Group Functions and Consolidation

Group Functions

Group functions key figures

In € million

2025

2024

2023

Financial result

342.8

548.6

472.6

Non-technical result

–106.3

–68.8

–50.8

Earnings before taxes

172.1

414.8

356.4

In the Group Functions segment, the financial result fell in 2025 by 37.5 per cent to €342.8 million (2024: €548.6 million).

The non-technical result in this segment amounted to €–106.3 million (2024: €–68.8 million).

As a result, earnings before taxes decreased in 2025 to €172.1 million (2024: €414.8 million).

Consolidation

Consolidation key figures

In € million

2025

2024

2023

Insurance service result

5.4

3.7

–12.6

Financial result

–463.9

–642.0

–588.9

Net investment income

–350.7

–576.5

–734.5

Non-technical result

1.1

3.1

15.7

Earnings before taxes

–402.9

–580.4

–528.6

In the Consolidation segment, the insurance service result in 2025 amounted to €5.4 million (2024: €3.7 million).

The financial result in 2025 was €–463.9 million (2024: €–642.0 million). Net investment income amounted to €–350.7 million (2024: €–576.5 million).

The non-technical result was positive at €1.1 million (2024: €3.1 million).

Earnings before taxes in the Consolidation segment amounted to €–402.9 million (2024: €–580.4 million).

Insurance service result
The insurance service result is the difference between the insurance income and the insurance service expenses (for example benefits, directly attributable costs) and indicates whether the insurance business is operationally profitable.
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