The increase in premiums is attributable to all lines of business and segments. The highest premium increases were achieved in health insurance (+12.1%), motor third-party liability (+11.9%) and life insurance without profit participation (+11.8%).
Insurance service revenue increased by 8.6% to EUR9.7 billion, with all lines of business and segments demonstrating clear growth here too.
Profit before taxes increased by 31% year on year to EUR872.8 million, mainly resulting from the segments Special Markets, Poland, Czech Republic and Austria. The significant improvement in the combined ratio and the increased business volume were the main factors contributing to profit growth.
The net combined ratio at the end of Q3/2025 stood at 92.1%, placing it significantly below the previous year’s result of 94.3% by 2.2 percentage points. Significantly lower weather-related claims (around EUR160 million) compared to the previous year (around EUR338 million) was the main factor driving this positive performance.