展品99.2
财政补助金
2021年第四季度
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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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Business Descriptions................................................................................................... |
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Financial Highlights........................................................................................................ |
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合并财务报表 |
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Income Statements.................................................................................................... |
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Balance Sheets.......................................................................................................... |
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GAAP承保业绩 |
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Consolidated.............................................................................................................. |
5-7 |
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Commercial Lines..................................................................................................... |
8-10 |
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Personal Lines........................................................................................................... |
11-13 |
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投资 |
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Net Investment Income and Yields........................................................................... |
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Investment 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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Non-GAAP Financial Measures............................................................................... |
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Corporate Information............................................................................................... |
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Market and Dividend Information............................................................................. |
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Financial Strength and Debt 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。 |
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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、个人船只、个人网络和其他各种保险。 |
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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。 |
1
汉诺威保险集团 |
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财务亮点 |
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Q4 |
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Q1 |
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Q2 |
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Q3 |
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Q4 |
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12月至年初 |
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12月至年初 |
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(单位:百万,不包括每股收益) |
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2020 |
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2021 |
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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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1,235.5 |
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$ |
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1,337.6 |
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$ |
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1,342.8 |
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$ |
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1,493.2 |
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$ |
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1,170.7 |
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5,154.5 |
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$ |
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5,344.3 |
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承保的净保费 |
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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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1,214.9 |
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4,598.5 |
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4,993.4 |
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净保费收入 |
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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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1,242.6 |
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4,527.4 |
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4,770.2 |
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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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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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$ |
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162.9 |
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484.7 |
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$ |
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432.3 |
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税后营业收入 |
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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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122.1 |
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355.0 |
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318.3 |
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持续经营收入 |
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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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162.8 |
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362.0 |
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420.0 |
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净收入 |
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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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163.5 |
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358.7 |
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418.7 |
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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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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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$ |
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3.38 |
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9.32 |
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$ |
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8.73 |
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持续经营收入 |
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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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4.51 |
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9.50 |
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11.52 |
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净收入 |
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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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4.53 |
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9.42 |
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11.49 |
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稀释加权平均流通股 |
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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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36.1 |
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38.1 |
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36.4 |
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基本加权平均流通股 |
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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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35.5 |
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37.7 |
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35.9 |
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资产负债表 |
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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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12月31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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2021 |
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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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13,443.7 |
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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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$ |
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14,254.3 |
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总亏损和亏损调整费用准备金 |
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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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6,447.6 |
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股东权益总额 |
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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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3,144.9 |
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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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2,774.1 |
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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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2,960.0 |
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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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2,588.5 |
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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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$ |
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2,720.0 |
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溢价与盈馀比率 |
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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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1.83:1 |
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每股账面价值 |
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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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$ |
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88.59 |
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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 |
|
$ |
|
76.20 |
|
|
$ |
|
77.50 |
|
|
$ |
|
79.71 |
|
|
$ |
|
79.84 |
|
|
|
|
$ |
|
83.38 |
|
|
|
|
|
|
|
|
|
|
每股有形账面价值(不包括商誉的账面总价值 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
和无形资产) |
|
$ |
|
82.55 |
|
|
$ |
|
78.78 |
|
|
$ |
|
82.76 |
|
|
$ |
|
81.54 |
|
|
|
|
$ |
|
83.08 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
流通股 |
|
|
|
36.4 |
|
|
|
|
36.2 |
|
|
|
|
35.8 |
|
|
|
|
35.6 |
|
|
|
|
|
|
35.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
债务/股本总额 |
|
|
|
24.4 |
% |
|
|
|
25.6 |
% |
|
|
|
24.8 |
% |
|
|
|
25.2 |
% |
|
|
|
|
|
24.8 |
% |
|
|
|
|
|
|
|
|
|
总债务/总资本 |
|
|
|
19.6 |
% |
|
|
|
20.4 |
% |
|
|
|
19.9 |
% |
|
|
|
20.1 |
% |
|
|
|
|
|
19.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2
汉诺威保险集团 |
|
|||||||||||||||||||||||||||
合并损益表 |
|
|||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至12月31日的三个月 |
|
|
截至十二月三十一日止的年度 |
|
||||||||||||||||||||||
(单位:百万) |
|
|
2021 |
|
|
|
2020 |
|
|
%变化 |
|
|
|
2021 |
|
|
|
2020 |
|
|
%变化 |
|
||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
赚取的保费 |
|
$ |
|
1,242.6 |
|
|
$ |
|
1,154.0 |
|
|
|
7.7 |
|
|
$ |
|
4,770.2 |
|
|
$ |
|
4,527.4 |
|
|
|
5.4 |
|
净投资收益 |
|
|
|
79.5 |
|
|
|
|
70.2 |
|
|
|
13.2 |
|
|
|
|
310.7 |
|
|
|
|
265.1 |
|
|
|
17.2 |
|
已实现和未实现投资净收益(亏损): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
销售和其他已实现净收益(亏损) |
|
|
|
(2.2 |
) |
|
|
|
5.8 |
|
|
N/M |
|
|
|
|
4.6 |
|
|
|
|
17.9 |
|
|
|
(74.3 |
) |
|
权益证券公允价值净变动 |
|
|
|
53.2 |
|
|
|
|
57.8 |
|
|
|
(8.0 |
) |
|
|
|
119.1 |
|
|
|
|
13.4 |
|
|
N/M |
|
|
投资减值回收(损失) |
|
|
|
(0.6 |
) |
|
|
|
1.6 |
|
|
N/M |
|
|
|
|
(0.7 |
) |
|
|
|
(26.3 |
) |
|
|
(97.3 |
) |
|
已实现和未实现投资净收益合计 |
|
|
|
50.4 |
|
|
|
|
65.2 |
|
|
|
(22.7 |
) |
|
|
|
123.0 |
|
|
|
|
5.0 |
|
|
N/M |
|
|
费用及其他收入 |
|
|
|
6.0 |
|
|
|
|
6.4 |
|
|
|
(6.2 |
) |
|
|
|
23.9 |
|
|
|
|
27.3 |
|
|
|
(12.5 |
) |
总收入 |
|
|
|
1,378.5 |
|
|
|
|
1,295.8 |
|
|
|
8.7 |
|
|
|
|
5,227.8 |
|
|
|
|
4,824.8 |
|
|
|
8.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损失和费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和亏损调整费用 |
|
|
|
763.8 |
|
|
|
|
695.3 |
|
|
|
9.9 |
|
|
|
|
3,134.2 |
|
|
|
|
2,845.2 |
|
|
|
10.2 |
|
递延收购成本摊销 |
|
|
|
254.2 |
|
|
|
|
239.1 |
|
|
|
6.3 |
|
|
|
|
982.7 |
|
|
|
|
951.0 |
|
|
|
3.3 |
|
利息支出 |
|
|
|
8.5 |
|
|
|
|
8.5 |
|
|
- |
|
|
|
|
34.0 |
|
|
|
|
37.1 |
|
|
|
(8.4 |
) |
|
偿债损失 |
|
|
|
- |
|
|
|
|
- |
|
|
- |
|
|
|
|
- |
|
|
|
|
6.2 |
|
|
N/M |
|
||
其他运营费用 |
|
|
|
147.2 |
|
|
|
|
145.9 |
|
|
|
0.9 |
|
|
|
|
555.6 |
|
|
|
|
540.5 |
|
|
|
2.8 |
|
总损失和费用 |
|
|
|
1,173.7 |
|
|
|
|
1,088.8 |
|
|
|
8.0 |
|
|
|
|
4,706.5 |
|
|
|
|
4,380.0 |
|
|
|
7.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前持续经营所得 |
|
|
|
204.8 |
|
|
|
|
207.0 |
|
|
|
(1.1 |
) |
|
|
|
521.3 |
|
|
|
|
444.8 |
|
|
|
17.2 |
|
所得税费用 |
|
|
|
42.0 |
|
|
|
|
41.1 |
|
|
|
2.2 |
|
|
|
|
101.3 |
|
|
|
|
82.8 |
|
|
|
22.3 |
|
|
|
|
\ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
持续经营收入 |
|
|
|
162.8 |
|
|
|
|
165.9 |
|
|
|
(1.9 |
) |
|
|
|
420.0 |
|
|
|
|
362.0 |
|
|
|
16.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
停产业务(税后净额): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
乔叟业务收入 |
|
|
|
1.2 |
|
|
|
|
0.4 |
|
|
N/M |
|
|
|
|
1.2 |
|
|
|
|
0.4 |
|
|
N/M |
|
||
停产寿险业务的亏损 |
|
|
|
(0.5 |
) |
|
|
|
(1.7 |
) |
|
|
(70.6 |
) |
|
|
|
(2.5 |
) |
|
|
|
(3.7 |
) |
|
|
(32.4 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净收入 |
|
$ |
|
163.5 |
|
|
$ |
|
164.6 |
|
|
|
(0.7 |
) |
|
$ |
|
418.7 |
|
|
$ |
|
358.7 |
|
|
|
16.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3
汉诺威保险集团 |
|
|||||||||||||
综合资产负债表 |
|
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
12月31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(摊销成本为7514.8美元和6945.6美元) |
|
$ |
|
7,723.9 |
|
|
$ |
|
7,454.4 |
|
|
|
3.6 |
|
股权证券,按公允价值计算 |
|
|
|
661.3 |
|
|
|
|
598.5 |
|
|
|
10.5 |
|
其他投资 |
|
|
|
767.4 |
|
|
|
|
793.2 |
|
|
|
(3.3 |
) |
总投资 |
|
|
|
9,152.6 |
|
|
|
|
8,846.1 |
|
|
|
3.5 |
|
现金和现金等价物 |
|
|
|
230.9 |
|
|
|
|
120.6 |
|
|
|
91.5 |
|
应计投资收益 |
|
|
|
49.8 |
|
|
|
|
51.2 |
|
|
|
(2.7 |
) |
保费和应收账款净额 |
|
|
|
1,469.5 |
|
|
|
|
1,339.3 |
|
|
|
9.7 |
|
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 |
|
|
|
1,907.3 |
|
|
|
|
1,874.3 |
|
|
|
1.8 |
|
递延收购成本 |
|
|
|
552.0 |
|
|
|
|
477.5 |
|
|
|
15.6 |
|
商誉 |
|
|
|
178.8 |
|
|
|
|
178.8 |
|
|
- |
|
|
其他资产 |
|
|
|
606.3 |
|
|
|
|
445.7 |
|
|
|
36.0 |
|
已停业业务的资产 |
|
|
|
107.1 |
|
|
|
|
110.2 |
|
|
|
(2.8 |
) |
总资产 |
|
$ |
|
14,254.3 |
|
|
$ |
|
13,443.7 |
|
|
|
6.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
负债和股东权益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
负债 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和亏损调整费用准备金 |
|
$ |
|
6,447.6 |
|
|
$ |
|
6,024.0 |
|
|
|
7.0 |
|
未赚取的保费 |
|
|
|
2,734.9 |
|
|
|
|
2,482.7 |
|
|
|
10.2 |
|
应付费用和税款 |
|
|
|
907.7 |
|
|
|
|
687.5 |
|
|
|
32.0 |
|
递延所得税负债 |
|
|
|
60.8 |
|
|
|
|
97.3 |
|
|
|
(37.5 |
) |
应付再保险费 |
|
|
|
55.1 |
|
|
|
|
48.4 |
|
|
|
13.8 |
|
债务 |
|
|
|
781.6 |
|
|
|
|
780.8 |
|
|
|
0.1 |
|
停业业务的负债 |
|
|
|
121.7 |
|
|
|
|
120.8 |
|
|
|
0.7 |
|
总负债 |
|
|
|
11,109.4 |
|
|
|
|
10,241.5 |
|
|
|
8.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
|
|
|
1,887.2 |
|
|
|
|
1,857.4 |
|
|
|
1.6 |
|
累计其他综合收益 |
|
|
|
122.2 |
|
|
|
|
372.5 |
|
|
|
(67.2 |
) |
留存收益 |
|
|
|
2,983.2 |
|
|
|
|
2,668.0 |
|
|
|
11.8 |
|
按成本计算的库存股(2,500万股和2,410万股) |
|
|
|
(1,848.3 |
) |
|
|
|
(1,696.3 |
) |
|
|
9.0 |
|
股东权益总额 |
|
|
|
3,144.9 |
|
|
|
|
3,202.2 |
|
|
|
(1.8 |
) |
总负债和股东权益 |
|
$ |
|
14,254.3 |
|
|
$ |
|
13,443.7 |
|
|
|
6.0 |
|
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12月31日的三个月 |
|
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2021 |
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|
2020 |
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|
商业广告 |
|
|
|
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) |
|
|
线条 |
|
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|
线条 |
|
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|
其他 |
|
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|
总计 |
|
|
|
线条 |
|
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|
线条 |
|
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|
其他 |
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总计 |
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|
|
|
|
|
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|
|
书面毛保费 |
|
$ |
|
830.9 |
|
|
$ |
|
339.8 |
|
|
|
$ |
|
- |
|
|
$ |
|
1,170.7 |
|
|
$ |
|
759.4 |
|
|
$ |
|
476.1 |
|
|
|
$ |
|
- |
|
|
|
|
$ |
|
1,235.5 |
|
|
|
|
|
|
|
|
|
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|
|
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|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
|
$ |
|
712.7 |
|
|
$ |
|
502.2 |
|
|
|
$ |
|
- |
|
|
$ |
|
1,214.9 |
|
|
$ |
|
650.1 |
|
|
$ |
|
462.0 |
|
|
|
$ |
|
- |
|
|
|
|
$ |
|
1,112.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
|
$ |
|
745.9 |
|
|
$ |
|
496.7 |
|
|
|
$ |
|
- |
|
|
$ |
|
1,242.6 |
|
|
$ |
|
683.7 |
|
|
$ |
|
470.3 |
|
|
|
$ |
|
- |
|
|
|
|
$ |
|
1,154.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
417.6 |
|
|
|
|
321.6 |
|
|
|
|
|
- |
|
|
|
|
739.2 |
|
|
|
|
385.5 |
|
|
|
|
280.7 |
|
|
|
|
|
- |
|
|
|
|
|
|
666.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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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 |
|
|
|
(11.4 |
) |
|
|
|
(3.0 |
) |
|
|
|
|
- |
|
|
|
|
(14.4 |
) |
|
|
|
(6.3 |
) |
|
|
|
- |
|
|
|
|
|
0.3 |
|
|
|
|
|
|
(6.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
15.5 |
|
|
|
|
23.5 |
|
|
|
|
|
- |
|
|
|
|
39.0 |
|
|
|
|
10.6 |
|
|
|
|
25.0 |
|
|
|
|
|
- |
|
|
|
|
|
|
35.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
|
- |
|
|
|
|
- |
|
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
(0.6 |
) |
|
|
|
0.1 |
|
|
|
|
|
- |
|
|
|
|
|
|
(0.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
|
421.7 |
|
|
|
|
342.1 |
|
|
|
|
|
- |
|
|
|
|
763.8 |
|
|
|
|
389.2 |
|
|
|
|
305.8 |
|
|
|
|
|
0.3 |
|
|
|
|
|
|
695.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
256.6 |
|
|
|
|
137.6 |
|
|
|
|
|
- |
|
|
|
|
394.2 |
|
|
|
|
238.6 |
|
|
|
|
136.1 |
|
|
|
|
|
- |
|
|
|
|
|
|
374.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
|
|
67.6 |
|
|
|
|
17.0 |
|
|
|
|
|
- |
|
|
|
|
84.6 |
|
|
|
|
55.9 |
|
|
|
|
28.4 |
|
|
|
|
|
(0.3 |
) |
|
|
|
|
|
84.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
|
53.7 |
|
|
|
|
22.9 |
|
|
|
|
|
2.9 |
|
|
|
|
79.5 |
|
|
|
|
46.6 |
|
|
|
|
20.4 |
|
|
|
|
|
3.2 |
|
|
|
|
|
|
70.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
2.3 |
|
|
|
|
2.6 |
|
|
|
|
|
1.1 |
|
|
|
|
6.0 |
|
|
|
|
2.4 |
|
|
|
|
2.6 |
|
|
|
|
|
1.4 |
|
|
|
|
|
|
6.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
|
(2.7 |
) |
|
|
|
(1.6 |
) |
|
|
|
|
(2.9 |
) |
|
|
|
(7.2 |
) |
|
|
|
(1.7 |
) |
|
|
|
(0.6 |
) |
|
|
|
|
(8.0 |
) |
|
|
|
|
|
(10.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入(亏损) |
|
$ |
|
120.9 |
|
|
$ |
|
40.9 |
|
|
|
$ |
|
1.1 |
|
|
$ |
|
162.9 |
|
|
$ |
|
103.2 |
|
|
$ |
|
50.8 |
|
|
|
$ |
|
(3.7 |
) |
|
|
|
$ |
|
150.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
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|
|
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|
|
|
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|
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|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
55.9 |
% |
|
|
|
64.8 |
% |
|
|
|
N/M |
|
|
|
|
59.6 |
% |
|
|
|
56.3 |
% |
|
|
|
59.7 |
% |
|
|
|
N/M |
|
|
|
|
|
|
57.8 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
(1.5 |
)% |
|
|
|
(0.6 |
)% |
|
|
|
N/M |
|
|
|
|
(1.2 |
)% |
|
|
|
(0.9 |
)% |
|
|
|
- |
|
|
|
|
N/M |
|
|
|
|
|
|
(0.5 |
)% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
2.1 |
% |
|
|
|
4.7 |
% |
|
|
|
N/M |
|
|
|
|
3.1 |
% |
|
|
|
1.6 |
% |
|
|
|
5.3 |
% |
|
|
|
N/M |
|
|
|
|
|
|
3.0 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
- |
|
|
|
- |
|
|
|
|
N/M |
|
|
|
- |
|
|
|
|
(0.1 |
)% |
|
|
|
- |
|
|
|
|
N/M |
|
|
|
|
|
|
- |
|
|||||
总损耗和LAE比率 |
|
|
|
56.5 |
% |
|
|
|
68.9 |
% |
|
|
|
N/M |
|
|
|
|
61.5 |
% |
|
|
|
56.9 |
% |
|
|
|
65.0 |
% |
|
|
|
N/M |
|
|
|
|
|
|
60.3 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
34.2 |
% |
|
|
|
27.3 |
% |
|
|
|
N/M |
|
|
|
|
31.4 |
% |
|
|
|
34.6 |
% |
|
|
|
28.4 |
% |
|
|
|
N/M |
|
|
|
|
|
|
32.1 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
90.7 |
% |
|
|
|
96.2 |
% |
|
|
|
N/M |
|
|
|
|
92.9 |
% |
|
|
|
91.5 |
% |
|
|
|
93.4 |
% |
|
|
|
N/M |
|
|
|
|
|
|
92.4 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
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|
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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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|
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|
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|
|
|
|
|
|
|
截至十二月三十一日止的年度 |
|
||||||||||||||||||||||||||||||||||||||
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|
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|
|
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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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|
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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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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
书面毛保费 |
$ |
|
3,448.9 |
|
|
$ |
|
1,895.4 |
|
|
$ |
|
- |
|
|
$ |
|
5,344.3 |
|
|
$ |
|
3,201.0 |
|
|
$ |
|
1,953.5 |
|
|
$ |
|
- |
|
|
$ |
|
5,154.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
$ |
|
2,983.7 |
|
|
$ |
|
2,009.7 |
|
|
$ |
|
- |
|
|
$ |
|
4,993.4 |
|
|
$ |
|
2,733.1 |
|
|
$ |
|
1,865.4 |
|
|
$ |
|
- |
|
|
$ |
|
4,598.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
$ |
|
2,840.8 |
|
|
$ |
|
1,929.4 |
|
|
$ |
|
- |
|
|
$ |
|
4,770.2 |
|
|
$ |
|
2,683.3 |
|
|
$ |
|
1,844.1 |
|
|
$ |
|
- |
|
|
$ |
|
4,527.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
1,617.9 |
|
|
|
|
1,169.8 |
|
|
|
|
- |
|
|
|
|
2,787.7 |
|
|
|
|
1,534.1 |
|
|
|
|
1,039.1 |
|
|
|
|
0.1 |
|
|
|
|
2,573.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(34.0 |
) |
|
|
|
(23.1 |
) |
|
|
|
1.0 |
|
|
|
|
(56.1 |
) |
|
|
|
(19.0 |
) |
|
|
|
(0.7 |
) |
|
|
|
4.2 |
|
|
|
|
(15.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
239.3 |
|
|
|
|
178.3 |
|
|
|
|
- |
|
|
|
|
417.6 |
|
|
|
|
151.0 |
|
|
|
|
152.8 |
|
|
|
|
- |
|
|
|
|
303.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
(12.0 |
) |
|
|
|
(3.0 |
) |
|
|
|
- |
|
|
|
|
(15.0 |
) |
|
|
|
(18.8 |
) |
|
|
|
1.7 |
|
|
|
|
- |
|
|
|
|
(17.1 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
1,811.2 |
|
|
|
|
1,322.0 |
|
|
|
|
1.0 |
|
|
|
|
3,134.2 |
|
|
|
|
1,647.3 |
|
|
|
|
1,192.9 |
|
|
|
|
4.3 |
|
|
|
|
2,844.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
967.7 |
|
|
|
|
542.3 |
|
|
|
|
- |
|
|
|
|
1,510.0 |
|
|
|
|
929.7 |
|
|
|
|
518.3 |
|
|
|
|
- |
|
|
|
|
1,448.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
|
61.9 |
|
|
|
|
65.1 |
|
|
|
|
(1.0 |
) |
|
|
|
126.0 |
|
|
|
|
106.3 |
|
|
|
|
132.9 |
|
|
|
|
(4.3 |
) |
|
|
|
234.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
209.4 |
|
|
|
|
89.4 |
|
|
|
|
11.9 |
|
|
|
|
310.7 |
|
|
|
|
175.3 |
|
|
|
|
76.7 |
|
|
|
|
13.1 |
|
|
|
|
265.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
9.7 |
|
|
|
|
9.7 |
|
|
|
|
4.5 |
|
|
|
|
23.9 |
|
|
|
|
9.7 |
|
|
|
|
10.6 |
|
|
|
|
7.0 |
|
|
|
|
27.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
(11.1 |
) |
|
|
|
(5.7 |
) |
|
|
|
(11.5 |
) |
|
|
|
(28.3 |
) |
|
|
|
(15.9 |
) |
|
|
|
(7.7 |
) |
|
|
|
(19.0 |
) |
|
|
|
(42.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入(亏损) |
$ |
|
269.9 |
|
|
$ |
|
158.5 |
|
|
$ |
|
3.9 |
|
|
$ |
|
432.3 |
|
|
$ |
|
275.4 |
|
|
$ |
|
212.5 |
|
|
$ |
|
(3.2 |
) |
|
$ |
|
484.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
57.0 |
% |
|
|
|
60.6 |
% |
|
|
N/M |
|
|
|
|
58.5 |
% |
|
|
|
57.2 |
% |
|
|
|
56.3 |
% |
|
|
N/M |
|
|
|
|
56.8 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
(1.2 |
)% |
|
|
|
(1.2 |
)% |
|
|
N/M |
|
|
|
|
(1.2 |
)% |
|
|
|
(0.7 |
)% |
|
|
|
- |
|
|
|
N/M |
|
|
|
|
(0.3 |
)% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
8.4 |
% |
|
|
|
9.3 |
% |
|
|
N/M |
|
|
|
|
8.7 |
% |
|
|
|
5.6 |
% |
|
|
|
8.3 |
% |
|
|
N/M |
|
|
|
|
6.7 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
(0.4 |
)% |
|
|
|
(0.2 |
)% |
|
|
N/M |
|
|
|
|
(0.3 |
)% |
|
|
|
(0.7 |
)% |
|
|
|
0.1 |
% |
|
|
N/M |
|
|
|
|
(0.4 |
)% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总损耗和LAE比率 |
|
|
63.8 |
% |
|
|
|
68.5 |
% |
|
|
N/M |
|
|
|
|
65.7 |
% |
|
|
|
61.4 |
% |
|
|
|
64.7 |
% |
|
|
N/M |
|
|
|
|
62.8 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
33.8 |
% |
|
|
|
27.7 |
% |
|
|
N/M |
|
|
|
|
31.3 |
% |
|
|
|
34.4 |
% |
|
|
|
27.7 |
% |
|
|
N/M |
|
|
|
|
31.6 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
97.6 |
% |
|
|
|
96.2 |
% |
|
|
N/M |
|
|
|
|
97.0 |
% |
|
|
|
95.8 |
% |
|
|
|
92.4 |
% |
|
|
N/M |
|
|
|
|
94.4 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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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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|
|
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|
|
|
|
|
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|
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|
|
|
|
|
|
|
整合 |
|
||||||||||||||||||||||||||||
|
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|
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|
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|
|
|
|
|
|
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|
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|
|
|
|
|
|
|
|
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|
|
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|
|
|
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|
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|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
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|
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|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
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|
|
|
|
Q4 |
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
Q4 |
|
|
12月至年初 |
|
|
12月至年初 |
|
|||||||
(单位:百万,百分比数据除外) |
|
|
2020 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2020 |
|
|
2021 |
|
|||||||
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
书面毛保费 |
|
$ |
|
1,235.5 |
|
$ |
|
1,337.6 |
|
$ |
|
1,342.8 |
|
$ |
|
1,493.2 |
|
$ |
|
1,170.7 |
|
$ |
|
5,154.5 |
|
$ |
|
5,344.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
|
$ |
|
1,112.1 |
|
$ |
|
1,196.1 |
|
$ |
|
1,207.2 |
|
$ |
|
1,375.2 |
|
$ |
|
1,214.9 |
|
$ |
|
4,598.5 |
|
$ |
|
4,993.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
|
$ |
|
1,154.0 |
|
$ |
|
1,161.8 |
|
$ |
|
1,179.8 |
|
$ |
|
1,186.0 |
|
$ |
|
1,242.6 |
|
$ |
|
4,527.4 |
|
$ |
|
4,770.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
666.2 |
|
|
|
656.2 |
|
|
|
680.9 |
|
|
|
711.4 |
|
|
|
739.2 |
|
|
|
2,573.3 |
|
|
|
2,787.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
(6.0 |
) |
|
|
(8.2 |
) |
|
|
(12.6 |
) |
|
|
(20.9 |
) |
|
|
(14.4 |
) |
|
|
(15.5 |
) |
|
|
(56.1 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
35.6 |
|
|
|
133.3 |
|
|
|
91.8 |
|
|
|
153.5 |
|
|
|
39.0 |
|
|
|
303.8 |
|
|
|
417.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
|
(0.5 |
) |
|
|
- |
|
|
|
(15.0 |
) |
|
|
- |
|
|
|
- |
|
|
|
(17.1 |
) |
|
|
(15.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
|
695.3 |
|
|
|
781.3 |
|
|
|
745.1 |
|
|
|
844.0 |
|
|
|
763.8 |
|
|
|
2,844.5 |
|
|
|
3,134.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
374.7 |
|
|
|
371.2 |
|
|
|
371.7 |
|
|
|
372.9 |
|
|
|
394.2 |
|
|
|
1,448.0 |
|
|
|
1,510.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
$ |
|
84.0 |
|
$ |
|
9.3 |
|
$ |
|
63.0 |
|
$ |
|
(30.9 |
) |
$ |
|
84.6 |
|
$ |
|
234.9 |
|
$ |
|
126.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
57.8 |
% |
|
|
56.4 |
% |
|
|
57.8 |
% |
|
|
60.1 |
% |
|
|
59.6 |
% |
|
|
56.8 |
% |
|
|
58.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
(0.5 |
)% |
|
|
(0.7 |
)% |
|
|
(1.1 |
)% |
|
|
(1.8 |
)% |
|
|
(1.2 |
)% |
|
|
(0.3 |
)% |
|
|
(1.2 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
3.0 |
% |
|
|
11.5 |
% |
|
|
7.8 |
% |
|
|
12.9 |
% |
|
|
3.1 |
% |
|
|
6.7 |
% |
|
|
8.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
|
- |
|
|
- |
|
|
|
(1.3 |
)% |
|
- |
|
|
|
- |
|
|
|
(0.4 |
)% |
|
|
(0.3 |
)% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总损耗和LAE比率 |
|
|
|
60.3 |
% |
|
|
67.2 |
% |
|
|
63.2 |
% |
|
|
71.2 |
% |
|
|
61.5 |
% |
|
|
62.8 |
% |
|
|
65.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
32.1 |
% |
|
|
31.6 |
% |
|
|
31.2 |
% |
|
|
31.1 |
% |
|
|
31.4 |
% |
|
|
31.6 |
% |
|
|
31.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
92.4 |
% |
|
|
98.8 |
% |
|
|
94.4 |
% |
|
|
102.3 |
% |
|
|
92.9 |
% |
|
|
94.4 |
% |
|
|
97.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率,不包括巨灾损失 |
|
|
|
89.4 |
% |
|
|
87.3 |
% |
|
|
87.9 |
% |
|
|
89.4 |
% |
|
|
89.8 |
% |
|
|
88.1 |
% |
|
|
88.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年综合比率,不包括巨灾损失 |
|
|
|
89.9 |
% |
|
|
88.0 |
% |
|
|
89.0 |
% |
|
|
91.2 |
% |
|
|
91.0 |
% |
|
|
88.4 |
% |
|
|
89.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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12月31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 |
$ |
|
222.5 |
|
$ |
|
79.2 |
|
$ |
|
85.4 |
|
$ |
|
325.6 |
|
$ |
|
712.7 |
|
|
$ |
|
209.1 |
|
$ |
|
79.6 |
|
$ |
|
79.2 |
|
$ |
|
282.2 |
|
$ |
|
650.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
$ |
|
242.7 |
|
$ |
|
87.5 |
|
$ |
|
91.6 |
|
$ |
|
324.1 |
|
$ |
|
745.9 |
|
|
$ |
|
230.3 |
|
$ |
|
84.5 |
|
$ |
|
83.8 |
|
$ |
|
285.1 |
|
$ |
|
683.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
139.3 |
|
|
|
59.0 |
|
|
|
54.6 |
|
|
|
164.7 |
|
|
|
417.6 |
|
|
|
|
130.1 |
|
|
|
54.5 |
|
|
|
50.4 |
|
|
|
150.5 |
|
|
|
385.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(1.4 |
) |
|
|
0.4 |
|
|
|
(10.0 |
) |
|
|
(0.4 |
) |
|
|
(11.4 |
) |
|
|
|
0.9 |
|
|
|
4.8 |
|
|
|
(10.4 |
) |
|
|
(1.6 |
) |
|
|
(6.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
8.1 |
|
|
|
1.1 |
|
|
|
- |
|
|
|
6.3 |
|
|
|
15.5 |
|
|
|
|
3.5 |
|
|
|
0.6 |
|
|
|
- |
|
|
|
6.5 |
|
|
|
10.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
(0.1 |
) |
|
|
(0.3 |
) |
|
|
- |
|
|
|
0.4 |
|
|
|
- |
|
|
|
|
(0.1 |
) |
|
|
- |
|
|
|
- |
|
|
|
(0.5 |
) |
|
|
(0.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
145.9 |
|
|
|
60.2 |
|
|
|
44.6 |
|
|
|
171.0 |
|
|
|
421.7 |
|
|
|
|
134.4 |
|
|
|
59.9 |
|
|
|
40.0 |
|
|
|
154.9 |
|
|
|
389.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
256.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
238.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承销利润 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
67.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
55.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
53.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
46.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(2.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
120.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
103.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
57.4 |
% |
|
|
67.4 |
% |
|
|
59.6 |
% |
|
|
50.8 |
% |
|
|
55.9 |
% |
|
|
|
56.5 |
% |
|
|
64.5 |
% |
|
|
60.1 |
% |
|
|
52.8 |
% |
|
|
56.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(0.6 |
)% |
|
|
0.5 |
% |
|
|
(10.9 |
)% |
|
|
(0.1 |
)% |
|
|
(1.5 |
)% |
|
|
|
0.4 |
% |
|
|
5.7 |
% |
|
|
(12.4 |
)% |
|
|
(0.6 |
)% |
|
|
(0.9 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
3.3 |
% |
|
|
1.2 |
% |
|
|
- |
|
|
|
2.0 |
% |
|
|
2.1 |
% |
|
|
|
1.5 |
% |
|
|
0.7 |
% |
|
|
- |
|
|
|
2.3 |
% |
|
|
1.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
- |
|
|
|
(0.3 |
)% |
|
|
- |
|
|
|
0.1 |
% |
|
|
- |
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
(0.2 |
)% |
|
|
(0.1 |
)% |
总损耗和LAE比率 |
|
|
60.1 |
% |
|
|
68.8 |
% |
|
|
48.7 |
% |
|
|
52.8 |
% |
|
|
56.5 |
% |
|
|
|
58.4 |
% |
|
|
70.9 |
% |
|
|
47.7 |
% |
|
|
54.3 |
% |
|
|
56.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
34.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
34.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
90.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
91.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
现行政策的变化 |
|
|
3.8 |
% |
|
|
(4.1 |
)% |
|
|
7.8 |
% |
|
|
5.0 |
% |
|
|
4.3 |
% |
|
|
|
2.0 |
% |
|
|
(7.7 |
)% |
|
|
7.2 |
% |
|
|
0.2 |
% |
|
|
1.2 |
% |
|
|
|
- |
|
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
留着 |
|
|
88.5 |
% |
|
|
83.2 |
% |
|
|
84.8 |
% |
|
N/M |
|
|
|
86.7 |
% |
|
|
|
86.8 |
% |
|
|
81.9 |
% |
|
|
84.2 |
% |
|
N/M |
|
|
|
85.3 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至十二月三十一日止的年度 |
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
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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 |
$ |
|
978.6 |
|
$ |
|
349.0 |
|
$ |
|
354.7 |
|
$ |
|
1,301.4 |
|
$ |
|
2,983.7 |
|
|
$ |
|
921.7 |
|
$ |
|
336.0 |
|
$ |
|
320.3 |
|
$ |
|
1,155.1 |
|
$ |
|
2,733.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
$ |
|
951.9 |
|
$ |
|
345.7 |
|
$ |
|
346.0 |
|
$ |
|
1,197.2 |
|
$ |
|
2,840.8 |
|
|
$ |
|
909.2 |
|
$ |
|
335.3 |
|
$ |
|
317.1 |
|
$ |
|
1,121.7 |
|
$ |
|
2,683.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
563.7 |
|
|
|
218.1 |
|
|
|
206.1 |
|
|
|
630.0 |
|
|
|
1,617.9 |
|
|
|
|
525.0 |
|
|
|
213.7 |
|
|
|
192.9 |
|
|
|
602.5 |
|
|
|
1,534.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(4.7 |
) |
|
|
3.4 |
|
|
|
(23.1 |
) |
|
|
(9.6 |
) |
|
|
(34.0 |
) |
|
|
|
14.2 |
|
|
|
15.5 |
|
|
|
(36.0 |
) |
|
|
(12.7 |
) |
|
|
(19.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
174.9 |
|
|
|
2.6 |
|
|
|
- |
|
|
|
61.8 |
|
|
|
239.3 |
|
|
|
|
99.1 |
|
|
|
2.1 |
|
|
|
- |
|
|
|
49.8 |
|
|
|
151.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
(8.3 |
) |
|
|
(1.3 |
) |
|
|
- |
|
|
|
(2.4 |
) |
|
|
(12.0 |
) |
|
|
|
(14.4 |
) |
|
|
(0.1 |
) |
|
|
- |
|
|
|
(4.3 |
) |
|
|
(18.8 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
725.6 |
|
|
|
222.8 |
|
|
|
183.0 |
|
|
|
679.8 |
|
|
|
1,811.2 |
|
|
|
|
623.9 |
|
|
|
231.2 |
|
|
|
156.9 |
|
|
|
635.3 |
|
|
|
1,647.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
967.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
929.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承销利润 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
61.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
106.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
209.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
175.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
9.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
9.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(11.1 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(15.9 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
269.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
275.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
59.2 |
% |
|
|
63.0 |
% |
|
|
59.6 |
% |
|
|
52.6 |
% |
|
|
57.0 |
% |
|
|
|
57.7 |
% |
|
|
63.8 |
% |
|
|
60.9 |
% |
|
|
53.6 |
% |
|
|
57.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(0.5 |
)% |
|
|
1.0 |
% |
|
|
(6.7 |
)% |
|
|
(0.8 |
)% |
|
|
(1.2 |
)% |
|
|
|
1.6 |
% |
|
|
4.6 |
% |
|
|
(11.4 |
)% |
|
|
(1.1 |
)% |
|
|
(0.7 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
18.4 |
% |
|
|
0.8 |
% |
|
|
- |
|
|
|
5.2 |
% |
|
|
8.4 |
% |
|
|
|
10.9 |
% |
|
|
0.6 |
% |
|
|
- |
|
|
|
4.5 |
% |
|
|
5.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
(0.9 |
)% |
|
|
(0.4 |
)% |
|
|
- |
|
|
|
(0.2 |
)% |
|
|
(0.4 |
)% |
|
|
|
(1.6 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(0.4 |
)% |
|
|
(0.7 |
)% |
总损耗和LAE比率 |
|
|
76.2 |
% |
|
|
64.4 |
% |
|
|
52.9 |
% |
|
|
56.8 |
% |
|
|
63.8 |
% |
|
|
|
68.6 |
% |
|
|
69.0 |
% |
|
|
49.5 |
% |
|
|
56.6 |
% |
|
|
61.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
33.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
34.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
97.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
95.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
现行政策的变化 |
|
|
3.8 |
% |
|
|
(4.1 |
)% |
|
|
7.8 |
% |
|
|
5.0 |
% |
|
|
4.3 |
% |
|
|
|
2.0 |
% |
|
|
(7.7 |
)% |
|
|
7.2 |
% |
|
|
0.2 |
% |
|
|
1.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
留着 |
|
|
88.3 |
% |
|
|
83.7 |
% |
|
|
84.5 |
% |
|
N/M |
|
|
|
86.7 |
% |
|
|
|
88.3 |
% |
|
|
81.9 |
% |
|
|
83.1 |
% |
|
N/M |
|
|
|
86.2 |
% |
9
汉诺威保险集团 |
|
||||||||||||||||||||||||||||
GAAP承保信息及相关比率 |
|
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
商业线路 |
|
||||||||||||||||||||||||||||
|
|
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|
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q4 |
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
Q4 |
|
|
12月至年初 |
|
|
12月至年初 |
|
|||||||
(单位:百万,百分比数据除外) |
|
|
2020 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2020 |
|
|
2021 |
|
|||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
书面毛保费 |
|
$ |
|
759.4 |
|
$ |
|
884.0 |
|
$ |
|
805.7 |
|
$ |
|
928.3 |
|
$ |
|
830.9 |
|
$ |
|
3,201.0 |
|
$ |
|
3,448.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
|
$ |
|
650.1 |
|
$ |
|
757.4 |
|
$ |
|
686.8 |
|
$ |
|
826.8 |
|
$ |
|
712.7 |
|
$ |
|
2,733.1 |
|
$ |
|
2,983.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
|
$ |
|
683.7 |
|
$ |
|
692.9 |
|
$ |
|
703.4 |
|
$ |
|
698.6 |
|
$ |
|
745.9 |
|
$ |
|
2,683.3 |
|
$ |
|
2,840.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
385.5 |
|
|
|
388.9 |
|
|
|
403.9 |
|
|
|
407.5 |
|
|
|
417.6 |
|
|
|
1,534.1 |
|
|
|
1,617.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
(6.3 |
) |
|
|
(3.3 |
) |
|
|
(7.9 |
) |
|
|
(11.4 |
) |
|
|
(11.4 |
) |
|
|
(19.0 |
) |
|
|
(34.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
10.6 |
|
|
|
118.8 |
|
|
|
30.2 |
|
|
|
74.8 |
|
|
|
15.5 |
|
|
|
151.0 |
|
|
|
239.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
|
(0.6 |
) |
|
|
- |
|
|
|
(12.0 |
) |
|
|
- |
|
|
|
- |
|
|
|
(18.8 |
) |
|
|
(12.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
|
389.2 |
|
|
|
504.4 |
|
|
|
414.2 |
|
|
|
470.9 |
|
|
|
421.7 |
|
|
|
1,647.3 |
|
|
|
1,811.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
238.6 |
|
|
|
237.8 |
|
|
|
235.4 |
|
|
|
237.9 |
|
|
|
256.6 |
|
|
|
929.7 |
|
|
|
967.7 |
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
$ |
|
55.9 |
|
$ |
|
(49.3 |
) |
$ |
|
53.8 |
|
$ |
|
(10.2 |
) |
$ |
|
67.6 |
|
$ |
|
106.3 |
|
$ |
|
61.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
56.3 |
% |
|
|
56.2 |
% |
|
|
57.4 |
% |
|
|
58.3 |
% |
|
|
55.9 |
% |
|
|
57.2 |
% |
|
|
57.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
(0.9 |
)% |
|
|
(0.5 |
)% |
|
|
(1.1 |
)% |
|
|
(1.6 |
)% |
|
|
(1.5 |
)% |
|
|
(0.7 |
)% |
|
|
(1.2 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
1.6 |
% |
|
|
17.1 |
% |
|
|
4.3 |
% |
|
|
10.7 |
% |
|
|
2.1 |
% |
|
|
5.6 |
% |
|
|
8.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年有利巨灾损失发展 |
|
|
|
(0.1 |
)% |
|
|
- |
|
|
|
(1.7 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(0.7 |
)% |
|
|
(0.4 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总损耗和LAE比率 |
|
|
|
56.9 |
% |
|
|
72.8 |
% |
|
|
58.9 |
% |
|
|
67.4 |
% |
|
|
56.5 |
% |
|
|
61.4 |
% |
|
|
63.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
34.6 |
% |
|
|
34.1 |
% |
|
|
33.2 |
% |
|
|
33.8 |
% |
|
|
34.2 |
% |
|
|
34.4 |
% |
|
|
33.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
91.5 |
% |
|
|
106.9 |
% |
|
|
92.1 |
% |
|
|
101.2 |
% |
|
|
90.7 |
% |
|
|
95.8 |
% |
|
|
97.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率,不包括巨灾损失 |
|
|
|
90.0 |
% |
|
|
89.8 |
% |
|
|
89.5 |
% |
|
|
90.5 |
% |
|
|
88.6 |
% |
|
|
90.9 |
% |
|
|
89.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年综合比率,不包括巨灾损失 |
|
|
|
90.9 |
% |
|
|
90.3 |
% |
|
|
90.6 |
% |
|
|
92.1 |
% |
|
|
90.1 |
% |
|
|
91.6 |
% |
|
|
90.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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12月31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 |
|
$ |
|
300.3 |
|
$ |
|
181.9 |
|
$ |
|
20.0 |
|
$ |
|
502.2 |
|
|
$ |
|
283.7 |
|
$ |
|
162.4 |
|
$ |
|
15.9 |
|
$ |
|
462.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
|
$ |
|
305.3 |
|
$ |
|
173.2 |
|
$ |
|
18.2 |
|
$ |
|
496.7 |
|
|
$ |
|
293.4 |
|
$ |
|
162.0 |
|
$ |
|
14.9 |
|
$ |
|
470.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
226.3 |
|
|
|
87.7 |
|
|
|
7.6 |
|
|
|
321.6 |
|
|
|
|
197.1 |
|
|
|
77.7 |
|
|
|
5.9 |
|
|
|
280.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
|
(4.4 |
) |
|
|
1.9 |
|
|
|
(0.5 |
) |
|
|
(3.0 |
) |
|
|
|
1.7 |
|
|
|
(1.1 |
) |
|
|
(0.6 |
) |
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
2.5 |
|
|
|
20.5 |
|
|
|
0.5 |
|
|
|
23.5 |
|
|
|
|
1.0 |
|
|
|
23.8 |
|
|
|
0.2 |
|
|
|
25.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
|
(0.3 |
) |
|
|
0.3 |
|
|
|
- |
|
|
|
- |
|
|
|
|
(0.1 |
) |
|
|
0.1 |
|
|
|
0.1 |
|
|
|
0.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
|
224.1 |
|
|
|
110.4 |
|
|
|
7.6 |
|
|
|
342.1 |
|
|
|
|
199.7 |
|
|
|
100.5 |
|
|
|
5.6 |
|
|
|
305.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
137.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
136.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承销利润 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
17.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
28.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
22.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
20.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(0.6 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
40.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
50.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
74.1 |
% |
|
|
50.6 |
% |
|
|
41.8 |
% |
|
|
64.8 |
% |
|
|
|
67.2 |
% |
|
|
47.9 |
% |
|
|
39.6 |
% |
|
|
59.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
|
(1.4 |
)% |
|
|
1.1 |
% |
|
|
(2.7 |
)% |
|
|
(0.6 |
)% |
|
|
|
0.6 |
% |
|
|
(0.7 |
)% |
|
|
(4.0 |
)% |
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
0.8 |
% |
|
|
11.8 |
% |
|
|
2.7 |
% |
|
|
4.7 |
% |
|
|
|
0.3 |
% |
|
|
14.7 |
% |
|
|
1.3 |
% |
|
|
5.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
|
(0.1 |
)% |
|
|
0.2 |
% |
|
|
- |
|
|
|
- |
|
|
|
|
- |
|
|
|
0.1 |
% |
|
|
0.7 |
% |
|
|
- |
|
|
|
|
|
73.4 |
% |
|
|
63.7 |
% |
|
|
41.8 |
% |
|
|
68.9 |
% |
|
|
|
68.1 |
% |
|
|
62.0 |
% |
|
|
37.6 |
% |
|
|
65.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
27.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
28.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
96.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
93.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
现行政策的变化 |
|
|
|
6.1 |
% |
|
|
6.0 |
% |
|
|
40.5 |
% |
|
|
8.7 |
% |
|
|
|
(2.8 |
)% |
|
|
(1.1 |
)% |
|
|
40.7 |
% |
|
|
0.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
留着(1) |
|
|
|
88.1 |
% |
|
|
89.4 |
% |
|
N/M |
|
|
|
88.8 |
% |
|
|
|
81.8 |
% |
|
|
83.4 |
% |
|
N/M |
|
|
|
82.7 |
% |
11
汉诺威保险集团 |
|
||||||||||||||||||||||||||||||||
GAAP承保和营业收入信息及比率 |
|
||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
个人专线 |
|
||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至十二月三十一日止的年度 |
|
||||||||||||||||||||||||||||||||
|
|
|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
$ |
|
1,230.4 |
|
$ |
|
704.1 |
|
$ |
|
75.2 |
|
$ |
|
2,009.7 |
|
|
$ |
|
1,151.5 |
|
$ |
|
653.4 |
|
$ |
|
60.5 |
|
$ |
|
1,865.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
$ |
|
1,193.8 |
|
$ |
|
668.8 |
|
$ |
|
66.8 |
|
$ |
|
1,929.4 |
|
|
$ |
|
1,145.8 |
|
$ |
|
642.9 |
|
$ |
|
55.4 |
|
$ |
|
1,844.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
792.5 |
|
|
|
349.0 |
|
|
|
28.3 |
|
|
|
1,169.8 |
|
|
|
|
703.1 |
|
|
|
315.3 |
|
|
|
20.7 |
|
|
|
1,039.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(23.5 |
) |
|
|
1.2 |
|
|
|
(0.8 |
) |
|
|
(23.1 |
) |
|
|
|
4.5 |
|
|
|
(0.6 |
) |
|
|
(4.6 |
) |
|
|
(0.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
20.0 |
|
|
|
156.6 |
|
|
|
1.7 |
|
|
|
178.3 |
|
|
|
|
10.2 |
|
|
|
141.4 |
|
|
|
1.2 |
|
|
|
152.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
(1.3 |
) |
|
|
(1.8 |
) |
|
|
0.1 |
|
|
|
(3.0 |
) |
|
|
|
0.7 |
|
|
|
0.8 |
|
|
|
0.2 |
|
|
|
1.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
787.7 |
|
|
|
505.0 |
|
|
|
29.3 |
|
|
|
1,322.0 |
|
|
|
|
718.5 |
|
|
|
456.9 |
|
|
|
17.5 |
|
|
|
1,192.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
542.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
518.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承销利润 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
65.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
132.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
89.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
76.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
9.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
10.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(5.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(7.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入 |
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
158.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
212.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
66.4 |
% |
|
|
52.2 |
% |
|
|
42.4 |
% |
|
|
60.6 |
% |
|
|
|
61.3 |
% |
|
|
49.1 |
% |
|
|
37.4 |
% |
|
|
56.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一个事故年不利于(有利)储量开发,不包括巨灾损失 |
|
|
(2.0 |
)% |
|
|
0.2 |
% |
|
|
(1.2 |
)% |
|
|
(1.2 |
)% |
|
|
|
0.4 |
% |
|
|
(0.1 |
)% |
|
|
(8.3 |
)% |
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
1.7 |
% |
|
|
23.4 |
% |
|
|
2.6 |
% |
|
|
9.3 |
% |
|
|
|
0.9 |
% |
|
|
22.0 |
% |
|
|
2.1 |
% |
|
|
8.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
(0.1 |
)% |
|
|
(0.3 |
)% |
|
|
0.1 |
% |
|
|
(0.2 |
)% |
|
|
|
0.1 |
% |
|
|
0.1 |
% |
|
|
0.4 |
% |
|
|
0.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总损耗和LAE比率 |
|
|
66.0 |
% |
|
|
75.5 |
% |
|
|
43.9 |
% |
|
|
68.5 |
% |
|
|
|
62.7 |
% |
|
|
71.1 |
% |
|
|
31.6 |
% |
|
|
64.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
27.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
27.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
96.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
92.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
现行政策的变化 |
|
|
6.1 |
% |
|
|
6.0 |
% |
|
|
40.5 |
% |
|
|
8.7 |
% |
|
|
|
(2.8 |
)% |
|
|
(1.1 |
)% |
|
|
40.7 |
% |
|
|
0.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
留着(1) |
|
|
86.6 |
% |
|
|
87.7 |
% |
|
N/M |
|
|
|
87.2 |
% |
|
|
|
83.5 |
% |
|
|
84.7 |
% |
|
N/M |
|
|
|
84.2 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
12
汉诺威保险集团 |
|
||||||||||||||||||||||||||||
GAAP承保信息及相关比率 |
|
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
个人专线 |
|
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q4 |
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
Q4 |
|
|
12月至年初 |
|
|
12月至年初 |
|
|||||||
(单位:百万,百分比数据除外) |
|
|
2020 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2020 |
|
|
2021 |
|
|||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
书面毛保费 |
|
$ |
|
476.1 |
|
$ |
|
453.6 |
|
$ |
|
537.1 |
|
$ |
|
564.9 |
|
$ |
|
339.8 |
|
$ |
|
1,953.5 |
|
$ |
|
1,895.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
承保的净保费 |
|
$ |
|
462.0 |
|
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
502.2 |
|
$ |
|
1,865.4 |
|
$ |
|
2,009.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费收入 |
|
$ |
|
470.3 |
|
$ |
|
468.9 |
|
$ |
|
476.4 |
|
$ |
|
487.4 |
|
$ |
|
496.7 |
|
$ |
|
1,844.1 |
|
$ |
|
1,929.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
280.7 |
|
|
|
267.3 |
|
|
|
277.0 |
|
|
|
303.9 |
|
|
|
321.6 |
|
|
|
1,039.1 |
|
|
|
1,169.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
- |
|
|
|
(5.2 |
) |
|
|
(5.0 |
) |
|
|
(9.9 |
) |
|
|
(3.0 |
) |
|
|
(0.7 |
) |
|
|
(23.1 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
25.0 |
|
|
|
14.5 |
|
|
|
61.6 |
|
|
|
78.7 |
|
|
|
23.5 |
|
|
|
152.8 |
|
|
|
178.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
|
0.1 |
|
|
|
- |
|
|
|
(3.0 |
) |
|
|
- |
|
|
|
- |
|
|
|
1.7 |
|
|
|
(3.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
|
305.8 |
|
|
|
276.6 |
|
|
|
330.6 |
|
|
|
372.7 |
|
|
|
342.1 |
|
|
|
1,192.9 |
|
|
|
1,322.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
|
136.1 |
|
|
|
133.4 |
|
|
|
136.3 |
|
|
|
135.0 |
|
|
|
137.6 |
|
|
|
518.3 |
|
|
|
542.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
$ |
|
28.4 |
|
$ |
|
58.9 |
|
$ |
|
9.5 |
|
$ |
|
(20.3 |
) |
$ |
|
17.0 |
|
$ |
|
132.9 |
|
$ |
|
65.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损耗和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年,不包括巨灾损失 |
|
|
|
59.7 |
% |
|
|
57.0 |
% |
|
|
58.1 |
% |
|
|
62.4 |
% |
|
|
64.8 |
% |
|
|
56.3 |
% |
|
|
60.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上一事故年有利储备开发,不包括巨灾损失 |
|
|
|
- |
|
|
|
(1.1 |
)% |
|
|
(1.0 |
)% |
|
|
(2.0 |
)% |
|
|
(0.6 |
)% |
|
|
- |
|
|
|
(1.2 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年巨灾损失 |
|
|
|
5.3 |
% |
|
|
3.1 |
% |
|
|
12.9 |
% |
|
|
16.1 |
% |
|
|
4.7 |
% |
|
|
8.3 |
% |
|
|
9.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一事故年不利(有利)巨灾损失发展 |
|
|
|
- |
|
|
|
- |
|
|
|
(0.6 |
)% |
|
|
- |
|
|
|
- |
|
|
|
0.1 |
% |
|
|
(0.2 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总损耗和LAE比率 |
|
|
|
65.0 |
% |
|
|
59.0 |
% |
|
|
69.4 |
% |
|
|
76.5 |
% |
|
|
68.9 |
% |
|
|
64.7 |
% |
|
|
68.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
|
28.4 |
% |
|
|
28.0 |
% |
|
|
28.2 |
% |
|
|
27.3 |
% |
|
|
27.3 |
% |
|
|
27.7 |
% |
|
|
27.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合并比率 |
|
|
|
93.4 |
% |
|
|
87.0 |
% |
|
|
97.6 |
% |
|
|
103.8 |
% |
|
|
96.2 |
% |
|
|
92.4 |
% |
|
|
96.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率,不包括巨灾损失 |
|
|
|
88.1 |
% |
|
|
83.9 |
% |
|
|
85.3 |
% |
|
|
87.7 |
% |
|
|
91.5 |
% |
|
|
84.0 |
% |
|
|
87.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当前事故年综合比率,不包括巨灾损失 |
|
|
|
88.1 |
% |
|
|
85.0 |
% |
|
|
86.3 |
% |
|
|
89.7 |
% |
|
|
92.1 |
% |
|
|
84.0 |
% |
|
|
88.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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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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|
Q4 |
|
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|
|
Q1 |
|
|
|
|
Q2 |
|
|
|
|
Q3 |
|
|
Q4 |
|
|
黄大仙 |
|
|
黄大仙 |
|
|
|||||||
(单位:百万,收益率除外) |
|
2020 |
|
|
|
|
2021 |
|
|
|
|
2021 |
|
|
|
|
2021 |
|
|
2021 |
|
|
2020 |
|
|
2021 |
|
|
|||||||
|
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|
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|
|
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|
|
净投资收益 |
|
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|
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|
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|
|
|
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|
|
|
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|
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|
|
|
|
|
|
|
|
固定期限 |
|
$ |
54.8 |
|
|
|
|
$ |
54.5 |
|
|
|
|
$ |
53.9 |
|
|
|
|
$ |
54.2 |
|
|
$ |
54.3 |
|
|
$ |
222.5 |
|
|
$ |
216.9 |
|
|
有限合伙企业 |
|
|
8.7 |
|
|
|
|
|
15.1 |
|
|
|
|
|
15.5 |
|
|
|
|
|
18.9 |
|
|
|
18.7 |
|
|
|
16.7 |
|
|
|
68.2 |
|
|
按揭贷款 |
|
|
4.4 |
|
|
|
|
|
5.4 |
|
|
|
|
|
4.2 |
|
|
|
|
|
4.0 |
|
|
|
4.4 |
|
|
|
17.5 |
|
|
|
18.0 |
|
|
股权证券 |
|
|
4.0 |
|
|
|
|
|
3.8 |
|
|
|
|
|
3.8 |
|
|
|
|
|
3.7 |
|
|
|
4.3 |
|
|
|
14.8 |
|
|
|
15.6 |
|
|
其他投资 |
|
|
0.8 |
|
|
|
|
|
0.7 |
|
|
|
|
|
0.9 |
|
|
|
|
|
0.7 |
|
|
|
0.7 |
|
|
|
3.2 |
|
|
|
3.0 |
|
|
投资费用 |
|
|
(2.5 |
) |
|
|
|
|
(2.7 |
) |
|
|
|
|
(2.7 |
) |
|
|
|
|
(2.7 |
) |
|
|
(2.9 |
) |
|
|
(9.6 |
) |
|
(11.0) |
|
|
|
总计 |
|
$ |
70.2 |
|
|
|
|
$ |
76.8 |
|
|
|
|
$ |
75.6 |
|
|
|
|
$ |
78.8 |
|
|
$ |
79.5 |
|
|
$ |
265.1 |
|
|
$ |
310.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
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|
|
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|
|
|
|
|
|
|
税前收益率 |
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限 |
|
|
3.15 |
% |
|
|
|
|
3.11 |
% |
|
|
|
|
3.02 |
% |
|
|
|
|
2.96 |
% |
|
|
2.90 |
% |
|
|
3.33 |
% |
|
|
2.99 |
% |
|
总计 |
|
|
3.45 |
% |
|
|
|
|
3.74 |
% |
|
|
|
|
3.65 |
% |
|
|
|
|
3.72 |
% |
|
|
3.69 |
% |
|
|
3.35 |
% |
|
|
3.70 |
% |
|
|
|
|
|
|
|
|
|
|
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|
|
|
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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
|
汉诺威保险集团 |
|
||||||||||||||||||
|
投资组合 |
|
||||||||||||||||||
|
2021年12月31日 |
|
||||||||||||||||||
(单位:百万) |
|
|
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|
|||||||||||
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|
改变 |
|
改变 |
|
||
|
|
加权 |
摊销 |
|
|
|
|
|
|
|
网络 |
|
网络 |
|
网络 |
|
||||
|
|
平均值 |
成本 |
|
公允价值/ |
|
的百分比 |
|
未实现 |
|
未实现 |
|
未实现 |
|
||||||
投资类型 |
|
质量 |
或成本(1) |
|
进位值 |
|
总计 |
|
得(损) |
|
在第四季度 |
|
黄大仙 |
|
||||||
|
|
|
|
|
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|
|
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|
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|
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|
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|
|
|
|
|
固定期限: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
美国财政部和政府机构 |
|
AAA级 |
$ |
394.3 |
|
$ |
396.2 |
|
|
4.2 |
% |
$ |
1.9 |
|
$ |
(1.6 |
) |
$ |
(13.7 |
) |
外国政府 |
|
A- |
|
2.2 |
|
|
2.6 |
|
|
- |
|
|
0.4 |
|
|
- |
|
|
(0.1 |
) |
市政当局: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
应税 |
|
AA型 |
|
1,149.2 |
|
|
1,173.0 |
|
|
12.5 |
% |
|
23.8 |
|
|
(9.6 |
) |
|
(36.1 |
) |
免税 |
|
AA型 |
|
27.0 |
|
|
27.8 |
|
|
0.3 |
% |
|
0.8 |
|
|
- |
|
|
(0.9 |
) |
公司: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
NAIC 1 |
|
A |
|
1,407.3 |
|
|
1,476.4 |
|
|
15.7 |
% |
|
69.1 |
|
|
(19.4 |
) |
|
(69.5 |
) |
NAIC 2 |
|
BBB |
|
2,178.8 |
|
|
2,257.7 |
|
|
24.1 |
% |
|
78.9 |
|
|
(33.1 |
) |
|
(102.4 |
) |
NAIC 3及以下版本 |
|
BB- |
|
345.1 |
|
|
356.0 |
|
|
3.8 |
% |
|
10.9 |
|
|
(3.8 |
) |
|
(10.6 |
) |
公司总数 |
|
BBB+ |
|
3,931.2 |
|
|
4,090.1 |
|
|
43.6 |
% |
|
158.9 |
|
|
(56.3 |
) |
|
(182.5 |
) |
资产支持: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
住房抵押贷款支持 |
|
AAA级 |
|
1,068.2 |
|
|
1,069.6 |
|
|
11.4 |
% |
|
1.4 |
|
|
(9.1 |
) |
|
(31.1 |
) |
商业抵押贷款支持 |
|
AA+ |
|
802.4 |
|
|
824.4 |
|
|
8.8 |
% |
|
22.0 |
|
|
(11.1 |
) |
|
(32.6 |
) |
资产支持 |
|
A- |
|
140.3 |
|
|
140.2 |
|
|
1.5 |
% |
|
(0.1 |
) |
|
(2.0 |
) |
|
(2.7 |
) |
总固定到期日 |
|
A+ |
|
7,514.8 |
|
|
7,723.9 |
|
|
82.3 |
% |
|
209.1 |
|
|
(89.7 |
) |
|
(299.7 |
) |
股权证券 |
|
|
|
661.3 |
|
|
661.3 |
|
|
7.0 |
% |
|
- |
|
|
- |
|
|
- |
|
按揭及其他贷款 |
|
|
|
434.0 |
|
|
434.0 |
|
|
4.6 |
% |
|
- |
|
|
- |
|
|
- |
|
其他投资 |
|
|
|
333.4 |
|
|
333.4 |
|
|
3.6 |
% |
|
- |
|
|
- |
|
|
- |
|
总投资 |
|
|
|
8,943.5 |
|
|
9,152.6 |
|
|
97.5 |
% |
|
209.1 |
|
|
(89.7 |
) |
|
(299.7 |
) |
现金和现金等价物 |
|
|
|
230.9 |
|
|
230.9 |
|
|
2.5 |
% |
|
- |
|
|
- |
|
|
- |
|
总计 |
|
|
$ |
9,174.4 |
|
$ |
9,383.5 |
|
|
100.0 |
% |
$ |
209.1 |
|
$ |
(89.7 |
) |
$ |
(299.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)扣除信贷损失拨备后的净额740万美元。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
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|
|
|
|
|
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|
|
|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
15
汉诺威保险集团 |
|
||||||||||||
信用质量与固定期限 |
|
||||||||||||
2021年12月31日 |
|
||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(单位:百万) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
$ |
|
4,867.5 |
|
$ |
|
4,987.6 |
|
|
64.6 |
% |
|
2 |
BAA |
|
|
2,302.2 |
|
|
|
2,380.4 |
|
|
30.8 |
% |
|
3 |
基数 |
|
|
216.9 |
|
|
|
225.2 |
|
|
2.9 |
% |
|
4 |
B |
|
|
123.2 |
|
|
|
125.3 |
|
|
1.6 |
% |
|
5 |
CAA及更低版本 |
|
|
5.0 |
|
|
|
5.4 |
|
|
0.1 |
% |
|
总固定到期日 |
|
$ |
|
7,514.8 |
|
$ |
|
7,723.9 |
|
|
100.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
$ |
|
1,080.2 |
|
$ |
|
1,108.3 |
|
|
14.3 |
% |
|
|
2-4年 |
|
|
1,581.1 |
|
|
|
1,660.9 |
|
|
21.5 |
% |
|
|
4-6年 |
|
|
2,263.8 |
|
|
|
2,349.0 |
|
|
30.4 |
% |
|
|
6-8年 |
|
|
1,603.8 |
|
|
|
1,622.4 |
|
|
21.0 |
% |
|
|
8-10年 |
|
|
854.9 |
|
|
|
846.5 |
|
|
11.0 |
% |
|
|
10年以上 |
|
|
131.0 |
|
|
|
136.8 |
|
|
1.8 |
% |
|
总固定到期日 |
|
|
$ |
|
7,514.8 |
|
$ |
|
7,723.9 |
|
|
100.0 |
% |
加权平均工期 |
|
|
|
4.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)扣除信贷损失拨备后的净额30万美元。
16
汉诺威保险集团 |
||||||||||
企业和市政固定期限控股前25名 |
||||||||||
2021年12月31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 |
$ |
41.0 |
|
$ |
40.7 |
|
0.43% |
|
AAA级 |
|
摩根士丹利 |
|
34.4 |
|
|
36.4 |
|
0.39% |
|
BBB+ |
|
俄亥俄州 |
|
34.2 |
|
|
33.8 |
|
0.36% |
|
AA+ |
|
嘉信理财(Charles Schwab) |
|
29.6 |
|
|
31.1 |
|
0.33% |
|
A |
|
Truist Financial |
|
29.5 |
|
|
31.1 |
|
0.33% |
|
A- |
|
高盛 |
|
29.0 |
|
|
30.3 |
|
0.32% |
|
BBB+ |
|
三井住友金融 |
|
27.6 |
|
|
28.1 |
|
0.30% |
|
A- |
|
艾伯维 |
|
27.1 |
|
|
28.2 |
|
0.30% |
|
BBB+ |
|
美国银行 |
|
26.3 |
|
|
28.2 |
|
0.30% |
|
A- |
|
马萨诸塞州学校建筑局 |
|
26.3 |
|
|
25.8 |
|
0.28% |
|
AA+ |
|
西太平洋银行 |
|
25.6 |
|
|
26.7 |
|
0.28% |
|
A |
|
俄勒冈州 |
|
25.5 |
|
|
25.2 |
|
0.27% |
|
AA+ |
|
加州州立大学 |
|
25.3 |
|
|
25.8 |
|
0.28% |
|
AA- |
|
摩根大通(JP Morgan Chase) |
|
25.0 |
|
|
26.1 |
|
0.28% |
|
A- |
|
PNC银行 |
|
24.7 |
|
|
26.3 |
|
0.28% |
|
A |
|
国家电网 |
|
24.2 |
|
|
24.8 |
|
0.26% |
|
BBB+ |
|
信诺 |
|
23.6 |
|
|
24.3 |
|
0.26% |
|
A- |
|
克罗格 |
|
23.1 |
|
|
23.8 |
|
0.25% |
|
BBB |
|
三菱日联金融集团 |
|
23.1 |
|
|
23.9 |
|
0.26% |
|
A- |
|
哥伦比亚特区 |
|
23.0 |
|
|
22.3 |
|
0.24% |
|
AAA级 |
|
威斯康星州 |
|
22.5 |
|
|
22.5 |
|
0.24% |
|
AA+ |
|
公民金融集团 |
|
22.3 |
|
|
22.9 |
|
0.24% |
|
BBB+ |
|
瑞银集团(UBS Group) |
|
22.0 |
|
|
22.4 |
|
0.24% |
|
A- |
|
SVB金融集团 |
|
22.0 |
|
|
21.9 |
|
0.23% |
|
BBB |
|
麻省互惠银行全球融资II |
|
22.0 |
|
|
23.2 |
|
0.25% |
|
AA+ |
|
排名前25位的企业和市政 |
$ |
658.9 |
|
$ |
675.8 |
|
7.20% |
|
|
|
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|
|
(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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截至12月31日的三个月 |
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截至十二月三十一日止的年度 |
|
||||||||||||||||||||||||||||||
|
|
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) |
|
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|
|
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|
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|
|
商业线路 |
|
$ |
|
120.9 |
|
|
|
|
|
|
$ |
|
103.2 |
|
|
|
|
|
|
$ |
|
269.9 |
|
|
|
|
|
|
$ |
|
275.4 |
|
|
|
|
|
个人专线 |
|
|
|
40.9 |
|
|
|
|
|
|
|
|
50.8 |
|
|
|
|
|
|
|
|
158.5 |
|
|
|
|
|
|
|
|
212.5 |
|
|
|
|
|
其他 |
|
|
|
1.1 |
|
|
|
|
|
|
|
|
(3.7 |
) |
|
|
|
|
|
|
|
3.9 |
|
|
|
|
|
|
|
|
(3.2 |
) |
|
|
|
|
总计 |
|
|
|
162.9 |
|
|
|
|
|
|
|
|
150.3 |
|
|
|
|
|
|
|
|
432.3 |
|
|
|
|
|
|
|
|
484.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
利息支出 |
|
|
|
(8.5 |
) |
|
|
|
|
|
|
|
(8.5 |
) |
|
|
|
|
|
|
|
(34.0 |
) |
|
|
|
|
|
|
|
(37.1 |
) |
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入 |
|
|
|
154.4 |
|
$ |
|
4.27 |
|
|
|
|
141.8 |
|
$ |
|
3.82 |
|
|
|
|
398.3 |
|
$ |
|
10.93 |
|
|
|
|
447.6 |
|
$ |
|
11.75 |
|
|
|
|
|
|
|
|
|
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|
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|
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|
|
|
|
|
|
|
|
营业收入所得税费用 |
|
|
|
(32.3 |
) |
|
|
(0.89 |
) |
|
|
|
(29.8 |
) |
|
|
(0.80 |
) |
|
|
|
(80.0 |
) |
|
|
(2.20 |
) |
|
|
|
(92.6 |
) |
|
|
(2.43 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税后营业收入 |
|
|
|
122.1 |
|
|
|
3.38 |
|
|
|
|
112.0 |
|
|
|
3.02 |
|
|
|
|
318.3 |
|
|
|
8.73 |
|
|
|
|
355.0 |
|
|
|
9.32 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
非经营性项目: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
销售和其他已实现净收益(亏损) |
|
|
|
(2.2 |
) |
|
|
(0.06 |
) |
|
|
|
5.8 |
|
|
|
0.16 |
|
|
|
|
4.6 |
|
|
|
0.13 |
|
|
|
|
17.9 |
|
|
|
0.47 |
|
权益证券公允价值净变动 |
|
|
|
53.2 |
|
|
|
1.47 |
|
|
|
|
57.8 |
|
|
|
1.56 |
|
|
|
|
119.1 |
|
|
|
3.27 |
|
|
|
|
13.4 |
|
|
|
0.35 |
|
投资减值回收(损失) |
|
|
|
(0.6 |
) |
|
|
(0.02 |
) |
|
|
|
1.6 |
|
|
|
0.04 |
|
|
|
|
(0.7 |
) |
|
|
(0.02 |
) |
|
|
|
(26.3 |
) |
|
|
(0.69 |
) |
偿还借款损失 |
|
|
|
- |
|
|
|
- |
|
|
|
|
- |
|
|
|
- |
|
|
|
|
- |
|
|
|
- |
|
|
|
|
(6.2 |
) |
|
|
(0.16 |
) |
其他非经营性项目 |
|
|
|
- |
|
|
|
- |
|
|
|
|
- |
|
|
|
- |
|
|
|
|
- |
|
|
|
- |
|
|
|
|
(1.6 |
) |
|
|
(0.05 |
) |
非经营性项目所得税优惠(费用) |
|
|
|
(9.7 |
) |
|
|
(0.26 |
) |
|
|
|
(11.3 |
) |
|
|
(0.31 |
) |
|
|
|
(21.3 |
) |
|
|
(0.59 |
) |
|
|
|
9.8 |
|
|
|
0.26 |
|
持续经营所得,税后净额 |
|
|
|
162.8 |
|
|
|
4.51 |
|
|
|
|
165.9 |
|
|
|
4.47 |
|
|
|
|
420.0 |
|
|
|
11.52 |
|
|
|
|
362.0 |
|
|
|
9.50 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
停产业务(税后净额): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
乔叟业务收入 |
|
|
|
1.2 |
|
|
|
0.03 |
|
|
|
|
0.4 |
|
|
|
0.01 |
|
|
|
|
1.2 |
|
|
|
0.03 |
|
|
|
|
0.4 |
|
|
|
0.01 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
停产寿险业务的亏损 |
|
|
|
(0.5 |
) |
|
|
(0.01 |
) |
|
|
|
(1.7 |
) |
|
|
(0.05 |
) |
|
|
|
(2.5 |
) |
|
|
(0.06 |
) |
|
|
|
(3.7 |
) |
|
|
(0.09 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净收入 |
|
$ |
|
163.5 |
|
$ |
|
4.53 |
|
|
$ |
|
164.6 |
|
$ |
|
4.43 |
|
|
$ |
|
418.7 |
|
$ |
|
11.49 |
|
|
$ |
|
358.7 |
|
$ |
|
9.42 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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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。扣除利息、费用和税前的营业收入是营业收入(亏损)的总和,这些营业收入(亏损)来自:商业线路、个人线路和其他。税后营业收入EPS(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。灾难是由自然或人为事件造成的严重损失,除其他外,包括飓风、龙卷风和其他暴风雨、地震、冰雹、严冬天气、火灾、爆炸和恐怖主义。每一场灾难都有其独特的特点。灾难发生的时间或损失数额是不可预知的。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。 |
|
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12月31日和2020年12月31日的三个月和十二个月的持续经营收入(亏损)与扣除利息、支出和税项前的营业收入(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 |
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截至2022年2月2日的行业评级 |
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转运剂 |
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主要子公司 |
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汉诺威保险集团(Hanover Insurance Group,Inc.) |
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上午 |
标准 |
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计算机股票投资者服务 |
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林肯街440号 |
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财务实力评级 |
最好的 |
&Poor‘s |
穆迪(Moody‘s) |
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PO Box 505000 |
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马萨诸塞州伍斯特,邮编:01653 |
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汉诺威保险 |
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肯塔基州路易斯维尔,邮编:40233-5000 |
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公司 |
A |
A |
A2 |
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1-800-317-4454 |
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汉诺威保险公司 |
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公民保险公司 |
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林肯街440号 |
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美国的 |
A |
A |
- |
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马萨诸塞州伍斯特,邮编:01653 |
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普通股 |
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美国公民保险公司 |
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上午 |
标准 |
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北海兰德路808号 |
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债务评级 |
最好的 |
&Poor‘s |
穆迪(Moody‘s) |
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汉诺威保险集团公司普通股上市交易 |
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密西西比州豪厄尔,邮编:48843 |
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汉诺威保险集团(Hanover Insurance Group,Inc.) |
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在纽约证券交易所上市,代码为“THG”。 |
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优先债 |
BBB+ |
BBB |
Baa2 |
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附属债券 |
BBB- |
BB+ |
Baa3 |
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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 |
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以上评级是截至2022年2月2日的准确评级,可能是 |
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奥克萨娜·卢卡什耶娃 |
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我们普通股和季度现金的销售价格 |
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由各自的评级机构在以下位置修订、取代或撤回 |
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高级副总裁 |
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所示期间的股息: |
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任何时候都行。有关金融方面的最新信息,请访问 |
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公司财务 |
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请对汉诺威保险集团及其子公司进行评级 |
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邮箱:olukasheva@hanover.com |
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截至的季度 |
2021 |
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访问各自评级机构的网站。 |
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价格范围 |
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分红 |
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高 |
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低 |
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每股 |
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3月31日 |
$ |
133.12 |
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$ |
112.47 |
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$ |
0.700 |
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6月30日 |
$ |
142.80 |
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$ |
129.83 |
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$ |
0.700 |
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九月三十日 |
$ |
142.35 |
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$ |
127.33 |
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$ |
0.700 |
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12月31日 |
$ |
136.97 |
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$ |
121.75 |
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$ |
0.750 |
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截至的季度 |
2020 |
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价格范围 |
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分红 |
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高 |
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低 |
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每股 |
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3月31日 |
$ |
140.54 |
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$ |
83.67 |
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$ |
0.650 |
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6月30日 |
$ |
115.06 |
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$ |
84.64 |
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$ |
0.650 |
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九月三十日 |
$ |
107.36 |
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$ |
89.10 |
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$ |
0.650 |
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12月31日 |
$ |
118.34 |
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$ |
93.58 |
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$ |
0.700 |
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20