Key figures
| 1-12/ 2011 | 1-9/ 2011 | 1-6/ 2011 | 1-3/ 2011 | 1-12/ 2010 | 1-9/ 2010 | 1-6/ 2010 | 1-3/ 2010 | |
|---|---|---|---|---|---|---|---|---|
| Earnings per share, EUR | 0.53 | 0.42 | 0.33 | 0.20 | 0.83 | 0.69 | 0.43 | 0.18 |
| Equity per share, EUR | 7.0 | 6.90 | 6.43 | 6.14 | 6.81 | 7.30 | 6.89 | 6.86 |
| Return on equity (ROE), % | 7.2 | 7.5 | 9.4 | 11.9 | 12.0 | 12.8 | 12.4 | 10.5 |
| Total earnings per share, EUR | 0.46 | 0.40 | -0.08 | -0.37 | 0.52 | 1.01 | 0.61 | 0.58 |
| Capital adequacy ratio, % (conglomerate) | 163.5 | 162.6 | 156.5 | 152.6 | 159.4 | 171.0 | 164.5 | 162.4 |
| Average number of shares, million | 66.5 | 66.5 | 66.5 | 66.5 | 66.5 | 66.5 | 66.5 | 66.5 |
| Number of shares at end of period, million | 66.5 | 66.5 | 66.5 | 66.5 | 66.5 | 66.5 | 66.5 | 66.5 |
| Personnel (FTEs), average number of employees from the beginning of the financial year | 1,192 | 1,190 | 1,192 | 1,194 | 1,183 | 1,186 | 1,195 | 1,202 |
| Banking Business (incl. Private Banking) | ||||||||
| Cost-to-income ratio | 0.73 | 0.72 | 0.68 | 0.63 | 0.59 | 0.56 | 0.55 | 0.57 |
| Borrowing from the public, EUR million | 3,645 | 3,576 | 3,492 | 3,415 | 3,397 | 3,370 | 3,351 | 3,180 |
| Lending to the public, EUR million | 7,063 | 6,938 | 6,805 | 6,660 | 6,592 | 6,485 | 6,346 | 6,177 |
| Capital adequacy ratio, % | 16.2 | 16.6 | 16.6 | 16.0 | 15.9 | 17.0 | 16.5 | 16.2 |
| Tier 1 capital ratio, % | 10.6 | 10.8 | 10.8 | 10.3 | 10.1 | 10.4 | 10.1 | 9.6 |
| Risk-weighted commitments, EUR million | 3,694 | 3,643 | 3,649 | 3,657 | 3,673 | 3,583 | 3,555 | 3,527 |
| Asset Management | ||||||||
| Mutual fund volume, EUR million | 3,613 | 3,379 | 4,148 | 4,125 | 4,264 | 4,028 | 3,771 | 4,096 |
| Managed and brokered assets, EUR million | 6,624 | 6,205 | 7,049 | 6,922 | 6,978 | 6,658 | 6,301 | 6,382 |
| Life Insurance | ||||||||
| Premium income before reinsurers' share, EUR million | 103.5 | 78.0 | 58.7 | 34.8 | 101.2 | 71.0 | 50.5 | 26.1 |
| Expense ratio, % | 91.7 | 95.5 | 98.4 | 97.5 | 93.6 | 95.0 | 96.7 | 104.4 |
| Solvency margin, EUR million | 117.3 | 116.4 | 96.9 | 85.9 | 98.8 | 114.2 | 100.7 | 97.0 |
| Solvency ratio, % | 20.7 | 19.2 | 15.9 | 14.1 | 16.1 | 18.6 | 16.6 | 16.0 |
| Investments at fair value, EUR million | 911.6 | 934.1 | 950.0 | 944.5 | 951.3 | 937.1 | 909.2 | 908.4 |
| Technical provisions for interest-linked policies, EUR million | 533.4 | 575.5 | 581.1 | 586.8 | 587.7 | 588.4 | 589.6 | 593.4 |
| Technical provisions for unit-linked policies, EUR million | 284.8 | 269.6 | 298.5 | 297.4 | 282.4 | 254.3 | 236.1 | 233.4 |
| Non-Life Insurance | ||||||||
| Premium income before reinsurers' share, EUR million | 69.8 | 58.6 | 46.2 | 31.2 | 67.2 | 56.3 | 44.3 | 29.6 |
| Premium income, EUR million | 64.3 | 48.4 | 32.1 | 16.5 | 61.4 | 46.2 | 30.6 | 14.8 |
| Expense ratio, % | 26.9 | 25.9 | 25.9 | 23.7 | 26.5 | 25.2 | 25.0 | 24.5 |
| Loss ratio, % | 78.5 | 77.8 | 82.6 | 87.9 | 80.0 | 79.6 | 82.2 | 87.1 |
| Combined ratio, % | 105.4 | 103.7 | 108.5 | 111.6 | 106.6 | 104.8 | 107.2 | 111.5 |
| Technical provisions before reinsurers' share, EUR million | 123.3 | 127.4 | 133.1 | 135.3 | 119.7 | 126.2 | 131.6 | 134.0 |
| Solvency capital, EUR million | 53.2 | 55.5 | 46.9 | 42.2 | 46.6 | 51.3 | 47.1 | 45.2 |
| Solvency ratio of technical provisions, % | 46.9 | 48.0 | 38.7 | 34.6 | 43.6 | 45.2 | 39.6 | 38.1 |
| Risk carrying capacity, % | 83.2 | 88.3 | 75.7 | 67.9 | 76.8 | 84.6 | 76.6 | 74.0 |