展品99.2
选择历史记录
财务信息
2019 - 2021
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汉诺威保险集团 |
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选择历史财务信息 |
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目录 |
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Segment Descriptions.................................................................................................... |
1 |
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税前经营业绩及相关指标 |
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Consolidated Eight Quarter Trending...................................................................... |
2 |
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Core Commercial...................................................................................................... |
3-4 |
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Specialty..................................................................................................................... |
5-6 |
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Personal Lines........................................................................................................... |
7-10 |
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其他信息 |
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Non-GAAP Financial Measures............................................................................... |
11 |
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Premium Related Metric Definitions........................................................................ |
12 |
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汉诺威保险集团 |
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陈述的基础 |
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细分市场描述 |
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核心商业广告 |
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子细分市场 |
客户和业务类型 |
主要业务范围 |
小型商业 |
覆盖年保费在50,000美元或以下的小企业。 产品根据需要为特定的行业细分而量身定做。 |
企业主的政策/商业多重风险 商用汽车 工伤赔偿 其他(一般负债、商业保护伞、单一财产) |
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中端市场 |
覆盖年保费从5万美元起的中型企业,重点是5万美元至25万美元之间的企业。产品是为某些特定的行业领域量身定做的,包括技术、制造、人类服务、零售、房地产等。 |
商业多重危险 商用汽车 工伤赔偿 其他(一般负债、商业保护伞、单一财产) |
专业 |
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子细分市场 |
客户和业务类型 |
主要业务范围 |
专业线和执行线 |
覆盖中小型非上市公司,包括律师、工程师、会计师和包括医疗保健在内的各种其他专业和咨询公司;为董事、高级管理人员和员工提供保护,使其免受实际或据称的错误、疏忽或不诚信以及雇佣行为的影响。 |
专业责任 管理责任 忠诚与犯罪 医疗保健公司的其他财产和负债额度 |
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特殊财产和意外伤害 |
计划业务-覆盖具有与类似业务集团相关的专业或风险管理需求的市场; 汉诺威特种工业(HSI)-覆盖中小型化工、涂料、溶剂等制造商和经销商; 超额和盈余--不承认的一般责任和超出标准商业项目承受范围的风险的财产保险; 特殊一般责任-承认较高危险责任风险的承保范围 |
商业多重危险 商用汽车 工伤赔偿 其他(一般负债、商业保护伞、单一财产) |
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海军陆战队 |
包括内陆和海洋运输保险,以及承保承包商的设备、建筑商的风险和运输中的货物等财产的有形损失。还包括珠宝商的积木、艺术品和其他贵重物品。 |
内陆/海洋 通过海事代理写成的辅助业务 |
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担保人及其他 |
为建筑和其他公司以及独资业主提供违约或不付款索赔的保险,以及与受托或监管义务有关的商业担保保险。 |
债券 |
个人专线 |
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子细分市场 |
客户和业务类型 |
主要业务范围 |
个人汽车 |
包括个人因人身伤害、第三方身体伤害、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而遭受的损失的保险。 |
个人汽车 |
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房主和其他人 |
包括个人住房和个人财产损失的保险,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。 |
房主 个人雨伞 内陆海洋(珠宝、艺术品等) 其他(火灾、私人船舶、其他杂物) |
其他 |
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其他包括Opus,它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;以及我们的次要自愿假设财产和伤亡池业务。 |
1
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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已整合 |
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黄大仙 |
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黄大仙 |
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黄大仙 |
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(单位:百万,百分比数据除外) |
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1Q2020 |
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2Q2020 |
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3Q2020 |
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4Q2020 |
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1Q2021 |
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2Q2021 |
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3Q2021 |
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4Q2021 |
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2019 |
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2020 |
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2021 |
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书面毛保费 |
$ |
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1,288.9 |
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$ |
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1,224.0 |
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$ |
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1,406.1 |
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$ |
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1,235.5 |
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$ |
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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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$ |
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5,118.5 |
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5,154.5 |
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$ |
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5,344.3 |
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净保费已成交 |
$ |
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1,136.9 |
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$ |
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1,081.0 |
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$ |
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1,268.5 |
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$ |
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1,112.1 |
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$ |
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1,196.1 |
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$ |
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1,207.2 |
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$ |
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1,375.2 |
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$ |
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1,214.9 |
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$ |
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4,581.7 |
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$ |
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4,598.5 |
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$ |
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4,993.4 |
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赚取的净保费 |
$ |
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1,141.4 |
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$ |
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1,096.6 |
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$ |
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1,135.4 |
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$ |
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1,154.0 |
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$ |
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1,161.8 |
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$ |
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1,179.8 |
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$ |
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1,186.0 |
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$ |
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1,242.6 |
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$ |
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4,474.5 |
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$ |
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4,527.4 |
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$ |
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4,770.2 |
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亏损和LAE: |
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本年度,不包括巨灾损失 |
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692.3 |
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569.1 |
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645.7 |
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666.2 |
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656.2 |
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680.9 |
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711.4 |
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739.2 |
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2,696.2 |
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2,573.3 |
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2,787.7 |
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上年发展良好,不包括巨灾损失 |
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(2.0 |
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(4.9 |
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(2.6 |
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(6.0 |
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(8.2 |
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(12.6 |
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(20.9 |
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(14.4 |
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(0.9 |
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(15.5 |
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(56.1 |
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当年巨灾损失 |
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37.9 |
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154.8 |
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75.5 |
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35.6 |
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133.3 |
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91.8 |
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153.5 |
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39.0 |
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196.8 |
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303.8 |
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417.6 |
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上年有利的巨灾发展 |
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- |
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(7.0 |
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(9.6 |
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(0.5 |
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- |
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(15.0 |
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- |
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- |
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(27.5 |
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(17.1 |
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(15.0 |
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总亏损和LAE |
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728.2 |
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712.0 |
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709.0 |
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695.3 |
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781.3 |
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745.1 |
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844.0 |
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763.8 |
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2,864.6 |
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2,844.5 |
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3,134.2 |
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摊销递延收购成本和其他承销费用 |
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362.0 |
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346.3 |
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365.0 |
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374.7 |
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371.2 |
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371.7 |
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372.9 |
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394.2 |
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1,430.6 |
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1,448.0 |
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1,510.0 |
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公认会计准则承保利润(亏损) |
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51.2 |
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38.3 |
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61.4 |
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84.0 |
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9.3 |
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63.0 |
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(30.9 |
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84.6 |
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179.3 |
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234.9 |
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126.0 |
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净投资收益 |
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69.6 |
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57.7 |
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67.6 |
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70.2 |
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76.8 |
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75.6 |
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78.8 |
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79.5 |
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281.3 |
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265.1 |
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310.7 |
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其他收入 |
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6.7 |
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6.1 |
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8.1 |
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6.4 |
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6.0 |
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5.8 |
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6.1 |
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6.0 |
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25.5 |
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27.3 |
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23.9 |
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其他运营费用 |
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(10.4 |
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(13.2 |
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(8.7 |
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(10.3 |
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(7.0 |
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(7.1 |
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(7.0 |
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(7.2 |
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(32.5 |
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(42.6 |
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(28.3 |
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所得税前营业收入 |
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117.1 |
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$ |
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88.9 |
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$ |
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128.4 |
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$ |
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150.3 |
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$ |
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85.1 |
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$ |
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137.3 |
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$ |
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47.0 |
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$ |
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162.9 |
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$ |
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453.6 |
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$ |
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484.7 |
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$ |
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432.3 |
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损失和LAE比率: |
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|
|
|
|
|
|
|
|
|
|
本年度,不包括巨灾损失 |
|
|
60.7 |
% |
|
|
51.8 |
% |
|
|
56.8 |
% |
|
|
57.8 |
% |
|
|
56.4 |
% |
|
|
57.8 |
% |
|
|
60.1 |
% |
|
|
59.6 |
% |
|
|
|
60.2 |
% |
|
|
56.8 |
% |
|
|
58.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年发展良好,不包括巨灾损失 |
|
|
(0.2 |
)% |
|
|
(0.4 |
)% |
|
|
(0.2 |
)% |
|
|
(0.5 |
)% |
|
|
(0.7 |
)% |
|
|
(1.1 |
)% |
|
|
(1.8 |
)% |
|
|
(1.2 |
)% |
|
|
|
- |
|
|
|
(0.3 |
)% |
|
|
(1.2 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当年巨灾损失 |
|
|
3.3 |
% |
|
|
14.1 |
% |
|
|
6.6 |
% |
|
|
3.0 |
% |
|
|
11.5 |
% |
|
|
7.8 |
% |
|
|
12.9 |
% |
|
|
3.1 |
% |
|
|
|
4.4 |
% |
|
|
6.7 |
% |
|
|
8.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨灾发展 |
|
|
- |
|
|
|
(0.6 |
)% |
|
|
(0.8 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(1.3 |
)% |
|
|
- |
|
|
|
- |
|
|
|
|
(0.6 |
)% |
|
|
(0.4 |
)% |
|
|
(0.3 |
)% |
总损耗和LAE比率 |
|
|
63.8 |
% |
|
|
64.9 |
% |
|
|
62.4 |
% |
|
|
60.3 |
% |
|
|
67.2 |
% |
|
|
63.2 |
% |
|
|
71.2 |
% |
|
|
61.5 |
% |
|
|
|
64.0 |
% |
|
|
62.8 |
% |
|
|
65.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
31.4 |
% |
|
|
31.3 |
% |
|
|
31.8 |
% |
|
|
32.1 |
% |
|
|
31.6 |
% |
|
|
31.2 |
% |
|
|
31.1 |
% |
|
|
31.4 |
% |
|
|
|
31.6 |
% |
|
|
31.6 |
% |
|
|
31.3 |
% |
综合比率 |
|
|
95.2 |
% |
|
|
96.2 |
% |
|
|
94.2 |
% |
|
|
92.4 |
% |
|
|
98.8 |
% |
|
|
94.4 |
% |
|
|
102.3 |
% |
|
|
92.9 |
% |
|
|
|
95.6 |
% |
|
|
94.4 |
% |
|
|
97.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率,不包括巨灾损失 |
|
|
91.9 |
% |
|
|
82.7 |
% |
|
|
88.4 |
% |
|
|
89.4 |
% |
|
|
87.3 |
% |
|
|
87.9 |
% |
|
|
89.4 |
% |
|
|
89.8 |
% |
|
|
|
91.8 |
% |
|
|
88.1 |
% |
|
|
88.6 |
% |
综合比率,不包括巨灾损失和上年发展 |
|
|
92.1 |
% |
|
|
83.1 |
% |
|
|
88.6 |
% |
|
|
89.9 |
% |
|
|
88.0 |
% |
|
|
89.0 |
% |
|
|
91.2 |
% |
|
|
91.0 |
% |
|
|
|
91.8 |
% |
|
|
88.4 |
% |
|
|
89.8 |
% |
2
汉诺威保险集团 |
|
|||||||||||||||||||||||||||||||||||||||||||||
GAAP承保和营业收入信息及比率 |
|
|||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
核心商业广告 |
|
|||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黄大仙 |
|
|
黄大仙 |
|
|
黄大仙 |
|
|||
(单位:百万,百分比数据除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
书面毛保费 |
$ |
|
517.3 |
|
$ |
|
431.4 |
|
|
$ |
|
547.4 |
|
$ |
|
453.3 |
|
$ |
|
539.9 |
|
$ |
|
473.6 |
|
$ |
|
601.1 |
|
$ |
|
484.9 |
|
|
$ |
|
1,928.5 |
|
$ |
|
1,949.4 |
|
$ |
|
2,099.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费已成交 |
$ |
|
460.6 |
|
$ |
|
378.6 |
|
|
$ |
|
486.4 |
|
$ |
|
400.6 |
|
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
|
$ |
|
1,727.0 |
|
$ |
|
1,726.2 |
|
$ |
|
1,864.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
赚取的净保费 |
$ |
|
431.0 |
|
$ |
|
417.4 |
|
|
$ |
|
420.1 |
|
$ |
|
435.2 |
|
$ |
|
435.2 |
|
$ |
|
447.6 |
|
$ |
|
459.7 |
|
$ |
|
468.4 |
|
|
$ |
|
1,689.9 |
|
$ |
|
1,703.7 |
|
$ |
|
1,810.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨灾损失 |
|
|
275.8 |
|
|
|
218.5 |
|
|
|
|
250.4 |
|
|
|
254.8 |
|
|
|
250.6 |
|
|
|
258.2 |
|
|
|
281.7 |
|
|
|
271.9 |
|
|
|
|
1,001.1 |
|
|
|
999.5 |
|
|
|
1,062.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨灾损失的上一年不利(有利)发展 |
|
|
0.1 |
|
|
|
(2.8 |
) |
|
|
|
(3.6 |
) |
|
|
(6.3 |
) |
|
|
(2.7 |
) |
|
|
(4.6 |
) |
|
|
(3.3 |
) |
|
|
(7.2 |
) |
|
|
|
(37.8 |
) |
|
|
(12.6 |
) |
|
|
(17.8 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当年巨灾损失 |
|
|
20.2 |
|
|
|
57.9 |
|
|
|
|
22.0 |
|
|
|
4.2 |
|
|
|
94.5 |
|
|
|
22.5 |
|
|
|
57.3 |
|
|
|
10.9 |
|
|
|
|
80.8 |
|
|
|
104.3 |
|
|
|
185.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨灾发展 |
|
|
(2.9 |
) |
|
|
(4.7 |
) |
|
|
|
(7.0 |
) |
|
|
(0.1 |
) |
|
|
(0.1 |
) |
|
|
(8.7 |
) |
|
|
(0.9 |
) |
|
|
- |
|
|
|
|
(12.2 |
) |
|
|
(14.7 |
) |
|
|
(9.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
293.2 |
|
|
|
268.9 |
|
|
|
|
261.8 |
|
|
|
252.6 |
|
|
|
342.3 |
|
|
|
267.4 |
|
|
|
334.8 |
|
|
|
275.6 |
|
|
|
|
1,031.9 |
|
|
|
1,076.5 |
|
|
|
1,220.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
141.5 |
|
|
|
140.2 |
|
|
|
|
141.9 |
|
|
|
146.1 |
|
|
|
144.2 |
|
|
|
145.1 |
|
|
|
150.6 |
|
|
|
158.4 |
|
|
|
|
565.0 |
|
|
|
569.7 |
|
|
|
598.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公认会计准则承保利润(亏损) |
|
|
(3.7 |
) |
|
|
8.3 |
|
|
|
|
16.4 |
|
|
|
36.5 |
|
|
|
(51.3 |
) |
|
|
35.1 |
|
|
|
(25.7 |
) |
|
|
34.4 |
|
|
|
|
93.0 |
|
|
|
57.5 |
|
|
|
(7.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
32.9 |
|
|
|
26.8 |
|
|
|
|
31.5 |
|
|
|
33.0 |
|
|
|
36.9 |
|
|
|
35.0 |
|
|
|
37.0 |
|
|
|
37.6 |
|
|
|
|
124.0 |
|
|
|
124.2 |
|
|
|
146.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
1.1 |
|
|
|
0.9 |
|
|
|
|
1.3 |
|
|
|
1.0 |
|
|
|
0.8 |
|
|
|
0.8 |
|
|
|
0.9 |
|
|
|
0.8 |
|
|
|
|
4.6 |
|
|
|
4.3 |
|
|
|
3.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
(2.4 |
) |
|
|
(3.8 |
) |
|
|
|
(1.7 |
) |
|
|
- |
|
|
|
(1.2 |
) |
|
|
(1.0 |
) |
|
|
(1.2 |
) |
|
|
(0.9 |
) |
|
|
|
(5.2 |
) |
|
|
(7.9 |
) |
|
|
(4.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入(亏损) |
$ |
|
27.9 |
|
$ |
|
32.2 |
|
|
$ |
|
47.5 |
|
$ |
|
70.5 |
|
$ |
|
(14.8 |
) |
$ |
|
69.9 |
|
$ |
|
11.0 |
|
$ |
|
71.9 |
|
|
$ |
|
216.4 |
|
$ |
|
178.1 |
|
$ |
|
138.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨灾损失 |
|
|
64.0 |
% |
|
|
52.4 |
% |
|
|
|
59.6 |
% |
|
|
58.5 |
% |
|
|
57.6 |
% |
|
|
57.6 |
% |
|
|
61.2 |
% |
|
|
58.0 |
% |
|
|
|
59.2 |
% |
|
|
58.6 |
% |
|
|
58.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年发展良好,不包括巨灾损失 |
|
|
- |
|
|
|
(0.7 |
)% |
|
|
|
(0.9 |
)% |
|
|
(1.4 |
)% |
|
|
(0.6 |
)% |
|
|
(1.0 |
)% |
|
|
(0.7 |
)% |
|
|
(1.5 |
)% |
|
|
|
(2.2 |
)% |
|
|
(0.7 |
)% |
|
|
(1.0 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当年巨灾损失 |
|
|
4.7 |
% |
|
|
13.8 |
% |
|
|
|
5.3 |
% |
|
|
0.9 |
% |
|
|
21.7 |
% |
|
|
5.0 |
% |
|
|
12.5 |
% |
|
|
2.3 |
% |
|
|
|
4.8 |
% |
|
|
6.2 |
% |
|
|
10.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨灾发展 |
|
|
(0.7 |
)% |
|
|
(1.1 |
)% |
|
|
|
(1.7 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(1.9 |
)% |
|
|
(0.2 |
)% |
|
|
- |
|
|
|
|
(0.7 |
)% |
|
|
(0.9 |
)% |
|
|
(0.5 |
)% |
总损耗和LAE比率 |
|
|
68.0 |
% |
|
|
64.4 |
% |
|
|
|
62.3 |
% |
|
|
58.0 |
% |
|
|
78.7 |
% |
|
|
59.7 |
% |
|
|
72.8 |
% |
|
|
58.8 |
% |
|
|
|
61.1 |
% |
|
|
63.2 |
% |
|
|
67.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
32.6 |
% |
|
|
33.4 |
% |
|
|
|
33.5 |
% |
|
|
33.4 |
% |
|
|
33.0 |
% |
|
|
32.2 |
% |
|
|
32.6 |
% |
|
|
33.6 |
% |
|
|
|
33.2 |
% |
|
|
33.2 |
% |
|
|
32.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率 |
|
|
100.6 |
% |
|
|
97.8 |
% |
|
|
|
95.8 |
% |
|
|
91.4 |
% |
|
|
111.7 |
% |
|
|
91.9 |
% |
|
|
105.4 |
% |
|
|
92.4 |
% |
|
|
|
94.3 |
% |
|
|
96.4 |
% |
|
|
100.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率,不包括巨灾损失 |
|
|
96.6 |
% |
|
|
85.1 |
% |
|
|
|
92.2 |
% |
|
|
90.5 |
% |
|
|
90.0 |
% |
|
|
88.8 |
% |
|
|
93.1 |
% |
|
|
90.1 |
% |
|
|
|
90.2 |
% |
|
|
91.1 |
% |
|
|
90.6 |
% |
综合比率,不包括巨灾损失和上年发展 |
|
|
96.6 |
% |
|
|
85.8 |
% |
|
|
|
93.1 |
% |
|
|
91.9 |
% |
|
|
90.6 |
% |
|
|
89.8 |
% |
|
|
93.8 |
% |
|
|
91.6 |
% |
|
|
|
92.4 |
% |
|
|
91.8 |
% |
|
|
91.6 |
% |
3
汉诺威保险集团 |
|
||||||||||||||||||||||||||||||||||||||||||||
书面保费和相关指标 |
|
||||||||||||||||||||||||||||||||||||||||||||
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
核心商业广告 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黄大仙 |
|
|
黄大仙 |
|
|
黄大仙 |
|
|||
(单位:百万,百分比数据除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
书面保费 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
毛收入 |
$ |
|
517.3 |
|
$ |
|
431.4 |
|
$ |
|
547.4 |
|
$ |
|
453.3 |
|
$ |
|
539.9 |
|
$ |
|
473.6 |
|
$ |
|
601.1 |
|
$ |
|
484.9 |
|
|
$ |
|
1,928.5 |
|
$ |
|
1,949.4 |
|
$ |
|
2,099.5 |
|
割让 |
|
|
(56.7 |
) |
|
|
(52.8 |
) |
|
|
(61.0 |
) |
|
|
(52.7 |
) |
|
|
(59.3 |
) |
|
|
(51.9 |
) |
|
|
(66.5 |
) |
|
|
(57.0 |
) |
|
|
|
(201.5 |
) |
|
|
(223.2 |
) |
|
|
(234.7 |
) |
网络 |
$ |
|
460.6 |
|
$ |
|
378.6 |
|
$ |
|
486.4 |
|
$ |
|
400.6 |
|
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
|
$ |
|
1,727.0 |
|
$ |
|
1,726.2 |
|
$ |
|
1,864.8 |
|
生长 |
|
|
5.0 |
% |
|
|
(5.0 |
)% |
|
|
0.1 |
% |
|
|
(0.9 |
)% |
|
|
4.3 |
% |
|
|
11.4 |
% |
|
|
9.9 |
% |
|
|
6.8 |
% |
|
|
|
3.8 |
% |
|
|
- |
|
|
|
8.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
` |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按分部列出的净保费 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
小型商业 |
$ |
|
237.2 |
|
$ |
|
220.0 |
|
$ |
|
233.1 |
|
$ |
|
222.3 |
|
$ |
|
257.1 |
|
$ |
|
246.8 |
|
$ |
|
256.3 |
|
$ |
|
243.2 |
|
|
$ |
|
872.4 |
|
$ |
|
912.6 |
|
$ |
|
1,003.4 |
|
中端市场 |
|
|
223.4 |
|
|
|
158.6 |
|
|
|
253.3 |
|
|
|
178.3 |
|
|
|
223.5 |
|
|
|
174.9 |
|
|
|
278.3 |
|
|
|
184.7 |
|
|
|
|
854.6 |
|
|
|
813.6 |
|
|
|
861.4 |
|
总计 |
$ |
|
460.6 |
|
$ |
|
378.6 |
|
$ |
|
486.4 |
|
$ |
|
400.6 |
|
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
|
$ |
|
1,727.0 |
|
$ |
|
1,726.2 |
|
$ |
|
1,864.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按业务类别划分的净保费 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
商业多重危险 |
$ |
|
230.3 |
|
$ |
|
199.6 |
|
$ |
|
269.5 |
|
$ |
|
204.7 |
|
$ |
|
237.2 |
|
$ |
|
219.0 |
|
$ |
|
284.2 |
|
$ |
|
217.3 |
|
|
$ |
|
893.5 |
|
$ |
|
904.1 |
|
$ |
|
957.7 |
|
商用汽车 |
|
|
87.9 |
|
|
|
76.0 |
|
|
|
87.0 |
|
|
|
78.0 |
|
|
|
90.0 |
|
|
|
80.6 |
|
|
|
92.9 |
|
|
|
77.3 |
|
|
|
|
329.6 |
|
|
|
328.9 |
|
|
|
340.8 |
|
工伤赔偿 |
|
|
95.5 |
|
|
|
64.0 |
|
|
|
77.8 |
|
|
|
78.2 |
|
|
|
95.7 |
|
|
|
76.6 |
|
|
|
92.7 |
|
|
|
84.3 |
|
|
|
|
329.6 |
|
|
|
315.5 |
|
|
|
349.3 |
|
其他核心商业 |
|
|
46.9 |
|
|
|
39.0 |
|
|
|
52.1 |
|
|
|
39.7 |
|
|
|
57.7 |
|
|
|
45.5 |
|
|
|
64.8 |
|
|
|
49.0 |
|
|
|
|
174.3 |
|
|
|
177.7 |
|
|
|
217.0 |
|
总计 |
$ |
|
460.6 |
|
$ |
|
378.6 |
|
$ |
|
486.4 |
|
$ |
|
400.6 |
|
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
|
$ |
|
1,727.0 |
|
$ |
|
1,726.2 |
|
$ |
|
1,864.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
相关指标 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
保费留存 |
|
|
85.3 |
% |
|
|
86.9 |
% |
|
|
87.1 |
% |
|
|
85.3 |
% |
|
|
87.3 |
% |
|
|
84.9 |
% |
|
|
87.8 |
% |
|
|
86.7 |
% |
|
|
|
83.4 |
% |
|
|
86.2 |
% |
|
|
86.7 |
% |
续订价格变动 |
|
|
6.0 |
% |
|
|
1.2 |
% |
|
|
4.9 |
% |
|
|
6.7 |
% |
|
|
6.3 |
% |
|
|
9.3 |
% |
|
|
9.4 |
% |
|
|
9.5 |
% |
|
|
|
6.2 |
% |
|
|
4.7 |
% |
|
|
8.6 |
% |
4
汉诺威保险集团 |
|
||||||||||||||||||||||||||||||||||||||||||||
GAAP承保和营业收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
专业 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黄大仙 |
|
|
黄大仙 |
|
|
黄大仙 |
|
|||
(单位:百万,百分比数据除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
书面毛保费 |
$ |
|
313.2 |
|
$ |
|
295.0 |
|
$ |
|
337.3 |
|
$ |
|
306.1 |
|
$ |
|
344.1 |
|
$ |
|
332.1 |
|
$ |
|
327.2 |
|
$ |
|
346.0 |
|
|
$ |
|
1,198.8 |
|
$ |
|
1,251.6 |
|
$ |
|
1,349.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费已成交 |
$ |
|
247.0 |
|
$ |
|
236.3 |
|
$ |
|
274.1 |
|
$ |
|
249.5 |
|
$ |
|
276.8 |
|
$ |
|
265.1 |
|
$ |
|
292.2 |
|
$ |
|
284.8 |
|
|
$ |
|
980.2 |
|
$ |
|
1,006.9 |
|
$ |
|
1,118.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
赚取的净保费 |
$ |
|
244.9 |
|
$ |
|
241.2 |
|
$ |
|
245.0 |
|
$ |
|
248.5 |
|
$ |
|
257.7 |
|
$ |
|
255.8 |
|
$ |
|
238.9 |
|
$ |
|
277.5 |
|
|
$ |
|
964.3 |
|
$ |
|
979.6 |
|
$ |
|
1,029.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
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|
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|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨灾损失 |
|
|
137.9 |
|
|
|
131.3 |
|
|
|
134.7 |
|
|
|
130.7 |
|
|
|
138.3 |
|
|
|
145.7 |
|
|
|
125.8 |
|
|
|
145.7 |
|
|
|
|
554.0 |
|
|
|
534.6 |
|
|
|
555.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
不包括巨灾损失的上一年不利(有利)发展 |
|
|
(3.8 |
) |
|
|
(2.3 |
) |
|
|
(0.3 |
) |
|
|
- |
|
|
|
(0.6 |
) |
|
|
(3.3 |
) |
|
|
(8.1 |
) |
|
|
(4.2 |
) |
|
|
|
9.1 |
|
|
|
(6.4 |
) |
|
|
(16.2 |
) |
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
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|
|
|
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|
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|
|
|
|
|
|
|
|
|
|
当年巨灾损失 |
|
|
6.9 |
|
|
|
12.9 |
|
|
|
20.5 |
|
|
|
6.4 |
|
|
|
24.3 |
|
|
|
7.7 |
|
|
|
17.5 |
|
|
|
4.6 |
|
|
|
|
27.0 |
|
|
|
46.7 |
|
|
|
54.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年灾害发展不利(有利) |
|
|
(0.4 |
) |
|
|
(1.3 |
) |
|
|
(1.9 |
) |
|
|
(0.5 |
) |
|
|
0.1 |
|
|
|
(3.3 |
) |
|
|
0.9 |
|
|
|
- |
|
|
|
|
(12.4 |
) |
|
|
(4.1 |
) |
|
|
(2.3 |
) |
|
|
|
|
|
|
|
|
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|
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|
|
|
|
|
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|
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|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
140.6 |
|
|
|
140.6 |
|
|
|
153.0 |
|
|
|
136.6 |
|
|
|
162.1 |
|
|
|
146.8 |
|
|
|
136.1 |
|
|
|
146.1 |
|
|
|
|
577.7 |
|
|
|
570.8 |
|
|
|
591.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
摊销递延收购成本和其他承销费用 |
|
|
90.2 |
|
|
|
87.6 |
|
|
|
89.7 |
|
|
|
92.5 |
|
|
|
93.6 |
|
|
|
90.3 |
|
|
|
87.3 |
|
|
|
98.2 |
|
|
|
|
358.1 |
|
|
|
360.0 |
|
|
|
369.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
公认会计准则承销利润 |
|
|
14.1 |
|
|
|
13.0 |
|
|
|
2.3 |
|
|
|
19.4 |
|
|
|
2.0 |
|
|
|
18.7 |
|
|
|
15.5 |
|
|
|
33.2 |
|
|
|
|
28.5 |
|
|
|
48.8 |
|
|
|
69.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净投资收益 |
|
|
13.5 |
|
|
|
11.1 |
|
|
|
12.9 |
|
|
|
13.6 |
|
|
|
14.9 |
|
|
|
16.0 |
|
|
|
15.9 |
|
|
|
16.1 |
|
|
|
|
56.1 |
|
|
|
51.1 |
|
|
|
62.9 |
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
|
|
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|
|
|
|
|
|
其他收入 |
|
|
1.2 |
|
|
|
1.3 |
|
|
|
1.5 |
|
|
|
1.4 |
|
|
|
1.6 |
|
|
|
1.7 |
|
|
|
1.6 |
|
|
|
1.5 |
|
|
|
|
4.6 |
|
|
|
5.4 |
|
|
|
6.4 |
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
其他运营费用 |
|
|
(2.1 |
) |
|
|
(2.3 |
) |
|
|
(1.9 |
) |
|
|
(1.7 |
) |
|
|
(1.5 |
) |
|
|
(1.9 |
) |
|
|
(1.6 |
) |
|
|
(1.8 |
) |
|
|
|
(5.5 |
) |
|
|
(8.0 |
) |
|
|
(6.8 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入 |
$ |
|
26.7 |
|
$ |
|
23.1 |
|
$ |
|
14.8 |
|
$ |
|
32.7 |
|
$ |
|
17.0 |
|
$ |
|
34.5 |
|
$ |
|
31.4 |
|
$ |
|
49.0 |
|
|
$ |
|
83.7 |
|
$ |
|
97.3 |
|
$ |
|
131.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
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|
|
|
|
|
|
|
|
损失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨灾损失 |
|
|
56.3 |
% |
|
|
54.5 |
% |
|
|
54.9 |
% |
|
|
52.6 |
% |
|
|
53.6 |
% |
|
|
57.0 |
% |
|
|
52.7 |
% |
|
|
52.4 |
% |
|
|
|
57.5 |
% |
|
|
54.7 |
% |
|
|
54.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年发展良好,不包括巨灾损失 |
|
|
(1.6 |
)% |
|
|
(1.0 |
)% |
|
|
(0.1 |
)% |
|
|
- |
|
|
|
(0.2 |
)% |
|
|
(1.3 |
)% |
|
|
(3.4 |
)% |
|
|
(1.5 |
)% |
|
|
|
0.9 |
% |
|
|
(0.7 |
)% |
|
|
(1.6 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当年巨灾损失 |
|
|
2.9 |
% |
|
|
5.3 |
% |
|
|
8.4 |
% |
|
|
2.6 |
% |
|
|
9.5 |
% |
|
|
3.0 |
% |
|
|
7.3 |
% |
|
|
1.7 |
% |
|
|
|
2.8 |
% |
|
|
4.7 |
% |
|
|
5.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年灾害发展不利(有利) |
|
|
(0.2 |
)% |
|
|
(0.5 |
)% |
|
|
(0.8 |
)% |
|
|
(0.2 |
)% |
|
|
- |
|
|
|
(1.3 |
)% |
|
|
0.4 |
% |
|
|
- |
|
|
|
|
(1.3 |
)% |
|
|
(0.4 |
)% |
|
|
(0.2 |
)% |
总损耗和LAE比率 |
|
|
57.4 |
% |
|
|
58.3 |
% |
|
|
62.4 |
% |
|
|
55.0 |
% |
|
|
62.9 |
% |
|
|
57.4 |
% |
|
|
57.0 |
% |
|
|
52.6 |
% |
|
|
|
59.9 |
% |
|
|
58.3 |
% |
|
|
57.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
36.6 |
% |
|
|
36.1 |
% |
|
|
36.3 |
% |
|
|
36.9 |
% |
|
|
35.9 |
% |
|
|
34.9 |
% |
|
|
36.2 |
% |
|
|
35.1 |
% |
|
|
|
37.0 |
% |
|
|
36.5 |
% |
|
|
35.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率 |
|
|
94.0 |
% |
|
|
94.4 |
% |
|
|
98.7 |
% |
|
|
91.9 |
% |
|
|
98.8 |
% |
|
|
92.3 |
% |
|
|
93.2 |
% |
|
|
87.7 |
% |
|
|
|
96.9 |
% |
|
|
94.8 |
% |
|
|
92.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率,不包括巨灾损失 |
|
|
91.3 |
% |
|
|
89.6 |
% |
|
|
91.1 |
% |
|
|
89.5 |
% |
|
|
89.3 |
% |
|
|
90.6 |
% |
|
|
85.5 |
% |
|
|
86.0 |
% |
|
|
|
95.4 |
% |
|
|
90.5 |
% |
|
|
87.9 |
% |
综合比率,不包括巨灾损失和上年发展 |
|
|
92.9 |
% |
|
|
90.6 |
% |
|
|
91.2 |
% |
|
|
89.5 |
% |
|
|
89.5 |
% |
|
|
91.9 |
% |
|
|
88.9 |
% |
|
|
87.5 |
% |
|
|
|
94.5 |
% |
|
|
91.2 |
% |
|
|
89.5 |
% |
5
汉诺威保险集团 |
|
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书面保费和相关指标 |
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专业 |
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黄大仙 |
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黄大仙 |
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黄大仙 |
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(单位:百万,百分比数据除外) |
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1Q2020 |
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2Q2020 |
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3Q2020 |
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4Q2020 |
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1Q2021 |
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2Q2021 |
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3Q2021 |
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4Q2021 |
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2019 |
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2020 |
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2021 |
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书面保费 |
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毛收入 |
$ |
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313.2 |
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$ |
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295.0 |
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$ |
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337.3 |
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$ |
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306.1 |
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$ |
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344.1 |
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$ |
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332.1 |
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$ |
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327.2 |
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$ |
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346.0 |
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$ |
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1,198.8 |
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$ |
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1,251.6 |
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$ |
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1,349.4 |
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割让 |
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(66.2 |
) |
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(58.7 |
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(63.2 |
) |
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(56.6 |
) |
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(67.3 |
) |
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(67.0 |
) |
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(35.0 |
) |
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(61.2 |
) |
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(218.6 |
) |
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(244.7 |
) |
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(230.5 |
) |
网络 |
$ |
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247.0 |
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$ |
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236.3 |
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$ |
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274.1 |
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$ |
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249.5 |
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$ |
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276.8 |
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$ |
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265.1 |
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$ |
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292.2 |
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$ |
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284.8 |
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$ |
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980.2 |
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$ |
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1,006.9 |
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$ |
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1,118.9 |
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生长 |
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3.4 |
% |
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(4.1 |
)% |
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5.3 |
% |
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6.3 |
% |
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12.1 |
% |
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12.2 |
% |
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6.6 |
% |
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14.1 |
% |
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3.5 |
% |
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2.7 |
% |
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11.1 |
% |
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按分部列出的净保费 |
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专业线和执行线 |
$ |
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86.0 |
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$ |
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75.3 |
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$ |
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88.5 |
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$ |
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81.0 |
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$ |
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94.4 |
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$ |
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81.3 |
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$ |
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98.0 |
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$ |
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93.3 |
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$ |
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306.4 |
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$ |
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330.8 |
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$ |
|
367.0 |
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特殊财产和意外伤害 |
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73.1 |
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72.6 |
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84.1 |
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80.9 |
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79.3 |
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79.8 |
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87.1 |
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101.4 |
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319.6 |
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310.7 |
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347.6 |
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海军陆战队 |
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72.7 |
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72.8 |
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85.2 |
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73.6 |
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91.1 |
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86.6 |
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90.4 |
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77.1 |
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288.6 |
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304.3 |
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345.2 |
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担保人及其他 |
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15.2 |
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15.6 |
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16.3 |
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14.0 |
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12.0 |
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17.4 |
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16.7 |
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13.0 |
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65.6 |
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61.1 |
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59.1 |
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总计 |
$ |
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247.0 |
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$ |
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236.3 |
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$ |
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274.1 |
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$ |
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249.5 |
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$ |
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276.8 |
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$ |
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265.1 |
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$ |
|
292.2 |
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$ |
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284.8 |
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$ |
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980.2 |
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$ |
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1,006.9 |
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$ |
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1,118.9 |
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相关指标 |
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保费留存 |
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82.4 |
% |
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83.2 |
% |
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84.0 |
% |
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84.4 |
% |
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82.3 |
% |
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83.1 |
% |
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85.5 |
% |
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84.8 |
% |
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80.9 |
% |
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83.5 |
% |
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83.9 |
% |
续订价格变动 |
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8.9 |
% |
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5.8 |
% |
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7.9 |
% |
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10.1 |
% |
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8.7 |
% |
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11.3 |
% |
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10.8 |
% |
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12.7 |
% |
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6.1 |
% |
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8.1 |
% |
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10.9 |
% |
6
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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个人专线 |
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黄大仙 |
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黄大仙 |
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黄大仙 |
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|||
(单位:百万,百分比数据除外) |
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1Q2020 |
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2Q2020 |
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3Q2020 |
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4Q2020 |
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1Q2021 |
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2Q2021 |
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3Q2021 |
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4Q2021 |
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2019 |
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2020 |
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2021 |
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书面毛保费 |
$ |
|
458.4 |
|
$ |
|
497.6 |
|
$ |
|
521.4 |
|
$ |
|
476.1 |
|
$ |
|
453.6 |
|
$ |
|
537.1 |
|
$ |
|
564.9 |
|
$ |
|
339.8 |
|
|
$ |
|
1,991.2 |
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$ |
|
1,953.5 |
|
$ |
|
1,895.4 |
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净保费已成交 |
$ |
|
429.3 |
|
$ |
|
466.1 |
|
$ |
|
508.0 |
|
$ |
|
462.0 |
|
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
502.2 |
|
|
$ |
|
1,874.5 |
|
$ |
|
1,865.4 |
|
$ |
|
2,009.7 |
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赚取的净保费 |
$ |
|
465.5 |
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$ |
|
438.0 |
|
$ |
|
470.3 |
|
$ |
|
470.3 |
|
$ |
|
468.9 |
|
$ |
|
476.4 |
|
$ |
|
487.4 |
|
$ |
|
496.7 |
|
|
$ |
|
1,820.3 |
|
$ |
|
1,844.1 |
|
$ |
|
1,929.4 |
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亏损和LAE: |
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本年度,不包括巨灾损失 |
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278.6 |
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219.2 |
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260.6 |
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280.7 |
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267.3 |
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277.0 |
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303.9 |
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321.6 |
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1,141.0 |
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1,039.1 |
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1,169.8 |
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不包括巨灾损失的上一年不利(有利)发展 |
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(1.6 |
) |
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(0.1 |
) |
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1.0 |
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- |
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(5.2 |
) |
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(5.0 |
) |
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(9.9 |
) |
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(3.0 |
) |
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26.6 |
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(0.7 |
) |
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(23.1 |
) |
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当年巨灾损失 |
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10.8 |
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84.0 |
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33.0 |
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25.0 |
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14.5 |
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61.6 |
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78.7 |
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23.5 |
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89.0 |
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152.8 |
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178.3 |
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前一年灾害发展不利(有利) |
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3.3 |
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(1.0 |
) |
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(0.7 |
) |
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0.1 |
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- |
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(3.0 |
) |
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- |
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- |
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(2.9 |
) |
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1.7 |
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(3.0 |
) |
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总亏损和LAE |
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|
291.1 |
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302.1 |
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293.9 |
|
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|
305.8 |
|
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276.6 |
|
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330.6 |
|
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372.7 |
|
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342.1 |
|
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1,253.7 |
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1,192.9 |
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1,322.0 |
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摊销递延收购成本和其他承销费用 |
|
|
130.3 |
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|
118.5 |
|
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|
133.4 |
|
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|
136.1 |
|
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|
133.4 |
|
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|
136.3 |
|
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|
135.0 |
|
|
|
137.6 |
|
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507.5 |
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518.3 |
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542.3 |
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公认会计准则承保利润(亏损) |
|
|
44.1 |
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|
|
17.4 |
|
|
|
43.0 |
|
|
|
28.4 |
|
|
|
58.9 |
|
|
|
9.5 |
|
|
|
(20.3 |
) |
|
|
17.0 |
|
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59.1 |
|
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132.9 |
|
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65.1 |
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净投资收益 |
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|
20.3 |
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16.5 |
|
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19.5 |
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20.4 |
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22.1 |
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21.8 |
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22.6 |
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22.9 |
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80.1 |
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76.7 |
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89.4 |
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其他收入 |
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2.7 |
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|
1.8 |
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3.5 |
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2.6 |
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2.3 |
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2.2 |
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2.6 |
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2.6 |
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11.4 |
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|
10.6 |
|
|
|
9.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他运营费用 |
|
|
(2.2 |
) |
|
|
(3.1 |
) |
|
|
(1.8 |
) |
|
|
(0.6 |
) |
|
|
(1.5 |
) |
|
|
(1.3 |
) |
|
|
(1.3 |
) |
|
|
(1.6 |
) |
|
|
|
(5.7 |
) |
|
|
(7.7 |
) |
|
|
(5.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前营业收入 |
$ |
|
64.9 |
|
$ |
|
32.6 |
|
$ |
|
64.2 |
|
$ |
|
50.8 |
|
$ |
|
81.8 |
|
$ |
|
32.2 |
|
$ |
|
3.6 |
|
$ |
|
40.9 |
|
|
|
|
144.9 |
|
|
|
212.5 |
|
$ |
|
158.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨灾损失 |
|
|
59.8 |
% |
|
|
50.1 |
% |
|
|
55.4 |
% |
|
|
59.7 |
% |
|
|
57.0 |
% |
|
|
58.1 |
% |
|
|
62.4 |
% |
|
|
64.8 |
% |
|
|
|
62.7 |
% |
|
|
56.3 |
% |
|
|
60.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨灾损失的上一年不利(有利)发展 |
|
|
(0.3 |
)% |
|
|
- |
|
|
|
0.2 |
% |
|
|
- |
|
|
|
(1.1 |
)% |
|
|
(1.0 |
)% |
|
|
(2.0 |
)% |
|
|
(0.6 |
)% |
|
|
|
1.5 |
% |
|
|
- |
|
|
|
(1.2 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当年巨灾损失 |
|
|
2.3 |
% |
|
|
19.1 |
% |
|
|
7.0 |
% |
|
|
5.3 |
% |
|
|
3.1 |
% |
|
|
12.9 |
% |
|
|
16.1 |
% |
|
|
4.7 |
% |
|
|
|
4.9 |
% |
|
|
8.3 |
% |
|
|
9.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年灾害发展不利(有利) |
|
|
0.7 |
% |
|
|
(0.2 |
)% |
|
|
(0.1 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(0.6 |
)% |
|
|
- |
|
|
|
- |
|
|
|
|
(0.2 |
)% |
|
|
0.1 |
% |
|
|
(0.2 |
)% |
总损耗和LAE比率 |
|
|
62.5 |
% |
|
|
69.0 |
% |
|
|
62.5 |
% |
|
|
65.0 |
% |
|
|
59.0 |
% |
|
|
69.4 |
% |
|
|
76.5 |
% |
|
|
68.9 |
% |
|
|
|
68.9 |
% |
|
|
64.7 |
% |
|
|
68.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费用比率 |
|
|
27.5 |
% |
|
|
26.7 |
% |
|
|
27.9 |
% |
|
|
28.4 |
% |
|
|
28.0 |
% |
|
|
28.2 |
% |
|
|
27.3 |
% |
|
|
27.3 |
% |
|
|
|
27.4 |
% |
|
|
27.7 |
% |
|
|
27.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率 |
|
|
90.0 |
% |
|
|
95.7 |
% |
|
|
90.4 |
% |
|
|
93.4 |
% |
|
|
87.0 |
% |
|
|
97.6 |
% |
|
|
103.8 |
% |
|
|
96.2 |
% |
|
|
|
96.3 |
% |
|
|
92.4 |
% |
|
|
96.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
综合比率,不包括巨灾损失 |
|
|
87.0 |
% |
|
|
76.8 |
% |
|
|
83.5 |
% |
|
|
88.1 |
% |
|
|
83.9 |
% |
|
|
85.3 |
% |
|
|
87.7 |
% |
|
|
91.5 |
% |
|
|
|
91.6 |
% |
|
|
84.0 |
% |
|
|
87.1 |
% |
综合比率,不包括巨灾损失和上年发展 |
|
|
87.3 |
% |
|
|
76.8 |
% |
|
|
83.3 |
% |
|
|
88.1 |
% |
|
|
85.0 |
% |
|
|
86.3 |
% |
|
|
89.7 |
% |
|
|
92.1 |
% |
|
|
|
90.1 |
% |
|
|
84.0 |
% |
|
|
88.3 |
% |
7
汉诺威保险集团 |
|
||||||||||||||||||||||||||||||||||||||||||||
GAAP承保和营业收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
个人专线-汽车 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黄大仙 |
|
|
黄大仙 |
|
|
黄大仙 |
|
|||
(单位:百万,百分比数据除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费已成交 |
$ |
|
279.4 |
|
$ |
|
276.8 |
|
$ |
|
311.6 |
|
$ |
|
283.7 |
|
$ |
|
280.7 |
|
$ |
|
318.6 |
|
$ |
|
330.8 |
|
$ |
|
300.3 |
|
|
$ |
|
1,186.1 |
|
$ |
|
1,151.5 |
|
$ |
|
1,230.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
赚取的净保费 |
$ |
|
293.3 |
|
$ |
|
263.9 |
|
$ |
|
295.2 |
|
$ |
|
293.4 |
|
$ |
|
291.1 |
|
$ |
|
295.6 |
|
$ |
|
301.8 |
|
$ |
|
305.3 |
|
|
$ |
|
1,152.4 |
|
$ |
|
1,145.8 |
|
$ |
|
1,193.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨灾损失 |
|
|
196.6 |
|
|
|
131.8 |
|
|
|
177.6 |
|
|
|
197.1 |
|
|
|
174.7 |
|
|
|
183.6 |
|
|
|
207.9 |
|
|
|
226.3 |
|
|
|
|
825.3 |
|
|
|
703.1 |
|
|
|
792.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨灾损失的上一年不利(有利)发展 |
|
|
2.9 |
|
|
|
- |
|
|
|
(0.1 |
) |
|
|
1.7 |
|
|
|
(5.3 |
) |
|
|
(3.8 |
) |
|
|
(10.0 |
) |
|
|
(4.4 |
) |
|
|
|
22.0 |
|
|
|
4.5 |
|
|
|
(23.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当年巨灾损失 |
|
|
0.8 |
|
|
|
5.2 |
|
|
|
3.2 |
|
|
|
1.0 |
|
|
|
0.6 |
|
|
|
9.4 |
|
|
|
7.5 |
|
|
|
2.5 |
|
|
|
|
5.7 |
|
|
|
10.2 |
|
|
|
20.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年灾害发展不利(有利) |
|
|
0.9 |
|
|
|
(0.1 |
) |
|
|
- |
|
|
|
(0.1 |
) |
|
|
- |
|
|
|
(0.7 |
) |
|
|
(0.3 |
) |
|
|
(0.3 |
) |
|
|
|
(0.4 |
) |
|
|
0.7 |
|
|
|
(1.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
201.2 |
|
|
|
136.9 |
|
|
|
180.7 |
|
|
|
199.7 |
|
|
|
170.0 |
|
|
|
188.5 |
|
|
|
205.1 |
|
|
|
224.1 |
|
|
|
|
852.6 |
|
|
|
718.5 |
|
|
|
787.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨灾损失 |
|
|
67.0 |
% |
|
|
50.0 |
% |
|
|
60.1 |
% |
|
|
67.2 |
% |
|
|
60.0 |
% |
|
|
62.2 |
% |
|
|
68.9 |
% |
|
|
74.1 |
% |
|
|
|
71.6 |
% |
|
|
61.3 |
% |
|
|
66.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨灾损失的上一年不利(有利)发展 |
|
|
1.0 |
% |
|
|
- |
|
|
|
- |
|
|
|
0.6 |
% |
|
|
(1.8 |
)% |
|
|
(1.3 |
)% |
|
|
(3.3 |
)% |
|
|
(1.4 |
)% |
|
|
|
1.9 |
% |
|
|
0.4 |
% |
|
|
(2.0 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当年巨灾损失 |
|
|
0.3 |
% |
|
|
1.9 |
% |
|
|
1.1 |
% |
|
|
0.3 |
% |
|
|
0.2 |
% |
|
|
3.1 |
% |
|
|
2.5 |
% |
|
|
0.8 |
% |
|
|
|
0.5 |
% |
|
|
0.9 |
% |
|
|
1.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年灾害发展不利(有利) |
|
|
0.3 |
% |
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
(0.2 |
)% |
|
|
(0.1 |
)% |
|
|
(0.1 |
)% |
|
|
|
- |
|
|
|
0.1 |
% |
|
|
(0.1 |
)% |
总损耗和LAE比率 |
|
|
68.6 |
% |
|
|
51.9 |
% |
|
|
61.2 |
% |
|
|
68.1 |
% |
|
|
58.4 |
% |
|
|
63.8 |
% |
|
|
68.0 |
% |
|
|
73.4 |
% |
|
|
|
74.0 |
% |
|
|
62.7 |
% |
|
|
66.0 |
% |
8
汉诺威保险集团 |
|
||||||||||||||||||||||||||||||||||||||||||||
GAAP承保和营业收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
个人电话-首页和其他 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黄大仙 |
|
|
黄大仙 |
|
|
黄大仙 |
|
|||
(单位:百万,百分比数据除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净保费已成交 |
$ |
|
149.9 |
|
$ |
|
189.3 |
|
$ |
|
196.4 |
|
$ |
|
178.3 |
|
$ |
|
158.0 |
|
$ |
|
201.8 |
|
$ |
|
217.6 |
|
$ |
|
201.9 |
|
|
$ |
|
688.4 |
|
$ |
|
713.9 |
|
$ |
|
779.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
赚取的净保费 |
$ |
|
172.2 |
|
$ |
|
174.1 |
|
$ |
|
175.1 |
|
$ |
|
176.9 |
|
$ |
|
177.8 |
|
$ |
|
180.8 |
|
$ |
|
185.6 |
|
$ |
|
191.4 |
|
|
$ |
|
667.9 |
|
$ |
|
698.3 |
|
$ |
|
735.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
亏损和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨灾损失 |
|
|
82.0 |
|
|
|
87.4 |
|
|
|
83.0 |
|
|
|
83.6 |
|
|
|
92.6 |
|
|
|
93.4 |
|
|
|
96.0 |
|
|
|
95.3 |
|
|
|
|
315.7 |
|
|
|
336.0 |
|
|
|
377.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨灾损失的上一年不利(有利)发展 |
|
|
(4.5 |
) |
|
|
(0.1 |
) |
|
|
1.1 |
|
|
|
(1.7 |
) |
|
|
0.1 |
|
|
|
(1.2 |
) |
|
|
0.1 |
|
|
|
1.4 |
|
|
|
|
4.6 |
|
|
|
(5.2 |
) |
|
|
0.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当年巨灾损失 |
|
|
10.0 |
|
|
|
78.8 |
|
|
|
29.8 |
|
|
|
24.0 |
|
|
|
13.9 |
|
|
|
52.2 |
|
|
|
71.2 |
|
|
|
21.0 |
|
|
|
|
83.3 |
|
|
|
142.6 |
|
|
|
158.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年灾害发展不利(有利) |
|
|
2.4 |
|
|
|
(0.9 |
) |
|
|
(0.7 |
) |
|
|
0.2 |
|
|
|
- |
|
|
|
(2.3 |
) |
|
|
0.3 |
|
|
|
0.3 |
|
|
|
|
(2.5 |
) |
|
|
1.0 |
|
|
|
(1.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总亏损和LAE |
|
|
89.9 |
|
|
|
165.2 |
|
|
|
113.2 |
|
|
|
106.1 |
|
|
|
106.6 |
|
|
|
142.1 |
|
|
|
167.6 |
|
|
|
118.0 |
|
|
|
|
401.1 |
|
|
|
474.4 |
|
|
|
534.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
损失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨灾损失 |
|
|
47.6 |
% |
|
|
50.2 |
% |
|
|
47.4 |
% |
|
|
47.3 |
% |
|
|
52.1 |
% |
|
|
51.7 |
% |
|
|
51.6 |
% |
|
|
49.8 |
% |
|
|
|
47.3 |
% |
|
|
48.1 |
% |
|
|
51.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨灾损失的上一年不利(有利)发展 |
|
|
(2.6 |
)% |
|
|
(0.1 |
)% |
|
|
0.6 |
% |
|
|
(1.0 |
)% |
|
|
0.1 |
% |
|
|
(0.7 |
)% |
|
|
0.1 |
% |
|
|
0.7 |
% |
|
|
|
0.7 |
% |
|
|
(0.7 |
)% |
|
|
0.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
当年巨灾损失 |
|
|
5.8 |
% |
|
|
45.3 |
% |
|
|
17.0 |
% |
|
|
13.6 |
% |
|
|
7.8 |
% |
|
|
28.9 |
% |
|
|
38.4 |
% |
|
|
11.0 |
% |
|
|
|
12.5 |
% |
|
|
20.4 |
% |
|
|
21.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年灾害发展不利(有利) |
|
|
1.4 |
% |
|
|
(0.5 |
)% |
|
|
(0.4 |
)% |
|
|
0.1 |
% |
|
|
- |
|
|
|
(1.3 |
)% |
|
|
0.2 |
% |
|
|
0.2 |
% |
|
|
|
(0.4 |
)% |
|
|
0.1 |
% |
|
|
(0.2 |
)% |
总损耗和LAE比率 |
|
|
52.2 |
% |
|
|
94.9 |
% |
|
|
64.6 |
% |
|
|
60.0 |
% |
|
|
60.0 |
% |
|
|
78.6 |
% |
|
|
90.3 |
% |
|
|
61.7 |
% |
|
|
|
60.1 |
% |
|
|
67.9 |
% |
|
|
72.6 |
% |
9
汉诺威保险集团 |
|
||||||||||||||||||||||||||||||||||||||||||||
书面保费和相关指标 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
个人专线 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黄大仙 |
|
|
黄大仙 |
|
|
黄大仙 |
|
|||
(单位:百万,百分比数据除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
书面保费 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
毛收入 |
$ |
|
458.4 |
|
$ |
|
497.6 |
|
$ |
|
521.4 |
|
$ |
|
476.1 |
|
$ |
|
453.6 |
|
$ |
|
537.1 |
|
$ |
|
564.9 |
|
$ |
|
339.8 |
|
|
$ |
|
1,991.2 |
|
$ |
|
1,953.5 |
|
$ |
|
1,895.4 |
|
割让 |
|
|
(29.1 |
) |
|
|
(31.5 |
) |
|
|
(13.4 |
) |
|
|
(14.1 |
) |
|
|
(14.9 |
) |
|
|
(16.7 |
) |
|
|
(16.5 |
) |
|
|
162.4 |
|
|
|
|
(116.7 |
) |
|
|
(88.1 |
) |
|
|
114.3 |
|
网络 |
$ |
|
429.3 |
|
$ |
|
466.1 |
|
$ |
|
508.0 |
|
$ |
|
462.0 |
|
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
502.2 |
|
|
$ |
|
1,874.5 |
|
$ |
|
1,865.4 |
|
$ |
|
2,009.7 |
|
生长 |
|
|
2.1 |
% |
|
|
-5.5 |
% |
|
|
2.3 |
% |
|
|
-0.5 |
% |
|
|
2.2 |
% |
|
|
11.6 |
% |
|
|
8.0 |
% |
|
|
8.7 |
% |
|
|
|
5.7 |
% |
|
|
-0.5 |
% |
|
|
7.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按业务类别划分的净保费 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
个人汽车 |
$ |
|
279.4 |
|
$ |
|
276.8 |
|
$ |
|
311.6 |
|
$ |
|
283.7 |
|
$ |
|
280.7 |
|
$ |
|
318.6 |
|
$ |
|
330.8 |
|
$ |
|
300.3 |
|
|
$ |
|
1,186.1 |
|
$ |
|
1,151.5 |
|
$ |
|
1,230.4 |
|
房主和其他人 |
|
|
149.9 |
|
|
|
189.3 |
|
|
|
196.4 |
|
|
|
178.3 |
|
|
|
158.0 |
|
|
|
201.8 |
|
|
|
217.6 |
|
|
|
201.9 |
|
|
|
|
688.4 |
|
|
|
713.9 |
|
|
|
779.3 |
|
总计 |
$ |
|
429.3 |
|
$ |
|
466.1 |
|
$ |
|
508.0 |
|
$ |
|
462.0 |
|
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
502.2 |
|
|
$ |
|
1,874.5 |
|
$ |
|
1,865.4 |
|
$ |
|
2,009.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
相关指标 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
续订价格变动 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
个人汽车 |
|
|
6.4 |
% |
|
|
5.7 |
% |
|
|
6.4 |
% |
|
|
6.3 |
% |
|
|
4.2 |
% |
|
|
3.5 |
% |
|
|
1.5 |
% |
|
|
1.2 |
% |
|
|
|
6.2 |
% |
|
|
6.2 |
% |
|
|
2.6 |
% |
房主 |
|
|
9.0 |
% |
|
|
8.9 |
% |
|
|
8.6 |
% |
|
|
7.9 |
% |
|
|
6.2 |
% |
|
|
5.7 |
% |
|
|
5.9 |
% |
|
|
6.9 |
% |
|
|
|
8.7 |
% |
|
|
8.6 |
% |
|
|
6.2 |
% |
总计(1) |
|
|
7.4 |
% |
|
|
6.9 |
% |
|
|
7.2 |
% |
|
|
6.9 |
% |
|
|
4.9 |
% |
|
|
4.4 |
% |
|
|
3.2 |
% |
|
|
3.4 |
% |
|
|
|
7.1 |
% |
|
|
7.1 |
% |
|
|
4.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
保单保留 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
个人汽车 |
|
|
83.9 |
% |
|
|
86.5 |
% |
|
|
81.0 |
% |
|
|
82.0 |
% |
|
|
84.0 |
% |
|
|
85.8 |
% |
|
|
88.0 |
% |
|
|
88.4 |
% |
|
|
|
84.8 |
% |
|
|
83.4 |
% |
|
|
86.5 |
% |
房主 |
|
|
84.1 |
% |
|
|
87.3 |
% |
|
|
83.3 |
% |
|
|
83.4 |
% |
|
|
84.2 |
% |
|
|
86.9 |
% |
|
|
89.3 |
% |
|
|
89.6 |
% |
|
|
|
85.7 |
% |
|
|
84.5 |
% |
|
|
87.6 |
% |
总计(1) |
|
|
84.0 |
% |
|
|
86.8 |
% |
|
|
82.1 |
% |
|
|
82.7 |
% |
|
|
84.1 |
% |
|
|
86.4 |
% |
|
|
88.6 |
% |
|
|
89.0 |
% |
|
|
|
85.2 |
% |
|
|
83.9 |
% |
|
|
87.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
PIF较上年同期的变化 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
个人汽车 |
|
|
0.7 |
% |
|
|
(0.1 |
)% |
|
|
(1.7 |
)% |
|
|
(2.8 |
)% |
|
|
(2.7 |
)% |
|
|
(0.9 |
)% |
|
|
2.7 |
% |
|
|
6.1 |
% |
|
|
|
1.4 |
% |
|
|
(2.8 |
)% |
|
|
6.1 |
% |
房主 |
|
|
1.5 |
% |
|
|
0.8 |
% |
|
|
(0.2 |
)% |
|
|
(1.1 |
)% |
|
|
(0.9 |
)% |
|
|
0.6 |
% |
|
|
3.4 |
% |
|
|
6.0 |
% |
|
|
|
2.1 |
% |
|
|
(1.1 |
)% |
|
|
6.0 |
% |
总计(1) |
|
|
1.1 |
% |
|
|
0.4 |
% |
|
|
(0.9 |
)% |
|
|
(1.9 |
)% |
|
|
(1.8 |
)% |
|
|
(0.1 |
)% |
|
|
3.1 |
% |
|
|
6.1 |
% |
|
|
|
1.8 |
% |
|
|
(1.9 |
)% |
|
|
6.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)相关指标不包括其他个人线路。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
10
汉诺威保险集团 |
非公认会计准则财务衡量标准 |
|
|
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衡量标准包括扣除利息支出和所得税前的营业收入、税后营业收入总额,以及不包括巨灾损失的营业收入和亏损以及综合比率(这里讨论的巨灾损失以及所有其他衡量标准中包括巨灾损失发展)和储备发展。 |
|
扣除利息支出和所得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权证券的公允价值变化,因为这些损益的波动由利率、金融市场和出售时机决定。扣除利息支出和所得税前的营业收入也不包括处置业务、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。扣除利息支出和所得税前的营业收入是来自核心商业、专业、个人和其他业务的营业收入(亏损)的总和。汉诺威认为,扣除利息、费用和所得税前的营业收入为投资者提供了衡量公司持续业务表现的宝贵指标,因为它们突出了业务核心业务的净收益(亏损)。 |
|
汉诺威还提供了不包括巨灾损失影响的营业收入(亏损)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、龙卷风和其他风暴、地震、冰雹、严寒天气、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,对于投资者了解定期收益和亏损比率的可变性具有重要意义。 |
|
上一年的储量发展可能有利也可能不利,这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,讨论不包括上一年准备金发展的营业收入(亏损)对投资者是有帮助的,因为它提供了对我们对本年度意外结果的估计和对上一年准备金估计的变化的洞察。 |
11
汉诺威保险集团 |
||||||||||||||
保费相关指标定义 |
||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
续订价格变动 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
核心商业和专业:表示由基本利率变化、酌情定价、特定通胀变化或保单水平敞口或保险风险变化的估计净影响导致的续保保单保费的平均变化。 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
个人额度:代表在续期时收取的保单保费的平均变化,由申报、费率通胀调整或保单级别敞口或投保风险的其他变化造成的净影响。实际书面价格变化可能有所不同,因为并非所有保单都被保留。 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
费率 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
核心商业和专业:表示因基本利率变化、酌情定价和通货膨胀而导致的续订保单保费的平均变化,不包括保单级别敞口或保险风险变化的影响。 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
个人行:表示续订时应用于保单的已批准费率活动的估计累计保费效果。实际的书面利率变化可能会有所不同,因为并非所有保单都会被保留。个人保险费率的变化不包括通货膨胀或保单级别风险敞口或保险风险的变化。 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
留着 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
核心商业及专业保费:表示所注明期间的净留存保费与同期可续期保费的比率。 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
个人行:表示所记录期间的净保留保单与同期可续订的保单的比率,包括已取消和重写的保单。 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
生效策略(PIF)更改 |
|||||||||||||
● |
表示在给定期间结束时有效的保单数量与上一年同一期间结束时相比的变化。 |
12