展品99.2
财政补助金
2021年第三季度
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汉诺威保险集团 |
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财政补助金 |
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目录 |
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业务Descriptions. |
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金融Highlights. |
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合并财务报表 |
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收入Statements. |
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平衡Sheets. |
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GAAP承保业绩 |
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Consolidated. |
5-7 |
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商用Lines. |
8-10 |
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Personal Lines. |
11-13 |
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投资 |
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净投资收益和Yields.... |
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投资Portfolio. |
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固定Maturities...的信用质量和期限 |
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前25名企业及市政固定到期日控股... |
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营业收入与净Income...的对账 |
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其他信息 |
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非公认会计准则财务Measures.... |
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企业Information. |
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市场和股息Information.... |
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财务实力和债务Ratings.... |
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汉诺威保险集团 |
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陈述的基础 |
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业务描述 |
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商业线路 |
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商业多重保险承保企业因其营业场所内发生的事故或经营过程中发生的事故(如销售的产品造成的伤害)而承担的第三方一般责任。它还为商业财产提供保险,如火灾、风、冰雹、水损害(可能包括洪水)、盗窃和破坏造成的损害。 |
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商业汽车保险承保企业因人身伤害、第三人身体伤害、被保险人车辆的财产损失以及其他车辆和财产的财产损失而遭受的损失。商用汽车保单通常与其他商业保单一起撰写。 |
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工人补偿覆盖范围为雇主提供保险,使其免受因工伤而导致的雇员医疗和赔偿索赔。工人补偿政策通常是与其他商业政策一起制定的。 |
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其他商业航空公司由管理和专业责任组成,主要包括专业、管理和医疗责任,为可能因业绩而被起诉的公司的董事、高级管理人员和其他员工提供保护,为公司和个人提供免于疏忽或不诚信的错误和遗漏保护,以及为雇佣行为责任提供保护;海运,包括内陆和海洋,为企业提供财产实物损失保险;汉诺威计划,包括覆盖与类似企业集团相关的有特殊保险或风险管理需求的市场;其中包括:专有工业和商业财产,为中小型化工、油漆、溶剂和其他制造和分销公司提供保险;单一险种,一般责任,包括因销售的产品、房舍内发生的事故或业务而造成的人身伤害、财产损失和人身伤害;担保人,在发生违约或不付款索赔时,为企业提供合同保证;以及商业保证,为企业提供与受托义务或监管义务相关的商业保证,以及包括雨伞、保真度和犯罪在内的其他商业品种。 |
个人专线 |
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个人汽车保险承保个人因人身伤害、第三人身体伤害、被保险人车辆的财产损失以及其他车辆和其他财产的财产损失。 |
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房主保险为个人的住宅和个人财产损失提供保险,如火灾、风、冰雹、水损害(不包括洪水)、盗窃和破坏,以及第三方责任索赔。 |
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其他个人保险包括个人雨伞、内陆海运(珠宝、艺术品等)、消防、私人船艇和其他各种保险。 |
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其他 |
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其他公司包括Opus,该公司为附属公司提供投资咨询服务,并为保险公司、退休计划和基金会等独立机构管理资产;控股公司资产的收益;控股公司和其他费用,以及已停产的自愿财产和伤亡池业务。 |
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汉诺威保险集团 |
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财务亮点 |
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Q3 |
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Q4 |
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Q1 |
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Q2 |
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Q3 |
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9月-年初 |
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9月-年初 |
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(单位:百万,不包括每股收益) |
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2020 |
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2020 |
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2021 |
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2021 |
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2021 |
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2020 |
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2021 |
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保费 |
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书面毛保费 |
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$ |
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1,406.1 |
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$ |
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1,235.5 |
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1,337.6 |
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1,342.8 |
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$ |
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1,493.2 |
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3,919.0 |
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$ |
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4,173.6 |
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承保的净保费 |
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1,268.5 |
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1,112.1 |
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1,196.1 |
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1,207.2 |
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1,375.2 |
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3,486.4 |
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3,778.5 |
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净保费收入 |
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1,135.4 |
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1,154.0 |
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1,161.8 |
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1,179.8 |
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1,186.0 |
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3,373.4 |
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3,527.6 |
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收益 |
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息税前营业收入 |
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$ |
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128.4 |
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$ |
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150.3 |
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$ |
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85.1 |
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$ |
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137.3 |
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$ |
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47.0 |
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334.4 |
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$ |
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269.4 |
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税后营业收入 |
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93.5 |
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112.0 |
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61.4 |
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104.0 |
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30.8 |
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243.0 |
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196.2 |
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持续经营收入 |
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119.5 |
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165.9 |
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92.8 |
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129.6 |
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34.8 |
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196.1 |
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257.2 |
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净收入 |
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118.9 |
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164.6 |
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92.7 |
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128.5 |
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34.0 |
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194.1 |
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255.2 |
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每股数据(稀释) |
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税后营业收入 |
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$ |
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2.46 |
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$ |
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3.02 |
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$ |
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1.66 |
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$ |
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2.85 |
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$ |
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0.85 |
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6.33 |
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$ |
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5.37 |
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持续经营收入 |
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3.14 |
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4.47 |
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2.52 |
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3.55 |
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0.96 |
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5.11 |
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7.04 |
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净收入 |
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3.13 |
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4.43 |
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2.51 |
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3.52 |
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0.94 |
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5.05 |
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6.98 |
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稀释加权平均流通股 |
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38.0 |
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37.1 |
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36.9 |
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36.5 |
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36.3 |
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38.4 |
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36.6 |
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基本加权平均流通股 |
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37.7 |
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36.7 |
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36.4 |
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35.9 |
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35.7 |
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38.0 |
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36.0 |
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资产负债表 |
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九月三十日 |
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12月31日 |
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3月31日 |
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6月30日 |
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九月三十日 |
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(单位为百万,每股数据除外) |
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2020 |
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2020 |
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2021 |
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2021 |
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2021 |
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总资产 |
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$ |
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13,393.8 |
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$ |
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13,443.7 |
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$ |
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13,448.0 |
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$ |
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13,728.1 |
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$ |
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14,105.3 |
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总亏损和亏损调整费用准备金 |
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5,945.7 |
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6,024.0 |
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6,223.7 |
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6,343.4 |
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6,540.1 |
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股东权益总额 |
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3,155.0 |
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3,202.2 |
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3,046.8 |
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3,154.0 |
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3,102.3 |
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股东权益总额,不包括未实现净增值 |
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(折旧)固定期限投资,税后净额 |
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2,742.7 |
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2,774.1 |
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2,804.2 |
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2,849.3 |
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2,845.5 |
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财产和意外伤害公司 |
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法定盈余 |
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$ |
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2,422.3 |
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$ |
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2,588.5 |
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$ |
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2,667.7 |
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$ |
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2,547.1 |
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$ |
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2,548.4 |
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溢价与盈馀比率 |
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1.90:1 |
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1.78:1 |
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1.75:1 |
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1.88:1 |
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1.92:1 |
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每股账面价值 |
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$ |
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84.32 |
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$ |
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87.96 |
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$ |
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84.21 |
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$ |
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88.23 |
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$ |
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87.04 |
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每股账面价值,不包括未实现净增值 |
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(折旧)固定期限投资,税后净额 |
|
$ |
|
73.30 |
|
|
$ |
|
76.20 |
|
|
$ |
|
77.50 |
|
|
$ |
|
79.71 |
|
|
|
|
$ |
|
79.84 |
|
|
|
|
|
|
|
|
|
|
每股有形账面价值(不包括商誉的账面总价值 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
和无形资产) |
|
$ |
|
79.03 |
|
|
$ |
|
82.55 |
|
|
$ |
|
78.78 |
|
|
$ |
|
82.76 |
|
|
|
|
$ |
|
81.54 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
流通股 |
|
|
|
37.4 |
|
|
|
|
36.4 |
|
|
|
|
36.2 |
|
|
|
|
35.8 |
|
|
|
|
|
|
35.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
债务/股本总额 |
|
|
|
24.7 |
% |
|
|
|
24.4 |
% |
|
|
|
25.6 |
% |
|
|
|
24.8 |
% |
|
|
|
|
|
25.2 |
% |
|
|
|
|
|
|
|
|
|
总债务/总资本 |
|
|
|
19.8 |
% |
|
|
|
19.6 |
% |
|
|
|
20.4 |
% |
|
|
|
19.9 |
% |
|
|
|
|
|
20.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2
汉诺威保险集团 |
|
|||||||||||||||||||||||||||
合并损益表 |
|
|||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至9月30日的三个月 |
|
|
截至9月30日的9个月 |
|
||||||||||||||||||||||
(单位:百万) |
|
|
2021 |
|
|
|
2020 |
|
|
%变化 |
|
|
|
2021 |
|
|
|
2020 |
|
|
%变化 |
|
||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
赚取的保费 |
|
$ |
|
1,186.0 |
|
|
$ |
|
1,135.4 |
|
|
|
4.5 |
|
|
$ |
|
3,527.6 |
|
|
$ |
|
3,373.4 |
|
|
|
4.6 |
|
净投资收益 |
|
|
|
78.8 |
|
|
|
|
67.6 |
|
|
|
16.6 |
|
|
|
|
231.2 |
|
|
|
|
194.9 |
|
|
|
18.6 |
|
已实现和未实现投资净收益(亏损): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
销售和其他业务的净已实现收益 |
|
|
|
3.6 |
|
|
|
|
8.2 |
|
|
N/M |
|
|
|
|
6.8 |
|
|
|
|
12.1 |
|
|
|
(43.8 |
) |
|
权益证券公允价值净变动 |
|
|
|
0.3 |
|
|
|
|
30.3 |
|
|
|
(99.0 |
) |
|
|
|
65.9 |
|
|
|
|
(44.4 |
) |
|
N/M |
|
|
投资减值回收(损失) |
|
|
|
0.1 |
|
|
|
|
(0.8 |
) |
|
N/M |
|
|
|
|
(0.1 |
) |
|
|
|
(27.9 |
) |
|
N/M |
|
||
已实现和未实现投资净收益(亏损)合计 |
|
|
|
4.0 |
|
|
|
|
37.7 |
|
|
|
(89.3 |
) |
|
|
|
72.6 |
|
|
|
|
(60.2 |
) |
|
N/M |
|
|
费用及其他收入 |
|
|
|
7.6 |
|
|
|
|
9.1 |
|
|
|
(16.5 |
) |
|
|
|
21.7 |
|
|
|
|
22.2 |
|
|
|
(2.3 |
) |
总收入 |
|
|
|
1,276.4 |
|
|
|
|
1,249.8 |
|
|
|
2.1 |
|
|
|
|
3,853.1 |
|
|
|
|
3,530.3 |
|
|
|
9.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损失和费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和亏损调整费用 |
|
|
|
844.0 |
|
|
|
|
709.7 |
|
|
|
18.9 |
|
|
|
|
2,370.4 |
|
|
|
|
2,149.9 |
|
|
|
10.3 |
|
递延收购成本摊销 |
|
|
|
244.0 |
|
|
|
|
237.7 |
|
|
|
2.7 |
|
|
|
|
728.5 |
|
|
|
|
711.9 |
|
|
|
2.3 |
|
利息支出 |
|
|
|
8.5 |
|
|
|
|
9.8 |
|
|
|
(13.3 |
) |
|
|
|
25.5 |
|
|
|
|
28.6 |
|
|
|
(10.8 |
) |
偿债损失 |
|
|
|
- |
|
|
|
|
6.1 |
|
|
N/M |
|
|
|
|
- |
|
|
|
|
6.2 |
|
|
N/M |
|
||
其他运营费用 |
|
|
|
137.4 |
|
|
|
|
137.9 |
|
|
|
(0.4 |
) |
|
|
|
412.2 |
|
|
|
|
395.9 |
|
|
|
4.1 |
|
总损失和费用 |
|
|
|
1,233.9 |
|
|
|
|
1,101.2 |
|
|
|
12.1 |
|
|
|
|
3,536.6 |
|
|
|
|
3,292.5 |
|
|
|
7.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前持续经营所得 |
|
|
|
42.5 |
|
|
|
|
148.6 |
|
|
|
(71.4 |
) |
|
|
|
316.5 |
|
|
|
|
237.8 |
|
|
N/M |
|
|
所得税费用 |
|
|
|
7.7 |
|
|
|
|
29.1 |
|
|
|
(73.5 |
) |
|
|
|
59.3 |
|
|
|
|
41.7 |
|
|
N/M |
|
|
|
|
|
\ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
持续经营收入 |
|
|
|
34.8 |
|
|
|
|
119.5 |
|
|
|
(70.9 |
) |
|
|
|
257.2 |
|
|
|
|
196.1 |
|
|
N/M |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
停产业务(税后净额): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
停产寿险业务的亏损 |
|
|
|
(0.8 |
) |
|
|
|
(0.6 |
) |
|
|
33.3 |
|
|
|
|
(2.0 |
) |
|
|
|
(2.0 |
) |
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净收入 |
|
$ |
|
34.0 |
|
|
$ |
|
118.9 |
|
|
|
(71.4 |
) |
|
$ |
|
255.2 |
|
|
$ |
|
194.1 |
|
|
N/M |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3
汉诺威保险集团 |
|
|||||||||||||
综合资产负债表 |
|
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
九月三十日 |
|
|
|
12月31日 |
|
|
|
|
|
||
(单位为百万,每股数据除外) |
|
|
2021 |
|
|
|
2020 |
|
|
%变化 |
|
|||
资产 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
投资: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定到期日,按公允价值计算(摊销成本分别为7400.4美元和6945.6美元) |
|
$ |
|
7,699.2 |
|
|
$ |
|
7,454.4 |
|
|
|
3.3 |
|
股权证券,按公允价值计算 |
|
|
|
615.5 |
|
|
|
|
598.5 |
|
|
|
2.8 |
|
其他投资 |
|
|
|
788.3 |
|
|
|
|
793.2 |
|
|
|
(0.6 |
) |
总投资 |
|
|
|
9,103.0 |
|
|
|
|
8,846.1 |
|
|
|
2.9 |
|
现金和现金等价物 |
|
|
|
171.2 |
|
|
|
|
120.6 |
|
|
|
42.0 |
|
应计投资收益 |
|
|
|
48.2 |
|
|
|
|
51.2 |
|
|
|
(5.9 |
) |
保费和应收账款净额 |
|
|
|
1,503.0 |
|
|
|
|
1,339.3 |
|
|
|
12.2 |
|
对已支付和未支付的损失以及未到期保费可追讨的再保险 |
|
|
|
2,002.8 |
|
|
|
|
1,874.3 |
|
|
|
6.9 |
|
递延收购成本 |
|
|
|
544.6 |
|
|
|
|
477.5 |
|
|
|
14.1 |
|
商誉 |
|
|
|
178.8 |
|
|
|
|
178.8 |
|
|
- |
|
|
其他资产 |
|
|
|
446.3 |
|
|
|
|
445.7 |
|
|
|
0.1 |
|
已停业业务的资产 |
|
|
|
107.4 |
|
|
|
|
110.2 |
|
|
|
(2.5 |
) |
总资产 |
|
$ |
|
14,105.3 |
|
|
$ |
|
13,443.7 |
|
|
|
4.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
负债和股东权益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
负债 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和亏损调整费用准备金 |
|
$ |
|
6,540.1 |
|
|
$ |
|
6,024.0 |
|
|
|
8.6 |
|
未赚取的保费 |
|
|
|
2,742.0 |
|
|
|
|
2,482.7 |
|
|
|
10.4 |
|
应付费用和税款 |
|
|
|
679.8 |
|
|
|
|
687.5 |
|
|
|
(1.1 |
) |
递延所得税负债 |
|
|
|
69.6 |
|
|
|
|
97.3 |
|
|
|
(28.5 |
) |
应付再保险费 |
|
|
|
68.1 |
|
|
|
|
48.4 |
|
|
|
40.7 |
|
债务 |
|
|
|
781.4 |
|
|
|
|
780.8 |
|
|
|
0.1 |
|
停业业务的负债 |
|
|
|
122.0 |
|
|
|
|
120.8 |
|
|
|
1.0 |
|
总负债 |
|
|
|
11,003.0 |
|
|
|
|
10,241.5 |
|
|
|
7.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
股东权益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
优先股,每股面值0.01美元; |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
授权发行2000万股;未发行 |
|
|
|
- |
|
|
|
|
- |
|
|
- |
|
|
普通股,每股面值0.01美元;3.00亿股 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
授权;已发行6050万股 |
|
|
|
0.6 |
|
|
|
|
0.6 |
|
|
- |
|
|
额外实收资本 |
|
|
|
1,880.7 |
|
|
|
|
1,857.4 |
|
|
|
1.3 |
|
累计其他综合收益 |
|
|
|
203.2 |
|
|
|
|
372.5 |
|
|
|
(45.4 |
) |
留存收益 |
|
|
|
2,846.7 |
|
|
|
|
2,668.0 |
|
|
|
6.7 |
|
按成本计算的库存股(2,490万股和2,410万股) |
|
|
|
(1,828.9 |
) |
|
|
|
(1,696.3 |
) |
|
|
7.8 |
|
股东权益总额 |
|
|
|
3,102.3 |
|
|
|
|
3,202.2 |
|
|
|
(3.1 |
) |
总负债和股东权益 |
|
$ |
|
14,105.3 |
|
|
$ |
|
13,443.7 |
|
|
|
4.9 |
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4
汉诺威保险集团 |
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GAAP承保和营业收入信息及比率 |
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整合 |
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截至9月30日的三个月 |
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2021 |
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2020 |
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商业广告 |
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个人 |
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商业广告 |
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个人 |
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(单位:百万,百分比数据除外) |
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线条 |
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线条 |
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其他 |
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总计 |
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线条 |
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线条 |
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其他 |
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总计 |
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书面毛保费 |
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$ |
|
928.3 |
|
|
$ |
|
564.9 |
|
|
|
$ |
|
- |
|
|
$ |
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1,493.2 |
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$ |
|
884.7 |
|
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$ |
|
521.4 |
|
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$ |
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- |
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$ |
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1,406.1 |
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承保的净保费 |
|
$ |
|
826.8 |
|
|
$ |
|
548.4 |
|
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$ |
|
- |
|
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$ |
|
1,375.2 |
|
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$ |
|
760.5 |
|
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$ |
|
508.0 |
|
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$ |
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- |
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$ |
|
1,268.5 |
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净保费收入 |
|
$ |
|
698.6 |
|
|
$ |
|
487.4 |
|
|
|
$ |
|
- |
|
|
$ |
|
1,186.0 |
|
|
$ |
|
665.1 |
|
|
$ |
|
470.3 |
|
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|
$ |
|
- |
|
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|
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$ |
|
1,135.4 |
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亏损和LAE: |
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当前事故年,不包括巨灾损失 |
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|
|
407.5 |
|
|
|
|
303.9 |
|
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- |
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711.4 |
|
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385.1 |
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260.6 |
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- |
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645.7 |
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上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
|
(11.4 |
) |
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|
|
(9.9 |
) |
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0.4 |
|
|
|
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(20.9 |
) |
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(3.9 |
) |
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1.0 |
|
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0.3 |
|
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(2.6 |
) |
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当前事故年巨灾损失 |
|
|
|
74.8 |
|
|
|
|
78.7 |
|
|
|
|
|
- |
|
|
|
|
153.5 |
|
|
|
|
42.5 |
|
|
|
|
33.0 |
|
|
|
|
|
- |
|
|
|
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|
75.5 |
|
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前一事故年有利巨灾损失发展 |
|
|
|
- |
|
|
|
|
- |
|
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
(8.9 |
) |
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|
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(0.7 |
) |
|
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|
- |
|
|
|
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|
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(9.6 |
) |
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|
总亏损和LAE |
|
|
|
470.9 |
|
|
|
|
372.7 |
|
|
|
|
|
0.4 |
|
|
|
|
844.0 |
|
|
|
|
414.8 |
|
|
|
|
293.9 |
|
|
|
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|
0.3 |
|
|
|
|
|
|
709.0 |
|
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|
摊销递延收购成本和其他承销费用 |
|
|
|
237.9 |
|
|
|
|
135.0 |
|
|
|
|
|
- |
|
|
|
|
372.9 |
|
|
|
|
231.6 |
|
|
|
|
133.4 |
|
|
|
|
|
- |
|
|
|
|
|
|
365.0 |
|
|
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|
|
|
|
|
- |
|
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|
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|
公认会计准则承保利润(亏损) |
|
|
|
(10.2 |
) |
|
|
|
(20.3 |
) |
|
|
|
|
(0.4 |
) |
|
|
|
(30.9 |
) |
|
|
|
18.7 |
|
|
|
|
43.0 |
|
|
|
|
|
(0.3 |
) |
|
|
|
|
|
61.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
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|
|
净投资收益 |
|
|
|
52.9 |
|
|
|
|
22.6 |
|
|
|
|
|
3.3 |
|
|
|
|
78.8 |
|
|
|
|
44.4 |
|
|
|
|
19.5 |
|
|
|
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|
3.7 |
|
|
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|
|
67.6 |
|
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|
其他收入 |
|
|
|
4.0 |
|
|
|
|
2.6 |
|
|
|
|
|
1.0 |
|
|
|
|
7.6 |
|
|
|
|
3.8 |
|
|
|
|
3.5 |
|
|
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|
1.8 |
|
|
|
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|
9.1 |
|
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|
其他运营费用 |
|
|
|
(4.3 |
) |
|
|
|
(1.3 |
) |
|
|
|
|
(2.9 |
) |
|
|
|
(8.5 |
) |
|
|
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(4.6 |
) |
|
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|
(1.8 |
) |
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(3.3 |
) |
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(9.7 |
) |
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|
所得税前营业收入 |
|
$ |
|
42.4 |
|
|
$ |
|
3.6 |
|
|
|
$ |
|
1.0 |
|
|
$ |
|
47.0 |
|
|
$ |
|
62.3 |
|
|
$ |
|
64.2 |
|
|
|
$ |
|
1.9 |
|
|
|
|
$ |
|
128.4 |
|
|
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|
损耗和LAE比率: |
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|
当前事故年,不包括巨灾损失 |
|
|
|
58.3 |
% |
|
|
|
62.4 |
% |
|
|
|
N/M |
|
|
|
|
60.1 |
% |
|
|
|
57.9 |
% |
|
|
|
55.4 |
% |
|
|
|
N/M |
|
|
|
|
|
|
56.8 |
% |
||
|
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|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
(1.6 |
)% |
|
|
|
(2.0 |
)% |
|
|
|
N/M |
|
|
|
|
(1.8 |
)% |
|
|
|
(0.6 |
)% |
|
|
|
0.2 |
% |
|
|
|
N/M |
|
|
|
|
|
|
(0.2 |
)% |
||
|
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|
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|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
10.7 |
% |
|
|
|
16.1 |
% |
|
|
|
N/M |
|
|
|
|
12.9 |
% |
|
|
|
6.4 |
% |
|
|
|
7.0 |
% |
|
|
|
N/M |
|
|
|
|
|
|
6.6 |
% |
||
|
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|
前一事故年有利巨灾损失发展 |
|
|
N/M |
|
|
|
N/M |
|
|
|
|
N/M |
|
|
|
N/M |
|
|
|
|
(1.3 |
)% |
|
|
|
(0.1 |
)% |
|
|
|
N/M |
|
|
|
|
|
|
(0.8 |
)% |
|||||
总损耗和LAE比率 |
|
|
|
67.4 |
% |
|
|
|
76.5 |
% |
|
|
|
N/M |
|
|
|
|
71.2 |
% |
|
|
|
62.4 |
% |
|
|
|
62.5 |
% |
|
|
|
N/M |
|
|
|
|
|
|
62.4 |
% |
||
|
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|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
33.8 |
% |
|
|
|
27.3 |
% |
|
|
|
N/M |
|
|
|
|
31.1 |
% |
|
|
|
34.5 |
% |
|
|
|
27.9 |
% |
|
|
|
N/M |
|
|
|
|
|
|
31.8 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
101.2 |
% |
|
|
|
103.8 |
% |
|
|
|
N/M |
|
|
|
|
102.3 |
% |
|
|
|
96.9 |
% |
|
|
|
90.4 |
% |
|
|
|
N/M |
|
|
|
|
|
|
94.2 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
5
汉诺威保险集团 |
|
||||||||||||||||||||||||||||||||||||||
GAAP承保和营业收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||
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|
整合 |
|
||||||||||||||||||||||||||||||||||||||
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|
|
|
|
|
|
|
截至9月30日的9个月 |
|
||||||||||||||||||||||||||||||||||||||
|
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|
2021 |
|
|
|
2020 |
|
||||||||||||||||||||||||||||||||
|
|
|
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|
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|
|
|
商业广告 |
|
|
|
个人 |
|
|
|
|
|
|
|
|
|
|
|
|
|
商业广告 |
|
|
|
个人 |
|
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|
||||
(单位:百万,百分比数据除外) |
|
线条 |
|
|
|
线条 |
|
|
|
其他 |
|
|
|
总计 |
|
|
|
线条 |
|
|
|
线条 |
|
|
|
其他 |
|
|
|
总计 |
|
||||||||
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|
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|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
书面毛保费 |
$ |
|
2,618.0 |
|
|
$ |
|
1,555.6 |
|
|
$ |
|
- |
|
|
$ |
|
4,173.6 |
|
|
$ |
|
2,441.6 |
|
|
$ |
|
1,477.4 |
|
|
$ |
|
- |
|
|
$ |
|
3,919.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
$ |
|
2,271.0 |
|
|
$ |
|
1,507.5 |
|
|
$ |
|
- |
|
|
$ |
|
3,778.5 |
|
|
$ |
|
2,083.0 |
|
|
$ |
|
1,403.4 |
|
|
$ |
|
- |
|
|
$ |
|
3,486.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
$ |
|
2,094.9 |
|
|
$ |
|
1,432.7 |
|
|
$ |
|
- |
|
|
$ |
|
3,527.6 |
|
|
$ |
|
1,999.6 |
|
|
$ |
|
1,373.8 |
|
|
$ |
|
- |
|
|
$ |
|
3,373.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
1,200.3 |
|
|
|
|
848.2 |
|
|
|
|
- |
|
|
|
|
2,048.5 |
|
|
|
|
1,148.6 |
|
|
|
|
758.4 |
|
|
|
|
0.1 |
|
|
|
|
1,907.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(22.6 |
) |
|
|
|
(20.1 |
) |
|
|
|
1.0 |
|
|
|
|
(41.7 |
) |
|
|
|
(12.7 |
) |
|
|
|
(0.7 |
) |
|
|
|
3.9 |
|
|
|
|
(9.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
223.8 |
|
|
|
|
154.8 |
|
|
|
|
- |
|
|
|
|
378.6 |
|
|
|
|
140.4 |
|
|
|
|
127.8 |
|
|
|
|
- |
|
|
|
|
268.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
(12.0 |
) |
|
|
|
(3.0 |
) |
|
|
|
- |
|
|
|
|
(15.0 |
) |
|
|
|
(18.2 |
) |
|
|
|
1.6 |
|
|
|
|
- |
|
|
|
|
(16.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
1,389.5 |
|
|
|
|
979.9 |
|
|
|
|
1.0 |
|
|
|
|
2,370.4 |
|
|
|
|
1,258.1 |
|
|
|
|
887.1 |
|
|
|
|
4.0 |
|
|
|
|
2,149.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
711.1 |
|
|
|
|
404.7 |
|
|
|
|
- |
|
|
|
|
1,115.8 |
|
|
|
|
691.1 |
|
|
|
|
382.2 |
|
|
|
|
- |
|
|
|
|
1,073.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
|
(5.7 |
) |
|
|
|
48.1 |
|
|
|
|
(1.0 |
) |
|
|
|
41.4 |
|
|
|
|
50.4 |
|
|
|
|
104.5 |
|
|
|
|
(4.0 |
) |
|
|
|
150.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
155.7 |
|
|
|
|
66.5 |
|
|
|
|
9.0 |
|
|
|
|
231.2 |
|
|
|
|
128.7 |
|
|
|
|
56.3 |
|
|
|
|
9.9 |
|
|
|
|
194.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
11.2 |
|
|
|
|
7.1 |
|
|
|
|
3.4 |
|
|
|
|
21.7 |
|
|
|
|
8.6 |
|
|
|
|
8.0 |
|
|
|
|
5.6 |
|
|
|
|
22.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
(12.2 |
) |
|
|
|
(4.1 |
) |
|
|
|
(8.6 |
) |
|
|
|
(24.9 |
) |
|
|
|
(15.5 |
) |
|
|
|
(7.1 |
) |
|
|
|
(11.0 |
) |
|
|
|
(33.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入(亏损) |
$ |
|
149.0 |
|
|
$ |
|
117.6 |
|
|
$ |
|
2.8 |
|
|
$ |
|
269.4 |
|
|
$ |
|
172.2 |
|
|
$ |
|
161.7 |
|
|
$ |
|
0.5 |
|
|
$ |
|
334.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
57.3 |
% |
|
|
|
59.2 |
% |
|
|
N/M |
|
|
|
|
58.1 |
% |
|
|
|
57.4 |
% |
|
|
|
55.3 |
% |
|
|
N/M |
|
|
|
|
56.5 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
(1.1 |
)% |
|
|
|
(1.4 |
)% |
|
|
N/M |
|
|
|
|
(1.2 |
)% |
|
|
|
(0.6 |
)% |
|
|
|
(0.1 |
)% |
|
|
N/M |
|
|
|
|
(0.3 |
)% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
10.7 |
% |
|
|
|
10.8 |
% |
|
|
N/M |
|
|
|
|
10.7 |
% |
|
|
|
7.0 |
% |
|
|
|
9.3 |
% |
|
|
N/M |
|
|
|
|
8.0 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
(0.6 |
)% |
|
|
|
(0.2 |
)% |
|
|
N/M |
|
|
|
|
(0.4 |
)% |
|
|
|
(0.9 |
)% |
|
|
|
0.1 |
% |
|
|
N/M |
|
|
|
|
(0.5 |
)% |
||
总损耗和LAE比率 |
|
|
66.3 |
% |
|
|
|
68.4 |
% |
|
|
N/M |
|
|
|
|
67.2 |
% |
|
|
|
62.9 |
% |
|
|
|
64.6 |
% |
|
|
N/M |
|
|
|
|
63.7 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
33.7 |
% |
|
|
|
27.8 |
% |
|
|
N/M |
|
|
|
|
31.3 |
% |
|
|
|
34.3 |
% |
|
|
|
27.4 |
% |
|
|
N/M |
|
|
|
|
31.5 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
100.0 |
% |
|
|
|
96.2 |
% |
|
|
N/M |
|
|
|
|
98.5 |
% |
|
|
|
97.2 |
% |
|
|
|
92.0 |
% |
|
|
N/M |
|
|
|
|
95.2 |
% |
||
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
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|
|
|
6
汉诺威保险集团 |
|
||||||||||||||||||||||||||||
GAAP承保信息及相关比率 |
|
||||||||||||||||||||||||||||
|
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整合 |
|
||||||||||||||||||||||||||||
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|
Q3 |
|
|
Q4 |
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
9月-年初 |
|
|
9月-年初 |
|
|||||||
(单位:百万,百分比数据除外) |
|
|
2020 |
|
|
2020 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2020 |
|
|
2021 |
|
|||||||
|
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|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
书面毛保费 |
|
$ |
|
1,406.1 |
|
$ |
|
1,235.5 |
|
$ |
|
1,337.6 |
|
$ |
|
1,342.8 |
|
$ |
|
1,493.2 |
|
$ |
|
3,919.0 |
|
$ |
|
4,173.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
|
$ |
|
1,268.5 |
|
$ |
|
1,112.1 |
|
$ |
|
1,196.1 |
|
$ |
|
1,207.2 |
|
$ |
|
1,375.2 |
|
$ |
|
3,486.4 |
|
$ |
|
3,778.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
|
$ |
|
1,135.4 |
|
$ |
|
1,154.0 |
|
$ |
|
1,161.8 |
|
$ |
|
1,179.8 |
|
$ |
|
1,186.0 |
|
$ |
|
3,373.4 |
|
$ |
|
3,527.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
645.7 |
|
|
|
666.2 |
|
|
|
656.2 |
|
|
|
680.9 |
|
|
|
711.4 |
|
|
|
1,907.1 |
|
|
|
2,048.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
(2.6 |
) |
|
|
(6.0 |
) |
|
|
(8.2 |
) |
|
|
(12.6 |
) |
|
|
(20.9 |
) |
|
|
(9.5 |
) |
|
|
(41.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
75.5 |
|
|
|
35.6 |
|
|
|
133.3 |
|
|
|
91.8 |
|
|
|
153.5 |
|
|
|
268.2 |
|
|
|
378.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
|
(9.6 |
) |
|
|
(0.5 |
) |
|
|
- |
|
|
|
(15.0 |
) |
|
|
- |
|
|
|
(16.6 |
) |
|
|
(15.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
|
709.0 |
|
|
|
695.3 |
|
|
|
781.3 |
|
|
|
745.1 |
|
|
|
844.0 |
|
|
|
2,149.2 |
|
|
|
2,370.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
365.0 |
|
|
|
374.7 |
|
|
|
371.2 |
|
|
|
371.7 |
|
|
|
372.9 |
|
|
|
1,073.3 |
|
|
|
1,115.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
$ |
|
61.4 |
|
$ |
|
84.0 |
|
$ |
|
9.3 |
|
$ |
|
63.0 |
|
$ |
|
(30.9 |
) |
$ |
|
150.9 |
|
$ |
|
41.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
56.8 |
% |
|
|
57.8 |
% |
|
|
56.4 |
% |
|
|
57.8 |
% |
|
|
60.1 |
% |
|
|
56.5 |
% |
|
|
58.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
(0.2 |
)% |
|
|
(0.5 |
)% |
|
|
(0.7 |
)% |
|
|
(1.1 |
)% |
|
|
(1.8 |
)% |
|
|
(0.3 |
)% |
|
|
(1.2 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
6.6 |
% |
|
|
3.0 |
% |
|
|
11.5 |
% |
|
|
7.8 |
% |
|
|
12.9 |
% |
|
|
8.0 |
% |
|
|
10.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
|
(0.8 |
)% |
|
|
- |
|
|
- |
|
|
|
(1.3 |
)% |
|
|
- |
|
|
|
(0.5 |
)% |
|
|
(0.4 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总损耗和LAE比率 |
|
|
|
62.4 |
% |
|
|
60.3 |
% |
|
|
67.2 |
% |
|
|
63.2 |
% |
|
|
71.2 |
% |
|
|
63.7 |
% |
|
|
67.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
31.8 |
% |
|
|
32.1 |
% |
|
|
31.6 |
% |
|
|
31.2 |
% |
|
|
31.1 |
% |
|
|
31.5 |
% |
|
|
31.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
94.2 |
% |
|
|
92.4 |
% |
|
|
98.8 |
% |
|
|
94.4 |
% |
|
|
102.3 |
% |
|
|
95.2 |
% |
|
|
98.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率,不包括巨灾损失 |
|
|
|
88.4 |
% |
|
|
89.4 |
% |
|
|
87.3 |
% |
|
|
87.9 |
% |
|
|
89.4 |
% |
|
|
87.7 |
% |
|
|
88.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年综合比率,不包括巨灾损失 |
|
|
|
88.6 |
% |
|
|
89.9 |
% |
|
|
88.0 |
% |
|
|
89.0 |
% |
|
|
91.2 |
% |
|
|
88.0 |
% |
|
|
89.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
7
汉诺威保险集团 |
|
||||||||||||||||||||||||||||||||||||||||
GAAP承保和营业收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
||||||||||||||||||||||||||||||||||||||||
商业线路 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至9月30日的三个月 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2021 |
|
|
2020 |
|
||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
多重 |
|
|
|
|
|
|
工人的 |
|
|
|
|
|
|
|
|
|
|
|
多重 |
|
|
|
|
|
|
工人的 |
|
|
|
|
|
|
|
|
|
||||
(单位:百万,百分比数据除外) |
|
危难 |
|
|
自动 |
|
|
COMP |
|
|
其他 |
|
|
总计 |
|
|
|
危难 |
|
|
自动 |
|
|
COMP |
|
|
其他 |
|
|
总计 |
|
||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
$ |
|
289.5 |
|
$ |
|
94.7 |
|
$ |
|
93.9 |
|
$ |
|
348.7 |
|
$ |
|
826.8 |
|
|
$ |
|
273.4 |
|
$ |
|
88.8 |
|
$ |
|
79.0 |
|
$ |
|
319.3 |
|
$ |
|
760.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
$ |
|
239.1 |
|
$ |
|
86.8 |
|
$ |
|
91.7 |
|
$ |
|
281.0 |
|
$ |
|
698.6 |
|
|
$ |
|
227.0 |
|
$ |
|
82.5 |
|
$ |
|
76.4 |
|
$ |
|
279.2 |
|
$ |
|
665.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
153.7 |
|
|
|
56.4 |
|
|
|
52.3 |
|
|
|
145.1 |
|
|
|
407.5 |
|
|
|
|
134.1 |
|
|
|
53.1 |
|
|
|
46.8 |
|
|
|
151.1 |
|
|
|
385.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(2.0 |
) |
|
|
- |
|
|
|
(2.4 |
) |
|
|
(7.0 |
) |
|
|
(11.4 |
) |
|
|
|
6.4 |
|
|
|
2.0 |
|
|
|
(9.8 |
) |
|
|
(2.5 |
) |
|
|
(3.9 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
57.9 |
|
|
|
0.3 |
|
|
|
- |
|
|
|
16.6 |
|
|
|
74.8 |
|
|
|
|
21.4 |
|
|
|
0.7 |
|
|
|
- |
|
|
|
20.4 |
|
|
|
42.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
(0.3 |
) |
|
|
- |
|
|
|
- |
|
|
|
0.3 |
|
|
|
- |
|
|
|
|
(6.5 |
) |
|
|
(0.1 |
) |
|
|
- |
|
|
|
(2.3 |
) |
|
|
(8.9 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
209.3 |
|
|
|
56.7 |
|
|
|
49.9 |
|
|
|
155.0 |
|
|
|
470.9 |
|
|
|
|
155.4 |
|
|
|
55.7 |
|
|
|
37.0 |
|
|
|
166.7 |
|
|
|
414.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
237.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
231.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(10.2 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
18.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
52.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
44.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
4.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(4.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(4.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
42.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
62.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
64.2 |
% |
|
|
65.0 |
% |
|
|
57.0 |
% |
|
|
51.7 |
% |
|
|
58.3 |
% |
|
|
|
59.1 |
% |
|
|
64.4 |
% |
|
|
61.2 |
% |
|
|
54.1 |
% |
|
|
57.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(0.8 |
)% |
|
|
- |
|
|
|
(2.6 |
)% |
|
|
(2.5 |
)% |
|
|
(1.6 |
)% |
|
|
|
2.8 |
% |
|
|
2.4 |
% |
|
|
(12.8 |
)% |
|
|
(0.9 |
)% |
|
|
(0.6 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
24.2 |
% |
|
|
0.3 |
% |
|
|
- |
|
|
|
5.9 |
% |
|
|
10.7 |
% |
|
|
|
9.5 |
% |
|
|
0.8 |
% |
|
|
- |
|
|
|
7.3 |
% |
|
|
6.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
(0.1 |
)% |
|
|
- |
|
|
|
- |
|
|
|
0.1 |
% |
|
|
- |
|
|
|
|
(2.9 |
)% |
|
|
(0.1 |
)% |
|
|
- |
|
|
|
(0.8 |
)% |
|
|
(1.3 |
)% |
总损耗和LAE比率 |
|
|
87.5 |
% |
|
|
65.3 |
% |
|
|
54.4 |
% |
|
|
55.2 |
% |
|
|
67.4 |
% |
|
|
|
68.5 |
% |
|
|
67.5 |
% |
|
|
48.4 |
% |
|
|
59.7 |
% |
|
|
62.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
33.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
34.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
101.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
96.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
现行政策的变化 |
|
|
3.8 |
% |
|
|
(5.3 |
)% |
|
|
8.2 |
% |
|
|
4.4 |
% |
|
|
4.0 |
% |
|
|
|
1.8 |
% |
|
|
(8.4 |
)% |
|
|
8.1 |
% |
|
|
0.3 |
% |
|
|
1.2 |
% |
|
|
|
- |
|
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
留着 |
|
|
88.8 |
% |
|
|
85.7 |
% |
|
|
86.3 |
% |
|
N/M |
|
|
|
87.8 |
% |
|
|
|
89.1 |
% |
|
|
82.5 |
% |
|
|
84.3 |
% |
|
N/M |
|
|
|
87.1 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
8
汉诺威保险集团 |
|
||||||||||||||||||||||||||||||||||||||||
GAAP承保和营业收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
商业线路 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至9月30日的9个月 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2021 |
|
|
2020 |
|
||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
多重 |
|
|
|
|
|
|
工人的 |
|
|
|
|
|
|
|
|
|
|
|
多重 |
|
|
|
|
|
|
工人的 |
|
|
|
|
|
|
|
|
|
||||
(单位:百万,百分比数据除外) |
|
危难 |
|
|
自动 |
|
|
COMP |
|
|
其他 |
|
|
总计 |
|
|
|
危难 |
|
|
自动 |
|
|
COMP |
|
|
其他 |
|
|
总计 |
|
||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
$ |
|
756.1 |
|
$ |
|
269.8 |
|
$ |
|
269.3 |
|
$ |
|
975.8 |
|
$ |
|
2,271.0 |
|
|
$ |
|
712.6 |
|
$ |
|
256.4 |
|
$ |
|
241.1 |
|
$ |
|
872.9 |
|
$ |
|
2,083.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
$ |
|
709.2 |
|
$ |
|
258.2 |
|
$ |
|
254.4 |
|
$ |
|
873.1 |
|
$ |
|
2,094.9 |
|
|
$ |
|
678.9 |
|
$ |
|
250.8 |
|
$ |
|
233.3 |
|
$ |
|
836.6 |
|
$ |
|
1,999.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
424.4 |
|
|
|
159.1 |
|
|
|
151.5 |
|
|
|
465.3 |
|
|
|
1,200.3 |
|
|
|
|
394.9 |
|
|
|
159.2 |
|
|
|
142.5 |
|
|
|
452.0 |
|
|
|
1,148.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(3.3 |
) |
|
|
3.0 |
|
|
|
(13.1 |
) |
|
|
(9.2 |
) |
|
|
(22.6 |
) |
|
|
|
13.3 |
|
|
|
10.7 |
|
|
|
(25.6 |
) |
|
|
(11.1 |
) |
|
|
(12.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
166.8 |
|
|
|
1.5 |
|
|
|
- |
|
|
|
55.5 |
|
|
|
223.8 |
|
|
|
|
95.6 |
|
|
|
1.5 |
|
|
|
- |
|
|
|
43.3 |
|
|
|
140.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
(8.2 |
) |
|
|
(1.0 |
) |
|
|
- |
|
|
|
(2.8 |
) |
|
|
(12.0 |
) |
|
|
|
(14.3 |
) |
|
|
(0.1 |
) |
|
|
- |
|
|
|
(3.8 |
) |
|
|
(18.2 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
579.7 |
|
|
|
162.6 |
|
|
|
138.4 |
|
|
|
508.8 |
|
|
|
1,389.5 |
|
|
|
|
489.5 |
|
|
|
171.3 |
|
|
|
116.9 |
|
|
|
480.4 |
|
|
|
1,258.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
711.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
691.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(5.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
50.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
155.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
128.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
11.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
8.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(12.2 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(15.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
149.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
172.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
59.8 |
% |
|
|
61.6 |
% |
|
|
59.5 |
% |
|
|
53.4 |
% |
|
|
57.3 |
% |
|
|
|
58.1 |
% |
|
|
63.4 |
% |
|
|
61.1 |
% |
|
|
54.0 |
% |
|
|
57.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(0.5 |
)% |
|
|
1.2 |
% |
|
|
(5.1 |
)% |
|
|
(1.1 |
)% |
|
|
(1.1 |
)% |
|
|
|
2.0 |
% |
|
|
4.3 |
% |
|
|
(11.0 |
)% |
|
|
(1.3 |
)% |
|
|
(0.6 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
23.6 |
% |
|
|
0.6 |
% |
|
|
- |
|
|
|
6.3 |
% |
|
|
10.7 |
% |
|
|
|
14.1 |
% |
|
|
0.6 |
% |
|
|
- |
|
|
|
5.2 |
% |
|
|
7.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
(1.2 |
)% |
|
|
(0.4 |
)% |
|
|
- |
|
|
|
(0.3 |
)% |
|
|
(0.6 |
)% |
|
|
|
(2.1 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(0.5 |
)% |
|
|
(0.9 |
)% |
总损耗和LAE比率 |
|
|
81.7 |
% |
|
|
63.0 |
% |
|
|
54.4 |
% |
|
|
58.3 |
% |
|
|
66.3 |
% |
|
|
|
72.1 |
% |
|
|
68.3 |
% |
|
|
50.1 |
% |
|
|
57.4 |
% |
|
|
62.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
33.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
34.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
100.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
97.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
现行政策的变化 |
|
|
3.8 |
% |
|
|
(5.3 |
)% |
|
|
8.2 |
% |
|
|
4.4 |
% |
|
|
4.0 |
% |
|
|
|
1.8 |
% |
|
|
(8.4 |
)% |
|
|
8.1 |
% |
|
|
0.3 |
% |
|
|
1.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
留着 |
|
|
88.3 |
% |
|
|
83.8 |
% |
|
|
84.4 |
% |
|
N/M |
|
|
|
86.7 |
% |
|
|
|
88.7 |
% |
|
|
82.0 |
% |
|
|
82.9 |
% |
|
N/M |
|
|
|
86.4 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
9
汉诺威保险集团 |
|
||||||||||||||||||||||||||||
GAAP承保信息及相关比率 |
|
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
商业线路 |
|
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q3 |
|
|
Q4 |
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
9月-年初 |
|
|
9月-年初 |
|
|||||||
(单位:百万,百分比数据除外) |
|
|
2020 |
|
|
2020 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2020 |
|
|
2021 |
|
|||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
书面毛保费 |
|
$ |
|
884.7 |
|
$ |
|
759.4 |
|
$ |
|
884.0 |
|
$ |
|
805.7 |
|
$ |
|
928.3 |
|
$ |
|
2,441.6 |
|
$ |
|
2,618.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
|
$ |
|
760.5 |
|
$ |
|
650.1 |
|
$ |
|
757.4 |
|
$ |
|
686.8 |
|
$ |
|
826.8 |
|
$ |
|
2,083.0 |
|
$ |
|
2,271.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
|
$ |
|
665.1 |
|
$ |
|
683.7 |
|
$ |
|
692.9 |
|
$ |
|
703.4 |
|
$ |
|
698.6 |
|
$ |
|
1,999.6 |
|
$ |
|
2,094.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
385.1 |
|
|
|
385.5 |
|
|
|
388.9 |
|
|
|
403.9 |
|
|
|
407.5 |
|
|
|
1,148.6 |
|
|
|
1,200.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
(3.9 |
) |
|
|
(6.3 |
) |
|
|
(3.3 |
) |
|
|
(7.9 |
) |
|
|
(11.4 |
) |
|
|
(12.7 |
) |
|
|
(22.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
42.5 |
|
|
|
10.6 |
|
|
|
118.8 |
|
|
|
30.2 |
|
|
|
74.8 |
|
|
|
140.4 |
|
|
|
223.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
|
(8.9 |
) |
|
|
(0.6 |
) |
|
|
- |
|
|
|
(12.0 |
) |
|
|
- |
|
|
|
(18.2 |
) |
|
|
(12.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
|
414.8 |
|
|
|
389.2 |
|
|
|
504.4 |
|
|
|
414.2 |
|
|
|
470.9 |
|
|
|
1,258.1 |
|
|
|
1,389.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
231.6 |
|
|
|
238.6 |
|
|
|
237.8 |
|
|
|
235.4 |
|
|
|
237.9 |
|
|
|
691.1 |
|
|
|
711.1 |
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
$ |
|
18.7 |
|
$ |
|
55.9 |
|
$ |
|
(49.3 |
) |
$ |
|
53.8 |
|
$ |
|
(10.2 |
) |
$ |
|
50.4 |
|
$ |
|
(5.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
57.9 |
% |
|
|
56.3 |
% |
|
|
56.2 |
% |
|
|
57.4 |
% |
|
|
58.3 |
% |
|
|
57.4 |
% |
|
|
57.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
(0.6 |
)% |
|
|
(0.9 |
)% |
|
|
(0.5 |
)% |
|
|
(1.1 |
)% |
|
|
(1.6 |
)% |
|
|
(0.6 |
)% |
|
|
(1.1 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
6.4 |
% |
|
|
1.6 |
% |
|
|
17.1 |
% |
|
|
4.3 |
% |
|
|
10.7 |
% |
|
|
7.0 |
% |
|
|
10.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
|
(1.3 |
)% |
|
|
(0.1 |
)% |
|
|
- |
|
|
|
(1.7 |
)% |
|
|
- |
|
|
|
(0.9 |
)% |
|
|
(0.6 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总损耗和LAE比率 |
|
|
|
62.4 |
% |
|
|
56.9 |
% |
|
|
72.8 |
% |
|
|
58.9 |
% |
|
|
67.4 |
% |
|
|
62.9 |
% |
|
|
66.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
34.5 |
% |
|
|
34.6 |
% |
|
|
34.1 |
% |
|
|
33.2 |
% |
|
|
33.8 |
% |
|
|
34.3 |
% |
|
|
33.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
96.9 |
% |
|
|
91.5 |
% |
|
|
106.9 |
% |
|
|
92.1 |
% |
|
|
101.2 |
% |
|
|
97.2 |
% |
|
|
100.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率,不包括巨灾损失 |
|
|
|
91.8 |
% |
|
|
90.0 |
% |
|
|
89.8 |
% |
|
|
89.5 |
% |
|
|
90.5 |
% |
|
|
91.1 |
% |
|
|
89.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年综合比率,不包括巨灾损失 |
|
|
|
92.4 |
% |
|
|
90.9 |
% |
|
|
90.3 |
% |
|
|
90.6 |
% |
|
|
92.1 |
% |
|
|
91.7 |
% |
|
|
91.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
10
汉诺威保险集团 |
|
|||||||||||||||||||||||||||||||||
GAAP承保和营业收入信息及比率 |
|
|||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
个人专线 |
|
|||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至9月30日的三个月 |
|
|||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2021 |
|
|
2020 |
|
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(单位:百万,百分比数据除外) |
|
|
自动 |
|
|
家 |
|
|
其他 |
|
|
总计 |
|
|
|
自动 |
|
|
家 |
|
|
其他 |
|
|
总计 |
|
||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
|
$ |
|
330.8 |
|
$ |
|
196.7 |
|
$ |
|
20.9 |
|
$ |
|
548.4 |
|
|
$ |
|
311.6 |
|
$ |
|
179.7 |
|
$ |
|
16.7 |
|
$ |
|
508.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
|
$ |
|
301.8 |
|
$ |
|
168.4 |
|
$ |
|
17.2 |
|
$ |
|
487.4 |
|
|
$ |
|
295.2 |
|
$ |
|
161.0 |
|
$ |
|
14.1 |
|
$ |
|
470.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
207.9 |
|
|
|
87.5 |
|
|
|
8.5 |
|
|
|
303.9 |
|
|
|
|
177.6 |
|
|
|
77.7 |
|
|
|
5.3 |
|
|
|
260.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
|
(10.0 |
) |
|
|
- |
|
|
|
0.1 |
|
|
|
(9.9 |
) |
|
|
|
(0.1 |
) |
|
|
2.5 |
|
|
|
(1.4 |
) |
|
|
1.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
7.5 |
|
|
|
70.2 |
|
|
|
1.0 |
|
|
|
78.7 |
|
|
|
|
3.2 |
|
|
|
29.6 |
|
|
|
0.2 |
|
|
|
33.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
|
(0.3 |
) |
|
|
0.3 |
|
|
|
- |
|
|
|
- |
|
|
|
|
- |
|
|
|
(0.7 |
) |
|
|
- |
|
|
|
(0.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
|
205.1 |
|
|
|
158.0 |
|
|
|
9.6 |
|
|
|
372.7 |
|
|
|
|
180.7 |
|
|
|
109.1 |
|
|
|
4.1 |
|
|
|
293.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
135.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
133.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(20.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
43.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
22.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
19.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1.8 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
3.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
64.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
68.9 |
% |
|
|
51.9 |
% |
|
|
49.4 |
% |
|
|
62.4 |
% |
|
|
|
60.1 |
% |
|
|
48.2 |
% |
|
|
37.6 |
% |
|
|
55.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
|
(3.3 |
)% |
|
|
- |
|
|
|
0.6 |
% |
|
|
(2.0 |
)% |
|
|
|
- |
|
|
|
1.6 |
% |
|
|
(9.9 |
)% |
|
|
0.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
2.5 |
% |
|
|
41.7 |
% |
|
|
5.8 |
% |
|
|
16.1 |
% |
|
|
|
1.1 |
% |
|
|
18.4 |
% |
|
|
1.4 |
% |
|
|
7.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
|
(0.1 |
)% |
|
|
0.2 |
% |
|
|
- |
|
|
|
- |
|
|
|
|
- |
|
|
|
(0.4 |
)% |
|
|
- |
|
|
|
(0.1 |
)% |
|
|
|
|
68.0 |
% |
|
|
93.8 |
% |
|
|
55.8 |
% |
|
|
76.5 |
% |
|
|
|
61.2 |
% |
|
|
67.8 |
% |
|
|
29.1 |
% |
|
|
62.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
27.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
27.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
103.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
90.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
现行政策的变化 |
|
|
|
2.8 |
% |
|
|
3.4 |
% |
|
|
36.8 |
% |
|
|
5.5 |
% |
|
|
|
(1.7 |
)% |
|
|
(0.2 |
)% |
|
|
46.4 |
% |
|
|
1.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
留着(1) |
|
|
|
88.0 |
% |
|
|
89.4 |
% |
|
N/M |
|
|
|
88.7 |
% |
|
|
|
81.0 |
% |
|
|
83.4 |
% |
|
N/M |
|
|
|
82.4 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1) 此措施的计算已更新(包括以前的期间),以将“丢失的业务”排除在政策取消/重写之外。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
11
汉诺威保险集团 |
|
||||||||||||||||||||||||||||||||
GAAP承保和营业收入信息及比率 |
|
||||||||||||||||||||||||||||||||
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|
|
|
个人专线 |
|
||||||||||||||||||||||||||||||||
|
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|
|
|
|
|
|
|
截至9月30日的9个月 |
|
||||||||||||||||||||||||||||||||
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
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|
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|
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|
|
|
2021 |
|
|
2020 |
|
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(单位:百万,百分比数据除外) |
|
自动 |
|
|
家 |
|
|
其他 |
|
|
总计 |
|
|
|
自动 |
|
|
家 |
|
|
其他 |
|
|
总计 |
|
||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
$ |
|
930.1 |
|
$ |
|
522.2 |
|
$ |
|
55.2 |
|
$ |
|
1,507.5 |
|
|
$ |
|
867.8 |
|
$ |
|
491.0 |
|
$ |
|
44.6 |
|
$ |
|
1,403.4 |
|
净保费收入 |
$ |
|
888.5 |
|
$ |
|
495.6 |
|
$ |
|
48.6 |
|
$ |
|
1,432.7 |
|
|
$ |
|
852.4 |
|
$ |
|
480.9 |
|
$ |
|
40.5 |
|
$ |
|
1,373.8 |
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
566.2 |
|
|
|
261.3 |
|
|
|
20.7 |
|
|
|
848.2 |
|
|
|
|
506.0 |
|
|
|
237.6 |
|
|
|
14.8 |
|
|
|
758.4 |
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(19.1 |
) |
|
|
(0.7 |
) |
|
|
(0.3 |
) |
|
|
(20.1 |
) |
|
|
|
2.8 |
|
|
|
0.5 |
|
|
|
(4.0 |
) |
|
|
(0.7 |
) |
当前事故年巨灾损失 |
|
|
17.5 |
|
|
|
136.1 |
|
|
|
1.2 |
|
|
|
154.8 |
|
|
|
|
9.2 |
|
|
|
117.6 |
|
|
|
1.0 |
|
|
|
127.8 |
|
前一事故年不利(有利)巨灾损失发展 |
|
|
(1.0 |
) |
|
|
(2.1 |
) |
|
|
0.1 |
|
|
|
(3.0 |
) |
|
|
|
0.8 |
|
|
|
0.7 |
|
|
|
0.1 |
|
|
|
1.6 |
|
总亏损和LAE |
|
|
563.6 |
|
|
|
394.6 |
|
|
|
21.7 |
|
|
|
979.9 |
|
|
|
|
518.8 |
|
|
|
356.4 |
|
|
|
11.9 |
|
|
|
887.1 |
|
摊销递延收购成本和其他承销费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
404.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
382.2 |
|
GAAP承销利润 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
48.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
104.5 |
|
净投资收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
66.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
56.3 |
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
7.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
8.0 |
|
其他运营费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(4.1 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(7.1 |
) |
所得税前营业收入 |
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
117.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
161.7 |
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
63.6 |
% |
|
|
52.7 |
% |
|
|
42.6 |
% |
|
|
59.2 |
% |
|
|
|
59.4 |
% |
|
|
49.4 |
% |
|
|
36.6 |
% |
|
|
55.3 |
% |
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(2.1 |
)% |
|
|
(0.1 |
)% |
|
|
(0.6 |
)% |
|
|
(1.4 |
)% |
|
|
|
0.3 |
% |
|
|
0.1 |
% |
|
|
(9.9 |
)% |
|
|
(0.1 |
)% |
当前事故年巨灾损失 |
|
|
2.0 |
% |
|
|
27.4 |
% |
|
|
2.5 |
% |
|
|
10.8 |
% |
|
|
|
1.1 |
% |
|
|
24.5 |
% |
|
|
2.5 |
% |
|
|
9.3 |
% |
前一事故年不利(有利)巨灾损失发展 |
|
|
(0.1 |
)% |
|
|
(0.4 |
)% |
|
|
0.2 |
% |
|
|
(0.2 |
)% |
|
|
|
0.1 |
% |
|
|
0.1 |
% |
|
|
0.2 |
% |
|
|
0.1 |
% |
总损耗和LAE比率 |
|
|
63.4 |
% |
|
|
79.6 |
% |
|
|
44.7 |
% |
|
|
68.4 |
% |
|
|
|
60.9 |
% |
|
|
74.1 |
% |
|
|
29.4 |
% |
|
|
64.6 |
% |
费用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
27.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
27.4 |
% |
合并比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
96.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
92.0 |
% |
现行政策的变化 |
|
|
2.8 |
% |
|
|
3.4 |
% |
|
|
36.8 |
% |
|
|
5.5 |
% |
|
|
|
(1.7 |
)% |
|
|
(0.2 |
)% |
|
|
46.4 |
% |
|
|
1.4 |
% |
留着(1) |
|
|
86.0 |
% |
|
|
87.1 |
% |
|
N/M |
|
|
|
86.6 |
% |
|
|
|
83.8 |
% |
|
|
85.0 |
% |
|
N/M |
|
|
|
84.5 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
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(1) 此措施的计算已更新(包括以前的期间),以将“丢失的业务”排除在政策取消/重写之外。 |
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12
汉诺威保险集团 |
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GAAP承保信息及相关比率 |
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个人专线 |
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Q3 |
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Q4 |
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Q1 |
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Q2 |
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Q3 |
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9月-年初 |
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9月-年初 |
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|||||||
(单位:百万,百分比数据除外) |
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2020 |
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2020 |
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2021 |
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2021 |
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2021 |
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2020 |
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2021 |
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书面毛保费 |
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$ |
|
521.4 |
|
$ |
|
476.1 |
|
$ |
|
453.6 |
|
$ |
|
537.1 |
|
$ |
|
564.9 |
|
$ |
|
1,477.4 |
|
$ |
|
1,555.6 |
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承保的净保费 |
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$ |
|
508.0 |
|
$ |
|
462.0 |
|
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
1,403.4 |
|
$ |
|
1,507.5 |
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净保费收入 |
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$ |
|
470.3 |
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$ |
|
470.3 |
|
$ |
|
468.9 |
|
$ |
|
476.4 |
|
$ |
|
487.4 |
|
$ |
|
1,373.8 |
|
$ |
|
1,432.7 |
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亏损和LAE: |
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当前事故年,不包括巨灾损失 |
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260.6 |
|
|
|
280.7 |
|
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267.3 |
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277.0 |
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303.9 |
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|
758.4 |
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|
848.2 |
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上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
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|
1.0 |
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- |
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(5.2 |
) |
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(5.0 |
) |
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(9.9 |
) |
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(0.7 |
) |
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(20.1 |
) |
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当前事故年巨灾损失 |
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33.0 |
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25.0 |
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14.5 |
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61.6 |
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78.7 |
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127.8 |
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154.8 |
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前一事故年不利(有利)巨灾损失发展 |
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(0.7 |
) |
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0.1 |
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- |
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(3.0 |
) |
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- |
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1.6 |
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(3.0 |
) |
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总亏损和LAE |
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293.9 |
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305.8 |
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276.6 |
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330.6 |
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372.7 |
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887.1 |
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979.9 |
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摊销递延收购成本和其他承销费用 |
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|
133.4 |
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|
136.1 |
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133.4 |
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136.3 |
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135.0 |
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382.2 |
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404.7 |
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公认会计准则承保利润(亏损) |
|
$ |
|
43.0 |
|
$ |
|
28.4 |
|
$ |
|
58.9 |
|
$ |
|
9.5 |
|
$ |
|
(20.3 |
) |
$ |
|
104.5 |
|
$ |
|
48.1 |
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损耗和LAE比率: |
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|
当前事故年,不包括巨灾损失 |
|
|
|
55.4 |
% |
|
|
59.7 |
% |
|
|
57.0 |
% |
|
|
58.1 |
% |
|
|
62.4 |
% |
|
|
55.3 |
% |
|
|
59.2 |
% |
|
|
|
|
|
|
|
|
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|
|
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|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
|
0.2 |
% |
|
|
- |
|
|
|
(1.1 |
)% |
|
|
(1.0 |
)% |
|
|
(2.0 |
)% |
|
|
(0.1 |
)% |
|
|
(1.4 |
)% |
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|
|
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|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
7.0 |
% |
|
|
5.3 |
% |
|
|
3.1 |
% |
|
|
12.9 |
% |
|
|
16.1 |
% |
|
|
9.3 |
% |
|
|
10.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
|
(0.1 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(0.6 |
)% |
|
|
- |
|
|
|
0.1 |
% |
|
|
(0.2 |
)% |
|
|
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|
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|
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|
|
总损耗和LAE比率 |
|
|
|
62.5 |
% |
|
|
65.0 |
% |
|
|
59.0 |
% |
|
|
69.4 |
% |
|
|
76.5 |
% |
|
|
64.6 |
% |
|
|
68.4 |
% |
|
|
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|
|
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|
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|
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|
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|
|
|
|
|
费用比率 |
|
|
|
27.9 |
% |
|
|
28.4 |
% |
|
|
28.0 |
% |
|
|
28.2 |
% |
|
|
27.3 |
% |
|
|
27.4 |
% |
|
|
27.8 |
% |
|
|
|
|
|
|
|
|
|
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
90.4 |
% |
|
|
93.4 |
% |
|
|
87.0 |
% |
|
|
97.6 |
% |
|
|
103.8 |
% |
|
|
92.0 |
% |
|
|
96.2 |
% |
|
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|
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|
综合比率,不包括巨灾损失 |
|
|
|
83.5 |
% |
|
|
88.1 |
% |
|
|
83.9 |
% |
|
|
85.3 |
% |
|
|
87.7 |
% |
|
|
82.6 |
% |
|
|
85.6 |
% |
|
|
|
|
|
|
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|
|
|
|
|
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|
|
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|
当前事故年综合比率,不包括巨灾损失 |
|
|
|
83.3 |
% |
|
|
88.1 |
% |
|
|
85.0 |
% |
|
|
86.3 |
% |
|
|
89.7 |
% |
|
|
82.7 |
% |
|
|
87.0 |
% |
|
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|
13
汉诺威保险集团 |
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|||||||||||||||||||||||
净投资收益和收益率 |
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|
Q3 |
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Q4 |
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Q1 |
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Q2 |
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Q3 |
|
黄大仙 |
|
黄大仙 |
|
|||||||
(单位:百万,收益率除外) |
|
|
2020 |
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2020 |
|
2021 |
|
2021 |
|
2021 |
|
2020 |
|
2021 |
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|
净投资收益 |
|
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|
|
|
|
|
|
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|
|
固定期限 |
|
|
$ |
55.3 |
|
$ |
54.8 |
|
$ |
54.5 |
|
$ |
53.9 |
|
$ |
54.2 |
|
$ |
167.7 |
|
$ |
162.6 |
|
|
有限合伙企业 |
|
|
|
6.0 |
|
|
8.7 |
|
|
15.1 |
|
|
15.5 |
|
|
18.9 |
|
|
8.0 |
|
|
49.5 |
|
|
按揭贷款 |
|
|
|
4.5 |
|
|
4.4 |
|
|
5.4 |
|
|
4.2 |
|
|
4.0 |
|
|
13.1 |
|
|
13.6 |
|
|
股权证券 |
|
|
|
3.4 |
|
|
4.0 |
|
|
3.8 |
|
|
3.8 |
|
|
3.7 |
|
|
10.8 |
|
|
11.3 |
|
|
其他投资 |
|
|
|
0.7 |
|
|
0.8 |
|
|
0.7 |
|
|
0.9 |
|
|
0.7 |
|
|
2.4 |
|
|
2.3 |
|
|
投资费用 |
|
|
|
(2.3 |
) |
|
(2.5 |
) |
|
(2.7 |
) |
|
(2.7 |
) |
|
(2.7 |
) |
|
(7.1 |
) |
|
(8.1 |
) |
|
总计 |
|
|
$ |
67.6 |
|
$ |
70.2 |
|
$ |
76.8 |
|
$ |
75.6 |
|
$ |
78.8 |
|
$ |
194.9 |
|
$ |
231.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
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|
|
|
|
|
|
|
税前收益率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限 |
|
|
|
3.26 |
% |
|
3.15 |
% |
|
3.11 |
% |
|
3.02 |
% |
|
2.96 |
% |
|
3.38 |
% |
|
3.03 |
% |
|
总计 |
|
|
|
|
3.37 |
% |
|
3.45 |
% |
|
3.74 |
% |
|
3.65 |
% |
|
3.72 |
% |
|
3.32 |
% |
|
3.70 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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税前收益率是指当期的年化净投资收入除以按摊销成本或成本计算的月平均投资资产,其中不包括固定期限和股权证券的公允价值累计变动。 |
|
14
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汉诺威保险集团 |
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投资组合 |
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||||||||||||||||||
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2021年9月30日 |
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(单位:百万) |
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改变 |
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改变 |
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加权 |
摊销 |
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网络 |
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网络 |
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网络 |
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平均值 |
成本 |
|
公允价值/ |
|
的百分比 |
|
未实现 |
|
未实现 |
|
未实现 |
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||||||
|
投资类型 |
质量 |
或成本(1) |
|
进位值 |
|
总计 |
|
利得 |
|
在第三季度 |
|
黄大仙 |
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固定期限: |
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|
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|
|
美国财政部和政府机构 |
AAA级 |
$ |
355.2 |
|
$ |
358.7 |
|
|
3.9 |
% |
$ |
3.5 |
|
$ |
(1.9 |
) |
$ |
(12.1 |
) |
|
|
外国政府 |
A- |
|
2.2 |
|
|
2.6 |
|
|
- |
|
|
0.4 |
|
|
- |
|
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(0.1 |
) |
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市政当局: |
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应税 |
AA型 |
|
1,076.2 |
|
|
1,109.6 |
|
|
12.0 |
% |
|
33.4 |
|
|
(8.9 |
) |
|
(26.5 |
) |
|
|
免税 |
AA型 |
|
28.5 |
|
|
29.3 |
|
|
0.3 |
% |
|
0.8 |
|
|
(0.2 |
) |
|
(0.9 |
) |
|
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公司: |
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NAIC 1 |
A |
|
1,426.7 |
|
|
1,515.2 |
|
|
16.3 |
% |
|
88.5 |
|
|
(11.3 |
) |
|
(50.1 |
) |
|
|
NAIC 2 |
BBB |
|
2,252.3 |
|
|
2,364.3 |
|
|
25.5 |
% |
|
112.0 |
|
|
(20.0 |
) |
|
(69.3 |
) |
|
|
NAIC 3及以下版本 |
BB- |
|
304.6 |
|
|
319.3 |
|
|
3.5 |
% |
|
14.7 |
|
|
(1.5 |
) |
|
(6.8 |
) |
|
|
公司总数 |
BBB+ |
|
3,983.6 |
|
|
4,198.8 |
|
|
45.3 |
% |
|
215.2 |
|
|
(32.8 |
) |
|
(126.2 |
) |
|
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资产支持: |
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住房抵押贷款支持 |
AAA级 |
|
1,069.1 |
|
|
1,079.6 |
|
|
11.6 |
% |
|
10.5 |
|
|
(7.3 |
) |
|
(22.0 |
) |
|
|
商业抵押贷款支持 |
AAA级 |
|
784.0 |
|
|
817.1 |
|
|
8.8 |
% |
|
33.1 |
|
|
(7.2 |
) |
|
(21.5 |
) |
|
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资产支持 |
A |
|
101.6 |
|
|
103.5 |
|
|
1.1 |
% |
|
1.9 |
|
|
(0.7 |
) |
|
(0.7 |
) |
|
|
总固定到期日 |
A+ |
|
7,400.4 |
|
|
7,699.2 |
|
|
83.0 |
% |
|
298.8 |
|
|
(59.0 |
) |
|
(210.0 |
) |
|
|
股权证券 |
|
|
615.5 |
|
|
615.5 |
|
|
6.6 |
% |
|
- |
|
|
- |
|
|
- |
|
|
|
按揭及其他贷款 |
|
|
448.1 |
|
|
448.1 |
|
|
4.8 |
% |
|
- |
|
|
- |
|
|
- |
|
|
|
其他投资 |
|
|
340.2 |
|
|
340.2 |
|
|
3.7 |
% |
|
- |
|
|
- |
|
|
- |
|
|
|
总投资 |
|
|
8,804.2 |
|
|
9,103.0 |
|
|
98.1 |
% |
|
298.8 |
|
|
(59.0 |
) |
|
(210.0 |
) |
|
|
现金和现金等价物 |
|
|
171.2 |
|
|
171.2 |
|
|
1.9 |
% |
|
- |
|
|
- |
|
|
- |
|
|
|
总计 |
|
$ |
8,975.4 |
|
$ |
9,274.2 |
|
|
100.0 |
% |
$ |
298.8 |
|
$ |
(59.0 |
) |
$ |
(210.0 |
) |
|
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(1)扣除信贷损失拨备后的净额730万美元。 |
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|
15
汉诺威保险集团 |
|
||||||||||||
信用质量与固定期限 |
|
||||||||||||
2021年9月30日 |
|
||||||||||||
|
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|
(单位:百万) |
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|
固定期限的信贷质量 |
|
||||||||||||
|
|
评级机构 |
|
摊销 |
|
|
公平 |
|
占总数的百分比 |
|
|||
NAIC认证 |
等效名称 |
|
成本(1) |
|
|
价值 |
|
公允价值 |
|
||||
1 |
AAA/AA/A |
$ |
|
4,767.1 |
|
$ |
|
4,937.4 |
|
|
64.1 |
% |
|
2 |
BAA |
|
|
2,328.7 |
|
|
|
2,442.5 |
|
|
31.7 |
% |
|
3 |
基数 |
|
|
201.2 |
|
|
|
211.0 |
|
|
2.8 |
% |
|
4 |
B |
|
|
98.3 |
|
|
|
102.6 |
|
|
1.3 |
% |
|
5 |
CAA及更低版本 |
|
|
5.1 |
|
|
|
5.7 |
|
|
0.1 |
% |
|
总固定到期日 |
|
$ |
|
7,400.4 |
|
$ |
|
7,699.2 |
|
|
100.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
固定期限 |
|
|
|
|
|||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销 |
|
|
公平 |
|
占总数的百分比 |
|
|||
|
|
|
|
成本(1) |
|
|
价值 |
|
公允价值 |
|
|||
|
0-2年 |
$ |
|
1,078.9 |
|
$ |
|
1,112.7 |
|
|
14.5 |
% |
|
|
2-4年 |
|
|
1,644.1 |
|
|
|
1,750.1 |
|
|
22.7 |
% |
|
|
4-6年 |
|
|
2,072.7 |
|
|
|
2,194.3 |
|
|
28.5 |
% |
|
|
6-8年 |
|
|
1,226.7 |
|
|
|
1,269.8 |
|
|
16.5 |
% |
|
|
8-10年 |
|
|
1,179.5 |
|
|
|
1,168.7 |
|
|
15.2 |
% |
|
|
10年以上 |
|
|
198.5 |
|
|
|
203.6 |
|
|
2.6 |
% |
|
总固定到期日 |
|
|
$ |
|
7,400.4 |
|
$ |
|
7,699.2 |
|
|
100.0 |
% |
加权平均工期 |
|
|
|
|
5.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)扣除信贷损失拨备后的净额20万美元。 |
|
|
|
|
|
|
|
|
|
|
|
16
汉诺威保险集团 |
||||||||||
企业和市政固定期限控股前25名 |
||||||||||
2021年9月30日 |
||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(单位:百万,百分比数据除外) |
|
|
|
|
|
|
|
|
|
|
发行人 |
摊销成本 |
|
公允价值 |
|
作为投资资产的百分比 |
|
评级(1) |
|||
明尼苏达州住房金融局 |
$ |
42.3 |
|
$ |
42.5 |
|
0.46% |
|
AAA级 |
|
摩根士丹利 |
|
36.0 |
|
|
38.5 |
|
0.42% |
|
BBB+ |
|
俄亥俄州 |
|
34.2 |
|
|
33.7 |
|
0.36% |
|
AA+ |
|
Truist Financial |
|
32.6 |
|
|
34.7 |
|
0.37% |
|
A- |
|
嘉信理财(Charles Schwab) |
|
29.7 |
|
|
31.5 |
|
0.34% |
|
A |
|
高盛 |
|
28.9 |
|
|
30.6 |
|
0.33% |
|
BBB |
|
艾伯维 |
|
27.9 |
|
|
29.4 |
|
0.32% |
|
BBB+ |
|
三井住友金融 |
|
27.5 |
|
|
28.4 |
|
0.31% |
|
A- |
|
美国银行 |
|
26.3 |
|
|
28.6 |
|
0.31% |
|
A- |
|
马萨诸塞州学校建筑局 |
|
26.3 |
|
|
25.9 |
|
0.28% |
|
AA+ |
|
西太平洋银行 |
|
25.6 |
|
|
27.2 |
|
0.29% |
|
A |
|
加州州立大学 |
|
25.6 |
|
|
26.4 |
|
0.28% |
|
AA- |
|
俄勒冈州 |
|
25.5 |
|
|
25.6 |
|
0.28% |
|
AA+ |
|
摩根大通(JP Morgan Chase) |
|
25.3 |
|
|
26.6 |
|
0.29% |
|
A- |
|
PNC银行 |
|
24.8 |
|
|
26.7 |
|
0.29% |
|
A |
|
国家电网 |
|
24.2 |
|
|
25.2 |
|
0.27% |
|
BBB+ |
|
劳氏 |
|
23.8 |
|
|
25.1 |
|
0.27% |
|
BBB+ |
|
信诺 |
|
23.6 |
|
|
24.6 |
|
0.27% |
|
A- |
|
克罗格 |
|
23.1 |
|
|
24.1 |
|
0.26% |
|
BBB |
|
三菱日联金融集团 |
|
23.0 |
|
|
24.2 |
|
0.26% |
|
A- |
|
哥伦比亚特区 |
|
23.0 |
|
|
22.8 |
|
0.25% |
|
AAA级 |
|
威斯康星州 |
|
22.5 |
|
|
22.6 |
|
0.24% |
|
AA+ |
|
公民金融集团 |
|
22.3 |
|
|
23.2 |
|
0.25% |
|
BBB+ |
|
瑞银集团(UBS Group) |
|
22.1 |
|
|
22.7 |
|
0.24% |
|
A- |
|
麻省互惠银行全球融资II |
|
21.9 |
|
|
23.5 |
|
0.25% |
|
AA+ |
|
排名前25位的企业和市政 |
$ |
668.0 |
|
$ |
694.3 |
|
7.49% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)-代表国家认可的评级机构消息来源。 |
|
|
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|
17
|
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|
汉诺威保险集团 |
|
|||||||||||||||||||||||||||||||||||
营业收入与净收入的对账 |
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|
|
|
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|
|
|
|
|
|
|
截至9月30日的三个月 |
|
|
截至9月30日的9个月 |
|
||||||||||||||||||||||||||||||
|
|
2021 |
|
|
2020 |
|
|
2021 |
|
|
2020 |
|
||||||||||||||||||||||||
(单位为百万,每股数据除外) |
|
|
$ |
|
人均 共享(稀释) |
|
|
|
$ |
|
人均 共享(稀释) |
|
|
|
$ |
|
人均 共享(稀释) |
|
|
|
$ |
|
人均 共享(稀释) |
|
||||||||||||
营业收入(亏损) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
商业线路 |
|
$ |
|
42.4 |
|
|
|
|
|
|
$ |
|
62.3 |
|
|
|
|
|
|
$ |
|
149.0 |
|
|
|
|
|
|
$ |
|
172.2 |
|
|
|
|
|
个人专线 |
|
|
|
3.6 |
|
|
|
|
|
|
|
|
64.2 |
|
|
|
|
|
|
|
|
117.6 |
|
|
|
|
|
|
|
|
161.7 |
|
|
|
|
|
其他 |
|
|
|
1.0 |
|
|
|
|
|
|
|
|
1.9 |
|
|
|
|
|
|
|
|
2.8 |
|
|
|
|
|
|
|
|
0.5 |
|
|
|
|
|
总计 |
|
|
|
47.0 |
|
|
|
|
|
|
|
|
128.4 |
|
|
|
|
|
|
|
|
269.4 |
|
|
|
|
|
|
|
|
334.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
利息支出 |
|
|
|
(8.5 |
) |
|
|
|
|
|
|
|
(9.8 |
) |
|
|
|
|
|
|
|
(25.5 |
) |
|
|
|
|
|
|
|
(28.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入 |
|
|
|
38.5 |
|
$ |
|
1.06 |
|
|
|
|
118.6 |
|
$ |
|
3.12 |
|
|
|
|
243.9 |
|
$ |
|
6.68 |
|
|
|
|
305.8 |
|
$ |
|
7.96 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
营业收入所得税费用 |
|
|
|
(7.7 |
) |
|
|
(0.21 |
) |
|
|
|
(25.1 |
) |
|
|
(0.66 |
) |
|
|
|
(47.7 |
) |
|
|
(1.31 |
) |
|
|
|
(62.8 |
) |
|
|
(1.63 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税后营业收入 |
|
|
|
30.8 |
|
|
|
0.85 |
|
|
|
|
93.5 |
|
|
|
2.46 |
|
|
|
|
196.2 |
|
|
|
5.37 |
|
|
|
|
243.0 |
|
|
|
6.33 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
非经营性项目: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
销售和其他业务的净已实现收益 |
|
|
|
3.6 |
|
|
|
0.10 |
|
|
|
|
8.2 |
|
|
|
0.21 |
|
|
|
|
6.8 |
|
|
|
0.19 |
|
|
|
|
12.1 |
|
|
|
0.31 |
|
权益证券公允价值净变动 |
|
|
|
0.3 |
|
|
|
0.01 |
|
|
|
|
30.3 |
|
|
|
0.80 |
|
|
|
|
65.9 |
|
|
|
1.80 |
|
|
|
|
(44.4 |
) |
|
|
(1.15 |
) |
投资减值回收(损失) |
|
|
|
0.1 |
|
|
|
- |
|
|
|
|
(0.8 |
) |
|
|
(0.02 |
) |
|
|
|
(0.1 |
) |
|
|
- |
|
|
|
|
(27.9 |
) |
|
|
(0.73 |
) |
偿还借款损失 |
|
|
|
- |
|
|
|
- |
|
|
|
|
(6.1 |
) |
|
|
(0.16 |
) |
|
|
|
- |
|
|
|
- |
|
|
|
|
(6.2 |
) |
|
|
(0.16 |
) |
其他非经营性项目 |
|
|
|
- |
|
|
|
- |
|
|
|
|
(1.6 |
) |
|
|
(0.04 |
) |
|
|
|
- |
|
|
|
- |
|
|
|
|
(1.6 |
) |
|
|
(0.04 |
) |
非经营性项目所得税优惠(费用) |
|
|
|
- |
|
|
|
- |
|
|
|
|
(4.0 |
) |
|
|
(0.11 |
) |
|
|
|
(11.6 |
) |
|
|
(0.32 |
) |
|
|
|
21.1 |
|
|
|
0.55 |
|
持续经营所得,税后净额 |
|
|
|
34.8 |
|
|
|
0.96 |
|
|
|
|
119.5 |
|
|
|
3.14 |
|
|
|
|
257.2 |
|
|
|
7.04 |
|
|
|
|
196.1 |
|
|
|
5.11 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
停产业务(税后净额): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
停产寿险业务的亏损 |
|
|
|
(0.8 |
) |
|
|
(0.02 |
) |
|
|
|
(0.6 |
) |
|
|
(0.01 |
) |
|
|
|
(2.0 |
) |
|
|
(0.06 |
) |
|
|
|
(2.0 |
) |
|
|
(0.06 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净收入 |
|
$ |
|
34.0 |
|
$ |
|
0.94 |
|
|
$ |
|
118.9 |
|
$ |
|
3.13 |
|
|
$ |
|
255.2 |
|
$ |
|
6.98 |
|
|
$ |
|
194.1 |
|
$ |
|
5.05 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
18
非GAAP财务指标 |
|
汉诺威使用非GAAP财务衡量标准作为公司经营业绩的重要衡量标准,我们认为这为投资者提供了有关管理层对我们经营业绩和财务业绩的评估的更多信息。该公司的非GAAP衡量标准包括利息支出和税前营业收入、税后营业收入总额、每股税后营业收入总额、每股账面价值总额、不包括与投资有关的未实现净收益和亏损的每股账面价值总额、税后净值、每股有形账面价值和营业收入和亏损指标,以及不包括巨灾损失的综合比率(这里讨论的巨灾损失包括巨灾损失发展)和储备发展。 |
|
扣除利息支出和税前的营业收入为净收益(亏损),不包括债务利息支出、所得税和净已实现和未实现投资损益,其中包括仍持有的股本证券公允价值的变化,因为这些损益的波动是由利率、金融市场和出售时机决定的。扣除利息支出和税项前的营业收入还不包括处置业务、非持续经营、重组成本、会计变化的累积影响和某些其他项目的净收益和亏损。利息支出和税前营业收入是营业收入(亏损)的总和,这些营业收入(亏损)来自:商业线、个人线和其他。税后营业收入每股收益(有时也称为每股税后营业收入)也是非GAAP衡量标准。它被定义为不包括已实现和未实现投资净收益(亏损)的税后影响,以及一段时期内非持续经营和其他非营业项目的结果除以普通股平均稀释股数的净收益(亏损)。汉诺威认为,利息、支出和税前营业收入的衡量为投资者提供了衡量公司正在进行的业务表现的宝贵指标,因为它们突出了可归因于业务核心业务的净收益(亏损)。 |
|
每股账面价值是股东权益总额除以已发行普通股数量。每股账面价值(不包括与固定期限投资有关的未实现净收益和净亏损)是扣除固定期限未实现投资收益和亏损的税后影响除以已发行普通股数量后的股东权益总额。每股有形账面价值是不包括商誉和无形资产的股东权益总额除以已发行普通股数量。 |
|
汉诺威还提供了不包括巨灾损失影响的营业收入和损失率的衡量标准。巨灾是由自然或人为事件造成的严重损失,其中包括飓风、龙卷风和其他暴风雨、地震、冰雹、恶劣冬季天气、火灾、爆炸和恐怖主义。每一次灾难都有其独特的特点。每一次灾难在时间或损失金额上都是不可预知的。汉诺威认为,提供排除灾难影响的某些财务指标和趋势,对于投资者理解周期性收益和亏损比率的可变性是有意义的。他说: |
|
上一年的储量开发,可能是有利的,也可能是不利的,代表着我们对支付前几年索赔成本的估计发生了变化。我们认为,讨论不包括上一年储量发展的营业收入对投资者是有帮助的,因为它提供了对我们对本年度事故结果的估计和对上一年储量估计的变化的洞察力。 |
|
不应将扣除巨灾损失或储备开发影响的营业收入、利息、费用和税后营业收入以及营业收入计量解释为按公认会计准则确定的净收益(亏损)的替代品。本文件第18页列出了截至2021年9月30日和2020年9月30日的三个月和六个月的持续经营收入(亏损)与扣除利息支出和税前营业收入(亏损)以及每股持续经营收入(亏损)和每股税后营业收入(亏损)的对账。不包括储量开发和/或巨灾损失影响的计算损失率的列报不应被解释为取代根据公认会计原则确定的损失率。 |
|
有关当期财务结果的新闻稿中提供了更多对账信息,可在公司网站www.hanover.com上查阅。 |
19
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|
公司办公室和 |
|
|
|
截至2021年10月27日的行业评级 |
|
|
转运剂 |
|||||||||||
主要子公司 |
|
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|
|
|
||||||||
|
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|
|
|
|
||||||||
汉诺威保险集团(Hanover Insurance Group,Inc.) |
|
|
|
|
上午 |
标准 |
|
|
|
计算机股票投资者服务 |
||||||||
林肯街440号 |
|
|
|
财务实力评级 |
最好的 |
&Poor‘s |
穆迪(Moody‘s) |
|
|
宝箱505000 |
||||||||
马萨诸塞州伍斯特,邮编:01653 |
|
|
|
汉诺威保险 |
|
|
|
|
|
肯塔基州路易斯维尔,邮编:40233-5000 |
||||||||
|
|
|
|
公司 |
A |
A |
A2 |
|
|
1-800-317-4454 |
||||||||
汉诺威保险公司 |
|
|
|
公民保险公司 |
|
|
|
|
|
|
||||||||
林肯街440号 |
|
|
|
美国的 |
A |
A |
- |
|
|
|
||||||||
马萨诸塞州伍斯特,邮编:01653 |
|
|
|
|
|
|
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|
|
||||||||
|
|
|
|
|
|
|
|
|
|
普通股 |
||||||||
美国公民保险公司 |
|
|
|
|
上午 |
标准 |
|
|
|
|
||||||||
北海兰德路808号 |
|
|
|
债务评级 |
最好的 |
&Poor‘s |
穆迪(Moody‘s) |
|
|
汉诺威保险集团公司普通股上市交易 |
||||||||
密西西比州豪厄尔,邮编:48843 |
|
|
|
汉诺威保险集团(Hanover Insurance Group,Inc.) |
|
|
|
|
在纽约证券交易所上市,代码为“THG”。 |
|||||||||
|
|
|
|
优先债 |
BBB+ |
BBB |
Baa2 |
|
|
|
||||||||
|
|
|
|
附属债券 |
BBB- |
BB+ |
Baa3 |
|
|
|
||||||||
市场和股利信息 |
|
|
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|
|
|
|
|
|
查询 |
||||||||
|
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|
||||||||
下表列出了最高收盘价和最低收盘价 |
|
|
|
以上评级是截至2021年10月27日的准确评级,可能是 |
|
|
奥克萨娜·卢卡什耶娃 |
|||||||||||
我们普通股和季度现金的销售价格 |
|
|
|
由各自的评级机构在任何时候修订、取代或撤回 |
|
|
高级副总裁 |
|||||||||||
所示期间的股息: |
|
|
|
时间到了。获取有关以下公司财务评级的最新信息 |
|
|
公司财务 |
|||||||||||
|
|
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|
|
|
|
|
|
|
|
|
汉诺威保险集团及其附属公司,请浏览 |
|
|
邮箱:olukasheva@hanover.com |
|||
截至的季度 |
2021 |
|
|
|
各评级机构的网站。 |
|
|
|
||||||||||
|
价格范围 |
|
分红 |
|
|
|
|
|
|
|
|
|
|
|||||
|
高 |
|
低 |
|
每股 |
|
|
|
|
|
|
|
|
|
|
|||
3月31日 |
$ |
133.12 |
|
$ |
112.47 |
|
$ |
0.700 |
|
|
|
|
|
|
|
|
|
|
6月30日 |
$ |
142.80 |
|
$ |
129.83 |
|
$ |
0.700 |
|
|
|
|
|
|
|
|
|
|
九月三十日 |
$ |
142.35 |
|
$ |
127.33 |
|
$ |
0.700 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
截至的季度 |
2020 |
|
|
|
|
|
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|
|
|
|
|||||||
|
价格范围 |
|
分红 |
|
|
|
|
|
|
|
|
|
|
|||||
|
高 |
|
低 |
|
每股 |
|
|
|
|
|
|
|
|
|
|
|||
3月31日 |
$ |
140.54 |
|
$ |
83.67 |
|
$ |
0.650 |
|
|
|
|
|
|
|
|
|
|
6月30日 |
$ |
115.06 |
|
$ |
84.64 |
|
$ |
0.650 |
|
|
|
|
|
|
|
|
|
|
九月三十日 |
$ |
107.36 |
|
$ |
89.10 |
|
$ |
0.650 |
|
|
|
|
|
|
|
|
|
|
12月31日 |
$ |
118.34 |
|
$ |
93.58 |
|
$ |
0.700 |
|
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|
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20