fit grew to 5.6 (5.5) billion euros, an increase of 1.7 percent, and exceeding our full-year outlook midpoint.

The Contractual Service Margin (CSM) remained broadly stable at 55.7 billion euros compared to 55.6 billion euros11at the end of 2024. Very good normalized CSM growth of 5.2 percent was largely offset by foreign currency translation effects and non-economic movements.

Core messages Life/Health insurance 4Q 2025


New business margin strong at 5.8 percent

Value of new business increases 12 percent adjusted for foreign currency translation effects and scope changes

Operating profit good at 1.4 billion euros


In4Q 2025, PVNBP, the present value of new business premiums, amounted to 21.2 billion euros (4Q 2024: 21.2 billion euros), an increase of 7.8 percent adjusted for foreign currency translation effects and scope changes10. The share of new business premiums generated in our preferred lines was 90 percent
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