10



Sale of our stake in UniCredit JV and transfer of our German accident insurance with premium refund (APR) and the Austrian health businesses from the P/C segment to the L/H segment.





11



Figure includes gross CSM of EUR 0.8 bn as of December 31, 2024 for UniCredit Allianz Vita S.p.A., which was classified as held for sale in the third quarter of 2024.





12



Internal growth.














4Q & 12M 2025 RESULTS TABLE






Allianz Group - key figures 4th quarter and fiscal year 2025















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