{
  "title": "Incurred less paid, incurred ratio and technical provisions by class",
  "note": "Incurred less paid is derived. The 2024 incurred ratio is derived from FCSC incurred claims over CBUAE Table 5A earned premium. The 2025 ratio is Table 14A. Provisions are Table 9A gross technical provisions at year end.",
  "rows": [
    {
      "class": "Fire",
      "inc-less-paid-2024": 6924.5,
      "inc-less-paid-2025": -3695.2,
      "inc-ratio-2024": 199.3,
      "inc-ratio-2025": 24.4,
      "tp-2024": 14012.9,
      "tp-2025": 10524.4
    },
    {
      "class": "Motor and transportation",
      "inc-less-paid-2024": 759.9,
      "inc-less-paid-2025": 216.8,
      "inc-ratio-2024": 105.9,
      "inc-ratio-2025": 72.1,
      "tp-2024": 7243.4,
      "tp-2025": 8541.4
    },
    {
      "class": "Engineering, construction and energy",
      "inc-less-paid-2024": 1200.5,
      "inc-less-paid-2025": -1124.5,
      "inc-ratio-2024": 75,
      "inc-ratio-2025": 11.7,
      "tp-2024": 7869.6,
      "tp-2025": 7025.8
    },
    {
      "class": "Marine and aviation",
      "inc-less-paid-2024": 35.5,
      "inc-less-paid-2025": -167.4,
      "inc-ratio-2024": 41.6,
      "inc-ratio-2025": 44.7,
      "tp-2024": 3144.3,
      "tp-2025": 2873
    },
    {
      "class": "Other",
      "inc-less-paid-2024": 209.3,
      "inc-less-paid-2025": 8.7,
      "inc-ratio-2024": 17.7,
      "inc-ratio-2025": 19.6,
      "tp-2024": 5277.4,
      "tp-2025": 6130.1
    }
  ]
}