1.   New Zealand produced an outstanding performance and an excellent underwriting profit for the full year.

2.   Its South African units moved to an underwriting profit from a loss.

3.   South African units moved to an underwriting profit from a loss.

4.   That hurt underwriting profits as companies, faced with falling stocks, put off raising money in the equity markets.

5.   The U.K. and U.S. both swung to an underwriting profit in general insurance.

6.   The underwriting profit from personal lines fell as car insurance profits were more than cut in half.

7.   The group said it also expects an underwriting profit for the first time in seven years.