展品99.2
選擇歷史記錄
財務信息
2019 - 2021
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漢諾威保險集團 |
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選擇歷史財務信息 |
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目錄 |
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Segment Descriptions.................................................................................................... |
1 |
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税前經營業績及相關指標 |
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Consolidated Eight Quarter Trending...................................................................... |
2 |
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Core Commercial...................................................................................................... |
3-4 |
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Specialty..................................................................................................................... |
5-6 |
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Personal Lines........................................................................................................... |
7-10 |
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其他信息 |
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Non-GAAP Financial Measures............................................................................... |
11 |
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Premium Related Metric Definitions........................................................................ |
12 |
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漢諾威保險集團 |
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陳述的基礎 |
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細分市場描述 |
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核心商業廣告 |
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子細分市場 |
客户和業務類型 |
主要業務範圍 |
小型商業 |
覆蓋年保費在50,000美元或以下的小企業。 產品根據需要為特定的行業細分而量身定做。 |
企業主的政策/商業多重風險 商用汽車 工傷賠償 其他(一般負債、商業保護傘、單一財產) |
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中端市場 |
覆蓋年保費從5萬美元起的中型企業,重點是5萬美元至25萬美元之間的企業。產品是為某些特定的行業領域量身定做的,包括技術、製造、人類服務、零售、房地產等。 |
商業多重危險 商用汽車 工傷賠償 其他(一般負債、商業保護傘、單一財產) |
專業 |
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子細分市場 |
客户和業務類型 |
主要業務範圍 |
專業線和執行線 |
覆蓋中小型非上市公司,包括律師、工程師、會計師和包括醫療保健在內的各種其他專業和諮詢公司;為董事、高級管理人員和員工提供保護,使其免受實際或據稱的錯誤、疏忽或不誠信以及僱傭行為的影響。 |
專業責任 管理責任 忠誠與犯罪 醫療保健公司的其他財產和負債額度 |
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特殊財產和意外傷害 |
計劃業務-覆蓋具有與類似業務集團相關的專業或風險管理需求的市場; 漢諾威特種工業(HSI)-覆蓋中小型化工、塗料、溶劑等製造商和經銷商; 超額和盈餘--不承認的一般責任和超出標準商業項目承受範圍的風險的財產保險; 特殊一般責任-承認較高危險責任風險的承保範圍 |
商業多重危險 商用汽車 工傷賠償 其他(一般負債、商業保護傘、單一財產) |
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海軍陸戰隊 |
包括內陸和海洋運輸保險,以及承保承包商的設備、建築商的風險和運輸中的貨物等財產的有形損失。還包括珠寶商的積木、藝術品和其他貴重物品。 |
內陸/海洋 通過海事代理寫成的輔助業務 |
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擔保人及其他 |
為建築和其他公司以及獨資業主提供違約或不付款索賠的保險,以及與受託或監管義務有關的商業擔保保險。 |
債券 |
個人專線 |
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子細分市場 |
客户和業務類型 |
主要業務範圍 |
個人汽車 |
包括個人因人身傷害、第三方身體傷害、被保險人車輛的財產損失以及其他車輛和其他財產的財產損失而遭受的損失的保險。 |
個人汽車 |
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房主和其他人 |
包括個人住房和個人財產損失的保險,如火災、風、冰雹、水損害(不包括洪水)、盜竊和破壞,以及第三方責任索賠。 |
房主 個人雨傘 內陸海洋(珠寶、藝術品等) 其他(火災、私人船舶、其他雜物) |
其他 |
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其他包括Opus,它為附屬公司提供投資諮詢服務,併為保險公司、退休計劃和基金會等獨立機構管理資產;控股公司資產的收益;控股公司和其他費用;以及我們的次要自願假設財產和傷亡池業務。 |
1
漢諾威保險集團 |
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GAAP承保和營業收入信息及比率 |
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已整合 |
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黃大仙 |
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黃大仙 |
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黃大仙 |
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(單位:百萬,百分比數據除外) |
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1Q2020 |
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2Q2020 |
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3Q2020 |
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4Q2020 |
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1Q2021 |
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2Q2021 |
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3Q2021 |
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4Q2021 |
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2019 |
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2020 |
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2021 |
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書面毛保費 |
$ |
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1,288.9 |
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$ |
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1,224.0 |
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$ |
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1,406.1 |
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$ |
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1,235.5 |
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$ |
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1,337.6 |
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$ |
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1,342.8 |
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$ |
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1,493.2 |
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$ |
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1,170.7 |
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$ |
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5,118.5 |
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$ |
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5,154.5 |
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$ |
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5,344.3 |
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淨保費已成交 |
$ |
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1,136.9 |
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$ |
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1,081.0 |
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$ |
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1,268.5 |
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$ |
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1,112.1 |
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$ |
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1,196.1 |
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$ |
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1,207.2 |
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$ |
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1,375.2 |
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$ |
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1,214.9 |
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$ |
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4,581.7 |
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$ |
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4,598.5 |
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$ |
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4,993.4 |
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賺取的淨保費 |
$ |
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1,141.4 |
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$ |
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1,096.6 |
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$ |
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1,135.4 |
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$ |
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1,154.0 |
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$ |
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1,161.8 |
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$ |
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1,179.8 |
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$ |
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1,186.0 |
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$ |
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1,242.6 |
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$ |
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4,474.5 |
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$ |
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4,527.4 |
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$ |
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4,770.2 |
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虧損和LAE: |
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本年度,不包括巨災損失 |
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692.3 |
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569.1 |
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645.7 |
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666.2 |
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656.2 |
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680.9 |
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711.4 |
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739.2 |
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2,696.2 |
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2,573.3 |
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2,787.7 |
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上年發展良好,不包括巨災損失 |
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(2.0 |
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(4.9 |
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(2.6 |
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(6.0 |
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(8.2 |
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(12.6 |
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(20.9 |
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(14.4 |
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(0.9 |
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(15.5 |
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(56.1 |
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當年巨災損失 |
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37.9 |
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154.8 |
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75.5 |
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35.6 |
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133.3 |
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91.8 |
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153.5 |
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39.0 |
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196.8 |
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303.8 |
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417.6 |
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上年有利的巨災發展 |
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- |
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(7.0 |
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(9.6 |
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(0.5 |
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- |
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(15.0 |
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- |
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- |
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(27.5 |
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(17.1 |
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(15.0 |
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總虧損和LAE |
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728.2 |
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712.0 |
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709.0 |
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695.3 |
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781.3 |
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745.1 |
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844.0 |
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763.8 |
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2,864.6 |
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2,844.5 |
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3,134.2 |
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攤銷遞延收購成本和其他承銷費用 |
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362.0 |
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346.3 |
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365.0 |
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374.7 |
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371.2 |
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371.7 |
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372.9 |
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394.2 |
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1,430.6 |
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1,448.0 |
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1,510.0 |
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公認會計準則承保利潤(虧損) |
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51.2 |
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38.3 |
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61.4 |
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84.0 |
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9.3 |
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63.0 |
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(30.9 |
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84.6 |
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179.3 |
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234.9 |
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126.0 |
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淨投資收益 |
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69.6 |
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57.7 |
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67.6 |
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70.2 |
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76.8 |
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75.6 |
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78.8 |
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79.5 |
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281.3 |
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265.1 |
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310.7 |
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其他收入 |
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6.7 |
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6.1 |
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8.1 |
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6.4 |
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6.0 |
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5.8 |
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6.1 |
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6.0 |
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25.5 |
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27.3 |
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23.9 |
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其他運營費用 |
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(10.4 |
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(13.2 |
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(8.7 |
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(10.3 |
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(7.0 |
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(7.1 |
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(7.0 |
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(7.2 |
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(32.5 |
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(42.6 |
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(28.3 |
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所得税前營業收入 |
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117.1 |
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$ |
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88.9 |
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$ |
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128.4 |
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$ |
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150.3 |
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$ |
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85.1 |
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$ |
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137.3 |
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$ |
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47.0 |
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$ |
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162.9 |
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$ |
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453.6 |
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$ |
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484.7 |
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$ |
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432.3 |
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損失和LAE比率: |
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
60.7 |
% |
|
|
51.8 |
% |
|
|
56.8 |
% |
|
|
57.8 |
% |
|
|
56.4 |
% |
|
|
57.8 |
% |
|
|
60.1 |
% |
|
|
59.6 |
% |
|
|
|
60.2 |
% |
|
|
56.8 |
% |
|
|
58.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年發展良好,不包括巨災損失 |
|
|
(0.2 |
)% |
|
|
(0.4 |
)% |
|
|
(0.2 |
)% |
|
|
(0.5 |
)% |
|
|
(0.7 |
)% |
|
|
(1.1 |
)% |
|
|
(1.8 |
)% |
|
|
(1.2 |
)% |
|
|
|
- |
|
|
|
(0.3 |
)% |
|
|
(1.2 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
3.3 |
% |
|
|
14.1 |
% |
|
|
6.6 |
% |
|
|
3.0 |
% |
|
|
11.5 |
% |
|
|
7.8 |
% |
|
|
12.9 |
% |
|
|
3.1 |
% |
|
|
|
4.4 |
% |
|
|
6.7 |
% |
|
|
8.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨災發展 |
|
|
- |
|
|
|
(0.6 |
)% |
|
|
(0.8 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(1.3 |
)% |
|
|
- |
|
|
|
- |
|
|
|
|
(0.6 |
)% |
|
|
(0.4 |
)% |
|
|
(0.3 |
)% |
總損耗和LAE比率 |
|
|
63.8 |
% |
|
|
64.9 |
% |
|
|
62.4 |
% |
|
|
60.3 |
% |
|
|
67.2 |
% |
|
|
63.2 |
% |
|
|
71.2 |
% |
|
|
61.5 |
% |
|
|
|
64.0 |
% |
|
|
62.8 |
% |
|
|
65.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
31.4 |
% |
|
|
31.3 |
% |
|
|
31.8 |
% |
|
|
32.1 |
% |
|
|
31.6 |
% |
|
|
31.2 |
% |
|
|
31.1 |
% |
|
|
31.4 |
% |
|
|
|
31.6 |
% |
|
|
31.6 |
% |
|
|
31.3 |
% |
綜合比率 |
|
|
95.2 |
% |
|
|
96.2 |
% |
|
|
94.2 |
% |
|
|
92.4 |
% |
|
|
98.8 |
% |
|
|
94.4 |
% |
|
|
102.3 |
% |
|
|
92.9 |
% |
|
|
|
95.6 |
% |
|
|
94.4 |
% |
|
|
97.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率,不包括巨災損失 |
|
|
91.9 |
% |
|
|
82.7 |
% |
|
|
88.4 |
% |
|
|
89.4 |
% |
|
|
87.3 |
% |
|
|
87.9 |
% |
|
|
89.4 |
% |
|
|
89.8 |
% |
|
|
|
91.8 |
% |
|
|
88.1 |
% |
|
|
88.6 |
% |
綜合比率,不包括巨災損失和上年發展 |
|
|
92.1 |
% |
|
|
83.1 |
% |
|
|
88.6 |
% |
|
|
89.9 |
% |
|
|
88.0 |
% |
|
|
89.0 |
% |
|
|
91.2 |
% |
|
|
91.0 |
% |
|
|
|
91.8 |
% |
|
|
88.4 |
% |
|
|
89.8 |
% |
2
漢諾威保險集團 |
|
|||||||||||||||||||||||||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
|
|||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
核心商業廣告 |
|
|||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黃大仙 |
|
|
黃大仙 |
|
|
黃大仙 |
|
|||
(單位:百萬,百分比數據除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
書面毛保費 |
$ |
|
517.3 |
|
$ |
|
431.4 |
|
|
$ |
|
547.4 |
|
$ |
|
453.3 |
|
$ |
|
539.9 |
|
$ |
|
473.6 |
|
$ |
|
601.1 |
|
$ |
|
484.9 |
|
|
$ |
|
1,928.5 |
|
$ |
|
1,949.4 |
|
$ |
|
2,099.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費已成交 |
$ |
|
460.6 |
|
$ |
|
378.6 |
|
|
$ |
|
486.4 |
|
$ |
|
400.6 |
|
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
|
$ |
|
1,727.0 |
|
$ |
|
1,726.2 |
|
$ |
|
1,864.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
$ |
|
431.0 |
|
$ |
|
417.4 |
|
|
$ |
|
420.1 |
|
$ |
|
435.2 |
|
$ |
|
435.2 |
|
$ |
|
447.6 |
|
$ |
|
459.7 |
|
$ |
|
468.4 |
|
|
$ |
|
1,689.9 |
|
$ |
|
1,703.7 |
|
$ |
|
1,810.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
275.8 |
|
|
|
218.5 |
|
|
|
|
250.4 |
|
|
|
254.8 |
|
|
|
250.6 |
|
|
|
258.2 |
|
|
|
281.7 |
|
|
|
271.9 |
|
|
|
|
1,001.1 |
|
|
|
999.5 |
|
|
|
1,062.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
0.1 |
|
|
|
(2.8 |
) |
|
|
|
(3.6 |
) |
|
|
(6.3 |
) |
|
|
(2.7 |
) |
|
|
(4.6 |
) |
|
|
(3.3 |
) |
|
|
(7.2 |
) |
|
|
|
(37.8 |
) |
|
|
(12.6 |
) |
|
|
(17.8 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
20.2 |
|
|
|
57.9 |
|
|
|
|
22.0 |
|
|
|
4.2 |
|
|
|
94.5 |
|
|
|
22.5 |
|
|
|
57.3 |
|
|
|
10.9 |
|
|
|
|
80.8 |
|
|
|
104.3 |
|
|
|
185.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨災發展 |
|
|
(2.9 |
) |
|
|
(4.7 |
) |
|
|
|
(7.0 |
) |
|
|
(0.1 |
) |
|
|
(0.1 |
) |
|
|
(8.7 |
) |
|
|
(0.9 |
) |
|
|
- |
|
|
|
|
(12.2 |
) |
|
|
(14.7 |
) |
|
|
(9.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
293.2 |
|
|
|
268.9 |
|
|
|
|
261.8 |
|
|
|
252.6 |
|
|
|
342.3 |
|
|
|
267.4 |
|
|
|
334.8 |
|
|
|
275.6 |
|
|
|
|
1,031.9 |
|
|
|
1,076.5 |
|
|
|
1,220.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
141.5 |
|
|
|
140.2 |
|
|
|
|
141.9 |
|
|
|
146.1 |
|
|
|
144.2 |
|
|
|
145.1 |
|
|
|
150.6 |
|
|
|
158.4 |
|
|
|
|
565.0 |
|
|
|
569.7 |
|
|
|
598.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
(3.7 |
) |
|
|
8.3 |
|
|
|
|
16.4 |
|
|
|
36.5 |
|
|
|
(51.3 |
) |
|
|
35.1 |
|
|
|
(25.7 |
) |
|
|
34.4 |
|
|
|
|
93.0 |
|
|
|
57.5 |
|
|
|
(7.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
32.9 |
|
|
|
26.8 |
|
|
|
|
31.5 |
|
|
|
33.0 |
|
|
|
36.9 |
|
|
|
35.0 |
|
|
|
37.0 |
|
|
|
37.6 |
|
|
|
|
124.0 |
|
|
|
124.2 |
|
|
|
146.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
1.1 |
|
|
|
0.9 |
|
|
|
|
1.3 |
|
|
|
1.0 |
|
|
|
0.8 |
|
|
|
0.8 |
|
|
|
0.9 |
|
|
|
0.8 |
|
|
|
|
4.6 |
|
|
|
4.3 |
|
|
|
3.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
(2.4 |
) |
|
|
(3.8 |
) |
|
|
|
(1.7 |
) |
|
|
- |
|
|
|
(1.2 |
) |
|
|
(1.0 |
) |
|
|
(1.2 |
) |
|
|
(0.9 |
) |
|
|
|
(5.2 |
) |
|
|
(7.9 |
) |
|
|
(4.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入(虧損) |
$ |
|
27.9 |
|
$ |
|
32.2 |
|
|
$ |
|
47.5 |
|
$ |
|
70.5 |
|
$ |
|
(14.8 |
) |
$ |
|
69.9 |
|
$ |
|
11.0 |
|
$ |
|
71.9 |
|
|
$ |
|
216.4 |
|
$ |
|
178.1 |
|
$ |
|
138.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
64.0 |
% |
|
|
52.4 |
% |
|
|
|
59.6 |
% |
|
|
58.5 |
% |
|
|
57.6 |
% |
|
|
57.6 |
% |
|
|
61.2 |
% |
|
|
58.0 |
% |
|
|
|
59.2 |
% |
|
|
58.6 |
% |
|
|
58.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年發展良好,不包括巨災損失 |
|
|
- |
|
|
|
(0.7 |
)% |
|
|
|
(0.9 |
)% |
|
|
(1.4 |
)% |
|
|
(0.6 |
)% |
|
|
(1.0 |
)% |
|
|
(0.7 |
)% |
|
|
(1.5 |
)% |
|
|
|
(2.2 |
)% |
|
|
(0.7 |
)% |
|
|
(1.0 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
4.7 |
% |
|
|
13.8 |
% |
|
|
|
5.3 |
% |
|
|
0.9 |
% |
|
|
21.7 |
% |
|
|
5.0 |
% |
|
|
12.5 |
% |
|
|
2.3 |
% |
|
|
|
4.8 |
% |
|
|
6.2 |
% |
|
|
10.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨災發展 |
|
|
(0.7 |
)% |
|
|
(1.1 |
)% |
|
|
|
(1.7 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(1.9 |
)% |
|
|
(0.2 |
)% |
|
|
- |
|
|
|
|
(0.7 |
)% |
|
|
(0.9 |
)% |
|
|
(0.5 |
)% |
總損耗和LAE比率 |
|
|
68.0 |
% |
|
|
64.4 |
% |
|
|
|
62.3 |
% |
|
|
58.0 |
% |
|
|
78.7 |
% |
|
|
59.7 |
% |
|
|
72.8 |
% |
|
|
58.8 |
% |
|
|
|
61.1 |
% |
|
|
63.2 |
% |
|
|
67.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
32.6 |
% |
|
|
33.4 |
% |
|
|
|
33.5 |
% |
|
|
33.4 |
% |
|
|
33.0 |
% |
|
|
32.2 |
% |
|
|
32.6 |
% |
|
|
33.6 |
% |
|
|
|
33.2 |
% |
|
|
33.2 |
% |
|
|
32.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率 |
|
|
100.6 |
% |
|
|
97.8 |
% |
|
|
|
95.8 |
% |
|
|
91.4 |
% |
|
|
111.7 |
% |
|
|
91.9 |
% |
|
|
105.4 |
% |
|
|
92.4 |
% |
|
|
|
94.3 |
% |
|
|
96.4 |
% |
|
|
100.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率,不包括巨災損失 |
|
|
96.6 |
% |
|
|
85.1 |
% |
|
|
|
92.2 |
% |
|
|
90.5 |
% |
|
|
90.0 |
% |
|
|
88.8 |
% |
|
|
93.1 |
% |
|
|
90.1 |
% |
|
|
|
90.2 |
% |
|
|
91.1 |
% |
|
|
90.6 |
% |
綜合比率,不包括巨災損失和上年發展 |
|
|
96.6 |
% |
|
|
85.8 |
% |
|
|
|
93.1 |
% |
|
|
91.9 |
% |
|
|
90.6 |
% |
|
|
89.8 |
% |
|
|
93.8 |
% |
|
|
91.6 |
% |
|
|
|
92.4 |
% |
|
|
91.8 |
% |
|
|
91.6 |
% |
3
漢諾威保險集團 |
|
||||||||||||||||||||||||||||||||||||||||||||
書面保費和相關指標 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
核心商業廣告 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黃大仙 |
|
|
黃大仙 |
|
|
黃大仙 |
|
|||
(單位:百萬,百分比數據除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
書面保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
毛收入 |
$ |
|
517.3 |
|
$ |
|
431.4 |
|
$ |
|
547.4 |
|
$ |
|
453.3 |
|
$ |
|
539.9 |
|
$ |
|
473.6 |
|
$ |
|
601.1 |
|
$ |
|
484.9 |
|
|
$ |
|
1,928.5 |
|
$ |
|
1,949.4 |
|
$ |
|
2,099.5 |
|
割讓 |
|
|
(56.7 |
) |
|
|
(52.8 |
) |
|
|
(61.0 |
) |
|
|
(52.7 |
) |
|
|
(59.3 |
) |
|
|
(51.9 |
) |
|
|
(66.5 |
) |
|
|
(57.0 |
) |
|
|
|
(201.5 |
) |
|
|
(223.2 |
) |
|
|
(234.7 |
) |
網絡 |
$ |
|
460.6 |
|
$ |
|
378.6 |
|
$ |
|
486.4 |
|
$ |
|
400.6 |
|
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
|
$ |
|
1,727.0 |
|
$ |
|
1,726.2 |
|
$ |
|
1,864.8 |
|
生長 |
|
|
5.0 |
% |
|
|
(5.0 |
)% |
|
|
0.1 |
% |
|
|
(0.9 |
)% |
|
|
4.3 |
% |
|
|
11.4 |
% |
|
|
9.9 |
% |
|
|
6.8 |
% |
|
|
|
3.8 |
% |
|
|
- |
|
|
|
8.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
` |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按分部列出的淨保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
小型商業 |
$ |
|
237.2 |
|
$ |
|
220.0 |
|
$ |
|
233.1 |
|
$ |
|
222.3 |
|
$ |
|
257.1 |
|
$ |
|
246.8 |
|
$ |
|
256.3 |
|
$ |
|
243.2 |
|
|
$ |
|
872.4 |
|
$ |
|
912.6 |
|
$ |
|
1,003.4 |
|
中端市場 |
|
|
223.4 |
|
|
|
158.6 |
|
|
|
253.3 |
|
|
|
178.3 |
|
|
|
223.5 |
|
|
|
174.9 |
|
|
|
278.3 |
|
|
|
184.7 |
|
|
|
|
854.6 |
|
|
|
813.6 |
|
|
|
861.4 |
|
總計 |
$ |
|
460.6 |
|
$ |
|
378.6 |
|
$ |
|
486.4 |
|
$ |
|
400.6 |
|
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
|
$ |
|
1,727.0 |
|
$ |
|
1,726.2 |
|
$ |
|
1,864.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按業務類別劃分的淨保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
商業多重危險 |
$ |
|
230.3 |
|
$ |
|
199.6 |
|
$ |
|
269.5 |
|
$ |
|
204.7 |
|
$ |
|
237.2 |
|
$ |
|
219.0 |
|
$ |
|
284.2 |
|
$ |
|
217.3 |
|
|
$ |
|
893.5 |
|
$ |
|
904.1 |
|
$ |
|
957.7 |
|
商用汽車 |
|
|
87.9 |
|
|
|
76.0 |
|
|
|
87.0 |
|
|
|
78.0 |
|
|
|
90.0 |
|
|
|
80.6 |
|
|
|
92.9 |
|
|
|
77.3 |
|
|
|
|
329.6 |
|
|
|
328.9 |
|
|
|
340.8 |
|
工傷賠償 |
|
|
95.5 |
|
|
|
64.0 |
|
|
|
77.8 |
|
|
|
78.2 |
|
|
|
95.7 |
|
|
|
76.6 |
|
|
|
92.7 |
|
|
|
84.3 |
|
|
|
|
329.6 |
|
|
|
315.5 |
|
|
|
349.3 |
|
其他核心商業 |
|
|
46.9 |
|
|
|
39.0 |
|
|
|
52.1 |
|
|
|
39.7 |
|
|
|
57.7 |
|
|
|
45.5 |
|
|
|
64.8 |
|
|
|
49.0 |
|
|
|
|
174.3 |
|
|
|
177.7 |
|
|
|
217.0 |
|
總計 |
$ |
|
460.6 |
|
$ |
|
378.6 |
|
$ |
|
486.4 |
|
$ |
|
400.6 |
|
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
|
$ |
|
1,727.0 |
|
$ |
|
1,726.2 |
|
$ |
|
1,864.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
相關指標 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
保費留存 |
|
|
85.3 |
% |
|
|
86.9 |
% |
|
|
87.1 |
% |
|
|
85.3 |
% |
|
|
87.3 |
% |
|
|
84.9 |
% |
|
|
87.8 |
% |
|
|
86.7 |
% |
|
|
|
83.4 |
% |
|
|
86.2 |
% |
|
|
86.7 |
% |
續訂價格變動 |
|
|
6.0 |
% |
|
|
1.2 |
% |
|
|
4.9 |
% |
|
|
6.7 |
% |
|
|
6.3 |
% |
|
|
9.3 |
% |
|
|
9.4 |
% |
|
|
9.5 |
% |
|
|
|
6.2 |
% |
|
|
4.7 |
% |
|
|
8.6 |
% |
4
漢諾威保險集團 |
|
||||||||||||||||||||||||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
專業 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黃大仙 |
|
|
黃大仙 |
|
|
黃大仙 |
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(單位:百萬,百分比數據除外) |
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1Q2020 |
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2Q2020 |
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3Q2020 |
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4Q2020 |
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1Q2021 |
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2Q2021 |
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3Q2021 |
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4Q2021 |
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2019 |
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2020 |
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2021 |
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書面毛保費 |
$ |
|
313.2 |
|
$ |
|
295.0 |
|
$ |
|
337.3 |
|
$ |
|
306.1 |
|
$ |
|
344.1 |
|
$ |
|
332.1 |
|
$ |
|
327.2 |
|
$ |
|
346.0 |
|
|
$ |
|
1,198.8 |
|
$ |
|
1,251.6 |
|
$ |
|
1,349.4 |
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淨保費已成交 |
$ |
|
247.0 |
|
$ |
|
236.3 |
|
$ |
|
274.1 |
|
$ |
|
249.5 |
|
$ |
|
276.8 |
|
$ |
|
265.1 |
|
$ |
|
292.2 |
|
$ |
|
284.8 |
|
|
$ |
|
980.2 |
|
$ |
|
1,006.9 |
|
$ |
|
1,118.9 |
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賺取的淨保費 |
$ |
|
244.9 |
|
$ |
|
241.2 |
|
$ |
|
245.0 |
|
$ |
|
248.5 |
|
$ |
|
257.7 |
|
$ |
|
255.8 |
|
$ |
|
238.9 |
|
$ |
|
277.5 |
|
|
$ |
|
964.3 |
|
$ |
|
979.6 |
|
$ |
|
1,029.9 |
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虧損和LAE: |
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本年度,不包括巨災損失 |
|
|
137.9 |
|
|
|
131.3 |
|
|
|
134.7 |
|
|
|
130.7 |
|
|
|
138.3 |
|
|
|
145.7 |
|
|
|
125.8 |
|
|
|
145.7 |
|
|
|
|
554.0 |
|
|
|
534.6 |
|
|
|
555.5 |
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不包括巨災損失的上一年不利(有利)發展 |
|
|
(3.8 |
) |
|
|
(2.3 |
) |
|
|
(0.3 |
) |
|
|
- |
|
|
|
(0.6 |
) |
|
|
(3.3 |
) |
|
|
(8.1 |
) |
|
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(4.2 |
) |
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9.1 |
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(6.4 |
) |
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(16.2 |
) |
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當年巨災損失 |
|
|
6.9 |
|
|
|
12.9 |
|
|
|
20.5 |
|
|
|
6.4 |
|
|
|
24.3 |
|
|
|
7.7 |
|
|
|
17.5 |
|
|
|
4.6 |
|
|
|
|
27.0 |
|
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|
46.7 |
|
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|
54.1 |
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前一年災害發展不利(有利) |
|
|
(0.4 |
) |
|
|
(1.3 |
) |
|
|
(1.9 |
) |
|
|
(0.5 |
) |
|
|
0.1 |
|
|
|
(3.3 |
) |
|
|
0.9 |
|
|
|
- |
|
|
|
|
(12.4 |
) |
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(4.1 |
) |
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(2.3 |
) |
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總虧損和LAE |
|
|
140.6 |
|
|
|
140.6 |
|
|
|
153.0 |
|
|
|
136.6 |
|
|
|
162.1 |
|
|
|
146.8 |
|
|
|
136.1 |
|
|
|
146.1 |
|
|
|
|
577.7 |
|
|
|
570.8 |
|
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|
591.1 |
|
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攤銷遞延收購成本和其他承銷費用 |
|
|
90.2 |
|
|
|
87.6 |
|
|
|
89.7 |
|
|
|
92.5 |
|
|
|
93.6 |
|
|
|
90.3 |
|
|
|
87.3 |
|
|
|
98.2 |
|
|
|
|
358.1 |
|
|
|
360.0 |
|
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|
369.4 |
|
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公認會計準則承銷利潤 |
|
|
14.1 |
|
|
|
13.0 |
|
|
|
2.3 |
|
|
|
19.4 |
|
|
|
2.0 |
|
|
|
18.7 |
|
|
|
15.5 |
|
|
|
33.2 |
|
|
|
|
28.5 |
|
|
|
48.8 |
|
|
|
69.4 |
|
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淨投資收益 |
|
|
13.5 |
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|
|
11.1 |
|
|
|
12.9 |
|
|
|
13.6 |
|
|
|
14.9 |
|
|
|
16.0 |
|
|
|
15.9 |
|
|
|
16.1 |
|
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|
|
56.1 |
|
|
|
51.1 |
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|
62.9 |
|
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其他收入 |
|
|
1.2 |
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|
|
1.3 |
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|
|
1.5 |
|
|
|
1.4 |
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|
1.6 |
|
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|
1.7 |
|
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1.6 |
|
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1.5 |
|
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|
4.6 |
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5.4 |
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6.4 |
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其他運營費用 |
|
|
(2.1 |
) |
|
|
(2.3 |
) |
|
|
(1.9 |
) |
|
|
(1.7 |
) |
|
|
(1.5 |
) |
|
|
(1.9 |
) |
|
|
(1.6 |
) |
|
|
(1.8 |
) |
|
|
|
(5.5 |
) |
|
|
(8.0 |
) |
|
|
(6.8 |
) |
|
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|
|
所得税前營業收入 |
$ |
|
26.7 |
|
$ |
|
23.1 |
|
$ |
|
14.8 |
|
$ |
|
32.7 |
|
$ |
|
17.0 |
|
$ |
|
34.5 |
|
$ |
|
31.4 |
|
$ |
|
49.0 |
|
|
$ |
|
83.7 |
|
$ |
|
97.3 |
|
$ |
|
131.9 |
|
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損失和LAE比率: |
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|
本年度,不包括巨災損失 |
|
|
56.3 |
% |
|
|
54.5 |
% |
|
|
54.9 |
% |
|
|
52.6 |
% |
|
|
53.6 |
% |
|
|
57.0 |
% |
|
|
52.7 |
% |
|
|
52.4 |
% |
|
|
|
57.5 |
% |
|
|
54.7 |
% |
|
|
54.0 |
% |
|
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|
|
上年發展良好,不包括巨災損失 |
|
|
(1.6 |
)% |
|
|
(1.0 |
)% |
|
|
(0.1 |
)% |
|
|
- |
|
|
|
(0.2 |
)% |
|
|
(1.3 |
)% |
|
|
(3.4 |
)% |
|
|
(1.5 |
)% |
|
|
|
0.9 |
% |
|
|
(0.7 |
)% |
|
|
(1.6 |
)% |
|
|
|
|
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|
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|
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|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
2.9 |
% |
|
|
5.3 |
% |
|
|
8.4 |
% |
|
|
2.6 |
% |
|
|
9.5 |
% |
|
|
3.0 |
% |
|
|
7.3 |
% |
|
|
1.7 |
% |
|
|
|
2.8 |
% |
|
|
4.7 |
% |
|
|
5.2 |
% |
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
|
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|
|
前一年災害發展不利(有利) |
|
|
(0.2 |
)% |
|
|
(0.5 |
)% |
|
|
(0.8 |
)% |
|
|
(0.2 |
)% |
|
|
- |
|
|
|
(1.3 |
)% |
|
|
0.4 |
% |
|
|
- |
|
|
|
|
(1.3 |
)% |
|
|
(0.4 |
)% |
|
|
(0.2 |
)% |
總損耗和LAE比率 |
|
|
57.4 |
% |
|
|
58.3 |
% |
|
|
62.4 |
% |
|
|
55.0 |
% |
|
|
62.9 |
% |
|
|
57.4 |
% |
|
|
57.0 |
% |
|
|
52.6 |
% |
|
|
|
59.9 |
% |
|
|
58.3 |
% |
|
|
57.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
36.6 |
% |
|
|
36.1 |
% |
|
|
36.3 |
% |
|
|
36.9 |
% |
|
|
35.9 |
% |
|
|
34.9 |
% |
|
|
36.2 |
% |
|
|
35.1 |
% |
|
|
|
37.0 |
% |
|
|
36.5 |
% |
|
|
35.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率 |
|
|
94.0 |
% |
|
|
94.4 |
% |
|
|
98.7 |
% |
|
|
91.9 |
% |
|
|
98.8 |
% |
|
|
92.3 |
% |
|
|
93.2 |
% |
|
|
87.7 |
% |
|
|
|
96.9 |
% |
|
|
94.8 |
% |
|
|
92.9 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率,不包括巨災損失 |
|
|
91.3 |
% |
|
|
89.6 |
% |
|
|
91.1 |
% |
|
|
89.5 |
% |
|
|
89.3 |
% |
|
|
90.6 |
% |
|
|
85.5 |
% |
|
|
86.0 |
% |
|
|
|
95.4 |
% |
|
|
90.5 |
% |
|
|
87.9 |
% |
綜合比率,不包括巨災損失和上年發展 |
|
|
92.9 |
% |
|
|
90.6 |
% |
|
|
91.2 |
% |
|
|
89.5 |
% |
|
|
89.5 |
% |
|
|
91.9 |
% |
|
|
88.9 |
% |
|
|
87.5 |
% |
|
|
|
94.5 |
% |
|
|
91.2 |
% |
|
|
89.5 |
% |
5
漢諾威保險集團 |
|
||||||||||||||||||||||||||||||||||||||||||||
書面保費和相關指標 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
專業 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黃大仙 |
|
|
黃大仙 |
|
|
黃大仙 |
|
|||
(單位:百萬,百分比數據除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
書面保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
毛收入 |
$ |
|
313.2 |
|
$ |
|
295.0 |
|
$ |
|
337.3 |
|
$ |
|
306.1 |
|
$ |
|
344.1 |
|
$ |
|
332.1 |
|
$ |
|
327.2 |
|
$ |
|
346.0 |
|
|
$ |
|
1,198.8 |
|
$ |
|
1,251.6 |
|
$ |
|
1,349.4 |
|
割讓 |
|
|
(66.2 |
) |
|
|
(58.7 |
) |
|
|
(63.2 |
) |
|
|
(56.6 |
) |
|
|
(67.3 |
) |
|
|
(67.0 |
) |
|
|
(35.0 |
) |
|
|
(61.2 |
) |
|
|
|
(218.6 |
) |
|
|
(244.7 |
) |
|
|
(230.5 |
) |
網絡 |
$ |
|
247.0 |
|
$ |
|
236.3 |
|
$ |
|
274.1 |
|
$ |
|
249.5 |
|
$ |
|
276.8 |
|
$ |
|
265.1 |
|
$ |
|
292.2 |
|
$ |
|
284.8 |
|
|
$ |
|
980.2 |
|
$ |
|
1,006.9 |
|
$ |
|
1,118.9 |
|
生長 |
|
|
3.4 |
% |
|
|
(4.1 |
)% |
|
|
5.3 |
% |
|
|
6.3 |
% |
|
|
12.1 |
% |
|
|
12.2 |
% |
|
|
6.6 |
% |
|
|
14.1 |
% |
|
|
|
3.5 |
% |
|
|
2.7 |
% |
|
|
11.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按分部列出的淨保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
專業線和執行線 |
$ |
|
86.0 |
|
$ |
|
75.3 |
|
$ |
|
88.5 |
|
$ |
|
81.0 |
|
$ |
|
94.4 |
|
$ |
|
81.3 |
|
$ |
|
98.0 |
|
$ |
|
93.3 |
|
|
$ |
|
306.4 |
|
$ |
|
330.8 |
|
$ |
|
367.0 |
|
特殊財產和意外傷害 |
|
|
73.1 |
|
|
|
72.6 |
|
|
|
84.1 |
|
|
|
80.9 |
|
|
|
79.3 |
|
|
|
79.8 |
|
|
|
87.1 |
|
|
|
101.4 |
|
|
|
|
319.6 |
|
|
|
310.7 |
|
|
|
347.6 |
|
海軍陸戰隊 |
|
|
72.7 |
|
|
|
72.8 |
|
|
|
85.2 |
|
|
|
73.6 |
|
|
|
91.1 |
|
|
|
86.6 |
|
|
|
90.4 |
|
|
|
77.1 |
|
|
|
|
288.6 |
|
|
|
304.3 |
|
|
|
345.2 |
|
擔保人及其他 |
|
|
15.2 |
|
|
|
15.6 |
|
|
|
16.3 |
|
|
|
14.0 |
|
|
|
12.0 |
|
|
|
17.4 |
|
|
|
16.7 |
|
|
|
13.0 |
|
|
|
|
65.6 |
|
|
|
61.1 |
|
|
|
59.1 |
|
總計 |
$ |
|
247.0 |
|
$ |
|
236.3 |
|
$ |
|
274.1 |
|
$ |
|
249.5 |
|
$ |
|
276.8 |
|
$ |
|
265.1 |
|
$ |
|
292.2 |
|
$ |
|
284.8 |
|
|
$ |
|
980.2 |
|
$ |
|
1,006.9 |
|
$ |
|
1,118.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
相關指標 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
保費留存 |
|
|
82.4 |
% |
|
|
83.2 |
% |
|
|
84.0 |
% |
|
|
84.4 |
% |
|
|
82.3 |
% |
|
|
83.1 |
% |
|
|
85.5 |
% |
|
|
84.8 |
% |
|
|
|
80.9 |
% |
|
|
83.5 |
% |
|
|
83.9 |
% |
續訂價格變動 |
|
|
8.9 |
% |
|
|
5.8 |
% |
|
|
7.9 |
% |
|
|
10.1 |
% |
|
|
8.7 |
% |
|
|
11.3 |
% |
|
|
10.8 |
% |
|
|
12.7 |
% |
|
|
|
6.1 |
% |
|
|
8.1 |
% |
|
|
10.9 |
% |
6
漢諾威保險集團 |
|
||||||||||||||||||||||||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人專線 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黃大仙 |
|
|
黃大仙 |
|
|
黃大仙 |
|
|||
(單位:百萬,百分比數據除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
書面毛保費 |
$ |
|
458.4 |
|
$ |
|
497.6 |
|
$ |
|
521.4 |
|
$ |
|
476.1 |
|
$ |
|
453.6 |
|
$ |
|
537.1 |
|
$ |
|
564.9 |
|
$ |
|
339.8 |
|
|
$ |
|
1,991.2 |
|
$ |
|
1,953.5 |
|
$ |
|
1,895.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費已成交 |
$ |
|
429.3 |
|
$ |
|
466.1 |
|
$ |
|
508.0 |
|
$ |
|
462.0 |
|
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
502.2 |
|
|
$ |
|
1,874.5 |
|
$ |
|
1,865.4 |
|
$ |
|
2,009.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
$ |
|
465.5 |
|
$ |
|
438.0 |
|
$ |
|
470.3 |
|
$ |
|
470.3 |
|
$ |
|
468.9 |
|
$ |
|
476.4 |
|
$ |
|
487.4 |
|
$ |
|
496.7 |
|
|
$ |
|
1,820.3 |
|
$ |
|
1,844.1 |
|
$ |
|
1,929.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
278.6 |
|
|
|
219.2 |
|
|
|
260.6 |
|
|
|
280.7 |
|
|
|
267.3 |
|
|
|
277.0 |
|
|
|
303.9 |
|
|
|
321.6 |
|
|
|
|
1,141.0 |
|
|
|
1,039.1 |
|
|
|
1,169.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
(1.6 |
) |
|
|
(0.1 |
) |
|
|
1.0 |
|
|
|
- |
|
|
|
(5.2 |
) |
|
|
(5.0 |
) |
|
|
(9.9 |
) |
|
|
(3.0 |
) |
|
|
|
26.6 |
|
|
|
(0.7 |
) |
|
|
(23.1 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
10.8 |
|
|
|
84.0 |
|
|
|
33.0 |
|
|
|
25.0 |
|
|
|
14.5 |
|
|
|
61.6 |
|
|
|
78.7 |
|
|
|
23.5 |
|
|
|
|
89.0 |
|
|
|
152.8 |
|
|
|
178.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
3.3 |
|
|
|
(1.0 |
) |
|
|
(0.7 |
) |
|
|
0.1 |
|
|
|
- |
|
|
|
(3.0 |
) |
|
|
- |
|
|
|
- |
|
|
|
|
(2.9 |
) |
|
|
1.7 |
|
|
|
(3.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
291.1 |
|
|
|
302.1 |
|
|
|
293.9 |
|
|
|
305.8 |
|
|
|
276.6 |
|
|
|
330.6 |
|
|
|
372.7 |
|
|
|
342.1 |
|
|
|
|
1,253.7 |
|
|
|
1,192.9 |
|
|
|
1,322.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
130.3 |
|
|
|
118.5 |
|
|
|
133.4 |
|
|
|
136.1 |
|
|
|
133.4 |
|
|
|
136.3 |
|
|
|
135.0 |
|
|
|
137.6 |
|
|
|
|
507.5 |
|
|
|
518.3 |
|
|
|
542.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
44.1 |
|
|
|
17.4 |
|
|
|
43.0 |
|
|
|
28.4 |
|
|
|
58.9 |
|
|
|
9.5 |
|
|
|
(20.3 |
) |
|
|
17.0 |
|
|
|
|
59.1 |
|
|
|
132.9 |
|
|
|
65.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
20.3 |
|
|
|
16.5 |
|
|
|
19.5 |
|
|
|
20.4 |
|
|
|
22.1 |
|
|
|
21.8 |
|
|
|
22.6 |
|
|
|
22.9 |
|
|
|
|
80.1 |
|
|
|
76.7 |
|
|
|
89.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
2.7 |
|
|
|
1.8 |
|
|
|
3.5 |
|
|
|
2.6 |
|
|
|
2.3 |
|
|
|
2.2 |
|
|
|
2.6 |
|
|
|
2.6 |
|
|
|
|
11.4 |
|
|
|
10.6 |
|
|
|
9.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
(2.2 |
) |
|
|
(3.1 |
) |
|
|
(1.8 |
) |
|
|
(0.6 |
) |
|
|
(1.5 |
) |
|
|
(1.3 |
) |
|
|
(1.3 |
) |
|
|
(1.6 |
) |
|
|
|
(5.7 |
) |
|
|
(7.7 |
) |
|
|
(5.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入 |
$ |
|
64.9 |
|
$ |
|
32.6 |
|
$ |
|
64.2 |
|
$ |
|
50.8 |
|
$ |
|
81.8 |
|
$ |
|
32.2 |
|
$ |
|
3.6 |
|
$ |
|
40.9 |
|
|
|
|
144.9 |
|
|
|
212.5 |
|
$ |
|
158.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
59.8 |
% |
|
|
50.1 |
% |
|
|
55.4 |
% |
|
|
59.7 |
% |
|
|
57.0 |
% |
|
|
58.1 |
% |
|
|
62.4 |
% |
|
|
64.8 |
% |
|
|
|
62.7 |
% |
|
|
56.3 |
% |
|
|
60.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
(0.3 |
)% |
|
|
- |
|
|
|
0.2 |
% |
|
|
- |
|
|
|
(1.1 |
)% |
|
|
(1.0 |
)% |
|
|
(2.0 |
)% |
|
|
(0.6 |
)% |
|
|
|
1.5 |
% |
|
|
- |
|
|
|
(1.2 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
2.3 |
% |
|
|
19.1 |
% |
|
|
7.0 |
% |
|
|
5.3 |
% |
|
|
3.1 |
% |
|
|
12.9 |
% |
|
|
16.1 |
% |
|
|
4.7 |
% |
|
|
|
4.9 |
% |
|
|
8.3 |
% |
|
|
9.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
0.7 |
% |
|
|
(0.2 |
)% |
|
|
(0.1 |
)% |
|
|
- |
|
|
|
- |
|
|
|
(0.6 |
)% |
|
|
- |
|
|
|
- |
|
|
|
|
(0.2 |
)% |
|
|
0.1 |
% |
|
|
(0.2 |
)% |
總損耗和LAE比率 |
|
|
62.5 |
% |
|
|
69.0 |
% |
|
|
62.5 |
% |
|
|
65.0 |
% |
|
|
59.0 |
% |
|
|
69.4 |
% |
|
|
76.5 |
% |
|
|
68.9 |
% |
|
|
|
68.9 |
% |
|
|
64.7 |
% |
|
|
68.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
27.5 |
% |
|
|
26.7 |
% |
|
|
27.9 |
% |
|
|
28.4 |
% |
|
|
28.0 |
% |
|
|
28.2 |
% |
|
|
27.3 |
% |
|
|
27.3 |
% |
|
|
|
27.4 |
% |
|
|
27.7 |
% |
|
|
27.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率 |
|
|
90.0 |
% |
|
|
95.7 |
% |
|
|
90.4 |
% |
|
|
93.4 |
% |
|
|
87.0 |
% |
|
|
97.6 |
% |
|
|
103.8 |
% |
|
|
96.2 |
% |
|
|
|
96.3 |
% |
|
|
92.4 |
% |
|
|
96.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率,不包括巨災損失 |
|
|
87.0 |
% |
|
|
76.8 |
% |
|
|
83.5 |
% |
|
|
88.1 |
% |
|
|
83.9 |
% |
|
|
85.3 |
% |
|
|
87.7 |
% |
|
|
91.5 |
% |
|
|
|
91.6 |
% |
|
|
84.0 |
% |
|
|
87.1 |
% |
綜合比率,不包括巨災損失和上年發展 |
|
|
87.3 |
% |
|
|
76.8 |
% |
|
|
83.3 |
% |
|
|
88.1 |
% |
|
|
85.0 |
% |
|
|
86.3 |
% |
|
|
89.7 |
% |
|
|
92.1 |
% |
|
|
|
90.1 |
% |
|
|
84.0 |
% |
|
|
88.3 |
% |
7
漢諾威保險集團 |
|
||||||||||||||||||||||||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人專線-汽車 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黃大仙 |
|
|
黃大仙 |
|
|
黃大仙 |
|
|||
(單位:百萬,百分比數據除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費已成交 |
$ |
|
279.4 |
|
$ |
|
276.8 |
|
$ |
|
311.6 |
|
$ |
|
283.7 |
|
$ |
|
280.7 |
|
$ |
|
318.6 |
|
$ |
|
330.8 |
|
$ |
|
300.3 |
|
|
$ |
|
1,186.1 |
|
$ |
|
1,151.5 |
|
$ |
|
1,230.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
$ |
|
293.3 |
|
$ |
|
263.9 |
|
$ |
|
295.2 |
|
$ |
|
293.4 |
|
$ |
|
291.1 |
|
$ |
|
295.6 |
|
$ |
|
301.8 |
|
$ |
|
305.3 |
|
|
$ |
|
1,152.4 |
|
$ |
|
1,145.8 |
|
$ |
|
1,193.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
196.6 |
|
|
|
131.8 |
|
|
|
177.6 |
|
|
|
197.1 |
|
|
|
174.7 |
|
|
|
183.6 |
|
|
|
207.9 |
|
|
|
226.3 |
|
|
|
|
825.3 |
|
|
|
703.1 |
|
|
|
792.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
2.9 |
|
|
|
- |
|
|
|
(0.1 |
) |
|
|
1.7 |
|
|
|
(5.3 |
) |
|
|
(3.8 |
) |
|
|
(10.0 |
) |
|
|
(4.4 |
) |
|
|
|
22.0 |
|
|
|
4.5 |
|
|
|
(23.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
0.8 |
|
|
|
5.2 |
|
|
|
3.2 |
|
|
|
1.0 |
|
|
|
0.6 |
|
|
|
9.4 |
|
|
|
7.5 |
|
|
|
2.5 |
|
|
|
|
5.7 |
|
|
|
10.2 |
|
|
|
20.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
0.9 |
|
|
|
(0.1 |
) |
|
|
- |
|
|
|
(0.1 |
) |
|
|
- |
|
|
|
(0.7 |
) |
|
|
(0.3 |
) |
|
|
(0.3 |
) |
|
|
|
(0.4 |
) |
|
|
0.7 |
|
|
|
(1.3 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
201.2 |
|
|
|
136.9 |
|
|
|
180.7 |
|
|
|
199.7 |
|
|
|
170.0 |
|
|
|
188.5 |
|
|
|
205.1 |
|
|
|
224.1 |
|
|
|
|
852.6 |
|
|
|
718.5 |
|
|
|
787.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
67.0 |
% |
|
|
50.0 |
% |
|
|
60.1 |
% |
|
|
67.2 |
% |
|
|
60.0 |
% |
|
|
62.2 |
% |
|
|
68.9 |
% |
|
|
74.1 |
% |
|
|
|
71.6 |
% |
|
|
61.3 |
% |
|
|
66.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
1.0 |
% |
|
|
- |
|
|
|
- |
|
|
|
0.6 |
% |
|
|
(1.8 |
)% |
|
|
(1.3 |
)% |
|
|
(3.3 |
)% |
|
|
(1.4 |
)% |
|
|
|
1.9 |
% |
|
|
0.4 |
% |
|
|
(2.0 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
0.3 |
% |
|
|
1.9 |
% |
|
|
1.1 |
% |
|
|
0.3 |
% |
|
|
0.2 |
% |
|
|
3.1 |
% |
|
|
2.5 |
% |
|
|
0.8 |
% |
|
|
|
0.5 |
% |
|
|
0.9 |
% |
|
|
1.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
0.3 |
% |
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
(0.2 |
)% |
|
|
(0.1 |
)% |
|
|
(0.1 |
)% |
|
|
|
- |
|
|
|
0.1 |
% |
|
|
(0.1 |
)% |
總損耗和LAE比率 |
|
|
68.6 |
% |
|
|
51.9 |
% |
|
|
61.2 |
% |
|
|
68.1 |
% |
|
|
58.4 |
% |
|
|
63.8 |
% |
|
|
68.0 |
% |
|
|
73.4 |
% |
|
|
|
74.0 |
% |
|
|
62.7 |
% |
|
|
66.0 |
% |
8
漢諾威保險集團 |
|
||||||||||||||||||||||||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人電話-首頁和其他 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黃大仙 |
|
|
黃大仙 |
|
|
黃大仙 |
|
|||
(單位:百萬,百分比數據除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費已成交 |
$ |
|
149.9 |
|
$ |
|
189.3 |
|
$ |
|
196.4 |
|
$ |
|
178.3 |
|
$ |
|
158.0 |
|
$ |
|
201.8 |
|
$ |
|
217.6 |
|
$ |
|
201.9 |
|
|
$ |
|
688.4 |
|
$ |
|
713.9 |
|
$ |
|
779.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
$ |
|
172.2 |
|
$ |
|
174.1 |
|
$ |
|
175.1 |
|
$ |
|
176.9 |
|
$ |
|
177.8 |
|
$ |
|
180.8 |
|
$ |
|
185.6 |
|
$ |
|
191.4 |
|
|
$ |
|
667.9 |
|
$ |
|
698.3 |
|
$ |
|
735.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
82.0 |
|
|
|
87.4 |
|
|
|
83.0 |
|
|
|
83.6 |
|
|
|
92.6 |
|
|
|
93.4 |
|
|
|
96.0 |
|
|
|
95.3 |
|
|
|
|
315.7 |
|
|
|
336.0 |
|
|
|
377.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
(4.5 |
) |
|
|
(0.1 |
) |
|
|
1.1 |
|
|
|
(1.7 |
) |
|
|
0.1 |
|
|
|
(1.2 |
) |
|
|
0.1 |
|
|
|
1.4 |
|
|
|
|
4.6 |
|
|
|
(5.2 |
) |
|
|
0.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
10.0 |
|
|
|
78.8 |
|
|
|
29.8 |
|
|
|
24.0 |
|
|
|
13.9 |
|
|
|
52.2 |
|
|
|
71.2 |
|
|
|
21.0 |
|
|
|
|
83.3 |
|
|
|
142.6 |
|
|
|
158.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
2.4 |
|
|
|
(0.9 |
) |
|
|
(0.7 |
) |
|
|
0.2 |
|
|
|
- |
|
|
|
(2.3 |
) |
|
|
0.3 |
|
|
|
0.3 |
|
|
|
|
(2.5 |
) |
|
|
1.0 |
|
|
|
(1.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
89.9 |
|
|
|
165.2 |
|
|
|
113.2 |
|
|
|
106.1 |
|
|
|
106.6 |
|
|
|
142.1 |
|
|
|
167.6 |
|
|
|
118.0 |
|
|
|
|
401.1 |
|
|
|
474.4 |
|
|
|
534.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
47.6 |
% |
|
|
50.2 |
% |
|
|
47.4 |
% |
|
|
47.3 |
% |
|
|
52.1 |
% |
|
|
51.7 |
% |
|
|
51.6 |
% |
|
|
49.8 |
% |
|
|
|
47.3 |
% |
|
|
48.1 |
% |
|
|
51.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
(2.6 |
)% |
|
|
(0.1 |
)% |
|
|
0.6 |
% |
|
|
(1.0 |
)% |
|
|
0.1 |
% |
|
|
(0.7 |
)% |
|
|
0.1 |
% |
|
|
0.7 |
% |
|
|
|
0.7 |
% |
|
|
(0.7 |
)% |
|
|
0.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
5.8 |
% |
|
|
45.3 |
% |
|
|
17.0 |
% |
|
|
13.6 |
% |
|
|
7.8 |
% |
|
|
28.9 |
% |
|
|
38.4 |
% |
|
|
11.0 |
% |
|
|
|
12.5 |
% |
|
|
20.4 |
% |
|
|
21.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
1.4 |
% |
|
|
(0.5 |
)% |
|
|
(0.4 |
)% |
|
|
0.1 |
% |
|
|
- |
|
|
|
(1.3 |
)% |
|
|
0.2 |
% |
|
|
0.2 |
% |
|
|
|
(0.4 |
)% |
|
|
0.1 |
% |
|
|
(0.2 |
)% |
總損耗和LAE比率 |
|
|
52.2 |
% |
|
|
94.9 |
% |
|
|
64.6 |
% |
|
|
60.0 |
% |
|
|
60.0 |
% |
|
|
78.6 |
% |
|
|
90.3 |
% |
|
|
61.7 |
% |
|
|
|
60.1 |
% |
|
|
67.9 |
% |
|
|
72.6 |
% |
9
漢諾威保險集團 |
|
||||||||||||||||||||||||||||||||||||||||||||
書面保費和相關指標 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人專線 |
|
||||||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
黃大仙 |
|
|
黃大仙 |
|
|
黃大仙 |
|
|||
(單位:百萬,百分比數據除外) |
|
1Q2020 |
|
|
2Q2020 |
|
|
3Q2020 |
|
|
4Q2020 |
|
|
1Q2021 |
|
|
2Q2021 |
|
|
3Q2021 |
|
|
4Q2021 |
|
|
|
2019 |
|
|
2020 |
|
|
2021 |
|
|||||||||||
書面保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
毛收入 |
$ |
|
458.4 |
|
$ |
|
497.6 |
|
$ |
|
521.4 |
|
$ |
|
476.1 |
|
$ |
|
453.6 |
|
$ |
|
537.1 |
|
$ |
|
564.9 |
|
$ |
|
339.8 |
|
|
$ |
|
1,991.2 |
|
$ |
|
1,953.5 |
|
$ |
|
1,895.4 |
|
割讓 |
|
|
(29.1 |
) |
|
|
(31.5 |
) |
|
|
(13.4 |
) |
|
|
(14.1 |
) |
|
|
(14.9 |
) |
|
|
(16.7 |
) |
|
|
(16.5 |
) |
|
|
162.4 |
|
|
|
|
(116.7 |
) |
|
|
(88.1 |
) |
|
|
114.3 |
|
網絡 |
$ |
|
429.3 |
|
$ |
|
466.1 |
|
$ |
|
508.0 |
|
$ |
|
462.0 |
|
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
502.2 |
|
|
$ |
|
1,874.5 |
|
$ |
|
1,865.4 |
|
$ |
|
2,009.7 |
|
生長 |
|
|
2.1 |
% |
|
|
-5.5 |
% |
|
|
2.3 |
% |
|
|
-0.5 |
% |
|
|
2.2 |
% |
|
|
11.6 |
% |
|
|
8.0 |
% |
|
|
8.7 |
% |
|
|
|
5.7 |
% |
|
|
-0.5 |
% |
|
|
7.7 |
% |
|
|
|
|
|
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|
|
|
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|
|
|
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|
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|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按業務類別劃分的淨保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人汽車 |
$ |
|
279.4 |
|
$ |
|
276.8 |
|
$ |
|
311.6 |
|
$ |
|
283.7 |
|
$ |
|
280.7 |
|
$ |
|
318.6 |
|
$ |
|
330.8 |
|
$ |
|
300.3 |
|
|
$ |
|
1,186.1 |
|
$ |
|
1,151.5 |
|
$ |
|
1,230.4 |
|
房主和其他人 |
|
|
149.9 |
|
|
|
189.3 |
|
|
|
196.4 |
|
|
|
178.3 |
|
|
|
158.0 |
|
|
|
201.8 |
|
|
|
217.6 |
|
|
|
201.9 |
|
|
|
|
688.4 |
|
|
|
713.9 |
|
|
|
779.3 |
|
總計 |
$ |
|
429.3 |
|
$ |
|
466.1 |
|
$ |
|
508.0 |
|
$ |
|
462.0 |
|
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
502.2 |
|
|
$ |
|
1,874.5 |
|
$ |
|
1,865.4 |
|
$ |
|
2,009.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
相關指標 |
|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
續訂價格變動 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人汽車 |
|
|
6.4 |
% |
|
|
5.7 |
% |
|
|
6.4 |
% |
|
|
6.3 |
% |
|
|
4.2 |
% |
|
|
3.5 |
% |
|
|
1.5 |
% |
|
|
1.2 |
% |
|
|
|
6.2 |
% |
|
|
6.2 |
% |
|
|
2.6 |
% |
房主 |
|
|
9.0 |
% |
|
|
8.9 |
% |
|
|
8.6 |
% |
|
|
7.9 |
% |
|
|
6.2 |
% |
|
|
5.7 |
% |
|
|
5.9 |
% |
|
|
6.9 |
% |
|
|
|
8.7 |
% |
|
|
8.6 |
% |
|
|
6.2 |
% |
總計(1) |
|
|
7.4 |
% |
|
|
6.9 |
% |
|
|
7.2 |
% |
|
|
6.9 |
% |
|
|
4.9 |
% |
|
|
4.4 |
% |
|
|
3.2 |
% |
|
|
3.4 |
% |
|
|
|
7.1 |
% |
|
|
7.1 |
% |
|
|
4.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
保單保留 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人汽車 |
|
|
83.9 |
% |
|
|
86.5 |
% |
|
|
81.0 |
% |
|
|
82.0 |
% |
|
|
84.0 |
% |
|
|
85.8 |
% |
|
|
88.0 |
% |
|
|
88.4 |
% |
|
|
|
84.8 |
% |
|
|
83.4 |
% |
|
|
86.5 |
% |
房主 |
|
|
84.1 |
% |
|
|
87.3 |
% |
|
|
83.3 |
% |
|
|
83.4 |
% |
|
|
84.2 |
% |
|
|
86.9 |
% |
|
|
89.3 |
% |
|
|
89.6 |
% |
|
|
|
85.7 |
% |
|
|
84.5 |
% |
|
|
87.6 |
% |
總計(1) |
|
|
84.0 |
% |
|
|
86.8 |
% |
|
|
82.1 |
% |
|
|
82.7 |
% |
|
|
84.1 |
% |
|
|
86.4 |
% |
|
|
88.6 |
% |
|
|
89.0 |
% |
|
|
|
85.2 |
% |
|
|
83.9 |
% |
|
|
87.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
PIF較上年同期的變化 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人汽車 |
|
|
0.7 |
% |
|
|
(0.1 |
)% |
|
|
(1.7 |
)% |
|
|
(2.8 |
)% |
|
|
(2.7 |
)% |
|
|
(0.9 |
)% |
|
|
2.7 |
% |
|
|
6.1 |
% |
|
|
|
1.4 |
% |
|
|
(2.8 |
)% |
|
|
6.1 |
% |
房主 |
|
|
1.5 |
% |
|
|
0.8 |
% |
|
|
(0.2 |
)% |
|
|
(1.1 |
)% |
|
|
(0.9 |
)% |
|
|
0.6 |
% |
|
|
3.4 |
% |
|
|
6.0 |
% |
|
|
|
2.1 |
% |
|
|
(1.1 |
)% |
|
|
6.0 |
% |
總計(1) |
|
|
1.1 |
% |
|
|
0.4 |
% |
|
|
(0.9 |
)% |
|
|
(1.9 |
)% |
|
|
(1.8 |
)% |
|
|
(0.1 |
)% |
|
|
3.1 |
% |
|
|
6.1 |
% |
|
|
|
1.8 |
% |
|
|
(1.9 |
)% |
|
|
6.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)相關指標不包括其他個人線路。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
10
漢諾威保險集團 |
非公認會計準則財務衡量標準 |
|
|
漢諾威使用非GAAP財務衡量標準作為公司經營業績的重要衡量標準,我們認為這為投資者提供了有關管理層對我們經營業績和財務業績的評估的更多信息。該公司的非GAAP衡量標準包括扣除利息支出和所得税前的營業收入、税後營業收入總額,以及不包括巨災損失的營業收入和虧損以及綜合比率(這裏討論的巨災損失以及所有其他衡量標準中包括巨災損失發展)和儲備發展。 |
|
扣除利息支出和所得税前的營業收入為淨收益(虧損),不包括債務利息支出、所得税和淨已實現和未實現投資損益,其中包括仍持有的股權證券的公允價值變化,因為這些損益的波動由利率、金融市場和出售時機決定。扣除利息支出和所得税前的營業收入也不包括處置業務、非持續經營、重組成本、會計變化的累積影響和某些其他項目的淨收益和虧損。扣除利息支出和所得税前的營業收入是來自核心商業、專業、個人和其他業務的營業收入(虧損)的總和。漢諾威認為,扣除利息、費用和所得税前的營業收入為投資者提供了衡量公司持續業務表現的寶貴指標,因為它們突出了業務核心業務的淨收益(虧損)。 |
|
漢諾威還提供了不包括巨災損失影響的營業收入(虧損)和損失率的衡量標準。災難是由自然或人為事件造成的嚴重損失,除其他外,包括颶風、龍捲風和其他風暴、地震、冰雹、嚴寒天氣、火災、爆炸和恐怖主義。每一場災難都有其獨特的特點。災難發生的時間或損失數額是不可預知的。漢諾威認為,提供排除災難影響的某些財務指標和趨勢,對於投資者瞭解定期收益和虧損比率的可變性具有重要意義。 |
|
上一年的儲量發展可能有利也可能不利,這代表着我們對支付前幾年索賠成本的估計發生了變化。我們認為,討論不包括上一年準備金發展的營業收入(虧損)對投資者是有幫助的,因為它提供了對我們對本年度意外結果的估計和對上一年準備金估計的變化的洞察。 |
11
漢諾威保險集團 |
||||||||||||||
保費相關指標定義 |
||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
續訂價格變動 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
核心商業和專業:表示由基本利率變化、酌情定價、特定通脹變化或保單水平敞口或保險風險變化的估計淨影響導致的續保保單保費的平均變化。 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
個人額度:代表在續期時收取的保單保費的平均變化,由申報、費率通脹調整或保單級別敞口或投保風險的其他變化造成的淨影響。實際書面價格變化可能有所不同,因為並非所有保單都被保留。 |
|||||||||||||
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
費率 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
核心商業和專業:表示因基本利率變化、酌情定價和通貨膨脹而導致的續訂保單保費的平均變化,不包括保單級別敞口或保險風險變化的影響。 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
個人行:表示續訂時應用於保單的已批准費率活動的估計累計保費效果。實際的書面利率變化可能會有所不同,因為並非所有保單都會被保留。個人保險費率的變化不包括通貨膨脹或保單級別風險敞口或保險風險的變化。 |
|||||||||||||
|
|
|
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|
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|
|
|
|
|
|
留着 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
核心商業及專業保費:表示所註明期間的淨留存保費與同期可續期保費的比率。 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
● |
個人行:表示所記錄期間的淨保留保單與同期可續訂的保單的比率,包括已取消和重寫的保單。 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
生效策略(PIF)更改 |
|||||||||||||
● |
表示在給定期間結束時有效的保單數量與上一年同一期間結束時相比的變化。 |
12