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Life Insurance Key Figures

Profit before taxes
Formula shown above in connection with the Group key figures.
Return on equity (at fair values), %
Formula shown above in connection with the Group key figures.
Expense ratio
+ operating expenses before change in deferred acquisition costs
+ claims settlement expenses x 100%
expense charges
Solvency capital (IFRS)
+ equity after proposed profit distribution
± valuation differences on investment
- intangible assets
+ subordinated loans
- deferred tax liability probably realised in near future
(incl. deferred tax from fair value reserve and profit)
± other required items (Ministry of Finance decree)
Solvency ratio, % of technical provision, IFRS
+ solvency capital x 100%
+ liabilities for insurance and investment contracts
- reinsurers’ share of insurance liabilities
- 75% x technical provisions relating to unit-linked insurance
Note
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