Loading profit
€ million20132012201120102009
Expense loading components included in contributions126.6125.4122.2123.0110.2
Components available to cover operating expenses arising from compensation decisions5.
Other income0.
Total loading income133.3131.5128.5129.0115.8
Operating expenses covered by loading income 1-101.3-110.3-93.2-93.7-93.1
Total operating expenses-101.3-110.3-93.2-93.7-93.1
Loading profit32.021.235.335.422.7
Operating expenses in relation to loading income, %7684737380
1 Excluding operating expenses related to investments and maintenance of working capacity and statutory charges.
Maintenance of working capacity expenses
31.12., milj. €20132012201120102009
Premiums written; the administrative cost component of the disability risk5.
Claims incurred; maintenance of working capacity expenses6.
Maintenance of working capacity expenses; The administrative cost component of the disability risk, %121.0121.9144.9120.196.0