1. Please find below from given financial statements:

a) Premium Growth: Gross Premium Written (Y1) - Gross Premium Written (Y0) x 100 /Gross Premium Written (YO).

b) Risk retention: Net premium Written/ Gross Premium written

c) Loss Ratio: (Net claims Incurred /Net Premium Earned)*100.

d) Expense Ratio: underwriting expenses/premium written

e) Combined ratio: Loss Ratio + Expense Ratio

f) Investment Yield: Interest income, rents and other investment income/ Average total investments.

Consolidated Balance Sheet as of December 31, 2021
Assets	12/31/2021	12/31/2020	Change
	EUR mn	EUR mn
Cash and cash equivalents	24,214	22,443	7.90%
Financial assets carried at fair value through income	19,604	21,191	-7.50%
Investments	663,649	656,522	1.10%
Loans and advances to banks and customers	124,079	116,576	6.40%
Financial assets for unit-linked contracts	158,346	137,307	15.30%
Reinsurance assets	56,731	20,170	181.30%
Deferred acquisition costs	23,756	21,830	8.80%
Deferred tax assets	1,910	1,006	89.90%
Other assets	48,264	45,573	5.90%
Non-current assets and assets of disposal groups classified as held for sale	145	1,790	-91.90%
Intangible assets	18,732	15,604	20.00%
Total assets	1,139,429	1,060,012	7.50%
Liabilities and equity	12/31/2021	12/31/2020	Change
	EUR mn	EUR mn
Financial liabilities carried at fair value through income	20,891	24,079	-13.20%
Liabilities to banks and customers	15,468	14,722	5.10%
Unearned premiums	27,501	25,341	8.50%
Reserves for loss and loss adjustment expenses	86,974	80,897	7.50%
Reserves for insurance and investment contracts	632,061	611,096	3.40%
Financial liabilities for unit-linked contracts	158,346	137,307	15.30%
Deferred tax liabilities	5,626	8,595	-34.50%
Other liabilities	86,596	49,005	76.70%
Liabilities of disposal groups classified as held for sale	0	1,134	-100.00%
Certificated liabilities	10,788	9,206	17.20%
Subordinated liabilities	10,956	14,034	-21.90%
Total liabilities	1,055,207	975,417	8.20%
Shareholders' equity	79,952	80,821	-1.10%
Non-controlling interests	4,270	3,773	13.20%
Total equity	84,222	84,594	-0.40%
Total liabilities and equity	1,139,429	1,060,012	7.50%

Consolidated Income Statements 2021	12/31/2021	12/31/2020	Change
	EUR mn	EUR mn
Gross premiums written	86,063	82,986	3.70%
Ceded premiums written	-7,567	-6,752	12.10%
Change in unearned premiums (net)	-840	-520	61.70%
Premiums earned (net)	77,656	75,714	2.60%
Interest and similar income	23,137	21,395	8.10%
Income from financial assets and liabilities carried at fair value through income (net)	-2,008	-69	2813.50%
Realized gains/losses (net)	9,432	10,256	-8.10%
Fee and commission income	13,998	12,049	16.20%
Other income	24	163	-85.60%
Total income	122,230	119,508	2.30%
Claims and insurance benefits incurred (gross)	-62,926	-61,818	1.80%
Claims and insurance benefits incurred (ceded)	5,804	4,728	22.80%
Claims and insurance benefits incurred (net)	-57,121	-57,091	0.10%
Change in reserves for insurance and investment contracts (net)	-13,716	-12,976	5.70%
Interest expenses	-1,159	-999	16.00%
Loan loss provisions	-11	-15	-27.40%
Impairments of investments (net)	-1,331	-5,467	-75,7%
Investment expenses	-1,962	-1,640	19.70%
Acquisition and administrative expenses (net)	-31,422	-26,644	17.90%
Fee and commission expenses	-5,000	-4,024	24.20%
Amortization of intangible assets	-307	-260	17.90%
Restructuring and integration expenses	-666	-788	-15.50%
Other expenses	-15	0	24164.90%
Total expenses	-112,710	-109,905	2.60%
Income before income taxes	9,502	9,604	-0.90%
Income taxes	-2,415	-2,471	-2.20%
Net income	7,105	7,133	-0.40%
Net income attributable to:
Non-controlling interests	495	326	51.70%
Shareholders	6,610	6,807	-2.90%