Our key financial figures

Consolidated result, premium income or expenses for claims and benefits to customers are some of the key figures recording the development of our business as compared to the previous year. We also show how business was divided across the different lines of business. 

Overview of ERGO Group



 2018 2017 Change previous year (%)
Total premium income € million  18,688 18,548 0.8
Gross premiums written € million  17,778 17,546 1.3
Expenses for claims and benefits (net) € million 15,121 17,336 -12.8
Investment result € million  3,983 4,851 -17.9
Operating result € million  1,261 1,168 7.9
Consolidated result € million  412 273 51.0
Investments € million  132,090 132,616 -0.4
Technical provisions (net) € million  128,634 129,381 -0.6
Registered representatives 11,620  12,596 -7.7
Salaried employees  28,522 29,721 -4.0


Total premium income 1) - business fields



2018 2017 Change previous year (%)
Life Germany € million  3,433 3,525 -2.6
Health € million  4,869 4,855 0.3
Property-casualty Germany € million  3,377 3,293 2.5
Direct insurance € million 1,093 1,057 3.4
Travel insurance € million  579 464 24.8
International € million 5,337 5,352 -0.3
Total € million 18,688 18,548 0.8

1) Fully consolidated Group values