Peer group

Insurer or group

One insurer, or a group's companies in one market added together.

Market

The market the figures are for.

Premium €m

The latest year's premium before reinsurance, in millions of euros.

Growth

The change in premium on the year before, in local currency, in euros or after inflation as chosen at the top; a group counts the same companies in both years.

Market share

Premium as a share of all premium in its market that year.

Rank

Its place by premium in its market: an insurer among insurers, a group among groups and independent insurers.

Life share

Life insurance as a share of its premium.

Largest line

The non-life line with the most premium and its share of all premium; Life for a life insurer.

Loss ratio

Non-life claims over earned premium, before reinsurance; lower is better, and ≈ marks an approximate ratio outside Solvency II.

Combined

Claims and costs over earned premium in non-life business, after reinsurance where published; below 100%, the insurance itself makes money.

Combined, gross

The same ratio before reinsurance.

SCR ratio

Capital cover: the capital it holds over the capital it must hold; above 100%, the requirement is met, and ≈ marks a solvency margin outside Solvency II.

Net profit €m

Profit after tax as reported, in millions of euros.

ROE

Return on equity: net profit after tax over the average shareholders' equity of the year; higher means more profit on each euro of capital.

Growth a year, 5 yrs

Average yearly growth of premium from the first year on file to the latest, in local currency.

Latest quarter, yoy

Premium so far this year, to the latest quarter published, against the same months a year earlier.

How each one is calculated: What Polisa measures, on the method page.