Core messages Life/Health insurance 12M 2025


Good PVNBP growth of 3.5 percent from exceptionally high prior year level

Very good normalized CSM growth of 5.2 percent

Operating profit above full-year outlook midpoint


In12M 2025, PVNBP, the present value of new business premiums, reached 84.7 billion euros (12M 2024: 81.8 billion euros), an increase of 3.5 percent from an exceptionally high prior year level or 7.5 percent higher adjusted for foreign currency translation effects and scope changes10. Growth was spread across most regions. The share of new business premiums generated in our preferred lines was 91 percent (93 percent).

The new business margin remained strong at 5.7 percent (5.7 percent) and the value of new business rose to 4.8 (4.7) billion euros, an increase of 5.8 percent adjusted for foreign currency translation effects and scope changes10.

Operating pro
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