The Travelers Companies, Inc.
展品99.2
Financial Supplement - Third Quarter 2022
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| 页码 |
合并结果 | |
财务亮点 | 1 |
对净收益和每股收益进行对账 | 2 |
损益表 | 3 |
按主要组成部分和合并比率分列的净收入 | 4 |
核心收入 | 5 |
选定的统计数据--财产和意外伤害业务 | 6 |
书面保费和赚取的保费-财产和意外伤害业务 | 7 |
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商业保险 | |
分部收入 | 8 |
按主要组成部分和合并比率分列的分部收入 | 9 |
选定的统计信息 | 10 |
净书面保费 | 11 |
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债券及专业保险 | |
分部收入 | 12 |
按主要组成部分和合并比率分列的分部收入 | 13 |
选定的统计信息 | 14 |
净书面保费 | 15 |
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人身保险 | |
分部收入(亏损) | 16 |
按主要组成部分和合并比率分列的分部收入(亏损) | 17 |
选定的统计信息 | 18 |
净书面保费 | 19 |
精选统计数据--汽车 | 20 |
精选统计数据--房主和其他 | 21 |
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补充详细信息 | |
利息支出和其他 | 22 |
合并资产负债表 | 23 |
投资组合 | 24 |
投资组合-固定到期日数据 | 25 |
投资收益 | 26 |
计入股东权益的已实现投资净收益(亏损)和未实现投资净收益(亏损) | 27 |
再保险可追回款项 | 28 |
损失准备和损失调整费用净额 | 29 |
石棉储量 | 30 |
大写 | 31 |
法定资本和盈余对公认会计准则股东权益的调节 | 32 |
现金流量表 | 33 |
现金流量表(续) | 34 |
财务指标词汇表和可报告业务分类说明 | 35-36 |
财务补编所列资料未经审计。本文件应与公司将提交给美国证券交易委员会的10-Q表格一并阅读。
The Travelers Companies, Inc.
财务亮点
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(美元和股票,单位为百万,每股数据除外) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
净收入 | | $ | 733 | | | $ | 934 | | | $ | 662 | | | $ | 1,333 | | | $ | 1,018 | | | $ | 551 | | | $ | 454 | | | | | | | | | $ | 2,329 | | | $ | 2,023 | | | | | |
每股净收益: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
基本信息 | | $ | 2.89 | | | $ | 3.70 | | | $ | 2.65 | | | $ | 5.43 | | | $ | 4.20 | | | $ | 2.29 | | | $ | 1.91 | | | | | | | | | $ | 9.24 | | | $ | 8.43 | | | | | |
稀释 | | $ | 2.87 | | | $ | 3.66 | | | $ | 2.62 | | | $ | 5.37 | | | $ | 4.15 | | | $ | 2.27 | | | $ | 1.89 | | | | | | | | | $ | 9.16 | | | $ | 8.34 | | | | | |
核心收入 | | $ | 699 | | | $ | 879 | | | $ | 655 | | | $ | 1,289 | | | $ | 1,037 | | | $ | 625 | | | $ | 526 | | | | | | | | | $ | 2,233 | | | $ | 2,188 | | | | | |
每股核心收益: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
基本信息 | | $ | 2.75 | | | $ | 3.48 | | | $ | 2.63 | | | $ | 5.25 | | | $ | 4.27 | | | $ | 2.60 | | | $ | 2.22 | | | | | | | | | $ | 8.86 | | | $ | 9.12 | | | | | |
稀释 | | $ | 2.73 | | | $ | 3.45 | | | $ | 2.60 | | | $ | 5.20 | | | $ | 4.22 | | | $ | 2.57 | | | $ | 2.20 | | | | | | | | | $ | 8.78 | | | $ | 9.02 | | | | | |
股本回报率 | | 10.2 | % | | 13.0 | % | | 9.2 | % | | 18.6 | % | | 15.0 | % | | 9.1 | % | | 8.5 | % | | | | | | | | 10.8 | % | | 11.1 | % | | | | |
核心股本回报率 | | 11.1 | % | | 13.7 | % | | 10.1 | % | | 19.8 | % | | 15.5 | % | | 9.3 | % | | 7.9 | % | | | | | | | | 11.6 | % | | 10.9 | % | | | | |
期末总资产 | | $ | 117,032 | | | $ | 119,759 | | | $ | 120,706 | | | $ | 120,466 | | | $ | 118,592 | | | $ | 116,587 | | | $ | 114,317 | | | | | | | | | $ | 120,706 | | | $ | 114,317 | | | | | |
期末总股本 | | $ | 28,269 | | | $ | 29,156 | | | $ | 28,474 | | | $ | 28,887 | | | $ | 25,531 | | | $ | 22,874 | | | $ | 19,906 | | | | | | | | | $ | 28,474 | | | $ | 19,906 | | | | | |
期末每股账面价值 | | $ | 112.42 | | | $ | 116.86 | | | $ | 115.74 | | | $ | 119.77 | | | $ | 106.40 | | | $ | 96.39 | | | $ | 84.94 | | | | | | | | | $ | 115.74 | | | $ | 84.94 | | | | | |
减去:未实现投资净收益(亏损),税后净额 | | 11.21 | | | 12.98 | | | 10.97 | | | 10.01 | | | (5.79) | | | (15.98) | | | (26.96) | | | | | | | | | 10.97 | | | (26.96) | | | | | |
期末调整后每股账面价值 | | $ | 101.21 | | | $ | 103.88 | | | $ | 104.77 | | | $ | 109.76 | | | $ | 112.19 | | | $ | 112.37 | | | $ | 111.90 | | | | | | | | | $ | 104.77 | | | $ | 111.90 | | | | | |
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已发行普通股加权平均数(基本) | | 252.1 | | | 250.7 | | | 247.7 | | | 243.8 | | | 240.9 | | | 238.4 | | | 235.4 | | | | | | | | | 250.1 | | | 238.3 | | | | | |
已发行普通股和普通股等价物的加权平均数(稀释) | | 254.1 | | | 253.1 | | | 250.1 | | | 246.4 | | | 243.7 | | | 241.1 | | | 237.9 | | | | | | | | | 252.4 | | | 240.9 | | | | | |
期末已发行普通股 | | 251.5 | | | 249.5 | | | 246.0 | | | 241.2 | | | 240.0 | | | 237.3 | | | 234.3 | | | | | | | | | 246.0 | | | 234.3 | | | | | |
宣布普通股股息 | | $ | 216 | | | $ | 224 | | | $ | 220 | | | $ | 216 | | | $ | 214 | | | $ | 225 | | | $ | 221 | | | | | | | | | $ | 660 | | | $ | 660 | | | | | |
回购普通股: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
在董事会授权下 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
股票 | | 2.4 | | | 2.6 | | | 3.8 | | | 5.1 | | | 2.9 | | | 2.9 | | | 3.1 | | | | | | | | | 8.8 | | | 8.9 | | | | | |
成本 | | $ | 356 | | | $ | 400 | | | $ | 600 | | | $ | 800 | | | $ | 500 | | | $ | 500 | | | $ | 500 | | | | | | | | | $ | 1,356 | | | $ | 1,500 | | | | | |
其他 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
股票 | | 0.3 | | | — | | | — | | | — | | | 0.4 | | | — | | | — | | | | | | | | | 0.3 | | | 0.4 | | | | | |
成本 | | $ | 41 | | | $ | 1 | | | $ | 1 | | | $ | 1 | | | $ | 59 | | | $ | — | | | $ | 1 | | | | | | | | | $ | 43 | | | $ | 60 | | | | | |
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见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
对净收益和每股收益进行对账
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(以百万美元为单位的股票,不包括每股收益) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
净收入 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
净收入 | | $ | 733 | | | $ | 934 | | | $ | 662 | | | $ | 1,333 | | | $ | 1,018 | | | $ | 551 | | | $ | 454 | | | | | | | | | $ | 2,329 | | | $ | 2,023 | | | | | |
调整: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
已实现投资(收益)净亏损,税后 | | (34) | | | (47) | | | (7) | | | (44) | | | 19 | | | 74 | | | 72 | | | | | | | | | (88) | | | 165 | | | | | |
税法和/或税率变化的影响(1) | | — | | | (8) | | | — | | | — | | | — | | | — | | | — | | | | | | | | | (8) | | | — | | | | | |
核心收入 | | $ | 699 | | | $ | 879 | | | $ | 655 | | | $ | 1,289 | | | $ | 1,037 | | | $ | 625 | | | $ | 526 | | | | | | | | | $ | 2,233 | | | $ | 2,188 | | | | | |
基本每股收益 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
净收入 | | $ | 2.89 | | | $ | 3.70 | | | $ | 2.65 | | | $ | 5.43 | | | $ | 4.20 | | | $ | 2.29 | | | $ | 1.91 | | | | | | | | | $ | 9.24 | | | $ | 8.43 | | | | | |
调整: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
已实现投资(收益)净亏损,税后 | | (0.14) | | | (0.19) | | | (0.02) | | | (0.18) | | | 0.07 | | | 0.31 | | | 0.31 | | | | | | | | | (0.35) | | | 0.69 | | | | | |
税法和/或税率变化的影响(1) | | — | | | (0.03) | | | — | | | — | | | — | | | — | | | — | | | | | | | | | (0.03) | | | — | | | | | |
核心收入 | | $ | 2.75 | | | $ | 3.48 | | | $ | 2.63 | | | $ | 5.25 | | | $ | 4.27 | | | $ | 2.60 | | | $ | 2.22 | | | | | | | | | $ | 8.86 | | | $ | 9.12 | | | | | |
稀释后每股收益 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
净收入 | | $ | 2.87 | | | $ | 3.66 | | | $ | 2.62 | | | $ | 5.37 | | | $ | 4.15 | | | $ | 2.27 | | | $ | 1.89 | | | | | | | | | $ | 9.16 | | | $ | 8.34 | | | | | |
调整: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
已实现投资(收益)净亏损,税后 | | (0.14) | | | (0.18) | | | (0.02) | | | (0.17) | | | 0.07 | | | 0.30 | | | 0.31 | | | | | | | | | (0.35) | | | 0.68 | | | | | |
税法和/或税率变化的影响(1) | | — | | | (0.03) | | | — | | | — | | | — | | | — | | | — | | | | | | | | | (0.03) | | | — | | | | | |
核心收入 | | $ | 2.73 | | | $ | 3.45 | | | $ | 2.60 | | | $ | 5.20 | | | $ | 4.22 | | | $ | 2.57 | | | $ | 2.20 | | | | | | | | | $ | 8.78 | | | $ | 9.02 | | | | | |
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调整净收入和加权平均份额以计算净收入每股收益:(2)
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基本版和稀释版 | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
净收益,如报告 | | $ | 733 | | | $ | 934 | | | $ | 662 | | | $ | 1,333 | | | $ | 1,018 | | | $ | 551 | | | $ | 454 | | | | | | | | | $ | 2,329 | | | $ | 2,023 | | | | | |
参股奖励--分配收入 | | (5) | | | (7) | | | (5) | | | (10) | | | (7) | | | (4) | | | (4) | | | | | | | | | (17) | | | (15) | | | | | |
普通股股东可获得的净收益--基本收益和摊薄收益 | | $ | 728 | | | $ | 927 | | | $ | 657 | | | $ | 1,323 | | | $ | 1,011 | | | $ | 547 | | | $ | 450 | | | | | | | | | $ | 2,312 | | | $ | 2,008 | | | | | |
普通股 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
基本信息 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
加权平均流通股 | | 252.1 | | | 250.7 | | | 247.7 | | | 243.8 | | | 240.9 | | | 238.4 | | | 235.4 | | | | | | | | | 250.1 | | | 238.3 | | | | | |
稀释 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
加权平均流通股 | | 252.1 | | | 250.7 | | | 247.7 | | | 243.8 | | | 240.9 | | | 238.4 | | | 235.4 | | | | | | | | | 250.1 | | | 238.3 | | | | | |
稀释性证券的加权平均效应--股票期权和绩效股票 | | 2.0 | | | 2.4 | | | 2.4 | | | 2.6 | | | 2.8 | | | 2.7 | | | 2.5 | | | | | | | | | 2.3 | | | 2.6 | | | | | |
稀释加权平均流通股 | | 254.1 | | | 253.1 | | | 250.1 | | | 246.4 | | | 243.7 | | | 241.1 | | | 237.9 | | | | | | | | | 252.4 | | | 240.9 | | | | | |
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(1)在变更颁布的会计期间确认影响。
(2)对净收益和净收益每股收益计算的加权平均份额的调整一般可用于核心收益每股收益的计算。
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
损益表--综合
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(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
收入 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
保费 | | $ | 7,386 | | | $ | 7,616 | | | $ | 7,829 | | | $ | 8,024 | | | $ | 8,014 | | | $ | 8,317 | | | $ | 8,615 | | | | | | | | | $ | 22,831 | | | $ | 24,946 | | | | | |
净投资收益 | | 701 | | | 818 | | | 771 | | | 743 | | | 637 | | | 707 | | | 593 | | | | | | | | | 2,290 | | | 1,937 | | | | | |
费用收入 | | 101 | | | 104 | | | 97 | | | 100 | | | 103 | | | 100 | | | 104 | | | | | | | | | 302 | | | 307 | | | | | |
已实现投资净收益(亏损) | | 44 | | | 61 | | | 8 | | | 58 | | | (23) | | | (95) | | | (93) | | | | | | | | | 113 | | | (211) | | | | | |
其他收入 | | 81 | | | 88 | | | 100 | | | 86 | | | 78 | | | 107 | | | 84 | | | | | | | | | 269 | | | 269 | | | | | |
总收入 | | 8,313 | | | 8,687 | | | 8,805 | | | 9,011 | | | 8,809 | | | 9,136 | | | 9,303 | | | | | | | | | 25,805 | | | 27,248 | | | | | |
索赔和费用 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
理赔和理赔费用 | | 4,970 | | | 5,045 | | | 5,464 | | | 4,819 | | | 5,039 | | | 5,803 | | | 6,088 | | | | | | | | | 15,479 | | | 16,930 | | | | | |
递延收购成本的摊销 | | 1,207 | | | 1,254 | | | 1,281 | | | 1,301 | | | 1,310 | | | 1,365 | | | 1,406 | | | | | | | | | 3,742 | | | 4,081 | | | | | |
一般和行政费用 | | 1,163 | | | 1,174 | | | 1,187 | | | 1,153 | | | 1,191 | | | 1,223 | | | 1,193 | | | | | | | | | 3,524 | | | 3,607 | | | | | |
利息支出 | | 82 | | | 83 | | | 87 | | | 88 | | | 87 | | | 88 | | | 88 | | | | | | | | | 252 | | | 263 | | | | | |
索赔和费用总额 | | 7,422 | | | 7,556 | | | 8,019 | | | 7,361 | | | 7,627 | | | 8,479 | | | 8,775 | | | | | | | | | 22,997 | | | 24,881 | | | | | |
所得税前收入 | | 891 | | | 1,131 | | | 786 | | | 1,650 | | | 1,182 | | | 657 | | | 528 | | | | | | | | | 2,808 | | | 2,367 | | | | | |
所得税费用 | | 158 | | | 197 | | | 124 | | | 317 | | | 164 | | | 106 | | | 74 | | | | | | | | | 479 | | | 344 | | | | | |
净收入 | | $ | 733 | | | $ | 934 | | | $ | 662 | | | $ | 1,333 | | | $ | 1,018 | | | $ | 551 | | | $ | 454 | | | | | | | | | $ | 2,329 | | | $ | 2,023 | | | | | |
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其他统计数字 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
净投资收益的实际税率 | | 15.9 | % | | 16.7 | % | | 16.3 | % | | 16.0 | % | | 15.4 | % | | 15.8 | % | | 14.8 | % | | | | | | | | 16.3 | % | | 15.4 | % | | | | |
净投资收益(税后) | | $ | 590 | | | $ | 682 | | | $ | 645 | | | $ | 624 | | | $ | 539 | | | $ | 595 | | | $ | 505 | | | | | | | | | $ | 1,917 | | | $ | 1,639 | | | | | |
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巨灾,再保险净额: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 835 | | | $ | 475 | | | $ | 501 | | | $ | 36 | | | $ | 160 | | | $ | 746 | | | $ | 512 | | | | | | | | | $ | 1,811 | | | $ | 1,418 | | | | | |
税后 | | $ | 659 | | | $ | 376 | | | $ | 395 | | | $ | 29 | | | $ | 127 | | | $ | 587 | | | $ | 404 | | | | | | | | | $ | 1,430 | | | $ | 1,118 | | | | | |
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上一年度储备发展-有利(不利): | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 317 | | | $ | 182 | | | $ | (56) | | | $ | 95 | | | $ | 153 | | | $ | 291 | | | $ | 20 | | | | | | | | | $ | 443 | | | $ | 464 | | | | | |
税后 | | $ | 249 | | | $ | 144 | | | $ | (44) | | | $ | 75 | | | $ | 122 | | | $ | 229 | | | $ | 16 | | | | | | | | | $ | 349 | | | $ | 367 | | | | | |
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见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
按主要组成部分和合并比率分列的净收入--合并
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(单位:百万美元,扣除税金) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
承保收益 | | $ | 166 | | | $ | 253 | | | $ | 68 | | | $ | 729 | | | $ | 575 | | | $ | 86 | | | $ | 90 | | | | | | | | | $ | 487 | | | $ | 751 | | | | | |
净投资收益 | | 590 | | | 682 | | | 645 | | | 624 | | | 539 | | | 595 | | | 505 | | | | | | | | | 1,917 | | | 1,639 | | | | | |
其他收入(支出),包括利息支出 | | (57) | | | (56) | | | (58) | | | (64) | | | (77) | | | (56) | | | (69) | | | | | | | | | (171) | | | (202) | | | | | |
核心收入 | | 699 | | | 879 | | | 655 | | | 1,289 | | | 1,037 | | | 625 | | | 526 | | | | | | | | | 2,233 | | | 2,188 | | | | | |
已实现投资净收益(亏损) | | 34 | | | 47 | | | 7 | | | 44 | | | (19) | | | (74) | | | (72) | | | | | | | | | 88 | | | (165) | | | | | |
税法和/或税率变化的影响(1) | | — | | | 8 | | | — | | | — | | | — | | | — | | | — | | | | | | | | | 8 | | | — | | | | | |
净收入 | | $ | 733 | | | $ | 934 | | | $ | 662 | | | $ | 1,333 | | | $ | 1,018 | | | $ | 551 | | | $ | 454 | | | | | | | | | $ | 2,329 | | | $ | 2,023 | | | | | |
综合比率(2)(3) | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
亏损及亏损调整费用比率 | | 66.7 | % | | 65.6 | % | | 69.2 | % | | 59.5 | % | | 62.3 | % | | 69.3 | % | | 70.1 | % | | | | | | | | 67.2 | % | | 67.3 | % | | | | |
承保费用比率 | | 29.9 | % | | 29.7 | % | | 29.4 | % | | 28.5 | % | | 29.0 | % | | 29.0 | % | | 28.1 | % | | | | | | | | 29.6 | % | | 28.7 | % | | | | |
综合比率 | | 96.6 | % | | 95.3 | % | | 98.6 | % | | 88.0 | % | | 91.3 | % | | 98.3 | % | | 98.2 | % | | | | | | | | 96.8 | % | | 96.0 | % | | | | |
对合并比率的影响: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
上一年净(有利)不利储量发展 | | (4.2) | % | | (2.4) | % | | 0.8 | % | | (1.2) | % | | (1.9) | % | | (3.5) | % | | (0.2) | % | | | | | | | | (1.9) | % | | (1.9) | % | | | | |
巨灾,再保险净额 | | 11.3 | % | | 6.3 | % | | 6.4 | % | | 0.5 | % | | 2.0 | % | | 9.0 | % | | 5.9 | % | | | | | | | | 7.9 | % | | 5.7 | % | | | | |
基础综合比率 | | 89.5 | % | | 91.4 | % | | 91.4 | % | | 88.7 | % | | 91.2 | % | | 92.8 | % | | 92.5 | % | | | | | | | | 90.8 | % | | 92.2 | % | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(1)在变更颁布的会计期间确认影响。
(2)在投保人分红之前。
(3)账单和保单费用及其他费用是其他收入的一部分,作为减少承保费用分配。此外,手续费收入作为减损及亏损调整费用和承保费用分配。这些分配是为了使合并比率的计算符合法定会计。此外,一般和行政费用包括不包括在承保费用之外的非保险费用,因此在计算合并比率时也不包括在内。请参阅以下内容:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
帐单和保单费用及其他 | | $ | 27 | | | $ | 27 | | | $ | 27 | | | $ | 26 | | | $ | 27 | | | $ | 27 | | | $ | 27 | | | | | | | | | $ | 81 | | | $ | 81 | | | | | |
费用收入: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
亏损及亏损调整费用 | | $ | 38 | | | $ | 39 | | | $ | 36 | | | $ | 37 | | | $ | 35 | | | $ | 39 | | | $ | 38 | | | | | | | | | $ | 113 | | | $ | 112 | | | | | |
承保费用 | | 63 | | | 65 | | | 61 | | | 63 | | | 68 | | | 61 | | | 66 | | | | | | | | | 189 | | | 195 | | | | | |
手续费总收入 | | $ | 101 | | | $ | 104 | | | $ | 97 | | | $ | 100 | | | $ | 103 | | | $ | 100 | | | $ | 104 | | | | | | | | | $ | 302 | | | $ | 307 | | | | | |
非保险费和行政费 | | $ | 70 | | | $ | 77 | | | $ | 81 | | | $ | 75 | | | $ | 82 | | | $ | 87 | | | $ | 83 | | | | | | | | | $ | 228 | | | $ | 252 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
核心收入--综合
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
收入 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
保费 | | $ | 7,386 | | | $ | 7,616 | | | $ | 7,829 | | | $ | 8,024 | | | $ | 8,014 | | | $ | 8,317 | | | $ | 8,615 | | | | | | | | | $ | 22,831 | | | $ | 24,946 | | | | | |
净投资收益 | | 701 | | | 818 | | | 771 | | | 743 | | | 637 | | | 707 | | | 593 | | | | | | | | | 2,290 | | | 1,937 | | | | | |
费用收入 | | 101 | | | 104 | | | 97 | | | 100 | | | 103 | | | 100 | | | 104 | | | | | | | | | 302 | | | 307 | | | | | |
其他收入 | | 81 | | | 88 | | | 100 | | | 86 | | | 78 | | | 107 | | | 84 | | | | | | | | | 269 | | | 269 | | | | | |
总收入 | | 8,269 | | | 8,626 | | | 8,797 | | | 8,953 | | | 8,832 | | | 9,231 | | | 9,396 | | | | | | | | | 25,692 | | | 27,459 | | | | | |
索赔和费用 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
理赔和理赔费用 | | 4,970 | | | 5,045 | | | 5,464 | | | 4,819 | | | 5,039 | | | 5,803 | | | 6,088 | | | | | | | | | 15,479 | | | 16,930 | | | | | |
递延收购成本的摊销 | | 1,207 | | | 1,254 | | | 1,281 | | | 1,301 | | | 1,310 | | | 1,365 | | | 1,406 | | | | | | | | | 3,742 | | | 4,081 | | | | | |
一般和行政费用 | | 1,163 | | | 1,174 | | | 1,187 | | | 1,153 | | | 1,191 | | | 1,223 | | | 1,193 | | | | | | | | | 3,524 | | | 3,607 | | | | | |
利息支出 | | 82 | | | 83 | | | 87 | | | 88 | | | 87 | | | 88 | | | 88 | | | | | | | | | 252 | | | 263 | | | | | |
索赔和费用总额 | | 7,422 | | | 7,556 | | | 8,019 | | | 7,361 | | | 7,627 | | | 8,479 | | | 8,775 | | | | | | | | | 22,997 | | | 24,881 | | | | | |
所得税前核心收入 | | 847 | | | 1,070 | | | 778 | | | 1,592 | | | 1,205 | | | 752 | | | 621 | | | | | | | | | 2,695 | | | 2,578 | | | | | |
所得税费用 | | 148 | | | 191 | | | 123 | | | 303 | | | 168 | | | 127 | | | 95 | | | | | | | | | 462 | | | 390 | | | | | |
核心收入 | | $ | 699 | | | $ | 879 | | | $ | 655 | | | $ | 1,289 | | | $ | 1,037 | | | $ | 625 | | | $ | 526 | | | | | | | | | $ | 2,233 | | | $ | 2,188 | | | | | |
其他统计数字 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
净投资收益的实际税率 | | 15.9 | % | | 16.7 | % | | 16.3 | % | | 16.0 | % | | 15.4 | % | | 15.8 | % | | 14.8 | % | | | | | | | | 16.3 | % | | 15.4 | % | | | | |
净投资收益(税后) | | $ | 590 | | | $ | 682 | | | $ | 645 | | | $ | 624 | | | $ | 539 | | | $ | 595 | | | $ | 505 | | | | | | | | | $ | 1,917 | | | $ | 1,639 | | | | | |
巨灾,再保险净额: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 835 | | | $ | 475 | | | $ | 501 | | | $ | 36 | | | $ | 160 | | | $ | 746 | | | $ | 512 | | | | | | | | | $ | 1,811 | | | $ | 1,418 | | | | | |
税后 | | $ | 659 | | | $ | 376 | | | $ | 395 | | | $ | 29 | | | $ | 127 | | | $ | 587 | | | $ | 404 | | | | | | | | | $ | 1,430 | | | $ | 1,118 | | | | | |
上一年度储备发展-有利(不利): | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 317 | | | $ | 182 | | | $ | (56) | | | $ | 95 | | | $ | 153 | | | $ | 291 | | | $ | 20 | | | | | | | | | $ | 443 | | | $ | 464 | | | | | |
税后 | | $ | 249 | | | $ | 144 | | | $ | (44) | | | $ | 75 | | | $ | 122 | | | $ | 229 | | | $ | 16 | | | | | | | | | $ | 349 | | | $ | 367 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
选定的统计数据--财产和意外伤害业务
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
法定承销 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛保费 | | $ | 8,407 | | | $ | 8,597 | | | $ | 8,876 | | | $ | 8,364 | | | $ | 9,283 | | | $ | 9,536 | | | $ | 9,812 | | | | | | | | | $ | 25,880 | | | $ | 28,631 | | | | | |
净书面保费 | | $ | 7,505 | | | $ | 8,135 | | | $ | 8,324 | | | $ | 8,002 | | | $ | 8,367 | | | $ | 9,020 | | | $ | 9,198 | | | | | | | | | $ | 23,964 | | | $ | 26,585 | | | | | |
净赚得保费 | | $ | 7,386 | | | $ | 7,616 | | | $ | 7,829 | | | $ | 8,029 | | | $ | 8,016 | | | $ | 8,316 | | | $ | 8,615 | | | | | | | | | $ | 22,831 | | | $ | 24,947 | | | | | |
亏损及亏损调整费用 | | 4,920 | | | 5,003 | | | 5,415 | | | 4,773 | | | 4,994 | | | 5,758 | | | 6,034 | | | | | | | | | 15,338 | | | 16,786 | | | | | |
承保费用 | | 2,276 | | | 2,361 | | | 2,385 | | | 2,269 | | | 2,441 | | | 2,568 | | | 2,533 | | | | | | | | | 7,022 | | | 7,542 | | | | | |
法定承保损益 | | 190 | | | 252 | | | 29 | | | 987 | | | 581 | | | (10) | | | 48 | | | | | | | | | 471 | | | 619 | | | | | |
投保人分红 | | 11 | | | 10 | | | 10 | | | 10 | | | 11 | | | 6 | | | 14 | | | | | | | | | 31 | | | 31 | | | | | |
投保人分红后的法定承保损益 | | $ | 179 | | | $ | 242 | | | $ | 19 | | | $ | 977 | | | $ | 570 | | | $ | (16) | | | $ | 34 | | | | | | | | | $ | 440 | | | $ | 588 | | | | | |
其他法定统计数字 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
损失准备金和损失调整费用 | | $ | 47,153 | | | $ | 47,893 | | | $ | 48,662 | | | $ | 48,589 | | | $ | 49,027 | | | $ | 49,676 | | | $ | 50,139 | | | | | | | | | $ | 48,662 | | | $ | 50,139 | | | | | |
储备增加(减少) | | $ | 906 | | | $ | 740 | | | $ | 769 | | | $ | (73) | | | $ | 438 | | | $ | 649 | | | $ | 463 | | | | | | | | | $ | 2,415 | | | $ | 1,550 | | | | | |
法定资本和盈余 | | $ | 22,403 | | | $ | 22,797 | | | $ | 22,987 | | | $ | 23,906 | | | $ | 24,168 | | | $ | 23,776 | | | $ | 23,375 | | | | | | | | | $ | 22,987 | | | $ | 23,375 | | | | | |
净保费/盈余(1) | | 1.33:1 | | 1.35:1 | | 1.36:1 | | 1.34:1 | | 1.36:1 | | 1.42:1 | | 1.48:1 | | | | | | | | 1.36:1 | | 1.48:1 | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(1)根据12个月滚动净保费计算。
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
书面保费和赚取的保费-财产和意外伤害业务
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
书面保费 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛收入 | | $ | 8,407 | | | $ | 8,597 | | | $ | 8,876 | | | $ | 8,364 | | | $ | 9,283 | | | $ | 9,536 | | | $ | 9,812 | | | | | | | | | $ | 25,880 | | | $ | 28,631 | | | | | |
割让 | | (902) | | | (462) | | | (552) | | | (369) | | | (916) | | | (516) | | | (614) | | | | | | | | | (1,916) | | | (2,046) | | | | | |
网络 | | $ | 7,505 | | | $ | 8,135 | | | $ | 8,324 | | | $ | 7,995 | | | $ | 8,367 | | | $ | 9,020 | | | $ | 9,198 | | | | | | | | | $ | 23,964 | | | $ | 26,585 | | | | | |
赚取的保费 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛收入 | | $ | 7,895 | | | $ | 8,164 | | | $ | 8,376 | | | $ | 8,574 | | | $ | 8,565 | | | $ | 8,897 | | | $ | 9,216 | | | | | | | | | $ | 24,435 | | | $ | 26,678 | | | | | |
割让 | | (509) | | | (548) | | | (547) | | | (550) | | | (551) | | | (580) | | | (601) | | | | | | | | | (1,604) | | | (1,732) | | | | | |
网络 | | $ | 7,386 | | | $ | 7,616 | | | $ | 7,829 | | | $ | 8,024 | | | $ | 8,014 | | | $ | 8,317 | | | $ | 8,615 | | | | | | | | | $ | 22,831 | | | $ | 24,946 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
分部收入--商业保险
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
收入 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
保费 | | $ | 3,799 | | | $ | 3,880 | | | $ | 3,970 | | | $ | 4,085 | | | $ | 4,071 | | | $ | 4,218 | | | $ | 4,353 | | | | | | | | | $ | 11,649 | | | $ | 12,642 | | | | | |
净投资收益 | | 523 | | | 615 | | | 575 | | | 552 | | | 468 | | | 521 | | | 426 | | | | | | | | | 1,713 | | | 1,415 | | | | | |
费用收入 | | 95 | | | 97 | | | 90 | | | 93 | | | 96 | | | 93 | | | 96 | | | | | | | | | 282 | | | 285 | | | | | |
其他收入 | | 53 | | | 57 | | | 69 | | | 56 | | | 53 | | | 85 | | | 56 | | | | | | | | | 179 | | | 194 | | | | | |
总收入 | | 4,470 | | | 4,649 | | | 4,704 | | | 4,786 | | | 4,688 | | | 4,917 | | | 4,931 | | | | | | | | | 13,823 | | | 14,536 | | | | | |
索赔和费用 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
理赔和理赔费用 | | 2,788 | | | 2,539 | | | 2,703 | | | 2,368 | | | 2,514 | | | 2,698 | | | 2,959 | | | | | | | | | 8,030 | | | 8,171 | | | | | |
递延收购成本的摊销 | | 627 | | | 642 | | | 653 | | | 659 | | | 668 | | | 691 | | | 708 | | | | | | | | | 1,922 | | | 2,067 | | | | | |
一般和行政费用 | | 683 | | | 688 | | | 684 | | | 691 | | | 697 | | | 714 | | | 704 | | | | | | | | | 2,055 | | | 2,115 | | | | | |
索赔和费用总额 | | 4,098 | | | 3,869 | | | 4,040 | | | 3,718 | | | 3,879 | | | 4,103 | | | 4,371 | | | | | | | | | 12,007 | | | 12,353 | | | | | |
分部所得税前收入 | | 372 | | | 780 | | | 664 | | | 1,068 | | | 809 | | | 814 | | | 560 | | | | | | | | | 1,816 | | | 2,183 | | | | | |
所得税费用 | | 55 | | | 137 | | | 106 | | | 201 | | | 140 | | | 148 | | | 89 | | | | | | | | | 298 | | | 377 | | | | | |
分部收入 | | $ | 317 | | | $ | 643 | | | $ | 558 | | | $ | 867 | | | $ | 669 | | | $ | 666 | | | $ | 471 | | | | | | | | | $ | 1,518 | | | $ | 1,806 | | | | | |
其他统计数字 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
净投资收益的实际税率 | | 15.8 | % | | 16.7 | % | | 16.3 | % | | 16.0 | % | | 15.3 | % | | 15.8 | % | | 14.6 | % | | | | | | | | 16.3 | % | | 15.3 | % | | | | |
净投资收益(税后) | | $ | 441 | | | $ | 511 | | | $ | 481 | | | $ | 464 | | | $ | 396 | | | $ | 439 | | | $ | 364 | | | | | | | | | $ | 1,433 | | | $ | 1,199 | | | | | |
巨灾,再保险净额: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 506 | | | $ | 149 | | | $ | 181 | | | $ | (43) | | | $ | 79 | | | $ | 234 | | | $ | 216 | | | | | | | | | $ | 836 | | | $ | 529 | | | | | |
税后 | | $ | 399 | | | $ | 119 | | | $ | 143 | | | $ | (34) | | | $ | 63 | | | $ | 184 | | | $ | 170 | | | | | | | | | $ | 661 | | | $ | 417 | | | | | |
上一年度储备发展-有利(不利): | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 134 | | | $ | 73 | | | $ | (108) | | | $ | 74 | | | $ | 113 | | | $ | 202 | | | $ | (61) | | | | | | | | | $ | 99 | | | $ | 254 | | | | | |
税后 | | $ | 105 | | | $ | 58 | | | $ | (86) | | | $ | 58 | | | $ | 90 | | | $ | 159 | | | $ | (48) | | | | | | | | | $ | 77 | | | $ | 201 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
按主要组成部分和合并比率划分的分部收入-商业保险
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(单位:百万美元,扣除税金) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
承保损益 | | $ | (116) | | | $ | 137 | | | $ | 80 | | | $ | 412 | | | $ | 291 | | | $ | 220 | | | $ | 117 | | | | | | | | | $ | 101 | | | $ | 628 | | | | | |
净投资收益 | | 441 | | | 511 | | | 481 | | | 464 | | | 396 | | | 439 | | | 364 | | | | | | | | | 1,433 | | | 1,199 | | | | | |
其他收入(费用) | | (8) | | | (5) | | | (3) | | | (9) | | | (18) | | | 7 | | | (10) | | | | | | | | | (16) | | | (21) | | | | | |
分部收入 | | $ | 317 | | | $ | 643 | | | $ | 558 | | | $ | 867 | | | $ | 669 | | | $ | 666 | | | $ | 471 | | | | | | | | | $ | 1,518 | | | $ | 1,806 | | | | | |
综合比率(1)(2) | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
亏损及亏损调整费用比率 | | 72.2 | % | | 64.3 | % | | 67.0 | % | | 56.9 | % | | 60.7 | % | | 63.0 | % | | 66.9 | % | | | | | | | | 67.8 | % | | 63.6 | % | | | | |
承保费用比率 | | 31.3 | % | | 31.0 | % | | 30.5 | % | | 30.1 | % | | 30.2 | % | | 30.2 | % | | 29.4 | % | | | | | | | | 30.9 | % | | 29.9 | % | | | | |
综合比率 | | 103.5 | % | | 95.3 | % | | 97.5 | % | | 87.0 | % | | 90.9 | % | | 93.2 | % | | 96.3 | % | | | | | | | | 98.7 | % | | 93.5 | % | | | | |
对合并比率的影响: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
上一年净(有利)不利储量发展 | | (3.5) | % | | (1.9) | % | | 2.7 | % | | (1.8) | % | | (2.8) | % | | (4.8) | % | | 1.4 | % | | | | | | | | (0.9) | % | | (2.0) | % | | | | |
巨灾,再保险净额 | | 13.3 | % | | 3.9 | % | | 4.6 | % | | (1.0) | % | | 1.9 | % | | 5.6 | % | | 4.9 | % | | | | | | | | 7.2 | % | | 4.1 | % | | | | |
基础综合比率 | | 93.7 | % | | 93.3 | % | | 90.2 | % | | 89.8 | % | | 91.8 | % | | 92.4 | % | | 90.0 | % | | | | | | | | 92.4 | % | | 91.4 | % | | | | |
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(1)在投保人分红之前。
(2)账单和保单费用及其他费用是其他收入的一部分,作为减少承保费用分配。此外,手续费收入作为减损及亏损调整费用和承保费用分配。这些分配是为了使合并比率的计算符合法定会计。此外,一般和行政费用包括不包括在承保费用之外的非保险费用,因此在计算合并比率时也不包括在内。请参阅以下内容:
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(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
帐单和保单费用及其他 | | $ | 4 | | | $ | 3 | | | $ | 4 | | | $ | 3 | | | $ | 3 | | | $ | 4 | | | $ | 4 | | | | | | | | | $ | 11 | | | $ | 11 | | | | | |
费用收入: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
亏损及亏损调整费用 | | $ | 38 | | | $ | 39 | | | $ | 36 | | | $ | 37 | | | $ | 35 | | | $ | 39 | | | $ | 38 | | | | | | | | | $ | 113 | | | $ | 112 | | | | | |
承保费用 | | 57 | | | 58 | | | 54 | | | 56 | | | 61 | | | 54 | | | 58 | | | | | | | | | 169 | | | 173 | | | | | |
手续费总收入 | | $ | 95 | | | $ | 97 | | | $ | 90 | | | $ | 93 | | | $ | 96 | | | $ | 93 | | | $ | 96 | | | | | | | | | $ | 282 | | | $ | 285 | | | | | |
非保险费和行政费 | | $ | 60 | | | $ | 65 | | | $ | 68 | | | $ | 63 | | | $ | 70 | | | $ | 73 | | | $ | 70 | | | | | | | | | $ | 193 | | | $ | 213 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
部分统计数字-商业保险
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(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
法定承销 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛保费 | | $ | 4,776 | | | $ | 4,356 | | | $ | 4,453 | | | $ | 4,244 | | | $ | 5,148 | | | $ | 4,786 | | | $ | 4,864 | | | | | | | | | $ | 13,585 | | | $ | 14,798 | | | | | |
净书面保费 | | $ | 4,125 | | | $ | 3,980 | | | $ | 4,021 | | | $ | 3,973 | | | $ | 4,502 | | | $ | 4,373 | | | $ | 4,370 | | | | | | | | | $ | 12,126 | | | $ | 13,245 | | | | | |
净赚得保费 | | $ | 3,799 | | | $ | 3,880 | | | $ | 3,970 | | | $ | 4,090 | | | $ | 4,073 | | | $ | 4,217 | | | $ | 4,353 | | | | | | | | | $ | 11,649 | | | $ | 12,643 | | | | | |
亏损及亏损调整费用 | | 2,741 | | | 2,500 | | | 2,657 | | | 2,326 | | | 2,472 | | | 2,656 | | | 2,911 | | | | | | | | | 7,898 | | | 8,039 | | | | | |
承保费用 | | 1,251 | | | 1,226 | | | 1,205 | | | 1,190 | | | 1,313 | | | 1,325 | | | 1,281 | | | | | | | | | 3,682 | | | 3,919 | | | | | |
法定承保损益 | | (193) | | | 154 | | | 108 | | | 574 | | | 288 | | | 236 | | | 161 | | | | | | | | | 69 | | | 685 | | | | | |
投保人分红 | | 8 | | | 6 | | | 8 | | | 7 | | | 8 | | | 4 | | | 7 | | | | | | | | | 22 | | | 19 | | | | | |
投保人分红后的法定承保损益 | | $ | (201) | | | $ | 148 | | | $ | 100 | | | $ | 567 | | | $ | 280 | | | $ | 232 | | | $ | 154 | | | | | | | | | $ | 47 | | | $ | 666 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
净保费--商业保险
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
按市场划分的净保费 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
国内 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
选择帐户 | | $ | 729 | | | $ | 726 | | | $ | 685 | | | $ | 693 | | | $ | 819 | | | $ | 807 | | | $ | 739 | | | | | | | | | $ | 2,140 | | | $ | 2,365 | | | | | |
中端市场 | | 2,384 | | | 2,087 | | | 2,252 | | | 2,210 | | | 2,616 | | | 2,329 | | | 2,465 | | | | | | | | | 6,723 | | | 7,410 | | | | | |
国民账户 | | 290 | | | 213 | | | 228 | | | 256 | | | 303 | | | 240 | | | 247 | | | | | | | | | 731 | | | 790 | | | | | |
国家财产和其他 | | 445 | | | 647 | | | 638 | | | 535 | | | 497 | | | 690 | | | 702 | | | | | | | | | 1,730 | | | 1,889 | | | | | |
国内生产总值 | | 3,848 | | | 3,673 | | | 3,803 | | | 3,694 | | | 4,235 | | | 4,066 | | | 4,153 | | | | | | | | | 11,324 | | | 12,454 | | | | | |
国际 | | 277 | | | 307 | | | 218 | | | 272 | | | 267 | | | 307 | | | 217 | | | | | | | | | 802 | | | 791 | | | | | |
总计 | | $ | 4,125 | | | $ | 3,980 | | | $ | 4,021 | | | $ | 3,966 | | | $ | 4,502 | | | $ | 4,373 | | | $ | 4,370 | | | | | | | | | $ | 12,126 | | | $ | 13,245 | | | | | |
按产品线划分的净书面保费 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
国内 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
工伤赔偿 | | $ | 948 | | | $ | 754 | | | $ | 751 | | | $ | 722 | | | $ | 1,008 | | | $ | 823 | | | $ | 787 | | | | | | | | | $ | 2,453 | | | $ | 2,618 | | | | | |
商用汽车 | | 762 | | | 715 | | | 716 | | | 705 | | | 781 | | | 759 | | | 762 | | | | | | | | | 2,193 | | | 2,302 | | | | | |
商业地产 | | 466 | | | 678 | | | 656 | | | 608 | | | 551 | | | 763 | | | 756 | | | | | | | | | 1,800 | | | 2,070 | | | | | |
一般法律责任 | | 714 | | | 615 | | | 685 | | | 685 | | | 789 | | | 678 | | | 738 | | | | | | | | | 2,014 | | | 2,205 | | | | | |
商业多重危险 | | 940 | | | 908 | | | 953 | | | 967 | | | 1,085 | | | 1,041 | | | 1,067 | | | | | | | | | 2,801 | | | 3,193 | | | | | |
其他 | | 18 | | | 3 | | | 42 | | | 7 | | | 21 | | | 2 | | | 43 | | | | | | | | | 63 | | | 66 | | | | | |
国内生产总值 | | 3,848 | | | 3,673 | | | 3,803 | | | 3,694 | | | 4,235 | | | 4,066 | | | 4,153 | | | | | | | | | 11,324 | | | 12,454 | | | | | |
国际 | | 277 | | | 307 | | | 218 | | | 272 | | | 267 | | | 307 | | | 217 | | | | | | | | | 802 | | | 791 | | | | | |
总计 | | $ | 4,125 | | | $ | 3,980 | | | $ | 4,021 | | | $ | 3,966 | | | $ | 4,502 | | | $ | 4,373 | | | $ | 4,370 | | | | | | | | | $ | 12,126 | | | $ | 13,245 | | | | | |
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见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
分部收入-债券及专业保险
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
收入 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
保费 | | $ | 743 | | | $ | 776 | | | $ | 806 | | | $ | 813 | | | $ | 820 | | | $ | 851 | | | $ | 877 | | | | | | | | | $ | 2,325 | | | $ | 2,548 | | | | | |
净投资收益 | | 59 | | | 64 | | | 63 | | | 61 | | | 59 | | | 64 | | | 65 | | | | | | | | | 186 | | | 188 | | | | | |
其他收入 | | 5 | | | 7 | | | 5 | | | 6 | | | 4 | | | 4 | | | 6 | | | | | | | | | 17 | | | 14 | | | | | |
总收入 | | 807 | | | 847 | | | 874 | | | 880 | | | 883 | | | 919 | | | 948 | | | | | | | | | 2,528 | | | 2,750 | | | | | |
索赔和费用 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
理赔和理赔费用 | | 374 | | | 335 | | | 375 | | | 389 | | | 354 | | | 331 | | | 334 | | | | | | | | | 1,084 | | | 1,019 | | | | | |
递延收购成本的摊销 | | 134 | | | 142 | | | 147 | | | 147 | | | 149 | | | 155 | | | 162 | | | | | | | | | 423 | | | 466 | | | | | |
一般和行政费用 | | 130 | | | 135 | | | 135 | | | 132 | | | 141 | | | 148 | | | 148 | | | | | | | | | 400 | | | 437 | | | | | |
索赔和费用总额 | | 638 | | | 612 | | | 657 | | | 668 | | | 644 | | | 634 | | | 644 | | | | | | | | | 1,907 | | | 1,922 | | | | | |
分部所得税前收入 | | 169 | | | 235 | | | 217 | | | 212 | | | 239 | | | 285 | | | 304 | | | | | | | | | 621 | | | 828 | | | | | |
所得税费用 | | 32 | | | 48 | | | 43 | | | 42 | | | 22 | | | 57 | | | 62 | | | | | | | | | 123 | | | 141 | | | | | |
分部收入 | | $ | 137 | | | $ | 187 | | | $ | 174 | | | $ | 170 | | | $ | 217 | | | $ | 228 | | | $ | 242 | | | | | | | | | $ | 498 | | | $ | 687 | | | | | |
其他统计数字 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
净投资收益的实际税率 | | 15.0 | % | | 15.7 | % | | 15.3 | % | | 15.1 | % | | 15.1 | % | | 15.4 | % | | 15.6 | % | | | | | | | | 15.3 | % | | 15.4 | % | | | | |
净投资收益(税后) | | $ | 50 | | | $ | 55 | | | $ | 53 | | | $ | 52 | | | $ | 50 | | | $ | 55 | | | $ | 54 | | | | | | | | | $ | 158 | | | $ | 159 | | | | | |
巨灾,再保险净额: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 24 | | | $ | 3 | | | $ | 3 | | | $ | 10 | | | $ | 1 | | | $ | 4 | | | $ | 11 | | | | | | | | | $ | 30 | | | $ | 16 | | | | | |
税后 | | $ | 19 | | | $ | 2 | | | $ | 2 | | | $ | 8 | | | $ | 1 | | | $ | 3 | | | $ | 9 | | | | | | | | | $ | 23 | | | $ | 13 | | | | | |
前一年储备发展-有利: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 15 | | | $ | 44 | | | $ | 22 | | | $ | 24 | | | $ | 35 | | | $ | 73 | | | $ | 63 | | | | | | | | | $ | 81 | | | $ | 171 | | | | | |
税后 | | $ | 12 | | | $ | 35 | | | $ | 18 | | | $ | 19 | | | $ | 28 | | | $ | 57 | | | $ | 50 | | | | | | | | | $ | 65 | | | $ | 135 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
按主要组成部分和合并比率划分的分部收入-债券和专业保险
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(单位:百万美元,扣除税金) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
承保收益 | | $ | 84 | | | $ | 128 | | | $ | 118 | | | $ | 114 | | | $ | 165 | | | $ | 171 | | | $ | 185 | | | | | | | | | $ | 330 | | | $ | 521 | | | | | |
净投资收益 | | 50 | | | 55 | | | 53 | | | 52 | | | 50 | | | 55 | | | 54 | | | | | | | | | 158 | | | 159 | | | | | |
其他收入 | | 3 | | | 4 | | | 3 | | | 4 | | | 2 | | | 2 | | | 3 | | | | | | | | | 10 | | | 7 | | | | | |
分部收入 | | $ | 137 | | | $ | 187 | | | $ | 174 | | | $ | 170 | | | $ | 217 | | | $ | 228 | | | $ | 242 | | | | | | | | | $ | 498 | | | $ | 687 | | | | | |
综合比率(1) | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
亏损及亏损调整费用比率 | | 49.9 | % | | 42.6 | % | | 46.3 | % | | 47.4 | % | | 42.8 | % | | 38.5 | % | | 37.3 | % | | | | | | | | 46.2 | % | | 39.5 | % | | | | |
承保费用比率 | | 35.3 | % | | 35.5 | % | | 34.8 | % | | 34.1 | % | | 35.2 | % | | 35.5 | % | | 35.2 | % | | | | | | | | 35.2 | % | | 35.3 | % | | | | |
综合比率 | | 85.2 | % | | 78.1 | % | | 81.1 | % | | 81.5 | % | | 78.0 | % | | 74.0 | % | | 72.5 | % | | | | | | | | 81.4 | % | | 74.8 | % | | | | |
对合并比率的影响: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
上一年净有利储备发展 | | (2.1) | % | | (5.7) | % | | (2.6) | % | | (3.0) | % | | (4.3) | % | | (8.6) | % | | (7.2) | % | | | | | | | | (3.5) | % | | (6.7) | % | | | | |
巨灾,再保险净额 | | 3.1 | % | | 0.4 | % | | 0.3 | % | | 1.2 | % | | 0.1 | % | | 0.4 | % | | 1.3 | % | | | | | | | | 1.3 | % | | 0.6 | % | | | | |
基础综合比率 | | 84.2 | % | | 83.4 | % | | 83.4 | % | | 83.3 | % | | 82.2 | % | | 82.2 | % | | 78.4 | % | | | | | | | | 83.6 | % | | 80.9 | % | | | | |
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(1)一般费用和行政费用包括不包括在承保费用之外的非保险费用,因此在计算合并比率时不包括在内。请参阅以下内容:
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(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
非保险费和行政费 | | $ | 2 | | | $ | 1 | | | $ | 1 | | | $ | 2 | | | $ | 1 | | | $ | 1 | | | $ | 1 | | | | | | | | | $ | 4 | | | $ | 3 | | | | | |
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见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
部分统计数字-债券及专业保险
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(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
法定承销 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛保费 | | $ | 834 | | | $ | 919 | | | $ | 984 | | | $ | 988 | | | $ | 1,009 | | | $ | 1,036 | | | $ | 1,043 | | | | | | | | | $ | 2,737 | | | $ | 3,088 | | | | | |
净书面保费 | | $ | 723 | | | $ | 854 | | | $ | 894 | | | $ | 905 | | | $ | 882 | | | $ | 962 | | | $ | 964 | | | | | | | | | $ | 2,471 | | | $ | 2,808 | | | | | |
净赚得保费 | | $ | 743 | | | $ | 776 | | | $ | 806 | | | $ | 813 | | | $ | 820 | | | $ | 851 | | | $ | 877 | | | | | | | | | $ | 2,325 | | | $ | 2,548 | | | | | |
亏损及亏损调整费用 | | 371 | | | 331 | | | 373 | | | 385 | | | 351 | | | 328 | | | 328 | | | | | | | | | 1,075 | | | 1,007 | | | | | |
承保费用 | | 270 | | | 287 | | | 300 | | | 288 | | | 319 | | | 319 | | | 326 | | | | | | | | | 857 | | | 964 | | | | | |
法定承保收益 | | 102 | | | 158 | | | 133 | | | 140 | | | 150 | | | 204 | | | 223 | | | | | | | | | 393 | | | 577 | | | | | |
投保人分红 | | 3 | | | 4 | | | 2 | | | 3 | | | 3 | | | 2 | | | 7 | | | | | | | | | 9 | | | 12 | | | | | |
投保人分红后的法定承保收益 | | $ | 99 | | | $ | 154 | | | $ | 131 | | | $ | 137 | | | $ | 147 | | | $ | 202 | | | $ | 216 | | | | | | | | | $ | 384 | | | $ | 565 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
保费净额--债券及专业保险
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
按市场划分的净保费 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
国内 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
管理责任 | | $ | 444 | | | $ | 497 | | | $ | 532 | | | $ | 510 | | | $ | 505 | | | $ | 533 | | | $ | 554 | | | | | | | | | $ | 1,473 | | | $ | 1,592 | | | | | |
担保 | | 200 | | | 232 | | | 241 | | | 215 | | | 257 | | | 287 | | | 284 | | | | | | | | | 673 | | | 828 | | | | | |
国内生产总值 | | 644 | | | 729 | | | 773 | | | 725 | | | 762 | | | 820 | | | 838 | | | | | | | | | 2,146 | | | 2,420 | | | | | |
国际 | | 79 | | | 125 | | | 121 | | | 180 | | | 120 | | | 142 | | | 126 | | | | | | | | | 325 | | | 388 | | | | | |
总计 | | $ | 723 | | | $ | 854 | | | $ | 894 | | | $ | 905 | | | $ | 882 | | | $ | 962 | | | $ | 964 | | | | | | | | | $ | 2,471 | | | $ | 2,808 | | | | | |
按产品线划分的净书面保费 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
国内 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
忠诚度与担保人 | | $ | 256 | | | $ | 287 | | | $ | 307 | | | $ | 273 | | | $ | 320 | | | $ | 346 | | | $ | 350 | | | | | | | | | $ | 850 | | | $ | 1,016 | | | | | |
一般法律责任 | | 340 | | | 389 | | | 401 | | | 400 | | | 389 | | | 419 | | | 424 | | | | | | | | | 1,130 | | | 1,232 | | | | | |
其他 | | 48 | | | 53 | | | 65 | | | 52 | | | 53 | | | 55 | | | 64 | | | | | | | | | 166 | | | 172 | | | | | |
国内生产总值 | | 644 | | | 729 | | | 773 | | | 725 | | | 762 | | | 820 | | | 838 | | | | | | | | | 2,146 | | | 2,420 | | | | | |
国际 | | 79 | | | 125 | | | 121 | | | 180 | | | 120 | | | 142 | | | 126 | | | | | | | | | 325 | | | 388 | | | | | |
总计 | | $ | 723 | | | $ | 854 | | | $ | 894 | | | $ | 905 | | | $ | 882 | | | $ | 962 | | | $ | 964 | | | | | | | | | $ | 2,471 | | | $ | 2,808 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
分部收入(亏损)--人身保险
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
收入 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
保费 | | $ | 2,844 | | | $ | 2,960 | | | $ | 3,053 | | | $ | 3,126 | | | $ | 3,123 | | | $ | 3,248 | | | $ | 3,385 | | | | | | | | | $ | 8,857 | | | $ | 9,756 | | | | | |
净投资收益 | | 119 | | | 139 | | | 133 | | | 130 | | | 110 | | | 122 | | | 102 | | | | | | | | | 391 | | | 334 | | | | | |
费用收入 | | 6 | | | 7 | | | 7 | | | 7 | | | 7 | | | 7 | | | 8 | | | | | | | | | 20 | | | 22 | | | | | |
其他收入 | | 23 | | | 24 | | | 26 | | | 24 | | | 21 | | | 18 | | | 22 | | | | | | | | | 73 | | | 61 | | | | | |
总收入 | | 2,992 | | | 3,130 | | | 3,219 | | | 3,287 | | | 3,261 | | | 3,395 | | | 3,517 | | | | | | | | | 9,341 | | | 10,173 | | | | | |
索赔和费用 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
理赔和理赔费用 | | 1,808 | | | 2,171 | | | 2,386 | | | 2,062 | | | 2,171 | | | 2,774 | | | 2,795 | | | | | | | | | 6,365 | | | 7,740 | | | | | |
递延收购成本的摊销 | | 446 | | | 470 | | | 481 | | | 495 | | | 493 | | | 519 | | | 536 | | | | | | | | | 1,397 | | | 1,548 | | | | | |
一般和行政费用 | | 344 | | | 343 | | | 360 | | | 323 | | | 345 | | | 352 | | | 333 | | | | | | | | | 1,047 | | | 1,030 | | | | | |
索赔和费用总额 | | 2,598 | | | 2,984 | | | 3,227 | | | 2,880 | | | 3,009 | | | 3,645 | | | 3,664 | | | | | | | | | 8,809 | | | 10,318 | | | | | |
分部所得税前收益(亏损) | | 394 | | | 146 | | | (8) | | | 407 | | | 252 | | | (250) | | | (147) | | | | | | | | | 532 | | | (145) | | | | | |
所得税支出(福利) | | 80 | | | 25 | | | (6) | | | 80 | | | 27 | | | (57) | | | (36) | | | | | | | | | 99 | | | (66) | | | | | |
分部收入(亏损) | | $ | 314 | | | $ | 121 | | | $ | (2) | | | $ | 327 | | | $ | 225 | | | $ | (193) | | | $ | (111) | | | | | | | | | $ | 433 | | | $ | (79) | | | | | |
其他统计数字 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
净投资收益的实际税率 | | 16.4 | % | | 17.1 | % | | 16.8 | % | | 16.5 | % | | 15.9 | % | | 16.3 | % | | 15.4 | % | | | | | | | | 16.8 | % | | 15.9 | % | | | | |
净投资收益(税后) | | $ | 99 | | | $ | 116 | | | $ | 111 | | | $ | 108 | | | $ | 93 | | | $ | 101 | | | $ | 87 | | | | | | | | | $ | 326 | | | $ | 281 | | | | | |
巨灾,再保险净额: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 305 | | | $ | 323 | | | $ | 317 | | | $ | 69 | | | $ | 80 | | | $ | 508 | | | $ | 285 | | | | | | | | | $ | 945 | | | $ | 873 | | | | | |
税后 | | $ | 241 | | | $ | 255 | | | $ | 250 | | | $ | 55 | | | $ | 63 | | | $ | 400 | | | $ | 225 | | | | | | | | | $ | 746 | | | $ | 688 | | | | | |
上一年度储备发展-有利(不利): | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 168 | | | $ | 65 | | | $ | 30 | | | $ | (3) | | | $ | 5 | | | $ | 16 | | | $ | 18 | | | | | | | | | $ | 263 | | | $ | 39 | | | | | |
税后 | | $ | 132 | | | $ | 51 | | | $ | 24 | | | $ | (2) | | | $ | 4 | | | $ | 13 | | | $ | 14 | | | | | | | | | $ | 207 | | | $ | 31 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
按主要组成部分和合并比率分列的分部收入(亏损)-人寿保险
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(单位:百万美元,扣除税金) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
承保损益 | | $ | 198 | | | $ | (12) | | | $ | (130) | | | $ | 203 | | | $ | 119 | | | $ | (305) | | | $ | (212) | | | | | | | | | $ | 56 | | | $ | (398) | | | | | |
净投资收益 | | 99 | | | 116 | | | 111 | | | 108 | | | 93 | | | 101 | | | 87 | | | | | | | | | 326 | | | 281 | | | | | |
其他收入 | | 17 | | | 17 | | | 17 | | | 16 | | | 13 | | | 11 | | | 14 | | | | | | | | | 51 | | | 38 | | | | | |
分部收入(亏损) | | $ | 314 | | | $ | 121 | | | $ | (2) | | | $ | 327 | | | $ | 225 | | | $ | (193) | | | $ | (111) | | | | | | | | | $ | 433 | | | $ | (79) | | | | | |
综合比率(1) | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
亏损及亏损调整费用比率 | | 63.6 | % | | 73.3 | % | | 78.2 | % | | 66.0 | % | | 69.5 | % | | 85.4 | % | | 82.6 | % | | | | | | | | 71.8 | % | | 79.3 | % | | | | |
承保费用比率 | | 26.7 | % | | 26.4 | % | | 26.4 | % | | 25.1 | % | | 25.8 | % | | 25.8 | % | | 24.6 | % | | | | | | | | 26.5 | % | | 25.4 | % | | | | |
综合比率 | | 90.3 | % | | 99.7 | % | | 104.6 | % | | 91.1 | % | | 95.3 | % | | 111.2 | % | | 107.2 | % | | | | | | | | 98.3 | % | | 104.7 | % | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
对合并比率的影响: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
上一年净(有利)不利储量发展 | | (5.9) | % | | (2.2) | % | | (1.0) | % | | 0.1 | % | | (0.1) | % | | (0.5) | % | | (0.5) | % | | | | | | | | (3.0) | % | | (0.4) | % | | | | |
巨灾,再保险净额 | | 10.8 | % | | 10.9 | % | | 10.4 | % | | 2.3 | % | | 2.6 | % | | 15.6 | % | | 8.4 | % | | | | | | | | 10.6 | % | | 8.9 | % | | | | |
基础综合比率 | | 85.4 | % | | 91.0 | % | | 95.2 | % | | 88.7 | % | | 92.8 | % | | 96.1 | % | | 99.3 | % | | | | | | | | 90.7 | % | | 96.2 | % | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(1)作为其他收入组成部分的账单和保单费用及其他费用收入作为承保费用的减少额进行分配,以使合并比率的计算与法定会计一致。此外,一般和行政费用包括不包括在承保费用之外的非保险费用,因此在计算合并比率时也不包括在内。请参阅以下内容:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
帐单和保单费用及其他 | | $ | 23 | | | $ | 24 | | | $ | 23 | | | $ | 23 | | | $ | 24 | | | $ | 23 | | | $ | 23 | | | | | | | | | $ | 70 | | | $ | 70 | | | | | |
费用收入 | | $ | 6 | | | $ | 7 | | | $ | 7 | | | $ | 7 | | | $ | 7 | | | $ | 7 | | | $ | 8 | | | | | | | | | $ | 20 | | | $ | 22 | | | | | |
非保险费和行政费 | | $ | 2 | | | $ | 3 | | | $ | 4 | | | $ | 3 | | | $ | 3 | | | $ | 4 | | | $ | 4 | | | | | | | | | $ | 9 | | | $ | 11 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
部分统计数字--人身保险
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
法定承销 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛保费 | | $ | 2,797 | | | $ | 3,322 | | | $ | 3,439 | | | $ | 3,132 | | | $ | 3,126 | | | $ | 3,714 | | | $ | 3,905 | | | | | | | | | $ | 9,558 | | | $ | 10,745 | | | | | |
净书面保费 | | $ | 2,657 | | | $ | 3,301 | | | $ | 3,409 | | | $ | 3,124 | | | $ | 2,983 | | | $ | 3,685 | | | $ | 3,864 | | | | | | | | | $ | 9,367 | | | $ | 10,532 | | | | | |
净赚得保费 | | $ | 2,844 | | | $ | 2,960 | | | $ | 3,053 | | | $ | 3,126 | | | $ | 3,123 | | | $ | 3,248 | | | $ | 3,385 | | | | | | | | | $ | 8,857 | | | $ | 9,756 | | | | | |
亏损及亏损调整费用 | | 1,808 | | | 2,172 | | | 2,385 | | | 2,062 | | | 2,171 | | | 2,774 | | | 2,795 | | | | | | | | | 6,365 | | | 7,740 | | | | | |
承保费用 | | 755 | | | 848 | | | 880 | | | 791 | | | 809 | | | 924 | | | 926 | | | | | | | | | 2,483 | | | 2,659 | | | | | |
法定承保损益 | | $ | 281 | | | $ | (60) | | | $ | (212) | | | $ | 273 | | | $ | 143 | | | $ | (450) | | | $ | (336) | | | | | | | | | $ | 9 | | | $ | (643) | | | | | |
生效的政策(以千为单位) | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
汽车 | | 3,056 | | | 3,098 | | | 3,141 | | | 3,179 | | | 3,212 | | | 3,243 | | | 3,283 | | | | | | | | | 3,141 | | | 3,283 | | | | | |
房主和其他人 | | 5,944 | | | 6,076 | | | 6,168 | | | 6,230 | | | 6,284 | | | 6,338 | | | 6,367 | | | | | | | | | 6,168 | | | 6,367 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
净保费--人身保险
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
按产品线划分的净书面保费 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
国内 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
汽车 | | $ | 1,375 | | | $ | 1,467 | | | $ | 1,529 | | | $ | 1,456 | | | $ | 1,496 | | | $ | 1,629 | | | $ | 1,743 | | | | | | | | | $ | 4,371 | | | $ | 4,868 | | | | | |
房主和其他人 | | 1,144 | | | 1,634 | | | 1,698 | | | 1,504 | | | 1,344 | | | 1,868 | | | 1,952 | | | | | | | | | 4,476 | | | 5,164 | | | | | |
国内生产总值 | | 2,519 | | | 3,101 | | | 3,227 | | | 2,960 | | | 2,840 | | | 3,497 | | | 3,695 | | | | | | | | | 8,847 | | | 10,032 | | | | | |
国际 | | 138 | | | 200 | | | 182 | | | 164 | | | 143 | | | 188 | | | 169 | | | | | | | | | 520 | | | 500 | | | | | |
总计 | | $ | 2,657 | | | $ | 3,301 | | | $ | 3,409 | | | $ | 3,124 | | | $ | 2,983 | | | $ | 3,685 | | | $ | 3,864 | | | | | | | | | $ | 9,367 | | | $ | 10,532 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
精选统计-人身保险-汽车
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
法定承销 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛保费 | | $ | 1,481 | | | $ | 1,604 | | | $ | 1,656 | | | $ | 1,567 | | | $ | 1,605 | | | $ | 1,755 | | | $ | 1,857 | | | | | | | | | $ | 4,741 | | | $ | 5,217 | | | | | |
净书面保费 | | $ | 1,466 | | | $ | 1,597 | | | $ | 1,648 | | | $ | 1,562 | | | $ | 1,591 | | | $ | 1,749 | | | $ | 1,849 | | | | | | | | | $ | 4,711 | | | $ | 5,189 | | | | | |
净赚得保费 | | $ | 1,478 | | | $ | 1,525 | | | $ | 1,557 | | | $ | 1,581 | | | $ | 1,568 | | | $ | 1,620 | | | $ | 1,679 | | | | | | | | | $ | 4,560 | | | $ | 4,867 | | | | | |
亏损及亏损调整费用 | | 845 | | | 1,026 | | | 1,180 | | | 1,280 | | | 1,188 | | | 1,311 | | | 1,510 | | | | | | | | | 3,051 | | | 4,009 | | | | | |
承保费用 | | 370 | | | 389 | | | 399 | | | 369 | | | 382 | | | 408 | | | 408 | | | | | | | | | 1,158 | | | 1,198 | | | | | |
法定承保损益 | | $ | 263 | | | $ | 110 | | | $ | (22) | | | $ | (68) | | | $ | (2) | | | $ | (99) | | | $ | (239) | | | | | | | | | $ | 351 | | | $ | (340) | | | | | |
其他统计数字 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
综合比率(1): | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
亏损及亏损调整费用比率 | | 57.2 | % | | 67.2 | % | | 75.9 | % | | 80.9 | % | | 75.8 | % | | 80.9 | % | | 90.0 | % | | | | | | | | 66.9 | % | | 82.4 | % | | | | |
承保费用比率 | | 24.6 | % | | 24.4 | % | | 24.1 | % | | 23.2 | % | | 23.5 | % | | 23.4 | % | | 22.2 | % | | | | | | | | 24.4 | % | | 23.0 | % | | | | |
综合比率 | | 81.8 | % | | 91.6 | % | | 100.0 | % | | 104.1 | % | | 99.3 | % | | 104.3 | % | | 112.2 | % | | | | | | | | 91.3 | % | | 105.4 | % | | | | |
对合并比率的影响: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
上一年净(有利)不利储量发展 | | (5.2) | % | | (2.1) | % | | (0.4) | % | | 0.6 | % | | 0.3 | % | | 0.3 | % | | 0.4 | % | | | | | | | | (2.6) | % | | 0.4 | % | | | | |
巨灾,再保险净额 | | 0.4 | % | | 1.7 | % | | 3.4 | % | | (0.3) | % | | 0.2 | % | | 2.2 | % | | 7.9 | % | | | | | | | | 1.9 | % | | 3.5 | % | | | | |
基础综合比率 | | 86.6 | % | | 92.0 | % | | 97.0 | % | | 103.8 | % | | 98.8 | % | | 101.8 | % | | 103.9 | % | | | | | | | | 92.0 | % | | 101.5 | % | | | | |
巨灾,再保险净额: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 6 | | | $ | 26 | | | $ | 53 | | | $ | (5) | | | $ | 4 | | | $ | 35 | | | $ | 133 | | | | | | | | | $ | 85 | | | $ | 172 | | | | | |
税后 | | $ | 5 | | | $ | 21 | | | $ | 41 | | | $ | (4) | | | $ | 3 | | | $ | 28 | | | $ | 105 | | | | | | | | | $ | 67 | | | $ | 136 | | | | | |
上一年度储备发展-有利(不利): | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 78 | | | $ | 33 | | | $ | 6 | | | $ | (10) | | | $ | (4) | | | $ | (6) | | | $ | (8) | | | | | | | | | $ | 117 | | | $ | (18) | | | | | |
税后 | | $ | 61 | | | $ | 26 | | | $ | 5 | | | $ | (8) | | | $ | (3) | | | $ | (4) | | | $ | (6) | | | | | | | | | $ | 92 | | | $ | (13) | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
生效的政策(以千为单位) | | 3,056 | | | 3,098 | | | 3,141 | | | 3,179 | | | 3,212 | | | 3,243 | | | 3,283 | | | | | | | | | | | | | | | |
与上一年季度相比的变化 | | 2.9 | % | | 3.5 | % | | 4.2 | % | | 5.0 | % | | 5.1 | % | | 4.7 | % | | 4.5 | % | | | | | | | | | | | | | | |
与上一季度相比有所变化 | | 0.9 | % | | 1.4 | % | | 1.4 | % | | 1.2 | % | | 1.0 | % | | 1.0 | % | | 1.2 | % | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(1)作为其他收入组成部分的账单和保单费用及其他费用收入作为承保费用的减少额分配。
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
帐单和保单费用及其他 | | $ | 14 | | | $ | 14 | | | $ | 14 | | | $ | 14 | | | $ | 14 | | | $ | 14 | | | $ | 14 | | | | | | | | | $ | 42 | | | $ | 42 | | | | | |
费用收入 | | $ | 3 | | | $ | 4 | | | $ | 4 | | | $ | 4 | | | $ | 4 | | | $ | 3 | | | $ | 4 | | | | | | | | | $ | 11 | | | $ | 11 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
部分统计数据-个人保险-房主和其他
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
法定承销 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛保费 | | $ | 1,316 | | | $ | 1,718 | | | $ | 1,783 | | | $ | 1,565 | | | $ | 1,521 | | | $ | 1,959 | | | $ | 2,048 | | | | | | | | | $ | 4,817 | | | $ | 5,528 | | | | | |
净书面保费 | | $ | 1,191 | | | $ | 1,704 | | | $ | 1,761 | | | $ | 1,562 | | | $ | 1,392 | | | $ | 1,936 | | | $ | 2,015 | | | | | | | | | $ | 4,656 | | | $ | 5,343 | | | | | |
净赚得保费 | | $ | 1,366 | | | $ | 1,435 | | | $ | 1,496 | | | $ | 1,545 | | | $ | 1,555 | | | $ | 1,628 | | | $ | 1,706 | | | | | | | | | $ | 4,297 | | | $ | 4,889 | | | | | |
亏损及亏损调整费用 | | 963 | | | 1,146 | | | 1,205 | | | 782 | | | 983 | | | 1,463 | | | 1,285 | | | | | | | | | 3,314 | | | 3,731 | | | | | |
承保费用 | | 385 | | | 459 | | | 481 | | | 422 | | | 427 | | | 516 | | | 518 | | | | | | | | | 1,325 | | | 1,461 | | | | | |
法定承保损益 | | $ | 18 | | | $ | (170) | | | $ | (190) | | | $ | 341 | | | $ | 145 | | | $ | (351) | | | $ | (97) | | | | | | | | | $ | (342) | | | $ | (303) | | | | | |
其他统计数字 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
综合比率(1): | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
亏损及亏损调整费用比率 | | 70.5 | % | | 79.8 | % | | 80.5 | % | | 50.7 | % | | 63.2 | % | | 89.9 | % | | 75.4 | % | | | | | | | | 77.1 | % | | 76.3 | % | | | | |
承保费用比率 | | 28.9 | % | | 28.5 | % | | 28.8 | % | | 27.1 | % | | 28.0 | % | | 28.1 | % | | 26.9 | % | | | | | | | | 28.7 | % | | 27.7 | % | | | | |
综合比率 | | 99.4 | % | | 108.3 | % | | 109.3 | % | | 77.8 | % | | 91.2 | % | | 118.0 | % | | 102.3 | % | | | | | | | | 105.8 | % | | 104.0 | % | | | | |
对合并比率的影响: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
上一年净有利储备发展 | | (6.6) | % | | (2.2) | % | | (1.6) | % | | (0.4) | % | | (0.6) | % | | (1.3) | % | | (1.5) | % | | | | | | | | (3.4) | % | | (1.2) | % | | | | |
巨灾,再保险净额 | | 21.9 | % | | 20.6 | % | | 17.6 | % | | 4.8 | % | | 4.9 | % | | 29.0 | % | | 8.9 | % | | | | | | | | 20.0 | % | | 14.4 | % | | | | |
基础综合比率 | | 84.1 | % | | 89.9 | % | | 93.3 | % | | 73.4 | % | | 86.9 | % | | 90.3 | % | | 94.9 | % | | | | | | | | 89.2 | % | | 90.8 | % | | | | |
巨灾,再保险净额: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 299 | | | $ | 297 | | | $ | 264 | | | $ | 74 | | | $ | 76 | | | $ | 473 | | | $ | 152 | | | | | | | | | $ | 860 | | | $ | 701 | | | | | |
税后 | | $ | 236 | | | $ | 234 | | | $ | 209 | | | $ | 59 | | | $ | 60 | | | $ | 372 | | | $ | 120 | | | | | | | | | $ | 679 | | | $ | 552 | | | | | |
前一年储备发展-有利: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
税前 | | $ | 90 | | | $ | 32 | | | $ | 24 | | | $ | 7 | | | $ | 9 | | | $ | 22 | | | $ | 26 | | | | | | | | | $ | 146 | | | $ | 57 | | | | | |
税后 | | $ | 71 | | | $ | 25 | | | $ | 19 | | | $ | 6 | | | $ | 7 | | | $ | 17 | | | $ | 20 | | | | | | | | | $ | 115 | | | $ | 44 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
生效的政策(以千为单位) | | 5,944 | | | 6,076 | | | 6,168 | | | 6,230 | | | 6,284 | | | 6,338 | | | 6,367 | | | | | | | | | | | | | | | |
与上一年季度相比的变化 | | 7.4 | % | | 7.0 | % | | 6.5 | % | | 6.4 | % | | 5.7 | % | | 4.3 | % | | 3.2 | % | | | | | | | | | | | | | | |
与上一季度相比有所变化 | | 1.5 | % | | 2.2 | % | | 1.5 | % | | 1.0 | % | | 0.9 | % | | 0.9 | % | | 0.5 | % | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(1)作为其他收入组成部分的账单和保单费用及其他费用收入作为承保费用的减少额分配。
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
帐单和保单费用及其他 | | $ | 9 | | | $ | 10 | | | $ | 9 | | | $ | 9 | | | $ | 10 | | | $ | 9 | | | $ | 9 | | | | | | | | | $ | 28 | | | $ | 28 | | | | | |
费用收入 | | $ | 3 | | | $ | 3 | | | $ | 3 | | | $ | 3 | | | $ | 3 | | | $ | 4 | | | $ | 4 | | | | | | | | | $ | 9 | | | $ | 11 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
利息支出和其他
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
收入 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
其他收入 | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | $ | — | | | | | | | | | $ | — | | | $ | — | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
索赔和费用 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
利息支出 | | 82 | | | 83 | | | 87 | | | 88 | | | 87 | | | 88 | | | 88 | | | | | | | | | 252 | | | 263 | | | | | |
一般和行政费用 | | 6 | | | 8 | | | 8 | | | 7 | | | 8 | | | 9 | | | 8 | | | | | | | | | 22 | | | 25 | | | | | |
索赔和费用总额 | | 88 | | | 91 | | | 95 | | | 95 | | | 95 | | | 97 | | | 96 | | | | | | | | | 274 | | | 288 | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
所得税优惠前亏损 | | (88) | | | (91) | | | (95) | | | (95) | | | (95) | | | (97) | | | (96) | | | | | | | | | (274) | | | (288) | | | | | |
所得税优惠 | | (19) | | | (19) | | | (20) | | | (20) | | | (21) | | | (21) | | | (20) | | | | | | | | | (58) | | | (62) | | | | | |
损失 | | $ | (69) | | | $ | (72) | | | $ | (75) | | | $ | (75) | | | $ | (74) | | | $ | (76) | | | $ | (76) | | | | | | | | | $ | (216) | | | $ | (226) | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
合并资产负债表
| | | | | | | | | | | | | | |
(百万美元和股票) | | 9月30日, 2022 | | 十二月三十一日, 2021 |
资产 | | | | |
固定到期日,可供出售,按公允价值计算(摊销成本分别为76,471美元和74,751美元;预期信贷损失准备金分别为3美元和3美元) | | $ | 68,450 | | | $ | 77,810 | |
按公允价值计算的股权证券(成本分别为757美元和749美元) | | 774 | | | 893 | |
房地产投资 | | 954 | | | 979 | |
短期证券 | | 3,927 | | | 3,836 | |
其他投资 | | 4,008 | | | 3,857 | |
总投资 | | 78,113 | | | 87,375 | |
现金 | | 773 | | | 761 | |
应计投资收益 | | 583 | | | 615 | |
应收保费(扣除预期信贷损失准备金86美元和107美元后的净额) | | 8,886 | | | 8,085 | |
可收回的再保险(扣除估计无法收回的再保险准备金后为133美元和141美元) | | 8,202 | | | 8,452 | |
放弃未赚取的保费 | | 1,199 | | | 902 | |
递延收购成本 | | 2,858 | | | 2,542 | |
递延税金 | | 2,175 | | | — | |
合同人应收账款(扣除预期信贷损失准备金18美元和21美元) | | 3,749 | | | 3,890 | |
商誉 | | 3,922 | | | 4,008 | |
其他无形资产 | | 287 | | | 306 | |
其他资产 | | 3,570 | | | 3,530 | |
总资产 | | $ | 114,317 | | | $ | 120,466 | |
| | | | |
负债 | | | | |
理赔和理赔费用准备金 | | $ | 58,138 | | | $ | 56,907 | |
未赚取的保费准备金 | | 18,364 | | | 16,469 | |
应付契约人 | | 3,767 | | | 3,911 | |
再保险保费的应付款项 | | 629 | | | 384 | |
递延税金 | | — | | | 289 | |
债务 | | 7,291 | | | 7,290 | |
其他负债 | | 6,222 | | | 6,329 | |
总负债 | | 94,411 | | | 91,579 | |
股东权益 | | | | |
普通股(核定1 750.0股;已发行和已发行股票分别为234.3股和241.2股) | | 24,472 | | | 24,154 | |
留存收益 | | 42,917 | | | 41,555 | |
累计其他综合收益(亏损) | | (7,908) | | | 1,193 | |
库存股,按成本计算(550.8和541.5股) | | (39,575) | | | (38,015) | |
股东权益总额 | | 19,906 | | | 28,887 | |
总负债和股东权益 | | $ | 114,317 | | | $ | 120,466 | |
| | | | |
The Travelers Companies, Inc.
投资组合
| | | | | | | | | | | | | | | | | | | | | | | | | | |
(按账面价值计算,百万美元) | | 9月30日, 2022 | | 税前帐簿 收益率(1) | | 十二月三十一日, 2021 | | 税前帐簿 收益率(1) |
投资组合 | | | | | | | | |
应税固定到期日 | | $ | 40,863 | | | 2.79 | % | | $ | 44,743 | | | 2.60 | % |
免税固定期限 | | 27,587 | | | 2.90 | % | | 33,067 | | | 2.81 | % |
总固定到期日 | | 68,450 | | | 2.84 | % | | 77,810 | | | 2.69 | % |
不可赎回优先股 | | 58 | | | 3.07 | % | | 66 | | | 3.04 | % |
普通股 | | 716 | | | | | 827 | | | |
总股本证券 | | 774 | | | | | 893 | | | |
房地产投资 | | 954 | | | | | 979 | | | |
短期证券 | | 3,927 | | | 3.06 | % | | 3,836 | | | 0.10 | % |
私募股权 | | 2,752 | | | | | 2,672 | | | |
对冲基金 | | 228 | | | | | 231 | | | |
房地产合伙企业 | | 851 | | | | | 768 | | | |
其他投资 | | 177 | | | | | 186 | | | |
其他投资总额 | | 4,008 | | | | | 3,857 | | | |
总投资 | | $ | 78,113 | | | | | $ | 87,375 | | | |
| | | | | | | | |
| | | | | | | | |
| | | | | | | | |
未实现投资收益(亏损)净额,包括在股东权益中的税后净额 | | $ | (6,317) | | | | | $ | 2,415 | | | |
| | | | | | | | |
(1)为那些带有内含账面收益率的投资提供收益率。
The Travelers Companies, Inc.
投资组合-固定到期日数据
| | | | | | | | | | | | | | | | | |
(按账面价值计算,百万美元) | | 9月30日, 2022 | | 十二月三十一日, 2021 | |
固定期限 | | | | | |
美国国债和美国政府公司和机构的义务 | | $ | 4,034 | | | $ | 3,562 | | |
美国各州和政治分区的义务: | | | | | |
预退款 | | 3,104 | | | 4,032 | | |
所有其他 | | 28,024 | | | 32,830 | | |
总计 | | 31,128 | | | 36,862 | | |
外国政府发行的债务证券 | | 941 | | | 1,041 | | |
抵押贷款支持证券--主要是美国政府机构的义务 | | 1,820 | | | 1,817 | | |
公司债券和所有其他债券 | | 30,527 | | | 34,528 | | |
总固定到期日 | | $ | 68,450 | | | $ | 77,810 | | |
| | | | | |
固定期限
质量特征(1)
| | | | | | | | | | | | | | | | | | | | | | | | | | |
| | 2022年9月30日 | | 2021年12月31日 |
| | 金额 | | 占总数的百分比 | | 金额 | | 占总数的百分比 |
质量评级 | | | | | | | | |
AAA级 | | $ | 29,937 | | | 43.7 | % | | $ | 33,323 | | | 42.8 | % |
AA型 | | 15,948 | | | 23.3 | | | 18,140 | | | 23.3 | |
A | | 12,770 | | | 18.7 | | | 14,757 | | | 19.0 | |
BAA | | 8,877 | | | 13.0 | | | 10,483 | | | 13.5 | |
总投资级 | | 67,532 | | | 98.7 | | | 76,703 | | | 98.6 | |
基数 | | 588 | | | 0.8 | | | 742 | | | 0.9 | |
B | | 270 | | | 0.4 | | | 293 | | | 0.4 | |
CAA及更低版本 | | 60 | | | 0.1 | | | 72 | | | 0.1 | |
低于投资级别的总额 | | 918 | | | 1.3 | | | 1,107 | | | 1.4 | |
总固定到期日 | | $ | 68,450 | | | 100.0 | % | | $ | 77,810 | | | 100.0 | % |
平均加权质量 | | AA2、AA | | | | AA2、AA | | |
固定到期日和短期证券的加权平均期限,扣除证券借贷活动以及投资买卖的应收账款和应付款净额 | | 4.8 | | | | | 4.2 | | | |
| | | | | | | | |
(1)使用外部评级机构进行评级,或在没有公开评级时由Travelers进行评级。低于投资级的资产是指评级为“巴”或以下的证券。
The Travelers Companies, Inc.
投资收益
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
总投资收益 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
固定期限 | | $ | 491 | | | $ | 493 | | | $ | 497 | | | $ | 508 | | | $ | 505 | | | $ | 512 | | | $ | 534 | | | | | | | | | $ | 1,481 | | | $ | 1,551 | | | | | |
短期证券 | | 3 | | | 1 | | | 2 | | | 1 | | | 2 | | | 9 | | | 23 | | | | | | | | | 6 | | | 34 | | | | | |
其他 | | 218 | | | 335 | | | 281 | | | 243 | | | 142 | | | 197 | | | 46 | | | | | | | | | 834 | | | 385 | | | | | |
| | 712 | | | 829 | | | 780 | | | 752 | | | 649 | | | 718 | | | 603 | | | | | | | | | 2,321 | | | 1,970 | | | | | |
投资费用 | | 11 | | | 11 | | | 9 | | | 9 | | | 12 | | | 11 | | | 10 | | | | | | | | | 31 | | | 33 | | | | | |
税前净投资收益 | | 701 | | | 818 | | | 771 | | | 743 | | | 637 | | | 707 | | | 593 | | | | | | | | | 2,290 | | | 1,937 | | | | | |
所得税 | | 111 | | | 136 | | | 126 | | | 119 | | | 98 | | | 112 | | | 88 | | | | | | | | | 373 | | | 298 | | | | | |
税后净投资收益 | | $ | 590 | | | $ | 682 | | | $ | 645 | | | $ | 624 | | | $ | 539 | | | $ | 595 | | | $ | 505 | | | | | | | | | $ | 1,917 | | | $ | 1,639 | | | | | |
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实际税率 | | 15.9 | % | | 16.7 | % | | 16.3 | % | | 16.0 | % | | 15.4 | % | | 15.8 | % | | 14.8 | % | | | | | | | | 16.3 | % | | 15.4 | % | | | | |
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平均投资资产(1) | | $81,209 | | $82,594 | | $84,647 | | $85,806 | | $86,345 | | $86,660 | | $87,315 | | | | | | | | $82,854 | | $86,818 | | | | |
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税前平均收益率(1) | | 3.5 | % | | 4.0 | % | | 3.6 | % | | 3.5 | % | | 2.9 | % | | 3.3 | % | | 2.7 | % | | | | | | | | 3.7 | % | | 3.0 | % | | | | |
平均税后收益率 | | 2.9 | % | | 3.3 | % | | 3.0 | % | | 2.9 | % | | 2.5 | % | | 2.7 | % | | 2.3 | % | | | | | | | | 3.1 | % | | 2.5 | % | | | | |
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(1)不包括未实现投资净收益(亏损),并根据现金、投资销售应收账款、投资购买应付账款和应计投资收入进行调整。
The Travelers Companies, Inc.
计入股东权益的已实现投资净收益(亏损)和未实现投资净收益(亏损)
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(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
已实现投资净收益(亏损) | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
固定期限 | | $ | 14 | | | $ | 24 | | | $ | 12 | | | $ | 17 | | | $ | 2 | | | $ | (21) | | | $ | (42) | | | | | | | | | $ | 50 | | | $ | (61) | | | | | |
股权证券 | | 26 | | | 32 | | | (1) | | | 38 | | | (19) | | | (64) | | | (26) | | | | | | | | | 57 | | | (109) | | | | | |
其他 | | 4 | | | 5 | | | (3) | | | 3 | | | (6) | | | (10) | | | (25) | | | | | | | | | 6 | | | (41) | | | | | |
税前已实现投资收益(亏损) | | 44 | | | 61 | | | 8 | | | 58 | | | (23) | | | (95) | | | (93) | | | | | | | | | 113 | | | (211) | | | | | |
相关税种 | | 10 | | | 14 | | | 1 | | | 14 | | | (4) | | | (21) | | | (21) | | | | | | | | | 25 | | | (46) | | | | | |
已实现投资净收益(亏损) | | $ | 34 | | | $ | 47 | | | $ | 7 | | | $ | 44 | | | $ | (19) | | | $ | (74) | | | $ | (72) | | | | | | | | | $ | 88 | | | $ | (165) | | | | | |
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总投资收益 | | $ | 50 | | | $ | 72 | | | $ | 24 | | | $ | 66 | | | $ | 13 | | | $ | 16 | | | $ | 15 | | | | | | | | | $ | 146 | | | $ | 44 | | | | | |
减值前总投资损失 | | (6) | | | (11) | | | (15) | | | (7) | | | (35) | | | (91) | | | (94) | | | | | | | | | (32) | | | (220) | | | | | |
减值前净投资收益(亏损) | | 44 | | | 61 | | | 9 | | | 59 | | | (22) | | | (75) | | | (79) | | | | | | | | | 114 | | | (176) | | | | | |
减值(费用)回收净额 | | — | | | — | | | (1) | | | (1) | | | (1) | | | (20) | | | (14) | | | | | | | | | (1) | | | (35) | | | | | |
税前已实现投资收益(亏损)净额 | | 44 | | | 61 | | | 8 | | | 58 | | | (23) | | | (95) | | | (93) | | | | | | | | | 113 | | | (211) | | | | | |
相关税种 | | 10 | | | 14 | | | 1 | | | 14 | | | (4) | | | (21) | | | (21) | | | | | | | | | 25 | | | (46) | | | | | |
已实现投资净收益(亏损) | | $ | 34 | | | $ | 47 | | | $ | 7 | | | $ | 44 | | | $ | (19) | | | $ | (74) | | | $ | (72) | | | | | | | | | $ | 88 | | | $ | (165) | | | | | |
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(百万美元) | | 3月31日, 2021 | | 6月30日, 2021 | | 9月30日, 2021 | | 十二月三十一日, 2021 | | 3月31日, 2022 | | 6月30日, 2022 | | 9月30日, 2022 | | | | | | | | | | | | | | |
未实现投资收益(亏损)净额,按资产类型,包括在股东权益中的税后净额 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
固定期限 | | $ | 3,577 | | | $ | 4,113 | | | $ | 3,428 | | | $ | 3,062 | | | $ | (1,768) | | | $ | (4,814) | | | $ | (8,018) | | | | | | | | | | | | | | | |
其他 | | 2 | | | (1) | | | (2) | | | (2) | | | (2) | | | (3) | | | (3) | | | | | | | | | | | | | | | |
税前未实现投资收益(亏损) | | 3,579 | | | 4,112 | | | 3,426 | | | 3,060 | | | (1,770) | | | (4,817) | | | (8,021) | | | | | | | | | | | | | | | |
相关税种 | | 762 | | | 873 | | | 727 | | | 645 | | | (379) | | | (1,025) | | | (1,704) | | | | | | | | | | | | | | | |
期末余额 | | $ | 2,817 | | | $ | 3,239 | | | $ | 2,699 | | | $ | 2,415 | | | $ | (1,391) | | | $ | (3,792) | | | $ | (6,317) | | | | | | | | | | | | | | | |
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The Travelers Companies, Inc.
再保险可追回款项
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(百万美元) | | 2022年9月30日 | | 2021年12月31日 |
已支付和未支付的索赔和索赔调整费用的再保险可追回毛数(1) | | $ | 3,918 | | | $ | 3,931 | |
结构调整总和(2) | | 2,808 | | | 2,900 | |
强制池和关联(3) | | 1,609 | | | 1,762 | |
可收回的再保险总金额(4) | | 8,335 | | | 8,593 | |
估计无法收回再保险拨备(5) | | (133) | | | (141) | |
可收回的再保险净额 | | $ | 8,202 | | | $ | 8,452 | |
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(1)本公司最大的五个再保险人组别,包括具追溯力的再保险,计入可收回的再保险总额如下:
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再保险人 | | A.M.集团主要再保险公司的最佳评级 | | 2022年9月30日 |
瑞士再保险集团 | | A+16个收视率中的第二高 | | $ | 560 | |
慕尼黑再保险公司 | | A+16个收视率中的第二高 | | 341 | |
伯克希尔哈撒韦 | | 16个收视率中A++最高 | | 321 | |
阿勒格哈尼集团 | | A+16个收视率中的第二高 | | 216 | |
安盛集团 | | A+16个收视率中的第二高 | | 174 | |
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已支付和未支付索赔的再保险可收回总额和索赔调整费用是指再保险人就已知和已发生但未报告的索赔应支付的当前和估计未来金额。割让储量以与相关直接储量及假设储量一致的方式估计。虽然这一总数包括来自近1000家不同再保险实体的应收账款,但约有一半归因于10家再保险公司集团。
(2)再保险可追讨款项包括与结构性结算有关的若干金额,包括向各人寿保险公司购买年金以了结某些人身伤害申索,其中工人补偿申索占相当大的比例。在本公司没有收到索赔人的豁免的情况下,人寿保险公司与结构性结算相关的应付金额将包括在公司综合资产负债表的索赔和索赔调整费用准备金以及可收回的再保险项目中,因为公司保留在人寿保险公司未能支付所需年金的情况下支付索赔人的责任。如果购买的年金不在国家担保协会的覆盖范围内,该公司将被要求支付此类款项。
本公司在结构性结算总额中排名前五的集团如下:
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集团化 | | A.M.集团主要保险公司的最佳评级 | | 2022年9月30日 |
信保人寿集团 | | A-16个收视率中的第四高 | | $ | 705 | |
Genworth金融集团 | | B在16个评级中排名第七 | | 310 | |
约翰·汉考克集团 | | A+16个收视率中的第二高 | | 238 | |
赛美特拉金融公司 | | 在16个收视率中排名第三 | | 216 | |
光明之家金融公司 | | 在16个收视率中排名第三 | | 210 | |
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(3)强制性风险池和协会代表公司需要参与的各种非自愿分配的风险池。这些保险池主要涉及工人补偿和汽车保险,它们为无法在公开市场购买保险的投保人提供各种保险。在大多数州,这些强制性资金池的成本通常按照该州自愿撰写的相关业务的比例返还给参与成员。如果集合中的一名成员破产,其余成员将按比例额外承担集合的负债份额。
(4)在扣除强制性集合和协会以及扣除估计无法收回的再保险拨备后,2022年9月30日的再保险可收回总额中,有58.4亿美元,或87%,由A.M.Best Company评级。本公司在厘定津贴时,每季度采用最新的A.M.最佳信贷评级。在A.M.Best Company评出的所有股票中,94%的股票被评为A-或更好。其余13%的再保险可收回款项包括:6%与专属自保保险公司有关,1%与本公司参与自愿池有关,以及6%为其他公司的结余,并非获A.M.Best Company评级。该公司的某些可收回再保险项目以信用证、持有的资金或信托协议为抵押。
(5)本公司报告其在扣除估计无法收回的再保险拨备后的再保险可收回款项。该津贴是根据本公司对未偿还金额、收款期的长短、再保险人信用状况的变化、纠纷、适用的承保抗辩和其他相关因素进行的持续审查得出的。对于结构性和解,津贴还基于公司对人寿保险公司信用状况的持续审查,以及如果人寿保险公司违约,估计国家担保基金可提供的承保金额。违约概率法反映了当前和预测的经济状况,用来估计因信贷相关因素而导致的无法收回的再保险金额,并在估计无法收回再保险拨备中报告。该津贴还包括与再保险公司的纠纷风险有关的估计无法收回的金额。
The Travelers Companies, Inc.
损失准备和损失调整费用净额
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(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
法定亏损准备金及亏损调整费用 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
商业保险 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期初 | | $ | 36,999 | | | $ | 37,694 | | | $ | 38,010 | | | $ | 38,342 | | | $ | 38,233 | | | $ | 38,450 | | | $ | 38,618 | | | | | | | | | $ | 36,999 | | | $ | 38,233 | | | | | |
已招致 | | 2,741 | | | 2,500 | | | 2,657 | | | 2,326 | | | 2,472 | | | 2,656 | | | 2,911 | | | | | | | | | 7,898 | | | 8,039 | | | | | |
已支付 | | (2,056) | | | (2,196) | | | (2,288) | | | (2,438) | | | (2,242) | | | (2,411) | | | (2,516) | | | | | | | | | (6,540) | | | (7,169) | | | | | |
外汇和其他 | | 10 | | | 12 | | | (37) | | | 3 | | | (13) | | | (77) | | | (108) | | | | | | | | | (15) | | | (198) | | | | | |
期末 | | $ | 37,694 | | | $ | 38,010 | | | $ | 38,342 | | | $ | 38,233 | | | $ | 38,450 | | | $ | 38,618 | | | $ | 38,905 | | | | | | | | | $ | 38,342 | | | $ | 38,905 | | | | | |
债券及专业保险 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期初 | | $ | 3,571 | | | $ | 3,691 | | | $ | 3,770 | | | $ | 3,892 | | | $ | 3,938 | | | $ | 4,079 | | | $ | 4,118 | | | | | | | | | $ | 3,571 | | | $ | 3,938 | | | | | |
已招致 | | 371 | | | 331 | | | 373 | | | 385 | | | 351 | | | 328 | | | 328 | | | | | | | | | 1,075 | | | 1,007 | | | | | |
已支付 | | (256) | | | (254) | | | (235) | | | (341) | | | (197) | | | (242) | | | (345) | | | | | | | | | (745) | | | (784) | | | | | |
外汇和其他 | | 5 | | | 2 | | | (16) | | | 2 | | | (13) | | | (47) | | | (59) | | | | | | | | | (9) | | | (119) | | | | | |
期末 | | $ | 3,691 | | | $ | 3,770 | | | $ | 3,892 | | | $ | 3,938 | | | $ | 4,079 | | | $ | 4,118 | | | $ | 4,042 | | | | | | | | | $ | 3,892 | | | $ | 4,042 | | | | | |
人身保险 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期初 | | $ | 5,677 | | | $ | 5,768 | | | $ | 6,113 | | | $ | 6,428 | | | $ | 6,418 | | | $ | 6,498 | | | $ | 6,940 | | | | | | | | | $ | 5,677 | | | $ | 6,418 | | | | | |
已招致 | | 1,808 | | | 2,172 | | | 2,385 | | | 2,062 | | | 2,171 | | | 2,774 | | | 2,795 | | | | | | | | | 6,365 | | | 7,740 | | | | | |
已支付 | | (1,730) | | | (1,837) | | | (2,051) | | | (2,075) | | | (2,103) | | | (2,306) | | | (2,486) | | | | | | | | | (5,618) | | | (6,895) | | | | | |
外汇和其他 | | 13 | | | 10 | | | (19) | | | 3 | | | 12 | | | (26) | | | (57) | | | | | | | | | 4 | | | (71) | | | | | |
期末 | | $ | 5,768 | | | $ | 6,113 | | | $ | 6,428 | | | $ | 6,418 | | | $ | 6,498 | | | $ | 6,940 | | | $ | 7,192 | | | | | | | | | $ | 6,428 | | | $ | 7,192 | | | | | |
总计 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期初 | | $ | 46,247 | | | $ | 47,153 | | | $ | 47,893 | | | $ | 48,662 | | | $ | 48,589 | | | $ | 49,027 | | | $ | 49,676 | | | | | | | | | $ | 46,247 | | | $ | 48,589 | | | | | |
已招致 | | 4,920 | | | 5,003 | | | 5,415 | | | 4,773 | | | 4,994 | | | 5,758 | | | 6,034 | | | | | | | | | 15,338 | | | 16,786 | | | | | |
已支付 | | (4,042) | | | (4,287) | | | (4,574) | | | (4,854) | | | (4,542) | | | (4,959) | | | (5,347) | | | | | | | | | (12,903) | | | (14,848) | | | | | |
外汇和其他 | | 28 | | | 24 | | | (72) | | | 8 | | | (14) | | | (150) | | | (224) | | | | | | | | | (20) | | | (388) | | | | | |
期末 | | $ | 47,153 | | | $ | 47,893 | | | $ | 48,662 | | | $ | 48,589 | | | $ | 49,027 | | | $ | 49,676 | | | $ | 50,139 | | | | | | | | | $ | 48,662 | | | $ | 50,139 | | | | | |
上一年储备发展:不利(有利) | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
商业保险 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
石棉 | | $ | — | | | $ | — | | | $ | 225 | | | $ | — | | | $ | — | | | $ | — | | | $ | 212 | | | | | | | | | $ | 225 | | | $ | 212 | | | | | |
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所有其他 | | (134) | | | (73) | | | (117) | | | (74) | | | (113) | | | (202) | | | (151) | | | | | | | | | (324) | | | (466) | | | | | |
全额商业保险(1) | | (134) | | | (73) | | | 108 | | | (74) | | | (113) | | | (202) | | | 61 | | | | | | | | | (99) | | | (254) | | | | | |
债券及专业保险 | | (15) | | | (44) | | | (22) | | | (24) | | | (35) | | | (73) | | | (63) | | | | | | | | | (81) | | | (171) | | | | | |
人身保险 | | (168) | | | (65) | | | (30) | | | 3 | | | (5) | | | (16) | | | (18) | | | | | | | | | (263) | | | (39) | | | | | |
总计 | | $ | (317) | | | $ | (182) | | | $ | 56 | | | $ | (95) | | | $ | (153) | | | $ | (291) | | | $ | (20) | | | | | | | | | $ | (443) | | | $ | (464) | | | | | |
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(1)不包括折扣的增加。
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
石棉储量
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(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
石棉储量 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期初准备金: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛收入 | | $ | 1,668 | | | $ | 1,616 | | | $ | 1,565 | | | $ | 1,777 | | | $ | 1,687 | | | $ | 1,635 | | | $ | 1,547 | | | | | | | | | $ | 1,668 | | | $ | 1,687 | | | | | |
割让 | | (330) | | | (327) | | | (315) | | | (369) | | | (346) | | | (331) | | | (322) | | | | | | | | | (330) | | | (346) | | | | | |
网络 | | 1,338 | | | 1,289 | | | 1,250 | | | 1,408 | | | 1,341 | | | 1,304 | | | 1,225 | | | | | | | | | 1,338 | | | 1,341 | | | | | |
已发生的损失和损失费用: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛收入 | | — | | | — | | | 287 | | | — | | | — | | | — | | | 287 | | | | | | | | | 287 | | | 287 | | | | | |
割让 | | — | | | — | | | (62) | | | — | | | — | | | — | | | (75) | | | | | | | | | (62) | | | (75) | | | | | |
已支付的损失和损失费用: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛收入 | | 52 | | | 51 | | | 75 | | | 89 | | | 52 | | | 85 | | | 68 | | | | | | | | | 178 | | | 205 | | | | | |
割让 | | (3) | | | (12) | | | (8) | | | (23) | | | (16) | | | (8) | | | (25) | | | | | | | | | (23) | | | (49) | | | | | |
外汇和其他: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛收入 | | — | | | — | | | — | | | (1) | | | — | | | (3) | | | (1) | | | | | | | | | — | | | (4) | | | | | |
割让 | | — | | | — | | | — | | | — | | | (1) | | | 1 | | | — | | | | | | | | | — | | | — | | | | | |
期末准备金: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
毛收入 | | 1,616 | | | 1,565 | | | 1,777 | | | 1,687 | | | 1,635 | | | 1,547 | | | 1,765 | | | | | | | | | 1,777 | | | 1,765 | | | | | |
割让 | | (327) | | | (315) | | | (369) | | | (346) | | | (331) | | | (322) | | | (372) | | | | | | | | | (369) | | | (372) | | | | | |
网络 | | $ | 1,289 | | | $ | 1,250 | | | $ | 1,408 | | | $ | 1,341 | | | $ | 1,304 | | | $ | 1,225 | | | $ | 1,393 | | | | | | | | | $ | 1,408 | | | $ | 1,393 | | | | | |
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见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
大写
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(百万美元) | | 9月30日, 2022 | | 十二月三十一日, 2021 |
债务 | | | | |
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短期债务 | | | | |
商业票据 | | $ | 100 | | | $ | 100 | |
短期债务总额 | | 100 | | | 100 | |
长期债务 | | | | |
7.75%优先债券,2026年4月15日到期 | | 200 | | | 200 | |
7.625%次级债券,2027年12月15日到期 | | 125 | | | 125 | |
6.375厘优先债券,2033年3月15日到期(1) | | 500 | | | 500 | |
2036年6月20日到期的6.75%优先债券(1) | | 400 | | | 400 | |
6.25%优先债券,2037年6月15日到期(1) | | 800 | | | 800 | |
5.35%优先债券将于2040年11月1日到期(1) | | 750 | | | 750 | |
4.60%优先债券,2043年8月1日到期(1) | | 500 | | | 500 | |
4.30%优先债券,2045年8月25日到期(1) | | 400 | | | 400 | |
8.50%次级债券,2045年12月15日到期 | | 56 | | | 56 | |
2046年5月15日到期的3.75%优先债券(1) | | 500 | | | 500 | |
8.312%次级债券,2046年7月1日到期 | | 73 | | | 73 | |
4.00%优先债券,2047年5月30日到期(1) | | 700 | | | 700 | |
4.05厘优先债券,2048年3月7日到期(1) | | 500 | | | 500 | |
4.10%优先债券,2049年3月4日到期(1) | | 500 | | | 500 | |
2.55%优先债券,2050年4月27日到期(1) | | 500 | | | 500 | |
3.05厘优先债券,2051年6月8日到期(1) | | 750 | | | 750 | |
长期债务总额 | | 7,254 | | | 7,254 | |
未摊销公允价值调整 | | 38 | | | 39 | |
未摊销债务发行成本 | | (101) | | | (103) | |
| | 7,191 | | | 7,190 | |
债务总额 | | 7,291 | | | 7,290 | |
普通股权益(不包括扣除税后的未实现投资净收益(亏损),包括在股东权益中) | | 26,223 | | | 26,472 | |
资本总额(不包括包括在股东权益中的未实现投资收益(亏损)净额、税后净额) | | $ | 33,514 | | | $ | 33,762 | |
总负债与资本之比(不包括未实现投资收益(亏损)净额,包括在股东权益中的税后净额) | | 21.8 | % | | 21.6 | % |
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(1)可随时兑换,保费为“全额”。
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
法定资本和盈余对公认会计准则股东权益的调节
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(百万美元) | | 9月30日, 2022 (1) | | 十二月三十一日, 2021 |
法定资本和盈余 | | $ | 23,375 | | | $ | 23,906 | |
GAAP调整 | | | | |
商誉和无形资产 | | 3,553 | | | 3,557 | |
投资 | | (7,722) | | | 3,261 | |
非保险公司 | | (4,422) | | | (4,230) | |
递延收购成本 | | 2,858 | | | 2,542 | |
递延联邦所得税 | | 1,070 | | | (1,274) | |
现行联邦所得税 | | (1) | | | (39) | |
再保险可追回款项 | | 87 | | | 87 | |
家具、设备和软件 | | 713 | | | 770 | |
代理余额 | | 152 | | | 147 | |
其他 | | 243 | | | 160 | |
GAAP调整总额 | | (3,469) | | | 4,981 | |
公认会计准则股东权益 | | $ | 19,906 | | | $ | 28,887 | |
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(1)估算和初步估算
见第35页和第36页的财务指标词汇表和可报告业务分类说明。
The Travelers Companies, Inc.
现金流量表
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(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
经营活动的现金流 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
净收入 | | $ | 733 | | | $ | 934 | | | $ | 662 | | | $ | 1,333 | | | $ | 1,018 | | | $ | 551 | | | $ | 454 | | | | | | | | | $ | 2,329 | | | $ | 2,023 | | | | | |
将净收入与经营活动提供的现金净额进行调整: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
已实现投资(收益)损失净额 | | (44) | | | (61) | | | (8) | | | (58) | | | 23 | | | 95 | | | 93 | | | | | | | | | (113) | | | 211 | | | | | |
折旧及摊销 | | 235 | | | 215 | | | 212 | | | 208 | | | 234 | | | 210 | | | 195 | | | | | | | | | 662 | | | 639 | | | | | |
递延联邦所得税支出(福利) | | 56 | | | 1 | | | 4 | | | 1 | | | 40 | | | (68) | | | (102) | | | | | | | | | 61 | | | (130) | | | | | |
递延收购成本的摊销 | | 1,207 | | | 1,254 | | | 1,281 | | | 1,301 | | | 1,310 | | | 1,365 | | | 1,406 | | | | | | | | | 3,742 | | | 4,081 | | | | | |
其他投资收益中的权益 | | (200) | | | (313) | | | (261) | | | (219) | | | (118) | | | (177) | | | (24) | | | | | | | | | (774) | | | (319) | | | | | |
应收保费 | | (333) | | | (385) | | | 256 | | | 204 | | | (509) | | | (562) | | | 210 | | | | | | | | | (462) | | | (861) | | | | | |
再保险可追回款项 | | 12 | | | 142 | | | (134) | | | (121) | | | (282) | | | 198 | | | 269 | | | | | | | | | 20 | | | 185 | | | | | |
递延收购成本 | | (1,258) | | | (1,343) | | | (1,354) | | | (1,272) | | | (1,413) | | | (1,504) | | | (1,502) | | | | | | | | | (3,955) | | | (4,419) | | | | | |
理赔和理赔费用准备金 | | 777 | | | 536 | | | 986 | | | 89 | | | 679 | | | 593 | | | 422 | | | | | | | | | 2,299 | | | 1,694 | | | | | |
未赚取的保费准备金 | | 509 | | | 459 | | | 492 | | | (211) | | | 727 | | | 671 | | | 635 | | | | | | | | | 1,460 | | | 2,033 | | | | | |
其他 | | (504) | | | 410 | | | 407 | | | 437 | | | (443) | | | 3 | | | 428 | | | | | | | | | 313 | | | (12) | | | | | |
经营活动提供的净现金 | | 1,190 | | | 1,849 | | | 2,543 | | | 1,692 | | | 1,266 | | | 1,375 | | | 2,484 | | | | | | | | | 5,582 | | | 5,125 | | | | | |
投资活动产生的现金流 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
固定期限的收益 | | 2,064 | | | 2,283 | | | 2,176 | | | 2,329 | | | 1,879 | | | 1,818 | | | 1,784 | | | | | | | | | 6,523 | | | 5,481 | | | | | |
出售投资的收益: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
固定期限 | | 1,238 | | | 1,244 | | | 382 | | | 301 | | | 1,044 | | | 1,657 | | | 1,250 | | | | | | | | | 2,864 | | | 3,951 | | | | | |
股权证券 | | 25 | | | 20 | | | 29 | | | 28 | | | 63 | | | 21 | | | 20 | | | | | | | | | 74 | | | 104 | | | | | |
房地产投资 | | — | | | — | | | 7 | | | 24 | | | — | | | — | | | 10 | | | | | | | | | 7 | | | 10 | | | | | |
其他投资 | | 79 | | | 116 | | | 80 | | | 152 | | | 81 | | | 92 | | | 69 | | | | | | | | | 275 | | | 242 | | | | | |
购买投资: | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
固定期限 | | (4,754) | | | (4,708) | | | (4,894) | | | (3,797) | | | (4,409) | | | (3,589) | | | (4,102) | | | | | | | | | (14,356) | | | (12,100) | | | | | |
股权证券 | | (19) | | | (22) | | | (334) | | | (32) | | | (63) | | | (23) | | | (26) | | | | | | | | | (375) | | | (112) | | | | | |
房地产投资 | | (5) | | | (9) | | | (8) | | | (6) | | | (9) | | | (7) | | | (12) | | | | | | | | | (22) | | | (28) | | | | | |
其他投资 | | (97) | | | (124) | | | (115) | | | (184) | | | (135) | | | (117) | | | (162) | | | | | | | | | (336) | | | (414) | | | | | |
短期证券净卖出(买入) | | 524 | | | (718) | | | 948 | | | 917 | | | 367 | | | (110) | | | (364) | | | | | | | | | 754 | | | (107) | | | | | |
结算过程中的证券交易 | | 269 | | | (40) | | | 178 | | | (426) | | | 613 | | | (377) | | | (22) | | | | | | | | | 407 | | | 214 | | | | | |
收购,扣除收购现金后的净额 | | (38) | | | — | | | — | | | — | | | (4) | | | — | | | — | | | | | | | | | (38) | | | (4) | | | | | |
其他 | | (60) | | | (53) | | | (86) | | | (80) | | | (84) | | | (75) | | | (132) | | | | | | | | | (199) | | | (291) | | | | | |
用于投资活动的现金净额 | | (774) | | | (2,011) | | | (1,637) | | | (774) | | | (657) | | | (710) | | | (1,687) | | | | | | | | | (4,422) | | | (3,054) | | | | | |
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The Travelers Companies, Inc.
现金流量表(续)
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(百万美元) | | 1Q2021 | | 2Q2021 | | 3Q2021 | | 4Q2021 | | 1Q2022 | | 2Q2022 | | 3Q2022 | | | | | | | | 2021年第三季度 | | 2022年第三季度 | | | | |
融资活动产生的现金流 | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
库存股收购-股份回购授权 | | (356) | | | (400) | | | (600) | | | (800) | | | (500) | | | (500) | | | (500) | | | | | | | | | (1,356) | | | (1,500) | | | | | |
收购的库存股--基于员工股份的净薪酬 | | (41) | | | (1) | | | (1) | | | (1) | | | (59) | | | — | | | (1) | | | | | | | | | (43) | | | (60) | | | | | |
支付给股东的股息 | | (214) | | | (222) | | | (219) | | | (214) | | | (213) | | | (223) | | | (220) | | | | | | | | | (655) | | | (656) | | | | | |
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债务的发行 | | — | | | 739 | | | — | | | — | | | — | | | — | | | — | | | | | | | | | 739 | | | — | | | | | |
普通股--员工股票期权的发行 | | 134 | | | 72 | | | 50 | | | 37 | | | 159 | | | 35 | | | 11 | | | | | | | | | 256 | | | 205 | | | | | |
融资活动提供(用于)的现金净额 | | (477) | | | 188 | | | (770) | | | (978) | | | (613) | | | (688) | | | (710) | | | | | | | | | (1,059) | | | (2,011) | | | | | |
汇率变动对现金的影响 | | 3 | | | — | | | (7) | | | 3 | | | (5) | | | (19) | | | (24) | | | | | | | | | (4) | | | (48) | | | | | |
现金净增(减) | | (58) | | | 26 | | | 129 | | | (57) | | | (9) | | | (42) | | | 63 | | | | | | | | | 97 | | | 12 | | | | | |
期初现金 | | 721 | | | 663 | | | 689 | | | 818 | | | 761 | | | 752 | | | 710 | | | | | | | | | 721 | | | 761 | | | | | |
期末现金 | | $ | 663 | | | $ | 689 | | | $ | 818 | | | $ | 761 | | | $ | 752 | | | $ | 710 | | | $ | 773 | | | | | | | | | $ | 818 | | | $ | 773 | | | | | |
已缴纳的所得税 | | $ | 58 | | | $ | 284 | | | $ | 201 | | | $ | 164 | | | $ | 10 | | | $ | 542 | | | $ | 111 | | | | | | | | | $ | 543 | | | $ | 663 | | | | | |
支付的利息 | | $ | 59 | | | $ | 104 | | | $ | 59 | | | $ | 115 | | | $ | 59 | | | $ | 115 | | | $ | 60 | | | | | | | | | $ | 222 | | | $ | 234 | | | | | |
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The Travelers Companies, Inc.
财务指标词汇表和可报告业务分类说明
公司管理层使用以下衡量标准来对照历史业绩评估财务业绩,在综合基础上建立业绩目标,以及出于以下讨论的其他原因。在某些情况下,根据适用的美国证券交易委员会规则,这些计量被视为非公认会计准则财务计量,因为它们没有在合并财务报表中作为单独的项目显示,或者没有要求在财务报表附注中披露,或者在某些情况下,包括或排除了通常不包括或排除在最具可比性的公认会计准则财务计量中的某些项目。
公司管理层认为,对这些措施的讨论使投资者、财务分析师、评级机构和其他财务报表使用者更好地了解构成公司定期运营结果的重要因素,以及管理层如何评估公司的财务业绩。
其中一些措施不包括已实现投资收益(亏损)净额、税后净额和/或未实现投资收益(亏损)净额,包括在股东权益中,这可能会受到可自由支配和其他经济因素的重大影响,不一定能反映经营趋势。
其他公司可能会以不同的方式计算这些衡量标准,因此,他们的衡量标准可能无法与公司管理层使用的衡量标准进行比较。
核心收益(亏损)是指综合净收益(亏损),不包括已实现投资净收益(亏损)、非持续经营、颁布时税法和税率变化的影响以及适用时会计原则变化的累积影响的税后影响。分部收入(亏损)的厘定方式与以分部为基础的核心收入(亏损)相同。管理层使用分部收益(亏损)来分析每个分部的业绩,并将其作为制定业务决策的工具。财务报表使用者在分析保险公司的业绩和趋势时也会考虑核心收益(损失)。每股核心收益(亏损)是基于每股普通股的核心收益(亏损)。
平均股东权益是(A)列报期间内每个季度开始及结束时的股东权益总额除以(B)列报期间内的季度数目乘以2。经调整股东权益指股东权益,不包括已实现投资收益(亏损)净额、税项净额、未实现投资收益(亏损)净额、已列报期间股东权益所包含的税金净额以及制定时税法和税率变化的影响(不包括与未实现投资收益(亏损)净额相关的部分)。经调整平均股东权益为(A)列报期间内每个季度期初及期末经调整股东权益总额除以(B)列报期间内的季度数目乘以二。
调整后的股东权益与股东权益的对账
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(百万美元) | | March 31, 2021 | | June 30, 2021 | | 2021年9月30日 | | 2021年12月31日 | | March 31, 2022 | | June 30, 2022 | | 2022年9月30日 | | | | | | |
股东权益 | | $ | 28,269 | | | $ | 29,156 | | | $ | 28,474 | | | $ | 28,887 | | | $ | 25,531 | | | $ | 22,874 | | | $ | 19,906 | | | | | | | |
调整: | | | | | | | | | | | | | | | | | | | | |
未实现投资(收益)损失净额,包括在股东权益中的税后净额 | | (2,817) | | | (3,239) | | | (2,699) | | | (2,415) | | | 1,391 | | | 3,792 | | | 6,317 | | | | | | | |
已实现投资(收益)损失净额,税后净额 | | (34) | | | (81) | | | (88) | | | (132) | | | 19 | | | 93 | | | 165 | | | | | | | |
税法和/或税率变化的影响(1) | | — | | | (8) | | | (8) | | | (8) | | | — | | | — | | | — | | | | | | | |
调整后股东权益 | | $ | 25,418 | | | $ | 25,828 | | | $ | 25,679 | | | $ | 26,332 | | | $ | 26,941 | | | $ | 26,759 | | | $ | 26,388 | | | | | | | |
(1)在变更颁布的会计期间确认影响 | | | | | | | | | | | | | | | | | | | | |
股本回报率是指列示期间的年化净收益(亏损)与平均股东权益的比率。核心股本回报率是指列示期间的年化核心收益(亏损)与调整后平均股东权益的比率。在公司管理层看来,这些是管理层通过经营活动和资本管理为股东创造价值的重要指标。
承保收益(损失)是净赚取的保费和手续费收入减去索赔和索赔调整费用以及与保险有关的费用。本公司管理层认为,重要的是衡量每个部门的盈利能力,不包括投资活动的结果,投资活动与保险业务分开管理。这一衡量标准用于评估每个细分市场的业务表现,并作为制定业务决策的工具。
巨灾是由国际公认的组织指定的严重损失,这些组织跟踪和报告灾难性事件造成的保险损失,例如美国和加拿大事件的财产索赔服务(PCS)。除其他外,飓风、龙卷风和其他风暴、地震、冰雹、野火、严冬天气、洪水、海啸、火山喷发和其他自然发生的事件,如太阳耀斑,都可能造成灾难。灾难也可能是人为的,例如恐怖袭击和其他故意破坏行为,包括涉及核、生物、化学和辐射事件、网络事件、爆炸和破坏基础设施的行为。每一次灾难都有独特的特点,灾难在时间或数量上都是不可预测的。其影响在发生时计入净收益和核心收入以及索赔和索赔调整费用准备金。巨灾可能导致从不同的池中支付再保险、复原费和摊款。该公司披露灾难的门槛主要确定在可报告的部门层面。如果超过一个分部或其组合的门槛,而其他分部因同一事件而产生损失,则该事件的损失在分部业绩和本公司的综合业绩中被确认为巨灾损失。此外,对所有可报告细分市场的国际业务应用了一个汇总门槛。2022年的门槛从2000万美元到3000万美元的再保险和税前损失。
有利(不利)上年度损失准备金发展净额是指因对一组索赔在连续的估值日期重新估计索赔和索赔调整费用准备金而产生的已发生索赔和索赔调整费用的增加或减少,这可能与一个或多个前几年有关。在公司管理层看来,探讨损失准备金的发展对
The Travelers Companies, Inc.
财务指标词汇表和可报告业务分类说明
财务报表的使用者可以使用财务报表,因为财务报表使他们能够评估上一年和本年度的发展对已发生的索赔和索赔调整费用、净收益和核心收入(损失)以及各期间索赔和索赔调整费用准备金水平变化的影响。
法定会计实务综合比率(SAP),综合比率为保险监管机构要求的法定财务报表所界定的SAP亏损及LAE比率与SAP承保费用比率的总和。本财务补充资料所使用的综合比率与SAP综合比率相同,并以相同的方式计算,只是SAP承保费用比率以净承保保费为基础,而本财务补充资料所使用的承保费用比率则以净赚取保费为基础。对SAP而言,亏损和LAE比率是发生的亏损和亏损调整费用减去某些行政服务费收入与保险监管机构要求的法定财务报表中定义的净赚取保费的比率。本财务补充资料中使用的损失和LAE比率的计算方式与SAP比率相同。对SAP而言,承保费用比率为已产生的承保费用(包括支付的佣金)减去某些行政服务费收入及账单和保单费用及其他费用与保险监管机构规定的法定财务报表所界定的净保费的比率。本财务补充资料中使用的承保费用比率是承保费用(包括递延收购成本的摊销)减去某些行政服务费收入以及账单和保单费用与净赚取保费的比率。基础综合比率是经调整以剔除上一年准备金发展和巨灾的影响的综合比率,扣除再保险后的净额。
综合比率、亏损和净资产收益率以及承保费用比率被用作公司承保纪律、收购和服务其业务的效率以及整体承保盈利能力的指标。综合比率低于100%通常表示承保利润。综合比率超过100%通常表示承保亏损。
其他公司计算类似名称的措施的方法可能无法与本公司计算这些比率的方法相比较。
毛保费反映了根据保险合同的条款和条件,在合同有效期内向投保人收取的直接和假定合同确定的金额。净承保保费反映承保毛保费减去转让给再保险人的保费。
每股账面价值是普通股股东权益总额除以已发行普通股数量。调整后的每股账面价值是包括在股东权益中的普通股股东权益总额除以已发行普通股数量,其中不包括未实现投资净额和未实现投资损失净额。本公司管理层认为,经调整的每股账面价值有助于分析财产伤亡公司的每股账面价值,因为它消除了价格变化对投资资产(即未实现投资收益(亏损)净额)的影响,而投资资产对未付索赔和索赔调整费用准备金没有同等影响。
总资本是股东权益和债务总额的总和。包括在股东权益中的不包括投资未实现净收益(净亏损)的债务与资本比率是包括在股东权益中的不包括未实现投资净收益和净亏损的债务与总资本的比率。本公司管理层认为,负债与资本比率在分析本公司财务杠杆方面是有用的。
法定资本和盈余是指保险公司的认列资产超过其负债的部分,包括损失准备金,这是按照法定会计惯例确定的。
Travelers将其业务划分为以下可报告的业务部门:
商业保险-商业保险为其客户提供广泛的财产和意外伤害保险以及与保险相关的服务,主要是在美国,以及加拿大、英国、爱尔兰共和国和世界各地作为劳合社的企业成员。商业保险的组织如下:精选账户;中间市场,包括商业账户、建筑、技术、公共部门服务、石油和天然气、超额意外伤害、内陆海洋、海洋和锅炉机械;国民账户;国家财产和其他包括国家财产、北方运输、Northfield、国家计划和农业商业在内的服务;以及国际包括全球服务。商业保险还包括Simply Business,这是一家主要在英国收购的领先小型企业保单提供商,于2017年8月被收购,以及商业保险Other,主要包括公司的石棉和环境负债,以及假设的再保险和某些其他径流业务。
债券与专业保险-债券与专业保险利用不同程度的基于财务的承保方法,为其在美国的客户以及加拿大、英国、爱尔兰共和国和巴西的某些专业保险产品提供保证、忠诚度、管理责任、专业责任和其他财产和意外伤害以及相关风险管理服务。承保范围包括建筑和一般商业企业的履约、付款、商业保证和忠诚保证金;上市公司、私营公司、非营利组织和金融机构的管理责任保险,包括董事和高级管理人员责任、员工不诚实行为、雇佣行为责任、受托责任和网络风险;各种专业人员的专业责任保险,其中包括律师和设计专业人员;以及仅在美国的金融机构的财产、工人补偿、汽车和一般法律责任。
在巴西和哥伦比亚的债券和专业保险保证业务是通过Jinto Holding Brasil S.A.(Jto)和Jto Holding Latam S.A.在巴西开展的。该公司拥有巴西担保保险市场领先者Jinto和哥伦比亚初创企业担保提供商Jinto Holding Latam S.A.的49.5%的股份。这些合资企业投资采用权益法入账,并计入综合资产负债表中的“其他投资”。
人身保险-人身保险承保范围广泛的财产和意外伤害保险,涵盖个人的个人风险,主要是在美国和加拿大。汽车和房主保险的主要产品与一系列相关保险相辅相成。