展品99.2
財政補助金
2022年第四季度
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.................................................................................................... |
1 |
Financial Highlights......................................................................................................... |
2 |
合併財務報表 |
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Income Statements............................................................................................................. |
3 |
Balance Sheets................................................................................................................... |
4 |
税前經營業績及相關指標 |
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Consolidated....................................................................................................................... |
5-7 |
Core Commercial............................................................................................................... |
8-9 |
Specialty.............................................................................................................................. |
10-11 |
Personal Lines.................................................................................................................... |
12-15 |
投資 |
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Net Investment Income and Yields..................................................................................... |
16 |
Investment Portfolio............................................................................................................. |
17 |
Credit Quality and Duration of Fixed Maturities............................................................... |
18 |
前25名企業和市政固定到期日Holdings............................................. |
19 |
營業收入(虧損)與淨收益(虧損)的對賬...... |
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其他信息 |
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Non-GAAP Financial Measures........................................................................................ |
21 |
Premium Related Metric Definitions................................................................................. |
22 |
Corporate Information......................................................................................................... |
23 |
Market and Dividend Information...................................................................................... |
23 |
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; |
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●企業主的政策/商業多重風險 |
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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 |
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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 |
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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; |
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●商業多重危險 |
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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 |
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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。 |
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●個人汽車 |
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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Q2 |
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Q3 |
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Q4 |
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12月至年初 |
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12月至年初 |
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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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2022 |
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2022 |
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2022 (1) |
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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 |
$ |
1,337.6 |
$ |
1,342.8 |
$ |
1,493.2 |
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$ |
1,170.7 |
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$ |
1,470.1 |
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$ |
1,473.9 |
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$ |
1,660.3 |
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$ |
1,476.5 |
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$ |
5,344.3 |
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$ |
6,080.8 |
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- |
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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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1,332.8 |
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1,505.4 |
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1,326.0 |
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4,993.4 |
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5,476.5 |
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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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1,293.8 |
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1,331.2 |
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1,363.5 |
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4,770.2 |
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5,252.3 |
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收益 |
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息税前營業收入(虧損) |
$ |
85.1 |
$ |
137.3 |
$ |
47.0 |
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$ |
162.9 |
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$ |
154.4 |
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$ |
115.0 |
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$ |
53.9 |
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(38.2) |
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$ |
432.3 |
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$ |
285.1 |
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税後營業收入(虧損) |
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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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83.9 |
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35.7 |
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(37.4) |
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318.3 |
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199.9 |
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持續經營的收入(虧損) |
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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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22.8 |
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0.6 |
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(11.9) |
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420.0 |
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116.8 |
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淨收益(虧損) |
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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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22.6 |
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0.2 |
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(11.6) |
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418.7 |
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116.0 |
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每股數據(稀釋) |
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税後營業收入(虧損) |
$ |
1.66 |
$ |
2.85 |
$ |
0.85 |
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$ |
3.38 |
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$ |
3.26 |
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$ |
2.32 |
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$ |
0.99 |
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(1.05) |
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$ |
8.73 |
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$ |
5.53 |
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持續經營的收入(虧損) |
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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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0.63 |
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0.02 |
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(0.33) |
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11.52 |
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3.23 |
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淨收益(虧損) |
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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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0.63 |
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0.01 |
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(0.33) |
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11.49 |
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3.21 |
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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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36.1 |
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36.1 |
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36.1 |
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36.4 |
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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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35.6 |
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35.6 |
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35.6 |
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35.9 |
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35.6 |
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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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6月30日 |
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9月30日 |
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12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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2022 |
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2022 |
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2022 |
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總資產 |
$ |
13,448.0 |
$ |
13,728.1 |
$ |
14,105.3 |
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$ |
14,254.3 |
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$ |
13,847.2 |
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$ |
13,600.9 |
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$ |
13,745.9 |
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$ |
13,997.2 |
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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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6,606.9 |
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6,774.0 |
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7,012.6 |
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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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2,571.8 |
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2,295.9 |
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2,325.6 |
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股東權益總額,不包括未實現淨增值(折舊) |
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固定期限投資,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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3,031.2 |
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3,002.6 |
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2,967.0 |
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財產和意外傷害公司 |
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法定盈餘 |
$ |
2,667.7 |
$ |
2,547.1 |
$ |
2,548.4 |
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$ |
2,720.0 |
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$ |
2,809.6 |
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$ |
2,693.5 |
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$ |
2,681.8 |
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$ |
2,690.4 |
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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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1.94:1 |
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2.00:1 |
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2.03:1 |
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每股賬面價值 |
$ |
84.21 |
$ |
88.23 |
$ |
87.04 |
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$ |
88.59 |
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$ |
79.58 |
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$ |
72.20 |
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$ |
64.59 |
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$ |
65.38 |
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每股賬面價值,不包括未實現淨增值(折舊) |
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固定期限投資,税後淨額 |
$ |
77.50 |
$ |
79.71 |
$ |
79.84 |
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$ |
83.38 |
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$ |
85.06 |
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$ |
85.10 |
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$ |
84.47 |
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$ |
83.41 |
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每股有形賬面價值(不包括商譽和無形資產的賬面總價值) |
$ |
78.78 |
$ |
82.76 |
$ |
81.54 |
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$ |
83.08 |
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$ |
74.09 |
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$ |
66.73 |
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$ |
59.11 |
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$ |
59.90 |
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流通股 |
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36.2 |
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35.8 |
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35.6 |
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35.5 |
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35.6 |
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35.6 |
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35.6 |
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35.6 |
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債務/權益總額 |
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25.6 % |
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24.8 % |
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25.2 % |
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24.8 % |
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27.6 % |
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30.4 % |
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34.1 % |
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33.6 % |
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總債務/總資本 |
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20.4 % |
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19.9 % |
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20.1 % |
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19.9 % |
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21.6 % |
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23.3 % |
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25.4 % |
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25.2 % |
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(1)所得税後營業虧損、持續經營虧損、税後淨額和淨虧損指標是使用因反稀釋而發行的基本股份計算的。 |
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2
漢諾威保險集團 |
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合併損益表 |
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截至12月31日的三個月 |
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截至十二月三十一日止的年度 |
||||||||
(單位:百萬) |
|
2022 |
|
2021 |
更改百分比 |
|
|
2022 |
|
2021 |
更改百分比 |
|
|
|
|
|
|
|
|
|
|
|
|
賺取的保費 |
$ |
1,363.5 |
$ |
1,242.6 |
9.7 |
|
$ |
5,252.3 |
$ |
4,770.2 |
10.1 |
淨投資收益 |
|
75.9 |
|
79.5 |
(4.5) |
|
|
296.3 |
|
310.7 |
(4.6) |
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) |
|
(10.2) |
|
(2.2) |
不適用 |
|
|
(26.5) |
|
4.6 |
不適用 |
權益證券公允價值淨變動 |
|
42.8 |
|
53.2 |
(19.5) |
|
|
(63.3) |
|
119.1 |
不適用 |
投資的回收(減值): |
|
|
|
|
|
|
|
|
|
|
|
與信貸相關的恢復(減值) |
|
(0.4) |
|
(0.3) |
33.3 |
|
|
(1.9) |
|
0.3 |
不適用 |
出售證券的意向損失 |
|
- |
|
(0.3) |
不適用 |
|
|
(14.8) |
|
(1.0) |
不適用 |
|
|
(0.4) |
|
(0.6) |
(33.3) |
|
|
(16.7) |
|
(0.7) |
不適用 |
已實現和未實現投資淨收益(虧損)合計 |
|
32.2 |
|
50.4 |
(36.1) |
|
|
(106.5) |
|
123.0 |
不適用 |
費用及其他收入 |
|
7.1 |
|
6.0 |
18.3 |
|
|
26.5 |
|
23.9 |
10.9 |
總收入 |
|
1,478.7 |
|
1,378.5 |
7.3 |
|
|
5,468.6 |
|
5,227.8 |
4.6 |
|
|
|
|
|
|
|
|
|
|
|
|
損失和費用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損及虧損調整費用 |
|
1,050.8 |
|
763.8 |
37.6 |
|
|
3,623.4 |
|
3,134.2 |
15.6 |
遞延收購成本的攤銷 |
|
283.9 |
|
254.2 |
11.7 |
|
|
1,093.2 |
|
982.7 |
11.2 |
利息支出 |
|
8.6 |
|
8.5 |
1.2 |
|
|
34.1 |
|
34.0 |
0.3 |
其他運營費用 |
|
150.1 |
|
147.2 |
2.0 |
|
|
573.9 |
|
555.6 |
3.3 |
總損失和費用 |
|
1,493.4 |
|
1,173.7 |
27.2 |
|
|
5,324.6 |
|
4,706.5 |
13.1 |
|
|
|
|
|
|
|
|
|
|
|
|
所得税前持續經營的收入(虧損) |
|
(14.7) |
|
204.8 |
不適用 |
|
|
144.0 |
|
521.3 |
(72.4) |
所得税支出(福利) |
|
(2.8) |
|
42.0 |
不適用 |
|
|
27.2 |
|
101.3 |
(73.1) |
持續經營的收入(虧損) |
|
(11.9) |
|
162.8 |
不適用 |
|
|
116.8 |
|
420.0 |
(72.2) |
停產業務(税後淨額): |
|
|
|
|
|
|
|
|
|
|
|
喬叟業務的收入 |
|
- |
|
1.2 |
不適用 |
|
|
- |
|
1.2 |
不適用 |
終止壽險業務的收入(虧損) |
|
0.3 |
|
(0.5) |
不適用 |
|
|
(0.8) |
|
(2.5) |
(68.0) |
淨收益(虧損) |
$ |
(11.6) |
$ |
163.5 |
不適用 |
|
$ |
116.0 |
$ |
418.7 |
(72.3) |
|
|
|
|
|
|
|
|
|
|
|
|
3
漢諾威保險集團 |
||||||
|
|
|
|
|
|
|
合併資產負債表 |
||||||
|
|
|
|
|
|
|
|
|
12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: |
|
|
|
|
|
|
固定到期日,按公允價值計算(攤銷成本分別為8294.5美元和7514.8美元) |
$ |
7,481.8 |
$ |
7,723.9 |
|
(3.1) |
股權證券,按公允價值計算 |
|
241.9 |
|
661.3 |
|
(63.4) |
其他投資 |
|
786.1 |
|
767.4 |
|
2.4 |
總投資 |
|
8,509.8 |
|
9,152.6 |
|
(7.0) |
現金和現金等價物 |
|
305.0 |
|
230.9 |
|
32.1 |
應計投資收益 |
|
54.5 |
|
49.8 |
|
9.4 |
保費和應收賬款淨額 |
|
1,601.4 |
|
1,469.5 |
|
9.0 |
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 |
|
1,964.5 |
|
1,907.3 |
|
3.0 |
遞延收購成本 |
|
604.8 |
|
552.0 |
|
9.6 |
遞延所得税資產 |
|
199.2 |
|
- |
|
不適用 |
商譽 |
|
178.8 |
|
178.8 |
|
- |
其他資產 |
|
493.0 |
|
606.3 |
|
(18.7) |
非持續經營業務的資產 |
|
86.2 |
|
107.1 |
|
(19.5) |
總資產 |
$ |
13,997.2 |
$ |
14,254.3 |
|
(1.8) |
|
|
|
|
|
|
|
負債和股東權益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
負債 |
|
|
|
|
|
|
虧損及虧損調整費用準備金 |
$ |
7,012.6 |
$ |
6,447.6 |
|
8.8 |
未賺取的保費 |
|
2,954.2 |
|
2,734.9 |
|
8.0 |
應繳費用和税項 |
|
731.7 |
|
907.7 |
|
(19.4) |
遞延所得税負債 |
|
- |
|
60.8 |
|
不適用 |
應付再保險費 |
|
70.3 |
|
55.1 |
|
27.6 |
債務 |
|
782.4 |
|
781.6 |
|
0.1 |
停業業務的負債 |
|
120.4 |
|
121.7 |
|
(1.1) |
總負債 |
|
11,671.6 |
|
11,109.4 |
|
5.1 |
|
|
|
|
|
|
|
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 |
|
1,913.1 |
|
1,887.2 |
|
1.4 |
累計其他綜合收益(虧損) |
|
(705.5) |
|
122.2 |
|
不適用 |
留存收益 |
|
2,988.8 |
|
2,983.2 |
|
0.2 |
按成本計算的庫存股(2,490萬股和2,500萬股) |
|
(1,871.4) |
|
(1,848.3) |
|
1.2 |
股東權益總額 |
|
2,325.6 |
|
3,144.9 |
|
(26.1) |
總負債和股東權益 |
$ |
13,997.2 |
$ |
14,254.3 |
|
(1.8) |
4
漢諾威保險集團 |
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|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承保和營業收入信息及比率 |
|||||||||||||||||||||
已整合 |
|||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至12月31日的三個月 |
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|
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|
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|
|
|
|
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 |
$ |
520.1 |
$ |
374.1 |
$ |
582.3 |
$ |
- |
$ |
1,476.5 |
|
$ |
484.9 |
$ |
346.0 |
$ |
339.8 |
$ |
- |
$ |
1,170.7 |
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
- |
|
|
|
|
|
|
淨保費已成交 |
$ |
453.2 |
$ |
309.5 |
$ |
563.3 |
$ |
- |
$ |
1,326.0 |
|
$ |
427.9 |
$ |
284.8 |
$ |
502.2 |
$ |
- |
$ |
1,214.9 |
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
- |
|
|
|
|
|
|
賺取的淨保費 |
$ |
503.0 |
$ |
308.4 |
$ |
552.1 |
$ |
- |
$ |
1,363.5 |
|
$ |
468.4 |
$ |
277.5 |
$ |
496.7 |
$ |
- |
$ |
1,242.6 |
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
- |
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
- |
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
302.7 |
|
158.8 |
|
401.1 |
|
- |
|
862.6 |
|
|
271.9 |
|
145.7 |
|
321.6 |
|
- |
|
739.2 |
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
- |
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
(2.4) |
|
- |
|
(0.2) |
|
1.2 |
|
(1.4) |
|
|
(7.2) |
|
(4.2) |
|
(3.0) |
|
- |
|
(14.4) |
|
|
|
|
|
|
|
|
- |
|
|
|
|
- |
|
- |
|
|
|
|
|
|
當年巨災損失 |
|
128.5 |
|
13.9 |
|
47.2 |
|
- |
|
189.6 |
|
|
10.9 |
|
4.6 |
|
23.5 |
|
- |
|
39.0 |
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
- |
|
|
|
- |
|
|
前一年災害發展不利(有利) |
|
(5.0) |
|
(4.0) |
|
9.0 |
|
- |
|
- |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
|
- |
|
|
|
|
- |
|
- |
|
|
|
|
|
|
總虧損和LAE |
|
423.8 |
|
168.7 |
|
457.1 |
|
1.2 |
|
1,050.8 |
|
|
275.6 |
|
146.1 |
|
342.1 |
|
- |
|
763.8 |
|
|
|
|
|
|
|
|
- |
|
|
|
|
- |
|
- |
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
166.7 |
|
111.2 |
|
148.9 |
|
- |
|
426.8 |
|
|
158.4 |
|
98.2 |
|
137.6 |
|
- |
|
394.2 |
|
|
|
|
|
|
|
|
- |
|
|
|
|
- |
|
- |
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
(87.5) |
|
28.5 |
|
(53.9) |
|
(1.2) |
|
(114.1) |
|
|
34.4 |
|
33.2 |
|
17.0 |
|
- |
|
84.6 |
|
|
|
|
|
|
|
|
- |
|
|
|
|
- |
|
- |
|
|
|
|
|
|
淨投資收益 |
|
34.8 |
|
15.9 |
|
22.2 |
|
3.0 |
|
75.9 |
|
|
37.6 |
|
16.1 |
|
22.9 |
|
2.9 |
|
79.5 |
|
|
|
|
|
|
|
|
- |
|
|
|
|
- |
|
- |
|
|
|
|
|
|
其他收入 |
|
1.1 |
|
1.2 |
|
4.0 |
|
0.8 |
|
7.1 |
|
|
0.8 |
|
1.5 |
|
2.6 |
|
1.1 |
|
6.0 |
|
|
|
|
|
|
|
|
- |
|
|
|
|
- |
|
- |
|
|
|
|
|
|
其他運營費用 |
|
(1.1) |
|
(1.7) |
|
(1.4) |
|
(2.9) |
|
(7.1) |
|
|
(0.9) |
|
(1.8) |
|
(1.6) |
|
(2.9) |
|
(7.2) |
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
- |
|
|
|
|
|
|
所得税前營業收入(虧損) |
$ |
(52.7) |
$ |
43.9 |
$ |
(29.1) |
$ |
(0.3) |
$ |
(38.2) |
|
$ |
71.9 |
$ |
49.0 |
$ |
40.9 |
$ |
1.1 |
$ |
162.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
60.2 % |
|
51.5 % |
|
72.6 % |
|
不適用 |
|
63.3 % |
|
|
58.0 % |
|
52.4 % |
|
64.8 % |
|
不適用 |
|
59.6 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
上年發展良好,不包括巨災損失 |
|
(0.5)% |
|
- |
|
- |
|
不適用 |
|
(0.1)% |
|
|
(1.5)% |
|
(1.5)% |
|
(0.6)% |
|
不適用 |
|
(1.2)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
當年巨災損失 |
|
25.6 % |
|
4.5 % |
|
8.6 % |
|
不適用 |
|
13.9 % |
|
|
2.3 % |
|
1.7 % |
|
4.7 % |
|
不適用 |
|
3.1 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
(1.0)% |
|
(1.3)% |
|
1.6 % |
|
不適用 |
|
- |
|
|
- |
|
- |
|
- |
|
不適用 |
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總損耗和LAE比率 |
|
84.3 % |
|
54.7 % |
|
82.8 % |
|
不適用 |
|
77.1 % |
|
|
58.8 % |
|
52.6 % |
|
68.9 % |
|
不適用 |
|
61.5 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
費用比率 |
|
32.9 % |
|
35.8 % |
|
26.3 % |
|
不適用 |
|
30.9 % |
|
|
33.6 % |
|
35.1 % |
|
27.3 % |
|
不適用 |
|
31.4 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
綜合比率 |
|
117.2 % |
|
90.5 % |
|
109.1 % |
|
不適用 |
|
108.0 % |
|
|
92.4 % |
|
87.7 % |
|
96.2 % |
|
不適用 |
|
92.9 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
5
漢諾威保險集團 |
||||||||||||||||||||||
GAAP承保和營業收入信息及比率 |
||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
已整合 |
||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至十二月三十一日止的年度 |
||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
|
$ |
2,276.3 |
$ |
1,500.1 |
$ |
2,304.4 |
$ |
- |
$ |
6,080.8 |
|
$ |
2,099.5 |
$ |
1,349.4 |
$ |
1,895.4 |
$ |
- |
$ |
5,344.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨保費已成交 |
|
$ |
1,999.9 |
$ |
1,243.7 |
$ |
2,232.9 |
$ |
- |
$ |
5,476.5 |
|
$ |
1,864.8 |
$ |
1,118.9 |
$ |
2,009.7 |
$ |
- |
$ |
4,993.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
|
$ |
1,950.5 |
$ |
1,189.0 |
$ |
2,112.8 |
$ |
- |
$ |
5,252.3 |
|
$ |
1,810.9 |
$ |
1,029.9 |
$ |
1,929.4 |
$ |
- |
$ |
4,770.2 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
- |
|
- |
|
- |
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
- |
|
- |
|
- |
|
|
本年度,不包括巨災損失 |
|
|
1,153.1 |
|
628.6 |
|
1,459.7 |
|
- |
|
3,241.4 |
|
|
1,062.4 |
|
555.5 |
|
1,169.8 |
|
- |
|
2,787.7 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
- |
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
(10.3) |
|
(19.5) |
|
8.0 |
|
1.2 |
|
(20.6) |
|
|
(17.8) |
|
(16.2) |
|
(23.1) |
|
1.0 |
|
(56.1) |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
- |
|
|
當前事故年巨災損失 |
|
|
211.0 |
|
41.4 |
|
162.2 |
|
- |
|
414.6 |
|
|
185.2 |
|
54.1 |
|
178.3 |
|
- |
|
417.6 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
- |
|
|
前一年災害發展不利(有利) |
|
|
(17.3) |
|
(8.7) |
|
14.0 |
|
- |
|
(12.0) |
|
|
(9.7) |
|
(2.3) |
|
(3.0) |
|
- |
|
(15.0) |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
- |
|
- |
|
- |
|
|
總虧損和LAE |
|
|
1,336.5 |
|
641.8 |
|
1,643.9 |
|
1.2 |
|
3,623.4 |
|
|
1,220.1 |
|
591.1 |
|
1,322.0 |
|
1.0 |
|
3,134.2 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
- |
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
642.7 |
|
422.5 |
|
573.1 |
|
- |
|
1,638.3 |
|
|
598.3 |
|
369.4 |
|
542.3 |
|
- |
|
1,510.0 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
- |
|
- |
|
- |
|
|
公認會計準則承保利潤(虧損) |
|
|
(28.7) |
|
124.7 |
|
(104.2) |
|
(1.2) |
|
(9.4) |
|
|
(7.5) |
|
69.4 |
|
65.1 |
|
(1.0) |
|
126.0 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
- |
|
- |
|
- |
|
|
淨投資收益 |
|
|
136.2 |
|
62.1 |
|
86.8 |
|
11.2 |
|
296.3 |
|
|
146.5 |
|
62.9 |
|
89.4 |
|
11.9 |
|
310.7 |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
- |
|
- |
|
- |
|
|
其他收入 |
|
|
4.0 |
|
5.4 |
|
14.1 |
|
3.0 |
|
26.5 |
|
|
3.3 |
|
6.4 |
|
9.7 |
|
4.5 |
|
23.9 |
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
- |
|
|
其他運營費用 |
|
|
(4.6) |
|
(6.2) |
|
(5.5) |
|
(12.0) |
|
(28.3) |
|
|
(4.3) |
|
(6.8) |
|
(5.7) |
|
(11.5) |
|
(28.3) |
|
|
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
- |
|
- |
|
- |
|
|
所得税前營業收入(虧損) |
|
$ |
106.9 |
$ |
186.0 |
$ |
(8.8) |
$ |
1.0 |
$ |
285.1 |
|
$ |
138.0 |
$ |
131.9 |
$ |
158.5 |
$ |
3.9 |
$ |
432.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
|
59.1 % |
|
52.8 % |
|
69.1 % |
|
不適用 |
|
61.7 % |
|
|
58.7 % |
|
54.0 % |
|
60.6 % |
|
不適用 |
|
58.5 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
|
(0.5)% |
|
(1.6)% |
|
0.4 % |
|
不適用 |
|
(0.4)% |
|
|
(1.0)% |
|
(1.6)% |
|
(1.2)% |
|
不適用 |
|
(1.2)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
|
10.8 % |
|
3.5 % |
|
7.6 % |
|
不適用 |
|
7.9 % |
|
|
10.2 % |
|
5.2 % |
|
9.3 % |
|
不適用 |
|
8.7 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
|
(0.9)% |
|
(0.7)% |
|
0.7 % |
|
不適用 |
|
(0.2)% |
|
|
(0.5)% |
|
(0.2)% |
|
(0.2)% |
|
不適用 |
|
(0.3)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總損耗和LAE比率 |
|
|
68.5 % |
|
54.0 % |
|
77.8 % |
|
不適用 |
|
69.0 % |
|
|
67.4 % |
|
57.4 % |
|
68.5 % |
|
不適用 |
|
65.7 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
32.7 % |
|
35.3 % |
|
26.5 % |
|
不適用 |
|
30.8 % |
|
|
32.9 % |
|
35.5 % |
|
27.7 % |
|
不適用 |
|
31.3 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率 |
|
|
101.2 % |
|
89.3 % |
|
104.3 % |
|
不適用 |
|
99.8 % |
|
|
100.3 % |
|
92.9 % |
|
96.2 % |
|
不適用 |
|
97.0 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
6
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 |
|
Q2 |
|
Q3 |
|
Q4 |
|
12月至年初 |
|
12月至年初 |
(單位:百萬,百分比數據除外) |
|
2021 |
|
2021 |
|
2021 |
|
2021 |
|
2022 |
|
2022 |
|
2022 |
|
2022 |
|
2021 |
|
2022 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面毛保費 |
$ |
1,337.6 |
$ |
1,342.8 |
$ |
1,493.2 |
$ |
1,170.7 |
$ |
1,470.1 |
$ |
1,473.9 |
$ |
1,660.3 |
$ |
1,476.5 |
$ |
5,344.3 |
$ |
6,080.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
淨保費已成交 |
$ |
1,196.1 |
$ |
1,207.2 |
$ |
1,375.2 |
$ |
1,214.9 |
$ |
1,312.3 |
$ |
1,332.8 |
$ |
1,505.4 |
$ |
1,326.0 |
$ |
4,993.4 |
$ |
5,476.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
賺取的淨保費 |
$ |
1,161.8 |
$ |
1,179.8 |
$ |
1,186.0 |
$ |
1,242.6 |
$ |
1,263.8 |
$ |
1,293.8 |
$ |
1,331.2 |
$ |
1,363.5 |
$ |
4,770.2 |
$ |
5,252.3 |
|
|
|
|
|
|
|
|
|
|
. |
|
|
|
|
|
|
|
- |
|
- |
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
本年度,不包括巨災損失 |
|
656.2 |
|
680.9 |
|
711.4 |
|
739.2 |
|
748.0 |
|
777.3 |
|
853.5 |
|
862.6 |
|
2,787.7 |
|
3,241.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
上年發展良好,不包括巨災損失 |
|
(8.2) |
|
(12.6) |
|
(20.9) |
|
(14.4) |
|
(6.0) |
|
(9.2) |
|
(4.0) |
|
(1.4) |
|
(56.1) |
|
(20.6) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
當年巨災損失 |
|
133.3 |
|
91.8 |
|
153.5 |
|
39.0 |
|
45.5 |
|
89.4 |
|
90.1 |
|
189.6 |
|
417.6 |
|
414.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
上年有利的巨災發展 |
|
- |
|
(15.0) |
|
- |
|
- |
|
- |
|
(12.0) |
|
- |
|
- |
|
(15.0) |
|
(12.0) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
總虧損和LAE |
|
781.3 |
|
745.1 |
|
844.0 |
|
763.8 |
|
787.5 |
|
845.5 |
|
939.6 |
|
1,050.8 |
|
3,134.2 |
|
3,623.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
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 |
|
403.6 |
|
410.0 |
|
426.8 |
|
1,510.0 |
|
1,638.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
公認會計準則承保利潤(虧損) |
|
9.3 |
|
63.0 |
|
(30.9) |
|
84.6 |
|
78.4 |
|
44.7 |
|
(18.4) |
|
(114.1) |
|
126.0 |
|
(9.4) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
76.8 |
|
75.6 |
|
78.8 |
|
79.5 |
|
76.9 |
|
70.5 |
|
73.0 |
|
75.9 |
|
310.7 |
|
296.3 |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
- |
|
|
其他收入 |
|
6.0 |
|
5.8 |
|
6.1 |
|
6.0 |
|
5.9 |
|
6.5 |
|
7.0 |
|
7.1 |
|
23.9 |
|
26.5 |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
- |
|
|
其他運營費用 |
|
(7.0) |
|
(7.1) |
|
(7.0) |
|
(7.2) |
|
(6.8) |
|
(6.7) |
|
(7.7) |
|
(7.1) |
|
(28.3) |
|
(28.3) |
|
|
|
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
|
|
|
所得税前營業收入(虧損) |
$ |
85.1 |
$ |
137.3 |
$ |
47.0 |
$ |
162.9 |
$ |
154.4 |
$ |
115.0 |
$ |
53.9 |
$ |
(38.2) |
$ |
432.3 |
$ |
285.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 % |
|
60.1 % |
|
64.1 % |
|
63.3 % |
|
58.5 % |
|
61.7 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
上年發展良好,不包括巨災損失 |
|
(0.7)% |
|
(1.1)% |
|
(1.8)% |
|
(1.2)% |
|
(0.5)% |
|
(0.7)% |
|
(0.3)% |
|
(0.1)% |
|
(1.2)% |
|
(0.4)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
當年巨災損失 |
|
11.5 % |
|
7.8 % |
|
12.9 % |
|
3.1 % |
|
3.6 % |
|
6.9 % |
|
6.8 % |
|
13.9 % |
|
8.7 % |
|
7.9 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
上年有利的巨災發展 |
|
- |
|
(1.3)% |
|
- |
|
- |
|
- |
|
(0.9)% |
|
- |
|
- |
|
(0.3)% |
|
(0.2)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
總損耗和LAE比率 |
|
67.2 % |
|
63.2 % |
|
71.2 % |
|
61.5 % |
|
62.3 % |
|
65.4 % |
|
70.6 % |
|
77.1 % |
|
65.7 % |
|
69.0 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
費用比率 |
|
31.6 % |
|
31.2 % |
|
31.1 % |
|
31.4 % |
|
31.1 % |
|
30.8 % |
|
30.4 % |
|
30.9 % |
|
31.3 % |
|
30.8 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
綜合比率 |
|
98.8 % |
|
94.4 % |
|
102.3 % |
|
92.9 % |
|
93.4 % |
|
96.2 % |
|
101.0 % |
|
108.0 % |
|
97.0 % |
|
99.8 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
綜合比率,不包括巨災損失 |
|
87.3 % |
|
87.9 % |
|
89.4 % |
|
89.8 % |
|
89.8 % |
|
90.2 % |
|
94.2 % |
|
94.1 % |
|
88.6 % |
|
92.1 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
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 % |
|
90.9 % |
|
94.5 % |
|
94.2 % |
|
89.8 % |
|
92.5 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
7
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 |
|
Q2 |
|
Q3 |
|
Q4 |
|
12月至年初 |
|
12月至年初 |
(單位:百萬,百分比數據除外) |
|
2021 |
|
2021 |
|
2021 |
|
2021 |
|
2022 |
|
2022 |
|
2022 |
|
2022 |
|
2021 |
|
2022 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面毛保費 |
$ |
539.9 |
$ |
473.6 |
$ |
601.1 |
$ |
484.9 |
$ |
591.9 |
$ |
525.6 |
$ |
638.7 |
$ |
520.1 |
$ |
2,099.5 |
$ |
2,276.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
淨保費已成交 |
$ |
480.6 |
$ |
421.7 |
$ |
534.6 |
$ |
427.9 |
$ |
526.6 |
$ |
454.2 |
$ |
565.9 |
$ |
453.2 |
$ |
1,864.8 |
$ |
1,999.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
賺取的淨保費 |
$ |
435.2 |
$ |
447.6 |
$ |
459.7 |
$ |
468.4 |
$ |
474.7 |
$ |
480.1 |
$ |
492.7 |
$ |
503.0 |
$ |
1,810.9 |
$ |
1,950.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
250.6 |
|
258.2 |
|
281.7 |
|
271.9 |
|
272.6 |
|
273.6 |
|
304.2 |
|
302.7 |
|
1,062.4 |
|
1,153.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
(2.7) |
|
(4.6) |
|
(3.3) |
|
(7.2) |
|
(6.4) |
|
(2.8) |
|
1.3 |
|
(2.4) |
|
(17.8) |
|
(10.3) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
當年巨災損失 |
|
94.5 |
|
22.5 |
|
57.3 |
|
10.9 |
|
19.7 |
|
28.7 |
|
34.1 |
|
128.5 |
|
185.2 |
|
211.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨災發展 |
|
(0.1) |
|
(8.7) |
|
(0.9) |
|
- |
|
- |
|
(10.9) |
|
(1.4) |
|
(5.0) |
|
(9.7) |
|
(17.3) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
342.3 |
|
267.4 |
|
334.8 |
|
275.6 |
|
285.9 |
|
288.6 |
|
338.2 |
|
423.8 |
|
1,220.1 |
|
1,336.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
|
157.2 |
|
162.2 |
|
166.7 |
|
598.3 |
|
642.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
(51.3) |
|
35.1 |
|
(25.7) |
|
34.4 |
|
32.2 |
|
34.3 |
|
(7.7) |
|
(87.5) |
|
(7.5) |
|
(28.7) |
|
|
0 |
|
0 |
|
0 |
|
0 |
|
0 |
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
36.9 |
|
35.0 |
|
37.0 |
|
37.6 |
|
35.4 |
|
32.6 |
|
33.4 |
|
34.8 |
|
146.5 |
|
136.2 |
|
|
0 |
|
0 |
|
0 |
|
0 |
|
0 |
|
|
|
|
|
|
|
- |
|
|
其他收入 |
|
0.8 |
|
0.8 |
|
0.9 |
|
0.8 |
|
1.0 |
|
0.9 |
|
1.0 |
|
1.1 |
|
3.3 |
|
4.0 |
|
|
0 |
|
0 |
|
0 |
|
0 |
|
0 |
|
|
|
|
|
|
|
- |
|
|
其他運營費用 |
|
(1.2) |
|
(1.0) |
|
(1.2) |
|
(0.9) |
|
(1.1) |
|
(0.9) |
|
(1.5) |
|
(1.1) |
|
(4.3) |
|
(4.6) |
|
|
0 |
|
0 |
|
0 |
|
0 |
|
0 |
|
|
|
|
|
|
|
|
|
|
所得税前營業收入(虧損) |
$ |
(14.8) |
$ |
69.9 |
$ |
11.0 |
$ |
71.9 |
$ |
67.5 |
$ |
66.9 |
$ |
25.2 |
$ |
(52.7) |
$ |
138.0 |
$ |
106.9 |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
|
|
|
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 % |
|
57.0 % |
|
61.7 % |
|
60.2 % |
|
58.7 % |
|
59.1 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
(0.6)% |
|
(1.0)% |
|
(0.7)% |
|
(1.5)% |
|
(1.3)% |
|
(0.6)% |
|
0.3 % |
|
(0.5)% |
|
(1.0)% |
|
(0.5)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
21.7 % |
|
5.0 % |
|
12.5 % |
|
2.3 % |
|
4.1 % |
|
6.0 % |
|
6.9 % |
|
25.6 % |
|
10.2 % |
|
10.8 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
上年有利的巨災發展 |
|
- |
|
(1.9)% |
|
(0.2)% |
|
- |
|
- |
|
(2.3)% |
|
(0.3)% |
|
(1.0)% |
|
(0.5)% |
|
(0.9)% |
總損耗和LAE比率 |
|
78.7 % |
|
59.7 % |
|
72.8 % |
|
58.8 % |
|
60.2 % |
|
60.1 % |
|
68.6 % |
|
84.3 % |
|
67.4 % |
|
68.5 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
33.0 % |
|
32.2 % |
|
32.6 % |
|
33.6 % |
|
32.8 % |
|
32.5 % |
|
32.7 % |
|
32.9 % |
|
32.9 % |
|
32.7 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率 |
|
111.7 % |
|
91.9 % |
|
105.4 % |
|
92.4 % |
|
93.0 % |
|
92.6 % |
|
101.3 % |
|
117.2 % |
|
100.3 % |
|
101.2 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率,不包括巨災損失 |
|
90.0 % |
|
88.8 % |
|
93.1 % |
|
90.1 % |
|
88.9 % |
|
88.9 % |
|
94.7 % |
|
92.6 % |
|
90.6 % |
|
91.3 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年綜合比率,不包括巨災損失 |
|
90.6 % |
|
89.8 % |
|
93.8 % |
|
91.6 % |
|
90.2 % |
|
89.5 % |
|
94.4 % |
|
93.1 % |
|
91.6 % |
|
91.8 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
8
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 |
|
Q2 |
|
Q3 |
|
Q4 |
|
12月至年初 |
|
12月至年初 |
(單位:百萬,百分比數據除外) |
|
2021 |
|
2021 |
|
2021 |
|
2021 |
|
2022 |
|
2022 |
|
2022 |
|
2022 |
|
2021 |
|
2022 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
毛收入 |
$ |
539.9 |
$ |
473.6 |
$ |
601.1 |
$ |
484.9 |
$ |
591.9 |
$ |
525.6 |
$ |
638.7 |
$ |
520.1 |
$ |
2,099.5 |
$ |
2,276.3 |
割讓 |
|
(59.3) |
|
(51.9) |
|
(66.5) |
|
(57.0) |
|
(65.3) |
|
(71.4) |
|
(72.8) |
|
(66.9) |
|
(234.7) |
|
(276.4) |
網絡 |
$ |
480.6 |
$ |
421.7 |
$ |
534.6 |
$ |
427.9 |
$ |
526.6 |
$ |
454.2 |
$ |
565.9 |
$ |
453.2 |
$ |
1,864.8 |
$ |
1,999.9 |
生長 |
|
4.3% |
|
11.4% |
|
9.9% |
|
6.8% |
|
9.6% |
|
7.7% |
|
5.9% |
|
5.9% |
|
8.0% |
|
7.2% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按分部列出的淨保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
小型商業 |
$ |
257.1 |
$ |
246.8 |
$ |
256.3 |
$ |
243.2 |
$ |
283.7 |
$ |
272.8 |
$ |
273.4 |
$ |
260.1 |
$ |
1,003.4 |
$ |
1,090.0 |
中端市場 |
|
223.5 |
|
174.9 |
|
278.3 |
|
184.7 |
|
242.9 |
|
181.4 |
|
292.5 |
|
193.1 |
|
861.4 |
|
909.9 |
總計 |
$ |
480.6 |
$ |
421.7 |
$ |
534.6 |
$ |
427.9 |
$ |
526.6 |
$ |
454.2 |
$ |
565.9 |
$ |
453.2 |
$ |
1,864.8 |
$ |
1,999.9 |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
|
|
|
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 |
$ |
224.0 |
$ |
300.2 |
$ |
231.3 |
$ |
957.7 |
$ |
1,011.5 |
商用汽車 |
|
90.0 |
|
80.6 |
|
92.9 |
|
77.3 |
|
96.1 |
|
82.5 |
|
95.7 |
|
78.8 |
|
340.8 |
|
353.1 |
工傷賠償 |
|
95.7 |
|
76.6 |
|
92.7 |
|
84.3 |
|
113.0 |
|
92.6 |
|
98.2 |
|
91.0 |
|
349.3 |
|
394.8 |
其他核心商業 |
|
57.7 |
|
45.5 |
|
64.8 |
|
49.0 |
|
61.5 |
|
55.1 |
|
71.8 |
|
52.1 |
|
217.0 |
|
240.5 |
總計 |
$ |
480.6 |
$ |
421.7 |
$ |
534.6 |
$ |
427.9 |
$ |
526.6 |
$ |
454.2 |
$ |
565.9 |
$ |
453.2 |
$ |
1,864.8 |
$ |
1,999.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
相關指標 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
保費留存 |
|
87.3% |
|
84.9% |
|
87.8% |
|
86.7% |
|
86.2% |
|
84.2% |
|
85.6% |
|
85.0% |
|
86.7% |
|
85.3% |
續訂價格變動 |
|
6.3% |
|
9.3% |
|
9.4% |
|
9.5% |
|
9.7% |
|
11.0% |
|
11.2% |
|
10.2% |
|
8.6% |
|
10.5% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
9
漢諾威保險集團 |
||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承保和營業收入信息及比率 |
||||||||||||||||||||
專業 |
||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
|
Q1 |
|
Q2 |
|
Q3 |
|
Q4 |
|
Q1 |
|
Q2 |
|
Q3 |
|
Q4 |
|
12月至年初 |
|
12月至年初 |
(單位:百萬,百分比數據除外) |
|
2021 |
|
2021 |
|
2021 |
|
2021 |
|
2022 |
|
2022 |
|
2022 |
|
2022 |
|
2021 |
|
2022 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面毛保費 |
$ |
344.1 |
$ |
332.1 |
$ |
327.2 |
$ |
346.0 |
$ |
379.1 |
$ |
354.6 |
$ |
392.3 |
$ |
374.1 |
$ |
1,349.4 |
$ |
1,500.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
淨保費已成交 |
$ |
276.8 |
$ |
265.1 |
$ |
292.2 |
$ |
284.8 |
$ |
302.8 |
$ |
302.3 |
$ |
329.1 |
$ |
309.5 |
$ |
1,118.9 |
$ |
1,243.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
賺取的淨保費 |
$ |
257.7 |
$ |
255.8 |
$ |
238.9 |
$ |
277.5 |
$ |
283.8 |
$ |
293.5 |
$ |
303.3 |
$ |
308.4 |
$ |
1,029.9 |
$ |
1,189.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
本年度,不包括巨災損失 |
|
138.3 |
|
145.7 |
|
125.8 |
|
145.7 |
|
154.0 |
|
153.5 |
|
162.3 |
|
158.8 |
|
555.5 |
|
628.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
上年發展良好,不包括巨災損失 |
|
(0.6) |
|
(3.3) |
|
(8.1) |
|
(4.2) |
|
(13.2) |
|
(1.2) |
|
(5.1) |
|
- |
|
(16.2) |
|
(19.5) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
當年巨災損失 |
|
24.3 |
|
7.7 |
|
17.5 |
|
4.6 |
|
7.6 |
|
9.7 |
|
10.2 |
|
13.9 |
|
54.1 |
|
41.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
前一年災害發展不利(有利) |
|
0.1 |
|
(3.3) |
|
0.9 |
|
- |
|
- |
|
(3.1) |
|
(1.6) |
|
(4.0) |
|
(2.3) |
|
(8.7) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
總虧損和LAE |
|
162.1 |
|
146.8 |
|
136.1 |
|
146.1 |
|
148.4 |
|
158.9 |
|
165.8 |
|
168.7 |
|
591.1 |
|
641.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
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 |
|
104.3 |
|
105.5 |
|
111.2 |
|
369.4 |
|
422.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
公認會計準則承銷利潤 |
|
2.0 |
|
18.7 |
|
15.5 |
|
33.2 |
|
33.9 |
|
30.3 |
|
32.0 |
|
28.5 |
|
69.4 |
|
124.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
淨投資收益 |
|
14.9 |
|
16.0 |
|
15.9 |
|
16.1 |
|
16.2 |
|
14.8 |
|
15.2 |
|
15.9 |
|
62.9 |
|
62.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
其他收入 |
|
1.6 |
|
1.7 |
|
1.6 |
|
1.5 |
|
1.3 |
|
1.5 |
|
1.4 |
|
1.2 |
|
6.4 |
|
5.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
其他運營費用 |
|
(1.5) |
|
(1.9) |
|
(1.6) |
|
(1.8) |
|
(1.4) |
|
(1.4) |
|
(1.7) |
|
(1.7) |
|
(6.8) |
|
(6.2) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
所得税前營業收入 |
$ |
17.0 |
$ |
34.5 |
$ |
31.4 |
$ |
49.0 |
$ |
50.0 |
$ |
45.2 |
$ |
46.9 |
$ |
43.9 |
$ |
131.9 |
$ |
186.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
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 % |
|
52.3 % |
|
53.6 % |
|
51.5 % |
|
54.0% |
|
52.8 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
上年發展良好,不包括巨災損失 |
|
(0.2)% |
|
(1.3)% |
|
(3.4)% |
|
(1.5)% |
|
(4.7)% |
|
(0.4)% |
|
(1.7)% |
|
- |
|
(1.6)% |
|
(1.6)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
當年巨災損失 |
|
9.5 % |
|
3.0 % |
|
7.3 % |
|
1.7% |
|
2.7 % |
|
3.3 % |
|
3.3 % |
|
4.5 % |
|
5.2% |
|
3.5 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
前一年災害發展不利(有利) |
|
- |
|
(1.3)% |
|
0.4 % |
|
- |
|
- |
|
(1.1)% |
|
(0.5)% |
|
(1.3)% |
|
(0.2)% |
|
(0.7)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
總損耗和LAE比率 |
|
62.9 % |
|
57.4 % |
|
57.0 % |
|
52.6 % |
|
52.3 % |
|
54.1 % |
|
54.7 % |
|
54.7 % |
|
57.4 % |
|
54.0 % |
|
|
0 |
|
0 |
|
0 |
|
0 |
|
0 |
|
|
|
|
|
|
|
- |
|
- |
費用比率 |
|
35.9 % |
|
34.9 % |
|
36.2 % |
|
35.1 % |
|
35.4 % |
|
35.3 % |
|
34.5 % |
|
35.8 % |
|
35.5 % |
|
35.3 % |
|
|
0 |
|
0 |
|
0 |
|
0 |
|
0 |
|
|
|
|
|
|
|
- |
|
- |
綜合比率 |
|
98.8 % |
|
92.3 % |
|
93.2 % |
|
87.7 % |
|
87.7 % |
|
89.4 % |
|
89.2 % |
|
90.5 % |
|
92.9 % |
|
89.3 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
綜合比率,不包括巨災損失 |
|
89.3 % |
|
90.6 % |
|
85.5 % |
|
86.0 % |
|
85.0 % |
|
87.2 % |
|
86.4 % |
|
87.3% |
|
87.9 % |
|
86.5 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當前事故年綜合比率,不包括巨災損失 |
|
89.5 % |
|
91.9 % |
|
88.9 % |
|
87.5 % |
|
89.7 % |
|
87.6 % |
|
88.1 % |
|
87.3% |
|
89.5 % |
|
88.1 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
10
漢諾威保險集團 |
||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面保費和相關指標 |
||||||||||||||||||||
專業 |
||||||||||||||||||||
|
|
|
||||||||||||||||||
|
|
Q1 |
|
Q2 |
|
Q3 |
|
Q4 |
|
Q1 |
|
Q2 |
|
Q3 |
|
Q4 |
|
12月至年初 |
|
12月至年初 |
(單位:百萬,百分比數據除外) |
|
2021 |
|
2021 |
|
2021 |
|
2021 |
|
2022 |
|
2022 |
|
2022 |
|
2022 |
|
2021 |
|
2022 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
毛收入 |
$ |
344.1 |
$ |
332.1 |
$ |
327.2 |
$ |
346.0 |
$ |
379.1 |
$ |
354.6 |
$ |
392.3 |
$ |
374.1 |
$ |
1,349.4 |
$ |
1,500.1 |
割讓 |
|
(67.3) |
|
(67.0) |
|
(35.0) |
|
(61.2) |
|
(76.3) |
|
(52.3) |
|
(63.2) |
|
(64.6) |
|
(230.5) |
|
(256.4) |
網絡 |
$ |
276.8 |
$ |
265.1 |
$ |
292.2 |
$ |
284.8 |
$ |
302.8 |
$ |
302.3 |
$ |
329.1 |
$ |
309.5 |
$ |
1,118.9 |
$ |
1,243.7 |
生長 |
|
12.1% |
|
12.2% |
|
6.6% |
|
14.1% |
|
9.4% |
|
14.0% |
|
12.6% |
|
8.7% |
|
11.1% |
|
11.2% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
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 |
$ |
94.6 |
$ |
105.8 |
$ |
99.1 |
$ |
367.0 |
$ |
410.5 |
特殊財產和意外傷害 |
|
79.3 |
|
79.8 |
|
87.1 |
|
101.4 |
|
90.4 |
|
98.5 |
|
102.4 |
|
110.8 |
|
347.6 |
|
402.1 |
海軍陸戰隊 |
|
91.1 |
|
86.6 |
|
90.4 |
|
77.1 |
|
84.3 |
|
91.2 |
|
100.3 |
|
84.4 |
|
345.2 |
|
360.2 |
擔保人及其他 |
|
12.0 |
|
17.4 |
|
16.7 |
|
13.0 |
|
17.1 |
|
18.0 |
|
20.6 |
|
15.2 |
|
59.1 |
|
70.9 |
總計 |
$ |
276.8 |
$ |
265.1 |
$ |
292.2 |
$ |
284.8 |
$ |
302.8 |
$ |
302.3 |
$ |
329.1 |
$ |
309.5 |
$ |
1,118.9 |
$ |
1,243.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
相關指標 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
保費留存 |
|
82.3% |
|
83.1% |
|
85.5% |
|
84.8% |
|
84.2% |
|
83.5% |
|
82.6% |
|
83.1% |
|
83.9% |
|
83.3% |
續訂價格變動 |
|
8.7% |
|
11.3% |
|
10.8% |
|
12.7% |
|
12.6% |
|
12.0% |
|
12.4% |
|
13.2% |
|
10.9% |
|
12.6% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
11
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12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 |
$ |
324.6 |
$ |
238.7 |
$ |
563.3 |
|
$ |
300.3 |
$ |
201.9 |
$ |
502.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
$ |
326.5 |
$ |
225.6 |
$ |
552.1 |
|
$ |
305.3 |
$ |
191.4 |
$ |
496.7 |
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
279.5 |
|
121.6 |
|
401.1 |
|
|
226.3 |
|
95.3 |
|
321.6 |
|
|
|
|
|
|
- |
|
|
|
|
|
|
- |
不包括巨災損失的上一年不利(有利)發展 |
|
(0.7) |
|
0.5 |
|
(0.2) |
|
|
(4.4) |
|
1.4 |
|
(3.0) |
|
|
|
|
|
|
- |
|
|
|
|
|
|
- |
當年巨災損失 |
|
(0.7) |
|
47.9 |
|
47.2 |
|
|
2.5 |
|
21.0 |
|
23.5 |
|
|
|
|
|
|
- |
|
|
|
|
|
|
- |
前一年災害發展不利(有利) |
|
(0.4) |
|
9.4 |
|
9.0 |
|
|
(0.3) |
|
0.3 |
|
- |
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
總虧損和LAE |
|
277.7 |
|
179.4 |
|
457.1 |
|
|
224.1 |
|
118.0 |
|
342.1 |
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
|
|
148.9 |
|
|
|
|
|
|
137.6 |
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
|
|
|
(53.9) |
|
|
|
|
|
|
17.0 |
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
淨投資收益 |
|
|
|
|
|
22.2 |
|
|
|
|
|
|
22.9 |
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
4.0 |
|
|
|
|
|
|
2.6 |
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
其他運營費用 |
|
|
|
|
|
(1.4) |
|
|
|
|
|
|
(1.6) |
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
所得税前營業收入(虧損) |
|
|
|
|
$ |
(29.1) |
|
|
|
|
|
$ |
40.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
85.6 % |
|
53.9 % |
|
72.6 % |
|
|
74.1% |
|
49.8 % |
|
64.8 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
(0.2)% |
|
0.2 % |
|
- |
|
|
(1.4)% |
|
0.7 % |
|
(0.6)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
(0.2)% |
|
21.2 % |
|
8.6 % |
|
|
0.8 % |
|
11.0 % |
|
4.7 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
(0.1)% |
|
4.2 % |
|
1.6 % |
|
|
(0.1)% |
|
0.2 % |
|
- |
總損耗和LAE比率 |
|
85.1 % |
|
79.5 % |
|
82.8 % |
|
|
73.4 % |
|
61.7 % |
|
68.9 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
|
|
26.3 % |
|
|
|
|
|
|
27.3 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率 |
|
|
|
|
|
109.1 % |
|
|
|
|
|
|
96.2 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
12
漢諾威保險集團 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GAAP承保和營業收入信息及比率 |
|||||||||||||
個人專線 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至十二月三十一日止的年度 |
|||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
$ |
1,317.2 |
$ |
915.7 |
$ |
2,232.9 |
|
$ |
1,230.4 |
$ |
779.3 |
$ |
2,009.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
賺取的淨保費 |
$ |
1,270.3 |
$ |
842.5 |
$ |
2,112.8 |
|
$ |
1,193.8 |
$ |
735.6 |
$ |
1,929.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
本年度,不包括巨災損失 |
|
975.6 |
|
484.1 |
|
1,459.7 |
|
|
792.5 |
|
377.3 |
|
1,169.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
不包括巨災損失的上一年不利(有利)發展 |
|
(3.5) |
|
11.5 |
|
8.0 |
|
|
(23.5) |
|
0.4 |
|
(23.1) |
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
當年巨災損失 |
|
12.1 |
|
150.1 |
|
162.2 |
|
|
20.0 |
|
158.3 |
|
178.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
前一年災害發展不利(有利) |
|
(2.7) |
|
16.7 |
|
14.0 |
|
|
(1.3) |
|
(1.7) |
|
(3.0) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
總虧損和LAE |
|
981.5 |
|
662.4 |
|
1,643.9 |
|
|
787.7 |
|
534.3 |
|
1,322.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
攤銷遞延收購成本和其他承銷費用 |
|
|
|
|
|
573.1 |
|
|
|
|
|
|
542.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
公認會計準則承保利潤(虧損) |
|
|
|
|
|
(104.2) |
|
|
|
|
|
|
65.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
|
|
|
86.8 |
|
|
|
|
|
|
89.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他收入 |
|
|
|
|
|
14.1 |
|
|
|
|
|
|
9.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
其他運營費用 |
|
|
|
|
|
(5.5) |
|
|
|
|
|
|
(5.7) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入(虧損) |
|
|
|
|
$ |
(8.8) |
|
|
|
|
|
$ |
158.5 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
損失和LAE比率: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
本年度,不包括巨災損失 |
|
76.9 % |
|
57.4 % |
|
69.1 % |
|
|
66.4 % |
|
51.2 % |
|
60.6 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不包括巨災損失的上一年不利(有利)發展 |
|
(0.3)% |
|
1.4 % |
|
0.4 % |
|
|
(2.0)% |
|
0.1 % |
|
(1.2)% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
當年巨災損失 |
|
0.9 % |
|
17.8 % |
|
7.6 % |
|
|
1.7 % |
|
21.5 % |
|
9.3 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
前一年災害發展不利(有利) |
|
(0.2)% |
|
2.0 % |
|
0.7 % |
|
|
(0.1)% |
|
(0.2)% |
|
(0.2)% |
總損耗和LAE比率 |
|
77.3 % |
|
78.6 % |
|
77.8 % |
|
|
66.0 % |
|
72.6 % |
|
68.5 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
費用比率 |
|
|
|
|
|
26.5 % |
|
|
|
|
|
|
27.7 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
綜合比率 |
|
|
|
|
|
104.3 % |
|
|
|
|
|
|
96.2 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
13
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 |
|
Q2 |
|
Q3 |
|
Q4 |
|
12月至年初 |
|
12月至年初 |
(單位:百萬,百分比數據除外) |
|
2021 |
|
2021 |
|
2021 |
|
2021 |
|
2022 |
|
2022 |
|
2022 |
|
2022 |
|
2021 |
|
2022 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
書面毛保費 |
$ |
453.6 |
$ |
537.1 |
$ |
564.9 |
$ |
339.8 |
$ |
499.1 |
$ |
593.7 |
$ |
629.3 |
$ |
582.3 |
$ |
1,895.4 |
$ |
2,304.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
淨保費已成交 |
$ |
438.7 |
$ |
520.4 |
$ |
548.4 |
$ |
502.2 |
$ |
482.9 |
$ |
576.3 |
$ |
610.4 |
$ |
563.3 |
$ |
2,009.7 |
$ |
2,232.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
賺取的淨保費 |
$ |
468.9 |
$ |
476.4 |
$ |
487.4 |
$ |
496.7 |
$ |
505.3 |
$ |
520.2 |
$ |
535.2 |
$ |
552.1 |
$ |
1,929.4 |
$ |
2,112.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
虧損和LAE: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
本年度,不包括巨災損失 |
|
267.3 |
|
277.0 |
|
303.9 |
|
321.6 |
|
321.4 |
|
350.2 |
|
387.0 |
|
401.1 |
|
1,169.8 |
|
1,459.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
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 |
|
(5.2) |
|
(0.2) |
|
(0.2) |
|
(23.1) |
|
8.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
當年巨災損失 |
|
14.5 |
|
61.6 |
|
78.7 |
|
23.5 |
|
18.2 |
|
51.0 |
|
45.8 |
|
47.2 |
|
178.3 |
|
162.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
前一年災害發展不利(有利) |
|
- |
|
(3.0) |
|
- |
|
- |
|
- |
|
2.0 |
|
3.0 |
|
9.0 |
|
(3.0) |
|
14.0 |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
- |
|
- |
總虧損和LAE |
|
276.6 |
|
330.6 |
|
372.7 |
|
342.1 |
|
353.2 |
|
398.0 |
|
435.6 |
|
457.1 |
|
1,322.0 |
|
1,643.9 |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
- |
|
- |
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 |
|
142.1 |
|
142.3 |
|
148.9 |
|
542.3 |
|
573.1 |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
- |
|
- |
公認會計準則承保利潤(虧損) |
|
58.9 |
|
9.5 |
|
(20.3) |
|
17.0 |
|
12.3 |
|
(19.9) |
|
(42.7) |
|
(53.9) |
|
65.1 |
|
(104.2) |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
- |
|
- |
淨投資收益 |
|
22.1 |
|
21.8 |
|
22.6 |
|
22.9 |
|
22.6 |
|
20.6 |
|
21.4 |
|
22.2 |
|
89.4 |
|
86.8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
其他收入 |
|
2.3 |
|
2.2 |
|
2.6 |
|
2.6 |
|
2.8 |
|
3.4 |
|
3.9 |
|
4.0 |
|
9.7 |
|
14.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
- |
|
- |
其他運營費用 |
|
(1.5) |
|
(1.3) |
|
(1.3) |
|
(1.6) |
|
(1.4) |
|
(1.3) |
|
(1.4) |
|
(1.4) |
|
(5.7) |
|
(5.5) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
5.7 |
|
- |
所得税前營業收入(虧損) |
$ |
81.8 |
$ |
32.2 |
$ |
3.6 |
$ |
40.9 |
$ |
36.3 |
$ |
2.8 |
$ |
(18.8) |
$ |
(29.1) |
$ |
158.5 |
$ |
(8.8) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 % |
|
67.3 % |
|
72.3 % |
|
72.6 % |
|
60.6 % |
|
69.1 % |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
- |
|
- |
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 % |
|
(1.0)% |
|
- |
|
- |
|
(1.2)% |
|
0.4 % |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
- |
|
- |
當年巨災損失 |
|
3.1 % |
|
12.9 % |
|
16.1 % |
|
4.7 % |
|
3.6 % |
|
9.8 % |
|
8.5 % |
|
8.6 % |
|
9.3 % |
|
7.6 % |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
- |
|
- |
前一年災害發展不利(有利) |
|
- |
|
(0.6)% |
|
- |
|
- |
|
- |
|
0.4 % |
|
0.6 % |
|
1.6 % |
|
(0.2)% |
|
0.7 % |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
- |
|
- |
總損耗和LAE比率 |
|
59.0 % |
|
69.4 % |
|
76.5 % |
|
68.9 % |
|
69.9 % |
|
76.5 % |
|
81.4 % |
|
82.8 % |
|
68.5 % |
|
77.8 % |
|
|
- |
|
- |
|
- |
|
- |
|
- |
|
|
|
|
|
|
|
- |
|
- |
費用比率 |
|
28.0 % |
|
28.2 % |
|
27.3 % |
|
27.3 % |
|
27.2 % |
|
26.7 % |
|
25.9 % |
|
26.3 % |
|
27.7 % |
|
26.5 % |
|
|
0 |
|
0 |
|
0 |
|
0 |
|
0 |
|
|
|
|
|
|
|
- |
|
- |
綜合比率 |
|
87.0 % |
|
97.6 % |
|
103.8 % |
|
96.2 % |
|
97.1 % |
|
103.2 % |
|
107.3 % |
|
109.1 % |
|
96.2 % |
|
104.3 % |
|
|
0 |
|
0 |
|
0 |
|
0 |
|
0.1 |
|
|
|
|
|
|
|
- |
|
- |
綜合比率,不包括巨災損失 |
|
83.9 % |
|
85.3 % |
|
87.7 % |
|
91.5 % |
|
93.5 % |
|
93.0 % |
|
98.2 % |
|
98.9 % |
|
87.1 % |
|
96.0 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 % |
|
94.0 % |
|
98.2 % |
|
98.9 % |
|
88.3 % |
|
95.6 % |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
14
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 |
|
Q2 |
|
Q3 |
|
Q4 |
|
12月至年初 |
|
12月至年初 |
(單位:百萬,百分比數據除外) |
|
2021 |
|
2021 |
|
2021 |
|
2021 |
|
2022 |
|
2022 |
|
2022 |
|
2022 |
|
2021 |
|
2022 |
書面保費 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
毛收入 |
$ |
453.6 |
$ |
537.1 |
$ |
564.9 |
$ |
339.8 |
$ |
499.1 |
$ |
593.7 |
$ |
629.3 |
$ |
582.3 |
$ |
1,895.4 |
$ |
2,304.4 |
割讓 |
|
(14.9) |
|
(16.7) |
|
(16.5) |
|
162.4 |
|
(16.2) |
|
(17.4) |
|
(18.9) |
|
(19.0) |
|
114.3 |
|
(71.5) |
網絡 |
$ |
438.7 |
$ |
520.4 |
$ |
548.4 |
$ |
502.2 |
$ |
482.9 |
$ |
576.3 |
$ |
610.4 |
$ |
563.3 |
$ |
2,009.7 |
$ |
2,232.9 |
生長 |
|
2.2% |
|
11.6% |
|
8.0% |
|
8.7% |
|
10.1% |
|
10.7% |
|
11.3% |
|
12.2% |
|
7.7% |
|
11.1% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 |
$ |
340.2 |
$ |
354.0 |
$ |
324.6 |
$ |
1,230.4 |
$ |
1,317.2 |
房主和其他人 |
|
158.0 |
|
201.8 |
|
217.6 |
|
201.9 |
|
184.5 |
|
236.1 |
|
256.4 |
|
238.7 |
|
779.3 |
|
915.7 |
總計 |
$ |
438.7 |
$ |
520.4 |
$ |
548.4 |
$ |
502.2 |
$ |
482.9 |
$ |
576.3 |
$ |
610.4 |
$ |
563.3 |
$ |
2,009.7 |
$ |
2,232.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
相關指標 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
續訂價格變動 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人汽車 |
|
4.2% |
|
3.5% |
|
1.5% |
|
1.2% |
|
2.4% |
|
2.9% |
|
4.1% |
|
6.7% |
|
2.6% |
|
4.1% |
房主 |
|
6.2% |
|
5.7% |
|
5.9% |
|
6.9% |
|
7.7% |
|
9.3% |
|
12.1% |
|
15.5% |
|
6.2% |
|
11.3% |
總計(1) |
|
4.9% |
|
4.4% |
|
3.2% |
|
3.4% |
|
4.3% |
|
5.4% |
|
7.3% |
|
10.1% |
|
4.0% |
|
6.9% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
保單保留 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人汽車 |
|
84.0% |
|
85.8% |
|
88.0% |
|
88.4% |
|
88.5% |
|
88.4% |
|
87.3% |
|
85.7% |
|
86.5% |
|
87.5% |
房主 |
|
84.2% |
|
86.9% |
|
89.3% |
|
89.6% |
|
89.2% |
|
89.7% |
|
88.1% |
|
87.0% |
|
87.6% |
|
88.5% |
總計(1) |
|
84.1% |
|
86.4% |
|
88.6% |
|
89.0% |
|
88.8% |
|
89.1% |
|
87.7% |
|
86.4% |
|
87.1% |
|
88.0% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
PIF較上年同期的變化 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
個人汽車 |
|
(2.7)% |
|
(0.9)% |
|
2.7 % |
|
6.1 % |
|
8.0% |
|
8.0% |
|
7.1% |
|
5.8% |
|
6.1% |
|
5.8% |
房主 |
|
(0.9)% |
|
0.6 % |
|
3.4 % |
|
6.0 % |
|
7.5% |
|
7.6% |
|
6.8% |
|
5.6% |
|
6.0% |
|
5.6% |
總計(1) |
|
(1.8)% |
|
(0.1)% |
|
3.1 % |
|
6.1 % |
|
7.8% |
|
7.8% |
|
7.0% |
|
5.7% |
|
6.1% |
|
5.7% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)相關指標不包括其他個人線路。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
15
漢諾威保險集團 |
|||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益和收益率 |
|||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Q1 |
|
Q2 |
|
Q3 |
|
Q4 |
|
Q1 |
|
Q2 |
|
Q3 |
|
Q4 |
|
黃大仙 |
|
黃大仙 |
(單位:百萬,收益率除外) |
|
2021 |
|
2021 |
|
2021 |
|
2021 |
|
2022 |
|
2022 |
|
2022 |
|
2022 |
|
2021 |
|
2022 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
淨投資收益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限 |
|
$54.5 |
|
$53.9 |
|
$54.2 |
|
$54.3 |
|
$55.8 |
|
$57.6 |
|
$60.3 |
|
$65.6 |
|
$216.9 |
|
$239.3 |
|
有限合夥企業 |
|
15.1 |
|
15.5 |
|
18.9 |
|
18.7 |
|
15.2 |
|
7.8 |
|
7.5 |
|
5.2 |
|
68.2 |
|
35.7 |
|
按揭貸款 |
|
5.4 |
|
4.2 |
|
4.0 |
|
4.4 |
|
4.4 |
|
4.0 |
|
4.0 |
|
3.7 |
|
18.0 |
|
16.1 |
|
股權證券 |
|
3.8 |
|
3.8 |
|
3.7 |
|
4.3 |
|
3.6 |
|
3.1 |
|
3.1 |
|
2.2 |
|
15.6 |
|
12.0 |
|
其他投資 |
|
0.7 |
|
0.9 |
|
0.7 |
|
0.7 |
|
0.8 |
|
0.8 |
|
1.0 |
|
2.0 |
|
3.0 |
|
4.6 |
|
投資費用 |
|
(2.7) |
|
(2.7) |
|
(2.7) |
|
(2.9) |
|
(2.9) |
|
(2.8) |
|
(2.9) |
|
(2.8) |
|
(11.0) |
|
(11.4) |
總計 |
|
$76.8 |
|
$75.6 |
|
$78.8 |
|
$79.5 |
|
$76.9 |
|
$70.5 |
|
$73.0 |
|
$75.9 |
|
$310.7 |
|
$296.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
税前收益率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
固定期限 |
|
3.11% |
|
3.02% |
|
2.96% |
|
2.90% |
|
2.95% |
|
2.97% |
|
3.02% |
|
3.20% |
|
2.99% |
|
3.04% |
|
總計 |
|
3.74% |
|
3.65% |
|
3.72% |
|
3.69% |
|
3.52% |
|
3.19% |
|
3.21% |
|
3.26% |
|
3.70% |
|
3.29% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
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。 |
16
漢諾威保險集團 |
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|
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投資組合 |
||||||||
2022年12月31日 |
||||||||
(單位:百萬) |
|
|
|
|
||||
|
|
|
|
|
|
|
更改中 |
更改中 |
|
|
加權 |
攤銷 |
|
|
網絡 |
網絡 |
網絡 |
|
|
平均值 |
成本 |
公允價值/ |
的百分比 |
未實現 |
未實現 |
未實現 |
投資類型 |
|
質量 |
或成本(1) |
進位價值 |
總計 |
損失 |
在第四季度 |
黃大仙 |
|
|
|
|
|
|
|
|
|
固定期限: |
|
|
|
|
|
|
|
|
美國財政部和政府機構 |
|
AAA級 |
$478.9 |
$420.2 |
4.8% |
$(58.7) |
$2.7 |
$(60.6) |
外國政府 |
|
BBB+ |
2.3 |
2.2 |
- |
(0.1) |
- |
(0.5) |
市政當局: |
|
|
|
|
|
|
|
|
應税 |
|
AA型 |
1,218.4 |
1,055.7 |
12.0% |
(162.7) |
(1.5) |
(186.5) |
免税 |
|
AA型 |
21.1 |
20.4 |
0.2% |
(0.7) |
0.6 |
(1.5) |
公司: |
|
|
|
|
|
|
|
|
NAIC 1 |
|
A |
1,622.3 |
1,515.2 |
17.2% |
(107.1) |
16.5 |
(176.2) |
NAIC 2 |
|
BBB |
2,086.1 |
1,874.7 |
21.3% |
(211.4) |
35.2 |
(290.3) |
NAIC 3及以下版本 |
|
B+ |
355.9 |
340.0 |
3.8% |
(15.9) |
17.5 |
(26.8) |
企業總數 |
|
BBB+ |
4,064.3 |
3,729.9 |
42.3% |
(334.4) |
69.2 |
(493.3) |
資產支持: |
|
|
|
|
|
|
|
|
住房抵押貸款支持 |
|
AAA級 |
1,215.3 |
1,073.8 |
12.2% |
(141.5) |
6.5 |
(142.9) |
商業抵押貸款支持 |
|
AAA級 |
924.1 |
836.4 |
9.5% |
(87.7) |
3.3 |
(109.7) |
資產擔保 |
|
AA型 |
370.1 |
343.2 |
3.9% |
(26.9) |
(0.5) |
(26.8) |
總固定到期日 |
|
A+ |
8,294.5 |
7,481.8 |
84.9% |
(812.7) |
80.3 |
(1,021.8) |
有限合夥企業和其他投資 |
|
|
397.5 |
397.5 |
4.5% |
- |
- |
- |
按揭貸款及其他貸款 |
|
|
388.6 |
388.6 |
4.4% |
- |
- |
- |
股權證券 |
|
|
241.9 |
241.9 |
2.7% |
- |
- |
- |
總投資 |
|
|
9,322.5 |
8,509.8 |
96.5% |
(812.7) |
80.3 |
(1,021.8) |
現金和現金等價物 |
|
|
305.0 |
305.0 |
3.5% |
- |
- |
- |
總計 |
|
|
$9,627.5 |
$8,814.8 |
100.0% |
$(812.7) |
$80.3 |
$(1,021.8) |
|
|
|
|
|
|
|
|
|
(1)扣除信貸損失準備530萬美元后的淨額。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
17
漢諾威保險集團 |
|
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|
|||
信用質量和固定期限 |
|
||||||||||||
2022年12月31日 |
|
||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|||
(單位:百萬) |
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|
|
|
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|
||||
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|
|
|
|
|
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|
|||
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 |
$ |
|
5,761.4 |
|
$ |
|
5,192.4 |
|
|
69.4 |
% |
|
2 |
BAA |
|
|
2,177.1 |
|
|
|
1,949.4 |
|
|
26.1 |
% |
|
3 |
基數 |
|
|
160.3 |
|
|
|
153.4 |
|
|
2.0 |
% |
|
4 |
B |
|
|
178.9 |
|
|
|
171.3 |
|
|
2.3 |
% |
|
5 |
CAA及更低版本 |
|
|
15.0 |
|
|
|
14.2 |
|
|
0.2 |
% |
|
6 |
違約或接近違約 |
|
|
1.8 |
|
$ |
|
1.1 |
|
|
- |
|
|
總固定到期日 |
|
$ |
|
8,294.5 |
|
$ |
|
7,481.8 |
|
|
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 |
$ |
|
1,614.2 |
|
$ |
|
1,580.3 |
|
|
21.1 |
% |
|
|
2-4年 |
|
|
2,170.6 |
|
|
|
2,056.8 |
|
|
27.5 |
% |
|
|
4-6年 |
|
|
2,044.2 |
|
|
|
1,850.6 |
|
|
24.8 |
% |
|
|
6-8年 |
|
|
2,004.3 |
|
|
|
1,638.7 |
|
|
21.9 |
% |
|
|
8-10年 |
|
|
339.5 |
|
|
|
263.6 |
|
|
3.5 |
% |
|
|
10年以上 |
|
|
121.7 |
|
|
|
91.8 |
|
|
1.2 |
% |
|
總固定到期日 |
|
|
$ |
|
8,294.5 |
|
$ |
|
7,481.8 |
|
|
100.0 |
% |
加權平均持續時間 |
|
|
|
4.3 |
|
|
|
|
|
|
|||
|
|
|
|
|
|
|
|
|
|
|
|||
(1)扣除信貸損失準備210萬美元后的淨額。 |
|
|
|
|
|
|
|
|
18
|
|
|
|
|
企業和市政固定期限控股前25名 |
||||
2022年12月31日 |
||||
|
|
|
|
|
(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 |
$46.7 |
$41.8 |
0.47% |
AAA級 |
摩根士丹利 |
35.9 |
32.7 |
0.37% |
A- |
俄亥俄州 |
34.2 |
26.0 |
0.29% |
AA+ |
紐約梅隆銀行 |
32.4 |
31.1 |
0.35% |
A |
高盛 |
32.0 |
29.3 |
0.33% |
BBB+ |
公民金融集團 |
30.9 |
28.0 |
0.32% |
BBB+ |
馬薩諸塞州學校建築局 |
30.8 |
24.6 |
0.28% |
AA+ |
第一資本金融 |
29.9 |
27.2 |
0.31% |
BBB |
三菱金融集團 |
29.1 |
27.1 |
0.31% |
A- |
美國銀行 |
28.9 |
27.7 |
0.31% |
A |
美國銀行 |
28.2 |
27.1 |
0.31% |
A- |
摩根大通 |
28.0 |
25.7 |
0.29% |
A- |
Truist Financial |
27.3 |
26.3 |
0.30% |
A- |
俄勒岡州 |
27.2 |
22.3 |
0.25% |
AA+ |
哥倫比亞特區 |
27.0 |
21.5 |
0.24% |
AAA級 |
西太平洋銀行 |
27.0 |
25.2 |
0.29% |
A |
花旗集團 |
26.8 |
24.7 |
0.28% |
BBB+ |
科羅拉多州住房和金融局 |
25.9 |
24.8 |
0.28% |
AAA級 |
PNC銀行 |
25.7 |
24.3 |
0.28% |
A |
加州州立大學 |
25.0 |
19.4 |
0.22% |
AA- |
SVB金融集團 |
24.7 |
20.8 |
0.24% |
BBB |
嘉信理財 |
24.6 |
22.8 |
0.26% |
A |
瑞銀集團 |
24.1 |
21.9 |
0.25% |
A- |
聯合健康集團 |
23.9 |
21.7 |
0.25% |
A+ |
信諾 |
23.6 |
21.3 |
0.24% |
A- |
排名前25位的企業和市政 |
$719.8 |
$645.3 |
7.32% |
|
|
|
|
|
|
(1)-代表國家認可的評級機構來源。 |
|
|
|
|
19
漢諾威保險集團 |
||||||||||||||||||||
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
營業收入(虧損)與淨收入(虧損)的對賬 |
||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至12月31日的三個月 |
|
截至十二月三十一日止的年度 |
||||||||||||||||
|
|
2022 |
|
2021 |
|
2022 |
|
2021 |
||||||||||||
(單位:百萬,不包括每股數據) |
|
|
$ |
人均 |
|
|
$ |
人均 |
|
|
$ |
人均 |
|
|
$ |
人均 |
||||
營業收入(虧損) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
核心商業 |
|
$ |
(52.7) |
|
|
|
$ |
71.9 |
|
|
|
$ |
106.9 |
|
|
|
$ |
138.0 |
|
|
專業 |
|
|
43.9 |
|
|
|
|
49.0 |
|
|
|
|
186.0 |
|
|
|
|
131.9 |
|
|
個人專線 |
|
|
(29.1) |
|
|
|
|
40.9 |
|
|
|
|
(8.8) |
|
|
|
|
158.5 |
|
|
其他 |
|
|
(0.3) |
|
|
|
|
1.1 |
|
|
|
|
1.0 |
|
|
|
|
3.9 |
|
|
總計 |
|
|
(38.2) |
|
|
|
|
162.9 |
|
|
|
|
285.1 |
|
|
|
|
432.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
利息支出 |
|
|
(8.6) |
|
|
|
|
(8.5) |
|
|
|
|
(34.1) |
|
|
|
|
(34.0) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
所得税前營業收入(虧損) |
|
|
(46.8) |
$ |
(1.31) |
|
|
154.4 |
$ |
4.27 |
|
|
251.0 |
$ |
6.95 |
|
|
398.3 |
$ |
10.93 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
營業收入(虧損)的所得税優惠(費用) |
|
|
9.4 |
|
0.26 |
|
|
(32.3) |
|
(0.89) |
|
|
(51.1) |
|
(1.42) |
|
|
(80.0) |
|
(2.20) |
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
所得税後營業收入(虧損) |
|
|
(37.4) |
|
(1.05) |
|
|
122.1 |
|
3.38 |
|
|
199.9 |
|
5.53 |
|
|
318.3 |
|
8.73 |
|
|
|
|
|
|
|
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
非經營性項目: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
銷售和其他業務的已實現淨收益(虧損) |
|
|
(10.2) |
|
(0.29) |
|
|
(2.2) |
|
(0.06) |
|
|
(26.5) |
|
(0.73) |
|
|
4.6 |
|
0.13 |
權益證券公允價值淨變動 |
|
|
42.8 |
|
1.20 |
|
|
53.2 |
|
1.47 |
|
|
(63.3) |
|
(1.75) |
|
|
119.1 |
|
3.27 |
投資的回收(減值): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
與信貸相關的恢復(減值) |
|
|
(0.4) |
|
(0.01) |
|
|
(0.3) |
|
(0.01) |
|
|
(1.9) |
|
(0.05) |
|
|
0.3 |
|
0.01 |
出售證券的意向損失 |
|
|
- |
|
- |
|
|
(0.3) |
|
(0.01) |
|
|
(14.8) |
|
(0.41) |
|
|
(1.0) |
|
(0.03) |
|
|
|
(0.4) |
|
(0.01) |
|
|
(0.6) |
|
(0.02) |
|
|
(16.7) |
|
(0.46) |
|
|
(0.7) |
|
(0.02) |
其他營業外項目 |
|
|
(0.1) |
|
- |
|
|
- |
|
- |
|
|
(0.5) |
|
(0.02) |
|
|
- |
|
- |
非經營性項目所得税優惠(費用) |
|
|
(6.6) |
|
(0.18) |
|
|
(9.7) |
|
(0.26) |
|
|
23.9 |
|
0.66 |
|
|
(21.3) |
|
(0.59) |
持續經營所得(虧損),税後淨額 |
|
|
(11.9) |
|
(0.33) |
|
|
162.8 |
|
4.51 |
|
|
116.8 |
|
3.23 |
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420.0 |
|
11.52 |
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|
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- |
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停產業務(税後淨額): |
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- |
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- |
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喬叟業務的收入 |
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- |
|
- |
|
|
1.2 |
|
0.03 |
|
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- |
|
- |
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|
1.2 |
|
0.03 |
終止壽險業務的收入(虧損) |
|
|
0.3 |
|
- |
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|
(0.5) |
|
(0.01) |
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|
(0.8) |
|
(0.02) |
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|
(2.5) |
|
(0.06) |
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淨收益(虧損) |
|
$ |
(11.6) |
$ |
(0.33) |
|
$ |
163.5 |
$ |
4.53 |
|
$ |
116.0 |
$ |
3.21 |
|
$ |
418.7 |
$ |
11.49 |
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(1)所得税前及税後營業虧損、非營業項目、持續經營虧損、税項淨額及淨虧損指標均以基本已發行股份計算。 |
20
漢諾威保險集團 |
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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衡量標準包括扣除利息支出和所得税前的營業收入(虧損)、税後營業收入(虧損)總額、每股所得税後營業收入(虧損)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(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以及所有其他衡量標準包括巨災損失發展)和儲備發展。 |
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扣除利息支出和所得税前的營業收入(虧損)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(虧損)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。扣除利息費用和所得税前的營業收入(虧損)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。税後營業收入(虧損)每股收益(有時也稱為“每股税後營業收入(虧損)”)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的淨投資收益(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數。漢諾威認為,扣除利息、支出和所得税前的營業收入(虧損)指標為投資者提供了衡量公司正在進行的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)。 |
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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。 |
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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。 |
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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。 |
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不應將扣除巨災損失或儲備開發影響的營業收入(虧損)、扣除利息、費用和所得税前和税後的營業收入(虧損)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20頁列出了截至2022年12月31日和2021年12月31日的三個月和十二個月的持續業務收入(虧損)與扣除利息支出和所得税前的營業收入(虧損)以及每股持續業務收入(虧損)到每股税後營業收入(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。 |
21
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。 |
22
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公司辦公室和 |
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截至2023年2月1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 |
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寶箱43006 |
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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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普羅維登斯,RI 02940-3066 |
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公司 |
A |
A |
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 |
A |
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 |
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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 |
|||
下表列出了最高和最低收盤價 |
|
|
以上評級是截至2023年2月1日的準確評級,可能會進行修訂。 |
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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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|
隨時被各自的評級機構取代或撤回。為 |
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高級副總裁 |
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下列期間的股息: |
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關於漢諾威的財務評級的最新信息 |
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公司財務 |
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保險集團及其附屬公司,請瀏覽 |
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郵箱:olukasheva@hanover.com |
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截至的季度 |
2022 |
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各自的評級機構。 |
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|||||
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價格範圍 |
分紅 |
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高 |
低 |
每股 |
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3月31日 |
$150.95 |
$131.19 |
$0.750 |
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6月30日 |
$154.28 |
$136.34 |
$0.750 |
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9月30日 |
$148.36 |
$124.89 |
$0.750 |
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12月31日 |
$147.47 |
$131.27 |
$0.810 |
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截至的季度 |
2021 |
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價格範圍 |
分紅 |
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高 |
低 |
每股 |
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3月31日 |
$133.12 |
$112.47 |
$0.700 |
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6月30日 |
$142.80 |
$129.83 |
$0.700 |
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9月30日 |
$142.35 |
$127.33 |
$0.700 |
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12月31日 |
$136.97 |
$121.75 |
$0.750 |
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23