Five years’ key figures

 

KEY FIGURES (€ million)          
 
RESULTS  2008  2007 2006 2005 2004
           
Gross written premiums 19,306 14,853 14,302 6,577 5,524
Contribution investment contracts  307 757 623 448 383
           
Profit before tax -2,620 1,041 1,215 826 386
Net profit -2,118 979 985 706  1,023
           
Insurance gross written premiums          
Health 11,991 7,521 7,154 2,072 1,735
Life 4,231 4,417 4,464 2,807 2,312
Non-life 3,084 2,915 2,684 1,699 1,477
           
Banking          
Net interest margin 191 157 142 161 136
           
Net profit per Operating Company          
Achmea Benelux -1,224 622 757 467 297
Friends First Ireland -21 39 35 29 21
Interamerican Greece 7 6 25 -58 -
Union Slovakia -7 -8 -17 1 1
Eureko Sigorta Turkey 32 12 - - -
Other Operating Companies -44 6 12 9 1
           
           
GROUP BALANCE SHEET          
Total assets 92,453 100,582 86,448 83,293 52,911
Total investments (excluding unit-linked)* 38,768 40,328 38,736 39,062 23,500
Banking credit portfolio 18,921 18,035 17,272 16,459 16,942
Total equity 7,451 10,375 9,632 8,525 3,251
Embedded value Life business 4,123 6,374 6,089 4,537 2,348
 * Includes Investments in associated companies and participating interests, investment property and investments

 

KEY RATIOS  2008  2007 2006 2005 2004
           
Group          
Solvency  150 232 239 218 255
Return on equity -23.4 9.7 13.0 12.7 10.9
Return on adjusted equity -38.6 12.9 14.7 16.9 17.1
Debt leverage 16.1 11.0 6.1 9.6 12.8
           
Insurance          
Combined ration Non-life 96.7 96.4 88.5 89.9 92.6
Combined ratio Health 100.3 99.0 100.4 94.5 97.4
           
Banking          
Cost/Income ratio 61.9 64.7 84.2 72.2 103.9
BIS ratio *  14.5 15.2 14.2 16.0 13.5

         
Figures per ordinary share (€)          
Net profit -6.65 2.92 2.92 2.98 1.74
(Proposed) dividend on ordinary shares - 1.41 1.41 1.41 1.96

         
EMPLOYEES          
Full-time equivalents (FTEs) 24,934 24,035 21,784 20,166 14,550
Employee satisfaction ** 76% 73% 68% 64% -
           
* Dutch activities: years 2008 and 2007 based on Basel II.
** Dutch activities