Premiums written rose by 3.8 per cent to €3,436.0 million Technical result improved by 7.6 per cent to €119.5 million Combined ratio increased from 92.6 per cent to 95.0 per cent, due to major claims and storms Depreciation and impairment losses reduced net investment income by 31 per cent to €211 million Solvency II ratio stands at a strong 234 per cent Outlook: solid core business, no forecast for development of capital markets