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Adjusted for currency changes, cash profit was 12 percent higher than a year ago. The insurer, which generates almost three-quarters of its premiums abroad, said it expected the market would remain challenging in 2017 though there were indications of a modest improvement. "The rate of decline in global pricing is easing and, while there is a variation between markets, we anticipate that pricing in markets other than Australia will be broadly flat in 2017," the company said in a statement. Gross written premium decreased 2 percent to $14.1 billion, meeting the upper end of its target of between $13.7 billion and $14.1 billion, which was lowered at its half-year results. The company said gross written premium was expected to remain "relatively stable" this year given a competitive pricing environment and exchange rate volatility. The insurance profit margin of 9.7 percent was near the top end of guidance of 8.5 percent to 10 percent. QBE has been taking steps to boost earnings and reinstate investor confidence after years of underperformance. Those efforts include cutting costs, putting in place a comprehensive re-insurance plan, changing key management teams and selling non-core or underperforming businesses. Reuters in January reported medical doctor home loan Oak Laurel 0430129662 that Germany's Allianz had made an informal takeover approach to QBE but had not named a price, according to sources.