Balance sheet
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    Parent company Consolidated accounts
    As at As at As at As at
Amounts in USD 000's Notes 20.02.21 20.02.20 20.02.21 20.02.20
           
Assets          
Intangible          
Developed software 10 0 0 8,722 3,374
Total intangible assets   0 0 8,722 3,374
           
Investments          
Property and plant used in operations 11 0 0 27,561 21,228
           
Financial investments in subsidiaries          
Investments in subsidiaries 13 593,363 593,363 0 0
Loan to subsidiaries 3, 15 12,315 19,989 0 0
           
Financial investments at fair value through profit or loss        
Equities and investment funds 14 180,310 171,906 558,905 572,504
Interest-bearing securities and funds 14, 15 458,644 434,316 1,693,137 1,529,422
Other financial investments  14, 15 18,130 12 43,388 35
Total investments   1,262,762 1,219,586 2,322,991 2,123,189
           
Reinsurers' share of technical provisions          
Reinsurers' share of gross premium reserve   1,595 1,395 41,444 38,244
Reinsurers' share of gross claims reserve 6, 15 510,928 507,370 247,484 227,240
Total reinsurers' share of technical provisions   512,523 508,766 288,928 265,484
           
Receivables          
Receivables from direct insurance operations          
Policyholders 5, 17 37,304 12,269 284,345 192,440
           
Receivables from reinsurance operations          
Receivables from reinsurance operations   781 4,717 977 8,152
Receivables from subsidiaries   10,762 51,235 0 0
           
Other receivables          
Other receivables 18 0 0 22,356 23,345
Other receivables from subsidiaries 18 13,386 1,848 0 0
Total receivables 15 62,233 70,069 307,678 223,937
           
Other assets          
Equipment 12 661 661 7,866 7,890
Cash and cash equivalents 15, 19 63,015 63,858 186,471 183,189
Deferred tax asset 9 20,498 19,387 18,772 23,751
Other financial assets 15 5,478 5,913 29,761 19,792
Total other assets   89,652 89,819 242,871 234,622
           
Prepayments and accrued income          
Accrued income and other prepayments   2,415 3,448 35,190 30,823
Total prepayments and accrued income   2,415 3,448 35,190 30,823
           
Total assets   1,929,585 1,891,687 3,206,380 2,881,429
 
    Parent company Consolidated accounts
    As at As at As at As at
Amounts in USD 000's Notes 20.02.21 20.02.20 20.02.21 20.02.20
           
Equity and liabilities          
Equity          
Statutory reserve 20 463 463 463 463
           
Retained earnings          
Guarantee scheme 20 454 422 535 490
Other equity 20 984,628 971,112 1,261,922 1,178,248
Total equity 21 985,545 971,997 1,262,920 1,179,200
           
Technical provisions          
Gross premium reserve 6 3,107 2,715 235,472 185,388
Gross claims reserve 6, 15 850,587 846,075 1,473,288 1,381,124
Total technical provisions   853,694 848,790 1,708,760 1,566,512
           
Provisions for other liabilities          
Pension obligations, net 16 1,417 1,244 46,176 34,615
Income tax payable 9, 15 0 0 16,913 13,628
Other provision for liabilities   0 0 697 720
Total provisions for other liabilities   1,417 1,244 63,785 48,963
           
Payables          
Payables arising out of direct insurance operations 15 55,956 12,406 85,557 26,582
Payables arising out of reinsurance operations 15 4,033 12,359 57,596 23,489
Payables arising out of reinsurance operations - group companies 15 3,227 9,378 0 0
Payables to group companies 15 19,795 23,233 0 0
Other payables 15, 18 145 111 8,844 9,799
Total payables   83,156 57,488 151,997 59,870
           
Accruals and deferred income          
Accruals and deferred income 15 5,773 12,168 18,918 26,884
Total accruals and deferred income   5,773 12,168 18,918 26,884
           
Total liabilities   944,040 919,691 1,943,460 1,702,229
           
Total equity and liabilities   1,929,585 1,891,687 3,206,380 2,881,429