Key figures

Ethias Group IFRS - in €M

P&L	2018	2019	2020	2021	2022
Gross written premiums non-life	1 382	1 419	1 338	1 404	1 512
Gross written premiums life	1 302	1 243	1 382	1 363	1 385
Total business volume	2 684	2 662	2 720	2 767	2 897
Net result	2018	2019	2020	2021	2022
Technical result	146	269	287	206	547
o/w non life	143	157	192	95	166
o/w life	3	112	95	111	381
Non technical result	- 21	- 19	- 12	13	-18
Tax	58	- 38	- 68	- 30	-132
Total net result	183	212	208	189	397
Performance non-life	2018	2019	2020	2021	2022*
Net combined ratio	94,6 %	97,6 %	93,3%	92,4%	93,5%
* From 2022: Net Adjusted Combined Ratio
Capitalization and leverage	2018	2019	2020	2021	2022
Own funds	2 293	2 688	3 004	3 010	1 553
Financial leverage ratio	20 %	19 %	18%	17%	18%
Balance sheet	2018	2019	2020	2021	2022
Financial assets	16 484	18 090	19 269	19 614	16 021
Insurance non life contract liabilities	3 865	3 956	4 002	4 216	4 378
Insurance life contract liabilities	9 165	9 663	10 065	9 725	9 369
Unit linked insurance contract liabilities	1 173	1 394	1 491	1 778	1 609
Total assets	18 262	19 506	20 840	21 186	18 186
Solvency - Ethias SA solo	2018	2019	2020	2021	2022
Solvency II ratio	181 %	191 %	187%	178%	170%