s and underlying improvements from underwriting actions overcompensated a conservative run-off ratio. The expense ratio improved by 0.3 percentage points to 23.9 percent (24.2 percent), reflecting a successful ongoing productivity focus.

The retail6business delivered excellent internal growth of 9 percent while our commercial7business grew by 7 percent.

Profitability in both retail and commercial was strong. The retail combined ratio improved 1.8 percentage points to 92.4 percent (94.1 percent), while in commercial the combined ratio reached an excellent level of 91.7 percent (92.2 percent), an improvement of 0.5 percentage points.

Core messages Property-Casualty insurance 4Q 2025


Strong internal growth of 6.7 percent

Excellent operating profit of 2.1 billion euros, up 10 percent

Very good combined ratio, supported by a better loss ratio and expense ratio


In4Q 2025,total business volume reached 19.9 b
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