Premiums written (including savings portion) up 0.6 per cent at €2,814.9 million Retained premiums earned rise by 1.7 per cent to €2,425.1 million Combined ratio increases slightly to 97.3 per cent Investment income improves 4.2 per cent to €301.0 million Earnings before taxes: €135.9 million (2018: €97.6 million excluding Casino non-recurring effect) Earnings outlook for 2019: slight growth in premiums and further improvement in earnings before taxes compared with previous year’s adjusted figure Plans to continue progressive dividend policy confirmed