Slide 1: Nine months 2015 results
Nine months 2015 results Presentation for investors and analysts 4th November 2015
Slide 2: Contents
Contents 1 Key highlights 2 Consolidated financial information 3 Financial supplement 4 Schedule and contacts 2
Slide 3: Resilient growth, especially in the international business
1 Key highlights Resilient growth, especially in the international business Revenues 20,586.6 6.8% Premiums 17,340.6 5.4% -Non-life 13,780.4 10.0% -Life 3,560.2 -9.3% Non-life combined ratio 98.7% 2.9 p.p. -Loss ratio 70.0% 2.0 p.p. -Expense ratio 28.7% 0.9 p.p. Attributable result 591.3 -12.1% Earn
Slide 4: Highlights
1 Key highlights Highlights Growth in Non-Life premiums, both in Spain and abroad, as well as in reinsurance, which offset the fall in the Life business in Spain, due to the unfavorable interest rate environment Decline in the Non-Life underwriting result, due to extraordinary claims from the winter
Slide 5: Interim dividend of €0.06 per share maintained
1 Key highlights MAPFRE´s strong solvency levels allow to maintain an interim dividend of €0.06 per share The Board of Directors has approved an interim dividend 2015 Interim of €0.06 per share against 2015 results dividend Total dividend to be paid in the year amounts to €0.14 per share. The to
Slide 6: Currency movements have impacted both P&L and the balance sheet
1 Key highlights Currency movements have impacted both P&L and the balance sheet US Dollar Brazilian Real Turkish Lira Colombian Peso Venezuelan Bolivar 21% 8% -0.1% -2% -1% -14% -12% -11% -16% -17% -16% -23% -28% -77% Var. Average Exchange Rates 9M 2015 vs. 9M 2014 Var. Exchange Rates 30/09/2015 vs
Slide 7: Balance between growing and mature markets
1 Key highlights MAPFRE maintains a balance between growing and mature markets . . . Premiums(1) Contribution to consolidated results EUR M % MAPFRE RE IBERIA 416.2 59.0% 2,929.9 (15.8%) APAC IBERIA BRAZIL 132.4 18.8% 87.6 (0.5%) 5,085.2 (27.3%) NORTH AMERICA -44.5 -6.3% LATAM SOUTH 33.1 4.7% EMEA 1
Slide 8: Prudent and diversified product mix
1 Key highlights . . . as well as a prudent and diversified product mix Premium breakdown Of which: Non-Life: 13.3% Life: 2.5% MAPFRE RE LIFE PROTECTION (15.8%) (8.9%) LIFE SAVINGS HEALTH & (7.4%) ACCIDENTS (5.9%) OTHER P&C (8.7%) MOTOR (28.6%) GENERAL P&C INSURANCE (24.7%) 8
Slide 9: Brazil: leading market position and resilient underlying growth
1 Key highlights BRAZIL: leading market position and resilient underlying growth despite the slowdown in Agro insurance . . . BB MAPFRE- Market shares and ranking MAPFRE BRASIL - Premium growth LIFE +4.7% MOTOR +3.3% 18.4% 19.5% 17.3% 15.0% OTHER P&C +5.3% Total (excl. Life Life - protection Motor O
Slide 10: Highly diversified business in Brazil
1 Key highlights . . .with a highly diversified business, well positioned to weather the cycle . . . Product mix (1) Distribution channels Bank channel MAPFRE 14% LIFE 74% 26% 34% MOTOR 42% 58% 19% €3,584.0 million AGRO 85% 15% 33% OTHER P&C 26% 74% TOTAL 55% 45% Life Motor Other P&C Agro insurance
Slide 11: Good track record of profitability
1 Key highlights . . . proven by a good track record of profitability Solid combined ratios 94.0% 92.6% 94.3% 96.1% 93.1% 94.1% 91.9% 92.6% 94.6% 93.8% 93.8% 58.3% 58.3% 56.8% 56.8% 60.3% 60.8% 59.6% 62.6% 60.7% 60.1% 58.9% 35.7% 34.3% 37.5% 39.3% 32.8% 33.3% 33.0% 33.0% 32.0% 33.1% 33.7% 3M 2013 6M
Slide 12: MAPFRE USA: foundations for profitable growth
1 Key highlights MAPFRE USA: strategy is focused on setting the foundations for profitable growth, while immediate action has been taken to reduce the risk profile Tariff increases (+8.9%)* Increase in Higher reinsurance deductibles protection Improved risk selection 12 *In Homeowner insurance in Ma
Slide 13: Spain: market share gains with good combined ratio
1 Key highlights SPAIN: MAPFRE has historically gained market share with a good combined ratio . . . Motor Insurance: combined ratio and market share 1991 – September 2015 180% 23% MAPFRE MARKET SHARE 170% 21% 160% 19% 150% 17% 140% 15% 130% 13% 120% 11% 110% MAPFRE COMBINED RATIO 9% 100% 90% 7% 80%
Slide 14: Maintaining competitive advantage in motor insurance
1 Key highlights . . . while maintaining its competitive advantage . . . Motor Insurance: combined ratio - MAPFRE vs. Market (without MAPFRE) 100.3% 100% 99.2% 98.7% 97.9% 98.4% 98% 97.8% 98.3% 98.1% 96.9% 96% 96.0% 95.5% 94.9% 94.4% 94% 94.1% 93.8% 92.0% 92% 91.7% 91.2% 91.5% 90% 89.9% Market (w/o
Slide 15: Strict cost control and rigorous underwriting
1 Key highlights . . . supported by strict cost control and rigorous underwriting standards Average premium: Motor insurance in Spain – Expense ratio: Spanish Motor business variation 2007-2014 (data rebased to 100) 105 21.0% 21.0% 20.6% 20.4% 20.4% 20.3% 20.0% 100 19.5% 19.5% 19.4% 19.3% 18.6% 18.6
Slide 16: Contents
Contents 1 Key highlights 2 Consolidated financial information 3 Financial supplement 4 Schedule and contacts 16
Slide 17: Consolidated income statement
2 Consolidated financial information Consolidated income statement (*) 9M 2014 9M 2015 U% NON-LIFE INSURANCE AND REINSURANCE Gross written and accepted premiums 12,523.8 13,780.4 10.0% Premiums earned, net of ceded and retroceded reinsurance 9,789.4 10,409.9 6.3% Net claims incurred and variation in
Slide 18: Development of Non-Life insurance results
2 Consolidated financial information Development of Non-Life insurance results Non-Life Account (*) 9M 2014 9M 2015 U% Gross written and accepted premiums 12,523.8 13,780.4 10.0% Underwriting result 412.1 134.7 -67.3% Net financial and other non-technical income 588.2 619.4 5.3% Result of Non-life b
Slide 19: Non-Life results: key highlights (premiums)
2 Consolidated financial information Development of Non-Life insurance results: key highlights The 10.0% increase in business volumes (+€1,257 million), compared to the first nine months of 2014, is a result of: Premiums • growth in NORTH AMERICA (+€524 million), as a result of the good developmen
Slide 20: Non-Life results: key highlights (quarter premiums)
2 Consolidated financial information Development of Non-Life insurance results: key highlights The 12.2% decrease in business volumes (-€574 million) in the third quarter of 2015, with respect to the second quarter, is explained by: Premiums • a decrease in LATAM NORTH (-€463 million), stemming fr
Slide 21: Non-Life results: key highlights (claims)
2 Consolidated financial information Development of Non-Life insurance results: key highlights Claims Year-on-year increase of 2.0 p.p. in the loss ratio, which reflects: 9 exceptional claims volume in Homeowner insurance in NORTH AMERICA due to the strong snowstorms in the United States. This add
Slide 22: Non-Life results: key highlights (expenses)
2 Consolidated financial information Development of Non-Life insurance results: key highlights Expenses Year-on-year increase of 0.9 p.p. in the expense ratio, mainly due to: 9 higher acquisition costs in Spain, Venezuela, Chile, Colombia, Brazil and Turkey Year-on-year the increase includes: Ne
Slide 23: Development of Life Assurance results
2 Consolidated financial information Development of Life Assurance results Life Account (*) 9M 2014 9M 2015 U% Gross written and accepted premiums 3,923.8 3,560.2 -9.3% Technical-financial result and other non-technical 431.4 488.7 13.3% income (1) Unrealised gains from unit-linked investments 76.6
Slide 24: Life Assurance results: key highlights (premiums)
2 Consolidated financial information Development of Life Assurance results: key highlights The 9.3% decrease in business volumes with respect to the first nine months of 2014, as a result of: 9 in IBERIA, a decline of €313 million that reflects: Premiums • the lower premium volume in Life-Savings
Slide 25: Life Assurance results: key highlights (result)
2 Consolidated financial information Development of Life Assurance results: key highlights The 4.7% improvement, compared to the same period of previous year, reflects: Result of the 9 rising interest rates and the improvement in the underwriting result in BRAZIL Life business 9 a decline in IBERI
Slide 26: Results from Other Business Activities
2 Consolidated financial information Development of results from Other Business Activities Other Business Activities(1) 9M 2014 9M 2015 U% Operating revenues 387.1 325.8 -15.8% Operating expenses -398.8 -378.2 -5.2% Net financial income & other -52.3 -39.1 -25.2% Results from Other Business Activiti
Slide 27: Other Business Activities: key highlights
2 Consolidated financial information Development of results from Other Business Activities Operating revenues and 15.8% decrease in operating revenues and 5.2% improvement in operating expenses, expenses coming mainly from: 9 MAPFRE ASISTENCIA, as a consequence of the replacement of services contr
Slide 28: Consolidated result
2 Consolidated financial information Consolidated result (*) 9M 2014 9M 2015 U% Result on restatement of financial accounts -57.9 -32.7 -43.5% Result before tax and minority interests 1,386.4 1,161.7 -16.2% Taxes -417.2 -372.2 -10.8% Result after tax 969.2 789.5 -18.5% Result after tax from disconti
Slide 29: Development of the consolidated result: key highlights
2 Consolidated financial information Development of the consolidated result: key highlights Decline in the underwriting result of the Non-Life business, mainly due to losses from the exceptionally strong snowstorms in the United States, as well as the pick up in the loss Pre-tax ratio in IBERIA re
Slide 30: Development of the balance sheet
2 Consolidated financial information Development of the balance sheet 30.9.14 31.12.14 30.6.15 30.9.15 Goodwill 1,994.2 2,030.5 2,036.6 1,992.3 Other intangible assets 1,973.3 2,046.3 1,897.5 1,667.9 Other fixed assets 317.0 303.8 301.2 287.2 Cash and cash equivalents 1,163.5 1,188.6 965.8 1,104.2 I
Slide 31: Development of equity
2 Consolidated financial information Development of equity 2015 2014 Non- Shareholders' Total Total controlling Equity Equity Equity interests BALANCE AS AT PRIOR YEAR END 9,152.7 2,316.7 11,469.4 9,893.7 Additions and deductions accounted for directly in equity Investments available for sale -543.1
Slide 32: Development of equity: key highlights
2 Consolidated financial information Development of equity: key highlights Investments available for Decrease in the market value of the financial investment portfolio - partially offset sale by shadow accounting - as a result of market turbulences in Europe in the second quarter, albeit improveme
Slide 33: Contents
Contents 1 Key highlights 2 Consolidated financial information 3 Financial supplement 4 Schedule and contacts 33
Slide 34: Written premiums by Regional Areas
3 Financial supplement Written premiums by Regional Areas Cumulative figures (*) Quarterly figures (*) U % o/ U % o/ REGIONAL AREA 9M 2014 9M 2015 U% REGIONAL AREA 3Q 2014 2Q 2015 3Q 2015 2Q 2015 3Q 2014 IBERIA 5,282.8 5,085.2 -3.7% IBERIA 1,254.3 1,520.7 1,379.2 -9.3% 10.0% BRAZIL 4,076.0 3,710.6 -
Slide 35: Attributable results by Regional Areas
3 Financial supplement Attributable results by Regional Areas Cumulative figures (*) Quarterly figures (*) REGIONAL AREA 9M 2014 9M 2015 U% U % o/ U % o/ REGIONAL AREA 3Q 2014 2Q 2015 3Q 2015 2Q 2015 3Q 2014 IBERIA 349.5 416.2 19.1% IBERIA 118.7 90.3 214.0 137.0% 80.3% BRAZIL 103.5 132.4 27.9% BRAZI
Slide 36: Information by Regional Areas and countries - IBERIA
3 Financial supplement Information by Regional Areas and countries - IBERIA Cumulative figures (*) (1) PREMIUMS RESULTS 9M 2014 9M 2015 U% 9M 2014 9M 2015 U% IBERIA 5,282.8 5,085.2 -3.7% 542.9 407.8 -24.9% SPAIN 5,133.7 4,931.9 -3.9% 543.0 409.3 -24.6% PORTUGAL 149.1 153.3 2.8% 0.0 -1.5 --- Quarterl
Slide 37: Regional Areas and countries - LATAM cumulative
3 Financial supplement Information by Regional Areas and countries - LATAM Cumulative figures (1) PREMIUMS RESULTS U % local U % local (2) (2) 9M 2014 9M 2015 U% currency 9M 2014 9M 2015 U% currency BRAZIL 4,076.0 3,710.6 -9.0% 4.4% 543.3 649.5 19.5% 37.5% LATAM SOUTH 2,095.2 1,822.5 -13.0% 117.4 75
Slide 38: Regional Areas and countries - LATAM quarterly
3 Financial supplement Information by Regional Areas and countries - LATAM Quarterly figures (1) PREMIUMS RESULTS U % o/ U % o/ U % o/ U % o/ 3Q 2014 2Q 2015 3Q 2015 2Q 2015 3Q 2014 3Q 2014 2Q 2015 3Q 2015 2Q 2015 3Q 2014 BRAZIL 1,370.5 1,320.3 1,198.3 -9.2% -12.6% 202.5 216.4 204.6 -5.5% 1.0% LATAM
Slide 39: Regional Areas and countries - International cumulative
3 Financial supplement Information by Regional Areas and countries - INTERNATIONAL Cumulative figures (1) PREMIUMS RESULTS U % local U % local (2) (2) 9M 2014 9M 2015 U% currency 9M 2014 9M 2015 U% currency NORTH AMERICA 1,573.4 2,103.1 33.7% 62.0 -72.4 --- of which: USA 1,342.7 1,806.0 34.5% 8.2% 5
Slide 40: Regional Areas and countries - International quarterly
3 Financial supplement Information by Regional Areas and countries - INTERNATIONAL Quarterly figures (1) PREMIUMS RESULTS U % o/ U % o/ U % o/ U % o/ 3Q 2014 2Q 2015 3Q 2015 2Q 2015 3Q 2014 3Q 2014 2Q 2015 3Q 2015 2Q 2015 3Q 2014 NORTH AMERICA 557.0 731.4 739.9 1.2% 32.8% 25.4 -24.5 20.7 --- -18.5%
Slide 41: MAPFRE RE
3 Financial supplement MAPFRE RE Cumulative figures (1) PREMIUMS RESULTS U% U% 9M 2014 9M 2015 9M 2014 9M 2015 MAPFRE RE 2,740.8 2,929.9 6.9% 140.2 150.4 7.3% Quarterly figures (1) PREMIUMS RESULTS U % o/ U % o/ U % o/ U % o/ 3Q 2014 2Q 2015 3Q 2015 2Q 2015 3Q 2014 3Q 2014 2Q 2015 3Q 2015 2Q 2015 3Q
Slide 42: Income Statement – Non-Life September 2015
3 Financial supplement Regional Areas and Business Units: Income Statement – Non-Life September 2015 LATAM LATAM NORTH CONSOLID. NON-LIFE INSURANCE AND REINSURANCE IBERIA NORTH SOUTH BRAZIL EMEA AMERICA APAC REINSURANCE ADJUST. TOTAL Gross written and accepted premiums 3,806.4 1,246.0 1,621.9 2,500.
Slide 43: Income Statement – Life September 2015
3 Financial supplement Regional Areas and Business Units: Income Statement – Life September 2015 LATAM LATAM NORTH CONSOLID. LIFE INSURANCE AND REINSURANCE IBERIA NORTH SOUTH BRAZIL EMEA AMERICA APAC REINSURANCE ADJUST. TOTAL Gross written and accepted premiums 1,278.9 251.0 200.6 1,210.1 155.2 8.6
Slide 44: Income Statement – Other business activities and net result
3 Financial supplement Regional Areas and Business Units: Income Statement – Other business activities and net result September 2015 HOLDING & LATAM LATAM NORTH CONSOL. IBERIA NORTH SOUTH BRAZIL EMEA AMERICA APAC REINSURANCE ADJUST. TOTAL Results from other business activities 46.8 -1.8 -0.8 7.7 -4.
Slide 45: Income Statement – Non-Life September 2014
3 Financial supplement Regional Areas and Business Units: Income Statement – Non-Life September 2014 (*) LATAM LATAM NORTH CONSOLID. NON-LIFE INSURANCE AND REINSURANCE IBERIA NORTH SOUTH BRAZIL EMEA AMERICA APAC REINSURANCE ADJUST. TOTAL Gross written and accepted premiums 3,691.4 745.3 1,790.3 2,73
Slide 46: Income Statement – Life September 2014
3 Financial supplement Regional Areas and Business Units: Income Statement – Life September 2014 (*) LATAM LATAM NORTH CONSOLID. LIFE INSURANCE AND REINSURANCE IBERIA NORTH SOUTH BRAZIL EMEA AMERICA APAC REINSURANCE ADJUST. TOTAL Gross written and accepted premiums 1,591.4 168.7 304.9 1,338.1 100.8
Slide 47: Income Statement – Other business activities and net result
3 Financial supplement Regional Areas and Business Units: Income Statement – Other business activities and net result September 2014 (*) HOLDING & LATAM LATAM NORTH CONSOL. IBERIA NORTH SOUTH BRAZIL EMEA AMERICA APAC REINSURANCE ADJUST. TOTAL Results from other business activities 43.1 -0.8 1.3 10.3
Slide 48: Operating companies: MAPFRE FAMILIAR
3 Financial supplement Operating companies: Key figures MAPFRE FAMILIAR (*) 9M 2014 9M 2015 U% Gross written and accepted premiums 2,912.3 2,975.4 2.2% Net premiums earned 2,523.4 2,550.7 1.1% Underwriting result 102.8 47.0 -54.3% Net financial income 130.6 114.7 -12.2% Other business activities 6.5
Slide 49: MAPFRE FAMILIAR – Domestic business by insurance lines
3 Financial supplement Operating companies: Key figures MAPFRE FAMILIAR – Domestic business by insurance lines (*) Motor 9M 2014 9M 2015 U% Health 9M 2014 9M 2015 U% Gross written and accepted premiums Gross written and accepted premiums 1,511.1 1,511.0 0.0% 426.2 457.4 7.3% Net premiums earned 1,37
Slide 50: MAPFRE FAMILIAR (contd.) and MAPFRE EMPRESAS
3 Financial supplement Operating companies: Key figures MAPFRE FAMILIAR (contd.) (*) MAPFRE EMPRESAS Other 9M 2014 9M 2015 U% 9M 2014 9M 2015 U% Gross written and accepted premiums 138.9 144.1 3.7% Gross written and accepted premiums 491.4 487.7 -0.8% Net premiums earned 124.2 120.9 -2.7% Net premiu
Slide 51: Operating companies: MAPFRE VIDA
3 Financial supplement Operating companies: Key figures MAPFRE VIDA (*) 9M 2014 9M 2015 U% Breakdown of premiums 9M 2014 9M 2015 U% Technical Reserves excluding Regular Premiums 335.1 432.6 29.1% shadow accounting 18,275.3 18,080.2 -1.1% - Agents' and other channels 172.2 238.5 38.5% Shadow accounti
Slide 52: MAPFRE VIDA managed savings
3 Financial supplement Operating companies: Key figures MAPFRE VIDA (*) Managed savings 9M 2014 9M 2015 U% Change in funds under management(1) 9M 2014 9M 2015 (2) Regular premiums insurance 5,418.9 5,857.9 8.1% IFRS technical reserves 2,183.5 -2,446.8 - Agents' channel and others 3,815.9 3,869.1 1.4
Slide 53: MAPFRE AMÉRICA
3 Financial supplement Operating companies: Key figures MAPFRE AMÉRICA MAPFRE AMÉRICA (by lines) 9M 2014 9M 2015 U% Non-Life 9M 2014 9M 2015 U % Gross written and accepted premiums 4,978.6 5,052.3 1.5% Gross written and accepted premiums 6,790.3 6,714.1 -1.1% Net premiums earned 3,347.0 3,096.8 -7.5
Slide 54: MAPFRE BRASIL
3 Financial supplement Operating companies: Key figures MAPFRE BRASIL MAPFRE BRASIL (by lines) 9M 2014 9M 2015 U% Non-Life 9M 2014 9M 2015 U% Gross written and accepted premiums 2,635.0 2,373.9 -9.9% Gross written and accepted premiums 3,973.1 3,584.0 -9.8% Net premiums earned 1,905.7 1,804.0 -5.3%
Slide 55: MAPFRE INTERNACIONAL
3 Financial supplement Operating companies: Key figures MAPFRE INTERNACIONAL MAPFRE INTERNACIONAL (by lines) 9M 2014 9M 2015 U% Non-Life 9M 2014 9M 2015 U % Gross written and accepted premiums 1,862.3 2,615.9 40.5% Gross written and accepted premiums 1,966.2 2,779.8 41.4% Net premiums earned 1,502.4
Slide 56: MAPFRE USA
3 Financial supplement Operating companies: Key figures MAPFRE USA 9M 2014 9M 2015 U % Gross written and accepted premiums 1,220.6 1,600.5 31.1% Net premiums earned 1,042.5 1,287.4 23.5% Underwriting result -40.3 -169.0 --- Net financial income 90.2 88.7 -1.7% Other business activities 0.0 0.0 --- O
Slide 57: MAPFRE RE
3 Financial supplement Operating companies: Key figures MAPFRE RE MAPFRE RE (by lines) 9M 2014 9M 2015 U% Non-Life 9M 2014 9M 2015 U% Gross written and accepted premiums 2,740.8 2,929.9 6.9% Gross written and accepted premiums 2,324.0 2,474.2 6.5% Net premiums earned 1,518.6 1,710.4 12.6% Net premiu
Slide 58: MAPFRE GLOBAL RISKS and MAPFRE ASISTENCIA
3 Financial supplement Operating companies: Key figures MAPFRE GLOBAL RISKS MAPFRE ASISTENCIA 9M 2014 9M 2015 U% 9M 2014 9M 2015 U% Gross written and accepted premiums 759.8 829.1 9.1% Operating income 856.0 942.6 10.1% - Global Risks 711.6 761.9 7.1% - Gross written and accepted premiums 723.0 852.
Slide 59: Net financial income: selected information
3 Financial supplement Net financial income: selected information Breakdown of net financial income (before taxes) (*) 9M 2014 9M 2015 U% Net financial income, Non-life 619.1 649.9 5.0% - of which realised capital gains and impairments 142.6 87.6 -38.6% - of which foreign exchange gains/(losses) 34.
Slide 60: Financial result: net realisation gains
3 Financial supplement Financial result: selected information Net realisation gains (*) 9M 2014 9M 2015 MAPFRE FAMILIAR 45.9 32.9 MAPFRE VIDA 31.2 14.1 MAPFRE EMPRESAS 19.1 10.4 MAPFRE AMÉRICA 0.0 1.4 MAPFRE GLOBAL RISKS 13.5 2.8 MAPFRE RE 18.5 23.4 MAPFRE ASISTENCIA 0.0 0.0 MAPFRE INTERNACIONAL 30.
Slide 61: Key management ratios – Companies
3 Financial supplement Development of Non-Life insurance Key management ratios – Companies (*) EXPENSE(1) LOSS(2) COMBINED(3) 9M 2014 9M 2015 9M 2014 9M 2015 9M 2014 9M 2015 MAPFRE FAMILIAR 20.6% 21.4% 74.8% 76.3% 95.4% 97.7% MAPFRE EMPRESAS 26.1% 25.7% 61.7% 67.1% 87.8% 92.8% MAPFRE AMÉRICA 33.1% 3
Slide 62: Key management ratios – Regional Areas and Business Units
3 Financial supplement Development of Non-Life insurance Key management ratios – Regional Areas and Business Units (*) EXPENSE(1) LOSS(2) COMBINED(3) 9M 2014 9M 2015 9M 2014 9M 2015 9M 2014 9M 2015 IBERIA 21.2% 22.2% 72.6% 74.7% 93.8% 96.9% LATAM NORTH 36.0% 35.2% 59.8% 61.1% 95.8% 96.3% LATAM SOUTH
Slide 63: Consolidated income statement – Impact of CatalunyaCaixa 9M 2014
3 Financial supplement Consolidated income statement – Impact of CatalunyaCaixa 9M 2014 U % vs. (*) Catalunya 9M 2014 9M 2014 9M 2015 9M 2014 Caixa Restated Restated NON-LIFE INSURANCE AND REINSURANCE Gross written and accepted premiums 12,552.9 29.2 12,523.8 13,780.4 10.0% Premiums earned, net of c
Slide 64: Contents
Contents 1 Key highlights 2 Consolidated financial information 3 Financial supplement 4 Schedule and contacts 64
Slide 65: Schedule
4 Schedule and contacts Schedule 14-Oct to 3-Nov Black-out period Release Third Quarter 2015 Results 4-Nov-2015 Madrid Conference Call – Third Quarter 2015 Results 5-Nov-2015 London Presentation to analysts – Third Quarter 2015 Results 65
Slide 66: Investor Relations Department
4 Schedule and contacts Investor Relations Department Capital Markets Director Natalia Núñez Arana +34-91-581-8664 Head of Investor Relations Antonio Triguero Sánchez Investor Relations +34-91-581-5211 Alberto Fernández-Sanguino Investor Relations +34-91-581-2255 Leandra Elizabeth Clark Investor Rel
Slide 67: Disclaimer
Disclaimer This document is purely informative. Its content does not constitute, nor can it be interpreted as, an offer or an invitation to sell, exchange or buy, and it is not binding on the issuer in any way. The information about the plans of the Company, its evolution, its results and its divide