Newswires
Group
Financial Data Supplement zum 30. Juni 2022 (in englischer Sprache)
Index
| Financial data supplement as of |
|
| Reporting by business segments and quarters | |
| (starting from FY 2019) | |
| Group |
|
| Earnings Overview | |
| Group P&L | |
| Primary Insurance P&L | |
| Industrial Lines P&L | |
| Retail Germany P&L | |
| Retail Germany P/C P&L | |
| Retail Germany Life P&L | |
| Retail International P&L | |
| Retail International P/C and Life split | |
| Retail International Central & EasteEurope P&L | |
| Retail International Latin America P&L | |
| Reinsurance P&L | |
| P/C Reinsurance P&L | |
| L/H Reinsurance P&L | |
| Corporate Operations P&L | |
| Consolidation P&L | |
| Combined Ratios | |
| Investment income | |
| Balance Sheet by segment | |
| Equity | |
| Solvency | |
| Exchange rates | |
| Note: In cases where figures differ from the figures originally published in financial reports, this is caused by adjustments as a consequence of changes to accounting regulations or their application,that are considered in the spreadsheets retroactively. | |
| Note: The quarterly figures regarding the net assets, financial position and results of operations have been prepared in conformity with International Financial Reporting Standards. The presented financial information does not represent financial statements within the meaning of International Accounting Standard (IAS) 1. | |
| Zum Löschen | |
| Referenzfelder | |
| 6M | |
| Q2 | |
| -1 | |
| =WENNFEHLER((N8-H8)/H8;0) | <- Formel DIV/0 |
&G
&P/&N
Group Key Figures
| Group |
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| Q1 2022 vs. Q2 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | ||||||||||||||
| Gross written premiums | 39,494 | 41,109 | 13,649 | 10,426 | 11,075 | 10,357 | 45,507 | 15,905 | 12,427 | 0 | 0 | 16.5% | 19.2% | -100.0% | -100.0% | 13,649 | 15,905 | 16.5% | 24,075 | 28,332 | 17.7% | 35,150 | 0 | -100.0% | 45,507 | 0 | -100.0% | |||||
| By region | ||||||||||||||||||||||||||||||||
| 22% | 21% | 26% | 12% | 15% | 24% | 20% | 25% | 13% | 15% | 24% | -1% | 1% | 0% | 0% | pts. | 26% | 25% | -0.9% | pts. | 20% | 20% | -0.2% | pts. | 0% | 18% | 18.4% | pts. | 0% | 20% | 19.8% | pts. | |
| 8% | 9% | 7% | 10% | 4% | 16% | 9% | 8% | 9% | 4% | 16% | 0% | -1% | 0% | 0% | pts. | 7% | 8% | 0.3% | pts. | 9% | 8% | -0.2% | pts. | 0% | 7% | 7.1% | pts. | 0% | 9% | 9.0% | pts. | |
| Central and EasteEurope (CEE), including |
8% | 7% | 6% | 8% | 8% | 8% | 7% | 6% | 8% | 8% | 8% | -0% | -0% | 0% | 0% | pts. | 6% | 6% | -0.2% | pts. | 7% | 7% | -0.3% | pts. | 0% | 7% | 7.3% | pts. | 0% | 7% | 7.4% | pts. |
| Rest of |
16% | 16% | 18% | 16% | 18% | 12% | 16% | 15% | 15% | 18% | 12% | -3% | -2% | 0% | 0% | pts. | 18% | 15% | -3.0% | pts. | 17% | 15% | -2.4% | pts. | 0% | 17% | 17.4% | pts. | 0% | 16% | 16.2% | pts. |
| 20% | 20% | 20% | 21% | 24% | 17% | 21% | 25% | 24% | 24% | 17% | 4% | 3% | 0% | 0% | pts. | 20% | 25% | 4.4% | pts. | 21% | 25% | 4.0% | pts. | 0% | 22% | 21.7% | pts. | 0% | 21% | 20.7% | pts. | |
| 3% | 3% | 3% | 4% | 4% | 3% | 4% | 3% | 5% | 4% | 3% | -0% | 0% | 0% | 0% | pts. | 3% | 3% | -0.0% | pts. | 4% | 4% | 0.2% | pts. | 0% | 4% | 3.8% | pts. | 0% | 4% | 3.7% | pts. | |
| 8% | 7% | 5% | 8% | 8% | 5% | 6% | 6% | 7% | 8% | 5% | 1% | -0% | 0% | 0% | pts. | 5% | 6% | 0.6% | pts. | 6% | 6% | 0.2% | pts. | 0% | 7% | 6.6% | pts. | 0% | 6% | 6.3% | pts. | |
| 14% | 16% | 13% | 18% | 18% | 13% | 15% | 12% | 17% | 18% | 13% | -1% | -1% | 0% | 0% | pts. | 13% | 12% | -1.2% | pts. | 15% | 14% | -1.1% | pts. | 0% | 16% | 16.1% | pts. | 0% | 15% | 15.4% | pts. | |
| 2% | 1% | 1% | 2% | 2% | 1% | 2% | 1% | 1% | 2% | 1% | 0% | -0% | 0% | 0% | pts. | 1% | 1% | 0.0% | pts. | 1% | 1% | -0.1% | pts. | 0% | 2% | 1.6% | pts. | 0% | 2% | 1.5% | pts. | |
| By type and class of insurance | ||||||||||||||||||||||||||||||||
| Property/casualty primary insurance | 11,837 | 11,873 | 4,440 | 2,756 | 2,995 | 3,214 | 13,405 | 5,101 | 3,418 | 0 | 0 | 14.9% | 24.0% | -100.0% | -100.0% | 4,440 | 5,101 | 14.9% | 7,196 | 8,519 | 18.4% | 10,191 | 0 | -100.0% | 13,405 | 0 | -100.0% | |||||
| Life primary insurance | 6,573 | 6,039 | 1,594 | 1,621 | 1,503 | 1,636 | 6,353 | 1,529 | 1,572 | 0 | 0 | -4.1% | -3.0% | -100.0% | -100.0% | 1,594 | 1,529 | -4.1% | 3,215 | 3,101 | -3.5% | 4,717 | 0 | -100.0% | 6,353 | 0 | -100.0% | |||||
| Property/casualty reinsurance | 13,411 | 15,071 | 5,082 | 4,193 | 4,648 | 3,496 | 17,420 | 6,585 | 5,469 | 0 | 0 | 29.6% | 30.4% | -100.0% | -100.0% | 5,082 | 6,585 | 29.6% | 9,275 | 12,054 | 30.0% | 13,924 | 0 | -100.0% | 17,420 | 0 | -100.0% | |||||
| Life/health reinsurance | 7,673 | 7,892 | 2,081 | 2,046 | 2,116 | 2,152 | 8,396 | 2,148 | 2,204 | 0 | 0 | 3.2% | 7.7% | -100.0% | -100.0% | 2,081 | 2,148 | 3.2% | 4,128 | 4,352 | 5.4% | 6,244 | 0 | -100.0% | 8,396 | 0 | -100.0% | |||||
| Q1 2022 vs. Q2 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs 2021A | |||||||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | 2021A vs 2020 A | |||||||||||||
| Net premiums earned | 33,054 | 34,190 | 9,015 | 9,256 | 9,495 | 10,096 | 37,863 | 10,332 | 10,866 | 0 | 0 | 14.6% | 17.4% | -100.0% | -100.0% | 9,015 | 10,332 | 14.6% | 18,272 | 21,198 | 16.0% | 27,767 | 0 | -100.0% | 37,863 | 0 | -100.0% | |||||
| Net technical result | -1,833 | -2,821 | -600 | -382 | -622 | -590 | -2,195 | -423 | -75 | 0 | 0 | -29.5% | -80.5% | -100.0% | -100.0% | -600 | -423 | -29.5% | -982 | -498 | -49.3% | -1,605 | 0 | -100.0% | -2,195 | 0 | -100.0% | |||||
| Net investment income | 4,323 | 4,240 | 1,253 | 1,096 | 1,128 | 1,241 | 4,718 | 1,050 | 837 | 0 | 0 | -16.2% | -23.7% | -100.0% | -100.0% | 1,253 | 1,050 | -16.2% | 2,350 | 1,887 | -19.7% | 3,477 | 0 | -100.0% | 4,718 | 0 | -100.0% | |||||
| Net retuon investment | 3.5% | 3.2% | 3.5% | 3.2% | 3.3% | 3.5% | 3.4% | 3.0% | 2.3% | 3.3% | 3.5% | -0.5% | -0.9% | 0.0% | 0.0% | pts. | 3.5% | 3.0% | -0.5% | pts. | 3.3% | 2.7% | -0.7% | pts. | 3.1% | 3.3% | 0.2% | pts. | 3.4% | 3.4% | 0.0% | pts. |
| Operating profit/loss (EBIT) | 2,430 | 1,645 | 625 | 707 | 506 | 615 | 2,454 | 630 | 728 | 0 | 0 | 0.7% | 3.0% | -100.0% | -100.0% | 625 | 630 | 0.7% | 1,333 | 1,358 | 1.9% | 1,839 | 0 | -100.0% | 2,454 | 0 | -100.0% | |||||
| Net income (after financing costs and taxes) | 1,671 | 1,170 | 455 | 481 | 288 | 506 | 1,730 | 422 | 535 | 0 | 0 | -7.1% | 11.2% | -100.0% | -100.0% | 455 | 422 | -7.1% | 936 | 957 | 2.3% | 1,223 | 0 | -100.0% | 1,730 | 0 | -100.0% | |||||
| attributable to non-controlling interests | 748 | 522 | 177 | 212 | 111 | 218 | 718 | 166 | 231 | 0 | 0 | -6.3% | 8.9% | -100.0% | -100.0% | 177 | 166 | -6.3% | 389 | 397 | 2.0% | 500 | 0 | -100.0% | 718 | 0 | -100.0% | |||||
| attributable to shareholders of |
923 | 648 | 277 | 269 | 177 | 288 | 1,011 | 256 | 304 | 0 | 0 | -7.6% | 13.0% | -100.0% | -100.0% | 277 | 256 | -7.6% | 546 | 560 | 2.6% | 723 | 0 | -100.0% | 1,011 | 0 | -100.0% | |||||
| Retuon equity | 9.8% | 6.3% | 10.7% | 10.3% | 6.7% | 10.8% | 9.6% | 10.0% | 13.5% | 6.7% | 10.8% | -0.7% | 3.1% | 0.0% | 0.0% | pts. | 10.7% | 10.0% | -0.7% | pts. | 10.5% | 11.8% | 1.3% | pts. | 6.8% | 9.2% | 2.4% | pts. | 9.6% | 9.6% | 0.0% | pts. |
| Earnings per share | ||||||||||||||||||||||||||||||||
| Basic earnings per share | 3.65 | 2.56 | 1.10 | 1.06 | 0.70 | 1.14 | 4.00 | 1.01 | 1.20 | 0.00 | 0.00 | -7.7% | 12.9% | -100.0% | -100.0% | 1.10 | 1.01 | -7.6% | 2.16 | 2.21 | 2.4% | 2.86 | 0.00 | -100.0% | 4.00 | 0.00 | -100.0% | |||||
| Diluted earnings per share | 3.65 | 2.56 | 1.10 | 1.06 | 0.70 | 1.14 | 4.00 | 1.01 | 1.20 | 0.00 | 0.00 | -7.7% | 12.9% | -100.0% | -100.0% | 1.10 | 1.01 | -7.6% | 2.16 | 2.21 | 2.4% | 2.86 | 0.00 | -100.0% | 4.00 | 0.00 | -100.0% | |||||
| Combined ratio | ||||||||||||||||||||||||||||||||
| Property/casualty primary insurance | 98.3% | 98.9% | 94.1% | 95.7% | 99.5% | 98.9% | 97.1% | 95.9% | 98.0% | 0.0% | 0.0% | 1.8% | 2.3% | -99.5% | -98.9% | pts. | 94.1% | 95.9% | 1.8% | pts. | 94.9% | 97.0% | 2.1% | pts. | 96.5% | 0.0% | -96.5% | pts. | 97.1% | 0.0% | -97.1% | pts. |
| Property/casualty reinsurance | 98.2% | 101.6% | 96.2% | 95.8% | 101.5% | 97.2% | 97.7% | 99.5% | 98.7% | 0.0% | 0.0% | 3.3% | 2.8% | -101.5% | -97.2% | pts. | 96.2% | 99.5% | 3.3% | pts. | 96.0% | 99.1% | 3.0% | pts. | 97.9% | 0.0% | -97.9% | pts. | 97.7% | 0.0% | -97.7% | pts. |
| EBIT margin | ||||||||||||||||||||||||||||||||
| Primary insurance | 5.1% | 4.1% | 8.4% | 4.5% | 5.6% | 4.7% | 5.8% | 5.9% | 5.1% | 0.0% | 0.0% | -2.5% | 0.5% | -5.6% | -4.7% | pts. | 8.4% | 5.9% | -2.5% | pts. | 6.4% | 5.5% | -1.0% | pts. | 6.2% | 0.0% | -6.2% | pts. | 5.8% | 0.0% | -5.8% | pts. |
| Property/casualty reinsurance | 9.8% | 6.0% | 8.2% | 11.8% | 6.8% | 9.8% | 9.1% | 6.1% | 6.1% | 0.0% | 0.0% | -2.1% | -5.7% | -6.8% | -9.8% | pts. | 8.2% | 6.1% | -2.1% | pts. | 10.1% | 6.1% | -3.9% | pts. | 8.9% | 0.0% | -8.9% | pts. | 9.1% | 0.0% | -9.1% | pts. |
| Life/health reinsurance | 8.1% | 5.4% | 4.9% | 4.6% | 2.1% | 0.1% | 2.9% | 5.8% | 10.8% | 0.0% | 0.0% | 0.8% | 6.2% | -2.1% | -0.1% | pts. | 4.9% | 5.8% | 0.8% | pts. | 4.8% | 8.4% | 3.6% | pts. | 3.9% | 0.0% | -3.9% | pts. | 2.9% | 0.0% | -2.9% | pts. |
| Policyholders' surplus | 20,089 | 20,572 | 21,342 | 21,411 | 21,826 | 22,704 | 21,049 | 18,104 | 0 | 0 | -7.3% | -20.3% | -100.0% | -100.0% | ||||||||||||||||||
| Equity attributable to shareholders of |
10,149 | 10,367 | 10,399 | 10,417 | 10,626 | 10,776 | 9,797 | 8,240 | 0 | 0 | -9.1% | -23.5% | -100.0% | -100.0% | ||||||||||||||||||
| Non-controlling interests | 6,461 | 6,732 | 6,726 | 6,741 | 6,937 | 7,169 | 6,491 | 5,603 | 0 | 0 | -9.5% | -21.9% | -100.0% | -100.0% | ||||||||||||||||||
| Hybrid capital | 3,479 | 3,473 | 4,218 | 4,254 | 4,264 | 4,759 | 4,761 | 4,261 | 0 | 0 | 0.1% | -10.5% | -100.0% | -100.0% | ||||||||||||||||||
| Assets under own management | 122,638 | 128,301 | 131,000 | 132,650 | 134,473 | 136,073 | 133,498 | 129,170 | 0 | 0 | -1.9% | -5.1% | -100.0% | -100.0% | ||||||||||||||||||
| Total investments | 134,104 | 138,705 | 142,013 | 143,717 | 146,173 | 147,835 | 145,760 | 142,297 | 0 | 0 | -1.4% | -3.7% | -100.0% | -100.0% | ||||||||||||||||||
| Total assets | 177,594 | 181,035 | 189,472 | 191,799 | 196,147 | 197,524 | 200,434 | 195,954 | 0 | 0 | 1.5% | -0.8% | -100.0% | -100.0% | ||||||||||||||||||
| Carrying amount per share at end of period | 40.15 | 41.01 | 41.13 | 41.21 | 42.03 | 42.58 | 38.71 | 32.56 | 0.00 | 0.00 | -9.1% | n/a | n/a | -100.0% | ||||||||||||||||||
| Share price at end of period | 44.18 | 31.76 | 36.16 | 34.48 | 36.88 | 42.54 | 40.02 | 36.32 | 36.88 | 42.54 | -5.9% | n/a | n/a | 6.3% | ||||||||||||||||||
| Market capitalisation of |
11,169 | 8,029 | 9,141 | 8,716 | 9,323 | 10,767 | 10,129 | 9,193 | 9,323 | 10,767 | -5.9% | n/a | n/a | 6.3% | ||||||||||||||||||
| Employees (as at the reporting date) | 23,324 | 23,527 | 23,404 | 23,762 | 23,865 | 23,954 | 23,875 | 24,049 | 23,865 | 23,954 | -0.3% | n/a | n/a | 0.3% |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Earnings Overview
| Earnings Overview | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 9M 2021 vs. 9M 2020 | FY 2021 | FY 2022 | |||||||||||||
| Gross written premiums | 39,494 | 41,109 | 13,649 | 10,426 | 11,075 | 10,357 | 45,507 | 15,905 | 12,427 | 0 | 0 | 16.5% | 19.2% | -100.0% | -100.0% | 13,649 | 15,905 | 16.5% | 24,075 | 28,332 | 17.7% | 35,150 | 0 | -100.0% | 45,507 | 0 | -100.0% | |||||
| Net premiums earned | 33,054 | 34,190 | 9,015 | 9,256 | 9,495 | 10,096 | 37,863 | 10,332 | 10,866 | 0 | 0 | 14.6% | 17.4% | -100.0% | -100.0% | 9,015 | 10,332 | 14.6% | 18,272 | 21,198 | 16.0% | 27,767 | 0 | -100.0% | 37,863 | 0 | -100.0% | |||||
| Net investment income | 4,323 | 4,240 | 1,253 | 1,096 | 1,128 | 1,241 | 4,718 | 1,050 | 837 | 0 | 0 | -16.2% | -23.7% | -100.0% | -100.0% | 1,253 | 1,050 | -16.2% | 2,350 | 1,887 | -19.7% | 3,477 | 0 | -100.0% | 4,718 | 0 | -100.0% | |||||
| Operating profit/loss (EBIT) | 2,430 | 1,645 | 625 | 707 | 506 | 615 | 2,454 | 630 | 728 | 0 | 0 | 0.7% | 3.0% | -100.0% | -100.0% | 625 | 630 | 0.7% | 1,333 | 1,358 | 1.9% | 1,839 | 0 | -100.0% | 2,454 | 0 | -100.0% | |||||
| Group net income (excl. non-controlling interests) | 923 | 648 | 277 | 269 | 177 | 288 | 1,011 | 256 | 304 | 0 | 0 | -7.6% | 13.0% | -100.0% | -100.0% | 277 | 256 | -7.6% | 546 | 560 | 2.6% | 723 | 0 | -100.0% | 1,011 | 0 | -100.0% | |||||
| Earnings per share (EUR) | 3.65 | 2.56 | 1.10 | 1.06 | 0.70 | 1.14 | 4.00 | 1.01 | 1.20 | 0.00 | 0.00 | -7.7% | 12.9% | -100.0% | -100.0% | 1.10 | 1.01 | -7.6% | 2.16 | 2.21 | 2.4% | 2.86 | 0.00 | -100.0% | 4.00 | 0.00 | -100.0% | |||||
| Dividend per share (EUR) | 1.50 | 1.50 | - | - | - | - | 1.50 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||
| Equity (excl. non-controlling interests) | 10,149 | 10,367 | 10,399 | 10,417 | 10,626 | 10,776 | 10,776 Grieß, |
9,797 | 8,240 | 0 | 0 | -5.8% | -20.9% | -100.0% | -100.0% | 10,399 | 9,797 | -5.8% | 10,417 | 8,240 | -20.9% | 10,626 | 0 | -100.0% | 10,776 | 0 | -100.0% | |||||
| Retuon equity (annualised) | 9.8% | 6.6% | 10.7% | 10.3% | 6.7% | 10.8% | 9.6% | 10.0% | 13.5% | XX | XX | -0.7% | 3.1% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 10.7% | 10.0% | -0.7% | pts. | 10.5% | 11.8% | 1.3% | pts. | 6.8% | 9.2% | 2.4% | pts. | 9.6% | 9.6% | 0.0% | pts. |
| Net retuon investment (annualised) | 3.5% | 3.2% | 3.5% | 3.2% | 3.3% | 3.5% | 3.4% | 3.0% | 2.3% | XX | XX | -0.5% | -0.9% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 3.5% | 3.0% | -0.5% | pts. | 3.3% | 2.7% | -0.7% | pts. | 3.1% | 3.3% | 0.2% | pts. | 3.4% | 3.4% | 0.0% | pts. |
| Solvency 2 ratio (excluding transitional) | 211% | 206% | 215% | 210% | 204% | 208% | 208% | 214% | 211% | -3.0% | pts. | 210% | 211% | 1.0% | pts. | 206% | ||||||||||||||||
| 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs. 2021A | |||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | |||||||||||||||||||||||||||||
| Industrial Lines | FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | |||||||||||||
| Gross written premiums | 6,214 | 6,658 | 2,712 | 1,474 | 1,641 | 1,734 | 7,560 | 3,016 | 1,880 | 0 | 0 | 11.2% | 27.6% | -100.0% | -100.0% | 2,712 | 3,016 | 11.2% | 4,185 | 4,897 | 17.0% | 5,826 | 0 | -100.0% | 7,560 | 0 | -100.0% | |||||
| Net premiums earned | 2,968 | 3,008 | 795 | 858 | 841 | 933 | 3,428 | 967 | 1,039 | 0 | 0 | 21.5% | 21.0% | -100.0% | -100.0% | 795 | 967 | 21.5% | 1,654 | 2,006 | 21.3% | 2,495 | 0 | -100.0% | 3,428 | 0 | -100.0% | |||||
| Operating profit/loss (EBIT) | 159 | 48 | 51 | 46 | 54 | 46 | 196 | 46 | 55 | 0 | 0 | -8.2% | 19.1% | -100.0% | -100.0% | 51 | 46 | -8.2% | 97 | 102 | 4.8% | 151 | 0 | -100.0% | 196 | 0 | -100.0% | |||||
| Net income (ex minorities) | 103 | 47 | 39 | 29 | 32 | 42 | 143 | 31 | 40 | 0 | 0 | -21.3% | 37.5% | -100.0% | -100.0% | 39 | 31 | -21.3% | 68 | 71 | 3.9% | 101 | 0 | -100.0% | 143 | 0 | -100.0% | |||||
| Combined ratio | 101.4% | 104.6% | 98.7% | 98.1% | 99.1% | 98.9% | 98.7% | 97.1% | 95.9% | 0.0% | 0.0% | -1.6% | -2.1% | -99.1% | -98.9% | pts. | 98.7% | 97.1% | -1.6% | pts. | 98.4% | 96.5% | -1.9% | pts. | 98.6% | 0.0% | -98.6% | pts. | 98.7% | 0.0% | -98.7% | pts. |
| Net retuon investment (annualised) | 3.3% | 2.6% | 3.1% | 2.4% | 2.9% | 2.9% | 2.9% | 2.0% | 2.2% | 2.9% | 2.9% | -1.1% | -0.2% | 0.0% | 0.0% | pts. | 3.1% | 2.0% | -1.1% | pts. | 2.7% | 2.1% | -0.6% | pts. | 2.4% | 2.8% | 0.4% | pts. | 2.9% | 2.9% | 0.0% | pts. |
| 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs. 2021A | |||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | |||||||||||||||||||||||||||||
| Retail |
FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | |||||||||||||
| Gross written premiums | 6,201 | 5,853 | 1,833 | 1,401 | 1,400 | 1,537 | 6,170 | 1,984 | 1,372 | 0 | 0 | 8.3% | -2.0% | -100.0% | -100.0% | 1,833 | 1,984 | 8.3% | 3,233 | 3,356 | 3.8% | 4,633 | 0 | -100.0% | 6,170 | 0 | -100.0% | |||||
| Net premiums earned | 4,979 | 4,685 | 1,153 | 1,199 | 1,144 | 1,328 | 4,823 | 1,200 | 1,207 | 0 | 0 | 4.2% | 0.6% | -100.0% | -100.0% | 1,153 | 1,200 | 4.2% | 2,352 | 2,407 | 2.4% | 3,495 | 0 | -100.0% | 4,823 | 0 | -100.0% | |||||
| Operating profit/loss (EBIT) | 230 | 203 | 137 | 21 | 76 | 53 | 286 | 76 | 56 | 0 | 0 | -44.7% | 169.4% | -100.0% | -100.0% | 137 | 76 | -44.7% | 157 | 132 | -16.4% | 234 | 0 | -100.0% | 286 | 0 | -100.0% | |||||
| Net income (ex minorities) | 133 | 119 | 84 | 13 | 34 | 30 | 161 | 42 | 32 | 0 | 0 | -49.7% | 153.3% | -100.0% | -100.0% | 84 | 42 | -49.7% | 97 | 75 | -23.0% | 131 | 0 | -100.0% | 161 | 0 | -100.0% | |||||
| Net retuon investment (annualised) | 3.6% | 3.6% | 4.5% | 3.8% | 3.4% | 3.4% | 3.7% | 2.9% | 1.4% | 3.4% | 3.4% | -1.5% | -2.4% | 0.0% | 0.0% | pts. | 4.5% | 2.9% | -1.5% | pts. | 4.1% | 2.2% | -1.9% | pts. | 3.5% | 3.9% | 0.4% | pts. | 3.7% | 3.7% | 0.0% | pts. |
| 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs. 2021A | |||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | |||||||||||||||||||||||||||||
| Retail |
FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | |||||||||||||
| Gross written premiums | 1,588 | 1,502 | 781 | 251 | 276 | 266 | 1,574 | 873 | 268 | 0 | 0 | 11.8% | 6.9% | -100.0% | -100.0% | 781 | 873 | 11.8% | 1,031 | 1,141 | 10.6% | 1,308 | 0 | -100.0% | 1,574 | 0 | -100.0% | |||||
| Net premiums earned | 1,486 | 1,334 | 346 | 321 | 308 | 355 | 1,329 | 378 | 397 | 0 | 0 | 9.4% | 23.8% | -100.0% | -100.0% | 346 | 378 | 9.4% | 666 | 775 | 16.3% | 974 | 0 | -100.0% | 1,329 | 0 | -100.0% | |||||
| Operating profit/loss (EBIT) | 98 | 134 | 81 | 21 | -3 | 5 | 104 | 31 | 2 | 0 | 0 | -61.7% | -89.5% | -100.0% | -100.0% | 81 | 31 | -61.7% | 102 | 33 | -67.4% | 99 | 0 | -100.0% | 104 | 0 | -100.0% | |||||
| Net combined ratio | 99.0% | 95.4% | 84.2% | 99.7% | 108.0% | 105.7% | 99.2% | 97.8% | 101.0% | 0.0% | 0.0% | 13.6% | 1.3% | -108.0% | -105.7% | pts. | 84.2% | 97.8% | 13.6% | pts. | 91.7% | 99.5% | 7.8% | pts. | 96.8% | 0.0% | -96.8% | pts. | 99.2% | 0.0% | -99.2% | pts. |
| Net retuon investment (annualised) | 3.0% | 2.2% | 2.7% | 2.2% | 2.4% | 4.7% | 3.1% | 2.3% | 1.2% | 2.4% | 4.7% | -0.4% | -1.0% | 0.0% | 0.0% | pts. | 2.7% | 2.3% | -0.4% | pts. | 2.5% | 1.8% | -0.7% | pts. | 2.1% | 2.5% | 0.4% | pts. | 3.1% | 3.1% | 0.0% | pts. |
| 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs. 2021A | |||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | |||||||||||||||||||||||||||||
| Retail |
FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | |||||||||||||
| Gross written premiums | 4,612 | 4,351 | 1,052 | 1,150 | 1,124 | 1,271 | 4,596 | 1,111 | 1,104 | 0 | 0 | 5.6% | -4.0% | -100.0% | -100.0% | 1,052 | 1,111 | 5.6% | 2,202 | 2,215 | 0.6% | 3,326 | 0 | -100.0% | 4,596 | 0 | -100.0% | |||||
| Net premiums earned | 3,493 | 3,352 | 807 | 879 | 836 | 973 | 3,494 | 822 | 810 | 0 | 0 | 1.9% | -7.8% | -100.0% | -100.0% | 807 | 822 | 1.9% | 1,685 | 1,632 | -3.2% | 2,521 | 0 | -100.0% | 3,494 | 0 | -100.0% | |||||
| Operating profit/loss (EBIT) | 131 | 70 | 56 | -0 | 79 | 47 | 183 | 45 | 54 | 0 | 0 | -20.3% | -31869.6% | -100.0% | -100.0% | 56 | 45 | -20.3% | 56 | 98 | 76.2% | 135 | 0 | -100.0% | 183 | 0 | -100.0% | |||||
| Net retuon investment (annualised) | 3.7% | 3.7% | 4.6% | 3.9% | 3.5% | 3.3% | 3.8% | 3.0% | 1.4% | 3.5% | 3.3% | -1.6% | -2.5% | 0.0% | 0.0% | 4.6% | 3.0% | -1.6% | pts. | 4.2% | 2.2% | -2.0% | pts. | 3.6% | 4.0% | 0.4% | pts. | 3.8% | 3.8% | 0.0% | pts. | |
| 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs. 2021A | |||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | |||||||||||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | ||||||||||||||
| Gross written premiums | 6,111 | 5,527 | 1,519 | 1,532 | 1,489 | 1,586 | 6,127 | 1,665 | 1,771 | 0 | 0 | 9.6% | 15.6% | -100.0% | -100.0% | 1,519 | 1,665 | 9.6% | 3,052 | 3,436 | 12.6% | 4,541 | 0 | -100.0% | 6,127 | 0 | -100.0% | |||||
| Net premiums earned | 5,343 | 4,950 | 1,309 | 1,321 | 1,293 | 1,261 | 5,183 | 1,370 | 1,498 | 0 | 0 | 4.7% | 13.4% | -100.0% | -100.0% | 1,309 | 1,370 | 4.7% | 2,630 | 2,868 | 9.1% | 3,923 | 0 | -100.0% | 5,183 | 0 | -100.0% | |||||
| Operating profit/loss (EBIT) | 283 | 266 | 87 | 86 | 54 | 67 | 294 | 86 | 78 | 0 | 0 | -1.2% | -8.8% | -100.0% | -100.0% | 87 | 86 | -1.2% | 173 | 164 | -5.0% | 227 | 0 | -100.0% | 294 | 0 | -100.0% | |||||
| Net income (ex minorities) | 164 | 160 | 54 | 50 | 31 | 54 | 189 | 46 | 50 | 0 | 0 | -15.1% | -1.4% | -100.0% | -100.0% | 54 | 46 | -15.1% | 104 | 95 | -8.5% | 135 | 0 | -100.0% | 189 | 0 | -100.0% | |||||
| Net combined ratio (property/casualty) | 95.5% | 95.2% | 93.9% | 91.8% | 97.0% | 96.2% | 94.8% | 94.0% | 98.9% | 0.0% | 0.0% | 0.2% | 7.1% | -97.0% | -96.2% | pts. | 93.9% | 94.0% | 0.2% | pts. | 92.8% | 96.6% | 3.8% | pts. | 94.3% | 0.0% | -94.3% | pts. | 94.8% | 0.0% | -94.8% | pts. |
| Net retuon investment (annualised) | 3.3% | 2.6% | 2.9% | 2.8% | 2.4% | 2.8% | 2.8% | 3.1% | 2.9% | 2.4% | 2.8% | 0.1% | 0.1% | 0.0% | 0.0% | pts. | 2.9% | 3.1% | 0.1% | pts. | 2.8% | 3.0% | 0.2% | pts. | 2.6% | 2.7% | 0.1% | pts. | 2.8% | 2.8% | 0.0% | pts. |
| 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs. 2021A | |||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | |||||||||||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | ||||||||||||||
| Gross written premiums | 18,525 | 18,038 | 6,064 | 4,407 | 4,530 | 4,857 | 19,858 | 6,665 | 5,023 | 0 | 0 | 9.9% | 14.0% | -100.0% | -100.0% | 6,064 | 6,665 | 9.9% | 10,471 | 11,689 | 11.6% | 15,001 | 0 | -100.0% | 19,858 | 0 | -100.0% | |||||
| Net premiums earned | 13,290 | 12,643 | 3,257 | 3,378 | 3,277 | 3,522 | 13,435 | 3,538 | 3,744 | 0 | 0 | 8.6% | 10.8% | -100.0% | -100.0% | 3,257 | 3,538 | 8.6% | 6,636 | 7,281 | 9.7% | 9,913 | 0 | -100.0% | 13,435 | 0 | -100.0% | |||||
| Operating profit/loss (EBIT) | 673 | 518 | 274 | 153 | 185 | 165 | 777 | 208 | 189 | 0 | 0 | -24.2% | 23.9% | -100.0% | -100.0% | 274 | 208 | -24.2% | 427 | 397 | -7.0% | 612 | 0 | -100.0% | 777 | 0 | -100.0% | |||||
| Net income (excl. non-controlling interests) | 400 | 326 | 177 | 92 | 97 | 126 | 493 | 119 | 122 | 0 | 0 | -32.9% | 32.3% | -100.0% | -100.0% | 177 | 119 | -32.9% | 269 | 241 | -10.5% | 366 | 0 | -100.0% | 493 | 0 | -100.0% | |||||
| Net combined ratio (property/casualty) | 98.3% | 98.9% | 94.1% | 95.7% | 99.5% | 98.9% | 97.1% | 95.9% | 98.0% | 0.0% | 0.0% | 1.8% | 2.3% | -99.5% | -98.9% | pts. | 94.1% | 95.9% | 1.8% | pts. | 94.9% | 97.0% | 2.1% | pts. | 96.5% | 0.0% | -96.5% | pts. | 97.1% | 0.0% | -97.1% | pts. |
| Net retuon investment (annualised) | 3.5% | 3.3% | 4.0% | 3.4% | 3.2% | 3.2% | 3.5% | 2.8% | 1.8% | 3.2% | 3.2% | -1.2% | -1.7% | 0.0% | 0.0% | pts. | 4.0% | 2.8% | -1.2% | pts. | 3.7% | 2.3% | -1.4% | pts. | 3.2% | 3.5% | 0.3% | pts. | 3.5% | 3.5% | 0.0% | pts. |
| 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs. 2021A | |||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | |||||||||||||||||||||||||||||
| Reinsurance | FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 20211 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | |||||||||||||
| Gross written premiums | 22,598 | 24,770 | 7,809 | 6,655 | 7,155 | 6,143 | 27,762 | 9,333 | 8,009 | 0 | 0 | 19.5% | 20.3% | -100.0% | -100.0% | 7,809 | 9,333 | 19.5% | 14,465 | 17,342 | 19.9% | 21,620 | 0 | -100.0% | 27,762 | 0 | -100.0% | |||||
| Net premiums earned | 19,730 | 21,361 | 5,693 | 5,822 | 6,118 | 6,510 | 24,143 | 6,710 | 7,057 | 0 | 0 | 17.9% | 21.2% | -100.0% | -100.0% | 5,693 | 6,710 | 17.9% | 11,515 | 13,767 | 19.6% | 17,634 | 0 | -100.0% | 24,143 | 0 | -100.0% | |||||
| Operating profit/loss (EBIT) | 1,818 | 1,230 | 408 | 556 | 326 | 446 | 1,736 | 402 | 528 | 0 | 0 | -1.5% | -5.0% | -100.0% | -100.0% | 408 | 402 | -1.5% | 964 | 930 | -3.5% | 1,290 | 0 | -100.0% | 1,736 | 0 | -100.0% | |||||
| Net income (excl. non-controlling interests) | 619 | 442 | 153 | 183 | 91 | 182 | 609 | 133 | 193 | 0 | 0 | -13.5% | 6.0% | -100.0% | -100.0% | 153 | 133 | -13.5% | 336 | 326 | -2.9% | 427 | 0 | -100.0% | 609 | 0 | -100.0% | |||||
| Net retuon investment (annualised) | 3.5% | 3.1% | 2.5% | 3.0% | 3.4% | 3.8% | 3.2% | 3.1% | 3.1% | 3.4% | 3.8% | 0.6% | 0.1% | 0.0% | 0.0% | pts. | 2.5% | 3.1% | 0.6% | pts. | 2.8% | 3.1% | 0.3% | pts. | 2.9% | 3.0% | 0.1% | pts. | 3.2% | 3.2% | 0.0% | pts. |
| 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs. 2021A | |||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | |||||||||||||||||||||||||||||
| Property/Casualty Reinsurance | FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | |||||||||||||
| Gross written premiums | 14,781 | 16,744 | 5,693 | 4,574 | 5,003 | 3,955 | 19,224 | 7,149 | 5,773 | 0 | 0 | 25.6% | 26.2% | -100.0% | -100.0% | 5,693 | 7,149 | 25.6% | 10,267 | 12,922 | 25.9% | 15,269 | 0 | -100.0% | 19,224 | 0 | -100.0% | |||||
| Net premiums earned | 12,798 | 14,205 | 3,863 | 3,984 | 4,229 | 4,548 | 16,624 | 4,782 | 5,037 | 0 | 0 | 23.8% | 26.4% | -100.0% | -100.0% | 3,863 | 4,782 | 23.8% | 7,847 | 9,819 | 25.1% | 12,076 | 0 | -100.0% | 16,624 | 0 | -100.0% | |||||
| Operating profit/loss (EBIT) | 1,256 | 845 | 318 | 471 | 287 | 445 | 1,521 | 291 | 309 | 0 | 0 | -8.5% | -34.3% | -100.0% | -100.0% | 318 | 291 | -8.5% | 789 | 601 | -23.9% | 1,076 | 0 | -100.0% | 1,521 | 0 | -100.0% | |||||
| Combined ratio | 98.2% | 101.6% | 96.2% | 95.8% | 101.5% | 97.2% | 97.7% | 99.5% | 98.7% | 0.0% | 0.0% | 3.3% | 2.8% | -101.5% | -97.2% | 96.2% | 99.5% | 3.3% | pts. | 96.0% | 99.1% | 3.0% | pts. | 97.9% | 0.0% | -97.9% | pts. | 97.7% | 0.0% | -97.7% | pts. | |
| 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs. 2021A | |||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | |||||||||||||||||||||||||||||
| Life/Health Reinsurance | FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 20211 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | |||||||||||||
| Gross written premiums | 7,816 | 8,026 | 2,116 | 2,082 | 2,152 | 2,188 | 8,538 | 2,185 | 2,236 | 0 | 0 | 3.2% | 7.4% | -100.0% | -100.0% | 2,116 | 2,185 | 3.2% | 4,198 | 4,420 | 5.3% | 6,350 | 0 | -100.0% | 8,538 | 0 | -100.0% | |||||
| Net premiums earned | 6,932 | 7,155 | 1,830 | 1,839 | 1,889 | 1,962 | 7,519 | 1,928 | 2,020 | 0 | 0 | 5.4% | 9.8% | -100.0% | -100.0% | 1,830 | 1,928 | 5.4% | 3,669 | 3,947 | 7.6% | 5,558 | 0 | -100.0% | 7,519 | 0 | -100.0% | |||||
| Operating profit/loss (EBIT) | 562 | 385 | 90 | 85 | 39 | 1 | 216 | 111 | 219 | 0 | 0 | 23.4% | 156.8% | -100.0% | -100.0% | 90 | 111 | 23.4% | 175 | 330 | 88.2% | 214 | 0 | -100.0% | 216 | 0 | -100.0% |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Group P&L
| Consolidated statement of income | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | ||||||||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 39,494 | 41,109 | 13,649 | 10,426 | 11,075 | 10,357 | 45,507 | 15,905 | 12,427 | 0 | 0 | 16.5% | 19.2% | -100.0% | -100.0% | 13,649 | 15,905 | 16.5% | 24,075 | 28,332 | 17.7% | 35,150 | 0 | -100.0% | 45,507 | 0 | -100.0% | |||||
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 943 | 890 | 242 | 267 | 234 | 264 | 1,008 | 230 | 241 | 0 | 0 | -4.9% | -9.9% | -100.0% | -100.0% | 242 | 230 | -4.9% | 509 | 471 | -7.6% | 743 | 0 | -100.0% | 1,008 | 0 | -100.0% | |||||
| 3. Ceded written premiums | 4,473 | 4,819 | 1,826 | 1,111 | 1,329 | 1,180 | 5,446 | 1,970 | 1,363 | 0 | 0 | 7.9% | 22.7% | -100.0% | -100.0% | 1,826 | 1,970 | 7.9% | 2,937 | 3,333 | 13.5% | 4,266 | 0 | -100.0% | 5,446 | 0 | -100.0% | |||||
| 4. Change in gross unearned premiums | -1,065 | -1,446 | -3,271 | 407 | 219 | 1,549 | -1,096 | -4,089 | 127 | 0 | 0 | 25.0% | -68.7% | -100.0% | -100.0% | -3,271 | -4,089 | 25.0% | -2,864 | -3,961 | 38.3% | -2,645 | 0 | -100.0% | -1,096 | 0 | -100.0% | |||||
| 5. Change in ceded unearned premiums | -42 | -235 | -705 | 198 | 235 | 366 | 94 | -715 | 84 | 0 | 0 | 1.5% | -57.5% | -100.0% | -100.0% | -705 | -715 | 1.5% | -507 | -631 | 24.6% | -272 | 0 | -100.0% | 94 | 0 | -100.0% | |||||
| Net premiums earned | 33,054 | 34,190 | 9,015 | 9,256 | 9,495 | 10,096 | 37,863 | 10,332 | 10,866 | 0 | 0 | 14.6% | 17.4% | -100.0% | -100.0% | 9,015 | 10,332 | 14.6% | 18,272 | 21,198 | 16.0% | 27,767 | 0 | -100.0% | 37,863 | 0 | -100.0% | |||||
| 6. Claims and claims expenses (gross) | 29,210 | 30,711 | 8,123 | 8,087 | 9,526 | 9,313 | 35,050 | 9,076 | 8,814 | 0 | 0 | 11.7% | 9.0% | -100.0% | -100.0% | 8,123 | 9,076 | 11.7% | 16,210 | 17,890 | 10.4% | 25,737 | 0 | -100.0% | 35,050 | 0 | -100.0% | |||||
| Reinsurers' share | 2,845 | 2,767 | 723 | 713 | 1,581 | 1,322 | 4,338 | 961 | 609 | 0 | 0 | 33.0% | -14.5% | -100.0% | -100.0% | 723 | 961 | 33.0% | 1,436 | 1,570 | 9.4% | 3,017 | 0 | -100.0% | 4,338 | 0 | -100.0% | |||||
| Claims and claims expenses (net) | 26,366 | 27,944 | 7,400 | 7,375 | 7,945 | 7,991 | 30,711 | 8,115 | 8,205 | 0 | 0 | 9.7% | 11.3% | -100.0% | -100.0% | 7,400 | 8,115 | 9.7% | 14,775 | 16,320 | 10.5% | 22,720 | 0 | -100.0% | 30,711 | 0 | -100.0% | |||||
| 7. Acquisition costs and administrative expenses (gross) | 9,141 | 9,697 | 2,365 | 2,405 | 2,326 | 2,880 | 9,977 | 2,794 | 2,922 | 0 | 0 | 18.1% | 21.5% | -100.0% | -100.0% | 2,365 | 2,794 | 18.1% | 4,770 | 5,716 | 19.8% | 7,096 | 0 | -100.0% | 9,977 | 0 | -100.0% | |||||
| Reinsurers' share | 698 | 711 | 189 | 183 | 160 | 215 | 747 | 196 | 205 | 0 | 0 | 3.6% | 12.0% | -100.0% | -100.0% | 189 | 196 | 3.6% | 372 | 401 | 7.7% | 532 | 0 | -100.0% | 747 | 0 | -100.0% | |||||
| Acquisition costs and administrative expenses (net) | 8,442 | 8,986 | 2,176 | 2,222 | 2,165 | 2,666 | 9,230 | 2,598 | 2,717 | 0 | 0 | 19.4% | 22.3% | -100.0% | -100.0% | 2,176 | 2,598 | 19.4% | 4,398 | 5,316 | 20.9% | 6,564 | 0 | -100.0% | 9,230 | 0 | -100.0% | |||||
| 8. Other technical income | 60 | 66 | 15 | 10 | 13 | 14 | 52 | 17 | 18 | 0 | 0 | 6.7% | 79.1% | -100.0% | -100.0% | 15 | 17 | 6.7% | 26 | 35 | 35.4% | 39 | 0 | -100.0% | 52 | 0 | -100.0% | |||||
| Other technical expenses | 139 | 145 | 54 | 52 | 20 | 43 | 170 | 58 | 38 | 0 | 0 | 8.2% | -28.4% | -100.0% | -100.0% | 54 | 58 | 8.2% | 106 | 96 | -9.8% | 127 | 0 | -100.0% | 170 | 0 | -100.0% | |||||
| Other technical result | -79 | -80 | -38 | -42 | -7 | -29 | -117 | -42 | -19 | 0 | 0 | 8.9% | -54.3% | -100.0% | -100.0% | -38 | -42 | 8.9% | -81 | -61 | -24.2% | -88 | 0 | -100.0% | -117 | 0 | -100.0% | |||||
| Net technical result | -1,833 | -2,821 | -600 | -382 | -622 | -590 | -2,195 | -423 | -75 | 0 | 0 | -29.5% | -80.5% | -100.0% | -100.0% | -600 | -423 | -29.5% | -982 | -498 | -49.3% | -1,605 | 0 | -100.0% | -2,195 | 0 | -100.0% | |||||
| 9a. Investment income | 4,909 | 5,166 | 1,383 | 1,294 | 1,323 | 1,482 | 5,483 | 1,419 | 1,254 | 0 | 0 | 2.6% | -3.1% | -100.0% | -100.0% | 1,383 | 1,419 | 2.6% | 2,677 | 2,674 | -0.1% | 4,000 | 0 | -100.0% | 5,483 | 0 | -100.0% | |||||
| 9b. Investment expenses | 779 | 1,136 | 258 | 237 | 235 | 293 | 1,022 | 422 | 489 | 0 | 0 | 63.6% | 106.5% | -100.0% | -100.0% | 258 | 422 | 63.6% | 495 | 911 | 84.1% | 730 | 0 | -100.0% | 1,022 | 0 | -100.0% | |||||
| Net income from assets under own management | 4,130 | 4,030 | 1,125 | 1,057 | 1,088 | 1,190 | 4,460 | 997 | 765 | 0 | 0 | -11.4% | -27.6% | -100.0% | -100.0% | 1,125 | 997 | -11.4% | 2,183 | 1,763 | -19.2% | 3,270 | 0 | -100.0% | 4,460 | 0 | -100.0% | |||||
| Net income from investment contracts | 3 | 0 | 1 | 0 | 1 | 1 | 3 | 1 | 1 | 0 | 0 | 15.7% | 177.6% | -100.0% | -100.0% | 1 | 1 | 15.7% | 2 | 3 | 64.6% | 3 | 0 | -100.0% | 3 | 0 | -100.0% | |||||
| Net interest income from funds withheld and contract deposits | 190 | 210 | 127 | 38 | 39 | 50 | 255 | 52 | 70 | 0 | 0 | -59.3% | 81.6% | -100.0% | -100.0% | 127 | 52 | -59.3% | 165 | 122 | -26.5% | 204 | 0 | -100.0% | 255 | 0 | -100.0% | |||||
| Net investment income | 4,323 | 4,240 | 1,253 | 1,096 | 1,128 | 1,241 | 4,718 | 1,050 | 837 | 0 | 0 | -16.2% | -23.7% | -100.0% | -100.0% | 1,253 | 1,050 | -16.2% | 2,350 | 1,887 | -19.7% | 3,477 | 0 | -100.0% | 4,718 | 0 | -100.0% | |||||
| of which share of profit or loss of equity-accounted associates and joint ventures | 35 | 100 | 18 | 11 | 9 | 5 | 43 | 30 | 12 | 0 | 0 | 71.0% | 11.9% | -100.0% | -100.0% | 18 | 30 | 71.0% | 28 | 42 | 48.7% | 38 | 0 | -100.0% | 43 | 0 | -100.0% | |||||
| 10a. Other income | 1,114 | 1,432 | 568 | 254 | 268 | 436 | 1,526 | 569 | 524 | 0 | 0 | 0.3% | 106.2% | -100.0% | -100.0% | 568 | 569 | 0.3% | 822 | 1,093 | 33.0% | 1,090 | 0 | -100.0% | 1,526 | 0 | -100.0% | |||||
| 10b. Other expenses | 1,173 | 1,207 | 596 | 260 | 267 | 472 | 1,596 | 566 | 557 | 0 | 0 | -4.9% | 114.0% | -100.0% | -100.0% | 596 | 566 | -4.9% | 856 | 1,124 | 31.2% | 1,123 | 0 | -100.0% | 1,596 | 0 | -100.0% | |||||
| Other income/expenses | -60 | 226 | -28 | -6 | 1 | -36 | -69 | 3 | -34 | 0 | 0 | -109.6% | 421.8% | -100.0% | -100.0% | -28 | 3 | -109.6% | -35 | -31 | -10.3% | -33 | 0 | -100.0% | -69 | 0 | -100.0% | |||||
| Profit before goodwill impairments | 2,430 | 1,645 | 625 | 707 | 506 | 615 | 2,454 | 630 | 728 | 0 | 0 | 0.7% | 3.0% | -100.0% | -100.0% | 625 | 630 | 0.7% | 1,333 | 1,358 | 1.9% | 1,839 | 0 | -100.0% | 2,454 | 0 | -100.0% | |||||
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | -0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Operating profit/loss (EBIT) | 2,430 | 1,645 | 625 | 707 | 506 | 615 | 2,454 | 630 | 728 | 0 | 0 | 0.7% | 3.0% | -100.0% | -100.0% | 625 | 630 | 0.7% | 1,333 | 1,358 | 1.9% | 1,839 | 0 | -100.0% | 2,454 | 0 | -100.0% | |||||
| Financing costs | 191 | 198 | 42 | 46 | 46 | 41 | 176 | 45 | 43 | 0 | 0 | 5.5% | -5.9% | -100.0% | -100.0% | 42 | 45 | 5.5% | 88 | 88 | -0.4% | 135 | 0 | -100.0% | 176 | 0 | -100.0% | |||||
| Taxes on income | 568 | 277 | 128 | 180 | 173 | 67 | 548 | 163 | 150 | 0 | 0 | 26.6% | -16.9% | -100.0% | -100.0% | 128 | 163 | 26.6% | 309 | 312 | 1.2% | 481 | 0 | -100.0% | 548 | 0 | -100.0% | |||||
| Net income | 1,671 | 1,170 | 455 | 481 | 288 | 506 | 1,730 | 422 | 535 | 0 | 0 | -7.1% | 11.2% | -100.0% | -100.0% | 455 | 422 | -7.1% | 936 | 957 | 2.3% | 1,223 | 0 | -100.0% | 1,730 | 0 | -100.0% | |||||
| attributable to non-controlling interests | 748 | 522 | 177 | 212 | 111 | 218 | 718 | 166 | 231 | 0 | 0 | -6.3% | 8.9% | -100.0% | -100.0% | 177 | 166 | -6.3% | 389 | 397 | 2.0% | 500 | 0 | -100.0% | 718 | 0 | -100.0% | |||||
| attributable to shareholders of |
923 | 648 | 277 | 269 | 177 | 288 | 1,011 | 256 | 304 | 0 | 0 | -7.6% | 13.0% | -100.0% | -100.0% | 277 | 256 | -7.6% | 546 | 560 | 2.6% | 723 | 0 | -100.0% | 1,011 | 0 | -100.0% | |||||
| Basic earnings per share | 3.65 | 2.56 | 1.10 | 1.06 | 0.70 | 1.14 | 4.00 | 1.01 | 1.20 | 0.00 | 0.00 | -7.7% | 12.9% | -100.0% | -100.0% | 1.10 | 1.01 | -7.6% | 2.16 | 2.21 | 2.4% | 2.86 | 0.00 | -100.0% | 4.00 | 0.00 | -100.0% | |||||
| Diluted earnings per share | 3.65 | 2.56 | 1.10 | 1.06 | 0.70 | 1.14 | 4.00 | 1.01 | 1.20 | 0.00 | 0.00 | -7.7% | 12.9% | -100.0% | -100.0% | 1.10 | 1.01 | -7.6% | 2.16 | 2.21 | 2.4% | 2.86 | 0.00 | -100.0% | 4.00 | 0.00 | -100.0% | |||||
| Retention ratio | 88.4% | 88.0% | 86.4% | 89.1% | 87.7% | 88.3% | 87.8% | 87.4% | 88.8% | 0.0% | 0.0% | 1.1% | -0.2% | -87.7% | -88.3% | pts. | 86.4% | 87.4% | 1.1% | pts. | 87.5% | 88.0% | 0.5% | pts. | 87.6% | 0.0% | -87.6% | pts. | 87.8% | 0.0% | -87.8% | pts. |
| Net expense ratio (property/casualty) | 29.0% | 28.4% | 26.9% | 28.3% | 27.0% | 29.1% | 27.8% | 27.8% | 28.8% | 0.0% | 0.0% | 0.9% | 0.5% | -27.0% | -29.1% | pts. | 26.9% | 27.8% | 0.9% | pts. | 27.6% | 28.3% | 0.7% | pts. | 27.4% | 0.0% | -27.4% | pts. | 27.8% | 0.0% | -27.8% | pts. |
| Net loss ratio (property/casualty) | 69.5% | 72.7% | 69.2% | 67.6% | 74.2% | 69.1% | 70.1% | 70.5% | 70.1% | 0.0% | 0.0% | 1.4% | 2.4% | -74.2% | -69.1% | pts. | 69.2% | 70.5% | 1.4% | pts. | 68.4% | 70.3% | 1.9% | pts. | 70.4% | 0.0% | -70.4% | pts. | 70.1% | 0.0% | -70.1% | pts. |
| Net combined ratio (property/casualty) | 98.3% | 100.9% | 96.1% | 95.7% | 100.9% | 98.0% | 97.7% | 98.3% | 98.4% | 0.0% | 0.0% | 2.3% | 2.7% | -100.9% | -98.0% | pts. | 96.1% | 98.3% | 2.3% | pts. | 95.9% | 98.4% | 2.5% | pts. | 97.6% | 0.0% | -97.6% | pts. | 97.7% | 0.0% | -97.7% | pts. |
| Net retuon investment | 3.5% | 3.2% | 3.5% | 3.2% | 3.3% | 3.5% | 3.4% | 3.0% | 2.3% | XX | XX | -0.5% | -0.9% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 3.5% | 3.0% | -0.5% | pts. | 3.3% | 2.7% | -0.7% | pts. | 3.1% | 3.3% | 0.2% | pts. | 3.4% | 3.4% | 0.0% | pts. |
| EBIT margin | 7.4% | 4.9% | 6.9% | 7.6% | 5.3% | 6.1% | 6.5% | 6.1% | 6.7% | 0.0% | 0.0% | -0.8% | -0.9% | -5.3% | -6.1% | pts. | 6.9% | 6.1% | -0.8% | pts. | 7.3% | 6.4% | -0.9% | pts. | 6.6% | 0.0% | -6.6% | pts. | 6.5% | 0.0% | -6.5% | pts. |
| Tax ratio | 25.4% | 19.1% | 22.0% | 27.3% | 37.5% | 11.7% | 24.1% | 27.8% | 21.9% | ERROR:#DIV/0! | ERROR:#DIV/0! | 5.8% | -5.4% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 22.0% | 27.8% | 5.8% | pts. | 24.8% | 24.6% | -0.2% | pts. | 28.2% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 24.1% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. |
| Retuon equity | 9.8% | 6.6% | 10.7% | 10.3% | 6.7% | 10.8% | 9.6% | 10.0% | 13.5% | XX | XX | -0.7% | 3.1% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 10.7% | 10.0% | -0.7% | pts. | 10.5% | 11.8% | 1.3% | pts. | 6.8% | 9.2% | 2.4% | pts. | 9.6% | 9.6% | 0.0% | pts. |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Primary Insurance P&L
| Consolidated statement of income by division/reportable segment | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | ||||||||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 18,525 | 18,038 | 6,064 | 4,407 | 4,530 | 4,857 | 19,858 | 6,665 | 5,023 | 0 | 0 | 9.9% | 14.0% | -100.0% | -100.0% | 6,064 | 6,665 | 9.9% | 10,471 | 11,689 | 11.6% | 15,001 | 0 | -100.0% | 19,858 | 0 | -100.0% | |||||
| of which attributable to other divisions/segments | 115 | 126 | 30 | 30 | 32 | 7 | 100 | 35 | 34 | 0 | 0 | 15.8% | 11.3% | -100.0% | -100.0% | 30 | 35 | 15.8% | 61 | 69 | 13.5% | 92 | 0 | -100.0% | 100 | 0 | -100.0% | |||||
| of which attributable to third parties | 18,410 | 17,912 | 6,033 | 4,377 | 4,498 | 4,850 | 19,758 | 6,630 | 4,990 | 0 | 0 | 9.9% | 14.0% | -100.0% | -100.0% | 6,033 | 6,630 | 9.9% | 10,410 | 11,620 | 11.6% | 14,908 | 0 | -100.0% | 19,758 | 0 | -100.0% | |||||
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 943 | 890 | 242 | 267 | 234 | 264 | 1,008 | 230 | 241 | 0 | 0 | -4.9% | -9.9% | -100.0% | -100.0% | 242 | 230 | -4.9% | 509 | 471 | -7.6% | 743 | 0 | -100.0% | 1,008 | 0 | -100.0% | |||||
| 3. Ceded written premiums | 3,889 | 4,330 | 1,578 | 1,066 | 1,161 | 1,157 | 4,962 | 1,542 | 1,149 | 0 | 0 | -2.3% | 7.8% | -100.0% | -100.0% | 1,578 | 1,542 | -2.3% | 2,644 | 2,692 | 1.8% | 3,805 | 0 | -100.0% | 4,962 | 0 | -100.0% | |||||
| 4. Change in gross unearned premiums | -558 | -401 | -1,575 | 403 | 275 | 239 | -657 | -1,772 | 197 | 0 | 0 | 12.5% | -51.2% | -100.0% | -100.0% | -1,575 | -1,772 | 12.5% | -1,171 | -1,575 | 34.5% | -897 | 0 | -100.0% | -657 | 0 | -100.0% | |||||
| 5. Change in ceded unearned premiums | -156 | -227 | -589 | 99 | 132 | 153 | -204 | -417 | 87 | 0 | 0 | -29.2% | -12.5% | -100.0% | -100.0% | -589 | -417 | -29.2% | -489 | -330 | -32.5% | -357 | 0 | -100.0% | -204 | 0 | -100.0% | |||||
| Net premiums earned | 13,290 | 12,643 | 3,257 | 3,378 | 3,277 | 3,522 | 13,435 | 3,538 | 3,744 | 0 | 0 | 8.6% | 10.8% | -100.0% | -100.0% | 3,257 | 3,538 | 8.6% | 6,636 | 7,281 | 9.7% | 9,913 | 0 | -100.0% | 13,435 | 0 | -100.0% | |||||
| 6. Claims and claims expenses (gross) | 14,113 | 13,461 | 3,604 | 3,861 | 4,065 | 3,887 | 15,417 | 3,756 | 3,793 | 0 | 0 | 4.2% | -1.8% | -100.0% | -100.0% | 3,604 | 3,756 | 4.2% | 7,465 | 7,548 | 1.1% | 11,530 | 0 | -100.0% | 15,417 | 0 | -100.0% | |||||
| Reinsurers' share | 2,444 | 2,412 | 611 | 722 | 1,024 | 931 | 3,288 | 735 | 796 | 0 | 0 | 20.2% | 10.3% | -100.0% | -100.0% | 611 | 735 | 20.2% | 1,333 | 1,531 | 14.8% | 2,357 | 0 | -100.0% | 3,288 | 0 | -100.0% | |||||
| Claims and claims expenses (net) | 11,668 | 11,050 | 2,992 | 3,139 | 3,041 | 2,956 | 12,128 | 3,021 | 2,997 | 0 | 0 | 1.0% | -4.5% | -100.0% | -100.0% | 2,992 | 3,021 | 1.0% | 6,131 | 6,018 | -1.9% | 9,173 | 0 | -100.0% | 12,128 | 0 | -100.0% | |||||
| 7. Acquisition costs and administrative expenses (gross) | 4,057 | 4,377 | 969 | 892 | 917 | 1,208 | 3,986 | 1,061 | 1,036 | 0 | 0 | 9.5% | 16.1% | -100.0% | -100.0% | 969 | 1,061 | 9.5% | 1,861 | 2,097 | 12.7% | 2,778 | 0 | -100.0% | 3,986 | 0 | -100.0% | |||||
| Reinsurers' share | 906 | 1,022 | 271 | 255 | 282 | 304 | 1,112 | 289 | 235 | 0 | 0 | 6.7% | -7.9% | -100.0% | -100.0% | 271 | 289 | 6.7% | 526 | 524 | -0.4% | 808 | 0 | -100.0% | 1,112 | 0 | -100.0% | |||||
| Acquisition costs and administrative expenses (net) | 3,152 | 3,355 | 698 | 636 | 635 | 904 | 2,874 | 772 | 800 | 0 | 0 | 10.6% | 25.8% | -100.0% | -100.0% | 698 | 772 | 10.6% | 1,334 | 1,573 | 17.8% | 1,970 | 0 | -100.0% | 2,874 | 0 | -100.0% | |||||
| 8. Other technical income | 55 | 65 | 16 | 10 | 13 | 14 | 52 | 16 | 18 | 0 | 0 | 5.9% | 79.9% | -100.0% | -100.0% | 16 | 16 | 5.9% | 26 | 35 | 35.1% | 39 | 0 | -100.0% | 52 | 0 | -100.0% | |||||
| Other technical expenses | 119 | 132 | 48 | 58 | 6 | 42 | 154 | 29 | 29 | 0 | 0 | -39.9% | -49.8% | -100.0% | -100.0% | 48 | 29 | -39.9% | 106 | 58 | -45.4% | 112 | 0 | -100.0% | 154 | 0 | -100.0% | |||||
| Other technical result | -63 | -67 | -32 | -48 | 7 | -28 | -102 | -12 | -11 | 0 | 0 | -62.3% | -77.2% | -100.0% | -100.0% | -32 | -12 | -62.3% | -80 | -23 | -71.2% | -73 | 0 | -100.0% | -102 | 0 | -100.0% | |||||
| Net technical result | -1,593 | -1,828 | -465 | -445 | -393 | -366 | -1,669 | -268 | -65 | 0 | 0 | -42.4% | -85.5% | -100.0% | -100.0% | -465 | -268 | -42.4% | -910 | -332 | -63.5% | -1,303 | 0 | -100.0% | -1,669 | 0 | -100.0% | |||||
| 9a. Investment income | 3,079 | 3,382 | 923 | 813 | 755 | 796 | 3,288 | 797 | 658 | 0 | 0 | -13.7% | -19.1% | -100.0% | -100.0% | 923 | 797 | -13.7% | 1,736 | 1,454 | -16.2% | 2,492 | 0 | -100.0% | 3,288 | 0 | -100.0% | |||||
| 9b. Investment expenses | 493 | 798 | 109 | 120 | 106 | 137 | 472 | 235 | 321 | 0 | 0 | 115.6% | 166.7% | -100.0% | -100.0% | 109 | 235 | 115.6% | 229 | 555 | 142.4% | 336 | 0 | -100.0% | 472 | 0 | -100.0% | |||||
| Net income from assets under own management | 2,585 | 2,584 | 814 | 693 | 649 | 660 | 2,816 | 562 | 337 | 0 | 0 | -31.0% | -51.4% | -100.0% | -100.0% | 814 | 562 | -31.0% | 1,507 | 899 | -40.4% | 2,156 | 0 | -100.0% | 2,816 | 0 | -100.0% | |||||
| Net income from investment contracts | 3 | 0 | 1 | 0 | 1 | 1 | 3 | 1 | 1 | 0 | 0 | 15.7% | 177.6% | -100.0% | -100.0% | 1 | 1 | 15.7% | 2 | 3 | 64.6% | 3 | 0 | -100.0% | 3 | 0 | -100.0% | |||||
| Net interest income from funds withheld and contract deposits | -17 | -12 | -4 | -3 | -4 | -4 | -14 | -3 | -2 | 0 | 0 | -10.0% | -38.1% | -100.0% | -100.0% | -4 | -3 | -10.0% | -7 | -5 | -23.4% | -10 | 0 | -100.0% | -14 | 0 | -100.0% | |||||
| Net investment income | 2,572 | 2,572 | 812 | 690 | 646 | 657 | 2,805 | 560 | 336 | 0 | 0 | -31.0% | -51.3% | -100.0% | -100.0% | 812 | 560 | -31.0% | 1,502 | 896 | -40.3% | 2,148 | 0 | -100.0% | 2,805 | 0 | -100.0% | |||||
| of which share of profit or loss of equity-accounted associates and joint ventures | 11 | 20 | 5 | 8 | 7 | 5 | 26 | 3 | 5 | 0 | 0 | -40.2% | -34.8% | -100.0% | -100.0% | 5 | 3 | -40.2% | 14 | 9 | -36.9% | 21 | 0 | -100.0% | 26 | 0 | -100.0% | |||||
| 10a. Other income | 450 | 565 | 287 | 65 | 92 | 183 | 627 | 226 | 202 | 0 | 0 | -21.5% | 210.9% | -100.0% | -100.0% | 287 | 226 | -21.5% | 352 | 428 | 21.4% | 444 | 0 | -100.0% | 627 | 0 | -100.0% | |||||
| 10b. Other expenses | 756 | 791 | 360 | 158 | 161 | 309 | 987 | 310 | 285 | 0 | 0 | -13.9% | 80.7% | -100.0% | -100.0% | 360 | 310 | -13.9% | 517 | 595 | 14.9% | 678 | 0 | -100.0% | 987 | 0 | -100.0% | |||||
| Other income/expenses | -306 | -226 | -72 | -93 | -69 | -126 | -360 | -84 | -83 | 0 | 0 | 16.4% | -10.8% | -100.0% | -100.0% | -72 | -84 | 16.4% | -165 | -167 | 1.1% | -234 | 0 | -100.0% | -360 | 0 | -100.0% | |||||
| Profit before goodwill impairments | 673 | 518 | 274 | 153 | 185 | 165 | 777 | 208 | 189 | 0 | 0 | -24.2% | 23.9% | -100.0% | -100.0% | 274 | 208 | -24.2% | 427 | 397 | -7.0% | 612 | 0 | -100.0% | 777 | 0 | -100.0% | |||||
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0.0% | 0 | -0 | 0.0% | 0 | 0 | 0.0% | 0 | 0 | 0.0% | |||||
| Operating profit/loss (EBIT) | 673 | 518 | 274 | 153 | 185 | 165 | 777 | 208 | 189 | 0 | 0 | -24.2% | 23.9% | -100.0% | -100.0% | 274 | 208 | -24.2% | 427 | 397 | -7.0% | 612 | 0 | -100.0% | 777 | 0 | -100.0% | |||||
| Financing costs | 33 | 38 | 7 | 8 | 7 | 1 | 23 | 3 | 3 | 0 | 0 | -50.4% | -61.3% | -100.0% | -100.0% | 7 | 3 | -50.4% | 15 | 7 | -56.1% | 22 | 0 | -100.0% | 23 | 0 | -100.0% | |||||
| Taxes on income | 190 | 105 | 79 | 41 | 71 | 24 | 215 | 70 | 49 | 0 | 0 | -11.2% | 20.0% | -100.0% | -100.0% | 79 | 70 | -11.2% | 120 | 119 | -0.6% | 191 | 0 | -100.0% | 215 | 0 | -100.0% | |||||
| Net income | 449 | 375 | 189 | 104 | 106 | 140 | 538 | 135 | 137 | 0 | 0 | -28.6% | 31.9% | -100.0% | -100.0% | 189 | 135 | -28.6% | 293 | 272 | -7.1% | 399 | 0 | -100.0% | 538 | 0 | -100.0% | |||||
| attributable to non-controlling interests | 49 | 49 | 12 | 12 | 9 | 14 | 46 | 16 | 15 | 0 | 0 | 37.6% | 28.0% | -100.0% | -100.0% | 12 | 16 | 37.6% | 23 | 31 | 32.8% | 32 | 0 | -100.0% | 46 | 0 | -100.0% | |||||
| attributable to shareholders of |
400 | 326 | 177 | 92 | 97 | 126 | 493 | 119 | 122 | 0 | 0 | -32.9% | 32.3% | -100.0% | -100.0% | 177 | 119 | -32.9% | 269 | 241 | -10.5% | 366 | 0 | -100.0% | 493 | 0 | -100.0% | |||||
| Retention ratio | 77.9% | 74.7% | 72.9% | 74.3% | 73.0% | 74.8% | 73.7% | 76.0% | 76.0% | 0.0% | 0.0% | 3.1% | 1.7% | -73.0% | -74.8% | pts. | 72.9% | 76.0% | 3.1% | pts. | 73.5% | 76.0% | 2.5% | pts. | 73.3% | 0.0% | -73.3% | pts. | 73.7% | 0.0% | -73.7% | pts. |
| Net expense ratio (property/casualty) | 28.1% | 26.9% | 25.4% | 24.3% | 25.2% | 27.5% | 25.6% | 25.2% | 25.5% | 0.0% | 0.0% | -0.1% | 1.3% | -25.2% | -27.5% | pts. | 25.4% | 25.2% | -0.1% | pts. | 24.8% | 25.4% | 0.6% | pts. | 24.9% | 0.0% | -24.9% | pts. | 25.6% | 0.0% | -25.6% | pts. |
| Net loss ratio (property/casualty) | 70.2% | 72.0% | 68.7% | 71.4% | 74.3% | 71.3% | 71.5% | 70.7% | 72.5% | 0.0% | 0.0% | 2.0% | 1.1% | -74.3% | -71.3% | pts. | 68.7% | 70.7% | 2.0% | pts. | 70.1% | 71.6% | 1.5% | pts. | 71.5% | 0.0% | -71.5% | pts. | 71.5% | 0.0% | -71.5% | pts. |
| Net combined ratio (property/casualty) | 98.3% | 98.9% | 94.1% | 95.7% | 99.5% | 98.9% | 97.1% | 95.9% | 98.0% | 0.0% | 0.0% | 1.8% | 2.3% | -99.5% | -98.9% | pts. | 94.1% | 95.9% | 1.8% | pts. | 94.9% | 97.0% | 2.1% | pts. | 96.5% | 0.0% | -96.5% | pts. | 97.1% | 0.0% | -97.1% | pts. |
| Net retuon investment | 3.5% | 3.3% | 4.0% | 3.4% | 3.2% | 3.2% | 3.5% | 2.8% | 1.8% | 3.2% | 3.2% | -1.2% | -1.7% | 0.0% | 0.0% | pts. | 4.0% | 2.8% | -1.2% | pts. | 3.7% | 2.3% | -1.4% | pts. | 3.2% | 3.5% | 0.3% | pts. | 3.5% | 3.5% | 0.0% | pts. |
| EBIT margin | 5.1% | 4.1% | 8.4% | 4.5% | 5.6% | 4.7% | 5.8% | 5.9% | 5.1% | 0.0% | 0.0% | -2.5% | 0.5% | -5.6% | -4.7% | pts. | 8.4% | 5.9% | -2.5% | pts. | 6.4% | 5.5% | -1.0% | pts. | 6.2% | 0.0% | -6.2% | pts. | 5.8% | 0.0% | -5.8% | pts. |
| Tax ratio | 29.7% | 21.8% | 29.5% | 28.1% | 40.2% | 14.9% | 28.6% | 34.2% | 26.3% | ERROR:#DIV/0! | ERROR:#DIV/0! | 4.7% | -1.9% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 29.5% | 34.2% | 4.7% | pts. | 29.0% | 30.4% | 1.4% | pts. | 32.4% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 28.6% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Industrial Lines P&L
| Consolidated statement of income by division/reportable segment | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| Industrial Lines | FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2021 | FY 2021 | FY 2022 | |||||||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 6,214 | 6,658 | 2,712 | 1,474 | 1,641 | 1,734 | 7,560 | 3,016 | 1,880 | 0 | 0 | 11.2% | 27.6% | -100.0% | -100.0% | 2,712 | 3,016 | 11.2% | 4,185 | 4,897 | 17.0% | 5,826 | 0 | -100.0% | 7,560 | 0 | -100.0% | |||||
| of which attributable to other divisions/segments | 57 | 62 | 18 | 8 | 12 | -11 | 27 | 22 | 13 | 0 | 0 | 24.4% | 69.9% | -100.0% | -100.0% | 18 | 22 | 24.4% | 25 | 35 | 38.0% | 38 | 0 | -100.0% | 27 | 0 | -100.0% | |||||
| of which attributable to third parties | 6,157 | 6,596 | 2,694 | 1,466 | 1,628 | 1,745 | 7,534 | 2,994 | 1,867 | 0 | 0 | 11.2% | 27.3% | -100.0% | -100.0% | 2,694 | 2,994 | 11.2% | 4,160 | 4,862 | 16.9% | 5,789 | 0 | -100.0% | 7,534 | 0 | -100.0% | |||||
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0.0% | 0 | 0 | 0.0% | 0 | 0 | 0.0% | 0 | 0 | 0.0% | |||||
| 3. Ceded written premiums | 3,094 | 3,470 | 1,289 | 800 | 920 | 911 | 3,920 | 1,221 | 908 | 0 | 0 | -5.3% | 13.4% | -100.0% | -100.0% | 1,289 | 1,221 | -5.3% | 2,090 | 2,129 | 1.9% | 3,009 | 0 | -100.0% | 3,920 | 0 | -100.0% | |||||
| 4. Change in gross unearned premiums | -278 | -404 | -1,132 | 292 | 201 | 259 | -380 | -1,159 | 146 | 0 | 0 | 2.3% | -50.2% | -100.0% | -100.0% | -1,132 | -1,159 | 2.3% | -840 | -1,013 | 20.6% | -639 | 0 | -100.0% | -380 | 0 | -100.0% | |||||
| 5. Change in ceded unearned premiums | -126 | -223 | -505 | 107 | 82 | 148 | -168 | -330 | 79 | 0 | 0 | -34.6% | -26.6% | -100.0% | -100.0% | -505 | -330 | -34.6% | -398 | -252 | -36.8% | -317 | 0 | -100.0% | -168 | 0 | -100.0% | |||||
| Net premiums earned | 2,968 | 3,008 | 795 | 858 | 841 | 933 | 3,428 | 967 | 1,039 | 0 | 0 | 21.5% | 21.0% | -100.0% | -100.0% | 795 | 967 | 21.5% | 1,654 | 2,006 | 21.3% | 2,495 | 0 | -100.0% | 3,428 | 0 | -100.0% | |||||
| 6. Claims and claims expenses (gross) | 4,369 | 4,446 | 1,150 | 1,293 | 1,395 | 1,498 | 5,336 | 1,380 | 1,410 | 0 | 0 | 19.9% | 9.1% | -100.0% | -100.0% | 1,150 | 1,380 | 19.9% | 2,443 | 2,790 | 14.2% | 3,838 | 0 | -100.0% | 5,336 | 0 | -100.0% | |||||
| Reinsurers' share | 2,007 | 1,919 | 518 | 598 | 725 | 760 | 2,602 | 608 | 611 | 0 | 0 | 17.4% | 2.2% | -100.0% | -100.0% | 518 | 608 | 17.4% | 1,117 | 1,220 | 9.2% | 1,842 | 0 | -100.0% | 2,602 | 0 | -100.0% | |||||
| Claims and claims expenses (net) | 2,362 | 2,527 | 632 | 694 | 670 | 738 | 2,734 | 771 | 799 | 0 | 0 | 22.0% | 15.0% | -100.0% | -100.0% | 632 | 771 | 22.0% | 1,326 | 1,570 | 18.4% | 1,996 | 0 | -100.0% | 2,734 | 0 | -100.0% | |||||
| 7. Acquisition costs and administrative expenses (gross) | 1,276 | 1,335 | 332 | 327 | 324 | 407 | 1,390 | 375 | 377 | 0 | 0 | 12.9% | 15.4% | -100.0% | -100.0% | 332 | 375 | 12.9% | 659 | 752 | 14.2% | 983 | 0 | -100.0% | 1,390 | 0 | -100.0% | |||||
| Reinsurers' share | 641 | 726 | 198 | 181 | 172 | 232 | 783 | 212 | 184 | 0 | 0 | 7.1% | 2.0% | -100.0% | -100.0% | 198 | 212 | 7.1% | 378 | 396 | 4.7% | 551 | 0 | -100.0% | 783 | 0 | -100.0% | |||||
| Acquisition costs and administrative expenses (net) | 635 | 609 | 134 | 146 | 152 | 175 | 608 | 163 | 193 | 0 | 0 | 21.4% | 32.1% | -100.0% | -100.0% | 134 | 163 | 21.4% | 280 | 356 | 27.0% | 432 | 0 | -100.0% | 608 | 0 | -100.0% | |||||
| 8. Other technical income | 4 | 3 | 1 | 1 | 2 | 1 | 5 | 0 | 2 | 0 | 0 | -51.7% | 100.3% | -100.0% | -100.0% | 1 | 0 | -51.7% | 2 | 3 | 32.0% | 4 | 0 | -100.0% | 5 | 0 | -100.0% | |||||
| Other technical expenses | 15 | 14 | 20 | 2 | 13 | 11 | 46 | 5 | 8 | 0 | 0 | -75.9% | 252.7% | -100.0% | -100.0% | 20 | 5 | -75.9% | 22 | 13 | -41.6% | 35 | 0 | -100.0% | 46 | 0 | -100.0% | |||||
| Other technical result | -11 | -11 | -19 | -1 | -11 | -10 | -41 | -4 | -6 | 0 | 0 | -77.1% | 404.6% | -100.0% | -100.0% | -19 | -4 | -77.1% | -20 | -10 | -49.3% | -31 | 0 | -100.0% | -41 | 0 | -100.0% | |||||
| Net technical result | -40 | -139 | 11 | 17 | 8 | 11 | 46 | 28 | 41 | 0 | 0 | 166.7% | 146.6% | -100.0% | -100.0% | 11 | 28 | 166.7% | 27 | 70 | 154.4% | 35 | 0 | -100.0% | 46 | 0 | -100.0% | |||||
| 9a. Investment income | 424 | 424 | 103 | 93 | 100 | 100 | 396 | 76 | 90 | 0 | 0 | -25.9% | -2.9% | -100.0% | -100.0% | 103 | 76 | -25.9% | 196 | 166 | -15.0% | 295 | 0 | -100.0% | 396 | 0 | -100.0% | |||||
| 9b. Investment expenses | 138 | 173 | 26 | 29 | 21 | 21 | 96 | 20 | 29 | 0 | 0 | -20.5% | -1.7% | -100.0% | -100.0% | 26 | 20 | -20.5% | 55 | 49 | -10.5% | 75 | 0 | -100.0% | 96 | 0 | -100.0% | |||||
| Net income from assets under own management | 286 | 252 | 77 | 64 | 79 | 80 | 300 | 56 | 61 | 0 | 0 | -27.7% | -3.4% | -100.0% | -100.0% | 77 | 56 | -27.7% | 141 | 117 | -16.7% | 220 | 0 | -100.0% | 300 | 0 | -100.0% | |||||
| Net income from investment contracts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0.0% | 0 | 0 | 0.0% | 0 | 0 | 0.0% | 0 | 0 | 0.0% | |||||
| Net interest income from funds withheld and contract deposits | -1 | 2 | -0 | -0 | -0 | -0 | -0 | 0 | 1 | 0 | 0 | -238.4% | -2327.3% | -100.0% | -100.0% | -0 | 0 | -238.4% | -0 | 1 | -1290.6% | -0 | 0 | -100.0% | -0 | 0 | -100.0% | |||||
| Net investment income | 285 | 254 | 77 | 64 | 79 | 80 | 300 | 56 | 63 | 0 | 0 | -27.5% | -1.4% | -100.0% | -100.0% | 77 | 56 | -27.5% | 141 | 119 | -15.7% | 220 | 0 | -100.0% | 300 | 0 | -100.0% | |||||
| of which share of profit or loss of equity-accounted associates and joint ventures | 11 | 20 | 5 | 3 | 6 | 5 | 19 | 3 | 5 | 0 | 0 | -43.2% | 54.8% | -100.0% | -100.0% | 5 | 3 | -43.2% | 9 | 8 | -6.9% | 14 | 0 | -100.0% | 19 | 0 | -100.0% | |||||
| 10a. Other income | 137 | 164 | 142 | 34 | -23 | 37 | 191 | 135 | 48 | 0 | 0 | -4.5% | 39.4% | -100.0% | -100.0% | 142 | 135 | -4.5% | 176 | 183 | 4.1% | 154 | 0 | -100.0% | 191 | 0 | -100.0% | |||||
| 10b. Other expenses | 223 | 230 | 179 | 68 | 11 | 82 | 340 | 173 | 97 | 0 | 0 | -3.2% | 41.4% | -100.0% | -100.0% | 179 | 173 | -3.2% | 247 | 270 | 9.1% | 258 | 0 | -100.0% | 340 | 0 | -100.0% | |||||
| Other income/expenses | -86 | -66 | -37 | -34 | -33 | -45 | -149 | -38 | -49 | 0 | 0 | 1.7% | 43.5% | -100.0% | -100.0% | -37 | -38 | 1.7% | -71 | -87 | 21.6% | -104 | 0 | -100.0% | -149 | 0 | -100.0% | |||||
| Profit before goodwill impairments | 159 | 48 | 51 | 46 | 54 | 46 | 196 | 46 | 55 | 0 | 0 | -8.2% | 19.1% | -100.0% | -100.0% | 51 | 46 | -8.2% | 97 | 102 | 4.8% | 151 | 0 | -100.0% | 196 | 0 | -100.0% | |||||
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0.0% | 0 | 0 | 0.0% | 0 | 0 | 0.0% | 0 | 0 | 0.0% | |||||
| Operating profit/loss (EBIT) | 159 | 48 | 51 | 46 | 54 | 46 | 196 | 46 | 55 | 0 | 0 | -8.2% | 19.1% | -100.0% | -100.0% | 51 | 46 | -8.2% | 97 | 102 | 4.8% | 151 | 0 | -100.0% | 196 | 0 | -100.0% | |||||
| Financing costs | 12 | 12 | 3 | 3 | 3 | 2 | 11 | 2 | 3 | 0 | 0 | -29.8% | -9.0% | -100.0% | -100.0% | 3 | 2 | -29.8% | 6 | 5 | -19.3% | 9 | 0 | -100.0% | 11 | 0 | -100.0% | |||||
| Taxes on income | 44 | -15 | 8 | 12 | 16 | 2 | 38 | 13 | 12 | 0 | 0 | 65.5% | -2.6% | -100.0% | -100.0% | 8 | 13 | 65.5% | 20 | 25 | 24.4% | 37 | 0 | -100.0% | 38 | 0 | -100.0% | |||||
| Net income | 104 | 52 | 39 | 31 | 35 | 42 | 148 | 31 | 40 | 0 | 0 | -21.5% | 30.6% | -100.0% | -100.0% | 39 | 31 | -21.5% | 70 | 71 | 1.4% | 105 | 0 | -100.0% | 148 | 0 | -100.0% | |||||
| attributable to non-controlling interests | 1 | 5 | 0 | 2 | 3 | -0 | 4 | 0 | 0 | 0 | 0 | -33.8% | -100.0% | -100.0% | -100.0% | 0 | 0 | -33.8% | 2 | 0 | -84.7% | 5 | 0 | -100.0% | 4 | 0 | -100.0% | |||||
| attributable to shareholders of |
103 | 47 | 39 | 29 | 32 | 42 | 143 | 31 | 40 | 0 | 0 | -21.3% | 37.5% | -100.0% | -100.0% | 39 | 31 | -21.3% | 68 | 71 | 3.9% | 101 | 0 | -100.0% | 143 | 0 | -100.0% | |||||
| Retention ratio | 50.2% | 47.9% | 52.5% | 45.7% | 44.0% | 47.4% | 48.1% | 59.5% | 51.7% | 0.0% | 0.0% | 7.1% | 6.0% | -44.0% | -47.4% | pts. | 52.5% | 59.5% | 7.1% | pts. | 50.1% | 56.5% | 6.4% | pts. | 48.4% | 0.0% | -48.4% | pts. | 48.1% | 0.0% | -48.1% | pts. |
| Net expense ratio (property/casualty) | 21.4% | 20.2% | 16.9% | 17.0% | 18.1% | 18.8% | 17.7% | 16.9% | 18.6% | 0.0% | 0.0% | -0.0% | 1.6% | -18.1% | -18.8% | pts. | 16.9% | 16.9% | -0.0% | pts. | 17.0% | 17.8% | 0.8% | pts. | 17.3% | 0.0% | -17.3% | pts. | 17.7% | 0.0% | -17.7% | pts. |
| Net loss ratio (property/casualty) | 79.9% | 84.4% | 81.8% | 81.0% | 81.0% | 80.1% | 80.9% | 80.2% | 77.4% | 0.0% | 0.0% | -1.6% | -3.6% | -81.0% | -80.1% | pts. | 81.8% | 80.2% | -1.6% | pts. | 81.4% | 78.8% | -2.6% | pts. | 81.3% | 0.0% | -81.3% | pts. | 80.9% | 0.0% | -80.9% | pts. |
| Net combined ratio (property/casualty) | 101.4% | 104.6% | 98.7% | 98.1% | 99.1% | 98.9% | 98.7% | 97.1% | 95.9% | 0.0% | 0.0% | -1.6% | -2.1% | -99.1% | -98.9% | pts. | 98.7% | 97.1% | -1.6% | pts. | 98.4% | 96.5% | -1.9% | pts. | 98.6% | 0.0% | -98.6% | pts. | 98.7% | 0.0% | -98.7% | pts. |
| Net retuon investment | 3.3% | 2.6% | 3.1% | 2.4% | 2.9% | 2.9% | 2.9% | 2.0% | 2.2% | 2.9% | 2.9% | -1.1% | -0.2% | 0.0% | 0.0% | pts. | 3.1% | 2.0% | -1.1% | pts. | 2.7% | 2.1% | -0.6% | pts. | 2.4% | 2.8% | 0.4% | pts. | 2.9% | 2.9% | 0.0% | pts. |
| EBIT margin | 5.4% | 1.6% | 6.4% | 5.4% | 6.4% | 4.9% | 5.7% | 4.8% | 5.3% | 0.0% | 0.0% | -1.6% | -0.1% | -6.4% | -4.9% | pts. | 6.4% | 4.8% | -1.6% | pts. | 5.9% | 5.1% | -0.8% | pts. | 6.0% | 0.0% | -6.0% | pts. | 5.7% | 0.0% | -5.7% | pts. |
| Tax ratio | 29.8% | -41.2% | 16.9% | 28.4% | 31.9% | 3.7% | 20.6% | 30.1% | 22.8% | ERROR:#DIV/0! | ERROR:#DIV/0! | 13.1% | -5.6% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 16.9% | 30.1% | 13.1% | pts. | 22.4% | 26.1% | 3.8% | pts. | 25.8% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 20.6% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. |
| Retuon equity | 4.4% | 2.1% | 7.1% | 5.2% | 5.6% | 7.6% | 6.7% | 5.9% | 8.4% | 5.6% | 7.6% | -1.2% | 3.2% | 0.0% | 0.0% | pts. | 7.1% | 5.9% | -1.2% | pts. | 6.2% | 7.1% | 0.9% | pts. | 0.6% | 6.0% | 5.4% | pts. | 6.7% | 6.7% | 0.0% | pts. |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Retail Germany P&L
| Consolidated statement of income by division/reportable segment | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| Retail |
FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2021 | FY 2021 | FY 2022 | |||||||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 6,201 | 5,853 | 1,833 | 1,401 | 1,400 | 1,537 | 6,170 | 1,984 | 1,372 | 0 | 0 | 8.3% | -2.0% | -100.0% | -100.0% | 1,833 | 1,984 | 8.3% | 3,233 | 3,356 | 3.8% | 4,633 | 0 | -100.0% | 6,170 | 0 | -100.0% | |||||
| of which attributable to other divisions/segments | 58 | 62 | 12 | 22 | 19 | 18 | 72 | 13 | 21 | 0 | 0 | 4.0% | -7.5% | -100.0% | -100.0% | 12 | 13 | 4.0% | 35 | 34 | -3.4% | 54 | 0 | -100.0% | 72 | 0 | -100.0% | |||||
| of which attributable to third parties | 6,143 | 5,791 | 1,820 | 1,378 | 1,381 | 1,519 | 6,098 | 1,971 | 1,351 | 0 | 0 | 8.3% | -2.0% | -100.0% | -100.0% | 1,820 | 1,971 | 8.3% | 3,199 | 3,322 | 3.9% | 4,579 | 0 | -100.0% | 6,098 | 0 | -100.0% | |||||
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 830 | 820 | 199 | 227 | 223 | 252 | 901 | 218 | 226 | 0 | 0 | 9.8% | -0.5% | -100.0% | -100.0% | 199 | 218 | 9.8% | 425 | 444 | 4.3% | 648 | 0 | -100.0% | 901 | 0 | -100.0% | |||||
| 3. Ceded written premiums | 310 | 389 | 123 | 128 | 100 | 90 | 441 | 117 | 80 | 0 | 0 | -5.1% | -37.4% | -100.0% | -100.0% | 123 | 117 | -5.1% | 251 | 197 | -21.5% | 351 | 0 | -100.0% | 441 | 0 | -100.0% | |||||
| 4. Change in gross unearned premiums | -78 | 50 | -397 | 138 | 109 | 143 | -6 | -475 | 149 | 0 | 0 | 19.7% | 7.4% | -100.0% | -100.0% | -397 | -475 | 19.7% | -259 | -327 | 26.3% | -150 | 0 | -100.0% | -6 | 0 | -100.0% | |||||
| 5. Change in ceded unearned premiums | 3 | 8 | -39 | -15 | 43 | 10 | -1 | -27 | 8 | 0 | 0 | -30.8% | -154.0% | -100.0% | -100.0% | -39 | -27 | -30.8% | -54 | -19 | -65.2% | -11 | 0 | -100.0% | -1 | 0 | -100.0% | |||||
| Net premiums earned | 4,979 | 4,685 | 1,153 | 1,199 | 1,144 | 1,328 | 4,823 | 1,200 | 1,207 | 0 | 0 | 4.2% | 0.6% | -100.0% | -100.0% | 1,153 | 1,200 | 4.2% | 2,352 | 2,407 | 2.4% | 3,495 | 0 | -100.0% | 4,823 | 0 | -100.0% | |||||
| 6. Claims and claims expenses (gross) | 5,328 | 5,018 | 1,380 | 1,516 | 1,608 | 1,358 | 5,862 | 1,279 | 1,099 | 0 | 0 | -7.3% | -27.5% | -100.0% | -100.0% | 1,380 | 1,279 | -7.3% | 2,896 | 2,378 | -17.9% | 4,504 | 0 | -100.0% | 5,862 | 0 | -100.0% | |||||
| Reinsurers' share | 84 | 178 | 25 | 42 | 191 | 78 | 336 | 34 | 48 | 0 | 0 | 34.7% | 14.1% | -100.0% | -100.0% | 25 | 34 | 34.7% | 67 | 81 | 21.8% | 258 | 0 | -100.0% | 336 | 0 | -100.0% | |||||
| Claims and claims expenses (net) | 5,243 | 4,840 | 1,355 | 1,474 | 1,417 | 1,280 | 5,526 | 1,245 | 1,051 | 0 | 0 | -8.1% | -28.7% | -100.0% | -100.0% | 1,355 | 1,245 | -8.1% | 2,829 | 2,297 | -18.8% | 4,246 | 0 | -100.0% | 5,526 | 0 | -100.0% | |||||
| 7. Acquisition costs and administrative expenses (gross) | 1,488 | 1,772 | 329 | 232 | 239 | 458 | 1,259 | 337 | 282 | 0 | 0 | 2.4% | 21.4% | -100.0% | -100.0% | 329 | 337 | 2.4% | 561 | 619 | 10.3% | 801 | 0 | -100.0% | 1,259 | 0 | -100.0% | |||||
| Reinsurers' share | 169 | 205 | 44 | 44 | 79 | 36 | 204 | 49 | 21 | 0 | 0 | 12.1% | -53.4% | -100.0% | -100.0% | 44 | 49 | 12.1% | 88 | 70 | -20.7% | 168 | 0 | -100.0% | 204 | 0 | -100.0% | |||||
| Acquisition costs and administrative expenses (net) | 1,318 | 1,566 | 285 | 188 | 160 | 421 | 1,055 | 288 | 261 | 0 | 0 | 0.9% | 39.1% | -100.0% | -100.0% | 285 | 288 | 0.9% | 473 | 549 | 16.1% | 633 | 0 | -100.0% | 1,055 | 0 | -100.0% | |||||
| 8. Other technical income | 17 | 28 | 8 | 1 | 3 | 3 | 14 | 8 | -0 | 0 | 0 | -1.3% | -148.3% | -100.0% | -100.0% | 8 | 8 | -1.3% | 9 | 7 | -18.4% | 11 | 0 | -100.0% | 14 | 0 | -100.0% | |||||
| Other technical expenses | 20 | 37 | 9 | 33 | -26 | 2 | 17 | 2 | -2 | 0 | 0 | -79.5% | -107.5% | -100.0% | -100.0% | 9 | 2 | -79.5% | 42 | -1 | -101.4% | 15 | 0 | -100.0% | 17 | 0 | -100.0% | |||||
| Other technical result | -4 | -9 | -1 | -32 | 29 | 1 | -3 | 6 | 2 | 0 | 0 | -484.4% | -106.2% | -100.0% | -100.0% | -1 | 6 | -484.4% | -33 | 8 | -122.9% | -4 | 0 | -100.0% | -3 | 0 | -100.0% | |||||
| Net technical result | -1,586 | -1,730 | -489 | -495 | -404 | -373 | -1,761 | -327 | -104 | 0 | 0 | -33.1% | -79.0% | -100.0% | -100.0% | -489 | -327 | -33.1% | -984 | -431 | -56.2% | -1,388 | 0 | -100.0% | -1,761 | 0 | -100.0% | |||||
| 9a. Investment income | 2,227 | 2,482 | 711 | 607 | 553 | 580 | 2,452 | 583 | 433 | 0 | 0 | -18.1% | -28.7% | -100.0% | -100.0% | 711 | 583 | -18.1% | 1,319 | 1,016 | -23.0% | 1,872 | 0 | -100.0% | 2,452 | 0 | -100.0% | |||||
| 9b. Investment expenses | 310 | 478 | 71 | 75 | 67 | 96 | 309 | 177 | 249 | 0 | 0 | 149.3% | 230.9% | -100.0% | -100.0% | 71 | 177 | 149.3% | 146 | 426 | 191.4% | 213 | 0 | -100.0% | 309 | 0 | -100.0% | |||||
| Net income from assets under own management | 1,917 | 2,004 | 641 | 532 | 486 | 484 | 2,143 | 406 | 184 | 0 | 0 | -36.6% | -65.4% | -100.0% | -100.0% | 641 | 406 | -36.6% | 1,173 | 590 | -49.7% | 1,659 | 0 | -100.0% | 2,143 | 0 | -100.0% | |||||
| Net income from investment contracts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Net interest income from funds withheld and contract deposits | -12 | -13 | -3 | -3 | -3 | -3 | -12 | -3 | -3 | 0 | 0 | -7.1% | 3.1% | -100.0% | -100.0% | -3 | -3 | -7.1% | -6 | -6 | -2.2% | -9 | 0 | -100.0% | -12 | 0 | -100.0% | |||||
| Net investment income | 1,905 | 1,992 | 638 | 529 | 483 | 481 | 2,131 | 403 | 181 | 0 | 0 | -36.7% | -65.8% | -100.0% | -100.0% | 638 | 403 | -36.7% | 1,167 | 585 | -49.9% | 1,650 | 0 | -100.0% | 2,131 | 0 | -100.0% | |||||
| of which share of profit or loss of equity-accounted associates and joint ventures | -0 | -0 | 0 | 5 | 1 | -0 | 6 | 0 | 1 | 0 | 0 | 1346.1% | -89.1% | -100.0% | -100.0% | 0 | 0 | 1346.1% | 5 | 1 | -85.9% | 7 | 0 | -100.0% | 6 | 0 | -100.0% | |||||
| 10a. Other income | 237 | 261 | 66 | 42 | 66 | 73 | 247 | 49 | 62 | 0 | 0 | -26.1% | 46.7% | -100.0% | -100.0% | 66 | 49 | -26.1% | 109 | 111 | 2.2% | 174 | 0 | -100.0% | 247 | 0 | -100.0% | |||||
| 10b. Other expenses | 326 | 319 | 78 | 56 | 68 | 129 | 331 | 50 | 84 | 0 | 0 | -36.1% | 48.2% | -100.0% | -100.0% | 78 | 50 | -36.1% | 134 | 133 | -0.7% | 202 | 0 | -100.0% | 331 | 0 | -100.0% | |||||
| Other income/expenses | -89 | -59 | -11 | -14 | -3 | -56 | -84 | -1 | -22 | 0 | 0 | -95.3% | 52.8% | -100.0% | -100.0% | -11 | -1 | -95.3% | -25 | -22 | -13.2% | -28 | 0 | -100.0% | -84 | 0 | -100.0% | |||||
| Profit before goodwill impairments | 230 | 203 | 137 | 21 | 76 | 53 | 286 | 76 | 56 | 0 | 0 | -44.7% | 169.4% | -100.0% | -100.0% | 137 | 76 | -44.7% | 157 | 132 | -16.4% | 234 | 0 | -100.0% | 286 | 0 | -100.0% | |||||
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Operating profit/loss (EBIT) | 230 | 203 | 137 | 21 | 76 | 53 | 286 | 76 | 56 | 0 | 0 | -44.7% | 169.4% | -100.0% | -100.0% | 137 | 76 | -44.7% | 157 | 132 | -16.4% | 234 | 0 | -100.0% | 286 | 0 | -100.0% | |||||
| Financing costs | 9 | 9 | 2 | 2 | 2 | 2 | 9 | 2 | 2 | 0 | 0 | -34.1% | -34.2% | -100.0% | -100.0% | 2 | 2 | -34.1% | 5 | 3 | -34.2% | 7 | 0 | -100.0% | 9 | 0 | -100.0% | |||||
| Taxes on income | 80 | 64 | 47 | 5 | 42 | 17 | 111 | 29 | 20 | 0 | 0 | -37.8% | 324.8% | -100.0% | -100.0% | 47 | 29 | -37.8% | 52 | 49 | -4.4% | 94 | 0 | -100.0% | 111 | 0 | -100.0% | |||||
| Net income | 140 | 130 | 87 | 14 | 32 | 33 | 166 | 45 | 34 | 0 | 0 | -48.7% | 150.3% | -100.0% | -100.0% | 87 | 45 | -48.7% | 101 | 79 | -21.8% | 133 | 0 | -100.0% | 166 | 0 | -100.0% | |||||
| attributable to non-controlling interests | 7 | 11 | 3 | 1 | -2 | 3 | 6 | 2 | 2 | 0 | 0 | -21.9% | 108.4% | -100.0% | -100.0% | 3 | 2 | -21.9% | 4 | 4 | 6.9% | 2 | 0 | -100.0% | 6 | 0 | -100.0% | |||||
| attributable to shareholders of |
133 | 119 | 84 | 13 | 34 | 30 | 161 | 42 | 32 | 0 | 0 | -49.7% | 153.3% | -100.0% | -100.0% | 84 | 42 | -49.7% | 97 | 75 | -23.0% | 131 | 0 | -100.0% | 161 | 0 | -100.0% | |||||
| Retention ratio | 94.2% | 92.3% | 92.5% | 89.1% | 91.5% | 93.0% | 91.6% | 93.4% | 93.0% | 0.0% | 0.0% | 0.9% | 3.9% | -91.5% | -93.0% | pts. | 92.5% | 93.4% | 0.9% | pts. | 91.1% | 93.2% | 2.2% | pts. | 91.2% | 0.0% | -91.2% | pts. | 91.6% | 0.0% | -91.6% | pts. |
| Net expense ratio (property/casualty) | 38.0% | 33.4% | 34.6% | 27.7% | 27.7% | 44.2% | 33.9% | 34.5% | 31.8% | 0.0% | 0.0% | -0.2% | 4.1% | -27.7% | -44.2% | pts. | 34.6% | 34.5% | -0.2% | pts. | 31.3% | 33.1% | 1.8% | pts. | 30.2% | 0.0% | -30.2% | pts. | 33.9% | 0.0% | -33.9% | pts. |
| Net loss ratio (property/casualty) | 61.0% | 61.9% | 49.6% | 72.0% | 80.3% | 61.4% | 65.2% | 63.4% | 69.1% | 0.0% | 0.0% | 13.8% | -2.8% | -80.3% | -61.4% | pts. | 49.6% | 63.4% | 13.8% | pts. | 60.3% | 66.3% | 6.0% | pts. | 66.7% | 0.0% | -66.7% | pts. | 65.2% | 0.0% | -65.2% | pts. |
| Net combined ratio (property/casualty) | 99.0% | 95.4% | 84.2% | 99.7% | 108.0% | 105.7% | 99.2% | 97.8% | 101.0% | 0.0% | 0.0% | 13.6% | 1.3% | -108.0% | -105.7% | pts. | 84.2% | 97.8% | 13.6% | pts. | 91.7% | 99.5% | 7.8% | pts. | 96.8% | 0.0% | -96.8% | pts. | 99.2% | 0.0% | -99.2% | pts. |
| Net retuon investment | 3.6% | 3.6% | 4.5% | 3.8% | 3.4% | 3.4% | 3.7% | 2.9% | 1.4% | 3.4% | 3.4% | -1.5% | -2.4% | 0.0% | 0.0% | pts. | 4.5% | 2.9% | -1.5% | pts. | 4.1% | 2.2% | -1.9% | pts. | 3.5% | 3.9% | 0.4% | pts. | 3.7% | 3.7% | 0.0% | pts. |
| EBIT margin | 4.6% | 4.3% | 11.9% | 1.7% | 6.7% | 4.0% | 5.9% | 6.3% | 4.6% | 0.0% | 0.0% | -5.6% | 2.9% | -6.7% | -4.0% | pts. | 11.9% | 6.3% | -5.6% | pts. | 6.7% | 5.5% | -1.2% | pts. | 6.7% | 0.0% | -6.7% | pts. | 5.9% | 0.0% | -5.9% | pts. |
| Tax ratio | 36.5% | 33.1% | 35.0% | 25.8% | 56.9% | 34.0% | 40.1% | 39.5% | 37.1% | ERROR:#DIV/0! | ERROR:#DIV/0! | 4.5% | 11.3% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 35.0% | 39.5% | 4.5% | pts. | 33.9% | 38.5% | 4.6% | pts. | 41.4% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 40.1% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. |
| Retuon equity | 5.5% | 4.6% | 12.5% | 1.9% | 5.0% | 4.5% | 6.1% | 6.9% | 5.9% | 5.0% | 4.5% | -5.6% | 4.0% | 0.0% | 0.0% | pts. | 12.5% | 6.9% | -5.6% | pts. | 7.2% | 6.5% | -0.8% | pts. | 5.3% | 6.4% | 1.1% | pts. | 6.1% | 6.1% | 0.0% | pts. |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Retail Germany PC P&L
| Consolidated statement of income by division/reportable segment | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| Retail |
FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | |||||||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 1,588 | 1,502 | 781 | 251 | 276 | 266 | 1,574 | 873 | 268 | 0 | 0 | 11.8% | 6.9% | -100.0% | -100.0% | 781 | 873 | 11.8% | 1,031 | 1,141 | 10.6% | 1,308 | 0 | -100.0% | 1,574 | 0 | -100.0% | |||||
| of which attributable to other divisions/segments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| of which attributable to third parties | 1,588 | 1,502 | 781 | 251 | 276 | 266 | 1,574 | 873 | 268 | 0 | 0 | 11.8% | 6.9% | -100.0% | -100.0% | 781 | 873 | 11.8% | 1,031 | 1,141 | 10.6% | 1,308 | 0 | -100.0% | 1,574 | 0 | -100.0% | |||||
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| 3. Ceded written premiums | 80 | 176 | 69 | 74 | 45 | 37 | 224 | 62 | 29 | 0 | 0 | -9.2% | -61.0% | -100.0% | -100.0% | 69 | 62 | -9.2% | 142 | 91 | -36.0% | 187 | 0 | -100.0% | 224 | 0 | -100.0% | |||||
| 4. Change in gross unearned premiums | -22 | 11 | -405 | 127 | 118 | 135 | -25 | -460 | 165 | 0 | 0 | 13.5% | 29.2% | -100.0% | -100.0% | -405 | -460 | 13.5% | -278 | -295 | 6.3% | -160 | 0 | -100.0% | -25 | 0 | -100.0% | |||||
| 5. Change in ceded unearned premiums | -0 | 4 | -39 | -16 | 42 | 9 | -5 | -28 | 7 | 0 | 0 | -29.2% | -144.6% | -100.0% | -100.0% | -39 | -28 | -29.2% | -55 | -21 | -62.6% | -14 | 0 | -100.0% | -5 | 0 | -100.0% | |||||
| Net premiums earned | 1,486 | 1,334 | 346 | 321 | 308 | 355 | 1,329 | 378 | 397 | 0 | 0 | 9.4% | 23.8% | -100.0% | -100.0% | 346 | 378 | 9.4% | 666 | 775 | 16.3% | 974 | 0 | -100.0% | 1,329 | 0 | -100.0% | |||||
| 6. Claims and claims expenses (gross) | 922 | 908 | 174 | 237 | 412 | 260 | 1,083 | 249 | 282 | 0 | 0 | 43.1% | 18.8% | -100.0% | -100.0% | 174 | 249 | 43.1% | 412 | 531 | 29.1% | 823 | 0 | -100.0% | 1,083 | 0 | -100.0% | |||||
| Reinsurers' share | 20 | 88 | 7 | 8 | 166 | 44 | 224 | 14 | 9 | 0 | 0 | 116.7% | 17.0% | -100.0% | -100.0% | 7 | 14 | 116.7% | 15 | 24 | 62.6% | 180 | 0 | -100.0% | 224 | 0 | -100.0% | |||||
| Claims and claims expenses (net) | 902 | 820 | 168 | 229 | 246 | 216 | 859 | 235 | 273 | 0 | 0 | 40.2% | 18.9% | -100.0% | -100.0% | 168 | 235 | 40.2% | 397 | 507 | 27.9% | 643 | 0 | -100.0% | 859 | 0 | -100.0% | |||||
| 7. Acquisition costs and administrative expenses (gross) | 590 | 559 | 132 | 131 | 141 | 178 | 582 | 149 | 143 | 0 | 0 | 12.6% | 9.6% | -100.0% | -100.0% | 132 | 149 | 12.6% | 263 | 292 | 11.1% | 404 | 0 | -100.0% | 582 | 0 | -100.0% | |||||
| Reinsurers' share | 25 | 114 | 12 | 42 | 56 | 21 | 132 | 18 | 17 | 0 | 0 | 49.7% | -59.8% | -100.0% | -100.0% | 12 | 18 | 49.7% | 54 | 35 | -35.1% | 110 | 0 | -100.0% | 132 | 0 | -100.0% | |||||
| Acquisition costs and administrative expenses (net) | 565 | 445 | 120 | 89 | 85 | 157 | 451 | 130 | 126 | 0 | 0 | 8.8% | 42.3% | -100.0% | -100.0% | 120 | 130 | 8.8% | 209 | 257 | 23.1% | 294 | 0 | -100.0% | 451 | 0 | -100.0% | |||||
| 8. Other technical income | 2 | 2 | 1 | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 0 | -71.5% | -80.3% | -100.0% | -100.0% | 1 | 0 | -71.5% | 1 | 0 | -75.4% | 1 | 0 | -100.0% | 2 | 0 | -100.0% | |||||
| Other technical expenses | 7 | 7 | 4 | 2 | 2 | 2 | 10 | 5 | 2 | 0 | 0 | 12.6% | 3.7% | -100.0% | -100.0% | 4 | 5 | 12.6% | 6 | 7 | 10.0% | 8 | 0 | -100.0% | 10 | 0 | -100.0% | |||||
| Other technical result | -5 | -6 | -4 | -1 | -1 | -2 | -8 | -5 | -2 | 0 | 0 | 25.3% | 32.2% | -100.0% | -100.0% | -4 | -5 | 25.3% | -5 | -7 | 27.1% | -7 | 0 | -100.0% | -8 | 0 | -100.0% | |||||
| Net technical result | 15 | 62 | 55 | 1 | -25 | -20 | 11 | 8 | -4 | 0 | 0 | -84.9% | -459.2% | -100.0% | -100.0% | 55 | 8 | -84.9% | 56 | 4 | -92.1% | 31 | 0 | -100.0% | 11 | 0 | -100.0% | |||||
| 9a. Investment income | 137 | 124 | 33 | 28 | 32 | 56 | 149 | 35 | 25 | 0 | 0 | 4.0% | -11.9% | -100.0% | -100.0% | 33 | 35 | 4.0% | 62 | 60 | -3.4% | 93 | 0 | -100.0% | 149 | 0 | -100.0% | |||||
| 9b. Investment expenses | 17 | 35 | 4 | 4 | 6 | 5 | 19 | 10 | 12 | 0 | 0 | 145.0% | 173.7% | -100.0% | -100.0% | 4 | 10 | 145.0% | 8 | 22 | 159.5% | 14 | 0 | -100.0% | 19 | 0 | -100.0% | |||||
| Net income from assets under own management | 119 | 89 | 29 | 24 | 26 | 51 | 130 | 24 | 13 | 0 | 0 | -16.3% | -44.8% | -100.0% | -100.0% | 29 | 24 | -16.3% | 53 | 38 | -29.2% | 79 | 0 | -100.0% | 130 | 0 | -100.0% | |||||
| Net income from investment contracts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Net interest income from funds withheld and contract deposits | -1 | -1 | -0 | -0 | -0 | -0 | -1 | -0 | -0 | 0 | 0 | 38.5% | 41.6% | -100.0% | -100.0% | -0 | -0 | 38.5% | -0 | -0 | 40.0% | -0 | 0 | -100.0% | -1 | 0 | -100.0% | |||||
| Net investment income | 119 | 88 | 29 | 24 | 26 | 50 | 129 | 24 | 13 | 0 | 0 | -16.4% | -45.1% | -100.0% | -100.0% | 29 | 24 | -16.4% | 53 | 37 | -29.4% | 79 | 0 | -100.0% | 129 | 0 | -100.0% | |||||
| of which share of profit or loss of equity-accounted associates and joint ventures | 0 | -0 | 0 | 0 | 0 | -0 | 0 | -0 | 0 | 0 | 0 | -731.2% | -57.7% | -100.0% | -100.0% | 0 | -0 | -731.2% | 0 | 0 | -73.8% | 0 | 0 | -100.0% | 0 | 0 | -100.0% | |||||
| 10a. Other income | 53 | 70 | 17 | 12 | 15 | 11 | 55 | 6 | 5 | 0 | 0 | -63.9% | -53.0% | -100.0% | -100.0% | 17 | 6 | -63.9% | 29 | 12 | -59.5% | 44 | 0 | -100.0% | 55 | 0 | -100.0% | |||||
| 10b. Other expenses | 89 | 87 | 20 | 16 | 19 | 37 | 92 | 8 | 13 | 0 | 0 | -61.6% | -20.1% | -100.0% | -100.0% | 20 | 8 | -61.6% | 36 | 20 | -43.3% | 55 | 0 | -100.0% | 92 | 0 | -100.0% | |||||
| Other income/expenses | -36 | -17 | -3 | -4 | -4 | -26 | -37 | -2 | -7 | 0 | 0 | -48.6% | 71.9% | -100.0% | -100.0% | -3 | -2 | -48.6% | -7 | -9 | 21.7% | -11 | 0 | -100.0% | -37 | 0 | -100.0% | |||||
| Profit before goodwill impairments | 98 | 134 | 81 | 21 | -3 | 5 | 104 | 31 | 2 | 0 | 0 | -61.7% | -89.5% | -100.0% | -100.0% | 81 | 31 | -61.7% | 102 | 33 | -67.4% | 99 | 0 | -100.0% | 104 | 0 | -100.0% | |||||
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Operating profit/loss (EBIT) | 98 | 134 | 81 | 21 | -3 | 5 | 104 | 31 | 2 | 0 | 0 | -61.7% | -89.5% | -100.0% | -100.0% | 81 | 31 | -61.7% | 102 | 33 | -67.4% | 99 | 0 | -100.0% | 104 | 0 | -100.0% | |||||
| Retention ratio | 95.0% | 88.3% | 91.2% | 70.6% | 83.7% | 86.2% | 85.8% | 92.9% | 89.3% | 0.0% | 0.0% | 1.7% | 18.6% | -83.7% | -86.2% | pts. | 91.2% | 92.9% | 1.7% | pts. | 86.2% | 92.0% | 5.8% | pts. | 85.7% | 0.0% | -85.7% | pts. | 85.8% | 0.0% | -85.8% | pts. |
| Net expense ratio (property/casualty) | 38.0% | 33.4% | 34.6% | 27.7% | 27.7% | 44.2% | 33.9% | 34.5% | 31.8% | 0.0% | 0.0% | -0.2% | 4.1% | -27.7% | -44.2% | pts. | 34.6% | 34.5% | -0.2% | pts. | 31.3% | 33.1% | 1.8% | pts. | 30.2% | 0.0% | -30.2% | pts. | 33.9% | 0.0% | -33.9% | pts. |
| Net loss ratio (property/casualty) | 61.0% | 61.9% | 49.6% | 72.0% | 80.3% | 61.4% | 65.2% | 63.4% | 69.1% | 0.0% | 0.0% | 13.8% | -2.8% | -80.3% | -61.4% | pts. | 49.6% | 63.4% | 13.8% | pts. | 60.3% | 66.3% | 6.0% | pts. | 66.7% | 0.0% | -66.7% | pts. | 65.2% | 0.0% | -65.2% | pts. |
| Net combined ratio (property/casualty) | 99.0% | 95.4% | 84.2% | 99.7% | 108.0% | 105.7% | 99.2% | 97.8% | 101.0% | 0.0% | 0.0% | 13.6% | 1.3% | -108.0% | -105.7% | pts. | 84.2% | 97.8% | 13.6% | pts. | 91.7% | 99.5% | 7.8% | pts. | 96.8% | 0.0% | -96.8% | pts. | 99.2% | 0.0% | -99.2% | pts. |
| Net retuon investment | 3.0% | 2.2% | 2.7% | 2.2% | 2.4% | 4.7% | 3.1% | 2.3% | 1.2% | 2.4% | 4.7% | -0.4% | -1.0% | 0.0% | 0.0% | pts. | 2.7% | 2.3% | -0.4% | pts. | 2.5% | 1.8% | -0.7% | pts. | 2.1% | 2.5% | 0.4% | pts. | 3.1% | 3.1% | 0.0% | pts. |
| EBIT margin | 6.6% | 10.0% | 23.3% | 6.5% | -1.0% | 1.4% | 7.8% | 8.2% | 0.6% | 0.0% | 0.0% | -15.1% | -6.0% | 1.0% | -1.4% | pts. | 23.3% | 8.2% | -15.1% | pts. | 15.2% | 4.3% | -11.0% | pts. | 10.1% | 0.0% | -10.1% | pts. | 7.8% | 0.0% | -7.8% | pts. |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Retail Germany Life P&L
| Consolidated statement of income by division/reportable segment | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| Retail |
FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | |||||||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 4,612 | 4,351 | 1,052 | 1,150 | 1,124 | 1,271 | 4,596 | 1,111 | 1,104 | 0 | 0 | 5.6% | -4.0% | -100.0% | -100.0% | 1,052 | 1,111 | 5.6% | 2,202 | 2,215 | 0.6% | 3,326 | 0 | -100.0% | 4,596 | 0 | -100.0% | |||||
| of which attributable to other divisions/segments | 58 | 62 | 12 | 22 | 19 | 18 | 72 | 13 | 21 | 0 | 0 | 4.0% | -7.5% | -100.0% | -100.0% | 12 | 13 | 4.0% | 35 | 34 | -3.4% | 54 | 0 | -100.0% | 72 | 0 | -100.0% | |||||
| of which attributable to third parties | 4,554 | 4,289 | 1,040 | 1,128 | 1,105 | 1,253 | 4,525 | 1,098 | 1,083 | 0 | 0 | 5.6% | -3.9% | -100.0% | -100.0% | 1,040 | 1,098 | 5.6% | 2,167 | 2,181 | 0.7% | 3,272 | 0 | -100.0% | 4,525 | 0 | -100.0% | |||||
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 830 | 820 | 199 | 227 | 223 | 252 | 901 | 218 | 226 | 0 | 0 | 9.8% | -0.5% | -100.0% | -100.0% | 199 | 218 | 9.8% | 425 | 444 | 4.3% | 648 | 0 | -100.0% | 901 | 0 | -100.0% | |||||
| 3. Ceded written premiums | 230 | 214 | 55 | 54 | 55 | 53 | 217 | 55 | 52 | 0 | 0 | 0.1% | -5.4% | -100.0% | -100.0% | 55 | 55 | 0.1% | 109 | 106 | -2.6% | 164 | 0 | -100.0% | 217 | 0 | -100.0% | |||||
| 4. Change in gross unearned premiums | -56 | 38 | 8 | 11 | -9 | 9 | 19 | -15 | -16 | 0 | 0 | -278.3% | -248.0% | -100.0% | -100.0% | 8 | -15 | -278.3% | 19 | -31 | -261.3% | 10 | 0 | -100.0% | 19 | 0 | -100.0% | |||||
| 5. Change in ceded unearned premiums | 3 | 3 | 1 | 1 | 1 | 1 | 4 | 1 | 1 | 0 | 0 | 60.9% | -10.6% | -100.0% | -100.0% | 1 | 1 | 60.9% | 2 | 2 | 18.2% | 3 | 0 | -100.0% | 4 | 0 | -100.0% | |||||
| Net premiums earned | 3,493 | 3,352 | 807 | 879 | 836 | 973 | 3,494 | 822 | 810 | 0 | 0 | 1.9% | -7.8% | -100.0% | -100.0% | 807 | 822 | 1.9% | 1,685 | 1,632 | -3.2% | 2,521 | 0 | -100.0% | 3,494 | 0 | -100.0% | |||||
| 6. Claims and claims expenses (gross) | 4,406 | 4,110 | 1,206 | 1,279 | 1,196 | 1,098 | 4,779 | 1,030 | 817 | 0 | 0 | -14.6% | -36.1% | -100.0% | -100.0% | 1,206 | 1,030 | -14.6% | 2,485 | 1,847 | -25.7% | 3,681 | 0 | -100.0% | 4,779 | 0 | -100.0% | |||||
| Reinsurers' share | 64 | 90 | 18 | 34 | 25 | 34 | 111 | 19 | 38 | 0 | 0 | 5.0% | 13.4% | -100.0% | -100.0% | 18 | 19 | 5.0% | 52 | 58 | 10.5% | 77 | 0 | -100.0% | 111 | 0 | -100.0% | |||||
| Claims and claims expenses (net) | 4,342 | 4,019 | 1,188 | 1,245 | 1,171 | 1,064 | 4,668 | 1,010 | 779 | 0 | 0 | -14.9% | -37.4% | -100.0% | -100.0% | 1,188 | 1,010 | -14.9% | 2,432 | 1,789 | -26.4% | 3,603 | 0 | -100.0% | 4,668 | 0 | -100.0% | |||||
| 7. Acquisition costs and administrative expenses (gross) | 898 | 1,212 | 197 | 101 | 98 | 280 | 677 | 189 | 138 | 0 | 0 | -4.4% | 36.6% | -100.0% | -100.0% | 197 | 189 | -4.4% | 299 | 327 | 9.5% | 397 | 0 | -100.0% | 677 | 0 | -100.0% | |||||
| Reinsurers' share | 144 | 91 | 32 | 3 | 23 | 15 | 73 | 31 | 4 | 0 | 0 | -2.3% | 54.5% | -100.0% | -100.0% | 32 | 31 | -2.3% | 34 | 35 | 1.8% | 58 | 0 | -100.0% | 73 | 0 | -100.0% | |||||
| Acquisition costs and administrative expenses (net) | -754 | -1,121 | -165 | -99 | -75 | -265 | -604 | -158 | -135 | 0 | 0 | -4.8% | 36.1% | -100.0% | -100.0% | -165 | -158 | -4.8% | -264 | -292 | 10.5% | -339 | 0 | -100.0% | -604 | 0 | -100.0% | |||||
| 8. Other technical income | 15 | 26 | 7 | 1 | 2 | 3 | 13 | 7 | -1 | 0 | 0 | 4.5% | -206.7% | -100.0% | -100.0% | 7 | 7 | 4.5% | 8 | 7 | -10.6% | 10 | 0 | -100.0% | 13 | 0 | -100.0% | |||||
| Other technical expenses | 14 | 30 | 5 | 31 | -28 | -0 | 7 | -3 | -4 | 0 | 0 | -166.5% | -114.1% | -100.0% | -100.0% | 5 | -3 | -166.5% | 36 | -7 | -120.9% | 8 | 0 | -100.0% | 7 | 0 | -100.0% | |||||
| Other technical result | 1 | -3 | 2 | -30 | 30 | 3 | 5 | 10 | 4 | 0 | 0 | 342.2% | -112.4% | -100.0% | -100.0% | 2 | 10 | 342.2% | -28 | 14 | -150.6% | 2 | 0 | -100.0% | 5 | 0 | -100.0% | |||||
| Net technical result | -1,602 | -1,792 | -544 | -496 | -380 | -353 | -1,772 | -336 | -100 | 0 | 0 | -38.3% | -79.9% | -100.0% | -100.0% | -544 | -336 | -38.3% | -1,040 | -435 | -58.1% | -1,419 | 0 | -100.0% | -1,772 | 0 | -100.0% | |||||
| 9a. Investment income | 2,091 | 2,358 | 678 | 579 | 522 | 524 | 2,303 | 548 | 408 | 0 | 0 | -19.1% | -29.5% | -100.0% | -100.0% | 678 | 548 | -19.1% | 1,257 | 957 | -23.9% | 1,779 | 0 | -100.0% | 2,303 | 0 | -100.0% | |||||
| 9b. Investment expenses | 293 | 443 | 67 | 71 | 61 | 91 | 290 | 166 | 237 | 0 | 0 | 149.6% | 234.3% | -100.0% | -100.0% | 67 | 166 | 149.6% | 138 | 404 | 193.3% | 199 | 0 | -100.0% | 290 | 0 | -100.0% | |||||
| Net income from assets under own management | 1,798 | 1,915 | 612 | 508 | 460 | 433 | 2,013 | 382 | 171 | 0 | 0 | -37.5% | -66.4% | -100.0% | -100.0% | 612 | 382 | -37.5% | 1,120 | 553 | -50.6% | 1,580 | 0 | -100.0% | 2,013 | 0 | -100.0% | |||||
| Net income from investment contracts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Net interest income from funds withheld and contract deposits | -11 | -12 | -3 | -3 | -3 | -3 | -11 | -3 | -3 | 0 | 0 | -8.4% | 2.0% | -100.0% | -100.0% | -3 | -3 | -8.4% | -6 | -5 | -3.5% | -8 | 0 | -100.0% | -11 | 0 | -100.0% | |||||
| Net investment income | 1,786 | 1,903 | 609 | 505 | 458 | 431 | 2,002 | 379 | 168 | 0 | 0 | -37.7% | -66.8% | -100.0% | -100.0% | 609 | 379 | -37.7% | 1,114 | 547 | -50.9% | 1,572 | 0 | -100.0% | 2,002 | 0 | -100.0% | |||||
| of which share of profit or loss of equity-accounted associates and joint ventures | -0 | -0 | 0 | 5 | 1 | -0 | 6 | 0 | 1 | 0 | 0 | 1676.8% | -89.5% | -100.0% | -100.0% | 0 | 0 | 1676.8% | 5 | 1 | -86.0% | 6 | 0 | -100.0% | 6 | 0 | -100.0% | |||||
| 10a. Other income | 184 | 191 | 49 | 31 | 50 | 62 | 192 | 43 | 57 | 0 | 0 | -13.0% | 84.6% | -100.0% | -100.0% | 49 | 43 | -13.0% | 80 | 99 | 24.3% | 130 | 0 | -100.0% | 192 | 0 | -100.0% | |||||
| 10b. Other expenses | 237 | 232 | 58 | 41 | 49 | 92 | 240 | 42 | 71 | 0 | 0 | -27.3% | 74.9% | -100.0% | -100.0% | 58 | 42 | -27.3% | 98 | 113 | 14.8% | 147 | 0 | -100.0% | 240 | 0 | -100.0% | |||||
| Other income/expenses | -53 | -41 | -8 | -10 | 1 | -30 | -47 | 1 | -14 | 0 | 0 | -111.8% | 44.8% | -100.0% | -100.0% | -8 | 1 | -111.8% | -18 | -13 | -26.9% | -17 | 0 | -100.0% | -47 | 0 | -100.0% | |||||
| Profit before goodwill impairments | 131 | 70 | 56 | -0 | 79 | 47 | 183 | 45 | 54 | 0 | 0 | -20.3% | 83.1% | -100.0% | -100.0% | 56 | 45 | -20.3% | 56 | 98 | 76.2% | 135 | 0 | -100.0% | 183 | 0 | -100.0% | |||||
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Operating profit/loss (EBIT) | 131 | 70 | 56 | -0 | 79 | 47 | 183 | 45 | 54 | 0 | 0 | -20.3% | 83.1% | -100.0% | -100.0% | 56 | 45 | -20.3% | 56 | 98 | 76.2% | 135 | 0 | -100.0% | 183 | 0 | -100.0% | |||||
| Retention ratio | 93.9% | 93.9% | 93.6% | 94.1% | 93.9% | 94.8% | 94.1% | 93.9% | 94.1% | 0.0% | 0.0% | 0.3% | 0.0% | -93.9% | -94.8% | pts. | 93.6% | 93.9% | 0.3% | pts. | 93.9% | 94.0% | 0.1% | pts. | 93.9% | 0.0% | -93.9% | pts. | 94.1% | 0.0% | -94.1% | pts. |
| Net retuon investment | 3.7% | 3.7% | 4.6% | 3.9% | 3.5% | 3.3% | 3.8% | 3.0% | 1.4% | 3.5% | 3.3% | -1.6% | -2.5% | 0.0% | 0.0% | pts. | 4.6% | 3.0% | -1.6% | pts. | 4.2% | 2.2% | -2.0% | pts. | 3.6% | 4.0% | 0.4% | pts. | 3.8% | 3.8% | 0.0% | pts. |
| EBIT margin | 3.8% | 2.1% | 6.9% | -0.0% | 9.5% | 4.9% | 5.2% | 5.4% | 6.6% | 0.0% | 0.0% | -1.5% | 6.7% | -9.5% | -4.9% | pts. | 6.9% | 5.4% | -1.5% | pts. | 3.3% | 6.0% | 2.7% | pts. | 5.4% | 0.0% | -5.4% | pts. | 5.2% | 0.0% | -5.2% | pts. |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Retail International P&L
| Consolidated statement of income by division/reportable segment | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | ||||||||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 6,111 | 5,527 | 1,519 | 1,532 | 1,489 | 1,586 | 6,127 | 1,665 | 1,771 | 0 | 0 | 9.6% | 15.6% | -100.0% | -100.0% | 1,519 | 1,665 | 9.6% | 3,052 | 3,436 | 12.6% | 4,541 | 0 | -100.0% | 6,127 | 0 | -100.0% | |||||
| of which attributable to other divisions/segments | 1 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | -17.9% | -39.7% | -100.0% | -100.0% | 0 | 0 | -17.9% | 1 | 0 | -32.6% | 1 | 0 | -100.0% | 1 | 0 | -100.0% | |||||
| of which attributable to third parties | 6,110 | 5,526 | 1,519 | 1,532 | 1,489 | 1,586 | 6,126 | 1,665 | 1,771 | 0 | 0 | 9.6% | 15.6% | -100.0% | -100.0% | 1,519 | 1,665 | 9.6% | 3,051 | 3,436 | 12.6% | 4,540 | 0 | -100.0% | 6,126 | 0 | -100.0% | |||||
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 113 | 69 | 43 | 40 | 11 | 12 | 107 | 12 | 15 | 0 | 0 | -72.3% | -62.8% | -100.0% | -100.0% | 43 | 12 | -72.3% | 84 | 27 | -67.7% | 95 | 0 | -100.0% | 107 | 0 | -100.0% | |||||
| 3. Ceded written premiums | 485 | 471 | 166 | 137 | 142 | 155 | 601 | 204 | 161 | 0 | 0 | 23.1% | 17.4% | -100.0% | -100.0% | 166 | 204 | 23.1% | 303 | 365 | 20.5% | 445 | 0 | -100.0% | 601 | 0 | -100.0% | |||||
| 4. Change in gross unearned premiums | -203 | -48 | -45 | -27 | -36 | -163 | -271 | -138 | -97 | 0 | 0 | 204.4% | 256.0% | -100.0% | -100.0% | -45 | -138 | 204.4% | -73 | -236 | 223.7% | -108 | 0 | -100.0% | -271 | 0 | -100.0% | |||||
| 5. Change in ceded unearned premiums | -33 | -11 | -45 | 7 | 8 | -5 | -35 | -60 | -0 | 0 | 0 | 34.2% | -100.4% | -100.0% | -100.0% | -45 | -60 | 34.2% | -38 | -60 | 59.0% | -30 | 0 | -100.0% | -35 | 0 | -100.0% | |||||
| Net premiums earned | 5,343 | 4,950 | 1,309 | 1,321 | 1,293 | 1,261 | 5,183 | 1,370 | 1,498 | 0 | 0 | 4.7% | 13.4% | -100.0% | -100.0% | 1,309 | 1,370 | 4.7% | 2,630 | 2,868 | 9.1% | 3,923 | 0 | -100.0% | 5,183 | 0 | -100.0% | |||||
| 6. Claims and claims expenses (gross) | 4,415 | 3,997 | 1,073 | 1,052 | 1,062 | 1,031 | 4,219 | 1,097 | 1,283 | 0 | 0 | 2.2% | 22.0% | -100.0% | -100.0% | 1,073 | 1,097 | 2.2% | 2,125 | 2,380 | 12.0% | 3,187 | 0 | -100.0% | 4,219 | 0 | -100.0% | |||||
| Reinsurers' share | 353 | 315 | 68 | 82 | 108 | 94 | 351 | 92 | 137 | 0 | 0 | 36.1% | 67.4% | -100.0% | -100.0% | 68 | 92 | 36.1% | 150 | 229 | 53.2% | 257 | 0 | -100.0% | 351 | 0 | -100.0% | |||||
| Claims and claims expenses (net) | 4,063 | 3,683 | 1,005 | 970 | 955 | 938 | 3,868 | 1,004 | 1,146 | 0 | 0 | -0.1% | 18.2% | -100.0% | -100.0% | 1,005 | 1,004 | -0.1% | 1,975 | 2,151 | 8.9% | 2,930 | 0 | -100.0% | 3,868 | 0 | -100.0% | |||||
| 7. Acquisition costs and administrative expenses (gross) | 1,293 | 1,271 | 308 | 333 | 353 | 343 | 1,337 | 349 | 377 | 0 | 0 | 13.4% | 13.2% | -100.0% | -100.0% | 308 | 349 | 13.4% | 641 | 726 | 13.3% | 994 | 0 | -100.0% | 1,337 | 0 | -100.0% | |||||
| Reinsurers' share | 95 | 91 | 29 | 31 | 30 | 36 | 126 | 28 | 30 | 0 | 0 | -4.5% | -0.4% | -100.0% | -100.0% | 29 | 28 | -4.5% | 60 | 58 | -2.4% | 90 | 0 | -100.0% | 126 | 0 | -100.0% | |||||
| Acquisition costs and administrative expenses (net) | 1,198 | 1,180 | 279 | 302 | 323 | 307 | 1,212 | 321 | 346 | 0 | 0 | 15.3% | 14.5% | -100.0% | -100.0% | 279 | 321 | 15.3% | 581 | 668 | 14.9% | 904 | 0 | -100.0% | 1,212 | 0 | -100.0% | |||||
| 8. Other technical income | 35 | 34 | 7 | 8 | 9 | 9 | 33 | 9 | 16 | 0 | 0 | 21.3% | 105.6% | -100.0% | -100.0% | 7 | 9 | 21.3% | 15 | 25 | 66.1% | 24 | 0 | -100.0% | 33 | 0 | -100.0% | |||||
| Other technical expenses | 84 | 82 | 19 | 23 | 20 | 29 | 91 | 22 | 24 | 0 | 0 | 16.2% | 2.7% | -100.0% | -100.0% | 19 | 22 | 16.2% | 42 | 46 | 8.8% | 62 | 0 | -100.0% | 91 | 0 | -100.0% | |||||
| Other technical result | -49 | -47 | -12 | -15 | -11 | -19 | -58 | -13 | -7 | 0 | 0 | 13.1% | -52.1% | -100.0% | -100.0% | -12 | -13 | 13.1% | -27 | -21 | -23.3% | -38 | 0 | -100.0% | -58 | 0 | -100.0% | |||||
| Net technical result | 33 | 41 | 14 | 33 | 4 | -4 | 46 | 31 | -2 | 0 | 0 | 129.4% | -106.7% | -100.0% | -100.0% | 14 | 31 | 129.4% | 47 | 29 | -37.8% | 50 | 0 | -100.0% | 46 | 0 | -100.0% | |||||
| 9a. Investment income | 427 | 475 | 109 | 113 | 102 | 116 | 440 | 138 | 134 | 0 | 0 | 26.1% | 19.1% | -100.0% | -100.0% | 109 | 138 | 26.1% | 222 | 272 | 22.5% | 324 | 0 | -100.0% | 440 | 0 | -100.0% | |||||
| 9b. Investment expenses | 45 | 147 | 13 | 16 | 19 | 20 | 67 | 38 | 43 | 0 | 0 | 201.4% | 172.3% | -100.0% | -100.0% | 13 | 38 | 201.4% | 28 | 81 | 185.2% | 47 | 0 | -100.0% | 67 | 0 | -100.0% | |||||
| Net income from assets under own management | 382 | 328 | 97 | 97 | 83 | 96 | 373 | 100 | 92 | 0 | 0 | 3.3% | -5.7% | -100.0% | -100.0% | 97 | 100 | 3.3% | 194 | 191 | -1.2% | 277 | 0 | -100.0% | 373 | 0 | -100.0% | |||||
| Net income from investment contracts | 3 | 0 | 1 | 0 | 1 | 1 | 3 | 1 | 1 | 0 | 0 | 15.7% | 177.6% | -100.0% | -100.0% | 1 | 1 | 15.7% | 2 | 3 | 64.6% | 3 | 0 | -100.0% | 3 | 0 | -100.0% | |||||
| Net interest income from funds withheld and contract deposits | -4 | -2 | -1 | -0 | -1 | -0 | -2 | -0 | -0 | 0 | 0 | -3.7% | -14.7% | -100.0% | -100.0% | -1 | -0 | -3.7% | -1 | -1 | -9.0% | -2 | 0 | -100.0% | -2 | 0 | -100.0% | |||||
| Net investment income | 381 | 326 | 97 | 97 | 84 | 96 | 374 | 101 | 93 | 0 | 0 | 3.5% | -4.7% | -100.0% | -100.0% | 97 | 101 | 3.5% | 194 | 193 | -0.6% | 278 | 0 | -100.0% | 374 | 0 | -100.0% | |||||
| of which share of profit or loss of equity-accounted associates and joint ventures | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | -100.0% | -100.0% | 0 | 0 | n/a | 0 | 0 | n/a | -0 | 0 | -100.0% | 0 | 0 | n/a | |||||
| 10a. Other income | 76 | 141 | 79 | -12 | 49 | 72 | 188 | 41 | 92 | 0 | 0 | -48.0% | -892.7% | -100.0% | -100.0% | 79 | 41 | -48.0% | 68 | 133 | 97.5% | 116 | 0 | -100.0% | 188 | 0 | -100.0% | |||||
| 10b. Other expenses | 207 | 242 | 103 | 33 | 82 | 98 | 315 | 87 | 105 | 0 | 0 | -15.5% | 217.6% | -100.0% | -100.0% | 103 | 87 | -15.5% | 136 | 192 | 41.0% | 218 | 0 | -100.0% | 315 | 0 | -100.0% | |||||
| Other income/expenses | -131 | -101 | -24 | -45 | -33 | -25 | -127 | -46 | -12 | 0 | 0 | 93.2% | -72.2% | -100.0% | -100.0% | -24 | -46 | 93.2% | -68 | -58 | -14.9% | -101 | 0 | -100.0% | -127 | 0 | -100.0% | |||||
| Profit before goodwill impairments | 283 | 266 | 87 | 86 | 54 | 67 | 294 | 86 | 78 | 0 | 0 | -1.2% | -8.8% | -100.0% | -100.0% | 87 | 86 | -1.2% | 173 | 164 | -5.0% | 227 | 0 | -100.0% | 294 | 0 | -100.0% | |||||
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | -0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Operating profit/loss (EBIT) | 283 | 266 | 87 | 86 | 54 | 67 | 294 | 86 | 78 | 0 | 0 | -1.2% | -8.8% | -100.0% | -100.0% | 87 | 86 | -1.2% | 173 | 164 | -5.0% | 227 | 0 | -100.0% | 294 | 0 | -100.0% | |||||
| Financing costs | 12 | 17 | 2 | 2 | 2 | -4 | 2 | -0 | -1 | 0 | 0 | -118.7% | -163.8% | -100.0% | -100.0% | 2 | -0 | -118.7% | 4 | -2 | -145.7% | 6 | 0 | -100.0% | 2 | 0 | -100.0% | |||||
| Taxes on income | 65 | 56 | 24 | 24 | 13 | 6 | 66 | 27 | 17 | 0 | 0 | 15.2% | -29.4% | -100.0% | -100.0% | 24 | 27 | 15.2% | 48 | 44 | -7.1% | 60 | 0 | -100.0% | 66 | 0 | -100.0% | |||||
| Net income | 205 | 193 | 62 | 60 | 39 | 64 | 225 | 59 | 63 | 0 | 0 | -4.6% | 5.3% | -100.0% | -100.0% | 62 | 59 | -4.6% | 121 | 122 | 0.2% | 160 | 0 | -100.0% | 225 | 0 | -100.0% | |||||
| attributable to non-controlling interests | 41 | 33 | 8 | 9 | 8 | 11 | 36 | 13 | 13 | 0 | 0 | 65.0% | 41.5% | -100.0% | -100.0% | 8 | 13 | 65.0% | 17 | 26 | 52.4% | 25 | 0 | -100.0% | 36 | 0 | -100.0% | |||||
| attributable to shareholders of |
164 | 160 | 54 | 50 | 31 | 54 | 189 | 46 | 50 | 0 | 0 | -15.1% | -1.4% | -100.0% | -100.0% | 54 | 46 | -15.1% | 104 | 95 | -8.5% | 135 | 0 | -100.0% | 189 | 0 | -100.0% | |||||
| Retention ratio | 91.9% | 91.4% | 88.8% | 90.8% | 90.4% | 90.1% | 90.0% | 87.7% | 90.8% | 0.0% | 0.0% | -1.1% | 0.0% | -90.4% | -90.1% | pts. | 88.8% | 87.7% | -1.1% | pts. | 89.8% | 89.3% | -0.5% | pts. | 90.0% | 0.0% | -90.0% | pts. | 90.0% | 0.0% | -90.0% | pts. |
| Net expense ratio (property/casualty) | 29.6% | 30.5% | 29.8% | 30.1% | 30.9% | 30.1% | 30.2% | 30.0% | 30.1% | 0.0% | 0.0% | 0.2% | -0.0% | -30.9% | -30.1% | pts. | 29.8% | 30.0% | 0.2% | pts. | 30.0% | 30.1% | 0.1% | pts. | 30.3% | 0.0% | -30.3% | pts. | 30.2% | 0.0% | -30.2% | pts. |
| Net loss ratio (property/casualty) | 65.8% | 64.7% | 64.0% | 61.7% | 66.0% | 66.1% | 64.5% | 64.0% | 68.8% | 0.0% | 0.0% | -0.0% | 7.1% | -66.0% | -66.1% | pts. | 64.0% | 64.0% | -0.0% | pts. | 62.8% | 66.5% | 3.7% | pts. | 63.9% | 0.0% | -63.9% | pts. | 64.5% | 0.0% | -64.5% | pts. |
| Net combined ratio (property/casualty) | 95.5% | 95.2% | 93.9% | 91.8% | 97.0% | 96.2% | 94.8% | 94.0% | 98.9% | 0.0% | 0.0% | 0.2% | 7.1% | -97.0% | -96.2% | pts. | 93.9% | 94.0% | 0.2% | pts. | 92.8% | 96.6% | 3.8% | pts. | 94.3% | 0.0% | -94.3% | pts. | 94.8% | 0.0% | -94.8% | pts. |
| Net retuon investment | 3.3% | 2.6% | 2.9% | 2.8% | 2.4% | 2.8% | 2.8% | 3.1% | 2.9% | 2.4% | 2.8% | 0.1% | 0.1% | 0.0% | 0.0% | pts. | 2.9% | 3.1% | 0.1% | pts. | 2.8% | 3.0% | 0.2% | pts. | 2.6% | 2.7% | 0.1% | pts. | 2.8% | 2.8% | 0.0% | pts. |
| EBIT margin | 5.3% | 5.4% | 6.7% | 6.5% | 4.2% | 5.3% | 5.7% | 6.3% | 5.2% | 0.0% | 0.0% | -0.4% | -1.3% | -4.2% | -5.3% | pts. | 6.7% | 6.3% | -0.4% | pts. | 6.6% | 5.7% | -0.8% | pts. | 5.8% | 0.0% | -5.8% | pts. | 5.7% | 0.0% | -5.7% | pts. |
| Tax ratio | 24.2% | 22.3% | 27.8% | 28.5% | 24.8% | 8.3% | 22.8% | 31.8% | 21.1% | ERROR:#DIV/0! | ERROR:#DIV/0! | 4.0% | -7.4% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 27.8% | 31.8% | 4.0% | pts. | 28.2% | 26.7% | -1.5% | pts. | 27.4% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 22.8% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. |
| Retuon equity | 8.2% | 7.3% | 9.3% | 8.7% | 9.3% | 9.5% | 8.4% | 8.4% | 9.9% | 9.3% | 9.5% | -0.9% | 1.2% | 0.0% | 0.0% | pts. | 9.3% | 8.4% | -0.9% | pts. | 8.9% | 9.4% | 0.5% | pts. | 8.3% | 7.8% | -0.5% | pts. | 8.4% | 8.4% | 0.0% | pts. |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Retail Int. P&C & Life split
| Consolidated statement of income by division/reportable segment | |||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2021 vs. 6M 2020 | 9M 2021 vs. 9M 2020 | FY 2022 vs. FY 2021 | ||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2020 | 9M 2021 | FY 2021 | FY 2022 | |||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 6,111 | 5,527 | 1,519 | 1,532 | 1,489 | 1,586 | 6,127 | 1,665 | 1,771 | 0 | 0 | 9.6% | 15.6% | -100.0% | -100.0% | 1,519 | 1,665 | 9.6% | 3,052 | 3,436 | 12.6% | 4,541 | 0 | -100.0% | 6,127 | 0 | -100.0% |
| Property/Casualty | 4,092 | 3,776 | 965 | 1,039 | 1,091 | 1,203 | 4,298 | 1,234 | 1,283 | 0 | 0 | 27.8% | 23.4% | -100.0% | -100.0% | 965 | 1,234 | 27.8% | 2,005 | 2,517 | 25.5% | 3,096 | 0 | -100.0% | 4,298 | 0 | -100.0% |
| Life | 2,018 | 1,750 | 554 | 493 | 398 | 383 | 1,829 | 431 | 488 | 0 | 0 | -22.2% | -0.9% | -100.0% | -100.0% | 554 | 431 | -22.2% | 1,047 | 919 | -12.2% | 1,446 | 0 | -100.0% | 1,829 | 0 | -100.0% |
| Net premiums earned | 5,343 | 4,950 | 1,309 | 1,321 | 1,293 | 1,261 | 5,183 | 1,370 | 1,498 | 0 | 0 | 4.7% | 13.4% | -100.0% | -100.0% | 1,309 | 1,370 | 4.7% | 2,630 | 2,868 | 9.1% | 3,923 | 0 | -100.0% | 5,183 | 0 | -100.0% |
| Property/Casualty | 3,471 | 3,275 | 800 | 868 | 906 | 891 | 3,465 | 953 | 1,024 | 0 | 0 | 19.0% | 18.0% | -100.0% | -100.0% | 800 | 953 | 19.0% | 1,668 | 1,976 | 18.5% | 2,574 | 0 | -100.0% | 3,465 | 0 | -100.0% |
| Life | 1,871 | 1,675 | 509 | 453 | 387 | 370 | 1,719 | 418 | 474 | 0 | 0 | -17.9% | 4.6% | -100.0% | -100.0% | 509 | 418 | -17.9% | 962 | 892 | -7.3% | 1,349 | 0 | -100.0% | 1,719 | 0 | -100.0% |
| Net technical result | 33 | 41 | 14 | 33 | 4 | -4 | 46 | 31 | -2 | 0 | 0 | 129.4% | -106.7% | -100.0% | -100.0% | 14 | 31 | 129.4% | 47 | 29 | -37.8% | 50 | 0 | -100.0% | 46 | 0 | -100.0% |
| Property/Casualty | 160 | 160 | 50 | 71 | 28 | 34 | 183 | 57 | 11 | 0 | 0 | 15.4% | -84.1% | -100.0% | -100.0% | 50 | 57 | 15.4% | 121 | 69 | -43.2% | 149 | 0 | -100.0% | 183 | 0 | -100.0% |
| Life | -127 | -119 | -36 | -38 | -24 | -38 | -136 | -26 | -14 | 0 | 0 | -27.6% | -64.6% | -100.0% | -100.0% | -36 | -26 | -27.6% | -74 | -40 | -46.7% | -99 | 0 | -100.0% | -136 | 0 | -100.0% |
| Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| Net investment income | 381 | 326 | 97 | 97 | 84 | 96 | 374 | 101 | 93 | 0 | 0 | 3.5% | -4.7% | -100.0% | -100.0% | 97 | 101 | 3.5% | 194 | 193 | -0.6% | 278 | 0 | -100.0% | 374 | 0 | -100.0% |
| Property/Casualty | 200 | 159 | 49 | 46 | 43 | 43 | 181 | 59 | 65 | 0 | 0 | 22.3% | 40.8% | -100.0% | -100.0% | 49 | 59 | 22.3% | 94 | 124 | 31.3% | 138 | 0 | -100.0% | 181 | 0 | -100.0% |
| Life | 188 | 175 | 51 | 53 | 42 | 55 | 201 | 43 | 30 | 0 | 0 | -14.8% | -44.4% | -100.0% | -100.0% | 51 | 43 | -14.8% | 104 | 73 | -30.0% | 146 | 0 | -100.0% | 201 | 0 | -100.0% |
| Other | -7 | -7 | -2 | -2 | -2 | -2 | -8 | -2 | -2 | 0 | 0 | -2.2% | -20.4% | -100.0% | -100.0% | -2 | -2 | -2.2% | -4 | -4 | -11.5% | -6 | 0 | -100.0% | -8 | 0 | -100.0% |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Retail International CEE P&L
| Consolidated statement of income by division/reportable segment | |||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2021 vs. Q3 2020 | Q4 2021 vs. Q4 2020 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | ||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2020 | 9M 2021 | FY 2021 | FY 2022 | |||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 4,359 | 4,100 | 1,183 | 1,174 | 1,082 | 1,156 | 4,594 | 1,220 | 1,283 | 0 | 0 | 3.1% | 9.3% | -100.0% | -100.0% | 1,183 | 1,220 | 3.1% | 2,356 | 2,503 | 6.2% | 3,438 | 0 | -100.0% | 4,594 | 0 | -100.0% |
| of which attributable to other divisions/segments | 1 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | -17.9% | -39.7% | -100.0% | -100.0% | 0 | 0 | -17.9% | 1 | 0 | -32.6% | 1 | 0 | -100.0% | 1 | 0 | -100.0% |
| of which attributable to third parties | 4,358 | 4,099 | 1,183 | 1,173 | 1,081 | 1,156 | 4,593 | 1,219 | 1,283 | 0 | 0 | 3.1% | 9.3% | -100.0% | -100.0% | 1,183 | 1,219 | 3.1% | 2,356 | 2,502 | 6.2% | 3,437 | 0 | -100.0% | 4,593 | 0 | -100.0% |
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 113 | 69 | 43 | 40 | 11 | 12 | 107 | 12 | 15 | 0 | 0 | -72.3% | -62.8% | -100.0% | -100.0% | 43 | 12 | -72.3% | 84 | 27 | -67.7% | 95 | 0 | -100.0% | 107 | 0 | -100.0% |
| 3. Ceded written premiums | 312 | 285 | 120 | 86 | 82 | 98 | 386 | 150 | 101 | 0 | 0 | 24.7% | 17.4% | -100.0% | -100.0% | 120 | 150 | 24.7% | 206 | 251 | 21.6% | 288 | 0 | -100.0% | 386 | 0 | -100.0% |
| 4. Change in gross unearned premiums | -134 | -51 | -56 | -25 | 5 | -111 | -187 | -109 | -71 | 0 | 0 | 95.2% | 186.1% | -100.0% | -100.0% | -56 | -109 | 95.2% | -81 | -180 | 123.2% | -75 | 0 | -100.0% | -187 | 0 | -100.0% |
| 5. Change in ceded unearned premiums | -26 | -0 | -48 | 9 | 16 | -2 | -25 | -62 | 0 | 0 | 0 | 29.7% | -97.1% | -100.0% | -100.0% | -48 | -62 | 29.7% | -39 | -62 | 58.1% | -23 | 0 | -100.0% | -25 | 0 | -100.0% |
| Net premiums earned | 3,827 | 3,695 | 1,011 | 1,014 | 977 | 938 | 3,939 | 1,010 | 1,096 | 0 | 0 | -0.1% | 8.1% | -100.0% | -100.0% | 1,011 | 1,010 | -0.1% | 2,024 | 2,106 | 4.0% | 3,002 | 0 | -100.0% | 3,939 | 0 | -100.0% |
| 6. Claims and claims expenses (gross) | 3,219 | 3,061 | 859 | 840 | 809 | 780 | 3,288 | 844 | 964 | 0 | 0 | -1.7% | 14.7% | -100.0% | -100.0% | 859 | 844 | -1.7% | 1,698 | 1,808 | 6.5% | 2,507 | 0 | -100.0% | 3,288 | 0 | -100.0% |
| Reinsurers' share | 195 | 205 | 46 | 64 | 61 | 70 | 242 | 66 | 98 | 0 | 0 | 44.2% | 52.0% | -100.0% | -100.0% | 46 | 66 | 44.2% | 110 | 163 | 48.7% | 171 | 0 | -100.0% | 242 | 0 | -100.0% |
| Claims and claims expenses (net) | 3,023 | 2,856 | 813 | 775 | 748 | 710 | 3,046 | 779 | 866 | 0 | 0 | -4.2% | 11.7% | -100.0% | -100.0% | 813 | 779 | -4.2% | 1,588 | 1,644 | 3.5% | 2,336 | 0 | -100.0% | 3,046 | 0 | -100.0% |
| 7. Acquisition costs and administrative expenses (gross) | 779 | 808 | 196 | 218 | 234 | 222 | 871 | 217 | 227 | 0 | 0 | 10.5% | 4.1% | -100.0% | -100.0% | 196 | 217 | 10.5% | 414 | 444 | 7.2% | 648 | 0 | -100.0% | 871 | 0 | -100.0% |
| Reinsurers' share | 61 | 60 | 19 | 21 | 22 | 26 | 88 | 17 | 18 | 0 | 0 | -9.9% | -12.8% | -100.0% | -100.0% | 19 | 17 | -9.9% | 40 | 35 | -11.4% | 61 | 0 | -100.0% | 88 | 0 | -100.0% |
| Acquisition costs and administrative expenses (net) | 718 | 748 | 178 | 197 | 212 | 196 | 783 | 200 | 209 | 0 | 0 | 12.7% | 5.9% | -100.0% | -100.0% | 178 | 200 | 12.7% | 375 | 409 | 9.1% | 587 | 0 | -100.0% | 783 | 0 | -100.0% |
| 8. Other technical income | 12 | 14 | 2 | 3 | 4 | 4 | 14 | 3 | 10 | 0 | 0 | 39.5% | 228.5% | -100.0% | -100.0% | 2 | 3 | 39.5% | 6 | 14 | 146.0% | 9 | 0 | -100.0% | 14 | 0 | -100.0% |
| Other technical expenses | 63 | 68 | 15 | 20 | 16 | 21 | 72 | 18 | 20 | 0 | 0 | 19.0% | 0.9% | -100.0% | -100.0% | 15 | 18 | 19.0% | 35 | 38 | 8.7% | 51 | 0 | -100.0% | 72 | 0 | -100.0% |
| Other technical result | -50 | -55 | -13 | -16 | -13 | -16 | -58 | -14 | -9 | 0 | 0 | 15.0% | -43.0% | -100.0% | -100.0% | -13 | -14 | 15.0% | -29 | -24 | -17.8% | -42 | 0 | -100.0% | -58 | 0 | -100.0% |
| Net technical result | 35 | 37 | 8 | 25 | 5 | 15 | 52 | 17 | 12 | 0 | 0 | 123.0% | -52.7% | -100.0% | -100.0% | 8 | 17 | 123.0% | 32 | 29 | -11.1% | 37 | 0 | -100.0% | 52 | 0 | -100.0% |
| 9a. Investment income | 349 | 421 | 94 | 99 | 86 | 95 | 374 | 115 | 105 | 0 | 0 | 23.2% | 5.7% | -100.0% | -100.0% | 94 | 115 | 23.2% | 193 | 220 | 14.2% | 279 | 0 | -100.0% | 374 | 0 | -100.0% |
| 9b. Investment expenses | 32 | 130 | 9 | 12 | 14 | 15 | 49 | 29 | 39 | 0 | 0 | 238.6% | 226.2% | -100.0% | -100.0% | 9 | 29 | 238.6% | 20 | 68 | 231.4% | 34 | 0 | -100.0% | 49 | 0 | -100.0% |
| Net income from assets under own management | 318 | 291 | 85 | 87 | 72 | 80 | 325 | 86 | 66 | 0 | 0 | 1.3% | -24.4% | -100.0% | -100.0% | 85 | 86 | 1.3% | 172 | 152 | -11.7% | 244 | 0 | -100.0% | 325 | 0 | -100.0% |
| Net income from investment contracts | 3 | 0 | 1 | 0 | 1 | 1 | 3 | 1 | 1 | 0 | 0 | 15.7% | 177.6% | -100.0% | -100.0% | 1 | 1 | 15.7% | 2 | 3 | 64.6% | 3 | 0 | -100.0% | 3 | 0 | -100.0% |
| Net interest income from funds withheld and contract deposits | -4 | -2 | -1 | -0 | -1 | -0 | -2 | -0 | -0 | 0 | 0 | -3.7% | -14.7% | -100.0% | -100.0% | -1 | -0 | -3.7% | -1 | -1 | -9.0% | -2 | 0 | -100.0% | -2 | 0 | -100.0% |
| Net investment income | 317 | 290 | 86 | 87 | 73 | 81 | 326 | 87 | 67 | 0 | 0 | 1.5% | -23.3% | -100.0% | -100.0% | 86 | 87 | 1.5% | 173 | 154 | -11.0% | 245 | 0 | -100.0% | 326 | 0 | -100.0% |
| of which share of profit or loss of equity-accounted associates and joint ventures | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | -100.0% | -100.0% | 0 | 0 | n/a | 0 | 0 | n/a | -0 | 0 | -100.0% | 0 | 0 | n/a |
| 10a. Other income | 49 | 110 | 71 | -16 | 42 | 65 | 163 | 53 | 68 | 0 | 0 | -26.1% | -527.8% | -100.0% | -100.0% | 71 | 53 | -26.1% | 55 | 98 | 78.0% | 98 | 0 | -100.0% | 163 | 0 | -100.0% |
| 10b. Other expenses | 119 | 164 | 86 | 16 | 66 | 71 | 239 | 62 | 75 | 0 | 0 | -27.6% | 378.2% | -100.0% | -100.0% | 86 | 62 | -27.6% | 102 | 138 | 35.4% | 168 | 0 | -100.0% | 239 | 0 | -100.0% |
| Other income/expenses | -71 | -54 | -15 | -32 | -23 | -6 | -76 | -10 | -7 | 0 | 0 | -34.8% | -77.9% | -100.0% | -100.0% | -15 | -10 | -34.8% | -46 | -39 | -15.4% | -70 | 0 | -100.0% | -76 | 0 | -100.0% |
| Profit before goodwill impairments | 281 | 273 | 79 | 80 | 54 | 90 | 303 | 94 | 71 | 0 | 0 | 20.1% | -10.7% | -100.0% | -100.0% | 79 | 94 | 20.1% | 159 | 143 | -9.7% | 213 | 0 | -100.0% | 303 | 0 | -100.0% |
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | -0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| Operating profit/loss (EBIT) | 281 | 273 | 79 | 80 | 54 | 90 | 303 | 94 | 71 | 0 | 0 | 20.1% | -10.7% | -100.0% | -100.0% | 79 | 94 | 20.1% | 159 | 143 | -9.7% | 213 | 0 | -100.0% | 303 | 0 | -100.0% |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Retail International LatAm P&L
| Consolidated statement of income by division/reportable segment | |||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | ||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2020 | 9M 2021 | FY 2021 | FY 2022 | |||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 1,752 | 1,427 | 337 | 359 | 408 | 430 | 1,533 | 445 | 488 | 0 | 0 | 32.3% | 36.0% | -100.0% | -100.0% | 337 | 445 | 32.3% | 696 | 934 | 34.2% | 1,103 | 0 | -100.0% | 1,533 | 0 | -100.0% |
| of which attributable to other divisions/segments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| of which attributable to third parties | 1,752 | 1,427 | 337 | 359 | 408 | 430 | 1,533 | 445 | 488 | 0 | 0 | 32.3% | 36.0% | -100.0% | -100.0% | 337 | 445 | 32.3% | 696 | 934 | 34.2% | 1,103 | 0 | -100.0% | 1,533 | 0 | -100.0% |
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| 3. Ceded written premiums | 173 | 186 | 45 | 51 | 60 | 57 | 214 | 54 | 60 | 0 | 0 | 18.8% | 17.3% | -100.0% | -100.0% | 45 | 54 | 18.8% | 97 | 114 | 18.0% | 157 | 0 | -100.0% | 214 | 0 | -100.0% |
| 4. Change in gross unearned premiums | -69 | 3 | 10 | -2 | -41 | -52 | -85 | -29 | -26 | 0 | 0 | -379.5% | 953.1% | -100.0% | -100.0% | 10 | -29 | -379.5% | 8 | -55 | -796.3% | -33 | 0 | -100.0% | -85 | 0 | -100.0% |
| 5. Change in ceded unearned premiums | -7 | -11 | 3 | -2 | -9 | -3 | -10 | 2 | -0 | 0 | 0 | -32.4% | -84.5% | -100.0% | -100.0% | 3 | 2 | -32.4% | 1 | 2 | 34.4% | -7 | 0 | -100.0% | -10 | 0 | -100.0% |
| Net premiums earned | 1,516 | 1,255 | 299 | 307 | 315 | 323 | 1,244 | 360 | 402 | 0 | 0 | 20.6% | 31.0% | -100.0% | -100.0% | 299 | 360 | 20.6% | 606 | 762 | 25.9% | 921 | 0 | -100.0% | 1,244 | 0 | -100.0% |
| 6. Claims and claims expenses (gross) | 1,169 | 902 | 214 | 212 | 253 | 251 | 931 | 282 | 320 | 0 | 0 | 31.7% | 50.7% | -100.0% | -100.0% | 214 | 282 | 31.7% | 427 | 602 | 41.1% | 680 | 0 | -100.0% | 931 | 0 | -100.0% |
| Reinsurers' share | 158 | 110 | 22 | 18 | 46 | 23 | 109 | 27 | 39 | 0 | 0 | 19.8% | 124.1% | -100.0% | -100.0% | 22 | 27 | 19.8% | 40 | 66 | 65.7% | 86 | 0 | -100.0% | 109 | 0 | -100.0% |
| Claims and claims expenses (net) | 1,011 | 792 | 192 | 195 | 207 | 228 | 822 | 256 | 281 | 0 | 0 | 33.1% | 44.1% | -100.0% | -100.0% | 192 | 256 | 33.1% | 387 | 536 | 38.6% | 594 | 0 | -100.0% | 822 | 0 | -100.0% |
| 7. Acquisition costs and administrative expenses (gross) | 514 | 463 | 112 | 115 | 119 | 121 | 467 | 132 | 150 | 0 | 0 | 18.4% | 30.3% | -100.0% | -100.0% | 112 | 132 | 18.4% | 227 | 282 | 24.4% | 346 | 0 | -100.0% | 467 | 0 | -100.0% |
| Reinsurers' share | 34 | 31 | 11 | 9 | 8 | 10 | 38 | 11 | 12 | 0 | 0 | 4.8% | 27.5% | -100.0% | -100.0% | 11 | 11 | 4.8% | 20 | 23 | 15.4% | 28 | 0 | -100.0% | 38 | 0 | -100.0% |
| Acquisition costs and administrative expenses (net) | 481 | 432 | 101 | 105 | 111 | 111 | 429 | 121 | 138 | 0 | 0 | 19.8% | 30.6% | -100.0% | -100.0% | 101 | 121 | 19.8% | 207 | 259 | 25.3% | 317 | 0 | -100.0% | 429 | 0 | -100.0% |
| 8. Other technical income | 22 | 21 | 5 | 5 | 5 | 5 | 20 | 5 | 6 | 0 | 0 | 11.6% | 24.8% | -100.0% | -100.0% | 5 | 5 | 11.6% | 9 | 11 | 18.4% | 15 | 0 | -100.0% | 20 | 0 | -100.0% |
| Other technical expenses | 21 | 14 | 4 | 3 | 4 | 8 | 19 | 4 | 4 | 0 | 0 | 5.0% | 13.4% | -100.0% | -100.0% | 4 | 4 | 5.0% | 7 | 8 | 8.9% | 11 | 0 | -100.0% | 19 | 0 | -100.0% |
| Other technical result | 2 | 7 | 1 | 1 | 1 | -3 | 1 | 1 | 2 | 0 | 0 | 46.0% | 51.4% | -100.0% | -100.0% | 1 | 1 | 46.0% | 2 | 3 | 49.6% | 4 | 0 | -100.0% | 1 | 0 | -100.0% |
| Net technical result | 26 | 39 | 6 | 8 | -1 | -19 | -6 | -16 | -14 | 0 | 0 | -366.4% | -267.5% | -100.0% | -100.0% | 6 | -16 | -366.4% | 14 | -30 | -308.9% | 13 | 0 | -100.0% | -6 | 0 | -100.0% |
| 9a. Investment income | 78 | 55 | 15 | 14 | 16 | 20 | 66 | 22 | 30 | 0 | 0 | 43.6% | 114.6% | -100.0% | -100.0% | 15 | 22 | 43.6% | 29 | 52 | 77.3% | 46 | 0 | -100.0% | 66 | 0 | -100.0% |
| 9b. Investment expenses | 7 | 11 | 2 | 2 | 3 | 3 | 10 | 7 | 2 | 0 | 0 | 229.7% | 25.3% | -100.0% | -100.0% | 2 | 7 | 229.7% | 4 | 9 | 130.6% | 7 | 0 | -100.0% | 10 | 0 | -100.0% |
| Net income from assets under own management | 71 | 43 | 13 | 12 | 13 | 17 | 55 | 15 | 27 | 0 | 0 | 15.4% | 128.8% | -100.0% | -100.0% | 13 | 15 | 15.4% | 25 | 43 | 69.0% | 38 | 0 | -100.0% | 55 | 0 | -100.0% |
| Net income from investment contracts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| Net interest income from funds withheld and contract deposits | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| Net investment income | 71 | 43 | 13 | 12 | 13 | 17 | 55 | 15 | 27 | 0 | 0 | 15.4% | 128.8% | -100.0% | -100.0% | 13 | 15 | 15.4% | 25 | 43 | 69.0% | 38 | 0 | -100.0% | 55 | 0 | -100.0% |
| of which share of profit or loss of equity-accounted associates and joint ventures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| 10a. Other income | 26 | 26 | 6 | 6 | 5 | 7 | 23 | 10 | 7 | 0 | 0 | 84.6% | 17.6% | -100.0% | -100.0% | 6 | 10 | 84.6% | 12 | 18 | 49.9% | 16 | 0 | -100.0% | 23 | 0 | -100.0% |
| 10b. Other expenses | 72 | 64 | 14 | 13 | 13 | 18 | 58 | 19 | 24 | 0 | 0 | 40.0% | 88.3% | -100.0% | -100.0% | 14 | 19 | 40.0% | 26 | 43 | 63.1% | 39 | 0 | -100.0% | 58 | 0 | -100.0% |
| Other income/expenses | -47 | -38 | -8 | -6 | -8 | -12 | -34 | -9 | -17 | 0 | 0 | 8.6% | 154.4% | -100.0% | -100.0% | -8 | -9 | 8.6% | -15 | -25 | 73.8% | -23 | 0 | -100.0% | -34 | 0 | -100.0% |
| Profit before goodwill impairments | 50 | 44 | 11 | 14 | 4 | -13 | 15 | -9 | -3 | 0 | 0 | -180.4% | -120.9% | -100.0% | -100.0% | 11 | -9 | -180.4% | 25 | -12 | -147.7% | 29 | 0 | -100.0% | 15 | 0 | -100.0% |
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| Operating profit/loss (EBIT) | 50 | 44 | 11 | 14 | 4 | -13 | 15 | -9 | -3 | 0 | 0 | -180.4% | -120.9% | -100.0% | -100.0% | 11 | -9 | -180.4% | 25 | -12 | -147.7% | 29 | 0 | -100.0% | 15 | 0 | -100.0% |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Reinsurance P&L
| Consolidated statement of income by division/reportable segment | |||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | ||||||||||||||||||||||||
| Reinsurance | FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | ||||||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 22,598 | 24,770 | 7,809 | 6,655 | 7,155 | 6,143 | 27,762 | 9,333 | 8,009 | 0 | 0 | 19.5% | 20.3% | -100.0% | -100.0% | 7,809 | 9,333 | 19.5% | 14,465 | 17,342 | 19.9% | 21,620 | 0 | -100.0% | 27,762 | 0 | -100.0% | ||||
| of which attributable to other divisions/segments | 1,513 | 1,807 | 646 | 415 | 391 | 495 | 1,947 | 600 | 336 | 0 | 0 | -7.2% | -19.0% | -100.0% | -100.0% | 646 | 600 | -7.2% | 1,062 | 937 | -11.8% | 1,453 | 0 | -100.0% | 1,947 | 0 | -100.0% | ||||
| of which attributable to third parties | 21,084 | 22,963 | 7,163 | 6,240 | 6,764 | 5,648 | 25,815 | 8,733 | 7,672 | 0 | 0 | 21.9% | 23.0% | -100.0% | -100.0% | 7,163 | 8,733 | 21.9% | 13,403 | 16,406 | 22.4% | 20,167 | 0 | -100.0% | 25,815 | 0 | -100.0% | ||||
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | ||||
| 3. Ceded written premiums | 2,252 | 2,443 | 663 | 722 | 828 | 693 | 2,905 | 745 | 829 | 0 | 0 | 12.4% | 14.8% | -100.0% | -100.0% | 663 | 745 | 12.4% | 1,385 | 1,574 | 13.6% | 2,213 | 0 | -100.0% | 2,905 | 0 | -100.0% | ||||
| 4. Change in gross unearned premiums | -637 | -1,028 | -1,507 | -155 | -243 | 1,168 | -738 | -1,948 | -167 | 0 | 0 | 29.2% | 7.9% | -100.0% | -100.0% | -1,507 | -1,948 | 29.2% | -1,662 | -2,115 | 27.2% | -1,906 | 0 | -100.0% | -738 | 0 | -100.0% | ||||
| 5. Change in ceded unearned premiums | -21 | -61 | -54 | -44 | -34 | 108 | -24 | -69 | -44 | 0 | 0 | 28.9% | -0.6% | -100.0% | -100.0% | -54 | -69 | 28.9% | -98 | -113 | 15.6% | -132 | 0 | -100.0% | -24 | 0 | -100.0% | ||||
| Net premiums earned | 19,730 | 21,361 | 5,693 | 5,822 | 6,118 | 6,510 | 24,143 | 6,710 | 7,057 | 0 | 0 | 17.9% | 21.2% | -100.0% | -100.0% | 5,693 | 6,710 | 17.9% | 11,515 | 13,767 | 19.6% | 17,634 | 0 | -100.0% | 24,143 | 0 | -100.0% | ||||
| 6. Claims and claims expenses (gross) | 16,221 | 18,300 | 4,710 | 4,545 | 5,846 | 5,817 | 20,917 | 5,557 | 5,371 | 0 | 0 | 18.0% | 18.2% | -100.0% | -100.0% | 4,710 | 5,557 | 18.0% | 9,254 | 10,928 | 18.1% | 15,101 | 0 | -100.0% | 20,917 | 0 | -100.0% | ||||
| Reinsurers' share | 1,561 | 1,621 | 376 | 361 | 1,003 | 858 | 2,598 | 487 | 215 | 0 | 0 | 29.5% | -40.3% | -100.0% | -100.0% | 376 | 487 | 29.5% | 737 | 703 | -4.7% | 1,740 | 0 | -100.0% | 2,598 | 0 | -100.0% | ||||
| Claims and claims expenses (net) | 14,660 | 16,679 | 4,333 | 4,184 | 4,844 | 4,959 | 18,319 | 5,069 | 5,156 | 0 | 0 | 17.0% | 23.2% | -100.0% | -100.0% | 4,333 | 5,069 | 17.0% | 8,517 | 10,225 | 20.1% | 13,361 | 0 | -100.0% | 18,319 | 0 | -100.0% | ||||
| 7. Acquisition costs and administrative expenses (gross) | 5,555 | 5,857 | 1,511 | 1,654 | 1,565 | 1,862 | 6,592 | 1,878 | 2,013 | 0 | 0 | 24.3% | 21.7% | -100.0% | -100.0% | 1,511 | 1,878 | 24.3% | 3,165 | 3,891 | 22.9% | 4,730 | 0 | -100.0% | 6,592 | 0 | -100.0% | ||||
| Reinsurers' share | 266 | 264 | 47 | 72 | 61 | 109 | 288 | 80 | 103 | 0 | 0 | 70.6% | 44.3% | -100.0% | -100.0% | 47 | 80 | 70.6% | 119 | 184 | 54.8% | 180 | 0 | -100.0% | 288 | 0 | -100.0% | ||||
| Acquisition costs and administrative expenses (net) | 5,289 | 5,594 | 1,464 | 1,582 | 1,504 | 1,753 | 6,304 | 1,798 | 1,910 | 0 | 0 | 22.8% | 20.7% | -100.0% | -100.0% | 1,464 | 1,798 | 22.8% | 3,046 | 3,708 | 21.7% | 4,550 | 0 | -100.0% | 6,304 | 0 | -100.0% | ||||
| 8. Other technical income | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -100.0% | -100.0% | -100.0% | -100.0% | 0 | 0 | -100.0% | 0 | 0 | -100.0% | 0 | 0 | -100.0% | 0 | 0 | -100.0% | ||||
| Other technical expenses | 9 | 5 | -0 | 2 | -2 | 5 | 5 | -1 | 6 | 0 | 0 | 255.9% | 272.6% | -100.0% | -100.0% | -0 | -1 | 255.9% | 2 | 6 | 274.1% | -1 | 0 | -100.0% | 5 | 0 | -100.0% | ||||
| Other technical result | -5 | -5 | 0 | -2 | 2 | -5 | -5 | 1 | -6 | 0 | 0 | 148.0% | 283.6% | -100.0% | -100.0% | 0 | 1 | 148.0% | -1 | -6 | 302.6% | 1 | 0 | -100.0% | -5 | 0 | -100.0% | ||||
| Net technical result | -224 | -917 | -105 | 55 | -227 | -207 | -484 | -156 | -16 | 0 | 0 | 49.1% | -129.0% | -100.0% | -100.0% | -105 | -156 | 49.1% | -50 | -172 | 245.5% | -277 | 0 | -100.0% | -484 | 0 | -100.0% | ||||
| 9a. Investment income | 1,873 | 1,831 | 459 | 486 | 575 | 694 | 2,213 | 629 | 605 | 0 | 0 | 36.9% | 24.6% | -100.0% | -100.0% | 459 | 629 | 36.9% | 945 | 1,234 | 30.6% | 1,520 | 0 | -100.0% | 2,213 | 0 | -100.0% | ||||
| 9b. Investment expenses | 304 | 355 | 143 | 98 | 125 | 168 | 534 | 194 | 173 | 0 | 0 | 35.5% | 76.9% | -100.0% | -100.0% | 143 | 194 | 35.5% | 241 | 367 | 52.3% | 366 | 0 | -100.0% | 534 | 0 | -100.0% | ||||
| Net income from assets under own management | 1,569 | 1,476 | 317 | 387 | 449 | 526 | 1,679 | 436 | 432 | 0 | 0 | 37.6% | 11.4% | -100.0% | -100.0% | 317 | 436 | 37.6% | 704 | 867 | 23.2% | 1,153 | 0 | -100.0% | 1,679 | 0 | -100.0% | ||||
| Net income from investment contracts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | ||||
| Net interest income from funds withheld and contract deposits | 206 | 222 | 131 | 42 | 42 | 54 | 268 | 55 | 72 | 0 | 0 | -58.0% | 72.4% | -100.0% | -100.0% | 131 | 55 | -58.0% | 172 | 127 | -26.4% | 215 | 0 | -100.0% | 268 | 0 | -100.0% | ||||
| Net investment income | 1,776 | 1,698 | 447 | 429 | 492 | 580 | 1,947 | 490 | 503 | 0 | 0 | 9.7% | 17.3% | -100.0% | -100.0% | 447 | 490 | 9.7% | 876 | 994 | 13.4% | 1,368 | 0 | -100.0% | 1,947 | 0 | -100.0% | ||||
| of which share of profit or loss of equity-accounted associates and joint ventures | 24 | 81 | 12 | 2 | 2 | 0 | 17 | 27 | 6 | 0 | 0 | 119.9% | 184.8% | -100.0% | -100.0% | 12 | 27 | 119.9% | 15 | 33 | 130.1% | 17 | 0 | -100.0% | 17 | 0 | -100.0% | ||||
| 10a. Other income | 630 | 842 | 267 | 139 | 159 | 228 | 793 | 287 | 297 | 0 | 0 | 7.6% | 113.0% | -100.0% | -100.0% | 267 | 287 | 7.6% | 406 | 584 | 43.8% | 565 | 0 | -100.0% | 793 | 0 | -100.0% | ||||
| 10b. Other expenses | 363 | 392 | 200 | 68 | 98 | 153 | 520 | 219 | 256 | 0 | 0 | 9.1% | 279.0% | -100.0% | -100.0% | 200 | 219 | 9.1% | 268 | 475 | 77.2% | 366 | 0 | -100.0% | 520 | 0 | -100.0% | ||||
| Other income/expenses | 267 | 450 | 66 | 72 | 61 | 74 | 273 | 68 | 41 | 0 | 0 | 3.2% | -43.3% | -100.0% | -100.0% | 66 | 68 | 3.2% | 138 | 109 | -21.0% | 199 | 0 | -100.0% | 273 | 0 | -100.0% | ||||
| Profit before goodwill impairments | 1,818 | 1,230 | 408 | 556 | 326 | 446 | 1,736 | 402 | 528 | 0 | 0 | -1.5% | -5.0% | -100.0% | -100.0% | 408 | 402 | -1.5% | 964 | 930 | -3.5% | 1,290 | 0 | -100.0% | 1,736 | 0 | -100.0% | ||||
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | ||||
| Operating profit/loss (EBIT) | 1,818 | 1,230 | 408 | 556 | 326 | 446 | 1,736 | 402 | 528 | 0 | 0 | -1.5% | -5.0% | -100.0% | -100.0% | 408 | 402 | -1.5% | 964 | 930 | -3.5% | 1,290 | 0 | -100.0% | 1,736 | 0 | -100.0% | ||||
| Financing costs | 106 | 110 | 24 | 26 | 26 | 27 | 103 | 27 | 27 | 0 | 0 | 12.9% | 2.0% | -100.0% | -100.0% | 24 | 27 | 12.9% | 50 | 53 | 7.1% | 76 | 0 | -100.0% | 103 | 0 | -100.0% | ||||
| Taxes on income | 394 | 205 | 66 | 146 | 106 | 33 | 352 | 93 | 91 | 0 | 0 | 41.4% | -37.5% | -100.0% | -100.0% | 66 | 93 | 41.4% | 212 | 184 | -13.0% | 318 | 0 | -100.0% | 352 | 0 | -100.0% | ||||
| Net income | 1,318 | 915 | 319 | 383 | 193 | 386 | 1,282 | 283 | 410 | 0 | 0 | -11.4% | 6.9% | -100.0% | -100.0% | 319 | 283 | -11.4% | 702 | 693 | -1.4% | 895 | 0 | -100.0% | 1,282 | 0 | -100.0% | ||||
| attributable to non-controlling interests | 699 | 474 | 166 | 201 | 102 | 204 | 672 | 150 | 216 | 0 | 0 | -9.4% | 7.8% | -100.0% | -100.0% | 166 | 150 | -9.4% | 366 | 366 | 0.0% | 468 | 0 | -100.0% | 672 | 0 | -100.0% | ||||
| attributable to shareholders of |
619 | 442 | 153 | 183 | 91 | 182 | 609 | 133 | 193 | 0 | 0 | -13.5% | 6.0% | -100.0% | -100.0% | 153 | 133 | -13.5% | 336 | 326 | -2.9% | 427 | 0 | -100.0% | 609 | 0 | -100.0% | ||||
| Retention ratio | 90.0% | 90.1% | 91.5% | 89.2% | 88.4% | 88.7% | 89.5% | 92.0% | 89.7% | 88.4% | 88.7% | 0.5% | 0.5% | 0.0% | 0.0% | 91.5% | 92.0% | 0.5% | pts. | 90.4% | 90.9% | 0.5% | pts. | 90.1% | 89.8% | -0.3% | pts. | 89.5% | 89.5% | 0.0% | pts. |
| Net expense ratio (property/casualty) | 29.5% | 29.1% | 27.9% | 30.0% | 27.1% | 29.8% | 28.7% | 28.9% | 30.3% | 0.0% | 0.0% | 1.1% | 0.3% | -27.1% | -29.8% | 27.9% | 28.9% | 1.1% | pts. | 29.0% | 29.7% | 0.7% | pts. | 28.3% | 0.0% | -28.3% | pts. | 28.7% | 0.0% | -28.7% | pts. |
| Net loss ratio (property/casualty) | 69.0% | 72.8% | 68.4% | 66.1% | 74.8% | 67.7% | 69.3% | 70.6% | 69.0% | 0.0% | 0.0% | 2.2% | 3.0% | -74.8% | -67.7% | 68.4% | 70.6% | 2.2% | pts. | 67.2% | 69.8% | 2.6% | pts. | 69.9% | 0.0% | -69.9% | pts. | 69.3% | 0.0% | -69.3% | pts. |
| Net combined ratio (property/casualty) | 98.2% | 101.6% | 96.2% | 95.8% | 101.5% | 97.2% | 97.7% | 99.5% | 98.7% | 0.0% | 0.0% | 3.3% | 2.8% | -101.5% | -97.2% | 96.2% | 99.5% | 3.3% | pts. | 96.0% | 99.1% | 3.0% | pts. | 97.9% | 0.0% | -97.9% | pts. | 97.7% | 0.0% | -97.7% | pts. |
| Net retuon investment | 3.5% | 3.1% | 2.5% | 3.0% | 3.4% | 3.8% | 3.2% | 3.1% | 3.1% | 3.4% | 3.8% | 0.6% | 0.1% | 0.0% | 0.0% | 2.5% | 3.1% | 0.6% | pts. | 2.8% | 3.1% | 0.3% | pts. | 2.9% | 3.0% | 0.1% | pts. | 3.2% | 3.2% | 0.0% | pts. |
| EBIT margin | 9.2% | 5.8% | 7.2% | 9.5% | 5.3% | 6.9% | 7.2% | 6.0% | 7.5% | 5.3% | 6.9% | -1.2% | -2.1% | 0.0% | 0.0% | 7.2% | 6.0% | -1.2% | pts. | 8.4% | 6.8% | -1.6% | pts. | 5.8% | 7.3% | 1.5% | pts. | 7.2% | 7.2% | 0.0% | pts. |
| Tax ratio | 23.0% | 18.3% | 17.1% | 27.6% | 35.5% | 7.9% | 21.5% | 24.7% | 18.2% | ERROR:#DIV/0! | ERROR:#DIV/0! | 7.7% | -9.4% | ERROR:#DIV/0! | ERROR:#DIV/0! | 17.1% | 24.7% | 7.7% | pts. | 23.2% | 21.0% | -2.2% | pts. | 26.2% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 21.5% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. |
| Retuon equity | 13.3% | 8.5% | 11.6% | 13.8% | 6.8% | 12.8% | 10.9% | 9.6% | 16.1% | 6.8% | 12.8% | -2.0% | 2.4% | 0.0% | 0.0% | 11.6% | 9.6% | -2.0% | pts. | 12.7% | 12.8% | 0.1% | pts. | 8.7% | 10.6% | 1.9% | pts. | 10.9% | 10.9% | 0.0% | pts. |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
PC Reinsurance P&L
| Consolidated statement of income by division/reportable segment | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| Property/Casualty Reinsurance | FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | |||||||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 14,781 | 16,744 | 5,693 | 4,574 | 5,003 | 3,955 | 19,224 | 7,149 | 5,773 | 0 | 0 | 25.6% | 26.2% | -100.0% | -100.0% | 5,693 | 7,149 | 25.6% | 10,267 | 12,922 | 25.9% | 15,269 | 0 | -100.0% | 19,224 | 0 | -100.0% | |||||
| of which attributable to other divisions/segments | 1,370 | 1,673 | 611 | 380 | 354 | 459 | 1,804 | 563 | 304 | 0 | 0 | -7.8% | -20.0% | -100.0% | -100.0% | 611 | 563 | -7.8% | 991 | 868 | -12.5% | 1,346 | 0 | -100.0% | 1,804 | 0 | -100.0% | |||||
| of which attributable to third parties | 13,411 | 15,071 | 5,082 | 4,193 | 4,648 | 3,496 | 17,420 | 6,585 | 5,469 | 0 | 0 | 29.6% | 30.4% | -100.0% | -100.0% | 5,082 | 6,585 | 29.6% | 9,275 | 12,054 | 30.0% | 13,924 | 0 | -100.0% | 17,420 | 0 | -100.0% | |||||
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| 3. Ceded written premiums | 1,434 | 1,628 | 423 | 468 | 579 | 431 | 1,901 | 495 | 583 | 0 | 0 | 17.2% | 24.5% | -100.0% | -100.0% | 423 | 495 | 17.2% | 891 | 1,078 | 21.0% | 1,470 | 0 | -100.0% | 1,901 | 0 | -100.0% | |||||
| 4. Change in gross unearned premiums | -569 | -974 | -1,461 | -165 | -229 | 1,133 | -723 | -1,940 | -197 | 0 | 0 | 32.8% | 19.0% | -100.0% | -100.0% | -1,461 | -1,940 | 32.8% | -1,627 | -2,137 | 31.4% | -1,856 | 0 | -100.0% | -723 | 0 | -100.0% | |||||
| 5. Change in ceded unearned premiums | -20 | -63 | -54 | -44 | -35 | 108 | -24 | -69 | -44 | 0 | 0 | 28.9% | -0.1% | -100.0% | -100.0% | -54 | -69 | 28.9% | -98 | -113 | 15.9% | -132 | 0 | -100.0% | -24 | 0 | -100.0% | |||||
| Net premiums earned | 12,798 | 14,205 | 3,863 | 3,984 | 4,229 | 4,548 | 16,624 | 4,782 | 5,037 | 0 | 0 | 23.8% | 26.4% | -100.0% | -100.0% | 3,863 | 4,782 | 23.8% | 7,847 | 9,819 | 25.1% | 12,076 | 0 | -100.0% | 16,624 | 0 | -100.0% | |||||
| 6. Claims and claims expenses (gross) | 9,680 | 11,189 | 2,799 | 2,755 | 3,955 | 3,710 | 13,218 | 3,642 | 3,489 | 0 | 0 | 30.1% | 26.7% | -100.0% | -100.0% | 2,799 | 3,642 | 30.1% | 5,554 | 7,131 | 28.4% | 9,509 | 0 | -100.0% | 13,218 | 0 | -100.0% | |||||
| Reinsurers' share | 848 | 844 | 156 | 125 | 791 | 632 | 1,704 | 266 | 13 | 0 | 0 | 70.1% | -89.5% | -100.0% | -100.0% | 156 | 266 | 70.1% | 281 | 279 | -0.9% | 1,072 | 0 | -100.0% | 1,704 | 0 | -100.0% | |||||
| Claims and claims expenses (net) | 8,832 | 10,344 | 2,643 | 2,630 | 3,164 | 3,078 | 11,514 | 3,376 | 3,476 | 0 | 0 | 27.8% | 32.2% | -100.0% | -100.0% | 2,643 | 3,376 | 27.8% | 5,272 | 6,853 | 30.0% | 8,437 | 0 | -100.0% | 11,514 | 0 | -100.0% | |||||
| 7. Acquisition costs and administrative expenses (gross) | 3,987 | 4,331 | 1,127 | 1,251 | 1,197 | 1,422 | 4,998 | 1,444 | 1,599 | 0 | 0 | 28.2% | 27.8% | -100.0% | -100.0% | 1,127 | 1,444 | 28.2% | 2,378 | 3,043 | 28.0% | 3,576 | 0 | -100.0% | 4,998 | 0 | -100.0% | |||||
| Reinsurers' share | 209 | 196 | 50 | 56 | 50 | 66 | 223 | 60 | 71 | 0 | 0 | 18.8% | 27.6% | -100.0% | -100.0% | 50 | 60 | 18.8% | 106 | 131 | 23.4% | 157 | 0 | -100.0% | 223 | 0 | -100.0% | |||||
| Acquisition costs and administrative expenses (net) | 3,778 | 4,135 | 1,077 | 1,195 | 1,147 | 1,356 | 4,775 | 1,385 | 1,527 | 0 | 0 | 28.6% | 27.8% | -100.0% | -100.0% | 1,077 | 1,385 | 28.6% | 2,272 | 2,912 | 28.2% | 3,419 | 0 | -100.0% | 4,775 | 0 | -100.0% | |||||
| 8. Other technical income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Other technical expenses | 2 | 0 | 0 | 3 | -2 | 2 | 3 | 1 | 2 | 0 | 0 | 184.0% | -44.3% | -100.0% | -100.0% | 0 | 1 | 184.0% | 3 | 3 | -21.8% | 1 | 0 | -100.0% | 3 | 0 | -100.0% | |||||
| Other technical result | -2 | -0 | -0 | -3 | 2 | -2 | -3 | -1 | -2 | 0 | 0 | 184.0% | -44.3% | -100.0% | -100.0% | -0 | -1 | 184.0% | -3 | -3 | -21.8% | -1 | 0 | -100.0% | -3 | 0 | -100.0% | |||||
| Net technical result | 186 | -274 | 143 | 155 | -79 | 112 | 332 | 21 | 32 | 0 | 0 | -85.6% | -79.7% | -100.0% | -100.0% | 143 | 21 | -85.6% | 299 | 52 | -82.5% | 219 | 0 | -100.0% | 332 | 0 | -100.0% | |||||
| 9a. Investment income | 1,292 | 1,249 | 337 | 387 | 476 | 493 | 1,693 | 438 | 455 | 0 | 0 | 30.0% | 17.8% | -100.0% | -100.0% | 337 | 438 | 30.0% | 724 | 894 | 23.5% | 1,200 | 0 | -100.0% | 1,693 | 0 | -100.0% | |||||
| 9b. Investment expenses | 247 | 295 | 66 | 77 | 86 | 161 | 390 | 130 | 96 | 0 | 0 | 98.2% | 24.7% | -100.0% | -100.0% | 66 | 130 | 98.2% | 142 | 226 | 58.6% | 229 | 0 | -100.0% | 390 | 0 | -100.0% | |||||
| Net income from assets under own management | 1,046 | 954 | 272 | 310 | 390 | 332 | 1,303 | 308 | 360 | 0 | 0 | 13.5% | 16.0% | -100.0% | -100.0% | 272 | 308 | 13.5% | 582 | 668 | 14.9% | 971 | 0 | -100.0% | 1,303 | 0 | -100.0% | |||||
| Net income from investment contracts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Net interest income from funds withheld and contract deposits | 48 | 50 | 4 | 11 | 18 | 16 | 49 | 5 | 36 | 0 | 0 | 30.7% | 223.8% | -100.0% | -100.0% | 4 | 5 | 30.7% | 15 | 41 | 177.3% | 32 | 0 | -100.0% | 49 | 0 | -100.0% | |||||
| Net investment income | 1,093 | 1,005 | 275 | 321 | 407 | 348 | 1,352 | 313 | 396 | 0 | 0 | 13.8% | 23.3% | -100.0% | -100.0% | 275 | 313 | 13.8% | 596 | 709 | 18.9% | 1,003 | 0 | -100.0% | 1,352 | 0 | -100.0% | |||||
| of which share of profit or loss of equity-accounted associates and joint ventures | 1 | -1 | -0 | 1 | 0 | 3 | 4 | 7 | 1 | 0 | 0 | -3003.1% | -22.4% | -100.0% | -100.0% | -0 | 7 | -3003.1% | 1 | 7 | 1340.5% | 1 | 0 | -100.0% | 4 | 0 | -100.0% | |||||
| 10a. Other income | 255 | 387 | 69 | 47 | 39 | 83 | 238 | 114 | 108 | 0 | 0 | 63.7% | 130.4% | -100.0% | -100.0% | 69 | 114 | 63.7% | 116 | 222 | 90.6% | 156 | 0 | -100.0% | 238 | 0 | -100.0% | |||||
| 10b. Other expenses | 279 | 273 | 170 | 53 | 80 | 98 | 401 | 156 | 226 | 0 | 0 | -8.0% | 329.4% | -100.0% | -100.0% | 170 | 156 | -8.0% | 223 | 382 | 71.9% | 303 | 0 | -100.0% | 401 | 0 | -100.0% | |||||
| Other income/expenses | -24 | 115 | -100 | -6 | -41 | -15 | -163 | -42 | -118 | 0 | 0 | -57.7% | 1952.5% | -100.0% | -100.0% | -100 | -42 | -57.7% | -106 | -161 | 51.4% | -147 | 0 | -100.0% | -163 | 0 | -100.0% | |||||
| Profit before goodwill impairments | 1,256 | 845 | 318 | 471 | 287 | 445 | 1,521 | 291 | 309 | 0 | 0 | -8.5% | -34.3% | -100.0% | -100.0% | 318 | 291 | -8.5% | 789 | 601 | -23.9% | 1,076 | 0 | -100.0% | 1,521 | 0 | -100.0% | |||||
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Operating profit/loss (EBIT) | 1,256 | 845 | 318 | 471 | 287 | 445 | 1,521 | 291 | 309 | 0 | 0 | -8.5% | -34.3% | -100.0% | -100.0% | 318 | 291 | -8.5% | 789 | 601 | -23.9% | 1,076 | 0 | -100.0% | 1,521 | 0 | -100.0% | |||||
| Retention ratio | 90.3% | 90.3% | 92.6% | 89.8% | 88.4% | 89.1% | 90.1% | 93.1% | 89.9% | 0.0% | 0.0% | 0.5% | 0.1% | -88.4% | -89.1% | pts. | 91.7% | 92.6% | 0.8% | pts. | 91.3% | 91.7% | 0.3% | pts. | 90.3% | 90.4% | 0.1% | pts. | 90.1% | 90.1% | 0.0% | pts. |
| Net expense ratio (property/casualty) | 29.5% | 29.1% | 27.9% | 30.0% | 27.1% | 29.8% | 28.7% | 28.9% | 30.3% | 0.0% | 0.0% | 1.1% | 0.3% | -27.1% | -29.8% | pts. | 27.9% | 28.9% | 1.1% | pts. | 29.0% | 29.7% | 0.7% | pts. | 28.3% | 0.0% | -28.3% | pts. | 28.7% | 0.0% | -28.7% | pts. |
| Net loss ratio (property/casualty) | 69.0% | 72.8% | 68.4% | 66.1% | 74.8% | 67.7% | 69.3% | 70.6% | 69.0% | 0.0% | 0.0% | 2.2% | 3.0% | -74.8% | -67.7% | pts. | 68.4% | 70.6% | 2.2% | pts. | 67.2% | 69.8% | 2.6% | pts. | 69.9% | 0.0% | -69.9% | pts. | 69.3% | 0.0% | -69.3% | pts. |
| Net combined ratio (property/casualty) | 98.2% | 101.6% | 96.2% | 95.8% | 101.5% | 97.2% | 97.7% | 99.5% | 98.7% | 0.0% | 0.0% | 3.3% | 2.8% | -101.5% | -97.2% | pts. | 96.2% | 99.5% | 3.3% | pts. | 96.0% | 99.1% | 3.0% | pts. | 97.9% | 0.0% | -97.9% | pts. | 97.7% | 0.0% | -97.7% | pts. |
| Net retuon investment | 3.0% | 2.6% | 2.8% | 3.1% | 3.8% | 3.1% | 3.2% | 2.8% | 3.3% | 3.8% | 3.1% | 0.0% | 0.2% | 0.0% | 0.0% | pts. | 2.8% | 2.8% | 0.0% | pts. | 3.0% | 3.1% | 0.0% | pts. | 2.5% | 3.3% | 0.8% | pts. | 3.2% | 3.2% | 0.0% | pts. |
| EBIT margin | 9.8% | 6.0% | 8.2% | 11.8% | 6.8% | 9.8% | 9.1% | 6.1% | 6.1% | 0.0% | 0.0% | -2.1% | -5.7% | -6.8% | -9.8% | pts. | 8.2% | 6.1% | -2.1% | pts. | 10.1% | 6.1% | -3.9% | pts. | 8.9% | 0.0% | -8.9% | pts. | 9.1% | 0.0% | -9.1% | pts. |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
LH Reinsurance P&L
| Consolidated statement of income by division/reportable segment | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| Life/Health Reinsurance | FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | |||||||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 7,816 | 8,026 | 2,116 | 2,082 | 2,152 | 2,188 | 8,538 | 2,185 | 2,236 | 0 | 0 | 3.2% | 7.4% | -100.0% | -100.0% | 2,116 | 2,185 | 3.2% | 4,198 | 4,420 | 5.3% | 6,350 | 0 | -100.0% | 8,538 | 0 | -100.0% | |||||
| of which attributable to other divisions/segments | 144 | 134 | 35 | 35 | 36 | 36 | 143 | 37 | 32 | 0 | 0 | 3.9% | -8.5% | -100.0% | -100.0% | 35 | 37 | 3.9% | 70 | 69 | -2.2% | 107 | 0 | -100.0% | 143 | 0 | -100.0% | |||||
| of which attributable to third parties | 7,673 | 7,892 | 2,081 | 2,046 | 2,116 | 2,152 | 8,396 | 2,148 | 2,204 | 0 | 0 | 3.2% | 7.7% | -100.0% | -100.0% | 2,081 | 2,148 | 3.2% | 4,128 | 4,352 | 5.4% | 6,244 | 0 | -100.0% | 8,396 | 0 | -100.0% | |||||
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| 3. Ceded written premiums | 818 | 815 | 240 | 254 | 249 | 262 | 1,005 | 250 | 246 | 0 | 0 | 3.8% | -3.0% | -100.0% | -100.0% | 240 | 250 | 3.8% | 494 | 495 | 0.3% | 743 | 0 | -100.0% | 1,005 | 0 | -100.0% | |||||
| 4. Change in gross unearned premiums | -68 | -55 | -46 | 10 | -14 | 36 | -14 | -7 | 30 | 0 | 0 | -84.1% | 182.7% | -100.0% | -100.0% | -46 | -7 | -84.1% | -36 | 22 | -162.1% | -50 | 0 | -100.0% | -14 | 0 | -100.0% | |||||
| 5. Change in ceded unearned premiums | -1 | 1 | 0 | -0 | 0 | 0 | -0 | 0 | -0 | 0 | 0 | -20.6% | -99.5% | -100.0% | -100.0% | 0 | 0 | -20.6% | -0 | 0 | -101.3% | -0 | 0 | -100.0% | -0 | 0 | -100.0% | |||||
| Net premiums earned | 6,932 | 7,155 | 1,830 | 1,839 | 1,889 | 1,962 | 7,519 | 1,928 | 2,020 | 0 | 0 | 5.4% | 9.8% | -100.0% | -100.0% | 1,830 | 1,928 | 5.4% | 3,669 | 3,947 | 7.6% | 5,558 | 0 | -100.0% | 7,519 | 0 | -100.0% | |||||
| 6. Claims and claims expenses (gross) | 6,542 | 7,112 | 1,911 | 1,790 | 1,891 | 2,107 | 7,699 | 1,915 | 1,882 | 0 | 0 | 0.2% | 5.2% | -100.0% | -100.0% | 1,911 | 1,915 | 0.2% | 3,701 | 3,797 | 2.6% | 5,592 | 0 | -100.0% | 7,699 | 0 | -100.0% | |||||
| Reinsurers' share | 713 | 777 | 220 | 236 | 212 | 226 | 894 | 222 | 202 | 0 | 0 | 0.7% | -14.3% | -100.0% | -100.0% | 220 | 222 | 0.7% | 456 | 424 | -7.1% | 668 | 0 | -100.0% | 894 | 0 | -100.0% | |||||
| Claims and claims expenses (net) | 5,828 | 6,335 | 1,691 | 1,554 | 1,679 | 1,881 | 6,805 | 1,693 | 1,680 | 0 | 0 | 0.1% | 8.1% | -100.0% | -100.0% | 1,691 | 1,693 | 0.1% | 3,245 | 3,373 | 4.0% | 4,924 | 0 | -100.0% | 6,805 | 0 | -100.0% | |||||
| 7. Acquisition costs and administrative expenses (gross) | 1,567 | 1,526 | 384 | 402 | 368 | 440 | 1,594 | 434 | 414 | 0 | 0 | 12.8% | 3.0% | -100.0% | -100.0% | 384 | 434 | 12.8% | 787 | 848 | 7.8% | 1,154 | 0 | -100.0% | 1,594 | 0 | -100.0% | |||||
| Reinsurers' share | 57 | 67 | -3 | 16 | 11 | 42 | 65 | 21 | 32 | 0 | 0 | -724.8% | 104.0% | -100.0% | -100.0% | -3 | 21 | -724.8% | 12 | 52 | 324.2% | 23 | 0 | -100.0% | 65 | 0 | -100.0% | |||||
| Acquisition costs and administrative expenses (net) | 1,511 | 1,459 | 388 | 387 | 357 | 398 | 1,529 | 413 | 383 | 0 | 0 | 6.6% | -1.1% | -100.0% | -100.0% | 388 | 413 | 6.6% | 774 | 796 | 2.7% | 1,131 | 0 | -100.0% | 1,529 | 0 | -100.0% | |||||
| 8. Other technical income | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -100.0% | -100.0% | -100.0% | -100.0% | 0 | 0 | -100.0% | 0 | 0 | -100.0% | 0 | 0 | -100.0% | 0 | 0 | -100.0% | |||||
| Other technical expenses | 7 | 4 | -0 | -1 | 0 | 3 | 1 | -1 | 5 | 0 | 0 | 206.1% | -482.8% | -100.0% | -100.0% | -0 | -1 | 206.1% | -2 | 3 | -295.2% | -2 | 0 | -100.0% | 1 | 0 | -100.0% | |||||
| Other technical result | -4 | -4 | 1 | 1 | -0 | -3 | -1 | 1 | -5 | 0 | 0 | 170.1% | -468.1% | -100.0% | -100.0% | 1 | 1 | 170.1% | 2 | -3 | -283.3% | 2 | 0 | -100.0% | -1 | 0 | -100.0% | |||||
| Net technical result | -411 | -643 | -248 | -100 | -147 | -320 | -816 | -177 | -47 | 0 | 0 | -28.7% | -52.7% | -100.0% | -100.0% | -248 | -177 | -28.7% | -349 | -224 | -35.6% | -496 | 0 | -100.0% | -816 | 0 | -100.0% | |||||
| 9a. Investment income | 580 | 582 | 122 | 99 | 99 | 201 | 521 | 191 | 150 | 0 | 0 | 56.0% | 51.4% | -100.0% | -100.0% | 122 | 191 | 56.0% | 221 | 340 | 54.0% | 320 | 0 | -100.0% | 521 | 0 | -100.0% | |||||
| 9b. Investment expenses | 57 | 60 | 77 | 21 | 39 | 7 | 145 | 63 | 78 | 0 | 0 | -17.8% | 265.5% | -100.0% | -100.0% | 77 | 63 | -17.8% | 98 | 141 | 43.3% | 137 | 0 | -100.0% | 145 | 0 | -100.0% | |||||
| Net income from assets under own management | 523 | 522 | 45 | 78 | 60 | 194 | 376 | 127 | 72 | 0 | 0 | 182.9% | -7.3% | -100.0% | -100.0% | 45 | 127 | 182.9% | 122 | 199 | 62.5% | 182 | 0 | -100.0% | 376 | 0 | -100.0% | |||||
| Net income from investment contracts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Net interest income from funds withheld and contract deposits | 159 | 171 | 127 | 30 | 25 | 38 | 220 | 50 | 36 | 0 | 0 | -60.5% | 17.0% | -100.0% | -100.0% | 127 | 50 | -60.5% | 157 | 86 | -45.5% | 182 | 0 | -100.0% | 220 | 0 | -100.0% | |||||
| Net investment income | 682 | 693 | 172 | 108 | 85 | 231 | 596 | 177 | 107 | 0 | 0 | 3.2% | -0.5% | -100.0% | -100.0% | 172 | 177 | 3.2% | 280 | 285 | 1.8% | 364 | 0 | -100.0% | 596 | 0 | -100.0% | |||||
| of which share of profit or loss of equity-accounted associates and joint ventures | 23 | 81 | 12 | 2 | 2 | -3 | 13 | 20 | 6 | 0 | 0 | 62.5% | 283.1% | -100.0% | -100.0% | 12 | 20 | 62.5% | 14 | 26 | 86.8% | 16 | 0 | -100.0% | 13 | 0 | -100.0% | |||||
| 10a. Other income | 375 | 455 | 197 | 92 | 120 | 145 | 554 | 173 | 189 | 0 | 0 | -12.1% | 104.2% | -100.0% | -100.0% | 197 | 173 | -12.1% | 289 | 362 | 25.0% | 409 | 0 | -100.0% | 554 | 0 | -100.0% | |||||
| 10b. Other expenses | 85 | 120 | 31 | 15 | 18 | 55 | 119 | 62 | 30 | 0 | 0 | 104.0% | 100.7% | -100.0% | -100.0% | 31 | 62 | 104.0% | 46 | 92 | 103.0% | 63 | 0 | -100.0% | 119 | 0 | -100.0% | |||||
| Other income/expenses | 290 | 335 | 166 | 78 | 102 | 90 | 435 | 111 | 159 | 0 | 0 | -33.5% | 104.9% | -100.0% | -100.0% | 166 | 111 | -33.5% | 244 | 269 | 10.5% | 346 | 0 | -100.0% | 435 | 0 | -100.0% | |||||
| Profit before goodwill impairments | 562 | 385 | 90 | 85 | 39 | 1 | 216 | 111 | 219 | 0 | 0 | 23.4% | 156.8% | -100.0% | -100.0% | 90 | 111 | 23.4% | 175 | 330 | 88.2% | 214 | 0 | -100.0% | 216 | 0 | -100.0% | |||||
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Operating profit/loss (EBIT) | 562 | 385 | 90 | 85 | 39 | 1 | 216 | 111 | 219 | 0 | 0 | 23.4% | 156.8% | -100.0% | -100.0% | 90 | 111 | 23.4% | 175 | 330 | 88.2% | 214 | 0 | -100.0% | 216 | 0 | -100.0% | |||||
| Retention ratio | 89.5% | 89.8% | 88.6% | 87.8% | 88.4% | 88.0% | 88.2% | 88.6% | 89.0% | 0.0% | 0.0% | -0.1% | 1.2% | -88.4% | -88.0% | pts. | 88.6% | 88.6% | -0.1% | pts. | 88.2% | 88.8% | 0.6% | pts. | 88.3% | 0.0% | -88.3% | pts. | 88.2% | 0.0% | -88.2% | pts. |
| Net retuon investment | 5.1% | 4.8% | 1.6% | 2.6% | 2.0% | 6.4% | 3.2% | 4.2% | 2.5% | 2.0% | 6.4% | 2.7% | -0.2% | 0.0% | 0.0% | pts. | 1.6% | 4.2% | 2.7% | pts. | 2.2% | 3.4% | 1.2% | pts. | 4.3% | 2.1% | -2.2% | pts. | 3.2% | 3.2% | 0.0% | pts. |
| EBIT margin | 8.1% | 5.4% | 4.9% | 4.6% | 2.1% | 0.1% | 2.9% | 5.8% | 10.8% | 0.0% | 0.0% | 0.8% | 6.2% | -2.1% | -0.1% | pts. | 4.9% | 5.8% | 0.8% | pts. | 4.8% | 8.4% | 3.6% | pts. | 3.9% | 0.0% | -3.9% | pts. | 2.9% | 0.0% | -2.9% | pts. |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Corporate Operations P&L
| Consolidated statement of income by division/reportable segment | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| Corporate Operations | FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 202 | 9M 2022 | FY 2021 | FY 2022 | |||||||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | 64 | 738 | 954 | 71 | 23 | 71 | 1,119 | 1,096 | 21 | 0 | 0 | 14.8% | -70.3% | -100.0% | -100.0% | 954 | 1,096 | 14.8% | 1,025 | 1,117 | 8.9% | 1,049 | 0 | -100.0% | 1,119 | 0 | -100.0% | |||||
| of which attributable to other divisions/segments | 64 | 503 | 502 | 261 | 211 | 211 | 1,186 | 554 | 256 | 0 | 0 | 10.4% | -2.1% | -100.0% | -100.0% | 502 | 554 | 10.4% | 763 | 810 | 6.1% | 974 | 0 | -100.0% | 1,186 | 0 | -100.0% | |||||
| of which attributable to third parties | 0 | 235 | 453 | -191 | -188 | -141 | -67 | 542 | -235 | 0 | 0 | 19.6% | 23.2% | -100.0% | -100.0% | 453 | 542 | 19.6% | 262 | 307 | 17.0% | 74 | 0 | -100.0% | -67 | 0 | -100.0% | |||||
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| 3. Ceded written premiums | 20 | 483 | 769 | 26 | 7 | 38 | 839 | 871 | 10 | 0 | 0 | 13.4% | -62.8% | -100.0% | -100.0% | 769 | 871 | 13.4% | 794 | 881 | 10.9% | 801 | 0 | -100.0% | 839 | 0 | -100.0% | |||||
| 4. Change in gross unearned premiums | -4 | -237 | -698 | 189 | 277 | 250 | 18 | -797 | 274 | 0 | 0 | 14.2% | 45.1% | -100.0% | -100.0% | -698 | -797 | 14.2% | -509 | -523 | 2.7% | -232 | 0 | -100.0% | 18 | 0 | -100.0% | |||||
| 5. Change in ceded unearned premiums | -1 | -172 | -572 | 173 | 217 | 211 | 29 | -652 | 220 | 0 | 0 | 14.1% | 27.6% | -100.0% | -100.0% | -572 | -652 | 14.1% | -399 | -432 | 8.2% | -182 | 0 | -100.0% | 29 | 0 | -100.0% | |||||
| Net premiums earned | 40 | 190 | 60 | 61 | 76 | 71 | 268 | 80 | 65 | 0 | 0 | 33.5% | 6.7% | -100.0% | -100.0% | 60 | 80 | 33.5% | 121 | 145 | 20.0% | 197 | 0 | -100.0% | 268 | 0 | -100.0% | |||||
| 6. Claims and claims expenses (gross) | 55 | 493 | 229 | 112 | 444 | 243 | 1029 | 283 | 241 | 0 | 0 | 23.5% | 115.8% | -100.0% | -100.0% | 229 | 283 | 23.5% | 341 | 524 | 53.7% | 785 | 0 | -100.0% | 1029 | 0 | -100.0% | |||||
| Reinsurers' share | 13 | 296 | 150 | 96 | 393 | 178 | 816 | 237 | 206 | 0 | 0 | 58.3% | 113.2% | -100.0% | -100.0% | 150 | 237 | 58.3% | 246 | 442 | 79.8% | 639 | 0 | -100.0% | 816 | 0 | -100.0% | |||||
| Claims and claims expenses (net) | 42 | 196 | 80 | 15 | 52 | 66 | 212 | 47 | 35 | 0 | 0 | -41.6% | 132.4% | -100.0% | -100.0% | 80 | 47 | -41.6% | 95 | 82 | -13.9% | 147 | 0 | -100.0% | 212 | 0 | -100.0% | |||||
| 7. Acquisition costs and administrative expenses (gross) | 15 | 106 | 59 | 76 | 97 | 63 | 295 | 84 | 69 | 0 | 0 | 41.6% | -9.5% | -100.0% | -100.0% | 59 | 84 | 41.6% | 135 | 153 | 12.9% | 232 | 0 | -100.0% | 295 | 0 | -100.0% | |||||
| Reinsurers' share | 2 | 52 | 50 | 47 | 47 | 41 | 185 | 54 | 46 | 0 | 0 | 8.0% | -1.8% | -100.0% | -100.0% | 50 | 54 | 8.0% | 97 | 100 | 3.2% | 144 | 0 | -100.0% | 185 | 0 | -100.0% | |||||
| Acquisition costs and administrative expenses (net) | 13 | 55 | 9 | 29 | 50 | 22 | 110 | 30 | 23 | 0 | 0 | 220.6% | -22.0% | -100.0% | -100.0% | 9 | 30 | 220.6% | 38 | 53 | 37.3% | 88 | 0 | -100.0% | 110 | 0 | -100.0% | |||||
| 8. Other technical income | 0 | 0 | 0 | 0 | 16 | 0 | 16 | 0 | 0 | 0 | 0 | n/a | n/a | -100.0% | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 16 | 0 | -100.0% | 16 | 0 | -100.0% | |||||
| Other technical expenses | 0 | 14 | 0 | 9 | -7 | 1 | 4 | 2 | 1 | 0 | 0 | 1132.9% | -87.1% | -100.0% | -100.0% | 0 | 2 | 1132.9% | 9 | 3 | -64.5% | 3 | 0 | -100.0% | 4 | 0 | -100.0% | |||||
| Other technical result | -0 | -14 | -0 | -9 | 22 | -1 | 12 | -2 | -1 | 0 | 0 | 1132.9% | -87.1% | -100.0% | -100.0% | -0 | -2 | 1132.9% | -9 | -3 | -64.5% | 13 | 0 | -100.0% | 12 | 0 | -100.0% | |||||
| Net technical result | -15 | -75 | -30 | 8 | -3 | -17 | -42 | 1 | 6 | 0 | 0 | -103.0% | -20.4% | -100.0% | -100.0% | -30 | 1 | -103.0% | -22 | 7 | -131.1% | -25 | 0 | -100.0% | -42 | 0 | -100.0% | |||||
| 9a. Investment income | 19 | 17 | 16 | 11 | 8 | 7 | 42 | 8 | 6 | 0 | 0 | -50.7% | -44.8% | -100.0% | -100.0% | 16 | 8 | -50.7% | 27 | 14 | -48.4% | 35 | 0 | -100.0% | 42 | 0 | -100.0% | |||||
| 9b. Investment expenses | 103 | 111 | 38 | 50 | 37 | 28 | 153 | 27 | 26 | 0 | 0 | -28.3% | -47.8% | -100.0% | -100.0% | 38 | 27 | -28.3% | 87 | 53 | -39.4% | 124 | 0 | -100.0% | 153 | 0 | -100.0% | |||||
| Net income from assets under own management | -84 | -94 | -22 | -39 | -29 | -21 | -111 | -19 | -20 | 0 | 0 | -11.8% | -48.6% | -100.0% | -100.0% | -22 | -19 | -11.8% | -61 | -39 | -35.5% | -90 | 0 | -100.0% | -111 | 0 | -100.0% | |||||
| Net income from investment contracts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Net interest income from funds withheld and contract deposits | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3919.8% | n/a | -100.0% | -100.0% | 0 | 0 | 3919.8% | 0 | 0 | 3919.8% | 0 | 0 | -100.0% | 0 | 0 | -100.0% | |||||
| Net investment income | -84 | -94 | -22 | -39 | -29 | -21 | -111 | -19 | -20 | 0 | 0 | -11.8% | -48.6% | -100.0% | -100.0% | -22 | -19 | -11.8% | -61 | -39 | -35.5% | -90 | 0 | -100.0% | -111 | 0 | -100.0% | |||||
| of which share of profit or loss of equity-accounted associates and joint ventures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| 10a. Other income | 824 | 819 | 195 | 214 | 213 | 415 | 1,037 | 376 | 364 | 0 | 0 | 92.4% | 70.2% | -100.0% | -100.0% | 195 | 376 | 92.4% | 409 | 740 | 80.8% | 622 | 0 | -100.0% | 1037 | 0 | -100.0% | |||||
| 10b. Other expenses | 733 | 694 | 187 | 173 | 172 | 379 | 911 | 343 | 335 | 0 | 0 | 83.3% | 93.8% | -100.0% | -100.0% | 187 | 343 | 83.3% | 359 | 677 | 88.3% | 532 | 0 | -100.0% | 911 | 0 | -100.0% | |||||
| Other income/expenses | 91 | 125 | 9 | 41 | 41 | 35 | 126 | 34 | 30 | 0 | 0 | 291.3% | -28.1% | -100.0% | -100.0% | 9 | 34 | 291.3% | 50 | 63 | 26.8% | 91 | 0 | -100.0% | 126 | 0 | -100.0% | |||||
| Profit before goodwill impairments | -8 | -44 | -43 | 10 | 9 | -3 | -27 | 15 | 16 | 0 | 0 | -135.8% | 60.1% | -100.0% | -100.0% | -43 | 15 | -135.8% | -33 | 31 | -193.7% | -24 | 0 | -100.0% | -27 | 0 | -100.0% | |||||
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| Operating profit/loss (EBIT) | -8 | -44 | -43 | 10 | 9 | -3 | -27 | 15 | 16 | 0 | 0 | -135.8% | 60.1% | -100.0% | -100.0% | -43 | 15 | -135.8% | -33 | 31 | -193.7% | -24 | 0 | -100.0% | -27 | 0 | -100.0% | |||||
| Financing costs | 105 | 105 | 25 | 25 | 26 | 26 | 103 | 27 | 26 | 0 | 0 | 7.9% | 1.0% | -100.0% | -100.0% | 25 | 27 | 7.9% | 51 | 53 | 4.4% | 76 | 0 | -100.0% | 103 | 0 | -100.0% | |||||
| Taxes on income | -17 | -32 | -16 | -8 | -5 | 3 | -25 | -6 | 7 | 0 | 0 | -64.1% | -190.6% | -100.0% | -100.0% | -16 | -6 | -64.1% | -24 | 1 | -105.5% | -28 | 0 | -100.0% | -25 | 0 | -100.0% | |||||
| Net income | -97 | -117 | -52 | -8 | -12 | -33 | -105 | -6 | -17 | 0 | 0 | -88.2% | 114.6% | -100.0% | -100.0% | -52 | -6 | -88.2% | -60 | -23 | -61.3% | -72 | 0 | -100.0% | -105 | 0 | -100.0% | |||||
| attributable to non-controlling interests | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | |||||
| attributable to shareholders of |
-97 | -117 | -52 | -8 | -12 | -33 | -105 | -6 | -17 | 0 | 0 | -88.2% | 114.6% | -100.0% | -100.0% | -52 | -6 | -88.2% | -60 | -23 | -61.3% | -72 | 0 | -100.0% | -105 | 0 | -100.0% | |||||
| Retention ratio | 68.3% | 34.6% | 19.5% | 63.4% | 72.3% | 45.5% | 25.0% | 20.5% | 54.2% | 0.0% | 0.0% | 1.0% | -9.2% | -72.3% | -45.5% | pts. | 19.5% | 20.5% | 1.0% | pts. | 22.5% | 21.1% | -1.4% | pts. | 23.6% | 0.0% | -23.6% | pts. | 25.0% | 0.0% | -25.0% | pts. |
| EBIT margin | -20.5% | -9.8% | -71.8% | 16.1% | 11.8% | -4.6% | -10.2% | 19.2% | 24.1% | 0.0% | 0.0% | 91.0% | 8.0% | -11.8% | 4.6% | pts. | -71.8% | 19.2% | 91.0% | pts. | -27.4% | 21.4% | 48.9% | pts. | -12.2% | 0.0% | 12.2% | pts. | -10.2% | 0.0% | 10.2% | pts. |
| Tax ratio | 14.6% | 21.3% | 23.3% | 49.3% | 29.3% | -10.1% | 19.6% | 48.1% | -69.4% | ERROR:#DIV/0! | ERROR:#DIV/0! | 24.8% | -118.7% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 23.3% | 48.1% | 24.8% | pts. | 28.2% | -6.0% | -34.1% | pts. | 28.4% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. | 19.6% | ERROR:#DIV/0! | ERROR:#DIV/0! | pts. |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Consolidation P&L
| Consolidated statement of income by division/reportable segment | |||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | ||||||||||||||||||||
| Consolidation | FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | ||||||||
| 1. Gross written premiums including premiums from unit-linked life and annuity insurance | -1,693 | -2,436 | -1,178 | -707 | -634 | -713 | -3,232 | -1,189 | -626 | 0 | 0 | 0.9% | -11.4% | -100.0% | -100.0% | -1,178 | -1,189 | 0.9% | -1,885 | -1,815 | -3.7% | -2,519 | 0 | -100.0% | -3,232 | 0 | -100.0% |
| of which attributable to other divisions/segments | -1,693 | -2,436 | -1,178 | -707 | -634 | -713 | -3,232 | -1,189 | -626 | 0 | 0 | 0.9% | -11.4% | -100.0% | -100.0% | -1,178 | -1,189 | 0.9% | -1,885 | -1,815 | -3.7% | -2,519 | 0 | -100.0% | -3,232 | 0 | -100.0% |
| of which attributable to third parties | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| 2. Savings elements of premiums from unit-linked life and annuity insurance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| 3. Ceded written premiums | -1,689 | -2,437 | -1184 | -702 | -666 | -708 | -3,261 | -1189 | -625 | 0 | 0 | 0.4% | -11.1% | -100.0% | -100.0% | -1184 | -1189 | 0.4% | -1,886 | -1,813 | -3.9% | -2553 | 0 | -100.0% | -3261 | 0 | -100.0% |
| 4. Change in gross unearned premiums | 135 | 220 | 509 | -30 | -89 | -109 | 281 | 428 | -176 | 0 | 0 | -15.9% | 481.6% | -100.0% | -100.0% | 509 | 428 | -15.9% | 479 | 252 | -47.4% | 390 | 0 | -100.0% | 281 | 0 | -100.0% |
| 5. Change in ceded unearned premiums | 136 | 226 | 510 | -30 | -80 | -107 | 293 | 423 | -179 | 0 | 0 | -16.9% | 497.7% | -100.0% | -100.0% | 510 | 423 | -16.9% | 479 | 244 | -49.1% | 400 | 0 | -100.0% | 293 | 0 | -100.0% |
| Net premiums earned | -6 | -4 | 5 | -5 | 23 | -7 | 16 | 4 | 1 | 0 | 0 | -18.2% | -129.2% | -100.0% | -100.0% | 5 | 4 | -18.2% | 0 | 6 | 1451.7% | 24 | 0 | -100.0% | 16 | 0 | -100.0% |
| 6. Claims and claims expenses (gross) | -1,178 | -1,543 | -420 | -430 | -829 | -634 | -2,313 | -520 | -591 | 0 | 0 | 23.8% | 37.5% | -100.0% | -100.0% | -420 | -520 | 23.8% | -850 | -1,111 | 30.7% | -1679 | 0 | -100.0% | -2313 | 0 | -100.0% |
| Reinsurers' share | -1,174 | -1,562 | -415 | -467 | -838 | -645 | -2,365 | -498 | -607 | 0 | 0 | 20.1% | 30.2% | -100.0% | -100.0% | -415 | -498 | 20.1% | -881 | -1,105 | 25.4% | -1,719 | 0 | -100.0% | -2,365 | 0 | -100.0% |
| Claims and claims expenses (net) | -4 | 19 | -5 | 37 | 9 | 11 | 52 | -22 | 17 | 0 | 0 | 305.2% | -54.9% | -100.0% | -100.0% | -5 | -22 | 305.2% | 31 | -6 | -117.5% | 40 | 0 | -100.0% | 52 | 0 | -100.0% |
| 7. Acquisition costs and administrative expenses (gross) | -486 | -644 | -174 | -216 | -253 | -253 | -897 | -229 | -196 | 0 | 0 | 31.2% | -9.6% | -100.0% | -100.0% | -174 | -229 | 31.2% | -391 | -425 | 8.6% | -644 | 0 | -100.0% | -897 | 0 | -100.0% |
| Reinsurers' share | -475 | -626 | -179 | -191 | -229 | -239 | -839 | -228 | -180 | 0 | 0 | 27.1% | -6.0% | -100.0% | -100.0% | -179 | -228 | 27.1% | -370 | -407 | 10.0% | -599 | 0 | -100.0% | -839 | 0 | -100.0% |
| Acquisition costs and administrative expenses (net) | -11 | -17 | 5 | -25 | -24 | -13 | -58 | -1 | -16 | 0 | 0 | -130.5% | -37.3% | -100.0% | -100.0% | 5 | -1 | -130.5% | -21 | -17 | -17.1% | -45 | 0 | -100.0% | -58 | 0 | -100.0% |
| 8. Other technical income | 1 | 0 | -0 | -0 | -16 | 0 | -16 | 0 | 0 | 0 | 0 | -111.5% | -1375.3% | -100.0% | -100.0% | -0 | 0 | -111.5% | -0 | 0 | -113.5% | -16 | 0 | -100.0% | -16 | 0 | -100.0% |
| Other technical expenses | 11 | -6 | 6 | -17 | 23 | -5 | 7 | 28 | 1 | 0 | 0 | 344.4% | -104.7% | -100.0% | -100.0% | 6 | 28 | 344.4% | -10 | 29 | -381.4% | 12 | 0 | -100.0% | 7 | 0 | -100.0% |
| Other technical result | -10 | 6 | -6 | 17 | -38 | 5 | -23 | -28 | -1 | 0 | 0 | 333.6% | -104.7% | -100.0% | -100.0% | -6 | -28 | 333.6% | 10 | -29 | -385.4% | -28 | 0 | -100.0% | -23 | 0 | -100.0% |
| Net technical result | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | 0 | 0 | -3.5% | 5.7% | -100.0% | -100.0% | -0 | -0 | -3.5% | -0 | -0 | 1.1% | -0 | 0 | -100.0% | -0 | 0 | -100.0% |
| 9a. Investment income | -62 | -63 | -15 | -15 | -15 | -15 | -61 | -14 | -15 | 0 | 0 | -7.4% | -5.9% | -100.0% | -100.0% | -15 | -14 | -7.4% | -31 | -29 | -6.7% | -46 | 0 | -100.0% | -61 | 0 | -100.0% |
| 9b. Investment expenses | -121 | -128 | -31 | -31 | -33 | -41 | -137 | -33 | -31 | 0 | 0 | 5.4% | -0.2% | -100.0% | -100.0% | -31 | -33 | 5.4% | -63 | -64 | 2.6% | -96 | 0 | -100.0% | -137 | 0 | -100.0% |
| Net income from assets under own management | 59 | 64 | 16 | 16 | 18 | 26 | 76 | 19 | 17 | 0 | 0 | 17.7% | 5.3% | -100.0% | -100.0% | 16 | 19 | 17.7% | 32 | 36 | 11.5% | 50 | 0 | -100.0% | 76 | 0 | -100.0% |
| Net income from investment contracts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| Net interest income from funds withheld and contract deposits | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3.5% | 5.7% | -100.0% | -100.0% | 0 | 0 | -3.5% | 0 | 0 | 1.1% | 0 | 0 | -100.0% | 0 | 0 | -100.0% |
| Net investment income | 59 | 65 | 16 | 16 | 18 | 26 | 76 | 19 | 17 | 0 | 0 | 17.6% | 5.3% | -100.0% | -100.0% | 16 | 19 | 17.6% | 32 | 36 | 11.4% | 51 | 0 | -100.0% | 76 | 0 | -100.0% |
| of which share of profit or loss of equity-accounted associates and joint ventures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| 10a. Other income | -790 | -794 | -182 | -164 | -195 | -388 | -930 | -320 | -340 | 0 | 0 | 75.8% | 106.7% | -100.0% | -100.0% | -182 | -320 | 75.8% | -346 | -660 | 90.5% | -542 | 0 | -100.0% | -930 | 0 | -100.0% |
| 10b. Other expenses | -679 | -671 | -151 | -137 | -164 | -369 | -822 | -305 | -318 | 0 | 0 | 101.3% | 131.6% | -100.0% | -100.0% | -151 | -305 | 101.3% | -289 | -623 | 115.7% | -453 | 0 | -100.0% | -822 | 0 | -100.0% |
| Other income/expenses | -111 | -123 | -31 | -27 | -31 | -19 | -108 | -15 | -21 | 0 | 0 | -50.7% | -20.3% | -100.0% | -100.0% | -31 | -15 | -50.7% | -57 | -36 | -36.5% | -89 | 0 | -100.0% | -108 | 0 | -100.0% |
| Profit before goodwill impairments | -52 | -59 | -15 | -11 | -13 | 6 | -32 | 4 | -5 | 0 | 0 | -126.0% | -58.3% | -100.0% | -100.0% | -15 | 4 | -126.0% | -25 | -1 | -97.1% | -38 | 0 | -100.0% | -32 | 0 | -100.0% |
| 11. |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| Operating profit/loss (EBIT) | -52 | -59 | -15 | -11 | -13 | 6 | -32 | 4 | -5 | 0 | 0 | -126.0% | -58.3% | -100.0% | -100.0% | -15 | 4 | -126.0% | -25 | -1 | -97.1% | -38 | 0 | -100.0% | -32 | 0 | -100.0% |
| Financing costs | -53 | -55 | -13 | -14 | -13 | -12 | -53 | -13 | -12 | 0 | 0 | -6.3% | -9.4% | -100.0% | -100.0% | -13 | -13 | -6.3% | -27 | -25 | -7.9% | -40 | 0 | -100.0% | -53 | 0 | -100.0% |
| Taxes on income | 0 | -1 | -0 | 1 | 0 | 6 | 7 | 5 | 3 | 0 | 0 | -1480.7% | 178.3% | -100.0% | -100.0% | -0 | 5 | -1480.7% | 1 | 8 | 1371.2% | 1 | 0 | -100.0% | 7 | 0 | -100.0% |
| Net income | 1 | -3 | -1 | 2 | 0 | 13 | 14 | 11 | 5 | 0 | 0 | -1480.7% | 178.3% | -100.0% | -100.0% | -1 | 11 | -1480.7% | 1 | 16 | 1371.2% | 1 | 0 | -100.0% | 14 | 0 | -100.0% |
| attributable to non-controlling interests | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a | 0 | 0 | n/a |
| attributable to shareholders of |
1 | -3 | -1 | 2 | 0 | 13 | 14 | 11 | 5 | 0 | 0 | -1480.7% | 178.3% | -100.0% | -100.0% | -1 | 11 | -1480.7% | 1 | 16 | 1371.2% | 1 | 0 | -100.0% | 14 | 0 | -100.0% |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Combined Ratios
| Combined ratios by divison | ||||||||||||||||||||||||||||||||
| 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | ||||||||||
| 98.3% | 100.9% | 96.1% | 95.7% | 100.9% | 98.0% | 97.7% | 98.3% | 98.4% | 0.0% | 0.0% | 2.3% | 2.7% | -100.9% | -98.0% | pts. | 96.1% | 98.3% | 2.3% | pts. | 95.9% | 98.4% | 2.5% | pts. | 97.6% | 0.0% | -97.6% | pts. | 97.7% | 0.0% | -97.7% | pts. | |
| of which loss ratio | 69.5% | 72.7% | 69.2% | 67.6% | 74.2% | 69.1% | 70.1% | 70.5% | 70.1% | 0.0% | 0.0% | 1.4% | 2.4% | -74.2% | -69.1% | pts. | 69.2% | 70.5% | 1.4% | pts. | 68.4% | 70.3% | 1.9% | pts. | 70.4% | 0.0% | -70.4% | pts. | 70.1% | 0.0% | -70.1% | pts. |
| of which expense ratio | 29.0% | 28.4% | 26.9% | 28.3% | 27.0% | 29.1% | 27.8% | 27.8% | 28.8% | 0.0% | 0.0% | 0.9% | 0.5% | -27.0% | -29.1% | pts. | 26.9% | 27.8% | 0.9% | pts. | 27.6% | 28.3% | 0.7% | pts. | 27.4% | 0.0% | -27.4% | pts. | 27.8% | 0.0% | -27.8% | pts. |
| 98.3% | 98.9% | 94.1% | 95.7% | 99.5% | 98.9% | 97.1% | 95.9% | 98.0% | 0.0% | 0.0% | 1.8% | 2.3% | -99.5% | -98.9% | pts. | 94.1% | 95.9% | 1.8% | pts. | 94.9% | 97.0% | 2.1% | pts. | 96.5% | 0.0% | -96.5% | pts. | 97.1% | 0.0% | -97.1% | pts. | |
| of which loss ratio | 70.2% | 72.0% | 68.7% | 71.4% | 74.3% | 71.3% | 71.5% | 70.7% | 72.5% | 0.0% | 0.0% | 2.0% | 1.1% | -74.3% | -71.3% | pts. | 68.7% | 70.7% | 2.0% | pts. | 70.1% | 71.6% | 1.5% | pts. | 71.5% | 0.0% | -71.5% | pts. | 71.5% | 0.0% | -71.5% | pts. |
| of which expense ratio | 28.1% | 26.9% | 25.4% | 24.3% | 25.2% | 27.5% | 25.6% | 25.2% | 25.5% | 0.0% | 0.0% | -0.1% | 1.3% | -25.2% | -27.5% | pts. | 25.4% | 25.2% | -0.1% | pts. | 24.8% | 25.4% | 0.6% | pts. | 24.9% | 0.0% | -24.9% | pts. | 25.6% | 0.0% | -25.6% | pts. |
| Industrial Lines | 101.4% | 104.6% | 98.7% | 98.1% | 99.1% | 98.9% | 98.7% | 97.1% | 95.9% | 0.0% | 0.0% | -1.6% | -2.1% | -99.1% | -98.9% | pts. | 98.7% | 97.1% | -1.6% | pts. | 98.4% | 96.5% | -1.9% | pts. | 98.6% | 0.0% | -98.6% | pts. | 98.7% | 0.0% | -98.7% | pts. |
| of which loss ratio | 79.9% | 84.4% | 81.8% | 81.0% | 81.0% | 80.1% | 80.9% | 80.2% | 77.4% | 0.0% | 0.0% | -1.6% | -3.6% | -81.0% | -80.1% | pts. | 81.8% | 80.2% | -1.6% | pts. | 81.4% | 78.8% | -2.6% | pts. | 81.3% | 0.0% | -81.3% | pts. | 80.9% | 0.0% | -80.9% | pts. |
| of which expense ratio | 21.4% | 20.2% | 16.9% | 17.0% | 18.1% | 18.8% | 17.7% | 16.9% | 18.6% | 0.0% | 0.0% | -0.0% | 1.6% | -18.1% | -18.8% | pts. | 16.9% | 16.9% | -0.0% | pts. | 17.0% | 17.8% | 0.8% | pts. | 17.3% | 0.0% | -17.3% | pts. | 17.7% | 0.0% | -17.7% | pts. |
| Retail |
99.0% | 95.4% | 84.2% | 99.7% | 108.0% | 105.7% | 99.2% | 97.8% | 101.0% | 0.0% | 0.0% | 13.6% | 1.3% | -108.0% | -105.7% | pts. | 84.2% | 97.8% | 13.6% | pts. | 91.7% | 99.5% | 7.8% | pts. | 96.8% | 0.0% | -96.8% | pts. | 99.2% | 0.0% | -99.2% | pts. |
| of which loss ratio | 61.0% | 61.9% | 49.6% | 72.0% | 80.3% | 61.4% | 65.2% | 63.4% | 69.1% | 0.0% | 0.0% | 13.8% | -2.8% | -80.3% | -61.4% | pts. | 49.6% | 63.4% | 13.8% | pts. | 60.3% | 66.3% | 6.0% | pts. | 66.7% | 0.0% | -66.7% | pts. | 65.2% | 0.0% | -65.2% | pts. |
| of which expense ratio | 38.0% | 33.4% | 34.6% | 27.7% | 27.7% | 44.2% | 33.9% | 34.5% | 31.8% | 0.0% | 0.0% | -0.2% | 4.1% | -27.7% | -44.2% | pts. | 34.6% | 34.5% | -0.2% | pts. | 31.3% | 33.1% | 1.8% | pts. | 30.2% | 0.0% | -30.2% | pts. | 33.9% | 0.0% | -33.9% | pts. |
| 95.5% | 95.2% | 93.9% | 91.8% | 97.0% | 96.2% | 94.8% | 94.0% | 98.9% | 0.0% | 0.0% | 0.2% | 7.1% | -97.0% | -96.2% | pts. | 93.9% | 94.0% | 0.2% | pts. | 92.8% | 96.6% | 3.8% | pts. | 94.3% | 0.0% | -94.3% | pts. | 94.8% | 0.0% | -94.8% | pts. | |
| of which loss ratio | 65.8% | 64.7% | 64.0% | 61.7% | 66.0% | 66.1% | 64.5% | 64.0% | 68.8% | 0.0% | 0.0% | -0.0% | 7.1% | -66.0% | -66.1% | pts. | 64.0% | 64.0% | -0.0% | pts. | 62.8% | 66.5% | 3.7% | pts. | 63.9% | 0.0% | -63.9% | pts. | 64.5% | 0.0% | -64.5% | pts. |
| of which expense ratio | 29.6% | 30.5% | 29.8% | 30.1% | 30.9% | 30.1% | 30.2% | 30.0% | 30.1% | 0.0% | 0.0% | 0.2% | -0.0% | -30.9% | -30.1% | pts. | 29.8% | 30.0% | 0.2% | pts. | 30.0% | 30.1% | 0.1% | pts. | 30.3% | 0.0% | -30.3% | pts. | 30.2% | 0.0% | -30.2% | pts. |
| Property/Casualty Reinsurance | 98.2% | 101.6% | 96.2% | 95.8% | 101.5% | 97.2% | 97.7% | 99.5% | 98.7% | 0.0% | 0.0% | 3.3% | 2.8% | -101.5% | -97.2% | pts. | 96.2% | 99.5% | 3.3% | pts. | 96.0% | 99.1% | 3.0% | pts. | 97.9% | 0.0% | -97.9% | pts. | 97.7% | 0.0% | -97.7% | pts. |
| of which loss ratio | 69.0% | 72.8% | 68.4% | 66.1% | 74.8% | 67.7% | 69.3% | 70.6% | 69.0% | 0.0% | 0.0% | 2.2% | 3.0% | -74.8% | -67.7% | pts. | 68.4% | 70.6% | 2.2% | pts. | 67.2% | 69.8% | 2.6% | pts. | 69.9% | 0.0% | -69.9% | pts. | 69.3% | 0.0% | -69.3% | pts. |
| of which expense ratio | 29.5% | 29.1% | 27.9% | 30.0% | 27.1% | 29.8% | 28.7% | 28.9% | 30.3% | 0.0% | 0.0% | 1.1% | 0.3% | -27.1% | -29.8% | pts. | 27.9% | 28.9% | 1.1% | pts. | 29.0% | 29.7% | 0.7% | pts. | 28.3% | 0.0% | -28.3% | pts. | 28.7% | 0.0% | -28.7% | pts. |
| Combined ratios by |
||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs. 2021A | |||||||||||||||||||||||||
| FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | pts. | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | |||||||||||||
| 90.7% | 92.1% | 93.2% | 92.2% | 96.1% | 89.6% | 92.8% | 90.4% | 91.2% | xx | xx | -2.8% | -1.1% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 93.2% | 90.4% | -2.8% | pts. | 92.7% | 90.8% | -1.9% | pts. | 93.9% | -93.9% | pts. | 92.8% | -92.8% | pts. | |||
| of which loss ratio | 64.1% | 64.8% | 66.6% | 64.1% | 67.7% | 61.3% | 64.9% | 63.3% | 64.2% | xx | xx | -3.2% | 0.1% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 66.6% | 63.3% | -3.2% | pts. | 65.3% | 63.8% | -1.5% | pts. | 66.1% | -66.1% | pts. | 64.9% | -64.9% | pts. | ||
| of which expense ratio | 26.6% | 27.3% | 26.6% | 28.1% | 28.5% | 28.3% | 27.9% | 27.0% | 27.0% | xx | xx | 0.4% | -1.1% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 26.6% | 27.0% | 0.4% | pts. | 27.4% | 27.0% | -0.4% | pts. | 27.8% | -27.8% | pts. | 27.9% | -27.9% | pts. | ||
| 112.0% | 109.9% | 109.2% | 107.6% | 129.4% | 135.1% | 120.1% | 143.5% | 153.1% | xx | xx | 34.3% | 45.4% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 109.2% | 143.5% | 34.3% | pts. | 108.4% | 148.7% | 40.3% | pts. | 115.8% | -115.8% | pts. | 120.1% | -120.1% | pts. | |||
| of which loss ratio | 87.0% | 84.1% | 83.7% | 82.1% | 105.0% | 105.7% | 94.0% | 114.2% | 127.2% | xx | xx | 30.5% | 45.2% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 83.7% | 114.2% | 30.5% | pts. | 82.9% | 121.3% | 38.4% | pts. | 90.7% | -90.7% | pts. | 94.0% | -94.0% | pts. | ||
| of which expense ratio | 23.2% | 25.1% | 24.7% | 24.8% | 23.7% | 28.8% | 25.3% | 28.5% | 25.2% | xx | xx | 3.8% | 0.4% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 24.7% | 28.5% | 3.8% | pts. | 24.8% | 26.7% | 2.0% | pts. | 24.4% | -24.4% | pts. | 25.3% | -25.3% | pts. | ||
| Italy1 | 88.7% | 85.5% | 76.0% | 67.7% | 75.3% | 71.2% | 72.6% | 76.8% | 85.1% | xx | xx | 0.8% | 17.4% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 76.0% | 76.8% | 0.8% | pts. | 71.8% | 81.0% | 9.2% | pts. | 73.0% | -73.0% | pts. | 72.6% | -72.6% | pts. | ||
| of which loss ratio | 63.1% | 61.1% | 51.7% | 46.4% | 45.5% | 49.6% | 48.3% | 54.0% | 64.6% | xx | xx | 2.3% | 18.2% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 51.7% | 54.0% | 2.3% | pts. | 49.0% | 59.4% | 10.3% | pts. | 47.8% | -47.8% | pts. | 48.3% | -48.3% | pts. | ||
| of which expense ratio | 25.6% | 24.5% | 24.3% | 21.3% | 29.8% | 21.6% | 24.3% | 22.8% | 20.4% | xx | xx | -1.5% | -0.9% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 24.3% | 22.8% | -1.5% | pts. | 22.8% | 21.6% | -1.2% | pts. | 25.2% | -25.2% | pts. | 24.3% | -24.3% | pts. | ||
| 96.1% | 98.5% | 99.9% | 99.7% | 105.3% | 114.2% | 104.9% | 115.0% | 112.7% | xx | xx | 15.1% | 13.1% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 99.9% | 115.0% | 15.1% | pts. | 99.8% | 113.8% | 14.0% | pts. | 101.7% | -101.7% | pts. | 104.9% | -104.9% | pts. | |||
| of which loss ratio | 68.7% | 67.7% | 67.6% | 68.2% | 70.9% | 82.4% | 72.4% | 83.7% | 81.4% | xx | xx | 16.1% | 13.3% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 67.6% | 83.7% | 16.1% | pts. | 67.9% | 82.5% | 14.6% | pts. | 68.9% | -68.9% | pts. | 72.4% | -72.4% | pts. | ||
| of which expense ratio | 27.4% | 30.8% | 32.3% | 31.5% | 34.4% | 31.8% | 32.5% | 31.3% | 31.3% | xx | xx | -1.0% | -0.2% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 32.3% | 31.3% | -1.0% | pts. | 31.9% | 31.3% | -0.6% | pts. | 32.7% | -32.7% | pts. | 32.5% | -32.5% | pts. | ||
| 104.2% | 91.5% | 95.1% | 93.9% | 91.5% | 96.4% | 94.3% | 98.3% | 96.0% | xx | xx | 3.2% | 2.1% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 95.1% | 98.3% | 3.2% | pts. | 94.5% | 97.1% | 2.6% | pts. | 93.5% | -93.5% | pts. | 94.3% | -94.3% | pts. | |||
| of which loss ratio | 72.5% | 57.3% | 67.5% | 60.5% | 63.4% | 66.4% | 64.5% | 69.2% | 63.6% | xx | xx | 1.7% | 3.1% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 67.5% | 69.2% | 1.7% | pts. | 64.0% | 66.2% | 2.2% | pts. | 63.8% | -63.8% | pts. | 64.5% | -64.5% | pts. | ||
| of which expense ratio | 31.7% | 34.2% | 27.6% | 33.5% | 28.1% | 30.0% | 29.8% | 29.1% | 32.4% | xx | xx | 1.5% | -1.0% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 27.6% | 29.1% | 1.5% | pts. | 30.5% | 30.8% | 0.3% | pts. | 29.7% | -29.7% | pts. | 29.8% | -29.8% | pts. | ||
| 98.8% | 97.0% | 97.6% | 95.4% | 98.2% | 97.3% | 97.2% | 93.3% | 94.8% | xx | xx | -4.3% | -0.5% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 97.6% | 93.3% | -4.3% | pts. | 96.5% | 94.1% | -2.4% | pts. | 97.1% | -97.1% | pts. | 97.2% | -97.2% | pts. | |||
| of which loss ratio | 61.1% | 58.4% | 58.7% | 57.8% | 59.7% | 59.2% | 58.9% | 55.9% | 56.5% | xx | xx | -2.9% | -1.4% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 58.7% | 55.9% | -2.9% | pts. | 58.3% | 56.2% | -2.1% | pts. | 58.8% | -58.8% | pts. | 58.9% | -58.9% | pts. | ||
| of which expense ratio | 37.7% | 38.6% | 38.9% | 37.5% | 38.5% | 38.2% | 38.3% | 37.4% | 38.4% | xx | xx | -1.4% | 0.8% | ERROR:#VALUE! | ERROR:#VALUE! | pts. | 38.9% | 37.4% | -1.4% | pts. | 38.2% | 37.9% | -0.3% | pts. | 38.3% | -38.3% | pts. | 38.3% | -38.3% | pts. | ||
| 1 without HDI Italia (prev. Amissima) |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Balance Sheet
| Consolidated Balance Sheets | Industrial Lines | Retail |
Reinsurance | Corporate Operations | Consolidation | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Assets | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| A. Intangible assets | 1,998 | 1,879 | 1,918 | 1,943 | 1,937 | 0 | 0 | 1.3% | 1.0% | -100.0% | -100.0% | 163 | 163 | 164 | 164 | 164 | 0 | 0 | 0.0% | 0.1% | -100.0% | -100.0% | 687 | 660 | 682 | 697 | 716 | 0 | 0 | 2.3% | 4.9% | -100.0% | -100.0% | 838 | 767 | 780 | 789 | 772 | 0 | 0 | 1.2% | -1.1% | -100.0% | -100.0% | 204 | 192 | 204 | 205 | 203 | 0 | 0 | 0.3% | -0.3% | -100.0% | -100.0% | 106 | 97 | 88 | 88 | 83 | 0 | 0 | 0.1% | -5.8% | -100.0% | -100.0% | -0 | -0 | -0 | -0 | -0 | 0 | 0 | 0.0% | 0.0% | -100.0% | -100.0% |
| a. |
1,105 | 1,040 | 1,028 | 1,035 | 1,022 | 0 | 0 | 0.6% | -0.6% | -100.0% | -100.0% | 153 | 153 | 153 | 153 | 153 | 0 | 0 | 0.0% | 0.0% | -100.0% | -100.0% | 248 | 248 | 248 | 248 | 248 | 0 | 0 | 0.0% | 0.0% | -100.0% | -100.0% | 668 | 604 | 591 | 597 | 585 | 0 | 0 | 1.0% | -1.0% | -100.0% | -100.0% | 36 | 34 | 36 | 36 | 36 | 0 | 0 | 0.1% | -0.1% | -100.0% | -100.0% | -0 | -0 | -0 | -0 | -0 | 0 | 0 | 0.0% | 0.0% | -100.0% | -100.0% | -0 | -0 | -0 | -0 | -0 | 0 | 0 | 0.0% | 0.0% | -100.0% | -100.0% |
| b. Other intangible assets | 893 | 839 | 889 | 909 | 915 | 0 | 0 | 2.2% | 2.9% | -100.0% | -100.0% | 10 | 10 | 11 | 11 | 11 | 0 | 0 | 0.5% | 1.7% | -100.0% | -100.0% | 438 | 411 | 434 | 449 | 467 | 0 | 0 | 3.5% | 7.7% | -100.0% | -100.0% | 170 | 163 | 189 | 192 | 187 | 0 | 0 | 1.8% | -1.2% | -100.0% | -100.0% | 168 | 158 | 168 | 168 | 167 | 0 | 0 | 0.3% | -0.4% | -100.0% | -100.0% | 106 | 97 | 88 | 88 | 83 | 0 | 0 | 0.1% | -5.8% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| B. Investments | 134,104 | 138,705 | 147,835 | 145,760 | 142,297 | 0 | 0 | -1.4% | -3.7% | -100.0% | -100.0% | 9,292 | 9,785 | 11,129 | 11,221 | 11,319 | 0 | 0 | 0.8% | 1.7% | -100.0% | -100.0% | 54,665 | 57,805 | 56,741 | 53,938 | 50,942 | 0 | 0 | -4.9% | -10.2% | -100.0% | -100.0% | 13,636 | 14,493 | 14,726 | 14,338 | 13,621 | 0 | 0 | -2.6% | -7.5% | -100.0% | -100.0% | 58,346 | 58,137 | 66,871 | 67,400 | 68,074 | 0 | 0 | 0.8% | 1.8% | -100.0% | -100.0% | 896 | 1,195 | 1,451 | 1,898 | 1,255 | 0 | 0 | 30.8% | -13.5% | -100.0% | -100.0% | -2,731 | -2,710 | -3,083 | -3,035 | -2,913 | 0 | 0 | -1.6% | -5.5% | -100.0% | -100.0% |
| a. Investment property | 3,193 | 3,250 | 4,650 | 4,854 | 4,899 | 0 | 0 | 4.4% | 5.3% | -100.0% | -100.0% | 170 | 164 | 163 | 162 | 161 | 0 | 0 | -0.5% | -1.0% | -100.0% | -100.0% | 1,263 | 1,442 | 2,540 | 2,543 | 2,535 | 0 | 0 | 0.1% | -0.2% | -100.0% | -100.0% | 10 | 55 | 129 | 129 | 128 | 0 | 0 | 0.0% | -0.8% | -100.0% | -100.0% | 1,750 | 1,589 | 1,819 | 2,020 | 2,075 | 0 | 0 | 11.1% | 14.1% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| b. Shares in affiliated companies and participating interests | 398 | 572 | 511 | 530 | 542 | 0 | 0 | 3.6% | 6.2% | -100.0% | -100.0% | 12 | 15 | 16 | 16 | 17 | 0 | 0 | 4.5% | 5.3% | -100.0% | -100.0% | 83 | 97 | 134 | 147 | 159 | 0 | 0 | 10.1% | 19.1% | -100.0% | -100.0% | 0 | 0 | 3 | 3 | 3 | 0 | 0 | -0.5% | -0.2% | -100.0% | -100.0% | 278 | 434 | 336 | 340 | 342 | 0 | 0 | 1.2% | 1.6% | -100.0% | -100.0% | 24 | 25 | 22 | 22 | 22 | 0 | 0 | 1.4% | -1.2% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| c. Shares in associates and joint ventures | 337 | 438 | 504 | 536 | 544 | 0 | 0 | 6.4% | 8.1% | -100.0% | -100.0% | 192 | 183 | 191 | 200 | 216 | 0 | 0 | 4.6% | 13.2% | -100.0% | -100.0% | 35 | 35 | 75 | 71 | 66 | 0 | 0 | -4.8% | -11.7% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 109 | 219 | 238 | 265 | 262 | 0 | 0 | 11.4% | 10.1% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| d. Loans and receivables | 27,641 | 27,184 | 25,737 | 25,531 | 25,360 | 0 | 0 | -0.8% | -1.5% | -100.0% | -100.0% | 996 | 1,031 | 941 | 990 | 979 | 0 | 0 | 5.3% | 4.1% | -100.0% | -100.0% | 23,966 | 23,401 | 21,960 | 21,726 | 21,641 | 0 | 0 | -1.1% | -1.5% | -100.0% | -100.0% | 484 | 368 | 322 | 318 | 303 | 0 | 0 | -1.0% | -5.8% | -100.0% | -100.0% | 2,194 | 2,313 | 2,444 | 2,426 | 2,361 | 0 | 0 | -0.7% | -3.4% | -100.0% | -100.0% | 1 | 72 | 70 | 70 | 75 | 0 | 0 | 0.1% | 6.5% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| e. Other financial instruments | 85,604 | 91,008 | 97,851 | 94,036 | 89,979 | 0 | 0 | -3.9% | -8.0% | -100.0% | -100.0% | 7,050 | 7,420 | 8,695 | 8,517 | 8,725 | 0 | 0 | -2.1% | 0.4% | -100.0% | -100.0% | 27,572 | 30,651 | 29,513 | 26,742 | 23,784 | 0 | 0 | -9.4% | -19.4% | -100.0% | -100.0% | 11,486 | 12,387 | 12,486 | 12,037 | 11,456 | 0 | 0 | -3.6% | -8.2% | -100.0% | -100.0% | 39,669 | 40,338 | 46,972 | 46,575 | 45,969 | 0 | 0 | -0.8% | -2.1% | -100.0% | -100.0% | 119 | 504 | 486 | 459 | 340 | 0 | 0 | -5.6% | -30.0% | -100.0% | -100.0% | -292 | -292 | -301 | -294 | -296 | 0 | 0 | -2.4% | -1.7% | -100.0% | -100.0% |
| i. Held to maturity | 336 | 474 | 356 | 365 | 403 | 0 | 0 | 2.6% | 13.3% | -100.0% | -100.0% | 69 | 65 | 75 | 73 | 74 | 0 | 0 | -2.4% | -1.8% | -100.0% | -100.0% | 168 | 168 | 168 | 164 | 165 | 0 | 0 | -2.3% | -1.7% | -100.0% | -100.0% | 168 | 348 | 366 | 375 | 413 | 0 | 0 | 2.4% | 12.9% | -100.0% | -100.0% | 223 | 186 | 49 | 48 | 48 | 0 | 0 | -2.3% | -1.5% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | -292 | -292 | -301 | -294 | -296 | 0 | 0 | -2.4% | -1.7% | -100.0% | -100.0% |
| ii. Available for sale | 83,550 | 89,467 | 96,399 | 92,546 | 88,368 | 0 | 0 | -4.0% | -8.3% | -100.0% | -100.0% | 6,846 | 7,308 | 8,563 | 8,363 | 8,588 | 0 | 0 | -2.3% | 0.3% | -100.0% | -100.0% | 27,043 | 30,057 | 28,842 | 26,123 | 23,185 | 0 | 0 | -9.4% | -19.6% | -100.0% | -100.0% | 10,910 | 11,791 | 11,927 | 11,471 | 10,838 | 0 | 0 | -3.8% | -9.1% | -100.0% | -100.0% | 38,632 | 39,812 | 46,594 | 46,143 | 45,430 | 0 | 0 | -1.0% | -2.5% | -100.0% | -100.0% | 119 | 498 | 473 | 446 | 327 | 0 | 0 | -5.7% | -30.9% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| iii. At fair value through profit or loss | 1,718 | 1,067 | 1,096 | 1,124 | 1,207 | 0 | 0 | 2.6% | 10.2% | -100.0% | -100.0% | 135 | 47 | 57 | 81 | 64 | 0 | 0 | 42.0% | 12.2% | -100.0% | -100.0% | 361 | 425 | 504 | 455 | 435 | 0 | 0 | -9.7% | -13.8% | -100.0% | -100.0% | 408 | 249 | 192 | 191 | 205 | 0 | 0 | -0.5% | 6.6% | -100.0% | -100.0% | 814 | 340 | 330 | 384 | 491 | 0 | 0 | 16.5% | 48.9% | -100.0% | -100.0% | 0 | 5 | 13 | 13 | 13 | 0 | 0 | 0.6% | 2.0% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| f. Other investments | 5,465 | 5,849 | 6,821 | 8,012 | 7,846 | 0 | 0 | 17.5% | 15.0% | -100.0% | -100.0% | 856 | 941 | 1,111 | 1,324 | 1,207 | 0 | 0 | 19.1% | 8.6% | -100.0% | -100.0% | 1,743 | 2,175 | 2,516 | 2,705 | 2,752 | 0 | 0 | 7.5% | 9.4% | -100.0% | -100.0% | 485 | 418 | 331 | 391 | 331 | 0 | 0 | 18.3% | 0.3% | -100.0% | -100.0% | 3,072 | 3,285 | 3,755 | 3,998 | 4,387 | 0 | 0 | 6.5% | 16.8% | -100.0% | -100.0% | 751 | 578 | 847 | 1,321 | 791 | 0 | 0 | 55.9% | -6.6% | -100.0% | -100.0% | -1,442 | -1,547 | -1,739 | -1,726 | -1,621 | 0 | 0 | -0.8% | -6.8% | -100.0% | -100.0% |
| g. Investments under investment contracts | 1,170 | 1,265 | 1,457 | 1,460 | 1,400 | 0 | 0 | 0.2% | -3.9% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 1,170 | 1,265 | 1,457 | 1,460 | 1,400 | 0 | 0 | 0.2% | -3.9% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| h. Funds withheld by ceding companies | 10,296 | 9,140 | 10,305 | 10,802 | 11,727 | 0 | 0 | 4.8% | 13.8% | -100.0% | -100.0% | 14 | 32 | 13 | 13 | 14 | 0 | 0 | -1.5% | 9.2% | -100.0% | -100.0% | 3 | 4 | 4 | 3 | 4 | 0 | 0 | -6.7% | 6.3% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4.7% | -3.1% | -100.0% | -100.0% | 11,274 | 9,958 | 11,306 | 11,776 | 12,678 | 0 | 0 | 4.2% | 12.1% | -100.0% | -100.0% | 1 | 16 | 25 | 25 | 27 | 0 | 0 | 0.0% | 8.1% | -100.0% | -100.0% | -997 | -871 | -1,043 | -1,015 | -996 | 0 | 0 | -2.7% | -4.5% | -100.0% | -100.0% |
| 11,824 | 11,619 | 13,687 | 13,053 | 11,940 | 0 | 0 | -4.6% | -12.8% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 11,353 | 11,185 | 13,208 | 12,610 | 11,541 | 0 | 0 | -4.5% | -12.6% | -100.0% | -100.0% | 471 | 434 | 479 | 442 | 400 | 0 | 0 | -7.6% | -16.5% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | |
| D. Reinsurance recoverables on technical provisions | 8,483 | 7,473 | 8,929 | 10,036 | 10,035 | 0 | 0 | 12.4% | 12.4% | -100.0% | -100.0% | 7,409 | 7,355 | 8,495 | 8,983 | 9,216 | 0 | 0 | 5.7% | 8.5% | -100.0% | -100.0% | 1,811 | 1,688 | 1,989 | 1,947 | 1,911 | 0 | 0 | -2.1% | -3.9% | -100.0% | -100.0% | 921 | 871 | 1,198 | 1,274 | 1,307 | 0 | 0 | 6.4% | 9.2% | -100.0% | -100.0% | 3,028 | 2,242 | 3,073 | 3,406 | 3,394 | 0 | 0 | 10.8% | 10.4% | -100.0% | -100.0% | 18 | 456 | 1,104 | 1,957 | 1,864 | 0 | 0 | 77.3% | 68.8% | -100.0% | -100.0% | -4,704 | -5,140 | -6,930 | -7,531 | -7,656 | 0 | 0 | 8.7% | 10.5% | -100.0% | -100.0% |
| E. Accounts receivable on insurance business | 8,525 | 8,964 | 10,746 | 14,092 | 13,697 | 0 | 0 | 31.1% | 27.5% | -100.0% | -100.0% | 2,060 | 2,307 | 2,547 | 3,370 | 3,219 | 0 | 0 | 32.3% | 26.4% | -100.0% | -100.0% | 287 | 313 | 384 | 436 | 393 | 0 | 0 | 13.6% | 2.4% | -100.0% | -100.0% | 1,339 | 1,213 | 1,358 | 1,455 | 1,546 | 0 | 0 | 7.1% | 13.9% | -100.0% | -100.0% | 5,270 | 5,606 | 7,208 | 9,078 | 8,884 | 0 | 0 | 26.0% | 23.3% | -100.0% | -100.0% | 11 | 287 | 312 | 961 | 797 | 0 | 0 | 207.9% | 155.3% | -100.0% | -100.0% | -443 | -761 | -1,063 | -1,209 | -1,142 | 0 | 0 | 13.8% | 7.5% | -100.0% | -100.0% |
| F. Deferred acquisition costs | 5,940 | 5,528 | 6,020 | 6,935 | 7,136 | 0 | 0 | 15.2% | 18.5% | -100.0% | -100.0% | 75 | 78 | 95 | 161 | 180 | 0 | 0 | 69.9% | 89.0% | -100.0% | -100.0% | 2,021 | 1,503 | 1,622 | 1,768 | 1,851 | 0 | 0 | 9.0% | 14.1% | -100.0% | -100.0% | 671 | 589 | 612 | 664 | 667 | 0 | 0 | 8.5% | 9.1% | -100.0% | -100.0% | 2,932 | 3,073 | 3,351 | 3,978 | 4,070 | 0 | 0 | 18.7% | 21.5% | -100.0% | -100.0% | 2 | 21 | 47 | 71 | 58 | 0 | 0 | 51.5% | 25.5% | -100.0% | -100.0% | 238 | 264 | 294 | 293 | 309 | 0 | 0 | -0.4% | 5.0% | -100.0% | -100.0% |
| 3,518 | 3,477 | 4,002 | 4,282 | 3,883 | 0 | 0 | 7.0% | -3.0% | -100.0% | -100.0% | 857 | 717 | 1,079 | 961 | 990 | 0 | 0 | -10.9% | -8.2% | -100.0% | -100.0% | 832 | 481 | 651 | 928 | 571 | 0 | 0 | 42.6% | -12.4% | -100.0% | -100.0% | 387 | 342 | 297 | 440 | 404 | 0 | 0 | 48.3% | 36.1% | -100.0% | -100.0% | 1,089 | 1,278 | 1,325 | 1,304 | 1,415 | 0 | 0 | -1.6% | 6.8% | -100.0% | -100.0% | 353 | 660 | 651 | 649 | 503 | 0 | 0 | -0.3% | -22.7% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | |
| H. Deferred tax assets | 326 | 323 | 611 | 850 | 1,180 | 0 | 0 | 39.2% | 93.2% | -100.0% | -100.0% | 44 | 47 | 83 | 108 | 150 | 0 | 0 | 29.2% | 79.9% | -100.0% | -100.0% | 89 | 69 | 123 | 168 | 256 | 0 | 0 | 36.0% | 107.7% | -100.0% | -100.0% | 92 | 103 | 227 | 278 | 369 | 0 | 0 | 22.7% | 62.4% | -100.0% | -100.0% | 45 | 11 | 54 | 107 | 140 | 0 | 0 | 97.8% | 158.3% | -100.0% | -100.0% | 276 | 328 | 296 | 266 | 279 | 0 | 0 | -10.1% | -5.8% | -100.0% | -100.0% | -221 | -235 | -173 | -76 | -13 | 0 | 0 | -55.8% | -92.2% | -100.0% | -100.0% |
| I. Other assets | 2,819 | 3,036 | 3,153 | 3,376 | 3,724 | 0 | 0 | 7.1% | 18.1% | -100.0% | -100.0% | 663 | 707 | 803 | 1,051 | 1,011 | 0 | 0 | 30.9% | 25.9% | -100.0% | -100.0% | 771 | 773 | 737 | 688 | 838 | 0 | 0 | -6.7% | 13.7% | -100.0% | -100.0% | 561 | 751 | 641 | 641 | 667 | 0 | 0 | 0.1% | 4.1% | -100.0% | -100.0% | 1,797 | 2,466 | 2,831 | 2,918 | 2,971 | 0 | 0 | 3.1% | 4.9% | -100.0% | -100.0% | 1,183 | 707 | 1,068 | 567 | 764 | 0 | 0 | -46.9% | -28.4% | -100.0% | -100.0% | -2,158 | -2,368 | -2,927 | -2,489 | -2,527 | 0 | 0 | -15.0% | -13.7% | -100.0% | -100.0% |
| 57 | 31 | 625 | 108 | 124 | 0 | 0 | -82.7% | -80.1% | -100.0% | -100.0% | 0 | 6 | 9 | 20 | 20 | 0 | 0 | 108.6% | 108.6% | -100.0% | -100.0% | 0 | 10 | 17 | 88 | 105 | 0 | 0 | 421.9% | 519.7% | -100.0% | -100.0% | 21 | 14 | 598 | 0 | 0 | 0 | 0 | -100.0% | -100.0% | -100.0% | -100.0% | 36 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 2 | 0 | 0 | 0 | 0 | -100.0% | -100.0% | -100.0% | -100.0% | -0 | -0 | -1 | 0 | -0 | 0 | 0.0 | -100.0% | -99.9% | -100.0% | -100.0% | |
| Total assets | 177,594 | 181,035 | 197,524 | 200,434 | 195,954 | 0 | 0 | 1.5% | -0.8% | -100.0% | -100.0% | 20,564 | 21,166 | 24,404 | 26,039 | 26,267 | 0 | 0 | 6.7% | 7.6% | -100.0% | -100.0% | 72,517 | 74,488 | 76,154 | 73,269 | 69,122 | 0 | 0 | -3.8% | -9.2% | -100.0% | -100.0% | 18,936 | 19,576 | 20,915 | 20,322 | 19,753 | 0 | 0 | -2.8% | -5.6% | -100.0% | -100.0% | 72,748 | 73,005 | 84,917 | 88,395 | 89,152 | 0 | 0 | 4.1% | 5.0% | -100.0% | -100.0% | 2,845 | 3,750 | 5,017 | 6,457 | 5,602 | 0 | 0 | 28.7% | 11.7% | -100.0% | -100.0% | -10,017 | -10,950 | -13,882 | -14,048 | -13,943 | 0 | 0 | 1.2% | 0.4% | -100.0% | -100.0% |
| 31.03.2022 vs. 31.12.2021 | 30.06.2022 vs. 31.12.2021 | 30.09.2022 vs. 31.12.2021 | 31.12.2022 vs. 31.12.2021 | 31.03.2022 vs. 31.12.2021 | 30.06.2022 vs. 31.12.2021 | 30.09.2022 vU. 31.12.2021 | 31.12.2022 vU. 31.12.2021 | 31.03.2022 vs. 31.12.2021 | 30.06.2022 vs. 31.12.2021 | 30.09.2022 vs. 31.12.2021 | 31.12.2022 vs. 31.12.2021 | 31.03.2022 vs. 31.12.2021 | 30.06.2022 vs. 31.12.2021 | 30.09.2022 vs. 31.12.2021 | 31.12.2022 vs. 31.12.2021 | 31.03.2022 vs. 31.12.2021 | 30.06.2022 vs. 31.12.2021 | 30.09.2022 vs. 31.12.2021 | 31.12.2022 vs. 31.12.2021 | 31.03.2022 vs. 31.12.2021 | 30.06.2022 vs. 31.12.2021 | 30.09.2022 vs. 31.12.2021 | 31.12.2022 vs. 31.12.2021 | 31.03.2022 vs. 31.12.2021 | 30.06.2022 vs. 31.12.2021 | 30.09.2022 vs. 31.12.2021 | 31.12.2022 vs. 31.12.2021 | ||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity and Liablilities | 12/31/19 | 12/31/20 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | 12/31/19 | 12/31/20 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | 12/31/19 | 12/31/20 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | 12/31/19 | 12/31/20 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | 12/31/19 | 12/31/20 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | 12/31/19 | 12/31/20 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | 12/31/19 | 12/31/20 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | ||||||||||||||||||||||||||||
| A. Subordinated liabilities | 3,479 | 3,473 | 4,759 | 4,761 | 4,261 | 0 | 0 | 0.1% | -10.5% | -100.0% | -100.0% | 283 | 279 | 410 | 410 | 410 | 0 | 0 | 0.0% | 0.0% | -100.0% | -100.0% | 162 | 257 | 257 | 206 | 206 | 0 | 0 | -19.8% | -19.8% | -100.0% | -100.0% | 42 | 68 | 103 | 106 | 103 | 0 | 0 | 2.9% | 0.4% | -100.0% | -100.0% | 2,628 | 2,590 | 3,396 | 3,407 | 3,360 | 0 | 0 | 0.3% | -1.1% | -100.0% | -100.0% | 1,280 | 1,280 | 1,746 | 1,746 | 1,246 | 0 | 0 | 0.0% | -28.6% | -100.0% | -100.0% | -916 | -1,001 | -1,152 | -1,113 | -1,064 | 0 | 0 | -3.4% | -7.7% | -100.0% | -100.0% |
| B. Technical provisions | 125,614 | 128,567 | 138,951 | 143,683 | 143,398 | 0 | 0 | 3.4% | 3.2% | -100.0% | -100.0% | 14,561 | 15,143 | 17,769 | 19,474 | 20,106 | 0 | 0 | 9.6% | 13.1% | -100.0% | -100.0% | 54,169 | 56,303 | 56,023 | 54,502 | 51,633 | 0 | 0 | -2.7% | -7.8% | -100.0% | -100.0% | 13,478 | 13,673 | 14,110 | 14,019 | 13,897 | 0 | 0 | -0.6% | -1.5% | -100.0% | -100.0% | 47,089 | 46,919 | 55,357 | 59,621 | 61,973 | 0 | 0 | 7.7% | 12.0% | -100.0% | -100.0% | 108 | 859 | 1,648 | 2,667 | 2,533 | 0 | 0 | 61.8% | 53.7% | -100.0% | -100.0% | -3,792 | -4,330 | -5,956 | -6,599 | -6,744 | 0 | 0 | 10.8% | 13.2% | -100.0% | -100.0% |
| a. Unearned premium reserve | 9,837 | 10,538 | 12,154 | 16,499 | 16,654 | 0 | 0 | 35.7% | 37.0% | -100.0% | -100.0% | 2,026 | 2,325 | 2,819 | 4,035 | 3,950 | 0 | 0 | 43.1% | 40.1% | -100.0% | -100.0% | 1,460 | 1,409 | 1,416 | 1,891 | 1,742 | 0 | 0 | 33.6% | 23.1% | -100.0% | -100.0% | 2,684 | 2,418 | 2,763 | 2,986 | 3,063 | 0 | 0 | 8.1% | 10.9% | -100.0% | -100.0% | 4,392 | 5,070 | 6,196 | 8,271 | 8,702 | 0 | 0 | 33.5% | 40.4% | -100.0% | -100.0% | 10 | 247 | 230 | 1,033 | 753 | 0 | 0 | 348.7% | 227.1% | -100.0% | -100.0% | -735 | -931 | -1,269 | -1,717 | -1,556 | 0 | 0 | 35.2% | 22.6% | -100.0% | -100.0% |
| b. Benefit reserve | 56,859 | 56,932 | 57,489 | 57,456 | 57,495 | 0 | 0 | -0.1% | 0.0% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 41,365 | 43,030 | 43,531 | 43,691 | 43,873 | 0 | 0 | 0.4% | 0.8% | -100.0% | -100.0% | 6,603 | 6,810 | 6,545 | 6,390 | 6,270 | 0 | 0 | -2.4% | -4.2% | -100.0% | -100.0% | 9,028 | 7,218 | 7,542 | 7,505 | 7,482 | 0 | 0 | -0.5% | -0.8% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | -137 | -126 | -130 | -130 | -130 | 0 | 0 | 0.3% | 0.4% | -100.0% | -100.0% |
| c. Loss and loss adjustment expense reserve | 49,651 | 51,214 | 60,541 | 63,282 | 65,845 | 0 | 0 | 4.5% | 8.8% | -100.0% | -100.0% | 12,466 | 12,737 | 14,865 | 15,359 | 16,073 | 0 | 0 | 3.3% | 8.1% | -100.0% | -100.0% | 3,482 | 3,568 | 3,877 | 3,865 | 3,934 | 0 | 0 | -0.3% | 1.5% | -100.0% | -100.0% | 3,530 | 3,624 | 4,161 | 4,258 | 4,330 | 0 | 0 | 2.3% | 4.1% | -100.0% | -100.0% | 32,996 | 33,929 | 40,778 | 42,918 | 44,783 | 0 | 0 | 5.2% | 9.8% | -100.0% | -100.0% | 98 | 597 | 1,418 | 1,633 | 1,780 | 0 | 0 | 15.2% | 25.5% | -100.0% | -100.0% | -2,920 | -3,241 | -4,557 | -4,752 | -5,054 | 0 | 0 | 4.3% | 10.9% | -100.0% | -100.0% |
| d. Provision for premium refunds | 8,511 | 9,114 | 7,832 | 5,428 | 2,308 | 0 | 0 | -30.7% | -70.5% | -100.0% | -100.0% | 15 | 21 | 16 | 11 | 13 | 0 | 0 | -32.3% | -22.8% | -100.0% | -100.0% | 7,857 | 8,289 | 7,191 | 5,047 | 2,076 | 0 | 0 | -29.8% | -71.1% | -100.0% | -100.0% | 639 | 804 | 624 | 370 | 219 | 0 | 0 | -40.7% | -64.9% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| e. Other technical provisions | 755 | 770 | 935 | 1,017 | 1,096 | 0 | 0 | 8.8% | 17.2% | -100.0% | -100.0% | 55 | 61 | 69 | 69 | 70 | 0 | 0 | -0.9% | 0.5% | -100.0% | -100.0% | 6 | 6 | 7 | 7 | 7 | 0 | 0 | 0.2% | 0.0% | -100.0% | -100.0% | 21 | 17 | 17 | 15 | 16 | 0 | 0 | -11.5% | -7.0% | -100.0% | -100.0% | 673 | 702 | 842 | 926 | 1,007 | 0 | 0 | 10.1% | 19.7% | -100.0% | -100.0% | 0 | 16 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | -0 | -32 | -0 | -0 | -4 | 0 | 0 | -99.0% | 1415.5% | -100.0% | -100.0% |
| C. Technical provisions for life insurance policies where the investment risk is borne by the policyholders | 11,824 | 11,619 | 13,687 | 13,053 | 11,940 | 0 | 0 | -4.6% | -12.8% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 11,353 | 11,185 | 13,208 | 12,610 | 11,541 | 0 | 0 | -4.5% | -12.6% | -100.0% | -100.0% | 471 | 434 | 479 | 442 | 400 | 0 | 0 | -7.6% | -16.5% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| D. Other provisions | 3,816 | 3,916 | 3,722 | 3,474 | 3,025 | 0 | 0 | -6.7% | -18.7% | -100.0% | -100.0% | 803 | 893 | 850 | 772 | 628 | 0 | 0 | -9.2% | -26.1% | -100.0% | -100.0% | 622 | 609 | 410 | 395 | 327 | 0 | 0 | -3.8% | -20.3% | -100.0% | -100.0% | 315 | 284 | 312 | 305 | 291 | 0 | 0 | -2.3% | -6.8% | -100.0% | -100.0% | 592 | 538 | 484 | 474 | 449 | 0 | 0 | -1.9% | -7.0% | -100.0% | -100.0% | 1,485 | 1,592 | 1,666 | 1,529 | 1,329 | 0 | 0 | -8.2% | -20.2% | -100.0% | -100.0% | -0 | -0 | -0 | -1 | -0 | 0 | 0 | 280.4% | -49.7% | -100.0% | -100.0% |
| a. Provisions for pensions and other post-employment benefits | 2,284 | 2,445 | 2,200 | 1,975 | 1,637 | 0 | 0 | -10.2% | -25.6% | -100.0% | -100.0% | 623 | 670 | 588 | 524 | 432 | 0 | 0 | -10.9% | -26.5% | -100.0% | -100.0% | 158 | 177 | 136 | 121 | 100 | 0 | 0 | -10.8% | -26.1% | -100.0% | -100.0% | 68 | 59 | 57 | 54 | 52 | 0 | 0 | -6.2% | -9.0% | -100.0% | -100.0% | 202 | 229 | 209 | 185 | 146 | 0 | 0 | -11.4% | -30.2% | -100.0% | -100.0% | 1,234 | 1,309 | 1,210 | 1,091 | 906 | 0 | 0 | -9.8% | -25.1% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| b. Provisions for taxes | 561 | 537 | 535 | 582 | 597 | 0 | 0 | 9.0% | 11.7% | -100.0% | -100.0% | 91 | 128 | 153 | 148 | 140 | 0 | 0 | -3.0% | -8.5% | -100.0% | -100.0% | 102 | 80 | 90 | 106 | 103 | 0 | 0 | 17.2% | 14.6% | -100.0% | -100.0% | 125 | 120 | 125 | 124 | 126 | 0 | 0 | -0.8% | 0.5% | -100.0% | -100.0% | 192 | 133 | 92 | 126 | 135 | 0 | 0 | 36.8% | 46.8% | -100.0% | -100.0% | 50 | 76 | 74 | 78 | 93 | 0 | 0 | 5.4% | 25.4% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a |
| c. Miscellaneous other provisions | 971 | 934 | 988 | 916 | 791 | 0 | 0 | -7.2% | -19.9% | -100.0% | -100.0% | 89 | 95 | 109 | 99 | 56 | 0 | 0 | -9.0% | -48.7% | -100.0% | -100.0% | 361 | 351 | 185 | 168 | 124 | 0 | 0 | -8.9% | -33.0% | -100.0% | -100.0% | 122 | 105 | 129 | 127 | 113 | 0 | 0 | -2.2% | -12.9% | -100.0% | -100.0% | 198 | 176 | 183 | 163 | 169 | 0 | 0 | -10.7% | -7.7% | -100.0% | -100.0% | 201 | 207 | 382 | 360 | 330 | 0 | 0 | -5.7% | -13.7% | -100.0% | -100.0% | -0 | -0 | -0 | -1 | -0 | 0 | 0 | 280.4% | -49.7% | -100.0% | -100.0% |
| E. Liabilities | 14,081 | 13,856 | 15,335 | 17,174 | 17,963 | 0 | 0 | 12.0% | 17.1% | -100.0% | -100.0% | 2,330 | 2,438 | 3,001 | 3,256 | 3,158 | 0 | 0 | 8.5% | 5.2% | -100.0% | -100.0% | 3,386 | 3,061 | 3,387 | 3,023 | 3,217 | 0 | 0 | -10.7% | -5.0% | -100.0% | -100.0% | 2,182 | 2,415 | 2,868 | 3,016 | 2,886 | 0 | 0 | 5.1% | 0.6% | -100.0% | -100.0% | 9,481 | 9,163 | 10,754 | 11,732 | 12,550 | 0 | 0 | 9.1% | 16.7% | -100.0% | -100.0% | 1,861 | 2,228 | 2,012 | 2,509 | 2,383 | 0 | 0 | 24.7% | 18.4% | -100.0% | -100.0% | -5,158 | -5,449 | -6,687 | -6,361 | -6,231 | 0 | 0 | -4.9% | -6.8% | -100.0% | -100.0% |
| a. Notes payable and loans | 2,308 | 2,279 | 2,432 | 2,495 | 2,523 | 0 | 0 | 2.6% | 3.7% | -100.0% | -100.0% | 12 | 11 | 10 | 10 | 10 | 0 | 0 | -4.1% | -6.8% | -100.0% | -100.0% | 82 | 73 | 65 | 63 | 62 | 0 | 0 | -2.7% | -5.3% | -100.0% | -100.0% | 76 | 158 | 206 | 258 | 255 | 0 | 0 | 24.9% | 23.8% | -100.0% | -100.0% | 1,398 | 1,341 | 1,523 | 1,593 | 1,570 | 0 | 0 | 4.6% | 3.1% | -100.0% | -100.0% | 1,524 | 1,499 | 1,482 | 1,460 | 1,460 | 0 | 0 | -1.5% | -1.5% | -100.0% | -100.0% | -786 | -803 | -855 | -889 | -834 | 0 | 0 | 4.0% | -2.4% | -100.0% | -100.0% |
| b. Funds withheld under reinsurance treaties | 4,550 | 3,709 | 4,085 | 4,244 | 4,355 | 0 | 0 | 3.9% | 6.6% | -100.0% | -100.0% | 67 | 31 | 33 | 34 | 39 | 0 | 0 | 1.7% | 19.1% | -100.0% | -100.0% | 1,479 | 1,352 | 1,514 | 1,473 | 1,438 | 0 | 0 | -2.7% | -5.0% | -100.0% | -100.0% | 50 | 22 | 175 | 157 | 149 | 0 | 0 | -10.3% | -15.1% | -100.0% | -100.0% | 4,739 | 3,838 | 4,219 | 4,382 | 4,488 | 0 | 0 | 3.9% | 6.4% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 40.7% | 37.2% | -100.0% | -100.0% | -1,785 | -1,534 | -1,856 | -1,802 | -1,759 | 0 | 0 | -2.9% | -5.2% | -100.0% | -100.0% |
| c. Other liabilities | 7,224 | 7,868 | 8,818 | 10,435 | 11,084 | 0 | 0 | 18.3% | 25.7% | -100.0% | -100.0% | 2,251 | 2,396 | 2,958 | 3,212 | 3,109 | 0 | 0 | 8.6% | 5.1% | -100.0% | -100.0% | 1,824 | 1,636 | 1,808 | 1,487 | 1,718 | 0 | 0 | -17.7% | -5.0% | -100.0% | -100.0% | 2,056 | 2,235 | 2,487 | 2,601 | 2,481 | 0 | 0 | 4.6% | -0.2% | -100.0% | -100.0% | 3,344 | 3,985 | 5,012 | 5,757 | 6,492 | 0 | 0 | 14.9% | 29.5% | -100.0% | -100.0% | 337 | 729 | 530 | 1,049 | 922 | 0 | 0 | 97.9% | 74.1% | -100.0% | -100.0% | -2,588 | -3,111 | -3,976 | -3,671 | -3,638 | 0 | 0 | -7.7% | -8.5% | -100.0% | -100.0% |
| F. Deferred tax liabilities | 2,160 | 2,497 | 2,513 | 1,953 | 1,426 | 0 | 0 | -22.3% | -43.3% | -100.0% | -100.0% | 209 | 200 | 164 | 98 | 55 | 0 | 0 | -40.6% | -66.3% | -100.0% | -100.0% | 253 | 258 | 210 | 120 | 48 | 0 | 0 | -42.9% | -77.0% | -100.0% | -100.0% | 104 | 105 | 69 | 60 | 54 | 0 | 0 | -12.9% | -21.7% | -100.0% | -100.0% | 1,792 | 2,145 | 2,214 | 1,718 | 1,180 | 0 | 0 | -22.4% | -46.7% | -100.0% | -100.0% | -0 | 2 | -0 | 0 | 65 | 0 | 0 | -1334.4% | nm | -100.0% | -100.0% | -198 | -214 | -145 | -43 | 22 | 0 | 0 | -70.2% | -115.2% | -100.0% | -100.0% |
| G. Liabilities included in disposal groups classified as held for sale | 9 | 9 | 612 | 48 | 99 | 0 | 0 | -92.1% | -83.9% | -100.0% | -100.0% | 0 | 0 | 56 | 48 | 47 | 0 | 0 | -13.8% | -16.9% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 52 | 0 | 0 | n/a | n/a | n/a | n/a | 9 | 9 | 557 | 0 | 0 | 0 | 0 | -100.0% | -100.0% | -100.0% | -100.0% | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | -0 | -0 | -1 | 0 | -0 | 0 | 0 | -100.0% | -99.1% | -100.0% | -100.0% |
| Total liabilities and provisions | 160,983 | 163,936 | 179,579 | 184,146 | 182,111 | 0 | 0 | 2.5% | 1.4% | -100.0% | -100.0% | 18,186 | 18,953 | 22,251 | 24,057 | 24,404 | 0 | 0 | 8.1% | 9.7% | -100.0% | -100.0% | 69,945 | 71,673 | 73,495 | 70,856 | 67,025 | 0 | 0 | -3.6% | -8.8% | -100.0% | -100.0% | 16,601 | 16,988 | 18,498 | 17,948 | 17,630 | 0 | 0 | -3.0% | -4.7% | -100.0% | -100.0% | 61,582 | 61,355 | 72,205 | 76,952 | 79,513 | 0 | 0 | 6.6% | 10.1% | -100.0% | -100.0% | 4,734 | 5,961 | 7,072 | 8,451 | 7,556 | 0 | 0 | 19.5% | 6.8% | -100.0% | -100.0% | -10,064 | -10,994 | -13,941 | -14,117 | -14,017 | 0 | 0 | 1.3% | 0.5% | -100.0% | -100.0% |
| H. Equity | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| a. Subscribed capital | 316 | 316 | 316 | 316 | 316 | 0 | 0 | -0.0% | -0.0% | -100.0% | -100.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| b. Reserves | 9,833 | 10,051 | 10,460 | 9,480 | 7,924 | 0 | 0 | -9.4% | -24.2% | -100.0% | -100.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity excluding non-controlling interests | 10,149 | 10,367 | 10,776 | 9,797 | 8,240 | 0 | 0 | -9.1% | -23.5% | -100.0% | -100.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| c. Non-controlling interests in equity | 6,461 | 6,732 | 7,169 | 6,491 | 5,603 | 0 | 0 | -9.5% | -21.9% | -100.0% | -100.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total equity | 16,610 | 17,099 | 17,945 | 16,288 | 13,843 | 0 | 0 | -9.2% | -22.9% | -100.0% | -100.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total equity and liabilities | 177,594 | 181,035 | 197,524 | 200,434 | 195,954 | 0 | 0 | 1.5% | -0.8% | -100.0% | -100.0% |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Investments
| Investment income | ||||||||||||||||||||||||||||||||
| Q1 2022 vs. Q1 2021 | Q2 2022 vs. Q2 2021 | Q3 2022 vs. Q3 2021 | Q4 2022 vs. Q4 2021 | 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | FY 2022 vs. FY 2021 | |||||||||||||||||||||||||
| Talanx Group | FY 2019 | FY 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | FY 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | FY 2021 | FY 2022 | |||||||||||||
| Ordinary investment income | 3,503 | 3,333 | 897 | 880 | 906 | 1,022 | 3,706 | 960 | 1,026 | 0 | 0 | 7.0% | 16.6% | -100.0% | -100.0% | 897 | 960 | 7.0% | 1,778 | 1,987 | 11.7% | 2,684 | 0 | -100.0% | 3,706 | 0 | -100.0% | |||||
| of which current income from interest | 2,713 | 2,532 | 647 | 633 | 650 | 691 | 2,622 | 701 | 741 | 0 | 0 | 8.4% | 17.1% | -100.0% | -100.0% | 647 | 701 | 8.4% | 1,280 | 1,443 | 12.7% | 1,930 | 0 | -100.0% | 2,622 | 0 | -100.0% | |||||
| of which dividends | 75 | 137 | 22 | 31 | 17 | 16 | 85 | 41 | 45 | 0 | 0 | 86.1% | 46.5% | -100.0% | -100.0% | 22 | 41 | 86.1% | 53 | 86 | 63.0% | 69 | 0 | -100.0% | 85 | 0 | -100.0% | |||||
| of which current income from real estate | 332 | 306 | 71 | 85 | 94 | 112 | 362 | 96 | 116 | 0 | 0 | 34.4% | 36.6% | -100.0% | -100.0% | 71 | 96 | 34.4% | 156 | 211 | 35.6% | 250 | 0 | -100.0% | 362 | 0 | -100.0% | |||||
| Extraordinary investment income | ||||||||||||||||||||||||||||||||
| Realised net gains/losses on disposal of investments | 938 | 1,206 | 395 | 333 | 330 | 259 | 1,318 | 170 | -27 | 0 | 0 | -56.9% | -108.2% | -100.0% | -100.0% | 395 | 170 | -56.9% | 728 | 143 | -80.4% | 1,059 | 0 | -100.0% | 1,318 | 0 | -100.0% | |||||
| Unrealised gains/losses of investments | 131 | 77 | -33 | -6 | -11 | 75 | 25 | 1 | -48 | 0 | 0 | -102.9% | 736.5% | -100.0% | -100.0% | -33 | 1 | -102.9% | -39 | -47 | 20.7% | -50 | 0 | -100.0% | 25 | 0 | -100.0% | |||||
| Depreciation of and impairment losses/reversals of impairment losses on investment | -169 | -301 | -67 | -68 | -60 | -70 | -265 | -49 | -112 | 0 | 0 | -27.6% | 65.4% | -100.0% | -100.0% | -67 | -49 | -27.6% | -135 | -161 | 19.2% | -195 | 0 | -100.0% | -265 | 0 | -100.0% | |||||
| Other investment expenses | 272 | 284 | 67 | 83 | 77 | 96 | 323 | 86 | 74 | 0 | 0 | 27.4% | -10.8% | -100.0% | -100.0% | 67 | 86 | 27.4% | 150 | 160 | 6.4% | 227 | 0 | -100.0% | 323 | 0 | -100.0% | |||||
| Income from assets under own management | 4,130 | 4,030 | 1,125 | 1,057 | 1,088 | 1,190 | 4,460 | 997 | 765 | 0 | 0 | -11.4% | -27.6% | -100.0% | -100.0% | 1,125 | 997 | -11.4% | 2,183 | 1,763 | -19.2% | 3,270 | 0 | -100.0% | 4,460 | 0 | -100.0% | |||||
| Net interest income from funds withheld and contract deposits | 190 | 210 | 127 | 38 | 39 | 50 | 255 | 52 | 70 | 0 | 0 | -59.3% | 81.6% | -100.0% | -100.0% | 127 | 52 | -59.3% | 165 | 122 | -26.5% | 204 | 0 | -100.0% | 255 | 0 | -100.0% | |||||
| Net income from investment contracts | 3 | 0 | 1 | 0 | 1 | 1 | 3 | 1 | 1 | 0 | 0 | 15.7% | 177.6% | -100.0% | -100.0% | 1 | 1 | 15.7% | 2 | 3 | 64.6% | 3 | 0 | -100.0% | 3 | 0 | -100.0% | |||||
| Total net investment income | 4,323 | 4,240 | 1,253 | 1,096 | 1,128 | 1,241 | 4,718 | 1,050 | 837 | 0 | 0 | -16.2% | -23.7% | -100.0% | -100.0% | 1,253 | 1,050 | -16.2% | 2,350 | 1,887 | -19.7% | 3,477 | 0 | -100.0% | 4,718 | 0 | -100.0% | |||||
| of which Industrial Lines | 285 | 254 | 77 | 64 | 79 | 80 | 300 | 56 | 63 | 0 | 0 | -27.5% | -1.4% | -100.0% | -100.0% | 77 | 56 | -27.5% | 141 | 119 | -15.7% | 225 | 0 | -100.0% | 307 | 0 | -100.0% | |||||
| of which Retail Germany - Property/Casualty | 119 | 88 | 29 | 24 | 26 | 50 | 129 | 24 | 13 | 0 | 0 | -16.4% | -45.1% | -100.0% | -100.0% | 29 | 24 | -16.4% | 53 | 37 | -29.4% | 79 | 0 | -100.0% | 130 | 0 | -100.0% | |||||
| of which Retail Germany - Life | 1,786 | 1,903 | 609 | 505 | 458 | 431 | 2,002 | 379 | 168 | 0 | 0 | -37.7% | -66.8% | -100.0% | -100.0% | 609 | 379 | -37.7% | 1,114 | 547 | -50.9% | 1,603 | 0 | -100.0% | 2,052 | 0 | -100.0% | |||||
| of which |
381 | 326 | 97 | 97 | 84 | 96 | 374 | 101 | 93 | 0 | 0 | 3.5% | -4.7% | -100.0% | -100.0% | 97 | 101 | 3.5% | 194 | 193 | -0.6% | 287 | 0 | -100.0% | 386 | 0 | -100.0% | |||||
| of which Property/Casualty Reinsurance | 1,093 | 1,005 | 275 | 321 | 407 | 348 | 1,352 | 313 | 396 | 0 | 0 | 13.8% | 23.3% | -100.0% | -100.0% | 275 | 313 | 13.8% | 596 | 709 | 18.9% | 1,013 | 0 | -100.0% | 1,365 | 0 | -100.0% | |||||
| of which Life/Health Reinsurance | 682 | 693 | 172 | 108 | 85 | 231 | 596 | 177 | 107 | 0 | 0 | 3.2% | -0.5% | -100.0% | -100.0% | 172 | 177 | 3.2% | 280 | 285 | 1.8% | 369 | 0 | -100.0% | 602 | 0 | -100.0% | |||||
| of which Corporate Operations | -84 | -94 | -22 | -39 | -29 | -21 | -111 | -19 | -20 | 0 | 0 | -11.8% | -48.6% | -100.0% | -100.0% | -22 | -19 | -11.8% | -61 | -39 | -35.5% | -98 | 0 | -100.0% | -124 | 0 | -100.0% | |||||
| of which Consolidation | 59 | 65 | 16 | 16 | 18 | 26 | 76 | 19 | 17 | 17.6% | 5.3% | 16 | 19 | 17.6% | 32 | 36 | 11.4% | |||||||||||||||
| Net retuon investment | 3.5% | 3.2% | 3.5% | 3.2% | 3.3% | 3.5% | 3.4% | 3.0% | 2.3% | 3.3% | 3.5% | -0.5% | -0.9% | 0.0% | 0.0% | pts. | 3.5% | 3.0% | -0.5% | pts. | 3.3% | 2.7% | -0.7% | pts. | 3.1% | 3.3% | 0.2% | pts. | 3.4% | 3.4% | 0.0% | pts. |
| Current retuon investment | 2.8% | 2.4% | 2.6% | 2.4% | 2.5% | 2.7% | 2.6% | 2.6% | 2.9% | 2.5% | 2.7% | 0.0% | 0.5% | 0.0% | 0.0% | pts. | 2.6% | 2.6% | 0.0% | pts. | 2.5% | 2.8% | 0.3% | pts. | 2.4% | 2.5% | 0.1% | pts. | 2.6% | 2.6% | 0.0% | pts. |
| Breakdown of assets under own management by asset class | 31.03.2022 vs. 31.12.2021 | 30.06.2022 vs. 31.12.2021 | 30.09.2022 vs. 31.12.2021 | 31.12.2022 vs. 31.12.2021 | ||||||||||||||||||||||||||||
| 12/31/19 | 12/31/20 | 3/31/21 | 6/30/21 | 9/30/21 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | |||||||||||||||||||||||
| Investment property | 3,193 | 3,250 | 3,706 | 3,823 | 4,056 | 4,650 | 4,854 | 4,899 | 0 | 0 | 4.4% | 5.3% | -100.0% | -100.0% | ||||||||||||||||||
| Shares in affiliated companies and participating interests | 398 | 572 | 582 | 604 | 605 | 511 | 530 | 542 | 0 | 0 | 3.6% | 6.2% | -100.0% | -100.0% | ||||||||||||||||||
| Shares in associates and joint ventures | 337 | 438 | 526 | 519 | 535 | 504 | 536 | 544 | 0 | 0 | 6.4% | 8.1% | -100.0% | -100.0% | ||||||||||||||||||
| Loans and receivables | n/a | n/a | n/a | n/a | ||||||||||||||||||||||||||||
| Loans including mortgage loans | 413 | 459 | 488 | 528 | 547 | 687 | 698 | 745 | 0 | 0 | 1.6% | 8.5% | -100.0% | -100.0% | ||||||||||||||||||
| Loans and receivables due from government or quasi-governmental entities and fixed-income securities | 27,228 | 26,726 | 26,654 | 26,160 | 25,479 | 25,049 | 24,833 | 24,614 | 0 | 0 | -0.9% | -1.7% | -100.0% | -100.0% | ||||||||||||||||||
| Held-to-maturity financial instruments | 336 | 474 | 443 | 433 | 373 | 356 | 365 | 403 | 0 | 0 | 2.6% | 13.3% | -100.0% | -100.0% | ||||||||||||||||||
| Available-for-sale financial instruments | n/a | n/a | n/a | n/a | ||||||||||||||||||||||||||||
| Fixed-income securities | 81,483 | 86,742 | 87,853 | 89,763 | 91,542 | 92,634 | 88,398 | 84,312 | 0 | 0 | -4.6% | -9.0% | -100.0% | -100.0% | ||||||||||||||||||
| Variable-yield securities | 2,067 | 2,725 | 2,869 | 3,101 | 3,357 | 3,765 | 4,148 | 4,056 | 0 | 0 | 10.2% | 7.7% | -100.0% | -100.0% | ||||||||||||||||||
| Financial instruments at fair value through profit or loss | n/a | n/a | n/a | |||||||||||||||||||||||||||||
| Fixed-income securities | 1,128 | 585 | 577 | 595 | 576 | 541 | 581 | 609 | 0 | 0 | 7.4% | 12.6% | -100.0% | -100.0% | ||||||||||||||||||
| Variable-yield securities | 147 | 40 | 46 | 50 | 46 | 50 | 41 | 46 | 0 | 0 | -18.8% | -9.3% | -100.0% | -100.0% | ||||||||||||||||||
| Financial instruments held for trading | n/a | n/a | n/a | n/a | ||||||||||||||||||||||||||||
| Fixed-income securities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | n/a | n/a | n/a | ||||||||||||||||||
| Variable-yield securities | 122 | 135 | 128 | 142 | 149 | 164 | 142 | 134 | 0 | 0 | -13.4% | -17.9% | -100.0% | -100.0% | ||||||||||||||||||
| Derivatives | 321 | 307 | 266 | 283 | 285 | 341 | 360 | 418 | 0 | 0 | 5.8% | 22.6% | -100.0% | -100.0% | ||||||||||||||||||
| Other investments | 5,465 | 5,849 | 6,863 | 6,651 | 6,922 | 6,821 | 8,012 | 7,846 | 0 | 0 | 17.5% | 15.0% | -100.0% | -100.0% | ||||||||||||||||||
| Assets under own management at period end | 122,638 | 128,301 | 131,000 | 132,650 | 134,473 | 136,073 | 133,498 | 129,170 | 0 | 0 | -1.9% | -5.1% | -100.0% | -100.0% | ||||||||||||||||||
| Average assets under own management | 127,708 | 129,651 | 131,825 | 133,562 | 135,273 | 134,786 | 131,334 | 64,585 | 0 | -0.4% | -2.9% | -52.3% | -100.0% | |||||||||||||||||||
| Breakdown of fixed-income securities | ||||||||||||||||||||||||||||||||
| By rating | 12/31/19 | 12/31/20 | 3/31/21 | 6/30/21 | 9/30/21 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | ||||||||||||||||||||||
| 40% | 42% | 42% | 41% | 40% | 41% | 41% | 42% | 40% | 41% | |||||||||||||||||||||||
| AA | 21% | 19% | 18% | 19% | 19% | 19% | 18% | 17% | 19% | 19% | ||||||||||||||||||||||
| A | 14% | 15% | 16% | 16% | 16% | 16% | 16% | 16% | 16% | 16% | ||||||||||||||||||||||
| BBB | 19% | 18% | 19% | 19% | 19% | 18% | 18% | 18% | 19% | 18% | ||||||||||||||||||||||
| BB and below | 3% | 3% | 3% | 3% | 3% | 3% | 3% | 3% | 3% | 3% | ||||||||||||||||||||||
| Non-rated | 3% | 2% | 2% | 2% | 3% | 3% | 3% | 3% | 3% | 3% | ||||||||||||||||||||||
| Total | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | ||||||||||||||||||||||
| By currency | 12/31/19 | 12/31/20 | 3/31/21 | 6/30/21 | 9/30/21 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | ||||||||||||||||||||||
| EUR | 66% | 68% | 66% | 66% | 65% | 65% | 64% | 62% | 65% | 65% | ||||||||||||||||||||||
| USD | 19% | 18% | 19% | 19% | 20% | 20% | 20% | 22% | 20% | 20% | ||||||||||||||||||||||
| GBP | 3% | 3% | 3% | 3% | 3% | 3% | 3% | 3% | 3% | 3% | ||||||||||||||||||||||
| PLN | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% | ||||||||||||||||||||||
| Other currencies | 9% | 9% | 9% | 10% | 10% | 10% | 11% | 11% | 9% | 10% | ||||||||||||||||||||||
| Total | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | ||||||||||||||||||||||
| By duration | 12/31/19 | 12/31/20 | 3/31/21 | 6/30/21 | 9/30/21 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | ||||||||||||||||||||||
| Up to 1 year | 7% | 5% | 5% | 5% | 6% | 6% | 6% | 7% | 6% | 6% | ||||||||||||||||||||||
| 1 to 5 years | 22% | 23% | 24% | 23% | 25% | 25% | 26% | 28% | 25% | 25% | ||||||||||||||||||||||
| 5 to 10 years | 31% | 30% | 30% | 30% | 28% | 28% | 28% | 28% | 28% | 28% | ||||||||||||||||||||||
| More than 10 years | 41% | 42% | 42% | 42% | 41% | 41% | 40% | 37% | 41% | 41% | ||||||||||||||||||||||
| Total | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Equity
| Change in Equity | 31.03.2022 vs. 31.12.2021 | 30.06.2022 vs. 31.12.2021 | 30.09.2022 vs. 31.12.2021 | 31.12.2022 vs. 31.12.2021 | |||||||||||
| 12/31/19 | 12/31/20 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | abs | in % | abs | in % | abs | in % | abs | in % | |
| Subscribed capital | 316 | 316 | 316 | 316 | 316 | 0 | 0 | -0 | -0.00% | -0 | -0.00% | -316 | -100.00% | -316 | -100.00% |
| Capital reserves | 1,373 | 1,373 | 1,385 | 1,385 | 1,385 | 0 | 0 | -0 | -0.00% | -0 | -0.00% | -1,385 | -100.00% | -1,385 | -100.00% |
| Retained earnings | 7,795 | 8,061 | 8,709 | 8,959 | 8,856 | 0 | 0 | 251 | 2.88% | 148 | 1.70% | -8,709 | -100.00% | -8,709 | -100.00% |
| Accumulated other comprehensive income and other reserves | 665 | 617 | 366 | -864 | -2,318 | 0 | 0 | -1,230 | -336.11% | -2,684 | -733.25% | -366 | -100.00% | -366 | -100.00% |
| Group equity | 10,149 | 10,367 | 10,776 | 9,797 | 8,240 | 0 | 0 | -980 | -9.09% | -2,536 | -23.53% | -10,776 | -100.00% | -10,776 | -100.00% |
| Non-controlling interests in equity | 6,461 | 6,732 | 7,169 | 6,491 | 5,603 | 0 | 0 | -678 | -9.46% | -1,567 | -21.85% | -7,169 | -100.00% | -7,169 | -100.00% |
| Total equity | 16,610 | 17,099 | 17,945 | 16,288 | 13,843 | 0 | 0 | -1,658 | -9.24% | -4,103 | -22.86% | -17,945 | -100.00% | -17,945 | -100.00% |
| 31.03.2022 vs. 31.12.2021 | 30.06.2022 vs. 31.12.2021 | 30.09.2022 vs. 31.12.2021 | 31.12.2022 vs. 31.12.2021 | ||||||||||||
| Equity1 by division incl. non-controlling interests | |||||||||||||||
| 12/31/19 | 12/31/20 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | abs | in % | abs | in % | abs | in % | abs | in % | |
| Industrial Lines | 2,378 | 2,214 | 2,153 | 1,981 | 1,864 | 0 | 0 | -172 | -7.98% | -290 | -13.45% | -2,153 | -100.00% | -2,153 | -100.00% |
| of which non-controlling interests | 62 | 66 | 4 | 4 | 0 | 69 | 4 | 0 | 7.36% | -4 | -100.00% | 66 | 1783.83% | 0 | 0.00% |
| Retail |
2,572 | 2,814 | 2,660 | 2,414 | 2,098 | 0 | 0 | -246 | -9.26% | -562 | -21.14% | -2,660 | -100.00% | -2,660 | -100.00% |
| of which non-controlling interests | 76 | 97 | 79 | 68 | 57 | 76 | 79 | -11 | -13.38% | -21 | -27.13% | -3 | -3.19% | 0 | 0.00% |
| 2,335 | 2,588 | 2,417 | 2,375 | 2,122 | 0 | 0 | -42 | -1.74% | -294 | -12.18% | -2,417 | -100.00% | -2,417 | -100.00% | |
| of which non-controlling interests | 251 | 273 | 233 | 224 | 247 | 252 | 233 | -9 | -3.87% | 14 | 6.15% | 19 | 8.11% | 0 | 0.00% |
| Reinsurance | 11,166 | 11,650 | 12,712 | 11,442 | 9,639 | 0 | 0 | -1,270 | -9.99% | -3,073 | -24.18% | -12,712 | -100.00% | -12,712 | -100.00% |
| of which non-controlling interests | 6,654 | 6,350 | 6,854 | 6,195 | 5,298 | 7,268 | 6,854 | -659 | -9.61% | -1,556 | -22.70% | 414 | 6.05% | 0 | 0.00% |
| Corporate Operations | -1,889 | -2,212 | -2,055 | -2,020 | -1,954 | 0 | 0 | 35 | -1.69% | 101 | -4.91% | 2,055 | -100.00% | 2,055 | -100.00% |
| of which non-controlling interests | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | n/a | 0 | n/a | 0 | n/a | 0 | n/a |
| Consolidation | 47 | 44 | 58 | 70 | 75 | 0 | 0 | 11 | 19.55% | 16 | 27.64% | -58 | -100.00% | -58 | -100.00% |
| of which non-controlling interests | -582 | -53 | 0 | 0 | 0 | -729 | 0 | 0 | n/a | 0 | n/a | -729 | n/a | 0 | n/a |
| Total equity | 16,610 | 17,099 | 17,945 | 16,288 | 13,843 | 0 | 0 | -1,658 | -9.24% | -4,103 | -22.86% | -17,945 | -100.00% | -17,945 | -100.00% |
| Group equity | 10,149 | 10,367 | 10,776 | 9,797 | 8,240 | 0 | 0 | -980 | -9.09% | -2,536 | -23.53% | -10,776 | -100.00% | -10,776 | -100.00% |
| Non-controlling interests | 6,461 | 6,732 | 7,169 | 6,491 | 5,603 | 0 | 0 | -678 | -9.46% | -1,567 | -21.85% | -7,169 | -100.00% | -7,169 | -100.00% |
| 1 Equity for the divisions is defined as the difference between assets and liabilities of the division concerned |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Solvency
| Development of Solvency 2 capitalisation | |||||||
| 12/31/17 | 12/31/18 | 12/31/19 | 12/31/20 | 12/31/21 | 3/31/22 | 6/30/22 | |
| Eligible Own Funds (excluding transitional) | 17,008 | 17,407 | 19,419 | 18,876 | 21,924 | 22,505 | 21,976 |
| Solvency capital requirement (excluding transitional) | 8,259 | 8,345 | 9,224 | 9,179 | 10,533 | 10,509 | 10,416 |
| Solvency 2 ratio (excluding transitional) | 206% | 209% | 211% | 206% | 208% | 214% | 211% |
| Market risk ratio | 44% | 44% | 43% | 41% | 40% | 40% | 40% |
| As-if Solvency 2 CAR for the four German life entities (excl. transitional) | |||||||
| n/a | n/a | n/a | 169% | 291% | 318% | 349% |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
&8&P/&N
Exchange rates
| Exchange rates for our key foreign currencies | |||||||||||||||||||||||
| Balance sheet (reporting date) | Statement of income (average) | Statement of income (average) | Statement of income (average) | Statement of income (average) | |||||||||||||||||||
| 3M 2022 vs. 3M 2021 | 6M 2022 vs. 6M 2021 | 9M 2022 vs. 9M 2021 | 2022A vs. 2021A | ||||||||||||||||||||
| EUR 1 corresponds to | 12/31/18 | 12/31/19 | 12/31/20 | 3/31/21 | 6/30/21 | 9/30/21 | 12/31/21 | 3/31/22 | 6/30/22 | 9/30/22 | 12/31/22 | 3M 2021 | 3M 2022 | 6M 2021 | 6M 2022 | 9M 2021 | 9M 2022 | 2021A | 2022A | ||||
| AUD | 1.6000 | 1.5596 | 1.5407 | 1.5846 | 1.6087 | 1.5596 | 1.4837 | 1.5106 | 1.6087 | 1.5596 | 1.5720 | 1.5439 | -1.79% | 1.5725 | 1.5215 | -3.24% | 1.5845 | 1.5845 | 0.00% | 1.5800 | 1.5800 | 0.00% | |
| BRL | 4.5128 | 6.4086 | 6.7732 | 5.8928 | 6.2684 | 6.4086 | 5.2974 | 5.3833 | 6.2684 | 6.4086 | 6.6173 | 5.8681 | -11.32% | 6.4562 | 5.5940 | -13.36% | 6.3639 | 6.3639 | 0.00% | 6.3833 | 6.3833 | 0.00% | |
| CAD | 1.4620 | 1.4491 | 1.4779 | 1.4728 | 1.4748 | 1.4491 | 1.3901 | 1.3427 | 1.4748 | 1.4491 | 1.5337 | 1.4217 | -7.31% | 1.5092 | 1.3900 | -7.90% | 1.5007 | 1.5007 | 0.00% | 1.4882 | 1.4882 | 0.00% | |
| CNY | 7.8181 | 7.2297 | 7.6834 | 7.6805 | 7.4841 | 7.2297 | 7.0418 | 6.9657 | 7.4841 | 7.2297 | 7.8352 | 7.1086 | -9.27% | 7.8006 | 7.0695 | -9.37% | 7.7417 | 7.7417 | 0.00% | 7.6408 | 7.6408 | 0.00% | |
| GBP | 0.8520 | 0.8393 | 0.8520 | 0.8578 | 0.8608 | 0.8393 | 0.8459 | 0.8581 | 0.8608 | 0.8393 | 0.8772 | 0.8382 | -4.45% | 0.8708 | 0.8432 | -3.17% | 0.8667 | 0.8667 | 0.00% | 0.8617 | 0.8617 | 0.00% | |
| JPY | 122.1900 | 130.5000 | 129.8900 | 131.4500 | 129.6400 | 130.5000 | 135.0300 | 141.6500 | 129.6400 | 130.5000 | 128.0850 | 130.9200 | 2.21% | 129.8814 | 134.2529 | 3.37% | 129.9180 | 129.9180 | 0.00% | 130.0415 | 130.0415 | 0.00% | |
| MXN | 21.0814 | 23.2733 | 24.0654 | 23.5966 | 23.7584 | 23.2733 | 22.0828 | 21.0081 | 23.7584 | 23.2733 | 24.5941 | 22.8698 | -7.01% | 24.3613 | 22.1267 | -9.17% | 24.1661 | 24.1661 | 0.00% | 24.0952 | 24.0952 | 0.00% | |
| PLN | 4.2576 | 4.5982 | 4.6554 | 4.5181 | 4.6325 | 4.5982 | 4.6531 | 4.6869 | 4.6325 | 4.5982 | 4.5566 | 4.6314 | 1.64% | 4.5420 | 4.6380 | 2.11% | 4.5522 | 4.5522 | 0.00% | 4.5699 | 4.5699 | 0.00% | |
| USD | 1.1190 | 1.1344 | 1.1730 | 1.1894 | 1.1576 | 1.1344 | 1.1102 | 1.0392 | 1.1576 | 1.1344 | 1.2069 | 1.1200 | -7.20% | 1.2064 | 1.0921 | -9.48% | 1.1975 | 1.1975 | 0.00% | 1.1853 | 1.1853 | 0.00% |
&"Arial,Fett"&K04+000Talanx Group - Financial Data Supplement Q2 2022 &G
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