Full-year Results 2020
Profit by source: Structure and scope
Savings result
Risk result
(incl. reinsurance)
Cost result
=
++ || || | ||
-
=
=
=
-
|| | || | +
|| | || | +
Income from investments 1)
Income from savings premiums
Expense related to savings process
Technical interest²)
Investment spread
Policyholder participation
Net savings result
Income from risk premiums
Expense related to risk³)
Gross risk result
Policyholder participation
Net risk result
Income from cost premiums
Expense related to costs
Gross cost result4)
Policyholder participation
Net cost result
Non-Life
Group Life
Health
Individual Life
Reinsurance
Owned
IFAs
Insurance
Services
+
Fee result
=
Income related to fee business
Expense related to fee business
Fee result
Unit-linked
Insurance
Wealth
Management
Asset
Management
1) Income from invested insurance assets (incl. IFRS P&L capital gains & losses and impairments) 2) Interest on insurance liabilities
3) Incurred claims incl. change in reserves 4) Acquisition cost result (incl. net DAC effect) plus administration cost result, both before policyholder participation
43 | Investor presentation | Full-year results 2020
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