5 Premiums, Policy Fees and Deposits Received


Written premiums
In CHF million  
  2014 HY 2013 HY
Direct
  8 359 7 845
Assumed
  182 140
Gross written premiums
  8 541 7 985
Ceded
  –90 –96
Net written premiums
  8 451 7 889


Earned premiums
In CHF million  
  2014 HY 2013 HY
Direct
  8 318 7 792
Assumed
  178 136
Gross earned premiums
  8 496 7 928
Ceded
  –90 –97
Net earned premiums
  8 406 7 832


Written policy fees
In CHF million  
  2014 HY 2013 HY
Direct
  156 163
Assumed
  0
Gross written policy fees
  156 163
Ceded
  0
Net written policy fees
  156 163


Earned policy fees
In CHF million  
  2014 HY 2013 HY
Direct
  147 153
Assumed
  0
Gross earned policy fees
  147 153
Ceded
  0
Net earned policy fees
  147 153


Under the accounting principles adopted, deposits received under insurance and investment contracts for which deposit accounting is used are not recognised as income:

In CHF million  
  2014 HY 2013 HY
Gross written premiums and policy fees
  8 697 8 148
Deposits received under insurance and investment contracts
  2 110 2 220
Gross written premiums, policy fees and deposits received
  10 807 10 368


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