Erste Bank JPMorgan Merrill Lynch International

Detail
in EUR ’000
Property/Casualty
2006
Life
2006
Health
2006
Other underwriting income . . . . . . . . . . . . . . . . . . . . . . 27,929 9,903 300 38,132
Other non-underwriting income . . . . . . . . . . . . . . . . . . . 11,832 11,446 2 23,280
Total ...................................... 39,761 21,349 302 61,412
31. EXPENSES FOR CLAIMS AND INSURANCE BENEFITS
Detail
in EUR ’000
Gross
2007
Ceded to
reinsurers
2007
Total
2006
Retained
2007
Property/casualty insurance
Expenses for insurance claims
Claims and benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,917,993 �386,330 1,531,663
Changes in provisions for outstanding claims . . . . . . . . . . . . . 265,038 �53,785 211,253
SUBTOTAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,183,031 �440,115 1,742,916
Change in mathematical reserve . . . . . . . . . . . . . . . . . . . . . . . . 1 3 4
Change in other underwriting provisions . . . . . . . . . . . . . . . . . . 1,071 �64 1,007
Expenses for the refund of premiums not dependent on profit . . 21,432 �998 20,434
TOTAL EXPENSES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,205,535 �441,174 1,764,361
Life insurance
Expenses for insurance benefits
Claims and benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,449,787 �25,255 1,424,532
Changes in provisions for outstanding claims . . . . . . . . . . . . . 14,845 �998 13,847
SUBTOTAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,464,632 �26,253 1,438,379
Change in mathematical reserve . . . . . . . . . . . . . . . . . . . . . . . . 1,299,023 �23,569 1,275,454
Change in other underwriting provisions . . . . . . . . . . . . . . . . . . 267 0 267
Expenses for the refund of premiums dependent to and not
dependent on profit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 286,140 �14 286,126
TOTAL EXPENSES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3,050,062 �49,836 3,000,226
Health insurance
Expenses for insurance claims
Claims and benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 207,303 �899 206,404
Changes in provisions for outstanding claims . . . . . . . . . . . . . 869 �42 827
SUBTOTAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 208,172 �941 207,231
Change in mathematical reserve . . . . . . . . . . . . . . . . . . . . . . . . 49,021 �81 48,940
Expenses for the refund of premiums not dependent on profit . . 10,749 0 10,749
TOTAL EXPENSES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 267,942 �1,022 266,920
TOTAL ........................................... 5,523,539 �492,032 5,031,507
F-68