Significant improvement in the product mix and very tight grip on costs

Analysis of EBIT by segment (as a %)

  • Savings / pensions : 39%
  • Personal risk / protection(1) : 40%
  • Own funds portfolio : 21%

(1) Personal risk, health, term creditor and property and casualty insurance.

Unit-linked premium income

up 14 %

Steady reduction in cost / income ratio(2) (as a %)

  • 32.9 % en 2016
  • 30.8 % en 2017
  • 29.6 % en 2018

(2) This indicator measures operational efficiency in terms of administrative expenses. It is calculated by dividing administrative expenses by net insurance revenue. A lower ratio indicates an improvement in operational efficiency.