Non-life insurance companies. Profit and loss account (accumulated) . NOK Million

Life and non-life insurance companies, 3rd quarter 2010

6 Non-life insurance companies. Profit and loss account (accumulated)¹. NOK Million
	30.09.2009	31.12.2009*	31.03.2010*	30.06.2010*	30.09.2010*



Earned premiums, net of reinsurance	35 652	49 356	12 089	24 519	37 559
Gross premiums written	43 875	57 430	19 699	33 398	44 872
- Reinsurers share of gross premiums written	-5 409	-7 115	-1 893	-3 509	-4 421
Gross change in the provisions for unearned premiums	-3 681	-1 380	-6 296	-6 413	-3 389
- Reinsurance share	868	422	579	1 042	498

Claims incurred and net change in technical provisions	26 425	35 458	10 494	19 006	27 838
Gross claim payment	27 459	38 058	9 429	18 860	27 962
Reinsurers share of gross claim payments	-3 171	-4 632	-1 175	-2 162	-3 671
Gross change in the provision for outstanding claims	1 227	1 523	1 922	2 616	2 357
Reinsurers share, gross change in the provision for outstanding claims	636	281	247	-444	1 132
Bonuses and rebates	-1	38	4	9	18
Net change in technical provisions	275	190	67	127	41

Other operating income /costs	-7 812	-11 278	-2 771	-5 415	-8 298
Commisions received	8	10	3	6	8
Operating income real property	162	207	51	104	171
Other operating income	1 667	2 196	642	1 243	1 786
Personnel costs	3 905	5 394	1 239	2 415	3 694
Commisions submitted	1 158	1 827	379	914	1 612
Operating costs real property	34	45	10	19	47
Depreciations of non-financial assets	174	258	135	274	385
Other operating costs	4 377	6 165	1 704	3 145	4 526

Investment income /costs	3 602	4 647	866	2 235	3 333
Interest income	3 376	4 280	989	2 058	3 057
Share dividend etc.	374	552	-90	236	347
Interest costs	148	185	33	59	72

Gains/losses, value (re-)adjustments on financial assets	3 204	4 141	1 293	637	1 804
Net realized gains/losses	221	865	411	854	921
Net change in value	2 983	3 276	882	-218	883

Profit/loss on ordinary activities	8 221	11 408	984	2 969	6 561

Other result components	0	-156	68	109	282

Tax	1 884	2 433	-156	252	1 039

Profit/loss	6 337	8 819	1 208	2 826	5 804

Spesifications
Balance on the technical account for non-life insurance	3 348	5 370	-503	1 403	3 115

¹From January 2008, new annual account regulation for insurance companies adapted to the new International FinancialReporting Standards (IFRS) was introduced. New regulation for life insurance was introduced at the same time. Bothchanges have had an impact on the content and presentation of the insurance statistics. The statistics from 2008 cannot be compared with those from previous years.