Summary income statement
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  Consolidated accounts
  21.02.20 21.02.19
Amounts in USD 000s to 20.08.20 to 20.08.19
     
Gross earned premium* 425,335 399,532
     
Earned premium for own account 336,136 318,944
Other insurance related income 799 1,480
Claims incurred for own account** 350,049 265,876
Operating expenses 40,477 41,670
     
Technical result  (53,591) 12,878
     
Non-technical result*** (8,812) 51,826
     
Result (62,403) 64,704
     
Combined Ratio Net (CRN) 116% 96%
     
* Gross earned premium include one half of estimated total calls for the P&I business andgross earned premium for the marine and energy business.  
** Claims handling costs' share of Operating expenses are included in Claims incurred for own account.
***Taxation and Other comprehansive income/(loss) are included in Non-technical result.