| sections | | id | "gbsnh9-c1" |
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| chunk | 1 |
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| pages | |
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| heading | "Market Data" |
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| data_items | |
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| effective_tags | |
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| content | "**Exchange rates spot by currency (1)(footnote: Source: WM/Reuters.). (Spot)**
| | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| **USD** | {{t\|1.1372\|gbsnh9-s6j7}} | {{t\|1.1127\|gbsnh9-i1gh}} | {{t\|1.0455\|gbsnh9-atcm}} | {{t\|0.9797\|gbsnh9-ih1g}} | {{t\|1.0673\|gbsnh9-sghe}} | {{t\|1.0865\|gbsnh9-jm61}} | {{t\|1.0910\|gbsnh9-39ul}} | {{t\|1.0588\|gbsnh9-yj8b}} | {{t\|1.1047\|gbsnh9-k7le}} |
| **CHF** | {{t\|1.0362\|gbsnh9-xqq0}} | {{t\|1.0239\|gbsnh9-1na5}} | {{t\|1.0009\|gbsnh9-0b5u}} | {{t\|0.9642\|gbsnh9-j3zt}} | {{t\|0.9875\|gbsnh9-tek9}} | {{t\|0.9925\|gbsnh9-smuj}} | {{t\|0.9761\|gbsnh9-nx1u}} | {{t\|0.9686\|gbsnh9-tlq3}} | {{t\|0.9297\|gbsnh9-4kjh}} |
| **GBP** | {{t\|0.8396\|gbsnh9-65lk}} | {{t\|0.8451\|gbsnh9-zo4w}} | {{t\|0.8608\|gbsnh9-imxd}} | {{t\|0.8776\|gbsnh9-q0q3}} | {{t\|0.8873\|gbsnh9-6tus}} | {{t\|0.8787\|gbsnh9-hez6}} | {{t\|0.8582\|gbsnh9-f546}} | {{t\|0.8674\|gbsnh9-lcpu}} | {{t\|0.8666\|gbsnh9-ue57}} |
| **AUD** | {{t\|1.5642\|gbsnh9-mpbe}} | {{t\|1.4817\|gbsnh9-58fl}} | {{t\|1.5204\|gbsnh9-ceos}} | {{t\|1.5237\|gbsnh9-ylt5}} | {{t\|1.5738\|gbsnh9-0se8}} | {{t\|1.6222\|gbsnh9-ecdn}} | {{t\|1.6390\|gbsnh9-r1qn}} | {{t\|1.6405\|gbsnh9-h7wm}} | {{t\|1.6189\|gbsnh9-z0p9}} |
**Exchange rates average by currency (1)(footnote: Source: WM/Reuters.). (Average)**
| | 1Q 22 | 2Q 22 | 3Q 22 | 4Q 22 | 2022 | 1Q 23 | 2Q 23 | 3Q 23 | 4Q 23 | 2023 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| **USD** | {{t\|1.1221\|gbsnh9-3at1}} | {{t\|1.0645\|gbsnh9-frri}} | {{t\|1.0070\|gbsnh9-9tft}} | {{t\|1.0211\|gbsnh9-ptej}} | {{t\|1.0533\|gbsnh9-xnce}} | {{t\|1.0731\|gbsnh9-n25r}} | {{t\|1.0884\|gbsnh9-2i3o}} | {{t\|1.0881\|gbsnh9-v5l8}} | {{t\|1.0757\|gbsnh9-686g}} | {{t\|1.0814\|gbsnh9-rupq}} |
| **CHF** | {{t\|1.0366\|gbsnh9-9bvr}} | {{t\|1.0272\|gbsnh9-a0ss}} | {{t\|0.9734\|gbsnh9-wv0a}} | {{t\|0.9835\|gbsnh9-wowy}} | {{t\|1.0049\|gbsnh9-18ls}} | {{t\|0.9927\|gbsnh9-5mvs}} | {{t\|0.9783\|gbsnh9-x3dl}} | {{t\|0.9611\|gbsnh9-91nh}} | {{t\|0.9541\|gbsnh9-385e}} | {{t\|0.9715\|gbsnh9-09nq}} |
| **GBP** | {{t\|0.8366\|gbsnh9-wzlg}} | {{t\|0.8484\|gbsnh9-cwfr}} | {{t\|0.8561\|gbsnh9-gt38}} | {{t\|0.8697\|gbsnh9-32z9}} | {{t\|0.8527\|gbsnh9-4uvo}} | {{t\|0.8830\|gbsnh9-zg0o}} | {{t\|0.8694\|gbsnh9-9izc}} | {{t\|0.8596\|gbsnh9-job2}} | {{t\|0.8668\|gbsnh9-r3at}} | {{t\|0.8697\|gbsnh9-yz51}} |
| **AUD** | {{t\|1.5493\|gbsnh9-l8j9}} | {{t\|1.4919\|gbsnh9-fie3}} | {{t\|1.4742\|gbsnh9-a4l4}} | {{t\|1.5532\|gbsnh9-7aej}} | {{t\|1.5168\|gbsnh9-ij2g}} | {{t\|1.5701\|gbsnh9-sf5w}} | {{t\|1.6295\|gbsnh9-c7mn}} | {{t\|1.6620\|gbsnh9-llj7}} | {{t\|1.6533\|gbsnh9-exyp}} | {{t\|1.6288\|gbsnh9-325v}} |
**Valuation rates by contract type, currency, and duration, IFRS 17 (4)(footnote: The table sets out the continuously compounded market rates used to discount the cash flows of insurance contracts for major currencies. Source: Refinitiv; internal processing of market quotes.).**
| % | 01.01.2022 1 year | 01.01.2022 5 years | 01.01.2022 10 years | 01.01.2022 20 years | 01.01.2022 30 years | 31.12.2022 1 year | 31.12.2022 5 years | 31.12.2022 10 years | 31.12.2022 20 years | 31.12.2022 30 years | 31.03.2023 1 year | 31.03.2023 5 years | 31.03.2023 10 years | 31.03.2023 20 years | 31.03.2023 30 years | 30.06.2023 1 year | 30.06.2023 5 years | 30.06.2023 10 years | 30.06.2023 20 years | 30.06.2023 30 years | 30.09.2023 1 year | 30.09.2023 5 years | 30.09.2023 10 years | 30.09.2023 20 years | 30.09.2023 30 years | 31.12.2023 1 year | 31.12.2023 5 years | 31.12.2023 10 years | 31.12.2023 20 years | 31.12.2023 30 years |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Unit-linked contracts — EUR | {{t\|-0.49\|gbsnh9-wogt}} | {{t\|0.02\|gbsnh9-8ezj}} | {{t\|0.31\|gbsnh9-6k3t}} | {{t\|0.56\|gbsnh9-de5k}} | {{t\|1.12\|gbsnh9-g9cv}} | {{t\|3.20\|gbsnh9-hh9d}} | {{t\|3.16\|gbsnh9-1vo8}} | {{t\|3.12\|gbsnh9-d205}} | {{t\|2.80\|gbsnh9-mzd0}} | {{t\|2.74\|gbsnh9-7db3}} | {{t\|3.49\|gbsnh9-rf7w}} | {{t\|2.97\|gbsnh9-xq5o}} | {{t\|2.90\|gbsnh9-9vkw}} | {{t\|2.73\|gbsnh9-j6hr}} | {{t\|2.72\|gbsnh9-4s8v}} | {{t\|4.00\|gbsnh9-sfd8}} | {{t\|3.18\|gbsnh9-qrvp}} | {{t\|2.93\|gbsnh9-1gw8}} | {{t\|2.72\|gbsnh9-l511}} | {{t\|2.73\|gbsnh9-7o5t}} | {{t\|4.06\|gbsnh9-eosq}} | {{t\|3.33\|gbsnh9-infh}} | {{t\|3.33\|gbsnh9-24ld}} | {{t\|3.26\|gbsnh9-njpj}} | {{t\|3.17\|gbsnh9-vfjs}} | {{t\|3.40\|gbsnh9-ixaz}} | {{t\|2.39\|gbsnh9-d2wv}} | {{t\|2.46\|gbsnh9-fty0}} | {{t\|2.47\|gbsnh9-mic4}} | {{t\|2.54\|gbsnh9-e3fb}} |
| Unit-linked contracts — USD | {{t\|0.49\|gbsnh9-2u2r}} | {{t\|1.32\|gbsnh9-rzi1}} | {{t\|1.53\|gbsnh9-mz6u}} | {{t\|1.70\|gbsnh9-0ea3}} | {{t\|1.82\|gbsnh9-kk6o}} | {{t\|4.96\|gbsnh9-80m7}} | {{t\|3.88\|gbsnh9-abhn}} | {{t\|3.69\|gbsnh9-wmk2}} | {{t\|3.57\|gbsnh9-smi6}} | {{t\|3.30\|gbsnh9-xu1u}} | {{t\|4.60\|gbsnh9-1086}} | {{t\|3.28\|gbsnh9-r2ey}} | {{t\|3.11\|gbsnh9-1ydz}} | {{t\|3.06\|gbsnh9-ilfe}} | {{t\|3.07\|gbsnh9-u2gf}} | {{t\|5.23\|gbsnh9-4rye}} | {{t\|3.81\|gbsnh9-3avq}} | {{t\|3.46\|gbsnh9-dnjk}} | {{t\|3.32\|gbsnh9-cr4x}} | {{t\|3.27\|gbsnh9-p9ef}} | {{t\|5.29\|gbsnh9-3xbj}} | {{t\|4.26\|gbsnh9-khia}} | {{t\|4.17\|gbsnh9-davq}} | {{t\|4.11\|gbsnh9-ev36}} | {{t\|3.96\|gbsnh9-lima}} | {{t\|4.65\|gbsnh9-7lxb}} | {{t\|3.44\|gbsnh9-i79q}} | {{t\|3.39\|gbsnh9-mrg6}} | {{t\|3.41\|gbsnh9-elpk}} | {{t\|3.35\|gbsnh9-bnsa}} |
| Immediate fixed annuity and P/C liability for incurred claims — EUR | {{t\|-0.49\|gbsnh9-sbii}} | {{t\|0.02\|gbsnh9-byqz}} | {{t\|0.31\|gbsnh9-57iv}} | {{t\|0.56\|gbsnh9-5ok4}} | {{t\|1.12\|gbsnh9-l22h}} | {{t\|3.41\|gbsnh9-pkc1}} | {{t\|3.36\|gbsnh9-gaf5}} | {{t\|3.33\|gbsnh9-hj2x}} | {{t\|3.01\|gbsnh9-p0v8}} | {{t\|2.91\|gbsnh9-j5r7}} | {{t\|3.70\|gbsnh9-oyy8}} | {{t\|3.19\|gbsnh9-qpix}} | {{t\|3.11\|gbsnh9-em0k}} | {{t\|2.94\|gbsnh9-67rg}} | {{t\|2.90\|gbsnh9-29oc}} | {{t\|4.21\|gbsnh9-9mk6}} | {{t\|3.39\|gbsnh9-vixp}} | {{t\|3.15\|gbsnh9-ljnq}} | {{t\|2.93\|gbsnh9-nxs2}} | {{t\|2.91\|gbsnh9-nl8x}} | {{t\|4.27\|gbsnh9-5fwb}} | {{t\|3.55\|gbsnh9-fg06}} | {{t\|3.54\|gbsnh9-5vi9}} | {{t\|3.47\|gbsnh9-w3gi}} | {{t\|3.35\|gbsnh9-y0lm}} | {{t\|3.60\|gbsnh9-sy77}} | {{t\|2.60\|gbsnh9-z5yl}} | {{t\|2.67\|gbsnh9-1rqp}} | {{t\|2.68\|gbsnh9-hq7w}} | {{t\|2.71\|gbsnh9-al1t}} |
| Immediate fixed annuity and P/C liability for incurred claims — USD | {{t\|0.79\|gbsnh9-008g}} | {{t\|1.61\|gbsnh9-33wb}} | {{t\|1.83\|gbsnh9-cm8r}} | {{t\|2.00\|gbsnh9-8oho}} | {{t\|2.10\|gbsnh9-9qym}} | {{t\|5.73\|gbsnh9-mvj9}} | {{t\|4.66\|gbsnh9-djv7}} | {{t\|4.47\|gbsnh9-ybli}} | {{t\|4.35\|gbsnh9-d69q}} | {{t\|4.05\|gbsnh9-aeu6}} | {{t\|5.45\|gbsnh9-evcv}} | {{t\|4.13\|gbsnh9-28v0}} | {{t\|3.97\|gbsnh9-hypl}} | {{t\|3.92\|gbsnh9-nh03}} | {{t\|3.82\|gbsnh9-k6m4}} | {{t\|6.01\|gbsnh9-e6kz}} | {{t\|4.59\|gbsnh9-juh4}} | {{t\|4.25\|gbsnh9-3m13}} | {{t\|4.11\|gbsnh9-w39y}} | {{t\|3.96\|gbsnh9-8pin}} | {{t\|6.07\|gbsnh9-g7z1}} | {{t\|5.05\|gbsnh9-qp4g}} | {{t\|4.95\|gbsnh9-94z4}} | {{t\|4.90\|gbsnh9-kjxd}} | {{t\|4.62\|gbsnh9-ea3z}} | {{t\|5.34\|gbsnh9-dar9}} | {{t\|4.13\|gbsnh9-ujoe}} | {{t\|4.08\|gbsnh9-a3jz}} | {{t\|4.10\|gbsnh9-090x}} | {{t\|3.95\|gbsnh9-u1rs}} |
| Traditional participating and other insurance contracts (2) — EUR | -0.32 - 0.19 | {{t\|0.19 - 0.70\|gbsnh9-e3dv}} | {{t\|0.48 - 0.99\|gbsnh9-bd1c}} | {{t\|0.73 - 1.24\|gbsnh9-aobn}} | {{t\|1.25 - 1.67\|gbsnh9-hqo5}} | {{t\|3.35 - 3.84\|gbsnh9-7e5r}} | {{t\|3.31 - 3.80\|gbsnh9-htrl}} | {{t\|3.27 - 3.76\|gbsnh9-n7ee}} | {{t\|2.95 - 3.45\|gbsnh9-qd7v}} | {{t\|2.87 - 3.27\|gbsnh9-jnfp}} | {{t\|3.65 - 4.21\|gbsnh9-1dw9}} | {{t\|3.13 - 3.70\|gbsnh9-5mjs}} | {{t\|3.06 - 3.62\|gbsnh9-9fva}} | {{t\|2.89 - 3.45\|gbsnh9-jo8q}} | {{t\|2.85 - 3.32\|gbsnh9-8vm1}} | {{t\|4.13 - 4.57\|gbsnh9-06pe}} | {{t\|3.31 - 3.75\|gbsnh9-ietm}} | {{t\|3.07 - 3.51\|gbsnh9-kprw}} | {{t\|2.85 - 3.30\|gbsnh9-lcxo}} | {{t\|2.84 - 3.21\|gbsnh9-9esq}} | {{t\|4.22 - 4.69\|gbsnh9-5hgr}} | {{t\|3.50 - 3.97\|gbsnh9-yd97}} | {{t\|3.49 - 3.96\|gbsnh9-vqpt}} | {{t\|3.42 - 3.89\|gbsnh9-b2b7}} | {{t\|3.31 - 3.71\|gbsnh9-dh2j}} | {{t\|3.55 - 4.03\|gbsnh9-ywoh}} | {{t\|2.54 - 3.03\|gbsnh9-3e8g}} | {{t\|2.61 - 3.10\|gbsnh9-6mip}} | {{t\|2.63 - 3.11\|gbsnh9-fd8c}} | {{t\|2.67 - 3.07\|gbsnh9-6bjn}} |
| Traditional participating and other insurance contracts (2) — USD (3) | {{t\|0.99 - 1.07\|gbsnh9-4cry}} | {{t\|1.81 - 1.89\|gbsnh9-poyo}} | {{t\|2.03 - 2.11\|gbsnh9-xll4}} | {{t\|2.19 - 2.28\|gbsnh9-dvf9}} | {{t\|2.29 - 2.36\|gbsnh9-gzvl}} | {{t\|5.54 - 6.06\|gbsnh9-t9uh}} | {{t\|4.47 - 4.99\|gbsnh9-dsv7}} | {{t\|4.28 - 4.80\|gbsnh9-xz75}} | {{t\|4.16 - 4.69\|gbsnh9-vz53}} | {{t\|3.87 - 4.37\|gbsnh9-yd84}} | {{t\|5.25 - 5.70\|gbsnh9-31hv}} | {{t\|3.94 - 4.40\|gbsnh9-e32r}} | {{t\|3.77 - 4.23\|gbsnh9-bux9}} | {{t\|3.73 - 4.19\|gbsnh9-nk0j}} | {{t\|3.65 - 4.05\|gbsnh9-92w3}} | {{t\|5.82 - 6.23\|gbsnh9-njic}} | {{t\|4.41 - 4.82\|gbsnh9-4vof}} | {{t\|4.06 - 4.48\|gbsnh9-k2p6}} | {{t\|3.93 - 4.35\|gbsnh9-g6co}} | {{t\|3.80 - 4.17\|gbsnh9-h2qc}} | {{t\|6.56 - 6.73\|gbsnh9-w6m6}} | {{t\|5.55 - 5.71\|gbsnh9-b2yg}} | {{t\|5.45 - 5.62\|gbsnh9-1eg5}} | {{t\|5.40 - 5.57\|gbsnh9-at5u}} | {{t\|5.05 - 5.19\|gbsnh9-q27i}} | {{t\|5.84 - 6.20\|gbsnh9-nva9}} | {{t\|4.64 - 5.00\|gbsnh9-zipd}} | {{t\|4.60- 4.96\|gbsnh9-ca48}} | {{t\|4.61 - 4.97\|gbsnh9-e3rv}} | {{t\|4.39 - 4.70\|gbsnh9-uejr}} |
(1) Source: WM/Reuters.
(4) The table sets out the continuously compounded market rates used to discount the cash flows of insurance contracts for major currencies. Source: Refinitiv; internal processing of market quotes.
(2) Ranges in valuation rates reflect different liquidity characteristics of insurance portfolios in a given currency.
(3) Basis for the disclosed USD rates changed starting 3Q 23 in order to reflect the most relevant insurance portfolios." |
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| id | "gbsnh9-c2" |
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| chunk | 2 |
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| pages | |
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| heading | "Balance Sheet" |
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| content | "**Assets build-up by business unit, Allianz Group. (Allianz Group)**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cash and cash equivalents | {{t\|24,247\|gbsnh9-2mlo}} | {{t\|24,522\|gbsnh9-wuyl}} | {{t\|22,215\|gbsnh9-8otk}} | {{t\|27,509\|gbsnh9-flj1}} | {{t\|22,896\|gbsnh9-em1l}} | {{t\|24,534\|gbsnh9-ws1q}} | {{t\|25,612\|gbsnh9-5rmm}} | {{t\|24,141\|gbsnh9-fv81}} | {{t\|29,210\|gbsnh9-bsld}} | {{t\|27.6%\|gbsnh9-dz0i}} |
| Investments | {{t\|837,869\|gbsnh9-6ztn}} | {{t\|784,996\|gbsnh9-t2is}} | {{t\|727,832\|gbsnh9-771q}} | {{t\|708,323\|gbsnh9-l58m}} | {{t\|690,991\|gbsnh9-mdk8}} | {{t\|703,527\|gbsnh9-7bnk}} | {{t\|701,292\|gbsnh9-5yt8}} | {{t\|693,087\|gbsnh9-p4os}} | {{t\|721,802\|gbsnh9-odo0}} | {{t\|4.5%\|gbsnh9-ndjl}} |
| Financial assets for unit-linked contracts | {{t\|158,359\|gbsnh9-yeso}} | {{t\|151,882\|gbsnh9-pfp8}} | {{t\|141,259\|gbsnh9-1beh}} | {{t\|139,095\|gbsnh9-7h0q}} | {{t\|141,034\|gbsnh9-yno8}} | {{t\|146,632\|gbsnh9-qhjy}} | {{t\|148,892\|gbsnh9-2qpg}} | {{t\|146,466\|gbsnh9-jjq1}} | {{t\|152,872\|gbsnh9-sof6}} | {{t\|8.4%\|gbsnh9-zhh4}} |
| Insurance contract assets | {{t\|36\|gbsnh9-pl11}} | {{t\|42\|gbsnh9-q351}} | {{t\|49\|gbsnh9-hq00}} | {{t\|421\|gbsnh9-cpbt}} | {{t\|327\|gbsnh9-u01g}} | {{t\|355\|gbsnh9-c78z}} | {{t\|477\|gbsnh9-wjiy}} | {{t\|166\|gbsnh9-3cel}} | {{t\|172\|gbsnh9-nol1}} | {{t\|-47.3%\|gbsnh9-i962}} |
| Reinsurance contract assets | {{t\|26,141\|gbsnh9-2qlr}} | {{t\|25,267\|gbsnh9-4zmh}} | {{t\|25,164\|gbsnh9-tern}} | {{t\|26,535\|gbsnh9-x3lr}} | {{t\|25,605\|gbsnh9-mfht}} | {{t\|25,031\|gbsnh9-qt4j}} | {{t\|25,294\|gbsnh9-8sr0}} | {{t\|24,678\|gbsnh9-c7bb}} | {{t\|24,719\|gbsnh9-4y3t}} | {{t\|-3.5%\|gbsnh9-orx1}} |
| Deferred tax assets | {{t\|4,709\|gbsnh9-lkcx}} | {{t\|5,668\|gbsnh9-wh7j}} | {{t\|7,054\|gbsnh9-3f1b}} | {{t\|7,587\|gbsnh9-bq7i}} | {{t\|6,369\|gbsnh9-0t4l}} | {{t\|5,707\|gbsnh9-d2mn}} | {{t\|5,890\|gbsnh9-wlp5}} | {{t\|5,958\|gbsnh9-t796}} | {{t\|5,992\|gbsnh9-ry1s}} | {{t\|-5.9%\|gbsnh9-nwzn}} |
| Other assets | {{t\|27,222\|gbsnh9-sz59}} | {{t\|28,194\|gbsnh9-k1nm}} | {{t\|31,312\|gbsnh9-uggy}} | {{t\|31,733\|gbsnh9-tln4}} | {{t\|30,234\|gbsnh9-lnxa}} | {{t\|32,043\|gbsnh9-8baq}} | {{t\|31,606\|gbsnh9-svpw}} | {{t\|29,512\|gbsnh9-j1lw}} | {{t\|29,757\|gbsnh9-kk1f}} | {{t\|-1.6%\|gbsnh9-v5rp}} |
| Intangible assets | {{t\|18,186\|gbsnh9-4r3k}} | {{t\|18,293\|gbsnh9-0lpn}} | {{t\|18,430\|gbsnh9-7877}} | {{t\|18,771\|gbsnh9-fe1s}} | {{t\|18,442\|gbsnh9-in6j}} | {{t\|18,693\|gbsnh9-0776}} | {{t\|18,664\|gbsnh9-76yh}} | {{t\|18,663\|gbsnh9-iker}} | {{t\|18,649\|gbsnh9-whl6}} | {{t\|1.1%\|gbsnh9-5itn}} |
| **Total assets** | {{t\|1,096,770\|gbsnh9-2mux}} | {{t\|1,038,864\|gbsnh9-2x4v}} | {{t\|973,316\|gbsnh9-00ly}} | {{t\|959,976\|gbsnh9-990d}} | {{t\|935,897\|gbsnh9-92wp}} | {{t\|956,523\|gbsnh9-in97}} | {{t\|957,728\|gbsnh9-l9d0}} | {{t\|942,671\|gbsnh9-hd9u}} | {{t\|983,174\|gbsnh9-pn6o}} | {{t\|5.1%\|gbsnh9-7ts1}} |
**Assets build-up by business unit, Property-Casualty. (Property-Casualty)**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cash and cash equivalents | {{t\|4,838\|gbsnh9-lw08}} | {{t\|5,672\|gbsnh9-sm4j}} | {{t\|5,038\|gbsnh9-surb}} | {{t\|5,601\|gbsnh9-yfg9}} | {{t\|5,342\|gbsnh9-48my}} | {{t\|5,832\|gbsnh9-pmqx}} | {{t\|5,584\|gbsnh9-818b}} | {{t\|5,623\|gbsnh9-z16a}} | {{t\|5,887\|gbsnh9-bt31}} | {{t\|10.2%\|gbsnh9-zuk9}} |
| Investments | {{t\|122,355\|gbsnh9-fok5}} | {{t\|118,873\|gbsnh9-abzy}} | {{t\|113,537\|gbsnh9-ps88}} | {{t\|111,694\|gbsnh9-oypa}} | {{t\|110,442\|gbsnh9-nmx9}} | {{t\|112,146\|gbsnh9-xi1a}} | {{t\|112,396\|gbsnh9-a2dr}} | {{t\|112,872\|gbsnh9-wz1t}} | {{t\|116,447\|gbsnh9-69ex}} | {{t\|5.4%\|gbsnh9-edzt}} |
| Financial assets for unit-linked contracts | {{t\|0\|gbsnh9-rqo4}} | {{t\|-0\|gbsnh9-o5tn}} | {{t\|0\|gbsnh9-3909}} | {{t\|0\|gbsnh9-mo4d}} | {{t\|0\|gbsnh9-75cb}} | {{t\|0\|gbsnh9-rfzj}} | {{t\|0\|gbsnh9-ohoo}} | {{t\|0\|gbsnh9-ih1w}} | {{t\|0\|gbsnh9-4pq9}} | n.m. |
| Insurance contract assets | {{t\|5\|gbsnh9-2dpf}} | {{t\|6\|gbsnh9-hpwg}} | {{t\|7\|gbsnh9-fnft}} | {{t\|382\|gbsnh9-ph2c}} | {{t\|285\|gbsnh9-d4ji}} | {{t\|311\|gbsnh9-wgid}} | {{t\|426\|gbsnh9-6y47}} | {{t\|111\|gbsnh9-97cs}} | {{t\|103\|gbsnh9-qo02}} | {{t\|-63.9%\|gbsnh9-iqnq}} |
| Reinsurance contract assets | {{t\|9,585\|gbsnh9-22y7}} | {{t\|9,621\|gbsnh9-sj8p}} | {{t\|9,583\|gbsnh9-qpsy}} | {{t\|9,668\|gbsnh9-yai9}} | {{t\|10,173\|gbsnh9-a7tr}} | {{t\|10,156\|gbsnh9-78zw}} | {{t\|10,237\|gbsnh9-pbgw}} | {{t\|10,056\|gbsnh9-u17v}} | {{t\|10,855\|gbsnh9-a1f0}} | {{t\|6.7%\|gbsnh9-fcuq}} |
| Deferred tax assets | {{t\|1,152\|gbsnh9-ru7u}} | {{t\|1,411\|gbsnh9-t6lb}} | {{t\|1,651\|gbsnh9-r8as}} | {{t\|1,986\|gbsnh9-dklj}} | {{t\|1,781\|gbsnh9-h7zo}} | {{t\|1,641\|gbsnh9-p51o}} | {{t\|1,758\|gbsnh9-biov}} | {{t\|1,741\|gbsnh9-em6t}} | {{t\|1,554\|gbsnh9-g48g}} | {{t\|-12.7%\|gbsnh9-kq7n}} |
| Other assets | {{t\|22,957\|gbsnh9-neva}} | {{t\|23,407\|gbsnh9-pmgo}} | {{t\|23,981\|gbsnh9-4mjt}} | {{t\|24,482\|gbsnh9-xqvy}} | {{t\|22,211\|gbsnh9-o9u9}} | {{t\|24,753\|gbsnh9-kpke}} | {{t\|22,336\|gbsnh9-1nqh}} | {{t\|22,860\|gbsnh9-go2e}} | {{t\|23,562\|gbsnh9-r1nu}} | {{t\|6.1%\|gbsnh9-au1y}} |
| Intangible assets | {{t\|6,057\|gbsnh9-71p5}} | {{t\|6,220\|gbsnh9-syu4}} | {{t\|6,166\|gbsnh9-80xr}} | {{t\|6,222\|gbsnh9-coa2}} | {{t\|6,202\|gbsnh9-yjqz}} | {{t\|6,325\|gbsnh9-fz05}} | {{t\|6,276\|gbsnh9-ozuz}} | {{t\|6,248\|gbsnh9-q73w}} | {{t\|6,284\|gbsnh9-9t0l}} | {{t\|1.3%\|gbsnh9-0174}} |
| **Total assets** | {{t\|166,949\|gbsnh9-iw1c}} | {{t\|165,210\|gbsnh9-xl5h}} | {{t\|159,963\|gbsnh9-2vkg}} | {{t\|160,034\|gbsnh9-mlmh}} | {{t\|156,436\|gbsnh9-32lz}} | {{t\|161,163\|gbsnh9-qc0v}} | {{t\|159,013\|gbsnh9-8k3z}} | {{t\|159,510\|gbsnh9-68xo}} | {{t\|164,692\|gbsnh9-qqm8}} | {{t\|5.3%\|gbsnh9-bzox}} |
**Assets build-up by business unit, Life/Health. (Life/Health)**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cash and cash equivalents | {{t\|12,429\|gbsnh9-q8z2}} | {{t\|11,665\|gbsnh9-xf06}} | {{t\|10,146\|gbsnh9-datg}} | {{t\|13,451\|gbsnh9-b17i}} | {{t\|12,040\|gbsnh9-n5lv}} | {{t\|13,452\|gbsnh9-r47q}} | {{t\|15,359\|gbsnh9-xi3p}} | {{t\|14,214\|gbsnh9-1iy7}} | {{t\|17,700\|gbsnh9-6018}} | {{t\|47.0%\|gbsnh9-07e8}} |
| Investments | {{t\|685,440\|gbsnh9-qhtm}} | {{t\|634,864\|gbsnh9-7ngf}} | {{t\|585,822\|gbsnh9-to03}} | {{t\|567,542\|gbsnh9-k3x7}} | {{t\|550,968\|gbsnh9-zu7x}} | {{t\|560,633\|gbsnh9-9k7o}} | {{t\|561,674\|gbsnh9-3jxn}} | {{t\|549,580\|gbsnh9-dyc7}} | {{t\|573,187\|gbsnh9-e72q}} | {{t\|4.0%\|gbsnh9-oe5l}} |
| Financial assets for unit-linked contracts | {{t\|158,359\|gbsnh9-x7a5}} | {{t\|151,882\|gbsnh9-2ub1}} | {{t\|141,259\|gbsnh9-qhgn}} | {{t\|139,095\|gbsnh9-kp0p}} | {{t\|141,034\|gbsnh9-m215}} | {{t\|146,632\|gbsnh9-zqvm}} | {{t\|148,892\|gbsnh9-p0ua}} | {{t\|146,466\|gbsnh9-j4jj}} | {{t\|152,872\|gbsnh9-yh6t}} | {{t\|8.4%\|gbsnh9-aun4}} |
| Insurance contract assets | {{t\|31\|gbsnh9-6wc7}} | {{t\|36\|gbsnh9-z968}} | {{t\|42\|gbsnh9-ys3d}} | {{t\|39\|gbsnh9-y2h8}} | {{t\|42\|gbsnh9-nyi6}} | {{t\|45\|gbsnh9-8j21}} | {{t\|51\|gbsnh9-qerx}} | {{t\|55\|gbsnh9-8g1h}} | {{t\|69\|gbsnh9-k9bb}} | {{t\|65.9%\|gbsnh9-6cg7}} |
| Reinsurance contract assets | {{t\|16,588\|gbsnh9-b79t}} | {{t\|15,672\|gbsnh9-1xpp}} | {{t\|15,591\|gbsnh9-aw27}} | {{t\|16,893\|gbsnh9-gbya}} | {{t\|15,450\|gbsnh9-nqze}} | {{t\|14,895\|gbsnh9-n8c9}} | {{t\|15,068\|gbsnh9-gipo}} | {{t\|14,649\|gbsnh9-dnw7}} | {{t\|13,915\|gbsnh9-lvm8}} | {{t\|-9.9%\|gbsnh9-2xez}} |
| Deferred tax assets | {{t\|3,958\|gbsnh9-8fb6}} | {{t\|4,388\|gbsnh9-nekw}} | {{t\|5,267\|gbsnh9-msc6}} | {{t\|5,488\|gbsnh9-d87a}} | {{t\|4,914\|gbsnh9-sxdz}} | {{t\|4,781\|gbsnh9-uo3o}} | {{t\|4,649\|gbsnh9-lou8}} | {{t\|4,866\|gbsnh9-kdjg}} | {{t\|4,813\|gbsnh9-npel}} | {{t\|-2.1%\|gbsnh9-svee}} |
| Other assets | {{t\|15,112\|gbsnh9-kt9n}} | {{t\|14,243\|gbsnh9-91ok}} | {{t\|17,424\|gbsnh9-fk3o}} | {{t\|17,849\|gbsnh9-lcnh}} | {{t\|17,599\|gbsnh9-hnkc}} | {{t\|15,944\|gbsnh9-nasz}} | {{t\|15,581\|gbsnh9-k07z}} | {{t\|14,758\|gbsnh9-2aym}} | {{t\|16,752\|gbsnh9-or1a}} | {{t\|-4.8%\|gbsnh9-a7wv}} |
| Intangible assets | {{t\|4,365\|gbsnh9-77a8}} | {{t\|4,369\|gbsnh9-5esc}} | {{t\|4,527\|gbsnh9-wgsq}} | {{t\|4,491\|gbsnh9-svxf}} | {{t\|4,517\|gbsnh9-17cs}} | {{t\|4,521\|gbsnh9-7utq}} | {{t\|4,555\|gbsnh9-rlrl}} | {{t\|4,484\|gbsnh9-v6jr}} | {{t\|4,596\|gbsnh9-s77k}} | {{t\|1.7%\|gbsnh9-0q8y}} |
| **Total assets** | {{t\|896,280\|gbsnh9-g96f}} | {{t\|837,117\|gbsnh9-wp0t}} | {{t\|780,078\|gbsnh9-ioox}} | {{t\|764,848\|gbsnh9-nv97}} | {{t\|746,563\|gbsnh9-5e05}} | {{t\|760,903\|gbsnh9-8lzk}} | {{t\|765,828\|gbsnh9-exgw}} | {{t\|749,073\|gbsnh9-hd33}} | {{t\|783,905\|gbsnh9-xnpc}} | {{t\|5.0%\|gbsnh9-nj8w}} |
**Assets build-up by business unit, Asset Management. (Asset Management)**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cash and cash equivalents | {{t\|1,130\|gbsnh9-eger}} | {{t\|1,150\|gbsnh9-vd4v}} | {{t\|1,194\|gbsnh9-w61u}} | {{t\|1,478\|gbsnh9-u0o6}} | {{t\|1,290\|gbsnh9-2lyo}} | {{t\|1,190\|gbsnh9-7d6i}} | {{t\|1,129\|gbsnh9-55z0}} | {{t\|1,115\|gbsnh9-nf91}} | {{t\|1,183\|gbsnh9-bwp3}} | {{t\|-8.3%\|gbsnh9-9sz2}} |
| Investments | {{t\|492\|gbsnh9-ja97}} | {{t\|481\|gbsnh9-34wf}} | {{t\|514\|gbsnh9-ghgl}} | {{t\|1,119\|gbsnh9-qowh}} | {{t\|1,046\|gbsnh9-2qz0}} | {{t\|971\|gbsnh9-afms}} | {{t\|1,012\|gbsnh9-l6u0}} | {{t\|1,064\|gbsnh9-0anx}} | {{t\|1,149\|gbsnh9-awey}} | {{t\|9.8%\|gbsnh9-mm6k}} |
| Financial assets for unit-linked contracts | {{t\|0\|gbsnh9-k18m}} | {{t\|0\|gbsnh9-h5zr}} | {{t\|0\|gbsnh9-ehwt}} | {{t\|0\|gbsnh9-54qd}} | {{t\|0\|gbsnh9-qt49}} | {{t\|0\|gbsnh9-wrhz}} | {{t\|0\|gbsnh9-9zl6}} | {{t\|0\|gbsnh9-6rea}} | {{t\|0\|gbsnh9-bcez}} | n.m. |
| Insurance contract assets | {{t\|0\|gbsnh9-1npr}} | {{t\|0\|gbsnh9-ww81}} | {{t\|0\|gbsnh9-f7kt}} | {{t\|0\|gbsnh9-b32f}} | {{t\|0\|gbsnh9-ttd4}} | {{t\|0\|gbsnh9-lkkp}} | {{t\|0\|gbsnh9-4km4}} | {{t\|0\|gbsnh9-inf2}} | {{t\|0\|gbsnh9-btk8}} | n.m. |
| Reinsurance contract assets | {{t\|0\|gbsnh9-sn4s}} | {{t\|0\|gbsnh9-znbq}} | {{t\|0\|gbsnh9-r6vi}} | {{t\|0\|gbsnh9-dawt}} | {{t\|0\|gbsnh9-ovoz}} | {{t\|0\|gbsnh9-wtv4}} | {{t\|0\|gbsnh9-d7c7}} | {{t\|0\|gbsnh9-80lq}} | {{t\|0\|gbsnh9-6gq6}} | n.m. |
| Deferred tax assets | {{t\|1,145\|gbsnh9-y4yx}} | {{t\|714\|gbsnh9-5phn}} | {{t\|479\|gbsnh9-yn80}} | {{t\|409\|gbsnh9-7kmk}} | {{t\|307\|gbsnh9-6slx}} | {{t\|341\|gbsnh9-0ars}} | {{t\|359\|gbsnh9-j7fp}} | {{t\|320\|gbsnh9-swey}} | {{t\|225\|gbsnh9-4lhv}} | {{t\|-26.8%\|gbsnh9-666f}} |
| Other assets | {{t\|6,706\|gbsnh9-h6y7}} | {{t\|5,669\|gbsnh9-2mgw}} | {{t\|6,259\|gbsnh9-yobr}} | {{t\|6,210\|gbsnh9-rest}} | {{t\|5,687\|gbsnh9-glnv}} | {{t\|5,428\|gbsnh9-2k77}} | {{t\|5,777\|gbsnh9-8h7b}} | {{t\|6,412\|gbsnh9-a2xz}} | {{t\|5,890\|gbsnh9-5fd2}} | {{t\|3.6%\|gbsnh9-kt07}} |
| Intangible assets | {{t\|7,515\|gbsnh9-7es2}} | {{t\|7,590\|gbsnh9-ss7v}} | {{t\|7,626\|gbsnh9-dcys}} | {{t\|7,949\|gbsnh9-vmce}} | {{t\|7,615\|gbsnh9-14s4}} | {{t\|7,545\|gbsnh9-vy6v}} | {{t\|7,528\|gbsnh9-a466}} | {{t\|7,634\|gbsnh9-nz67}} | {{t\|7,476\|gbsnh9-vxyg}} | {{t\|-1.8%\|gbsnh9-ccqj}} |
| **Total assets** | {{t\|16,987\|gbsnh9-6vey}} | {{t\|15,603\|gbsnh9-9jy4}} | {{t\|16,072\|gbsnh9-rulj}} | {{t\|17,164\|gbsnh9-otlg}} | {{t\|15,945\|gbsnh9-ti83}} | {{t\|15,475\|gbsnh9-hzwo}} | {{t\|15,805\|gbsnh9-ep2w}} | {{t\|16,545\|gbsnh9-3ae9}} | {{t\|15,922\|gbsnh9-5cd7}} | {{t\|-0.1%\|gbsnh9-v3ir}} |
**Assets build-up by business unit, Corporate and Other. (Corporate and Other)**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cash and cash equivalents | {{t\|5,973\|gbsnh9-wjrc}} | {{t\|6,237\|gbsnh9-4yz3}} | {{t\|6,009\|gbsnh9-drzi}} | {{t\|7,161\|gbsnh9-5dsh}} | {{t\|4,515\|gbsnh9-nz4c}} | {{t\|4,402\|gbsnh9-kqsh}} | {{t\|3,748\|gbsnh9-c16k}} | {{t\|3,765\|gbsnh9-8olc}} | {{t\|4,689\|gbsnh9-ag55}} | {{t\|3.8%\|gbsnh9-c1m6}} |
| Investments | {{t\|122,814\|gbsnh9-iw75}} | {{t\|127,142\|gbsnh9-yz4c}} | {{t\|125,991\|gbsnh9-ve09}} | {{t\|126,695\|gbsnh9-mo4x}} | {{t\|127,855\|gbsnh9-f643}} | {{t\|129,022\|gbsnh9-afr2}} | {{t\|124,946\|gbsnh9-tqvw}} | {{t\|127,617\|gbsnh9-pesw}} | {{t\|129,335\|gbsnh9-wgcr}} | {{t\|1.2%\|gbsnh9-97lf}} |
| Financial assets for unit-linked contracts | {{t\|0\|gbsnh9-491c}} | {{t\|0\|gbsnh9-h9ia}} | {{t\|0\|gbsnh9-rqxi}} | {{t\|0\|gbsnh9-v47u}} | {{t\|0\|gbsnh9-5tuj}} | {{t\|0\|gbsnh9-yggm}} | {{t\|0\|gbsnh9-7oyb}} | {{t\|0\|gbsnh9-sim4}} | {{t\|0\|gbsnh9-326v}} | n.m. |
| Insurance contract assets | {{t\|0\|gbsnh9-djnn}} | {{t\|0\|gbsnh9-2mnw}} | {{t\|0\|gbsnh9-o6d4}} | {{t\|0\|gbsnh9-bp8e}} | {{t\|0\|gbsnh9-j7vc}} | {{t\|0\|gbsnh9-hakj}} | {{t\|0\|gbsnh9-3agi}} | {{t\|0\|gbsnh9-dwhk}} | {{t\|0\|gbsnh9-yypr}} | n.m. |
| Reinsurance contract assets | {{t\|0\|gbsnh9-wziq}} | {{t\|0\|gbsnh9-o7kf}} | {{t\|0\|gbsnh9-4u2q}} | {{t\|0\|gbsnh9-6jpc}} | {{t\|0\|gbsnh9-ze2x}} | {{t\|0\|gbsnh9-4yg3}} | {{t\|0\|gbsnh9-xgfn}} | {{t\|0\|gbsnh9-0u6x}} | {{t\|0\|gbsnh9-24dp}} | n.m. |
| Deferred tax assets | {{t\|812\|gbsnh9-xitt}} | {{t\|1,497\|gbsnh9-xq1i}} | {{t\|2,049\|gbsnh9-zgdc}} | {{t\|2,585\|gbsnh9-vrwz}} | {{t\|1,859\|gbsnh9-y5ab}} | {{t\|1,595\|gbsnh9-b7p8}} | {{t\|1,447\|gbsnh9-c2b9}} | {{t\|1,314\|gbsnh9-v02w}} | {{t\|1,575\|gbsnh9-72aw}} | {{t\|-15.3%\|gbsnh9-9ozc}} |
| Other assets | {{t\|7,840\|gbsnh9-7xo9}} | {{t\|6,666\|gbsnh9-41fv}} | {{t\|7,301\|gbsnh9-z0gf}} | {{t\|8,538\|gbsnh9-ar60}} | {{t\|8,422\|gbsnh9-j9jm}} | {{t\|8,097\|gbsnh9-ird5}} | {{t\|8,822\|gbsnh9-4ebd}} | {{t\|9,176\|gbsnh9-904p}} | {{t\|10,109\|gbsnh9-cazc}} | {{t\|20.0%\|gbsnh9-or91}} |
| Intangible assets | {{t\|250\|gbsnh9-mef4}} | {{t\|114\|gbsnh9-i5n6}} | {{t\|110\|gbsnh9-689p}} | {{t\|110\|gbsnh9-bwt9}} | {{t\|106\|gbsnh9-bu0s}} | {{t\|299\|gbsnh9-yddu}} | {{t\|302\|gbsnh9-yunt}} | {{t\|294\|gbsnh9-vy49}} | {{t\|290\|gbsnh9-ykgw}} | {{t\|174.1%\|gbsnh9-suq6}} |
| **Total assets** | {{t\|137,689\|gbsnh9-w7ga}} | {{t\|141,655\|gbsnh9-uvom}} | {{t\|141,460\|gbsnh9-fqwt}} | {{t\|145,088\|gbsnh9-g1pk}} | {{t\|142,757\|gbsnh9-hqlg}} | {{t\|143,414\|gbsnh9-0l1h}} | {{t\|139,265\|gbsnh9-a6og}} | {{t\|142,166\|gbsnh9-1ag1}} | {{t\|145,998\|gbsnh9-7x5z}} | {{t\|2.3%\|gbsnh9-8z9u}} |
**Assets time series by type. (Consolidation)**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cash and cash equivalents | {{t\|-122\|gbsnh9-fkep}} | {{t\|-202\|gbsnh9-1q0k}} | {{t\|-170\|gbsnh9-720h}} | {{t\|-182\|gbsnh9-7t67}} | {{t\|-292\|gbsnh9-fajb}} | {{t\|-342\|gbsnh9-oeu6}} | {{t\|-208\|gbsnh9-tt72}} | {{t\|-576\|gbsnh9-xmi5}} | {{t\|-249\|gbsnh9-ampw}} | {{t\|-14.6%\|gbsnh9-e53c}} |
| Investments | {{t\|-93,231\|gbsnh9-iehn}} | {{t\|-96,362\|gbsnh9-iwik}} | {{t\|-98,031\|gbsnh9-2eqi}} | {{t\|-98,726\|gbsnh9-kwd2}} | {{t\|-99,319\|gbsnh9-fga2}} | {{t\|-99,245\|gbsnh9-77p0}} | {{t\|-98,735\|gbsnh9-9u7q}} | {{t\|-98,047\|gbsnh9-oxps}} | {{t\|-98,315\|gbsnh9-wef9}} | {{t\|-1.0%\|gbsnh9-8epi}} |
| Financial assets for unit-linked contracts | {{t\|0\|gbsnh9-7l3e}} | {{t\|0\|gbsnh9-piye}} | {{t\|0\|gbsnh9-o3cz}} | {{t\|0\|gbsnh9-0iqk}} | {{t\|0\|gbsnh9-d1r7}} | {{t\|0\|gbsnh9-1w5g}} | {{t\|0\|gbsnh9-zhmd}} | {{t\|0\|gbsnh9-qkn6}} | {{t\|0\|gbsnh9-5l1o}} | n.m. |
| Insurance contract assets | {{t\|0\|gbsnh9-rxou}} | {{t\|0\|gbsnh9-dmls}} | {{t\|0\|gbsnh9-pkxz}} | {{t\|0\|gbsnh9-7ybn}} | {{t\|0\|gbsnh9-tpd6}} | {{t\|0\|gbsnh9-u0et}} | {{t\|0\|gbsnh9-sree}} | {{t\|0\|gbsnh9-19n6}} | {{t\|0\|gbsnh9-4hnd}} | n.m. |
| Reinsurance contract assets | {{t\|-32\|gbsnh9-6ors}} | {{t\|-26\|gbsnh9-x8kr}} | {{t\|-10\|gbsnh9-vcur}} | {{t\|-25\|gbsnh9-t1rs}} | {{t\|-18\|gbsnh9-u0ny}} | {{t\|-19\|gbsnh9-cv0j}} | {{t\|-10\|gbsnh9-ctvu}} | {{t\|-27\|gbsnh9-qhdi}} | {{t\|-51\|gbsnh9-fku9}} | {{t\|177.0%\|gbsnh9-e7n7}} |
| Deferred tax assets | {{t\|-2,357\|gbsnh9-avh6}} | {{t\|-2,342\|gbsnh9-c03e}} | {{t\|-2,392\|gbsnh9-rumz}} | {{t\|-2,881\|gbsnh9-22ct}} | {{t\|-2,492\|gbsnh9-mv2v}} | {{t\|-2,651\|gbsnh9-oqpx}} | {{t\|-2,323\|gbsnh9-x3cw}} | {{t\|-2,283\|gbsnh9-4tkk}} | {{t\|-2,175\|gbsnh9-gnw3}} | {{t\|-12.7%\|gbsnh9-rlsl}} |
| Other assets | {{t\|-25,393\|gbsnh9-mf0s}} | {{t\|-21,791\|gbsnh9-yyoj}} | {{t\|-23,653\|gbsnh9-erwh}} | {{t\|-25,345\|gbsnh9-w9yf}} | {{t\|-23,686\|gbsnh9-076m}} | {{t\|-22,178\|gbsnh9-q474}} | {{t\|-20,911\|gbsnh9-n6de}} | {{t\|-23,694\|gbsnh9-xkmu}} | {{t\|-26,556\|gbsnh9-k04k}} | {{t\|12.1%\|gbsnh9-ciyu}} |
| Intangible assets | {{t\|0\|gbsnh9-4ys3}} | {{t\|0\|gbsnh9-je4d}} | {{t\|0\|gbsnh9-wvk7}} | {{t\|0\|gbsnh9-6cxe}} | {{t\|3\|gbsnh9-rajk}} | {{t\|3\|gbsnh9-k7bm}} | {{t\|3\|gbsnh9-nik8}} | {{t\|3\|gbsnh9-02ki}} | {{t\|3\|gbsnh9-7tvm}} | {{t\|0.0%\|gbsnh9-p7m3}} |
| **Total assets** | {{t\|-121,136\|gbsnh9-cbp3}} | {{t\|-120,722\|gbsnh9-xj43}} | {{t\|-124,256\|gbsnh9-b1oj}} | {{t\|-127,159\|gbsnh9-w5sq}} | {{t\|-125,804\|gbsnh9-49yq}} | {{t\|-124,432\|gbsnh9-jaol}} | {{t\|-122,184\|gbsnh9-e4yt}} | {{t\|-124,623\|gbsnh9-tbof}} | {{t\|-127,343\|gbsnh9-ut32}} | {{t\|1.2%\|gbsnh9-awza}} |
**Liabilities and equity time series by type.**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Financial liabilites | {{t\|50,877\|gbsnh9-zah6}} | {{t\|47,377\|gbsnh9-a4iu}} | {{t\|50,558\|gbsnh9-hznb}} | {{t\|56,243\|gbsnh9-idrr}} | {{t\|51,310\|gbsnh9-h5og}} | {{t\|53,251\|gbsnh9-ocwd}} | {{t\|55,133\|gbsnh9-epyp}} | {{t\|53,943\|gbsnh9-wzqh}} | {{t\|56,282\|gbsnh9-o0t8}} | {{t\|9.7%\|gbsnh9-zrfx}} |
| Insurance contract liabilities | {{t\|883,250\|gbsnh9-nd5n}} | {{t\|832,834\|gbsnh9-dosm}} | {{t\|774,023\|gbsnh9-2lz9}} | {{t\|757,771\|gbsnh9-1bar}} | {{t\|740,799\|gbsnh9-zgsf}} | {{t\|751,373\|gbsnh9-v951}} | {{t\|754,829\|gbsnh9-nyjo}} | {{t\|741,979\|gbsnh9-zte5}} | {{t\|776,944\|gbsnh9-wiuz}} | {{t\|4.9%\|gbsnh9-sqsf}} |
| Reinsurance contract liabilities | {{t\|55\|gbsnh9-8u2i}} | {{t\|55\|gbsnh9-bl58}} | {{t\|51\|gbsnh9-wyh7}} | {{t\|378\|gbsnh9-3yje}} | {{t\|257\|gbsnh9-90ei}} | {{t\|354\|gbsnh9-t4zf}} | {{t\|1,024\|gbsnh9-nnig}} | {{t\|271\|gbsnh9-dsbq}} | {{t\|231\|gbsnh9-9jmj}} | {{t\|-10.3%\|gbsnh9-so3j}} |
| Investment contract liabilities | {{t\|55,872\|gbsnh9-c7pa}} | {{t\|54,413\|gbsnh9-868u}} | {{t\|50,779\|gbsnh9-nfrx}} | {{t\|48,956\|gbsnh9-s9h1}} | {{t\|47,827\|gbsnh9-och1}} | {{t\|51,360\|gbsnh9-rg5o}} | {{t\|51,435\|gbsnh9-h5mj}} | {{t\|49,982\|gbsnh9-6n2y}} | {{t\|49,686\|gbsnh9-lex5}} | {{t\|3.9%\|gbsnh9-6ll5}} |
| Deferred tax liabilities | {{t\|2,368\|gbsnh9-2zh9}} | {{t\|2,155\|gbsnh9-hea7}} | {{t\|2,701\|gbsnh9-lwjl}} | {{t\|2,311\|gbsnh9-lcz2}} | {{t\|2,158\|gbsnh9-d2qv}} | {{t\|1,979\|gbsnh9-cp6x}} | {{t\|1,982\|gbsnh9-n47f}} | {{t\|2,039\|gbsnh9-csza}} | {{t\|2,124\|gbsnh9-65zd}} | {{t\|-1.6%\|gbsnh9-kd11}} |
| Other liabilities | {{t\|38,956\|gbsnh9-cpkd}} | {{t\|37,929\|gbsnh9-8dyw}} | {{t\|36,102\|gbsnh9-1y7z}} | {{t\|35,878\|gbsnh9-uee0}} | {{t\|34,810\|gbsnh9-xgog}} | {{t\|36,821\|gbsnh9-jo9x}} | {{t\|34,501\|gbsnh9-1q7l}} | {{t\|33,768\|gbsnh9-uhwe}} | {{t\|34,328\|gbsnh9-ut85}} | {{t\|-1.4%\|gbsnh9-uu4d}} |
| **Total liabilities** | {{t\|1,031,378\|gbsnh9-vtw4}} | {{t\|974,761\|gbsnh9-eppl}} | {{t\|914,214\|gbsnh9-s94x}} | {{t\|901,536\|gbsnh9-wviw}} | {{t\|877,163\|gbsnh9-5zpc}} | {{t\|895,138\|gbsnh9-o46u}} | {{t\|898,904\|gbsnh9-zdm3}} | {{t\|881,982\|gbsnh9-l8hc}} | {{t\|919,594\|gbsnh9-x5ny}} | {{t\|4.8%\|gbsnh9-hgmx}} |
| Shareholders' equity | {{t\|61,157\|gbsnh9-kej3}} | {{t\|59,957\|gbsnh9-aunt}} | {{t\|54,914\|gbsnh9-3ltf}} | {{t\|54,115\|gbsnh9-mt5e}} | {{t\|54,415\|gbsnh9-d1b0}} | {{t\|56,770\|gbsnh9-v7x5}} | {{t\|54,318\|gbsnh9-7sbu}} | {{t\|56,089\|gbsnh9-zzd1}} | {{t\|58,477\|gbsnh9-6dgo}} | {{t\|7.5%\|gbsnh9-s0uc}} |
| Issued capital | {{t\|1,170\|gbsnh9-p0bp}} | {{t\|1,170\|gbsnh9-hvri}} | {{t\|1,170\|gbsnh9-dge4}} | {{t\|1,170\|gbsnh9-ylsa}} | {{t\|1,170\|gbsnh9-54xd}} | {{t\|1,170\|gbsnh9-q0zp}} | {{t\|1,170\|gbsnh9-xkwf}} | {{t\|1,170\|gbsnh9-dq9d}} | {{t\|1,170\|gbsnh9-pacp}} | {{t\|0.0%\|gbsnh9-2muw}} |
| Additional paid-in capital | {{t\|27,732\|gbsnh9-2m62}} | {{t\|27,732\|gbsnh9-xbiw}} | {{t\|27,732\|gbsnh9-dfhw}} | {{t\|27,732\|gbsnh9-p0ky}} | {{t\|27,732\|gbsnh9-jr8q}} | {{t\|27,732\|gbsnh9-9nkq}} | {{t\|27,732\|gbsnh9-8fdy}} | {{t\|27,732\|gbsnh9-pigy}} | {{t\|27,732\|gbsnh9-wbex}} | {{t\|0.0%\|gbsnh9-inoi}} |
| Undated subordinated bonds | {{t\|4,699\|gbsnh9-a5qv}} | {{t\|4,747\|gbsnh9-ras3}} | {{t\|4,892\|gbsnh9-0v74}} | {{t\|5,052\|gbsnh9-67qc}} | {{t\|4,843\|gbsnh9-uzzb}} | {{t\|4,802\|gbsnh9-ldaq}} | {{t\|4,792\|gbsnh9-88dv}} | {{t\|4,862\|gbsnh9-cmsw}} | {{t\|4,764\|gbsnh9-y220}} | {{t\|-1.6%\|gbsnh9-yrst}} |
| Retained earnings | {{t\|27,391\|gbsnh9-38w0}} | {{t\|28,499\|gbsnh9-geou}} | {{t\|26,812\|gbsnh9-anbd}} | {{t\|28,819\|gbsnh9-n23j}} | {{t\|29,354\|gbsnh9-cwcu}} | {{t\|30,677\|gbsnh9-dwpj}} | {{t\|27,928\|gbsnh9-irx1}} | {{t\|29,580\|gbsnh9-o3yb}} | {{t\|30,702\|gbsnh9-3uoc}} | {{t\|4.6%\|gbsnh9-2doo}} |
| Foreign currency translation adjustments | {{t\|-3,474\|gbsnh9-5dnd}} | {{t\|-3,018\|gbsnh9-xkcq}} | {{t\|-1,977\|gbsnh9-09eu}} | {{t\|-1,273\|gbsnh9-xw21}} | {{t\|-3,048\|gbsnh9-9be1}} | {{t\|-3,349\|gbsnh9-elpl}} | {{t\|-3,211\|gbsnh9-hkgn}} | {{t\|-2,398\|gbsnh9-b41k}} | {{t\|-2,883\|gbsnh9-nxqj}} | {{t\|-5.4%\|gbsnh9-ednm}} |
| Net unrealized gains and losses | {{t\|3,639\|gbsnh9-knkd}} | {{t\|826\|gbsnh9-a2hy}} | {{t\|-3,715\|gbsnh9-t9lz}} | {{t\|-7,386\|gbsnh9-vvu8}} | {{t\|-5,636\|gbsnh9-z3gv}} | {{t\|-4,262\|gbsnh9-4qsy}} | {{t\|-4,094\|gbsnh9-rl9u}} | {{t\|-4,857\|gbsnh9-8jig}} | {{t\|-3,008\|gbsnh9-pvxf}} | {{t\|-46.6%\|gbsnh9-98xh}} |
| Non-controlling interests | {{t\|4,235\|gbsnh9-eoag}} | {{t\|4,145\|gbsnh9-b23t}} | {{t\|4,188\|gbsnh9-5f0s}} | {{t\|4,325\|gbsnh9-ucid}} | {{t\|4,320\|gbsnh9-5flc}} | {{t\|4,614\|gbsnh9-d98c}} | {{t\|4,506\|gbsnh9-l1qu}} | {{t\|4,600\|gbsnh9-1n4n}} | {{t\|5,103\|gbsnh9-sv3g}} | {{t\|18.1%\|gbsnh9-k47r}} |
| **Total equity** | {{t\|65,392\|gbsnh9-rwq7}} | {{t\|64,103\|gbsnh9-6e1q}} | {{t\|59,102\|gbsnh9-c4pb}} | {{t\|58,440\|gbsnh9-ijhd}} | {{t\|58,735\|gbsnh9-77hs}} | {{t\|61,384\|gbsnh9-f8t8}} | {{t\|58,823\|gbsnh9-qgdy}} | {{t\|60,689\|gbsnh9-wp72}} | {{t\|63,580\|gbsnh9-dx15}} | {{t\|8.2%\|gbsnh9-sijz}} |
| **Total liabilities and equity** | {{t\|1,096,770\|gbsnh9-zcew}} | {{t\|1,038,864\|gbsnh9-g3m4}} | {{t\|973,316\|gbsnh9-86du}} | {{t\|959,976\|gbsnh9-mjb2}} | {{t\|935,897\|gbsnh9-ykn1}} | {{t\|956,523\|gbsnh9-9rww}} | {{t\|957,728\|gbsnh9-xyfr}} | {{t\|942,671\|gbsnh9-zkyx}} | {{t\|983,174\|gbsnh9-lu51}} | {{t\|5.1%\|gbsnh9-tgrm}} |
**Liabilities and equity time series by type, P&C.**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Financial liabilites | {{t\|1,931\|gbsnh9-68x9}} | {{t\|2,025\|gbsnh9-1a89}} | {{t\|2,346\|gbsnh9-6y4q}} | {{t\|2,699\|gbsnh9-spiz}} | {{t\|2,004\|gbsnh9-3ron}} | {{t\|1,794\|gbsnh9-z035}} | {{t\|1,640\|gbsnh9-ke2c}} | {{t\|1,836\|gbsnh9-ohxw}} | {{t\|2,502\|gbsnh9-0dmg}} | {{t\|24.9%\|gbsnh9-opff}} |
| Insurance contract liabilities | {{t\|97,627\|gbsnh9-3eqs}} | {{t\|97,456\|gbsnh9-km3r}} | {{t\|93,644\|gbsnh9-cyxj}} | {{t\|93,023\|gbsnh9-3wfu}} | {{t\|91,641\|gbsnh9-bt1v}} | {{t\|94,210\|gbsnh9-cerb}} | {{t\|94,232\|gbsnh9-54o5}} | {{t\|94,105\|gbsnh9-jspo}} | {{t\|96,339\|gbsnh9-pkkr}} | {{t\|5.1%\|gbsnh9-wz3d}} |
| Reinsurance contract liabilities | {{t\|0\|gbsnh9-0hty}} | {{t\|0\|gbsnh9-iz72}} | {{t\|0\|gbsnh9-xm17}} | {{t\|233\|gbsnh9-nmqu}} | {{t\|19\|gbsnh9-9xpm}} | {{t\|18\|gbsnh9-lf92}} | {{t\|77\|gbsnh9-u8nk}} | {{t\|62\|gbsnh9-ueey}} | {{t\|125\|gbsnh9-kx3x}} | n.m. |
| Investment contract liabilities | {{t\|0\|gbsnh9-z6mo}} | {{t\|0\|gbsnh9-5i71}} | {{t\|0\|gbsnh9-i8xy}} | {{t\|0\|gbsnh9-uhgk}} | {{t\|0\|gbsnh9-9fb5}} | {{t\|0\|gbsnh9-ooyq}} | {{t\|0\|gbsnh9-c5jo}} | {{t\|0\|gbsnh9-dect}} | {{t\|0\|gbsnh9-f61p}} | n.m. |
| Deferred tax liabilities | {{t\|2,331\|gbsnh9-mah9}} | {{t\|1,984\|gbsnh9-dxj9}} | {{t\|1,745\|gbsnh9-eg1c}} | {{t\|1,489\|gbsnh9-4itr}} | {{t\|1,661\|gbsnh9-8wl9}} | {{t\|1,815\|gbsnh9-d3zb}} | {{t\|1,743\|gbsnh9-ik0m}} | {{t\|1,715\|gbsnh9-d0uo}} | {{t\|1,863\|gbsnh9-enwd}} | {{t\|12.2%\|gbsnh9-1b4q}} |
| Other liabilities | {{t\|15,681\|gbsnh9-wiix}} | {{t\|14,892\|gbsnh9-uk65}} | {{t\|15,797\|gbsnh9-9eb1}} | {{t\|16,353\|gbsnh9-73ez}} | {{t\|15,806\|gbsnh9-wdxx}} | {{t\|17,084\|gbsnh9-9r7v}} | {{t\|15,344\|gbsnh9-eczr}} | {{t\|15,560\|gbsnh9-mbm4}} | {{t\|16,288\|gbsnh9-8ab5}} | {{t\|3.1%\|gbsnh9-6lvk}} |
| **Total liabilities** | {{t\|117,571\|gbsnh9-yz5i}} | {{t\|116,356\|gbsnh9-qf46}} | {{t\|113,531\|gbsnh9-32kg}} | {{t\|113,796\|gbsnh9-9ra9}} | {{t\|111,130\|gbsnh9-tlod}} | {{t\|114,921\|gbsnh9-q6rq}} | {{t\|113,035\|gbsnh9-lrme}} | {{t\|113,277\|gbsnh9-4dny}} | {{t\|117,117\|gbsnh9-mtch}} | {{t\|5.4%\|gbsnh9-lpyl}} |
| Shareholders' equity | {{t\|47,843\|gbsnh9-zdia}} | {{t\|47,344\|gbsnh9-c3b7}} | {{t\|44,933\|gbsnh9-u68d}} | {{t\|44,769\|gbsnh9-ns1s}} | {{t\|43,848\|gbsnh9-ajhc}} | {{t\|44,757\|gbsnh9-zz4f}} | {{t\|44,549\|gbsnh9-6051}} | {{t\|44,796\|gbsnh9-he2n}} | {{t\|46,216\|gbsnh9-xjum}} | {{t\|5.4%\|gbsnh9-3kv8}} |
| Non-controlling interests | {{t\|1,535\|gbsnh9-ceke}} | {{t\|1,509\|gbsnh9-qh1s}} | {{t\|1,498\|gbsnh9-yv1l}} | {{t\|1,468\|gbsnh9-mydq}} | {{t\|1,459\|gbsnh9-le61}} | {{t\|1,486\|gbsnh9-c8zo}} | {{t\|1,429\|gbsnh9-cjoi}} | {{t\|1,437\|gbsnh9-8h6b}} | {{t\|1,359\|gbsnh9-zzcj}} | {{t\|-6.8%\|gbsnh9-35cg}} |
| **Total equity** | {{t\|49,378\|gbsnh9-p7lv}} | {{t\|48,854\|gbsnh9-mil0}} | {{t\|46,432\|gbsnh9-k586}} | {{t\|46,238\|gbsnh9-etqw}} | {{t\|45,306\|gbsnh9-flg0}} | {{t\|46,242\|gbsnh9-hmbu}} | {{t\|45,978\|gbsnh9-9fxf}} | {{t\|46,233\|gbsnh9-1qd2}} | {{t\|47,574\|gbsnh9-eagf}} | {{t\|5.0%\|gbsnh9-p9ty}} |
| **Total liabilities and equity** | {{t\|166,949\|gbsnh9-w2dt}} | {{t\|165,210\|gbsnh9-88st}} | {{t\|159,963\|gbsnh9-37e6}} | {{t\|160,034\|gbsnh9-fzsv}} | {{t\|156,436\|gbsnh9-uil5}} | {{t\|161,163\|gbsnh9-dixl}} | {{t\|159,013\|gbsnh9-yz04}} | {{t\|159,510\|gbsnh9-s234}} | {{t\|164,692\|gbsnh9-ghyf}} | {{t\|5.3%\|gbsnh9-8dob}} |
**Liabilities and equity time series by type, life and health.**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Financial liabilites | {{t\|17,180\|gbsnh9-md3g}} | {{t\|14,715\|gbsnh9-hal6}} | {{t\|15,437\|gbsnh9-lbvc}} | {{t\|18,192\|gbsnh9-o689}} | {{t\|16,185\|gbsnh9-wao5}} | {{t\|18,284\|gbsnh9-45nn}} | {{t\|19,705\|gbsnh9-6oyc}} | {{t\|17,758\|gbsnh9-vrjv}} | {{t\|20,398\|gbsnh9-hn8o}} | {{t\|26.0%\|gbsnh9-l6hc}} |
| Insurance contract liabilities | {{t\|785,656\|gbsnh9-l4qj}} | {{t\|735,416\|gbsnh9-umf8}} | {{t\|680,399\|gbsnh9-qexe}} | {{t\|664,781\|gbsnh9-99si}} | {{t\|649,184\|gbsnh9-77rz}} | {{t\|657,195\|gbsnh9-0txr}} | {{t\|660,614\|gbsnh9-affc}} | {{t\|647,906\|gbsnh9-hpd2}} | {{t\|680,654\|gbsnh9-iuok}} | {{t\|4.8%\|gbsnh9-a3ez}} |
| Reinsurance contract liabilities | {{t\|55\|gbsnh9-39fd}} | {{t\|55\|gbsnh9-c9ur}} | {{t\|51\|gbsnh9-yj2v}} | {{t\|145\|gbsnh9-9ujj}} | {{t\|239\|gbsnh9-emzn}} | {{t\|336\|gbsnh9-fuwo}} | {{t\|947\|gbsnh9-1ox6}} | {{t\|209\|gbsnh9-5cit}} | {{t\|105\|gbsnh9-3gch}} | {{t\|-55.9%\|gbsnh9-p36x}} |
| Investment contract liabilities | {{t\|55,872\|gbsnh9-z008}} | {{t\|54,413\|gbsnh9-9qeg}} | {{t\|50,779\|gbsnh9-3ox9}} | {{t\|48,956\|gbsnh9-pn54}} | {{t\|47,827\|gbsnh9-2cal}} | {{t\|51,360\|gbsnh9-hs9a}} | {{t\|51,435\|gbsnh9-fmpn}} | {{t\|49,982\|gbsnh9-djh6}} | {{t\|49,686\|gbsnh9-v3am}} | {{t\|3.9%\|gbsnh9-6zwp}} |
| Deferred tax liabilities | {{t\|2,027\|gbsnh9-pwkh}} | {{t\|2,037\|gbsnh9-fzvx}} | {{t\|2,620\|gbsnh9-cbrk}} | {{t\|2,746\|gbsnh9-4ds5}} | {{t\|2,482\|gbsnh9-safs}} | {{t\|2,243\|gbsnh9-l227}} | {{t\|1,982\|gbsnh9-79kn}} | {{t\|2,054\|gbsnh9-onvt}} | {{t\|1,914\|gbsnh9-7ubg}} | {{t\|-22.9%\|gbsnh9-u96n}} |
| Other liabilities | {{t\|9,677\|gbsnh9-rcr0}} | {{t\|8,762\|gbsnh9-eyyg}} | {{t\|10,403\|gbsnh9-7m9w}} | {{t\|10,700\|gbsnh9-agtz}} | {{t\|10,196\|gbsnh9-jqas}} | {{t\|10,310\|gbsnh9-l0kd}} | {{t\|9,402\|gbsnh9-8wed}} | {{t\|9,018\|gbsnh9-romz}} | {{t\|8,533\|gbsnh9-brm1}} | {{t\|-16.3%\|gbsnh9-4sjf}} |
| **Total liabilities** | {{t\|870,467\|gbsnh9-dcyg}} | {{t\|815,397\|gbsnh9-wj8y}} | {{t\|759,689\|gbsnh9-tlbv}} | {{t\|745,519\|gbsnh9-jmy9}} | {{t\|726,112\|gbsnh9-x03z}} | {{t\|739,728\|gbsnh9-so0y}} | {{t\|744,085\|gbsnh9-y8y4}} | {{t\|726,928\|gbsnh9-47ty}} | {{t\|761,290\|gbsnh9-yr4l}} | {{t\|4.8%\|gbsnh9-mv47}} |
| Shareholders' equity | {{t\|24,076\|gbsnh9-k88q}} | {{t\|20,054\|gbsnh9-pf0y}} | {{t\|18,876\|gbsnh9-g4h2}} | {{t\|17,808\|gbsnh9-p6qt}} | {{t\|18,923\|gbsnh9-bene}} | {{t\|19,571\|gbsnh9-5e2q}} | {{t\|20,136\|gbsnh9-xj63}} | {{t\|20,553\|gbsnh9-sa56}} | {{t\|20,934\|gbsnh9-kso5}} | {{t\|10.6%\|gbsnh9-bohc}} |
| Non-controlling interests | {{t\|1,738\|gbsnh9-yrtx}} | {{t\|1,666\|gbsnh9-fjjw}} | {{t\|1,513\|gbsnh9-qm4i}} | {{t\|1,521\|gbsnh9-pfq0}} | {{t\|1,528\|gbsnh9-wy09}} | {{t\|1,604\|gbsnh9-y1b5}} | {{t\|1,607\|gbsnh9-b7sa}} | {{t\|1,592\|gbsnh9-3bn9}} | {{t\|1,682\|gbsnh9-ke48}} | {{t\|10.1%\|gbsnh9-3ybx}} |
| **Total equity** | {{t\|25,813\|gbsnh9-xueu}} | {{t\|21,720\|gbsnh9-j3t5}} | {{t\|20,389\|gbsnh9-wnfz}} | {{t\|19,329\|gbsnh9-xtux}} | {{t\|20,451\|gbsnh9-8wtx}} | {{t\|21,175\|gbsnh9-1o9q}} | {{t\|21,743\|gbsnh9-vee8}} | {{t\|22,144\|gbsnh9-o9fy}} | {{t\|22,615\|gbsnh9-1buj}} | {{t\|10.6%\|gbsnh9-2j2w}} |
| **Total liabilities and equity** | {{t\|896,280\|gbsnh9-ntk0}} | {{t\|837,117\|gbsnh9-kvpn}} | {{t\|780,078\|gbsnh9-0gru}} | {{t\|764,848\|gbsnh9-9hlv}} | {{t\|746,563\|gbsnh9-z5dn}} | {{t\|760,903\|gbsnh9-ked4}} | {{t\|765,828\|gbsnh9-bvic}} | {{t\|749,073\|gbsnh9-o210}} | {{t\|783,905\|gbsnh9-fzmf}} | {{t\|5.0%\|gbsnh9-k0e7}} |
**Liabilities and equity time series by type, asset management.**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Financial liabilites | {{t\|130\|gbsnh9-e9ox}} | {{t\|123\|gbsnh9-htj4}} | {{t\|116\|gbsnh9-ggke}} | {{t\|130\|gbsnh9-i5gu}} | {{t\|135\|gbsnh9-kxwn}} | {{t\|105\|gbsnh9-q2oy}} | {{t\|106\|gbsnh9-08ky}} | {{t\|116\|gbsnh9-q9e0}} | {{t\|116\|gbsnh9-lyx3}} | {{t\|-14.3%\|gbsnh9-3mfx}} |
| Insurance contract liabilities | {{t\|0\|gbsnh9-zxk5}} | {{t\|0\|gbsnh9-9aim}} | {{t\|0\|gbsnh9-s2h9}} | {{t\|0\|gbsnh9-jtax}} | {{t\|0\|gbsnh9-05br}} | {{t\|0\|gbsnh9-6ihc}} | {{t\|0\|gbsnh9-z0qd}} | {{t\|0\|gbsnh9-zs6e}} | {{t\|0\|gbsnh9-vvzo}} | n.m. |
| Reinsurance contract liabilities | {{t\|0\|gbsnh9-amtf}} | {{t\|0\|gbsnh9-a01w}} | {{t\|0\|gbsnh9-jp2j}} | {{t\|0\|gbsnh9-80zm}} | {{t\|0\|gbsnh9-sy3r}} | {{t\|0\|gbsnh9-z9nc}} | {{t\|0\|gbsnh9-f793}} | {{t\|0\|gbsnh9-qysd}} | {{t\|0\|gbsnh9-p90s}} | n.m. |
| Investment contract liabilities | {{t\|0\|gbsnh9-5eg7}} | {{t\|0\|gbsnh9-nchs}} | {{t\|0\|gbsnh9-mnv0}} | {{t\|0\|gbsnh9-g722}} | {{t\|0\|gbsnh9-i4v6}} | {{t\|0\|gbsnh9-g17r}} | {{t\|0\|gbsnh9-bpxh}} | {{t\|0\|gbsnh9-g21j}} | {{t\|0\|gbsnh9-30sz}} | n.m. |
| Deferred tax liabilities | {{t\|-15\|gbsnh9-1um1}} | {{t\|-19\|gbsnh9-tl1d}} | {{t\|0\|gbsnh9-t67g}} | {{t\|137\|gbsnh9-yuhl}} | {{t\|125\|gbsnh9-a9me}} | {{t\|122\|gbsnh9-66b2}} | {{t\|121\|gbsnh9-aet7}} | {{t\|125\|gbsnh9-8k5p}} | {{t\|133\|gbsnh9-ed9i}} | {{t\|6.7%\|gbsnh9-7249}} |
| Other liabilities | {{t\|9,343\|gbsnh9-9enu}} | {{t\|7,356\|gbsnh9-fxvu}} | {{t\|5,593\|gbsnh9-3x2e}} | {{t\|6,333\|gbsnh9-63z9}} | {{t\|5,542\|gbsnh9-p13d}} | {{t\|4,894\|gbsnh9-kfdt}} | {{t\|5,197\|gbsnh9-0k08}} | {{t\|5,606\|gbsnh9-0nkc}} | {{t\|5,419\|gbsnh9-4mqh}} | {{t\|-2.2%\|gbsnh9-wbnj}} |
| **Total liabilities** | {{t\|9,458\|gbsnh9-n8fz}} | {{t\|7,461\|gbsnh9-nzfn}} | {{t\|5,709\|gbsnh9-uz56}} | {{t\|6,599\|gbsnh9-ps89}} | {{t\|5,802\|gbsnh9-kz48}} | {{t\|5,121\|gbsnh9-0o63}} | {{t\|5,424\|gbsnh9-h5kj}} | {{t\|5,846\|gbsnh9-iqfa}} | {{t\|5,668\|gbsnh9-7k7h}} | {{t\|-2.3%\|gbsnh9-2j8t}} |
| Shareholders' equity | {{t\|7,413\|gbsnh9-5r0n}} | {{t\|8,028\|gbsnh9-4up9}} | {{t\|10,247\|gbsnh9-tru2}} | {{t\|10,442\|gbsnh9-wiyc}} | {{t\|10,024\|gbsnh9-gmvi}} | {{t\|10,246\|gbsnh9-yzkn}} | {{t\|10,272\|gbsnh9-kfdg}} | {{t\|10,578\|gbsnh9-yjdb}} | {{t\|10,131\|gbsnh9-hh0s}} | {{t\|1.1%\|gbsnh9-7y2f}} |
| Non-controlling interests | {{t\|116\|gbsnh9-90uj}} | {{t\|114\|gbsnh9-px2b}} | {{t\|115\|gbsnh9-cx94}} | {{t\|123\|gbsnh9-2rsw}} | {{t\|119\|gbsnh9-898k}} | {{t\|108\|gbsnh9-ogyy}} | {{t\|109\|gbsnh9-36cq}} | {{t\|120\|gbsnh9-gf43}} | {{t\|123\|gbsnh9-4bwk}} | {{t\|3.5%\|gbsnh9-uv7z}} |
| **Total equity** | {{t\|7,530\|gbsnh9-aov4}} | {{t\|8,142\|gbsnh9-l2sg}} | {{t\|10,362\|gbsnh9-vjaa}} | {{t\|10,565\|gbsnh9-9fe5}} | {{t\|10,143\|gbsnh9-0itg}} | {{t\|10,354\|gbsnh9-3b4a}} | {{t\|10,381\|gbsnh9-qin2}} | {{t\|10,698\|gbsnh9-iohm}} | {{t\|10,254\|gbsnh9-fsvt}} | {{t\|1.1%\|gbsnh9-cbao}} |
| **Total liabilities and equity** | {{t\|16,987\|gbsnh9-k75j}} | {{t\|15,603\|gbsnh9-0d5q}} | {{t\|16,072\|gbsnh9-gr8o}} | {{t\|17,164\|gbsnh9-gjsz}} | {{t\|15,945\|gbsnh9-wlg3}} | {{t\|15,475\|gbsnh9-8jgj}} | {{t\|15,805\|gbsnh9-dwt0}} | {{t\|16,545\|gbsnh9-qpnn}} | {{t\|15,922\|gbsnh9-csqr}} | {{t\|-0.1%\|gbsnh9-9svl}} |
**Liabilities and equity time series by type, holding and consolidation.**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Financial liabilites | {{t\|38,170\|gbsnh9-rc37}} | {{t\|37,151\|gbsnh9-0asn}} | {{t\|38,690\|gbsnh9-ew53}} | {{t\|41,677\|gbsnh9-pgi2}} | {{t\|39,675\|gbsnh9-l6h9}} | {{t\|39,844\|gbsnh9-rpns}} | {{t\|40,876\|gbsnh9-kl0d}} | {{t\|41,937\|gbsnh9-b9yq}} | {{t\|40,917\|gbsnh9-vqbp}} | {{t\|3.1%\|gbsnh9-kixl}} |
| Insurance contract liabilities | {{t\|-0\|gbsnh9-k346}} | {{t\|-0\|gbsnh9-p6a8}} | {{t\|0\|gbsnh9-b7oi}} | {{t\|0\|gbsnh9-xl38}} | {{t\|0\|gbsnh9-b4m1}} | {{t\|0\|gbsnh9-vi4g}} | {{t\|0\|gbsnh9-7cui}} | {{t\|0\|gbsnh9-2ns3}} | {{t\|0\|gbsnh9-bdd4}} | n.m. |
| Reinsurance contract liabilities | {{t\|0\|gbsnh9-gzl6}} | {{t\|0\|gbsnh9-tvey}} | {{t\|0\|gbsnh9-u2d6}} | {{t\|0\|gbsnh9-pu4x}} | {{t\|0\|gbsnh9-1zip}} | {{t\|0\|gbsnh9-yt2g}} | {{t\|0\|gbsnh9-hakx}} | {{t\|0\|gbsnh9-wgpj}} | {{t\|0\|gbsnh9-1wg5}} | n.m. |
| Investment contract liabilities | {{t\|0\|gbsnh9-zxj1}} | {{t\|0\|gbsnh9-j9tt}} | {{t\|0\|gbsnh9-0ex3}} | {{t\|0\|gbsnh9-ob1c}} | {{t\|0\|gbsnh9-om34}} | {{t\|0\|gbsnh9-axv7}} | {{t\|0\|gbsnh9-4ch7}} | {{t\|0\|gbsnh9-xqe1}} | {{t\|0\|gbsnh9-3gfh}} | n.m. |
| Deferred tax liabilities | {{t\|390\|gbsnh9-q6y5}} | {{t\|500\|gbsnh9-u7aw}} | {{t\|715\|gbsnh9-xy0t}} | {{t\|798\|gbsnh9-a6ba}} | {{t\|363\|gbsnh9-vmuf}} | {{t\|430\|gbsnh9-w5w2}} | {{t\|466\|gbsnh9-knd8}} | {{t\|435\|gbsnh9-g1an}} | {{t\|396\|gbsnh9-rem2}} | {{t\|9.1%\|gbsnh9-2cqy}} |
| Other liabilities | {{t\|29,686\|gbsnh9-q8vh}} | {{t\|28,765\|gbsnh9-nmsi}} | {{t\|27,905\|gbsnh9-po7p}} | {{t\|27,752\|gbsnh9-wukf}} | {{t\|26,870\|gbsnh9-a6wm}} | {{t\|26,560\|gbsnh9-jo3f}} | {{t\|25,480\|gbsnh9-5zpz}} | {{t\|27,267\|gbsnh9-ivpu}} | {{t\|30,614\|gbsnh9-dtko}} | {{t\|13.9%\|gbsnh9-yfvq}} |
| **Total liabilities** | {{t\|68,245\|gbsnh9-v2ci}} | {{t\|66,416\|gbsnh9-k84e}} | {{t\|67,311\|gbsnh9-wxn6}} | {{t\|70,227\|gbsnh9-39ov}} | {{t\|66,908\|gbsnh9-fdjg}} | {{t\|66,835\|gbsnh9-qdtj}} | {{t\|66,822\|gbsnh9-k817}} | {{t\|69,640\|gbsnh9-a8lg}} | {{t\|71,927\|gbsnh9-wlif}} | {{t\|7.5%\|gbsnh9-78bo}} |
| Shareholders' equity | {{t\|68,374\|gbsnh9-ar5w}} | {{t\|74,159\|gbsnh9-3kgn}} | {{t\|72,862\|gbsnh9-jnao}} | {{t\|73,421\|gbsnh9-qels}} | {{t\|74,408\|gbsnh9-7x93}} | {{t\|74,934\|gbsnh9-7jqx}} | {{t\|70,854\|gbsnh9-b8vt}} | {{t\|70,847\|gbsnh9-dc24}} | {{t\|72,102\|gbsnh9-s6cf}} | {{t\|-3.1%\|gbsnh9-2hig}} |
| Non-controlling interests | {{t\|1,070\|gbsnh9-smu3}} | {{t\|1,080\|gbsnh9-u6c3}} | {{t\|1,287\|gbsnh9-3ctz}} | {{t\|1,440\|gbsnh9-uxby}} | {{t\|1,441\|gbsnh9-9tm3}} | {{t\|1,645\|gbsnh9-hxwm}} | {{t\|1,589\|gbsnh9-2xxa}} | {{t\|1,680\|gbsnh9-x5g4}} | {{t\|1,970\|gbsnh9-629d}} | {{t\|36.7%\|gbsnh9-mhyv}} |
| **Total equity** | {{t\|69,444\|gbsnh9-mn9r}} | {{t\|75,239\|gbsnh9-tof1}} | {{t\|74,149\|gbsnh9-11bj}} | {{t\|74,862\|gbsnh9-8ncu}} | {{t\|75,849\|gbsnh9-itth}} | {{t\|76,579\|gbsnh9-l43z}} | {{t\|72,443\|gbsnh9-xedp}} | {{t\|72,527\|gbsnh9-19j0}} | {{t\|74,072\|gbsnh9-vq3b}} | {{t\|-2.3%\|gbsnh9-qpme}} |
| **Total liabilities and equity** | {{t\|137,689\|gbsnh9-le7i}} | {{t\|141,655\|gbsnh9-r25g}} | {{t\|141,460\|gbsnh9-n0tf}} | {{t\|145,088\|gbsnh9-2mwp}} | {{t\|142,757\|gbsnh9-00x6}} | {{t\|143,414\|gbsnh9-kffv}} | {{t\|139,265\|gbsnh9-wsrm}} | {{t\|142,166\|gbsnh9-qwrn}} | {{t\|145,998\|gbsnh9-wmdy}} | {{t\|2.3%\|gbsnh9-lnmq}} |
**Liabilities and equity time series by type, consolidation.**
| In EUR million | 01.01.2022 | 31.03.2022 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 | 30.06.2023 | 30.09.2023 | 31.12.2023 | ∆ 31.12.23 / 31.12.22 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Financial liabilites | {{t\|-6,534\|gbsnh9-j4mo}} | {{t\|-6,638\|gbsnh9-tlmr}} | {{t\|-6,031\|gbsnh9-l5lt}} | {{t\|-6,455\|gbsnh9-495q}} | {{t\|-6,689\|gbsnh9-wzr1}} | {{t\|-6,776\|gbsnh9-3imk}} | {{t\|-7,193\|gbsnh9-bzcn}} | {{t\|-7,703\|gbsnh9-njmm}} | {{t\|-7,651\|gbsnh9-35oq}} | {{t\|14.4%\|gbsnh9-e60m}} |
| Insurance contract liabilities | {{t\|-33\|gbsnh9-o9js}} | {{t\|-38\|gbsnh9-uvzz}} | {{t\|-19\|gbsnh9-37tx}} | {{t\|-33\|gbsnh9-letd}} | {{t\|-26\|gbsnh9-u4ka}} | {{t\|-32\|gbsnh9-8q7y}} | {{t\|-16\|gbsnh9-8tvc}} | {{t\|-33\|gbsnh9-dn6q}} | {{t\|-49\|gbsnh9-nx1x}} | {{t\|87.2%\|gbsnh9-d8lu}} |
| Reinsurance contract liabilities | {{t\|0\|gbsnh9-2ttt}} | {{t\|0\|gbsnh9-mxoy}} | {{t\|0\|gbsnh9-ms7n}} | {{t\|0\|gbsnh9-dhao}} | {{t\|0\|gbsnh9-vods}} | {{t\|0\|gbsnh9-3hly}} | {{t\|0\|gbsnh9-vels}} | {{t\|0\|gbsnh9-0b0o}} | {{t\|0\|gbsnh9-ocyv}} | n.m. |
| Investment contract liabilities | {{t\|0\|gbsnh9-gs21}} | {{t\|0\|gbsnh9-x4kl}} | {{t\|0\|gbsnh9-cj0g}} | {{t\|0\|gbsnh9-kczy}} | {{t\|0\|gbsnh9-2izp}} | {{t\|0\|gbsnh9-fs8k}} | {{t\|0\|gbsnh9-996z}} | {{t\|0\|gbsnh9-8fzt}} | {{t\|0\|gbsnh9-epjb}} | n.m. |
| Deferred tax liabilities | {{t\|-2,364\|gbsnh9-s3db}} | {{t\|-2,347\|gbsnh9-k4fi}} | {{t\|-2,380\|gbsnh9-ubby}} | {{t\|-2,859\|gbsnh9-e1k5}} | {{t\|-2,472\|gbsnh9-7yt9}} | {{t\|-2,631\|gbsnh9-wtix}} | {{t\|-2,330\|gbsnh9-mrwb}} | {{t\|-2,290\|gbsnh9-ky8z}} | {{t\|-2,182\|gbsnh9-8ft3}} | {{t\|-11.7%\|gbsnh9-zi40}} |
| Other liabilities | {{t\|-25,431\|gbsnh9-rwrz}} | {{t\|-21,847\|gbsnh9-iyze}} | {{t\|-23,596\|gbsnh9-gg90}} | {{t\|-25,259\|gbsnh9-xyxv}} | {{t\|-23,603\|gbsnh9-hjim}} | {{t\|-22,027\|gbsnh9-omh9}} | {{t\|-20,922\|gbsnh9-8oyy}} | {{t\|-23,683\|gbsnh9-1cml}} | {{t\|-26,526\|gbsnh9-42hv}} | {{t\|12.4%\|gbsnh9-q7sl}} |
| **Total liabilities** | {{t\|-34,363\|gbsnh9-0bsm}} | {{t\|-30,869\|gbsnh9-18k2}} | {{t\|-32,026\|gbsnh9-ftm3}} | {{t\|-34,606\|gbsnh9-bhvr}} | {{t\|-32,790\|gbsnh9-4mf7}} | {{t\|-31,466\|gbsnh9-tpfw}} | {{t\|-30,462\|gbsnh9-f9c4}} | {{t\|-33,709\|gbsnh9-4eqs}} | {{t\|-36,407\|gbsnh9-2dod}} | {{t\|11.0%\|gbsnh9-moul}} |
| Shareholders' equity | {{t\|-86,549\|gbsnh9-tyfz}} | {{t\|-89,629\|gbsnh9-9zmy}} | {{t\|-92,005\|gbsnh9-j98i}} | {{t\|-92,326\|gbsnh9-zoxp}} | {{t\|-92,788\|gbsnh9-ju0q}} | {{t\|-92,738\|gbsnh9-q9cd}} | {{t\|-91,493\|gbsnh9-cl31}} | {{t\|-90,685\|gbsnh9-ktw9}} | {{t\|-90,904\|gbsnh9-3x9i}} | {{t\|-2.0%\|gbsnh9-6j1t}} |
| Non-controlling interests | {{t\|-224\|gbsnh9-bcl8}} | {{t\|-224\|gbsnh9-cxbn}} | {{t\|-225\|gbsnh9-rvb8}} | {{t\|-227\|gbsnh9-kxm9}} | {{t\|-227\|gbsnh9-qm6y}} | {{t\|-229\|gbsnh9-1pv9}} | {{t\|-229\|gbsnh9-ob53}} | {{t\|-229\|gbsnh9-68v9}} | {{t\|-31\|gbsnh9-fcy9}} | {{t\|-86.2%\|gbsnh9-dke1}} |
| **Total equity** | {{t\|-86,773\|gbsnh9-bjdz}} | {{t\|-89,853\|gbsnh9-z6nj}} | {{t\|-92,230\|gbsnh9-g7c5}} | {{t\|-92,553\|gbsnh9-68wg}} | {{t\|-93,015\|gbsnh9-7nfy}} | {{t\|-92,966\|gbsnh9-0o5w}} | {{t\|-91,722\|gbsnh9-zkxw}} | {{t\|-90,913\|gbsnh9-gapi}} | {{t\|-90,936\|gbsnh9-km70}} | {{t\|-2.2%\|gbsnh9-52p0}} |
| **Total liabilities and equity** | {{t\|-121,136\|gbsnh9-05xp}} | {{t\|-120,722\|gbsnh9-5g4e}} | {{t\|-124,256\|gbsnh9-wad0}} | {{t\|-127,159\|gbsnh9-eqfk}} | {{t\|-125,804\|gbsnh9-s4mn}} | {{t\|-124,432\|gbsnh9-1vnj}} | {{t\|-122,184\|gbsnh9-562l}} | {{t\|-124,623\|gbsnh9-t2id}} | {{t\|-127,343\|gbsnh9-l47n}} | {{t\|1.2%\|gbsnh9-htox}} |
**Shareholders' equity sensitivity by market risk. (As of 31.12.2023)**
| In EUR billion | Impact | S/h equity |
| --- | --- | --- |
| **Shareholders' equity** | — | {{t\|58.5\|gbsnh9-yrdz}} |
| Equity markets +30% | {{t\|4%\|gbsnh9-vl3l}} | {{t\|60.7\|gbsnh9-ncf9}} |
| Equity markets -30% | {{t\|-4%\|gbsnh9-7pci}} | {{t\|56.0\|gbsnh9-idf7}} |
| Interest rate +50bps | {{t\|-0%\|gbsnh9-fbwb}} | {{t\|58.2\|gbsnh9-09as}} |
| Interest rate -50bps | {{t\|0%\|gbsnh9-baj7}} | {{t\|58.7\|gbsnh9-q2d6}} |
| Credit spread on goverment bonds +50bps | {{t\|-1%\|gbsnh9-2eug}} | {{t\|57.9\|gbsnh9-gd6q}} |
| Credit spread on non-goverment bonds +50bps | {{t\|-1%\|gbsnh9-jk1l}} | {{t\|57.9\|gbsnh9-kgux}} |" |
|---|
|
| id | "gbsnh9-c3" |
|---|
| chunk | 3 |
|---|
| pages | |
|---|
| heading | "Solvency II" |
|---|
| tags | |
|---|
| links | |
|---|
| data_items | |
|---|
| effective_tags | |
|---|
| content | "**Solvency II ratio rollforward by business unit.**
| In EUR billion | 4Q 23 Own funds | 4Q 23 SCR | 4Q 23 SII ratio / impact | 12M 23 Own funds | 12M 23 SCR | 12M 23 SII ratio / impact |
| --- | --- | --- | --- | --- | --- | --- |
| **Opening balance excl. transitionals** | {{t\|81.5\|gbsnh9-l499}} | {{t\|38.5\|gbsnh9-7ngg}} | {{t\|212%\|gbsnh9-oy96}} | {{t\|77.9\|gbsnh9-gd05}} | {{t\|38.8\|gbsnh9-u2zx}} | {{t\|201%\|gbsnh9-1nwy}} |
| Regulatory / model changes | {{t\|7.0\|gbsnh9-wyn1}} | {{t\|3.0\|gbsnh9-8ldl}} | 2%-p | {{t\|7.3\|gbsnh9-4ym6}} | {{t\|2.9\|gbsnh9-u7v7}} | 4%-p |
| Operating SII earnings / business evolution | {{t\|3.5\|gbsnh9-i6zt}} | {{t\|0.3\|gbsnh9-08vx}} | 7%-p | {{t\|13.8\|gbsnh9-uykd}} | {{t\|1.1\|gbsnh9-59uk}} | 27%-p |
| Property-Casualty | {{t\|1.5\|gbsnh9-49l7}} | — | — | {{t\|6.7\|gbsnh9-5x9n}} | — | — |
| Life/Health | {{t\|1.4\|gbsnh9-4wmd}} | — | — | {{t\|5.4\|gbsnh9-j90n}} | — | — |
| Asset Management | {{t\|0.9\|gbsnh9-4cf8}} | — | — | {{t\|2.9\|gbsnh9-daho}} | — | — |
| Corporate and Other | {{t\|-0.3\|gbsnh9-sh9t}} | — | — | {{t\|-1.2\|gbsnh9-le7h}} | — | — |
| Market impact (5) | {{t\|0.1\|gbsnh9-hr3b}} | {{t\|1.2\|gbsnh9-7l2l}} | -6%-p | {{t\|1.5\|gbsnh9-7jyd}} | {{t\|0.8\|gbsnh9-gkyx}} | -1%-p |
| {{t\|Capital management\|\|Capital management}} / management actions | {{t\|-2.0\|gbsnh9-8x6j}} | {{t\|0.0\|gbsnh9-leaa}} | -5%-p | {{t\|-6.8\|gbsnh9-sfa5}} | {{t\|0.1\|gbsnh9-7vtf}} | -16%-p |
| Tax / other (6) | {{t\|-0.6\|gbsnh9-gp3t}} | {{t\|0.4\|gbsnh9-35or}} | -3%-p | {{t\|-4.2\|gbsnh9-890j}} | {{t\|-0.2\|gbsnh9-zqzb}} | -8%-p |
| **Closing balance excl. transitionals** | {{t\|89.6\|gbsnh9-lxwo}} | {{t\|43.5\|gbsnh9-nuca}} | {{t\|206%\|gbsnh9-rc3t}} | {{t\|89.6\|gbsnh9-apxn}} | {{t\|43.5\|gbsnh9-ctyc}} | {{t\|206%\|gbsnh9-pnog}} |
| **Opening balance incl. transitionals** | {{t\|91.7\|gbsnh9-axgg}} | {{t\|38.5\|gbsnh9-3sqh}} | {{t\|238%\|gbsnh9-f5s2}} | {{t\|89.2\|gbsnh9-sd02}} | {{t\|38.8\|gbsnh9-i0v8}} | {{t\|230%\|gbsnh9-y9al}} |
| **Closing balance incl. transitionals** | {{t\|99.7\|gbsnh9-bi8p}} | {{t\|43.5\|gbsnh9-igvf}} | {{t\|229%\|gbsnh9-ka3e}} | {{t\|99.7\|gbsnh9-6v57}} | {{t\|43.5\|gbsnh9-zsck}} | {{t\|229%\|gbsnh9-fr5t}} |
**Solvency II ratio sensitivity. (As of 31.12.2023)**
| In EUR billion | Impact | SII ratio |
| --- | --- | --- |
| **Solvency II ratio** | — | {{t\|206%\|gbsnh9-psnr}} |
| Equity markets +30% | 11%-p | {{t\|217%\|gbsnh9-lzs6}} |
| Equity markets -30% | -15%-p | {{t\|191%\|gbsnh9-j2sk}} |
| Equity markets (traded equities only) +30% | 3%-p | {{t\|209%\|gbsnh9-jmxj}} |
| Equity markets (traded equities only) -30% | -3%-p | {{t\|203%\|gbsnh9-k2wi}} |
| Interest rate (SII non-parallel) +50bps | 2%-p | {{t\|208%\|gbsnh9-tjyn}} |
| Interest rate (SII non-parallel) -50bps | -5%-p | {{t\|201%\|gbsnh9-6rsl}} |
| Credit spread on government bonds +50bps | -5%-p | {{t\|201%\|gbsnh9-15j0}} |
| Credit spread on non-government bonds +50bps | -1%-p | {{t\|205%\|gbsnh9-5kdd}} |
| Combined scenario(7) (IR -50bps, CS +50bps, EQ -30%) | -27%-p | {{t\|179%\|gbsnh9-7var}} |
(5) For SCR including cross effects and policyholder participation.
(6) Other effects on SCR include diversification effects.
(7) Including cross effects." |
|---|
|
| id | "gbsnh9-c4" |
|---|
| chunk | 4 |
|---|
| pages | |
|---|
| heading | "Asset Allocation" |
|---|
| tags | |
|---|
| links | |
|---|
| data_items | |
|---|
| effective_tags | |
|---|
| content | "**Asset allocation by business unit.**
| In EUR billion | Property-Casualty 31.12.2022 | Property-Casualty 31.12.2023 | Life/Health 31.12.2022 | Life/Health 31.12.2023 | Asset Management 31.12.2022 | Asset Management 31.12.2023 | Corporate and Other 31.12.2022 | Corporate and Other 31.12.2023 | Consolidation 31.12.2022 | Consolidation 31.12.2023 | Allianz Group 31.12.2022 | Allianz Group 31.12.2023 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Net cash investments (8) | {{t\|7.9\|gbsnh9-ambf}} | {{t\|8.6\|gbsnh9-5fnm}} | {{t\|12.3\|gbsnh9-qd5j}} | {{t\|19.0\|gbsnh9-cp8w}} | {{t\|2.5\|gbsnh9-roqg}} | {{t\|2.2\|gbsnh9-ugcr}} | {{t\|-5.2\|gbsnh9-s5zu}} | {{t\|-6.0\|gbsnh9-uasp}} | {{t\|-0.3\|gbsnh9-vgsf}} | {{t\|-0.3\|gbsnh9-9tv1}} | {{t\|17.2\|gbsnh9-w4fw}} | {{t\|23.5\|gbsnh9-3o3j}} |
| Equities excluding affiliates | {{t\|3.1\|gbsnh9-sgsj}} | {{t\|3.0\|gbsnh9-1kl7}} | {{t\|40.7\|gbsnh9-8hyw}} | {{t\|38.8\|gbsnh9-sk7m}} | {{t\|0.6\|gbsnh9-wrz3}} | {{t\|0.6\|gbsnh9-yf78}} | {{t\|4.6\|gbsnh9-goer}} | {{t\|5.8\|gbsnh9-hvxl}} | {{t\|0.0\|gbsnh9-5p1a}} | {{t\|0.0\|gbsnh9-2o4s}} | {{t\|49.1\|gbsnh9-jagd}} | {{t\|48.1\|gbsnh9-ovxh}} |
| Equities carried at fair value through P&L | {{t\|0.0\|gbsnh9-ptm6}} | {{t\|0.0\|gbsnh9-kgpr}} | {{t\|0.0\|gbsnh9-1dui}} | {{t\|0.0\|gbsnh9-ucza}} | {{t\|0.0\|gbsnh9-3c8y}} | {{t\|0.0\|gbsnh9-ntmo}} | {{t\|0.0\|gbsnh9-raqh}} | {{t\|0.0\|gbsnh9-4ghy}} | {{t\|0.0\|gbsnh9-byoa}} | {{t\|0.0\|gbsnh9-zv9f}} | {{t\|0.0\|gbsnh9-0qlx}} | {{t\|0.0\|gbsnh9-b1m3}} |
| Equities carried at fair value through OCI | {{t\|1.1\|gbsnh9-ymuf}} | {{t\|1.1\|gbsnh9-nbq1}} | {{t\|21.6\|gbsnh9-ri38}} | {{t\|21.6\|gbsnh9-9uld}} | {{t\|0.5\|gbsnh9-rguw}} | {{t\|0.5\|gbsnh9-p7vc}} | {{t\|3.4\|gbsnh9-xhjq}} | {{t\|3.7\|gbsnh9-314d}} | {{t\|0.0\|gbsnh9-99tl}} | {{t\|0.0\|gbsnh9-e5oq}} | {{t\|26.6\|gbsnh9-49rp}} | {{t\|26.9\|gbsnh9-3n1n}} |
| Equities associates/joint ventures | {{t\|2.1\|gbsnh9-exe9}} | {{t\|1.9\|gbsnh9-ok3o}} | {{t\|19.1\|gbsnh9-jc7t}} | {{t\|17.2\|gbsnh9-lv0b}} | {{t\|0.1\|gbsnh9-c75v}} | {{t\|0.1\|gbsnh9-5oxb}} | {{t\|1.2\|gbsnh9-zjgp}} | {{t\|2.0\|gbsnh9-ymye}} | {{t\|0.0\|gbsnh9-k7gb}} | {{t\|0.0\|gbsnh9-78d2}} | {{t\|22.4\|gbsnh9-p3ee}} | {{t\|21.2\|gbsnh9-8vrl}} |
| Debt securities | {{t\|83.6\|gbsnh9-238g}} | {{t\|89.9\|gbsnh9-tqrh}} | {{t\|419.9\|gbsnh9-qxhl}} | {{t\|434.1\|gbsnh9-8onq}} | {{t\|0.2\|gbsnh9-q8ug}} | {{t\|0.3\|gbsnh9-h24g}} | {{t\|36.9\|gbsnh9-fzdq}} | {{t\|39.8\|gbsnh9-6c6h}} | {{t\|-5.8\|gbsnh9-19cd}} | {{t\|-7.1\|gbsnh9-jcws}} | {{t\|534.8\|gbsnh9-frkf}} | {{t\|557.1\|gbsnh9-wiaw}} |
| Investment funds | {{t\|7.8\|gbsnh9-ndi0}} | {{t\|8.0\|gbsnh9-14t9}} | {{t\|57.6\|gbsnh9-rnqn}} | {{t\|64.4\|gbsnh9-xmj3}} | {{t\|0.2\|gbsnh9-xii7}} | {{t\|0.2\|gbsnh9-d0w5}} | {{t\|1.0\|gbsnh9-v8s1}} | {{t\|1.0\|gbsnh9-ptuk}} | {{t\|0.0\|gbsnh9-u96a}} | {{t\|0.0\|gbsnh9-od0m}} | {{t\|66.6\|gbsnh9-vab5}} | {{t\|73.6\|gbsnh9-hw4w}} |
| Equity funds | {{t\|2.7\|gbsnh9-3fux}} | {{t\|2.7\|gbsnh9-j5as}} | {{t\|24.4\|gbsnh9-mfla}} | {{t\|25.3\|gbsnh9-w59h}} | {{t\|0.0\|gbsnh9-jcd1}} | {{t\|0.0\|gbsnh9-ew6n}} | {{t\|0.9\|gbsnh9-ckdz}} | {{t\|0.8\|gbsnh9-prht}} | {{t\|0.0\|gbsnh9-7ro6}} | {{t\|0.0\|gbsnh9-svuf}} | {{t\|28.0\|gbsnh9-3y2n}} | {{t\|28.8\|gbsnh9-allj}} |
| Debt funds | {{t\|2.7\|gbsnh9-nj4b}} | {{t\|2.9\|gbsnh9-t0h6}} | {{t\|15.3\|gbsnh9-ow0a}} | {{t\|19.3\|gbsnh9-e5m3}} | {{t\|0.1\|gbsnh9-dsc6}} | {{t\|0.2\|gbsnh9-qsc2}} | {{t\|0.1\|gbsnh9-lhnh}} | {{t\|0.1\|gbsnh9-hsuq}} | {{t\|0.0\|gbsnh9-r8wo}} | {{t\|0.0\|gbsnh9-dzkf}} | {{t\|18.2\|gbsnh9-jurs}} | {{t\|22.4\|gbsnh9-hq86}} |
| Real estate funds | {{t\|1.3\|gbsnh9-gs7t}} | {{t\|1.3\|gbsnh9-oydm}} | {{t\|11.6\|gbsnh9-xg3g}} | {{t\|11.9\|gbsnh9-h7x1}} | {{t\|0.0\|gbsnh9-9yfk}} | {{t\|0.0\|gbsnh9-bqb4}} | {{t\|0.0\|gbsnh9-nj4s}} | {{t\|0.0\|gbsnh9-g05q}} | {{t\|0.0\|gbsnh9-962o}} | {{t\|0.0\|gbsnh9-lso2}} | {{t\|12.9\|gbsnh9-ukt3}} | {{t\|13.2\|gbsnh9-l8oo}} |
| Other funds | {{t\|1.0\|gbsnh9-shva}} | {{t\|1.1\|gbsnh9-psyf}} | {{t\|6.4\|gbsnh9-q6h8}} | {{t\|7.9\|gbsnh9-t0kw}} | {{t\|0.1\|gbsnh9-a3js}} | {{t\|0.1\|gbsnh9-l209}} | {{t\|0.0\|gbsnh9-g19l}} | {{t\|0.0\|gbsnh9-wy3g}} | {{t\|0.0\|gbsnh9-rvja}} | {{t\|0.0\|gbsnh9-167l}} | {{t\|7.5\|gbsnh9-smij}} | {{t\|9.1\|gbsnh9-gmsa}} |
| Derivatives (9) | {{t\|0.5\|gbsnh9-akr6}} | {{t\|0.1\|gbsnh9-jptc}} | {{t\|2.7\|gbsnh9-o1vj}} | {{t\|4.6\|gbsnh9-nlgi}} | {{t\|0.0\|gbsnh9-0g3t}} | {{t\|0.0\|gbsnh9-t7pb}} | {{t\|-0.3\|gbsnh9-cj8m}} | {{t\|-0.3\|gbsnh9-qsxx}} | {{t\|0.0\|gbsnh9-a11c}} | {{t\|0.5\|gbsnh9-wy45}} | {{t\|3.0\|gbsnh9-tqda}} | {{t\|4.9\|gbsnh9-qp7c}} |
| Other | {{t\|4.6\|gbsnh9-i8qe}} | {{t\|4.3\|gbsnh9-6fxe}} | {{t\|26.3\|gbsnh9-e0ys}} | {{t\|23.7\|gbsnh9-eiz6}} | {{t\|0.0\|gbsnh9-95t3}} | {{t\|0.0\|gbsnh9-ykj8}} | {{t\|1.8\|gbsnh9-btz1}} | {{t\|1.6\|gbsnh9-a73i}} | {{t\|-0.0\|gbsnh9-j37x}} | {{t\|-0.0\|gbsnh9-fokf}} | {{t\|32.7\|gbsnh9-j0xj}} | {{t\|29.6\|gbsnh9-m5i7}} |
| Real estate (10) | {{t\|4.1\|gbsnh9-4sj8}} | {{t\|3.8\|gbsnh9-e5b5}} | {{t\|22.5\|gbsnh9-2oti}} | {{t\|20.9\|gbsnh9-m8ls}} | {{t\|0.0\|gbsnh9-8b8d}} | {{t\|0.0\|gbsnh9-vjbi}} | {{t\|1.1\|gbsnh9-d122}} | {{t\|1.1\|gbsnh9-nn0q}} | {{t\|-0.0\|gbsnh9-1rjj}} | {{t\|-0.0\|gbsnh9-uckg}} | {{t\|27.6\|gbsnh9-c77m}} | {{t\|25.7\|gbsnh9-mc54}} |
| Fixed assets of alternative investments | {{t\|0.4\|gbsnh9-2wrn}} | {{t\|0.5\|gbsnh9-nj45}} | {{t\|1.9\|gbsnh9-6yrv}} | {{t\|2.2\|gbsnh9-f0t0}} | {{t\|0.0\|gbsnh9-6am1}} | {{t\|0.0\|gbsnh9-ccyv}} | {{t\|0.1\|gbsnh9-78zm}} | {{t\|0.1\|gbsnh9-d21m}} | {{t\|0.0\|gbsnh9-fupg}} | {{t\|0.0\|gbsnh9-fmoy}} | {{t\|2.4\|gbsnh9-uz9k}} | {{t\|2.9\|gbsnh9-skvf}} |
| Other investments | {{t\|0.1\|gbsnh9-hhrz}} | {{t\|0.1\|gbsnh9-o8rh}} | {{t\|1.9\|gbsnh9-su6o}} | {{t\|0.7\|gbsnh9-77ri}} | {{t\|0.0\|gbsnh9-homh}} | {{t\|0.0\|gbsnh9-9krz}} | {{t\|0.6\|gbsnh9-9qzu}} | {{t\|0.4\|gbsnh9-hzrp}} | {{t\|0.0\|gbsnh9-nmw8}} | {{t\|0.0\|gbsnh9-5bg0}} | {{t\|2.6\|gbsnh9-3tu3}} | {{t\|1.1\|gbsnh9-mya2}} |
| **Group/segment financial assets excluding affiliates** | {{t\|107.6\|gbsnh9-0au9}} | {{t\|114.0\|gbsnh9-d8tc}} | {{t\|559.4\|gbsnh9-5mzi}} | {{t\|584.6\|gbsnh9-ojv8}} | {{t\|3.5\|gbsnh9-vyc2}} | {{t\|3.4\|gbsnh9-hlsn}} | {{t\|38.9\|gbsnh9-ketg}} | {{t\|41.9\|gbsnh9-1gmk}} | {{t\|-6.1\|gbsnh9-a3sf}} | {{t\|-6.9\|gbsnh9-xgfc}} | {{t\|703.3\|gbsnh9-19go}} | {{t\|736.8\|gbsnh9-sox2}} |
| Affiliates | {{t\|10.5\|gbsnh9-18nb}} | {{t\|10.5\|gbsnh9-3s4z}} | {{t\|0.1\|gbsnh9-sqg2}} | {{t\|0.1\|gbsnh9-iyfc}} | {{t\|0.0\|gbsnh9-0ejx}} | {{t\|0.0\|gbsnh9-ujin}} | {{t\|82.2\|gbsnh9-80s3}} | {{t\|80.3\|gbsnh9-oo7s}} | {{t\|-92.8\|gbsnh9-170w}} | {{t\|-90.9\|gbsnh9-a771}} | {{t\|0.0\|gbsnh9-ww3p}} | {{t\|0.0\|gbsnh9-h9eo}} |
| **Group/segment financial assets including affiliates** | {{t\|118.1\|gbsnh9-v4sn}} | {{t\|124.5\|gbsnh9-4nfj}} | {{t\|559.6\|gbsnh9-fz8s}} | {{t\|584.7\|gbsnh9-5s5l}} | {{t\|3.5\|gbsnh9-gsm9}} | {{t\|3.4\|gbsnh9-1h8r}} | {{t\|121.1\|gbsnh9-b9gx}} | {{t\|122.1\|gbsnh9-awby}} | {{t\|-99.0\|gbsnh9-kl2o}} | {{t\|-97.9\|gbsnh9-kegi}} | {{t\|703.3\|gbsnh9-a0tf}} | {{t\|736.8\|gbsnh9-lcbp}} |
(8) Net of liabilities from securities lending and including liabilities from cash pooling.
(9) Net of liabilities.
(10) Excludes real estate held for own use measured at amortized cost." |
|---|
|
| id | "gbsnh9-c5" |
|---|
| chunk | 5 |
|---|
| pages | |
|---|
| heading | "Allianz Group - CSM" |
|---|
| tags | |
|---|
| links | |
|---|
| data_items | |
|---|
| effective_tags | |
|---|
| content | "**Gross and net contractual service margin build-up by business unit, IFRS 17.**
| In EUR million | Life/Health 4Q 23 | Life/Health 12M 23 | Property-Casualty 4Q 23 | Property-Casualty 12M 23 | Allianz Group (11) 4Q 23 | Allianz Group (11) 12M 23 |
| --- | --- | --- | --- | --- | --- | --- |
| **Opening gross CSM** | {{t\|52,063\|gbsnh9-r38j}} | {{t\|52,227\|gbsnh9-otkh}} | {{t\|1,237\|gbsnh9-bjpj}} | {{t\|1,172\|gbsnh9-xoqi}} | {{t\|53,268\|gbsnh9-dlyb}} | {{t\|53,382\|gbsnh9-43mx}} |
| **Closing gross CSM** | {{t\|52,601\|gbsnh9-341o}} | {{t\|52,601\|gbsnh9-tvni}} | {{t\|1,239\|gbsnh9-8arw}} | {{t\|1,239\|gbsnh9-6vfl}} | {{t\|53,818\|gbsnh9-p7ek}} | {{t\|53,818\|gbsnh9-mq6c}} |
| Present value of non-attributable expenses | — | — | — | — | {{t\|-6,640\|gbsnh9-ftqw}} | {{t\|-6,640\|gbsnh9-z130}} |
| Reinsurance | — | — | — | — | {{t\|-1,907\|gbsnh9-ehp1}} | {{t\|-1,907\|gbsnh9-730w}} |
| Non-controlling interests | — | — | — | — | {{t\|-1,079\|gbsnh9-mkd9}} | {{t\|-1,079\|gbsnh9-1e8r}} |
| Taxes | — | — | — | — | {{t\|-11,472\|gbsnh9-2po0}} | {{t\|-11,472\|gbsnh9-5q22}} |
| **Closing net CSM** | — | — | — | — | {{t\|32,720\|gbsnh9-c16l}} | {{t\|32,720\|gbsnh9-lbnv}} |
**Contractual service margin rollforward, IFRS 17. (Life/Health)**
| In EUR million | 4Q 23 | 12M 23 |
| --- | --- | --- |
| **Opening gross CSM** | {{t\|52,063\|gbsnh9-dteg}} | {{t\|52,227\|gbsnh9-powg}} |
| CSM@inception | {{t\|1,081\|gbsnh9-73t4}} | {{t\|4,515\|gbsnh9-ao8a}} |
| Expected in-force return | {{t\|995\|gbsnh9-v6yf}} | {{t\|3,022\|gbsnh9-h44m}} |
| Economic variances (incl. F/X) | {{t\|886\|gbsnh9-5uvc}} | {{t\|500\|gbsnh9-e1du}} |
| Non-economic variances and assumption changes | {{t\|-1,171\|gbsnh9-n7so}} | {{t\|-2,696\|gbsnh9-c7pm}} |
| CSM release | {{t\|-1,254\|gbsnh9-u1pi}} | {{t\|-4,967\|gbsnh9-01zj}} |
| **Closing gross CSM** | {{t\|52,601\|gbsnh9-qx1m}} | {{t\|52,601\|gbsnh9-tbtk}} |
**Contractual service margin sensitivity, IFRS 17. (Life/Health)**
| In EUR billion | Impact | Gross CSM |
| --- | --- | --- |
| **Closing gross CSM** | — | {{t\|52.6\|gbsnh9-5e35}} |
| Equity markets +30% | {{t\|5%\|gbsnh9-ueyy}} | {{t\|55.2\|gbsnh9-jhmb}} |
| Equity markets -30% | {{t\|-5%\|gbsnh9-9ad9}} | {{t\|49.8\|gbsnh9-z10p}} |
| Interest rate (SII non-parallel) +50bps | {{t\|-1%\|gbsnh9-p5mb}} | {{t\|52.1\|gbsnh9-q3xt}} |
| Interest rate (SII non-parallel) -50bps | {{t\|0%\|gbsnh9-z0s8}} | {{t\|52.8\|gbsnh9-v3xd}} |
| Credit spread on government bonds +50bps | {{t\|-1%\|gbsnh9-cssr}} | {{t\|52.0\|gbsnh9-nx53}} |
| Credit spread on non-government bonds +50bps | {{t\|-1%\|gbsnh9-5s4r}} | {{t\|52.3\|gbsnh9-5l8a}} |
(11) Life/Health and Property-Casualty figures don't add up due to consolidation effects." |
|---|
|
| id | "gbsnh9-c6" |
|---|
| chunk | 6 |
|---|
| pages | |
|---|
| heading | "Allianz Group" |
|---|
| tags | |
|---|
| links | | "Insurance service result" |
| "Insurance revenue" |
| "Net investment income" |
| "Underlying earnings" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Insurance revenue" |
| "Insurance service result" |
| "Net investment income" |
| "Underlying earnings" |
|
|---|
| content | "**Operating profit build-up by component.**
| In EUR million | 1Q 22 | 2Q 22 | 3Q 22 | 4Q 22 | 2022 | 1Q 23 | 2Q 23 | 3Q 23 | 4Q 23 | 2023 | ∆ 2023 / 2022 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Total business volume (12) | {{t\|44,254\|gbsnh9-x2cd}} | {{t\|37,409\|gbsnh9-bxhe}} | {{t\|34,930\|gbsnh9-45ep}} | {{t\|36,731\|gbsnh9-nrq0}} | {{t\|153,324\|gbsnh9-sta0}} | {{t\|45,966\|gbsnh9-tqe0}} | {{t\|39,623\|gbsnh9-b2yo}} | {{t\|36,517\|gbsnh9-n4it}} | {{t\|39,595\|gbsnh9-bcvq}} | {{t\|161,700\|gbsnh9-mp3r}} | {{t\|5.5%\|gbsnh9-5pdo}} |
| Operating {{t\|insurance service result\|\|Insurance service result}} — {{t\|Insurance revenue\|\|Insurance revenue}} | {{t\|20,599\|gbsnh9-0ei3}} | {{t\|21,456\|gbsnh9-m765}} | {{t\|22,467\|gbsnh9-y5et}} | {{t\|22,463\|gbsnh9-zko8}} | {{t\|86,985\|gbsnh9-xm0c}} | {{t\|22,409\|gbsnh9-nk02}} | {{t\|22,072\|gbsnh9-c2oa}} | {{t\|23,022\|gbsnh9-jf2m}} | {{t\|23,748\|gbsnh9-tddf}} | {{t\|91,251\|gbsnh9-p3qu}} | {{t\|4.9%\|gbsnh9-e8yw}} |
| Operating {{t\|insurance service result\|\|Insurance service result}} — Claims and benefits | {{t\|-13,040\|gbsnh9-ogvw}} | {{t\|-13,650\|gbsnh9-wfa2}} | {{t\|-13,835\|gbsnh9-ndzb}} | {{t\|-14,820\|gbsnh9-j2eb}} | {{t\|-55,345\|gbsnh9-rdch}} | {{t\|-13,722\|gbsnh9-u5xt}} | {{t\|-13,685\|gbsnh9-wtsa}} | {{t\|-15,036\|gbsnh9-calg}} | {{t\|-15,597\|gbsnh9-6ly1}} | {{t\|-58,040\|gbsnh9-p4c7}} | {{t\|4.9%\|gbsnh9-av66}} |
| Operating {{t\|insurance service result\|\|Insurance service result}} — Acquisition and administrative expenses | {{t\|-5,166\|gbsnh9-n2mm}} | {{t\|-5,289\|gbsnh9-6iwe}} | {{t\|-5,450\|gbsnh9-jnm9}} | {{t\|-5,658\|gbsnh9-hpaa}} | {{t\|-21,563\|gbsnh9-03nn}} | {{t\|-5,451\|gbsnh9-nn80}} | {{t\|-5,572\|gbsnh9-xj0d}} | {{t\|-5,769\|gbsnh9-5h46}} | {{t\|-5,675\|gbsnh9-tajf}} | {{t\|-22,466\|gbsnh9-1e2r}} | {{t\|4.2%\|gbsnh9-dlnz}} |
| Operating {{t\|insurance service result\|\|Insurance service result}} — Reinsurance result | {{t\|-431\|gbsnh9-sm2u}} | {{t\|-380\|gbsnh9-go11}} | {{t\|-886\|gbsnh9-fmj4}} | {{t\|-393\|gbsnh9-clok}} | {{t\|-2,090\|gbsnh9-2mbu}} | {{t\|-736\|gbsnh9-lqhe}} | {{t\|-641\|gbsnh9-9x43}} | {{t\|-712\|gbsnh9-91a0}} | {{t\|-652\|gbsnh9-rny8}} | {{t\|-2,742\|gbsnh9-cdta}} | {{t\|31.2%\|gbsnh9-vhth}} |
| Operating {{t\|insurance service result\|\|Insurance service result}} — Other {{t\|insurance service result\|\|Insurance service result}} | {{t\|-15\|gbsnh9-9j15}} | {{t\|-22\|gbsnh9-rc60}} | {{t\|-11\|gbsnh9-s0et}} | {{t\|227\|gbsnh9-9fhp}} | {{t\|179\|gbsnh9-va9t}} | {{t\|-95\|gbsnh9-es5k}} | {{t\|149\|gbsnh9-iwn2}} | {{t\|166\|gbsnh9-zjfn}} | {{t\|110\|gbsnh9-ls01}} | {{t\|330\|gbsnh9-xn6i}} | {{t\|84.5%\|gbsnh9-hqkq}} |
| **Operating {{t\|insurance service result\|\|Insurance service result}} — Subtotal** | {{t\|1,948\|gbsnh9-ubry}} | {{t\|2,115\|gbsnh9-9qyd}} | {{t\|2,284\|gbsnh9-wuyh}} | {{t\|1,818\|gbsnh9-896e}} | {{t\|8,165\|gbsnh9-4z76}} | {{t\|2,404\|gbsnh9-egmx}} | {{t\|2,323\|gbsnh9-kmu8}} | {{t\|1,670\|gbsnh9-b2sd}} | {{t\|1,934\|gbsnh9-1zty}} | {{t\|8,332\|gbsnh9-mkye}} | {{t\|2.0%\|gbsnh9-8x9n}} |
| Operating {{t\|investment result\|\|Net investment income}} — Operating {{t\|net investment income\|\|Net investment income}}, excluding interest expenses from external debt | {{t\|-5,261\|gbsnh9-6xkx}} | {{t\|-9,864\|gbsnh9-ru4c}} | {{t\|2,129\|gbsnh9-gfzg}} | {{t\|1,446\|gbsnh9-gzzk}} | {{t\|-11,551\|gbsnh9-gr29}} | {{t\|7,420\|gbsnh9-b73n}} | {{t\|8,174\|gbsnh9-zaaf}} | {{t\|1,203\|gbsnh9-vmmx}} | {{t\|9,935\|gbsnh9-bat0}} | {{t\|26,732\|gbsnh9-bguk}} | n.m. |
| Operating {{t\|investment result\|\|Net investment income}} — Finance income (expenses) from insurance contracts issued (net) | {{t\|5,250\|gbsnh9-kll0}} | {{t\|10,233\|gbsnh9-qkfq}} | {{t\|-1,178\|gbsnh9-5205}} | {{t\|-435\|gbsnh9-n7hm}} | {{t\|13,870\|gbsnh9-p8yv}} | {{t\|-6,670\|gbsnh9-8awp}} | {{t\|-7,133\|gbsnh9-c1qo}} | {{t\|-267\|gbsnh9-nhbj}} | {{t\|-8,453\|gbsnh9-3eu9}} | {{t\|-22,523\|gbsnh9-auuz}} | n.m. |
| Operating {{t\|investment result\|\|Net investment income}} — Finance income (expenses) from reinsurance contracts held (net) | {{t\|506\|gbsnh9-wffm}} | {{t\|547\|gbsnh9-mg4w}} | {{t\|353\|gbsnh9-9ap4}} | {{t\|16\|gbsnh9-p4og}} | {{t\|1,422\|gbsnh9-yga8}} | {{t\|157\|gbsnh9-p2tt}} | {{t\|143\|gbsnh9-pwv1}} | {{t\|390\|gbsnh9-q0vg}} | {{t\|-133\|gbsnh9-0du9}} | {{t\|556\|gbsnh9-eevh}} | {{t\|-60.9%\|gbsnh9-wl75}} |
| **Operating {{t\|investment result\|\|Net investment income}} — Subtotal** | {{t\|495\|gbsnh9-ts9x}} | {{t\|916\|gbsnh9-vynd}} | {{t\|1,303\|gbsnh9-szhk}} | {{t\|1,027\|gbsnh9-9fqi}} | {{t\|3,741\|gbsnh9-f526}} | {{t\|907\|gbsnh9-0eed}} | {{t\|1,184\|gbsnh9-at8y}} | {{t\|1,326\|gbsnh9-69xm}} | {{t\|1,349\|gbsnh9-shc8}} | {{t\|4,765\|gbsnh9-kxj7}} | {{t\|27.4%\|gbsnh9-3pn9}} |
| Operating {{t\|investment result\|\|Net investment income}} — {{t\|Operating result\|\|Underlying earnings}} from investment contracts | {{t\|88\|gbsnh9-ja39}} | {{t\|50\|gbsnh9-67gk}} | {{t\|121\|gbsnh9-726z}} | {{t\|29\|gbsnh9-o7ay}} | {{t\|288\|gbsnh9-sz3g}} | {{t\|88\|gbsnh9-ihpu}} | {{t\|42\|gbsnh9-deb0}} | {{t\|60\|gbsnh9-r1xs}} | {{t\|48\|gbsnh9-na6e}} | {{t\|237\|gbsnh9-kx51}} | {{t\|-17.8%\|gbsnh9-i4ua}} |
| Operating {{t\|investment result\|\|Net investment income}} — Operating fee and commission result | {{t\|1,994\|gbsnh9-9rjp}} | {{t\|1,986\|gbsnh9-amr9}} | {{t\|1,893\|gbsnh9-utxd}} | {{t\|1,967\|gbsnh9-xu8f}} | {{t\|7,840\|gbsnh9-8fe8}} | {{t\|1,810\|gbsnh9-00op}} | {{t\|1,727\|gbsnh9-x8ie}} | {{t\|1,868\|gbsnh9-uwip}} | {{t\|2,233\|gbsnh9-w340}} | {{t\|7,639\|gbsnh9-5fy6}} | {{t\|-2.6%\|gbsnh9-p193}} |
| Operating {{t\|investment result\|\|Net investment income}} — Operating other result | {{t\|-1,520\|gbsnh9-n8j4}} | {{t\|-1,534\|gbsnh9-sal0}} | {{t\|-1,540\|gbsnh9-tffj}} | {{t\|-1,625\|gbsnh9-op3u}} | {{t\|-6,221\|gbsnh9-d75n}} | {{t\|-1,478\|gbsnh9-vpo0}} | {{t\|-1,494\|gbsnh9-b0ey}} | {{t\|-1,456\|gbsnh9-gf0l}} | {{t\|-1,800\|gbsnh9-5737}} | {{t\|-6,228\|gbsnh9-djxt}} | {{t\|0.1%\|gbsnh9-fzvo}} |
| Operating {{t\|investment result\|\|Net investment income}} — {{t\|Operating profit\|\|Underlying earnings}} | {{t\|3,004\|gbsnh9-qsbj}} | {{t\|3,532\|gbsnh9-s9xf}} | {{t\|4,062\|gbsnh9-1ofj}} | {{t\|3,216\|gbsnh9-s32e}} | {{t\|13,814\|gbsnh9-84oi}} | {{t\|3,731\|gbsnh9-g0nv}} | {{t\|3,783\|gbsnh9-lnmx}} | {{t\|3,468\|gbsnh9-21v6}} | {{t\|3,765\|gbsnh9-041t}} | {{t\|14,746\|gbsnh9-1myu}} | {{t\|6.7%\|gbsnh9-1qne}} |
| Non-operating items — Realized gains/losses (net) | {{t\|341\|gbsnh9-pttv}} | {{t\|-28\|gbsnh9-xfty}} | {{t\|469\|gbsnh9-2quu}} | {{t\|148\|gbsnh9-zc85}} | {{t\|930\|gbsnh9-xxhk}} | {{t\|-26\|gbsnh9-g5v9}} | {{t\|-31\|gbsnh9-x8q3}} | {{t\|-233\|gbsnh9-2hey}} | {{t\|-12\|gbsnh9-x84r}} | {{t\|-302\|gbsnh9-h9q4}} | n.m. |
| Non-operating items — Expected credit loss and impairments (net) | {{t\|-156\|gbsnh9-ts2y}} | {{t\|-25\|gbsnh9-wr8g}} | {{t\|22\|gbsnh9-1t9f}} | {{t\|-404\|gbsnh9-4m6n}} | {{t\|-562\|gbsnh9-je1x}} | {{t\|-180\|gbsnh9-z8nx}} | {{t\|-84\|gbsnh9-jpey}} | {{t\|120\|gbsnh9-rvoh}} | {{t\|-59\|gbsnh9-xnzv}} | {{t\|-203\|gbsnh9-se22}} | {{t\|-63.9%\|gbsnh9-62qk}} |
| Non-operating items — Result from assets and liabilities measured at fair value incl. derivatives | {{t\|48\|gbsnh9-x6sn}} | {{t\|-147\|gbsnh9-9nm2}} | {{t\|-164\|gbsnh9-ragj}} | {{t\|-707\|gbsnh9-bh1x}} | {{t\|-969\|gbsnh9-vaz1}} | {{t\|-195\|gbsnh9-isqn}} | {{t\|-254\|gbsnh9-3vj2}} | {{t\|-91\|gbsnh9-t36q}} | {{t\|-434\|gbsnh9-qk3e}} | {{t\|-974\|gbsnh9-iej4}} | {{t\|0.5%\|gbsnh9-vjv9}} |
| Non-operating items — thereof: Non-operating market movements | {{t\|95\|gbsnh9-wvyj}} | {{t\|-110\|gbsnh9-gtd8}} | {{t\|-76\|gbsnh9-gspx}} | {{t\|-662\|gbsnh9-oqev}} | {{t\|-753\|gbsnh9-arga}} | {{t\|-177\|gbsnh9-shaz}} | {{t\|-202\|gbsnh9-j16b}} | {{t\|-33\|gbsnh9-ro3n}} | {{t\|-367\|gbsnh9-7zl6}} | {{t\|-780\|gbsnh9-e3ig}} | {{t\|3.5%\|gbsnh9-an4z}} |
| Non-operating items — Interest expenses from external debt | {{t\|-132\|gbsnh9-tqcc}} | {{t\|-132\|gbsnh9-bu2y}} | {{t\|-151\|gbsnh9-tzdi}} | {{t\|-145\|gbsnh9-cvql}} | {{t\|-561\|gbsnh9-d4id}} | {{t\|-142\|gbsnh9-t822}} | {{t\|-150\|gbsnh9-nhtv}} | {{t\|-165\|gbsnh9-d83p}} | {{t\|-175\|gbsnh9-jktt}} | {{t\|-631\|gbsnh9-j3f2}} | {{t\|12.5%\|gbsnh9-cfrs}} |
| Non-operating items — Restructuring and integration expenses | {{t\|-263\|gbsnh9-962m}} | {{t\|-262\|gbsnh9-ulmn}} | {{t\|-126\|gbsnh9-vkid}} | {{t\|-226\|gbsnh9-9fuf}} | {{t\|-877\|gbsnh9-2z4g}} | {{t\|-48\|gbsnh9-rmmd}} | {{t\|-72\|gbsnh9-sat8}} | {{t\|-109\|gbsnh9-5v0k}} | {{t\|-299\|gbsnh9-ql7z}} | {{t\|-529\|gbsnh9-qouo}} | {{t\|-39.7%\|gbsnh9-gzn9}} |
| Non-operating items — Amortization of intangible assets | {{t\|-76\|gbsnh9-lj1a}} | {{t\|-75\|gbsnh9-ag5r}} | {{t\|-73\|gbsnh9-2nb5}} | {{t\|-78\|gbsnh9-xl4c}} | {{t\|-302\|gbsnh9-fryp}} | {{t\|-75\|gbsnh9-lmzq}} | {{t\|-74\|gbsnh9-0f6f}} | {{t\|-72\|gbsnh9-6yzn}} | {{t\|-77\|gbsnh9-ta2t}} | {{t\|-298\|gbsnh9-w9wp}} | {{t\|-1.3%\|gbsnh9-ddxi}} |
| Non-operating items — thereof: Amortization of intangible assets from business combinations | {{t\|-30\|gbsnh9-i2jl}} | {{t\|-22\|gbsnh9-ahm9}} | {{t\|-26\|gbsnh9-nd98}} | {{t\|-31\|gbsnh9-dqyu}} | {{t\|-110\|gbsnh9-osip}} | {{t\|-27\|gbsnh9-jlgk}} | {{t\|-26\|gbsnh9-aw7a}} | {{t\|-25\|gbsnh9-kf4w}} | {{t\|-26\|gbsnh9-p2h2}} | {{t\|-105\|gbsnh9-3540}} | {{t\|-4.4%\|gbsnh9-y8es}} |
| Non-operating items — Other (13) | {{t\|-1,716\|gbsnh9-t74c}} | {{t\|-38\|gbsnh9-0ct4}} | {{t\|20\|gbsnh9-0pmr}} | {{t\|-73\|gbsnh9-yo5h}} | {{t\|-1,807\|gbsnh9-j3a0}} | {{t\|-150\|gbsnh9-nrlh}} | {{t\|-97\|gbsnh9-5f37}} | {{t\|-115\|gbsnh9-84bt}} | {{t\|134\|gbsnh9-rkvp}} | {{t\|-227\|gbsnh9-4765}} | {{t\|-87.4%\|gbsnh9-5b8y}} |
| **Non-operating items — Subtotal** | {{t\|-1,954\|gbsnh9-a1s5}} | {{t\|-708\|gbsnh9-3ic5}} | {{t\|-3\|gbsnh9-34ly}} | {{t\|-1,485\|gbsnh9-ynxd}} | {{t\|-4,150\|gbsnh9-tt79}} | {{t\|-816\|gbsnh9-ntut}} | {{t\|-761\|gbsnh9-ukvl}} | {{t\|-665\|gbsnh9-k3k1}} | {{t\|-922\|gbsnh9-lgn3}} | {{t\|-3,164\|gbsnh9-g3ui}} | {{t\|-23.8%\|gbsnh9-sz8y}} |
| **Non-operating items — Income (loss) before income taxes** | {{t\|1,050\|gbsnh9-bw31}} | {{t\|2,824\|gbsnh9-xrlp}} | {{t\|4,059\|gbsnh9-wrsi}} | {{t\|1,732\|gbsnh9-mv0j}} | {{t\|9,664\|gbsnh9-9306}} | {{t\|2,915\|gbsnh9-67yb}} | {{t\|3,021\|gbsnh9-0f8d}} | {{t\|2,803\|gbsnh9-taqe}} | {{t\|2,843\|gbsnh9-8nhb}} | {{t\|11,582\|gbsnh9-7vjh}} | {{t\|19.8%\|gbsnh9-x0bc}} |
| Non-operating items — Income taxes | {{t\|-465\|gbsnh9-586q}} | {{t\|-734\|gbsnh9-s4fl}} | {{t\|-1,058\|gbsnh9-y26d}} | {{t\|-552\|gbsnh9-e11o}} | {{t\|-2,808\|gbsnh9-eoao}} | {{t\|-755\|gbsnh9-yap3}} | {{t\|-535\|gbsnh9-d0w1}} | {{t\|-673\|gbsnh9-v5vy}} | {{t\|-587\|gbsnh9-z7h4}} | {{t\|-2,550\|gbsnh9-hcjq}} | {{t\|-9.2%\|gbsnh9-zg9g}} |
| **Non-operating items — Net income (loss)** | {{t\|585\|gbsnh9-x8ec}} | {{t\|2,089\|gbsnh9-ikk1}} | {{t\|3,001\|gbsnh9-k3b9}} | {{t\|1,180\|gbsnh9-kt2q}} | {{t\|6,856\|gbsnh9-syi1}} | {{t\|2,160\|gbsnh9-c3dy}} | {{t\|2,486\|gbsnh9-y7y2}} | {{t\|2,130\|gbsnh9-iltt}} | {{t\|2,255\|gbsnh9-jlmx}} | {{t\|9,032\|gbsnh9-ee85}} | {{t\|31.7%\|gbsnh9-63fc}} |
| Net income (loss) attributable to: — Non-controlling interests | {{t\|111\|gbsnh9-ebo4}} | {{t\|112\|gbsnh9-j4nh}} | {{t\|136\|gbsnh9-tir6}} | {{t\|76\|gbsnh9-g88q}} | {{t\|435\|gbsnh9-114w}} | {{t\|128\|gbsnh9-e9rr}} | {{t\|150\|gbsnh9-sncw}} | {{t\|108\|gbsnh9-v2p9}} | {{t\|104\|gbsnh9-s8kg}} | {{t\|491\|gbsnh9-y6vm}} | {{t\|12.8%\|gbsnh9-t1ud}} |
| **Net income (loss) attributable to: — Shareholders** | {{t\|474\|gbsnh9-cmsc}} | {{t\|1,977\|gbsnh9-c7yq}} | {{t\|2,866\|gbsnh9-4b4s}} | {{t\|1,104\|gbsnh9-fw5y}} | {{t\|6,421\|gbsnh9-5mv6}} | {{t\|2,032\|gbsnh9-7sdp}} | {{t\|2,337\|gbsnh9-hhpq}} | {{t\|2,021\|gbsnh9-s4rt}} | {{t\|2,151\|gbsnh9-0dfq}} | {{t\|8,541\|gbsnh9-6al2}} | {{t\|33.0%\|gbsnh9-g8yk}} |
| **Net income (loss) attributable to: — Income (loss) before income taxes** | {{t\|1,050\|gbsnh9-heq9}} | {{t\|2,824\|gbsnh9-490k}} | {{t\|4,059\|gbsnh9-wrgv}} | {{t\|1,732\|gbsnh9-8g5d}} | {{t\|9,664\|gbsnh9-5iir}} | {{t\|2,915\|gbsnh9-8csf}} | {{t\|3,021\|gbsnh9-grto}} | {{t\|2,803\|gbsnh9-axmj}} | {{t\|2,843\|gbsnh9-lx6x}} | {{t\|11,582\|gbsnh9-b70f}} | {{t\|19.8%\|gbsnh9-5sih}} |
| Net income (loss) attributable to: — Adjustment for non-operating market movements | {{t\|-95\|gbsnh9-as98}} | {{t\|110\|gbsnh9-54j9}} | {{t\|76\|gbsnh9-0677}} | {{t\|662\|gbsnh9-lsi9}} | {{t\|753\|gbsnh9-k770}} | {{t\|177\|gbsnh9-m6fj}} | {{t\|202\|gbsnh9-ldu9}} | {{t\|33\|gbsnh9-e8z0}} | {{t\|367\|gbsnh9-ylcx}} | {{t\|780\|gbsnh9-e2yu}} | {{t\|3.5%\|gbsnh9-mi48}} |
| Net income (loss) attributable to: — Adjustment for amortization of intangible assets from business combinations | {{t\|30\|gbsnh9-4x7o}} | {{t\|22\|gbsnh9-usn8}} | {{t\|26\|gbsnh9-g829}} | {{t\|31\|gbsnh9-98ey}} | {{t\|110\|gbsnh9-l32g}} | {{t\|27\|gbsnh9-fshd}} | {{t\|26\|gbsnh9-4ruu}} | {{t\|25\|gbsnh9-uahe}} | {{t\|26\|gbsnh9-c8z0}} | {{t\|105\|gbsnh9-ol0b}} | {{t\|-4.4%\|gbsnh9-s86i}} |
| **Net income (loss) attributable to: — Core income (loss) before income taxes** | {{t\|985\|gbsnh9-j94i}} | {{t\|2,956\|gbsnh9-wwak}} | {{t\|4,161\|gbsnh9-t07v}} | {{t\|2,425\|gbsnh9-21ag}} | {{t\|10,528\|gbsnh9-sd0q}} | {{t\|3,119\|gbsnh9-xqyf}} | {{t\|3,250\|gbsnh9-ag41}} | {{t\|2,862\|gbsnh9-b9vk}} | {{t\|3,236\|gbsnh9-zl6j}} | {{t\|12,466\|gbsnh9-4onf}} | {{t\|18.4%\|gbsnh9-eaet}} |
| Net income (loss) attributable to: — Income taxes related to core income | {{t\|-459\|gbsnh9-17rx}} | {{t\|-782\|gbsnh9-u72x}} | {{t\|-1,100\|gbsnh9-c32b}} | {{t\|-671\|gbsnh9-dvqq}} | {{t\|-3,013\|gbsnh9-tb8g}} | {{t\|-806\|gbsnh9-jva8}} | {{t\|-580\|gbsnh9-s4je}} | {{t\|-675\|gbsnh9-xd9q}} | {{t\|-657\|gbsnh9-mer5}} | {{t\|-2,717\|gbsnh9-ijei}} | {{t\|-9.8%\|gbsnh9-zgjh}} |
| **Net income (loss) attributable to: — Core net income (loss)** | {{t\|526\|gbsnh9-r9wm}} | {{t\|2,174\|gbsnh9-bxts}} | {{t\|3,061\|gbsnh9-oeko}} | {{t\|1,754\|gbsnh9-cc4i}} | {{t\|7,515\|gbsnh9-f7hz}} | {{t\|2,313\|gbsnh9-lfmh}} | {{t\|2,670\|gbsnh9-bn4k}} | {{t\|2,186\|gbsnh9-1zho}} | {{t\|2,579\|gbsnh9-5n4v}} | {{t\|9,749\|gbsnh9-r3rz}} | {{t\|29.7%\|gbsnh9-soe6}} |
| **Net income (loss) attributable to: — thereof: Shareholders' core net income (loss)** | {{t\|417\|gbsnh9-s77m}} | {{t\|2,048\|gbsnh9-di4o}} | {{t\|2,912\|gbsnh9-ygda}} | {{t\|1,606\|gbsnh9-adx2}} | {{t\|6,984\|gbsnh9-ezhd}} | {{t\|2,173\|gbsnh9-ukhy}} | {{t\|2,517\|gbsnh9-5ygk}} | {{t\|2,060\|gbsnh9-58uj}} | {{t\|2,351\|gbsnh9-1fh1}} | {{t\|9,101\|gbsnh9-y7sb}} | {{t\|30.3%\|gbsnh9-t5wm}} |
| Net income (loss) attributable to: — Core return on equity(14) (in %) | {{t\|12.7\|gbsnh9-fsnt}} | {{t\|12.7\|gbsnh9-sjab}} | {{t\|12.7\|gbsnh9-12w3}} | {{t\|12.7\|gbsnh9-mkab}} | {{t\|12.7\|gbsnh9-tau1}} | {{t\|16.0\|gbsnh9-he5w}} | {{t\|16.0\|gbsnh9-gjav}} | {{t\|16.0\|gbsnh9-bga5}} | {{t\|16.0\|gbsnh9-rftc}} | {{t\|16.0\|gbsnh9-qs60}} | 3.3%-p |
| Net income (loss) attributable to: — Average shareholders equity(15) used for core RoE calculation | n.m. | n.m. | n.m | n.m. | {{t\|54,014\|gbsnh9-0oaz}} | n.m. | n.m. | n.m. | n.m. | {{t\|55,965\|gbsnh9-8clk}} | {{t\|3.6%\|gbsnh9-ltz4}} |
(12) Total business volume comprises gross premiums written and fee and commission income in Property-Casualty, statutory gross premiums in Life/Health, and operating revenues in Asset Management.
(13) Including hyperinflation result and tax reclassifications from the Life/Health segment.
(14) For prior year and current year periods the core return on equity for the respective full year is shown.
(15) Shareholders‘ equity excluding undated subordinated bonds classified as shareholders’ equity, unrealized gains and losses from insurance contracts and other unrealized gains and losses." |
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| id | "gbsnh9-c7" |
|---|
| chunk | 7 |
|---|
| pages | |
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| heading | "Allianz Group - EPS" |
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| tags | |
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| links | |
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| data_items | |
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| effective_tags | |
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| content | "**Earnings per share build-up by component.**
| In EUR million | 1Q 22 | 2Q 22 | 3Q 22 | 4Q 22 | 2022 | 1Q 23 | 2Q 23 | 3Q 23 | 4Q 23 | 2023 | ∆ 2023 / 2022 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Number of shares issued - end of period | {{t\|408,457,873\|gbsnh9-vaow}} | {{t\|408,457,873\|gbsnh9-klgh}} | {{t\|408,457,873\|gbsnh9-xsrs}} | {{t\|403,313,996\|gbsnh9-bfxv}} | {{t\|403,313,996\|gbsnh9-yxgu}} | {{t\|403,313,996\|gbsnh9-rq3z}} | {{t\|403,313,996\|gbsnh9-bjzm}} | {{t\|403,313,996\|gbsnh9-e0v6}} | {{t\|391,718,983\|gbsnh9-pe2s}} | {{t\|391,718,983\|gbsnh9-5le9}} | {{t\|-2.9%\|gbsnh9-gz2e}} |
| Number of shares outstanding - end of period | {{t\|407,113,675\|gbsnh9-pj59}} | {{t\|404,103,481\|gbsnh9-trqs}} | {{t\|402,770,221\|gbsnh9-hed0}} | {{t\|401,589,162\|gbsnh9-k763}} | {{t\|401,589,162\|gbsnh9-pd17}} | {{t\|398,376,657\|gbsnh9-958c}} | {{t\|396,604,383\|gbsnh9-5ax0}} | {{t\|393,407,097\|gbsnh9-mb25}} | {{t\|391,458,589\|gbsnh9-adjb}} | {{t\|391,458,589\|gbsnh9-u3xw}} | {{t\|-2.5%\|gbsnh9-kml3}} |
| Weighted average number of shares outstanding - basic | {{t\|408,068,074\|gbsnh9-y5rg}} | {{t\|405,941,124\|gbsnh9-kcnr}} | {{t\|402,901,266\|gbsnh9-5q93}} | {{t\|402,325,247\|gbsnh9-w1vu}} | {{t\|404,793,132\|gbsnh9-w9gx}} | {{t\|399,985,391\|gbsnh9-tpff}} | {{t\|397,987,832\|gbsnh9-x4vc}} | {{t\|395,043,792\|gbsnh9-s09q}} | {{t\|391,845,447\|gbsnh9-ysy1}} | {{t\|396,190,104\|gbsnh9-sxww}} | {{t\|-2.1%\|gbsnh9-mk2j}} |
| Potentially dilutive shares | {{t\|384,072\|gbsnh9-pj5d}} | {{t\|1,431,836\|gbsnh9-ccic}} | {{t\|1,620,694\|gbsnh9-m84t}} | {{t\|0\|gbsnh9-tqsk}} | {{t\|1,467,572\|gbsnh9-z8d0}} | {{t\|133,708\|gbsnh9-pnsd}} | {{t\|435,863\|gbsnh9-lnue}} | {{t\|110,503\|gbsnh9-at3o}} | {{t\|147,372\|gbsnh9-ao99}} | {{t\|125,880\|gbsnh9-4nqw}} | {{t\|-91.4%\|gbsnh9-0ayc}} |
| Weighted average number of shares outstanding - diluted | {{t\|408,452,147\|gbsnh9-25er}} | {{t\|407,372,961\|gbsnh9-0ym5}} | {{t\|404,521,959\|gbsnh9-k05b}} | {{t\|402,325,247\|gbsnh9-agts}} | {{t\|406,260,704\|gbsnh9-hbsl}} | {{t\|400,119,099\|gbsnh9-shvz}} | {{t\|398,423,694\|gbsnh9-3gc7}} | {{t\|395,154,296\|gbsnh9-z1eo}} | {{t\|391,992,819\|gbsnh9-ndic}} | {{t\|396,315,983\|gbsnh9-94rz}} | {{t\|-2.4%\|gbsnh9-8qtj}} |
| Net income attributable to shareholders - basic (16) | {{t\|474\|gbsnh9-xg0a}} | {{t\|1,858\|gbsnh9-wp97}} | {{t\|2,866\|gbsnh9-wugt}} | {{t\|1,104\|gbsnh9-q6a7}} | {{t\|6,302\|gbsnh9-60mq}} | {{t\|2,032\|gbsnh9-vcyp}} | {{t\|2,195\|gbsnh9-n0so}} | {{t\|2,021\|gbsnh9-h08p}} | {{t\|2,151\|gbsnh9-jz9e}} | {{t\|8,399\|gbsnh9-odon}} | {{t\|33.3%\|gbsnh9-jbx9}} |
| Effect of dilution | {{t\|-5\|gbsnh9-bcvt}} | {{t\|-19\|gbsnh9-76wm}} | {{t\|-29\|gbsnh9-okpw}} | {{t\|0\|gbsnh9-8qt7}} | {{t\|-13\|gbsnh9-pkmb}} | {{t\|-2\|gbsnh9-ic9e}} | {{t\|-5\|gbsnh9-2hyp}} | {{t\|-6\|gbsnh9-742q}} | {{t\|-6\|gbsnh9-f0u8}} | {{t\|-6\|gbsnh9-i9kd}} | {{t\|-51.7%\|gbsnh9-aec5}} |
| Net income attributable to shareholders - diluted | {{t\|469\|gbsnh9-j6bw}} | {{t\|1,839\|gbsnh9-jqqx}} | {{t\|2,836\|gbsnh9-cpey}} | {{t\|1,104\|gbsnh9-wd89}} | {{t\|6,289\|gbsnh9-62ck}} | {{t\|2,030\|gbsnh9-mgpf}} | {{t\|2,190\|gbsnh9-yg8o}} | {{t\|2,015\|gbsnh9-xlmk}} | {{t\|2,145\|gbsnh9-rwz3}} | {{t\|8,393\|gbsnh9-prow}} | {{t\|33.5%\|gbsnh9-cldm}} |
| **EPS basic (EUR)** | {{t\|1.16\|gbsnh9-cds2}} | {{t\|4.58\|gbsnh9-wwn8}} | {{t\|7.11\|gbsnh9-5u6t}} | {{t\|2.74\|gbsnh9-v9tp}} | {{t\|15.57\|gbsnh9-qsy8}} | {{t\|5.08\|gbsnh9-772n}} | {{t\|5.52\|gbsnh9-6u9d}} | {{t\|5.12\|gbsnh9-5ztn}} | {{t\|5.49\|gbsnh9-kl9u}} | {{t\|21.20\|gbsnh9-dpyp}} | {{t\|36.2%\|gbsnh9-fbo0}} |
| **EPS diluted (EUR)** | {{t\|1.15\|gbsnh9-6knt}} | {{t\|4.51\|gbsnh9-fudw}} | {{t\|7.01\|gbsnh9-u2h9}} | {{t\|2.74\|gbsnh9-ijti}} | {{t\|15.48\|gbsnh9-wtha}} | {{t\|5.07\|gbsnh9-153q}} | {{t\|5.50\|gbsnh9-04xl}} | {{t\|5.10\|gbsnh9-o419}} | {{t\|5.47\|gbsnh9-x3h8}} | {{t\|21.18\|gbsnh9-xmgp}} | {{t\|36.8%\|gbsnh9-1fda}} |
| Shareholders' core net income - basic (16) | {{t\|417\|gbsnh9-p7yd}} | {{t\|1,929\|gbsnh9-sie4}} | {{t\|2,912\|gbsnh9-r20m}} | {{t\|1,606\|gbsnh9-x7ne}} | {{t\|6,865\|gbsnh9-pt4v}} | {{t\|2,173\|gbsnh9-tpnv}} | {{t\|2,375\|gbsnh9-ajq3}} | {{t\|2,060\|gbsnh9-6a69}} | {{t\|2,351\|gbsnh9-k5om}} | {{t\|8,959\|gbsnh9-xa74}} | {{t\|30.5%\|gbsnh9-dyse}} |
| Effect of dilution | {{t\|-5\|gbsnh9-723w}} | {{t\|-19\|gbsnh9-zwnv}} | {{t\|-29\|gbsnh9-w41b}} | {{t\|0\|gbsnh9-thq3}} | {{t\|-13\|gbsnh9-7z7h}} | {{t\|-2\|gbsnh9-gtvh}} | {{t\|-5\|gbsnh9-r43u}} | {{t\|-6\|gbsnh9-edgj}} | {{t\|-6\|gbsnh9-ce7c}} | {{t\|-6\|gbsnh9-tqhe}} | {{t\|-51.7%\|gbsnh9-ne4h}} |
| Shareholders' core net income - diluted | {{t\|412\|gbsnh9-tqs6}} | {{t\|1,910\|gbsnh9-fv8e}} | {{t\|2,883\|gbsnh9-a9g9}} | {{t\|1,606\|gbsnh9-yfp7}} | {{t\|6,852\|gbsnh9-7gon}} | {{t\|2,171\|gbsnh9-zk28}} | {{t\|2,371\|gbsnh9-mff2}} | {{t\|2,054\|gbsnh9-g67k}} | {{t\|2,345\|gbsnh9-pjjl}} | {{t\|8,953\|gbsnh9-i6yi}} | {{t\|30.7%\|gbsnh9-puou}} |
| **Core EPS basic (EUR)** | {{t\|1.02\|gbsnh9-xma4}} | {{t\|4.75\|gbsnh9-834d}} | {{t\|7.23\|gbsnh9-bmkq}} | {{t\|3.99\|gbsnh9-3apc}} | {{t\|16.96\|gbsnh9-gqx8}} | {{t\|5.43\|gbsnh9-5esm}} | {{t\|5.97\|gbsnh9-1rsb}} | {{t\|5.22\|gbsnh9-neye}} | {{t\|6.00\|gbsnh9-eld1}} | {{t\|22.61\|gbsnh9-dhcx}} | {{t\|33.3%\|gbsnh9-jeb4}} |
| **Core EPS diluted (EUR)** | {{t\|1.01\|gbsnh9-35fk}} | {{t\|4.69\|gbsnh9-l4lg}} | {{t\|7.13\|gbsnh9-z6cn}} | {{t\|3.99\|gbsnh9-j19r}} | {{t\|16.87\|gbsnh9-idu7}} | {{t\|5.43\|gbsnh9-2wjf}} | {{t\|5.95\|gbsnh9-rdxq}} | {{t\|5.20\|gbsnh9-jb2o}} | {{t\|5.98\|gbsnh9-pbnx}} | {{t\|22.59\|gbsnh9-pizx}} | {{t\|33.9%\|gbsnh9-lfre}} |
(16) Adjusted for net financial charges related to undated subordinated bonds classified as shareholders’ equity." |
|---|
|
| id | "gbsnh9-c8" |
|---|
| chunk | 8 |
|---|
| pages | |
|---|
| heading | "Property-Casualty" |
|---|
| tags | |
|---|
| links | | "Insurance service result" |
| "Insurance revenue" |
| "Net investment income" |
| "Underlying earnings" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Insurance revenue" |
| "Insurance service result" |
| "Net investment income" |
| "Underlying earnings" |
|
|---|
| content | "**Property & casualty operating profit build-up.**
| In EUR million | 1Q 22 | 2Q 22 | 3Q 22 | 4Q 22 | 2022 | 1Q 23 | 2Q 23 | 3Q 23 | 4Q 23 | 2023 | ∆ 2023 / 2022 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Total business volume (17) | {{t\|21,687\|gbsnh9-12cl}} | {{t\|16,323\|gbsnh9-w4xa}} | {{t\|16,203\|gbsnh9-csf9}} | {{t\|16,399\|gbsnh9-fjgn}} | {{t\|70,613\|gbsnh9-7mlf}} | {{t\|24,108\|gbsnh9-ytf2}} | {{t\|17,621\|gbsnh9-ht0r}} | {{t\|17,200\|gbsnh9-esgs}} | {{t\|17,603\|gbsnh9-j0dq}} | {{t\|76,531\|gbsnh9-1lc4}} | {{t\|8.4%\|gbsnh9-jrjl}} |
| Operating {{t\|insurance service result\|\|Insurance service result}} — {{t\|Insurance revenue\|\|Insurance revenue}} | {{t\|15,150\|gbsnh9-o5l9}} | {{t\|15,599\|gbsnh9-r83x}} | {{t\|16,712\|gbsnh9-2gzi}} | {{t\|16,501\|gbsnh9-a6kp}} | {{t\|63,963\|gbsnh9-l4vc}} | {{t\|16,428\|gbsnh9-6fb9}} | {{t\|16,910\|gbsnh9-bc2r}} | {{t\|17,488\|gbsnh9-64q7}} | {{t\|17,931\|gbsnh9-y2uq}} | {{t\|68,757\|gbsnh9-cyjc}} | {{t\|7.5%\|gbsnh9-52vb}} |
| Operating {{t\|insurance service result\|\|Insurance service result}} — Claims and benefits | {{t\|-9,938\|gbsnh9-tafn}} | {{t\|-10,370\|gbsnh9-0g0v}} | {{t\|-10,548\|gbsnh9-e2vj}} | {{t\|-11,153\|gbsnh9-equi}} | {{t\|-42,009\|gbsnh9-8kx2}} | {{t\|-10,252\|gbsnh9-ow29}} | {{t\|-10,863\|gbsnh9-hzba}} | {{t\|-11,752\|gbsnh9-26eu}} | {{t\|-12,155\|gbsnh9-rw5n}} | {{t\|-45,021\|gbsnh9-rgek}} | {{t\|7.2%\|gbsnh9-umot}} |
| Operating {{t\|insurance service result\|\|Insurance service result}} — Acquisition and administrative expenses | {{t\|-3,841\|gbsnh9-gtdg}} | {{t\|-3,852\|gbsnh9-950e}} | {{t\|-4,081\|gbsnh9-35on}} | {{t\|-4,161\|gbsnh9-hcu9}} | {{t\|-15,934\|gbsnh9-6t2d}} | {{t\|-4,088\|gbsnh9-ci6v}} | {{t\|-4,188\|gbsnh9-guif}} | {{t\|-4,397\|gbsnh9-hmlp}} | {{t\|-4,220\|gbsnh9-gqjh}} | {{t\|-16,893\|gbsnh9-mce0}} | {{t\|6.0%\|gbsnh9-siid}} |
| Operating {{t\|insurance service result\|\|Insurance service result}} — Reinsurance result | {{t\|-428\|gbsnh9-n4h7}} | {{t\|-216\|gbsnh9-978a}} | {{t\|-830\|gbsnh9-p11v}} | {{t\|-251\|gbsnh9-w13b}} | {{t\|-1,725\|gbsnh9-u2jt}} | {{t\|-753\|gbsnh9-h8ei}} | {{t\|-542\|gbsnh9-iqzv}} | {{t\|-671\|gbsnh9-x9cg}} | {{t\|-643\|gbsnh9-lp62}} | {{t\|-2,608\|gbsnh9-zlw4}} | {{t\|51.2%\|gbsnh9-tokx}} |
| Operating {{t\|insurance service result\|\|Insurance service result}} — Other {{t\|insurance service result\|\|Insurance service result}} | {{t\|-3\|gbsnh9-vwfe}} | {{t\|-6\|gbsnh9-h0or}} | {{t\|1\|gbsnh9-0mau}} | {{t\|12\|gbsnh9-h3t9}} | {{t\|4\|gbsnh9-agv4}} | {{t\|2\|gbsnh9-zbsb}} | {{t\|1\|gbsnh9-tj31}} | {{t\|-8\|gbsnh9-t1ap}} | {{t\|12\|gbsnh9-14w7}} | {{t\|7\|gbsnh9-jitf}} | {{t\|87.8%\|gbsnh9-vnas}} |
| **Operating {{t\|insurance service result\|\|Insurance service result}} — Subtotal** | {{t\|939\|gbsnh9-86pf}} | {{t\|1,156\|gbsnh9-zkjd}} | {{t\|1,255\|gbsnh9-unlt}} | {{t\|948\|gbsnh9-hogo}} | {{t\|4,298\|gbsnh9-a140}} | {{t\|1,336\|gbsnh9-qkcl}} | {{t\|1,320\|gbsnh9-czws}} | {{t\|660\|gbsnh9-hn86}} | {{t\|926\|gbsnh9-9j1n}} | {{t\|4,242\|gbsnh9-xvfu}} | {{t\|-1.3%\|gbsnh9-ns3o}} |
| Operating {{t\|investment result\|\|Net investment income}} — Interest and similar income (18) | {{t\|806\|gbsnh9-5laa}} | {{t\|907\|gbsnh9-g1a7}} | {{t\|898\|gbsnh9-dg2a}} | {{t\|965\|gbsnh9-t7z1}} | {{t\|3,576\|gbsnh9-tlrv}} | {{t\|945\|gbsnh9-2h4n}} | {{t\|1,067\|gbsnh9-o821}} | {{t\|1,063\|gbsnh9-8pz6}} | {{t\|1,085\|gbsnh9-zg7s}} | {{t\|4,160\|gbsnh9-6aya}} | {{t\|16.3%\|gbsnh9-x6jl}} |
| Operating {{t\|investment result\|\|Net investment income}} — Interest accretion | {{t\|-104\|gbsnh9-wxgd}} | {{t\|-123\|gbsnh9-h4ui}} | {{t\|-100\|gbsnh9-mckd}} | {{t\|-81\|gbsnh9-wd4i}} | {{t\|-407\|gbsnh9-hyyj}} | {{t\|-218\|gbsnh9-yzud}} | {{t\|-183\|gbsnh9-h6e5}} | {{t\|-139\|gbsnh9-p73e}} | {{t\|-124\|gbsnh9-n0kf}} | {{t\|-664\|gbsnh9-27jq}} | {{t\|63.1%\|gbsnh9-h002}} |
| Operating {{t\|investment result\|\|Net investment income}} — Valuation result & other (19) | {{t\|-138\|gbsnh9-s1q1}} | {{t\|-157\|gbsnh9-egy4}} | {{t\|-125\|gbsnh9-cwwl}} | {{t\|-317\|gbsnh9-7blq}} | {{t\|-737\|gbsnh9-2e2m}} | {{t\|-196\|gbsnh9-15ag}} | {{t\|-176\|gbsnh9-rlu3}} | {{t\|-122\|gbsnh9-hgnu}} | {{t\|-254\|gbsnh9-s48h}} | {{t\|-748\|gbsnh9-uoh0}} | {{t\|1.5%\|gbsnh9-3tsz}} |
| Operating {{t\|investment result\|\|Net investment income}} — thereof: Investment expenses | {{t\|-103\|gbsnh9-zwms}} | {{t\|-120\|gbsnh9-t6uq}} | {{t\|-116\|gbsnh9-1se2}} | {{t\|-134\|gbsnh9-gm7d}} | {{t\|-474\|gbsnh9-ytm0}} | {{t\|-120\|gbsnh9-4koi}} | {{t\|-112\|gbsnh9-rfqm}} | {{t\|-112\|gbsnh9-jdm9}} | {{t\|-146\|gbsnh9-eghe}} | {{t\|-490\|gbsnh9-5ghb}} | {{t\|3.4%\|gbsnh9-7125}} |
| **Operating {{t\|investment result\|\|Net investment income}} — Subtotal** | {{t\|565\|gbsnh9-kmz3}} | {{t\|627\|gbsnh9-2979}} | {{t\|673\|gbsnh9-rz83}} | {{t\|567\|gbsnh9-iamj}} | {{t\|2,432\|gbsnh9-y2zn}} | {{t\|532\|gbsnh9-osn4}} | {{t\|708\|gbsnh9-bczo}} | {{t\|802\|gbsnh9-i9p6}} | {{t\|706\|gbsnh9-dy5s}} | {{t\|2,748\|gbsnh9-zvai}} | {{t\|13.0%\|gbsnh9-f7ck}} |
| Operating {{t\|investment result\|\|Net investment income}} — Operating fee and commission result | {{t\|20\|gbsnh9-idtg}} | {{t\|14\|gbsnh9-44uc}} | {{t\|6\|gbsnh9-mjwy}} | {{t\|-2\|gbsnh9-a45c}} | {{t\|38\|gbsnh9-7p3n}} | {{t\|6\|gbsnh9-x0cn}} | {{t\|-30\|gbsnh9-c7vj}} | {{t\|-13\|gbsnh9-pupj}} | {{t\|24\|gbsnh9-r6dg}} | {{t\|-13\|gbsnh9-0n53}} | n.m. |
| Operating {{t\|investment result\|\|Net investment income}} — Operating other result | {{t\|2\|gbsnh9-j328}} | {{t\|-7\|gbsnh9-8lgz}} | {{t\|-6\|gbsnh9-jbzb}} | {{t\|70\|gbsnh9-gvpf}} | {{t\|59\|gbsnh9-hdgv}} | {{t\|-2\|gbsnh9-64ep}} | {{t\|-15\|gbsnh9-o1g4}} | {{t\|-2\|gbsnh9-5sk4}} | {{t\|-48\|gbsnh9-iqvf}} | {{t\|-68\|gbsnh9-y7q7}} | n.m. |
| Operating {{t\|investment result\|\|Net investment income}} — {{t\|Operating profit\|\|Underlying earnings}} | {{t\|1,526\|gbsnh9-lali}} | {{t\|1,790\|gbsnh9-6sh8}} | {{t\|1,928\|gbsnh9-gwm8}} | {{t\|1,583\|gbsnh9-59hs}} | {{t\|6,827\|gbsnh9-t5sg}} | {{t\|1,872\|gbsnh9-zsz1}} | {{t\|1,983\|gbsnh9-p3ky}} | {{t\|1,446\|gbsnh9-qe0e}} | {{t\|1,608\|gbsnh9-yrxy}} | {{t\|6,909\|gbsnh9-m1ne}} | {{t\|1.2%\|gbsnh9-jf1r}} |
| Non-operating items — Realized gains/losses (net) | {{t\|49\|gbsnh9-9bdo}} | {{t\|-30\|gbsnh9-kc4x}} | {{t\|15\|gbsnh9-cnsd}} | {{t\|37\|gbsnh9-m7vs}} | {{t\|71\|gbsnh9-0dk4}} | {{t\|-11\|gbsnh9-7qjf}} | {{t\|-9\|gbsnh9-0cg4}} | {{t\|-119\|gbsnh9-8n2x}} | {{t\|10\|gbsnh9-1wqk}} | {{t\|-129\|gbsnh9-3uif}} | n.m. |
| Non-operating items — Expected credit loss and impairments (net) | {{t\|-104\|gbsnh9-emjr}} | {{t\|17\|gbsnh9-u1qy}} | {{t\|-34\|gbsnh9-8oy0}} | {{t\|-335\|gbsnh9-b7ks}} | {{t\|-455\|gbsnh9-kpvb}} | {{t\|5\|gbsnh9-622t}} | {{t\|-66\|gbsnh9-qdry}} | {{t\|-15\|gbsnh9-0a25}} | {{t\|-38\|gbsnh9-gzqk}} | {{t\|-114\|gbsnh9-m656}} | {{t\|-75.0%\|gbsnh9-18iv}} |
| Non-operating items — Result from assets and liabilities measured at fair value incl. derivatives | {{t\|-167\|gbsnh9-6afs}} | {{t\|-114\|gbsnh9-rywh}} | {{t\|-13\|gbsnh9-vvj9}} | {{t\|-377\|gbsnh9-dyh7}} | {{t\|-671\|gbsnh9-pn7m}} | {{t\|-92\|gbsnh9-9k8k}} | {{t\|-62\|gbsnh9-3k5h}} | {{t\|-32\|gbsnh9-jm9m}} | {{t\|-136\|gbsnh9-dkoe}} | {{t\|-322\|gbsnh9-bix9}} | {{t\|-52.1%\|gbsnh9-vz2e}} |
| Non-operating items — thereof: Non-operating market movements | {{t\|-156\|gbsnh9-pucx}} | {{t\|-81\|gbsnh9-zcq8}} | {{t\|19\|gbsnh9-km6k}} | {{t\|-378\|gbsnh9-pbkq}} | {{t\|-596\|gbsnh9-brna}} | {{t\|-54\|gbsnh9-7u9b}} | {{t\|-51\|gbsnh9-m4lo}} | {{t\|-22\|gbsnh9-67qp}} | {{t\|-119\|gbsnh9-c6in}} | {{t\|-246\|gbsnh9-30vu}} | {{t\|-58.7%\|gbsnh9-d8kz}} |
| Non-operating items — Restructuring and integration expenses | {{t\|-201\|gbsnh9-synf}} | {{t\|-96\|gbsnh9-qr6u}} | {{t\|-70\|gbsnh9-slda}} | {{t\|-157\|gbsnh9-bkzq}} | {{t\|-525\|gbsnh9-se6d}} | {{t\|-35\|gbsnh9-gi9y}} | {{t\|-53\|gbsnh9-cn84}} | {{t\|-88\|gbsnh9-grzz}} | {{t\|-91\|gbsnh9-1yr5}} | {{t\|-267\|gbsnh9-hvmq}} | {{t\|-49.1%\|gbsnh9-1kti}} |
| Non-operating items — Amortization of intangible assets | {{t\|-50\|gbsnh9-y6q4}} | {{t\|-48\|gbsnh9-tqyc}} | {{t\|-47\|gbsnh9-nuje}} | {{t\|-54\|gbsnh9-bzbx}} | {{t\|-199\|gbsnh9-r7gc}} | {{t\|-48\|gbsnh9-cgy3}} | {{t\|-49\|gbsnh9-d57f}} | {{t\|-47\|gbsnh9-t2c1}} | {{t\|-51\|gbsnh9-udfi}} | {{t\|-196\|gbsnh9-9khe}} | {{t\|-1.8%\|gbsnh9-ug9n}} |
| Non-operating items — thereof: Amortization of intangible assets from business combinations | {{t\|-24\|gbsnh9-cej9}} | {{t\|-18\|gbsnh9-x5k4}} | {{t\|-21\|gbsnh9-vsin}} | {{t\|-25\|gbsnh9-v4sx}} | {{t\|-87\|gbsnh9-nv9k}} | {{t\|-21\|gbsnh9-zayn}} | {{t\|-20\|gbsnh9-4vhd}} | {{t\|-20\|gbsnh9-h4wh}} | {{t\|-20\|gbsnh9-l3y8}} | {{t\|-80\|gbsnh9-evxq}} | {{t\|-7.3%\|gbsnh9-dpld}} |
| Non-operating items — Other (20) | {{t\|-6\|gbsnh9-ffmo}} | {{t\|-157\|gbsnh9-oko5}} | {{t\|-63\|gbsnh9-7rt2}} | {{t\|-10\|gbsnh9-z9zj}} | {{t\|-236\|gbsnh9-rzn7}} | {{t\|-59\|gbsnh9-b2rp}} | {{t\|-12\|gbsnh9-oslo}} | {{t\|-80\|gbsnh9-njt3}} | {{t\|5\|gbsnh9-5vz3}} | {{t\|-146\|gbsnh9-xl3b}} | {{t\|-38.1%\|gbsnh9-adcf}} |
| **Non-operating items — Subtotal** | {{t\|-479\|gbsnh9-wy34}} | {{t\|-429\|gbsnh9-q3qz}} | {{t\|-212\|gbsnh9-h6wd}} | {{t\|-896\|gbsnh9-xchd}} | {{t\|-2,016\|gbsnh9-cq3x}} | {{t\|-241\|gbsnh9-fwfr}} | {{t\|-251\|gbsnh9-78hl}} | {{t\|-380\|gbsnh9-m79d}} | {{t\|-301\|gbsnh9-brzc}} | {{t\|-1,173\|gbsnh9-x3qi}} | {{t\|-41.8%\|gbsnh9-s94b}} |
| **Non-operating items — Income (loss) before income taxes** | {{t\|1,047\|gbsnh9-7rh2}} | {{t\|1,361\|gbsnh9-71yp}} | {{t\|1,716\|gbsnh9-jsi5}} | {{t\|687\|gbsnh9-m0oy}} | {{t\|4,811\|gbsnh9-jdjq}} | {{t\|1,631\|gbsnh9-5guf}} | {{t\|1,731\|gbsnh9-g0et}} | {{t\|1,067\|gbsnh9-2xvn}} | {{t\|1,306\|gbsnh9-km82}} | {{t\|5,736\|gbsnh9-xvbp}} | {{t\|19.2%\|gbsnh9-dppg}} |
| Non-operating items — Income taxes | {{t\|-220\|gbsnh9-0bav}} | {{t\|-413\|gbsnh9-w2cz}} | {{t\|-471\|gbsnh9-sq1w}} | {{t\|-350\|gbsnh9-fqw2}} | {{t\|-1,454\|gbsnh9-c976}} | {{t\|-444\|gbsnh9-i8we}} | {{t\|-415\|gbsnh9-7ssz}} | {{t\|-294\|gbsnh9-lw2v}} | {{t\|-308\|gbsnh9-dwso}} | {{t\|-1,462\|gbsnh9-syzy}} | {{t\|0.5%\|gbsnh9-7wkj}} |
| **Non-operating items — Net income (loss)** | {{t\|827\|gbsnh9-pe6n}} | {{t\|948\|gbsnh9-slfx}} | {{t\|1,245\|gbsnh9-48hb}} | {{t\|337\|gbsnh9-h67b}} | {{t\|3,357\|gbsnh9-o4g5}} | {{t\|1,187\|gbsnh9-2dyz}} | {{t\|1,316\|gbsnh9-f7wj}} | {{t\|773\|gbsnh9-0vtd}} | {{t\|998\|gbsnh9-zp4j}} | {{t\|4,274\|gbsnh9-untj}} | {{t\|27.3%\|gbsnh9-5d9b}} |
| Net income (loss) attributable to: — Non-controlling interests | {{t\|19\|gbsnh9-kvuc}} | {{t\|35\|gbsnh9-ch33}} | {{t\|23\|gbsnh9-rfqf}} | {{t\|29\|gbsnh9-gusf}} | {{t\|105\|gbsnh9-8u80}} | {{t\|33\|gbsnh9-emnw}} | {{t\|38\|gbsnh9-l4tk}} | {{t\|19\|gbsnh9-ff0d}} | {{t\|29\|gbsnh9-2vf7}} | {{t\|120\|gbsnh9-e7np}} | {{t\|13.4%\|gbsnh9-9d50}} |
| **Net income (loss) attributable to: — Shareholders** | {{t\|808\|gbsnh9-joh4}} | {{t\|913\|gbsnh9-4188}} | {{t\|1,222\|gbsnh9-cv9x}} | {{t\|307\|gbsnh9-5cug}} | {{t\|3,251\|gbsnh9-63j7}} | {{t\|1,154\|gbsnh9-fu1e}} | {{t\|1,278\|gbsnh9-pgh5}} | {{t\|753\|gbsnh9-udv9}} | {{t\|969\|gbsnh9-2j64}} | {{t\|4,154\|gbsnh9-4fnc}} | {{t\|27.8%\|gbsnh9-ehvf}} |
| **Net income (loss) attributable to: — Income (loss) before income taxes** | {{t\|1,047\|gbsnh9-cuqo}} | {{t\|1,361\|gbsnh9-djj4}} | {{t\|1,716\|gbsnh9-fmpl}} | {{t\|687\|gbsnh9-2ljf}} | {{t\|4,811\|gbsnh9-i8jr}} | {{t\|1,631\|gbsnh9-7shl}} | {{t\|1,731\|gbsnh9-9hdl}} | {{t\|1,067\|gbsnh9-qhxm}} | {{t\|1,306\|gbsnh9-d3np}} | {{t\|5,736\|gbsnh9-mnjc}} | {{t\|19.2%\|gbsnh9-934g}} |
| Net income (loss) attributable to: — Adjustment for non-operating market movements | {{t\|156\|gbsnh9-24yj}} | {{t\|81\|gbsnh9-mubv}} | {{t\|-19\|gbsnh9-xdfi}} | {{t\|378\|gbsnh9-syye}} | {{t\|596\|gbsnh9-dcv2}} | {{t\|54\|gbsnh9-c6gk}} | {{t\|51\|gbsnh9-54je}} | {{t\|22\|gbsnh9-fbi0}} | {{t\|119\|gbsnh9-ufid}} | {{t\|246\|gbsnh9-xv45}} | {{t\|-58.7%\|gbsnh9-e6c5}} |
| Net income (loss) attributable to: — Adjustment for amortization of intangible assets from business combinations | {{t\|24\|gbsnh9-o1dy}} | {{t\|18\|gbsnh9-6d2m}} | {{t\|21\|gbsnh9-ennq}} | {{t\|25\|gbsnh9-h1df}} | {{t\|87\|gbsnh9-dt71}} | {{t\|21\|gbsnh9-50gd}} | {{t\|20\|gbsnh9-0hoh}} | {{t\|20\|gbsnh9-nhak}} | {{t\|20\|gbsnh9-sxpb}} | {{t\|80\|gbsnh9-1756}} | {{t\|-7.3%\|gbsnh9-cnny}} |
| **Net income (loss) attributable to: — Core income (loss) before income taxes** | {{t\|1,226\|gbsnh9-w374}} | {{t\|1,460\|gbsnh9-qmw1}} | {{t\|1,717\|gbsnh9-8rsh}} | {{t\|1,090\|gbsnh9-3zdc}} | {{t\|5,493\|gbsnh9-sooi}} | {{t\|1,706\|gbsnh9-dmvg}} | {{t\|1,803\|gbsnh9-nie0}} | {{t\|1,108\|gbsnh9-vcgo}} | {{t\|1,445\|gbsnh9-8jje}} | {{t\|6,062\|gbsnh9-s576}} | {{t\|10.3%\|gbsnh9-rtbv}} |
| Net income (loss) attributable to: — Income taxes related to core income | {{t\|-278\|gbsnh9-nt0v}} | {{t\|-488\|gbsnh9-aqjf}} | {{t\|-456\|gbsnh9-2kae}} | {{t\|-391\|gbsnh9-gyzl}} | {{t\|-1,613\|gbsnh9-7xkc}} | {{t\|-459\|gbsnh9-kyut}} | {{t\|-422\|gbsnh9-paqb}} | {{t\|-284\|gbsnh9-7zca}} | {{t\|-348\|gbsnh9-evsq}} | {{t\|-1,513\|gbsnh9-6dlc}} | {{t\|-6.2%\|gbsnh9-wp54}} |
| **Net income (loss) attributable to: — Core net income (loss)** | {{t\|948\|gbsnh9-etsl}} | {{t\|973\|gbsnh9-7k4n}} | {{t\|1,262\|gbsnh9-7t7d}} | {{t\|698\|gbsnh9-53t0}} | {{t\|3,881\|gbsnh9-mka3}} | {{t\|1,247\|gbsnh9-2a1o}} | {{t\|1,381\|gbsnh9-afbn}} | {{t\|824\|gbsnh9-2fzd}} | {{t\|1,097\|gbsnh9-x5zw}} | {{t\|4,549\|gbsnh9-bj4u}} | {{t\|17.2%\|gbsnh9-6nrb}} |
| **Net income (loss) attributable to: — thereof: Shareholders' core net income (loss)** | {{t\|926\|gbsnh9-fjsk}} | {{t\|926\|gbsnh9-56w6}} | {{t\|1,233\|gbsnh9-zs14}} | {{t\|664\|gbsnh9-cky7}} | {{t\|3,750\|gbsnh9-yki9}} | {{t\|1,214\|gbsnh9-6x2u}} | {{t\|1,342\|gbsnh9-iia1}} | {{t\|801\|gbsnh9-shdu}} | {{t\|1,064\|gbsnh9-uyfz}} | {{t\|4,421\|gbsnh9-7gp3}} | {{t\|17.9%\|gbsnh9-fe1j}} |
| Net income (loss) attributable to: — Loss ratio(22) (in %) | {{t\|68.4\|gbsnh9-ey0b}} | {{t\|67.9\|gbsnh9-der8}} | {{t\|68.1\|gbsnh9-lyl6}} | {{t\|69.1\|gbsnh9-m8l8}} | {{t\|68.4\|gbsnh9-181p}} | {{t\|67.0\|gbsnh9-uq9u}} | {{t\|67.4\|gbsnh9-ec4v}} | {{t\|71.0\|gbsnh9-h05f}} | {{t\|71.4\|gbsnh9-7ltc}} | {{t\|69.3\|gbsnh9-09i1}} | 0.9%-p |
| Net income (loss) attributable to: — Attritional loss ratio (in %) | {{t\|68.6\|gbsnh9-qaz5}} | {{t\|69.2\|gbsnh9-da0f}} | {{t\|70.4\|gbsnh9-xzdw}} | {{t\|70.9\|gbsnh9-cyxy}} | {{t\|69.8\|gbsnh9-xlhj}} | {{t\|68.3\|gbsnh9-ymyk}} | {{t\|68.8\|gbsnh9-l9q6}} | {{t\|68.0\|gbsnh9-vyj1}} | {{t\|71.3\|gbsnh9-u5ny}} | {{t\|69.1\|gbsnh9-eqcf}} | -0.7%-p |
| Net income (loss) attributable to: — thereof: discounting impact(23) (in %) | {{t\|-0.9\|gbsnh9-vphr}} | {{t\|-1.5\|gbsnh9-fogf}} | {{t\|-2.1\|gbsnh9-vxml}} | {{t\|-2.3\|gbsnh9-bvsq}} | {{t\|-1.7\|gbsnh9-ezsi}} | {{t\|-3.5\|gbsnh9-25nj}} | {{t\|-2.7\|gbsnh9-i2br}} | {{t\|-2.9\|gbsnh9-nnld}} | {{t\|-2.5\|gbsnh9-dszf}} | {{t\|-2.9\|gbsnh9-86m8}} | -1.2%-p |
| Net income (loss) attributable to: — NatCat impact (in %) | {{t\|4.8\|gbsnh9-dpqr}} | {{t\|3.0\|gbsnh9-edcq}} | {{t\|2.0\|gbsnh9-n1fm}} | {{t\|1.6\|gbsnh9-gwxf}} | {{t\|2.8\|gbsnh9-zxfd}} | {{t\|0.7\|gbsnh9-pia0}} | {{t\|0.9\|gbsnh9-dqyf}} | {{t\|7.3\|gbsnh9-87c4}} | {{t\|4.2\|gbsnh9-ao49}} | {{t\|3.4\|gbsnh9-grh9}} | 0.6%-p |
| Net income (loss) attributable to: — Run-off ratio (in %) | {{t\|-5.0\|gbsnh9-yf5t}} | {{t\|-4.3\|gbsnh9-8gcx}} | {{t\|-4.3\|gbsnh9-5m7b}} | {{t\|-3.4\|gbsnh9-a0wa}} | {{t\|-4.2\|gbsnh9-l21d}} | {{t\|-2.0\|gbsnh9-68rw}} | {{t\|-2.3\|gbsnh9-qnsw}} | {{t\|-4.3\|gbsnh9-k4ak}} | {{t\|-4.2\|gbsnh9-yc52}} | {{t\|-3.2\|gbsnh9-zowa}} | 1.0%-p |
| **Net income (loss) attributable to: — Expense ratio (in %)** | {{t\|25.4\|gbsnh9-cbpz}} | {{t\|24.7\|gbsnh9-nhj4}} | {{t\|24.4\|gbsnh9-qx95}} | {{t\|25.2\|gbsnh9-c96o}} | {{t\|24.9\|gbsnh9-t3dz}} | {{t\|24.9\|gbsnh9-ccif}} | {{t\|24.8\|gbsnh9-ayk8}} | {{t\|25.1\|gbsnh9-qsgi}} | {{t\|23.5\|gbsnh9-omf0}} | {{t\|24.6\|gbsnh9-vddn}} | -0.3%-p |
| **Net income (loss) attributable to: — Combined ratio (in %)** | {{t\|93.8\|gbsnh9-ajg3}} | {{t\|92.6\|gbsnh9-8cpf}} | {{t\|92.5\|gbsnh9-xwr2}} | {{t\|94.3\|gbsnh9-6tkq}} | {{t\|93.3\|gbsnh9-hdjs}} | {{t\|91.9\|gbsnh9-2lym}} | {{t\|92.2\|gbsnh9-80zi}} | {{t\|96.2\|gbsnh9-224x}} | {{t\|94.9\|gbsnh9-qhbi}} | {{t\|93.8\|gbsnh9-4eo1}} | 0.6%-p |
| Net income (loss) attributable to: — Core return on equity(24) (in %) | {{t\|10.8\|gbsnh9-ww3w}} | {{t\|10.8\|gbsnh9-fate}} | {{t\|10.8\|gbsnh9-51zu}} | {{t\|10.8\|gbsnh9-gzae}} | {{t\|10.8\|gbsnh9-ua71}} | {{t\|12.6\|gbsnh9-ncfu}} | {{t\|12.6\|gbsnh9-9tsc}} | {{t\|12.6\|gbsnh9-hjlu}} | {{t\|12.6\|gbsnh9-xbev}} | {{t\|12.6\|gbsnh9-rmh7}} | 1.8%-p |
| Net income (loss) attributable to: — Risk adjustment (net of reinsurance) (21) | {{t\|1,690\|gbsnh9-vu4y}} | {{t\|1,629\|gbsnh9-766n}} | {{t\|1,590\|gbsnh9-rz5x}} | {{t\|1,547\|gbsnh9-55ht}} | {{t\|1,547\|gbsnh9-sxn0}} | {{t\|1,528\|gbsnh9-t1rg}} | {{t\|1,538\|gbsnh9-4n8k}} | {{t\|1,460\|gbsnh9-3e3o}} | {{t\|1,469\|gbsnh9-lrof}} | {{t\|1,469\|gbsnh9-0446}} | {{t\|-5.0%\|gbsnh9-rqt8}} |
(17) Total business volume comprises gross premiums written and fee and commission income.
(18) Net of interest expenses.
(19) Other comprises realized gains/losses, investment expenses, F/X gains/losses on insurance assets/liabilities and other.
(20) Including hyperinflation result.
(22) Reinsurance ratio: 3.6% in 4Q 23 (4Q 22: 1.5%), 3.8% in 12M 23 (12M 22: 2.7%).
(23) From 2023 onwards including discounting impact from risk adjustment.
(24) For prior year and current year periods the core return on equity for the respective full year is shown. From 9M 23, the core return on equity calculation for segments was amended due to the alignment of the calculation methodology across business segments and with the Allianz Group. Comparative periods have been adjusted.
(21) Refers to liability of incurred claims (LIC), not directly related to the loss ratio." |
|---|
|
| id | "gbsnh9-c9" |
|---|
| chunk | 9 |
|---|
| pages | |
|---|
| heading | "P&C by Region YTD" |
|---|
| tags | |
|---|
| links | | "Insurance revenue" |
| "Underlying earnings" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Insurance revenue" |
| "Underlying earnings" |
|
|---|
| content | "**Property & casualty key figures by region, YTD. (Internal growth (26))**
| In EUR million | Total business volume (25) 12M 22 EUR mn | Total business volume (25) 12M 23 EUR mn | Total business volume (25) 12M 23 % | {{t\|Insurance revenue\|\|Insurance revenue}} 12M 22 EUR mn | {{t\|Insurance revenue\|\|Insurance revenue}} 12M 23 EUR mn | {{t\|Operating profit\|\|Underlying earnings}} (loss) 12M 22 EUR mn | {{t\|Operating profit\|\|Underlying earnings}} (loss) 12M 23 EUR mn | Combined ratio 12M 22 % | Combined ratio 12M 23 % | Loss ratio 12M 22 % | Loss ratio 12M 23 % | Expense ratio 12M 22 % | Expense ratio 12M 23 % |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Germany | {{t\|11,644\|gbsnh9-kxi0}} | {{t\|12,400\|gbsnh9-4w0r}} | {{t\|6.6\|gbsnh9-spz1}} | {{t\|11,097\|gbsnh9-cbhe}} | {{t\|11,650\|gbsnh9-msz6}} | {{t\|1,634\|gbsnh9-j7gk}} | {{t\|1,167\|gbsnh9-qfhk}} | {{t\|89.8\|gbsnh9-1xcl}} | {{t\|93.9\|gbsnh9-iv3y}} | {{t\|64.9\|gbsnh9-hxeb}} | {{t\|69.2\|gbsnh9-5isb}} | {{t\|24.9\|gbsnh9-7yq7}} | {{t\|24.7\|gbsnh9-q8jh}} |
| Switzerland | {{t\|2,014\|gbsnh9-jws7}} | {{t\|2,101\|gbsnh9-z8ek}} | {{t\|0.6\|gbsnh9-b9l3}} | {{t\|2,017\|gbsnh9-8oy7}} | {{t\|2,076\|gbsnh9-qbn9}} | {{t\|281\|gbsnh9-y5mu}} | {{t\|275\|gbsnh9-56le}} | {{t\|90.0\|gbsnh9-34u0}} | {{t\|89.8\|gbsnh9-ev5d}} | {{t\|67.4\|gbsnh9-ls0u}} | {{t\|66.8\|gbsnh9-2byb}} | {{t\|22.6\|gbsnh9-g9dj}} | {{t\|23.0\|gbsnh9-0niu}} |
| Central & Eastern Europe | {{t\|3,961\|gbsnh9-podi}} | {{t\|4,337\|gbsnh9-85x3}} | {{t\|9.5\|gbsnh9-ef5y}} | {{t\|3,837\|gbsnh9-n1ks}} | {{t\|4,142\|gbsnh9-ttyu}} | {{t\|507\|gbsnh9-2zis}} | {{t\|572\|gbsnh9-mwwi}} | {{t\|89.3\|gbsnh9-o5tw}} | {{t\|88.8\|gbsnh9-6cj4}} | {{t\|62.2\|gbsnh9-nwnm}} | {{t\|62.3\|gbsnh9-9k5t}} | {{t\|27.2\|gbsnh9-e5xg}} | {{t\|26.5\|gbsnh9-wim4}} |
| **German Speaking Countries and Central & Eastern Europe** | {{t\|17,619\|gbsnh9-6v9v}} | {{t\|18,837\|gbsnh9-g792}} | {{t\|6.5\|gbsnh9-7mdw}} | {{t\|16,951\|gbsnh9-cxx3}} | {{t\|17,868\|gbsnh9-3197}} | {{t\|2,422\|gbsnh9-m18g}} | {{t\|2,013\|gbsnh9-tt7t}} | {{t\|89.7\|gbsnh9-bak7}} | {{t\|92.2\|gbsnh9-sp1n}} | {{t\|64.6\|gbsnh9-f7br}} | {{t\|67.3\|gbsnh9-frwl}} | {{t\|25.1\|gbsnh9-sb4z}} | {{t\|24.9\|gbsnh9-uw63}} |
| Italy | {{t\|4,348\|gbsnh9-p8o0}} | {{t\|4,658\|gbsnh9-afx0}} | {{t\|7.1\|gbsnh9-xxbx}} | {{t\|4,197\|gbsnh9-g4ah}} | {{t\|4,428\|gbsnh9-we8m}} | {{t\|629\|gbsnh9-cevj}} | {{t\|521\|gbsnh9-eezd}} | {{t\|88.5\|gbsnh9-tpxf}} | {{t\|91.7\|gbsnh9-jme2}} | {{t\|61.8\|gbsnh9-rdra}} | {{t\|64.9\|gbsnh9-y39l}} | {{t\|26.7\|gbsnh9-ob3x}} | {{t\|26.8\|gbsnh9-iogt}} |
| France | {{t\|4,561\|gbsnh9-wc3l}} | {{t\|4,723\|gbsnh9-mjpu}} | {{t\|3.6\|gbsnh9-dmxe}} | {{t\|4,521\|gbsnh9-r21d}} | {{t\|4,656\|gbsnh9-fqp9}} | {{t\|431\|gbsnh9-7lhk}} | {{t\|528\|gbsnh9-8jz3}} | {{t\|96.9\|gbsnh9-1ylh}} | {{t\|93.8\|gbsnh9-134p}} | {{t\|73.4\|gbsnh9-pscy}} | {{t\|70.0\|gbsnh9-ylj8}} | {{t\|23.5\|gbsnh9-2lik}} | {{t\|23.8\|gbsnh9-jarr}} |
| Benelux | {{t\|1,339\|gbsnh9-evph}} | {{t\|1,406\|gbsnh9-79fg}} | {{t\|5.0\|gbsnh9-ln6s}} | {{t\|1,344\|gbsnh9-2wb8}} | {{t\|1,403\|gbsnh9-gg28}} | {{t\|148\|gbsnh9-kyx1}} | {{t\|181\|gbsnh9-3lf8}} | {{t\|99.2\|gbsnh9-db5n}} | {{t\|92.5\|gbsnh9-jidw}} | {{t\|71.6\|gbsnh9-4w0z}} | {{t\|65.9\|gbsnh9-l5yf}} | {{t\|27.5\|gbsnh9-2ycv}} | {{t\|26.6\|gbsnh9-s7a7}} |
| Türkiye | {{t\|1,107\|gbsnh9-q9lr}} | {{t\|1,419\|gbsnh9-hlvf}} | {{t\|109.1\|gbsnh9-anir}} | {{t\|724\|gbsnh9-unvz}} | {{t\|1,046\|gbsnh9-mmw2}} | {{t\|64\|gbsnh9-q106}} | {{t\|202\|gbsnh9-cfrd}} | {{t\|109.4\|gbsnh9-erea}} | {{t\|107.0\|gbsnh9-kn4d}} | {{t\|89.5\|gbsnh9-ukbn}} | {{t\|87.7\|gbsnh9-qg4q}} | {{t\|19.9\|gbsnh9-9glu}} | {{t\|19.3\|gbsnh9-8rld}} |
| Greece | {{t\|186\|gbsnh9-40vh}} | {{t\|283\|gbsnh9-foqd}} | {{t\|18.0\|gbsnh9-qfta}} | {{t\|168\|gbsnh9-ipfa}} | {{t\|255\|gbsnh9-7rab}} | {{t\|24\|gbsnh9-si04}} | {{t\|26\|gbsnh9-xjgf}} | {{t\|86.5\|gbsnh9-qx4h}} | {{t\|93.2\|gbsnh9-dhva}} | {{t\|52.6\|gbsnh9-v2jt}} | {{t\|60.1\|gbsnh9-8y6k}} | {{t\|34.0\|gbsnh9-49uu}} | {{t\|33.2\|gbsnh9-z6m7}} |
| Allianz Partners | {{t\|8,206\|gbsnh9-p2b5}} | {{t\|9,272\|gbsnh9-5zzt}} | {{t\|12.7\|gbsnh9-1zak}} | {{t\|5,717\|gbsnh9-w6az}} | {{t\|6,417\|gbsnh9-8ij2}} | {{t\|285\|gbsnh9-8l0k}} | {{t\|301\|gbsnh9-1mip}} | {{t\|96.7\|gbsnh9-i3fi}} | {{t\|96.2\|gbsnh9-ysx6}} | {{t\|65.7\|gbsnh9-pvax}} | {{t\|66.5\|gbsnh9-8b8f}} | {{t\|31.0\|gbsnh9-tmnt}} | {{t\|29.7\|gbsnh9-1k8a}} |
| Allianz Direct | {{t\|1,009\|gbsnh9-hdii}} | {{t\|1,087\|gbsnh9-6srm}} | {{t\|-0.6\|gbsnh9-ebjz}} | {{t\|1,003\|gbsnh9-tey8}} | {{t\|995\|gbsnh9-q3a3}} | {{t\|-2\|gbsnh9-y0e3}} | {{t\|33\|gbsnh9-olrn}} | {{t\|102.3\|gbsnh9-oogp}} | {{t\|99.3\|gbsnh9-bphy}} | {{t\|86.9\|gbsnh9-u3u4}} | {{t\|85.1\|gbsnh9-ouob}} | {{t\|15.4\|gbsnh9-kyyi}} | {{t\|14.2\|gbsnh9-is1h}} |
| **Western & Southern Europe, Allianz Direct and Allianz Partners** | {{t\|20,756\|gbsnh9-vt11}} | {{t\|22,847\|gbsnh9-7wvg}} | {{t\|13.6\|gbsnh9-z7lo}} | {{t\|17,674\|gbsnh9-v973}} | {{t\|19,199\|gbsnh9-cmze}} | {{t\|1,578\|gbsnh9-51a8}} | {{t\|1,792\|gbsnh9-1pk8}} | {{t\|95.7\|gbsnh9-9z68}} | {{t\|95.0\|gbsnh9-uuc6}} | {{t\|69.2\|gbsnh9-4gbm}} | {{t\|69.0\|gbsnh9-zpfe}} | {{t\|26.5\|gbsnh9-zok6}} | {{t\|26.1\|gbsnh9-jpb3}} |
| Asia Pacific | {{t\|1,705\|gbsnh9-9mrr}} | {{t\|1,809\|gbsnh9-wsz1}} | {{t\|8.6\|gbsnh9-ke6t}} | {{t\|1,655\|gbsnh9-4w1v}} | {{t\|1,767\|gbsnh9-my93}} | {{t\|129\|gbsnh9-3on9}} | {{t\|162\|gbsnh9-mp1w}} | {{t\|98.5\|gbsnh9-63fr}} | {{t\|97.1\|gbsnh9-0hee}} | {{t\|68.1\|gbsnh9-ofz7}} | {{t\|65.8\|gbsnh9-qrak}} | {{t\|30.4\|gbsnh9-isj5}} | {{t\|31.3\|gbsnh9-i16r}} |
| Australia | {{t\|4,345\|gbsnh9-xs0g}} | {{t\|4,523\|gbsnh9-h7hd}} | {{t\|12.1\|gbsnh9-fsxg}} | {{t\|4,022\|gbsnh9-frhb}} | {{t\|4,137\|gbsnh9-1zwj}} | {{t\|416\|gbsnh9-06i9}} | {{t\|213\|gbsnh9-p750}} | {{t\|91.6\|gbsnh9-93r8}} | {{t\|97.5\|gbsnh9-j01d}} | {{t\|69.7\|gbsnh9-y215}} | {{t\|74.9\|gbsnh9-6dog}} | {{t\|21.9\|gbsnh9-enp1}} | {{t\|22.6\|gbsnh9-azpc}} |
| **Asia-Pacific and Australia** | {{t\|6,050\|gbsnh9-uy9d}} | {{t\|6,332\|gbsnh9-4cz5}} | {{t\|11.1\|gbsnh9-ut41}} | {{t\|5,677\|gbsnh9-h5jq}} | {{t\|5,904\|gbsnh9-8lpz}} | {{t\|545\|gbsnh9-diqn}} | {{t\|376\|gbsnh9-kmgc}} | {{t\|93.6\|gbsnh9-2gkf}} | {{t\|97.3\|gbsnh9-xq44}} | {{t\|69.2\|gbsnh9-qnw7}} | {{t\|72.2\|gbsnh9-yfd4}} | {{t\|24.4\|gbsnh9-gpci}} | {{t\|25.2\|gbsnh9-sgmu}} |
| AGCS | {{t\|11,332\|gbsnh9-vzj6}} | {{t\|12,245\|gbsnh9-yt48}} | {{t\|7.1\|gbsnh9-2lab}} | {{t\|10,461\|gbsnh9-19l1}} | {{t\|11,091\|gbsnh9-vdee}} | {{t\|790\|gbsnh9-vq9u}} | {{t\|953\|gbsnh9-raq5}} | {{t\|95.6\|gbsnh9-ppx3}} | {{t\|94.5\|gbsnh9-v04f}} | {{t\|74.6\|gbsnh9-m1hb}} | {{t\|73.8\|gbsnh9-arak}} | {{t\|21.0\|gbsnh9-7waw}} | {{t\|20.7\|gbsnh9-8h9c}} |
| thereof: AGCS excluding fronting & captives | {{t\|7,822\|gbsnh9-2kvw}} | {{t\|8,732\|gbsnh9-2rx8}} | {{t\|9.6\|gbsnh9-xoc9}} | {{t\|6,917\|gbsnh9-uj0n}} | {{t\|7,386\|gbsnh9-tod0}} | {{t\|790\|gbsnh9-anjn}} | {{t\|953\|gbsnh9-7c5y}} | {{t\|93.3\|gbsnh9-ma4d}} | {{t\|91.7\|gbsnh9-tumg}} | {{t\|69.4\|gbsnh9-ez1d}} | {{t\|68.4\|gbsnh9-6qqf}} | {{t\|24.0\|gbsnh9-wwoz}} | {{t\|23.4\|gbsnh9-kjjp}} |
| Reinsurance P/C | {{t\|3,549\|gbsnh9-dq7m}} | {{t\|4,474\|gbsnh9-zyiz}} | {{t\|28.4\|gbsnh9-sh1h}} | {{t\|2,434\|gbsnh9-o06h}} | {{t\|3,031\|gbsnh9-sdnw}} | {{t\|486\|gbsnh9-r39l}} | {{t\|194\|gbsnh9-0cp2}} | {{t\|82.6\|gbsnh9-g7rn}} | {{t\|95.9\|gbsnh9-nmw5}} | {{t\|78.4\|gbsnh9-z5gh}} | {{t\|92.1\|gbsnh9-afox}} | {{t\|4.2\|gbsnh9-wlpt}} | {{t\|3.8\|gbsnh9-7773}} |
| Allianz Trade | {{t\|3,573\|gbsnh9-wkiw}} | {{t\|3,884\|gbsnh9-87ff}} | {{t\|9.8\|gbsnh9-ohya}} | {{t\|2,612\|gbsnh9-wwb2}} | {{t\|3,191\|gbsnh9-6im8}} | {{t\|575\|gbsnh9-r8rt}} | {{t\|666\|gbsnh9-n2sc}} | {{t\|80.9\|gbsnh9-w01y}} | {{t\|82.4\|gbsnh9-zmx8}} | {{t\|50.0\|gbsnh9-48mr}} | {{t\|55.2\|gbsnh9-e24o}} | {{t\|30.9\|gbsnh9-gdj2}} | {{t\|27.3\|gbsnh9-pgxz}} |
| United Kingdom | {{t\|4,839\|gbsnh9-bu9k}} | {{t\|5,093\|gbsnh9-tg43}} | {{t\|7.4\|gbsnh9-r28w}} | {{t\|4,634\|gbsnh9-k0wm}} | {{t\|4,816\|gbsnh9-esof}} | {{t\|173\|gbsnh9-3f4r}} | {{t\|278\|gbsnh9-wsbe}} | {{t\|98.4\|gbsnh9-aacs}} | {{t\|97.0\|gbsnh9-vzjk}} | {{t\|74.5\|gbsnh9-m5wc}} | {{t\|75.2\|gbsnh9-g8jg}} | {{t\|23.9\|gbsnh9-rttf}} | {{t\|21.8\|gbsnh9-o5k6}} |
| Ireland | {{t\|616\|gbsnh9-daqz}} | {{t\|675\|gbsnh9-2fna}} | {{t\|9.6\|gbsnh9-fw0j}} | {{t\|619\|gbsnh9-djze}} | {{t\|649\|gbsnh9-svrz}} | {{t\|102\|gbsnh9-ok32}} | {{t\|106\|gbsnh9-b4ug}} | {{t\|86.0\|gbsnh9-o42f}} | {{t\|85.7\|gbsnh9-tvwl}} | {{t\|61.8\|gbsnh9-u080}} | {{t\|61.6\|gbsnh9-ozqj}} | {{t\|24.2\|gbsnh9-7tnh}} | {{t\|24.1\|gbsnh9-t9er}} |
| Spain | {{t\|2,599\|gbsnh9-0ffm}} | {{t\|2,798\|gbsnh9-z1up}} | {{t\|7.7\|gbsnh9-vgm9}} | {{t\|2,551\|gbsnh9-gvh7}} | {{t\|2,678\|gbsnh9-5sg8}} | {{t\|41\|gbsnh9-jn23}} | {{t\|174\|gbsnh9-d3f0}} | {{t\|99.8\|gbsnh9-s9g8}} | {{t\|95.3\|gbsnh9-9c5m}} | {{t\|77.4\|gbsnh9-wkrv}} | {{t\|73.1\|gbsnh9-upfh}} | {{t\|22.3\|gbsnh9-y4y3}} | {{t\|22.3\|gbsnh9-lfqy}} |
| Portugal | {{t\|495\|gbsnh9-fu7k}} | {{t\|543\|gbsnh9-3gxg}} | {{t\|9.7\|gbsnh9-2ew8}} | {{t\|486\|gbsnh9-a9jx}} | {{t\|529\|gbsnh9-60mr}} | {{t\|55\|gbsnh9-i530}} | {{t\|58\|gbsnh9-so8m}} | {{t\|89.8\|gbsnh9-tdb0}} | {{t\|90.1\|gbsnh9-eeqf}} | {{t\|67.7\|gbsnh9-iajg}} | {{t\|68.2\|gbsnh9-gxai}} | {{t\|22.1\|gbsnh9-xmtr}} | {{t\|21.9\|gbsnh9-iqyl}} |
| Latin America | {{t\|2,635\|gbsnh9-1n90}} | {{t\|2,776\|gbsnh9-iz5r}} | {{t\|25.4\|gbsnh9-b7ei}} | {{t\|2,408\|gbsnh9-mwo3}} | {{t\|2,665\|gbsnh9-528u}} | {{t\|1\|gbsnh9-gjxx}} | {{t\|249\|gbsnh9-f41w}} | {{t\|107.8\|gbsnh9-fyro}} | {{t\|99.4\|gbsnh9-es7u}} | {{t\|82.4\|gbsnh9-99z5}} | {{t\|75.4\|gbsnh9-fqrd}} | {{t\|25.4\|gbsnh9-14kb}} | {{t\|23.9\|gbsnh9-cmzj}} |
| Africa | {{t\|309\|gbsnh9-2prm}} | {{t\|248\|gbsnh9-ktdp}} | n.m. | {{t\|301\|gbsnh9-5th7}} | {{t\|211\|gbsnh9-g9l2}} | {{t\|31\|gbsnh9-mwey}} | {{t\|25\|gbsnh9-3xny}} | {{t\|98.5\|gbsnh9-tgqm}} | {{t\|97.2\|gbsnh9-eua6}} | {{t\|62.0\|gbsnh9-8lc3}} | {{t\|63.5\|gbsnh9-jmmw}} | {{t\|36.5\|gbsnh9-qmbd}} | {{t\|33.6\|gbsnh9-fhyw}} |
| Middle East | {{t\|263\|gbsnh9-qzw6}} | {{t\|292\|gbsnh9-mweg}} | {{t\|47.1\|gbsnh9-2pzs}} | {{t\|244\|gbsnh9-8n58}} | {{t\|235\|gbsnh9-eb6w}} | {{t\|26\|gbsnh9-lfbn}} | {{t\|24\|gbsnh9-hcv9}} | {{t\|94.6\|gbsnh9-gonf}} | {{t\|97.1\|gbsnh9-alhd}} | {{t\|75.2\|gbsnh9-93vz}} | {{t\|78.4\|gbsnh9-3hq9}} | {{t\|19.3\|gbsnh9-uxmm}} | {{t\|18.7\|gbsnh9-btu8}} |
| **Global Insurance Lines & Anglo Markets, Iberia & Latin America, Middle East and Africa** | {{t\|30,209\|gbsnh9-i57y}} | {{t\|33,028\|gbsnh9-lb7i}} | {{t\|12.1\|gbsnh9-yl09}} | {{t\|26,750\|gbsnh9-2h1g}} | {{t\|29,096\|gbsnh9-xu4t}} | {{t\|2,281\|gbsnh9-m381}} | {{t\|2,728\|gbsnh9-l2nw}} | {{t\|94.6\|gbsnh9-jjog}} | {{t\|94.0\|gbsnh9-gbev}} | {{t\|72.9\|gbsnh9-3822}} | {{t\|73.6\|gbsnh9-bah6}} | {{t\|21.7\|gbsnh9-2xpo}} | {{t\|20.5\|gbsnh9-0csk}} |
| Consolidation (27) | {{t\|-4,021\|gbsnh9-pw3l}} | {{t\|-4,512\|gbsnh9-p8d4}} | n.m. | {{t\|-3,089\|gbsnh9-0jp5}} | {{t\|-3,311\|gbsnh9-50df}} | {{t\|-0\|gbsnh9-c4bd}} | {{t\|0\|gbsnh9-22l1}} | n.m. | n.m. | n.m. | n.m. | n.m. | n.m. |
| **Total** | {{t\|70,613\|gbsnh9-53mj}} | {{t\|76,531\|gbsnh9-0v8r}} | {{t\|11.2\|gbsnh9-9u3v}} | {{t\|63,963\|gbsnh9-9u5j}} | {{t\|68,757\|gbsnh9-77gk}} | {{t\|6,827\|gbsnh9-6gl7}} | {{t\|6,909\|gbsnh9-k75b}} | {{t\|93.3\|gbsnh9-t0xm}} | {{t\|93.8\|gbsnh9-b6w2}} | {{t\|68.4\|gbsnh9-9xak}} | {{t\|69.3\|gbsnh9-ndum}} | {{t\|24.9\|gbsnh9-nezg}} | {{t\|24.6\|gbsnh9-7r4o}} |
(25) Total business volume comprises gross premiums written and fee and commission income.
(26) This reflects the growth of total business volume on an internal basis, adjusted for foreign currency translation and (de-)consolidation effects.
(27) Represents elimination of transactions between Allianz Group entities in different geographic regions." |
|---|
|
| id | "gbsnh9-c10" |
|---|
| chunk | 10 |
|---|
| pages | |
|---|
| heading | "P&C by Region QTD" |
|---|
| tags | |
|---|
| links | | "Insurance revenue" |
| "Underlying earnings" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Insurance revenue" |
| "Underlying earnings" |
|
|---|
| content | "**Property & casualty key figures by region, QTD. (Internal growth (29))**
| In EUR million | Total business volume (28) 4Q 22 EUR mn | Total business volume (28) 4Q 23 EUR mn | Total business volume (28) 4Q 23 % | {{t\|Insurance revenue\|\|Insurance revenue}} 4Q 22 EUR mn | {{t\|Insurance revenue\|\|Insurance revenue}} 4Q 23 EUR mn | {{t\|Operating profit\|\|Underlying earnings}} (loss) 4Q 22 EUR mn | {{t\|Operating profit\|\|Underlying earnings}} (loss) 4Q 23 EUR mn | Combined ratio 4Q 22 % | Combined ratio 4Q 23 % | Loss ratio 4Q 22 % | Loss ratio 4Q 23 % | Expense ratio 4Q 22 % | Expense ratio 4Q 23 % |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Germany | {{t\|2,179\|gbsnh9-ch46}} | {{t\|2,368\|gbsnh9-vbo3}} | {{t\|8.7\|gbsnh9-7na1}} | {{t\|2,795\|gbsnh9-3c85}} | {{t\|2,958\|gbsnh9-d35l}} | {{t\|421\|gbsnh9-0qbk}} | {{t\|328\|gbsnh9-umhv}} | {{t\|88.7\|gbsnh9-xv38}} | {{t\|93.0\|gbsnh9-27mo}} | {{t\|62.8\|gbsnh9-bol0}} | {{t\|67.7\|gbsnh9-rol2}} | {{t\|25.9\|gbsnh9-9uru}} | {{t\|25.3\|gbsnh9-3fti}} |
| Switzerland | {{t\|228\|gbsnh9-vko7}} | {{t\|254\|gbsnh9-7p7l}} | {{t\|8.4\|gbsnh9-37fx}} | {{t\|517\|gbsnh9-uf2z}} | {{t\|526\|gbsnh9-592s}} | {{t\|76\|gbsnh9-tfy1}} | {{t\|45\|gbsnh9-800t}} | {{t\|87.0\|gbsnh9-9se5}} | {{t\|92.9\|gbsnh9-4zq7}} | {{t\|64.6\|gbsnh9-813e}} | {{t\|70.1\|gbsnh9-0gc1}} | {{t\|22.4\|gbsnh9-i0s9}} | {{t\|22.9\|gbsnh9-afi8}} |
| Central & Eastern Europe | {{t\|917\|gbsnh9-lk1g}} | {{t\|1,027\|gbsnh9-mxp2}} | {{t\|12.2\|gbsnh9-bkg3}} | {{t\|996\|gbsnh9-uigk}} | {{t\|1,063\|gbsnh9-l2no}} | {{t\|135\|gbsnh9-4ux2}} | {{t\|179\|gbsnh9-ymcj}} | {{t\|89.8\|gbsnh9-cdkm}} | {{t\|83.5\|gbsnh9-yyzk}} | {{t\|60.4\|gbsnh9-oh0w}} | {{t\|61.1\|gbsnh9-e7ns}} | {{t\|29.4\|gbsnh9-orol}} | {{t\|22.3\|gbsnh9-l56c}} |
| **German Speaking Countries and Central & Eastern Europe** | {{t\|3,324\|gbsnh9-4wzn}} | {{t\|3,650\|gbsnh9-jgyu}} | {{t\|9.6\|gbsnh9-u6ug}} | {{t\|4,308\|gbsnh9-nyas}} | {{t\|4,547\|gbsnh9-xkfu}} | {{t\|633\|gbsnh9-83ry}} | {{t\|553\|gbsnh9-qi7k}} | {{t\|88.8\|gbsnh9-ffdc}} | {{t\|90.8\|gbsnh9-9b5o}} | {{t\|62.5\|gbsnh9-jigr}} | {{t\|66.4\|gbsnh9-c8le}} | {{t\|26.3\|gbsnh9-27lf}} | {{t\|24.3\|gbsnh9-9rxx}} |
| Italy | {{t\|1,367\|gbsnh9-np8q}} | {{t\|1,465\|gbsnh9-8zoo}} | {{t\|7.1\|gbsnh9-qkcu}} | {{t\|1,065\|gbsnh9-pn13}} | {{t\|1,150\|gbsnh9-jwer}} | {{t\|160\|gbsnh9-s50v}} | {{t\|153\|gbsnh9-giuh}} | {{t\|87.8\|gbsnh9-7e32}} | {{t\|90.5\|gbsnh9-nh2s}} | {{t\|61.0\|gbsnh9-wayl}} | {{t\|64.0\|gbsnh9-tblx}} | {{t\|26.8\|gbsnh9-0rrn}} | {{t\|26.6\|gbsnh9-mx6q}} |
| France | {{t\|1,006\|gbsnh9-keeb}} | {{t\|1,009\|gbsnh9-931s}} | {{t\|0.4\|gbsnh9-u005}} | {{t\|1,165\|gbsnh9-1tgj}} | {{t\|1,161\|gbsnh9-5l5g}} | {{t\|64\|gbsnh9-ka5o}} | {{t\|118\|gbsnh9-rr9x}} | {{t\|99.3\|gbsnh9-3oli}} | {{t\|95.7\|gbsnh9-w1ue}} | {{t\|74.9\|gbsnh9-csvg}} | {{t\|72.1\|gbsnh9-30jq}} | {{t\|24.4\|gbsnh9-ct2w}} | {{t\|23.7\|gbsnh9-tjsk}} |
| Benelux | {{t\|256\|gbsnh9-2c7f}} | {{t\|279\|gbsnh9-61db}} | {{t\|8.9\|gbsnh9-tm59}} | {{t\|335\|gbsnh9-48mg}} | {{t\|362\|gbsnh9-xie6}} | {{t\|1\|gbsnh9-sofl}} | {{t\|21\|gbsnh9-1042}} | {{t\|111.3\|gbsnh9-3yof}} | {{t\|99.9\|gbsnh9-txej}} | {{t\|83.2\|gbsnh9-q8sv}} | {{t\|73.5\|gbsnh9-99u2}} | {{t\|28.2\|gbsnh9-iimf}} | {{t\|26.3\|gbsnh9-6b9t}} |
| Türkiye | {{t\|377\|gbsnh9-hc9t}} | {{t\|357\|gbsnh9-t79x}} | {{t\|62.1\|gbsnh9-l9qm}} | {{t\|195\|gbsnh9-vnlo}} | {{t\|237\|gbsnh9-4b58}} | {{t\|7\|gbsnh9-lw6z}} | {{t\|46\|gbsnh9-su2y}} | {{t\|111.5\|gbsnh9-fiwp}} | {{t\|111.2\|gbsnh9-2pak}} | {{t\|92.1\|gbsnh9-q28f}} | {{t\|93.1\|gbsnh9-r3s9}} | {{t\|19.3\|gbsnh9-ic5k}} | {{t\|18.1\|gbsnh9-zwvc}} |
| Greece | {{t\|78\|gbsnh9-5g7v}} | {{t\|81\|gbsnh9-p99l}} | {{t\|4.0\|gbsnh9-yxqi}} | {{t\|61\|gbsnh9-lorr}} | {{t\|68\|gbsnh9-ys3g}} | {{t\|14\|gbsnh9-uwgv}} | {{t\|14\|gbsnh9-wf27}} | {{t\|77.4\|gbsnh9-9l3c}} | {{t\|82.6\|gbsnh9-cjjn}} | {{t\|44.7\|gbsnh9-ozjc}} | {{t\|52.3\|gbsnh9-a6js}} | {{t\|32.6\|gbsnh9-o5le}} | {{t\|30.3\|gbsnh9-mgm0}} |
| Allianz Partners | {{t\|1,922\|gbsnh9-8sav}} | {{t\|1,948\|gbsnh9-oax5}} | {{t\|4.5\|gbsnh9-cdbg}} | {{t\|1,499\|gbsnh9-jfhk}} | {{t\|1,555\|gbsnh9-1mqw}} | {{t\|63\|gbsnh9-9ltw}} | {{t\|52\|gbsnh9-ogze}} | {{t\|99.5\|gbsnh9-ijym}} | {{t\|98.5\|gbsnh9-k8qe}} | {{t\|68.3\|gbsnh9-3uj3}} | {{t\|66.9\|gbsnh9-6j41}} | {{t\|31.3\|gbsnh9-yuw3}} | {{t\|31.6\|gbsnh9-prjj}} |
| Allianz Direct | {{t\|256\|gbsnh9-sshu}} | {{t\|343\|gbsnh9-0he1}} | {{t\|34.0\|gbsnh9-60bt}} | {{t\|245\|gbsnh9-ytnk}} | {{t\|251\|gbsnh9-kiug}} | {{t\|-16\|gbsnh9-3bue}} | {{t\|18\|gbsnh9-utj4}} | {{t\|109.0\|gbsnh9-u9wt}} | {{t\|99.3\|gbsnh9-ph2o}} | {{t\|92.6\|gbsnh9-dmvn}} | {{t\|84.6\|gbsnh9-jk9d}} | {{t\|16.4\|gbsnh9-lwbb}} | {{t\|14.7\|gbsnh9-v9kg}} |
| **Western & Southern Europe, Allianz Direct and Allianz Partners** | {{t\|5,262\|gbsnh9-xtez}} | {{t\|5,481\|gbsnh9-2kp8}} | {{t\|10.2\|gbsnh9-6eu8}} | {{t\|4,565\|gbsnh9-20yr}} | {{t\|4,785\|gbsnh9-qarc}} | {{t\|294\|gbsnh9-uumv}} | {{t\|422\|gbsnh9-g3vs}} | {{t\|98.3\|gbsnh9-50ks}} | {{t\|96.5\|gbsnh9-g1d2}} | {{t\|71.4\|gbsnh9-mrcz}} | {{t\|70.0\|gbsnh9-yxlp}} | {{t\|26.9\|gbsnh9-8r7n}} | {{t\|26.5\|gbsnh9-6r9g}} |
| Asia Pacific | {{t\|441\|gbsnh9-3ee1}} | {{t\|438\|gbsnh9-fyge}} | {{t\|6.4\|gbsnh9-xd1v}} | {{t\|462\|gbsnh9-qn28}} | {{t\|479\|gbsnh9-55st}} | {{t\|26\|gbsnh9-3p9e}} | {{t\|44\|gbsnh9-8dvh}} | {{t\|100.8\|gbsnh9-qn9z}} | {{t\|98.0\|gbsnh9-xb12}} | {{t\|70.6\|gbsnh9-443c}} | {{t\|67.1\|gbsnh9-fhew}} | {{t\|30.1\|gbsnh9-83a9}} | {{t\|30.9\|gbsnh9-kgn1}} |
| Australia | {{t\|1,099\|gbsnh9-cyif}} | {{t\|1,136\|gbsnh9-2go7}} | {{t\|10.0\|gbsnh9-chvt}} | {{t\|1,022\|gbsnh9-cxqo}} | {{t\|1,059\|gbsnh9-l47q}} | {{t\|156\|gbsnh9-k1z0}} | {{t\|-15\|gbsnh9-hpya}} | {{t\|86.9\|gbsnh9-hums}} | {{t\|104.3\|gbsnh9-eum0}} | {{t\|64.8\|gbsnh9-pxxe}} | {{t\|81.9\|gbsnh9-x66g}} | {{t\|22.1\|gbsnh9-0jxk}} | {{t\|22.5\|gbsnh9-ykld}} |
| **Asia-Pacific and Australia** | {{t\|1,540\|gbsnh9-8yzq}} | {{t\|1,574\|gbsnh9-slxh}} | {{t\|8.9\|gbsnh9-z4v8}} | {{t\|1,485\|gbsnh9-bqkm}} | {{t\|1,538\|gbsnh9-ag4k}} | {{t\|182\|gbsnh9-cxkc}} | {{t\|29\|gbsnh9-s5z2}} | {{t\|91.2\|gbsnh9-tm82}} | {{t\|102.4\|gbsnh9-0ipq}} | {{t\|66.6\|gbsnh9-48ek}} | {{t\|77.3\|gbsnh9-dnk8}} | {{t\|24.6\|gbsnh9-shp3}} | {{t\|25.1\|gbsnh9-vn5f}} |
| AGCS | {{t\|2,620\|gbsnh9-qner}} | {{t\|2,806\|gbsnh9-nyiv}} | {{t\|9.1\|gbsnh9-sivh}} | {{t\|2,875\|gbsnh9-uj1d}} | {{t\|2,984\|gbsnh9-qrik}} | {{t\|234\|gbsnh9-2oa4}} | {{t\|185\|gbsnh9-hzim}} | {{t\|95.5\|gbsnh9-ainu}} | {{t\|96.4\|gbsnh9-iaz8}} | {{t\|73.1\|gbsnh9-2rji}} | {{t\|76.6\|gbsnh9-rdob}} | {{t\|22.4\|gbsnh9-x4ye}} | {{t\|19.8\|gbsnh9-xiqg}} |
| thereof: AGCS excluding fronting & captives | {{t\|1,982\|gbsnh9-ieel}} | {{t\|2,211\|gbsnh9-dx2n}} | {{t\|11.7\|gbsnh9-gu0i}} | {{t\|1,890\|gbsnh9-fc0n}} | {{t\|1,944\|gbsnh9-jyew}} | {{t\|234\|gbsnh9-9pmo}} | {{t\|185\|gbsnh9-m2y4}} | {{t\|93.1\|gbsnh9-qmyj}} | {{t\|94.5\|gbsnh9-ru1y}} | {{t\|69.4\|gbsnh9-0d96}} | {{t\|71.8\|gbsnh9-myzj}} | {{t\|23.7\|gbsnh9-9r56}} | {{t\|22.7\|gbsnh9-1bz6}} |
| Reinsurance P/C | {{t\|598\|gbsnh9-m98p}} | {{t\|825\|gbsnh9-fzkr}} | {{t\|40.7\|gbsnh9-fia7}} | {{t\|534\|gbsnh9-uh79}} | {{t\|874\|gbsnh9-mmod}} | {{t\|96\|gbsnh9-wdlg}} | {{t\|74\|gbsnh9-lnzv}} | {{t\|86.7\|gbsnh9-njss}} | {{t\|94.2\|gbsnh9-7ifn}} | {{t\|80.2\|gbsnh9-3cwy}} | {{t\|90.7\|gbsnh9-3a5j}} | {{t\|6.5\|gbsnh9-nl82}} | {{t\|3.5\|gbsnh9-hmqi}} |
| Allianz Trade | {{t\|836\|gbsnh9-jcvo}} | {{t\|902\|gbsnh9-94dx}} | {{t\|9.3\|gbsnh9-1poh}} | {{t\|673\|gbsnh9-63o1}} | {{t\|1,060\|gbsnh9-im9g}} | {{t\|113\|gbsnh9-kigf}} | {{t\|126\|gbsnh9-kwm7}} | {{t\|83.4\|gbsnh9-qhqm}} | {{t\|91.0\|gbsnh9-dufj}} | {{t\|50.6\|gbsnh9-mqic}} | {{t\|70.6\|gbsnh9-rw9h}} | {{t\|32.8\|gbsnh9-qpki}} | {{t\|20.4\|gbsnh9-npsr}} |
| United Kingdom | {{t\|1,161\|gbsnh9-2qnk}} | {{t\|1,242\|gbsnh9-um5q}} | {{t\|6.6\|gbsnh9-0bhx}} | {{t\|1,154\|gbsnh9-wkpp}} | {{t\|1,243\|gbsnh9-0hfr}} | {{t\|-17\|gbsnh9-nj2z}} | {{t\|60\|gbsnh9-gdy7}} | {{t\|103.5\|gbsnh9-l94r}} | {{t\|98.0\|gbsnh9-zjpl}} | {{t\|81.6\|gbsnh9-mzkg}} | {{t\|76.0\|gbsnh9-z2ma}} | {{t\|21.9\|gbsnh9-vkzo}} | {{t\|22.0\|gbsnh9-9vg1}} |
| Ireland | {{t\|141\|gbsnh9-9msc}} | {{t\|163\|gbsnh9-qrce}} | {{t\|15.3\|gbsnh9-hpeq}} | {{t\|153\|gbsnh9-s8u6}} | {{t\|175\|gbsnh9-tvzi}} | {{t\|35\|gbsnh9-2ryg}} | {{t\|27\|gbsnh9-6me7}} | {{t\|79.0\|gbsnh9-xcsr}} | {{t\|86.6\|gbsnh9-o0br}} | {{t\|54.3\|gbsnh9-n8gp}} | {{t\|63.8\|gbsnh9-5e6r}} | {{t\|24.7\|gbsnh9-l92q}} | {{t\|22.8\|gbsnh9-9pn4}} |
| Spain | {{t\|639\|gbsnh9-up8d}} | {{t\|707\|gbsnh9-qofq}} | {{t\|10.6\|gbsnh9-7iex}} | {{t\|643\|gbsnh9-moyx}} | {{t\|687\|gbsnh9-wt61}} | {{t\|-69\|gbsnh9-naxz}} | {{t\|40\|gbsnh9-socp}} | {{t\|111.5\|gbsnh9-9vx9}} | {{t\|96.5\|gbsnh9-qvgq}} | {{t\|89.5\|gbsnh9-aqst}} | {{t\|74.4\|gbsnh9-aoda}} | {{t\|22.0\|gbsnh9-a7rf}} | {{t\|22.1\|gbsnh9-n65e}} |
| Portugal | {{t\|103\|gbsnh9-43gi}} | {{t\|113\|gbsnh9-vrdd}} | {{t\|10.6\|gbsnh9-qgau}} | {{t\|125\|gbsnh9-m3d6}} | {{t\|137\|gbsnh9-owm5}} | {{t\|22\|gbsnh9-nfo8}} | {{t\|12\|gbsnh9-fk8t}} | {{t\|83.9\|gbsnh9-3j5k}} | {{t\|91.8\|gbsnh9-f2zc}} | {{t\|61.0\|gbsnh9-zzte}} | {{t\|70.2\|gbsnh9-w096}} | {{t\|22.8\|gbsnh9-i1pg}} | {{t\|21.5\|gbsnh9-ctu4}} |
| Latin America | {{t\|663\|gbsnh9-8yfv}} | {{t\|650\|gbsnh9-5snn}} | {{t\|-30.7\|gbsnh9-b4q4}} | {{t\|614\|gbsnh9-ieve}} | {{t\|631\|gbsnh9-kkja}} | {{t\|7\|gbsnh9-nc23}} | {{t\|41\|gbsnh9-dbt3}} | {{t\|106.9\|gbsnh9-gd6f}} | {{t\|101.3\|gbsnh9-06j8}} | {{t\|84.2\|gbsnh9-4ycl}} | {{t\|77.1\|gbsnh9-9bl5}} | {{t\|22.7\|gbsnh9-dsno}} | {{t\|24.2\|gbsnh9-nt07}} |
| Africa | {{t\|63\|gbsnh9-4z8c}} | n.m. | n.m. | {{t\|80\|gbsnh9-pigr}} | n.m. | {{t\|11\|gbsnh9-yhcm}} | n.m. | {{t\|92.4\|gbsnh9-6po3}} | n.m. | {{t\|57.8\|gbsnh9-47lm}} | n.m. | {{t\|34.6\|gbsnh9-ffga}} | n.m. |
| Middle East | {{t\|96\|gbsnh9-uy0v}} | {{t\|58\|gbsnh9-0cw5}} | {{t\|-20.7\|gbsnh9-78mf}} | {{t\|103\|gbsnh9-10kz}} | {{t\|51\|gbsnh9-qy3s}} | {{t\|10\|gbsnh9-tm0j}} | {{t\|1\|gbsnh9-tokb}} | {{t\|90.9\|gbsnh9-xygm}} | {{t\|103.6\|gbsnh9-fm4h}} | {{t\|72.3\|gbsnh9-su7b}} | {{t\|84.8\|gbsnh9-n5jz}} | {{t\|18.6\|gbsnh9-b4cp}} | {{t\|18.7\|gbsnh9-pfnb}} |
| **Global Insurance Lines & Anglo Markets, Iberia & Latin America, Middle East and Africa** | {{t\|6,921\|gbsnh9-bdmb}} | {{t\|7,467\|gbsnh9-8vyr}} | {{t\|7.6\|gbsnh9-2bhv}} | {{t\|6,954\|gbsnh9-uw64}} | {{t\|7,843\|gbsnh9-u0eq}} | {{t\|442\|gbsnh9-pxr2}} | {{t\|567\|gbsnh9-e87b}} | {{t\|96.8\|gbsnh9-cq30}} | {{t\|95.8\|gbsnh9-0mjw}} | {{t\|74.6\|gbsnh9-9oxy}} | {{t\|76.8\|gbsnh9-7utm}} | {{t\|22.2\|gbsnh9-6kcq}} | {{t\|19.1\|gbsnh9-dngv}} |
| Consolidation (30) | {{t\|-647\|gbsnh9-872f}} | {{t\|-569\|gbsnh9-pwh3}} | n.m. | {{t\|-811\|gbsnh9-zd71}} | {{t\|-782\|gbsnh9-gwjl}} | {{t\|33\|gbsnh9-greb}} | {{t\|36\|gbsnh9-bv1b}} | n.m. | n.m. | n.m. | n.m. | n.m. | n.m. |
| **Total** | {{t\|16,399\|gbsnh9-0fuq}} | {{t\|17,603\|gbsnh9-7je5}} | {{t\|9.8\|gbsnh9-ncdo}} | {{t\|16,501\|gbsnh9-h7dj}} | {{t\|17,931\|gbsnh9-pyit}} | {{t\|1,583\|gbsnh9-pp0q}} | {{t\|1,608\|gbsnh9-p0he}} | {{t\|94.3\|gbsnh9-9cqv}} | {{t\|94.9\|gbsnh9-32mc}} | {{t\|69.1\|gbsnh9-46qz}} | {{t\|71.4\|gbsnh9-1adz}} | {{t\|25.2\|gbsnh9-frfe}} | {{t\|23.5\|gbsnh9-92r9}} |
(28) Total business volume comprises gross premiums written and fee and commission income.
(29) This reflects the growth of total business volume on an internal basis, adjusted for foreign currency translation and (de-)consolidation effects.
(30) Represents elimination of transactions between Allianz Group entities in different geographic regions." |
|---|
|
| id | "gbsnh9-c11" |
|---|
| chunk | 11 |
|---|
| pages | |
|---|
| heading | "P&C by Cust Segment YTD" |
|---|
| tags | |
|---|
| links | |
|---|
| data_items | |
|---|
| effective_tags | |
|---|
| content | "**Property & casualty key figures by customer segment, YTD.**
| In EUR million | Property-Casualty 12M 22 | Property-Casualty 12M 23 | Retail lines (31) 12M 22 | Retail lines (31) 12M 23 | Commercial lines (32) 12M 22 | Commercial lines (32) 12M 23 | Not allocated 12M 22 | Not allocated 12M 23 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Total business volume (33) | {{t\|70,613\|gbsnh9-279y}} | {{t\|76,531\|gbsnh9-7mdf}} | {{t\|42,577\|gbsnh9-aztx}} | {{t\|45,901\|gbsnh9-26cx}} | {{t\|26,837\|gbsnh9-p0wl}} | {{t\|30,329\|gbsnh9-n8cv}} | {{t\|1,199\|gbsnh9-x4xn}} | {{t\|301\|gbsnh9-0ib4}} |
| {{t\|Insurance revenue\|\|Insurance revenue}} | {{t\|63,963\|gbsnh9-18ra}} | {{t\|68,757\|gbsnh9-3ybt}} | {{t\|39,761\|gbsnh9-b47c}} | {{t\|42,181\|gbsnh9-d46c}} | {{t\|23,700\|gbsnh9-8uh9}} | {{t\|26,176\|gbsnh9-o7ve}} | {{t\|501\|gbsnh9-9uco}} | {{t\|400\|gbsnh9-9ucb}} |
| **in % — Combined ratio** | {{t\|93.3\|gbsnh9-wd8k}} | {{t\|93.8\|gbsnh9-xlfq}} | {{t\|95.0\|gbsnh9-4oyr}} | {{t\|95.8\|gbsnh9-nruv}} | {{t\|90.1\|gbsnh9-c584}} | {{t\|90.5\|gbsnh9-xmp0}} | — | — |
| in % — Loss ratio | {{t\|68.4\|gbsnh9-lcnj}} | {{t\|69.3\|gbsnh9-mbjy}} | {{t\|68.3\|gbsnh9-lozx}} | {{t\|69.3\|gbsnh9-pyj1}} | {{t\|67.7\|gbsnh9-2l9b}} | {{t\|69.0\|gbsnh9-uxnw}} | — | — |
| in % — Expense ratio | {{t\|24.9\|gbsnh9-0alg}} | {{t\|24.6\|gbsnh9-5v0b}} | {{t\|26.7\|gbsnh9-f8e1}} | {{t\|26.4\|gbsnh9-nqqd}} | {{t\|22.4\|gbsnh9-w6u2}} | {{t\|21.5\|gbsnh9-7f1w}} | — | — |
(31) Retail including SME and Fleet.
(32) Commercial including large corporate, MidCorp, credit insurance, internal and 3rd party reinsurance.
(33) Total business volume comprises gross premiums written and fee and commission income." |
|---|
|
| id | "gbsnh9-c12" |
|---|
| chunk | 12 |
|---|
| pages | |
|---|
| heading | "P&C by Cust Segment QTD" |
|---|
| tags | |
|---|
| links | |
|---|
| data_items | |
|---|
| effective_tags | |
|---|
| content | "**Property & casualty key figures by customer segment, QTD.**
| In EUR million | Property-Casualty 4Q 22 | Property-Casualty 4Q 23 | Retail lines (34) 4Q 22 | Retail lines (34) 4Q 23 | Commercial lines (35) 4Q 22 | Commercial lines (35) 4Q 23 | Not allocated 4Q 22 | Not allocated 4Q 23 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Total business volume (36) | {{t\|16,399\|gbsnh9-j0ux}} | {{t\|17,603\|gbsnh9-1dj6}} | {{t\|10,153\|gbsnh9-u4pm}} | {{t\|10,962\|gbsnh9-sj4m}} | {{t\|6,202\|gbsnh9-zzml}} | {{t\|6,477\|gbsnh9-hfur}} | {{t\|44\|gbsnh9-6rns}} | {{t\|164\|gbsnh9-lg5u}} |
| {{t\|Insurance revenue\|\|Insurance revenue}} | {{t\|16,501\|gbsnh9-ykpq}} | {{t\|17,931\|gbsnh9-iokf}} | {{t\|10,126\|gbsnh9-wzxz}} | {{t\|10,783\|gbsnh9-uy9b}} | {{t\|6,375\|gbsnh9-qxle}} | {{t\|7,047\|gbsnh9-9h5c}} | {{t\|0\|gbsnh9-n884}} | {{t\|102\|gbsnh9-n7ig}} |
| **in % — Combined ratio** | {{t\|94.3\|gbsnh9-2xfu}} | {{t\|94.9\|gbsnh9-aw00}} | {{t\|96.4\|gbsnh9-xnz3}} | {{t\|96.3\|gbsnh9-j1k1}} | {{t\|91.4\|gbsnh9-mtk1}} | {{t\|92.9\|gbsnh9-fi4k}} | — | — |
| in % — Loss ratio | {{t\|69.1\|gbsnh9-i67w}} | {{t\|71.4\|gbsnh9-s9ag}} | {{t\|69.3\|gbsnh9-pp2v}} | {{t\|70.1\|gbsnh9-atcb}} | {{t\|68.0\|gbsnh9-4jrk}} | {{t\|72.8\|gbsnh9-7nmk}} | — | — |
| in % — Expense ratio | {{t\|25.2\|gbsnh9-g03q}} | {{t\|23.5\|gbsnh9-hw49}} | {{t\|27.1\|gbsnh9-3f6u}} | {{t\|26.2\|gbsnh9-tkh0}} | {{t\|23.4\|gbsnh9-yzu0}} | {{t\|20.2\|gbsnh9-l4k0}} | — | — |
(34) Retail including SME and Fleet.
(35) Commercial including large corporate, MidCorp, credit insurance, internal and 3rd party reinsurance.
(36) Total business volume comprises gross premiums written and fee and commission income." |
|---|
|
| id | "gbsnh9-c13" |
|---|
| chunk | 13 |
|---|
| pages | |
|---|
| heading | "Life & Health" |
|---|
| tags | |
|---|
| links | | "Net investment income" |
| "Underlying earnings" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Net investment income" |
| "Underlying earnings" |
|
|---|
| content | "**Life & health operating profit build-up.**
| In EUR million | 1Q 22 | 2Q 22 | 3Q 22 | 4Q 22 | 2022 | 1Q 23 | 2Q 23 | 3Q 23 | 4Q 23 | 2023 | ∆ 2023 / 2022 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Total business volume (37) | {{t\|20,649\|gbsnh9-yab4}} | {{t\|19,260\|gbsnh9-8790}} | {{t\|16,877\|gbsnh9-vzab}} | {{t\|18,472\|gbsnh9-g7jm}} | {{t\|75,258\|gbsnh9-e2u5}} | {{t\|20,114\|gbsnh9-gws2}} | {{t\|20,296\|gbsnh9-vroy}} | {{t\|17,495\|gbsnh9-t9f6}} | {{t\|19,973\|gbsnh9-185u}} | {{t\|77,878\|gbsnh9-p46x}} | {{t\|3.5%\|gbsnh9-ceir}} |
| Release CSM | {{t\|1,191\|gbsnh9-0qiy}} | {{t\|1,164\|gbsnh9-10vy}} | {{t\|1,302\|gbsnh9-1jy4}} | {{t\|1,362\|gbsnh9-o12w}} | {{t\|5,020\|gbsnh9-gota}} | {{t\|1,215\|gbsnh9-og73}} | {{t\|1,245\|gbsnh9-38i7}} | {{t\|1,252\|gbsnh9-nypf}} | {{t\|1,254\|gbsnh9-z44t}} | {{t\|4,967\|gbsnh9-ujfu}} | {{t\|-1.1%\|gbsnh9-8gz2}} |
| Release risk adjustment | {{t\|135\|gbsnh9-z0t7}} | {{t\|140\|gbsnh9-k1dw}} | {{t\|149\|gbsnh9-jayq}} | {{t\|142\|gbsnh9-ay29}} | {{t\|566\|gbsnh9-d8z2}} | {{t\|129\|gbsnh9-6v2u}} | {{t\|128\|gbsnh9-em4h}} | {{t\|132\|gbsnh9-x9uz}} | {{t\|123\|gbsnh9-u6ip}} | {{t\|512\|gbsnh9-r2wt}} | {{t\|-9.5%\|gbsnh9-xzc8}} |
| Variances from claims and expenses (38) | {{t\|-78\|gbsnh9-3fa1}} | {{t\|-75\|gbsnh9-1hwg}} | {{t\|-136\|gbsnh9-v86e}} | {{t\|-335\|gbsnh9-5u4r}} | {{t\|-625\|gbsnh9-66b9}} | {{t\|-62\|gbsnh9-f68w}} | {{t\|-96\|gbsnh9-w0k5}} | {{t\|-122\|gbsnh9-ulup}} | {{t\|-100\|gbsnh9-pxep}} | {{t\|-380\|gbsnh9-ewr4}} | {{t\|-39.1%\|gbsnh9-cqw2}} |
| Losses on onerous contracts | {{t\|-58\|gbsnh9-2ud9}} | {{t\|-3\|gbsnh9-yp6o}} | {{t\|-38\|gbsnh9-07bv}} | {{t\|11\|gbsnh9-g6nn}} | {{t\|-88\|gbsnh9-xiu8}} | {{t\|18\|gbsnh9-stfp}} | {{t\|-13\|gbsnh9-1gjc}} | {{t\|-18\|gbsnh9-bgd7}} | {{t\|-4\|gbsnh9-6c8i}} | {{t\|-17\|gbsnh9-fwri}} | {{t\|-80.5%\|gbsnh9-5d37}} |
| Non-attributable expenses | {{t\|-232\|gbsnh9-y8b8}} | {{t\|-242\|gbsnh9-811z}} | {{t\|-260\|gbsnh9-88bu}} | {{t\|-333\|gbsnh9-0p8j}} | {{t\|-1,066\|gbsnh9-47lr}} | {{t\|-250\|gbsnh9-eoqi}} | {{t\|-274\|gbsnh9-fdwq}} | {{t\|-248\|gbsnh9-zi68}} | {{t\|-295\|gbsnh9-dfgj}} | {{t\|-1,067\|gbsnh9-b9u8}} | {{t\|0.1%\|gbsnh9-bvqc}} |
| Operating {{t\|investment result\|\|Net investment income}} | {{t\|-269\|gbsnh9-q0vh}} | {{t\|-68\|gbsnh9-vx0v}} | {{t\|282\|gbsnh9-8huu}} | {{t\|191\|gbsnh9-rvrd}} | {{t\|137\|gbsnh9-qsvj}} | {{t\|190\|gbsnh9-rme0}} | {{t\|162\|gbsnh9-ndn2}} | {{t\|240\|gbsnh9-h80c}} | {{t\|299\|gbsnh9-hoon}} | {{t\|890\|gbsnh9-5x3v}} | n.m. |
| Other {{t\|operating result\|\|Underlying earnings}} | {{t\|116\|gbsnh9-by73}} | {{t\|65\|gbsnh9-fnva}} | {{t\|76\|gbsnh9-exu6}} | {{t\|17\|gbsnh9-u6gw}} | {{t\|275\|gbsnh9-6d1i}} | {{t\|81\|gbsnh9-3mwj}} | {{t\|49\|gbsnh9-j7n3}} | {{t\|73\|gbsnh9-4i4j}} | {{t\|85\|gbsnh9-zvxc}} | {{t\|288\|gbsnh9-ujt4}} | {{t\|4.7%\|gbsnh9-l357}} |
| {{t\|Operating profit\|\|Underlying earnings}} | {{t\|806\|gbsnh9-6n62}} | {{t\|981\|gbsnh9-k9zt}} | {{t\|1,375\|gbsnh9-2ret}} | {{t\|1,056\|gbsnh9-3gr0}} | {{t\|4,218\|gbsnh9-vqwh}} | {{t\|1,320\|gbsnh9-g8bz}} | {{t\|1,202\|gbsnh9-onik}} | {{t\|1,308\|gbsnh9-7j4x}} | {{t\|1,362\|gbsnh9-6vtj}} | {{t\|5,191\|gbsnh9-6p5z}} | {{t\|23.1%\|gbsnh9-o73c}} |
| Non-operating items — Realized gains/losses (net) | {{t\|116\|gbsnh9-zopd}} | {{t\|20\|gbsnh9-l5z6}} | {{t\|6\|gbsnh9-dme2}} | {{t\|103\|gbsnh9-7vz4}} | {{t\|245\|gbsnh9-5vce}} | {{t\|-2\|gbsnh9-vscc}} | {{t\|-11\|gbsnh9-gqa6}} | {{t\|-111\|gbsnh9-10c5}} | {{t\|-8\|gbsnh9-9s0g}} | {{t\|-133\|gbsnh9-dctr}} | n.m. |
| Non-operating items — Expected credit loss and impairments (net) | {{t\|-37\|gbsnh9-b8o7}} | {{t\|-11\|gbsnh9-gw8f}} | {{t\|29\|gbsnh9-767i}} | {{t\|-67\|gbsnh9-zqwb}} | {{t\|-87\|gbsnh9-wgoj}} | {{t\|-161\|gbsnh9-3uhu}} | {{t\|-0\|gbsnh9-sere}} | {{t\|141\|gbsnh9-nc8t}} | {{t\|-3\|gbsnh9-3rdb}} | {{t\|-23\|gbsnh9-dujk}} | {{t\|-73.8%\|gbsnh9-32q6}} |
| Non-operating items — Result from assets and liabilities measured at fair value incl. derivatives | {{t\|-19\|gbsnh9-ysv1}} | {{t\|-68\|gbsnh9-jiez}} | {{t\|-25\|gbsnh9-2rak}} | {{t\|71\|gbsnh9-2ovl}} | {{t\|-40\|gbsnh9-jpnk}} | {{t\|66\|gbsnh9-tgpt}} | {{t\|-27\|gbsnh9-jz3v}} | {{t\|-0\|gbsnh9-io9y}} | {{t\|-37\|gbsnh9-tgo8}} | {{t\|3\|gbsnh9-uulg}} | n.m. |
| Non-operating items — thereof: Non-operating market movements | {{t\|-7\|gbsnh9-0kxj}} | {{t\|-65\|gbsnh9-6k5i}} | {{t\|-1\|gbsnh9-vjd9}} | {{t\|12\|gbsnh9-13t7}} | {{t\|-62\|gbsnh9-0hui}} | {{t\|30\|gbsnh9-f2yy}} | {{t\|-14\|gbsnh9-h1zc}} | {{t\|13\|gbsnh9-09og}} | {{t\|-26\|gbsnh9-t3yl}} | {{t\|2\|gbsnh9-6uzb}} | n.m. |
| Non-operating items — Restructuring and integration expenses | {{t\|-14\|gbsnh9-z2si}} | {{t\|-18\|gbsnh9-7jna}} | {{t\|-18\|gbsnh9-qnyv}} | {{t\|-37\|gbsnh9-t9q6}} | {{t\|-87\|gbsnh9-yx3l}} | {{t\|-8\|gbsnh9-tege}} | {{t\|-12\|gbsnh9-1kg1}} | {{t\|-15\|gbsnh9-4ok5}} | {{t\|-40\|gbsnh9-zqp7}} | {{t\|-75\|gbsnh9-zz8x}} | {{t\|-12.9%\|gbsnh9-nptx}} |
| Non-operating items — Amortization of intangible assets | {{t\|-17\|gbsnh9-3azi}} | {{t\|-20\|gbsnh9-dyl0}} | {{t\|-18\|gbsnh9-h2sm}} | {{t\|-19\|gbsnh9-w6zp}} | {{t\|-74\|gbsnh9-l4en}} | {{t\|-17\|gbsnh9-ehg8}} | {{t\|-17\|gbsnh9-iloj}} | {{t\|-17\|gbsnh9-4o0u}} | {{t\|-16\|gbsnh9-us9y}} | {{t\|-68\|gbsnh9-h648}} | {{t\|-8.0%\|gbsnh9-oq69}} |
| Non-operating items — thereof: Amortization of intangible assets from business combinations | {{t\|-2\|gbsnh9-09h1}} | {{t\|-2\|gbsnh9-wz2c}} | {{t\|-3\|gbsnh9-m9vn}} | {{t\|-4\|gbsnh9-1cck}} | {{t\|-12\|gbsnh9-6c6c}} | {{t\|-3\|gbsnh9-qd27}} | {{t\|-3\|gbsnh9-5mkx}} | {{t\|-3\|gbsnh9-iju7}} | {{t\|-3\|gbsnh9-1frm}} | {{t\|-11\|gbsnh9-xi24}} | {{t\|-2.7%\|gbsnh9-uvsx}} |
| Non-operating items — Other (including tax reclassifications) (39) | {{t\|141\|gbsnh9-m4jm}} | {{t\|120\|gbsnh9-n7xc}} | {{t\|87\|gbsnh9-w3bt}} | {{t\|-32\|gbsnh9-11uh}} | {{t\|315\|gbsnh9-3ec3}} | {{t\|-82\|gbsnh9-83ra}} | {{t\|-71\|gbsnh9-7m5t}} | {{t\|-36\|gbsnh9-u0vq}} | {{t\|45\|gbsnh9-dyh5}} | {{t\|-145\|gbsnh9-mba1}} | n.m. |
| **Non-operating items — Subtotal** | {{t\|170\|gbsnh9-3xwi}} | {{t\|23\|gbsnh9-3ef5}} | {{t\|60\|gbsnh9-uusr}} | {{t\|20\|gbsnh9-vc05}} | {{t\|273\|gbsnh9-iif1}} | {{t\|-204\|gbsnh9-riry}} | {{t\|-139\|gbsnh9-weyr}} | {{t\|-39\|gbsnh9-rfhr}} | {{t\|-60\|gbsnh9-6fln}} | {{t\|-441\|gbsnh9-8vxq}} | n.m. |
| **Non-operating items — Income (loss) before income taxes** | {{t\|976\|gbsnh9-3a0j}} | {{t\|1,004\|gbsnh9-g7p3}} | {{t\|1,435\|gbsnh9-tllj}} | {{t\|1,076\|gbsnh9-jbvj}} | {{t\|4,491\|gbsnh9-ogeq}} | {{t\|1,115\|gbsnh9-m0w8}} | {{t\|1,063\|gbsnh9-suev}} | {{t\|1,270\|gbsnh9-bifx}} | {{t\|1,302\|gbsnh9-4y39}} | {{t\|4,750\|gbsnh9-jqux}} | {{t\|5.8%\|gbsnh9-360g}} |
| Non-operating items — Income taxes | {{t\|-328\|gbsnh9-nhv3}} | {{t\|-334\|gbsnh9-xlkb}} | {{t\|-353\|gbsnh9-8a6d}} | {{t\|-159\|gbsnh9-xui0}} | {{t\|-1,174\|gbsnh9-xn3x}} | {{t\|-275\|gbsnh9-i1g7}} | {{t\|-165\|gbsnh9-zid1}} | {{t\|-299\|gbsnh9-3mbw}} | {{t\|-223\|gbsnh9-h5c6}} | {{t\|-962\|gbsnh9-vzsr}} | {{t\|-18.0%\|gbsnh9-x51x}} |
| **Non-operating items — Net income (loss)** | {{t\|648\|gbsnh9-j24m}} | {{t\|670\|gbsnh9-j6gs}} | {{t\|1,082\|gbsnh9-lghs}} | {{t\|917\|gbsnh9-ld1s}} | {{t\|3,317\|gbsnh9-pmnr}} | {{t\|840\|gbsnh9-hba0}} | {{t\|898\|gbsnh9-21jj}} | {{t\|971\|gbsnh9-zqf6}} | {{t\|1,079\|gbsnh9-mc9c}} | {{t\|3,788\|gbsnh9-f1u8}} | {{t\|14.2%\|gbsnh9-gqm1}} |
| Net income (loss) attributable to: — Non-controlling interests | {{t\|38\|gbsnh9-al9g}} | {{t\|33\|gbsnh9-5qci}} | {{t\|39\|gbsnh9-e9bq}} | {{t\|47\|gbsnh9-51q1}} | {{t\|157\|gbsnh9-nsqn}} | {{t\|55\|gbsnh9-prs5}} | {{t\|43\|gbsnh9-ojt6}} | {{t\|38\|gbsnh9-mrgr}} | {{t\|63\|gbsnh9-s6m5}} | {{t\|200\|gbsnh9-4j4t}} | {{t\|27.0%\|gbsnh9-b12y}} |
| **Net income (loss) attributable to: — Shareholders** | {{t\|610\|gbsnh9-8f7s}} | {{t\|637\|gbsnh9-tg01}} | {{t\|1,043\|gbsnh9-6uib}} | {{t\|870\|gbsnh9-syr8}} | {{t\|3,160\|gbsnh9-u326}} | {{t\|785\|gbsnh9-1ylm}} | {{t\|855\|gbsnh9-opah}} | {{t\|933\|gbsnh9-1rjf}} | {{t\|1,016\|gbsnh9-ycg9}} | {{t\|3,589\|gbsnh9-pgjf}} | {{t\|13.6%\|gbsnh9-vy6h}} |
| **Net income (loss) attributable to: — Income (loss) before income taxes** | {{t\|976\|gbsnh9-d9iu}} | {{t\|1,004\|gbsnh9-e7sz}} | {{t\|1,435\|gbsnh9-fp7u}} | {{t\|1,076\|gbsnh9-umac}} | {{t\|4,491\|gbsnh9-87qa}} | {{t\|1,115\|gbsnh9-lbbb}} | {{t\|1,063\|gbsnh9-zyt2}} | {{t\|1,270\|gbsnh9-1wiw}} | {{t\|1,302\|gbsnh9-edl5}} | {{t\|4,750\|gbsnh9-g0jw}} | {{t\|5.8%\|gbsnh9-jl2i}} |
| Net income (loss) attributable to: — Adjustment for non-operating market movements | {{t\|7\|gbsnh9-z3x5}} | {{t\|65\|gbsnh9-2h70}} | {{t\|1\|gbsnh9-uga0}} | {{t\|-12\|gbsnh9-8zay}} | {{t\|62\|gbsnh9-y6p5}} | {{t\|-30\|gbsnh9-3xly}} | {{t\|14\|gbsnh9-4b68}} | {{t\|-13\|gbsnh9-ibnd}} | {{t\|26\|gbsnh9-6p21}} | {{t\|-2\|gbsnh9-wg01}} | n.m. |
| Net income (loss) attributable to: — Adjustment for amortization of intangible assets from business combinations | {{t\|2\|gbsnh9-61x7}} | {{t\|2\|gbsnh9-2mo6}} | {{t\|3\|gbsnh9-cctp}} | {{t\|4\|gbsnh9-ilmi}} | {{t\|12\|gbsnh9-1dmz}} | {{t\|3\|gbsnh9-6r2h}} | {{t\|3\|gbsnh9-uodm}} | {{t\|3\|gbsnh9-7z82}} | {{t\|3\|gbsnh9-fn45}} | {{t\|11\|gbsnh9-36fa}} | {{t\|-2.7%\|gbsnh9-v4ey}} |
| **Net income (loss) attributable to: — Core income (loss) before income taxes** | {{t\|986\|gbsnh9-ehw9}} | {{t\|1,071\|gbsnh9-l0te}} | {{t\|1,439\|gbsnh9-xeh1}} | {{t\|1,069\|gbsnh9-qpx5}} | {{t\|4,565\|gbsnh9-9kyh}} | {{t\|1,089\|gbsnh9-2dic}} | {{t\|1,080\|gbsnh9-p0zm}} | {{t\|1,259\|gbsnh9-0zt6}} | {{t\|1,332\|gbsnh9-0fhx}} | {{t\|4,760\|gbsnh9-y5qy}} | {{t\|4.3%\|gbsnh9-equ7}} |
| Net income (loss) attributable to: — Income taxes related to core income | {{t\|-330\|gbsnh9-9oof}} | {{t\|-344\|gbsnh9-l520}} | {{t\|-356\|gbsnh9-v5zk}} | {{t\|-159\|gbsnh9-6orv}} | {{t\|-1,189\|gbsnh9-uug1}} | {{t\|-267\|gbsnh9-wuek}} | {{t\|-172\|gbsnh9-0c6z}} | {{t\|-297\|gbsnh9-doyv}} | {{t\|-229\|gbsnh9-dbk2}} | {{t\|-965\|gbsnh9-h07v}} | {{t\|-18.8%\|gbsnh9-sekw}} |
| **Net income (loss) attributable to: — Core net income (loss)** | {{t\|655\|gbsnh9-b6lj}} | {{t\|727\|gbsnh9-xa4d}} | {{t\|1,083\|gbsnh9-slsc}} | {{t\|910\|gbsnh9-fmjo}} | {{t\|3,376\|gbsnh9-7nus}} | {{t\|822\|gbsnh9-p51d}} | {{t\|908\|gbsnh9-3l9p}} | {{t\|963\|gbsnh9-7ahx}} | {{t\|1,102\|gbsnh9-1d13}} | {{t\|3,795\|gbsnh9-e64v}} | {{t\|12.4%\|gbsnh9-2vle}} |
| **Net income (loss) attributable to: — thereof: Shareholders' core net income (loss)** | {{t\|620\|gbsnh9-04eu}} | {{t\|697\|gbsnh9-olq2}} | {{t\|1,039\|gbsnh9-ae0q}} | {{t\|849\|gbsnh9-x5bz}} | {{t\|3,205\|gbsnh9-opzi}} | {{t\|766\|gbsnh9-bbjn}} | {{t\|873\|gbsnh9-w21w}} | {{t\|924\|gbsnh9-mftz}} | {{t\|1,033\|gbsnh9-ve8i}} | {{t\|3,595\|gbsnh9-l9aq}} | {{t\|12.2%\|gbsnh9-gydx}} |
| Net income (loss) attributable to: — Core return on equity(41) (in %) | {{t\|14.0\|gbsnh9-2xwi}} | {{t\|14.0\|gbsnh9-xy80}} | {{t\|14.0\|gbsnh9-s01k}} | {{t\|14.0\|gbsnh9-chf1}} | {{t\|14.0\|gbsnh9-w2fq}} | {{t\|16.3\|gbsnh9-aboz}} | {{t\|16.3\|gbsnh9-3z31}} | {{t\|16.3\|gbsnh9-34t2}} | {{t\|16.3\|gbsnh9-t6ss}} | {{t\|16.3\|gbsnh9-5ht0}} | 2.3%-p |
| Net income (loss) attributable to: — Operating asset base (in EUR bn) | {{t\|795.7\|gbsnh9-1t8r}} | {{t\|734.1\|gbsnh9-c934}} | {{t\|714.5\|gbsnh9-p9ph}} | {{t\|700.5\|gbsnh9-o0ys}} | {{t\|700.5\|gbsnh9-288t}} | {{t\|714.9\|gbsnh9-h9ag}} | {{t\|717.9\|gbsnh9-jia4}} | {{t\|703.3\|gbsnh9-rch0}} | {{t\|737.4\|gbsnh9-9cqo}} | {{t\|737.4\|gbsnh9-ro28}} | {{t\|5.3%\|gbsnh9-0jrq}} |
| Net income (loss) attributable to: — Net flows(42) (in EUR bn) | {{t\|2.3\|gbsnh9-s8nl}} | {{t\|2.8\|gbsnh9-paus}} | {{t\|-0.8\|gbsnh9-f43u}} | {{t\|-2.9\|gbsnh9-glg3}} | {{t\|1.3\|gbsnh9-kgzk}} | {{t\|-0.4\|gbsnh9-47ha}} | {{t\|0.6\|gbsnh9-7nei}} | {{t\|-2.1\|gbsnh9-qilj}} | {{t\|-3.2\|gbsnh9-0bg5}} | {{t\|-5.0\|gbsnh9-lq0v}} | n.m. |
| Net income (loss) attributable to: — Risk adjustment (gross of reinsurance) (40) | {{t\|5,686\|gbsnh9-dz7p}} | {{t\|5,568\|gbsnh9-fu4f}} | {{t\|5,457\|gbsnh9-r84u}} | {{t\|5,194\|gbsnh9-txrp}} | {{t\|5,194\|gbsnh9-e4ca}} | {{t\|5,170\|gbsnh9-6qiz}} | {{t\|5,227\|gbsnh9-ecll}} | {{t\|4,907\|gbsnh9-qgz0}} | {{t\|4,647\|gbsnh9-8h23}} | {{t\|4,647\|gbsnh9-uerr}} | {{t\|-10.5%\|gbsnh9-hv1i}} |
(37) Total business volume comprises statutory gross premiums.
(38) Including reinsurance result.
(39) Including hyperinflation result.
(41) For prior year and current year periods the core return on equity for the respective full year is shown. From 9M 23, the core return on equity calculation for segments was amended due to the alignment of the calculation methodology across business segments and with the Allianz Group. Comparative periods have been adjusted.
(42) Life/Health Net Flows comprise statutory gross premiums, policyholder claims, reinsurance premiums paid and claims received, expenses (i.e. acquisition, administrative, investment), and fee/commission income. Interest Income is excluded from the calculation.
(40) Refers to liability for remaining coverage (LRC)." |
|---|
|
| id | "gbsnh9-c14" |
|---|
| chunk | 14 |
|---|
| pages | |
|---|
| heading | "L&H New Business YTD" |
|---|
| tags | |
|---|
| links | |
|---|
| data_items | |
|---|
| effective_tags | |
|---|
| content | "**Life & health new business by region, YTD.**
| In EUR million | Present value of new business premiums 12M 22 (43) EUR mn | Present value of new business premiums 12M 23 EUR mn | New business margin 12M 22 % | New business margin 12M 23 % | Value of new business 12M 22 (44) EUR mn | Value of new business 12M 23 EUR mn |
| --- | --- | --- | --- | --- | --- | --- |
| Germany Life | {{t\|16,610\|gbsnh9-wzwq}} | {{t\|13,944\|gbsnh9-8lfn}} | {{t\|5.5\|gbsnh9-05ec}} | {{t\|5.5\|gbsnh9-e9yv}} | {{t\|910\|gbsnh9-1ncb}} | {{t\|762\|gbsnh9-xsyu}} |
| Germany Health | {{t\|2,951\|gbsnh9-nsal}} | {{t\|2,683\|gbsnh9-pnzf}} | {{t\|6.6\|gbsnh9-ielt}} | {{t\|5.5\|gbsnh9-ds22}} | {{t\|194\|gbsnh9-x3rj}} | {{t\|147\|gbsnh9-t9ml}} |
| Switzerland | {{t\|1,009\|gbsnh9-goba}} | {{t\|823\|gbsnh9-vwsc}} | {{t\|4.0\|gbsnh9-xexg}} | {{t\|5.2\|gbsnh9-d3vl}} | {{t\|41\|gbsnh9-tqic}} | {{t\|43\|gbsnh9-jpsa}} |
| Central & Eastern Europe | {{t\|1,489\|gbsnh9-5yd5}} | {{t\|1,480\|gbsnh9-u4kj}} | {{t\|8.9\|gbsnh9-hcpp}} | {{t\|9.6\|gbsnh9-0wzt}} | {{t\|133\|gbsnh9-l200}} | {{t\|142\|gbsnh9-q8ja}} |
| **German Speaking Countries and Central & Eastern Europe** | {{t\|22,060\|gbsnh9-s3a6}} | {{t\|18,931\|gbsnh9-qznz}} | {{t\|5.8\|gbsnh9-ok7h}} | {{t\|5.8\|gbsnh9-6j3k}} | {{t\|1,278\|gbsnh9-okgm}} | {{t\|1,094\|gbsnh9-nyu6}} |
| Italy | {{t\|12,200\|gbsnh9-mhiv}} | {{t\|12,039\|gbsnh9-y7n2}} | {{t\|3.2\|gbsnh9-g82j}} | {{t\|3.8\|gbsnh9-f3lb}} | {{t\|393\|gbsnh9-0fz2}} | {{t\|458\|gbsnh9-31lq}} |
| France | {{t\|5,949\|gbsnh9-4xkk}} | {{t\|5,912\|gbsnh9-k1v3}} | {{t\|2.6\|gbsnh9-8lko}} | {{t\|4.9\|gbsnh9-i3la}} | {{t\|155\|gbsnh9-v6ls}} | {{t\|289\|gbsnh9-smgp}} |
| Benelux | {{t\|1,607\|gbsnh9-cood}} | {{t\|1,699\|gbsnh9-yxmg}} | {{t\|4.1\|gbsnh9-kacy}} | {{t\|3.4\|gbsnh9-kvl4}} | {{t\|66\|gbsnh9-8vj3}} | {{t\|58\|gbsnh9-i8oe}} |
| Türkiye | {{t\|839\|gbsnh9-nfzg}} | {{t\|1,174\|gbsnh9-nu22}} | {{t\|7.1\|gbsnh9-agk7}} | {{t\|7.0\|gbsnh9-whop}} | {{t\|60\|gbsnh9-f38g}} | {{t\|82\|gbsnh9-n3z2}} |
| Greece | {{t\|12\|gbsnh9-09ub}} | {{t\|74\|gbsnh9-onnl}} | {{t\|4.7\|gbsnh9-8rgp}} | {{t\|3.9\|gbsnh9-e2g8}} | {{t\|1\|gbsnh9-azxe}} | {{t\|3\|gbsnh9-u405}} |
| **Western & Southern Europe** | {{t\|20,607\|gbsnh9-svuo}} | {{t\|20,898\|gbsnh9-7078}} | {{t\|3.3\|gbsnh9-frbi}} | {{t\|4.3\|gbsnh9-264t}} | {{t\|675\|gbsnh9-vvpi}} | {{t\|890\|gbsnh9-vsdf}} |
| **Asia-Pacific** | {{t\|5,989\|gbsnh9-plnr}} | {{t\|5,818\|gbsnh9-gbhc}} | {{t\|8.1\|gbsnh9-jf6q}} | {{t\|9.2\|gbsnh9-q5w5}} | {{t\|485\|gbsnh9-w6w4}} | {{t\|538\|gbsnh9-2ul2}} |
| **USA** | {{t\|15,795\|gbsnh9-cl8x}} | {{t\|18,323\|gbsnh9-uq8o}} | {{t\|7.9\|gbsnh9-rguv}} | {{t\|6.1\|gbsnh9-bjsw}} | {{t\|1,251\|gbsnh9-ww30}} | {{t\|1,125\|gbsnh9-vnbo}} |
| Reinsurance L/H | {{t\|814\|gbsnh9-6wpq}} | {{t\|2,078\|gbsnh9-994h}} | {{t\|2.9\|gbsnh9-4ya8}} | {{t\|5.3\|gbsnh9-4bai}} | {{t\|24\|gbsnh9-wc8s}} | {{t\|110\|gbsnh9-w5jy}} |
| Spain | {{t\|474\|gbsnh9-qah1}} | {{t\|411\|gbsnh9-wqos}} | {{t\|6.0\|gbsnh9-h2xk}} | {{t\|4.9\|gbsnh9-a7iy}} | {{t\|28\|gbsnh9-is8k}} | {{t\|20\|gbsnh9-alp8}} |
| Portugal | {{t\|152\|gbsnh9-rett}} | {{t\|128\|gbsnh9-q9rt}} | {{t\|28.3\|gbsnh9-mwhf}} | {{t\|33.9\|gbsnh9-95bj}} | {{t\|43\|gbsnh9-jjou}} | {{t\|43\|gbsnh9-9fta}} |
| Latin America | {{t\|875\|gbsnh9-9wgy}} | {{t\|967\|gbsnh9-qku0}} | {{t\|12.8\|gbsnh9-jrbm}} | {{t\|15.6\|gbsnh9-6n4x}} | {{t\|112\|gbsnh9-kzjt}} | {{t\|151\|gbsnh9-nfk9}} |
| **Global Insurance Lines & Anglo Markets, Iberia & Latin America, Middle East and Africa** | {{t\|2,399\|gbsnh9-bhez}} | {{t\|3,712\|gbsnh9-mtd3}} | {{t\|8.7\|gbsnh9-y26y}} | {{t\|9.1\|gbsnh9-6823}} | {{t\|209\|gbsnh9-0ebu}} | {{t\|338\|gbsnh9-m8gw}} |
| **Consolidation and Other** | {{t\|-633\|gbsnh9-87qm}} | {{t\|-401\|gbsnh9-s9rz}} | n.m. | n.m. | n.m. | n.m. |
| **Total** | {{t\|66,216\|gbsnh9-k0gg}} | {{t\|67,281\|gbsnh9-3bx4}} | {{t\|5.9\|gbsnh9-a9l1}} | {{t\|5.9\|gbsnh9-l0zb}} | {{t\|3,898\|gbsnh9-sh1q}} | {{t\|3,985\|gbsnh9-8m5g}} |
**Life & health value of new business build-up, YTD.**
| In EUR million | 12M 22 | 12M 23 |
| --- | --- | --- |
| Value of new business (44) | {{t\|3,898\|gbsnh9-dru0}} | {{t\|3,985\|gbsnh9-dzgr}} |
| Non-attributable expenses | {{t\|616\|gbsnh9-fu56}} | {{t\|637\|gbsnh9-5fbq}} |
| Scope / Other | {{t\|177\|gbsnh9-wz1u}} | {{t\|-107\|gbsnh9-fan4}} |
| **CSM@inception** | {{t\|4,691\|gbsnh9-4xpg}} | {{t\|4,515\|gbsnh9-or0k}} |
(43) Present value of new business premiums for 12M 22 restated vs. 1Q 23 presentation from EUR 67,053 mn.
(44) Value of new business for 12M 22 restated vs. 1Q 23 presentation from EUR 3,939 mn." |
|---|
|
| id | "gbsnh9-c15" |
|---|
| chunk | 15 |
|---|
| pages | |
|---|
| heading | "L&H New Business QTD" |
|---|
| tags | |
|---|
| links | |
|---|
| data_items | |
|---|
| effective_tags | |
|---|
| content | "**Life/Health new business by region.**
| In EUR million | Present value of new business premiums 4Q 22 EUR mn | Present value of new business premiums 4Q 23 EUR mn | New business margin 4Q 22 % | New business margin 4Q 23 % | Value of new business 4Q 22 EUR mn | Value of new business 4Q 23 EUR mn |
| --- | --- | --- | --- | --- | --- | --- |
| Germany Life | {{t\|3,912\|gbsnh9-7fk3}} | {{t\|3,739\|gbsnh9-gb6u}} | {{t\|5.2\|gbsnh9-ptf0}} | {{t\|4.8\|gbsnh9-7t61}} | {{t\|203\|gbsnh9-3zid}} | {{t\|181\|gbsnh9-zm9v}} |
| Germany Health | {{t\|536\|gbsnh9-00zh}} | {{t\|629\|gbsnh9-s4j2}} | {{t\|6.5\|gbsnh9-wld2}} | {{t\|5.7\|gbsnh9-yqh5}} | {{t\|35\|gbsnh9-4p4a}} | {{t\|36\|gbsnh9-hjzt}} |
| Switzerland | {{t\|181\|gbsnh9-q2l5}} | {{t\|193\|gbsnh9-h1yi}} | {{t\|5.7\|gbsnh9-r5qs}} | {{t\|4.9\|gbsnh9-qbcz}} | {{t\|10\|gbsnh9-79lv}} | {{t\|10\|gbsnh9-dgu8}} |
| Central & Eastern Europe | {{t\|363\|gbsnh9-asby}} | {{t\|408\|gbsnh9-qc8b}} | {{t\|7.7\|gbsnh9-p27g}} | {{t\|9.2\|gbsnh9-vvui}} | {{t\|28\|gbsnh9-fo7e}} | {{t\|37\|gbsnh9-ul18}} |
| **German Speaking Countries and Central & Eastern Europe** | {{t\|4,992\|gbsnh9-lamd}} | {{t\|4,969\|gbsnh9-7yr2}} | {{t\|5.5\|gbsnh9-klra}} | {{t\|5.3\|gbsnh9-idit}} | {{t\|276\|gbsnh9-1b29}} | {{t\|263\|gbsnh9-w0mv}} |
| Italy | {{t\|2,896\|gbsnh9-bpn1}} | {{t\|3,515\|gbsnh9-367g}} | {{t\|3.5\|gbsnh9-2v8s}} | {{t\|4.4\|gbsnh9-tmqf}} | {{t\|102\|gbsnh9-in9q}} | {{t\|155\|gbsnh9-x2sp}} |
| France | {{t\|761\|gbsnh9-eb41}} | {{t\|731\|gbsnh9-c3qm}} | {{t\|4.7\|gbsnh9-b3mo}} | {{t\|6.8\|gbsnh9-6p4o}} | {{t\|36\|gbsnh9-h0l8}} | {{t\|50\|gbsnh9-z1yz}} |
| Benelux | {{t\|341\|gbsnh9-7y8y}} | {{t\|441\|gbsnh9-8iv5}} | {{t\|3.1\|gbsnh9-e99m}} | {{t\|3.3\|gbsnh9-5abb}} | {{t\|11\|gbsnh9-0bgm}} | {{t\|14\|gbsnh9-hx11}} |
| Türkiye | {{t\|289\|gbsnh9-a34h}} | {{t\|345\|gbsnh9-8w8t}} | {{t\|7.4\|gbsnh9-g4vz}} | {{t\|8.2\|gbsnh9-nvuw}} | {{t\|21\|gbsnh9-e3e6}} | {{t\|28\|gbsnh9-kqh1}} |
| Greece | {{t\|12\|gbsnh9-1kcx}} | {{t\|23\|gbsnh9-ttvv}} | {{t\|4.7\|gbsnh9-vutj}} | {{t\|3.0\|gbsnh9-t60k}} | {{t\|1\|gbsnh9-iema}} | {{t\|1\|gbsnh9-qpvs}} |
| **Western & Southern Europe** | {{t\|4,300\|gbsnh9-8pxa}} | {{t\|5,056\|gbsnh9-3nff}} | {{t\|4.0\|gbsnh9-arci}} | {{t\|4.9\|gbsnh9-9owm}} | {{t\|170\|gbsnh9-6tk8}} | {{t\|249\|gbsnh9-etfs}} |
| **Asia-Pacific** | {{t\|1,407\|gbsnh9-7vbs}} | {{t\|1,416\|gbsnh9-52q1}} | {{t\|9.2\|gbsnh9-5vkd}} | {{t\|10.9\|gbsnh9-7blu}} | {{t\|130\|gbsnh9-48mz}} | {{t\|154\|gbsnh9-5yk6}} |
| **USA** | {{t\|4,021\|gbsnh9-7j3l}} | {{t\|4,663\|gbsnh9-y7mr}} | {{t\|8.4\|gbsnh9-m12h}} | {{t\|5.6\|gbsnh9-bhcs}} | {{t\|336\|gbsnh9-v59b}} | {{t\|262\|gbsnh9-psbh}} |
| Reinsurance L/H | {{t\|17\|gbsnh9-eopi}} | {{t\|209\|gbsnh9-nkod}} | {{t\|-4.8\|gbsnh9-61pn}} | {{t\|0.5\|gbsnh9-et0x}} | {{t\|-1\|gbsnh9-focs}} | {{t\|1\|gbsnh9-p68f}} |
| Spain | {{t\|112\|gbsnh9-8ufj}} | {{t\|185\|gbsnh9-ppq2}} | {{t\|6.0\|gbsnh9-8592}} | {{t\|3.3\|gbsnh9-jltq}} | {{t\|7\|gbsnh9-qzpr}} | {{t\|6\|gbsnh9-jxw6}} |
| Portugal | {{t\|43\|gbsnh9-4yod}} | {{t\|45\|gbsnh9-hqxj}} | {{t\|22.3\|gbsnh9-day1}} | {{t\|30.3\|gbsnh9-4z7g}} | {{t\|10\|gbsnh9-gi3p}} | {{t\|14\|gbsnh9-dtsi}} |
| Latin America | {{t\|216\|gbsnh9-x7te}} | {{t\|278\|gbsnh9-914t}} | {{t\|16.3\|gbsnh9-afoy}} | {{t\|15.3\|gbsnh9-nq0c}} | {{t\|35\|gbsnh9-244p}} | {{t\|42\|gbsnh9-cqhq}} |
| **Global Insurance Lines & Anglo Markets, Iberia & Latin America, Middle East and Africa** | {{t\|388\|gbsnh9-17ll}} | {{t\|717\|gbsnh9-e6uy}} | {{t\|13.1\|gbsnh9-h3eb}} | {{t\|8.8\|gbsnh9-bdzm}} | {{t\|51\|gbsnh9-oqsd}} | {{t\|63\|gbsnh9-9u2i}} |
| **Consolidation and Other** | {{t\|49\|gbsnh9-pr6s}} | {{t\|-108\|gbsnh9-ogay}} | n.m. | n.m. | n.m. | n.m. |
| **Total** | {{t\|15,157\|gbsnh9-ldbp}} | {{t\|16,713\|gbsnh9-fe65}} | {{t\|6.4\|gbsnh9-cvcl}} | {{t\|5.9\|gbsnh9-wq4i}} | {{t\|963\|gbsnh9-75sd}} | {{t\|991\|gbsnh9-7nwa}} |
**Life/Health new business build-up.**
| In EUR million | 4Q 22 | 4Q 23 |
| --- | --- | --- |
| **Value of new business** | {{t\|963\|gbsnh9-h042}} | {{t\|991\|gbsnh9-p5s3}} |
| Non-attributable expenses | {{t\|151\|gbsnh9-hhte}} | {{t\|147\|gbsnh9-985g}} |
| Scope / Other | {{t\|-261\|gbsnh9-gt89}} | {{t\|-57\|gbsnh9-qojn}} |
| **CSM@inception** | {{t\|853\|gbsnh9-lnin}} | {{t\|1,081\|gbsnh9-lkmd}} |" |
|---|
|
| id | "gbsnh9-c16" |
|---|
| chunk | 16 |
|---|
| pages | |
|---|
| heading | "L&H by Region YTD" |
|---|
| tags | |
|---|
| links | | "Insurance revenue" |
| "Underlying earnings" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Insurance revenue" |
| "Underlying earnings" |
|
|---|
| content | "**Life/Health business volume, revenue, profit, and contractual service margin by region. (Internal growth (46))**
| In EUR million | Total business volume (45) 12M 22 EUR mn | Total business volume (45) 12M 23 EUR mn | Total business volume (45) 12M 23 % | {{t\|Insurance revenue\|\|Insurance revenue}} 12M 22 EUR mn | {{t\|Insurance revenue\|\|Insurance revenue}} 12M 23 EUR mn | {{t\|Operating profit\|\|Underlying earnings}} (loss) 12M 22 EUR mn | {{t\|Operating profit\|\|Underlying earnings}} (loss) 12M 23 EUR mn | Contractual service margin 31.12.2022 EUR mn | Contractual service margin 31.12.2023 EUR mn |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Germany Life | {{t\|22,061\|gbsnh9-27jz}} | {{t\|21,915\|gbsnh9-jmbz}} | {{t\|-0.7\|gbsnh9-xkba}} | {{t\|6,105\|gbsnh9-3k8l}} | {{t\|5,485\|gbsnh9-59yo}} | {{t\|1,125\|gbsnh9-zjd0}} | {{t\|1,079\|gbsnh9-t40c}} | {{t\|16,370\|gbsnh9-1ram}} | {{t\|16,213\|gbsnh9-4u8n}} |
| Germany Health | {{t\|3,990\|gbsnh9-8fiy}} | {{t\|4,150\|gbsnh9-i5nx}} | {{t\|4.0\|gbsnh9-ej9s}} | {{t\|3,955\|gbsnh9-qs6i}} | {{t\|4,108\|gbsnh9-9vbl}} | {{t\|208\|gbsnh9-o2pa}} | {{t\|210\|gbsnh9-4nrn}} | {{t\|5,768\|gbsnh9-r3lp}} | {{t\|6,337\|gbsnh9-2hfa}} |
| Switzerland | {{t\|1,631\|gbsnh9-0yq9}} | {{t\|1,700\|gbsnh9-qf61}} | {{t\|0.4\|gbsnh9-ev3t}} | {{t\|539\|gbsnh9-oypj}} | {{t\|491\|gbsnh9-nz9y}} | {{t\|109\|gbsnh9-64no}} | {{t\|116\|gbsnh9-t69t}} | {{t\|1,668\|gbsnh9-s4k3}} | {{t\|1,799\|gbsnh9-uym4}} |
| Central & Eastern Europe | {{t\|2,165\|gbsnh9-exqo}} | {{t\|2,106\|gbsnh9-u2kj}} | {{t\|-0.2\|gbsnh9-r1s8}} | {{t\|1,069\|gbsnh9-ozcp}} | {{t\|963\|gbsnh9-wxjn}} | {{t\|452\|gbsnh9-x03x}} | {{t\|454\|gbsnh9-iwqr}} | {{t\|1,665\|gbsnh9-r2jy}} | {{t\|1,921\|gbsnh9-3j0s}} |
| **German Speaking Countries and Central & Eastern Europe** | {{t\|29,847\|gbsnh9-a96y}} | {{t\|29,872\|gbsnh9-rgmy}} | {{t\|0.1\|gbsnh9-d05g}} | {{t\|11,669\|gbsnh9-og0f}} | {{t\|11,047\|gbsnh9-nf4i}} | {{t\|1,895\|gbsnh9-2jm1}} | {{t\|1,859\|gbsnh9-5j9l}} | {{t\|25,471\|gbsnh9-x80n}} | {{t\|26,270\|gbsnh9-vqcm}} |
| Italy | {{t\|11,133\|gbsnh9-43xl}} | {{t\|11,229\|gbsnh9-hwah}} | {{t\|0.9\|gbsnh9-1vph}} | {{t\|1,064\|gbsnh9-sc38}} | {{t\|1,172\|gbsnh9-mfl7}} | {{t\|512\|gbsnh9-jt2w}} | {{t\|559\|gbsnh9-20dg}} | {{t\|2,894\|gbsnh9-6d55}} | {{t\|3,260\|gbsnh9-qd4q}} |
| France | {{t\|7,240\|gbsnh9-3yo7}} | {{t\|7,167\|gbsnh9-u5bw}} | {{t\|-1.0\|gbsnh9-9952}} | {{t\|3,907\|gbsnh9-zkh3}} | {{t\|4,023\|gbsnh9-42is}} | {{t\|553\|gbsnh9-shsa}} | {{t\|658\|gbsnh9-nzbc}} | {{t\|4,872\|gbsnh9-ft63}} | {{t\|4,585\|gbsnh9-z2h9}} |
| Benelux | {{t\|1,869\|gbsnh9-8gec}} | {{t\|2,023\|gbsnh9-ku7v}} | {{t\|8.2\|gbsnh9-9oou}} | {{t\|369\|gbsnh9-cbjr}} | {{t\|371\|gbsnh9-ix7a}} | {{t\|163\|gbsnh9-hqh5}} | {{t\|157\|gbsnh9-lf7m}} | {{t\|887\|gbsnh9-xc9u}} | {{t\|866\|gbsnh9-bjuj}} |
| Türkiye | {{t\|706\|gbsnh9-23tl}} | {{t\|852\|gbsnh9-1rfs}} | {{t\|96.9\|gbsnh9-7hit}} | {{t\|83\|gbsnh9-k8bt}} | {{t\|94\|gbsnh9-3lpf}} | {{t\|87\|gbsnh9-tg42}} | {{t\|110\|gbsnh9-d0p8}} | {{t\|64\|gbsnh9-kycw}} | {{t\|82\|gbsnh9-u3yk}} |
| Greece | {{t\|118\|gbsnh9-tde1}} | {{t\|171\|gbsnh9-0zgm}} | {{t\|15.7\|gbsnh9-m1ss}} | {{t\|76\|gbsnh9-3jtl}} | {{t\|142\|gbsnh9-9pnm}} | {{t\|-20\|gbsnh9-jc63}} | {{t\|2\|gbsnh9-6mqn}} | {{t\|6\|gbsnh9-spsj}} | {{t\|47\|gbsnh9-sia0}} |
| **Western & Southern Europe** | {{t\|21,065\|gbsnh9-7dpn}} | {{t\|21,442\|gbsnh9-umj1}} | {{t\|4.2\|gbsnh9-x77f}} | {{t\|5,499\|gbsnh9-5xyx}} | {{t\|5,802\|gbsnh9-wrp0}} | {{t\|1,295\|gbsnh9-avn8}} | {{t\|1,487\|gbsnh9-8sja}} | {{t\|8,723\|gbsnh9-n02s}} | {{t\|8,841\|gbsnh9-53ge}} |
| **Asia-Pacific** | {{t\|6,603\|gbsnh9-z1tt}} | {{t\|5,872\|gbsnh9-vxy2}} | {{t\|-5.7\|gbsnh9-ec1h}} | {{t\|2,041\|gbsnh9-9hqc}} | {{t\|2,224\|gbsnh9-wni9}} | {{t\|436\|gbsnh9-q1g9}} | {{t\|589\|gbsnh9-0wed}} | {{t\|4,159\|gbsnh9-m47e}} | {{t\|4,666\|gbsnh9-9p4l}} |
| **USA** | {{t\|15,417\|gbsnh9-kumh}} | {{t\|18,310\|gbsnh9-01hp}} | {{t\|22.2\|gbsnh9-l9c9}} | {{t\|2,567\|gbsnh9-bth2}} | {{t\|2,291\|gbsnh9-8ng1}} | {{t\|399\|gbsnh9-f6mz}} | {{t\|1,088\|gbsnh9-rxpw}} | {{t\|12,086\|gbsnh9-ngqz}} | {{t\|11,705\|gbsnh9-zt16}} |
| Reinsurance L/H | {{t\|841\|gbsnh9-1qpy}} | {{t\|934\|gbsnh9-arim}} | {{t\|13.1\|gbsnh9-1tas}} | {{t\|740\|gbsnh9-ii5r}} | {{t\|767\|gbsnh9-e618}} | {{t\|71\|gbsnh9-tf70}} | {{t\|37\|gbsnh9-jqdh}} | {{t\|692\|gbsnh9-4fxp}} | {{t\|697\|gbsnh9-fyvn}} |
| Spain | {{t\|377\|gbsnh9-4aux}} | {{t\|436\|gbsnh9-27uy}} | {{t\|15.5\|gbsnh9-fzho}} | {{t\|312\|gbsnh9-kjd5}} | {{t\|290\|gbsnh9-02c5}} | {{t\|61\|gbsnh9-d3p1}} | {{t\|59\|gbsnh9-tty3}} | {{t\|540\|gbsnh9-rvxt}} | {{t\|440\|gbsnh9-1vgr}} |
| Portugal | {{t\|145\|gbsnh9-slsk}} | {{t\|119\|gbsnh9-0xej}} | {{t\|-17.7\|gbsnh9-a2mm}} | {{t\|88\|gbsnh9-5re8}} | {{t\|81\|gbsnh9-pifq}} | {{t\|17\|gbsnh9-a3pp}} | {{t\|19\|gbsnh9-93j2}} | {{t\|1\|gbsnh9-h3ex}} | {{t\|1\|gbsnh9-g1te}} |
| Latin America | {{t\|678\|gbsnh9-xnpa}} | {{t\|814\|gbsnh9-53gs}} | {{t\|9.5\|gbsnh9-fa31}} | {{t\|174\|gbsnh9-cy26}} | {{t\|118\|gbsnh9-qu19}} | {{t\|41\|gbsnh9-darc}} | {{t\|76\|gbsnh9-8lpe}} | {{t\|727\|gbsnh9-zf39}} | {{t\|116\|gbsnh9-99ln}} |
| Africa | {{t\|149\|gbsnh9-qufj}} | {{t\|92\|gbsnh9-0y0s}} | {{t\|-0.4\|gbsnh9-bzh6}} | {{t\|48\|gbsnh9-2kou}} | {{t\|67\|gbsnh9-b068}} | {{t\|-2\|gbsnh9-w82b}} | {{t\|-4\|gbsnh9-wntv}} | {{t\|0\|gbsnh9-5h64}} | {{t\|0\|gbsnh9-io9h}} |
| Middle East | {{t\|371\|gbsnh9-htcn}} | {{t\|187\|gbsnh9-frx4}} | {{t\|8.2\|gbsnh9-y64i}} | {{t\|188\|gbsnh9-uh09}} | {{t\|112\|gbsnh9-j9ig}} | {{t\|56\|gbsnh9-yuqw}} | {{t\|30\|gbsnh9-10sh}} | {{t\|0\|gbsnh9-6u40}} | {{t\|0\|gbsnh9-e4fc}} |
| **Global Insurance Lines & Anglo Markets, Iberia & Latin America, Middle East and Africa** | {{t\|2,561\|gbsnh9-1tpf}} | {{t\|2,582\|gbsnh9-1z4k}} | {{t\|9.5\|gbsnh9-e86w}} | {{t\|1,550\|gbsnh9-gcho}} | {{t\|1,436\|gbsnh9-uzd7}} | {{t\|245\|gbsnh9-nd65}} | {{t\|218\|gbsnh9-5zbz}} | {{t\|1,960\|gbsnh9-c6xm}} | {{t\|1,254\|gbsnh9-rrzm}} |
| Consolidation and Other (47) | {{t\|-236\|gbsnh9-rlch}} | {{t\|-200\|gbsnh9-7380}} | n.m. | {{t\|-213\|gbsnh9-yof9}} | {{t\|-219\|gbsnh9-7u5b}} | {{t\|-51\|gbsnh9-o4nv}} | {{t\|-49\|gbsnh9-42rz}} | {{t\|-173\|gbsnh9-ben3}} | {{t\|-136\|gbsnh9-mo2a}} |
| **Total** | {{t\|75,258\|gbsnh9-lfdi}} | {{t\|77,878\|gbsnh9-mtaw}} | {{t\|5.6\|gbsnh9-m5kq}} | {{t\|23,114\|gbsnh9-frmw}} | {{t\|22,580\|gbsnh9-onmp}} | {{t\|4,218\|gbsnh9-l689}} | {{t\|5,191\|gbsnh9-avtw}} | {{t\|52,227\|gbsnh9-la4y}} | {{t\|52,601\|gbsnh9-x51c}} |
(45) Total business volume comprises statutory gross premiums.
(46) This reflects the growth of total business volume on an internal basis, adjusted for foreign currency translation and (de-)consolidation effects.
(47) Includes small entities and elimination of transactions between Allianz Group entities in different geographic regions." |
|---|
|
| id | "gbsnh9-c17" |
|---|
| chunk | 17 |
|---|
| pages | |
|---|
| heading | "L&H by Region QTD" |
|---|
| tags | |
|---|
| links | | "Insurance revenue" |
| "Underlying earnings" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Insurance revenue" |
| "Underlying earnings" |
|
|---|
| content | "**Life/Health business volume, revenue, profit, and contractual service margin by region. (Internal growth (49))**
| In EUR million | Total business volume (48) 4Q 22 EUR mn | Total business volume (48) 4Q 23 EUR mn | Total business volume (48) 4Q 23 % | {{t\|Insurance revenue\|\|Insurance revenue}} 4Q 22 EUR mn | {{t\|Insurance revenue\|\|Insurance revenue}} 4Q 23 EUR mn | {{t\|Operating profit\|\|Underlying earnings}} (loss) 4Q 22 EUR mn | {{t\|Operating profit\|\|Underlying earnings}} (loss) 4Q 23 EUR mn | Contractual service margin 31.12.2022 EUR mn | Contractual service margin 31.12.2023 EUR mn |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Germany Life | {{t\|5,295\|gbsnh9-oimz}} | {{t\|5,160\|gbsnh9-u7at}} | {{t\|-2.5\|gbsnh9-tx1v}} | {{t\|1,609\|gbsnh9-ive0}} | {{t\|1,551\|gbsnh9-fkdk}} | {{t\|296\|gbsnh9-tytr}} | {{t\|289\|gbsnh9-o5so}} | {{t\|16,370\|gbsnh9-ou5m}} | {{t\|16,213\|gbsnh9-bich}} |
| Germany Health | {{t\|993\|gbsnh9-rf7j}} | {{t\|1,041\|gbsnh9-8bsb}} | {{t\|4.8\|gbsnh9-e8ka}} | {{t\|1,002\|gbsnh9-4d9p}} | {{t\|1,049\|gbsnh9-3ef8}} | {{t\|39\|gbsnh9-0pqj}} | {{t\|66\|gbsnh9-xd9x}} | {{t\|5,768\|gbsnh9-bxpv}} | {{t\|6,337\|gbsnh9-yuof}} |
| Switzerland | {{t\|263\|gbsnh9-wbqq}} | {{t\|288\|gbsnh9-nj60}} | {{t\|6.2\|gbsnh9-qc38}} | {{t\|139\|gbsnh9-zw80}} | {{t\|128\|gbsnh9-3ln2}} | {{t\|25\|gbsnh9-nvlm}} | {{t\|32\|gbsnh9-w45o}} | {{t\|1,668\|gbsnh9-dkzl}} | {{t\|1,799\|gbsnh9-ysr4}} |
| Central & Eastern Europe | {{t\|543\|gbsnh9-qekh}} | {{t\|546\|gbsnh9-1eai}} | {{t\|3.5\|gbsnh9-klm9}} | {{t\|275\|gbsnh9-mn29}} | {{t\|247\|gbsnh9-q2hu}} | {{t\|121\|gbsnh9-tngy}} | {{t\|97\|gbsnh9-mq6s}} | {{t\|1,665\|gbsnh9-9eww}} | {{t\|1,921\|gbsnh9-h5qb}} |
| **German Speaking Countries and Central & Eastern Europe** | {{t\|7,094\|gbsnh9-tbv0}} | {{t\|7,035\|gbsnh9-7jn1}} | {{t\|-0.7\|gbsnh9-clys}} | {{t\|3,025\|gbsnh9-61uv}} | {{t\|2,976\|gbsnh9-59uc}} | {{t\|481\|gbsnh9-warm}} | {{t\|484\|gbsnh9-wauw}} | {{t\|25,471\|gbsnh9-ql54}} | {{t\|26,270\|gbsnh9-lfyj}} |
| Italy | {{t\|2,765\|gbsnh9-gp1t}} | {{t\|3,380\|gbsnh9-yolc}} | {{t\|22.2\|gbsnh9-kzhg}} | {{t\|268\|gbsnh9-bdu8}} | {{t\|313\|gbsnh9-facz}} | {{t\|131\|gbsnh9-lwnj}} | {{t\|169\|gbsnh9-6ud3}} | {{t\|2,894\|gbsnh9-i2tc}} | {{t\|3,260\|gbsnh9-8er6}} |
| France | {{t\|1,955\|gbsnh9-vwj4}} | {{t\|2,001\|gbsnh9-dmbq}} | {{t\|2.3\|gbsnh9-qozh}} | {{t\|983\|gbsnh9-vdwu}} | {{t\|977\|gbsnh9-r9vf}} | {{t\|73\|gbsnh9-eyja}} | {{t\|133\|gbsnh9-7hjy}} | {{t\|4,872\|gbsnh9-9792}} | {{t\|4,585\|gbsnh9-cq6h}} |
| Benelux | {{t\|491\|gbsnh9-dxu3}} | {{t\|554\|gbsnh9-2eai}} | {{t\|12.8\|gbsnh9-z3gc}} | {{t\|92\|gbsnh9-v89c}} | {{t\|103\|gbsnh9-znvs}} | {{t\|37\|gbsnh9-g5xe}} | {{t\|54\|gbsnh9-47lw}} | {{t\|887\|gbsnh9-0608}} | {{t\|866\|gbsnh9-pvcu}} |
| Türkiye | {{t\|250\|gbsnh9-eeuj}} | {{t\|213\|gbsnh9-go5j}} | {{t\|46.7\|gbsnh9-0m6b}} | {{t\|15\|gbsnh9-4ghe}} | {{t\|24\|gbsnh9-d09a}} | {{t\|18\|gbsnh9-srjw}} | {{t\|26\|gbsnh9-okob}} | {{t\|64\|gbsnh9-89re}} | {{t\|82\|gbsnh9-cwuc}} |
| Greece | {{t\|44\|gbsnh9-xlna}} | {{t\|49\|gbsnh9-n794}} | {{t\|13.6\|gbsnh9-dsjw}} | {{t\|26\|gbsnh9-v2y2}} | {{t\|44\|gbsnh9-l33d}} | {{t\|-9\|gbsnh9-pq2w}} | {{t\|-1\|gbsnh9-8c9n}} | {{t\|6\|gbsnh9-dxpv}} | {{t\|47\|gbsnh9-b7bm}} |
| **Western & Southern Europe** | {{t\|5,505\|gbsnh9-vvcq}} | {{t\|6,198\|gbsnh9-t46v}} | {{t\|15.4\|gbsnh9-euty}} | {{t\|1,382\|gbsnh9-uw8p}} | {{t\|1,460\|gbsnh9-ccw6}} | {{t\|249\|gbsnh9-eo1p}} | {{t\|380\|gbsnh9-x9sv}} | {{t\|8,723\|gbsnh9-054k}} | {{t\|8,841\|gbsnh9-259l}} |
| **Asia-Pacific** | {{t\|1,349\|gbsnh9-ajqx}} | {{t\|1,434\|gbsnh9-5f3n}} | {{t\|12.6\|gbsnh9-4i1k}} | {{t\|534\|gbsnh9-jocg}} | {{t\|578\|gbsnh9-penn}} | {{t\|38\|gbsnh9-ssow}} | {{t\|141\|gbsnh9-wdsi}} | {{t\|4,159\|gbsnh9-643y}} | {{t\|4,666\|gbsnh9-aj4z}} |
| **USA** | {{t\|3,892\|gbsnh9-17g0}} | {{t\|4,600\|gbsnh9-siar}} | {{t\|24.5\|gbsnh9-tuij}} | {{t\|652\|gbsnh9-rxic}} | {{t\|545\|gbsnh9-0opw}} | {{t\|154\|gbsnh9-t3ol}} | {{t\|299\|gbsnh9-dp20}} | {{t\|12,086\|gbsnh9-jwau}} | {{t\|11,705\|gbsnh9-chv4}} |
| Reinsurance L/H | {{t\|213\|gbsnh9-n1fn}} | {{t\|258\|gbsnh9-oadj}} | {{t\|29.4\|gbsnh9-viz5}} | {{t\|239\|gbsnh9-jg5o}} | {{t\|238\|gbsnh9-fbzu}} | {{t\|127\|gbsnh9-sf57}} | {{t\|15\|gbsnh9-f0av}} | {{t\|692\|gbsnh9-798r}} | {{t\|697\|gbsnh9-gpds}} |
| Spain | {{t\|99\|gbsnh9-du2p}} | {{t\|178\|gbsnh9-my6h}} | {{t\|79.6\|gbsnh9-dkxw}} | {{t\|88\|gbsnh9-js6u}} | {{t\|69\|gbsnh9-6mt8}} | {{t\|3\|gbsnh9-dfwg}} | {{t\|21\|gbsnh9-wbqy}} | {{t\|540\|gbsnh9-dkud}} | {{t\|440\|gbsnh9-8mze}} |
| Portugal | {{t\|42\|gbsnh9-9w2y}} | {{t\|47\|gbsnh9-qnis}} | {{t\|11.7\|gbsnh9-ydqk}} | {{t\|21\|gbsnh9-at8j}} | {{t\|20\|gbsnh9-7io0}} | {{t\|8\|gbsnh9-faye}} | {{t\|5\|gbsnh9-e974}} | {{t\|1\|gbsnh9-04af}} | {{t\|1\|gbsnh9-vo7c}} |
| Latin America | {{t\|181\|gbsnh9-mohk}} | {{t\|263\|gbsnh9-r515}} | {{t\|36.7\|gbsnh9-l8uy}} | {{t\|43\|gbsnh9-1ncc}} | {{t\|35\|gbsnh9-2bpz}} | {{t\|0\|gbsnh9-2i99}} | {{t\|24\|gbsnh9-8eyj}} | {{t\|727\|gbsnh9-oi5b}} | {{t\|116\|gbsnh9-7am4}} |
| Africa | {{t\|41\|gbsnh9-ioez}} | {{t\|0\|gbsnh9-hhbi}} | n.a. | {{t\|37\|gbsnh9-pes9}} | {{t\|0\|gbsnh9-lqys}} | {{t\|-1\|gbsnh9-f12a}} | {{t\|0\|gbsnh9-p2an}} | {{t\|0\|gbsnh9-r42k}} | {{t\|0\|gbsnh9-e4dj}} |
| Middle East | {{t\|103\|gbsnh9-fkum}} | {{t\|5\|gbsnh9-thjw}} | {{t\|-81.2\|gbsnh9-se6h}} | {{t\|50\|gbsnh9-1drs}} | {{t\|9\|gbsnh9-fxqo}} | {{t\|12\|gbsnh9-d23c}} | {{t\|-0\|gbsnh9-kia5}} | {{t\|0\|gbsnh9-90ew}} | {{t\|0\|gbsnh9-uz2v}} |
| **Global Insurance Lines & Anglo Markets, Iberia & Latin America, Middle East and Africa** | {{t\|679\|gbsnh9-ss57}} | {{t\|751\|gbsnh9-mhjp}} | {{t\|34.1\|gbsnh9-4we4}} | {{t\|477\|gbsnh9-bjbp}} | {{t\|369\|gbsnh9-5rlg}} | {{t\|149\|gbsnh9-nyxz}} | {{t\|64\|gbsnh9-nvvp}} | {{t\|1,960\|gbsnh9-da2o}} | {{t\|1,254\|gbsnh9-zm8u}} |
| Consolidation and Other (50) | {{t\|-47\|gbsnh9-k3c3}} | {{t\|-45\|gbsnh9-tcf2}} | n.m. | {{t\|-65\|gbsnh9-zbxl}} | {{t\|-76\|gbsnh9-lgx9}} | {{t\|-15\|gbsnh9-dxsv}} | {{t\|-6\|gbsnh9-vt3z}} | {{t\|-173\|gbsnh9-7b9v}} | {{t\|-136\|gbsnh9-xdit}} |
| **Total** | {{t\|18,472\|gbsnh9-7b5z}} | {{t\|19,973\|gbsnh9-frsd}} | {{t\|11.5\|gbsnh9-i239}} | {{t\|6,006\|gbsnh9-srfj}} | {{t\|5,853\|gbsnh9-2zep}} | {{t\|1,056\|gbsnh9-wkoo}} | {{t\|1,362\|gbsnh9-b7yp}} | {{t\|52,227\|gbsnh9-xncf}} | {{t\|52,601\|gbsnh9-sbtq}} |
(48) Total business volume comprises statutory gross premiums.
(49) This reflects the growth of total business volume on an internal basis, adjusted for foreign currency translation and (de-)consolidation effects.
(50) Includes small entities and elimination of transactions between Allianz Group entities in different geographic regions." |
|---|
|
| id | "gbsnh9-c18" |
|---|
| chunk | 18 |
|---|
| pages | |
|---|
| heading | "L&H Details YTD" |
|---|
| tags | |
|---|
| links | | "Net investment income" |
| "Underlying earnings" |
| "Insurance revenue" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Insurance revenue" |
| "Net investment income" |
| "Underlying earnings" |
|
|---|
| content | "**Life/Health operating profit build-up by product type. (12M 23)**
| In EUR million | Life/Health segment | Capital-efficient products | Unit-linked without guarantees | Protection & health | Guaranteed savings & annuities |
| --- | --- | --- | --- | --- | --- |
| Release CSM | {{t\|4,967\|gbsnh9-rcz3}} | {{t\|1,405\|gbsnh9-3zsa}} | {{t\|575\|gbsnh9-n0fg}} | {{t\|1,561\|gbsnh9-141j}} | {{t\|1,426\|gbsnh9-klve}} |
| Release risk adjustment | {{t\|512\|gbsnh9-o32f}} | {{t\|100\|gbsnh9-p90m}} | {{t\|62\|gbsnh9-z3w0}} | {{t\|234\|gbsnh9-z1jr}} | {{t\|116\|gbsnh9-3kic}} |
| Variances from claims and expenses (51) | {{t\|-380\|gbsnh9-yntp}} | {{t\|-37\|gbsnh9-iqwp}} | {{t\|-36\|gbsnh9-wto2}} | {{t\|-245\|gbsnh9-htsy}} | {{t\|-63\|gbsnh9-hrwu}} |
| Losses on onerous contracts | {{t\|-17\|gbsnh9-413w}} | {{t\|12\|gbsnh9-owu1}} | {{t\|-4\|gbsnh9-hspp}} | {{t\|-14\|gbsnh9-3vu3}} | {{t\|-10\|gbsnh9-fnke}} |
| Non-attributable expenses | {{t\|-1,067\|gbsnh9-6acz}} | {{t\|-251\|gbsnh9-6p69}} | {{t\|-87\|gbsnh9-ccvb}} | {{t\|-315\|gbsnh9-ev0r}} | {{t\|-415\|gbsnh9-1iu0}} |
| Operating {{t\|investment result\|\|Net investment income}} | {{t\|890\|gbsnh9-ki93}} | {{t\|268\|gbsnh9-hyg9}} | {{t\|72\|gbsnh9-ya6z}} | {{t\|91\|gbsnh9-9j1a}} | {{t\|459\|gbsnh9-nil3}} |
| Other {{t\|operating result\|\|Underlying earnings}} | {{t\|288\|gbsnh9-r5rd}} | {{t\|64\|gbsnh9-dwff}} | {{t\|188\|gbsnh9-kpzh}} | {{t\|-4\|gbsnh9-97wc}} | {{t\|40\|gbsnh9-flfi}} |
| {{t\|Operating profit\|\|Underlying earnings}} | {{t\|5,191\|gbsnh9-5jqi}} | {{t\|1,562\|gbsnh9-8hl5}} | {{t\|770\|gbsnh9-b322}} | {{t\|1,307\|gbsnh9-qcf1}} | {{t\|1,553\|gbsnh9-6yzq}} |
| Total business volume (52) | {{t\|77,878\|gbsnh9-zmsw}} | {{t\|33,330\|gbsnh9-7yag}} | {{t\|16,044\|gbsnh9-m2wx}} | {{t\|14,856\|gbsnh9-k5z3}} | {{t\|13,648\|gbsnh9-sno8}} |
| {{t\|Insurance revenue\|\|Insurance revenue}} | {{t\|22,580\|gbsnh9-kq8q}} | {{t\|2,965\|gbsnh9-kh9l}} | {{t\|1,545\|gbsnh9-pbaj}} | {{t\|12,467\|gbsnh9-32h9}} | {{t\|5,603\|gbsnh9-85mh}} |
| **Contractual service margin (gross)** | {{t\|52,601\|gbsnh9-z4qn}} | {{t\|15,674\|gbsnh9-lx81}} | {{t\|5,376\|gbsnh9-dyds}} | {{t\|16,307\|gbsnh9-kpm6}} | {{t\|15,244\|gbsnh9-km5z}} |
| PVFCF (53) | {{t\|614,573\|gbsnh9-rlmh}} | {{t\|207,537\|gbsnh9-fczb}} | {{t\|74,033\|gbsnh9-4r44}} | {{t\|44,579\|gbsnh9-l2t6}} | {{t\|288,425\|gbsnh9-s0qc}} |
| **Present value of new business premiums** | {{t\|67,281\|gbsnh9-9tv9}} | {{t\|30,702\|gbsnh9-f71m}} | {{t\|16,806\|gbsnh9-a2r8}} | {{t\|14,496\|gbsnh9-i1lx}} | {{t\|5,277\|gbsnh9-59ca}} |
| **New business margin (in %)** | {{t\|5.9\|gbsnh9-mt1d}} | {{t\|5.8\|gbsnh9-pqzq}} | {{t\|4.4\|gbsnh9-1zsi}} | {{t\|8.0\|gbsnh9-pwmf}} | {{t\|5.8\|gbsnh9-5xxh}} |
| **Value of new business** | {{t\|3,985\|gbsnh9-0h5a}} | {{t\|1,775\|gbsnh9-ll7y}} | {{t\|743\|gbsnh9-5ud3}} | {{t\|1,161\|gbsnh9-l4ht}} | {{t\|306\|gbsnh9-9lgt}} |
(51) Including reinsurance result.
(52) Total business volume comprises statutory gross premiums.
(53) Refers to liability for remaining coverage (LRC)." |
|---|
|
| id | "gbsnh9-c19" |
|---|
| chunk | 19 |
|---|
| pages | |
|---|
| heading | "L&H Details QTD" |
|---|
| tags | |
|---|
| links | | "Net investment income" |
| "Underlying earnings" |
| "Insurance revenue" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Insurance revenue" |
| "Net investment income" |
| "Underlying earnings" |
|
|---|
| content | "**Life/Health operating profit build-up by product type. (4Q 23)**
| In EUR million | Life/Health segment | Capital-efficient products | Unit-linked without guarantees | Protection & health | Guaranteed savings & annuities |
| --- | --- | --- | --- | --- | --- |
| Release CSM | {{t\|1,254\|gbsnh9-72em}} | {{t\|312\|gbsnh9-jhab}} | {{t\|170\|gbsnh9-u52o}} | {{t\|465\|gbsnh9-als8}} | {{t\|306\|gbsnh9-6lzv}} |
| Release risk adjustment | {{t\|123\|gbsnh9-nyms}} | {{t\|27\|gbsnh9-qr9o}} | {{t\|15\|gbsnh9-rqs3}} | {{t\|55\|gbsnh9-tqfj}} | {{t\|27\|gbsnh9-4s1l}} |
| Variances from claims and expenses (54) | {{t\|-100\|gbsnh9-29c2}} | {{t\|15\|gbsnh9-6uo1}} | {{t\|-9\|gbsnh9-i8iy}} | {{t\|-89\|gbsnh9-ywj6}} | {{t\|-17\|gbsnh9-domr}} |
| Losses on onerous contracts | {{t\|-4\|gbsnh9-irro}} | {{t\|-0\|gbsnh9-s729}} | {{t\|-4\|gbsnh9-1wiv}} | {{t\|-1\|gbsnh9-puyg}} | {{t\|1\|gbsnh9-60aa}} |
| Non-attributable expenses | {{t\|-295\|gbsnh9-7q1e}} | {{t\|-69\|gbsnh9-z4hj}} | {{t\|-22\|gbsnh9-aw11}} | {{t\|-93\|gbsnh9-n4bk}} | {{t\|-111\|gbsnh9-xoio}} |
| Operating {{t\|investment result\|\|Net investment income}} | {{t\|299\|gbsnh9-ex5f}} | {{t\|186\|gbsnh9-jenm}} | {{t\|10\|gbsnh9-kcld}} | {{t\|-1\|gbsnh9-03z1}} | {{t\|103\|gbsnh9-icn6}} |
| Other {{t\|operating result\|\|Underlying earnings}} | {{t\|85\|gbsnh9-b3ix}} | {{t\|8\|gbsnh9-5na4}} | {{t\|51\|gbsnh9-dicm}} | {{t\|-6\|gbsnh9-82ji}} | {{t\|33\|gbsnh9-3j0l}} |
| {{t\|Operating profit\|\|Underlying earnings}} | {{t\|1,362\|gbsnh9-tnbz}} | {{t\|478\|gbsnh9-c1fl}} | {{t\|211\|gbsnh9-vhcf}} | {{t\|330\|gbsnh9-if2q}} | {{t\|342\|gbsnh9-x7mi}} |
| Total business volume (55) | {{t\|19,973\|gbsnh9-v76h}} | {{t\|8,489\|gbsnh9-o8j5}} | {{t\|4,156\|gbsnh9-7xbm}} | {{t\|3,762\|gbsnh9-9grh}} | {{t\|3,566\|gbsnh9-r9cs}} |
| {{t\|Insurance revenue\|\|Insurance revenue}} | {{t\|5,853\|gbsnh9-2lqs}} | {{t\|896\|gbsnh9-rf1y}} | {{t\|429\|gbsnh9-ekwd}} | {{t\|3,237\|gbsnh9-n5hr}} | {{t\|1,291\|gbsnh9-qolz}} |
| **Contractual service margin (gross)** | {{t\|52,601\|gbsnh9-qmaw}} | {{t\|15,674\|gbsnh9-hgw5}} | {{t\|5,376\|gbsnh9-be7l}} | {{t\|16,307\|gbsnh9-o0jj}} | {{t\|15,244\|gbsnh9-z6uo}} |
| PVFCF (56) | {{t\|614,573\|gbsnh9-fmx7}} | {{t\|207,537\|gbsnh9-2c4k}} | {{t\|74,033\|gbsnh9-pxmp}} | {{t\|44,579\|gbsnh9-jfek}} | {{t\|288,425\|gbsnh9-cfso}} |
| **Present value of new business premiums** | {{t\|16,713\|gbsnh9-rccg}} | {{t\|8,338\|gbsnh9-qw3j}} | {{t\|4,210\|gbsnh9-94qp}} | {{t\|2,642\|gbsnh9-nyud}} | {{t\|1,523\|gbsnh9-3p44}} |
| **New business margin (in %)** | {{t\|5.9\|gbsnh9-7rj7}} | {{t\|5.5\|gbsnh9-g3cw}} | {{t\|4.5\|gbsnh9-s0h4}} | {{t\|9.7\|gbsnh9-ro1q}} | {{t\|5.9\|gbsnh9-0arb}} |
| **Value of new business** | {{t\|991\|gbsnh9-6hyu}} | {{t\|457\|gbsnh9-a0fs}} | {{t\|188\|gbsnh9-cdfq}} | {{t\|256\|gbsnh9-yyrw}} | {{t\|90\|gbsnh9-jeif}} |
(54) Including reinsurance result.
(55) Total business volume comprises statutory gross premiums.
(56) Refers to liability for remaining coverage (LRC)." |
|---|
|
| id | "gbsnh9-c20" |
|---|
| chunk | 20 |
|---|
| pages | |
|---|
| heading | "Asset Management" |
|---|
| tags | |
|---|
| links | | "Underlying earnings" |
| "Assets under management" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Assets under management" |
| "Underlying earnings" |
|
|---|
| content | "**Asset Management income statement.**
| In EUR million | 1Q 22 | 2Q 22 | 3Q 22 | 4Q 22 | 2022 | 1Q 23 | 2Q 23 | 3Q 23 | 4Q 23 | 2023 | ∆ 2023 / 2022 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Net operating revenues — Net fee and commission income | {{t\|2,076\|gbsnh9-4s3u}} | {{t\|2,017\|gbsnh9-zhz3}} | {{t\|2,026\|gbsnh9-k5nb}} | {{t\|2,092\|gbsnh9-ts1w}} | {{t\|8,211\|gbsnh9-0inr}} | {{t\|1,875\|gbsnh9-5rzv}} | {{t\|1,857\|gbsnh9-xkys}} | {{t\|1,952\|gbsnh9-oq8h}} | {{t\|2,275\|gbsnh9-pouh}} | {{t\|7,960\|gbsnh9-8u8w}} | {{t\|-3.1%\|gbsnh9-wtot}} |
| Net operating revenues — thereof: Net fee and commission income excl. performance fees | {{t\|1,997\|gbsnh9-j62s}} | {{t\|1,966\|gbsnh9-h8ca}} | {{t\|1,970\|gbsnh9-6uoc}} | {{t\|1,804\|gbsnh9-50c3}} | {{t\|7,737\|gbsnh9-n9q3}} | {{t\|1,776\|gbsnh9-dtsa}} | {{t\|1,754\|gbsnh9-q3l4}} | {{t\|1,793\|gbsnh9-1zep}} | {{t\|1,818\|gbsnh9-5qcg}} | {{t\|7,142\|gbsnh9-0rlw}} | {{t\|-7.7%\|gbsnh9-mxvh}} |
| Net operating revenues — thereof: Performance fees | {{t\|80\|gbsnh9-c58v}} | {{t\|51\|gbsnh9-zl10}} | {{t\|55\|gbsnh9-4euv}} | {{t\|288\|gbsnh9-uwxg}} | {{t\|474\|gbsnh9-4dso}} | {{t\|99\|gbsnh9-2w70}} | {{t\|103\|gbsnh9-spia}} | {{t\|159\|gbsnh9-djs4}} | {{t\|457\|gbsnh9-dr57}} | {{t\|817\|gbsnh9-aoyg}} | {{t\|72.4%\|gbsnh9-tyat}} |
| Net operating revenues — Other operating revenues | {{t\|-9\|gbsnh9-kc57}} | {{t\|-1\|gbsnh9-hpba}} | {{t\|27\|gbsnh9-rx0v}} | {{t\|6\|gbsnh9-bwk8}} | {{t\|23\|gbsnh9-rkmh}} | {{t\|25\|gbsnh9-4lx0}} | {{t\|20\|gbsnh9-zvnj}} | {{t\|46\|gbsnh9-t8w2}} | {{t\|34\|gbsnh9-zo7p}} | {{t\|126\|gbsnh9-2g4v}} | n.m. |
| **Net operating revenues — Subtotal** | {{t\|2,067\|gbsnh9-o0q0}} | {{t\|2,016\|gbsnh9-x6q8}} | {{t\|2,053\|gbsnh9-jsi1}} | {{t\|2,098\|gbsnh9-lacb}} | {{t\|8,234\|gbsnh9-t834}} | {{t\|1,900\|gbsnh9-4d9y}} | {{t\|1,877\|gbsnh9-v9ca}} | {{t\|1,998\|gbsnh9-ukne}} | {{t\|2,310\|gbsnh9-qokx}} | {{t\|8,086\|gbsnh9-u5mk}} | {{t\|-1.8%\|gbsnh9-iyb9}} |
| **Net operating revenues — Operating expenses** | {{t\|-1,235\|gbsnh9-vhu2}} | {{t\|-1,243\|gbsnh9-lfho}} | {{t\|-1,266\|gbsnh9-ehup}} | {{t\|-1,292\|gbsnh9-3aed}} | {{t\|-5,036\|gbsnh9-5u7m}} | {{t\|-1,178\|gbsnh9-js2j}} | {{t\|-1,174\|gbsnh9-jmjl}} | {{t\|-1,210\|gbsnh9-fg2m}} | {{t\|-1,398\|gbsnh9-4erl}} | {{t\|-4,959\|gbsnh9-0f9q}} | {{t\|-1.5%\|gbsnh9-hj9o}} |
| Net operating revenues — {{t\|Operating profit\|\|Underlying earnings}} (57) | {{t\|832\|gbsnh9-cvzl}} | {{t\|773\|gbsnh9-nt2j}} | {{t\|787\|gbsnh9-0myw}} | {{t\|805\|gbsnh9-99cd}} | {{t\|3,198\|gbsnh9-071s}} | {{t\|723\|gbsnh9-a3i0}} | {{t\|703\|gbsnh9-bayq}} | {{t\|788\|gbsnh9-vfpd}} | {{t\|912\|gbsnh9-3zie}} | {{t\|3,126\|gbsnh9-ral1}} | {{t\|-2.2%\|gbsnh9-e36b}} |
| Net operating revenues — thereof: PIMCO | {{t\|631\|gbsnh9-46l4}} | {{t\|581\|gbsnh9-9385}} | {{t\|615\|gbsnh9-ocxz}} | {{t\|637\|gbsnh9-ovf7}} | {{t\|2,464\|gbsnh9-vp9w}} | {{t\|561\|gbsnh9-yqw3}} | {{t\|547\|gbsnh9-ej1t}} | {{t\|624\|gbsnh9-cxhs}} | {{t\|720\|gbsnh9-o0mx}} | {{t\|2,453\|gbsnh9-5j1l}} | {{t\|-0.5%\|gbsnh9-zfn6}} |
| Net operating revenues — thereof: AllianzGI | {{t\|210\|gbsnh9-h0m0}} | {{t\|198\|gbsnh9-d6b6}} | {{t\|178\|gbsnh9-odm5}} | {{t\|169\|gbsnh9-3y2d}} | {{t\|755\|gbsnh9-lsdu}} | {{t\|165\|gbsnh9-7z0j}} | {{t\|156\|gbsnh9-ydq9}} | {{t\|166\|gbsnh9-xi5y}} | {{t\|181\|gbsnh9-ehcn}} | {{t\|667\|gbsnh9-caka}} | {{t\|-11.7%\|gbsnh9-aryn}} |
| Non-operating items — Realized gains/losses (net) | {{t\|-3\|gbsnh9-mk1e}} | {{t\|0\|gbsnh9-evab}} | {{t\|456\|gbsnh9-g4c6}} | {{t\|-3\|gbsnh9-6d7v}} | {{t\|450\|gbsnh9-i29y}} | {{t\|-1\|gbsnh9-h2mk}} | {{t\|1\|gbsnh9-3dvo}} | {{t\|1\|gbsnh9-4zm5}} | {{t\|2\|gbsnh9-3pa5}} | {{t\|4\|gbsnh9-s5i3}} | {{t\|-99.2%\|gbsnh9-4uu6}} |
| Non-operating items — Expected credit loss and impairments (net) | {{t\|-0\|gbsnh9-xanw}} | {{t\|-1\|gbsnh9-zhls}} | {{t\|-1\|gbsnh9-5yvs}} | {{t\|-3\|gbsnh9-bkq0}} | {{t\|-5\|gbsnh9-dw5g}} | {{t\|-0\|gbsnh9-ms14}} | {{t\|-1\|gbsnh9-12ki}} | {{t\|-1\|gbsnh9-mowj}} | {{t\|-1\|gbsnh9-6nh0}} | {{t\|-3\|gbsnh9-lwl9}} | {{t\|-42.7%\|gbsnh9-t25g}} |
| Non-operating items — Result from assets and liabilities measured at fair value incl. derivatives | {{t\|-1\|gbsnh9-p2aw}} | {{t\|-3\|gbsnh9-90ah}} | {{t\|4\|gbsnh9-5w0n}} | {{t\|-2\|gbsnh9-65k2}} | {{t\|-2\|gbsnh9-654k}} | {{t\|4\|gbsnh9-ku3s}} | {{t\|3\|gbsnh9-i2j5}} | {{t\|0\|gbsnh9-si2c}} | {{t\|6\|gbsnh9-ci0w}} | {{t\|13\|gbsnh9-jc8q}} | n.m. |
| Non-operating items — thereof: Non-operating market movements | {{t\|-1\|gbsnh9-zbmh}} | {{t\|-3\|gbsnh9-9sti}} | {{t\|4\|gbsnh9-n31l}} | {{t\|-2\|gbsnh9-5vs1}} | {{t\|-2\|gbsnh9-ujvc}} | {{t\|4\|gbsnh9-e716}} | {{t\|3\|gbsnh9-hueo}} | {{t\|0\|gbsnh9-5jov}} | {{t\|6\|gbsnh9-xva1}} | {{t\|13\|gbsnh9-bttp}} | n.m. |
| Non-operating items — Restructuring and integration expenses | {{t\|-7\|gbsnh9-zz6o}} | {{t\|-142\|gbsnh9-i138}} | {{t\|-24\|gbsnh9-xlyv}} | {{t\|-16\|gbsnh9-3qtv}} | {{t\|-189\|gbsnh9-hhqe}} | {{t\|-3\|gbsnh9-xf16}} | {{t\|2\|gbsnh9-uhea}} | {{t\|-4\|gbsnh9-coov}} | {{t\|-22\|gbsnh9-gmrh}} | {{t\|-26\|gbsnh9-v5yc}} | {{t\|-86.1%\|gbsnh9-zobj}} |
| Non-operating items — Amortization of intangible assets | {{t\|-4\|gbsnh9-0qfv}} | {{t\|-4\|gbsnh9-5eei}} | {{t\|-4\|gbsnh9-jq6w}} | {{t\|-5\|gbsnh9-i5gv}} | {{t\|-17\|gbsnh9-k14c}} | {{t\|-5\|gbsnh9-p13s}} | {{t\|-3\|gbsnh9-cbm5}} | {{t\|-4\|gbsnh9-vjkx}} | {{t\|-4\|gbsnh9-lfqn}} | {{t\|-15\|gbsnh9-v5g3}} | {{t\|-12.3%\|gbsnh9-en9b}} |
| Non-operating items — thereof: Amortization of intangible assets from business combinations | {{t\|-1\|gbsnh9-4f2c}} | {{t\|-1\|gbsnh9-6lge}} | {{t\|-1\|gbsnh9-ufjj}} | {{t\|-1\|gbsnh9-a91y}} | {{t\|-4\|gbsnh9-0tb9}} | {{t\|-0\|gbsnh9-gc2l}} | {{t\|-0\|gbsnh9-a9q7}} | {{t\|-0\|gbsnh9-j6bs}} | {{t\|-0\|gbsnh9-qqwe}} | {{t\|-2\|gbsnh9-ut1x}} | {{t\|-56.3%\|gbsnh9-qjc1}} |
| Non-operating items — Other (58) | {{t\|-1,851\|gbsnh9-iuo6}} | {{t\|-0\|gbsnh9-51s8}} | {{t\|1\|gbsnh9-udgo}} | {{t\|-5\|gbsnh9-uwj5}} | {{t\|-1,856\|gbsnh9-yuxf}} | {{t\|-2\|gbsnh9-651r}} | {{t\|-8\|gbsnh9-0ntn}} | {{t\|3\|gbsnh9-alvw}} | {{t\|73\|gbsnh9-ci2s}} | {{t\|66\|gbsnh9-uvqw}} | n.m. |
| **Non-operating items — Subtotal** | {{t\|-1,866\|gbsnh9-8nac}} | {{t\|-150\|gbsnh9-g82u}} | {{t\|432\|gbsnh9-8294}} | {{t\|-35\|gbsnh9-5cth}} | {{t\|-1,619\|gbsnh9-ry9z}} | {{t\|-6\|gbsnh9-80wf}} | {{t\|-5\|gbsnh9-183p}} | {{t\|-3\|gbsnh9-znxr}} | {{t\|54\|gbsnh9-3bxc}} | {{t\|39\|gbsnh9-zl1h}} | n.m. |
| **Non-operating items — Income (loss) before income taxes** | {{t\|-1,034\|gbsnh9-ep6b}} | {{t\|623\|gbsnh9-rrg7}} | {{t\|1,219\|gbsnh9-f3vi}} | {{t\|770\|gbsnh9-8dmj}} | {{t\|1,578\|gbsnh9-8nhy}} | {{t\|716\|gbsnh9-z2vj}} | {{t\|698\|gbsnh9-dvk8}} | {{t\|785\|gbsnh9-054y}} | {{t\|966\|gbsnh9-uxt0}} | {{t\|3,165\|gbsnh9-82yz}} | {{t\|100.5%\|gbsnh9-lzfz}} |
| Non-operating items — Income taxes | {{t\|54\|gbsnh9-85e1}} | {{t\|-151\|gbsnh9-pvau}} | {{t\|-346\|gbsnh9-cyai}} | {{t\|-200\|gbsnh9-prt8}} | {{t\|-644\|gbsnh9-pr8u}} | {{t\|-182\|gbsnh9-jccj}} | {{t\|-179\|gbsnh9-pwmh}} | {{t\|-191\|gbsnh9-98gh}} | {{t\|-261\|gbsnh9-ajk8}} | {{t\|-812\|gbsnh9-r9yn}} | {{t\|26.2%\|gbsnh9-rc61}} |
| **Non-operating items — Net income (loss)** | {{t\|-980\|gbsnh9-ghrr}} | {{t\|471\|gbsnh9-k7iz}} | {{t\|873\|gbsnh9-yqvs}} | {{t\|571\|gbsnh9-tcad}} | {{t\|935\|gbsnh9-vt03}} | {{t\|535\|gbsnh9-lzn2}} | {{t\|519\|gbsnh9-mowa}} | {{t\|594\|gbsnh9-6dfe}} | {{t\|706\|gbsnh9-og0y}} | {{t\|2,353\|gbsnh9-rs52}} | {{t\|151.7%\|gbsnh9-y3po}} |
| Net income (loss) attributable to: — Non-controlling interests | {{t\|46\|gbsnh9-jkmu}} | {{t\|42\|gbsnh9-1x96}} | {{t\|45\|gbsnh9-5na2}} | {{t\|47\|gbsnh9-tv50}} | {{t\|180\|gbsnh9-d1iz}} | {{t\|44\|gbsnh9-7lmq}} | {{t\|44\|gbsnh9-eu6f}} | {{t\|50\|gbsnh9-5w0l}} | {{t\|57\|gbsnh9-vi2v}} | {{t\|195\|gbsnh9-lz2w}} | {{t\|8.0%\|gbsnh9-m6z2}} |
| **Net income (loss) attributable to: — Shareholders** | {{t\|-1,026\|gbsnh9-tzbq}} | {{t\|429\|gbsnh9-aeeh}} | {{t\|828\|gbsnh9-cwml}} | {{t\|524\|gbsnh9-vnj8}} | {{t\|755\|gbsnh9-47d0}} | {{t\|491\|gbsnh9-zzor}} | {{t\|475\|gbsnh9-9ffo}} | {{t\|544\|gbsnh9-ri48}} | {{t\|649\|gbsnh9-r33p}} | {{t\|2,158\|gbsnh9-ipr8}} | {{t\|186.0%\|gbsnh9-tn0p}} |
| **Net income (loss) attributable to: — Income (loss) before income taxes** | {{t\|-1,034\|gbsnh9-dg97}} | {{t\|623\|gbsnh9-4hbb}} | {{t\|1,219\|gbsnh9-zntk}} | {{t\|770\|gbsnh9-out4}} | {{t\|1,578\|gbsnh9-v9vt}} | {{t\|716\|gbsnh9-b9hk}} | {{t\|698\|gbsnh9-jgo6}} | {{t\|785\|gbsnh9-ozjs}} | {{t\|966\|gbsnh9-t0u5}} | {{t\|3,165\|gbsnh9-vfge}} | {{t\|100.5%\|gbsnh9-wyb4}} |
| Net income (loss) attributable to: — Adjustment for non-operating market movements | {{t\|1\|gbsnh9-nub0}} | {{t\|3\|gbsnh9-sjvp}} | {{t\|-4\|gbsnh9-b7vb}} | {{t\|2\|gbsnh9-rson}} | {{t\|2\|gbsnh9-be0a}} | {{t\|-4\|gbsnh9-9cic}} | {{t\|-3\|gbsnh9-tssz}} | {{t\|-0\|gbsnh9-yn7a}} | {{t\|-6\|gbsnh9-7f83}} | {{t\|-13\|gbsnh9-80ek}} | n.m. |
| Net income (loss) attributable to: — Adjustment for amortization of intangible assets from business combinations | {{t\|1\|gbsnh9-h242}} | {{t\|1\|gbsnh9-rhq8}} | {{t\|1\|gbsnh9-ygy0}} | {{t\|1\|gbsnh9-w0cc}} | {{t\|4\|gbsnh9-7mwy}} | {{t\|0\|gbsnh9-eukg}} | {{t\|0\|gbsnh9-4t2v}} | {{t\|0\|gbsnh9-5q5h}} | {{t\|0\|gbsnh9-x3wm}} | {{t\|2\|gbsnh9-3lh9}} | {{t\|-56.3%\|gbsnh9-2xlj}} |
| **Net income (loss) attributable to: — Core income (loss) before income taxes** | {{t\|-1,031\|gbsnh9-o1yi}} | {{t\|626\|gbsnh9-uwv3}} | {{t\|1,216\|gbsnh9-oju7}} | {{t\|774\|gbsnh9-d5hx}} | {{t\|1,585\|gbsnh9-3wzr}} | {{t\|713\|gbsnh9-lsbb}} | {{t\|696\|gbsnh9-vvmq}} | {{t\|785\|gbsnh9-70e7}} | {{t\|960\|gbsnh9-v00e}} | {{t\|3,154\|gbsnh9-nshq}} | {{t\|99.0%\|gbsnh9-75dn}} |
| Net income (loss) attributable to: — Income taxes related to core income (loss) | {{t\|53\|gbsnh9-r9tl}} | {{t\|-152\|gbsnh9-4wfo}} | {{t\|-346\|gbsnh9-srhb}} | {{t\|-201\|gbsnh9-enz2}} | {{t\|-646\|gbsnh9-n0gt}} | {{t\|-181\|gbsnh9-bcxd}} | {{t\|-178\|gbsnh9-79si}} | {{t\|-191\|gbsnh9-p5k5}} | {{t\|-259\|gbsnh9-9tc4}} | {{t\|-809\|gbsnh9-knlh}} | {{t\|25.3%\|gbsnh9-ojko}} |
| **Net income (loss) attributable to: — Core net income (loss)** | {{t\|-978\|gbsnh9-dn3o}} | {{t\|475\|gbsnh9-y30y}} | {{t\|870\|gbsnh9-mpsk}} | {{t\|573\|gbsnh9-m0xj}} | {{t\|939\|gbsnh9-z47b}} | {{t\|532\|gbsnh9-78sa}} | {{t\|518\|gbsnh9-lb0n}} | {{t\|594\|gbsnh9-cunk}} | {{t\|701\|gbsnh9-6bty}} | {{t\|2,345\|gbsnh9-blan}} | {{t\|149.7%\|gbsnh9-ylp0}} |
| **Net income (loss) attributable to: — thereof: Shareholders' core net income (loss)** | {{t\|-1,024\|gbsnh9-bp4m}} | {{t\|432\|gbsnh9-l1k4}} | {{t\|825\|gbsnh9-5m4x}} | {{t\|526\|gbsnh9-o7lv}} | {{t\|759\|gbsnh9-cl4w}} | {{t\|488\|gbsnh9-gqav}} | {{t\|473\|gbsnh9-axa9}} | {{t\|544\|gbsnh9-utnc}} | {{t\|645\|gbsnh9-2gzg}} | {{t\|2,150\|gbsnh9-x3vw}} | {{t\|183.3%\|gbsnh9-tpbu}} |
| **Net income (loss) attributable to: — Cost-income ratio (in %)** | {{t\|59.7\|gbsnh9-06ux}} | {{t\|61.7\|gbsnh9-1wwu}} | {{t\|61.6\|gbsnh9-777j}} | {{t\|61.6\|gbsnh9-1xxp}} | {{t\|61.2\|gbsnh9-7gn4}} | {{t\|62.0\|gbsnh9-r93o}} | {{t\|62.5\|gbsnh9-w4xt}} | {{t\|60.5\|gbsnh9-45io}} | {{t\|60.5\|gbsnh9-l2nv}} | {{t\|61.3\|gbsnh9-oe61}} | 0.2%-p |
| Net income (loss) attributable to: — thereof: PIMCO | {{t\|57.7\|gbsnh9-uw9a}} | {{t\|60.5\|gbsnh9-4s63}} | {{t\|59.4\|gbsnh9-269n}} | {{t\|59.8\|gbsnh9-pee3}} | {{t\|59.4\|gbsnh9-nsgw}} | {{t\|59.9\|gbsnh9-99wt}} | {{t\|61.0\|gbsnh9-mwxt}} | {{t\|58.4\|gbsnh9-qa4h}} | {{t\|59.0\|gbsnh9-hx7f}} | {{t\|59.5\|gbsnh9-p724}} | 0.2%-p |
| Net income (loss) attributable to: — thereof: AllianzGI | {{t\|63.7\|gbsnh9-7y3c}} | {{t\|63.8\|gbsnh9-19us}} | {{t\|66.6\|gbsnh9-y3t6}} | {{t\|66.9\|gbsnh9-z2u2}} | {{t\|65.2\|gbsnh9-aimg}} | {{t\|67.0\|gbsnh9-i9si}} | {{t\|66.6\|gbsnh9-ah6g}} | {{t\|66.1\|gbsnh9-ox9k}} | {{t\|66.9\|gbsnh9-ugwn}} | {{t\|66.7\|gbsnh9-knho}} | 1.5%-p |
| Net income (loss) attributable to: — 3rd party AuM margin(59) (in bps) | {{t\|38.2\|gbsnh9-5dlt}} | {{t\|39.2\|gbsnh9-d3w9}} | {{t\|40.2\|gbsnh9-dhqe}} | {{t\|39.4\|gbsnh9-w4hb}} | {{t\|39.2\|gbsnh9-4ec9}} | {{t\|38.8\|gbsnh9-21tv}} | {{t\|38.6\|gbsnh9-vt3g}} | {{t\|38.9\|gbsnh9-mlb9}} | {{t\|39.2\|gbsnh9-mfh7}} | {{t\|38.9\|gbsnh9-3bk9}} | {{t\|-0.9%\|gbsnh9-4ebv}} |
| Net income (loss) attributable to: — thereof: PIMCO | {{t\|36.1\|gbsnh9-j1iy}} | {{t\|37.4\|gbsnh9-71lj}} | {{t\|38.8\|gbsnh9-seja}} | {{t\|38.4\|gbsnh9-1k28}} | {{t\|37.6\|gbsnh9-zi6h}} | {{t\|37.6\|gbsnh9-2qv9}} | {{t\|37.8\|gbsnh9-821b}} | {{t\|37.9\|gbsnh9-47kw}} | {{t\|38.1\|gbsnh9-6do6}} | {{t\|37.8\|gbsnh9-mjrr}} | {{t\|0.7%\|gbsnh9-b5fd}} |
| Net income (loss) attributable to: — thereof: AllianzGI | {{t\|45.2\|gbsnh9-8eoy}} | {{t\|45.7\|gbsnh9-jmth}} | {{t\|45.8\|gbsnh9-fixx}} | {{t\|43.6\|gbsnh9-di45}} | {{t\|45.1\|gbsnh9-4k6i}} | {{t\|43.5\|gbsnh9-amu7}} | {{t\|41.4\|gbsnh9-xaot}} | {{t\|42.3\|gbsnh9-yj7b}} | {{t\|43.6\|gbsnh9-cbet}} | {{t\|42.7\|gbsnh9-cu6f}} | {{t\|-5.5%\|gbsnh9-l7t9}} |
| Net income (loss) attributable to: — Core return on equity(60) (in %) | {{t\|8.7\|gbsnh9-4yr7}} | {{t\|8.7\|gbsnh9-333j}} | {{t\|8.7\|gbsnh9-wdwb}} | {{t\|8.7\|gbsnh9-biob}} | {{t\|8.7\|gbsnh9-ed7q}} | {{t\|21.3\|gbsnh9-uo6r}} | {{t\|21.3\|gbsnh9-xci5}} | {{t\|21.3\|gbsnh9-2mdg}} | {{t\|21.3\|gbsnh9-tmf8}} | {{t\|21.3\|gbsnh9-s3fd}} | 12.6%-p |
**Asset Management assets under management and net flows by segment.**
| In EUR billion | 1Q 22 | 2Q 22 | 3Q 22 | 4Q 22 | 2022 | 1Q 23 | 2Q 23 | 3Q 23 | 4Q 23 | 2023 | ∆ 31.12.2023 / 31.12.2022 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| {{t\|Assets under management\|\|Assets under management}} | {{t\|2,478\|gbsnh9-6nhl}} | {{t\|2,319\|gbsnh9-z9y7}} | {{t\|2,246\|gbsnh9-ct9q}} | {{t\|2,141\|gbsnh9-o0n9}} | {{t\|2,141\|gbsnh9-zcmv}} | {{t\|2,174\|gbsnh9-sxkk}} | {{t\|2,163\|gbsnh9-w0vu}} | {{t\|2,162\|gbsnh9-18xi}} | {{t\|2,224\|gbsnh9-x983}} | {{t\|2,224\|gbsnh9-lkv7}} | {{t\|3.8%\|gbsnh9-514n}} |
| Allianz Group {{t\|assets under management\|\|Assets under management}} | {{t\|600\|gbsnh9-6pf0}} | {{t\|550\|gbsnh9-jdim}} | {{t\|520\|gbsnh9-umsn}} | {{t\|506\|gbsnh9-i07f}} | {{t\|506\|gbsnh9-01bs}} | {{t\|506\|gbsnh9-h2xa}} | {{t\|500\|gbsnh9-ftzx}} | {{t\|491\|gbsnh9-lv84}} | {{t\|511\|gbsnh9-3siv}} | {{t\|511\|gbsnh9-p521}} | {{t\|1.0%\|gbsnh9-8r31}} |
| Third-party {{t\|assets under management\|\|Assets under management}} | {{t\|1,878\|gbsnh9-ngxc}} | {{t\|1,769\|gbsnh9-864k}} | {{t\|1,726\|gbsnh9-lnzk}} | {{t\|1,635\|gbsnh9-5vg0}} | {{t\|1,635\|gbsnh9-zzlu}} | {{t\|1,668\|gbsnh9-efce}} | {{t\|1,662\|gbsnh9-16jv}} | {{t\|1,670\|gbsnh9-xniv}} | {{t\|1,712\|gbsnh9-tn74}} | {{t\|1,712\|gbsnh9-9vio}} | {{t\|4.7%\|gbsnh9-tzsu}} |
| thereof: PIMCO | {{t\|1,447\|gbsnh9-zw5n}} | {{t\|1,386\|gbsnh9-fmyo}} | {{t\|1,382\|gbsnh9-1f9e}} | {{t\|1,295\|gbsnh9-agin}} | {{t\|1,295\|gbsnh9-5s09}} | {{t\|1,318\|gbsnh9-dw4h}} | {{t\|1,308\|gbsnh9-lv48}} | {{t\|1,320\|gbsnh9-y522}} | {{t\|1,346\|gbsnh9-xzkq}} | {{t\|1,346\|gbsnh9-591w}} | {{t\|3.9%\|gbsnh9-u5t5}} |
| thereof: AllianzGI | {{t\|430\|gbsnh9-1p1l}} | {{t\|383\|gbsnh9-u1c6}} | {{t\|344\|gbsnh9-j85d}} | {{t\|340\|gbsnh9-85jy}} | {{t\|340\|gbsnh9-a10g}} | {{t\|350\|gbsnh9-rk9g}} | {{t\|355\|gbsnh9-1e07}} | {{t\|350\|gbsnh9-ybqo}} | {{t\|366\|gbsnh9-2vok}} | {{t\|366\|gbsnh9-stqh}} | {{t\|7.7%\|gbsnh9-gtsd}} |
| **Third-party net flows** | {{t\|-9\|gbsnh9-hy8y}} | {{t\|-34\|gbsnh9-zpkg}} | {{t\|-20\|gbsnh9-8eqm}} | {{t\|-19\|gbsnh9-i3xs}} | {{t\|-81\|gbsnh9-od5p}} | {{t\|15\|gbsnh9-wvvj}} | {{t\|3\|gbsnh9-uku1}} | {{t\|11\|gbsnh9-9ivi}} | {{t\|-7\|gbsnh9-qb2v}} | {{t\|22\|gbsnh9-tpcd}} | n.m. |
| thereof: PIMCO | {{t\|-14\|gbsnh9-650b}} | {{t\|-29\|gbsnh9-hyjd}} | {{t\|-15\|gbsnh9-xldl}} | {{t\|-18\|gbsnh9-yr1e}} | {{t\|-75\|gbsnh9-33dt}} | {{t\|14\|gbsnh9-b0l4}} | {{t\|4\|gbsnh9-v66n}} | {{t\|10\|gbsnh9-pk99}} | {{t\|-3\|gbsnh9-qmtg}} | {{t\|24\|gbsnh9-8wh2}} | n.m. |
| thereof: AllianzGI | {{t\|5\|gbsnh9-i65q}} | {{t\|-5\|gbsnh9-4jh0}} | {{t\|-5\|gbsnh9-jshy}} | {{t\|-1\|gbsnh9-a083}} | {{t\|-6\|gbsnh9-c20m}} | {{t\|1\|gbsnh9-p2kx}} | {{t\|-1\|gbsnh9-nhb7}} | {{t\|1\|gbsnh9-88ar}} | {{t\|-3\|gbsnh9-ubiu}} | {{t\|-3\|gbsnh9-ehx8}} | {{t\|-54.0%\|gbsnh9-ey5t}} |
(57) Includes operating result from PIMCO, AllianzGI and other entities.
(58) Includes, if applicable, acquisition-related expenses, income taxes related incidental benefits/expenses, litigation expenses and one-time effects from significant reinsurance transactions with disposal character.
(59) Excluding performance fees and other income.
(60) For prior year and current year periods the core return on equity for the respective full year is shown. From 9M 23, the core return on equity calculation for segments was amended due to the alignment of the calculation methodology across business segments and with the Allianz Group. Comparative periods have been adjusted." |
|---|
|
| id | "gbsnh9-c21" |
|---|
| chunk | 21 |
|---|
| pages | |
|---|
| heading | "Corporate and Other" |
|---|
| tags | |
|---|
| links | | "Net investment income" |
| "Underlying earnings" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Net investment income" |
| "Underlying earnings" |
|
|---|
| content | "**Corporate and other income build-up.**
| In EUR million | 1Q 22 | 2Q 22 | 3Q 22 | 4Q 22 | 2022 | 1Q 23 | 2Q 23 | 3Q 23 | 4Q 23 | 2023 | ∆ 2023 / 2022 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Operating {{t\|net investment income\|\|Net investment income}}, excluding interest expenses from external debt | {{t\|32\|gbsnh9-ge6p}} | {{t\|169\|gbsnh9-5axi}} | {{t\|149\|gbsnh9-tsnn}} | {{t\|86\|gbsnh9-8b9k}} | {{t\|436\|gbsnh9-7kq9}} | {{t\|44\|gbsnh9-26mh}} | {{t\|157\|gbsnh9-etlp}} | {{t\|131\|gbsnh9-4jsp}} | {{t\|134\|gbsnh9-fgng}} | {{t\|467\|gbsnh9-esvs}} | {{t\|7.1%\|gbsnh9-ofqw}} |
| Finance income (expenses) from insurance contracts issued (net) | {{t\|0\|gbsnh9-k87v}} | {{t\|-0\|gbsnh9-qo72}} | {{t\|0\|gbsnh9-34ep}} | {{t\|0\|gbsnh9-h78a}} | {{t\|0\|gbsnh9-zhgt}} | {{t\|0\|gbsnh9-kjjx}} | {{t\|0\|gbsnh9-igeb}} | {{t\|0\|gbsnh9-7bjm}} | {{t\|0\|gbsnh9-b4qe}} | {{t\|0\|gbsnh9-eped}} | n.m. |
| Finance income (expenses) from reinsurance contracts held (net) | {{t\|0\|gbsnh9-0acu}} | {{t\|0\|gbsnh9-yuth}} | {{t\|0\|gbsnh9-7ncl}} | {{t\|0\|gbsnh9-xz99}} | {{t\|0\|gbsnh9-5fh4}} | {{t\|0\|gbsnh9-ug36}} | {{t\|0\|gbsnh9-q5tn}} | {{t\|0\|gbsnh9-mjhc}} | {{t\|0\|gbsnh9-ikrm}} | {{t\|0\|gbsnh9-cn37}} | n.m. |
| Operating {{t\|investment result\|\|Net investment income}} | {{t\|32\|gbsnh9-xlab}} | {{t\|169\|gbsnh9-3ror}} | {{t\|149\|gbsnh9-q91m}} | {{t\|86\|gbsnh9-i38b}} | {{t\|436\|gbsnh9-hh79}} | {{t\|44\|gbsnh9-f4mv}} | {{t\|157\|gbsnh9-0cgw}} | {{t\|131\|gbsnh9-y0sc}} | {{t\|134\|gbsnh9-uawc}} | {{t\|467\|gbsnh9-hdlt}} | {{t\|7.1%\|gbsnh9-m9a9}} |
| Operating administrative expenses | {{t\|-306\|gbsnh9-ti3h}} | {{t\|-299\|gbsnh9-j25i}} | {{t\|-287\|gbsnh9-wtiq}} | {{t\|-390\|gbsnh9-7g34}} | {{t\|-1,282\|gbsnh9-zvb1}} | {{t\|-302\|gbsnh9-xeya}} | {{t\|-302\|gbsnh9-gx91}} | {{t\|-271\|gbsnh9-xb93}} | {{t\|-415\|gbsnh9-xgox}} | {{t\|-1,289\|gbsnh9-koud}} | {{t\|0.6%\|gbsnh9-9gtc}} |
| Operating fee and commission result | {{t\|73\|gbsnh9-r6tg}} | {{t\|66\|gbsnh9-cyjg}} | {{t\|80\|gbsnh9-geap}} | {{t\|89\|gbsnh9-vof7}} | {{t\|307\|gbsnh9-079w}} | {{t\|82\|gbsnh9-u5f2}} | {{t\|34\|gbsnh9-rtkx}} | {{t\|68\|gbsnh9-uiir}} | {{t\|166\|gbsnh9-cb4c}} | {{t\|349\|gbsnh9-1fq5}} | {{t\|13.8%\|gbsnh9-0lp6}} |
| Operating other result | {{t\|0\|gbsnh9-97d1}} | {{t\|0\|gbsnh9-04xz}} | {{t\|-0\|gbsnh9-k9un}} | {{t\|0\|gbsnh9-8use}} | {{t\|0\|gbsnh9-hiuu}} | {{t\|0\|gbsnh9-mtk5}} | {{t\|-0\|gbsnh9-vp8i}} | {{t\|0\|gbsnh9-d4mn}} | {{t\|-0\|gbsnh9-66h7}} | {{t\|0\|gbsnh9-4sk6}} | n.m. |
| {{t\|Operating profit\|\|Underlying earnings}} | {{t\|-201\|gbsnh9-raoy}} | {{t\|-65\|gbsnh9-ca8h}} | {{t\|-59\|gbsnh9-t0o3}} | {{t\|-216\|gbsnh9-s5qn}} | {{t\|-540\|gbsnh9-0x86}} | {{t\|-176\|gbsnh9-8cud}} | {{t\|-111\|gbsnh9-x9vk}} | {{t\|-71\|gbsnh9-h3ym}} | {{t\|-115\|gbsnh9-hzz8}} | {{t\|-474\|gbsnh9-pvfu}} | {{t\|-12.3%\|gbsnh9-sgvo}} |
| Non-operating items — Realized gains/losses (net) | {{t\|179\|gbsnh9-oo5p}} | {{t\|-19\|gbsnh9-clv8}} | {{t\|-10\|gbsnh9-nloi}} | {{t\|12\|gbsnh9-3at5}} | {{t\|161\|gbsnh9-neny}} | {{t\|-12\|gbsnh9-h3ca}} | {{t\|-14\|gbsnh9-kqqh}} | {{t\|-5\|gbsnh9-2uut}} | {{t\|-20\|gbsnh9-5hgk}} | {{t\|-50\|gbsnh9-k9dp}} | n.m. |
| Non-operating items — Expected credit loss and impairments (net) | {{t\|-15\|gbsnh9-84eq}} | {{t\|-29\|gbsnh9-iueq}} | {{t\|28\|gbsnh9-9ihm}} | {{t\|1\|gbsnh9-3ld2}} | {{t\|-15\|gbsnh9-u5kn}} | {{t\|-23\|gbsnh9-2xx1}} | {{t\|-18\|gbsnh9-dfqy}} | {{t\|-6\|gbsnh9-d023}} | {{t\|-17\|gbsnh9-qolg}} | {{t\|-64\|gbsnh9-blr9}} | n.m. |
| Non-operating items — Result from assets and liabilities measured at fair value incl. derivatives | {{t\|235\|gbsnh9-f3ph}} | {{t\|42\|gbsnh9-zu9n}} | {{t\|-126\|gbsnh9-ai87}} | {{t\|-407\|gbsnh9-vqwj}} | {{t\|-257\|gbsnh9-6v4x}} | {{t\|-177\|gbsnh9-8rud}} | {{t\|-164\|gbsnh9-vr23}} | {{t\|-63\|gbsnh9-aj91}} | {{t\|-269\|gbsnh9-a5z4}} | {{t\|-673\|gbsnh9-h7dk}} | {{t\|162.2%\|gbsnh9-3msn}} |
| Non-operating items — thereof: Non-operating market movements | {{t\|262\|gbsnh9-spko}} | {{t\|36\|gbsnh9-ui8c}} | {{t\|-110\|gbsnh9-b6jo}} | {{t\|-278\|gbsnh9-gvd4}} | {{t\|-90\|gbsnh9-0si6}} | {{t\|-160\|gbsnh9-yhch}} | {{t\|-135\|gbsnh9-rqoc}} | {{t\|-29\|gbsnh9-b7v7}} | {{t\|-230\|gbsnh9-gdtv}} | {{t\|-553\|gbsnh9-p54f}} | n.m. |
| Non-operating items — Interest expenses from external debt | {{t\|-132\|gbsnh9-g6f8}} | {{t\|-132\|gbsnh9-ptmo}} | {{t\|-151\|gbsnh9-u0n3}} | {{t\|-145\|gbsnh9-fo9j}} | {{t\|-561\|gbsnh9-m0v2}} | {{t\|-142\|gbsnh9-5obm}} | {{t\|-150\|gbsnh9-4zxc}} | {{t\|-165\|gbsnh9-0tqe}} | {{t\|-175\|gbsnh9-isnz}} | {{t\|-631\|gbsnh9-9rbw}} | {{t\|12.5%\|gbsnh9-aa6s}} |
| Non-operating items — Restructuring and integration expenses | {{t\|-41\|gbsnh9-000j}} | {{t\|-6\|gbsnh9-7iku}} | {{t\|-14\|gbsnh9-s12w}} | {{t\|-16\|gbsnh9-xzba}} | {{t\|-77\|gbsnh9-lwxf}} | {{t\|-3\|gbsnh9-yaqj}} | {{t\|-9\|gbsnh9-a8w3}} | {{t\|-2\|gbsnh9-4y8g}} | {{t\|-147\|gbsnh9-tzl1}} | {{t\|-160\|gbsnh9-mvn4}} | {{t\|107.9%\|gbsnh9-byjt}} |
| Non-operating items — Amortization of intangible assets | {{t\|-5\|gbsnh9-gsef}} | {{t\|-3\|gbsnh9-yxic}} | {{t\|-3\|gbsnh9-kuaw}} | {{t\|-3\|gbsnh9-sm9i}} | {{t\|-15\|gbsnh9-tfg7}} | {{t\|-5\|gbsnh9-3296}} | {{t\|-5\|gbsnh9-cmx8}} | {{t\|-5\|gbsnh9-zppd}} | {{t\|-5\|gbsnh9-kvy9}} | {{t\|-19\|gbsnh9-llzz}} | {{t\|28.3%\|gbsnh9-bmmw}} |
| Non-operating items — thereof: Amortization of intangible assets from business combinations | {{t\|-3\|gbsnh9-dm0j}} | {{t\|-1\|gbsnh9-i2nd}} | {{t\|-1\|gbsnh9-u2sp}} | {{t\|-1\|gbsnh9-ythy}} | {{t\|-7\|gbsnh9-x71q}} | {{t\|-3\|gbsnh9-p5hb}} | {{t\|-3\|gbsnh9-d24u}} | {{t\|-3\|gbsnh9-613z}} | {{t\|-3\|gbsnh9-9y0p}} | {{t\|-11\|gbsnh9-hm7g}} | {{t\|61.6%\|gbsnh9-j9q9}} |
| Non-operating items — Other | {{t\|-0\|gbsnh9-1emm}} | {{t\|-1\|gbsnh9-d1up}} | {{t\|-4\|gbsnh9-jypd}} | {{t\|-26\|gbsnh9-pv4h}} | {{t\|-30\|gbsnh9-e1un}} | {{t\|-7\|gbsnh9-9cny}} | {{t\|-5\|gbsnh9-15ng}} | {{t\|-2\|gbsnh9-5vsv}} | {{t\|12\|gbsnh9-4fli}} | {{t\|-2\|gbsnh9-7gc7}} | {{t\|-93.2%\|gbsnh9-knws}} |
| **Non-operating items — Subtotal** | {{t\|220\|gbsnh9-a2h2}} | {{t\|-148\|gbsnh9-kjil}} | {{t\|-281\|gbsnh9-rozt}} | {{t\|-585\|gbsnh9-5grf}} | {{t\|-794\|gbsnh9-y7q5}} | {{t\|-368\|gbsnh9-4rfx}} | {{t\|-363\|gbsnh9-rk46}} | {{t\|-247\|gbsnh9-33yb}} | {{t\|-620\|gbsnh9-1jzm}} | {{t\|-1,599\|gbsnh9-zsfc}} | {{t\|101.3%\|gbsnh9-uqcu}} |
| **Non-operating items — Income (loss) before income taxes** | {{t\|19\|gbsnh9-m60w}} | {{t\|-213\|gbsnh9-zbjq}} | {{t\|-340\|gbsnh9-6yox}} | {{t\|-801\|gbsnh9-pipw}} | {{t\|-1,334\|gbsnh9-m5o2}} | {{t\|-544\|gbsnh9-ci1w}} | {{t\|-474\|gbsnh9-dyk6}} | {{t\|-319\|gbsnh9-7bmr}} | {{t\|-736\|gbsnh9-bty2}} | {{t\|-2,073\|gbsnh9-5u4x}} | {{t\|55.3%\|gbsnh9-3n6a}} |
| Non-operating items — Income taxes | {{t\|40\|gbsnh9-9adu}} | {{t\|177\|gbsnh9-867e}} | {{t\|120\|gbsnh9-mnns}} | {{t\|156\|gbsnh9-endx}} | {{t\|492\|gbsnh9-0009}} | {{t\|145\|gbsnh9-nkf7}} | {{t\|226\|gbsnh9-ullf}} | {{t\|112\|gbsnh9-jayn}} | {{t\|205\|gbsnh9-g1fx}} | {{t\|688\|gbsnh9-2z6x}} | {{t\|39.7%\|gbsnh9-d7w2}} |
| **Non-operating items — Net income (loss)** | {{t\|59\|gbsnh9-k6k9}} | {{t\|-36\|gbsnh9-a5uv}} | {{t\|-220\|gbsnh9-6592}} | {{t\|-645\|gbsnh9-yy17}} | {{t\|-842\|gbsnh9-3b2i}} | {{t\|-398\|gbsnh9-fbon}} | {{t\|-249\|gbsnh9-r7v6}} | {{t\|-207\|gbsnh9-pl78}} | {{t\|-531\|gbsnh9-dbj0}} | {{t\|-1,385\|gbsnh9-hfca}} | {{t\|64.4%\|gbsnh9-fm00}} |
| Net income (loss) attributable to: — Non-controlling interests | {{t\|9\|gbsnh9-htnz}} | {{t\|3\|gbsnh9-j9kw}} | {{t\|29\|gbsnh9-sctu}} | {{t\|-47\|gbsnh9-u1m6}} | {{t\|-7\|gbsnh9-kwg2}} | {{t\|-4\|gbsnh9-q6qe}} | {{t\|25\|gbsnh9-hnrf}} | {{t\|1\|gbsnh9-fvp9}} | {{t\|-45\|gbsnh9-l9jf}} | {{t\|-23\|gbsnh9-o4q9}} | {{t\|226.8%\|gbsnh9-ryjy}} |
| **Net income (loss) attributable to: — Shareholders** | {{t\|51\|gbsnh9-dgmf}} | {{t\|-39\|gbsnh9-isvc}} | {{t\|-249\|gbsnh9-lxn7}} | {{t\|-598\|gbsnh9-ux6r}} | {{t\|-835\|gbsnh9-46h7}} | {{t\|-394\|gbsnh9-1yk4}} | {{t\|-274\|gbsnh9-459t}} | {{t\|-208\|gbsnh9-hpfk}} | {{t\|-485\|gbsnh9-4tmq}} | {{t\|-1,361\|gbsnh9-grj7}} | {{t\|63.1%\|gbsnh9-fcmz}} |
| **Net income (loss) attributable to: — Income (loss) before income taxes** | {{t\|19\|gbsnh9-tovi}} | {{t\|-213\|gbsnh9-eciw}} | {{t\|-340\|gbsnh9-156g}} | {{t\|-801\|gbsnh9-qwi3}} | {{t\|-1,334\|gbsnh9-9wf7}} | {{t\|-544\|gbsnh9-wyki}} | {{t\|-474\|gbsnh9-xqwm}} | {{t\|-319\|gbsnh9-wprf}} | {{t\|-736\|gbsnh9-85od}} | {{t\|-2,073\|gbsnh9-jyav}} | {{t\|55.3%\|gbsnh9-1ye7}} |
| Net income (loss) attributable to: — Adjustment for non-operating market movements | {{t\|-262\|gbsnh9-42yd}} | {{t\|-36\|gbsnh9-8171}} | {{t\|110\|gbsnh9-w7w8}} | {{t\|278\|gbsnh9-tnkv}} | {{t\|90\|gbsnh9-9ggn}} | {{t\|160\|gbsnh9-p9vc}} | {{t\|135\|gbsnh9-p2y7}} | {{t\|29\|gbsnh9-b13k}} | {{t\|230\|gbsnh9-lnf4}} | {{t\|553\|gbsnh9-nvr6}} | n.m. |
| Net income (loss) attributable to: — Adjustment for amortization of intangible assets from business combinations | {{t\|3\|gbsnh9-4lgq}} | {{t\|1\|gbsnh9-exqg}} | {{t\|1\|gbsnh9-h6sl}} | {{t\|1\|gbsnh9-cr4v}} | {{t\|7\|gbsnh9-yy7r}} | {{t\|3\|gbsnh9-k4q4}} | {{t\|3\|gbsnh9-1406}} | {{t\|3\|gbsnh9-xv24}} | {{t\|3\|gbsnh9-csv8}} | {{t\|11\|gbsnh9-ju41}} | {{t\|61.6%\|gbsnh9-tp4v}} |
| **Net income (loss) attributable to: — Core income (loss) before income taxes** | {{t\|-239\|gbsnh9-d6yq}} | {{t\|-247\|gbsnh9-0wtr}} | {{t\|-229\|gbsnh9-k2gf}} | {{t\|-522\|gbsnh9-ecos}} | {{t\|-1,237\|gbsnh9-uhnk}} | {{t\|-381\|gbsnh9-mhbv}} | {{t\|-336\|gbsnh9-nu0x}} | {{t\|-288\|gbsnh9-bv2y}} | {{t\|-503\|gbsnh9-msy6}} | {{t\|-1,508\|gbsnh9-l11g}} | {{t\|21.9%\|gbsnh9-o6za}} |
| Net income (loss) attributable to: — Income taxes related to core income (loss) | {{t\|107\|gbsnh9-i75u}} | {{t\|214\|gbsnh9-wgsz}} | {{t\|64\|gbsnh9-f24x}} | {{t\|79\|gbsnh9-angg}} | {{t\|464\|gbsnh9-jkii}} | {{t\|101\|gbsnh9-rrax}} | {{t\|193\|gbsnh9-qt8r}} | {{t\|97\|gbsnh9-t20z}} | {{t\|180\|gbsnh9-ommu}} | {{t\|571\|gbsnh9-i0sx}} | {{t\|23.1%\|gbsnh9-eax6}} |
| **Net income (loss) attributable to: — Core net income (loss)** | {{t\|-133\|gbsnh9-qk30}} | {{t\|-33\|gbsnh9-g03k}} | {{t\|-164\|gbsnh9-2u2w}} | {{t\|-443\|gbsnh9-2s4b}} | {{t\|-773\|gbsnh9-qkew}} | {{t\|-280\|gbsnh9-ina0}} | {{t\|-143\|gbsnh9-goyr}} | {{t\|-190\|gbsnh9-vf42}} | {{t\|-323\|gbsnh9-hv8y}} | {{t\|-937\|gbsnh9-57o0}} | {{t\|21.1%\|gbsnh9-6n2t}} |
| **Net income (loss) attributable to: — thereof: Shareholders' core net income (loss)** | {{t\|-139\|gbsnh9-xj6g}} | {{t\|-40\|gbsnh9-jz93}} | {{t\|-196\|gbsnh9-ps5u}} | {{t\|-449\|gbsnh9-nl6c}} | {{t\|-824\|gbsnh9-erct}} | {{t\|-288\|gbsnh9-8aho}} | {{t\|-178\|gbsnh9-zokj}} | {{t\|-205\|gbsnh9-95x6}} | {{t\|-392\|gbsnh9-dqy7}} | {{t\|-1,062\|gbsnh9-49wu}} | {{t\|28.9%\|gbsnh9-7xnu}} |" |
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|
| id | "gbsnh9-c22" |
|---|
| chunk | 22 |
|---|
| pages | |
|---|
| heading | "Consolidation" |
|---|
| tags | |
|---|
| links | | "Insurance revenue" |
| "Underlying earnings" |
|
|---|
| data_items | |
|---|
| effective_tags | | "Insurance revenue" |
| "Underlying earnings" |
|
|---|
| content | "**Consolidation income build-up.**
| In EUR million | 1Q 22 | 2Q 22 | 3Q 22 | 4Q 22 | 2022 | 1Q 23 | 2Q 23 | 3Q 23 | 4Q 23 | 2023 | ∆ 2023 / 2022 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Total business volume (61) | {{t\|-150\|gbsnh9-y8sf}} | {{t\|-191\|gbsnh9-eywa}} | {{t\|-202\|gbsnh9-b9vn}} | {{t\|-238\|gbsnh9-5cv2}} | {{t\|-781\|gbsnh9-4x9r}} | {{t\|-157\|gbsnh9-rr39}} | {{t\|-172\|gbsnh9-k5zr}} | {{t\|-176\|gbsnh9-r9zm}} | {{t\|-290\|gbsnh9-fl5m}} | {{t\|-795\|gbsnh9-xbkn}} | {{t\|1.7%\|gbsnh9-hqp8}} |
| {{t\|Insurance revenue\|\|Insurance revenue}} | {{t\|-15\|gbsnh9-zaok}} | {{t\|-33\|gbsnh9-qyxv}} | {{t\|0\|gbsnh9-0tqa}} | {{t\|-44\|gbsnh9-fcq0}} | {{t\|-91\|gbsnh9-0s1m}} | {{t\|-18\|gbsnh9-ewrq}} | {{t\|-22\|gbsnh9-9d3r}} | {{t\|-10\|gbsnh9-92cm}} | {{t\|-36\|gbsnh9-dtpm}} | {{t\|-86\|gbsnh9-ywcf}} | {{t\|-5.5%\|gbsnh9-jjoj}} |
| {{t\|Operating profit\|\|Underlying earnings}} | {{t\|42\|gbsnh9-7g5r}} | {{t\|53\|gbsnh9-w7fr}} | {{t\|30\|gbsnh9-mpav}} | {{t\|-12\|gbsnh9-t4sz}} | {{t\|112\|gbsnh9-7dfe}} | {{t\|-7\|gbsnh9-a1ds}} | {{t\|6\|gbsnh9-kloo}} | {{t\|-4\|gbsnh9-kplt}} | {{t\|-1\|gbsnh9-z8bp}} | {{t\|-7\|gbsnh9-gpln}} | n.m. |
| Non-operating items — Realized gains/losses (net) | {{t\|-0\|gbsnh9-9t6s}} | {{t\|1\|gbsnh9-lxi8}} | {{t\|2\|gbsnh9-9rav}} | {{t\|-0\|gbsnh9-y9lv}} | {{t\|3\|gbsnh9-q6jk}} | {{t\|-0\|gbsnh9-9sn5}} | {{t\|2\|gbsnh9-bj56}} | {{t\|0\|gbsnh9-01dm}} | {{t\|3\|gbsnh9-1d72}} | {{t\|5\|gbsnh9-b5ij}} | {{t\|98.5%\|gbsnh9-rgfu}} |
| Non-operating items — Expected credit loss and impairments (net) | {{t\|0\|gbsnh9-eseh}} | {{t\|0\|gbsnh9-xppe}} | {{t\|0\|gbsnh9-9f3u}} | {{t\|0\|gbsnh9-78d5}} | {{t\|0\|gbsnh9-zn2w}} | {{t\|0\|gbsnh9-p07d}} | {{t\|0\|gbsnh9-aveu}} | {{t\|0\|gbsnh9-jq0w}} | {{t\|0\|gbsnh9-wmtf}} | {{t\|0\|gbsnh9-xt2a}} | n.m. |
| Non-operating items — Result from assets and liabilities measured at fair value incl. derivatives | {{t\|-0\|gbsnh9-0vy9}} | {{t\|-5\|gbsnh9-pebj}} | {{t\|-3\|gbsnh9-nhi8}} | {{t\|8\|gbsnh9-ni3u}} | {{t\|1\|gbsnh9-gl8h}} | {{t\|3\|gbsnh9-7a44}} | {{t\|-4\|gbsnh9-lw4e}} | {{t\|4\|gbsnh9-f4mz}} | {{t\|1\|gbsnh9-8xao}} | {{t\|4\|gbsnh9-2oyz}} | n.m. |
| Non-operating items — thereof: Non-operating market movements | {{t\|-3\|gbsnh9-77sb}} | {{t\|4\|gbsnh9-64wz}} | {{t\|11\|gbsnh9-1i2e}} | {{t\|-15\|gbsnh9-p4jm}} | {{t\|-4\|gbsnh9-fwen}} | {{t\|3\|gbsnh9-5evn}} | {{t\|-4\|gbsnh9-wr6t}} | {{t\|4\|gbsnh9-akc2}} | {{t\|1\|gbsnh9-6ch3}} | {{t\|4\|gbsnh9-3gza}} | n.m. |
| Non-operating items — Interest expenses from external debt | {{t\|0\|gbsnh9-wwv4}} | {{t\|0\|gbsnh9-kjpt}} | {{t\|0\|gbsnh9-bxlj}} | {{t\|0\|gbsnh9-5ofa}} | {{t\|0\|gbsnh9-zt8l}} | {{t\|0\|gbsnh9-zm41}} | {{t\|0\|gbsnh9-c59x}} | {{t\|0\|gbsnh9-hflp}} | {{t\|0\|gbsnh9-0vq0}} | {{t\|0\|gbsnh9-5e4x}} | n.m. |
| Non-operating items — Restructuring and integration expenses | {{t\|0\|gbsnh9-hslj}} | {{t\|0\|gbsnh9-efmq}} | {{t\|0\|gbsnh9-ghlh}} | {{t\|0\|gbsnh9-nmxv}} | {{t\|0\|gbsnh9-hgg3}} | {{t\|0\|gbsnh9-ehaw}} | {{t\|0\|gbsnh9-6o8u}} | {{t\|0\|gbsnh9-acer}} | {{t\|0\|gbsnh9-h6fg}} | {{t\|0\|gbsnh9-xypp}} | n.m. |
| Non-operating items — Amortization of intangible assets | {{t\|0\|gbsnh9-mlde}} | {{t\|0\|gbsnh9-sumf}} | {{t\|0\|gbsnh9-5oei}} | {{t\|3\|gbsnh9-5ee4}} | {{t\|3\|gbsnh9-xyrz}} | {{t\|0\|gbsnh9-vof9}} | {{t\|0\|gbsnh9-o37l}} | {{t\|0\|gbsnh9-1d2u}} | {{t\|0\|gbsnh9-0ils}} | {{t\|0\|gbsnh9-23fa}} | {{t\|-100.0%\|gbsnh9-h35a}} |
| Non-operating items — thereof: Amortization of intangible assets from business combinations | {{t\|0\|gbsnh9-ofrn}} | {{t\|0\|gbsnh9-pwyn}} | {{t\|0\|gbsnh9-xb5v}} | {{t\|0\|gbsnh9-qg5r}} | {{t\|0\|gbsnh9-hlw2}} | {{t\|0\|gbsnh9-r410}} | {{t\|0\|gbsnh9-v2uv}} | {{t\|0\|gbsnh9-285d}} | {{t\|0\|gbsnh9-0wry}} | {{t\|0\|gbsnh9-rg50}} | n.m. |
| Non-operating items — Other | {{t\|0\|gbsnh9-nfiv}} | {{t\|0\|gbsnh9-c5lf}} | {{t\|0\|gbsnh9-6wua}} | {{t\|0\|gbsnh9-8ujh}} | {{t\|0\|gbsnh9-shl8}} | {{t\|0\|gbsnh9-7mdt}} | {{t\|0\|gbsnh9-uvru}} | {{t\|0\|gbsnh9-kj8y}} | {{t\|0\|gbsnh9-g50b}} | {{t\|0\|gbsnh9-rdvv}} | {{t\|-100.0%\|gbsnh9-m45m}} |
| **Non-operating items — Subtotal** | {{t\|-0\|gbsnh9-96x4}} | {{t\|-3\|gbsnh9-7sk4}} | {{t\|-1\|gbsnh9-yvlq}} | {{t\|11\|gbsnh9-xxr3}} | {{t\|7\|gbsnh9-yqvf}} | {{t\|3\|gbsnh9-i1l9}} | {{t\|-3\|gbsnh9-oh9h}} | {{t\|4\|gbsnh9-3fcq}} | {{t\|5\|gbsnh9-sl0y}} | {{t\|10\|gbsnh9-0cs6}} | {{t\|47.5%\|gbsnh9-x14b}} |
| **Non-operating items — Income (loss) before income taxes** | {{t\|41\|gbsnh9-qiua}} | {{t\|49\|gbsnh9-vghu}} | {{t\|29\|gbsnh9-fds7}} | {{t\|-1\|gbsnh9-8g48}} | {{t\|119\|gbsnh9-eqot}} | {{t\|-4\|gbsnh9-etma}} | {{t\|3\|gbsnh9-ufqh}} | {{t\|0\|gbsnh9-d6ml}} | {{t\|4\|gbsnh9-tljt}} | {{t\|3\|gbsnh9-bfxg}} | {{t\|-97.6%\|gbsnh9-67qq}} |
| Non-operating items — Income taxes | {{t\|-10\|gbsnh9-9xir}} | {{t\|-13\|gbsnh9-n46o}} | {{t\|-7\|gbsnh9-v7ud}} | {{t\|1\|gbsnh9-5x0h}} | {{t\|-29\|gbsnh9-cb4j}} | {{t\|0\|gbsnh9-sp0c}} | {{t\|-1\|gbsnh9-1jzc}} | {{t\|0\|gbsnh9-t3ya}} | {{t\|-1\|gbsnh9-afkq}} | {{t\|-1\|gbsnh9-522p}} | {{t\|-95.5%\|gbsnh9-7xa8}} |
| **Non-operating items — Net income (loss)** | {{t\|31\|gbsnh9-mrad}} | {{t\|36\|gbsnh9-ifiy}} | {{t\|21\|gbsnh9-j3j7}} | {{t\|0\|gbsnh9-u8rm}} | {{t\|89\|gbsnh9-31y5}} | {{t\|-4\|gbsnh9-sv6e}} | {{t\|2\|gbsnh9-jkar}} | {{t\|0\|gbsnh9-y89c}} | {{t\|3\|gbsnh9-4ici}} | {{t\|2\|gbsnh9-3hu8}} | {{t\|-98.3%\|gbsnh9-nayz}} |
| Net income (loss) attributable to: — Non-controlling interests | {{t\|0\|gbsnh9-2hi9}} | {{t\|-1\|gbsnh9-3l73}} | {{t\|-0\|gbsnh9-8ygi}} | {{t\|0\|gbsnh9-mmav}} | {{t\|-1\|gbsnh9-5agg}} | {{t\|-0\|gbsnh9-u635}} | {{t\|-0\|gbsnh9-dxsx}} | {{t\|0\|gbsnh9-gtcr}} | {{t\|-0\|gbsnh9-yt2c}} | {{t\|-0\|gbsnh9-312r}} | {{t\|-87.7%\|gbsnh9-8geh}} |
| **Net income (loss) attributable to: — Shareholders** | {{t\|31\|gbsnh9-0kxw}} | {{t\|37\|gbsnh9-np1c}} | {{t\|22\|gbsnh9-a0qe}} | {{t\|0\|gbsnh9-dfdc}} | {{t\|90\|gbsnh9-pre5}} | {{t\|-4\|gbsnh9-vi0x}} | {{t\|2\|gbsnh9-nrhs}} | {{t\|0\|gbsnh9-n8ol}} | {{t\|3\|gbsnh9-15kx}} | {{t\|2\|gbsnh9-y4zv}} | {{t\|-98.2%\|gbsnh9-lejh}} |
| **Net income (loss) attributable to: — Income (loss) before income taxes** | {{t\|41\|gbsnh9-nb2x}} | {{t\|49\|gbsnh9-7ws0}} | {{t\|29\|gbsnh9-iysr}} | {{t\|-1\|gbsnh9-9di9}} | {{t\|119\|gbsnh9-4tfg}} | {{t\|-4\|gbsnh9-ekf8}} | {{t\|3\|gbsnh9-ipwb}} | {{t\|0\|gbsnh9-l7mg}} | {{t\|4\|gbsnh9-u3v5}} | {{t\|3\|gbsnh9-klci}} | {{t\|-97.6%\|gbsnh9-pi9k}} |
| Net income (loss) attributable to: — Adjustment for non-operating market movements | {{t\|3\|gbsnh9-ilkm}} | {{t\|-4\|gbsnh9-t8ri}} | {{t\|-11\|gbsnh9-e5mr}} | {{t\|15\|gbsnh9-s7kk}} | {{t\|4\|gbsnh9-1fwa}} | {{t\|-3\|gbsnh9-qn6y}} | {{t\|4\|gbsnh9-7806}} | {{t\|-4\|gbsnh9-6fco}} | {{t\|-1\|gbsnh9-ygup}} | {{t\|-4\|gbsnh9-mdkp}} | n.m. |
| Net income (loss) attributable to: — Adjustment for amortization of intangible assets from business combinations | {{t\|0\|gbsnh9-lrq4}} | {{t\|0\|gbsnh9-07qh}} | {{t\|0\|gbsnh9-ioeg}} | {{t\|0\|gbsnh9-233l}} | {{t\|0\|gbsnh9-pg4y}} | {{t\|0\|gbsnh9-9al4}} | {{t\|0\|gbsnh9-6cgu}} | {{t\|0\|gbsnh9-tqwn}} | {{t\|0\|gbsnh9-xfwj}} | {{t\|0\|gbsnh9-z70i}} | n.m. |
| **Net income (loss) attributable to: — Core income (loss) before income taxes** | {{t\|44\|gbsnh9-rfvm}} | {{t\|45\|gbsnh9-islh}} | {{t\|18\|gbsnh9-pnif}} | {{t\|15\|gbsnh9-gu1i}} | {{t\|122\|gbsnh9-jgp7}} | {{t\|-8\|gbsnh9-fp7b}} | {{t\|7\|gbsnh9-j8c5}} | {{t\|-4\|gbsnh9-irs4}} | {{t\|2\|gbsnh9-3gej}} | {{t\|-2\|gbsnh9-nu51}} | n.m. |
| Net income (loss) attributable to: — Income taxes related to core income (loss) | {{t\|-10\|gbsnh9-7h1s}} | {{t\|-13\|gbsnh9-c4tn}} | {{t\|-7\|gbsnh9-inaf}} | {{t\|1\|gbsnh9-kdrr}} | {{t\|-29\|gbsnh9-rk02}} | {{t\|0\|gbsnh9-xm8l}} | {{t\|-1\|gbsnh9-lh93}} | {{t\|0\|gbsnh9-622a}} | {{t\|-1\|gbsnh9-z204}} | {{t\|-1\|gbsnh9-q3ar}} | {{t\|-95.5%\|gbsnh9-ii7w}} |
| **Net income (loss) attributable to: — Core net income (loss)** | {{t\|34\|gbsnh9-ewve}} | {{t\|33\|gbsnh9-hepm}} | {{t\|10\|gbsnh9-kd1r}} | {{t\|16\|gbsnh9-6h08}} | {{t\|93\|gbsnh9-qf2j}} | {{t\|-7\|gbsnh9-uesk}} | {{t\|6\|gbsnh9-2pq6}} | {{t\|-4\|gbsnh9-yh70}} | {{t\|2\|gbsnh9-bshw}} | {{t\|-3\|gbsnh9-vs7s}} | n.m. |
| **Net income (loss) attributable to: — thereof: Shareholders' core net income (loss)** | {{t\|34\|gbsnh9-v0ri}} | {{t\|33\|gbsnh9-6syl}} | {{t\|11\|gbsnh9-8lt6}} | {{t\|16\|gbsnh9-vvkw}} | {{t\|94\|gbsnh9-8yci}} | {{t\|-7\|gbsnh9-3dl6}} | {{t\|6\|gbsnh9-oj9p}} | {{t\|-4\|gbsnh9-tu8e}} | {{t\|2\|gbsnh9-2ri9}} | {{t\|-3\|gbsnh9-mwqc}} | n.m. |
(61) Total business volume comprises gross premiums written and fee and commission income in Property-Casualty, statutory gross premiums in Life/Health, and operating revenues in Asset Management." |
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