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Improvements in the loss ratio (2012: 75.4%, 2011: 78.1%) and expense ratio (2012: 44.3%, 2011:50.8%) resulted in a drop of the combined ratio to 128.3% (2011: 136.6%). Nevertheless, this is still high compared with an industry average of 105%. Management intends to concentrate on group-related businesses to reduce the loss ratio. Fitch expects improvements in the combined ratio to be slow given its rapid business growth and intense price competition in the non-life business.
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It is not the first time that tension between ethnic Russians and migrants from the Caucasus has spilled over into violence. In 2010 police sealed off a square near the Kremlin amid rioting following the murder of another ethnic Russian.
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Neither the "Star Trek into Darkness" actress nor her Italian artist love has yet to confirm the reports. But Saldana was photographed at the Longchamp Store Opening in London on Saturday with her left hand conveniently stashed away in the pocket of her shorts. |
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