GENERAL MEETING DRAFT - Bankier.pl

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In 2009 the item Premiums earned, which comprises the insurance premiums from the life and non-life
business, amounted to �87m, down by �24m (or 22%) from the �112m in 2008.
9.1 Premiums earned (net): breakdown (� '000)
2009
2008
Direct
Indirect
Premiums coming from insurance business
business business Total Total
A. Life business
A.1 Gross premiums written (+) 16,393 - 16,393 22,197
A.2 Reinsurance premiums paid (-) (1,028) X (1,028) (1,657)
A.3 Total
B. Non-life business
15,365 - 15,365 20,540
B.1 Gross premiums written (+) 99,604 729 100,333 127,296
B.2 Reinsurance premiums paid (-) (25,170) X (25,170) (33,120)
B.3 Change in gross value of premium reserve (+/-)
B.4 Change in provision for unearned premiums ceded to
(1,082) - (1,082) (5,555)
reinsurers (-/+) (2,094) - (2,094) 2,584
B.5 Total 71,258 729 71,987 91,205
C. Total net premiums 86,623 729 87,352 111,745
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The item Other income (net) from insurance activities, which mainly consists of claims paid (�93m in
both years under review) showed a loss of �80m, which was fairly in line with the 2008 figure (�86m),
10.1 Other income (net) from insurance business: breakdown (� '000)
Items 2009 2008
1. Net change in insurance provisions 6,552 (15,139)
2. Claims paid pertaining to the year (93,166) (92,807)
3. Other income and expense from insurance business 6,589 21,759
Total (80,025) (86,187)
10.2 Net change in insurance provisions: breakdown (� '000)
Items
1. Life business
2009 2008
A. Actuarial provisions 6,552 (15,139)
A.1 Gross amount for the year 6,552 (15,139)
A.2 (-) Amount attributable to reinsurers - -
B. Other insurance provisions - -
B.1 Gross amount for the year - -
B.2 (-) Amount attributable to reinsurers - -
C. Insurance reserves when investments risk is borne by the insured party - -
C.1 Gross amount for the year - -
C.2 (-) Amount attributable to reinsurers - -
Total "Life business provisions"
2. Non-life business
Change in provisions for non-life business other than claim provisions,
6,552 (15,139)
net of amounts ceded to reinsurers - -
2009 CONSOLIDATED REPORTS AND ACCOUNTS
304