JUNE 2005

Contact person for information:Nicolas BURGARD (burgard@cea.assur.org) /

© COMITÉ EUROPÉEN DES ASSURANCESThe European Insurance industry, 2004 Data - June 2005

08 Introductory remarks

09 1- Premium

19 2- Investments

22 3- Employees and companies

THE EUROPEAN INSURANCE INDUSTRYPART A

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 3C o n t e n t s

PAGE

26 1- Country guide 2003

27 2- Country guide 2004

COUNTRY GUIDEPART BPAGE

48 1- Exchange rate

49 2- GDP

50 3- Population

51 4- Inflation

ANNEXES - ECONOMIC DATAPART DPAGE

30 1- Number of companies

31 2- Number of employees

32 3- Total premium

33 4- Life premium

34 5- Non-life premium

35 6- Total investments

36 7- Life investments

37 8- Non-life investments

38 9- Life provisions

39 10- Non-life provisions

40 11- Motor premium

41 12- Accident & health premium

42 13- Liability premium

43 14- Legal expenses premium

44 15- Property premium

45 16- MAT premium

INSURANCE DATAPART CPAGE

07

25

29

47

5NATIONAL ASSOCIATIONS

Which took part in this studyMETHODOLOGICAL

note 4

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 20054

collects, analyses andcompiles annually asubstantial amount ofgeneral, financial andtechnical data relating toinsurance and obtainedfrom its members.

This financial informa-tion is collected in mil-lions in each market’snational currency.

It is then converted intoeuros at the exchangerate on 31 December ofeach year for non-eurozone countries as pub-lished by the EuropeanCommission.

→ (For 1992 to 1997inclusive, the Ecuwas the referencecurrency).

The inflation-adjustedvalue is calculated onthe basis ofdata in na-tional currencyconverted bythe price infla-tion rate pub-lished by the OECD.

→ (base 100 in 1995).

Conversion into infla-tion-adjusted euros isdone at the rate for thelast year in order tocancel out variations inexchange rates.

Variations on each mar-ket are then calculatedfor data in national cur-rency for non-inflationadjusted variations andfor data in national cur-rency corrected for in-flation for variations ex-clusive of inflation.

CEA

METHODOLOGICAL

note

Total variations perzone are calculated for

euro and non-inflation ad-justed euro to-tals.

In the over-view part, year on yearvariations have beencalculated by subtract-ing from the total datacountries for whichthere was no informa-tion for the previous orfollowing year. In theother chapters and for2001, data for the pre-vious year has beenused if information islacking.

ISO CODE /Country

AT/Austria/ÖsterreichVerband der Versicherungsunternehmen Österreichs(VVO)BE/Belgium/Belgique/BelgïeAssuraliaBG/Bulgarie/Bulgaria/BulgarienAssociation of Bulgarian Insurers (ABZ)CH/Switzerland/Suisse/SchweizSchweizerischer Versicherungsverband (SVV)Association Suisse d’Assurances (ASA)CY/Cyprus/KýprosInsurance Association of CyprusCZ/Czech Republic/Ceská RepublikaCeská asociace pojištov’en (CAP)DE/Germany/DeutschlandGesamtverband der DeutschenVersicherungswirtschaft (GDV)DK/DenmarkForsikring & Pension (F&P)EE/EstoniaEesti Kindlustusseltside LiitES/Spain/EspañaUnión Española de Entidades Aseguradorasy Reaseguradoras (UNESPA)FI/Finland/SuomiSuomen Vakuutusyhtiöiden KeskusliittoFR/FranceFédération Française des Sociétés d’Assurances (FFSA)GB/United KingdomThe British Insurers’ European Committee (BIEC)GR/Greece/EllásAssociation of Insurance Companies-GreeceHR/croatiaCroatian Insurance Bureau

HU/Hungary/MagyarországMagyar Biztositók Szövetsége (MABISZ)

IE/Eire/IrelandThe Irish Insurance Federation (IIF)IS/Iceland/IslandSamband Íslenskra TryggingafélagaIT/Italy/ItaliaAssociazione Nazionale fra le ImpreseAssicuratrici (ANIA)LI/LiechtensteinLiechtensteinischer Versicherungsverband e.VLT/LithuaniaLietuvos draudiku asociacijaAssociation of Lithuanian InsurersLU/LuxembourgAssociation des Compagnies d’Assurancedu Grand-Duché de Luxembourg (ACA)LV/LatviaLatvijas Apdrošinataju AsociacijaMT/MaltaMalta Insurance AssociationNL/Netherlands/NederlandVerbond van Verzekeraars in Nederland (VVN)NO/Norway/NorgeFinansnæringens Hovedorganisasjon (FNH)PL/Poland/PolskaPolska Izba Ubezpieczen (PIU)PT/PortugalAssociaçao Portuguesa de Seguradores (APS)SE/Sweden/SverigeSveriges FörsäkringsförbundSI/SloveniaSlovensko Zavarovalno Zdruzenje (SZZ)SK/Slovakia/SlovenskoSlovenská asociácia poistovniTR/Turkey/TürkiyeTürkiye Sigorta ve Reasürans Sirketleri Birligi

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 5

CEA NATIONAL ASSOCIATIONS

which took part in this study

>

08 Introductory remarks

09 1- Premium

19 2- Investments

22 3- Employees and companies

THE EUROPEAN INSURANCE INDUSTRY IN 2004PART APAGE

07

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 20058 PART A PART B PART C

fter a year, 2003,marked by await for signs ofeconomic re-covery and a

general recession in certaincountries, 2004 will remaina reference over the preced-ing years for the evolution ofworld growth despite a par-ticularly high number ofnatural events. The strengthof US domestic demand andthe continuing growth of theChinese economy led to aglobal dynamism trend.However, Europe only ben-efited late and in reducedproportions from this exter-nal recovery. Europeancountries, and especiallythose within the Euro zone,did not fully benefit from thisoverall movement, con-strained in particular by theappreciation of the singlecurrency which was affectedby competitiveness of ex-ports, and by the weaknessof consumption in somecountries.

On the way to financialgrowth againAs a result of pricing adjust-ments, underwriting policytightening and cutbacks inoperating costs and over-heads, 2003 showed a timidupward trend with growth intotal premium income of+1.2% (inflation-adjusted).In 2004, the European insur-ance market (the thirty-twoCEA member countries) re-turned to growth rates in linewith those noted over thelast decade. Total turnoverwas 927 bn euros (+5.5%inflation-adjusted comparedwith 2003). In this grouping,the twenty-five members ofthe European Union repre-sented 875 bn euros, ie.94.4% of the total. Life pre-miums show a high level of

fiscal incentives during thesavings phase, accompa-nied by financial difficultiesand doubts on thesustainability of social secu-rity pension schemes.

Non-life insuranceAlthough less importantthan in the past year (growthof +5.3% over 2002/2003 ininflation-adjusted terms), thenon-life sector grew by3.7% (inflation-correctedfigures) in 2004, totalling368 bn euros. Split bycategoy, non-life premiumgrowth rates ranged from+11.3% in marine, aviationand transport insurance(which represents only 5%of the total non-life insur-ance market), +6.1% in ac-cident and health, +5.7% inliability, +4.5% in property(these three branches ac-count for 55% of non-lifepremium) and only +1.2%in motor insurance (34% oftotal non-life premium).

Investment values still risingTotal investments by Euro-pean insurance companiesamounted in 2004 to 5,855bn euros, of which 4,729 bneuros for life investments

(81% of the total). With arise of 6.1% in inflation-cor-rected figures, the value ofinsurance investments (esti-mated at market value) isstill growing after the recov-ery noted in 2003. Invest-ments of Euro zone domes-tic insurance companiesrepresent 59% of total in-

Introductory remarksPART A - THE EUROPEAN INSURANCE INDUSTRY

growth compared to 2003 at+9.1% (+6.8% in inflation-corrected figures) with tencountries over + 10.0%.Non-life insurance is alsomaking substantial progressat +6.0% (+3.7% inflation-adjusted).

Life insuranceAfter four consecutive yearsof the non-life insurancemarket providing generalgrowth, the life insurancemarket is on the way togrowth again. Indeed, lifepremiums totalled 559 bneuros in 2004 comparedwith 507 bn euros in 2003,i.e. a rise of 6.8% (inflation-adjusted). The trend, exceptfor Cyprus and Switzerlandthat respectively registered-6.5% and -3.5% over thelast year, is globally verypositive for all Europeancountries, especially Lux-embourg (+22.1%), Norway(+21.2%), Portugal(+12.1%), Belgium andFrance (+11.1%). The recov-ery is noticeable for the Brit-ish (+5.4%) and Spanish(+2.4%) markets after thesharp fall faced in 2003. Thedynamism of Central andEastern European countriesis confirmed, with particu-larly positive growth rates inSlovenia (+32.9%), Estonia(+30%), Latvia (+21.1%),Czech Republic (+7.3%)which remain on the top ofthe emerging life insurancemarkets.

Although decreasing (itreached 65% in 2000), theshare of life insurance in thetotal still dominates at 60%.These figures, however, donot bring the high potentialof this sector into question.There are more and moreinterest in almost all coun-tries in pension and old-ageproducts. This is a result of

Avestments. Three countries,United Kingdom, Franceand Germany, accounted for66% of total European insur-ance investments.

Company and employeenumbers continue to de-crease slowlyWhile the total number ofinsurance companies oper-ating on European marketsremained relatively stablebetween 1992 and 2002,the drop in 2003 (-0.8%)was followed by anotherdrop in 2004 (-1.6%). Whilethis trend is mainly due toconcentration in the indus-try, with 5 027 insurance un-dertakings the industry stillremains relatively frag-mented. The number of em-ployees also experienced afall of -1.3% (-0.1% in2003). The European insur-ance industry, however, stillemploys over 1 million peo-ple. The United Kingdom,France and Germany repre-sent 38% of the number ofundertakings and 58% ofthe total number of employ-ees.

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 9PART D

Total premium (Euro million)Country Growth rate 04/03 Share country in total

Total Non-inflation- Inflation-adjusted adjusted 2003 2004

AT Austria 13,989 6.6% 5.2% 1.5% 1.5%BE Belgium 28,482 10.5% 8.8% 3.0% 3.1%BG BulgariaCH Switzerland 33,318 -3.5% -4.0% 3.9% 3.6%CY Cyprus 575 8.3% 5.0% 0.1% 0.1%CZ Czech Republic 3,561 6.6% 6.5% 0.4% 0.4%DE Germany 150,400 2.2% 1.2% 17.1% 16.2%DK Denmark 15,935 8.0% 5.8% 1.7% 1.7%EE Estonia 189 12.5% 7.4% 0.02% 0.02%ES Spain 44,842 7.8% 4.7% 4.8% 4.8%FI Finland 13,217 4.3% 3.4% 1.5% 1.4%FR France 156,800 10.4% 8.2% 16.5% 16.9%GB United Kingdom 230,330 6.5% 3.6% 24.0% 24.8%GR Greece 3,620 11.9% 8.1% 0.4% 0.4%HR Croatia 875 9.2% 3.4% 0.1% 0.1%HU Hungary 2,411 7.0% 2.4% 0.3% 0.3%IE Ireland 12,749 7.3% 3.8% 1.4% 1.4%IS Iceland 305 3.7% 1.6% 0.03% 0.03%IT Italy 101,038 4.2% 1.5% 11.3% 10.9%LI Liechtenstein 1,673 127.3% 126.0% 0.1% 0.2%LT Lithuania 236 0.03% 0.03%LU Luxembourg 9,004 22.8% 20.4% 0.9% 1.0%LV Latvia 214 4.8% 2.1% 0.02% 0.02%MT Malta 229 4.0% 1.9% 0.03% 0.02%NL The Netherlands 48,530 5.4% 3.2% 5.4% 5.2%NO Norway 11,202 14.3% 12.4% 1.1% 1.2%PL Poland 6,679 11.0% 10.2% 0.7% 0.7%PT Portugal 10,432 10.5% 7.0% 1.1% 1.1%SE Sweden 19,265 0.2% -1.8% 2.2% 2.1%SI Slovenia 1,486 14.6% 8.6% 0.1% 0.2%SK Slovakia 1,140 14.8% 6.4% 0.1% 0.1%TR Turkey 4,419 39.1% 15.7% 0.3% 0.5%

CEA 927,146 7.7% 5.5% 100% 100%EU (25) 875,353 7.8% 5.5% 94.4% 94.4%in which Euro (12) 593,103 6.4% 4.4% 64.8% 64.0%Others 51,792 7.6% 5.4% 5.6% 5.6%

(Source CEA)

Growth rate 04/03 per class (inflation-adjusted) (Source CEA)

Data 2003

-6%

-4%

-2%

0%

2%

4%

6%

8%

10%

12%

14%

Total Life Non-life MAT Accident &health

Liability Property Legalexpenses

Motor Others

Premium1 THE EUROPEAN INSURANCE INDUSTRY

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200510 PART A PART B PART C

Life premium growth rate 04/03 (inflation-adjusted)

Life premium (Euro million)Country Growth rate 04/03 Share country in total Share in total premium

Total Non-inflation- Inflation-adjusted adjusted 2003 2004 2003 2004

AT Austria 6,188 8.5% 7.0% 1.1% 1.1% 43.5% 44.2%BE Belgium 19,772 12.8% 11.1% 3.4% 3.5% 68.0% 69.4%BG BulgariaCH Switzerland 20,246 -6.0% -6.5% 4.1% 3.6% 62.4% 60.8%CY Cyprus 266 -0.6% -3.5% 0.1% 0.05% 50.3% 46.2%CZ Czech Republic 1,411 7.5% 7.3% 0.3% 0.3% 39.3% 39.6%DE Germany 68,200 0.8% -0.2% 13.2% 12.2% 46.0% 45.3%DK Denmark 10,363 7.1% 4.9% 1.9% 1.9% 65.6% 65.0%EE Estonia 50 36.2% 30.0% 0.01% 0.01% 22.0% 26.6%ES Spain 18,706 5.4% 2.4% 3.5% 3.3% 42.7% 41.7%FI Finland 10,401 3.8% 2.9% 2.0% 1.9% 79.1% 78.7%FR France 104,200 13.2% 11.0% 18.0% 18.6% 64.8% 66.5%GB United Kingdom 156,707 8.4% 5.4% 26.9% 28.0% 66.9% 68.0%GR Greece 1,729 20.5% 16.4% 0.3% 0.3% 44.4% 47.8%HR Croatia 207 16.2% 10.0% 0.03% 0.04% 22.3% 23.7%HU Hungary 980 8.4% 3.7% 0.2% 0.2% 40.1% 40.6%IE Ireland 8,179 7.0% 3.5% 1.5% 1.5% 64.3% 64.2%IS Iceland 30 6.2% 4.1% 0.01% 0.01% 9.5% 9.8%IT Italy 65,627 4.5% 1.9% 12.2% 11.7% 64.7% 65.0%LI Liechtenstein 1,539 0.0% 0.3% 0.0% 92.0%LT Lithuania 62 0.01% 0.01% 26.3% 26.3%LU Luxembourg 7,875 24.5% 22.1% 1.2% 1.4% 86.3% 87.5%LV Latvia 11 24.3% 21.1% 0.0% 0.0% 4.2% 5.0%MT Malta 120 6.2% 4.1% 0.0% 0.0% 51.2% 52.3%NL The Netherlands 25,900 4.3% 2.1% 4.8% 4.6% 53.9% 53.4%NO Norway 6,780 23.2% 21.2% 1.0% 1.2% 56.1% 60.5%PL Poland 3,046 12.6% 11.7% 0.5% 0.5% 45.0% 45.6%PT Portugal 6,250 15.7% 12.1% 1.1% 1.1% 57.2% 59.9%SE Sweden 12,585 0.9% -1.2% 2.4% 2.3% 64.9% 65.3%SI Slovenia 435 40.2% 32.9% 0.1% 0.1% 23.9% 29.3%SK Slovakia 462 14.3% 6.0% 0.1% 0.1% 40.7% 40.5%TR Turkey 779 18.5% -1.4% 0.1% 0.1% 20.7% 17.6%

CEA 559,106 9.1% 6.8% 100% 100% 59.6% 60.3%EU (25) 529,525 9.1% 6.8% 94.7% 94.7% 59.7% 60.5%in which Euro (12) 343,027 7.5% 5.4% 62.3% 61.4% 57.3% 57.8%Others 29,582 8.4% 7.0% 5.3% 5.3% 56.7% 57.1%

(Source CEA)

(Source CEA)

Data 2003

1 Premium

-10%

-5%

0%

5%

10%

15%

20%

25%

30%

35%

SI EE LU NO LV GR PT PL BE FR HR CZ AT CEA SK GB DK IS MT HU IE FI ES NL IT DE SE TR CY CH

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 11PART D

Non-Life premium (Euro million)Country Growth rate 04/03 Share country in total Share in total premium

Total Non-inflation- Inflation-adjusted adjusted 2003 2004 2003 2004

AT Austria 7,801 5.1% 3.7% 2.1% 2.1% 56.5% 55.8%BE Belgium 8,710 5.4% 3.8% 2.4% 2.4% 32.0% 30.6%BG BulgariaCH Switzerland 13,071 0.7% 0.1% 3.7% 3.6% 37.6% 39.2%CY Cyprus 310 17.2% 13.7% 0.1% 0.1% 49.7% 53.8%CZ Czech Republic 2,150 6.0% 5.9% 0.6% 0.6% 60.7% 60.4%DE Germany 82,200 3.5% 2.4% 22.9% 22.3% 54.0% 54.7%DK Denmark 5,572 9.7% 7.5% 1.5% 1.5% 34.4% 35.0%EE Estonia 139 5.8% 1.0% 0.04% 0.04% 78.0% 73.4%ES Spain 26,136 9.6% 6.4% 6.9% 7.1% 57.3% 58.3%FI Finland 2,817 6.1% 5.2% 0.8% 0.8% 20.9% 21.3%FR France 52,600 5.2% 3.1% 14.4% 14.3% 35.2% 33.5%GB United Kingdom 73,622 2.8% 0.0% 19.7% 20.0% 33.1% 32.0%GR Greece 1,891 5.1% 1.5% 0.5% 0.5% 55.6% 52.2%HR Croatia 667 7.2% 1.4% 0.2% 0.2% 77.7% 76.3%HU Hungary 1,431 6.1% 1.5% 0.4% 0.4% 59.9% 59.4%IE Ireland 4,570 7.8% 4.3% 1.2% 1.2% 35.7% 35.8%IS Iceland 275 3.4% 1.4% 0.1% 0.1% 90.5% 90.2%IT Italy 35,411 3.5% 0.9% 9.9% 9.6% 35.3% 35.0%LI Liechtenstein 134 0.00% 0.04% 0.0% 8.0%LT Lithuania 174 0.1% 0.0% 73.7% 73.7%LU Luxembourg 1,129 12.0% 9.8% 0.3% 0.3% 13.7% 12.5%LV Latvia 204 3.9% 1.2% 0.1% 0.1% 95.8% 95.0%MT Malta 109 1.6% -0.4% 0.03% 0.03% 48.8% 47.7%NL The Netherlands 22,630 6.7% 4.5% 6.1% 6.1% 46.1% 46.6%NO Norway 4,422 2.9% 1.2% 1.2% 1.2% 43.9% 39.5%PL Poland 3,633 9.7% 8.9% 0.9% 1.0% 55.0% 54.4%PT Portugal 4,182 3.5% 0.2% 1.2% 1.1% 42.8% 40.1%SE Sweden 6,680 -1.0% -3.0% 1.9% 1.8% 35.1% 34.7%SI Slovenia 1,051 6.5% 1.0% 0.3% 0.3% 76.1% 70.7%SK Slovakia 678 15.1% 6.7% 0.2% 0.2% 59.3% 59.5%TR Turkey 3,641 44.5% 20.2% 0.7% 1.0% 79.3% 82.4%

CEA 368,040 6.0% 3.7% 100% 100% 40.4% 39.7%EU (25) 345,830 5.7% 3.5% 94.2% 94.0% 40.3% 39.5%in which Euro (12) 250,077 5.0% 3.1% 68.6% 67.9% 42.7% 42.2%Others 22,210 10.3% 6.9% 5.8% 6.0% 41.8% 42.9%

(Source CEA)

Data 2003

1 Premium

Non-Life premium growth rate 04/03 (inflation-adjusted) (Source CEA)

-5%

0%

5%

10%

15%

20%

25%

TR CY LU PL DK SK ES CZ FI NL IE BE CEA AT FR DE HU GR HR IS LV NO SI EE IT PT CH GB MT SE

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200512 PART A PART B PART C

Motor premium (Euro million)

Country Growth rate 04/03 Share country in total Share in non-life premiumTotal Non-inflation- Inflation-

adjusted adjusted 2003 2004 2003 2004AT Austria 2,734 5.6% 4.3% 2.1% 2.2% 34.9% 35.0%BE Belgium 2,998 5.7% 4.1% 2.4% 2.4% 34.3% 34.4%BG BulgariaCH Switzerland 3,132 -1.3% -1.8% 2.6% 2.5% 24.4% 24.0%CY Cyprus 131 15.9% 12.4% 0.1% 0.1% 42.8% 42.3%CZ Czech Republic 1,125 6.6% 6.4% 0.9% 0.9% 52.1% 52.4%DE Germany 22,400 0.3% -0.6% 18.5% 18.0% 28.1% 27.3%DK Denmark 1,655 10.1% 7.9% 1.2% 1.3% 29.6% 29.7%EE Estonia 83 -4.0% -8.3% 0.1% 0.1% 66.1% 60.0%ES Spain 11,276 6.2% 3.2% 8.8% 9.0% 44.5% 43.1%FI Finland 1,043 9.0% 8.0% 0.8% 0.8% 36.0% 37.0%FR France 17,500 2.1% 0.1% 14.2% 14.0% 34.3% 33.3%GB United Kingdom 18,834 -4.2% -6.8% 15.6% 15.1% 27.5% 25.6%GR Greece 1,148 4.4% 0.8% 0.9% 0.9% 61.1% 60.7%HR Croatia 384 8.6% 2.8% 0.3% 0.3% 56.7% 57.5%HU Hungary 831 11.2% 6.5% 0.6% 0.7% 55.4% 58.1%IE Ireland 1,900 0.3% -3.0% 1.6% 1.5% 44.7% 41.6%IS Iceland 138 0.1% -1.8% 0.1% 0.1% 51.6% 50.0%IT Italy 21,232 2.5% -0.1% 17.2% 17.0% 60.5% 60.0%LI LiechtensteinLT Lithuania 99 0.1% 0.1% 57.2% 57.2%LU Luxembourg 269 0.2% 0.2% 26.7% 23.8%LV Latvia 104 14.9% 11.9% 0.1% 0.1% 46.2% 51.0%MT Malta 55 0.4% -1.6% 0.0% 0.0% 51.0% 50.4%NL The Netherlands 4,500 2.7% 0.6% 3.6% 3.6% 20.7% 19.9%NO Norway 1,760 5.2% 3.4% 1.3% 1.4% 38.9% 39.8%PL Poland 2,268 8.0% 7.2% 1.6% 1.8% 63.4% 62.4%PT Portugal 1,948 3.2% 0.0% 1.6% 1.6% 46.7% 46.6%SE Sweden 2,392 7.8% 5.6% 1.8% 1.9% 32.9% 35.8%SI Slovenia 431 13.3% 7.4% 0.3% 0.3% 38.5% 41.0%SK Slovakia 456 19.5% 10.7% 0.3% 0.4% 64.8% 67.2%TR Turkey 1,798 56.5% 30.2% 0.9% 1.4% 45.6% 49.4%

CEA 124,624 3.5% 1.2% 100% 100% 34.7% 33.9%EU (25) 117,412 2.9% 0.7% 94.8% 94.2% 34.9% 34.0%in which Euro (12) 88,948 2.6% 0.5% 72.0% 71.4% 36.4% 35.6%Others 7,212 14.7% 9.8% 5.2% 5.8% 31.2% 32.5%

(Source CEA)

Motor premium growth rate 04/03 (inflation-adjusted) (Source CEA)

1 Premium

Data 2003

Data 2003

-10%

-5%

0%

5%

10%

15%

20%

25%

30%

35%

TR CY LV SK FI DK SI PL HU CZ SE AT BE NO ES HR CEA GR NL FR PT IT DE MT CH IS IE GB EE

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 13PART D

1 Premium

Accident & Health premium (Euro million)

Country Growth rate 04/03 Share country in total Share in non-life premiumTotal Non-inflation- Inflation-

adjusted adjusted 2003 2004 2003 2004AT Austria 2,000 4.2% 2.8% 2.3% 2.2% 25.9% 25.6%BE Belgium 2,221 4.7% 3.1% 2.5% 2.4% 25.7% 25.5%BG BulgariaCH Switzerland 5,428 -0.1% -0.7% 6.3% 5.9% 41.9% 41.5%CY Cyprus 52 30.4% 26.5% 0.05% 0.1% 15.0% 16.7%CZ Czech Republic 75 9.3% 9.1% 0.1% 0.1% 3.4% 3.5%DE Germany 32,500 6.1% 5.0% 36.2% 35.5% 38.6% 39.5%DK Denmark 1,454 11.1% 8.8% 1.5% 1.6% 25.8% 26.1%EE Estonia 8 28.0% 22.2% 0.01% 0.01% 4.9% 5.9%ES Spain 4,706 8.9% 5.7% 5.1% 5.1% 18.1% 18.0%FI Finland 727 7.4% 6.4% 0.8% 0.8% 25.5% 25.8%FR France 12,400 11.1% 8.8% 13.2% 13.6% 22.3% 23.6%GB United Kingdom 9,832 11.8% 8.7% 9.9% 10.7% 12.3% 13.4%GR Greece 84 -21.5% -24.1% 0.1% 0.1% 5.9% 4.4%HR Croatia 77 6.0% 0.3% 0.1% 0.1% 11.7% 11.6%HU Hungary 57 1.7% -2.7% 0.1% 0.1% 4.2% 4.0%IE Ireland 80 3.9% 0.5% 0.1% 0.1% 1.8% 1.8%IS Iceland 28 3.8% 1.8% 0.03% 0.03% 10.2% 10.3%IT Italy 4,464 4.5% 1.9% 5.0% 4.9% 12.5% 12.6%LI LiechtensteinLT Lithuania 12 0.01% 0.01% 6.9% 6.9%LU Luxembourg 38 0.04% 0.04% 3.8% 3.4%LV Latvia 34 11.5% 8.7% 0.03% 0.04% 15.6% 16.8%MT Malta 19 3.1% 1.0% 0.02% 0.02% 17.3% 17.5%NL The Netherlands 11,200 9.0% 6.7% 12.1% 12.2% 48.5% 49.5%NO Norway 114 -2.4% -4.0% 0.1% 0.1% 2.7% 2.6%PL Poland 203 8.4% 7.6% 0.2% 0.2% 5.7% 5.6%PT Portugal 1,271 2.4% -0.8% 1.5% 1.4% 30.7% 30.4%SE Sweden 1,480 2.1% 0.0% 1.7% 1.6% 21.5% 22.2%SI Slovenia 389 -0.9% -6.0% 0.5% 0.4% 39.8% 37.0%SK Slovakia 13 0.02% 0.01% 2.2% 1.9%TR Turkey 522 32.3% 10.0% 0.4% 0.6% 15.7% 14.3%

CEA 91,491 8.0% 6.1% 100% 100% 24.4% 24.9%EU (25) 85,321 8.2% 6.3% 93.0% 93.3% 24.1% 24.7%in which Euro (12) 71,691 7.2% 5.5% 78.9% 78.4% 28.1% 28.7%Others 6,170 4.3% 2.4% 7.0% 6.7% 29.4% 27.8%

(Source CEA)

Data 2003

Data 2003

Data 2003

Accident & Health premium growth rate 04/03 (inflation-adjusted) (Source CEA)

-30%

-20%

-10%

0%

10%

20%

30%

CY EE TR CZ FR DK GB LV PL NL FI CEA ES DE BE AT IT IS MT IE HR SE CH PT HU NO SI GR

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200514 PART A PART B PART C

Liability premium (Euro million)

Country Growth rate 04/03 Share country in total Share in non-life premiumTotal Non-inflation- Inflation-

adjusted adjusted 2003 2004 2003 2004AT Austria 565 5.4% 4.0% 1.8% 1.7% 7.2% 7.2%BE Belgium 663 4.1% 2.5% 2.1% 2.0% 7.7% 7.6%BG BulgariaCH Switzerland 1,319 5.3% 4.8% 4.1% 4.1% 9.6% 10.1%CY Cyprus 22 20.4% 16.8% 0.1% 0.1% 7.1% 7.2%CZ Czech Republic 272 10.2% 10.1% 0.8% 0.8% 12.2% 12.6%DE Germany 7,400 3.7% 2.7% 23.7% 22.8% 9.0% 9.0%DK Denmark 229 12.1% 9.8% 0.7% 0.7% 4.0% 4.1%EE Estonia 4 12.0% 6.9% 0.01% 0.01% 2.4% 2.6%ES Spain 1,700 27.8% 24.2% 4.4% 5.2% 5.6% 6.5%FI Finland 144 -10.0% -10.8% 0.5% 0.4% 6.0% 5.1%FR France 5,400 8.7% 6.5% 16.5% 16.6% 9.9% 10.3%GB United Kingdom 9,119 5.0% 2.1% 27.5% 28.1% 12.1% 12.4%GR Greece 51 27.5% 23.2% 0.1% 0.2% 2.2% 2.7%HR Croatia 23 14.5% 8.3% 0.1% 0.1% 3.2% 3.4%HU Hungary 65 12.9% 8.1% 0.2% 0.2% 4.3% 4.6%IE Ireland 1,020 18.6% 14.8% 2.9% 3.1% 20.3% 22.3%IS Iceland 19 3.2% 1.2% 0.1% 0.1% 6.9% 6.8%IT Italy 2,999 7.2% 4.4% 9.3% 9.2% 8.2% 8.5%LI LiechtensteinLT Lithuania 8 0.03% 0.02% 4.5% 4.5%LU Luxembourg 59 0.2% 0.2% 5.9% 5.2%LV Latvia 13 -30.2% -32.0% 0.1% 0.04% 9.7% 6.5%MT Malta 6 10.6% 8.4% 0.02% 0.02% 5.0% 5.5%NL The Netherlands 800 5.7% 3.5% 2.5% 2.5% 3.6% 3.5%NO Norway 138 6.0% 4.3% 0.4% 0.4% 3.0% 3.1%PL Poland 154 22.8% 21.9% 0.4% 0.5% 3.8% 4.2%PT Portugal 95 18.7% 15.0% 0.3% 0.3% 2.0% 2.3%SE Sweden 50 -82.4% -82.8% 0.9% 0.2% 4.2% 0.7%SI Slovenia 33 14.9% 9.0% 0.1% 0.1% 2.9% 3.1%SK Slovakia 23 0.1% 0.1% 3.9% 3.5%TR Turkey 64 44.3% 20.0% 0.1% 0.2% 1.8% 1.7%

CEA 32,455 7.9% 5.7% 100% 100% 8.7% 8.8%EU (25) 30,893 7.8% 5.6% 95.2% 95.2% 8.8% 8.9%in which Euro (12) 20,896 7.9% 6.0% 64.3% 64.4% 8.1% 8.4%Others 1,562 8.9% 7.5% 4.8% 4.8% 7.1% 7.0%

(Source CEA)

1 Premium

Liability premium growth rate 04/03 (inflation-adjusted) (Source CEA)

-90%

-70%

-50%

-30%

-10%

10%

30%

ES GR PL TR CY PT IE CZ DK SI MT HR HU EE FR CEA CH IT NO AT NL DE BE GB IS FI LV SE

Data 2003

Data 2003

Data 2003

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 15PART D

1 Premium

Legal Expenses premium (Euro million)

Country Growth rate 04/03 Share country in total Share in non-life premiumTotal Non-inflation- Inflation-

adjusted adjusted 2003 2004 2003 2004AT Austria 331 5.4% 4.0% 6.0% 6.1% 4.2% 4.2%BE Belgium 270 3.1% 1.5% 5.0% 5.0% 3.2% 3.1%BG BulgariaCH Switzerland 187 3.7% 3.1% 3.4% 3.4% 1.4% 1.4%CY CyprusCZ Czech Republic 6 16.0% 15.8% 0.1% 0.1% 0.3% 0.3%DE Germany 2,900 2.6% 1.6% 54.2% 53.2% 3.6% 3.5%DK Denmark 2 25.0% 22.4% 0.03% 0.04% 0.03% 0.04%EE EstoniaES Spain 100 11.1% 7.9% 1.7% 1.8% 0.4% 0.4%FI Finland 40 2.6% 1.7% 0.7% 0.7% 1.5% 1.4%FR France 500 -2.9% -4.9% 9.9% 9.2% 1.0% 1.0%GB United Kingdom 285 8.7% 5.7% 4.8% 5.2% 0.4% 0.4%GR Greece 30 20.0% 16.0% 0.5% 0.6% 1.4% 1.6%HR CroatiaHU Hungary 2 90.8% 82.7% 0.02% 0.03% 0.1% 0.1%IE IrelandIS IcelandIT Italy 205 11.4% 8.6% 3.5% 3.8% 0.5% 0.6%LI LiechtensteinLT LithuaniaLU Luxembourg 12 0.2% 0.2% 1.2% 1.1%LV LatviaMT MaltaNL The Netherlands 400 6.7% 4.4% 7.2% 7.3% 1.8% 1.8%NO NorwayPL Poland 163 25.9% 24.9% 2.3% 3.0% 3.9% 4.5%PT Portugal 10 13.6% 10.0% 0.2% 0.2% 0.2% 0.2%SE SwedenSI Slovenia 2 297.8% 277.2% 0.01% 0.03% 0.04% 0.2%SK Slovakia 1 0.03% 0.03% 0.2% 0.2%TR Turkey 7 107.2% 72.4% 0.1% 0.1% 0.1% 0.2%

CEA 5,453 4.6% 3.1% 100% 100% 1.5% 1.5%EU (25) 5,258 4.5% 3.0% 96.5% 96.4% 1.5% 1.5%in which Euro (12) 4,798 3.1% 1.7% 89.2% 88.0% 2.0% 1.9%Others 195 7.7% 6.7% 3.5% 3.6% 0.9% 0.9%

(Source CEA)

Data 2003

Data 2003

Legal expenses premium growth rate 04/03 (inflation-adjusted) (Source CEA)277.2%

-10%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

SI HU TR PL DK GR CZ PT IT ES GB NL AT CEA CH FI DE BE FR

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200516 PART A PART B PART C

Property premium (Euro million)

Country Growth rate 04/03 Share country in total Share in non-life premiumTotal Non-inflation- Inflation-

adjusted adjusted 2003 2004 2003 2004AT Austria 1,804 5.0% 3.6% 2.4% 2.3% 23.1% 23.1%BE Belgium 1,908 6.8% 5.1% 2.5% 2.5% 21.6% 21.9%BG BulgariaCH Switzerland 2,343 1.4% 0.9% 3.1% 3.0% 17.8% 17.9%CY Cyprus 72 19.0% 15.4% 0.1% 0.1% 23.1% 23.4%CZ Czech Republic 532 4.0% 3.9% 0.7% 0.7% 25.2% 24.7%DE Germany 14,300 3.3% 2.3% 19.2% 18.6% 17.4% 17.4%DK Denmark 1,911 8.6% 6.4% 2.4% 2.5% 34.7% 34.3%EE Estonia 38 31.8% 25.8% 0.0% 0.0% 21.9% 27.3%ES Spain 5,600 12.0% 8.8% 6.9% 7.3% 21.0% 21.4%FI Finland 638 4.6% 3.7% 0.8% 0.8% 23.0% 22.6%FR France 12,400 4.6% 2.5% 16.5% 16.1% 23.7% 23.6%GB United Kingdom 17,957 3.9% 1.1% 22.9% 23.3% 24.1% 24.4%GR Greece 422 9.3% 5.6% 0.5% 0.5% 21.4% 22.3%HR Croatia 135 7.5% 1.7% 0.2% 0.2% 20.2% 20.2%HU Hungary 425 -3.0% -7.1% 0.6% 0.6% 32.5% 29.7%IE Ireland 1,320 14.0% 10.3% 1.6% 1.7% 27.3% 28.9%IS Iceland 68 11.4% 9.2% 0.1% 0.1% 22.8% 24.6%IT Italy 4,446 6.0% 3.3% 5.8% 5.8% 12.3% 12.6%LI LiechtensteinLT Lithuania 30 0.04% 0.04% 17.3% 17.3%LU Luxembourg 157 0.2% 0.2% 15.6% 13.9%LV Latvia 31 -3.6% -6.1% 0.04% 0.04% 16.4% 15.2%MT Malta 23 0.5% -1.5% 0.03% 0.03% 21.3% 21.1%NL The Netherlands 3,500 5.6% 3.4% 4.6% 4.5% 15.6% 15.5%NO Norway 1,623 5.1% 3.4% 2.1% 2.1% 35.9% 36.7%PL Poland 670 7.6% 6.8% 0.8% 0.9% 18.8% 18.4%PT Portugal 660 5.8% 2.5% 0.9% 0.9% 15.4% 15.8%SE Sweden 2,614 1.7% -0.3% 3.6% 3.4% 38.1% 39.1%SI Slovenia 146 7.5% 1.9% 0.2% 0.2% 13.7% 13.9%SK Slovakia 143 0.2% 0.2% 23.9% 21.1%TR Turkey 1,063 52.5% 26.9% 0.9% 1.4% 27.7% 29.2%

CEA 76,979 6.9% 4.5% 100% 100% 20.7% 20.9%EU (25) 71,747 6.4% 4.2% 93.6% 93.2% 20.6% 20.7%in which Euro (12) 47,155 5.6% 3.7% 62.0% 61.3% 18.7% 18.9%Others 5,231 13.9% 9.7% 6.4% 6.8% 22.8% 23.6%

(Source CEA)

1 Premium

Data 2003

Data 2003

Data 2003

Property premium growth rate 04/03 (inflation-adjusted) (Source CEA)

-10%

-5%

0%

5%

10%

15%

20%

25%

30%

TR EE CY IE IS ES PL DK GR BE CEA CZ FI AT NL NO IT PT FR DE SI HR GB CH SE MT LV HU

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 17PART D

1 Premium

Marine Aviation Transport premium (Euro million)

Country Growth rate 04/03 Share country in total Share in non-life premiumTotal Non-inflation- Inflation-

adjusted adjusted 2003 2004 2003 2004AT Austria 142 5.2% 3.8% 0.8% 0.7% 1.8% 1.8%BE Belgium 222 2.8% 1.2% 1.3% 1.2% 2.6% 2.5%BG BulgariaCH Switzerland 321 2.1% 1.6% 1.9% 1.7% 2.4% 2.5%CY Cyprus 26 0.0% -3.0% 0.2% 0.1% 9.8% 8.4%CZ Czech Republic 21 -7.3% -7.5% 0.1% 0.1% 1.1% 1.0%DE Germany 1,900 1.1% 0.1% 11.3% 10.0% 2.4% 2.3%DK Denmark 125 4.4% 2.2% 0.7% 0.7% 2.4% 2.2%EE Estonia 4 6.7% 1.8% 0.02% 0.02% 2.9% 2.9%ES Spain 600 8.9% 5.8% 3.3% 3.2% 2.3% 2.3%FI Finland 112 -0.9% -1.8% 0.7% 0.6% 4.3% 4.0%FR France 1,200 -2.4% -4.3% 7.4% 6.3% 2.5% 2.3%GB United Kingdom 11,956 17.4% 14.2% 58.5% 63.0% 14.2% 16.2%GR Greece 68 4.6% 1.1% 0.4% 0.4% 3.6% 3.6%HR Croatia 32 -10.9% -15.7% 0.2% 0.2% 5.9% 4.9%HU Hungary 13 -4.0% -8.1% 0.1% 0.1% 1.0% 0.9%IE IrelandIS Iceland 23 1.5% -0.5% 0.1% 0.1% 8.5% 8.3%IT Italy 740 0.1% -2.4% 4.4% 3.9% 2.2% 2.1%LI LiechtensteinLT Lithuania 2 0.01% 0.01% 1.1% 1.1%LU Luxembourg 355 2.1% 1.9% 35.2% 31.4%LV Latvia 13 -12.9% -15.1% 0.1% 0.1% 7.3% 6.1%MT Malta 6 4.2% 2.1% 0.03% 0.03% 5.3% 5.5%NL The Netherlands 630 5.4% 3.2% 3.6% 3.3% 2.8% 2.8%NO NorwayPL Poland 67 7.0% 6.2% 0.4% 0.4% 1.9% 1.8%PT Portugal 81 -7.1% -10.0% 0.5% 0.4% 2.1% 1.9%SE Sweden 133 -5.1% -7.1% 0.8% 0.7% 2.1% 2.0%SI Slovenia 13 7.1% 1.6% 0.1% 0.1% 1.2% 1.2%SK Slovakia 3 0.02% 0.02% 0.5% 0.5%TR Turkey 166 5.8% -11.9% 0.9% 0.9% 6.2% 4.6%

CEA 18,974 17.8% 11.3% 100% 100% 4.8% 5.2%EU (25) 18,431 14.4% 11.7% 96.9% 97.1% 4.9% 5.3%in which Euro (12) 6,050 1.4% -0.4% 35.9% 31.9% 2.5% 2.4%Others 543 5.9% -0.6% 3.1% 2.9% 2.5% 2.4%

(Source CEA)

Marine Aviation Transport premium growth rate 04/03 (inflation-adjusted) (Source CEA)

-20%

-15%

-10%

-5%

0%

5%

10%

15%

GB CEA PL ES AT NL DK MT EE SI CH BE GR DE IS FI IT CY FR SE CZ HU PT TR LV HR

Data 2003

Data 2003

Data 2003

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200518 PART A PART B PART C

Other premium (Euro million)

Country Growth rate 04/03 Share country in total Share in non-life premiumTotal Non-inflation- Inflation-

adjusted adjusted 2003 2004 2003 2004AT Austria 225 5.6% 4.3% 1.2% 1.3% 2.9% 2.9%BE Belgium 428 6.5% 4.8% 2.2% 2.4% 4.9% 4.9%BG BulgariaCH Switzerland 341 6.3% 5.7% 1.7% 1.9% 2.5% 2.6%CY Cyprus 6 2.9% -0.1% 0.03% 0.03% 2.2% 1.9%CZ Czech Republic 119 1.3% 1.1% 0.63% 0.67% 5.8% 5.5%DE Germany 800 -0.4% -1.3% 4.4% 4.5% 1.0% 1.0%DK Denmark 196 8.6% 6.3% 1.0% 1.1% 3.6% 3.5%EE Estonia 2 -22.2% -25.8% 0.01% 0.01% 1.8% 1.3%ES Spain 2,154 10.7% 7.6% 10.7% 12.2% 8.2% 8.2%FI Finland 113 14.1% 13.1% 0.5% 0.6% 3.7% 4.0%FR France 3,200 1.9% -0.2% 17.3% 18.1% 6.3% 6.1%GB United Kingdom 5,640 -16.2% -18.4% 35.3% 31.9% 9.4% 7.7%GR Greece 88 14.3% 10.4% 0.4% 0.5% 4.3% 4.7%HR Croatia 16 13.0% 6.9% 0.1% 0.1% 2.3% 2.4%HU Hungary 37 6.2% 1.7% 0.2% 0.2% 2.6% 2.6%IE Ireland 250 0.0% -3.2% 1.4% 1.4% 5.9% 5.5%IS IcelandIT Italy 1,325 0.5% -2.1% 7.2% 7.5% 3.9% 3.7%LI LiechtensteinLT Lithuania 23 0.1% 0.1% 13.1% 13.1%LU LuxembourgLV Latvia 9 -6.0% -8.4% 0.05% 0.05% 4.7% 4.3%MT MaltaNL The Netherlands 1,600 6.7% 4.4% 8.2% 9.0% 7.1% 7.1%NO Norway 786 -5.7% -7.2% 4.4% 4.4% 19.4% 17.8%PL Poland 109 28.3% 27.3% 0.4% 0.6% 2.6% 3.0%PT Portugal 119 3.2% 0.0% 0.6% 0.7% 2.8% 2.8%SE Sweden 10 -88.5% -88.7% 0.5% 0.05% 1.2% 0.1%SI Slovenia 38 2.2% -3.1% 0.2% 0.2% 3.8% 3.6%SK Slovakia 26 0.1% 0.1% 4.4% 3.9%TR Turkey 20 -72.9% -77.5% 0.4% 0.1% 3.0% 0.6%

CEA 17,680 -2.9% -3.8% 100% 100% 5.2% 4.8%EU (25) 16,516 -2.8% -4.4% 93.4% 93.4% 5.2% 4.8%in which Euro (12) 10,302 3.2% 2.1% 54.8% 58.3% 4.2% 4.1%Others 1,164 -3.5% 4.9% 6.6% 6.6% 6.0% 5.2%

(Source CEA)

1 Premium

Data 2002

Data 2002

Other premium growth rate 04/03 (inflation-adjusted) (Source CEA)

-90%

-70%

-50%

-30%

-10%

10%

30%

50%

PL FI GR ES HR DK CH BE NL AT HU CZ PT CY FR DE IT SI IE CEA NO LV GB EE TR SE

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 19PART D

Total investments (Euro million)Country Growth rate 04/03 Share country in total

Total Non-inflation- Inflation-adjusted adjusted 2003 2004

AT Austria 55,953 1.0% 1.0%BE Belgium 146,445 13.9% 12.1% 2.4% 2.5%BG BulgariaCH Switzerland 283,114 3.2% 2.6% 5.0% 4.8%CY Cyprus 1,544 7.1% 3.9% 0.03% 0.03%CZ Czech Republic 6,775 0.1% 0.1%DE Germany 1,110,000 4.8% 3.7% 19.6% 19.0%DK Denmark 167,795 8.2% 6.0% 2.9% 2.9%EE EstoniaES Spain 132,000 8.7% 5.5% 2.2% 2.3%FI Finland 89,069 8.7% 7.8% 1.5% 1.5%FR France 1,124,700 10.7% 8.5% 18.8% 19.2%GB United Kingdom 1,606,855 7.0% 4.1% 26.5% 27.4%GR Greece 7,500 8.3% 4.6% 0.1% 0.1%HR Croatia 1,492 11.8% 5.8% 0.02% 0.03%HU Hungary 4,109 0.1% 0.1%IE Ireland 55,000 1.5% -1.8% 1.0% 0.9%IS IcelandIT Italy 410,677 12.4% 9.5% 6.8% 7.0%LI Liechtenstein 3,547 43.2% 42.4% 0.04% 0.1%LT Lithuania 300 0.01% 0.01%LU Luxembourg 30,357 0.6% 0.5%LV Latvia 187 8.5% 5.7%MT Malta 604 0.0% -2.0% 0.01% 0.01%NL The Netherlands 280,000 4.7% 2.5% 4.9% 4.8%NO Norway 69,848 1.3% 1.2%PL Poland 15,617 10.2% 9.3% 0.2% 0.3%PT Portugal 31,900 12.0% 8.6% 0.5% 0.5%SE Sweden 208,825 -8.4% -10.3% 4.2% 3.6%SI Slovenia 4,132 15.6% 9.6% 0.1% 0.1%SK Slovakia 1,427 0.03% 0.02%TR Turkey 5,062 36.0% 13.1% 0.1% 0.1%

CEA 5,854,834 8.2% 6.1% 100% 100%EU (25) 5,491,771 8.4% 6.2% 93.6% 93.8%in which Euro (12) 3,473,601 8.0% 6.2% 59.4% 59.3%Others 363,062 4.8% 4.1% 6.4% 6.2%

(Source CEA)

Data 2003

Data 2003

Data 2003

Data 2003

Data 2003

Data 2003

Data 2003

Investments growth rate 04/03 (inflation-adjusted) (Source CEA)

-20%

-10%

0%

10%

20%

30%

40%

50%

60%

LI TR BE SI IT PL PT FR FI CEA DK HR LV ES GR GB CY DE CH NL IS IE MT SE

Total Life Non-life

Investments2 THE EUROPEAN INSURANCE INDUSTRY

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200520 PART A PART B PART C

Life investments (Euro million)

Country Growth rate 04/03 Share country in total Share in total investmentsTotal Non-inflation- Inflation-

adjusted adjusted 2003 2004 2003 2004AT Austria 40,625 0.9% 0.9% 72.6% 72.6%BE Belgium 114,227 14.7% 12.9% 2.3% 2.4% 77.5% 78.0%BG BulgariaCH Switzerland 204,136 2.5% 1.9% 4.5% 4.3% 72.6% 72.1%CY Cyprus 1,297 0.8% -2.2% 0.03% 0.03% 89.2% 84.0%CZ Czech RepublicDE Germany 623,000 2.2% 1.2% 13.9% 13.2% 57.5% 56.1%DK Denmark 150,278 8.0% 5.8% 3.2% 3.2% 89.7% 89.6%EE EstoniaES Spain 99,000 8.7% 5.5% 2.1% 2.1% 75.0% 75.0%FI Finland 80,203 8.9% 8.0% 1.7% 1.7% 89.9% 90.0%FR France 981,200 10.2% 8.0% 20.4% 20.7% 87.6% 87.2%GB United Kingdom 1,494,375 7.1% 4.2% 30.5% 31.6% 92.9% 93.0%GR Greece 3,900 0.1% 0.1% 56.3% 52.0%HR Croatia 565 15.0% 8.8% 0.01% 0.01% 36.9% 37.9%HU HungaryIE Ireland 45,232 1.5% -1.8% 1.0% 1.0% 82.2% 82.2%IS IcelandIT Italy 338,812 13.7% 10.8% 6.8% 7.2% 81.5% 82.5%LI Liechtenstein 2,945 0.1% 83.0%LT Lithuania 92 0.0% 0.0% 30.7% 30.7%LU Luxembourg 28,107 0.6% 0.6% 92.6% 92.6%LV Latvia 43 -14.2% -16.4% 29.0% 23.0%MT Malta 484 0.0% -2.0% 0.01% 0.01% 80.2% 80.2%NL The Netherlands 250,000 4.9% 2.8% 5.5% 5.3% 89.0% 89.3%NO Norway 56,514 1.3% 1.2% 80.9% 80.9%PL Poland 10,049 12.0% 11.2% 0.2% 0.2% 63.3% 64.3%PT Portugal 26,500 14.3% 10.8% 0.5% 0.6% 81.4% 83.1%SE Sweden 171,418 -10.4% -12.2% 4.4% 3.6% 83.9% 82.1%SI Slovenia 2,218 11.6% 5.9% 0.04% 0.05% 55.6% 53.7%SK Slovakia 1,094 0.03% 0.02% 76.6% 76.6%TR Turkey 2,950 43.8% 19.7% 0.04% 0.1% 55.1% 58.3%

CEA 4,729,265 8.2% 6.0% 100% 100% 80.8% 80.8%EU (25) 4,462,155 8.4% 6.1% 94.2% 94.4% 81.3% 81.3%in which Euro (12) 2,630,806 7.8% 5.9% 55.8% 55.6% 75.9% 75.7%Others 267,110 4.9% 4.3% 5.8% 5.6% 73.5% 73.6%

(Source CEA)

Share Life and Non-life investments 2004 (Source CEA)

2 Investments

Data 2003

Data 2003

Data 2003

Data 2003

Data 2003

Data 2003

Non-life Life

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

GB LU FI DK CY NL FR SE IE IT PT NO CEA MT BE SK ES CH AT PL DE GR SI TR HR LT LV

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 21PART D

Non-life investments (Euro million)

Country Growth rate 04/03 Share country in total Share in total investmentsTotal Non-inflation- Inflation-

adjusted adjusted 2003 2004 2003 2004AT Austria 15,328 1.5% 1.4% 27.4% 27.4%BE Belgium 32,218 11.2% 9.4% 2.8% 2.9% 22.5% 22.0%BG BulgariaCH Switzerland 78,977 5.2% 4.6% 7.2% 7.1% 27.4% 27.9%CY Cyprus 247 58.9% 54.1% 0.02% 0.02% 10.8% 16.0%CZ Czech RepublicDE Germany 487,000 8.2% 7.1% 44.0% 43.8% 42.5% 43.9%DK Denmark 17,517 9.9% 7.7% 1.6% 1.6% 10.3% 10.4%EE EstoniaES Spain 33,000 8.7% 5.5% 3.0% 3.0% 25.0% 25.0%FI Finland 8,866 6.9% 5.9% 0.8% 0.8% 10.1% 10.0%FR France 143,500 14.2% 11.9% 12.3% 12.9% 12.4% 12.8%GB United Kingdom 112,480 6.0% 3.1% 9.9% 10.1% 7.1% 7.0%GR GreeceHR Croatia 926 10.0% 4.1% 0.1% 0.1% 63.1% 62.1%HU HungaryIE Ireland 9,768 1.5% -1.8% 0.9% 0.9% 17.8% 17.8%IS IcelandIT Italy 71,865 6.5% 3.8% 6.6% 6.5% 18.5% 17.5%LI Liechtenstein 602 0.05% 16.98%LT Lithuania 208 0.02% 0.02% 69.3% 69.3%LU Luxembourg 2,250 0.2% 0.2% 7.4% 7.4%LV Latvia 144 17.7% 14.7% 0.01% 0.01% 71.0% 77.0%MT Malta 120 0.0% -2.0% 0.01% 0.01% 19.8% 19.8%NL The Netherlands 30,000 2.3% 0.2% 2.9% 2.7% 11.0% 10.7%NO Norway 14,987 8.9% 7.1% 1.3% 1.3% 19.1% 21.5%PL Poland 5,567 7.0% 6.2% 0.5% 0.5% 36.7% 35.7%PT Portugal 5,400 2.0% -1.2% 0.5% 0.5% 18.6% 16.9%SE Sweden 37,407 1.8% -0.3% 3.6% 3.4% 16.1% 17.9%SI Slovenia 1,740 9.6% 4.0% 0.2% 0.2% 44.4% 42.1%SK Slovakia 334 0.03% 0.03% 23.4% 23.4%TR Turkey 2,112 26.3% 5.1% 0.2% 0.2% 44.9% 41.7%

CEA 1,112,563 8.7% 7.0% 100% 100% 18.9% 19.0%EU (25) 1,014,958 8.6% 6.9% 91.3% 91.2% 18.4% 18.5%in which Euro (12) 839,195 8.6% 7.0% 75.5% 75.4% 24.0% 24.2%Others 97,605 9.1% 7.9% 8.7% 8.8% 25.8% 26.9%

(Source CEA)

2 Investments

Data 2003

Data 2003

Data 2003

Data 2003

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200522 PART A PART B PART C

Country Companies EmployeesNumber Growth rate Number Growth rate

AT Austria 73 2.8% 26,106 Data 2003BE Belgium 181 -4.2% 23,752 -1.0%

BG BulgariaCH Switzerland 141 42,000 -5.6%

CY Cyprus 33 -2.9% 1,691 1.6%CZ Czech Republic 41 -2.4% 14,469 -7.6%

DE Germany 677 -3.7% 241,900 -1.0%DK Denmark 210 -1.9% 11,300 0.0%

EE Estonia 13 Data 2003 1,458 Data 2003ES Spain 325 -0.9% 45,700 0.2%

FI Finland 68 11,700 -0.2%FR France 480 -1.2% 138,300 -0.1%

GB United Kingdom 772 205,300 -2.8%GR Greece 100 0.0% 9,500

HR Croatia 22 -12.0% 6,190 -0.1%HU Hungary 28 28,926 3.1%

IE Ireland 224 15,000IS Iceland 11 600

IT Italy 245 -1.6% 38,474 -2.0%LI Liechtenstein 30 30.4%

LT Lithuania 28 Data 2003 6,500 Data 2003LU Luxembourg 95 Data 2003 2,702 1.1%

LV Latvia 17 -10.5% 2,800 56.4%MT Malta 19 5.6% 840 -5.4%

NL The Netherlands 430 -2.9% 48,000NO Norway 96 Data 2003 8,700 Data 2003

PL Poland 74 -3.9% 28,000 -8.3%PT Portugal 71 -4.1% 12,500 -0.6%

SE Sweden 428 -2.7% 18,973SI Slovenia 16 6.7% 5,800 5.1%

SK Slovakia 26 -7.1% 6,743 Data 2003TR Turkey 53 -3.6% 11,826 3.5%

CEA 5,027 -1.6% 1,015,750 -1.3%EU (25) 4,674 -1.8% 946,434 -1.2%

in which Euro (12) 2,969 -2.0% 613,634 -0.6%Others 353 0.6% 69,316 -3.0%

(Source CEA)

Employees and companies3 THE EUROPEAN INSURANCE INDUSTRY

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 23PART D

100

200

300

400

500

600

700

800

GB DE FR NL SE ES IT IE DK BE CH

30

40

50

60

70

80

90

100

GR NO LU PL AT PT FI TR CZ CY

0

5

10

15

20

25

30

LI HU LT SK HR MT LV SI EE IS

Number of companies (Source CEA)

50,000

100,000

150,000

200,000

250,000

DE GB FR10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000

50,000

NL ES CH IT HU PL AT BE SE IE CZ PT TR FI DK

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

10,000

GR NO SK LT HR SI LV LU CY EE MT IS

Number of employees (Source CEA)

26 1- Country guide 2003

27 2- Country guide 2004

COUNTRY GUIDEPART BPAGE

25

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200526 PART A PART B PART C

Number Euro millionNumber of Number of Premium Life Non-life Investments Life Non-lifecompanies employees income premium premium investments investments

Country income incomeAT Austria 71 26,106 13,129 5,705 7,424 55,953 40,625 15,328BE Belgium 189 23,991 25,784 17,524 8,260 128,595 99,610 28,985BG BulgariaCH Switzerland 141 44,514 33,907 21,154 12,753 269,399 195,688 73,712CY Cyprus 34 1,665 527 265 262 1,431 1,277 154CZ Czech Republic 42 15,658 3,286 1,291 1,994 6,775DE Germany 703 244,300 147,110 67,656 79,454 1,059,512 609,337 450,175DK Denmark 214 11,298 14,754 9,676 5,078 155,037 139,097 15,939EE Estonia 13 1,458 168 37 131ES Spain 328 45,626 41,600 17,743 23,857 121,481 91,111 30,370FI Finland 68 11,720 12,674 10,019 2,655 81,933 73,638 8,295FR France 486 138,500 142,028 92,022 50,006 1,015,888 890,247 125,641GB United Kingdom 772 211,300 206,351 138,018 68,333 1,433,200 1,331,914 101,286GR Greece 100 9,500 3,235 1,435 1,800 6,928 3,900HR Croatia 25 6,194 792 176 616 1,320 486 833HU Hungary 28 28,069 2,206 885 1,321 4,109IE Ireland 224 15,227 11,884 7,644 4,240 54,201 44,575 9,626IS Iceland 11 600 294 28 266IT Italy 249 39,262 96,993 62,780 34,213 365,385 297,899 67,486LI Liechtenstein 23 723 2,235LT Lithuania 28 6,500 236 62 174 300 92 208LU Luxembourg 95 2,673 7,333 6,325 1,008 30,357 28,107 2,250LV Latvia 19 1,790 195 8 187 165 48 117MT Malta 18 888 216 111 105 591 474 117NL The Netherlands 443 48,000 46,042 24,838 21,204 267,539 238,222 29,317NO Norway 96 8,700 9,498 5,332 4,165 69,848 56,514 13,334PL Poland 77 30,537 5,646 2,538 3,108 13,302 8,418 4,883PT Portugal 74 12,575 9,444 5,402 4,043 28,470 23,177 5,294SE Sweden 440 18,973 19,264 12,503 6,761 228,466 191,631 36,836SI Slovenia 15 5,521 1,275 305 970 3,514 1,954 1,560SK Slovakia 28 6,743 1,008 410 598 1,427 1,094 334TR Turkey 55 11,426 2,938 608 2,330 3,443 1,897 1,546

CEA 5,109 1,029,314 860,541 512,502 347,316 5,410,804 4,371,031 1,023,626

(Source CEA)

20031 COUNTRY GUIDE

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 27PART D

Number Euro millionNumber of Number of Premium Life Non-life Investments Life Non-lifecompanies employees income premium premium investments investments

Country income incomeAT Austria 73 26,106 13,989 6,188 7,801 55,953 40,625 15,328BE Belgium 181 23,752 28,482 19,772 8,710 146,445 114,227 32,218BG BulgariaCH Switzerland 141 42,000 33,318 20,246 13,071 283,114 204,136 78,977CY Cyprus 33 1,691 575 266 310 1,544 1,297 247CZ Czech Republic 41 14,469 3,561 1,411 2,150 6,775 0 0DE Germany 677 241,900 150,400 68,200 82,200 1,110,000 623,000 487,000DK Denmark 210 11,300 15,935 10,363 5,572 167,795 150,278 17,517EE Estonia 13 1,458 189 50 139 0 0 0ES Spain 325 45,700 44,842 18,706 26,136 132,000 99,000 33,000FI Finland 68 11,700 13,217 10,401 2,817 89,069 80,203 8,866FR France 480 138,300 156,800 104,200 52,600 1,124,700 981,200 143,500GB United Kingdom 772 205,300 230,330 156,707 73,622 1,606,855 1,494,375 112,480GR Greece 100 9,500 3,620 1,729 1,891 7,500 3,900 0HR Croatia 22 6,190 875 207 667 1,492 565 926HU Hungary 28 28,926 2,411 980 1,431 4,109 0 0IE Ireland 224 15,000 12,749 8,179 4,570 55,000 45,232 9,768IS Iceland 11 600 305 30 275 0 0 0IT Italy 245 38,474 101,038 65,627 35,411 410,677 338,812 71,865LI Liechtenstein 30 0 1,673 1,539 134 3,547 2,945 602LT Lithuania 28 6,500 236 62 174 300 92 208LU Luxembourg 95 2,702 9,004 7,875 1,129 30,357 28,107 2,250LV Latvia 17 2,800 214 11 204 187 43 144MT Malta 19 840 229 120 109 604 484 120NL The Netherlands 430 48,000 48,530 25,900 22,630 280,000 250,000 30,000NO Norway 96 8,700 11,202 6,780 4,422 69,848 56,514 14,987PL Poland 74 28,000 6,679 3,046 3,633 15,617 10,049 5,567PT Portugal 71 12,500 10,432 6,250 4,182 31,900 26,500 5,400SE Sweden 428 18,973 19,265 12,585 6,680 208,825 171,418 37,407SI Slovenia 16 5,800 1,486 435 1,051 4,132 2,218 1,740SK Slovakia 26 6,743 1,140 462 678 1,427 1,094 334TR Turkey 53 11,826 4,419 779 3,641 5,062 2,950 2,112

CEA 5,027 1,015,750 927,146 559,106 368,040 5,854,834 4,729,265 1,112,563

(Source CEA)Estimate

20042 COUNTRY GUIDE

INSURANCE DATAPART CPAGE

30 1- Number of companies

31 2- Number of employees

32 3- Total premium

33 4- Life premium

34 5- Non-life premium

35 6- Total investments

36 7- Life investments

37 8- Non-life investments

38 9- Life provisions

39 10- Non-life provisions

40 11- Motor premium

41 12- Accident & health premium

42 13- Liability premium

43 14- Legal expenses premium

44 15- Property premium

45 16- MAT premium

29

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200530 PART A PART B PART C

Country 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004AT 75 74 78 78 77 77 77 77 73 72 71 73

BE 266 252 255 257 242 234 222 210 204 201 189 181BG 24

CH 125 128 127 132 136 138 138 144 142 143 141 141CY 43 46 44 38 39 41 41 38 36 36 34 33

CZ 20 27 35 35 40 40 42 41 43 42 42 41DE 739 742 766 719 715 719 725 706 694 703 703 677

DK 248 250 265 266 264 260 288 250 241 226 214 210EE 22 23 23 21 15 14 14 13 13 13

ES 415 417 379 374 368 378 370 354 342 334 328 325FI 58 57 58 57 62 63 65 65 69 68 68 68

FR 599 577 571 570 543 539 525 527 504 495 486 480GB 828 821 826 814 841 832 829 822 808 806 772 772

GR 156 149 141 139 130 126 114 110 107 102 100 100HR 22 25 27 25 24 25 22

HU 13 13 14 18 19 23 21 22 23 28 28 28IE 108 122 139 145 152 161 183 191 196 199 224 224

IS 26 18 18 18 15 14 13 13 11 10 11 11IT 274 265 261 271 261 253 250 252 256 254 249 245LI 9 10 14 19 21 23 30

LT 33 35 36 36 32 32 31 33 31 30 28 28LU 73 76 81 90 91 93 94 93 93 95 95 95

LV 0 42 37 30 28 29 27 25 21 20 19 17MT 21 21 27 24 23 19 18 18 19

NL 491 492 491 503 499 521 517 482 472 453 443 430NO 95 95 94 80 87 87 83 82 96 96 96 96

PL 28 34 39 42 50 54 60 65 71 74 77 74PT 87 87 87 89 97 96 92 88 86 81 74 71

SE 510 494 496 492 490 492 473 482 461 448 440 428SI 10 10 13 12 14 14 14 14 14 14 15 16

SK 9 11 15 19 23 26 27 29 28 27 28 26TR 53 52 54 58 60 65 63 63 63 58 55 53

(estimate)

Number of companies1 INSURANCE DATA

-0.68% -0.71%

0.63%

-0.68%

-0.13%

0.66%

-0.51%

-1.87%-1.76%

-1.35%

-2.03%

-1.61%

4,700

4,800

4,900

5,000

5,100

5,200

5,300

5,400

5,500

5,600

19921993

19941995

19961997

19981999

20002001

20022003

2004-2.5%

-2.0%

-1.5%

-1.0%

-0.5%

0.0%

0.5%

1.0%

Number of companies Growth

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 31PART D

Country 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004AT 31,540 31,430 30,646 30,269 30,598 29,166 27,642 28,530 27,359 25,925 26,106 26,106

BE 27,007 25,969 25,501 25,070 25,262 25,313 25,256 24,898 25,486 25,117 23,991 23,752BG 0 0 0 0 0 0 0 0 0 0 0 0

CH 48,319 47,654 47,273 47,510 48,110 48,937 47,859 49,366 48,171 46,175 44,514 42,000CY 1,200 1,400 1,300 1,300 1,350 1,400 1,444 1,607 1,650 1,660 1,665 1,691

CZ 10,648 12,100 13,400 15,000 16,319 16,337 16,408 16,112 15,718 15,740 15,658 14,469DE 255,900 250,000 245,600 241,700 239,300 238,800 239,600 240,200 245,400 248,100 244,300 241,900

DK 12,728 13,172 12,432 12,626 13,614 13,600 15,605 13,384 13,692 13,516 11,298 11,300EE 0 0 700 1,500 1,182 1,234 1,687 1,669 1,623 1,550 1,458 1,458

ES 46,487 47,079 47,773 48,269 48,896 46,500 47,000 44,640 44,000 44,292 45,626 45,700FI 11,790 11,190 10,800 10,770 10,770 10,990 11,280 11,570 11,210 11,620 11,720 11,700

FR 137,000 135,700 135,300 135,400 133,300 132,050 132,350 136,500 138,600 139,200 138,500 138,300GB 218,700 221,300 212,200 217,300 229,600 234,600 229,700 228,300 223,900 217,475 211,300 205,300

GR 10,200 9,600 9,600 9,500 9,500 9,300 9,300 9,500 9,500 9,500 9,500 9,500HR 0 0 0 0 0 3,975 4,367 4,540 5,049 5,495 6,194 6,190

HU 16,231 16,300 17,700 23,843 28,234 27,420 30,330 27,478 27,762 27,587 28,069 28,926IE 10,085 10,402 10,386 10,231 10,031 10,478 11,320 12,289 12,842 15,000 15,227 15,000

IS 600 600 600 600 600 600 600 600 600 600 600 600IT 47,497 47,085 46,516 45,239 43,986 42,986 42,622 42,264 41,746 39,980 39,262 38,474

LI 0 0 0 0 0 0 0 0 0 0 0 0LT 0 0 0 0 3,000 3,300 3,600 4,000 4,900 6,300 6,500 6,500

LU 1,140 1,304 1,349 1,428 1,545 1,706 1,923 2,268 2,532 2,654 2,673 2,702LV 0 0 0 864 1,080 1,282 1,486 1,587 1,799 1,786 1,790 2,800

MT 703 1,006 820 809 823 1,148 1,232 1,106 1,056 933 888 840NL 40,978 40,609 40,934 41,445 42,647 44,658 47,250 48,468 50,243 50,088 48,000 48,000

NO 11,540 11,513 11,639 11,577 11,430 11,400 11,350 9,300 9,000 9,000 8,700 8,700PL 22,300 24,500 26,000 26,000 26,500 28,621 29,516 32,764 32,595 31,199 30,537 28,000

PT 13,528 13,217 14,402 14,387 14,180 14,200 14,058 13,623 13,700 13,105 12,575 12,500SE 21,658 21,488 22,057 20,336 20,243 19,892 16,914 17,162 17,258 18,987 18,973 18,973

SI 0 3,268 3,570 3,748 4,013 4,252 4,546 4,799 4,929 5,204 5,521 5,800SK 3,811 4,262 4,670 5,079 6,080 7,206 7,750 7,783 7,916 7,622 6,743 6,743

TR 5,606 5,598 6,261 7,142 8,383 9,483 9,973 10,302 10,168 10,750 11,426 11,826

(estimate)

Number of employees2 INSURANCE DATA

-1.71%

-0.27%

-0.89%

0.87%

1.85%

0.61%

0.30% 0.25%

0.36%

-0.40%

-1.61%

-1.32%

970,000

980,000

990,000

1,000,000

1,010,000

1,020,000

1,030,000

1,040,000

1,050,000

1,060,000

19921993

19941995

19961997

19981999

20002001

20022003

2004-2.0%

-1.5%

-1.0%

-0.5%

0.0%

0.5%

1.0%

1.5%

2.0%

Number of employees Growth

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200532 PART A PART B PART C

(esti

mat

e)N

atio

nal c

urre

ncy

mill

ion

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Total premium3 INSURANCE DATA

Coun

try19

9319

9419

9519

9619

9719

9819

9920

0020

0120

0220

0320

04

AT11

6,77

212

1,32

612

9,89

814

4,84

013

5,58

214

0,67

615

0,80

816

1,08

212

,470

12,6

1513

,129

13,9

89

BE37

6,13

740

9,98

544

0,02

647

4,44

051

4,76

660

5,01

168

3,21

180

8,03

420

,571

22,2

7525

,784

28,4

82

BG38

861

5

CH31

,753

34,2

8937

,537

40,4

4644

,241

48,1

2845

,678

47,3

2450

,757

53,0

3351

,580

49,7

80

CY11

112

814

716

818

620

443

732

626

127

930

833

4

CZ23

,330

29,6

3133

,732

40,2

4347

,986

55,6

3763

,086

70,5

8980

,485

90,8

6510

4,63

611

1,53

9

DE

195,

963

213,

059

225,

916

225,

572

232,

941

121,

191

127,

833

131,

820

136,

124

141,

335

147,

110

150,

400

DK

51,4

9352

,904

57,4

2065

,703

71,7

2279

,804

75,8

2082

,122

91,4

4199

,763

109,

631

118,

407

EE53

993

21,

055

1,23

71,

343

1,59

41,

783

2,16

32,

636

2,96

5

ES2,

776,

334

3,47

6,88

53,

520,

522

3,79

0,06

54,

181,

369

4,33

2,18

55,

378,

780

6,79

6,99

042

,063

48,2

2341

,600

44,8

42

FI32

,813

34,4

0940

,373

47,5

4948

,121

54,8

1361

,824

69,8

4811

,819

12,2

4712

,674

13,2

17

FR53

7,76

761

3,95

866

4,44

871

9,15

876

1,41

067

9,97

774

7,94

286

1,50

112

8,05

913

1,99

814

2,02

815

6,80

0

GB

78,6

5476

,224

77,1

7085

,328

93,0

9410

4,87

512

2,03

615

4,49

214

2,79

314

6,72

714

2,79

315

2,11

2

GR

335,

469

386,

448

443,

044

513,

454

574,

177

658,

841

820,

866

876,

596

900,

246

2,89

53,

235

3,62

0

HR

4,06

24,

335

4,53

05,

099

5,57

96,

066

6,62

7

HU

74,0

7494

,676

116,

705

141,

511

194,

030

244,

591

297,

756

384,

090

419,

470

494,

589

559,

435

598,

517

IE2,

797

3,04

52,

997

3,46

84,

078

5,23

66,

787

8,32

110

,518

11,2

0811

,884

12,7

49

IS13

,035

13,7

7813

,573

13,3

3413

,901

14,6

4916

,574

19,5

1123

,490

25,3

7825

,449

26,3

80

IT50

,253

,228

55,4

19,1

0162

,819

,529

67,7

12,3

1181

,435

,465

50,9

8361

,843

67,6

5876

,254

87,7

0896

,993

101,

038

LI21

524

233

449

869

41,

100

2,50

0

LT16

244

743

943

747

877

581

5

LU45

,256

60,9

8513

0,69

92,

985

4,52

35,

061

5,78

06,

854

6,33

36,

445

7,33

39,

004

LV43

6888

9596

9810

412

513

1

MT

2831

3742

4849

5770

7381

9296

NL

49,4

6653

,546

57,5

0961

,919

68,2

5675

,452

78,8

9987

,149

43,4

6944

,117

46,0

4248

,530

NO

39,9

1743

,766

42,8

2344

,388

50,2

8553

,537

56,9

3365

,083

63,3

5668

,869

76,0

1486

,883

PL3,

095

4,14

65,

422

8,11

612

,169

15,5

8818

,813

20,8

3722

,383

23,1

6824

,840

27,5

73

PT52

6,80

862

8,56

878

2,90

992

5,48

996

6,38

41,

128,

362

1,34

0,53

41,

416,

357

7,98

9,56

68,

413,

570

9,44

4,28

810

,432

SE82

,596

75,9

6279

,698

94,7

0498

,064

111,

156

133,

496

166,

129

164,

288

155,

410

175,

768

176,

133

SI47

,415

62,9

6210

2,37

412

1,81

512

9,58

915

4,04

417

1,38

119

2,86

623

0,03

026

6,95

529

8,20

234

1,64

0

SK8,

075

9,52

710

,578

13,7

8616

,968

21,2

8323

,659

27,3

2231

,858

36,2

8441

,811

47,9

92

TR17

,164

,361

32,5

46,7

3263

,134

,835

132,

863,

186

296,

808,

536

547,

243,

000

975,

705,

000

1,75

1,52

5,00

02,

505,

451,

000

3,63

7,76

2,00

04,

979,

689,

000

6,92

6,06

4,36

3

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 33PART D

(esti

mat

e)

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

nLife premium

4 INSURANCE DATA

Coun

try19

9319

9419

9519

9619

9719

9819

9920

0020

0120

0220

0320

04

AT40

,111

40,6

5546

,530

60,2

7450

,974

56,4

5866

,531

74,5

295,

831

5,61

75,

705

6,18

8

BE13

4,63

316

0,26

018

1,78

621

1,67

725

1,65

133

4,37

640

4,40

152

0,76

013

,170

14,4

0017

,524

19,7

72

BG44

146

CH18

,938

21,0

8824

,101

27,1

5830

,869

34,9

5831

,341

31,4

7233

,147

34,6

3932

,180

30,2

50

CY55

6574

8899

111

339

219

144

149

155

154

CZ5,

905

7,46

19,

225

10,9

8912

,690

15,0

8919

,917

22,7

7028

,282

34,1

9241

,123

44,2

03

DE

75,3

2682

,959

88,4

0692

,890

98,7

7052

,505

58,7

4961

,225

63,2

8765

,018

67,6

5668

,200

DK

29,0

7129

,310

32,4

2038

,262

42,4

6449

,836

47,5

0752

,705

60,6

0166

,066

71,9

0077

,000

EE43

6412

820

721

730

435

644

658

079

0

ES87

6,06

31,

442,

982

1,37

6,74

01,

667,

893

1,96

4,69

82,

075,

061

2,87

9,20

03,

960,

000

23,0

2926

,627

17,7

4318

,706

FI21

,918

23,6

4229

,703

36,6

6436

,783

42,0

8248

,460

55,8

989,

367

9,68

010

,019

10,4

01

FR31

9,85

438

3,06

841

8,86

046

5,86

050

6,69

042

5,80

148

9,79

959

2,02

084

,635

85,5

0092

,022

104,

200

GB

47,5

4844

,185

46,1

3555

,529

62,7

5574

,245

91,7

2512

0,72

710

4,33

210

3,55

395

,507

103,

491

GR

161,

490

190,

078

218,

047

248,

011

286,

095

337,

289

456,

413

450,

078

440,

082

1,31

01,

435

1,72

9

HR

582

685

759

925

1,15

21,

350

1,56

9

HU

17,6

4324

,104

35,3

1148

,247

63,7

5388

,807

120,

016

177,

634

175,

038

202,

517

224,

515

243,

296

IE1,

641

1,78

21,

689

2,05

52,

572

3,56

44,

793

5,98

67,

168

7,25

37,

644

8,17

9

IS46

450

654

449

655

673

096

51,

413

1,86

22,

275

2,43

02,

580

IT15

,143

,042

18,6

25,4

3123

,225

,393

26,0

62,6

1136

,985

,614

26,4

8335

,597

39,7

8446

,329

55,2

9462

,780

65,6

27

LI2,

300

LT56

6774

7693

140

214

LU20

,408

38,4

8310

7,63

42,

363

3,84

64,

375

5,06

26,

019

5,41

45,

483

6,32

57,

875

LV9

78

74

44

57

MT

68

912

1616

2334

3639

4750

NL

25,5

0327

,467

30,1

2933

,184

38,1

7643

,520

44,9

8750

,691

25,8

1424

,030

24,8

3825

,900

NO

15,8

2619

,243

18,8

9319

,776

25,4

8727

,127

26,7

9828

,618

35,2

7039

,110

42,6

7752

,589

PL88

81,

284

1,85

22,

766

4,07

25,

378

6,95

38,

335

9,26

09,

909

11,1

6812

,575

PT16

5,66

221

6,70

534

0,56

443

9,21

745

7,56

258

7,28

875

3,24

675

9,72

24,

487,

404

4,56

1,77

95,

401,

581

6,25

0

SE50

,451

41,5

6142

,456

58,1

3761

,430

75,4

6396

,282

126,

019

121,

357

107,

638

114,

083

115,

064

SI5,

015

9,03

115

,151

20,1

2722

,878

26,3

3030

,906

37,3

6149

,148

60,5

6271

,330

100,

000

SK1,

972

2,11

82,

588

3,54

54,

723

6,48

78,

510

11,3

4713

,878

15,6

7517

,008

19,4

46

TR2,

478,

631

3,86

3,92

88,

181,

920

18,8

04,2

8144

,747

,223

92,0

50,0

0017

4,89

3,00

032

6,19

7,00

046

1,34

9,00

067

1,44

0,00

01,

029,

920,

000

1,22

0,33

2,74

7

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200534 PART A PART B PART C

(esti

mat

e)

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

n

Non-life premium5 INSURANCE DATA

Coun

try19

9319

9419

9519

9619

9719

9819

9920

0020

0120

0220

0320

04

AT76

,661

80,6

7183

,368

84,5

6684

,608

84,2

1884

,277

86,5

536,

639

6,99

87,

424

7,80

1

BE24

1,50

424

9,72

525

8,24

026

2,76

326

3,11

527

0,63

527

8,81

028

7,27

47,

401

7,87

58,

260

8,71

0

BG34

346

9

CH12

,815

13,2

0113

,436

13,2

8813

,372

13,1

7014

,337

15,8

5217

,610

18,3

9419

,400

19,5

30

CY57

6372

8087

9398

107

117

130

153

180

CZ17

,425

22,1

7024

,507

29,2

5435

,296

40,5

4843

,169

47,8

1952

,203

56,6

7363

,513

67,3

36

DE

120,

637

130,

100

137,

510

132,

682

134,

171

68,6

8669

,084

70,5

9572

,837

76,3

1779

,454

82,2

00

DK

22,4

2223

,594

25,0

0027

,441

29,2

5829

,968

28,3

1329

,417

30,8

4033

,697

37,7

3141

,407

EE49

686

892

61,

030

1,12

61,

290

1,42

71,

717

2,05

62,

175

ES1,

900,

271

2,03

3,90

32,

143,

782

2,12

2,17

22,

216,

671

2,25

7,12

42,

499,

580

2,83

6,99

019

,034

21,5

9623

,857

26,1

36

FI10

,895

10,7

6710

,670

10,8

8511

,338

12,7

3113

,364

13,9

502,

452

2,56

72,

655

2,81

7

FR21

7,91

323

0,89

024

5,58

825

3,29

825

4,72

025

4,17

625

8,14

326

9,48

143

,424

46,4

9850

,006

52,6

00

GB

31,1

0632

,039

31,0

3529

,799

30,3

3930

,630

30,3

1133

,765

38,4

6143

,174

47,2

8648

,621

GR

173,

979

196,

370

224,

997

265,

443

288,

082

321,

552

364,

453

426,

518

460,

164

1,58

51,

800

1,89

1

HR

00

00

03,

480

3,65

03,

771

4,17

44,

427

4,71

65,

057

HU

56,4

3170

,572

81,3

9493

,264

130,

277

155,

784

177,

740

206,

456

244,

432

292,

072

334,

920

355,

221

IE1,

156

1,26

31,

308

1,41

31,

506

1,67

21,

994

2,33

43,

350

3,95

54,

240

4,57

0

IS12

,571

13,2

7213

,029

12,8

3813

,345

13,9

1915

,609

18,0

9821

,628

23,1

0323

,019

23,8

00

IT35

,110

,186

36,7

93,6

7039

,594

,136

41,6

49,7

0044

,449

,851

24,5

0026

,246

27,8

7429

,925

32,4

1434

,213

35,4

11

LI20

0

LT10

638

136

536

138

563

660

1

LU24

,848

22,5

0223

,065

622

677

686

718

837

919

962

1,00

81,

129

LV34

6180

8892

9410

012

012

4

MT

2223

2730

3233

3436

3843

4546

NL

23,9

6326

,079

27,3

8028

,735

30,0

8031

,932

33,9

1236

,458

17,6

5520

,087

21,2

0422

,630

NO

24,0

9124

,523

23,9

3024

,612

24,7

9826

,410

30,1

3536

,465

28,0

8629

,759

33,3

3734

,294

PL2,

207

2,86

23,

570

5,35

08,

097

10,2

1011

,860

12,5

0213

,123

13,2

5913

,672

14,9

98

PT36

1,14

641

1,86

344

2,34

548

6,27

250

8,82

254

1,07

458

7,28

865

6,63

53,

502,

162

3,85

1,79

14,

042,

707

4,18

2

SE32

,145

34,4

0137

,242

36,5

6736

,634

35,6

9337

,214

40,1

1042

,931

47,7

7261

,685

61,0

69

SI42

,400

53,9

3187

,223

101,

688

106,

711

127,

714

140,

475

155,

505

180,

882

206,

393

226,

872

241,

640

SK6,

103

7,40

97,

990

10,2

4112

,245

14,7

9615

,149

15,9

7517

,980

20,6

0924

,803

28,5

46

TR14

,685

,730

28,6

82,8

0454

,952

,915

114,

058,

905

252,

061,

313

455,

193,

000

800,

812,

000

1,42

5,32

8,00

02,

044,

102,

000

2,96

6,32

2,00

03,

949,

769,

000

5,70

5,73

1,61

6

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 35PART D

(esti

mat

e)

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

nTotal investments

6 INSURANCE DATA

Coun

try19

9319

9419

9519

9619

9719

9819

9920

0020

0120

0220

0320

04

AT38

0,26

043

5,99

747

6,81

553

0,65

757

3,75

959

8,65

763

6,96

167

1,39

351

,055

53,7

6855

,953

BE1,

842,

269

2,08

1,76

32,

114,

461

2,67

6,42

13,

019,

453

3,63

2,01

33,

883,

663

101,

162

108,

908

112,

906

128,

595

146,

445

BG CH21

4,76

423

1,78

024

5,38

227

5,41

430

0,13

632

8,08

035

6,37

337

3,15

539

8,28

639

9,60

940

9,81

042

3,00

0

CY24

128

734

440

647

743

451

91,

048

888

764

836

895

CZ72

,063

81,9

4193

,410

108,

908

124,

886

141,

624

165,

504

198,

803

215,

764

DE

921,

500

1,01

1,39

51,

116,

719

1,22

1,18

81,

347,

048

751,

301

816,

033

871,

167

943,

844

1,00

6,26

51,

059,

512

1,11

0,00

0

DK

520,

835

551,

007

597,

937

663,

597

745,

052

833,

664

967,

591

1,02

3,75

01,

028,

554

1,05

4,99

81,

152,

032

1,24

6,82

1

EE39

174

71,

114

1,19

01,

182

1,53

01,

845

2,46

3

ES4,

468,

333

5,63

2,43

56,

970,

747

8,42

7,91

79,

498,

204

10,9

45,0

5712

,310

,888

13,4

59,9

7993

,697

109,

730

121,

481

132,

000

FI14

9,18

915

9,61

619

9,97

323

6,89

027

6,18

733

7,44

143

4,47

244

8,69

270

,526

74,9

4581

,933

89,0

69

FR2,

033,

800

2,33

1,00

02,

836,

298

3,48

4,53

14,

089,

812

4,69

0,27

65,

161,

684

5,61

8,10

089

3,70

592

1,21

71,

015,

888

1,12

4,70

0

GB

475,

656

476,

709

565,

959

610,

845

723,

148

832,

855

972,

024

998,

874

924,

529

875,

986

991,

760

1,06

1,18

3

GR

445,

118

555,

154

676,

366

828,

504

1,00

3,59

41,

171,

581

1,55

8,59

21,

917,

415

1,94

0,74

85,

820

6,92

87,

500

HR

4,33

85,

447

6,25

57,

430

8,71

910

,105

11,3

01

HU

84,0

4812

5,37

816

9,73

722

2,30

130

0,01

938

1,04

549

0,08

762

6,39

976

0,42

290

6,24

31,

042,

042

IE15

,710

15,3

9017

,240

20,0

4526

,422

27,8

3733

,243

36,3

4247

,412

46,6

4454

,201

55,0

00

IS47

,379

53,7

3659

,167

IT15

4,20

8,23

417

6,20

0,99

720

3,31

1,59

823

2,41

6,87

627

1,19

4,17

216

8,58

720

4,87

724

3,23

627

7,91

231

4,58

636

5,38

541

0,67

7

LI1,

000

1,17

01,

565

1,87

02,

227

3,40

05,

300

LT37

059

168

773

893

61,

036

0

LU22

8,42

18,

716

12,8

2916

,398

20,8

0223

,969

25,8

6625

,736

30,3

570

LV19

3353

6370

7986

9410

511

4

MT

131

153

185

216

253

290

252

252

NL

276,

175

296,

798

339,

802

379,

875

435,

738

494,

599

556,

309

572,

791

264,

016

250,

656

267,

539

280,

000

NO

273,

856

285,

544

307,

113

330,

379

362,

624

387,

934

463,

768

476,

994

491,

000

533,

800

559,

015

PL1,

388

2,45

73,

948

6,39

510

,523

16,8

4224

,404

32,6

7441

,623

50,3

8158

,522

64,4

74

PT97

8,26

11,

256,

252

1,77

4,98

92,

266,

971

2,81

1,93

13,

354,

573

4,05

2,01

44,

495,

425

23,7

90,0

6125

,967

,798

28,4

70,0

9631

,900

SE75

0,19

474

1,96

085

5,26

41,

110,

376

1,34

1,08

81,

559,

744

1,81

5,48

81,

963,

738

1,89

3,35

71,

867,

671

2,08

4,57

31,

909,

213

SI68

,683

98,6

3013

2,09

017

7,77

522

7,10

327

9,14

349

9,63

170

1,12

882

1,66

995

0,00

0

SK22

,502

24,4

2625

,325

28,6

9530

,840

34,7

5038

,224

42,9

4745

,141

49,2

1659

,222

TR10

,132

,655

22,5

57,0

3848

,673

,572

123,

169,

508

259,

338,

647

563,

847,

995

1,29

1,67

5,57

91,

972,

194,

877

3,10

2,90

7,26

24,

208,

985,

000

5,83

5,43

6,00

07,

933,

477,

000

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200536 PART A PART B PART C

(esti

mat

e)

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

nLife investments

7 INSURANCE DATA

Coun

try19

9319

9419

9519

9619

9719

9819

9920

0020

0120

0220

0320

04

AT22

6,30

429

3,67

530

6,52

934

6,46

837

1,58

440

4,19

943

8,75

147

4,82

536

,709

38,8

5040

,625

BE1,

186,

280

1,37

4,52

31,

361,

290

1,74

3,15

31,

996,

764

2,50

4,63

62,

786,

140

74,6

3781

,354

85,0

9799

,610

114,

227

BG CH16

0,05

917

4,70

018

6,49

220

4,33

622

4,28

425

2,28

427

5,68

128

0,73

129

1,26

529

1,81

029

7,68

030

5,00

0

CY19

723

728

734

040

536

948

895

979

666

274

675

2

CZ61

,486

75,2

6687

,331

104,

182

119,

924

139,

997

DE

591,

600

645,

609

703,

767

768,

002

833,

944

463,

861

504,

679

539,

939

570,

948

593,

084

609,

337

623,

000

DK

433,

839

462,

459

500,

207

563,

595

644,

232

724,

842

864,

287

918,

980

921,

768

945,

548

1,03

3,59

11,

116,

657

EE87

220

270

336

368

570

777

1,01

4

ES2,

386,

412

3,78

0,47

54,

906,

477

6,26

1,07

17,

222,

444

8,32

2,63

29,

361,

211

10,0

94,9

8470

,273

82,2

9891

,111

99,0

00

FI12

0,16

712

8,44

715

7,11

618

8,15

422

1,34

226

9,03

832

7,32

735

6,41

661

,218

66,9

8473

,638

80,2

03

FR1,

622,

500

1,91

2,40

02,

358,

123

2,94

5,74

93,

480,

504

4,01

9,69

94,

431,

440

4,87

4,00

078

2,04

981

0,95

189

0,24

798

1,20

0

GB

409,

806

408,

955

489,

151

532,

193

636,

389

732,

063

882,

613

924,

325

861,

360

806,

874

921,

671

986,

900

GR

292,

189

370,

353

479,

108

597,

805

717,

407

828,

507

1,13

3,25

61,

363,

582

1,36

7,89

94,

040

3,90

0

HR

856

1,17

21,

639

2,10

42,

826

3,72

44,

282

HU

60,7

3710

9,30

118

3,51

926

1,04

534

1,79

034

6,79

635

3,59

442

1,40

0

IE11

,820

11,5

2012

,910

15,2

0020

,027

23,9

3728

,815

31,1

4640

,058

38,0

4744

,575

45,2

32

IS1,

976

3,04

32,

921

IT91

,948

,446

107,

799,

787

128,

519,

606

152,

001,

703

186,

141,

349

123,

262

156,

773

190,

183

218,

168

250,

751

297,

899

338,

812

LI4,

400

LT22

5095

162

242

318

LU19

3,47

67,

306

11,1

7814

,633

19,0

6421

,982

23,8

4123

,770

28,1

07

LV5

1114

1722

2325

2931

26

MT

6683

114

142

169

204

202

202

NL

246,

620

265,

207

300,

933

335,

574

385,

257

438,

438

494,

794

511,

109

236,

721

223,

583

238,

222

250,

000

NO

209,

838

219,

545

236,

778

257,

248

284,

663

307,

392

366,

612

381,

493

397,

000

430,

300

452,

295

PL58

71,

164

2,19

33,

595

6,04

49,

581

13,6

6118

,940

24,8

2231

,330

37,0

3841

,489

PT48

3,39

768

2,67

11,

074,

057

1,49

8,65

51,

989,

033

2,49

0,33

23,

098,

185

3,48

1,56

918

,749

,247

20,7

77,4

1123

,176

,530

26,5

00

SE58

6,55

257

8,20

866

6,57

483

1,88

11,

033,

652

1,20

8,57

71,

442,

354

1,54

2,53

21,

508,

789

1,56

1,03

91,

748,

476

1,56

7,21

8

SI0

015

,404

23,7

9235

,341

60,2

0283

,532

109,

107

281,

621

398,

157

456,

832

510,

000

SK19

,066

19,9

9420

,371

22,2

6224

,018

26,3

0026

,094

29,5

7634

,651

39,3

0145

,381

TR4,

321,

827

10,4

24,2

2024

,472

,130

59,3

31,5

4513

6,56

1,87

325

2,12

3,00

047

1,55

2,00

089

9,15

2,00

01,

588,

854,

341

2,41

3,37

5,00

03,

214,

801,

000

4,62

4,18

6,00

0

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 37PART D

(esti

mat

e)

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

nNon-life investments

8 INSURANCE DATA

Coun

try19

9319

9419

9519

9619

9719

9819

9920

0020

0120

0220

0320

04

AT15

3,95

614

2,32

217

0,28

618

4,18

920

2,17

519

4,45

819

8,21

019

6,56

814

,346

14,9

1815

,328

BE65

5,98

970

7,24

075

3,17

193

3,26

81,

022,

689

1,12

7,37

71,

097,

523

26,5

2527

,554

27,8

0928

,985

32,2

18

BG CH54

,705

57,0

8058

,890

71,0

7875

,852

75,7

9680

,692

92,4

2410

7,02

110

7,79

911

2,13

011

8,00

0

CY44

5057

6672

6679

8992

102

9014

3

CZ31

,924

33,6

4237

,555

37,4

4245

,580

58,8

06

DE

329,

900

365,

786

412,

952

453,

186

513,

104

287,

440

311,

354

331,

228

372,

896

413,

181

450,

175

487,

000

DK

86,9

9688

,548

97,7

3010

0,00

210

0,82

010

8,82

210

3,30

410

4,77

010

6,78

610

9,45

011

8,44

113

0,16

4

EE27

652

784

585

481

596

01,

068

1,44

9

ES2,

081,

921

1,85

1,96

02,

064,

271

2,16

6,84

62,

275,

760

2,62

2,42

52,

949,

677

3,36

4,99

523

,424

27,4

3230

,370

33,0

00

FI29

,022

31,1

6942

,857

48,7

3654

,845

68,4

0310

7,14

592

,276

9,30

87,

961

8,29

58,

866

FR41

1,30

041

8,60

047

8,17

553

8,78

260

9,30

867

0,57

773

0,24

474

4,10

011

1,65

611

0,26

612

5,64

114

3,50

0

GB

65,8

5067

,754

76,8

0878

,652

86,7

5910

0,79

289

,411

74,5

4963

,169

69,1

1270

,089

74,2

83

GR

152,

929

184,

801

197,

258

230,

699

286,

187

343,

074

425,

336

553,

833

572,

849

1,78

0

HR

3,49

64,

256

4,61

85,

326

5,89

36,

381

7,01

9

HU

109,

000

113,

000

116,

500

120,

000

148,

297

279,

603

406,

828

484,

843

IE3,

890

3,87

04,

330

4,84

56,

395

3,90

04,

428

5,19

67,

354

8,59

79,

626

9,76

8

IS45

,403

50,6

9356

,246

IT62

,259

,788

68,4

01,2

1074

,791

,992

80,4

15,1

7385

,052

,823

45,3

2548

,104

53,0

5359

,744

63,8

3567

,486

71,8

65

LI90

0

LT34

854

159

257

769

371

7

LU34

,945

1,41

01,

651

1,76

51,

738

1,98

72,

025

1,96

62,

250

LV14

2239

4648

5661

6575

88

MT

6570

7174

8486

5050

NL

29,5

5531

,591

38,8

6944

,301

50,4

8156

,161

61,5

1561

,682

27,2

9527

,073

29,3

1730

,000

NO

64,0

1865

,999

70,3

3573

,131

77,9

6180

,542

97,1

5695

,501

94,0

0010

3,50

010

6,72

011

6,24

0

PL80

11,

293

1,75

52,

800

4,47

97,

261

10,7

4313

,734

16,8

0119

,051

21,4

8422

,985

PT49

4,86

457

3,58

170

0,93

276

8,31

682

2,89

886

4,24

195

3,82

91,

013,

856

5,04

0,81

45,

190,

387

5,29

3,56

65,

400

SE16

3,64

216

3,75

218

8,69

027

8,49

530

7,43

635

1,16

737

3,13

442

1,20

638

4,56

830

6,63

233

6,09

734

1,99

5

SI53

,279

74,8

3896

,749

117,

573

143,

571

170,

036

218,

010

302,

971

364,

837

400,

000

SK3,

436

4,43

24,

954

6,43

36,

822

8,45

012

,130

13,3

7110

,490

9,91

513

,841

TR5,

810,

828

12,1

32,8

1824

,201

,442

63,8

37,9

6312

2,77

6,77

431

1,72

4,99

582

0,12

3,57

91,

073,

042,

877

1,51

4,05

2,92

11,

795,

610,

000

2,62

0,63

5,00

0

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200538 PART A PART B PART C

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Life provisions9 INSURANCE DATA

Nat

iona

l cur

renc

y m

illio

nCo

untry

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

AT19

8,23

124

6,22

229

4,22

834

0,43

938

0,08

040

9,23

145

0,03

146

5,66

238

,433

40,7

2043

,432

BE1,

062,

793

1,17

0,87

71,

302,

679

1,46

3,22

51,

646,

481

1,92

4,32

22,

317,

328

2,60

0,92

771

,791

78,9

4592

,737

BG CH10

5,70

711

3,73

112

5,30

714

8,55

716

7,44

518

8,60

920

4,59

321

7,39

522

4,80

022

8,00

022

9,10

0

CY19

423

428

533

739

647

190

578

870

969

672

2

CZ45

,912

49,5

0755

,031

57,6

5263

,791

67,9

3576

,700

86,1

2597

,769

111,

180

124,

254

DE

579,

950

633,

423

693,

908

757,

656

832,

870

462,

449

502,

057

540,

732

569,

652

588,

593

607,

929

DK

385,

406

414,

146

447,

903

500,

532

566,

666

622,

262

721,

205

774,

498

801,

807

844,

028

897,

865

EE67

9615

324

324

846

766

580

0

ES3,

041,

576

4,05

9,67

44,

889,

565

6,22

5,05

87,

591,

865

8,47

7,81

710

,800

,000

12,6

54,6

8187

,098

102,

388

109,

355

FI13

4,50

214

6,02

916

3,58

818

5,91

720

9,54

423

8,66

728

1,96

733

4,54

560

,594

63,3

8273

,307

FR1,

620,

725

1,89

1,10

02,

139,

107

2,55

2,83

53,

018,

798

3,37

0,43

93,

821,

179

4,21

3,21

268

5,17

571

8,91

478

1,73

8

GB

391,

498

418,

160

482,

488

539,

359

637,

592

739,

999

858,

629

933,

499

909,

384

885,

050

958,

141

GR

288,

190

382,

713

491,

784

617,

101

745,

291

872,

254

1,32

2,66

11,

332,

903

1,40

4,75

14,

468

4,84

0

HR

HU

51,6

7466

,289

80,5

5999

,022

135,

372

161,

888

270,

607

346,

796

445,

300

545,

879

586,

712

IE11

,820

11,5

2012

,910

15,2

00

IS1,

478

1,64

61,

800

IT73

,351

,285

89,4

89,7

0611

1,74

9,44

413

4,83

7,42

116

7,59

9,37

010

9,42

014

0,59

216

7,36

219

6,37

522

7,79

127

0,83

4

LI LT14

414

7

LU57

,176

91,1

5319

8,00

37,

220

10,9

5314

,146

18,5

5521

,653

23,2

7823

,354

27,4

97

LV9

912

1210

1113

MT

130

177

NL

229,

950

249,

976

250,

543

275,

600

306,

382

316,

212

392,

226

417,

695

195,

730

193,

451

206,

936

NO

194,

692

204,

490

221,

999

239,

765

265,

686

276,

963

299,

511

325,

351

347,

000

363,

190

402,

320

PL61

11,

109

1,91

73,

141

5,27

78,

328

12,1

2416

,806

21,7

6127

,252

32,0

64

PT42

1,18

360

4,31

190

3,22

41,

304,

025

1,69

8,84

32,

205,

173

2,79

6,18

03,

253,

644

18,6

41,8

3821

,569

,774

23,0

52,8

18

SE30

1,68

549

1,00

058

3,12

581

5,06

296

4,15

01,

138,

559

1,42

3,53

31,

478,

798

1,43

8,92

91,

346,

576

1,24

5,28

9

SI10

,108

14,7

8923

,570

47,3

2667

,753

86,1

6512

2,74

618

4,60

627

1,15

3

SK17

,596

19,1

0820

,253

21,4

6823

,685

25,7

5525

,862

30,3

1536

,344

41,3

9547

,795

TR5,

005,

291

11,9

04,7

5427

,688

,428

65,6

21,5

4315

2,77

2,31

432

4,96

3,00

070

2,31

6,00

083

0,25

2,00

01,

487,

867,

000

2,16

0,58

3,00

02,

936,

854,

000

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 39PART D

Non-life provisions10 INSURANCE DATA

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

nCo

untry

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

AT BE49

1,13

752

2,21

563

2,98

066

5,02

270

8,29

873

5,81

875

9,33

877

9,93

320

,366

20,9

5921

,376

BG CH22

,862

24,0

1024

,598

26,3

6727

,336

28,7

3229

,927

31,5

10

CY43

4652

6459

5965

7177

9096

CZ6,

184

13,8

5217

,323

27,5

3933

,121

30,3

6532

,983

30,9

5337

,160

46,7

0152

,031

DE

DK

EE11

723

035

446

338

348

560

8

ES1,

720,

672

1,89

0,71

42,

169,

939

2,18

6,23

0

FI21

,702

25,2

3029

,767

30,1

5731

,511

33,5

5336

,567

37,3

106,

556

6,78

17,

126

FR40

1,75

641

9,80

027

7,03

342

7,67

545

0,81

147

4,18

253

9,13

853

5,75

986

,068

89,7

8396

,591

GB

74,8

5677

,051

87,1

3286

,779

98,0

2810

8,36

211

0,07

998

,767

87,5

0388

,801

83,3

00

GR

150,

836

190,

969

202,

477

238,

145

297,

311

361,

189

496,

424

541,

372

588,

282

1,96

82,

216

HR

3,16

64,

089

4,57

25,

068

5,48

45,

825

HU

24,9

0646

,619

48,8

3381

,761

109,

321

160,

662

148,

297

IE2,

238

2,76

22,

804

2,99

33,

253

3,46

63,

953

IS43

,726

47,4

9649

,485

IT49

,242

,432

53,8

88,0

0262

,181

,007

67,5

36,7

1073

,790

,636

41,0

6844

,755

48,9

4552

,119

55,7

7158

,675

LI LT34

73

LU44

,140

44,1

801,

244

1,29

21,

523

1,68

11,

844

1,91

22,

225

2,25

2

LV16

3141

4341

5149

MT

1514

1719

2019

28

NL

25,0

8528

,240

31,5

8434

,453

37,3

6740

,866

45,7

8149

,323

18,8

4219

,874

22,5

50

NO

49,8

5151

,807

48,4

4552

,388

54,8

2258

,894

51,9

0064

,388

72,4

4273

,746

77,9

62

PL1,

433

1,95

82,

642

4,45

14,

975

10,1

2212

,535

14,0

4215

,911

17,5

6718

,640

PT40

6,51

847

4,42

155

5,87

062

4,70

270

7,00

773

9,09

775

6,40

34,

169,

501

4,85

0,20

44,

859,

947

SE18

2,19

418

4,59

022

2,74

424

6,08

426

2,20

125

0,32

726

0,57

7

SI10

9,36

013

5,35

716

4,53

516

6,19

119

0,99

921

4,69

3

SK2,

483

3,31

13,

985

10,9

616,

444

7,45

08,

994

9,15

09,

744

9,98

413

,156

TR5,

275,

180

11,1

61,0

9219

,312

,016

40,3

32,1

5686

,616

,094

225,

807,

000

593,

787,

000

819,

267,

000

1,41

2,12

7,00

01,

672,

697,

000

2,50

8,61

2,00

0

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200540 PART A PART B PART C

Motor premium11 INSURANCE DATA

(esti

mat

e)

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

nCo

untry

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

AT28

,803

30,3

3730

,750

30,7

8630

,101

28,6

3627

,894

28,7

962,

236

2,41

02,

588

2,73

4

BE91

,586

92,6

4496

,098

95,3

9995

,030

96,6

1999

,366

102,

324

2,61

12,

736

2,83

52,

998

BG19

0

CH4,

046

4,14

74,

236

3,99

03,

878

3,91

73,

962

4,08

54,

214

4,42

34,

740

4,68

0

CY32

3539

4546

4849

5253

5666

76

CZ4,

757

4,51

19,

367

12,5

3116

,091

19,8

3321

,348

24,5

5726

,892

29,9

7833

,080

35,2

52

DE

38,7

7543

,347

44,3

7842

,782

40,9

0820

,033

19,8

6320

,428

21,3

4121

,968

22,3

2522

,400

DK

5,86

66,

186

6,61

97,

096

7,81

18,

370

8,44

18,

887

9,16

810

,142

11,1

6912

,300

EE33

750

262

467

876

286

393

31,

116

1,36

01,

306

ES92

9,22

097

3,44

998

9,85

999

0,70

189

8,18

688

2,90

51,

095,

700

1,32

8,90

08,

868

9,79

410

,617

11,2

76

FI3,

430

3,02

43,

104

3,40

33,

715

4,11

04,

620

5,05

288

990

895

71,

043

FR77

,714

82,5

0089

,496

92,2

3091

,581

91,3

3292

,649

95,9

4715

,356

16,2

7717

,136

17,5

00

GB

8,35

28,

504

7,85

97,

698

7,89

58,

381

9,09

310

,927

12,2

9112

,604

12,9

8312

,438

GR

104,

464

118,

227

134,

937

166,

884

185,

329

207,

785

237,

740

273,

121

284,

872

980

1,10

01,

148

HR

1,78

51,

872

2,00

82,

242

2,46

22,

675

2,90

6

HU

32,4

4442

,166

46,6

5462

,144

78,0

2690

,312

102,

218

117,

631

137,

077

161,

974

185,

470

206,

323

IE60

362

565

271

276

086

499

21,

152

1,75

81,

891

1,89

51,

900

IS5,

309

5,66

35,

562

5,29

45,

097

5,66

57,

136

9,35

911

,560

12,0

2211

,886

11,9

00

IT20

,071

,968

20,9

24,3

8422

,280

,957

23,3

79,9

9225

,416

,651

14,3

0615

,863

16,8

9918

,155

19,6

0820

,708

21,2

32

LI LT16

516

215

717

238

034

3

LU6,

496

6,47

26,

832

176

186

201

211

226

242

256

269

LV7

2232

3539

4248

5564

MT

1012

1415

1717

1718

1921

2323

NL

5,46

36,

056

6,48

76,

895

6,99

67,

227

7,63

18,

282

3,98

84,

222

4,38

14,

500

NO

6,38

76,

938

7,38

97,

470

7,68

58,

418

9,14

210

,360

11,3

4012

,055

12,9

7913

,652

PL1,

258

1,67

82,

113

3,39

25,

626

7,12

87,

913

8,48

78,

743

8,59

88,

670

9,36

2

PT19

0,28

721

8,79

923

7,20

425

9,67

126

5,90

427

5,77

229

6,30

131

9,39

71,

680,

283

1,80

8,91

01,

887,

655

1,94

8

SE10

,138

10,6

7310

,179

10,2

8810

,388

11,1

8412

,221

13,3

9114

,902

17,5

9220

,284

21,8

68

SI17

,832

23,7

7931

,778

36,9

6740

,010

44,8

2847

,680

53,6

1965

,540

76,2

7287

,374

99,0

00

SK2,

186

2,80

83,

494

4,29

15,

419

7,45

28,

268

8,80

510

,374

12,0

0516

,068

19,1

96

TR7,

993,

142

13,6

66,6

3526

,675

,213

48,9

65,7

2011

4,32

1,31

123

4,16

2,00

039

5,22

1,00

074

0,22

6,00

090

2,02

6,00

01,

236,

058,

000

1,80

0,49

0,00

02,

818,

148,

876

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 41PART D

Accident & health premium12 INSURANCE DATA

(esti

mat

e)

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

nCo

untry

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

AT20

,404

21,3

4122

,166

22,1

9422

,280

22,5

1722

,895

23,5

611,

782

1,84

51,

920

2,00

0

BE58

,204

60,8

0963

,356

66,3

6765

,949

68,6

3570

,980

74,5

801,

950

2,02

92,

121

2,22

1

BG11

CH3,

749

3,90

43,

867

3,89

84,

126

3,92

95,

010

6,20

97,

536

7,89

08,

120

8,11

0

CY6

89

1112

1315

1620

2323

30

CZ1,

385

1,55

11,

843

2,08

02,

425

2,72

13,

649

3,56

54,

188

1,91

92,

155

2,35

5

DE

34,1

2836

,710

40,5

6543

,736

46,1

2224

,501

25,2

6726

,174

27,2

8628

,759

30,6

3832

,500

DK

2,89

63,

435

3,22

84,

065

4,48

14,

723

6,99

57,

237

7,72

08,

333

9,72

410

,802

EE22

3443

6064

7579

8410

012

8

ES34

8,49

837

9,80

542

2,26

846

4,13

850

6,05

251

2,52

052

2,94

054

6,00

03,

621

3,95

44,

323

4,70

6

FI2,

527

2,70

52,

775

2,91

03,

238

4,03

53,

726

3,58

764

167

167

772

7

FR50

,149

52,8

9454

,875

56,1

9257

,673

58,8

5959

,234

61,2

669,

561

10,1

4311

,165

12,4

00

GB

3,02

23,

333

3,60

33,

646

3,90

64,

143

4,29

54,

756

5,07

15,

369

5,81

06,

493

GR

8,65

39,

932

11,2

4411

,962

12,2

2714

,174

15,3

8219

,665

18,8

1988

107

84

HR

555

601

616

688

572

553

586

HU

1,43

31,

268

1,74

52,

445

4,24

06,

374

7,19

39,

588

9,04

712

,566

14,0

3514

,272

IE35

4142

5061

7794

100

5549

7780

IS1,

134

1,18

21,

219

1,15

31,

227

1,35

81,

439

1,56

41,

841

2,26

02,

350

2,44

0

IT4,

996,

666

5,25

2,71

15,

622,

891

5,84

1,29

16,

178,

934

3,33

53,

427

3,63

53,

873

4,04

74,

270

4,46

4

LI LT40

3231

3640

41

LU73

878

083

722

2422

2426

3034

38

LV5

711

1512

1416

1921

MT

22

34

55

66

77

88

NL

9,72

310

,977

11,5

1412

,291

13,2

4514

,150

15,6

5916

,693

8,43

79,

669

10,2

7911

,200

NO

718

720

743

770

721

725

699

648

734

755

910

888

PL13

318

323

130

640

149

659

265

970

575

877

584

0

PT97

,713

111,

752

117,

424

126,

276

135,

130

145,

338

160,

218

197,

691

1,06

4,11

71,

172,

405

1,24

1,09

51,

271

SE4,

214

4,86

95,

417

5,91

66,

562

6,25

57,

018

7,74

98,

062

8,29

913

,263

13,5

35

SI4,

828

6,22

027

,837

34,4

5134

,999

48,2

3557

,729

64,5

6374

,753

84,0

8390

,320

89,5

00

SK46

149

355

765

978

897

560

453

144

353

454

3

TR77

1,81

81,

622,

821

5,28

5,50

213

,199

,642

35,1

25,7

5669

,410

,000

127,

007,

000

225,

442,

000

322,

352,

000

484,

997,

000

618,

843,

000

818,

439,

394

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200542 PART A PART B PART C

Liability premium13 INSURANCE DATA

(esti

mat

e)

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

nCo

untry

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

AT4,

598

4,85

15,

146

5,36

95,

498

5,71

35,

887

6,16

246

849

453

656

5

BE16

,509

17,0

9718

,079

18,7

8319

,781

20,9

1121

,347

22,1

8457

261

463

766

3

BG5

CH1,

295

1,31

91,

387

1,38

41,

383

1,40

21,

392

1,46

81,

602

1,61

41,

870

1,97

0

CY2

33

35

55

56

611

13

CZ1,

323

1,95

12,

933

3,53

84,

051

4,33

14,

664

4,59

15,

071

7,05

77,

727

8,51

6

DE

9,94

010

,707

11,3

8011

,866

12,2

856,

282

6,49

66,

590

6,64

26,

929

7,13

77,

400

DK

827

828

813

868

933

970

896

956

1,06

61,

310

1,51

61,

700

EE6

1510

1614

2027

4450

56

ES60

,776

73,3

7680

,787

90,7

9292

,484

97,5

5510

9,05

012

2,40

083

01,

040

1,33

01,

700

FI28

628

747

449

651

969

766

575

213

114

516

014

4

FR16

,699

17,3

0618

,600

19,5

2720

,133

20,6

8021

,531

23,0

903,

869

4,18

34,

967

5,40

0

GB

2,54

62,

884

2,87

92,

737

2,72

22,

674

2,66

22,

796

3,55

54,

837

5,73

56,

022

GR

2,29

12,

980

3,45

33,

853

4,27

04,

845

6,67

18,

535

9,80

333

4051

HR

7799

9310

813

615

217

4

HU

1,71

91,

796

2,48

32,

691

4,85

86,

113

7,26

47,

908

10,4

2411

,467

14,3

5816

,208

IE20

123

024

526

127

528

330

834

153

572

586

01,

020

IS64

669

270

873

486

193

71,

018

1,16

41,

478

1,51

01,

580

1,63

0

IT2,

329,

263

2,40

5,02

42,

749,

017

2,98

3,82

23,

198,

152

1,82

01,

920

2,03

32,

229

2,47

22,

798

2,99

9

LI LT33

2728

2024

27

LU1,

413

1,59

21,

580

4144

5054

5154

5459

LV8

99

911

99

128

MT

11

11

11

22

3

NL

1,04

51,

105

1,13

51,

170

1,19

51,

225

1,30

01,

330

637

703

757

800

NO

665

618

668

676

696

680

756

785

947

937

1,00

91,

070

PL58

7295

119

168

234

309

368

415

452

517

635

PT5,

490

6,22

36,

911

7,54

28,

168

9,08

310

,449

11,3

6362

,477

70,5

3479

,918

95

SE1,

521

1,73

04,

380

3,43

83,

005

1,41

41,

123

2,12

31,

456

1,63

72,

597

456

SI2,

405

2,78

23,

112

3,49

53,

898

4,34

75,

006

5,74

46,

527

7,50

0

SK53

718

560

1,43

21,

443

1,60

21,

491

1,47

01,

390

1,26

297

4

TR21

5,02

835

5,35

469

7,86

91,

491,

666

3,32

5,69

16,

005,

000

10,6

75,0

0017

,455

,000

31,3

04,0

0047

,950

,000

69,1

83,0

0099

,817

,232

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 43PART D

Legal Expenses premium14 INSURANCE DATA

(esti

mat

e)

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

nCo

untry

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

AT2,

716

2,93

23,

086

3,31

13,

442

3,53

03,

651

3,79

128

930

131

433

1

BE6,

471

6,93

37,

294

7,54

87,

809

8,07

98,

674

9,08

423

424

726

227

0

BG CH14

316

818

319

320

118

121

522

823

725

027

028

0

CY CZ22

3954

8810

312

314

516

318

9

DE

3,99

74,

182

4,41

74,

561

4,82

52,

605

2,63

52,

690

2,70

72,

727

2,82

72,

900

DK

11

22

36

912

15

EE ES41

,297

44,0

0348

,167

8,51

98,

321

29,0

9018

,480

13,9

8099

105

9010

0

FI13

413

213

813

716

418

335

3639

40

FR1,

747

1,90

01,

746

1,90

82,

327

2,19

62,

129

2,53

244

445

751

550

0

GB

8486

9091

9910

310

210

711

015

517

318

8

GR

1,05

32,

294

2,32

62,

556

2,92

13,

071

3,38

14,

014

6,00

121

2530

HR

HU

816

4256

5668

6611

123

945

6

IE IS IT99

,709

117,

853

138,

231

156,

316

172,

654

9811

012

614

416

418

420

5

LI LT LU22

023

224

46

79

99

1011

12

LV MT

NL

295

333

365

387

417

460

521

577

292

330

375

400

NO

PL27

433

939

045

353

367

1

PT15

2345

6910

083

11,

129

1,07

95,

273

4,86

19,

026

10

SE SI12

2130

4251

5866

7193

370

SK7

118

3347

5259

TR2,

878,

000

5,49

2,00

011

,380

,186

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200544 PART A PART B PART C

Property premium15 INSURANCE DATA

(esti

mat

e)

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

nCo

untry

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

AT17

,114

18,1

5019

,104

19,6

1319

,875

20,1

5520

,179

20,2

631,

547

1,61

51,

718

1,80

4

BE50

,831

52,8

0254

,292

55,8

2455

,434

55,9

9057

,494

58,3

531,

505

1,65

71,

787

1,90

8

BG74

85

CH3,

001

3,07

33,

115

3,13

53,

070

3,07

63,

053

3,09

13,

182

3,28

33,

450

3,50

0

CY9

1112

1415

1617

1921

2535

42

CZ6,

706

10,8

444,

806

6,33

26,

674

7,06

27,

775

11,5

1711

,012

12,7

3316

,022

16,6

62

DE

22,0

8023

,463

24,5

3725

,178

25,1

9612

,653

12,3

8712

,299

12,3

8213

,113

13,8

4414

,300

DK

9,32

89,

625

9,90

010

,300

10,5

8311

,001

10,0

1710

,354

10,9

0611

,790

13,0

7414

,200

EE11

716

818

621

123

327

631

739

645

059

3

ES25

6,34

427

7,73

331

7,13

232

7,39

531

3,24

430

5,15

846

7,35

051

9,22

03,

530

4,29

65,

001

5,60

0

FI2,

631

2,55

12,

512

2,50

82,

530

2,57

53,

051

3,17

054

056

361

063

8

FR50

,869

53,7

8357

,294

60,3

6459

,392

59,5

0659

,430

62,5

779,

910

11,0

4111

,853

12,4

00

GB

8,95

49,

373

8,73

08,

249

8,73

88,

363

7,64

78,

138

9,15

710

,480

11,4

1411

,859

GR

33,5

7036

,268

49,4

0153

,066

55,2

9458

,086

67,3

4682

,487

94,7

2932

638

642

2

HR

00

00

080

180

978

681

590

295

21,

023

HU

13,9

5123

,641

22,0

8524

,080

40,3

0548

,649

56,4

2756

,566

77,1

9996

,784

108,

840

105,

583

IE27

230

631

133

035

238

843

550

882

41,

016

1,15

81,

320

IS3,

182

3,37

03,

400

3,46

83,

707

3,89

44,

022

4,16

74,

894

5,39

65,

252

5,85

0

IT4,

742,

685

4,93

3,68

65,

493,

485

5,76

7,19

25,

880,

580

3,24

83,

310

3,44

13,

632

4,05

84,

195

4,44

6

LI LT84

8578

8110

010

4

LU3,

661

3,53

33,

712

9799

111

117

123

136

153

157

LV11

1419

1618

1916

2019

MT

56

77

78

88

910

1010

NL

4,75

74,

928

5,20

55,

327

5,42

05,

573

5,54

25,

894

2,81

43,

126

3,31

43,

500

NO

6,04

66,

307

5,97

56,

187

6,54

86,

630

7,10

78,

099

9,26

010

,783

11,9

7812

,589

PL59

670

381

91,

068

1,37

31,

702

1,87

12,

094

2,32

12,

441

2,57

02,

766

PT47

,675

54,7

1159

,863

70,0

6675

,933

84,8

8394

,023

99,7

0852

5,32

160

9,26

962

3,25

466

0

SE14

,242

14,5

3514

,621

14,8

1314

,532

14,1

8914

,223

14,6

1816

,319

18,5

2023

,501

23,9

03

SI19

,751

21,7

9522

,386

23,7

8422

,976

24,6

1426

,465

29,4

0031

,175

33,5

00

SK2,

201

2,49

02,

468

2,94

23,

621

3,51

13,

564

4,05

84,

577

5,61

55,

938

TR3,

274,

020

7,42

3,86

514

,785

,211

29,8

32,9

8760

,986

,394

84,8

87,0

0020

8,78

6,00

034

8,14

9,00

059

6,68

5,00

088

4,33

6,00

01,

092,

188,

000

1,66

5,67

3,06

7

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 45PART D

MAT premium16 INSURANCE DATA

(esti

mat

e)

For

Euro

Zon

e m

embe

rs, t

he G

DP

is in

Eur

o m

illio

n at

the

date

of e

ntry

in th

e zo

ne.

Nat

iona

l cur

renc

y m

illio

nCo

untry

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

AT1,

325

1,35

61,

368

1,35

91,

397

1,41

01,

391

1,41

712

113

213

514

2

BE5,

050

5,37

95,

450

5,31

25,

567

5,79

35,

835

5,93

515

919

321

622

2

BG23

CH33

533

134

939

037

235

635

339

041

346

647

048

0

CY3

34

44

56

89

915

15

CZ34

534

632

938

858

178

569

464

3

DE

3,04

63,

063

3,07

03,

139

3,16

51,

636

1,61

01,

636

1,74

61,

793

1,88

01,

900

DK

1,29

71,

317

1,30

099

293

888

275

474

081

094

089

193

0

EE12

2548

4435

3851

5460

64

ES48

,496

53,2

5953

,005

57,4

8455

,321

46,9

3349

,900

57,8

1041

757

155

160

0

FI69

769

767

060

359

058

861

766

912

615

311

311

2

FR9,

231

10,3

0010

,385

9,56

09,

123

6,93

37,

504

7,73

41,

609

1,50

41,

229

1,20

0

GB

5,66

95,

224

5,01

84,

287

3,94

33,

892

3,12

13,

388

4,37

95,

560

6,72

87,

896

GR

12,4

6914

,643

16,5

8716

,286

11,4

4811

,653

17,0

6321

,280

21,0

8869

6568

HR

230

234

222

254

264

276

246

HU

627

737

963

1,17

91,

893

2,21

32,

055

2,56

43,

087

3,42

83,

359

3,22

5

IE7

169

1212

1317

11

IS2,

300

2,36

52,

140

2,18

92,

453

2,06

51,

994

1,84

41,

855

1,91

51,

951

1,98

0

IT1,

649,

856

1,70

6,53

11,

658,

485

1,66

3,81

81,

642,

680

651

604

669

705

764

739

740

LI LT23

1718

915

7

LU10

,704

8,41

38,

366

229

242

205

211

308

335

335

355

LV3

44

76

66

98

MT

32

32

22

23

23

23

NL

1,16

61,

097

1,11

61,

146

1,15

21,

146

1,08

01,

135

543

574

598

630

NO

7,01

96,

909

5,83

76,

049

5,83

75,

684

5,53

65,

171

PL11

816

617

719

521

222

721

021

124

425

525

727

5

PT10

,927

11,2

6211

,418

11,8

5512

,033

12,0

3811

,855

12,5

2973

,059

85,8

2386

,868

81

SE1,

798

2,11

82,

017

1,78

21,

729

1,61

71,

608

1,58

21,

996

1,09

11,

286

1,22

0

SI1,

961

2,11

82,

074

2,10

52,

232

2,11

72,

075

2,40

52,

135

3,77

72,

800

3,00

0

SK12

214

620

922

420

323

819

013

5

TR1,

539,

342

3,63

4,66

16,

904,

745

12,8

35,9

3122

,184

,402

32,4

85,0

0052

,294

,000

81,3

33,0

0013

6,12

0,00

022

3,64

2,00

024

6,03

9,00

026

0,42

1,86

6

48 1- Exchange rate

49 2- GDP

50 3- Population

51 4- Inflation

ANNEXES - ECONOMIC DATAPART DPAGE

47

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200548 PART A PART B PART C

Exchange rateECONOMIC DATA

1 Eu

ro =

Coun

try19

9219

9319

9419

9519

9619

9719

9819

9920

0020

0120

0220

0320

04AT

13.8

187

13.6

110

13.5

395

13.1

824

13.4

345

13.8

240

13.7

603

13.7

603

13.7

603

13.7

603

13.7

603

13.7

603

13.7

603

BE40

.453

240

.265

739

.658

538

.551

939

.298

640

.533

240

.339

940

.339

940

.339

940

.339

940

.339

940

.339

940

.339

9

BG0.

0500

00.

0500

00.

0643

90.

0878

70.

2251

51.

9015

71.

9691

31.

9558

01.

9522

01.

9482

01.

9492

01.

9490

01.

9491

0CH

1.75

581

1.65

419

1.62

128

1.54

574

1.56

790

1.64

400

1.62

203

1.60

030

1.55

790

1.51

050

1.46

700

1.52

120

1.49

410

CY0.

5870

80.

5805

10.

5839

30.

5916

20.

5919

00.

5824

30.

5793

40.

5788

40.

5739

20.

5758

90.

5753

00.

5840

90.

5797

0CZ

34.9

311

33.6

030

34.1

509

34.6

960

34.4

572

35.9

304

36.0

487

36.8

840

35.5

990

34.0

680

30.8

040

31.8

460

31.3

250

DE

1.96

461

1.93

587

1.92

452

1.87

375

1.90

954

1.96

438

1.95

583

1.95

583

1.95

583

1.95

583

1.95

583

1.95

583

1.95

583

DK

7.61

103

7.55

083

7.54

328

7.32

804

7.35

954

7.48

361

7.49

930

7.43

550

7.45

380

7.45

210

7.43

050

7.43

070

7.43

060

EE15

.339

215

.339

215

.396

214

.990

015

.273

015

.713

015

.748

115

.646

615

.646

615

.646

615

.646

615

.646

615

.646

6ES

140.

920

158.

980

158.

918

163.

000

160.

748

165.

887

168.

753

166.

386

166.

386

166.

386

166.

386

166.

386

166.

386

FI6.

3019

36.

4622

26.

1907

75.

7085

55.

8281

75.

8806

45.

9457

35.

9457

35.

9457

35.

9457

35.

9457

35.

9457

35.

9457

3FR

6.69

928

6.57

422

6.58

261

6.52

505

6.49

300

6.61

260

6.55

957

6.55

957

6.55

957

6.55

957

6.55

957

6.55

957

6.55

957

GB

0.78

820

0.75

612

0.77

590

0.82

879

0.81

380

0.69

230

0.67

643

0.65

874

0.60

948

0.62

187

0.62

883

0.69

199

0.66

041

GR

259.

252

278.

440

288.

026

302.

989

305.

546

309.

355

330.

731

325.

763

336.

630

340.

750

340.

750

340.

750

340.

750

HR

6.90

000

6.90

000

6.90

000

6.90

000

6.90

000

6.94

470

7.30

990

7.69

186

7.59

276

7.36

655

7.49

500

7.65

809

7.57

655

HU

101.

587

112.

790

125.

030

164.

545

193.

758

211.

654

240.

573

252.

770

160.

040

256.

590

242.

960

253.

620

248.

290

IE0.

7417

20.

7917

80.

7936

20.

8155

30.

7934

50.

7475

20.

7875

60.

7875

60.

7875

60.

7875

60.

7875

60.

7875

60.

7875

6IS

78.5

843

81.2

538

83.1

063

84.6

853

84.6

558

80.4

391

79.6

976

77.1

800

72.5

800

87.4

200

86.1

800

86.6

500

86.4

150

IT17

30.3

219

08.3

919

15.0

621

30.1

419

58.9

619

29.3

019

36.2

719

36.2

719

36.2

719

36.2

719

36.2

719

36.2

719

36.2

7LI

1.75

581

1.65

419

1.62

128

1.54

574

1.56

790

1.64

400

1.62

203

1.60

030

1.55

790

1.51

050

1.46

700

1.52

120

1.49

410

LT4.

3746

04.

3746

04.

7319

15.

2320

25.

0789

94.

5361

54.

4843

74.

2641

03.

6952

03.

5823

03.

4594

03.

4527

03.

4560

5LU

40.4

532

40.2

657

39.6

585

38.5

519

39.2

986

40.5

332

40.3

399

40.3

399

40.3

399

40.3

399

40.3

399

40.3

399

40.3

399

LV0.

6800

00.

6712

00.

6641

00.

6895

40.

6992

50.

6585

50.

6606

70.

6256

00.

5592

00.

5601

00.

5810

00.

6407

00.

6108

5M

T0.

4495

70.

4367

70.

4488

50.

4614

30.

4576

80.

4375

00.

4349

80.

4258

00.

4041

00.

4030

00.

4089

00.

4261

00.

4175

0

NL

2.20

707

2.16

580

2.15

827

2.09

891

2.13

973

2.21

081

2.20

371

2.20

371

2.20

371

2.20

371

2.20

371

2.20

371

2.20

371

NO

8.02

863

8.38

353

8.37

420

8.28

575

8.19

659

8.01

881

8.46

587

8.31

040

8.11

290

8.04

840

7.50

860

8.00

330

7.75

595

PL1.

9030

62.

3685

12.

7015

33.

1704

93.

4218

53.

7148

53.

9164

74.

2274

04.

0082

03.

6721

03.

8574

04.

3996

04.

1285

0PT

194.

809

196.

667

196.

896

196.

105

195.

761

198.

589

200.

482

200.

482

200.

482

200.

482

200.

482

200.

482

200.

482

SE8.

4525

59.

3019

09.

1630

79.

3319

28.

5147

28.

6511

78.

9158

38.

8075

08.

4452

09.

2551

09.

1611

09.

1242

09.

1426

5SI

150.

000

144.

839

152.

766

154.

880

171.

778

180.

986

185.

948

194.

473

206.

613

217.

980

225.

977

233.

849

229.

913

SK36

.500

037

.177

038

.118

238

.864

938

.919

638

.112

939

.540

744

.123

042

.602

043

.300

042

.694

041

.489

042

.091

5TR

1046

3.6

1608

7.9

3553

5.3

5991

2.2

1032

1417

1848

2937

3644

7238

5748

1611

0242

514

3968

016

9485

115

6726

6

1

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 49PART D

euro

mill

ion,

non

-infla

tion-

adju

sted

GDPECONOMIC DATA2

Coun

try19

9319

9419

9519

9619

9719

9819

9920

0020

0120

0220

0320

04AT

155,

595

168,

108

179,

840

182,

364

181,

645

189,

332

197,

064

206,

671

212,

511

218,

333

224,

270

231,

728

BE17

7,22

619

8,40

121

1,55

121

2,47

421

6,13

722

3,68

723

5,71

324

7,79

225

3,80

026

0,01

126

7,48

027

7,35

7

BG8,

162

1,01

97,

822

9,16

811

,386

12,1

6413

,704

15,2

5016

,589

17,6

5519

,578

CH21

1,46

322

6,81

524

0,82

323

8,53

223

1,50

424

0,55

724

8,63

726

6,93

027

9,91

529

1,60

728

2,97

528

4,68

3

CY5,

641

6,27

36,

795

7,04

27,

520

8,12

08,

702

9,62

710

,205

10,7

0911

,324

11,9

40

CZ27

,099

33,6

3342

,272

48,1

9549

,683

54,4

4055

,345

60,3

9767

,960

78,3

8875

,681

79,1

18

DE

1,63

2,08

31,

763,

731

1,88

0,20

71,

878,

151

1,86

3,45

81,

916,

370

1,97

8,60

02,

030,

000

2,07

3,70

02,

110,

400

2,12

9,20

02,

184,

517

DK

115,

790

128,

024

137,

793

144,

155

149,

169

154,

069

162,

430

171,

584

177,

871

183,

125

188,

183

195,

776

EE1,

438

2,03

82,

874

3,66

44,

349

4,97

55,

218

5,92

66,

668

7,46

98,

042

8,75

3

ES38

3,40

042

5,08

944

6,88

148

0,53

549

5,62

752

5,45

456

5,41

960

9,73

465

3,28

969

6,20

874

3,04

679

1,55

9

FI78

,649

84,4

1199

,220

100,

624

108,

215

115,

596

119,

985

130,

145

135,

468

139,

803

142,

518

146,

782

FR1,

076,

493

1,13

9,31

91,

188,

101

1,22

4,60

61,

241,

129

1,29

7,57

41,

355,

102

1,42

0,13

81,

475,

584

1,52

6,82

11,

557,

245

1,61

0,89

9

GB

834,

362

876,

967

866,

787

937,

100

1,17

0,20

61,

269,

327

1,37

1,05

21,

559,

626

1,59

8,90

21,

660,

457

1,58

9,46

81,

727,

094

GR

75,9

0884

,353

89,8

8897

,973

107,

103

108,

977

117,

850

123,

140

131,

024

141,

334

152,

572

164,

809

HR

15,6

4917

,682

18,8

2418

,385

19,6

7522

,115

23,5

4024

,810

26,1

84

HU

31,4

5934

,910

34,1

1935

,580

40,3

5241

,931

45,0

7550

,655

57,8

7468

,902

73,2

3579

,360

IE43

,010

46,1

4850

,836

57,6

4970

,719

77,6

7089

,614

102,

845

114,

742

129,

344

131,

922

139,

438

IS5,

057

5,28

45,

339

5,73

16,

387

7,13

87,

896

9,12

78,

524

9,03

99,

252

9,93

6

IT81

2,36

086

3,36

883

9,04

197

1,06

51,

029,

991

1,06

8,94

71,

107,

994

1,16

6,54

81,

218,

535

1,26

0,42

81,

300,

926

1,34

7,59

1

LI91

598

61,

050

1,04

41,

017

1,06

11,

117

1,20

71,

278

1,34

51,

311

1,32

5

LT2,

539

3,57

24,

887

6,35

88,

681

9,89

610

,169

12,3

2013

,505

14,9

2616

,143

17,5

11

LU11

,377

12,9

5113

,828

14,2

9715

,417

16,8

9018

,738

21,2

7821

,971

22,5

0623

,476

24,5

27

LV2,

186

3,40

73,

742

4,39

95,

410

5,90

86,

752

8,37

99,

227

9,79

59,

868

10,4

04

MT

1,20

01,

550

1,90

02,

299

2,55

32,

752

3,66

14,

136

4,32

14,

392

4,26

74,

380

NL

268,

492

293,

571

317,

323

332,

479

332,

654

351,

648

374,

070

402,

291

429,

127

444,

649

453,

795

463,

812

NO

98,2

0910

4,29

811

3,14

012

5,28

713

8,59

613

3,72

914

8,37

318

1,07

918

9,63

220

2,72

419

5,38

119

3,79

7

PL69

,252

84,0

3010

3,94

812

1,11

113

5,70

815

0,48

315

4,35

418

0,60

120

7,12

820

2,49

718

5,17

618

6,44

7

PT67

,169

76,3

0382

,631

88,3

1093

,901

100,

355

108,

030

115,

548

122,

801

129,

171

130,

428

134,

622

SE15

5,47

417

9,61

118

9,69

821

3,17

721

8,26

322

1,16

323

5,76

825

9,90

724

4,88

025

6,23

726

7,29

727

8,02

3

SI9,

908

12,1

3015

,319

15,8

8217

,184

18,6

3419

,924

20,5

8121

,845

23,5

1824

,488

25,5

65

SK9,

928

13,0

0314

,834

16,4

0418

,699

19,7

6319

,131

21,9

2623

,322

25,7

3328

,822

32,3

67

TR12

3,19

010

8,86

112

9,56

414

3,12

116

7,79

917

7,79

617

3,09

621

6,73

616

1,83

619

2,80

321

2,26

823

6,54

1

CEA

6,48

6,87

36,

989,

308

7,31

5,25

07,

733,

079

8,15

5,92

58,

544,

452

8,97

5,42

89,

650,

254

9,96

4,81

010

,362

,803

10,4

82,5

2410

,946

,423

EU (2

5)5,

887,

388

6,34

0,35

56,

593,

625

6,93

4,95

97,

293,

634

7,63

7,05

98,

037,

429

8,56

7,24

78,

864,

205

9,17

8,82

79,

301,

826

9,71

8,53

4

Euro

4,78

1,76

25,

155,

753

5,39

9,34

75,

640,

527

5,75

5,99

65,

992,

500

6,26

8,17

96,

576,

130

6,84

2,55

27,

079,

008

7,25

6,87

87,

517,

641

Oth

ers

599,

485

648,

953

721,

625

798,

120

862,

291

907,

393

937,

999

1,08

3,00

71,

100,

605

1,18

3,97

61,

180,

698

1,22

7,88

9

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 200550 PART A PART B PART C

PopulationECONOMIC DATA

Thousands

3

(Source Eurostat)Country 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004AT 7,883 7,929 7,944 7,953 7,965 7,971 7,983 8,002 8,021 8,039 8,082 8,114

BE 10,068 10,101 10,131 10,143 10,170 10,192 10,214 10,239 10,263 10,310 10,356 10,396BG 8,485 8,460 8,427 8,385 8,341 8,283 8,230 8,191 7,929 7,892 7,846 7,801

CH 6,908 6,969 7,019 7,062 7,081 7,097 7,124 7,164 7,204 7,261 7,318 7,368CY 619 633 645 656 666 675 683 691 698 706 715 731

CZ 10,326 10,334 10,333 10,321 10,309 10,299 10,290 10,278 10,267 10,206 10,203 10,212DE 80,975 81,338 81,539 81,818 82,012 82,057 82,037 82,164 82,260 82,440 82,537 82,539

DK 5,181 5,197 5,216 5,251 5,275 5,295 5,314 5,330 5,349 5,368 5,384 5,398EE 1,511 1,477 1,448 1,425 1,406 1,393 1,379 1,372 1,367 1,361 1,356 1,351

ES 39,114 39,219 39,305 39,383 39,468 39,571 39,724 39,961 40,376 40,851 41,551 42,198FI 5,055 5,078 5,099 5,117 5,132 5,147 5,160 5,171 5,182 5,195 5,206 5,220

FR 57,369 57,565 57,753 57,936 58,116 58,299 58,497 58,749 59,043 59,342 59,635 59,901GB 58,099 58,293 58,500 58,704 58,905 59,090 59,391 59,623 59,863 59,140 59,329 59,516

GR 10,420 10,511 10,595 10,674 10,745 10,808 10,861 10,904 10,931 10,988 11,006 11,041HR 4,641 4,649 4,669 4,494 4,572 4,501 4,554 4,381 4,437 4,443 4,442 4,496

HU 10,365 10,350 10,337 10,321 10,301 10,280 10,253 10,222 10,200 10,175 10,142 10,117IE 3,569 3,583 3,598 3,620 3,652 3,694 3,735 3,777 3,826 3,900 3,964 4,025

IS 262 265 267 268 270 272 276 279 283 287 289 291IT 56,960 57,139 57,269 57,333 57,461 57,563 57,613 57,680 57,844 56,994 57,321 57,804

LI 30 30 31 31 31 31 32 32 33 34 34 34LT 3,694 3,671 3,643 3,615 3,588 3,562 3,536 3,512 3,487 3,476 3,463 3,446

LU 395 400 406 412 417 422 427 434 439 444 448 452LV 2,586 2,541 2,501 2,470 2,445 2,421 2,399 2,382 2,364 2,346 2,332 2,320

MT 363 366 370 371 374 377 379 389 391 395 397 400NL 15,239 15,342 15,424 15,494 15,567 15,654 15,760 15,864 15,987 16,105 16,193 16,255

NO 4,299 4,325 4,348 4,370 4,393 4,418 4,445 4,479 4,503 4,524 4,552 4,577PL 38,418 38,505 38,581 38,609 38,639 38,660 38,667 38,654 38,644 38,633 38,219 38,191

PT 9,965 9,983 10,013 10,041 10,070 10,108 10,150 10,198 10,263 10,329 10,408 10,475SE 8,692 8,745 8,816 8,838 8,845 8,848 8,854 8,861 8,883 8,909 8,941 8,976

SI 1,994 1,989 1,990 1,990 1,987 1,985 1,978 1,988 1,990 1,994 1,995 1,996SK 5,314 5,337 5,356 5,368 5,379 5,388 5,393 5,399 5,379 5,379 5,379 5,380

TR 59,489 60,573 61,644 62,695 63,745 64,789 65,819 66,835 68,610 69,260 70,173 71,254CEA 528,288 530,895 533,214 535,168 537,327 539,150 541,157 543,203 546,317 546,724 549,213 552,275EU (25) 368,983 370,421 371,606 372,715 373,800 374,720 375,720 376,956 378,530 378,354 380,359 382,310Euro 297,012 298,186 299,073 299,923 300,775 301,488 302,161 303,142 304,435 304,937 306,706 308,420

Others 159,305 160,474 161,608 162,452 163,528 164,430 165,438 166,246 167,787 168,370 168,854 169,965

© COMITÉ EUROPÉEN DES ASSURANCES The European Insurance Industry, 2004 Data - June 2005 51PART D

Country 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004AT 95.0 97.8 100 101.5 102.8 103.8 104.4 106.8 109.6 111.6 113.1 114.6

BE 96.3 98.6 100 102.1 103.7 104.7 105.9 108.6 111.3 113.1 114.9 116.7BG 100.0 118.7 121.8 138.3 148.6 157.2 160.8 170.1

CH 97.4 98.2 100 100.8 101.3 101.4 102.2 103.8 104.8 105.5 106.1 106.7CY 92.7 97.0 100 104.0 107.8 110.1 113.0 117.6 122.0 126.0 130.0 134.0

CZ 83.4 91.7 100 108.8 118.0 130.6 133.3 138.5 145.1 147.7 147.9 148.1DE 95.5 98.2 100 101.4 103.3 104.3 104.9 106.5 108.6 110.1 111.2 112.3

DK 96.1 98.0 100 102.1 104.4 106.3 108.9 112.1 114.7 117.5 120.0 122.5EE 52.5 77.5 100 123.0 136.8 151.1 156.1 162.4 171.7 180.0 189.0 198.0

ES 91.3 95.6 100 103.6 105.6 107.5 110.0 113.8 117.9 121.5 125.2 128.9FI 97.9 99.0 100 100.6 101.8 103.3 104.5 107.6 110.4 112.1 113.1 114.1

FR 96.7 98.3 100 102.0 103.2 104.0 104.6 106.2 107.9 110.0 112.3 114.6GB 94.3 96.7 100 102.4 105.7 109.3 111.0 114.2 116.3 118.2 121.6 125.0

GR 82.8 91.8 100 108.2 114.2 119.6 122.8 126.6 130.9 135.6 140.5 145.4HR 100 103.5 107.2 113.3 118.0 125.3 133.1 136.0 138.4 146.3

HU 65.6 77.9 100 123.5 146.1 166.7 183.4 201.4 219.9 231.5 242.3 253.1IE 95.3 97.6 100 101.7 103.2 105.7 107.4 113.5 119.0 124.6 128.9 133.2

IS 96.9 98.3 100 102.3 104.1 105.8 109.3 114.9 122.2 128.6 131.2 133.8IT 91.3 95.2 100 104.0 106.1 108.2 109.9 112.8 115.9 118.8 122.0 125.2

LI 97.4 98.2 100 100.8 101.3 101.4 102.2 103.8 104.8 105.5 106.1 106.7LT 41.6 71.6 100 124.6 135.7 142.6 143.7 145.0 146.9 149.0 152.0 155.0

LU 96.0 98.1 100 101.3 102.6 103.6 104.7 108.0 110.9 113.2 115.5 117.8LV 58.9 80.0 100 117.6 127.5 133.5 136.6 140.2 143.7 147.0 151.0 155.0

MT 92.7 97.0 100 104.0 107.8 110.1 113.0 115.0 117.9 120.0 122.5 125.0NL 95.5 98.1 100 102.0 104.2 106.3 108.6 111.2 115.8 119.6 122.2 124.8

NO 96.2 97.6 100 101.2 103.9 106.2 108.7 112.0 115.4 116.9 118.9 120.9PL 59.2 78.2 100 119.9 137.7 153.7 164.9 181.6 191.5 195.2 196.7 198.2

PT 91.4 96.2 100 103.1 105.5 108.4 110.9 114.1 119.1 123.3 127.4 131.5SE 94.8 97.2 100 100.8 101.7 102.1 102.4 103.8 106.5 109.0 111.3 113.6

SI 72.8 88.1 100 109.9 119.1 128.5 136.4 148.5 161.0 173.0 183.0 193.0SK 80.2 90.9 100 105.8 112.2 119.7 132.4 148.4 159.2 164.2 178.3 192.4

TR 25.8 52.9 100 180.0 335.0 618.0 1,020 1,580 2,439 3,536 4,431 5,326EU 100 102.5 104.6 106.5 107.8 110.3 113.0 115.4 118.0 120.6

InflationECONOMIC DATA4

Printed byWAUQUIER IMPRIMERIE S.A8 rue PasteurF - 78270 Bonnières-sur-Seine

ISBN N° :

Edited by ITALIQUEITALIQUEITALIQUEITALIQUEITALIQUE

The Comité Européen desAssurances (CEA) is the Euro-pean insurance federation. Its32 national member associa-tions cover over 93% of domes-tic insurance business. Themore than 5000 insurance andreinsurance companies repre-sented by CEA have total do-mestic premium income of927 bn Euros, employ morethan 1 million people and in-vest over 5800 bn Euros in theeconomy.

CEA represents the industry’sviews to the EU institutions andinternational regulators and su-pervisors to ensure an appro-priate regulatory framework.

© COMITÉ EUROPÉEN DES ASSURANCESThe European Insurance industry, 2004 Data - June 2005

Photography CEA