PROPERTY&CASUALTY SEGMENT INDICATORS BY COUNTRY

Property&Casualty segment indicators by country

(€ million)Gross written premiumsOperating result
 31/12/201631/12/2015 31/12/201631/12/2015
Italy 5,701 5,947 669 704
France 2,514 2,538 137 128
Germany 3,651 3,608 428 389
Central and Eastern Europe 2,041 1,976 204 204
EMEA 4,539 4,410 440 377
  Spain 1,461 1,358 168 151
  Austria 1,441 1,432 169 166
  Switzerland 761 759 70 74
  Other EMEA 876 860 32 -13
Americas 971 1,156 58 11
Asia 198 128 1 6
International Operations 1,168 1,106 108 167
Total 20,783 20,868 2,044 1,987

Direct written premiums by line of business by country

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

(€ million)MotorNon-motorTotal
 31/12/201631/12/2015 31/12/201631/12/2015 31/12/201631/12/2015
Italy 2,184 2,303 3,390 3,515 5,574 5,818
France 840 884 1,624 1,593 2,464 2,477
Germany 1,429 1,397 2,219 2,206 3,648 3,603
Central and Eastern Europe 1,052 989 952 950 2,004 1,939
EMEA 1,745 1,675 2,726 2,652 4,470 4,327
  Spain 448 380 972 936 1,420 1,317
  Austria 561 557 871 863 1,432 1,420
  Switzerland 310 330 449 427 759 757
  Other EMEA 426 406 434 426 860 833
Americas 749 865 213 283 963 1,148
Asia 16 12 90 79 106 91
International Operations 8 4 794 731 802 735
Total direct written premiums 8,023 8,129 12,009 12,009 20,032 20,138

Technical indicators by country

(€ million)Combined ratio*Loss ratioExpense ratio
 31/12/201631/12/2015 31/12/201631/12/2015 31/12/201631/12/2015
Italy 89.9% 89.1% 66.0% 66.6% 23.9% 22.5%
France 99.4% 100.2% 71.5% 72.6% 27.9% 27.6%
Germany 90.0% 92.4% 63.0% 64.6% 27.0% 27.9%
Central and Eastern Europe 89.5% 90.1% 58.6% 57.9% 30.9% 32.2%
EMEA 93.3% 95.2% 65.1% 66.9% 28.2% 28.3%
  Spain 92.3% 93.2% 64.5% 65.1% 27.9% 28.1%
  Austria 91.9% 93.4% 64.3% 66.1% 27.7% 27.3%
  Switzerland 92.8% 92.2% 67.5% 68.3% 25.3% 23.8%
  Other EMEA 98.8% 107.0% 65.6% 71.0% 33.2% 36.1%
Americas 102.7% 106.1% 64.2% 66.0% 38.4% 40.1%
Asia 100.5% 94.4% 58.9% 49.7% 41.7% 44.7%
International Operations 90.0% 85.9% 66.7% 63.6% 23.4% 22.3%
Total 92.5% 93.1% 65.1% 65.9% 27.4% 27.3%

(*) CAT claims impacted on the Group combined ratio for 1.5 pps, of which1.9 pps in Italy, 1.8 pps in France, 2.0 pps in Germany, 1.0 pps in European Eastern Countries and 1.7 pps attributable to International Operations (At 31 December 2015 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 pps in Germany, 1 p.p. in Central and Eastern Europe, 1 pps in EMEA and 4,1 p.p in Asia).