Footnotes

Premiums written: Gross premiums written comprising all amounts due during the financial year in respect of insurance contracts, regardless of the fact that such amounts may relate in whole or in part to a later financial year.
Claims incurred: Sum of the claims paid in respect of the financial year and the provision for claims for that financial year, minus the provision for claims for the preceding financial year.
Commissions: Acquisition expenses paid by ICs to other entities to sell their products.