Erste Bank JPMorgan Merrill Lynch International

SEGMENT REPORTING
INCOME STATEMENT BY SEGMENT
LINES OF BUSINESS Property/Casualty Life Health Total
2005 2004 2005 2004 2005 2004 2005 2004
in EUR ’000
Premiums written — Total . . 2,563,320 2,179,081 2,156,429 1,642,383 288,086 279,914 5,007,835 4,101,378
Earned premiums . . . . . . . 1,834,834 1,570,158 2,119,027 1,603,240 287,011 273,936 4,240,872 3,447,334
Financial result, not incl.
associated and affiliated
companies . . . . . . . . . . 36,521 14,300 533,797 413,723 23,542 18,400 593,860 446,423
Other income . . . . . . . . . . 32,118 26,213 14,109 8,083 37 53 46,264 34,349
Expenses for insurance
claims . . . . . . . . . . . . . �1,179,062 �1,034,502 �2,186,489 �1,604,519 �252,861 �239,225 �3,618,412 �2,878,246
Operating expenses . . . . . . �481,009 �430,204 �375,702 �306,253 �35,079 �35,075 �891,790 �771,532
Other expenses . . . . . . . . . �104,831 �85,621 �36,213 �37,658 �981 �1,581 �142,025 �124,860
Income from interests in
associated and affiliated
companies . . . . . . . . . . 6,903 2,207 4,880 0 �216 233 11,567 2,440
Profit before taxes . . . . . . 145,474 62,551 73,409 76,616 21,453 16,741 240,336 155,908
REGIONS Austria Czech Republic Slovakia
2005 2004 2005 2004 2005 2004
in EUR ’000
Premiums written — Total . . . . . . . . . . . . . . . . . . . . . . . . 3,170,967 2,764,385 891,507 702,002 330,941 286,298
Earned premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,838,748 2,449,274 695,337 549,754 228,997 190,341
Financial result, not incl. associated and affiliated companies . . 514,774 396,887 28,008 17,543 16,382 13,798
Other income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15,816 12,767 10,887 7,978 8,478 5,454
Expenses for insurance claims . . . . . . . . . . . . . . . . . . . . . �2,657,618 �2,218,183 �470,140 �351,960 �136,669 �123,090
Operating expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . �541,325 �499,983 �159,050 �133,260 �60,149 �50,483
Other expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . �32,180 �34,406 �50,275 �50,311 �32,058 �15,950
Income from interests in associated and affiliated companies . . 6,300 2,440 5,320 0 �3 0
Profit before taxes . . . . . . . . . . . . . . . . . . . . . . . . . . . . 144,515 108,796 60,087 39,744 24,978 20,070
Remaining
CEE-markets Other markets Total
2005 2004 2005 2004 2005 2004
in EUR ’000
Premiums written — Total . . . . . . . . . . . . . . . . . . . . . . . . . 337,277 190,565 277,143 158,128 5,007,835 4,101,378
Earned premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 227,683 126,721 250,107 131,244 4,240,872 3,447,334
Financial result, not incl. associated and affiliated companies . . . 19,381 10,266 15,315 7,929 593,860 446,423
Other income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6,468 5,002 4,615 3,148 46,264 34,349
Expenses for insurance claims . . . . . . . . . . . . . . . . . . . . . . �142,296 �80,588 �211,689 �104,425 �3,618,412 �2,878,246
Operating expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . �98,347 �62,604 �32,919 �25,202 �891,790 �771,532
Other expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . �9,625 �7,752 �17,887 �16,441 �142,025 �124,860
Income from interests in associated and affiliated companies . . . �50 0 0 0 11,567 2,440
Profit before taxes . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3,214 �8,955 7,542 �3,747 240,336 155,908
F-165