Business development by segment

Developments in the segments Austria, Czech Republic, Slovakia, Poland, Romania, Baltic states, Hungary, Bulgaria, Turkey/Georgia, Remaining CEE, Other Markets and Central Function are explained below. The discussion focuses on presenting business developments in these segments and outlines areas of change in the various insurance markets. A detailed presentation of the consolidated income statement by regional segments and premiums written by regional segments and lines of business is provided on page 105 in the notes to the consolidated financial statements and in Note 15. Premiums written – gross on page 159.