附录 99.2
| | | | | | | | | | | | | | | | | |
| | | | | |
| | | | | |
季度财务补充文件-1Q2023 | | | | | |
| | | | | |
本季度财务补充文件中的信息未经审计,前几期已进行了重组,以帮助我们的财务报表用户了解采用ASU 2018-12与有针对性地改进长期保险合同会计有关的影响。我们未来向美国证券交易委员会提交的文件中包含的财务业绩可能与本文提供的信息存在重大差异。 | | | | | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
2023年5月1日 | | | | | |
| | | | | |
| | | | | | | | | | | | | | |
目录 | | | | 页面 |
| | | | |
合并资产负债表 | | | | 3 |
合并运营报表 | | | | 4 |
财务摘要 | | | | 5 |
保险业务 | | | | 6 |
保险产品的利润 | | | | 7-9 |
从年金和利息敏感型人寿产品及保单收入中收取的保费 | | | | 10 |
健康与人寿新年化保费 | | | | 11 |
加权平均已发行股票的计算 | | | | 12 |
法定信息 | | | | 13 |
未分配给产品线的投资收入和分配给产品线的投资收益 | | | | 14-17 |
其他投资数据 | | | | 17 |
重要物品 | | | | 18-20 |
注意事项 | | | | 21 |
CNO 金融集团有限公司
合并资产负债表
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | |
| 3 月 22 日 | | 6月22日 | | 9 月 22 日 | | 12 月 22 日 | | 3 月 23 日 | | | | | | |
资产 | | | | | | | | | | | | | | | |
投资: | | | | | | | | | | | | | | | |
固定到期日,可供出售,按公允价值计算 | $ | 23,479.4 | | | $ | 21,362.7 | | | $ | 20,301.1 | | | $ | 20,353.4 | | | $ | 21,107.1 | | | | | | | |
公允价值的股权证券 | 91.0 | | | 136.9 | | | 135.8 | | | 135.3 | | | 106.1 | | | | | | | |
抵押贷款 | 1,213.3 | | | 1,215.3 | | | 1,227.3 | | | 1,411.9 | | | 1,676.1 | | | | | | | |
保单贷款 | 119.5 | | | 119.5 | | | 120.2 | | | 121.6 | | | 123.0 | | | | | | | |
交易证券 | 223.0 | | | 198.9 | | | 223.3 | | | 207.9 | | | 208.1 | | | | | | | |
可变利息实体持有的投资 | 1,180.8 | | | 1,107.7 | | | 1,099.2 | | | 1,077.6 | | | 1,017.9 | | | | | | | |
其他投资资产 | 1,121.8 | | | 1,086.6 | | | 1,028.6 | | | 1,034.7 | | | 1,097.1 | | | | | | | |
投资总额 | 27,428.8 | | | 25,227.6 | | | 24,135.5 | | | 24,342.4 | | | 25,335.4 | | | | | | | |
现金及现金等价物-不受限制 | 546.0 | | | 567.2 | | | 498.0 | | | 575.7 | | | 425.0 | | | | | | | |
可变利息实体持有的现金和现金等价物 | 48.0 | | | 52.2 | | | 55.5 | | | 69.2 | | | 97.1 | | | | | | | |
应计投资收益 | 227.9 | | | 224.1 | | | 236.0 | | | 235.6 | | | 241.3 | | | | | | | |
未来利润的现值 | 223.2 | | | 216.4 | | | 210.0 | | | 203.7 | | | 197.6 | | | | | | | |
递延收购成本 | 1,659.6 | | | 1,697.4 | | | 1,731.4 | | | 1,770.9 | | | 1,811.3 | | | | | | | |
再保险应收账款 | 4,387.0 | | | 4,288.0 | | | 4,218.6 | | | 4,223.4 | | | 4,189.6 | | | | | | | |
市场风险收益资产 | 16.9 | | | 37.3 | | | 56.3 | | | 65.3 | | | 57.8 | | | | | | | |
所得税资产,净额 | 773.1 | | | 951.9 | | | 1,023.9 | | | 1,063.4 | | | 988.1 | | | | | | | |
在单独账户中持有的资产 | 3.6 | | | 3.0 | | | 2.7 | | | 2.7 | | | 2.8 | | | | | | | |
其他资产 | 671.0 | | | 566.9 | | | 552.2 | | | 580.8 | | | 669.0 | | | | | | | |
总资产 | $ | 35,985.1 | | | $ | 33,832.0 | | | $ | 32,720.1 | | | $ | 33,133.1 | | | $ | 34,015.0 | | | | | | | |
负债 | | | | | | | | | | | | | | | |
保险产品的负债: | | | | | | | | | | | | | | | |
保单持有人账户负债 | $ | 14,725.6 | | | $ | 14,959.4 | | | $ | 15,079.7 | | | $ | 15,234.2 | | | $ | 15,302.9 | | | | | | | |
未来的保单福利 | 13,206.1 | | | 11,784.9 | | | 10,815.5 | | | 11,240.2 | | | 11,623.3 | | | | | | | |
市场风险收益责任 | 63.8 | | | 29.9 | | | 13.7 | | | 11.3 | | | 17.6 | | | | | | | |
人寿保险保单索赔的责任 | 94.1 | | | 66.2 | | | 63.9 | | | 64.1 | | | 67.6 | | | | | | | |
未赚取的保费和预付保费 | 250.0 | | | 243.4 | | | 238.2 | | | 235.0 | | | 243.5 | | | | | | | |
与单独账户有关的负债 | 3.6 | | | 3.0 | | | 2.7 | | | 2.7 | | | 2.8 | | | | | | | |
其他负债 | 912.3 | | | 713.2 | | | 749.4 | | | 693.9 | | | 681.3 | | | | | | | |
投资借款 | 1,640.5 | | | 1,640.2 | | | 1,639.9 | | | 1,639.5 | | | 1,839.6 | | | | | | | |
与可变利息实体相关的借款 | 1,133.1 | | | 1,125.9 | | | 1,115.3 | | | 1,104.6 | | | 1,065.4 | | | | | | | |
应付票据——公司直接债务 | 1,137.6 | | | 1,138.0 | | | 1,138.4 | | | 1,138.8 | | | 1,139.2 | | | | | | | |
负债总额 | 33,166.7 | | | 31,704.1 | | | 30,856.7 | | | 31,364.3 | | | 31,983.2 | | | | | | | |
股东权益 | | | | | | | | | | | | | | | |
普通股 | 1.2 | | | 1.1 | | | 1.1 | | | 1.1 | | | 1.1 | | | | | | | |
额外的实收资本 | 2,085.7 | | | 2,032.7 | | | 2,030.6 | | | 2,033.8 | | | 2,021.1 | | | | | | | |
留存收益 | 1,293.0 | | | 1,509.9 | | | 1,669.5 | | | 1,691.2 | | | 1,674.0 | | | | | | | |
扣除累计其他综合收益(亏损)前的股东权益总额 | 3,379.9 | | | 3,543.7 | | | 3,701.2 | | | 3,726.1 | | | 3,696.2 | | | | | | | |
累计其他综合收益(亏损) | (561.5) | | | (1,415.8) | | | (1,837.8) | | | (1,957.3) | | | (1,664.4) | | | | | | | |
股东权益总额 | 2,818.4 | | | 2,127.9 | | | 1,863.4 | | | 1,768.8 | | | 2,031.8 | | | | | | | |
负债和股东权益总额 | $ | 35,985.1 | | | $ | 33,832.0 | | | $ | 32,720.1 | | | $ | 33,133.1 | | | $ | 34,015.0 | | | | | | | |
| | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | |
| 3 月 22 日 | | 6月22日 | | 9 月 22 日 | | 12 月 22 日 | | 3 月 23 日 | | | | | | |
| | | | | | | | | | | | | | | |
普通股每股账面价值 | $ | 24.04 | | | $ | 18.54 | | | $ | 16.29 | | | $ | 15.47 | | | $ | 17.68 | | | | | | | |
| | | | | | | | | | | | | | | |
每股普通股的账面价值,不包括累计的其他综合收益(亏损)(1) (2) | $ | 28.83 | | | $ | 30.87 | | | $ | 32.36 | | | $ | 32.59 | | | $ | 32.17 | | | | | | | |
| | | | | | | | | | | | | | | |
摊薄后每股账面价值 (1) (3) | $ | 28.28 | | | $ | 30.50 | | | $ | 31.91 | | | $ | 31.89 | | | $ | 31.82 | | | | | | | |
| | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | |
CNO 金融集团有限公司
合并运营报表
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
收入 | | | | | | | | | | | | | | | | | | | |
保单收入 | $ | 625.0 | | | $ | 625.6 | | | $ | 623.2 | | | $ | 626.0 | | | $ | 2,499.8 | | | $ | 625.5 | | | | | | | | | |
净投资收益: | | | | | | | | | | | | | | | | | | | |
一般账户资产 | 277.5 | | | 317.7 | | | 289.0 | | | 294.8 | | | 1,179.0 | | | 292.2 | | | | | | | | | |
保单持有人和其他特殊用途投资组合 | (69.3) | | | (93.8) | | | (20.9) | | | 20.9 | | | (163.1) | | | 50.8 | | | | | | | | | |
投资收益(亏损): | | | | | | | | | | | | | | | | | | | |
已实现的投资收益(亏损) | 18.8 | | | (7.0) | | | (8.2) | | | (21.5) | | | (17.9) | | | (14.6) | | | | | | | | | |
其他投资损失 | (51.5) | | | (41.8) | | | (9.5) | | | (14.7) | | | (117.5) | | | — | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
投资损失总额 | (32.7) | | | (48.8) | | | (17.7) | | | (36.2) | | | (135.4) | | | (14.6) | | | | | | | | | |
费用收入和其他收入 | 42.4 | | | 54.3 | | | 31.7 | | | 68.1 | | | 196.5 | | | 52.1 | | | | | | | | | |
总收入 | 842.9 | | | 855.0 | | | 905.3 | | | 973.6 | | | 3,576.8 | | | 1,006.0 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
福利和开支 | | | | | | | | | | | | | | | | | | | |
保险单福利 | 333.9 | | | 302.2 | | | 396.1 | | | 583.2 | | | 1,615.4 | | | 609.7 | | | | | | | | | |
未来保单福利重新计量(收益)损失的负债 | 7.0 | | | 0.3 | | | (5.0) | | | (17.9) | | | (15.6) | | | 0.6 | | | | | | | | | |
市场风险收益公允价值的变化 | (32.7) | | | (50.3) | | | (34.9) | | | (22.3) | | | (140.2) | | | 14.8 | | | | | | | | | |
利息支出 | 23.8 | | | 27.8 | | | 37.6 | | | 47.8 | | | 137.0 | | | 54.7 | | | | | | | | | |
摊销 | 52.3 | | | 52.7 | | | 53.5 | | | 54.3 | | | 212.8 | | | 55.5 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
其他运营成本和支出 | 218.3 | | | 222.5 | | | 230.1 | | | 280.0 | | | 950.9 | | | 271.7 | | | | | | | | | |
福利和支出总额 | 602.6 | | | 555.2 | | | 677.4 | | | 925.1 | | | 2,760.3 | | | 1,007.0 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
所得税前收入(亏损) | 240.3 | | | 299.8 | | | 227.9 | | | 48.5 | | | 816.5 | | | (1.0) | | | | | | | | | |
期内收入(亏损)的所得税支出(收益) | 56.9 | | | 66.5 | | | 52.0 | | | 10.5 | | | 185.9 | | | (0.2) | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
净收益(亏损) | $ | 183.4 | | | $ | 233.3 | | | $ | 175.9 | | | $ | 38.0 | | | $ | 630.6 | | | $ | (0.8) | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
财务摘要
(以百万美元计,每股数据除外)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
保险产品利润率 (4) | | | | | | | | | | | | | | | | | | | |
年金保证金 | $ | 55.9 | | | $ | 60.1 | | | $ | 60.1 | | | $ | 50.8 | | | $ | 226.9 | | | $ | 57.3 | | | | | | | | | |
健康边距 | 115.3 | | | 125.4 | | | 123.3 | | | 140.4 | | | 504.4 | | | 116.5 | | | | | | | | | |
寿命边距 | 36.0 | | | 70.2 | | | 55.7 | | | 43.3 | | | 205.2 | | | 47.4 | | | | | | | | | |
保险产品总利润率 | 207.2 | | | 255.7 | | | 239.1 | | | 234.5 | | | 936.5 | | | 221.2 | | | | | | | | | |
分配的费用 | (144.8) | | | (152.2) | | | (150.5) | | | (149.1) | | | (596.6) | | | (157.5) | | | | | | | | | |
保险产品收入 (5) | 62.4 | | | 103.5 | | | 88.6 | | | 85.4 | | | 339.9 | | | 63.7 | | | | | | | | | |
费用收入 | 9.9 | | | 3.2 | | | 1.4 | | | 9.2 | | | 23.7 | | | 15.5 | | | | | | | | | |
未分配给产品线的投资收入 (9) | 27.0 | | | 64.6 | | | 27.1 | | | 25.2 | | | 143.9 | | | 15.5 | | | | | | | | | |
未分配给产品系列的费用 | (14.8) | | | 2.9 | | | (16.1) | | | (12.8) | | | (40.8) | | | (18.3) | | | | | | | | | |
税前营业收益 | 84.5 | | | 174.2 | | | 101.0 | | | 107.0 | | | 466.7 | | | 76.4 | | | | | | | | | |
营业收入的所得税支出 | (20.0) | | | (39.1) | | | (23.1) | | | (24.1) | | | (106.3) | | | (17.8) | | | | | | | | | |
净营业收入 (10) | 64.5 | | | 135.1 | | | 77.9 | | | 82.9 | | | 360.4 | | | 58.6 | | | | | | | | | |
来自销售、减值和信贷损失备抵变动的已实现投资净收益(亏损) | (7.2) | | | (27.1) | | | (0.7) | | | (27.2) | | | (62.2) | | | (12.7) | | | | | | | | | |
在收益中确认的投资市值的净变动 | (25.5) | | | (21.7) | | | (17.0) | | | (9.0) | | | (73.2) | | | (1.9) | | | | | | | | | |
与代理人递延薪酬计划相关的公允价值变动 | 22.7 | | | 14.0 | | | 12.0 | | | 0.2 | | | 48.9 | | | — | | | | | | | | | |
嵌入式衍生负债公允价值的变化和市场风险收益 | 165.4 | | | 160.6 | | | 130.6 | | | (16.4) | | | 440.2 | | | (65.1) | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
其他 | 0.4 | | | (0.2) | | | 2.0 | | | (6.1) | | | (3.9) | | | 2.3 | | | | | | | | | |
税前净营业收入(亏损) | 155.8 | | | 125.6 | | | 126.9 | | | (58.5) | | | 349.8 | | | (77.4) | | | | | | | | | |
非营业收入(亏损)的所得税(支出)优惠 | (36.9) | | | (27.4) | | | (28.9) | | | 13.6 | | | (79.6) | | | 18.0 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
净营业收入(亏损) | 118.9 | | | 98.2 | | | 98.0 | | | (44.9) | | | 270.2 | | | (59.4) | | | | | | | | | |
净收益(亏损) | $ | 183.4 | | | $ | 233.3 | | | $ | 175.9 | | | $ | 38.0 | | | $ | 630.6 | | | $ | (0.8) | | | | | | | | | |
摊薄后每股 | | | | | | | | | | | | | | | | | | | |
净营业收入 | $ | 0.54 | | | $ | 1.15 | | | $ | 0.67 | | | $ | 0.71 | | | $ | 3.06 | | | $ | 0.51 | | | | | | | | | |
净营业收入(亏损) | 0.98 | | | 0.84 | | | 0.85 | | | (0.38) | | | 2.30 | | | (0.52) | | | | | | | | | |
净收益(亏损) | $ | 1.52 | | | $ | 1.99 | | | $ | 1.52 | | | $ | 0.33 | | | $ | 5.36 | | | $ | (0.01) | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
保险业务
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
保险产品利润率 (4) | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | |
保单收入 | $ | 5.0 | | | $ | 5.8 | | | $ | 6.3 | | | $ | 6.0 | | | $ | 23.1 | | | $ | 5.1 | | | | | | | | | |
净投资收益 (5) (6) | 117.5 | | | 117.8 | | | 121.1 | | | 123.6 | | | 480.0 | | | 125.4 | | | | | | | | | |
保险单福利 | (9.5) | | | (6.8) | | | (6.5) | | | (15.5) | | | (38.3) | | | (8.7) | | | | | | | | | |
贷记利息 (6) | (42.5) | | | (41.4) | | | (44.8) | | | (46.8) | | | (175.5) | | | (48.1) | | | | | | | | | |
摊销和非递延佣金 | (14.6) | | | (15.3) | | | (16.0) | | | (16.5) | | | (62.4) | | | (16.4) | | | | | | | | | |
年金保证金 | 55.9 | | | 60.1 | | | 60.1 | | | 50.8 | | | 226.9 | | | 57.3 | | | | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | |
保单收入 | 406.7 | | | 403.5 | | | 403.5 | | | 403.6 | | | 1,617.3 | | | 401.4 | | | | | | | | | |
净投资收益 (5) | 73.3 | | | 73.0 | | | 73.3 | | | 73.7 | | | 293.3 | | | 74.0 | | | | | | | | | |
保险单福利 | (323.1) | | | (309.9) | | | (310.8) | | | (293.7) | | | (1,237.5) | | | (318.1) | | | | | | | | | |
摊销和非递延佣金 | (41.6) | | | (41.2) | | | (42.7) | | | (43.2) | | | (168.7) | | | (40.8) | | | | | | | | | |
健康边距 | 115.3 | | | 125.4 | | | 123.3 | | | 140.4 | | | 504.4 | | | 116.5 | | | | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | |
保单收入 | 213.3 | | | 216.3 | | | 213.4 | | | 216.4 | | | 859.4 | | | 219.0 | | | | | | | | | |
净投资收益 (5) (7) | 35.5 | | | 35.2 | | | 35.4 | | | 35.8 | | | 141.9 | | | 36.3 | | | | | | | | | |
保险单福利 | (153.1) | | | (127.7) | | | (138.7) | | | (155.8) | | | (575.3) | | | (147.2) | | | | | | | | | |
贷记利息 (7) | (12.0) | | | (11.7) | | | (12.6) | | | (12.7) | | | (49.0) | | | (12.1) | | | | | | | | | |
摊销和非递延佣金 | (18.4) | | | (19.3) | | | (19.7) | | | (20.1) | | | (77.5) | | | (19.9) | | | | | | | | | |
广告费用 | (29.3) | | | (22.6) | | | (22.1) | | | (20.3) | | | (94.3) | | | (28.7) | | | | | | | | | |
寿命边距 | 36.0 | | | 70.2 | | | 55.7 | | | 43.3 | | | 205.2 | | | 47.4 | | | | | | | | | |
保险产品总利润率 | 207.2 | | | 255.7 | | | 239.1 | | | 234.5 | | | 936.5 | | | 221.2 | | | | | | | | | |
分配的费用: | | | | | | | | | | | | | | | | | | | |
分支机构开支 | (18.1) | | | (15.4) | | | (16.5) | | | (12.3) | | | (62.3) | | | (19.8) | | | | | | | | | |
其他分配的支出 | (126.7) | | | (136.8) | | | (134.0) | | | (136.8) | | | (534.3) | | | (137.7) | | | | | | | | | |
保险产品收入 (8) | 62.4 | | | 103.5 | | | 88.6 | | | 85.4 | | | 339.9 | | | 63.7 | | | | | | | | | |
费用收入 | 9.9 | | | 3.2 | | | 1.4 | | | 9.2 | | | 23.7 | | | 15.5 | | | | | | | | | |
未分配给产品线的投资收入 (9) | 27.0 | | | 64.6 | | | 27.1 | | | 25.2 | | | 143.9 | | | 15.5 | | | | | | | | | |
未分配给产品系列的费用 | (14.8) | | | 2.9 | | | (16.1) | | | (12.8) | | | (40.8) | | | (18.3) | | | | | | | | | |
税前营业收益 | 84.5 | | | 174.2 | | | 101.0 | | | 107.0 | | | 466.7 | | | 76.4 | | | | | | | | | |
营业收入的所得税支出 | (20.0) | | | (39.1) | | | (23.1) | | | (24.1) | | | (106.3) | | | (17.8) | | | | | | | | | |
净营业收入 (10) | $ | 64.5 | | | $ | 135.1 | | | $ | 77.9 | | | $ | 82.9 | | | $ | 360.4 | | | $ | 58.6 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
年金产品的利润
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
年金保证金 (4): | | | | | | | | | | | | | | | | | | | |
固定指数年金 | | | | | | | | | | | | | | | | | | | |
保单收入 | $ | 3.0 | | | $ | 3.7 | | | $ | 3.6 | | | $ | 4.2 | | | $ | 14.5 | | | $ | 3.6 | | | | | | | | | |
净投资收益 (5) (6) | 90.1 | | | 91.4 | | | 95.0 | | | 97.3 | | | 373.8 | | | 98.8 | | | | | | | | | |
保险单福利 | (4.6) | | | (3.1) | | | (2.0) | | | (10.3) | | | (20.0) | | | (4.1) | | | | | | | | | |
贷记利息 (6) | (30.4) | | | (29.5) | | | (33.0) | | | (34.6) | | | (127.5) | | | (36.4) | | | | | | | | | |
摊销和非递延佣金 | (13.3) | | | (14.1) | | | (14.7) | | | (15.3) | | | (57.4) | | | (15.4) | | | | | | | | | |
固定指数年金的利润率 | $ | 44.8 | | | $ | 48.4 | | | $ | 48.9 | | | $ | 41.3 | | | $ | 183.4 | | | $ | 46.5 | | | | | | | | | |
平均净保险负债 (11) | $ | 8,486.3 | | | $ | 8,711.0 | | | $ | 8,902.9 | | | $ | 9,054.2 | | | $ | 8,788.6 | | | $ | 9,183.8 | | | | | | | | | |
利润率/平均净保险负债 (12) | 2.11 | % | | 2.22 | % | | 2.20 | % | | 1.82 | % | | 2.09 | % | | 2.03 | % | | | | | | | | |
固定利率年金 | | | | | | | | | | | | | | | | | | | |
保单收入 | $ | 0.1 | | | $ | 0.3 | | | $ | 0.2 | | | $ | 0.2 | | | $ | 0.8 | | | $ | 0.3 | | | | | | | | | |
净投资收益 (5) | 21.5 | | | 20.6 | | | 20.3 | | | 20.6 | | | 83.0 | | | 20.9 | | | | | | | | | |
保险单福利 | (0.4) | | | (0.6) | | | 0.1 | | | (0.2) | | | (1.1) | | | (0.1) | | | | | | | | | |
利息贷记 | (11.5) | | | (11.3) | | | (11.2) | | | (11.7) | | | (45.7) | | | (11.1) | | | | | | | | | |
摊销和非递延佣金 | (1.2) | | | (1.1) | | | (1.2) | | | (1.1) | | | (4.6) | | | (0.9) | | | | | | | | | |
固定利率年金的利润 | $ | 8.5 | | | $ | 7.9 | | | $ | 8.2 | | | $ | 7.8 | | | $ | 32.4 | | | $ | 9.1 | | | | | | | | | |
平均净保险负债 (11) | $ | 1,761.2 | | | $ | 1,712.5 | | | $ | 1,675.9 | | | $ | 1,652.6 | | | $ | 1,700.5 | | | $ | 1,630.9 | | | | | | | | | |
利润率/平均净保险负债 (12) | 1.93 | % | | 1.85 | % | | 1.96 | % | | 1.89 | % | | 1.91 | % | | 2.23 | % | | | | | | | | |
其他年金 | | | | | | | | | | | | | | | | | | | |
保单收入 | $ | 1.9 | | | $ | 1.8 | | | $ | 2.5 | | | $ | 1.6 | | | $ | 7.8 | | | $ | 1.2 | | | | | | | | | |
净投资收益 (5) | 5.9 | | | 5.8 | | | 5.8 | | | 5.7 | | | 23.2 | | | 5.7 | | | | | | | | | |
保险单福利 | (4.5) | | | (3.1) | | | (4.6) | | | (5.0) | | | (17.2) | | | (4.5) | | | | | | | | | |
利息贷记 | (0.6) | | | (0.6) | | | (0.6) | | | (0.5) | | | (2.3) | | | (0.6) | | | | | | | | | |
摊销和非递延佣金 | (0.1) | | | (0.1) | | | (0.1) | | | (0.1) | | | (0.4) | | | (0.1) | | | | | | | | | |
其他年金的利润 | $ | 2.6 | | | $ | 3.8 | | | $ | 3.0 | | | $ | 1.7 | | | $ | 11.1 | | | $ | 1.7 | | | | | | | | | |
平均净保险负债 (11) | $ | 490.2 | | | $ | 484.2 | | | $ | 478.8 | | | $ | 473.6 | | | $ | 481.7 | | | $ | 469.5 | | | | | | | | | |
利润率/平均净保险负债 (12) | 2.12 | % | | 3.14 | % | | 2.51 | % | | 1.44 | % | | 2.30 | % | | 1.45 | % | | | | | | | | |
年金总利润率 | $ | 55.9 | | | $ | 60.1 | | | $ | 60.1 | | | $ | 50.8 | | | $ | 226.9 | | | $ | 57.3 | | | | | | | | | |
平均净保险负债 (11) | $ | 10,737.7 | | | $ | 10,907.7 | | | $ | 11,057.6 | | | $ | 11,180.4 | | | $ | 10,970.8 | | | $ | 11,284.2 | | | | | | | | | |
利润率/平均净保险负债 (12) | 2.08 | % | | 2.20 | % | | 2.17 | % | | 1.82 | % | | 2.07 | % | | 2.03 | % | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
健康产品的利润
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
健康边距 (4): | | | | | | | | | | | | | | | | | | | |
补充健康 | | | | | | | | | | | | | | | | | | | |
保单收入 | $ | 173.5 | | | $ | 172.0 | | | $ | 173.5 | | | $ | 175.3 | | | $ | 694.3 | | | $ | 179.0 | | | | | | | | | |
净投资收益 (5) | 37.4 | | | 37.6 | | | 37.7 | | | 38.2 | | | 150.9 | | | 38.6 | | | | | | | | | |
保险单福利 | (129.3) | | | (128.1) | | | (125.8) | | | (125.6) | | | (508.8) | | | (128.2) | | | | | | | | | |
摊销和非递延佣金 | (25.5) | | | (25.5) | | | (26.9) | | | (27.6) | | | (105.5) | | | (26.1) | | | | | | | | | |
补充健康的利润 | $ | 56.1 | | | $ | 56.0 | | | $ | 58.5 | | | $ | 60.3 | | | $ | 230.9 | | | $ | 63.3 | | | | | | | | | |
保证金/保单收入 | 32 | % | | 33 | % | | 34 | % | | 34 | % | | 33 | % | | 35 | % | | | | | | | | |
医疗保险补助金 | | | | | | | | | | | | | | | | | | | |
保单收入 | $ | 166.8 | | | $ | 165.1 | | | $ | 163.6 | | | $ | 162.3 | | | $ | 657.8 | | | $ | 156.5 | | | | | | | | | |
净投资收益 (5) | 1.3 | | | 1.4 | | | 1.4 | | | 1.3 | | | 5.4 | | | 1.3 | | | | | | | | | |
保险单福利 | (120.5) | | | (114.1) | | | (113.9) | | | (113.4) | | | (461.9) | | | (120.5) | | | | | | | | | |
摊销和非递延佣金 | (13.0) | | | (12.6) | | | (12.4) | | | (12.3) | | | (50.3) | | | (11.2) | | | | | | | | | |
医疗保险补助金的利润 | $ | 34.6 | | | $ | 39.8 | | | $ | 38.7 | | | $ | 37.9 | | | $ | 151.0 | | | $ | 26.1 | | | | | | | | | |
保证金/保单收入 | 21 | % | | 24 | % | | 24 | % | | 23 | % | | 23 | % | | 17 | % | | | | | | | | |
长期护理 | | | | | | | | | | | | | | | | | | | |
保单收入 | $ | 66.4 | | | $ | 66.4 | | | $ | 66.4 | | | $ | 66.0 | | | $ | 265.2 | | | $ | 65.9 | | | | | | | | | |
净投资收益 (5) | 34.6 | | | 34.0 | | | 34.2 | | | 34.2 | | | 137.0 | | | 34.1 | | | | | | | | | |
保险单福利 | (73.3) | | | (67.7) | | | (71.1) | | | (54.7) | | | (266.8) | | | (69.4) | | | | | | | | | |
摊销和非递延佣金 | (3.1) | | | (3.1) | | | (3.4) | | | (3.3) | | | (12.9) | | | (3.5) | | | | | | | | | |
长期护理的利润 | $ | 24.6 | | | $ | 29.6 | | | $ | 26.1 | | | $ | 42.2 | | | $ | 122.5 | | | $ | 27.1 | | | | | | | | | |
保证金/保单收入 | 37 | % | | 45 | % | | 39 | % | | 64 | % | | 46 | % | | 41 | % | | | | | | | | |
总健康边距 | $ | 115.3 | | | $ | 125.4 | | | $ | 123.3 | | | $ | 140.4 | | | $ | 504.4 | | | $ | 116.5 | | | | | | | | | |
保证金/保单收入 | 28 | % | | 31 | % | | 31 | % | | 35 | % | | 31 | % | | 29 | % | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
人寿产品利润
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
寿命边距 (4): | | | | | | | | | | | | | | | | | | | |
兴趣敏感型生活 | | | | | | | | | | | | | | | | | | | |
保单收入 | $ | 43.1 | | | $ | 43.8 | | | $ | 43.5 | | | $ | 44.2 | | | $ | 174.6 | | | $ | 44.5 | | | | | | | | | |
净投资收益 (5) (7) | 13.0 | | | 12.8 | | | 12.9 | | | 12.9 | | | 51.6 | | | 13.1 | | | | | | | | | |
保险单福利 | (21.2) | | | (15.8) | | | (20.5) | | | (17.7) | | | (75.2) | | | (18.2) | | | | | | | | | |
贷记利息 (7) | (11.9) | | | (11.5) | | | (12.4) | | | (12.5) | | | (48.3) | | | (12.0) | | | | | | | | | |
摊销和非递延佣金 | (5.7) | | | (5.9) | | | (5.9) | | | (5.7) | | | (23.2) | | | (4.6) | | | | | | | | | |
利息敏感型人寿的利润 | $ | 17.3 | | | $ | 23.4 | | | $ | 17.6 | | | $ | 21.2 | | | $ | 79.5 | | | $ | 22.8 | | | | | | | | | |
平均净保险负债 (11) | $ | 1,009.4 | | | $ | 1,016.4 | | | $ | 1,019.2 | | | $ | 1,026.9 | | | $ | 1,018.0 | | | $ | 1,032.0 | | | | | | | | | |
利息差率 | $ | 1.1 | | | $ | 1.3 | | | $ | 0.5 | | | $ | 0.4 | | | $ | 3.3 | | | $ | 1.1 | | | | | | | | | |
利息率/平均净保险负债 (12) | 0.44 | % | | 0.51 | % | | 0.20 | % | | 0.16 | % | | 0.32 | % | | 0.43 | % | | | | | | | | |
承保保证金 | $ | 16.2 | | | $ | 22.1 | | | $ | 17.1 | | | $ | 20.8 | | | $ | 76.2 | | | $ | 21.7 | | | | | | | | | |
承保保证金/保单收入 | 38 | % | | 50 | % | | 39 | % | | 47 | % | | 44 | % | | 49 | % | | | | | | | | |
传统生活 | | | | | | | | | | | | | | | | | | | |
保单收入 | $ | 170.2 | | | $ | 172.5 | | | $ | 169.9 | | | $ | 172.2 | | | $ | 684.8 | | | $ | 174.5 | | | | | | | | | |
净投资收益 (5) | 22.5 | | | 22.4 | | | 22.5 | | | 22.9 | | | 90.3 | | | 23.2 | | | | | | | | | |
保险单福利 | (131.9) | | | (111.9) | | | (118.2) | | | (138.1) | | | (500.1) | | | (129.0) | | | | | | | | | |
利息贷记 | (0.1) | | | (0.2) | | | (0.2) | | | (0.2) | | | (0.7) | | | (0.1) | | | | | | | | | |
摊销和非递延佣金 | (12.7) | | | (13.4) | | | (13.8) | | | (14.4) | | | (54.3) | | | (15.3) | | | | | | | | | |
广告费用 | (29.3) | | | (22.6) | | | (22.1) | | | (20.3) | | | (94.3) | | | (28.7) | | | | | | | | | |
与传统生活相比的差距 | $ | 18.7 | | | $ | 46.8 | | | $ | 38.1 | | | $ | 22.1 | | | $ | 125.7 | | | $ | 24.6 | | | | | | | | | |
保证金/保单收入 | 11 | % | | 27 | % | | 22 | % | | 13 | % | | 18 | % | | 14 | % | | | | | | | | |
利润率不包括广告费用/保险单收入 | 28 | % | | 40 | % | | 35 | % | | 25 | % | | 32 | % | | 31 | % | | | | | | | | |
人寿总利润 | $ | 36.0 | | | $ | 70.2 | | | $ | 55.7 | | | $ | 43.3 | | | $ | 205.2 | | | $ | 47.4 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
从年金和利息敏感型人寿产品中收取的保费
和保险单收入
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
从年金和利息敏感型人寿产品中收取的保费: | | | | | | | | | | | | | | | | | | | |
年金 | $ | 368.6 | | | $ | 435.0 | | | $ | 370.0 | | | $ | 431.0 | | | $ | 1,604.6 | | | $ | 370.9 | | | | | | | | | |
利益敏感型生活 | 56.6 | | | 56.6 | | | 56.6 | | | 58.1 | | | 227.9 | | | 58.2 | | | | | | | | | |
从年金和利息敏感型人寿产品中收取的保费总额 | $ | 425.2 | | | $ | 491.6 | | | $ | 426.6 | | | $ | 489.1 | | | $ | 1,832.5 | | | $ | 429.1 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
保单收入: | | | | | | | | | | | | | | | | | | | |
年金产品 | | | | | | | | | | | | | | | | | | | |
固定指数年金 | $ | 3.0 | | | $ | 3.7 | | | $ | 3.6 | | | $ | 4.2 | | | $ | 14.5 | | | $ | 3.6 | | | | | | | | | |
固定利率年金 | 0.1 | | | 0.3 | | | 0.2 | | | 0.2 | | | 0.8 | | | 0.3 | | | | | | | | | |
其他年金 | 1.9 | | | 1.8 | | | 2.5 | | | 1.6 | | | 7.8 | | | 1.2 | | | | | | | | | |
年金保险保单总收入 | 5.0 | | | 5.8 | | | 6.3 | | | 6.0 | | | 23.1 | | | 5.1 | | | | | | | | | |
健康产品 | | | | | | | | | | | | | | | | | | | |
补充健康 | 173.5 | | | 172.0 | | | 173.5 | | | 175.3 | | | 694.3 | | | 179.0 | | | | | | | | | |
医疗保险补助金 | 166.8 | | | 165.1 | | | 163.6 | | | 162.3 | | | 657.8 | | | 156.5 | | | | | | | | | |
长期护理 | 66.4 | | | 66.4 | | | 66.4 | | | 66.0 | | | 265.2 | | | 65.9 | | | | | | | | | |
健康保险单总收入 | 406.7 | | | 403.5 | | | 403.5 | | | 403.6 | | | 1,617.3 | | | 401.4 | | | | | | | | | |
生活用品 | | | | | | | | | | | | | | | | | | | |
利益敏感型生活 | 43.1 | | | 43.8 | | | 43.5 | | | 44.1 | | | 174.5 | | | 44.5 | | | | | | | | | |
传统生活 | 170.2 | | | 172.5 | | | 169.9 | | | 172.3 | | | 684.9 | | | 174.5 | | | | | | | | | |
人寿保险保单总收入 | 213.3 | | | 216.3 | | | 213.4 | | | 216.4 | | | 859.4 | | | 219.0 | | | | | | | | | |
保单总收入 | $ | 625.0 | | | $ | 625.6 | | | $ | 623.2 | | | $ | 626.0 | | | $ | 2,499.8 | | | $ | 625.5 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
健康与生命
新的年化保费(“NAP”)
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
消费者部 | | | | | | | | | | | | | | | | | | | |
健康产品: | | | | | | | | | | | | | | | | | | | |
补充健康 | $ | 15.5 | | | $ | 16.7 | | | $ | 19.3 | | | $ | 24.6 | | | $ | 76.1 | | | $ | 17.4 | | | | | | | | | |
医疗保险补助金 | 6.5 | | | 6.9 | | | 8.0 | | | 10.4 | | | 31.8 | | | 7.8 | | | | | | | | | |
长期护理 | 6.8 | | | 6.1 | | | 6.0 | | | 6.2 | | | 25.1 | | | 6.2 | | | | | | | | | |
消费者部健康总量 NAP | 28.8 | | | 29.7 | | | 33.3 | | | 41.2 | | | 133.0 | | | 31.4 | | | | | | | | | |
生活用品: | | | | | | | | | | | | | | | | | | | |
兴趣敏感型生活 | 5.1 | | | 4.8 | | | 4.6 | | | 4.4 | | | 18.9 | | | 4.6 | | | | | | | | | |
传统生活 | 48.2 | | | 44.3 | | | 38.2 | | | 33.2 | | | 163.9 | | | 49.7 | | | | | | | | | |
消费者部总寿命 NAP | 53.3 | | | 49.1 | | | 42.8 | | | 37.6 | | | 182.8 | | | 54.3 | | | | | | | | | |
消费者部健康与生活 NAP | $ | 82.1 | | | $ | 78.8 | | | $ | 76.1 | | | $ | 78.8 | | | $ | 315.8 | | | $ | 85.7 | | | | | | | | | |
工地部 | | | | | | | | | | | | | | | | | | | |
健康产品: | | | | | | | | | | | | | | | | | | | |
补充健康 | $ | 6.0 | | | $ | 7.7 | | | $ | 8.9 | | | $ | 8.7 | | | $ | 31.3 | | | $ | 8.1 | | | | | | | | | |
生活用品: | | | | | | | | | | | | | | | | | | | |
兴趣敏感型生活 | 2.5 | | | 2.3 | | | 2.3 | | | 3.2 | | | 10.3 | | | 2.8 | | | | | | | | | |
工作场所司总体健康和生活 NAP | $ | 8.5 | | | $ | 10.0 | | | $ | 11.2 | | | $ | 11.9 | | | $ | 41.6 | | | $ | 10.9 | | | | | | | | | |
国家行动方案总数(两个分部) | | | | | | | | | | | | | | | | | | | |
健康产品: | | | | | | | | | | | | | | | | | | | |
补充健康 | $ | 21.5 | | | $ | 24.4 | | | $ | 28.2 | | | $ | 33.3 | | | $ | 107.4 | | | $ | 25.5 | | | | | | | | | |
医疗保险补助金 | 6.5 | | | 6.9 | | | 8.0 | | | 10.4 | | | 31.8 | | | 7.8 | | | | | | | | | |
长期护理 | 6.8 | | | 6.1 | | | 6.0 | | | 6.2 | | | 25.1 | | | 6.2 | | | | | | | | | |
全面健康 NAP | 34.8 | | | 37.4 | | | 42.2 | | | 49.9 | | | 164.3 | | | 39.5 | | | | | | | | | |
生活用品: | | | | | | | | | | | | | | | | | | | |
兴趣敏感型生活 | 7.6 | | | 7.1 | | | 6.9 | | | 7.6 | | | 29.2 | | | 7.4 | | | | | | | | | |
传统生活 | 48.2 | | | 44.3 | | | 38.2 | | | 33.2 | | | 163.9 | | | 49.7 | | | | | | | | | |
Total life | 55.8 | | | 51.4 | | | 45.1 | | | 40.8 | | | 193.1 | | | 57.1 | | | | | | | | | |
NAP 总数 | $ | 90.6 | | | $ | 88.8 | | | $ | 87.3 | | | $ | 90.7 | | | $ | 357.4 | | | $ | 96.6 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
加权平均已发行股票的计算
(千股)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 (a) | | | | | | | | |
基本 | | | | | | | | | | | | | | | | | | | |
已发行股份,期初 | 120,377.2 | | | 117,241.0 | | | 114,795.3 | | | 114,367.3 | | | 120,377.2 | | | 114,343.1 | | | | | | | | | |
该期间的加权平均股票活动: | | | | | | | | | | | | | | | | | | | |
回购的股票 | (2,098.0) | | | (1,774.6) | | | (467.6) | | | (145.1) | | | (5,579.4) | | | (255.7) | | | | | | | | | |
与员工福利计划相关的金额 | 488.5 | | | 76.9 | | | 26.6 | | | 200.8 | | | 1,273.6 | | | 671.8 | | | | | | | | | |
为支付行使价和与员工福利计划相关的税款而扣留的股份 | (145.5) | | | (10.2) | | | (0.6) | | | (0.9) | | | (338.6) | | | (214.3) | | | | | | | | | |
该期间流通的加权平均基本股数 | 118,622.2 | | | 115,533.1 | | | 114,353.7 | | | 114,422.1 | | | 115,732.8 | | | 114,544.9 | | | | | | | | | |
已发行基本股数,期末 | 117,241.0 | | | 114,795.3 | | | 114,367.3 | | | 114,343.1 | | | 114,343.1 | | | 114,905.2 | | | | | | | | | |
稀释 | | | | | | | | | | | | | | | | | | | |
已发行基本股的加权平均值 | 118,622.2 | | | 115,533.1 | | | 114,353.7 | | | 114,422.1 | | | 115,732.8 | | | 114,544.9 | | | | | | | | | |
与以下相关的普通股等价股: | | | | | | | | | | | | | | | | | | | |
员工福利计划 | 2,379.9 | | | 1,752.5 | | | 1,574.8 | | | 2,231.1 | | | 1,984.5 | | | — | | | | | | | | | |
该期间已发行摊薄后的加权平均股数 | 121,002.1 | | | 117,285.6 | | | 115,928.5 | | | 116,653.2 | | | 117,717.3 | | | 114,544.9 | | | | | | | | | |
摊薄后已发行股份,期末 | 119,502.6 | | | 116,203.1 | | | 115,970.6 | | | 116,842.1 | | | 116,842.1 | | | 116,176.0 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
___________
(a) 由于23年第一季度确认的净亏损,2,182.5股等值普通股未包含在加权平均已发行股票中。
CNO 金融集团有限公司
法定信息-合并依据 (13)
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 (a) | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
扣除利息支出和联邦所得税前的运营净收益 | $ | 26.7 | | | $ | 87.7 | | | $ | 78.4 | | | $ | 75.0 | | | $ | 267.8 | | | $ | 58.3 | | | | | | | | | |
母公司持有的剩余债券的利息支出 | 12.0 | | | 12.2 | | | 20.1 | | | 14.6 | | | 58.9 | | | 15.9 | | | | | | | | | |
联邦所得税前运营净收益 | 14.7 | | | 75.5 | | | 58.3 | | | 60.4 | | | 208.9 | | | 42.4 | | | | | | | | | |
联邦所得税支出(福利) | (15.8) | | | (17.6) | | | (7.0) | | | (14.6) | | | (55.0) | | | 3.3 | | | | | | | | | |
扣除已实现净资本收益(亏损)之前的运营净收益 | 30.5 | | | 93.1 | | | 65.3 | | | 75.0 | | | 263.9 | | | 39.1 | | | | | | | | | |
已实现的净资本收益(亏损) | — | | | (11.2) | | | (0.6) | | | (14.1) | | | (25.9) | | | (1.3) | | | | | | | | | |
净收入 | $ | 30.5 | | | $ | 81.9 | | | $ | 64.7 | | | $ | 60.9 | | | $ | 238.0 | | | $ | 37.8 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
资本和盈余 | $ | 1,738.0 | | | $ | 1,796.9 | | | $ | 1,847.0 | | | $ | 1,849.8 | | | $ | 1,849.8 | | | $ | 1,831.3 | | | | | | | | | |
资产估值准备金 (AVR) | 319.5 | | | 306.7 | | | 304.7 | | | 305.8 | | | 305.8 | | | 317.8 | | | | | | | | | |
资本、盈余和AVR | 2,057.5 | | | 2,103.6 | | | 2,151.7 | | | 2,155.6 | | | 2,155.6 | | | 2,149.1 | | | | | | | | | |
维持利息准备金(IMR) | 422.4 | | | 421.3 | | | 413.0 | | | 395.7 | | | 395.7 | | | 385.6 | | | | | | | | | |
法定资本、盈余、AVR 和 IMR 总额 | $ | 2,479.9 | | | $ | 2,524.9 | | | $ | 2,564.7 | | | $ | 2,551.3 | | | $ | 2,551.3 | | | $ | 2,534.7 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
基于风险的资本比率 | 365 | % | | 360 | % | | 375 | % | | 384 | % | | 384 | % | | 380 | % | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
___________
(a) 这些金额是初步数额,因为我们的保险子公司23年第一季度的法定基础财务报表将根据这些数额做出
在 2023 年 5 月 15 日左右向相应的保险监管机构提交。
CNO 金融集团有限公司
未分配给产品线的投资收益 (9)
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| | 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
净投资收益 | | $ | 208.2 | | | $ | 223.9 | | | $ | 268.1 | | | $ | 315.7 | | | $ | 1,015.9 | | | $ | 343.0 | | | | | | | | | |
分配给产品线: | | | | | | | | | | | | | | | | | | | | |
年金 | | (117.5) | | | (117.8) | | | (121.1) | | | (123.6) | | | (480.0) | | | (125.4) | | | | | | | | | |
健康 | | (73.3) | | | (73.0) | | | (73.3) | | | (73.7) | | | (293.3) | | | (74.0) | | | | | | | | | |
生活 | | (35.5) | | | (35.2) | | | (35.4) | | | (35.8) | | | (141.9) | | | (36.3) | | | | | | | | | |
净值回报记入保单持有人账户余额 | | 71.9 | | | 92.4 | | | 34.9 | | | 6.1 | | | 205.3 | | | (18.6) | | | | | | | | | |
分配到产品系列并记入保单持有人账户余额的金额 | | (154.4) | | | (133.6) | | | (194.9) | | | (227.0) | | | (709.9) | | | (254.3) | | | | | | | | | |
与固定指数年金交出相关的年度期权没收的影响 | | 1.6 | | | (0.5) | | | (1.1) | | | (1.0) | | | (1.0) | | | — | | | | | | | | | |
与可变利息实体和其他非经营项目相关的金额 | | (7.2) | | | (9.1) | | | (13.6) | | | (18.6) | | | (48.5) | | | (20.9) | | | | | | | | | |
债务利息支出 | | (15.7) | | | (15.6) | | | (15.6) | | | (15.6) | | | (62.5) | | | (15.7) | | | | | | | | | |
联邦住房贷款银行(“FHLB”)计划投资借款的利息支出 | | (2.4) | | | (4.7) | | | (10.3) | | | (16.1) | | | (33.5) | | | (21.7) | | | | | | | | | |
与融资协议支持的票据(“FABN”)计划相关的费用 (a) | | (7.3) | | | (7.6) | | | (7.5) | | | (7.6) | | | (30.0) | | | (7.6) | | | | | | | | | |
减去记入递延补偿计划的金额(抵消投资收入) | | 4.2 | | | 11.8 | | | 2.0 | | | (4.6) | | | 13.4 | | | (7.3) | | | | | | | | | |
调整总额 | | (26.8) | | | (25.7) | | | (46.1) | | | (63.5) | | | (162.1) | | | (73.2) | | | | | | | | | |
投资收入未分配给产品线 | | $ | 27.0 | | | $ | 64.6 | | | $ | 27.1 | | | $ | 25.2 | | | $ | 143.9 | | | $ | 15.5 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
___________
(a) 包括贷记利息和递延收购成本的摊销。
CNO 金融集团有限公司
未分配给产品线的投资收益 (9)
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| | 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
未分配的投资收益: | | | | | | | | | | | | | | | | | | | | |
不包括可变组件: | | | | | | | | | | | | | | | | | | | | |
来自普通账户资产 | | $ | 22.3 | | | $ | 27.1 | | | $ | 27.4 | | | $ | 30.7 | | | $ | 107.5 | | | $ | 24.9 | | | | | | | | | |
其他投资收益 | | 0.1 | | | 0.3 | | | 1.1 | | | 1.7 | | | 3.2 | | | 1.9 | | | | | | | | | |
点差收入: | | | | | | | | | | | | | | | | | | | | |
FHLB 项目: | | | | | | | | | | | | | | | | | | | | |
匹配资产的投资收益 | | 11.7 | | | 19.3 | | | 24.5 | | | 28.0 | | | 83.5 | | | 31.8 | | | | | | | | | |
利息支出 | | (2.4) | | | (4.7) | | | (10.3) | | | (16.1) | | | (33.5) | | | (21.7) | | | | | | | | | |
FHLB 计划的净利差收入 | | 9.3 | | | 14.6 | | | 14.2 | | | 11.9 | | | 50.0 | | | 10.1 | | | | | | | | | |
FABN 节目: | | | | | | | | | | | | | | | | | | | | |
匹配资产的投资收益 | | 10.1 | | | 13.2 | | | 13.2 | | | 13.6 | | | 50.1 | | | 13.8 | | | | | | | | | |
费用 (b) | | (7.3) | | | (7.6) | | | (7.5) | | | (7.6) | | | (30.0) | | | (7.6) | | | | | | | | | |
FABN 计划的净利差收入 | | 2.8 | | | 5.6 | | | 5.7 | | | 6.0 | | | 20.1 | | | 6.2 | | | | | | | | | |
公司债务的利息支出 | | (15.7) | | | (15.6) | | | (15.6) | | | (15.6) | | | (62.5) | | | (15.7) | | | | | | | | | |
不包括可变成分的总数 | | 18.8 | | | 32.0 | | | 32.8 | | | 34.7 | | | 118.3 | | | 27.4 | | | | | | | | | |
可变组件: | | | | | | | | | | | | | | | | | | | | |
企业自有人寿保险(“COLI”)支持代理人递延补偿计划的净收入: | | | | | | | | | | | | | | | | | | | | |
COLI 投资价值的变化 | | (3.4) | | | (2.3) | | | (0.2) | | | 1.5 | | | (4.4) | | | 2.2 | | | | | | | | | |
代理人递延补偿计划的负债增加 | | (1.5) | | | (1.5) | | | (1.5) | | | (1.6) | | | (6.1) | | | (1.6) | | | | | | | | | |
大肠杆菌净收入(亏损) | | (4.9) | | | (3.8) | | | (1.7) | | | (0.1) | | | (10.5) | | | 0.6 | | | | | | | | | |
其他可变组件: | | | | | | | | | | | | | | | | | | | | |
另类投资收益(亏损): | | | | | | | | | | | | | | | | | | | | |
总计 | | 11.3 | | | 27.1 | | | (2.5) | | | (5.2) | | | 30.7 | | | (9.4) | | | | | | | | | |
分配给产品线 | | (7.4) | | | (7.4) | | | (7.6) | | | (7.9) | | | (30.3) | | | (7.8) | | | | | | | | | |
超额另类投资收益(亏损) | | 3.9 | | | 19.7 | | | (10.1) | | | (13.1) | | | 0.4 | | | (17.2) | | | | | | | | | |
预付款和通话收入 | | 5.2 | | | 14.9 | | | 3.7 | | | 1.6 | | | 25.4 | | | 0.1 | | | | | | | | | |
交易账户 | | 2.7 | | | 1.5 | | | 1.8 | | | 1.7 | | | 7.7 | | | 2.6 | | | | | | | | | |
与固定指数产品相关的对冲差异 | | (1.0) | | | (0.4) | | | 0.2 | | | (0.1) | | | (1.3) | | | — | | | | | | | | | |
与固定指数年金交出相关的年度期权没收的影响 | | 1.6 | | | (0.5) | | | (1.1) | | | (1.0) | | | (1.0) | | | — | | | | | | | | | |
其他 (a) | | 0.7 | | | 1.2 | | | 1.5 | | | 1.5 | | | 4.9 | | | 2.0 | | | | | | | | | |
可变组件总数 | | 8.2 | | | 32.6 | | | (5.7) | | | (9.5) | | | 25.6 | | | (11.9) | | | | | | | | | |
未分配给产品线的总投资收入 | | $ | 27.0 | | | $ | 64.6 | | | $ | 27.1 | | | $ | 25.2 | | | $ | 143.9 | | | $ | 15.5 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
___________
(a) 包括预计现金流量和其他投资收入变动的影响。
(b) 包括贷记利息和递延购置成本的摊销。
CNO 金融集团有限公司
分配给产品线的投资收益 (5)
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| | 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
平均净保险负债 (11) | | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | | |
固定指数年金 | | $ | 8,486.3 | | | $ | 8,711.0 | | | $ | 8,902.9 | | | $ | 9,054.2 | | | $ | 8,788.6 | | | $ | 9,183.8 | | | | | | | | | |
固定利率年金 | | 1,761.2 | | | 1,712.5 | | | 1,675.9 | | | 1,652.6 | | | 1,700.5 | | | 1,630.9 | | | | | | | | | |
其他年金 | | 490.2 | | | 484.2 | | | 478.8 | | | 473.6 | | | 481.7 | | | 469.5 | | | | | | | | | |
年金平均净保险负债总额 (11) | | 10,737.7 | | | 10,907.7 | | | 11,057.6 | | | 11,180.4 | | | 10,970.8 | | | 11,284.2 | | | | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | | |
补充健康 | | 3,215.6 | | | 3,250.7 | | | 3,278.3 | | | 3,308.8 | | | 3,263.3 | | | 3,331.0 | | | | | | | | | |
医疗保险补助金 | | 129.5 | | | 140.3 | | | 135.1 | | | 121.9 | | | 131.7 | | | 124.2 | | | | | | | | | |
长期护理 | | 2,639.2 | | | 2,650.1 | | | 2,658.0 | | | 2,659.4 | | | 2,651.7 | | | 2,659.8 | | | | | | | | | |
健康平均净保险负债总额 (11) | | 5,984.3 | | | 6,041.1 | | | 6,071.4 | | | 6,090.1 | | | 6,046.7 | | | 6,115.0 | | | | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | | |
对利息敏感 | | 1,009.4 | | | 1,016.4 | | | 1,019.2 | | | 1,026.9 | | | 1,018.0 | | | 1,032.0 | | | | | | | | | |
传统 | | 1,957.1 | | | 1,951.0 | | | 1,943.7 | | | 1,956.1 | | | 1,952.0 | | | 1,973.0 | | | | | | | | | |
人寿平均净保险负债总额 (11) | | 2,966.5 | | | 2,967.4 | | | 2,962.9 | | | 2,983.0 | | | 2,970.0 | | | 3,005.0 | | | | | | | | | |
平均净保险负债总额 (11) | | $ | 19,688.5 | | | $ | 19,916.2 | | | $ | 20,091.9 | | | $ | 20,253.5 | | | $ | 19,987.5 | | | $ | 20,404.2 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
分配投资的平均收益率 | | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | | |
固定指数年金 | | 4.25 | % | | 4.20 | % | | 4.27 | % | | 4.30 | % | | 4.25 | % | | 4.30 | % | | | | | | | | |
固定利率年金 | | 4.88 | % | | 4.81 | % | | 4.85 | % | | 4.99 | % | | 4.88 | % | | 5.13 | % | | | | | | | | |
其他年金 | | 4.81 | % | | 4.79 | % | | 4.85 | % | | 4.81 | % | | 4.82 | % | | 4.86 | % | | | | | | | | |
分配给年金的投资的平均收益率 | | 4.38 | % | | 4.32 | % | | 4.38 | % | | 4.42 | % | | 4.38 | % | | 4.45 | % | | | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | | |
补充健康 | | 4.65 | % | | 4.63 | % | | 4.60 | % | | 4.62 | % | | 4.62 | % | | 4.64 | % | | | | | | | | |
医疗保险补助金 | | 4.11 | % | | 4.01 | % | | 4.01 | % | | 4.06 | % | | 4.05 | % | | 4.11 | % | | | | | | | | |
长期护理 | | 5.24 | % | | 5.13 | % | | 5.15 | % | | 5.14 | % | | 5.17 | % | | 5.13 | % | | | | | | | | |
分配给健康产品的投资的平均收益率 | | 4.90 | % | | 4.83 | % | | 4.83 | % | | 4.84 | % | | 4.85 | % | | 4.84 | % | | | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | | |
对利息敏感 | | 5.15 | % | | 5.04 | % | | 5.06 | % | | 5.02 | % | | 5.07 | % | | 5.08 | % | | | | | | | | |
传统 | | 4.60 | % | | 4.59 | % | | 4.63 | % | | 4.68 | % | | 4.63 | % | | 4.70 | % | | | | | | | | |
分配给人寿产品的投资的平均收益率 | | 4.79 | % | | 4.74 | % | | 4.78 | % | | 4.80 | % | | 4.78 | % | | 4.83 | % | | | | | | | | |
总平均收益率 | | 4.60 | % | | 4.54 | % | | 4.57 | % | | 4.60 | % | | 4.58 | % | | 4.62 | % | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
分配的投资收益 | | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | | |
固定指数年金 | | $ | 90.1 | | | $ | 91.4 | | | $ | 95.0 | | | $ | 97.3 | | | $ | 373.8 | | | $ | 98.8 | | | | | | | | | |
固定利率年金 | | 21.5 | | | 20.6 | | | 20.3 | | | 20.6 | | | 83.0 | | | 20.9 | | | | | | | | | |
其他年金 | | 5.9 | | | 5.8 | | | 5.8 | | | 5.7 | | | 23.2 | | | 5.7 | | | | | | | | | |
分配给年金的投资收入总额 | | 117.5 | | | 117.8 | | | 121.1 | | | 123.6 | | | 480.0 | | | 125.4 | | | | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | | |
补充健康 | | 37.4 | | | 37.6 | | | 37.7 | | | 38.2 | | | 150.9 | | | 38.6 | | | | | | | | | |
医疗保险补助金 | | 1.3 | | | 1.4 | | | 1.4 | | | 1.3 | | | 5.4 | | | 1.3 | | | | | | | | | |
长期护理 | | 34.6 | | | 34.0 | | | 34.2 | | | 34.2 | | | 137.0 | | | 34.1 | | | | | | | | | |
分配给健康产品的投资收入总额 | | 73.3 | | | 73.0 | | | 73.3 | | | 73.7 | | | 293.3 | | | 74.0 | | | | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | | |
对利息敏感 | | 13.0 | | | 12.8 | | | 12.9 | | | 12.9 | | | 51.6 | | | 13.1 | | | | | | | | | |
传统 | | 22.5 | | | 22.4 | | | 22.5 | | | 22.9 | | | 90.3 | | | 23.2 | | | | | | | | | |
分配给人寿产品的总投资收益 | | 35.5 | | | 35.2 | | | 35.4 | | | 35.8 | | | 141.9 | | | 36.3 | | | | | | | | | |
分配的投资收入总额 | | $ | 226.3 | | | $ | 226.0 | | | $ | 229.8 | | | $ | 233.1 | | | $ | 915.2 | | | $ | 235.7 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
未分配给产品线的投资收益 (9)
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| | 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
普通账户资产投资收益 | | $ | 277.5 | | | $ | 317.7 | | | $ | 289.0 | | | $ | 294.8 | | | $ | 1,179.0 | | | $ | 292.2 | | | | | | | | | |
保单持有人和其他特殊用途投资组合投资收益(亏损) | | (69.3) | | | (93.8) | | | (20.9) | | | 20.9 | | | (163.1) | | | 50.8 | | | | | | | | | |
减去记入保单持有人的股本回报: | | | | | | | | | | | | | | | | | | | | |
年金 | | 64.3 | | | 80.1 | | | 30.9 | | | 6.0 | | | 181.3 | | | (16.5) | | | | | | | | | |
生活 | | 7.6 | | | 12.3 | | | 4.0 | | | 0.1 | | | 24.0 | | | (2.1) | | | | | | | | | |
减少与可变利息实体相关的金额 | | (7.2) | | | (9.1) | | | (13.6) | | | (18.6) | | | (48.5) | | | (20.9) | | | | | | | | | |
减去记入递延补偿计划的金额 | | 4.2 | | | 11.8 | | | 2.0 | | | (4.6) | | | 13.4 | | | (7.3) | | | | | | | | | |
其他特殊用途投资组合投资收益(亏损) | | (0.4) | | | 1.3 | | | 2.4 | | | 3.8 | | | 7.1 | | | 4.0 | | | | | | | | | |
调整后的净投资收益 | | 277.1 | | | 319.0 | | | 291.4 | | | 298.6 | | | 1,186.1 | | | 296.2 | | | | | | | | | |
减少分配给产品系列的金额 | | | | | | | | | | | | | | | | | | | | |
年金 | | (117.5) | | | (117.8) | | | (121.1) | | | (123.6) | | | (480.0) | | | (125.4) | | | | | | | | | |
健康 | | (73.3) | | | (73.0) | | | (73.3) | | | (73.7) | | | (293.3) | | | (74.0) | | | | | | | | | |
生活 | | (35.5) | | | (35.2) | | | (35.4) | | | (35.8) | | | (141.9) | | | (36.3) | | | | | | | | | |
分配给产品线的总投资收益 | | (226.3) | | | (226.0) | | | (229.8) | | | (233.1) | | | (915.2) | | | (235.7) | | | | | | | | | |
与固定指数年金交出相关的年度期权没收的影响 | | 1.6 | | | (0.5) | | | (1.1) | | | (1.0) | | | (1.0) | | | — | | | | | | | | | |
减少FHLB计划投资借款的利息支出 | | (2.4) | | | (4.7) | | | (10.3) | | | (16.1) | | | (33.5) | | | (21.7) | | | | | | | | | |
减去与 FABN 计划相关的费用 | | (7.3) | | | (7.6) | | | (7.5) | | | (7.6) | | | (30.0) | | | (7.6) | | | | | | | | | |
减少债务利息支出 | | (15.7) | | | (15.6) | | | (15.6) | | | (15.6) | | | (62.5) | | | (15.7) | | | | | | | | | |
投资收入未分配给产品线 | | $ | 27.0 | | | $ | 64.6 | | | $ | 27.1 | | | $ | 25.2 | | | $ | 143.9 | | | $ | 15.5 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
其他投资数据
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | | | | | |
| | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | |
投资资产和现金的平均账面价值 | | $ | 25,791.7 | | | $ | 25,954.0 | | | $ | 26,251.0 | | | $ | 26,484.1 | | | $ | 26,801.8 | | | | | | | |
普通账户投资的净投资收益 | | 277.5 | | | 317.7 | | | 289.0 | | | 294.8 | | | 292.2 | | | | | | | |
新货币利率 (14) | | 3.73 | % | | 5.53 | % | | 5.36 | % | | 5.96 | % | | 6.34 | % | | | | | | |
账面收益率 | | 4.53 | % | | 4.52 | % | | 4.54 | % | | 4.55 | % | | 4.56 | % | | | | | | |
赚取的收益 | | 4.50 | % | | 5.00 | % | | 4.35 | % | | 4.35 | % | | 4.22 | % | | | | | | |
预付款/通话/全额收入 | | $ | 5.2 | | | $ | 14.9 | | | $ | 3.7 | | | $ | 1.6 | | | $ | 0.1 | | | | | | | |
另类投资收益(亏损) | | 11.3 | | | 27.1 | | | (2.5) | | | (5.2) | | | (9.4) | | | | | | | |
| | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
2022 年第 4 季度重要项目
(以百万美元计,每股金额除外)
(未经审计)
下表总结了重要项目对我们 2022 年第 4 季度净营业收入的财务影响。管理层认为,确定这些项目的影响可以增进对我们经营业绩的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三个月已结束 |
| | 2022年12月31日 |
| | 实际结果 | | 重要物品 | | 不包括重要的 项目 |
保险产品利润率 (4) | | | | | | |
年金保证金 | | $ | 50.8 | | | $ | 3.2 | | (a) | $ | 54.0 | |
健康边距 | | 140.4 | | | (18.3) | | (a) | 122.1 | |
寿命边距 | | 43.3 | | | 14.4 | | (a) | 57.7 | |
保险产品总利润率 | | 234.5 | | | (0.7) | | | 233.8 | |
分配的费用 | | (149.1) | | | — | | | (149.1) | |
保险产品收入 (5) | | 85.4 | | | (0.7) | | | 84.7 | |
费用收入 | | 9.2 | | | — | | | 9.2 | |
未分配给产品线的投资收入 (9) | | 25.2 | | | — | | | 25.2 | |
未分配给产品系列的费用 | | (12.8) | | | — | | | (12.8) | |
税前营业收益 | | 107.0 | | | (0.7) | | | 106.3 | |
营业收入的所得税(支出)优惠 | | (24.1) | | | 0.2 | | | (23.9) | |
净营业收入 (10) | | $ | 82.9 | | | $ | (0.5) | | | $ | 82.4 | |
| | | | | | |
摊薄后每股净营业收入 | | $ | 0.71 | | | $ | — | | | $ | 0.71 | |
___________
(a) 我们对假设的年度全面精算审查所产生的调整。
CNO 金融集团有限公司
2022 年第 2 季度重要项目
(以百万美元计,每股金额除外)
(未经审计)
下表总结了重要项目对我们 2022 年第 2 季度净营业收入的财务影响。管理层认为,确定这些项目的影响可以增进对我们经营业绩的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三个月已结束 |
| | 2022年6月30日 |
| | 实际结果 | | 重要物品 | | 不包括重要的 项目 |
保险产品利润率 (4) | | | | | | |
年金保证金 | | $ | 60.1 | | | $ | — | | | $ | 60.1 | |
健康边距 | | 125.4 | | | — | | | 125.4 | |
寿命边距 | | 70.2 | | | — | | | 70.2 | |
保险产品总利润率 | | 255.7 | | | — | | | 255.7 | |
分配的费用 | | (152.2) | | | — | | | (152.2) | |
保险产品收入 (5) | | 103.5 | | | — | | | 103.5 | |
费用收入 | | 3.2 | | | — | | | 3.2 | |
未分配给产品线的投资收入 (9) | | 64.6 | | | — | | | 64.6 | |
未分配给产品系列的费用 | | 2.9 | | | (22.5) | | (a) | (19.6) | |
税前营业收益 | | 174.2 | | | (22.5) | | | 151.7 | |
营业收入的所得税(支出)优惠 | | (39.1) | | | 5.1 | | | (34.0) | |
净营业收入 (10) | | $ | 135.1 | | | $ | (17.4) | | | $ | 117.7 | |
| | | | | | |
摊薄后每股净营业收入 | | $ | 1.15 | | | $ | (0.15) | | | $ | 1.00 | |
___________
(a) 包括与再保险协议有关的2 250万美元体验退款。
CNO 金融集团有限公司
2021 年第 4 季度重要项目
(以百万美元计,每股金额除外)
(未经审计)
下表总结了重要项目对我们 2021 年第 4 季度净营业收入的财务影响。管理层认为,确定这些项目的影响可以增进对我们经营业绩的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三个月已结束 |
| | 2021年12月31日 |
| | 实际结果 | | 重要物品 | | 不包括重要的 项目 |
保险产品利润率 (4) | | | | | | |
年金保证金 | | $ | 65.6 | | | $ | 0.7 | | (a) | $ | 66.3 | |
健康边距 | | 126.2 | | | (7.1) | | (a) | 119.1 | |
寿命边距 | | 53.4 | | | 3.4 | | (a) | 56.8 | |
保险产品总利润率 | | 245.2 | | | (3.0) | | | 242.2 | |
分配的费用 | | (143.3) | | | — | | | (143.3) | |
保险产品收入 (5) | | 101.9 | | | (3.0) | | | 98.9 | |
费用收入 | | 2.9 | | | — | | | 2.9 | |
未分配给产品线的投资收入 (9) | | 44.4 | | | — | | | 44.4 | |
未分配给产品系列的费用 | | (17.4) | | | — | | | (17.4) | |
税前营业收益 | | 131.8 | | | (3.0) | | | 128.8 | |
营业收入的所得税(支出)优惠 | | (28.7) | | | 0.7 | | | (28.0) | |
净营业收入 (10) | | $ | 103.1 | | | $ | (2.3) | | | $ | 100.8 | |
| | | | | | |
摊薄后每股净营业收入 | | $ | 0.83 | | | $ | (0.02) | | | $ | 0.81 | |
___________
(a) 我们对假设的年度全面精算审查所产生的调整。
CNO 金融集团有限公司
2021 年第 3 季度重要项目
(以百万美元计,每股金额除外)
(未经审计)
下表总结了重要项目对我们 2021 年第 3 季度净营业收入的财务影响。管理层认为,确定这些项目的影响可以增进对我们经营业绩的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三个月已结束 |
| | 2021年9月30日 |
| | 实际结果 | | 重要物品 | | 不包括重要的 项目 |
保险产品利润率 (4) | | | | | | |
年金保证金 | | $ | 58.5 | | | $ | — | | | $ | 58.5 | |
健康边距 | | 122.8 | | | — | | | 122.8 | |
寿命边距 | | 60.8 | | | — | | | 60.8 | |
保险产品总利润率 | | 242.1 | | | — | | | 242.1 | |
分配的费用 | | (140.5) | | | — | | | (140.5) | |
保险产品收入 (5) | | 101.6 | | | — | | | 101.6 | |
费用收入 | | 2.6 | | | — | | | 2.6 | |
未分配给产品线的投资收入 (9) | | 51.9 | | | — | | | 51.9 | |
未分配给产品系列的费用 | | (17.3) | | | 3.0 | | (a) | (14.3) | |
税前营业收益 | | 138.8 | | | 3.0 | | | 141.8 | |
营业收入的所得税(支出)优惠 | | (30.7) | | | (0.7) | | | (31.4) | |
净营业收入 (10) | | $ | 108.1 | | | $ | 2.3 | | | $ | 110.4 | |
| | | | | | |
摊薄后每股净营业收入 | | $ | 0.84 | | | $ | 0.02 | | | $ | 0.86 | |
___________
(a) 包括来自法律和监管事项的300万美元。
CNO 金融集团有限公司
2021 年第 2 季度重要项目
(以百万美元计,每股金额除外)
(未经审计)
下表总结了重要项目对我们 2021 年第 2 季度净营业收入的财务影响。管理层认为,确定这些项目的影响可以增进对我们经营业绩的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三个月已结束 |
| | 2021年6月30日 |
| | 实际结果 | | 重要物品 | | 不包括重要的 项目 |
保险产品利润率 (4) | | | | | | |
年金保证金 | | $ | 60.0 | | | $ | — | | | $ | 60.0 | |
健康边距 | | 121.7 | | | — | | | 121.7 | |
寿命边距 | | 50.3 | | | — | | | 50.3 | |
保险产品总利润率 | | 232.0 | | | — | | | 232.0 | |
分配的费用 | | (141.6) | | | — | | | (141.6) | |
保险产品收入 (5) | | 90.4 | | | — | | | 90.4 | |
费用收入 | | 6.6 | | | — | | | 6.6 | |
未分配给产品线的投资收入 (9) | | 48.6 | | | — | | | 48.6 | |
未分配给产品系列的费用 | | (23.8) | | | 4.5 | | (a) | (19.3) | |
税前营业收益 | | 121.8 | | | 4.5 | | | 126.3 | |
营业收入的所得税(支出)优惠 | | (27.8) | | | (1.0) | | | (28.8) | |
净营业收入 (10) | | $ | 94.0 | | | $ | 3.5 | | | $ | 97.5 | |
| | | | | | |
摊薄后每股净营业收入 | | $ | 0.70 | | | $ | 0.03 | | | $ | 0.73 | |
___________
(a) 包括来自法律和监管事项的450万美元。
注意事项
(1) 不包括累积的其他综合收益(亏损)。管理层认为,这项非公认会计准则指标很有用,因为它消除了投资未实现增值(折旧)变化所产生的波动。
(2)股东权益除以已发行普通股。
(3) 摊薄后每股账面价值反映了行使未偿还股票期权并归属限制性股票和绩效单位时可能发生的摊薄。期权、限制性股票和绩效单位的摊薄是使用库存股法计算的。在这种方法下,我们假设行使期权的收益(或限制性股票和绩效单位的未确认薪酬支出)将用于以该期间最后一天的收盘价购买我们的普通股。
(4) 保险利润率是管理层衡量其年金、健康和人寿产品线业绩盈利能力的指标,包括保险单收入加上分配的投资收入减去保险单收益、贷记利息、佣金、广告支出和收购成本摊销。保险产品的收入是年金、健康和人寿产品系列的保险利润率的总和,减去分配给保险线的支出。它不包括我们的费用收入业务的收入、未分配给产品线的投资收入、未分配给产品线的净支出(主要是控股公司支出)和所得税。管理层认为,这些信息有助于更好地了解业务,并对我们的保险产品线的业绩进行更有意义的分析。保险产品收入是一项非公认会计准则指标,是净营业收入的一部分,该收入与本季度财务补编第5页的净收入进行了对账。
(5) 使用支持该业务区块的投资的账面收益率将投资收益分配给产品线,该收益适用于该区块在每个时期内的平均净保险负债。净保险负债的定义见附注 (11)。
(6) 不包括支持固定指数年金产品的标的期权的市值变化以及存入保单持有人账户负债的相应金额。在22年第一季度、22年第二季度、22年第三季度、22年第三季度、22年第四季度和23年第一季度,此类金额分别为6,430万美元、(8,010万美元)、(3,090万美元)、(600)万美元和1,650万美元。
(7) 不包括支持固定指数人寿产品的标的期权的市值变化以及存入保单持有人账户负债的相应金额。在 22 年第 1 季度、第 2 季度、22 年第 3 季度、22 年第 4 季度和 23 年第一季度,此类金额分别为 (760) 万美元、(1,230) 万美元、(400) 万美元、(100) 万美元和 210 万美元。
(8) 保险产品的收入是年金、健康和人寿产品系列的保险利润率的总和,减去分配给保险系列的支出。它不包括我们的费用收入业务的收入、未分配给产品线的投资收入、未分配给产品线的净支出(主要是控股公司支出)和所得税。管理层认为,这些信息有助于更好地了解业务,并对我们的保险产品线的业绩进行更有意义的分析。保险产品收入是一项非公认会计准则指标,是净营业收入的一部分,该收入与本季度财务补编第5页的净收入进行了对账。
(9) 未分配给产品系列的投资收入定义为净投资收入减去:(i)记入保单持有人账户余额的股本回报;(iii)分配给我们产品线的投资收益;(iii)与固定指数年金退保相关的年度期权没收的影响;(iv)应付票据和投资借款的利息支出;(v)与FABN计划相关的费用;(vi)与福利相关的某些费用由特殊用途投资收入抵消的计划。未分配给产品线的投资收入包括超过平均净保险负债的投资收益、控股公司持有的投资、我们从联邦住房贷款银行投资借款和FABN计划中获得的利差以及投资收益的可变组成部分(包括看涨和预付款收入、现金流变化导致的结构性证券回报调整、公司自有人寿保险(“COLI”)的收入和另类投资收入的变动),扣除利息支出。
(10) 管理层认为,对适用于普通股之前的净收益的分析:(i)扣除税后销售、减值和信贷损失备抵变动产生的已实现投资净收益或亏损;(ii)扣除税后收益中确认的投资的市值净变化;(iii)与我们的固定指数年金相关的嵌入式衍生负债和市场风险收益的公允价值变化;(iv)与公允价值变动相关的公允价值变动扣除税款后的代理递延补偿计划;(v) 与再保险有关的损失扣除税款后的交易;(vi)债务清偿亏损,扣除税款;(vii)递延所得税资产估值补贴的变化和其他税收项目;以及(viii)其他非营业项目,主要由税后可变利息实体的收益(“净营业收入”,一项非公认会计准则财务指标)对评估公司的财务业绩很重要,也是人寿保险行业常用的关键指标。管理层使用这种衡量标准来评估业绩,因为不包括在净营业收入中的项目可能会受到与公司基础基本面无关的事件的影响。
(11) 用于向产品线分配投资收益的净保险负债等于:(i)年金产品的保单持有人账户余额;(ii)所有其他产品的累计其他综合收益(亏损)中反映的公允价值调整前的总储备金;减去(iii)与再保险业务相关的金额;(iv)递延收购成本;(v)未来利润的现值;(vi)的价值未到期期权记入保险负债。
(12) 季度期间的利润率/平均净保险负债是通过将季度利润率按年除以平均净保险负债计算得出的。
(13) 基于监管机构为CNO Financial的保险子公司规定或允许的法定会计惯例,此前适当取消了此类子公司之间的公司间账户。此类会计惯例不同于公认会计原则。
(14) 新的货币利率适用于在此期间为支持我们的保险产品和资本而购买的投资。它不包括根据我们的联邦住房贷款银行计划通过投资借款购买的投资以及可变利率实体购买的投资的新货币利率。