Ordinary Rebalance | Solactive Osmosis Resource Efficient Core Equity Index | Effective Date 1st March 2024
In the ordinary rebalance, the following composition will be implemented effective open 01.03.2024:
| ABBOTT LABORATORIES | 
| ABBVIE INC | 
| ACCENTURE PLC-CL A | 
| ADIDAS AG | 
| ADOBE INC | 
| ADVANCED MICRO DEVICES | 
| ADVANTEST CORP ORD | 
| AEON CO LTD ORD | 
| AERCAP HOLDINGS NV | 
| AFLAC INC | 
| AGILENT TECHNOLOGIES INC | 
| AGNICO-EAGLE MINES | 
| AIA GROUP LTD | 
| AIB GROUP PLC | 
| AIR LIQUIDE SA | 
| AIRBNB INC | 
| AIRBUS SE | 
| AKAMAI TECHNOLOGIES INC | 
| AKER BP ASA | 
| AKZO NOBEL NV | 
| ALBERTSONS COMPANIES INC | 
| ALFA LAVAL AB | 
| ALLSTATE CORP | 
| ALNYLAM PHARMACEUTICALS INC | 
| ALPHABET INC C-SHARES | 
| ALPHABET INC-CL A | 
| AMADEUS IT GROUP SA CLASS A | 
| AMAZON.COM INC | 
| AMCOR PLC | 
| AMERICAN EXPRESS CO | 
| AMERICAN FINANCIAL GROUP INC | 
| AMERICAN INTERNATIONAL GROUP INC | 
| AMERICAN TOWER CORP | 
| AMERIPRISE FINL | 
| AMETEK INC | 
| AMGEN INC | 
| AMPHENOL CORP NEW CL A | 
| AMPOL LTD | 
| ANGLO AMERICAN PLC | 
| ANNALY CAPITAL MANAGEMENT INC | 
| ANTOFAGASTA PLC | 
| ANZ GROUP HOLDINGS LTD | 
| AON PLC | 
| APOLLO GLOBAL MANAGEMENT INC | 
| APPLE INC | 
| APPLIED MATERIALS INC | 
| APTIV PLC | 
| ARCH CAPITAL GROUP LTD | 
| ARISTA NETWORKS INC | 
| ARTHUR J GALLAGHER & CO | 
| ASAHI KASEI CORP | 
| ASM INTERNATIONAL NV | 
| ASML HOLDING NV | 
| ASSA ABLOY AB CLASS B | 
| ASTRAZENECA PLC | 
| ATLAS COPCO AB | 
| ATLAS COPCO AB CLASS A | 
| AUCKLAND INTL AIRPORT LTD | 
| AUTOMATIC DATA PROCESSING | 
| AUTOZONE INC | 
| AVALONBAY COMMUNITIES INC | 
| AVANTOR INC | 
| AVERY DENNISON CORP | 
| BAKER HUGHES CO | 
| BALL CORP | 
| BANCO BPM SPA | 
| BANK HAPOALIM BM ORD | 
| BANK LEUMI LE-ISRAEL ORD | 
| BANK OF AMERICA CORP | 
| BANK OF IRELAND GROUP PLC | 
| BANK OF MONTREAL | 
| BANK OF NEW YORK MELLON CORP | 
| BANK OF NOVA SCOTIA | 
| BANQUE CANTONALE VAUDOISE | 
| BARCLAYS PLC | 
| BARRATT DEVELOPMENTS PLC | 
| BARRY CALLEBAUT AG | 
| BATH & BODY WORKS INC | 
| BAYERISCHE MOTOREN WERKE AG | 
| BAYERISCHE MOTOREN WERKE BMW PFD | 
| BE SEMICONDUCTOR INDUSTRIES NV | 
| BEIERSDORF AG | 
| BERKELEY GROUP HOLDINGS PLC | 
| BERKSHIRE HATHAWAY INC-CL B | 
| BEST BUY CO INC | 
| BIOGEN INC | 
| BLACKROCK INC | 
| BLACKSTONE INC | 
| BLUESCOPE STEEL LTD | 
| BNP PARIBAS SA | 
| BOEING CO/THE | 
| BOLIDEN AB | 
| BOLLORE SE | 
| BOOKING HOLDINGS INC | 
| BOOZ ALLEN HAMILTON HOLDING CORP | 
| BORGWARNER INC | 
| BOSTON SCIENTIFIC CORP | 
| BP PLC | 
| BRAMBLES LTD | 
| BRISTOL-MYERS SQUIBB CO | 
| BROADCOM INC | 
| BROADRIDGE FINL SOLUTIONS I COM | 
| BROWN & BROWN INC | 
| BROWN-FORMAN CORP-CLASS B | 
| BUNGE LTD | 
| CAMECO CORP | 
| CANADIAN IMPERIAL BANK OF COMMERCE | 
| CANADIAN TIRE CORP-CLASS A | 
| CAPITAL ONE FINL. | 
| CAPITALAND INTEGRATED COMMERCIAL TRUST | 
| CAPITALAND INVESTMENT LTD | 
| CAPLAND ASCENDAS REIT | 
| CARDINAL HEALTH INC | 
| CARRIER GLOBAL CORP | 
| CARSALES COM LTD ORD | 
| CBRE GROUP INC | 
| CELLNEX TELECOM SA | 
| CENCORA INC | 
| CENTRICA PLC | 
| CGI INC – CLASS A | 
| CHARTER COMMUNICATIONS INC | 
| CHENIERE ENERGY INC | 
| CHESAPEAKE ENERGY CORP | 
| CHEVRON CORP | 
| CHUBB LTD | 
| CHUGAI PHARMACEUTICAL CO LTD ORD | 
| CINCINNATI FINANCIAL CORP | 
| CISCO SYSTEMS INC | 
| CITIGROUP INC | 
| CITIZENS FINANCIAL GROUP INC | 
| CITY DEVELOPMENTS LTD ORD | 
| CK ASSET HOLDINGS LTD | 
| CLOUDFLARE INC – CLASS A | 
| CME GROUP INC | 
| CMS ENERGY CORP | 
| COCA-COLA EUROPACIFIC PARTNERS PLC | 
| COCA-COLA HBC AG-DI | 
| COMCAST CORP-CLASS A | 
| COMMONWEALTH BANK OF AUSTRALIA | 
| COMPAGNIE FINANCIERE RICHEMONT SA | 
| COMPASS GROUP PLC | 
| CONAGRA BRANDS INC | 
| CONSOLIDATED EDISON INC | 
| COSTCO WHOLESALE CORP | 
| COTERRA ENERGY INC | 
| CRODA INTERNATIONAL PLC | 
| CROWN CASTLE INC | 
| CVS HEALTH CORP | 
| DAI-ICHI LIFE HOLDINGS INC | 
| DAIFUKU CO LTD | 
| DAIKIN INDUSTRIES LTD ORD | 
| DAIMLER TRUCK HOLDING AG | 
| DAIWA HOUSE INDUSTRY CO LTD ORD | 
| DANONE SA | 
| DASSAULT AVIATION SA | 
| DASSAULT SYSTEMES SA | 
| DAVIDE CAMPARI-MILANO NV | 
| DAYFORCE INC | 
| DECKERS OUTDOOR CORP | 
| DELL TECHNOLOGIES INC – C | 
| DELTA AIR LINES | 
| DENSO CORP ORD | 
| DEUTSCHE TELEKOM AG | 
| DEXCOM INC | 
| DHL GROUP | 
| DIAGEO PLC | 
| DICKS SPORTING GOODS INC | 
| DIGITAL REALTY TRUST INC | 
| DISCO CORP ORD | 
| DISCOVER FINANCIAL SERVICES | 
| DOLLAR TREE | 
| DOMINOS PIZZA INC | 
| DOVER CORP | 
| DSM FIRMENICH AG | 
| DSV AS | 
| EATON CORPORATION PLC | 
| EBAY INC | 
| ECOLAB INC | 
| EDENRED | 
| EDISON INTERNATIONAL | 
| EDP ENERGIAS DE PORTUGAL SA | 
| EDP RENOVAVEIS SA | 
| EDWARDS LIFESCIENCES CORP | 
| EIFFAGE SA | 
| ELEVANCE HEALTH INC | 
| ELI LILLY & CO | 
| ELISA OYJ CLASS A | 
| ENBRIDGE INC | 
| ENDEAVOUR GROUP | 
| ENEL SPA | 
| ENGIE SA | 
| ENTAIN PLC | 
| EON SE | 
| EPIROC AB-A | 
| EPIROC AB-B | 
| EQT CORP | 
| EQUINIX INC | 
| EQUINOR ASA | 
| EQUITY RESIDENTIAL | 
| ERSTE GROUP BANK AG | 
| ESSENTIAL UTILITIES INC | 
| ESSEX PROPERTY TRUST INC | 
| ESTEE LAUDER COMPANIES INC | 
| EVEREST GROUP LTD | 
| EVERSOURCE ENERGY | 
| EXACT SCIENCES CORP | 
| EXELON CORP | 
| EXPEDITORS INTL WASH INC | 
| EXPERIAN PLC | 
| FAIRFAX FINANCIAL HOLDINGS LIMITED | 
| FANUC CORP | 
| FAST RETAILING CO LTD ORD | 
| FASTENAL CO | 
| FEDEX CORP | 
| FERRARI NV | 
| FIDELITY NATIONAL FINANCIAL INC | 
| FIDELITY NATIONAL INFORMATION SERVICES INC | 
| FIFTH THIRD BANCORP | 
| FIRSTENERGY | 
| FISERV INC | 
| FMC CORP | 
| FORTESCUE METALS GROUP LTD | 
| FORTIS INC | 
| FORTUNE BRANDS INNOVATIONS INC | 
| FOX CORP CLASS B (NEW) | 
| FREEPORT-MCMORAN INC | 
| FRESENIUS MEDICAL CARE AG & CO KGAA | 
| GALP ENERGIA SGPS SA CLASS B | 
| GEA GROUP AKTIENGESELLSCHAFT | 
| GENERAL ELECTRIC CO | 
| GENERAL MILLS INC | 
| GENTING SINGAPORE PLC | 
| GENUINE PARTS CO | 
| GEORGE WESTON LTD | 
| GILEAD SCIENCES INC | 
| GIVAUDAN SA | 
| GLOBAL PAYMENTS INC | 
| GLOBE LIFE INC | 
| GODADDY INC | 
| GOLDMAN SACHS GROUP INC | 
| GSK PLC | 
| H&M HENNES & MAURITZ AB CLASS B | 
| HALEON PLC | 
| HALLIBURTON CO | 
| HALMA PLC | 
| HANG SENG BANK LTD ORD | 
| HARTFORD FINANCIAL SERVICES GROUP INC | 
| HASBRO INC | 
| HELVETIA HOLDING AG | 
| HENDERSON LAND DEVELOPMENT ORD | 
| HENKEL AG & CO KGAA BEARER SH | 
| HENKEL AG & CO KGAA PREF | 
| HENRY SCHEIN INC | 
| HERMES INTERNATIONAL SCA | 
| HERSHEY CO/THE | 
| HESS CORP | 
| HEWLETT PACKARD ENTERPRISE COMPANY | 
| HITACHI LTD | 
| HOLMEN AB | 
| HOLOGIC INC | 
| HOME DEPOT INC | 
| HORMEL FOODS CORP | 
| HOSHIZAKI CORP | 
| HP INC | 
| HSBC HOLDINGS PLC | 
| HUBSPOT INC | 
| HUMANA INC | 
| HUNTINGTON BANCSHARES INC/OH | 
| HYDRO ONE LTD | 
| IBERDROLA SA | 
| IDEX CORP | 
| IDEXX LABORATORIES INC | 
| ILLUMINA INC | 
| IMCD NV | 
| IMPERIAL OIL LTD | 
| INCYTE CORP | 
| INDUSTRIA DE DISENO TEXTIL SA | 
| INDUSTRIVARDEN AB CLASS A | 
| INPEX CORP | 
| INSULET CORP | 
| INTACT FINANCIAL CORP. | 
| INTERCONTINENTAL EXCHANGE INC | 
| INTESA SANPAOLO SPA | 
| INTUIT COM | 
| IPSEN SA | 
| ISRAEL DISCOUNT BANK LTD ORD A | 
| ITOCHU CORP ORD | 
| J SAINSBURY PLC | 
| JACOBS SOLUTIONS INC | 
| JAPAN POST HOLDINGS CO LTD | 
| JM SMUCKER CO/THE | 
| JOHNSON & JOHNSON | 
| JPMORGAN CHASE & CO | 
| JUNIPER NETWORKS INC | 
| KAJIMA CORP ORD | 
| KAWASAKI KISEN KAISHA LTD | 
| KDDI CORP (DDI) ORD | 
| KERING SA | 
| KESKO OYJ CLASS B | 
| KEURIG DR PEPPER INC | 
| KEYCORP | 
| KEYENCE CORP ORD | 
| KEYSIGHT TECHNOLOGIES INC | 
| KIKKOMAN CORP ORD | 
| KINDER MORGAN INC | 
| KINGSPAN GROUP PLC | 
| KLA CORP | 
| KOITO MANUFACTURING CO LTD ORD | 
| KONE OYJ CLASS B | 
| KONINKLIJKE PHILIPS NV | 
| KRAFT HEINZ CO/THE | 
| KUEHNE & NAGEL INTERNATIONAL AG | 
| KYOWA KIRIN CO LTD | 
| L OREAL SA | 
| L3HARRIS TECHNOLOGIES INC | 
| LA FRANCAISE DES JEUX SAEM | 
| LABORATORY CRP OF AMER HLDGS | 
| LASERTEC CORP | 
| LEAR CORP | 
| LEIDOS HOLDINGS INC | 
| LIBERTY MEDIA CORP – LIBERTY FORMULA ONE C | 
| LIBERTY MEDIA CORP – SIRIUSXM C | 
| LIFCO AB | 
| LINDE PLC | 
| LINK REIT | 
| LKQ CORP | 
| LM ERICSSON TELEFON AB CLASS B | 
| LOBLAW COMPANIES LTD. | 
| LOCKHEED MARTIN CORP | 
| LOEWS CORP | 
| LOGITECH INTERNATIONAL SA | 
| LOTTERY CORPORATION LTD | 
| LUNDIN MINING CORP | 
| LVMH MOET HENNESSY LOUIS VUITTON SE | 
| M & T BANK CORP | 
| MANULIFE FINANCIAL CORP | 
| MARATHON PETROLEUM CORP | 
| MARKEL GROUP INC | 
| MARSH & MCLENNAN COS | 
| MARTIN MARIETTA MATERIALS | 
| MARVELL TECHNOLOGY INC | 
| MASCO CORP | 
| MASTERCARD INC-CLASS A | 
| MCCORMICK & CO-NON VTG SHRS | 
| MCDONALDS CORP | 
| MCKESSON CORP | 
| MEDTRONIC PLC | 
| MERCADOLIBRE INC | 
| MERCEDES-BENZ GROUP AG | 
| MERCK & CO. INC. | 
| MERIDIAN ENERGY LTD | 
| META PLATFORMS INC | 
| METLIFE INC | 
| METTLER-TOLEDO INTL | 
| MGM RESORTS INTERNATIONAL | 
| MICROSOFT CORP | 
| MITSUBISHI CORP | 
| MITSUI & CO LTD | 
| MITSUI FUDOSAN CO LTD ORD | 
| MIZRAHI TEFAHOT BANK LTD ORD | 
| MONCLER SPA | 
| MONDELEZ INTERNATIONAL INC | 
| MONGODB INC | 
| MONOLITHIC POWER SYSTEMS INC | 
| MONSTER BEVERAGE CORP | 
| MOODYS CORP | 
| MOTOROLA SOLUTIONS INC | 
| MSCI INC | 
| MTR CORPORATION LTD | 
| NATIONAL AUSTRALIA BANK LTD | 
| NATIONAL BANK OF CANADA | 
| NATIONAL GRID PLC | 
| NESTE CORPORATION | 
| NESTLE SA | 
| NETAPP INC | 
| NETFLIX INC | 
| NEWS CORP/NEW-CL A-W/I | 
| NEXT PLC | 
| NIBE INDUSTRIER AB | 
| NINTENDO CO LTD | 
| NIPPON EXPRESS HOLDINGS CO | 
| NIPPON PAINT HOLDINGS CO LTD | 
| NIPPON SANSO HOLDINGS CORP | 
| NIPPON YUSEN KK | 
| NITTO DENKO CORP | 
| NOKIA OYJ | 
| NORSK HYDRO ASA | 
| NOVARTIS AG | 
| NOVO NORDISK A/S | 
| NTT DATA GROUP CO | 
| NUCOR CORP | 
| NUTRIEN LTD | 
| NVIDIA CORP | 
| O REILLY AUTOMOTIVE INC | 
| OBIC CO LTD ORD | 
| OKTA INC | 
| OLYMPUS | 
| OMRON CORP ORD | 
| OMV AG | 
| ONO PHARMACEUTICAL CO LTD ORD | 
| OPEN TEXT CORP | 
| ORACLE CORP | 
| ORICA LTD ORD | 
| ORIENTAL LAND CO LTD ORD | 
| ORSTED A/S | 
| OSAKA GAS CO LTD | 
| OTIS WORLDWIDE CORP | 
| OVERSEA-CHINESE BANKING CORP | 
| PALO ALTO NETWORKS INC | 
| PARKER HANNIFIN CORP | 
| PAYPAL HOLDINGS INC. | 
| PEARSON PLC | 
| PEPSICO INC | 
| PERNOD RICARD SA | 
| PFIZER INC | 
| PG&E CORP | 
| PHILLIPS 66 | 
| PILBARA MINERALS LTD | 
| PNC FINANCIAL SERVICES GROUP | 
| POOL CORP | 
| PPG INDUSTRIES INC | 
| PRINCIPAL FINANCIAL GROUP INC | 
| PROGRESSIVE CORP | 
| PROLOGIS INC | 
| PRUDENTIAL FINANCIAL INC | 
| PUMA SE | 
| QUALCOMM INC | 
| QUANTA SERVICES INC | 
| RAKUTEN GROUP INC | 
| RANDSTAD NV | 
| RATIONAL AG | 
| REALTY INCOME CORP | 
| RECKITT BENCKISER GROUP PLC | 
| RECRUIT HOLDINGS CO LTD | 
| RED ELECTRICA CORP SA | 
| REGENCY CENTERS CORP | 
| REGENERON PHARMACEUTICALS | 
| REGIONS FINANCIAL CORP | 
| RELX PLC | 
| REMY COINTREAU SA | 
| REPSOL SA | 
| RESMED INC | 
| REVVITY INC | 
| REXEL SA | 
| RIOCAN REAL ESTATE INVESTMENT TRUST | 
| ROBERT HALF INTL. | 
| ROCHE HOLDING AG | 
| ROCHE HOLDING AG ORD BRR | 
| ROCKWELL AUTOMATION INC | 
| ROGERS COMMUNICATIONS INC-B | 
| ROLLS-ROYCE HOLDING PLC | 
| ROSS STORES | 
| ROYAL BANK OF CANADA | 
| ROYAL CARIBBEAN CRUISES LTD | 
| ROYAL KPN NV | 
| RPM INTERNATIONAL INC | 
| S&P GLOBAL INC | 
| SAAB AB CLASS B | 
| SAGE GROUP PLC | 
| SALESFORCE INC | 
| SAP SE | 
| SBA COMMUNICATIONS CORP-CL A | 
| SBI HOLDINGS INC ORD | 
| SCHINDLER HOLDING AG | 
| SCHLUMBERGER LTD | 
| SCHNEIDER ELECTRIC SE | 
| SEGRO PLC | 
| SEKISUI HOUSE LTD ORD | 
| SERVICENOW INC | 
| SG HOLDINGS CO LTD | 
| SHELL PLC | 
| SHERWIN-WILLIAMS CO | 
| SHIMANO INC | 
| SHISEIDO CO LTD | 
| SHOPIFY INC | 
| SIEMENS AG | 
| SIEMENS ENERGY AG | 
| SIEMENS HEALTHINEERS AG | 
| SIG COMBIBLOC GROUP AG | 
| SIKA AG | 
| SIMON PROPERTY GROUP INC | 
| SINGAPORE AIRLINES LTD ORD | 
| SINO LAND CO LTD ORD | 
| SITC INTERNATIONAL HOLDINGS | 
| SMC CORP ORD | 
| SNAM SPA | 
| SNOWFLAKE INC | 
| SOCIETE GENERALE SA CLASS A | 
| SODEXO SA | 
| SOFTBANK CORP | 
| SOFTBANK GROUP CORP | 
| SONOVA HOLDING AG | 
| SONY GROUP CORP | 
| SOUTHERN COMPANY THE | 
| SSE PLC | 
| STANDARD CHARTERED PLC | 
| STANLEY BLACK & DECKER | 
| STANTEC INC | 
| STARBUCKS CORP | 
| STEEL DYNAMICS INC | 
| STELLANTIS NV | 
| STORA ENSO OYJ CLASS R | 
| STRAUMANN HOLDING AG | 
| STRYKER CORP | 
| SUMITOMO | 
| SUMITOMO METAL MINING CO LTD ORD | 
| SUMITOMO MITSUI FINANCIAL GR | 
| SUN HUNG KAI PROPERTIES | 
| SUN LIFE FINANCIAL INC | 
| SUNCORP GROUP LTD | 
| SVENSKA CELLULOSA AKTIEBOLAGET CLASS B | 
| SWEDISH ORPHAN BIOVITRUM AB | 
| SWIRE PACIFIC LTD ORD A | 
| SWIRE PROPERTIES LTD | 
| SWISS PRIME SITE AG | 
| SWISS RE AG | 
| SWISSCOM AG | 
| SYMRISE AG | 
| SYSCO CORP | 
| SYSMEX CORP ORD | 
| T-MOBILE US INC | 
| TAYLOR WIMPEY PLC | 
| TE CONNECTIVITY LTD | 
| TELE2 AB | 
| TENARIS SA | 
| TERADYNE INC | 
| TERNA SPA | 
| TESCO PLC | 
| TESLA INC | 
| THALES SA | 
| THE CIGNA GROUP | 
| THERMO FISHER SCIENTIFIC INC | 
| TJX COMPANIES INC | 
| TOAST INC-CLASS A | 
| TOHO CO LTD ORD | 
| TOKYO ELECTRON LTD ORD | 
| TOKYO GAS CO LTD | 
| TORONTO-DOMINION BANK | 
| TOTALENERGIES SE | 
| TOYOTA MOTOR CORP | 
| TOYOTA TSUSHO CORP ORD | 
| TRANSDIGM GROUP INC | 
| TRANSUNION | 
| TRANSURBAN GROUP | 
| TRAVELERS COS INC/THE | 
| TRUIST FINANCIAL CORP | 
| TWILIO INC | 
| U-HAUL HOLDING CO NON-VOTING | 
| UBER TECHNOLOGIES INC | 
| UBS GROUP AG | 
| UCB SA | 
| UMICORE | 
| UNICREDIT SPA | 
| UNILEVER PLC | 
| UNITED PARCEL SERVICE-CL B | 
| UNITED RENTALS INC | 
| UNITED UTILITIES PLC | 
| UNITEDHEALTH GROUP INC | 
| UNIVERSAL MUSIC GROUP NV | 
| UPM-KYMMENE OYJ | 
| US BANCORP | 
| VAIL RESORTS INC | 
| VALERO ENERGY | 
| VAT GROUP AG | 
| VENTAS INC | 
| VERALTO CORP | 
| VERISIGN INC | 
| VERIZON COMMUNICATIONS INC | 
| VERTEX PHARMACEUTICALS INC | 
| VESTAS WIND SYSTEMS A/S | 
| VICI PROPERTIES INC | 
| VISA INC-CLASS A SHARES | 
| VODAFONE GROUP PLC | 
| VOLKSWAGEN AG PREF | 
| VOLVO CAR AB-B W/I | 
| WALGREENS BOOTS ALLIANCE INC | 
| WALMART INC | 
| WARNER BROS DISCOVERY INC | 
| WARTSILA OYJ ABP | 
| WATERS CORP | 
| WELLS FARGO & CO | 
| WELLTOWER INC | 
| WESTPAC BANKING CORPORATION | 
| WHARF HOLDINGS LTD ORD | 
| WHITBREAD PLC | 
| WILLIAMS-SONOMA INC | 
| WILLIS TOWERS WATSON PLC | 
| WIX.COM LTD | 
| WOLTERS KLUWER NV | 
| WOODSIDE ENERGY GROUP LTD | 
| WORKDAY INC | 
| WP CAREY & CO LLC | 
| WPP PLC | 
| WR BERKLEY CORP | 
| WSP GLOBAL INC | 
| WYNN RESORTS LTD | 
| XYLEM INC | 
| YASKAWA ELECTRIC CORP ORD | 
| ZALANDO SE | 
| ZILLOW GROUP INC – C CLASS | 
| ZOZO INC | 
| ZURICH INSURANCE GROUP AG |