PROPERTY&CASUALTY SEGMENT INDICATORS BY COUNTRY

Property&Casualty segment indicators by country

(€ million)Gross written premiumsOperating result
 31/12/201531/12/201431/12/201531/12/2014
Italy 5,947 6,132 704 720
France 2,538 2,545 128 32
Germany 3,608 3,547 389 366
Central and Eastern Europe 1,976 1,884 204 239
EMEA 4,41 4,246 377 402
  Spain 1,358 1,281 151 167
  Austria 1,432 1,426 166 172
  Switzerland 759 675 74 74
  Other EMEA 860 864 -13 -12
Americas 1,156 1,057 11 -65
Asia 128 103 6 3
International Operations 1,106 1,102 167 133
Total 20,868 20,617 1,987 1,831

Direct written premiums by line of business

Property&Casualty direct written premiums by line of business by country

(€ million)Motor Non motor Total 
 31/12/201531/12/201431/12/201531/12/201431/12/201531/12/2014
Italy 2,303 2,485 3,515 3,539 5,818 6,023
France 884 919 1,593 1,571 2,477 2.490
Germany 1,397 1,360 2,206 2,182 3,603 3,542
Central and Eastern Europe 989 926 950 925 1,939 1,851
EMEA 1,675 1,592 2,652 2,554 4,327 4,146
  Spain 380 333 936 913 1,317 1,246
  Austria 557 552 863 856 1.42 1,408
  Switzerland 330 307 427 366 757 673
  Other EMEA 406 399 426 419 833 819
Americas 865 769 283 283 1,148 1,051
Asia 12 9 79 73 91 82
International Operations 4 3 731 732 735 735
Total direct written premiums 8,129 8,062 12,009 11,859 20,138 19,921

Technical indicators by country

(€ million)Combined ratio*Loss ratio Expense ratio
 31/12/201531/12/201431/12/201531/12/201431/12/201531/12/2014
Italy 89.1% 89.2% 66.6% 67.1% 22.5% 22.1%
France 100.2% 104.9% 72.6% 77.2% 27.6% 27.7%
Germany 92.4% 92.6% 64.6% 64.3% 27.9% 28.3%
Central and Eastern Europe 90.1% 87.7% 57.9% 55.8% 32.2% 31.9%
EMEA 95.2% 95.5% 66.9% 67.7% 28.3% 27.8%
  Spain 93.2% 93.3% 65.1% 65.0% 28.1% 28.3%
  Austria 93.4% 94.2% 66.1% 66.9% 27.3% 27.3%
  Switzerland 92.2% 92.7% 68.3% 70.2% 23.8% 22.6%
  Other EMEA 107.0% 105.1% 71.0% 71.7% 36.1% 33.4%
Americas 106.1% 113.3% 66.0% 74.3% 40.1% 39.0%
Asia 94.4% 97.6% 49.7% 56.3% 44.7% 41.2%
International Operations 85.9% 83.7% 63.6% 60.6% 22.3% 23,1%
Total 93.1% 93.8% 65.9% 66.7% 27.3% 27.1%

(*) CAT claims impacted on the Group combined ratio for 1.6 pps of which 2.1 pps in Italy, 1.9 pps in France, 2.3 in Germany, 1 pp in European Eastern Countries, 1 pp in EMEA and 4.1 pps in Asia (At 31 december 2014 CAT claims impacted on the Group combined ratio for 1.2 pps, of which 1.7 pps in Italy, 2.4 pps in France and 1.1 pps in Germany).