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.