Key financials 2009 - 2018
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Amounts in USD millions, ETC basis 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
                     
Gross written premium 796 812 792 855 884 959 991 911 824 775
Earned premium for own account 701 701 678 700 712 764 842 764 707 626
                     
Claims incurred for own account -436 -527 -533 -595 -600 -643 -  631 -532 -493 -479
Operating expenses net -108 -121 -101 -92 -122 -97 -  110 -99 -94 -90
                     
Result on technical account 157 54 44 13 -10 24 101 133 120 59
                     
Result on non-technical account -293 195 141 49 113 76 23 -54 104 144
                     
Net result before tax -136 249 185 62 103 100           124 79 224 203
Tax -14 -9 -9 -11 -5 -11 - 6 -8 -8 -9
Total comprehensive income -150 240 176 51 98 89 87 86 215 193
                     
Changes in deferred call - -41 -28 -14 -31 -35 -37 -37 -89 -79
                     
Combined ratio (ETC-basis) 78% 92% 94% 98% 101% 97% 88% 83% 83% 91%
                     
Equity* 430 638 790 826 895 920 969 1,017 1,135 1,249

* Contingency reserve has been reclassified to equity.