Main indicators by country

Main indicators by country

Property and casualty indicator by country

(€ million)Gross written premiums Operating result
 31.12.201431.12.201331.12.201431.12.2013
Italy 6,132 6,316 720 596
France 2,545 2,722 32 4
Germany 3,547 3,436 366 293
Central Eastern Europe 1,884 1,924 239 237
EMEA 4,246 4,218 402 373
  Spain 1,281 1,284 167 158
  Austria 1,426 1,408 172 155
  Switzerland 675 684 74 60
  Other EMEA 864 843 -12 0
Latin America 1,057 1,112 -65 62
Asia 103 92 3 -14
International Operations 1,102 1,118 133 69
Total 20,617 20,940 1,831 1,619

Direct written premius by line of business

(€ million)Motor Non motor Total 
 31.12.201431.12.201331.12.201431.12.201331.12.201431.12.2013
Italy 2,485 2,612 3,539 3,606 6,023 6,218
France 919 990 1,571 1,664 2,490 2,654
Germany 1,360 1,304 2,182 2,127 3,542 3,430
Central Eastern Europe 926 931 925 953 1,851 1,884
Europe, Middle East and Africa 1,592 1,581 2,554 2,550 4,146 4,130
  Spain 333 356 913 906 1,246 1,262
  Austria 552 541 856 841 1,408 1,383
  Switzerland 307 317 366 364 673 682
  Other EMEA 399 366 419 438 819 804
Latin America 769 853 283 254 1,051 1,107
Asia 9 10 73 69 82 78
International Operations 3 1 732 734 735 735
Total direct written premiums 8,062 8,282 11,859 11,955 19,921 20,237

(€ million)Combined ratio* Loss ratio  Expense ratio
 31.12.201431.12.201331.12.201431.12.201331.12.201431.12.2013
Italy 89.2% 92.4% 67.1% 70.7% 22.1% 21.7%
France 104.9% 105.5% 77.2% 77.9% 27.7% 27.7%
Germany 92.6% 95.7% 64.3% 67.2% 28.3% 28.5%
Central Eastern Europe 87.7% 88.8% 55.8% 56.7% 31.9% 32.1%
EMEA 95.5% 95.8% 67.7% 67.8% 27.8% 28.0%
  Spain 93.3% 94.3% 65.0% 65.9% 28.3% 28.4%
  Austria 94.2% 94.6% 66.9% 67.7% 27.3% 26.9%
  Switzerland 92.7% 94.4% 70.2% 69.3% 22.6% 25.1%
  Other EMEA 105.1% 102.6% 71.7% 70.0% 33.4% 32.6%
Latin America 113.3% 100.9% 74.3% 62.6% 39.0% 38.3%
Asia 97.6% 120.0% 56.3% 79.0% 41.2% 41.0%
International Operations 83.8% 90.6% 60.7% 66.0% 23.1% 24.7%
Total 93.8% 95.6% 66.7% 68.5% 27.1% 27.2%

(*) CAT calims impacted on the Group combined ratio for 1.2 pps of which 1.7 pps in Italy, 2.4 pps in France and 1.1 pps in Germany (At 31 December 2013 CAT claims impacted on the Group combined ratio for 2.3 pps, of which 0.5 pps in Italy, 2.8 pps in France, 4.1 pps in Germany and 4.1 pps in the European Eastern Countries).

(€ million)Personal  Commercial Accident / Health(*)
 31.12.201431.12.201331.12.201431.12.201331.12.201431.12.2013
Italy 724 803 1,702 1,610 1,113 1,193
France 957 953 614 711 0 0
Germany 1,374 1,320 292 278 517 529
Central Eastern Europe 336 348 479 498 110 107
Europe, Middle East and Africa 1,060 1,060 829 821 666 669
  Spain 429 426 305 308 179 171
  Austria 333 326 367 363 155 152
  Switzerland 193 191 4 3 170 170
  Other EMEA 104 116 153 147 162 175
Latin America 20 30 239 203 24 21
Asia 0 5 32 34 40 30
International Operations 560 623 107 92 66 19
Total direct written premiums 5,031 5,142 4,293 4,246 2,535 2,567

(*) The Accident/Health business premiums, managed according to the criteria of the life business, are taken into account in the life segment.