3.3	3.5	2.8	0.9	5.4	2.1	1.5	0.5	1.3	5.2	1.0	0.5	1.6	2.1	12.1	2.9	5.0	1.5	2.7	3.1	1.7	( 0.1 )	2.2	( 0.7 )	2.3	0.7	0.8	1.0	( 0.2 )	5.4	0.6	( 0.5 )	1.4	3.9	31.8	6.0	9.8	8.0	8.1	25.1	3.1	6.9	7.2	7.9	35.1	8.1	8.9	9.3	8.8
Investment result	51.6	11.2	8.9	16.0	15.5	54.5	11.4	11.1	14.9	17.1	76.9	19.9	17.8	17.9	21.3	64.5	7.0	18.6	20.0	18.9	83.9	23.0	22.1	21.1	17.7	66.8	19.5	16.4	12.7	18.2	47.5	5.1	9.1	18.0	15.3	59.6	23.2	7.8	14.1	14.5	49.2	0.8	15.9	17.7	14.8	54.8	16.8	10.8	14.3	12.9	( 62.5 )	0.7	( 57.9 )	( 31.2 )	25.9
Guaranteed	50.0	11.3	9.0	14.1	15.6	57.2	11.3	12.5	14.7	18.7	77.3	20.0	17.9	17.7	21.7	65.5	8.1	17.9	20.2	19.3	83.6	22.5	23.3	20.5	17.3	66.0	19.3	16.1	12.8	17.8	47.0	4.9	9.3	17.8	15.0	59.4	22.8	7.8	14.2	14.6	52.1	4.0	15.8	17.5	14.8	54.2	16.6	10.7	14.3	12.6	( 62.5 )	0.7	( 57.9 )	( 30.8 )	25.5
Unit-Linked	1.3	( 0.4 )	( 0.1 )	1.8	0.0	( 2.7 )	0.2	( 1.4 )	0.1	( 1.6 )	( 0.4 )	( 0.1 )	( 0.1 )	0.2	( 0.4 )	( 1.0 )	( 1.1 )	0.7	( 0.2 )	( 0.4 )	0.3	0.5	( 1.2 )	0.6	0.4	0.8	0.2	0.3	( 0.1 )	0.4	0.5	0.2	( 0.2 )	0.2	0.3	0.2	0.4	0.0	( 0.1 )	( 0.1 )	( 2.9 )	( 3.2 )	0.1	0.2	0.0	0.6	0.2	0.1	0.0	0.3	0.0	0.0	0.0	( 0.4 )	0.4
Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	0.75%	0.65%	0.79%	0.70%	0.86%	0.98%	0.50%	0.68%	0.72%	2.07%	0.54%	0.61%	0.76%	0.78%	0.60%	0.35%	0.71%	0.73%	0.62%	0.81%	0.75%	0.96%	0.83%	0.74%	0.74%	0.84%	0.85%	0.64%	0.67%	0.53%	0.33%	0.54%	0.63%	0.60%	0.43%	0.44%	0.25%	0.36%	0.69%	0.71%	0.61%	0.72%	0.78%	0.72%	0.76%	0.67%	0.67%	0.82%	0.90%	(0.22%)	0.17%	(1.48%)	(0.68%)	0.73%
Net underwriting margin	0.40%	0.34%	0.54%	0.27%	0.44%	0.62%	0.19%	0.38%	0.32%	1.61%	0.05%	0.10%	0.30%	(0.44%)	0.25%	0.19%	0.17%	0.24%	0.22%	0.14%	0.27%	0.15%	0.38%	0.28%	0.28%	0.29%	0.31%	0.40%	0.29%	0.16%	0.19%	0.18%	0.28%	0.12%	0.17%	(0.23%)	0.02%	(0.04%)	0.27%	0.36%	0.58%	0.27%	0.27%	0.30%	0.37%	0.19%	0.36%	0.41%	0.53%	0.20%	0.15%	0.08%	0.14%	0.28%
Underwriting margin	0.65%	0.59%	0.71%	0.61%	0.68%	0.62%	0.58%	0.65%	0.68%	0.62%	0.60%	0.58%	0.64%	0.58%	0.55%	0.53%	0.54%	0.59%	0.58%	0.40%	0.59%	0.59%	0.64%	0.60%	0.56%	0.65%	0.68%	0.77%	0.59%	0.59%	0.57%	0.59%	0.58%	0.55%	0.56%	0.53%	0.56%	0.60%	0.45%	0.53%	0.59%	0.82%	0.49%	0.51%	0.49%	0.67%	0.59%	0.67%	0.69%	0.72%	0.57%	0.54%	0.46%	0.54%	0.47%
Expense & other margin	(0.25%)	(0.25%)	(0.17%)	(0.34%)	(0.25%)	(0.40%)	(0.27%)	(0.36%)	1.00%	(0.55%)	(0.48%)	(0.34%)	(1.01%)	(0.30%)	(0.34%)	(0.37%)	(0.35%)	(0.35%)	(0.26%)	(0.32%)	(0.43%)	(0.26%)	(0.32%)	(0.28%)	(0.36%)	(0.37%)	(0.36%)	(0.30%)	(0.43%)	(0.38%)	(0.41%)	(0.30%)	(0.43%)	(0.39%)	(0.53%)	(0.79%)	(0.58%)	(0.49%)	(0.26%)	(0.23%)	(0.24%)	(0.23%)	(0.24%)	(0.19%)	(0.30%)	(0.41%)	(0.31%)	(0.29%)	(0.19%)	(0.37%)	(0.39%)	(0.39%)	(0.40%)	(0.19%)
Investment margin	0.35%	0.31%	0.24%	0.43%	0.42%	0.36%	0.31%	0.30%	0.40%	0.45%	0.49%	0.51%	0.46%	0.44%	0.53%	0.41%	0.18%	0.47%	0.51%	0.48%	0.54%	0.60%	0.58%	0.55%	0.46%	0.45%	0.53%	0.45%	0.35%	0.51%	0.34%	0.15%	0.26%	0.51%	0.43%	0.43%	0.67%	0.23%	0.40%	0.42%	0.35%	0.02%	0.45%	0.51%	0.42%	0.39%	0.48%	0.31%	0.42%	0.37%	(0.42%)	0.02%	(1.55%)	(0.82%)	0.45%

Guaranteed Margins
Operating Margin	1.08%	0.86%	1.18%	0.96%	1.31%	1.59%	0.65%	1.03%	1.09%	3.56%	0.90%	0.96%	1.27%	(0.06%)	1.40%	1.08%	0.65%	1.31%	1.33%	1.10%	1.39%	1.25%	1.65%	1.46%	1.20%	1.21%	1.36%	1.42%	0.96%	1.17%	0.88%	0.50%	0.93%	1.03%	1.05%	0.70%	0.73%	0.46%	0.58%	1.05%	0.91%	0.94%	0.79%	0.98%	0.89%	1.02%	1.02%	0.82%	1.06%	1.15%	(0.83%)	(0.12%)	(3.06%)	(1.65%)	1.46%
Net underwriting margin	0.48%	0.30%	0.74%	0.28%	0.57%	0.93%	0.12%	0.44%	0.40%	2.71%	(0.01%)	0.05%	0.43%	(0.88%)	0.37%	0.28%	0.25%	0.42%	0.31%	0.14%	0.33%	0.12%	0.47%	0.43%	0.32%	0.45%	0.47%	0.68%	0.36%	0.30%	0.29%	0.25%	0.46%	0.14%	0.30%	(0.07%)	(0.46%)	0.05%	(0.17%)	0.29%	0.23%	0.73%	(0.04%)	0.07%	0.13%	0.33%	0.16%	0.28%	0.33%	0.52%	(0.08%)	(0.15%)	(0.30%)	(0.20%)	0.32%
Underwriting margin	1.13%	1.03%	1.24%	1.05%	1.18%	1.05%	0.96%	1.08%	1.14%	1.03%	1.05%	0.99%	1.12%	1.05%	1.01%	0.99%	1.02%	1.14%	1.09%	0.75%	1.11%	1.11%	1.23%	1.12%	0.99%	1.10%	1.18%	1.28%	0.98%	1.00%	1.00%	1.02%	1.03%	0.95%	0.99%	0.95%	1.00%	1.07%	0.80%	0.97%	1.06%	1.48%	0.89%	0.93%	0.89%	1.18%	1.05%	1.19%	1.20%	1.24%	1.00%	0.93%	0.81%	0.96%	1.19%
Expense & other margin	(0.65%)	(0.73%)	(0.50%)	(0.77%)	(0.60%)	(0.12%)	(0.84%)	(0.63%)	(0.74%)	1.68%	(1.06%)	(0.93%)	(0.69%)	(1.93%)	(0.64%)	(0.71%)	(0.77%)	(0.71%)	(0.78%)	(0.61%)	(0.78%)	(0.99%)	(0.76%)	(0.69%)	(0.67%)	(0.65%)	(0.71%)	(0.60%)	(0.62%)	(0.70%)	(0.71%)	(0.77%)	(0.57%)	(0.81%)	(0.69%)	(1.02%)	(1.46%)	(1.02%)	(0.97%)	(0.68%)	(0.83%)	(0.75%)	(0.93%)	(0.86%)	(0.76%)	(0.85%)	(0.88%)	(0.91%)	(0.87%)	(0.73%)	(1.08%)	(1.08%)	(1.11%)	(1.16%)	(0.87%)
Investment margin	0.61%	0.56%	0.44%	0.68%	0.74%	0.66%	0.53%	0.58%	0.68%	0.85%	0.91%	0.91%	0.83%	0.83%	1.03%	0.80%	0.40%	0.89%	1.01%	0.96%	1.06%	1.13%	1.18%	1.03%	0.88%	0.76%	0.89%	0.74%	0.60%	0.87%	0.59%	0.25%	0.47%	0.89%	0.75%	0.77%	1.18%	0.41%	0.75%	0.76%	0.68%	0.19%	0.80%	0.91%	0.76%	0.69%	0.85%	0.54%	0.73%	0.64%	(0.75%)	0.03%	(2.76%)	(1.46%)	1.14%

Unit Linked Margins
Operating Margin	0.32%	0.38%	0.28%	0.37%	0.26%	0.17%	0.29%	0.20%	0.21%	0.11%	0.16%	0.13%	0.07%	0.08%	0.09%	0.02%	0.09%	0.12%	0.12%	0.21%	0.23%	0.22%	0.16%	0.25%	0.07%	0.08%	0.17%	0.0%	0.07%	0.10%	0.04%	0.11%	0.02%	0.10%	0.08%	(0.01%)	0.10%	0.24%	0.47%	0.20%	0.64%	0.53%	0.52%	0.44%	0.23%	0.47%	0.51%	0.57%	0.56%	0.53%	0.56%	0.54%	0.27%
Net underwriting margin	0.30%	0.40%	0.30%	0.25%	0.26%	0.21%	0.28%	0.29%	0.20%	0.10%	0.12%	0.17%	0.14%	0.06%	0.10%	0.10%	0.08%	0.05%	0.14%	0.14%	0.21%	0.19%	0.29%	0.12%	0.23%	0.05%	0.07%	0.18%	(0.03%)	0.06%	0.08%	0.05%	0.09%	0.01%	0.10%	0.05%	(0.02%)	0.10%	0.25%	0.52%	0.40%	0.63%	0.52%	0.52%	0.43%	0.22%	0.46%	0.51%	0.55%	0.56%	0.53%	0.56%	0.57%	0.26%
Underwriting margin	0.04%	0.05%	0.04%	0.05%	0.04%	0.05%	0.07%	0.07%	0.02%	0.04%	0.04%	0.04%	0.05%	0.04%	0.03%	0.04%	0.03%	0.03%	0.05%	0.04%	0.05%	0.04%	0.02%	0.04%	0.08%	(0.05%)	0.01%	0.03%	0.02%	0.02%	0.03%	0.01%	0.03%	0.02%	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%	0.02%	0.01%	0.01%	0.02%	0.02%	0.02%	0.01%	0.03%	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%
Expense & other margin	0.26%	0.36%	0.26%	0.21%	0.22%	0.16%	0.20%	0.22%	0.19%	0.06%	0.08%	0.13%	0.09%	0.03%	0.07%	0.06%	0.05%	0.03%	0.09%	0.10%	0.16%	0.15%	0.27%	0.08%	0.15%	0.05%	0.12%	(0.01%)	0.15%	(0.05%)	0.04%	0.05%	0.04%	0.06%	(0.01%)	0.09%	0.04%	(0.03%)	0.08%	0.24%	0.51%	0.38%	0.62%	0.51%	0.50%	0.41%	0.20%	0.45%	0.48%	0.53%	0.55%	0.51%	0.54%	0.56%	0.25%
Investment margin	0.02%	(0.02%)	(0.01%)	0.12%	(0.04%)	0.01%	(0.09%)	0.01%	(0.10%)	(0.01%)	(0.01%)	(0.01%)	0.01%	(0.02%)	(0.01%)	(0.06%)	0.04%	(0.01%)	(0.02%)	0.0%	0.04%	(0.07%)	0.04%	0.02%	0.02%	0.01%	(0.01%)	0.03%	0.01%	0.02%	(0.01%)	0.02%	0.01%	0.03%	(0.01%)	(0.05%)	(0.20%)	0.01%	0.01%	0.01%	0.01%	0.01%	0.02%	(0.02%)	0.01%
Non-Life
Gross written premiums	821.6	205.3	196.4	194.0	225.9	775.4	190.5	186.8	182.1	216.0	737.0	185.9	178.2	174.1	198.8	676.6	169.4	163.3	159.5	184.4	843.3	257.9	154.6	203.1	227.7	739.8	218.6	187.2	193.6	140.4	512.2	140.1	114.7	128.4	129.0	481.7	130.3	106.0	119.7	125.7	461.9	127.3	102.7	114.6	117.3	459.2	124.8	99.7	116.7	118.0	453.1	124.5	97.2	111.9	119.5
Accident & Health	430.2	102.9	99.2	99.8	128.3	396.9	93.6	92.6	90.8	119.9	373.9	91.6	88.1	85.4	108.8	339.8	81.9	80.6	77.9	99.4	391.9	112.6	74.9	90.4	114.0	351.7	103.4	82.8	82.1	83.4	282.5	77.0	64.5	66.2	74.8	267.3	75.2	57.8	62.3	72.0	255.6	73.6	56.9	58.1	67.0	251.0	70.7	54.6	59.0	66.7	250.3	71.2	51.4	57.6	70.1
Motor	246.2	63.9	61.3	60.8	60.2	244.3	63.9	60.6	60.0	59.8	234.0	62.2	58.2	58.1	55.5	215.2	57.7	52.9	53.4	51.2	270.3	86.1	49.9	69.9	64.4	217.9	67.7	59.8	66.7	23.7	96.7	24.5	21.0	28.4	22.8	96.1	23.8	20.2	29.0	23.1	97.2	24.3	21.3	30.2	21.4	103.0	25.6	22.4	31.9	23.1	97.7	25.3	22.2	26.7	23.5
Household	124.0	33.6	31.3	28.1	31.0	113.8	28.6	29.0	26.6	29.6	109.1	27.5	28.1	25.3	28.2	101.8	25.6	26.2	23.5	26.5	132.0	41.2	25.2	31.7	33.9	120.5	34.4	32.1	30.9	23.1	88.1	26.3	20.4	20.5	20.9	77.4	20.9	18.3	18.8	19.4	72.4	19.5	17.0	17.5	18.4	70.5	19.3	16.4	17.0	17.8	67.2	17.9	16.0	17.5	15.8
Other	21.2	4.8	4.6	5.4	6.4	20.4	4.4	4.7	4.7	6.6	20.0	4.6	3.8	5.3	6.3	19.8	4.1	3.6	4.7	7.3	49.1	17.9	4.7	11.1	15.4	49.7	13.1	12.5	13.9	10.2	44.9	12.3	8.8	13.3	10.5	40.9	10.4	9.7	9.6	11.2	36.7	9.9	7.5	8.8	10.5	34.7	9.2	6.3	8.8	10.4	37.9	10.1	7.6	10.1	10.1
Operating Result	76.7	14.7	23.2	21.6	17.2	94.9	20.0	20.5	31.5	22.9	76.2	16.8	14.1	25.0	20.3	54.9	11.6	16.2	11.9	15.2	89.6	28.9	18.4	20.4	21.9	84.5	29.9	15.9	22.4	16.3	83.2	23.5	19.8	24.4	15.5	49.3	8.5	14.8	17.4	8.6	41.4	13.1	12.0	9.9	6.4	42.8	0.6	9.9	20.4	11.9	26.6	9.4	4.3	10.0	2.9
Accident & Health	36.8	6.0	6.9	16.9	7.0	45.5	7.6	12.5	14.6	10.8	39.2	10.1	9.3	9.4	10.4	43.9	13.4	11.2	11.3	8.0	52.9	17.0	12.2	13.8	9.9	37.5	6.6	13.1	10.0	7.8	47.6	9.3	14.4	12.2	11.7	34.0	6.3	11.1	7.7	8.9	37.4	15.6	5.9	9.2	6.7	25.7	( 0.7 )	9.4	9.8	7.2	24.5	8.5	3.5	8.6	3.9
Motor	10.1	( 1.9 )	2.2	4.5	5.3	25.0	6.8	3.3	10.0	4.9	10.2	0.7	( 1.0 )	6.1	4.4	( 1.8 )	0.4	( 2.8 )	( 3.0 )	3.6	( 10.0 )	( 8.0 )	0.8	( 5.2 )	2.4	4.3	4.6	( 5.1 )	1.0	3.8	1.7	1.3	( 0.5 )	1.9	( 1.0 )	13.4	3.1	7.2	3.1	0.0	( 2.9 )	( 5.4 )	4.7	( 2.4 )	0.2	8.3	( 1.2 )	2.5	4.1	2.8	4.2	3.1	0.5	0.9	( 0.3 )
Household	22.8	8.0	6.6	4.3	3.9	17.7	3.5	3.3	5.6	5.3	20.9	5.0	4.5	7.9	3.5	14.1	( 0.1 )	7.4	4.6	2.2	20.2	4.1	3.8	7.7	4.6	19.2	7.9	3.1	6.2	2.0	21.0	9.7	4.0	5.8	1.5	4.1	0.0	0.9	5.3	( 2.1 )	5.0	5.3	0.7	1.3	( 2.3 )	7.6	4.5	( 1.4 )	4.0	0.5	6.1	3.3	0.8	3.1	( 1.1 )
Other	6.9	2.5	7.4	( 4.1 )	1.1	6.7	2.1	1.4	1.3	1.9	5.9	1.0	1.3	1.6	2.0	( 1.3 )	( 2.2 )	0.5	( 1.0 )	1.4	26.5	15.8	1.6	4.1	5.0	23.5	10.8	4.9	5.1	2.7	12.9	3.2	1.8	4.6	3.3	( 2.2 )	( 0.9 )	( 4.4 )	1.3	1.8	1.9	( 2.4 )	0.7	1.8	1.8	1.2	( 2.1 )	( 0.6 )	2.5	1.4	( 8.1 )	( 5.4 )	( 0.6 )	( 2.6 )	0.5
Net underwriting Result	71.0	11.3	21.9	18.2	19.6	86.7	13.4	20.4	29.3	23.6	55.2	10.1	11.3	16.6	17.2	45.2	6.4	14.2	10.6	14.0	73.6	24.2	13.8	13.6	22.0	74.9	30.8	16.0	13.2	14.9	66.5	19.5	15.6	18.5	12.9	32.8	3.8	11.1	12.6	5.3	25.5	9.0	7.6	5.6	3.3	26.2	( 3.0 )	6.9	13.4	8.9	12.7	5.2	0.9	5.9	0.7
Accident & Health	35.8	5.2	6.6	14.8	9.2	43.7	6.7	11.3	13.1	12.6	34.2	8.5	9.1	6.5	10.1	40.5	11.6	10.9	9.5	8.5	43.9	12.7	11.9	9.2	10.1	32.8	8.5	12.6	3.1	8.6	40.8	7.7	12.6	9.0	11.5	27.3	4.1	9.8	5.6	7.8	31.2	13.9	3.9	7.3	6.1	19.3	( 2.3 )	8.3	6.0	7.3	19.1	6.5	2.4	6.7	3.5
Motor	6.4	( 4.0 )	1.5	3.3	5.6	20.8	2.8	4.4	10.1	3.5	( 1.9 )	( 2.6 )	( 3.1 )	1.5	2.3	( 6.2 )	( 2.3 )	( 3.4 )	( 2.2 )	1.7	( 13.5 )	( 8.0 )	( 2.7 )	( 5.8 )	3.0	4.0	4.6	( 2.2 )	( 0.9 )	2.5	( 3.5 )	0.2	( 1.8 )	0.5	( 2.4 )	7.9	1.7	6.0	1.6	( 1.4 )	( 8.4 )	( 6.7 )	3.3	( 3.8 )	( 1.2 )	2.1	( 2.6 )	1.4	2.2	1.0	( 1.0 )	1.8	( 0.9 )	( 0.5 )	( 1.4 )
Household	22.2	7.7	6.5	4.2	3.8	16.9	2.9	3.4	5.0	5.6	18.5	3.8	4.4	7.1	3.2	12.8	( 0.7 )	6.3	4.5	2.7	19.7	4.5	3.4	7.0	4.8	18.1	8.0	1.6	6.7	1.8	19.6	9.3	3.8	5.2	1.3	2.9	( 0.3 )	0.6	4.8	( 2.2 )	3.6	4.9	0.4	1.0	( 2.7 )	6.5	4.4	( 1.7 )	3.7	0.1	5.0	2.9	0.6	2.9	( 1.4 )
Other	6.5	2.2	7.4	( 4.1 )	1.0	5.4	1.2	1.2	1.1	1.9	4.3	0.3	0.9	1.5	1.6	( 1.9 )	( 2.2 )	0.4	( 1.2 )	1.1	23.5	15.1	1.1	3.2	4.1	20.0	9.7	4.0	4.3	2.0	9.6	2.3	1.0	3.8	2.5	( 5.3 )	( 1.7 )	( 5.3 )	0.6	1.1	( 0.9 )	( 3.1 )	0.0	1.1	1.1	( 1.7 )	( 2.5 )	( 1.1 )	1.5	0.5	( 10.4 )	( 6.1 )	( 1.2 )	( 3.1 )	0.0
Investment Result	4.8	2.2	1.5	0.5	0.6	8.8	6.5	0.8	1.7	( 0.2 )	6.7	1.8	1.1	1.7	2.1	6.7	0.4	1.8	1.4	3.1	15.5	6.7	1.4	3.8	3.6	24.1	8.3	6.0	5.9	3.9	16.3	3.7	3.8	4.6	4.2	16.5	4.3	3.9	4.2	4.1	15.8	4.1	3.9	3.8	4.0	16.8	3.5	3.3	5.2	4.8	13.8	4.2	3.4	3.2	3.0
Accident & Health	1.0	0.6	0.4	( 0.1 )	0.1	1.7	0.6	0.5	1.2	( 0.6 )	2.5	0.7	0.6	0.6	0.6	1.9	( 0.2 )	0.6	0.7	0.8	5.6	2.6	0.1	1.5	1.4	11.1	3.6	3.0	2.9	1.6	6.6	1.5	1.4	2.1	1.6	6.7	1.9	1.5	1.6	1.7	6.2	1.6	1.6	1.4	1.6	6.4	1.4	1.4	2.0	1.7	5.2	1.8	1.3	0.9	1.2
Motor	2.8	1.2	0.8	0.4	0.4	4.8	4.2	0.2	0.2	0.2	2.6	0.8	0.3	0.6	0.9	2.9	0.3	0.8	0.4	1.4	5.6	2.6	0.8	1.0	1.2	7.3	2.7	1.8	1.5	1.3	5.2	1.1	1.3	1.4	1.4	5.5	1.4	1.2	1.5	1.4	5.5	1.4	1.3	1.4	1.4	6.2	1.4	1.1	1.9	1.8	5.2	1.3	1.3	1.5	1.1
Household	0.5	0.2	0.1	0.1	0.1	0.9	0.7	0.1	0.0	0.1	0.6	0.1	0.1	0.1	0.3	0.9	0.2	0.1	0.2	0.4	1.6	0.6	0.3	0.4	0.3	1.9	0.8	0.3	0.5	0.3	1.4	0.4	0.3	0.4	0.3	1.2	0.3	0.3	0.3	0.3	1.3	0.4	0.3	0.3	0.3	1.2	0.2	0.3	0.3	0.4	1.0	0.3	0.2	0.3	0.2
Other	0.4	0.2	0.1	0.0	0.1	1.3	0.9	0.1	0.2	0.1	1.0	0.2	0.1	0.4	0.3	1.0	0.2	0.2	0.1	0.5	2.7	0.8	0.3	0.9	0.7	3.8	1.2	0.9	1.0	0.7	3.1	0.7	0.8	0.7	0.9	3.1	0.7	0.9	0.8	0.7	2.8	0.7	0.7	0.7	0.7	3.0	0.5	0.5	1.0	0.9	2.4	0.7	0.7	0.6	0.4
Other Result	0.9	1.2	( 0.2 )	2.9	( 3.0 )	( 0.6 )	0.1	( 0.7 )	0.6	( 0.6 )	14.3	4.9	1.7	6.7	1.0	3.0	4.9	0.1	( 0.1 )	( 1.9 )	0.5	( 1.9 )	3.1	3.0	( 3.7 )	( 14.5 )	( 9.2 )	( 6.1 )	3.3	( 2.5 )	0.4	0.3	0.4	1.3	( 1.6 )	0.0	0.4	( 0.2 )	0.6	( 0.8 )	0.1	0.0	0.5	0.5	( 0.9 )	( 0.2 )	0.1	( 0.3 )	1.8	( 1.8 )	0.1	0.0	0.0	0.8	( 0.7 )
Accident & Health	0.0	0.2	( 0.1 )	2.2	( 2.3 )	0.1	0.3	0.6	0.5	( 1.3 )	2.5	0.9	( 0.3 )	2.2	( 0.3 )	1.5	2.0	( 0.3 )	1.1	( 1.3 )	3.4	1.7	0.2	3.1	( 1.6 )	( 6.4 )	( 5.5 )	( 2.5 )	4.0	( 2.4 )	0.2	0.1	0.4	1.1	( 1.4 )	0.0	0.3	( 0.2 )	0.5	( 0.6 )	0.0	0.1	0.4	0.5	( 1.0 )	0.0	0.3	( 0.3 )	1.8	( 1.8 )	0.2	0.1	( 0.1 )	0.9	( 0.7 )
Motor	0.8	0.8	( 0.1 )	0.8	( 0.7 )	( 0.6 )	( 0.2 )	( 1.3 )	( 0.3 )	1.2	9.5	2.5	1.9	3.9	1.2	1.5	2.5	( 0.3 )	( 1.2 )	0.5	( 2.1 )	( 2.6 )	2.7	( 0.4 )	( 1.8 )	( 7.0 )	( 2.7 )	( 4.7 )	0.4	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 0.1 )	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Household	0.1	0.1	0.0	0.0	0.0	0.0	0.0	( 0.1 )	0.5	( 0.4 )	1.8	1.1	0.1	0.6	0.0	0.4	0.5	0.9	( 0.1 )	( 0.9 )	( 1.1 )	( 1.0 )	0.1	0.3	( 0.5 )	( 0.8 )	( 0.9 )	1.1	( 0.9 )	( 0.1 )	0.0	0.0	0.0	0.1	( 0.1 )	0.0	0.0	0.0	0.2	( 0.2 )	0.1	0.0	0.0	0.0	0.1	( 0.1 )	( 0.1 )	0.0	0.0	0.0	0.1	0.1	0.0	0.0	0.0
Other	( 0.1 )	0.0	0.0	( 0.1 )	0.0	( 0.1 )	0.0	0.0	0.0	( 0.1 )	0.5	0.4	0.0	0.0	0.1	( 0.4 )	( 0.1 )	( 0.2 )	0.1	( 0.2 )	0.3	( 0.1 )	0.2	0.0	0.2	( 0.3 )	( 0.1 )	0.0	( 0.2 )	0.0	0.2	0.2	0.0	0.1	( 0.1 )	0.0	0.1	0.0	( 0.1 )	0.0	0.0	0.0	0.0	0.0	0.0	( 0.1 )	( 0.1 )	0.0	0.0	0.0	( 0.2 )	( 0.2 )	0.0	0.0	0.0
Net Earned Premiums	447.8	116.3	112.6	110.6	108.3	377.1	108.3	106.2	105.4	57.2	476.4	137.4	133.0	128.7	77.3	593.8	152.3	149.7	148.0	143.8	768.0	251.4	141.6	191.0	184.0	663.7	189.1	177.6	179.4	117.7	454.1	117.7	115.2	113.0	108.3	415.3	105.0	103.4	106.0	100.9	402.7	104.1	99.9	100.0	98.8	397.1	108.6	94.9	101.1	92.6	381.8	96.0	91.4	100.0	94.4
Claims Ratio	58.9%	62.0%	55.0%	59.5%	59.2%	48.6%	57.0%	55.2%	51.6%	14.6%	55.3%	61.7%	58.7%	57.7%	33.9%	62.7%	65.3%	61.2%	62.2%	62.1%	59.2%	56.1%	58.2%	62.2%	61.2%	58.6%	51.0%	62.4%	62.4%	59.0%	55.9%	49.8%	57.3%	56.8%	60.0%	61.3%	61.1%	59.9%	58.9%	65.2%	63.7%	60.2%	62.4%	64.7%	67.8%	63.6%	66.4%	65.9%	57.4%	64.9%	66.4%	64.3%	66.8%	64.7%	70.1%
of which Prior Year claims ratio	(2.9%)	(3.2%)	(4.0%)	(5.7%)	1.5%	(15.1%)	(1.5%)	(1.1%)	1.4%	(97.3%)	(14.4%)	(2.4%)	1.0%	(8.8%)	(71.4%)	(2.9%)	0.8%	(4.0%)	(6.1%)	(2.3%)	(8.0%)	(11.9%)	(4.4%)	(6.8%)	(6.5%)	(6.5%)	(13.0%)	(2.6%)	(4.5%)	(5.1%)	(6.5%)	(12.1%)	(3.0%)	(5.8%)	(4.8%)	(4.3%)	(5.5%)	(2.9%)	(7.9%)	(0.9%)	(4.0%)	(8.6%)	(2.5%)	(3.7%)	(0.9%)	(2.5%)	1.8%	(1.6%)	(3.2%)	(7.6%)	(2.0%)	2.3%	0.7%	(14.2%)	4.1%
Expense Ratio	25.2%	28.3%	25.5%	24.1%	22.7%	28.4%	30.6%	25.6%	20.6%	44.1%	33.1%	31.0%	32.8%	29.3%	43.9%	29.7%	30.5%	29.3%	30.7%	28.1%	31.2%	34.3%	32.0%	30.7%	26.8%	30.1%	32.7%	28.6%	30.2%	28.4%	29.5%	33.7%	29.1%	26.8%	28.1%	30.8%	35.2%	29.4%	29.2%	29.6%	30.0%	31.2%	30.0%	29.7%	28.9%	29.8%	36.4%	26.9%	29.3%	25.4%	30.3%	30.3%	32.2%	29.4%	29.2%
Combined Ratio	84.1%	90.3%	80.5%	83.6%	81.9%	77.0%	87.6%	80.8%	72.2%	58.7%	88.4%	92.7%	91.5%	87.0%	77.8%	92.4%	95.8%	90.5%	92.9%	90.2%	90.4%	90.4%	90.2%	92.9%	88.0%	88.7%	83.7%	91.0%	92.6%	87.4%	85.4%	83.5%	86.4%	83.6%	88.1%	92.1%	96.3%	89.3%	88.1%	94.8%	93.7%	91.4%	92.4%	94.4%	96.7%	93.4%	102.8%	92.8%	86.7%	90.3%	96.7%	94.6%	99.0%	94.1%	99.3%
Non Life Accident & Health
Net Earned Premiums	244.5	63.7	61.4	60.4	59.0	219.1	58.6	56.9	56.5	47.1	270.2	73.6	69.5	68.1	59.0	318.1	83.1	79.8	78.7	76.5	372.7	116.1	73.9	92.6	90.1	327.7	89.1	85.0	84.3	69.2	255.2	64.4	64.6	63.4	62.8	238.1	60.1	59.7	59.7	58.6	226.8	58.1	56.7	55.1	56.9	226.4	59.0	55.6	56.3	55.5	219.5	55.0	51.6	57.7	55.2
Claims Ratio	63.9%	67.8%	66.7%	55.7%	65.2%	57.9%	61.2%	59.4%	59.5%	50.1%	61.3%	61.9%	59.6%	65.0%	58.3%	62.5%	60.7%	61.6%	61.9%	65.9%	61.4%	58.6%	58.7%	63.3%	65.2%	64.9%	64.3%	62.8%	69.7%	62.5%	58.8%	59.3%	55.8%	61.4%	58.7%	61.9%	64.7%	57.8%	63.3%	61.8%	59.7%	48.5%	67.2%	60.0%	63.3%	63.3%	69.6%	57.9%	63.1%	62.4%	63.5%	61.1%	64.9%	61.4%	66.7%
Expense Ratio	21.5%	24.0%	22.6%	19.8%	19.2%	22.2%	27.4%	20.7%	17.4%	23.1%	26.1%	26.6%	27.3%	25.3%	24.6%	24.8%	25.3%	24.8%	26.0%	22.9%	26.8%	30.5%	25.1%	26.8%	23.5%	25.1%	26.2%	22.4%	26.6%	25.0%	25.2%	28.7%	24.6%	24.4%	23.1%	26.7%	28.6%	25.7%	27.3%	24.9%	26.6%	27.6%	26.0%	26.7%	26.0%	28.2%	34.4%	27.2%	26.1%	24.5%	27.8%	27.2%	30.4%	26.9%	27.0%
Combined Ratio	85.4%	91.8%	89.3%	75.5%	84.4%	80.1%	88.6%	80.1%	76.9%	73.2%	87.4%	88.5%	86.9%	90.3%	82.9%	87.3%	86.0%	86.4%	87.9%	88.8%	88.2%	89.1%	83.8%	90.1%	88.7%	90.0%	90.5%	85.2%	96.3%	87.5%	84.0%	88.0%	80.4%	85.8%	81.8%	88.6%	93.3%	83.5%	90.6%	86.7%	86.3%	76.1%	93.2%	86.7%	89.3%	91.5%	104.0%	85.1%	89.2%	86.9%	91.3%	88.3%	95.3%	88.3%	93.7%
Non Life Motor
Net Earned Premiums	135.4	33.8	34.2	33.8	33.6	107.2	33.6	33.4	33.0	7.2	139.9	43.3	42.9	40.6	13.1	188.4	47.9	47.8	46.7	46.0	249.3	81.7	46.2	62.2	59.2	201.6	60.1	59.5	58.6	23.4	94.2	24.0	23.7	23.3	23.2	96.1	24.1	23.5	24.5	24.1	98.6	25.2	24.3	24.8	24.3	99.0	25.5	25.2	25.0	23.3	97.0	24.0	24.1	24.5	24.4
Claims Ratio	63.8%	75.2%	65.2%	59.6%	55.0%	43.1%	56.9%	55.5%	44.7%	(87.4%)	58.5%	68.6%	68.9%	62.2%	(19.9%)	68.0%	69.0%	71.7%	69.1%	62.2%	70.4%	68.8%	66.0%	77.3%	69.0%	65.5%	54.0%	76.2%	69.1%	59.1%	71.5%	65.3%	77.0%	66.7%	77.1%	60.1%	53.7%	44.2%	68.6%	73.2%	79.3%	95.1%	57.4%	87.7%	76.3%	69.8%	80.5%	74.9%	55.2%	68.2%	71.8%	54.3%	80.4%	74.1%	78.3%
Expense Ratio	31.4%	36.4%	30.4%	30.7%	28.3%	37.5%	34.9%	31.3%	24.6%	139.2%	42.9%	37.5%	38.5%	33.8%	102.3%	35.3%	35.9%	35.3%	35.7%	34.1%	35.0%	41.0%	39.8%	32.1%	25.9%	32.5%	38.3%	27.4%	32.6%	30.2%	32.3%	34.0%	30.9%	31.1%	33.2%	31.6%	38.8%	30.4%	24.8%	32.8%	29.2%	31.7%	28.8%	27.9%	28.4%	28.1%	29.5%	19.2%	36.1%	27.4%	29.2%	38.0%	23.2%	28.0%	27.5%
Combined Ratio	95.2%	111.6%	95.6%	90.3%	83.3%	80.6%	91.8%	86.8%	69.3%	51.8%	101.4%	106.1%	107.4%	96.0%	82.4%	103.3%	104.9%	107.0%	104.8%	96.3%	105.4%	109.8%	105.8%	109.4%	94.9%	98.0%	92.3%	103.6%	101.7%	89.3%	103.8%	99.3%	107.9%	97.8%	110.3%	91.7%	92.5%	74.6%	93.4%	106.0%	108.5%	126.8%	86.2%	115.6%	104.7%	97.9%	110.0%	94.1%	91.3%	95.6%	101.0%	92.3%	103.6%	102.1%	105.8%
Non Life Household
Net Earned Premiums	58.0	16.1	14.4	14.1	13.4	49.3	13.7	13.4	13.5	8.7	62.5	17.5	17.6	17.0	10.4	73.8	17.9	18.6	19.1	18.2	104.8	36.0	18.0	26.3	24.5	91.4	26.9	22.9	25.0	16.6	69.9	19.9	17.9	17.5	14.6	50.9	13.9	11.9	14.1	11.0	48.1	13.1	11.6	12.8	10.6	43.9	12.7	9.7	12.9	8.6	41.9	11.4	9.7	11.8	9.1
Claims Ratio	37.3%	26.6%	30.6%	45.3%	49.0%	35.4%	47.7%	44.6%	40.6%	-6.0%	34.5%	48.0%	37.6%	25.5%	21.1%	48.5%	66.7%	36.4%	40.6%	51.2%	46.5%	48.8%	43.1%	42.1%	50.4%	42.3%	32.9%	49.6%	36.9%	55.4%	36.1%	12.7%	40.3%	42.4%	55.7%	54.0%	54.8%	56.1%	30.2%	81.3%	53.5%	22.2%	54.5%	54.9%	89.7%	51.8%	28.8%	75.5%	45.3%	68.6%	53.7%	44.4%	49.8%	45.7%	80.0%
Expense Ratio	24.4%	25.4%	24.6%	24.6%	22.8%	30.4%	31.5%	30.1%	22.4%	41.4%	36.0%	30.5%	37.6%	33.0%	47.6%	34.2%	37.6%	29.4%	36.0%	34.0%	34.7%	38.8%	38.1%	31.3%	30.0%	38.0%	37.8%	43.4%	36.1%	33.9%	35.9%	40.6%	38.6%	27.6%	35.6%	40.3%	47.6%	38.9%	35.5%	38.8%	38.8%	39.8%	42.7%	36.8%	36.0%	33.5%	36.4%	42.4%	26.3%	29.8%	34.2%	29.6%	43.6%	30.2%	35.1%
Combined Ratio	61.7%	52.0%	55.2%	69.9%	71.8%	65.8%	79.2%	74.7%	63.0%	35.4%	70.5%	78.5%	75.2%	58.5%	68.7%	82.7%	104.3%	65.8%	76.6%	85.2%	81.2%	87.6%	81.2%	73.4%	80.4%	80.3%	70.7%	93.0%	73.0%	89.3%	72.0%	53.3%	78.9%	70.0%	91.3%	94.3%	102.4%	95.0%	65.7%	120.1%	92.3%	62.0%	97.2%	91.7%	125.7%	85.3%	65.2%	117.9%	71.6%	98.4%	87.9%	74.0%	93.4%	75.9%	115.1%
Non Life Other
Net Earned Premiums	9.9	2.7	2.6	2.3	2.3	1.5	2.5	2.4	2.4	( 5.8 )	3.8	3.0	3.0	3.1	( 5.3 )	13.4	3.4	3.4	3.5	3.1	41.2	17.5	3.6	9.9	10.2	43.0	13.0	10.2	11.3	8.5	34.8	9.4	9.1	8.6	7.7	30.2	7.1	8.2	7.7	7.2	29.2	7.6	7.4	7.3	7.0	27.8	11.4	4.3	6.9	5.2	23.4	5.7	6.0	6.0	5.7
Claims Ratio	-3.8%	-29.9%	-222.8%	237.2%	23.5%	-506.2%	9.3%	10.2%	20.9%	145.0%	-147.7%	38.9%	19.4%	13.7%	147.6%	72.6%	120.6%	42.7%	92.4%	28.4%	3.9%	-5.5%	24.7%	9.9%	6.8%	12.1%	-15.6%	7.8%	29.7%	36.6%	31.7%	23.2%	50.0%	25.9%	27.4%	72.3%	66.5%	125.3%	46.6%	42.0%	59.6%	100.3%	54.7%	39.7%	41.5%	62.8%	60.4%	95.6%	40.7%	70.4%	94.5%	178.3%	55.7%	94.4%	52.5%
Expense Ratio	37.5%	43.5%	38.9%	35.5%	31.2%	239.0%	41.8%	39.9%	33.1%	(12.5%)	131.2%	45.1%	50.2%	39.6%	(17.3%)	41.5%	43.0%	46.7%	40.5%	34.6%	39.2%	19.6%	42.9%	57.9%	53.2%	41.3%	40.6%	53.0%	32.2%	40.5%	40.8%	53.0%	38.4%	31.2%	39.3%	45.1%	52.8%	39.1%	46.5%	41.9%	43.7%	41.5%	44.5%	45.8%	43.0%	43.3%	61.8%	32.1%	37.6%	19.3%	50.0%	29.3%	65.3%	57.3%	47.0%
Combined Ratio	33.7%	13.6%	-183.9%	272.7%	54.7%	-267.2%	51.1%	50.1%	54.0%	132.5%	-16.5%	84.0%	69.6%	53.3%	130.3%	114.0%	163.6%	89.4%	132.9%	63.0%	43.1%	14.1%	67.6%	67.8%	60.0%	53.4%	25.0%	60.8%	61.9%	77.1%	72.5%	76.2%	88.4%	57.1%	66.7%	117.4%	119.3%	164.4%	93.1%	83.9%	103.3%	141.8%	99.2%	85.5%	84.5%	106.1%	122.2%	127.7%	78.3%	89.7%	144.5%	207.6%	121.0%	151.7%	99.5%
Margins in % of Net Earned Premiums (excluding associates)
Operating Margin	17.12%	12.56%	20.60%	19.55%	15.90%	25.15%	18.43%	19.30%	29.91%	40.00%	15.99%	12.23%	10.60%	19.42%	26.26%	9.25%	7.62%	10.82%	7.97%	10.64%	11.66%	11.51%	12.97%	10.64%	11.94%	12.74%	15.85%	8.95%	12.52%	13.82%	18.32%	19.97%	17.19%	21.65%	14.22%	11.87%	8.09%	14.32%	16.41%	8.56%	10.28%	12.49%	12.11%	9.90%	6.48%	10.78%	0.55%	10.43%	20.18%	12.84%	6.97%	9.79%	4.70%	10.00%	3.07%
Net Underwriting margin	15.86%	9.59%	19.38%	16.41%	18.12%	22.99%	13.81%	19.16%	27.78%	41.31%	11.54%	7.34%	8.44%	12.94%	22.25%	7.61%	4.15%	9.51%	7.11%	9.78%	9.58%	9.61%	9.75%	7.08%	11.99%	11.29%	16.28%	9.04%	7.38%	12.62%	14.64%	16.50%	13.55%	16.40%	11.92%	7.90%	3.68%	10.71%	11.89%	5.24%	6.33%	8.34%	7.34%	5.70%	3.34%	6.59%	(2.80%)	7.37%	13.25%	9.67%	3.34%	5.41%	1.01%	5.92%	0.74%
Investment margin	1.07%	1.86%	1.31%	0.48%	0.55%	2.32%	5.96%	0.80%	1.53%	(0.27%)	1.41%	1.25%	0.81%	1.28%	2.72%	1.13%	0.25%	1.24%	0.94%	2.16%	2.01%	2.65%	1.00%	1.97%	1.98%	3.64%	7.80%	3.03%	3.29%	3.35%	3.59%	3.23%	3.24%	4.17%	3.78%	3.98%	4.09%	3.77%	3.96%	4.10%	3.92%	3.94%	4.00%	3.70%	4.05%	4.23%	3.22%	3.48%	5.14%	5.18%	3.61%	4.38%	3.72%	3.20%	3.18%
Other margin	0.19%	1.11%	(0.09%)	2.66%	(2.77%)	(0.16%)	(1.34%)	(0.66%)	0.60%	(1.04%)	3.04%	3.64%	1.35%	5.20%	1.29%	0.51%	3.22%	0.07%	(0.08%)	(1.30%)	0.07%	(0.75%)	2.22%	1.59%	(2.03%)	(2.19%)	(8.23%)	(3.12%)	1.85%	(2.15%)	0.09%	0.25%	0.42%	1.08%	(1.48%)	(0.01%)	0.38%	(0.19%)	0.57%	(0.78%)	0.02%	0.50%	0.50%	(0.91%)	(0.05%)	0.09%	(0.32%)	1.78%	(1.94%)	0.03%	0.80%	(0.74%)
OTHER DATA	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
No of FTEs	1,663	1,663	1,634	1,622	1,615	1,599	1,599	1,665	1,557	1,469	1,529	1,529	1,606	1,532	1,457	1,503	1,503	1,502	1,505	1,500	1,495	1,495	1,740	1,742	1,730	1,714	1,714	1,704	1,676	988	879	879	933	919	923	905	905	907	876	880	1,070	1,070	1,072	1,084	1,086	1,085	1,085	1,079	1,086	1,076	1,062	1,062	1,062	1,133	1,280
Life
Total Technical Liabilities - Life	15,192.1	15,192.1	15,317.0	15,518.2	15,611.7	15,822.4	15,822.4	15,579.8	15,548.5	15,260.1	16,198.7	16,198.7	16,512.6	17,361.2	16,771.7	16,110.8	16,110.8	16,148.9	16,211.3	16,344.2	16,307.7	16,307.7	16,069.4	15,859.3	15,603.6	15,485.0	15,485.0	15,544.0	15,368.9	14,512.6	14,611.7	14,611.7	14,599.3	14,724.7	15,287.4	14,478.5	14,478.5	14,226.4	14,190.2	14,254.6	13,941.0	13,941.0	14,039.0	13,855.4	14,341.6	14,137.9	14,137.9	14,161.2	13,685.3	13,923.0	13,722.2	13,722.2	14,108.5	15,032.9	23,010.9
Guaranteed	8,677.6	8,677.6	8,899.8	9,068.0	9,187.7	9,386.5	9,386.5	9,379.4	9,342.6	9,218.5	9,561.0	9,561.0	9,815.8	9,581.8	9,149.2	8,760.4	8,760.4	8,552.2	8,559.4	8,587.2	8,470.6	8,470.6	8,418.9	8,322.1	8,243.9	9,579.8	9,579.8	9,759.8	9,641.0	8,721.0	8,523.2	8,523.2	8,454.4	8,456.3	8,872.1	8,271.5	8,271.5	8,044.0	7,896.0	7,769.4	7,688.6	7,688.6	7,729.6	7,797.1	7,856.0	7,766.0	7,766.0	7,766.5	7,706.6	7,852.6	7,872.2	7,872.2	8,106.6	8,342.9	8,914.8
Unit linked	6,514.5	6,514.5	6,417.2	6,450.2	6,424.0	6,435.9	6,435.9	6,200.4	6,205.9	6,041.6	6,637.7	6,637.7	6,696.8	7,779.4	7,622.5	7,350.4	7,350.4	7,596.7	7,651.9	7,757.0	7,837.1	7,837.1	7,650.5	7,537.2	7,359.7	5,905.2	5,905.2	5,784.2	5,727.9	5,791.6	6,088.5	6,088.5	6,144.9	6,268.4	6,415.3	6,207.0	6,207.0	6,182.4	6,294.2	6,485.2	6,252.4	6,252.4	6,309.4	6,058.3	6,485.6	6,371.9	6,371.9	6,394.7	5,978.7	6,070.4	5,850.0	5,850.0	6,001.9	6,690.0	14,096.1
Average Life Technical Liabilities (excl shadow accounting)	14,711.1	14,551.6	14,675.3	14,795.4	14,864.0	15,173.8	14,825.4	14,777.7	14,765.5	15,083.6	15,557.8	15,498.1	15,611.7	16,111.1	15,922.7	15,727.1	15,727.1	15,734.3	15,737.8	15,776.0	15,444.2	15,444.2	15,345.8	15,274.7	15,193.1	14,655.6	14,655.6	14,609.6	14,533.2	14,131.4	14,126.6	14,126.6	14,115.0	14,207.3	14,346.1	13,950.4	13,950.4	13,860.7	13,879.7	13,948.3	13,948.7	13,948.7	14,007.9	13,919.0	14,145.6	13,925.5	13,925.5	13,895.9	13,820.1	13,873.2	14,727.7	14,727.7	14,932.5	15,162.1	23,042.7
Guaranteed (excl shadow accounting)	8,235.9	8,085.8	8,241.6	8,358.3	8,434.1	8,637.0	8,507.3	8,574.5	8,641.7	8,744.0	8,563.8	8,830.9	8,588.1	8,546.3	8,436.3	8,132.5	8,132.5	8,016.5	7,992.4	7,978.1	7,930.5	7,930.5	7,925.4	7,910.9	7,918.1	8,658.7	8,658.7	8,673.2	8,625.0	8,191.3	7,978.8	7,978.8	7,939.0	7,969.6	8,035.0	7,720.7	7,720.7	7,643.3	7,606.4	7,579.5	7,636.5	7,636.5	7,667.2	7,703.9	7,716.8	7,792.4	7,792.4	7,822.5	7,853.7	7,913.0	8,324.8	8,324.8	8,399.1	8,461.7	8,965.6
Unit-Linked (excl shadow accounting)	6,475.2	6,465.9	6,433.7	6,437.1	6,429.9	6,536.7	6,318.2	6,203.2	6,123.8	6,339.6	6,994.0	6,667.2	7,023.6	7,564.9	7,486.4	7,594.6	7,594.6	7,717.8	7,745.4	7,797.9	7,513.7	7,513.7	7,420.4	7,363.8	7,275.0	5,996.9	5,996.9	5,936.4	5,908.2	5,940.1	6,147.8	6,147.8	6,176.0	6,237.7	6,311.1	6,229.7	6,229.7	6,217.4	6,273.3	6,368.8	6,312.2	6,312.2	6,340.7	6,215.1	6,428.8	6,133.1	6,133.1	6,073.4	5,966.4	5,960.2	6,402.9	6,402.9	6,533.4	6,700.4	14,077.1
Operating cost Life / FUM Life ratio (annualised)	0.49%	0.56%	0.47%	0.47%	0.45%	0.45%	0.49%	0.42%	0.43%	0.50%	0.41%	0.42%	0.39%	0.41%	0.41%	0.39%	0.42%	0.38%	0.38%	0.36%	0.41%	0.47%	0.39%	0.41%	0.39%	0.42%	0.49%	0.39%	0.40%	0.41%	0.40%	0.38%	0.40%	0.38%	0.43%	0.46%	0.57%	0.43%	0.43%	0.43%	0.53%	0.54%	0.56%	0.52%	0.51%	0.54%	0.63%	0.49%	0.50%	0.52%	0.58%	0.55%	0.58%	0.58%	0.56%
Non Life
Total Technical Liabilities - Non Life	844.2	844.2	845.6	858.3	866.7	843.1	843.1	855.0	853.7	868.2	856.0	856.0	857.9	867.3	882.9	862.4	862.4	862.5	862.2	862.1	841.1	841.1	1,406.5	1,412.6	1,420.5	1,388.8	1,388.8	1,388.4	1,381.4	769.9	771.8	771.8	752.9	758.2	754.1	746.1	746.1	727.5	733.7	735.0	720.3	720.3	708.2	713.6	706.1	695.1	695.1	655.5	659.9	664.5	660.4	660.4	636.4	637.1	632.4
Reserves / Premium ratio	189%	181%	188%	194%	200%	224%	195%	201%	202%	380%	180%	156%	161%	168%	286%	145%	142%	144%	146%	150%	110%	84%	248%	185%	193%	209%	184%	195%	193%	164%	170%	164%	163%	168%	174%	180%	178%	176%	173%	182%	179%	173%	177%	178%	179%	175%	160%	173%	163%	179%	173%	172%	174%	159%	167%
0	0	0

Annex 9 (AS)

ASIA
in EUR million
INCOME STATEMENT - LIFE	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross written premiums	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	143.9	0.0	0.0	51.6	92.3	415.8	122.7	104.2	103.3	85.6	317.9	97.5	78.9	78.6	62.9	298.3	83.9	75.0	76.3	63.1	289.3	83.6	78.0	70.5	57.2	239.4	69.2	63.1	55.9	51.2
Investment contracts without dpf	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	39.4	0.0	0.0	11.5	27.9	141.4	31.0	30.0	40.0	40.4	163.1	42.8	35.0	38.6	46.7	186.2	59.5	41.4	43.7	41.6	157.3	49.9	33.5	43.0	30.9	113.6	35.8	27.5	26.6	23.7
Gross Inflow Life	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	183.3	0.0	0.0	63.1	120.2	557.2	153.7	134.2	143.3	126.0	481.0	140.3	113.9	117.2	109.6	484.5	143.4	116.4	120.0	104.7	446.6	133.5	111.5	113.4	88.2	353.0	105.0	90.6	82.4	75.0
Operating result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	17.1	0.0	0.0	4.5	12.6	59.5	10.4	14.8	16.8	17.5	41.2	14.0	11.5	8.2	7.5	37.8	17.4	5.9	4.6	9.9	34.3	7.6	10.2	4.5	12.0	18.5	( 3.3 )	4.9	8.1	8.8
Non-allocated other income and expenses	( 14.6 )	( 7.5 )	( 7.1 )	( 25.7 )	( 7.1 )	( 6.5 )	( 5.8 )	( 6.3 )	( 24.0 )	( 5.2 )	( 6.5 )	( 6.2 )	( 6.1 )	( 30.1 )	( 7.7 )	( 7.1 )	( 8.5 )	( 6.8 )	( 27.1 )	( 7.3 )	( 6.9 )	( 6.6 )	( 6.3 )	( 27.0 )	( 7.0 )	( 5.8 )	( 7.4 )	( 6.8 )	168.5	( 8.8 )	( 7.3 )	189.6	( 5.0 )	( 31.3 )	( 11.7 )	( 7.4 )	( 6.3 )	( 5.9 )	( 18.6 )	( 6.2 )	( 4.6 )	( 3.8 )	( 4.0 )	( 12.2 )	( 3.0 )	( 3.4 )	( 3.3 )	( 2.5 )	( 10.9 )	( 2.6 )	( 2.8 )	( 2.6 )	( 2.9 )	( 111.9 )	( 102.8 )	10.0	14.9	14.5
Result before taxation consolidated entities	( 14.6 )	( 7.5 )	( 7.1 )	( 25.7 )	( 7.1 )	( 6.5 )	( 5.8 )	( 6.3 )	( 24.0 )	( 5.2 )	( 6.5 )	( 6.2 )	( 6.1 )	( 30.1 )	( 7.7 )	( 7.1 )	( 8.5 )	( 6.8 )	( 27.1 )	( 7.3 )	( 6.9 )	( 6.6 )	( 6.3 )	( 27.0 )	( 7.0 )	( 5.8 )	( 7.4 )	( 6.8 )	185.6	( 8.8 )	( 7.3 )	194.1	7.6	28.2	( 1.3 )	7.4	10.5	11.6	22.6	7.8	6.9	4.4	3.5	25.6	14.4	2.5	1.3	7.4	23.4	5.0	7.4	1.9	9.1	( 93.4 )	( 106.1 )	1.0	6.1	5.6
Result equity associates	162.2	123.1	39.1	388.2	99.3	96.5	46.2	146.2	259.0	8.4	39.8	135.4	75.4	533.5	79.9	114.8	190.1	148.8	179.3	( 39.0 )	41.9	49.7	126.7	295.9	93.6	86.2	62.2	53.9	182.5	19.1	45.8	69.8	47.8	235.1	47.2	1.0	142.8	44.1	136.7	25.9	46.9	31.9	32.0	99.8	21.3	29.5	23.8	25.2	100.7	24.3	16.4	29.7	30.3	23.7	( 24.8 )	13.9	16.9	17.7
Result before taxation	147.8	115.7	32.1	362.7	92.3	90.1	40.4	139.9	235.0	3.2	33.2	129.4	69.2	503.4	72.1	107.7	181.6	142.0	152.2	( 46.3 )	35.0	43.1	120.4	268.9	86.6	80.4	54.8	47.1	368.1	10.3	38.5	263.9	55.4	263.3	45.9	8.4	153.3	55.7	159.3	33.7	53.8	36.3	35.5	125.4	35.7	32.0	25.1	32.6	124.1	29.3	23.8	31.6	39.4	( 69.7 )	( 130.9 )	14.9	23.0	23.3
Income tax expenses	( 0.1 )	0.0	( 0.1 )	( 0.3 )	( 0.1 )	0.0	( 0.2 )	( 0.1 )	( 0.3 )	( 0.3 )	0.0	0.0	0.0	( 0.2 )	( 0.2 )	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 1.3 )	0.0	0.0	0.1	( 1.4 )	( 4.4 )	( 1.3 )	( 1.0 )	( 1.1 )	( 1.0 )	( 3.7 )	( 1.0 )	( 0.9 )	( 0.9 )	( 0.9 )	( 3.6 )	( 1.1 )	( 0.8 )	( 0.9 )	( 0.8 )	( 3.5 )	( 1.0 )	( 1.0 )	( 0.8 )	( 0.7 )	( 2.6 )	( 0.7 )	( 0.7 )	( 0.6 )	( 0.6 )
Non Controlling interests	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net result attributable to shareholders	147.7	115.7	32.0	362.4	92.2	90.1	40.3	139.8	234.7	2.9	33.2	129.4	69.2	503.2	71.9	107.7	181.6	142.0	152.2	( 46.3 )	35.0	43.1	120.4	268.9	86.6	80.4	54.8	47.1	366.8	10.3	38.5	264.0	54.0	258.9	44.6	7.4	152.2	54.7	155.6	32.7	52.9	35.4	34.6	121.8	34.6	31.2	24.2	31.8	120.6	28.3	22.8	30.8	38.7	( 72.3 )	( 131.6 )	14.2	22.4	22.7
INCOME STATEMENT - NON-LIFE	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q3 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross Written Premiums	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Operating result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Non-allocated other income and expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Result before taxation consolidated entities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Result equity associates	13.7	6.6	7.1	40.3	7.1	10.5	14.9	7.8	34.5	8.9	8.0	12.4	5.2	11.7	0.1	3.8	2.9	4.9	17.4	5.5	5.4	3.1	3.4	23.8	9.4	3.2	6.8	4.4	27.4	6.2	10.2	4.4	6.6	13.0	5.8	2.5	1.4	3.3	16.3	3.9	4.1	4.4	3.9	20.5	6.4	4.0	4.4	5.7	7.9	1.6	1.4	0.6	4.3	8.2	( 4.6 )	4.1	1.2	7.4
Result before taxation	13.7	6.6	7.1	40.3	7.1	10.5	14.9	7.8	34.5	8.9	8.0	12.4	5.2	11.7	0.1	3.8	2.9	4.9	17.4	5.5	5.4	3.1	3.4	23.8	9.4	3.2	6.8	4.4	27.4	6.2	10.2	4.4	6.6	13.0	5.8	2.5	1.4	3.3	16.3	3.9	4.1	4.4	3.9	20.5	6.4	4.0	4.4	5.7	7.9	1.6	1.4	0.6	4.3	8.2	( 4.6 )	4.1	1.2	7.4
Income tax expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Non Controlling interests	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net result attributable to shareholders	13.7	6.6	7.1	40.3	7.1	10.5	14.9	7.8	34.5	8.9	8.0	12.4	5.2	11.7	0.1	3.8	2.9	4.9	17.4	5.5	5.4	3.1	3.4	23.8	9.4	3.2	6.8	4.4	27.4	6.2	10.2	4.4	6.6	13.0	5.8	2.5	1.4	3.3	16.3	3.9	4.1	4.4	3.9	20.5	6.4	4.0	4.4	5.7	7.9	1.6	1.4	0.6	4.3	8.2	( 4.6 )	4.1	1.2	7.4
INCOME STATEMENT - TOTAL	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q3 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Gross Inflow	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	183.3	0.0	0.0	63.0	120.2	557.2	153.7	134.2	143.3	126.0	481.0	140.4	113.8	117.3	109.6	484.5	143.4	116.4	120.0	104.7	446.6	133.5	111.5	113.4	88.2	353.0	105.0	90.6	82.4	75.0
Net result attributable to shareholders	161.4	122.3	39.1	402.6	99.2	100.6	55.2	147.6	269.2	11.8	41.2	141.8	74.4	514.9	72.0	111.5	184.5	146.9	169.6	( 40.8 )	40.4	46.2	123.8	292.7	96.0	83.6	61.6	51.5	394.2	16.5	48.7	268.4	60.6	271.9	50.4	10.0	153.5	58.0	171.9	36.6	56.9	39.8	38.5	142.3	41.0	35.2	28.6	37.5	128.5	29.9	24.2	31.4	43.0	( 64.1 )	( 136.2 )	18.4	23.5	30.2
KEY PERFORMANCE INDICATORS	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q3 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
Life
Gross Inflow	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	183.3	0.0	0.0	63.1	120.2	557.2	153.7	134.2	143.3	126.0	481.0	140.3	113.9	117.2	109.6	484.5	143.4	116.4	120.0	104.7	446.6	133.5	111.5	113.4	88.2	353.0	105.0	90.6	82.4	75.0
Individual Single	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4.4	0.0	0.0	1.2	3.2	27.0	4.2	4.2	10.2	8.4	54.9	12.0	9.0	13.9	20.0	78.1	32.3	15.5	15.7	14.6	63.1	22.9	9.2	22.1	8.9	38.4	14.9	8.7	8.9	5.9
Individual Regular	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	178.8	0.0	0.0	61.9	116.9	529.8	149.3	130.1	133.0	117.4	425.8	128.2	104.9	103.2	89.5	402.8	110.8	100.0	103.1	88.9	379.4	109.5	101.3	90.2	78.4	311.0	89.3	81.0	72.7	68.0
Group Single	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Group Regular	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.1	0.0	0.0	0.0	0.1	0.4	0.1	0.0	0.1	0.2	0.3	0.1	0.0	0.1	0.1	3.7	0.4	0.9	1.2	1.2	4.1	1.1	1.0	1.1	0.9	3.6	0.9	0.8	0.9	1.0
Gross Inflow	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	183.3	0.0	0.0	63.1	120.2	557.2	153.6	134.3	143.3	126.0	481.0	140.3	113.9	117.2	109.6	484.5	143.4	116.4	120.0	104.7	446.6	133.5	111.5	113.4	88.2	353.0	105.0	90.6	82.4	75.0
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	137.5	0.0	0.0	49.5	88.0	397.3	117.6	99.9	98.3	81.5	304.1	93.5	75.5	75.2	59.9	287.5	80.6	72.7	73.2	61.0	282.1	82.1	76.1	68.0	55.9	237.5	68.8	62.7	55.2	50.8
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	45.8	0.0	0.0	13.6	32.2	159.9	36.0	34.4	45.0	44.5	176.9	46.8	38.4	42.0	49.7	197.0	62.8	43.7	46.8	43.7	164.5	51.4	35.4	45.4	32.3	115.5	36.2	27.9	27.2	24.2
Operating result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	17.1	0.0	0.0	4.5	12.6	59.5	10.4	14.8	16.8	17.5	41.2	14.0	11.5	8.2	7.5	37.8	17.4	5.9	4.6	9.9	34.3	7.6	10.1	4.5	12.0	18.5	( 3.3 )	4.9	8.1	8.8
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	10.0	0.0	0.0	2.0	8.0	35.5	4.6	8.7	10.1	12.1	39.7	13.1	10.1	7.5	9.0	55.2	33.7	5.5	6.4	9.6	28.8	8.3	7.8	4.3	8.3	23.7	( 0.1 )	7.3	8.0	8.5
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	7.1	0.0	0.0	2.5	4.6	24.0	5.8	6.1	6.7	5.4	1.5	0.9	1.4	0.7	( 1.5 )	( 17.4 )	( 16.3 )	0.4	( 1.8 )	0.3	5.5	( 0.7 )	2.3	0.2	3.7	( 5.2 )	( 3.2 )	( 2.4 )	0.1	0.3
Net underwriting result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	21.9	0.0	0.0	6.6	15.3	64.1	12.2	16.8	17.6	17.5	38.0	16.3	7.2	7.5	7.0	34.2	14.1	5.7	7.8	6.6	35.7	7.2	10.9	6.2	11.4	24.5	1.9	6.5	7.3	8.8
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	16.0	0.0	0.0	4.2	11.8	41.7	6.8	11.1	11.3	12.5	38.0	15.8	6.9	6.8	8.5	51.6	30.4	5.5	9.4	6.3	30.2	7.9	8.6	6.0	7.7	29.7	5.1	8.9	7.2	8.5
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	5.9	0.0	0.0	2.4	3.5	22.4	5.4	5.7	6.3	5.0	0.0	0.5	0.3	0.7	( 1.5 )	( 17.4 )	( 16.3 )	0.2	( 1.6 )	0.3	5.5	( 0.7 )	2.3	0.2	3.7	( 5.2 )	( 3.2 )	( 2.4 )	0.1	0.3
Underwriting result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	6.2	0.0	0.0	1.0	5.2	12.8	4.7	2.4	2.7	3.0	8.6	4.6	0.4	( 5.1 )	8.7	8.8	4.5	0.8	2.5	1.0	8.0	0.7	4.8	( 0.3 )	2.8	( 1.3 )	( 0.1 )	( 1.0 )	( 2.7 )	2.5
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.2	0.0	0.0	( 1.0 )	2.2	( 8.0 )	( 0.5 )	( 2.5 )	( 2.9 )	( 2.1 )	( 6.6 )	( 0.3 )	( 3.3 )	( 7.9 )	4.9	( 4.3 )	1.3	( 1.8 )	( 1.1 )	( 2.7 )	( 1.9 )	( 0.8 )	1.5	( 2.8 )	0.2	( 7.5 )	( 1.4 )	( 2.6 )	( 4.4 )	0.9
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	5.0	0.0	0.0	2.0	3.0	20.8	5.2	4.9	5.6	5.1	15.2	4.9	3.7	2.8	3.8	13.1	3.2	2.6	3.6	3.7	9.9	1.5	3.3	2.5	2.6	6.2	1.3	1.6	1.7	1.6
Expense & Other result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	15.7	0.0	0.0	5.6	10.1	51.3	7.5	14.4	14.9	14.5	29.4	11.7	6.8	12.6	( 1.7 )	25.4	9.7	4.9	5.2	5.6	27.7	6.5	6.1	6.5	8.6	25.8	2.0	7.5	10.0	6.3
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	14.8	0.0	0.0	5.2	9.6	49.7	7.3	13.6	14.2	14.6	44.6	16.1	10.2	14.7	3.6	55.9	29.2	7.3	10.4	9.0	32.1	8.7	7.1	8.8	7.5	37.2	6.5	11.5	11.6	7.6
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.9	0.0	0.0	0.4	0.5	1.6	0.2	0.8	0.7	( 0.1 )	( 15.2 )	( 4.4 )	( 3.4 )	( 2.1 )	( 5.3 )	( 30.5 )	( 19.5 )	( 2.4 )	( 5.2 )	( 3.4 )	( 4.4 )	( 2.2 )	( 1.0 )	( 2.3 )	1.1	( 11.4 )	( 4.5 )	( 4.0 )	( 1.6 )	( 1.3 )
Investment result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 4.8 )	0.0	0.0	( 2.1 )	( 2.7 )	( 4.6 )	( 1.8 )	( 2.0 )	( 0.8 )	0.0	3.2	( 2.3 )	4.3	0.7	0.5	3.6	3.3	0.2	( 3.2 )	3.3	( 1.4 )	0.4	( 0.7 )	( 1.6 )	0.5	( 6.0 )	( 5.2 )	( 1.6 )	0.9	( 0.1 )
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 6.0 )	0.0	0.0	( 2.2 )	( 3.8 )	( 6.2 )	( 2.2 )	( 2.4 )	( 1.2 )	( 0.4 )	1.7	( 2.7 )	3.2	0.7	0.5	3.6	3.3	0.0	( 3.0 )	3.3	( 1.4 )	0.4	( 0.7 )	( 1.6 )	0.5	( 6.0 )	( 5.2 )	( 1.6 )	0.9	( 0.1 )
Unit-Linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.2	0.0	0.0	0.1	1.1	1.6	0.4	0.4	0.4	0.4	1.5	0.4	1.1	0.0	0.0	0.0	0.0	0.2	( 0.2 )	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Margins in % of average Life Technical Liabilities (excl Associates)
Operating Margin	1.74%	2.12%	1.48%	2.14%	2.41%	2.55%	1.90%	2.58%	2.20%	1.60%	1.50%	1.95%	3.59%	1.22%	0.97%	2.12%	1.98%	1.75%	2.38%	1.12%	2.99%	1.31%	(0.94%)	1.42%	2.34%	2.51%
Net underwriting margin	2.11%	2.28%	1.73%	2.44%	2.52%	2.56%	1.75%	2.99%	1.41%	1.45%	1.40%	1.76%	2.87%	1.18%	1.63%	1.41%	2.06%	1.66%	2.56%	1.51%	2.84%	1.74%	0.54%	1.88%	2.11%	2.51%
Underwriting margin	0.72%	0.46%	0.66%	0.35%	0.38%	0.45%	0.40%	0.83%	0.10%	(1.00%)	1.74%	0.45%	0.93%	0.17%	0.53%	0.21%	0.46%	0.16%	1.13%	(0.07%)	0.70%	(0.09%)	(0.03%)	(0.29%)	(0.78%)	0.71%
Expense & other margin	1.39%	1.82%	1.07%	2.09%	2.14%	2.11%	1.35%	2.16%	1.32%	2.45%	(0.34%)	1.30%	1.93%	1.01%	1.10%	1.20%	1.60%	1.50%	1.43%	1.58%	2.14%	1.83%	0.57%	2.17%	2.89%	1.80%
Investment margin	(0.37%)	(0.16%)	(0.25%)	(0.30%)	(0.11%)	(0.01%)	0.15%	(0.42%)	0.82%	0.15%	0.10%	0.19%	0.68%	0.04%	(0.66%)	0.71%	(0.08%)	0.09%	(0.20%)	(0.39%)	0.15%	(0.43%)	(1.47%)	(0.46%)	0.26%	(0.03%)

Guaranteed Margins
Operating Margin	1.61%	1.89%	0.98%	1.87%	2.24%	2.72%	2.77%	3.67%	2.92%	2.21%	2.70%	4.14%	10.12%	1.63%	1.92%	2.92%	2.26%	2.61%	2.48%	1.43%	2.77%	2.24%	(0.04%)	2.83%	3.14%	3.29%
Net underwriting margin	2.37%	2.22%	1.43%	2.41%	2.50%	2.81%	2.66%	4.34%	2.11%	1.99%	2.55%	3.87%	9.07%	1.63%	2.78%	1.91%	2.37%	2.48%	2.70%	1.96%	2.57%	2.81%	1.93%	3.45%	2.82%	3.29%
Underwriting margin	0.44%	(0.43%)	(0.13%)	(0.54%)	(0.63%)	(0.47%)	(0.47%)	(0.14%)	(0.93%)	(2.35%)	1.47%	(0.32%)	0.39%	(0.53%)	(0.33%)	(0.82%)	(0.15%)	(0.25%)	0.48%	(0.91%)	0.07%	(0.71%)	(0.53%)	(1.01%)	(1.73%)	0.35%
Expense & other margin	1.93%	2.65%	1.56%	2.95%	3.13%	3.28%	3.13%	4.48%	3.04%	4.34%	1.08%	4.19%	8.67%	2.16%	3.11%	2.73%	2.52%	2.73%	2.22%	2.87%	2.50%	3.52%	2.46%	4.46%	4.55%	2.94%
Investment margin	(0.76%)	(0.33%)	(0.45%)	(0.54%)	(0.26%)	(0.09%)	0.11%	(0.76%)	0.93%	0.22%	0.15%	0.27%	0.93%	0.06%	(0.86%)	1.00%	(0.11%)	0.13%	(0.22%)	(0.52%)	0.20%	(0.57%)	(1.97%)	(0.62%)	0.35%	(0.04%)

Unit Linked Margins
Operating Margin	2.01%	2.57%	2.48%	2.69%	2.73%	2.25%	0.21%	0.49%	0.79%	0.41%	(0.88%)	(2.86%)	(10.72%)	0.28%	(1.30%)	0.19%	1.18%	(0.60%)	2.08%	0.19%	3.67%	(1.47%)	(3.61%)	(2.73%)	0.11%	0.33%
Net underwriting margin	1.54%	2.40%	2.33%	2.50%	2.56%	2.10%	0.01%	0.38%	0.06%	0.41%	(0.88%)	(2.86%)	(10.72%)	0.14%	(1.16%)	0.19%	1.18%	(0.60%)	2.08%	0.19%	3.67%	(1.47%)	(3.61%)	(2.73%)	0.11%	0.33%
Underwriting margin	1.31%	2.23%	2.25%	2.14%	2.27%	2.15%	2.07%	2.71%	2.08%	1.59%	2.26%	2.15%	2.10%	1.79%	2.61%	2.66%	2.13%	1.29%	2.98%	2.38%	2.58%	1.75%	1.47%	1.82%	1.86%	1.74%
Expense & other margin	0.23%	0.17%	0.08%	0.36%	0.29%	(0.05%)	(2.06%)	(2.33%)	(2.03%)	(1.18%)	(3.14%)	(5.01%)	(12.82%)	(1.65%)	(3.77%)	(2.47%)	(0.95%)	(1.90%)	(0.90%)	(2.19%)	1.09%	(3.21%)	(5.08%)	(4.55%)	(1.75%)	(1.41%)
Investment margin	0.47%	0.17%	0.15%	0.19%	0.17%	0.15%	0.20%	0.22%	0.62%	0.14%	(0.14%)
OTHER DATA	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q3 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016	FY 2015	Q4 2015	Q3 2015	Q2 2015	Q1 2015	FY 2014	Q4 2014	Q3 2014	Q2 2014	Q1 2014	FY 2013	Q4 2013	Q3 2013	Q2 2013	Q1 2013	FY 2012	Q4 2012	Q3 2012	Q2 2012	Q1 2012	FY 2011	Q4 2011	Q3 2011	Q2 2011	Q1 2011
No of FTEs	72	72	70	69	69	69	69	67	65	65	66	68	66	67	67	69	69	70	69	69	68	66	67	69	69	70	70	68	67	67	68	68	472	462	462	456	452	439	437	437	430	434	424	418	418	410	401	394	389	389	388	386	379	352	352	345	343	333
Life	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Technical Liabilities - Life	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3,180.6	3,175.5	3,175.5	3,003.9	3,072.1	3,259.5	2,759.8	2,759.8	2,347.3	2,126.2	2,015.5	1,968.1	1,968.1	1,956.6	1,927.9	1,947.8	1,850.5	1,850.5	1,785.4	1,746.9	1,612.6	1,583.4	1,583.4	1,441.7	1,381.0	1,368.3
Guaranteed	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2,300.6	2,244.1	2,244.1	2,138.7	2,061.2	2,236.0	1,887.9	1,887.9	1,536.2	1,383.3	1,333.8	1,312.7	1,312.7	1,350.4	1,363.6	1,365.9	1,310.5	1,310.5	1,295.3	1,291.8	1,188.7	1,203.8	1,203.8	1,116.6	1,014.8	1,006.0
Unit linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	880.0	931.4	931.4	865.2	1,010.9	1,023.5	871.9	871.9	811.1	742.9	681.7	655.4	655.4	606.2	564.3	581.9	540.0	540.0	490.1	455.1	423.9	379.6	379.6	325.1	366.2	362.3
Average Life Technical Liabilities (excl shadow accounting)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2,900.7	2,810.6	2,810.6	2,749.7	2,800.9	2,739.3	2,167.5	2,167.5	2,093.3	2,048.7	2,004.2	1,939.8	1,939.8	1,928.6	1,888.4	1,868.9	1,736.3	1,736.3	1,700.5	1,646.4	1,604.2	1,411.6	1,411.6	1,382.6	1,385.7	1,401.7
Guaranteed (excl shadow accounting)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1,988.8	1,876.5	1,876.5	1,839.8	1,819.6	1,780.4	1,428.9	1,428.9	1,382.5	1,349.1	1,331.4	1,331.6	1,331.6	1,347.7	1,336.5	1,316.9	1,272.9	1,272.9	1,258.5	1,227.1	1,200.6	1,057.0	1,057.0	1,031.2	1,020.2	1,032.9
Unit-Linked (excl shadow accounting)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	911.9	934.1	934.1	909.9	981.3	958.9	738.6	738.6	710.8	699.6	672.8	608.2	608.2	580.9	551.9	552.0	463.4	463.4	442.0	419.3	403.6	354.6	354.6	351.4	365.5	368.8
Operating cost Life / FUM Life ratio (annualised)	2.03%	2.28%	2.78%	2.29%	2.26%	1.91%	2.35%	2.88%	2.37%	2.26%	2.26%	2.47%	3.03%	2.39%	2.35%	2.29%	2.72%	3.20%	2.92%	2.67%	2.49%	2.76%	3.43%	2.92%	2.45%	2.34%

Annex 9 (RE)

REINSURANCE
in EUR million
INCOME STATEMENT - LIFE	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016
Gross written premiums	15.4	7.3	8.1	44.2	11.3	11.1	11.0	10.8	15.0	3.5	3.5	8.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Investment contracts without dpf	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Gross Inflow Life	15.4	7.3	8.1	44.2	11.3	11.1	11.0	10.8	15.0	3.5	3.5	8.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Operating result	( 1.0 )	0.6	( 1.6 )	1.3	( 0.3 )	0.6	0.4	0.6	1.4	0.1	0.1	1.2	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Non-allocated other income and expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Result before taxation consolidated entities	( 1.0 )	0.6	( 1.6 )	1.3	( 0.3 )	0.6	0.4	0.6	1.4	0.1	0.1	1.2	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Result equity associates	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Result before taxation	( 1.0 )	0.6	( 1.6 )	1.3	( 0.3 )	0.6	0.4	0.6	1.4	0.1	0.1	1.2	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Income tax expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Non Controlling interests	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net result attributable to shareholders	( 1.0 )	0.6	( 1.6 )	1.3	( 0.3 )	0.6	0.4	0.6	1.4	0.1	0.1	1.2	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
INCOME STATEMENT - NON-LIFE	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016
Gross Written Premiums	866.4	358.6	507.8	1,579.0	338.5	359.4	404.8	476.3	1,626.3	252.7	353.5	330.0	690.1	1,688.5	234.4	317.5	275.2	861.4	61.1	15.8	16.0	14.3	15.0	52.0	13.6	14.2	13.5	10.7	41.1	9.0	10.8	10.8	10.5
Operating result	20.6	15.3	5.3	86.1	42.8	14.1	7.1	22.1	77.0	18.5	36.1	43.0	( 20.6 )	( 21.4 )	6.9	14.9	( 28.5 )	( 14.7 )	5.8	3.2	1.3	( 0.1 )	1.4	6.3	2.7	1.2	2.5	( 0.1 )	2.0	( 1.1 )	1.1	1.0	1.0
Non-allocated other income and expenses	0.1	0.4	( 0.3 )	( 0.3 )	0.0	( 0.2 )	0.5	( 0.6 )	0.6	0.2	0.5	( 0.1 )	0.0	6.0	0.8	( 5.0 )	7.5	2.7	1.8	0.6	0.4	0.4	0.4	1.5	0.4	0.4	0.3	0.4	0.6	0.4	0.0	0.4	( 0.2 )
Result before taxation consolidated entities	20.7	15.6	5.1	85.9	42.9	13.8	7.7	21.5	77.7	18.9	36.5	42.9	( 20.6 )	( 15.4 )	7.7	9.8	( 20.9 )	( 12.0 )	7.6	3.8	1.7	0.3	1.8	7.8	3.1	1.6	2.8	0.3	2.6	( 0.7 )	1.1	1.4	0.8
Result equity associates	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Result before taxation	20.7	15.6	5.1	85.9	42.9	13.8	7.7	21.5	77.7	18.9	36.5	42.9	( 20.6 )	( 15.4 )	7.7	9.8	( 20.9 )	( 12.0 )	7.6	3.8	1.7	0.3	1.8	7.8	3.1	1.6	2.8	0.3	2.6	( 0.7 )	1.1	1.4	0.8
Income tax expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 0.8 )	0.0	0.3	( 1.1 )	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Non Controlling interests	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net result attributable to shareholders	20.7	15.6	5.1	85.9	42.9	13.8	7.7	21.5	77.7	18.9	36.5	42.9	( 20.6 )	( 16.2 )	7.7	10.1	( 22.0 )	( 12.0 )	7.6	3.8	1.7	0.3	1.8	7.8	3.1	1.6	2.8	0.3	2.6	( 0.7 )	1.1	1.4	0.8
INCOME STATEMENT - TOTAL	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016
Gross Inflow	881.8	365.9	515.9	1,623.2	349.8	370.5	415.8	487.1	1,641.3	256.2	353.5	330.0	690.1	1,688.5	234.4	317.5	275.2	861.4	61.1	15.8	16.0	14.3	15.0	52.0	13.6	14.2	13.5	10.7	41.1	9.0	10.8	10.8	10.5
Net result attributable to shareholders	19.7	16.2	3.5	87.1	42.5	14.4	8.1	22.1	79.1	19.0	36.5	44.2	( 20.6 )	( 16.2 )	7.7	10.1	( 22.0 )	( 12.0 )	7.6	3.8	1.7	0.3	1.8	7.8	3.1	1.6	2.8	0.3	2.6	( 0.7 )	1.1	1.4	0.8
KEY PERFORMANCE INDICATORS	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016
Non-Life
Gross written premiums	866.4	358.6	507.8	1,579.0	338.5	359.4	404.8	476.3	1,626.3	252.7	353.5	330.0	690.1	1,688.5	234.4	317.5	275.2	861.4	61.1	15.8	16.0	14.3	15.0	52.0	13.6	14.2	13.5	10.7	41.1	9.0	10.8	10.8	10.5
Accident & Health	142.1	59.8	82.3	257.5	54.1	60.5	55.0	87.9	216.2	31.3	49.2	41.5	94.2	144.1	28.3	32.0	36.5	47.3	1.4	0.5	0.6	0.1	0.2	0.2	0.1	0.1	0.0	0.0	0.4	0.1	0.1	0.1	0.1
Motor	360.5	153.1	207.4	694.1	142.6	158.5	182.0	211.0	797.3	104.2	166.7	159.2	367.2	963.7	106.9	175.5	131.3	550.0	8.3	2.4	2.5	1.5	1.9	9.5	2.7	2.7	2.8	1.3	4.2	1.0	1.1	2.1	0.0
Household	267.6	101.7	165.9	465.5	103.0	101.4	127.8	133.3	440.9	86.7	103.5	100.1	150.6	387.6	76.7	106.1	55.1	149.7	50.3	12.5	12.7	12.5	12.6	41.3	10.5	11.1	10.3	9.4	36.5	7.9	9.6	9.7	9.3
Other	96.3	44.1	52.2	161.8	38.7	39.0	40.0	44.1	171.9	30.4	34.1	29.3	78.1	193.1	22.5	3.9	52.3	114.4	1.1	0.3	0.3	0.2	0.3	1.0	0.3	0.3	0.4	0.0	0.0	0.0	0.0	( 1.1 )	1.1
Operating Result	20.6	15.3	5.3	86.1	42.8	14.1	7.1	22.1	77.0	18.5	36.1	43.0	( 20.6 )	( 21.4 )	7.0	14.7	( 28.5 )	( 14.7 )	5.9	3.2	1.3	( 0.1 )	1.4	6.3	2.7	1.2	2.5	( 0.1 )	2.0	( 1.1 )	1.1	1.0	1.0
Accident & Health	4.4	0.3	4.1	5.8	0.8	8.5	( 3.8 )	0.3	3.6	( 1.8 )	5.2	( 2.1 )	2.3	( 14.4 )	( 5.6 )	( 0.7 )	( 4.1 )	( 4.0 )	0.9	0.4	0.2	0.1	0.2	0.1	0.0	0.1	0.0	0.0	( 0.1 )	0.5	( 0.8 )	0.1	0.1
Motor	11.2	4.6	6.6	37.1	17.2	5.8	2.9	11.2	40.5	5.6	13.3	32.2	( 10.6 )	( 29.9 )	3.1	1.2	( 31.3 )	( 2.9 )	0.4	0.6	( 0.2 )	0.0	0.0	3.3	2.0	( 0.1 )	1.4	0.0	( 1.0 )	( 0.2 )	( 0.8 )	0.0	0.0
Household	0.8	8.6	( 7.8 )	22.2	18.6	( 6.9 )	0.0	10.5	29.8	13.6	14.4	13.1	( 11.3 )	14.7	7.0	0.3	11.6	( 4.2 )	3.4	1.6	1.5	( 0.7 )	1.0	2.1	0.4	1.0	0.8	( 0.1 )	3.1	( 1.4 )	2.7	2.0	( 0.2 )
Other	4.2	1.7	2.5	21.1	6.3	6.6	8.1	0.1	3.2	1.3	3.1	( 0.2 )	( 1.0 )	8.2	2.5	13.9	( 4.6 )	( 3.6 )	1.2	0.6	( 0.2 )	0.5	0.2	0.8	0.3	0.2	0.3	0.0	0.0	0.0	0.0	( 1.1 )	1.1
Net underwriting Result	7.8	10.6	( 2.8 )	62.8	36.1	8.4	1.6	16.7	57.0	12.7	30.6	38.6	( 24.9 )	( 32.2 )	5.1	5.7	( 28.4 )	( 14.7 )	5.9	3.2	1.3	( 0.1 )	1.4	6.3	2.7	1.2	2.5	( 0.1 )	2.0	( 1.1 )	1.1	1.0	1.0
Accident & Health	3.5	0.5	3.0	4.2	0.2	8.2	( 3.5 )	( 0.7 )	0.9	( 2.6 )	4.4	( 2.6 )	1.7	( 15.3 )	( 6.2 )	( 1.0 )	( 4.1 )	( 4.0 )	0.9	0.4	0.2	0.1	0.2	0.1	0.0	0.1	0.0	0.0	( 0.1 )	0.5	( 0.8 )	0.1	0.1
Motor	4.2	1.9	2.3	25.0	13.8	2.9	( 0.4 )	8.7	30.7	3.0	10.6	30.1	( 13.0 )	( 36.1 )	2.4	( 4.5 )	( 31.2 )	( 2.9 )	0.4	0.6	( 0.2 )	0.0	0.0	3.3	2.0	( 0.1 )	1.4	0.0	( 1.0 )	( 0.2 )	( 0.8 )	0.0	0.0
Household	( 2.7 )	7.1	( 9.8 )	15.4	16.6	( 8.5 )	( 1.7 )	9.0	24.3	11.8	12.8	11.9	( 12.2 )	12.3	6.6	( 1.7 )	11.6	( 4.2 )	3.4	1.6	1.5	( 0.7 )	1.0	2.1	0.4	1.0	0.8	( 0.1 )	3.1	( 1.4 )	2.7	2.0	( 0.2 )
Other	2.9	1.2	1.7	18.2	5.4	6.0	7.2	( 0.4 )	1.1	0.6	2.6	( 0.6 )	( 1.5 )	6.9	2.2	12.9	( 4.7 )	( 3.6 )	1.2	0.6	( 0.2 )	0.5	0.2	0.8	0.3	0.2	0.3	0.0	0.0	0.0	0.0	( 1.1 )	1.1
Investment Result	12.8	4.6	8.2	23.2	6.7	5.6	5.5	5.5	20.0	5.8	5.4	4.4	4.4	11.3	1.8	9.5	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Accident & Health	1.0	( 0.1 )	1.1	1.5	0.5	0.3	( 0.3 )	1.0	2.7	0.8	0.7	0.6	0.6	1.0	0.7	0.4	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Motor	7.0	2.7	4.3	12.1	3.4	3.0	3.3	2.4	9.8	2.7	2.6	2.2	2.3	6.6	0.6	6.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Household	3.6	1.6	2.0	6.7	1.9	1.6	1.6	1.5	5.4	1.8	1.5	1.2	1.0	2.4	0.4	2.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other	1.3	0.5	0.8	2.9	0.8	0.7	0.9	0.5	2.1	0.7	0.5	0.4	0.5	1.3	0.4	1.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Result	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 0.5 )	0.0	( 0.5 )	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Accident & Health	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Motor	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 0.3 )	0.1	( 0.4 )	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Household	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 0.1 )	0.0	( 0.1 )	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	( 0.1 )	( 0.1 )	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net Earned Premiums	729.2	371.6	357.5	1,434.8	365.4	364.9	356.4	348.0	1,526.4	333.9	334.1	324.2	534.2	1,396.6	242.6	308.9	234.6	610.5	33.5	9.2	9.2	7.6	7.5	25.9	7.2	7.8	6.9	4.0	14.1	0.5	4.6	4.6	4.4
Claims Ratio	61.5%	59.0%	64.1%	57.2%	51.5%	60.4%	59.5%	57.4%	62.7%	58.2%	53.2%	46.2%	81.3%	77.9%	62.5%	45.8%	74.0%	101.6%	59.1%	44.3%	60.4%	72.4%	62.3%	50.9%	37.1%	62.9%	41.3%	68.7%	53.7%	284.1%	43.7%	44.5%	48.4%
of which Prior Year claims ratio	(2.4%)	(1.0%)	(3.9%)	(5.3%)	-8.4%	-4.3%	(4.3%)	-4.0%	8.5%	-3.7%	-8.3%	(5.2%)	35.0%	31.7%	-10.0%	1.8%	-0.1%	75.7%	0.5%	(12.8%)	(1.6%)	20.1%	(21.0%)	(87.7%)	13.6%	(3.6%)	6.5%	187.8%
Expense Ratio	37.4%	38.1%	36.7%	38.4%	38.6%	37.3%	40.1%	37.8%	33.6%	38.0%	37.7%	41.9%	23.4%	24.4%	35.4%	52.3%	38.1%	0.8%	23.5%	20.2%	25.9%	28.4%	19.5%	24.8%	24.6%	22.6%	22.6%	33.1%	32.4%	50.3%	32.4%	32.8%	30.0%
Combined Ratio	98.9%	97.1%	100.8%	95.6%	90.1%	97.7%	99.6%	95.2%	96.3%	96.2%	90.9%	88.1%	104.7%	102.3%	97.9%	98.1%	112.1%	102.4%	82.6%	64.5%	86.3%	100.8%	81.8%	75.7%	61.7%	85.5%	63.9%	101.8%	86.1%	334.4%	76.1%	77.3%	78.4%
Non Life Accident & Health
Net Earned Premiums	127.9	64.4	63.5	241.8	60.8	65.5	58.2	57.4	224.3	51.3	53.8	48.1	71.1	135.8	32.4	33.2	31.0	39.2	1.4	0.6	0.5	0.1	0.2	0.2	0.0	0.1	0.1	0.0	0.3	0.1	0.1	0.1	0.1
Claims Ratio	69.2%	70.6%	67.8%	68.4%	68.7%	58.7%	73.9%	73.5%	69.2%	75.1%	62.9%	65.1%	72.5%	84.3%	88.1%	71.6%	83.7%	92.4%	19.8%	7.1%	41.7%	0.9%	12.3%	13.7%	6.4%	14.7%	18.0%	130.7%	(433.0%)	1,278.7%
Expense Ratio	28.1%	28.6%	27.5%	29.8%	30.8%	28.8%	32.2%	27.7%	30.4%	30.0%	28.8%	40.4%	25.1%	27.0%	31.3%	31.3%	29.5%	17.7%	16.7%	20.8%	20.5%	4.7%	4.5%	5.5%	6.2%	6.6%	4.7%	16.2%	16.9%	11.1%	23.2%	22.2%	12.1%
Combined Ratio	97.3%	99.2%	95.3%	98.2%	99.5%	87.5%	106.1%	101.2%	99.6%	105.1%	91.7%	105.5%	97.6%	111.3%	119.4%	102.9%	113.2%	110.1%	36.5%	27.9%	62.2%	5.6%	16.8%	19.2%	12.6%	21.3%	22.7%	16.2%	147.6%	(421.9%)	1,301.9%	22.2%	12.1%
Non Life Motor
Net Earned Premiums	301.3	159.1	142.2	627.0	157.4	157.9	157.7	154.0	753.2	157.0	152.8	151.8	291.6	790.7	112.8	160.0	109.8	408.1	6.7	2.0	2.1	1.1	1.5	7.6	2.2	2.3	2.2	0.8	4.1	1.0	1.3	1.8	0.0
Claims Ratio	60.3%	60.4%	60.1%	58.2%	53.3%	61.8%	61.4%	56.2%	65.7%	62.5%	55.7%	41.2%	85.4%	84.8%	74.9%	48.4%	87.1%	101.2%	77.1%	47.1%	91.1%	87.4%	90.5%	47.1%	2.5%	94.6%	32.9%	79.4%	107.8%	101.7%	150.8%	80.9%
Expense Ratio	38.3%	38.4%	38.3%	37.8%	37.9%	36.4%	38.8%	38.1%	30.2%	35.6%	37.3%	39.0%	19.0%	19.8%	23.0%	54.3%	41.4%	(0.5%)	16.2%	19.5%	18.5%	14.4%	10.2%	10.3%	10.8%	10.6%	8.7%	13.0%	15.9%	10.2%	16.0%	19.1%
Combined Ratio	98.6%	98.8%	98.4%	96.0%	91.2%	98.2%	100.2%	94.3%	95.9%	98.1%	93.0%	80.2%	104.4%	104.6%	97.9%	102.7%	128.5%	100.7%	93.3%	66.6%	109.6%	101.8%	100.7%	57.4%	13.3%	105.2%	41.6%	92.4%	123.7%	111.9%	166.8%	100.0%
Non Life Household
Net Earned Premiums	213.7	110.5	103.2	410.2	105.1	100.1	102.3	102.6	393.4	93.3	94.9	94.7	110.4	305.0	71.9	84.2	54.4	94.5	24.3	6.0	6.6	6.1	5.6	17.1	4.5	5.2	4.2	3.2	9.7	( 0.6 )	3.3	3.8	3.2
Claims Ratio	60.4%	53.3%	68.1%	53.3%	41.3%	64.2%	57.9%	50.3%	52.6%	43.4%	46.2%	40.7%	76.2%	60.0%	43.8%	45.6%	35.5%	99.3%	59.4%	50.8%	50.1%	78.6%	58.8%	55.0%	56.9%	52.5%	48.0%	65.7%	28.5%	(109.8%)	(19.3%)	15.7%	65.9%
Expense Ratio	40.9%	40.3%	41.4%	42.9%	42.9%	44.3%	43.7%	41.0%	41.2%	44.0%	40.3%	46.7%	34.9%	36.0%	47.1%	56.3%	43.2%	5.1%	26.6%	22.2%	28.0%	32.5%	23.2%	32.6%	33.1%	29.1%	31.8%	38.5%	39.8%	(21.5%)	38.9%	31.1%	39.4%
Combined Ratio	101.3%	93.6%	109.5%	96.2%	84.2%	108.5%	101.6%	91.3%	93.8%	87.4%	86.5%	87.4%	111.1%	96.0%	90.9%	101.9%	78.7%	104.4%	86.0%	73.0%	78.1%	111.1%	82.0%	87.6%	90.0%	81.6%	79.8%	104.2%	68.3%	(131.3%)	19.6%	46.8%	105.3%
Non Life Other
Net Earned Premiums	86.2	37.6	48.6	155.7	42.1	41.4	38.1	34.1	155.5	32.3	32.5	29.6	61.0	165.1	25.4	31.6	39.4	68.7	1.1	0.6	( 0.1 )	0.3	0.2	1.0	0.3	0.2	0.4	0.0	0.0	0.0	0.0	( 1.1 )	1.1
Claims Ratio	56.9%	49.8%	62.4%	46.1%	45.2%	49.2%	34.0%	56.9%	63.8%	53.4%	45.9%	59.3%	81.0%	72.3%	27.9%	5.9%	83.1%	113.0%	(5.3%)	6.2%	(226.4%)	(111.3%)	14.3%	15.9%	11.7%	18.2%	18.0%
Expense Ratio	39.7%	47.1%	34.0%	42.2%	41.9%	36.5%	47.1%	44.2%	35.5%	44.7%	46.1%	42.9%	21.4%	23.5%	62.9%	53.1%	28.8%	(7.9%)	6.6%	2.9%	(58.8%)	4.7%	4.5%	5.4%	5.8%	5.8%	4.7%	3.3%	3.3%
Combined Ratio	96.6%	96.9%	96.4%	88.3%	87.1%	85.7%	81.1%	101.1%	99.3%	98.1%	92.0%	102.2%	102.4%	95.8%	90.8%	59.0%	111.9%	105.1%	1.3%	9.1%	(285.2%)	(106.6%)	18.8%	21.3%	17.5%	24.0%	22.7%	3.3%	3.3%
Margins in % of Net Earned Premiums (excluding associates)
Operating Margin	2.83%	4.12%	1.48%	6.00%	11.71%	3.85%	1.98%	6.36%	5.05%	5.56%	10.78%	13.26%	(3.85%)	-1.53%	2.88%	4.77%	(12.15%)	(2.41%)	17.44%	34.73%	14.15%	(0.83%)	18.19%	24.35%	38.32%	14.45%	36.15%	(1.80%)	13.92%	(234.44%)	23.78%	22.67%	21.65%
Net Underwriting margin	1.08%	2.87%	-0.80%	4.38%	9.89%	2.31%	0.45%	4.78%	3.74%	3.81%	9.15%	11.91%	(4.67%)	-2.30%	2.11%	1.86%	(12.10%)	(2.41%)	17.44%	35.55%	13.67%	(0.83%)	18.19%	24.35%	38.32%	14.45%	36.15%	(1.80%)	13.92%	(234.44%)	23.92%	22.67%	21.65%
Investment margin	1.75%	1.25%	2.28%	1.62%	1.82%	1.54%	1.53%	1.58%	1.31%	1.75%	1.63%	1.35%	0.82%	0.81%	0.74%	3.08%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Other margin	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-0.04%	0.04%	-0.19%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
OTHER DATA	HY 2022	Q2 2022	Q1 2022	FY 2021	Q4 2021	Q3 2021	Q2 2021	Q1 2021	FY 2020	Q4 2020	Q3 2020	Q2 2020	Q1 2020	FY 2019	Q4 2019	Q3 2019	Q2 2019	Q1 2019	FY 2018	Q4 2018	Q3 2018	Q2 2018	Q1 2018	FY 2017	Q4 2017	Q3 2017	Q2 2017	Q1 2017	FY 2016	Q4 2016	Q3 2016	Q2 2016	Q1 2016
Life	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Technical Liabilities - Life	2.3	2.3	2.3	12.8	12.8	14.7	12.3	9.9	7.4	7.4	5.3	3.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Guaranteed	2.3	2.3	2.3	12.8	12.8	14.7	12.3	9.9	7.4	7.4	5.3	3.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Unit linked	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Average Life Technical Liabilities (excl shadow accounting)	7.6	2.3	7.6	10.1	13.8	13.5	11.1	8.6	3.7	6.4	2.1	1.5	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Guaranteed (excl shadow accounting)	7.6	2.3	7.6	10.1	13.8	13.5	11.1	8.6	3.7	6.4	2.1	1.5	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Unit-Linked (excl shadow accounting)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Operating cost Life / FUM Life ratio (annualised)	0.00%	17.39%	0.00%	0.00%	2.91%	5.93%	7.21%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
0.0	0.0	0.0
Non Life	0.0	0.0	0.0
Total Technical Liabilities - Non Life	1,768.8	1,768.8	1,785.5	1,642.6	1,642.6	1,700.2	1,647.2	1,567.3	1,387.8	1,387.8	1,432.1	1,404.4	1,423.9	1,023.1	1,023.1	988.6	936.9	871.9	29.4	29.4	32.4	27.6	23.3	20.1	20.1	23.3	24.9	22.8	29.9	29.9	32.7	35.5	7.1
Reserves / Premium ratio	121%	119%	125%	114%	112%	116%	116%	113%	91%	104%	107%	108%	67%	73%	105%	80%	100%	36%	88%	80%	88%	91%	77%	78%	70%	74%	90%	143%	212%	1540%	177%	193%	40%

Non-Life

Impact internal reinsurance - NL	Before LPT and QS	Before LPT	Before LPT and QS	Before LPT and QS	Before LPT and QS	Before LPT and QS
pro forma	pro forma	pro forma	pro forma	pro forma	pro forma
in EUR million	HY 2022	HY 2022	HY 2022	HY 2021	Q2 2022	Q2 2021
Gross written premiums (consolidated entities)	2,469.7	2,469.7	2,469.7	2,365.1	1,118.8	1,067.3
Net earned premiums	2,108.3	2,108.3	2,108.3	2,045.1	1,054.9	1,033.8
Combined Ratio	94.9%	94.9%	94.9%	93.0%	93.0%	94.3%
Claims Ratio	60.1%	60.1%	60.1%	57.5%	56.7%	57.9%
of which Prior Year claims ratio	(6.4%)	(6.4%)	(6.4%)	(7.5%)	(6.9%)	(7.6%)
Expense Ratio	34.8%	34.8%	34.8%	35.5%	36.3%	36.4%
Non Life Accident & Health	- 0	- 0
Net earned premiums	522.7	522.7	522.7	499.8	260.3	252.3
Combined Ratio	96.9%	96.9%	96.9%	96.7%	99.3%	96.5%
Claims Ratio	73.0%	73.0%	73.0%	73.1%	74.4%	72.2%
Expense Ratio	23.9%	23.9%	23.9%	23.6%	24.9%	24.3%
Non Life Motor	- 0	- 0
Net earned premiums	774.9	774.9	774.9	807.6	391.3	408.0
Combined Ratio	93.9%	93.9%	93.9%	88.3%	96.0%	91.5%
Claims Ratio	60.7%	60.7%	60.7%	54.3%	61.3%	57.8%
Expense Ratio	33.2%	33.2%	33.2%	34.0%	34.7%	33.7%
Non Life Household	- 0	- 0
Net earned premiums	576.9	576.9	576.9	537.6	290.9	265.5
Combined Ratio	96.4%	96.4%	96.4%	97.4%	86.7%	100.3%
Claims Ratio	53.3%	53.3%	53.3%	52.5%	41.5%	52.1%
Expense Ratio	43.1%	43.1%	43.1%	44.9%	45.2%	48.2%
Non Life Other	- 0	- 0
Net earned premiums	233.8	233.8	233.8	200.1	112.4	108.0
Combined Ratio	89.9%	89.9%	89.9%	91.0%	84.5%	84.6%
Claims Ratio	45.7%	45.7%	45.7%	44.5%	38.9%	39.3%
Expense Ratio	44.2%	44.2%	44.2%	46.5%	45.6%	45.3%

BE

Impact internal reinsurance - BE	After LPT and QS	Before LPT	Before LPT and QS	Before LPT and QS	Before LPT and QS	Before LPT and QS
as reported	pro forma	pro forma	pro forma	pro forma	pro forma
in EUR million	HY 2022	HY 2022	HY 2022	HY 2021	Q2 2022	Q2 2021
Gross written premiums	1,287.7	1,287.7	1,287.7	1,231.1	540.7	507.1
Net earned premiums	753.0	753.0	1,130.7	1,082.2	568.5	546.6
Combined Ratio	90.8%	90.8%	94.6%	93.8%	88.9%	93.0%
Claims Ratio	56.2%	56.2%	57.9%	57.0%	52.2%	56.1%
of which Prior Year claims ratio	(10.0%)	(10.0%)	(6.7%)	(10.7%)	(7.6%)	(10.6%)
Expense Ratio	34.6%	34.6%	36.7%	36.8%	36.7%	36.9%
Non Life Accident & Health
Net earned premiums	261.5	261.5	312.5	306.0	154.4	154.5
Combined Ratio	100.8%	100.8%	102.0%	104.9%	105.8%	105.7%
Claims Ratio	77.3%	77.3%	78.1%	81.7%	81.3%	82.1%
Expense Ratio	23.6%	23.6%	23.8%	23.2%	24.5%	23.6%
Non Life Motor
Net earned premiums	204.8	204.8	341.4	328.2	172.2	166.4
Combined Ratio	85.6%	85.6%	89.4%	80.6%	86.0%	79.9%
Claims Ratio	50.3%	50.3%	53.2%	43.8%	50.2%	43.6%
Expense Ratio	35.3%	35.3%	36.2%	36.8%	35.8%	36.3%
Non Life Household
Net earned premiums	213.2	213.2	355.3	336.8	179.7	169.2
Combined Ratio	92.9%	92.9%	99.3%	99.7%	81.1%	98.0%
Claims Ratio	47.8%	47.8%	53.3%	53.0%	35.2%	51.1%
Expense Ratio	45.1%	45.1%	46.1%	46.7%	45.9%	46.9%
Non Life Other
Net earned premiums	73.5	73.5	121.5	111.2	62.1	56.5
Combined Ratio	63.6%	63.6%	76.2%	84.6%	77.1%	81.9%
Claims Ratio	21.4%	21.4%	32.9%	40.0%	34.7%	37.1%
Expense Ratio	42.2%	42.2%	43.3%	44.6%	42.4%	44.8%
* For QS, internal and external part are deducted

EU

Impact internal reinsurance	After LPT and QS	Before LPT	Before LPT and QS	Before LPT and QS	Before LPT and QS	Before LPT and QS
Europe	as reported	pro forma	pro forma	pro forma	pro forma	pro forma
in EUR million	HY 2022	HY 2022	HY 2022	HY 2021	Q2 2022	Q2 2021
Gross written premiums	1,135.6	1,135.6	1,135.6	1,102.7	557.9	541.5
Net earned premiums	621.4	621.4	1,035.1	1,014.7	518.2	512.4
Combined Ratio	96.0%	92.9%	97.7%	92.8%	97.7%	96.7%
Claims Ratio	63.5%	60.4%	63.8%	57.6%	61.2%	59.7%
of which Prior Year claims ratio	(6.6%)	(9.8%)	(6.2%)	(4.2%)	(7.0%)	(4.6%)
Expense Ratio	32.5%	32.5%	33.9%	35.2%	36.5%	37.0%
Non Life Accident & Health
Net earned premiums	133.3	133.3	221.8	203.6	111.7	102.9
Combined Ratio	88.9%	88.9%	90.6%	86.2%	90.7%	84.5%
Claims Ratio	68.2%	68.2%	66.6%	61.7%	65.2%	58.9%
Expense Ratio	20.7%	20.7%	24.0%	24.4%	25.5%	25.6%
Non Life Motor
Net earned premiums	285.0	285.0	475.0	490.7	238.1	247.5
Combined Ratio	89.6%	83.9%	96.1%	93.3%	99.3%	100.2%
Claims Ratio	64.9%	59.2%	66.0%	60.3%	66.8%	67.1%
Expense Ratio	24.7%	24.7%	30.1%	33.0%	32.5%	33.1%
Non Life Household
Net earned premiums	133.2	133.2	222.0	218.7	110.0	109.2
Combined Ratio	107.0%	106.5%	102.5%	95.1%	104.9%	97.4%
Claims Ratio	57.6%	57.2%	58.0%	50.3%	54.0%	45.8%
Expense Ratio	49.4%	49.3%	44.5%	44.8%	50.9%	51.6%
Non Life Other
Net earned premiums	69.8	69.8	116.2	101.6	58.3	52.9
Combined Ratio	115.1%	111.0%	108.6%	98.4%	91.1%	102.7%
Claims Ratio	60.4%	56.4%	60.6%	52.0%	43.9%	55.2%
Expense Ratio	54.7%	54.6%	48.1%	46.3%	47.2%	47.5%

Attachments

Disclaimer

Ageas NV published this content on 10 August 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 10 August 2022 07:18:22 UTC.

Excel-Tables 6M

Key figures Ageas total

Financial position

Investment Portfolio

Sov bond portfolio

Reconc equity capital

Solvency per region

BS Product Split

Income statement

PL Product Split

General (Income Statement)

NCP Evolution

Inflows per region

Inflows @ ageas Share

Annex 8

Annex 8 (BE)

Annex 8 (EU)

Annex 8 (AS)

JV Information

Annex 8 (RE)

Annex 9

Annex 9 (BE)

Annex 9 (EU)

Annex 9 (UK)

Annex 9 (CE)

Annex 9 (AS)

Annex 9 (RE)

Non-Life

BE

EU

Advisor News

Annuity News

Health/Employee Benefits News

Life Insurance News

Excel-Tables 6M

Key figures Ageas total

Financial position

Investment Portfolio

Sov bond portfolio

Reconc equity capital

Solvency per region

BS Product Split

Income statement

PL Product Split

General (Income Statement)

NCP Evolution

Inflows per region

Inflows @ ageas Share

Annex 8

Annex 8 (BE)

Annex 8 (EU)

Annex 8 (AS)

JV Information

Annex 8 (RE)

Annex 9

Annex 9 (BE)

Annex 9 (EU)

Annex 9 (UK)

Annex 9 (CE)

Annex 9 (AS)

Annex 9 (RE)

Non-Life

BE

EU

Advisor News

Annuity News

Health/Employee Benefits News

Life Insurance News

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