Summary consolidated Income and expenditure accounts
vertical line
  21.02.16 21.02.15
Amounts in USD 000s to 20.08.16 to 20.08.15
     
Premium earned gross* 429,156 466,724
     
Earned premium for own account 348,071 389,842
Other insurance related income 1,014 902
Claims incurred for own account** 290,566 277,953
Operating expenses 43,552 52,108
     
Technical result  14,967 60,684
     
Result on non-technical account 82,302 (14,592)
     
Net result 97,269 46,092
     
Combined Ratio Net (CRN) 96% 84%
* Premium earned gross include one half of estimated total calls for the P&I business and gross earned premium for the marine and energy business
** Claims handling costs share of Operating expenses are included in Claims incurred for own account.