Summary income statement
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  Consolidated accounts
  21.02.21 21.02.20
Amounts in USD 000s to 20.08.21 to 20.08.20
     
Gross earned premium* 463,907 425,335
     
Earned premium for own account 364,707 336,136
Other insurance related income 374 799
Claims incurred for own account** 374,038 350,049
Operating expenses 50,743 40,477
     
Technical result  (59,700) (53,591)
     
Non-technical result*** 22,963 (8,812)
     
Result (36,738) (62,403)
     
Combined Ratio Net (CRN), ETC basis 113% 116%

* Gross earned premium include a 5 per cent Owners General Discount for the P&I business for the half year to 20.08.21.

** Claims handling costs' share of Operating expenses are included in Claims incurred for own account.

***Taxation and Other comprehensive income/(loss) are included in Non-technical result.