Erste Bank JPMorgan Merrill Lynch International

Premiums written
in EUR ’000
Property/Casualty
2006
Life
2006
Health
2006
GROSS
Direct business . . . . . . . . . . . . . . . . . . . . . . 3,038,811 2,502,848 297,720 5,839,379
Austria . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,399,358 1,711,393 297,720 3,408,471
Czech Republic . . . . . . . . . . . . . . . . . . . . 783,686 259,513 0 1,043,199
Slovakia . . . . . . . . . . . . . . . . . . . . . . . . . . 246,392 141,215 0 387,607
Poland . . . . . . . . . . . . . . . . . . . . . . . . . . . 215,707 119,340 0 335,047
Romania . . . . . . . . . . . . . . . . . . . . . . . . . 213,814 12,092 0 225,906
Other CEE . . . . . . . . . . . . . . . . . . . . . . . . 117,689 80,684 0 198,373
Other markets . . . . . . . . . . . . . . . . . . . . . 62,165 178,611 0 240,776
Indirect business . . . . . . . . . . . . . . . . . . . . . 28,340 13,611 180 42,131
Premiums written ..................... 3,067,151 2,516,459 297,900 5,881,510
CEDED TO REINSURERS . . . . . . . . . . . . . . . �753,461 �38,415 �983 �792,859
Premiums written — retained ............ 2,313,690 2,478,044 296,917 5,088,651
Net earned premiums
in EUR ’000
Property/Casualty
2006
Life
2006
Health
2006
GROSS
Direct business . . . . . . . . . . . . . . . . . . . . . . 2,979,545 2,502,410 297,324 5,779,279
Indirect business . . . . . . . . . . . . . . . . . . . . . 28,937 13,586 180 42,703
Net earned premiums .................. 3,008,482 2,515,996 297,504 5,821,982
CEDED TO REINSURERS . . . . . . . . . . . . . . . �743,778 �38,542 �984 �783,304
Net earned premiums — retained. ........ 2,264,704 2,477,454 296,520 5,038,678
Gross premiums written — Property/casualty insurance
in EUR ’000
Gross
2007
Ceded to
reinsurers
2007
Retained
2007
Direct business
Insurance for business interruption following
fire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 456,168 �264,900 191,268 404,634
Household insurance. . . . . . . . . . . . . . . . . . . . . 183,343 �23,236 160,107 165,942
Other non-life insurance . . . . . . . . . . . . . . . . . . 310,727 �126,248 184,479 251,912
Motor vehicle liability insurance . . . . . . . . . . . . . 1,077,546 �152,862 924,684 903,947
Other motor vehicle insurance. . . . . . . . . . . . . . 820,445 �50,482 769,963 599,171
Casualty insurance . . . . . . . . . . . . . . . . . . . . . . 244,825 �39,594 205,231 214,307
Liability insurance . . . . . . . . . . . . . . . . . . . . . . . 235,279 �44,341 190,938 209,641
Legal expenses insurance . . . . . . . . . . . . . . . . . 43,360 �349 43,011 42,158
Marine, aviation, and transport insurance . . . . . 59,052 �36,626 22,426 44,103
Credit and guarantee insurance. . . . . . . . . . . . . 56,979 �2,712 54,267 35,007
Other insurance . . . . . . . . . . . . . . . . . . . . . . . . 159,792 �24,358 135,434 167,989
Subtotal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Indirect business
3,647,516 �765,708 2,881,808 3,038,811
Marine, aviation, and transport insurance . . . . . 1,401 �93 1,308 1,022
Other insurance . . . . . . . . . . . . . . . . . . . . . . . . 22,251 �18,331 3,920 27,318
Subtotal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23,652 �18,424 5,228 28,340
Total .................................. 3,671,168 �784,132 2,887,036 3,067,151
A portion of the earned premiums of EUR 22,868,000 (EUR 29,937,000) from indirect business
in the property/casualty insurance area and EUR 3,264,000 (EUR 13,586,000) in the life insurance
area were included in the income statement after being deferred by one year.
F-61
Total
2006
Total
2006
Gross
2006