RBSI has increased total income by 8% to £5,489m in 2005.
The company said it achieved 4% growth in UK motor policies in force.
Total home insurance policies declined by 1%.
RBSI also said NIG, the intermediary business acquired as part of Churchill, achieved a 10% growth in commercial policies sold to SMEs.
The company said net insurance claims on the same basis were up by 5%, reflecting increased volumes, claims inflation in motor and an increase in home claims following severe storms in the UK in January 2005.
It added that the combined ratio rose marginally to 93.6% (2004: 93.3%)
