展品99.2
財政補助金
2022年第一季度
漢諾威保險集團 |
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財政補助金 |
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目錄 |
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Segment Descriptions.................................................................................................... |
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Financial Highlights........................................................................................................ |
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合併財務報表 |
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Income Statements.................................................................................................... |
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Balance Sheets.......................................................................................................... |
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税前經營業績及相關指標 |
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Consolidated.............................................................................................................. |
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Core Commercial....................................................................................................... |
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Specialty.................................................................................................................... |
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Personal Lines........................................................................................................... |
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投資 |
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Net Investment Income and Yields............................................................................ |
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Investment Portfolio................................................................................................... |
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Credit Quality and Duration of Fixed Maturities......................................................... |
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前25名企業和市政固定到期日Holdings......................................... |
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營業收入與淨Income...................................................的對賬 |
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其他信息 |
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Non-GAAP Financial Measures............................................................................... |
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Premium Related Metric Definitions......................................................................... |
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Corporate Information............................................................................................... |
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Market and Dividend Information.............................................................................. |
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Financial Strength and Debt Ratings........................................................................ |
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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 |
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主要業務範圍 |
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小型商業 |
承保對象為年保費在50,000美元或以下的小型企業; 產品根據需要為特定的行業細分而量身定做。 |
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●企業主的政策/商業多重風險 ●商用車 ●工人補償 ●其他(一般責任、商業保護傘、單線 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。 |
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●商業多重危險 ●商用車 ●工人補償 ●其他(一般責任、商業保護傘、單線 財產) |
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專業 |
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子細分市場 |
客户和業務類型 |
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主要業務範圍 |
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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、疏忽或惡意行為、僱傭行為的影響。 |
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●專業人員責任 ●管理責任 ●忠誠度與犯罪 ●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 |
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●商業多重危險 ●商用車 ●工人補償 ●其他(一般責任、商業保護傘、單線 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。 |
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●內陸/海洋 ●通過海運代理編寫的輔助業務線 |
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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。 |
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●債券 |
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個人專線 |
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子細分市場 |
客户和業務類型 |
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主要業務範圍 |
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個人汽車 |
包括個人因人身傷害、第三人身體傷害、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 |
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●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。 |
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●房主 ●個人雨傘 ●內陸海洋(珠寶、藝術品等) ●其他(消防、私人船艇、其他雜物) |
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其他 |
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其他包括Opus,為關聯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;以及我們的附屬自願假設財產和傷亡池以及附屬的直接石棉和環境業務。 |
1
漢諾威保險集團 |
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金融亮點 |
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Q1 |
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Q2 |
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Q3 |
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Q4 |
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Q1 |
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(單位:百萬,不包括每股收益) |
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2021 |
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2021 |
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2021 |
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2021 |
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2022 |
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保費 |
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書面毛保費 |
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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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1,170.7 |
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$ |
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1,470.1 |
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淨保費已成交 |
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1,196.1 |
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1,207.2 |
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1,375.2 |
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1,214.9 |
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1,312.3 |
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賺取的淨保費 |
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1,161.8 |
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1,179.8 |
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1,186.0 |
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1,242.6 |
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1,263.8 |
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收益 |
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息税前營業收入 |
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$ |
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85.1 |
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$ |
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137.3 |
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47.0 |
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$ |
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162.9 |
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$ |
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154.4 |
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税後營業收入 |
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61.4 |
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104.0 |
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30.8 |
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122.1 |
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117.7 |
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持續經營收入 |
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92.8 |
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129.6 |
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34.8 |
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162.8 |
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105.3 |
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淨收入 |
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92.7 |
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128.5 |
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34.0 |
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163.5 |
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104.8 |
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每股數據(稀釋) |
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税後營業收入 |
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$ |
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1.66 |
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$ |
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2.85 |
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$ |
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0.85 |
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$ |
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3.38 |
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$ |
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3.26 |
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持續經營收入 |
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2.52 |
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3.55 |
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0.96 |
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4.51 |
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2.91 |
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淨收入 |
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2.51 |
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3.52 |
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0.94 |
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4.53 |
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2.90 |
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稀釋性加權平均流通股 |
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36.9 |
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36.5 |
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36.3 |
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36.1 |
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36.1 |
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基本加權平均流通股 |
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36.4 |
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35.9 |
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35.7 |
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35.5 |
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35.5 |
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資產負債表 |
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3月31日 |
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6月30日 |
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9月30日 |
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12月31日 |
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3月31日 |
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(單位:百萬,不包括每股數據) |
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2021 |
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2021 |
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2021 |
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2021 |
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2022 |
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總資產 |
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$ |
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13,448.0 |
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$ |
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13,728.1 |
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$ |
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14,105.3 |
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$ |
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14,254.3 |
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$ |
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13,847.2 |
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總虧損和虧損調整費用準備金 |
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6,223.7 |
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6,343.4 |
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6,540.1 |
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6,447.6 |
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6,512.2 |
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股東權益總額 |
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3,046.8 |
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3,154.0 |
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3,102.3 |
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3,144.9 |
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2,832.8 |
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股東權益總額,不包括未實現增值淨額 |
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(折舊)固定期限投資的税後淨額 |
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2,804.2 |
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2,849.3 |
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2,845.5 |
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2,960.0 |
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3,027.8 |
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財產和意外傷害公司 |
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法定盈餘 |
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$ |
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2,667.7 |
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$ |
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2,547.1 |
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$ |
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2,548.4 |
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$ |
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2,720.0 |
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$ |
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2,809.6 |
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溢價與盈餘比率 |
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1.75:1 |
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1.88:1 |
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1.92:1 |
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1.83:1 |
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1.82:1 |
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每股賬面價值 |
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$ |
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84.21 |
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$ |
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88.23 |
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$ |
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87.04 |
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$ |
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88.59 |
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$ |
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79.58 |
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每股賬面價值,不包括未實現的淨增值 |
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(折舊)固定期限投資的税後淨額 |
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$ |
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77.50 |
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$ |
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79.71 |
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$ |
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79.84 |
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$ |
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83.38 |
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$ |
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85.06 |
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每股有形賬面價值(不包括商譽的賬面總價值 |
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和無形資產) |
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$ |
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78.78 |
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$ |
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82.76 |
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$ |
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81.54 |
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$ |
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83.08 |
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$ |
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74.09 |
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
流通股 |
|
|
|
36.2 |
|
|
|
|
35.8 |
|
|
|
|
35.6 |
|
|
|
|
35.5 |
|
|
|
|
|
|
35.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
債務/權益總額 |
|
|
|
25.6 |
% |
|
|
|
24.8 |
% |
|
|
|
25.2 |
% |
|
|
|
24.8 |
% |
|
|
|
|
|
27.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總債務/總資本 |
|
|
|
20.4 |
% |
|
|
|
19.9 |
% |
|
|
|
20.1 |
% |
|
|
|
19.9 |
% |
|
|
|
|
|
21.6 |
% |
|
2
漢諾威保險集團 |
||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
合併損益表 |
||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至3月31日的三個月 |
|
|
||||||||||
(單位:百萬) |
|
|
2022 |
|
|
2021 |
|
|
更改百分比 |
|
|
|||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的保費 |
|
$ |
|
1,263.8 |
|
$ |
|
1,161.8 |
|
|
|
8.8 |
|
|
淨投資收益 |
|
|
|
76.9 |
|
|
|
76.8 |
|
|
|
0.1 |
|
|
已實現和未實現投資淨收益(虧損): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
銷售和其他業務的已實現淨收益(虧損) |
|
|
|
3.0 |
|
|
|
(1.6 |
) |
|
不適用 |
|
|
|
權益證券公允價值淨變動 |
|
|
|
(18.0 |
) |
|
|
39.1 |
|
|
不適用 |
|
|
|
投資減值損失 |
|
|
|
(0.9 |
) |
|
|
- |
|
|
不適用 |
|
|
|
已實現和未實現投資淨收益(虧損)合計 |
|
|
|
(15.9 |
) |
|
|
37.5 |
|
|
不適用 |
|
|
|
費用及其他收入 |
|
|
|
5.9 |
|
|
|
6.0 |
|
|
|
(1.7 |
) |
|
總收入 |
|
|
|
1,330.7 |
|
|
|
1,282.1 |
|
|
|
3.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和費用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損及虧損調整費用 |
|
|
|
787.5 |
|
|
|
781.3 |
|
|
|
0.8 |
|
|
遞延收購成本的攤銷 |
|
|
|
262.9 |
|
|
|
240.3 |
|
|
|
9.4 |
|
|
利息支出 |
|
|
|
8.5 |
|
|
|
8.5 |
|
|
- |
|
|
|
其他運營費用 |
|
|
|
141.8 |
|
|
|
137.9 |
|
|
|
2.8 |
|
|
總損失和費用 |
|
|
|
1,200.7 |
|
|
|
1,168.0 |
|
|
|
2.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前持續經營所得 |
|
|
|
130.0 |
|
|
|
114.1 |
|
|
|
13.9 |
|
|
所得税費用 |
|
|
|
24.7 |
|
|
|
21.3 |
|
|
|
16.0 |
|
|
持續經營收入 |
|
|
|
105.3 |
|
|
|
92.8 |
|
|
|
13.5 |
|
|
停產業務(税後淨額): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
終止壽險業務的虧損 |
|
|
|
(0.5 |
) |
|
|
(0.1 |
) |
|
不適用 |
|
|
|
淨收入 |
|
$ |
|
104.8 |
|
$ |
|
92.7 |
|
|
|
13.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3
漢諾威保險集團 |
|
|||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
合併資產負債表 |
|
|||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3月31日 |
|
|
12月31日 |
|
|
|
|
|
||
(單位:百萬,不包括每股數據) |
|
2022 |
|
|
2021 |
|
|
更改百分比 |
|
|||
資產 |
|
|
|
|
|
|
|
|
|
|
|
|
投資: |
|
|
|
|
|
|
|
|
|
|
|
|
按公允價值計算的固定到期日(攤餘費用分別為7644.8美元和7514.8美元) |
$ |
|
7,382.2 |
|
$ |
|
7,723.9 |
|
|
|
(4.4 |
) |
股權證券,按公允價值計算 |
|
|
607.0 |
|
|
|
661.3 |
|
|
|
(8.2 |
) |
其他投資 |
|
|
786.1 |
|
|
|
767.4 |
|
|
|
2.4 |
|
總投資 |
|
|
8,775.3 |
|
|
|
9,152.6 |
|
|
|
(4.1 |
) |
現金和現金等價物 |
|
|
272.0 |
|
|
|
230.9 |
|
|
|
17.8 |
|
應計投資收益 |
|
|
47.9 |
|
|
|
49.8 |
|
|
|
(3.8 |
) |
保費和應收賬款淨額 |
|
|
1,483.1 |
|
|
|
1,469.5 |
|
|
|
0.9 |
|
就已支付和未支付的損失以及未賺取的保費可追討的再保險 |
|
|
1,940.3 |
|
|
|
1,907.3 |
|
|
|
1.7 |
|
遞延收購成本 |
|
|
552.8 |
|
|
|
552.0 |
|
|
|
0.1 |
|
遞延所得税資產 |
|
|
43.4 |
|
|
|
- |
|
|
不適用 |
|
|
商譽 |
|
|
178.8 |
|
|
|
178.8 |
|
|
- |
|
|
其他資產 |
|
|
449.0 |
|
|
|
606.3 |
|
|
|
(25.9 |
) |
非持續經營業務的資產 |
|
|
104.6 |
|
|
|
107.1 |
|
|
|
(2.3 |
) |
總資產 |
$ |
|
13,847.2 |
|
$ |
|
14,254.3 |
|
|
|
(2.9 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
負債和股東權益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
負債 |
|
|
|
|
|
|
|
|
|
|
|
|
虧損及虧損調整費用準備金 |
$ |
|
6,512.2 |
|
$ |
|
6,447.6 |
|
|
|
1.0 |
|
未賺取的保費 |
|
|
2,760.4 |
|
|
|
2,734.9 |
|
|
|
0.9 |
|
應繳費用和税項 |
|
|
769.7 |
|
|
|
907.7 |
|
|
|
(15.2 |
) |
遞延所得税負債 |
|
|
- |
|
|
|
60.8 |
|
|
不適用 |
|
|
應付再保險費 |
|
|
70.1 |
|
|
|
55.1 |
|
|
|
27.2 |
|
債務 |
|
|
781.8 |
|
|
|
781.6 |
|
|
|
- |
|
停業業務的負債 |
|
|
120.2 |
|
|
|
121.7 |
|
|
|
(1.2 |
) |
總負債 |
|
|
11,014.4 |
|
|
|
11,109.4 |
|
|
|
(0.9 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
股東權益 |
|
|
|
|
|
|
|
|
|
|
|
|
優先股,每股面值0.01美元; |
|
|
|
|
|
|
|
|
|
|
|
|
授權發行2,000萬股;未發行 |
|
|
- |
|
|
|
- |
|
|
- |
|
|
普通股,每股面值$0.01;3.00億股 |
|
|
|
|
|
|
|
|
|
|
|
|
授權;已發行6050萬股 |
|
|
0.6 |
|
|
|
0.6 |
|
|
- |
|
|
額外實收資本 |
|
|
1,887.8 |
|
|
|
1,887.2 |
|
|
|
- |
|
累計其他綜合收益(虧損) |
|
|
(256.6 |
) |
|
|
122.2 |
|
|
不適用 |
|
|
留存收益 |
|
|
3,061.0 |
|
|
|
2,983.2 |
|
|
|
2.6 |
|
按成本計算的庫存股(2,490萬股和2,500萬股) |
|
|
(1,860.0 |
) |
|
|
(1,848.3 |
) |
|
|
0.6 |
|
股東權益總額 |
|
|
2,832.8 |
|
|
|
3,144.9 |
|
|
|
(9.9 |
) |
總負債和股東權益 |
$ |
|
13,847.2 |
|
$ |
|
14,254.3 |
|
|
|
(2.9 |
) |
4
漢諾威保險集團 |
|
|||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承保和營業收入信息及比率 |
|
|||||||||||||||||||||||||||||||||||||||||
已整合 |
|
|||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至3月31日的三個月 |
|
|||||||||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2022 |
|
|
|
2021 |
|
||||||||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
堆芯 |
|
|
|
|
|
|
個人 |
|
|
|
|
|
|
|
|
|
|
|
堆芯 |
|
|
|
|
|
|
個人 |
|
|
|
|
|
|
|
|
|
||||
(單位:百萬,百分比數據除外) |
|
|
商業廣告 |
|
|
專業 |
|
|
線條 |
|
|
其他 |
|
|
總計 |
|
|
|
商業廣告 |
|
|
專業 |
|
|
線條 |
|
|
其他 |
|
|
總計 |
|
||||||||||
書面毛保費 |
|
$ |
|
591.9 |
|
$ |
|
379.1 |
|
$ |
|
499.1 |
|
$ |
|
- |
|
$ |
|
1,470.1 |
|
|
$ |
|
539.9 |
|
$ |
|
344.1 |
|
$ |
|
453.6 |
|
$ |
|
- |
|
$ |
|
1,337.6 |
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費已成交 |
|
$ |
|
526.6 |
|
$ |
|
302.8 |
|
$ |
|
482.9 |
|
$ |
|
- |
|
$ |
|
1,312.3 |
|
|
$ |
|
480.6 |
|
$ |
|
276.8 |
|
$ |
|
438.7 |
|
$ |
|
- |
|
$ |
|
1,196.1 |
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
|
$ |
|
474.7 |
|
$ |
|
283.8 |
|
$ |
|
505.3 |
|
$ |
|
- |
|
$ |
|
1,263.8 |
|
|
$ |
|
435.2 |
|
$ |
|
257.7 |
|
$ |
|
468.9 |
|
$ |
|
- |
|
$ |
|
1,161.8 |
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
|
272.6 |
|
|
|
154.0 |
|
|
|
321.4 |
|
|
|
- |
|
|
|
748.0 |
|
|
|
|
250.6 |
|
|
|
138.3 |
|
|
|
267.3 |
|
|
|
- |
|
|
|
656.2 |
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
|
(6.4 |
) |
|
|
(13.2 |
) |
|
|
13.6 |
|
|
|
- |
|
|
|
(6.0 |
) |
|
|
|
(2.7 |
) |
|
|
(0.6 |
) |
|
|
(5.2 |
) |
|
|
0.3 |
|
|
|
(8.2 |
) |
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
|
19.7 |
|
|
|
7.6 |
|
|
|
18.2 |
|
|
|
- |
|
|
|
45.5 |
|
|
|
|
94.5 |
|
|
|
24.3 |
|
|
|
14.5 |
|
|
|
- |
|
|
|
133.3 |
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
(0.1 |
) |
|
|
0.1 |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
|
285.9 |
|
|
|
148.4 |
|
|
|
353.2 |
|
|
|
- |
|
|
|
787.5 |
|
|
|
|
342.3 |
|
|
|
162.1 |
|
|
|
276.6 |
|
|
|
0.3 |
|
|
|
781.3 |
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
156.6 |
|
|
|
101.5 |
|
|
|
139.8 |
|
|
|
- |
|
|
|
397.9 |
|
|
|
|
144.2 |
|
|
|
93.6 |
|
|
|
133.4 |
|
|
|
- |
|
|
|
371.2 |
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
|
32.2 |
|
|
|
33.9 |
|
|
|
12.3 |
|
|
|
- |
|
|
|
78.4 |
|
|
|
|
(51.3 |
) |
|
|
2.0 |
|
|
|
58.9 |
|
|
|
(0.3 |
) |
|
|
9.3 |
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
|
35.4 |
|
|
|
16.2 |
|
|
|
22.6 |
|
|
|
2.7 |
|
|
|
76.9 |
|
|
|
|
36.9 |
|
|
|
14.9 |
|
|
|
22.1 |
|
|
|
2.9 |
|
|
|
76.8 |
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
1.0 |
|
|
|
1.3 |
|
|
|
2.8 |
|
|
|
0.8 |
|
|
|
5.9 |
|
|
|
|
0.8 |
|
|
|
1.6 |
|
|
|
2.3 |
|
|
|
1.3 |
|
|
|
6.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
|
(1.1 |
) |
|
|
(1.4 |
) |
|
|
(1.4 |
) |
|
|
(2.9 |
) |
|
|
(6.8 |
) |
|
|
|
(1.2 |
) |
|
|
(1.5 |
) |
|
|
(1.5 |
) |
|
|
(2.8 |
) |
|
|
(7.0 |
) |
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入(虧損) |
|
$ |
|
67.5 |
|
$ |
|
50.0 |
|
$ |
|
36.3 |
|
$ |
|
0.6 |
|
$ |
|
154.4 |
|
|
$ |
|
(14.8 |
) |
$ |
|
17.0 |
|
$ |
|
81.8 |
|
$ |
|
1.1 |
|
$ |
|
85.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
|
57.4 |
% |
|
|
54.3 |
% |
|
|
63.6 |
% |
|
不適用 |
|
|
|
59.2 |
% |
|
|
|
57.6 |
% |
|
|
53.6 |
% |
|
|
57.0 |
% |
|
不適用 |
|
|
|
56.4 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
|
(1.3 |
)% |
|
|
(4.7 |
)% |
|
|
2.7 |
% |
|
不適用 |
|
|
|
(0.5 |
)% |
|
|
|
(0.6 |
)% |
|
|
(0.2 |
)% |
|
|
(1.1 |
)% |
|
不適用 |
|
|
|
(0.7 |
)% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
|
4.1 |
% |
|
|
2.7 |
% |
|
|
3.6 |
% |
|
不適用 |
|
|
|
3.6 |
% |
|
|
|
21.7 |
% |
|
|
9.5 |
% |
|
|
3.1 |
% |
|
不適用 |
|
|
|
11.5 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
上一年巨災發展 |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
不適用 |
|
|
|
- |
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
不適用 |
|
|
|
- |
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總損耗和LAE比率 |
|
|
|
60.2 |
% |
|
|
52.3 |
% |
|
|
69.9 |
% |
|
不適用 |
|
|
|
62.3 |
% |
|
|
|
78.7 |
% |
|
|
62.9 |
% |
|
|
59.0 |
% |
|
不適用 |
|
|
|
67.2 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
32.8 |
% |
|
|
35.4 |
% |
|
|
27.2 |
% |
|
不適用 |
|
|
|
31.1 |
% |
|
|
|
33.0 |
% |
|
|
35.9 |
% |
|
|
28.0 |
% |
|
不適用 |
|
|
|
31.6 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率 |
|
|
|
93.0 |
% |
|
|
87.7 |
% |
|
|
97.1 |
% |
|
不適用 |
|
|
|
93.4 |
% |
|
|
|
111.7 |
% |
|
|
98.8 |
% |
|
|
87.0 |
% |
|
不適用 |
|
|
|
98.8 |
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
5
漢諾威保險集團 |
|
||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承保信息及相關比率 |
|
||||||||||||||||||||
已整合 |
|
||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
Q4 |
|
|
Q1 |
|
|||||
(單位:百萬,百分比數據除外) |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2022 |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面毛保費 |
|
$ |
|
1,337.6 |
|
$ |
|
1,342.8 |
|
$ |
|
1,493.2 |
|
$ |
|
1,170.7 |
|
$ |
|
1,470.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費已成交 |
|
$ |
|
1,196.1 |
|
$ |
|
1,207.2 |
|
$ |
|
1,375.2 |
|
$ |
|
1,214.9 |
|
$ |
|
1,312.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
|
$ |
|
1,161.8 |
|
$ |
|
1,179.8 |
|
$ |
|
1,186.0 |
|
$ |
|
1,242.6 |
|
$ |
|
1,263.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
|
656.2 |
|
|
|
680.9 |
|
|
|
711.4 |
|
|
|
739.2 |
|
|
|
748.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年發展良好,不包括巨災損失 |
|
|
|
(8.2 |
) |
|
|
(12.6 |
) |
|
|
(20.9 |
) |
|
|
(14.4 |
) |
|
|
(6.0 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
|
133.3 |
|
|
|
91.8 |
|
|
|
153.5 |
|
|
|
39.0 |
|
|
|
45.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨災發展 |
|
|
|
- |
|
|
|
(15.0 |
) |
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
|
781.3 |
|
|
|
745.1 |
|
|
|
844.0 |
|
|
|
763.8 |
|
|
|
787.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
371.2 |
|
|
|
371.7 |
|
|
|
372.9 |
|
|
|
394.2 |
|
|
|
397.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
|
9.3 |
|
|
|
63.0 |
|
|
|
(30.9 |
) |
|
|
84.6 |
|
|
|
78.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
|
76.8 |
|
|
|
75.6 |
|
|
|
78.8 |
|
|
|
79.5 |
|
|
|
76.9 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
其他收入 |
|
|
|
6.0 |
|
|
|
5.8 |
|
|
|
6.1 |
|
|
|
6.0 |
|
|
|
5.9 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
其他運營費用 |
|
|
|
(7.0 |
) |
|
|
(7.1 |
) |
|
|
(7.0 |
) |
|
|
(7.2 |
) |
|
|
(6.8 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入 |
|
$ |
|
85.1 |
|
$ |
|
137.3 |
|
$ |
|
47.0 |
|
$ |
|
162.9 |
|
$ |
|
154.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
|
56.4 |
% |
|
|
57.8 |
% |
|
|
60.1 |
% |
|
|
59.6 |
% |
|
|
59.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年發展良好,不包括巨災損失 |
|
|
|
(0.7 |
)% |
|
|
(1.1 |
)% |
|
|
(1.8 |
)% |
|
|
(1.2 |
)% |
|
|
(0.5 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
|
11.5 |
% |
|
|
7.8 |
% |
|
|
12.9 |
% |
|
|
3.1 |
% |
|
|
3.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨災發展 |
|
|
|
- |
|
|
|
(1.3 |
)% |
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總損耗和LAE比率 |
|
|
|
67.2 |
% |
|
|
63.2 |
% |
|
|
71.2 |
% |
|
|
61.5 |
% |
|
|
62.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
31.6 |
% |
|
|
31.2 |
% |
|
|
31.1 |
% |
|
|
31.4 |
% |
|
|
31.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率 |
|
|
|
98.8 |
% |
|
|
94.4 |
% |
|
|
102.3 |
% |
|
|
92.9 |
% |
|
|
93.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率,不包括巨災損失 |
|
|
|
87.3 |
% |
|
|
87.9 |
% |
|
|
89.4 |
% |
|
|
89.8 |
% |
|
|
89.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年綜合比率,不包括巨災損失 |
|
|
|
88.0 |
% |
|
|
89.0 |
% |
|
|
91.2 |
% |
|
|
91.0 |
% |
|
|
90.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
6
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 |
|
|||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
Q4 |
|
|
Q1 |
|
|||||
(單位:百萬,百分比數據除外) |
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2022 |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面毛保費 |
$ |
|
539.9 |
|
$ |
|
473.6 |
|
$ |
|
601.1 |
|
$ |
|
484.9 |
|
$ |
|
591.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費已成交 |
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
$ |
|
526.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
$ |
|
435.2 |
|
$ |
|
447.6 |
|
$ |
|
459.7 |
|
$ |
|
468.4 |
|
$ |
|
474.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
250.6 |
|
|
|
258.2 |
|
|
|
281.7 |
|
|
|
271.9 |
|
|
|
272.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年發展良好,不包括巨災損失 |
|
|
(2.7 |
) |
|
|
(4.6 |
) |
|
|
(3.3 |
) |
|
|
(7.2 |
) |
|
|
(6.4 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
94.5 |
|
|
|
22.5 |
|
|
|
57.3 |
|
|
|
10.9 |
|
|
|
19.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨災發展 |
|
|
(0.1 |
) |
|
|
(8.7 |
) |
|
|
(0.9 |
) |
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
342.3 |
|
|
|
267.4 |
|
|
|
334.8 |
|
|
|
275.6 |
|
|
|
285.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
144.2 |
|
|
|
145.1 |
|
|
|
150.6 |
|
|
|
158.4 |
|
|
|
156.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
(51.3 |
) |
|
|
35.1 |
|
|
|
(25.7 |
) |
|
|
34.4 |
|
|
|
32.2 |
|
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
淨投資收益 |
|
|
36.9 |
|
|
|
35.0 |
|
|
|
37.0 |
|
|
|
37.6 |
|
|
|
35.4 |
|
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
其他收入 |
|
|
0.8 |
|
|
|
0.8 |
|
|
|
0.9 |
|
|
|
0.8 |
|
|
|
1.0 |
|
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
其他運營費用 |
|
|
(1.2 |
) |
|
|
(1.0 |
) |
|
|
(1.2 |
) |
|
|
(0.9 |
) |
|
|
(1.1 |
) |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
所得税前營業收入(虧損) |
$ |
|
(14.8 |
) |
$ |
|
69.9 |
|
$ |
|
11.0 |
|
$ |
|
71.9 |
|
$ |
|
67.5 |
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
57.6 |
% |
|
|
57.6 |
% |
|
|
61.2 |
% |
|
|
58.0 |
% |
|
|
57.4 |
% |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
上年發展良好,不包括巨災損失 |
|
|
(0.6 |
)% |
|
|
(1.0 |
)% |
|
|
(0.7 |
)% |
|
|
(1.5 |
)% |
|
|
(1.3 |
)% |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
當年巨災損失 |
|
|
21.7 |
% |
|
|
5.0 |
% |
|
|
12.5 |
% |
|
|
2.3 |
% |
|
|
4.1 |
% |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
上年有利的巨災發展 |
|
|
- |
|
|
|
(1.9 |
)% |
|
|
(0.2 |
)% |
|
|
- |
|
|
|
- |
|
總損耗和LAE比率 |
|
|
78.7 |
% |
|
|
59.7 |
% |
|
|
72.8 |
% |
|
|
58.8 |
% |
|
|
60.2 |
% |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
費用比率 |
|
|
33.0 |
% |
|
|
32.2 |
% |
|
|
32.6 |
% |
|
|
33.6 |
% |
|
|
32.8 |
% |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
綜合比率 |
|
|
111.7 |
% |
|
|
91.9 |
% |
|
|
105.4 |
% |
|
|
92.4 |
% |
|
|
93.0 |
% |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
綜合比率,不包括巨災損失 |
|
|
90.0 |
% |
|
|
88.8 |
% |
|
|
93.1 |
% |
|
|
90.1 |
% |
|
|
88.9 |
% |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
綜合比率,不包括巨災損失和上年發展 |
|
|
90.6 |
% |
|
|
89.8 |
% |
|
|
93.8 |
% |
|
|
91.6 |
% |
|
|
90.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
7
漢諾威保險集團 |
|
|||||||||||||||||||
書面保費和相關指標 |
|
|||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
核心商業廣告 |
|
|||||||||||||||||||
|
|
|||||||||||||||||||
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
Q4 |
|
|
Q1 |
|
|||||
(單位:百萬,百分比數據除外) |
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2022 |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
毛收入 |
$ |
|
539.9 |
|
$ |
|
473.6 |
|
$ |
|
601.1 |
|
$ |
|
484.9 |
|
$ |
|
591.9 |
|
割讓 |
|
|
(59.3 |
) |
|
|
(51.9 |
) |
|
|
(66.5 |
) |
|
|
(57.0 |
) |
|
|
(65.3 |
) |
網絡 |
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
$ |
|
526.6 |
|
生長 |
|
|
4.3 |
% |
|
|
11.4 |
% |
|
|
9.9 |
% |
|
|
6.8 |
% |
|
|
9.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按分部列出的淨保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
小型商業 |
$ |
|
257.1 |
|
$ |
|
246.8 |
|
$ |
|
256.3 |
|
$ |
|
243.2 |
|
$ |
|
283.7 |
|
中端市場 |
|
|
223.5 |
|
|
|
174.9 |
|
|
|
278.3 |
|
|
|
184.7 |
|
|
|
242.9 |
|
總計 |
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
$ |
|
526.6 |
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
按業務類別劃分的淨保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
商業多重危險 |
$ |
|
237.2 |
|
$ |
|
219.0 |
|
$ |
|
284.2 |
|
$ |
|
217.3 |
|
$ |
|
256.0 |
|
商用汽車 |
|
|
90.0 |
|
|
|
80.6 |
|
|
|
92.9 |
|
|
|
77.3 |
|
|
|
96.1 |
|
工傷賠償 |
|
|
95.7 |
|
|
|
76.6 |
|
|
|
92.7 |
|
|
|
84.3 |
|
|
|
113.0 |
|
其他核心商業 |
|
|
57.7 |
|
|
|
45.5 |
|
|
|
64.8 |
|
|
|
49.0 |
|
|
|
61.5 |
|
總計 |
$ |
|
480.6 |
|
$ |
|
421.7 |
|
$ |
|
534.6 |
|
$ |
|
427.9 |
|
$ |
|
526.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
相關指標 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
保費留存 |
|
|
87.3 |
% |
|
|
84.9 |
% |
|
|
87.8 |
% |
|
|
86.7 |
% |
|
|
86.2 |
% |
續訂價格變動 |
|
|
6.3 |
% |
|
|
9.3 |
% |
|
|
9.4 |
% |
|
|
9.5 |
% |
|
|
9.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
8
漢諾威保險集團 |
|
|||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承保和營業收入信息及比率 |
|
|||||||||||||||||||
專業 |
|
|||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
Q4 |
|
|
Q1 |
|
|||||
(單位:百萬,百分比數據除外) |
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2022 |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面毛保費 |
$ |
|
344.1 |
|
$ |
|
332.1 |
|
$ |
|
327.2 |
|
$ |
|
346.0 |
|
$ |
|
379.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費已成交 |
$ |
|
276.8 |
|
$ |
|
265.1 |
|
$ |
|
292.2 |
|
$ |
|
284.8 |
|
$ |
|
302.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
$ |
|
257.7 |
|
$ |
|
255.8 |
|
$ |
|
238.9 |
|
$ |
|
277.5 |
|
$ |
|
283.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
138.3 |
|
|
|
145.7 |
|
|
|
125.8 |
|
|
|
145.7 |
|
|
|
154.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年發展良好,不包括巨災損失 |
|
|
(0.6 |
) |
|
|
(3.3 |
) |
|
|
(8.1 |
) |
|
|
(4.2 |
) |
|
|
(13.2 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
24.3 |
|
|
|
7.7 |
|
|
|
17.5 |
|
|
|
4.6 |
|
|
|
7.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
0.1 |
|
|
|
(3.3 |
) |
|
|
0.9 |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
162.1 |
|
|
|
146.8 |
|
|
|
136.1 |
|
|
|
146.1 |
|
|
|
148.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
93.6 |
|
|
|
90.3 |
|
|
|
87.3 |
|
|
|
98.2 |
|
|
|
101.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承銷利潤 |
|
|
2.0 |
|
|
|
18.7 |
|
|
|
15.5 |
|
|
|
33.2 |
|
|
|
33.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
14.9 |
|
|
|
16.0 |
|
|
|
15.9 |
|
|
|
16.1 |
|
|
|
16.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
1.6 |
|
|
|
1.7 |
|
|
|
1.6 |
|
|
|
1.5 |
|
|
|
1.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
(1.5 |
) |
|
|
(1.9 |
) |
|
|
(1.6 |
) |
|
|
(1.8 |
) |
|
|
(1.4 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入 |
$ |
|
17.0 |
|
$ |
|
34.5 |
|
$ |
|
31.4 |
|
$ |
|
49.0 |
|
$ |
|
50.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
53.6 |
% |
|
|
57.0 |
% |
|
|
52.7 |
% |
|
|
52.4 |
% |
|
|
54.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年發展良好,不包括巨災損失 |
|
|
(0.2 |
)% |
|
|
(1.3 |
)% |
|
|
(3.4 |
)% |
|
|
(1.5 |
)% |
|
|
(4.7 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
9.5 |
% |
|
|
3.0 |
% |
|
|
7.3 |
% |
|
|
1.7 |
% |
|
|
2.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
- |
|
|
|
(1.3 |
)% |
|
|
0.4 |
% |
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總損耗和LAE比率 |
|
|
62.9 |
% |
|
|
57.4 |
% |
|
|
57.0 |
% |
|
|
52.6 |
% |
|
|
52.3 |
% |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
費用比率 |
|
|
35.9 |
% |
|
|
34.9 |
% |
|
|
36.2 |
% |
|
|
35.1 |
% |
|
|
35.4 |
% |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
綜合比率 |
|
|
98.8 |
% |
|
|
92.3 |
% |
|
|
93.2 |
% |
|
|
87.7 |
% |
|
|
87.7 |
% |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
綜合比率,不包括巨災損失 |
|
|
89.3 |
% |
|
|
90.6 |
% |
|
|
85.5 |
% |
|
|
86.0 |
% |
|
|
85.0 |
% |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
綜合比率,不包括巨災損失和上年發展 |
|
|
89.5 |
% |
|
|
91.9 |
% |
|
|
88.9 |
% |
|
|
87.5 |
% |
|
|
89.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
9
漢諾威保險集團 |
|
||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面保費和相關指標 |
|
||||||||||||||||||||
專業 |
|
||||||||||||||||||||
|
|
||||||||||||||||||||
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
Q4 |
|
|
|
Q1 |
|
|||||
(單位:百萬,百分比數據除外) |
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
|
2022 |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
毛收入 |
$ |
|
344.1 |
|
$ |
|
332.1 |
|
$ |
|
327.2 |
|
$ |
|
346.0 |
|
|
$ |
|
379.1 |
|
割讓 |
|
|
(67.3 |
) |
|
|
(67.0 |
) |
|
|
(35.0 |
) |
|
|
(61.2 |
) |
|
|
|
(76.3 |
) |
網絡 |
$ |
|
276.8 |
|
$ |
|
265.1 |
|
$ |
|
292.2 |
|
$ |
|
284.8 |
|
|
$ |
|
302.8 |
|
生長 |
|
|
12.1 |
% |
|
|
12.2 |
% |
|
|
6.6 |
% |
|
|
14.1 |
% |
|
|
|
9.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按分部列出的淨保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
專業線和執行線 |
$ |
|
94.4 |
|
$ |
|
81.3 |
|
$ |
|
98.0 |
|
$ |
|
93.3 |
|
|
$ |
|
111.0 |
|
特殊財產和意外傷害 |
|
|
79.3 |
|
|
|
79.8 |
|
|
|
87.1 |
|
|
|
101.4 |
|
|
|
|
90.4 |
|
海軍陸戰隊 |
|
|
91.1 |
|
|
|
86.6 |
|
|
|
90.4 |
|
|
|
77.1 |
|
|
|
|
84.3 |
|
擔保人及其他 |
|
|
12.0 |
|
|
|
17.4 |
|
|
|
16.7 |
|
|
|
13.0 |
|
|
|
|
17.1 |
|
總計 |
$ |
|
276.8 |
|
$ |
|
265.1 |
|
$ |
|
292.2 |
|
$ |
|
284.8 |
|
|
$ |
|
302.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
相關指標 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
保費留存 |
|
|
82.3 |
% |
|
|
83.1 |
% |
|
|
85.5 |
% |
|
|
84.8 |
% |
|
|
|
84.2 |
% |
續訂價格變動 |
|
|
8.7 |
% |
|
|
11.3 |
% |
|
|
10.8 |
% |
|
|
12.7 |
% |
|
|
|
12.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
10
漢諾威保險集團 |
|
||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承保和營業收入信息及比率 |
|
||||||||||||||||||||||||
個人專線 |
|
||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至3月31日的三個月 |
|
||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
2022 |
|
|
2021 |
|
||||||||||||||||||||
(單位:百萬,百分比數據除外) |
|
自動 |
|
|
家和其他 |
|
|
總計 |
|
|
|
自動 |
|
|
家和其他 |
|
|
總計 |
|
||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費已成交 |
$ |
|
298.4 |
|
$ |
|
184.5 |
|
$ |
|
482.9 |
|
|
$ |
|
280.7 |
|
$ |
|
158.0 |
|
$ |
|
438.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
$ |
|
307.7 |
|
$ |
|
197.6 |
|
$ |
|
505.3 |
|
|
$ |
|
291.1 |
|
$ |
|
177.8 |
|
$ |
|
468.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
216.5 |
|
|
|
104.9 |
|
|
|
321.4 |
|
|
|
|
174.7 |
|
|
|
92.6 |
|
|
|
267.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
(0.2 |
) |
|
|
13.8 |
|
|
|
13.6 |
|
|
|
|
(5.3 |
) |
|
|
0.1 |
|
|
|
(5.2 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
0.4 |
|
|
|
17.8 |
|
|
|
18.2 |
|
|
|
|
0.6 |
|
|
|
13.9 |
|
|
|
14.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
(0.4 |
) |
|
|
0.4 |
|
|
|
- |
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
|
216.3 |
|
|
|
136.9 |
|
|
|
353.2 |
|
|
|
|
170.0 |
|
|
|
106.6 |
|
|
|
276.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
|
|
|
|
|
|
|
139.8 |
|
|
|
|
|
|
|
|
|
|
|
|
133.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承銷利潤 |
|
|
|
|
|
|
|
|
|
|
12.3 |
|
|
|
|
|
|
|
|
|
|
|
|
58.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
|
|
|
|
|
|
|
|
22.6 |
|
|
|
|
|
|
|
|
|
|
|
|
22.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
|
|
|
|
|
2.8 |
|
|
|
|
|
|
|
|
|
|
|
|
2.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
|
|
|
|
|
|
|
|
(1.4 |
) |
|
|
|
|
|
|
|
|
|
|
|
(1.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入 |
|
|
|
|
|
|
|
|
$ |
|
36.3 |
|
|
|
|
|
|
|
|
|
|
$ |
|
81.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
70.4 |
% |
|
|
53.1 |
% |
|
|
63.6 |
% |
|
|
|
60.0 |
% |
|
|
52.1 |
% |
|
|
57.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
(0.1 |
)% |
|
|
7.0 |
% |
|
|
2.7 |
% |
|
|
|
(1.8 |
)% |
|
|
0.1 |
% |
|
|
(1.1 |
)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
0.1 |
% |
|
|
9.0 |
% |
|
|
3.6 |
% |
|
|
|
0.2 |
% |
|
|
7.8 |
% |
|
|
3.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
(0.1 |
)% |
|
|
0.2 |
% |
|
|
- |
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
總損耗和LAE比率 |
|
|
70.3 |
% |
|
|
69.3 |
% |
|
|
69.9 |
% |
|
|
|
58.4 |
% |
|
|
60.0 |
% |
|
|
59.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
|
|
|
|
|
|
|
27.2 |
% |
|
|
|
|
|
|
|
|
|
|
|
28.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率 |
|
|
|
|
|
|
|
|
|
|
97.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
87.0 |
% |
11
漢諾威保險集團 |
|
||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承保信息及相關比率 |
|
||||||||||||||||||||
個人專線 |
|
||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
Q4 |
|
|
Q1 |
|
|||||
(單位:百萬,百分比數據除外) |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2022 |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面毛保費 |
|
$ |
|
453.6 |
|
$ |
|
537.1 |
|
$ |
|
564.9 |
|
$ |
|
339.8 |
|
$ |
|
499.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費已成交 |
|
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
502.2 |
|
$ |
|
482.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
|
$ |
|
468.9 |
|
$ |
|
476.4 |
|
$ |
|
487.4 |
|
$ |
|
496.7 |
|
$ |
|
505.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
|
267.3 |
|
|
|
277.0 |
|
|
|
303.9 |
|
|
|
321.6 |
|
|
|
321.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
|
(5.2 |
) |
|
|
(5.0 |
) |
|
|
(9.9 |
) |
|
|
(3.0 |
) |
|
|
13.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
|
14.5 |
|
|
|
61.6 |
|
|
|
78.7 |
|
|
|
23.5 |
|
|
|
18.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨災發展 |
|
|
|
- |
|
|
|
(3.0 |
) |
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
總虧損和LAE |
|
|
|
276.6 |
|
|
|
330.6 |
|
|
|
372.7 |
|
|
|
342.1 |
|
|
|
353.2 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
133.4 |
|
|
|
136.3 |
|
|
|
135.0 |
|
|
|
137.6 |
|
|
|
139.8 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
|
58.9 |
|
|
|
9.5 |
|
|
|
(20.3 |
) |
|
|
17.0 |
|
|
|
12.3 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
淨投資收益 |
|
|
|
22.1 |
|
|
|
21.8 |
|
|
|
22.6 |
|
|
|
22.9 |
|
|
|
22.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
2.3 |
|
|
|
2.2 |
|
|
|
2.6 |
|
|
|
2.6 |
|
|
|
2.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
|
(1.5 |
) |
|
|
(1.3 |
) |
|
|
(1.3 |
) |
|
|
(1.6 |
) |
|
|
(1.4 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入 |
|
$ |
|
81.8 |
|
$ |
|
32.2 |
|
$ |
|
3.6 |
|
$ |
|
40.9 |
|
$ |
|
36.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
|
57.0 |
% |
|
|
58.1 |
% |
|
|
62.4 |
% |
|
|
64.8 |
% |
|
|
63.6 |
% |
|
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
不包括巨災損失的上一年不利(有利)發展 |
|
|
|
(1.1 |
)% |
|
|
(1.0 |
)% |
|
|
(2.0 |
)% |
|
|
(0.6 |
)% |
|
|
2.7 |
% |
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
當年巨災損失 |
|
|
|
3.1 |
% |
|
|
12.9 |
% |
|
|
16.1 |
% |
|
|
4.7 |
% |
|
|
3.6 |
% |
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
上年有利的巨災發展 |
|
|
|
- |
|
|
|
(0.6 |
)% |
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
總損耗和LAE比率 |
|
|
|
59.0 |
% |
|
|
69.4 |
% |
|
|
76.5 |
% |
|
|
68.9 |
% |
|
|
69.9 |
% |
|
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
費用比率 |
|
|
|
28.0 |
% |
|
|
28.2 |
% |
|
|
27.3 |
% |
|
|
27.3 |
% |
|
|
27.2 |
% |
|
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
綜合比率 |
|
|
|
87.0 |
% |
|
|
97.6 |
% |
|
|
103.8 |
% |
|
|
96.2 |
% |
|
|
97.1 |
% |
|
|
|
0 |
|
|
0 |
|
|
0 |
|
|
0 |
|
|
|
|
|
||||
綜合比率,不包括巨災損失 |
|
|
|
83.9 |
% |
|
|
85.3 |
% |
|
|
87.7 |
% |
|
|
91.5 |
% |
|
|
93.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年綜合比率,不包括巨災損失 |
|
|
|
85.0 |
% |
|
|
86.3 |
% |
|
|
89.7 |
% |
|
|
92.1 |
% |
|
|
90.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
12
漢諾威保險集團 |
|
|
||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面保費和相關指標 |
|
|
||||||||||||||||||||
個人專線 |
|
|
||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q1 |
|
|
Q2 |
|
|
Q3 |
|
|
Q4 |
|
|
|
Q1 |
|
|
|||||
(單位:百萬,百分比數據除外) |
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
2021 |
|
|
|
2022 |
|
|
|||||
書面保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
毛收入 |
$ |
|
453.6 |
|
$ |
|
537.1 |
|
$ |
|
564.9 |
|
$ |
|
339.8 |
|
|
$ |
|
499.1 |
|
|
割讓 |
|
|
(14.9 |
) |
|
|
(16.7 |
) |
|
|
(16.5 |
) |
|
|
162.4 |
|
|
|
|
(16.2 |
) |
|
網絡 |
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
502.2 |
|
|
$ |
|
482.9 |
|
|
生長 |
|
|
2.2 |
% |
|
|
11.6 |
% |
|
|
8.0 |
% |
|
|
8.7 |
% |
|
|
|
10.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按業務類別劃分的淨保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人汽車 |
$ |
|
280.7 |
|
$ |
|
318.6 |
|
$ |
|
330.8 |
|
$ |
|
300.3 |
|
|
$ |
|
298.4 |
|
|
房主和其他人 |
|
|
158.0 |
|
|
|
201.8 |
|
|
|
217.6 |
|
|
|
201.9 |
|
|
|
|
184.5 |
|
|
總計 |
$ |
|
438.7 |
|
$ |
|
520.4 |
|
$ |
|
548.4 |
|
$ |
|
502.2 |
|
|
$ |
|
482.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
相關指標 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
續訂價格變動 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人汽車 |
|
|
4.2 |
% |
|
|
3.5 |
% |
|
|
1.5 |
% |
|
|
1.2 |
% |
|
|
|
2.4 |
% |
|
房主 |
|
|
6.2 |
% |
|
|
5.7 |
% |
|
|
5.9 |
% |
|
|
6.9 |
% |
|
|
|
7.7 |
% |
|
總計(1) |
|
|
4.9 |
% |
|
|
4.4 |
% |
|
|
3.2 |
% |
|
|
3.4 |
% |
|
|
|
4.3 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
保單保留 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人汽車 |
|
|
84.0 |
% |
|
|
85.8 |
% |
|
|
88.0 |
% |
|
|
88.4 |
% |
|
|
|
88.5 |
% |
|
房主 |
|
|
84.2 |
% |
|
|
86.9 |
% |
|
|
89.3 |
% |
|
|
89.6 |
% |
|
|
|
89.2 |
% |
|
總計(1) |
|
|
84.1 |
% |
|
|
86.4 |
% |
|
|
88.6 |
% |
|
|
89.0 |
% |
|
|
|
88.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
PIF較上年同期的變化 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人汽車 |
|
|
(2.7 |
)% |
|
|
(0.9 |
)% |
|
|
2.7 |
% |
|
|
6.1 |
% |
|
|
|
8.0 |
% |
|
房主 |
|
|
(0.9 |
)% |
|
|
0.6 |
% |
|
|
3.4 |
% |
|
|
6.0 |
% |
|
|
|
7.5 |
% |
|
總計(1) |
|
|
(1.8 |
)% |
|
|
(0.1 |
)% |
|
|
3.1 |
% |
|
|
6.1 |
% |
|
|
|
7.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)相關指標不包括其他個人線路。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
13
漢諾威保險集團 |
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益和收益率 |
||||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q1 |
|
|
|
|
Q2 |
|
|
|
|
Q3 |
|
|
|
|
Q4 |
|
|
Q1 |
|
|
|||||
(單位:百萬,收益率除外) |
|
2021 |
|
|
|
|
2021 |
|
|
|
|
2021 |
|
|
|
|
2021 |
|
|
2022 |
|
|
||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限 |
|
$ |
54.5 |
|
|
|
|
$ |
53.9 |
|
|
|
|
$ |
54.2 |
|
|
|
|
$ |
54.3 |
|
|
$ |
55.8 |
|
|
|
有限合夥企業 |
|
|
15.1 |
|
|
|
|
|
15.5 |
|
|
|
|
|
18.9 |
|
|
|
|
|
18.7 |
|
|
|
15.2 |
|
|
|
按揭貸款 |
|
|
5.4 |
|
|
|
|
|
4.2 |
|
|
|
|
|
4.0 |
|
|
|
|
|
4.4 |
|
|
|
4.4 |
|
|
|
股權證券 |
|
|
3.8 |
|
|
|
|
|
3.8 |
|
|
|
|
|
3.7 |
|
|
|
|
|
4.3 |
|
|
|
3.6 |
|
|
|
其他投資 |
|
|
0.7 |
|
|
|
|
|
0.9 |
|
|
|
|
|
0.7 |
|
|
|
|
|
0.7 |
|
|
|
0.8 |
|
|
|
投資費用 |
|
|
(2.7 |
) |
|
|
|
|
(2.7 |
) |
|
|
|
|
(2.7 |
) |
|
|
|
|
(2.9 |
) |
|
|
(2.9 |
) |
|
總計 |
|
$ |
76.8 |
|
|
|
|
$ |
75.6 |
|
|
|
|
$ |
78.8 |
|
|
|
|
$ |
79.5 |
|
|
$ |
76.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
税前收益率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限 |
|
|
3.11 |
% |
|
|
|
|
3.02 |
% |
|
|
|
|
2.96 |
% |
|
|
|
|
2.90 |
% |
|
|
2.95 |
% |
|
|
總計 |
|
|
3.74 |
% |
|
|
|
|
3.65 |
% |
|
|
|
|
3.72 |
% |
|
|
|
|
3.69 |
% |
|
|
3.52 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
税前收益率是指該期間的年化淨投資收入除以按攤銷成本或成本計算的每月平均投資資產,其中不包括固定到期日和股權證券的公允價值累計變動。 |
14
|
漢諾威保險集團 |
|
|||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
投資組合 |
|
|||||||||||||||
|
March 31, 2022 |
|
|||||||||||||||
(單位:百萬) |
|
|
|
|
|
|
|||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
更改中 |
|
|
|
|
加權 |
攤銷 |
|
|
|
|
|
|
|
網絡 |
|
網絡 |
|
|||
|
|
平均值 |
成本 |
|
公允價值/ |
|
的百分比 |
|
未實現 |
|
未實現 |
|
|||||
投資類型 |
|
質量 |
或成本(1) |
|
進位價值 |
|
總計 |
|
得(損) |
|
黃大仙 |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
美國財政部和政府機構 |
AAA級 |
$ |
404.0 |
|
$ |
381.7 |
|
|
4.2 |
% |
$ |
(22.3 |
) |
$ |
(24.2 |
) |
|
外國政府 |
|
BBB+ |
|
2.2 |
|
|
2.3 |
|
|
- |
|
|
0.1 |
|
|
(0.3 |
) |
市政當局: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
應税 |
|
AA型 |
|
1,166.5 |
|
|
1,113.0 |
|
|
12.3 |
% |
|
(53.5 |
) |
|
(77.3 |
) |
免税 |
|
AA型 |
|
23.1 |
|
|
22.9 |
|
|
0.3 |
% |
|
(0.2 |
) |
|
(1.0 |
) |
公司: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
NAIC 1 |
|
A |
|
1,466.8 |
|
|
1,452.7 |
|
|
16.1 |
% |
|
(14.1 |
) |
|
(83.2 |
) |
NAIC 2 |
|
BBB |
|
2,155.2 |
|
|
2,092.2 |
|
|
23.1 |
% |
|
(63.0 |
) |
|
(141.9 |
) |
NAIC 3及以下版本 |
|
BB- |
|
377.4 |
|
|
366.6 |
|
|
4.1 |
% |
|
(10.8 |
) |
|
(21.7 |
) |
企業總數 |
|
BBB+ |
|
3,999.4 |
|
|
3,911.5 |
|
|
43.3 |
% |
|
(87.9 |
) |
|
(246.8 |
) |
資產支持: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
住房抵押貸款支持 |
|
AAA級 |
|
1,060.2 |
|
|
999.0 |
|
|
11.0 |
% |
|
(61.2 |
) |
|
(62.6 |
) |
商業抵押貸款支持 |
|
AA+ |
|
824.1 |
|
|
796.4 |
|
|
8.8 |
% |
|
(27.7 |
) |
|
(49.7 |
) |
資產擔保 |
|
A |
|
165.3 |
|
|
155.4 |
|
|
1.7 |
% |
|
(9.9 |
) |
|
(9.8 |
) |
總固定到期日 |
|
A+ |
|
7,644.8 |
|
|
7,382.2 |
|
|
81.6 |
% |
|
(262.6 |
) |
|
(471.7 |
) |
股權證券 |
|
|
|
607.0 |
|
|
607.0 |
|
|
6.7 |
% |
|
- |
|
|
- |
|
按揭貸款及其他貸款 |
|
|
|
438.5 |
|
|
438.5 |
|
|
4.9 |
% |
|
- |
|
|
- |
|
其他投資 |
|
|
|
347.6 |
|
|
347.6 |
|
|
3.8 |
% |
|
- |
|
|
- |
|
總投資 |
|
|
|
9,037.9 |
|
|
8,775.3 |
|
|
97.0 |
% |
|
(262.6 |
) |
|
(471.7 |
) |
現金和現金等價物 |
|
|
|
272.0 |
|
|
272.0 |
|
|
3.0 |
% |
|
- |
|
|
- |
|
總計 |
|
|
$ |
9,309.9 |
|
$ |
9,047.3 |
|
|
100.0 |
% |
$ |
(262.6 |
) |
$ |
(471.7 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)扣除信貸損失準備800萬美元后的淨額。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
15
漢諾威保險集團 |
|
||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
信用質量和固定期限 |
|
||||||||||||
March 31, 2022 |
|
||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(單位:百萬) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限的信用質量 |
|
||||||||||||
|
|
評級機構 |
|
攤銷 |
|
|
公平 |
|
佔總數的百分比 |
|
|||
NAIC認證 |
等值名稱 |
|
成本(1) |
|
|
價值 |
|
公允價值 |
|
||||
1 |
AAA/AA/A |
$ |
|
5,010.9 |
|
$ |
|
4,829.3 |
|
|
65.4 |
% |
|
2 |
BAA |
|
|
2,256.5 |
|
|
|
2,186.2 |
|
|
29.6 |
% |
|
3 |
基數 |
|
|
230.2 |
|
|
|
223.4 |
|
|
3.0 |
% |
|
4 |
B |
|
|
140.8 |
|
|
|
136.4 |
|
|
1.9 |
% |
|
5 |
CAA及更低版本 |
|
|
6.4 |
|
|
|
6.9 |
|
|
0.1 |
% |
|
總固定到期日 |
|
$ |
|
7,644.8 |
|
$ |
|
7,382.2 |
|
|
100.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限 |
|
|
|
||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷 |
|
|
公平 |
|
佔總數的百分比 |
|
|||
|
|
|
|
成本(1) |
|
|
價值 |
|
公允價值 |
|
|||
|
0-2歲 |
$ |
|
1,036.5 |
|
$ |
|
1,044.8 |
|
|
14.2 |
% |
|
|
2-4年 |
|
|
1,535.3 |
|
|
|
1,539.4 |
|
|
20.8 |
% |
|
|
4-6年 |
|
|
2,230.1 |
|
|
|
2,176.7 |
|
|
29.5 |
% |
|
|
6-8年 |
|
|
2,162.9 |
|
|
|
2,001.9 |
|
|
27.1 |
% |
|
|
8-10年 |
|
|
570.7 |
|
|
|
517.5 |
|
|
7.0 |
% |
|
|
10年以上 |
|
|
109.3 |
|
|
|
101.9 |
|
|
1.4 |
% |
|
總固定到期日 |
|
|
$ |
|
7,644.8 |
|
$ |
|
7,382.2 |
|
|
100.0 |
% |
加權平均持續時間 |
|
|
|
4.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)扣除信貸損失準備90萬美元后的淨額。 |
|
|
|
|
|
|
|
|
|
|
|
16
|
漢諾威保險集團 |
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|
|
|
|
|
|
|
|
|
|
|
|
|
企業和市政固定期限控股前25名 |
||||||||||
|
March 31, 2022 |
||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
(單位:百萬,百分比數據除外) |
|
|
|
|
|
|
|
|
|
|
|
發行人 |
攤銷成本 |
|
公允價值 |
|
作為投資資產的百分比 |
|
評級(1) |
|||
|
明尼蘇達州住房金融局 |
$ |
39.4 |
|
$ |
37.3 |
|
0.41% |
|
AAA級 |
|
|
摩根士丹利 |
|
34.4 |
|
|
33.8 |
|
0.37% |
|
BBB+ |
|
|
俄亥俄州 |
|
34.2 |
|
|
30.0 |
|
0.33% |
|
AA+ |
|
|
高盛 |
|
31.9 |
|
|
31.3 |
|
0.35% |
|
BBB+ |
|
|
嘉信理財 |
|
29.6 |
|
|
29.4 |
|
0.32% |
|
A |
|
|
摩根大通 |
|
28.0 |
|
|
27.5 |
|
0.30% |
|
A- |
|
|
艾伯維 |
|
27.1 |
|
|
27.2 |
|
0.30% |
|
BBB+ |
|
|
馬薩諸塞州學校建築局 |
|
26.3 |
|
|
23.6 |
|
0.26% |
|
AA+ |
|
|
美國銀行 |
|
26.2 |
|
|
26.7 |
|
0.29% |
|
A- |
|
|
第一資本金融 |
|
25.9 |
|
|
25.2 |
|
0.28% |
|
BBB |
|
|
花旗集團 |
|
25.7 |
|
|
25.1 |
|
0.28% |
|
BBB+ |
|
|
俄勒岡州 |
|
25.5 |
|
|
23.2 |
|
0.26% |
|
AA+ |
|
|
三井住友金融 |
|
25.4 |
|
|
24.2 |
|
0.27% |
|
A- |
|
|
加州州立大學 |
|
25.3 |
|
|
24.1 |
|
0.27% |
|
AA- |
|
|
瑞銀集團 |
|
25.0 |
|
|
24.1 |
|
0.27% |
|
A- |
|
|
PNC銀行 |
|
24.7 |
|
|
24.7 |
|
0.27% |
|
A |
|
|
國家電網 |
|
24.2 |
|
|
23.6 |
|
0.26% |
|
BBB+ |
|
|
西太平洋銀行 |
|
23.9 |
|
|
23.5 |
|
0.26% |
|
A |
|
|
美國銀行 |
|
23.9 |
|
|
24.0 |
|
0.27% |
|
A |
|
|
信諾 |
|
23.6 |
|
|
22.8 |
|
0.25% |
|
A- |
|
|
哥倫比亞特區 |
|
23.0 |
|
|
20.5 |
|
0.23% |
|
AAA級 |
|
|
Truist Financial |
|
22.5 |
|
|
22.8 |
|
0.25% |
|
A- |
|
|
威斯康星州 |
|
22.5 |
|
|
20.3 |
|
0.22% |
|
AA+ |
|
|
公民金融集團 |
|
22.3 |
|
|
21.4 |
|
0.24% |
|
BBB+ |
|
|
紐約梅隆銀行 |
|
22.1 |
|
|
22.2 |
|
0.25% |
|
A |
|
|
排名前25位的企業和市政 |
$ |
662.6 |
|
$ |
638.5 |
|
7.06% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)-代表國家認可的評級機構來源。 |
|
|
|
|
|
|
|
|
|
|
17
漢諾威保險集團 |
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
營業收入與淨收入的對賬 |
|
|||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至3月31日的三個月 |
|
|||||||||||||||
|
|
2022 |
|
|
2021 |
|
||||||||||||
(單位:百萬,不包括每股數據) |
|
|
$ |
|
人均 股份(稀釋) |
|
|
|
$ |
|
人均 股份(稀釋) |
|
||||||
營業收入(虧損) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
核心商業 |
|
$ |
|
67.5 |
|
|
|
|
|
|
$ |
|
(14.8 |
) |
|
|
|
|
專業 |
|
|
|
50.0 |
|
|
|
|
|
|
|
|
17.0 |
|
|
|
|
|
個人專線 |
|
|
|
36.3 |
|
|
|
|
|
|
|
|
81.8 |
|
|
|
|
|
其他 |
|
|
|
0.6 |
|
|
|
|
|
|
|
|
1.1 |
|
|
|
|
|
總計 |
|
|
|
154.4 |
|
|
|
|
|
|
|
|
85.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
利息支出 |
|
|
|
(8.5 |
) |
|
|
|
|
|
|
|
(8.5 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入 |
|
|
|
145.9 |
|
$ |
|
4.04 |
|
|
|
|
76.6 |
|
$ |
|
2.07 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
營業收入所得税費用 |
|
|
|
(28.2 |
) |
|
|
(0.78 |
) |
|
|
|
(15.2 |
) |
|
|
(0.41 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
所得税後營業收入 |
|
|
|
117.7 |
|
|
|
3.26 |
|
|
|
|
61.4 |
|
|
|
1.66 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
非經營性項目: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
銷售和其他業務的已實現淨收益(虧損) |
|
|
|
3.0 |
|
|
|
0.08 |
|
|
|
|
(1.6 |
) |
|
|
(0.04 |
) |
權益證券公允價值淨變動 |
|
|
|
(18.0 |
) |
|
|
(0.50 |
) |
|
|
|
39.1 |
|
|
|
1.06 |
|
投資減值損失 |
|
|
|
(0.9 |
) |
|
|
(0.02 |
) |
|
|
|
- |
|
|
|
- |
|
非經營性項目所得税優惠(費用) |
|
|
|
3.5 |
|
|
|
0.09 |
|
|
|
|
(6.1 |
) |
|
|
(0.16 |
) |
持續經營收入,税後淨額 |
|
|
|
105.3 |
|
|
|
2.91 |
|
|
|
|
92.8 |
|
|
|
2.52 |
|
停產業務(税後淨額): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
終止壽險業務的虧損 |
|
|
|
(0.5 |
) |
|
|
(0.01 |
) |
|
|
|
(0.1 |
) |
|
|
(0.01 |
) |
淨收入 |
|
$ |
|
104.8 |
|
$ |
|
2.90 |
|
|
$ |
|
92.7 |
|
$ |
|
2.51 |
|
18
漢諾威保險集團 |
|
非公認會計準則財務指標 |
|
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衡量標準包括利息支出和税前營業收入、税後營業收入總額、每股税後營業收入總額、每股賬面價值總額、每股賬面價值總額(不包括與投資有關的未實現淨收益和虧損)、税後淨額、每股有形賬面價值和營業收入和虧損指標以及不包括巨災損失的綜合比率(這裏討論的巨災損失包括巨災損失發展)和儲備發展。
|
扣除利息支出和税項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。扣除利息支出和税項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、費用和税項前的營業收入是營業收入(虧損)的總和,這些營業收入(虧損)來自:商業線路、個人線路和其他。税後營業收入每股收益(有時也稱為“每股税後營業收入”)也是非公認會計準則的衡量標準。它被定義為淨收益(虧損),不包括已實現和未實現投資淨收益(虧損)的税後影響,以及一段時期內非持續經營和其他非營業項目的結果除以普通股平均稀釋股份數量。漢諾威認為,扣除利息、支出和税項前的營業收入指標為投資者提供了衡量公司持續業務表現的寶貴指標,因為它們突出了可歸因於業務核心業務的淨收益(虧損)。
|
每股賬面價值是股東權益總額除以已發行普通股數量。每股賬面價值,不包括與固定期限投資有關的未實現淨收益和淨虧損,扣除税後,是指股東權益總額,不包括固定期限未實現投資收益和虧損的税後影響除以已發行普通股數量。每股有形賬面價值是不包括商譽和無形資產的股東權益總額除以已發行普通股的數量。 |
|
漢諾威還提供了不包括巨災損失影響的營業收入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,討論不包括上一年儲備發展的營業收入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儲備估計的變化的洞察。 |
不應將扣除巨災損失或儲備開發影響的營業收入、扣除利息、支出和税後的營業收入以及營業收入計量解釋為根據公認會計準則確定的淨收益(虧損)的替代品。本文件第18頁列出截至2022年3月31日和2021年3月31日的三個月持續經營收入(虧損)與扣除利息支出和税項前營業收入(虧損)以及每股持續經營收入(虧損)和每股税後營業收入(虧損)的對賬。不包括儲備發展和/或巨災損失的影響而計算的損失率的列報不應被解釋為取代根據公認會計準則確定的損失率。 |
|
有關當期財務結果的新聞稿中提供了其他對賬信息,可在公司網站www.hanover.com上查閲。 |
19
漢諾威保險集團 |
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保費相關指標定義 |
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續訂價格變動 |
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● |
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。 |
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● |
個人額度:代表在續期時收取的保單保費的平均變化,由提交費率、通貨膨脹調整或保單水平敞口或投保風險的其他變化的淨影響引起。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 |
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● |
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。 |
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● |
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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留着 |
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● |
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。 |
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● |
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。 |
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生效策略(PIF)更改 |
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● |
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。 |
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20
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公司辦公室和 |
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截至2022年5月3日的行業評級 |
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轉移劑 |
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主要附屬公司 |
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漢諾威保險集團。 |
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上午 |
標準 |
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計算機股票投資者服務 |
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林肯街440號 |
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財務實力評級 |
最好的 |
標準普爾&P |
穆迪(Moody‘s) |
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PO Box 505000 |
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馬薩諸塞州伍斯特,郵編01653 |
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漢諾威保險 |
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肯塔基州路易斯維爾,郵編:40233-5000 |
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公司 |
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A2 |
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1-800-317-4454 |
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漢諾威保險公司 |
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公民保險公司 |
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林肯街440號 |
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美國的 |
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A |
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馬薩諸塞州伍斯特,郵編01653 |
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普通股 |
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美國公民保險公司 |
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上午 |
標準 |
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北海蘭德路808號 |
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債務評級 |
最好的 |
標準普爾&P |
穆迪(Moody‘s) |
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漢諾威保險集團的普通股交易 |
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密歇根州豪厄爾,郵編:48843 |
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漢諾威保險集團有限公司 |
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在紐約證券交易所上市,代碼為“THG”。 |
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優先債 |
BBB+ |
BBB |
Baa2 |
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附屬債券 |
BBB- |
BB+ |
Baa3 |
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市場和股利信息 |
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問詢 |
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下表列出了最高和最低收盤價 |
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以上評級是截至2022年5月3日的準確評級,可能是 |
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奧克薩娜·盧卡什耶娃 |
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我們普通股和季度現金的銷售價格 |
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由各自的評級機構修訂、取代或撤回 |
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高級副總裁 |
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下列期間的股息: |
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任何時候都可以。獲取有關金融機構的最新信息 |
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公司財務 |
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漢諾威保險集團及其子公司的評級,請 |
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郵箱:olukasheva@hanover.com |
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截至的季度 |
2022 |
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訪問各自評級機構的網站。 |
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價格範圍 |
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分紅 |
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高 |
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低 |
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每股 |
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3月31日 |
$ |
150.95 |
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$ |
131.19 |
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$ |
0.750 |
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截至的季度 |
2021 |
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價格範圍 |
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分紅 |
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高 |
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低 |
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每股 |
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3月31日 |
$ |
133.12 |
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$ |
112.47 |
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$ |
0.700 |
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6月30日 |
$ |
142.80 |
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$ |
129.83 |
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$ |
0.700 |
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9月30日 |
$ |
142.35 |
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$ |
127.33 |
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$ |
0.700 |
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12月31日 |
$ |
136.97 |
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$ |
121.75 |
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$ |
0.750 |
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21