Erste Bank JPMorgan Merrill Lynch International

The Other income of EUR 7,091 million results primarily from current non-underwriting income
from fully consolidated non-insurance companies. An additional EUR 11,566 million results from the
payment of receivables written off in prior periods.
Detail
in EUR ’000
Property/Casualty
2005
Life
2005
Health
2005
Other underwriting income . . . . . . . . . . . . . . . . . . . . . . 17,166 6,754 34 23,954
Other non-underwriting income . . . . . . . . . . . . . . . . . . . 14,952 7,355 3 22,310
Total ...................................... 32,118 14,109 37 46,264
31. EXPENSES FOR CLAIMS AND INSURANCE BENEFITS
Detail
in EUR ’000
Gross
2006
Ceded to
reinsurers
2006
Total
2005
Retained
2006
Property/casualty insurance
Expenses for insurance claims
Claims payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,716,440 �354,442 1,361,998
Changes in provisions for outstanding claims . . . . . . . . . . . . . 204,998 �61,540 143,458
SUBTOTAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,921,438 �415,982 1,505,456
Change in mathematical reserve . . . . . . . . . . . . . . . . . . . . . . . . �70 46 �24
Change in other underwriting provisions . . . . . . . . . . . . . . . . . . 999 �3,889 �2,890
Expenses for the refund of premiums not dependent on profit . . 15,421 �177 15,244
TOTAL PAYMENTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,937,788 �420,002 1,517,786
Life insurance
Expenses for insurance benefits
Claims benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,011,073 �14,373 996,700
Changes in provisions for outstanding claims . . . . . . . . . . . . . 1,725 798 2,523
SUBTOTAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,012,798 �13,575 999,223
Change in mathematical reserve . . . . . . . . . . . . . . . . . . . . . . . . 1,289,309 �13,204 1,276,105
Change in other underwriting provisions . . . . . . . . . . . . . . . . . . 279 0 279
Expenses for the refund of premiums dependent to and not
dependent on profit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 158,966 �10 158,956
TOTAL PAYMENTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,461,352 �26,789 2,434,563
Health insurance
Expenses for insurance claims
Claims benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 203,605 �709 202,896
Changes in provisions for outstanding claims . . . . . . . . . . . . . 930 �8 922
SUBTOTAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 204,535 �717 203,818
Change in mathematical reserve . . . . . . . . . . . . . . . . . . . . . . . . 45,262 �183 45,079
Expenses for the refund of premiums not dependent on profit . . 12,074 0 12,074
TOTAL PAYMENTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 261,871 �900 260,971
TOTAL ........................................... 4,661,011 �447,691 4,213,320
Detail
in EUR ’000
Gross
2005
Ceded to
reinsurers
2005
Retained
2005
Property/casualty insurance
Expenses for insurance claims
Claims payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,344,293 �290,414 1,053,879
Changes in provisions for outstanding claims . . . . . . . . . . . . . 175,448 �58,703 116,745
SUBTOTAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,519,741 �349,117 1,170,624
Change in mathematical reserve . . . . . . . . . . . . . . . . . . . . . . . . �57 41 �16
Change in other underwriting provisions . . . . . . . . . . . . . . . . . . 943 433 1,376
Expenses for the refund of premiums not dependent on profit . . 8,617 �1,539 7,078
TOTAL PAYMENTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,529,244 �350,182 1,179,062
F-146