Key figures


KEY FIGURES					(€ million)
Results	2005	2006	2007	2008	2009

Gross written premiums	6,577	14,302	14,853	19,306	19,645
Contribution investment contracts	448	623	757	307	353

Profit before tax	826	1,215	1,041	-2,620	1,507
Net profit	706	985	979	-2,118	1,381

Insurance gross written premiums
Non-life	1,699	2,684	2,915	3,816	4,030
Health	2,072	7,154	7,521	11,259	10,617
Life	2,807	4,464	4,417	4,231	4,998

Banking
Net interest margin	161	142	157	191	185

STATEMENT OF FINANCIAL POSITION
Total assets	83,293	86,448	100,582	92,453	93,189
Total investments (excluding unit linked)*	39,062	38,736	40,328	38,768	40,657
Banking credit portfolio	16,459	17,272	18,035	18,921	19,302
Total equity	8,525	9,632	10,375	7,451	10,127
Embedded value life business	4,537	6,089	6,374	4,123	4,910

* Includes Investments in associated companies and participating interests, Investment property and Investments


PROFIT BEFORE TAX	(€ million)


KEY RATIOS					(%)
	2005	2006	2007	2008	2009
Group
Solvency insurance entities	218	239	232	150	216
Solvency insurance entities	234	236	234	197	225
Return on equity	12.7	13	9.7	-23.4	15.8
Return on adjsuted equity	16.9	14.7	12.9	-38.6	20
Debt leverage	15.3	18.3	23	36.4	22.7

Insurance
Combined ratio non-life	89.9	88.5	96.4	95.6	96.8
Combined ratio health	94.5	100.4	99	100.1	98.4

Banking
Cost/income ratio	72.2	84.2	64.7	61.9	64.4
BIS ratio*	16	14.2	15.2	14.5	14.2

Figures per ordinary share (€)
Net profit	2.98	2.92	2.92	-6.65	3.36
Proposed dividen on ordinary shares	1.41	1.41	1.41	0	1.43

EMPLOYEES
Full time equivalents (FTEs)	20,166	21,784	24,035	24,883	23,676
Number of employees				28,327	27,681
Absenteeism**	5.0%	4.8%	4.9%	4.3%	4.2%
Employee satisfaction**	64%	68%	73%	76%	78%

CUSTOMER SATISFACTION
Centraal Beheer Achmea				7.5	7.8
Interpolis				7.3	7.5
Zilveren Kruis Achmea				7.1	7.3
Agis				7.4	7.4

RATING***
Rating Eureko B.V.	A-	A-	A-	A-	A-
Rating insurance entities	A+	A+	A+	A+	A+
Rating Achmea Hypotheekbank	A	A-	A-	A-	A-

Eureko Annual Report 2009