附錄 99.2
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季度財務補充文件-1Q2023 | | | | | |
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本季度財務補充文件中的信息未經審計,前幾期已進行了重組,以幫助我們的財務報表用户瞭解採用ASU 2018-12與有針對性地改進長期保險合同會計有關的影響。我們未來向美國證券交易委員會提交的文件中包含的財務業績可能與本文提供的信息存在重大差異。 | | | | | |
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2023年5月1日 | | | | | |
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目錄 | | | | 頁面 |
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合併資產負債表 | | | | 3 |
合併運營報表 | | | | 4 |
財務摘要 | | | | 5 |
保險業務 | | | | 6 |
保險產品的利潤 | | | | 7-9 |
從年金和利息敏感型人壽產品及保單收入中收取的保費 | | | | 10 |
健康與人壽新年化保費 | | | | 11 |
加權平均已發行股票的計算 | | | | 12 |
法定信息 | | | | 13 |
未分配給產品線的投資收入和分配給產品線的投資收益 | | | | 14-17 |
其他投資數據 | | | | 17 |
重要物品 | | | | 18-20 |
注意事項 | | | | 21 |
CNO 金融集團有限公司
合併資產負債表
(百萬美元)
(未經審計)
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| 3 月 22 日 | | 6月22日 | | 9 月 22 日 | | 12 月 22 日 | | 3 月 23 日 | | | | | | |
資產 | | | | | | | | | | | | | | | |
投資: | | | | | | | | | | | | | | | |
固定到期日,可供出售,按公允價值計算 | $ | 23,479.4 | | | $ | 21,362.7 | | | $ | 20,301.1 | | | $ | 20,353.4 | | | $ | 21,107.1 | | | | | | | |
公允價值的股權證券 | 91.0 | | | 136.9 | | | 135.8 | | | 135.3 | | | 106.1 | | | | | | | |
抵押貸款 | 1,213.3 | | | 1,215.3 | | | 1,227.3 | | | 1,411.9 | | | 1,676.1 | | | | | | | |
保單貸款 | 119.5 | | | 119.5 | | | 120.2 | | | 121.6 | | | 123.0 | | | | | | | |
交易證券 | 223.0 | | | 198.9 | | | 223.3 | | | 207.9 | | | 208.1 | | | | | | | |
可變利息實體持有的投資 | 1,180.8 | | | 1,107.7 | | | 1,099.2 | | | 1,077.6 | | | 1,017.9 | | | | | | | |
其他投資資產 | 1,121.8 | | | 1,086.6 | | | 1,028.6 | | | 1,034.7 | | | 1,097.1 | | | | | | | |
投資總額 | 27,428.8 | | | 25,227.6 | | | 24,135.5 | | | 24,342.4 | | | 25,335.4 | | | | | | | |
現金及現金等價物-不受限制 | 546.0 | | | 567.2 | | | 498.0 | | | 575.7 | | | 425.0 | | | | | | | |
可變利息實體持有的現金和現金等價物 | 48.0 | | | 52.2 | | | 55.5 | | | 69.2 | | | 97.1 | | | | | | | |
應計投資收益 | 227.9 | | | 224.1 | | | 236.0 | | | 235.6 | | | 241.3 | | | | | | | |
未來利潤的現值 | 223.2 | | | 216.4 | | | 210.0 | | | 203.7 | | | 197.6 | | | | | | | |
遞延收購成本 | 1,659.6 | | | 1,697.4 | | | 1,731.4 | | | 1,770.9 | | | 1,811.3 | | | | | | | |
再保險應收賬款 | 4,387.0 | | | 4,288.0 | | | 4,218.6 | | | 4,223.4 | | | 4,189.6 | | | | | | | |
市場風險收益資產 | 16.9 | | | 37.3 | | | 56.3 | | | 65.3 | | | 57.8 | | | | | | | |
所得税資產,淨額 | 773.1 | | | 951.9 | | | 1,023.9 | | | 1,063.4 | | | 988.1 | | | | | | | |
在單獨賬户中持有的資產 | 3.6 | | | 3.0 | | | 2.7 | | | 2.7 | | | 2.8 | | | | | | | |
其他資產 | 671.0 | | | 566.9 | | | 552.2 | | | 580.8 | | | 669.0 | | | | | | | |
總資產 | $ | 35,985.1 | | | $ | 33,832.0 | | | $ | 32,720.1 | | | $ | 33,133.1 | | | $ | 34,015.0 | | | | | | | |
負債 | | | | | | | | | | | | | | | |
保險產品的負債: | | | | | | | | | | | | | | | |
保單持有人賬户負債 | $ | 14,725.6 | | | $ | 14,959.4 | | | $ | 15,079.7 | | | $ | 15,234.2 | | | $ | 15,302.9 | | | | | | | |
未來的保單福利 | 13,206.1 | | | 11,784.9 | | | 10,815.5 | | | 11,240.2 | | | 11,623.3 | | | | | | | |
市場風險收益責任 | 63.8 | | | 29.9 | | | 13.7 | | | 11.3 | | | 17.6 | | | | | | | |
人壽保險保單索賠的責任 | 94.1 | | | 66.2 | | | 63.9 | | | 64.1 | | | 67.6 | | | | | | | |
未賺取的保費和預付保費 | 250.0 | | | 243.4 | | | 238.2 | | | 235.0 | | | 243.5 | | | | | | | |
與單獨賬户有關的負債 | 3.6 | | | 3.0 | | | 2.7 | | | 2.7 | | | 2.8 | | | | | | | |
其他負債 | 912.3 | | | 713.2 | | | 749.4 | | | 693.9 | | | 681.3 | | | | | | | |
投資借款 | 1,640.5 | | | 1,640.2 | | | 1,639.9 | | | 1,639.5 | | | 1,839.6 | | | | | | | |
與可變利息實體相關的借款 | 1,133.1 | | | 1,125.9 | | | 1,115.3 | | | 1,104.6 | | | 1,065.4 | | | | | | | |
應付票據——公司直接債務 | 1,137.6 | | | 1,138.0 | | | 1,138.4 | | | 1,138.8 | | | 1,139.2 | | | | | | | |
負債總額 | 33,166.7 | | | 31,704.1 | | | 30,856.7 | | | 31,364.3 | | | 31,983.2 | | | | | | | |
股東權益 | | | | | | | | | | | | | | | |
普通股 | 1.2 | | | 1.1 | | | 1.1 | | | 1.1 | | | 1.1 | | | | | | | |
額外的實收資本 | 2,085.7 | | | 2,032.7 | | | 2,030.6 | | | 2,033.8 | | | 2,021.1 | | | | | | | |
留存收益 | 1,293.0 | | | 1,509.9 | | | 1,669.5 | | | 1,691.2 | | | 1,674.0 | | | | | | | |
扣除累計其他綜合收益(虧損)前的股東權益總額 | 3,379.9 | | | 3,543.7 | | | 3,701.2 | | | 3,726.1 | | | 3,696.2 | | | | | | | |
累計其他綜合收益(虧損) | (561.5) | | | (1,415.8) | | | (1,837.8) | | | (1,957.3) | | | (1,664.4) | | | | | | | |
股東權益總額 | 2,818.4 | | | 2,127.9 | | | 1,863.4 | | | 1,768.8 | | | 2,031.8 | | | | | | | |
負債和股東權益總額 | $ | 35,985.1 | | | $ | 33,832.0 | | | $ | 32,720.1 | | | $ | 33,133.1 | | | $ | 34,015.0 | | | | | | | |
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| 3 月 22 日 | | 6月22日 | | 9 月 22 日 | | 12 月 22 日 | | 3 月 23 日 | | | | | | |
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普通股每股賬面價值 | $ | 24.04 | | | $ | 18.54 | | | $ | 16.29 | | | $ | 15.47 | | | $ | 17.68 | | | | | | | |
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每股普通股的賬面價值,不包括累計的其他綜合收益(虧損)(1) (2) | $ | 28.83 | | | $ | 30.87 | | | $ | 32.36 | | | $ | 32.59 | | | $ | 32.17 | | | | | | | |
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攤薄後每股賬面價值 (1) (3) | $ | 28.28 | | | $ | 30.50 | | | $ | 31.91 | | | $ | 31.89 | | | $ | 31.82 | | | | | | | |
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CNO 金融集團有限公司
合併運營報表
(百萬美元)
(未經審計)
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| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
收入 | | | | | | | | | | | | | | | | | | | |
保單收入 | $ | 625.0 | | | $ | 625.6 | | | $ | 623.2 | | | $ | 626.0 | | | $ | 2,499.8 | | | $ | 625.5 | | | | | | | | | |
淨投資收益: | | | | | | | | | | | | | | | | | | | |
一般賬户資產 | 277.5 | | | 317.7 | | | 289.0 | | | 294.8 | | | 1,179.0 | | | 292.2 | | | | | | | | | |
保單持有人和其他特殊用途投資組合 | (69.3) | | | (93.8) | | | (20.9) | | | 20.9 | | | (163.1) | | | 50.8 | | | | | | | | | |
投資收益(虧損): | | | | | | | | | | | | | | | | | | | |
已實現的投資收益(虧損) | 18.8 | | | (7.0) | | | (8.2) | | | (21.5) | | | (17.9) | | | (14.6) | | | | | | | | | |
其他投資損失 | (51.5) | | | (41.8) | | | (9.5) | | | (14.7) | | | (117.5) | | | — | | | | | | | | | |
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投資損失總額 | (32.7) | | | (48.8) | | | (17.7) | | | (36.2) | | | (135.4) | | | (14.6) | | | | | | | | | |
費用收入和其他收入 | 42.4 | | | 54.3 | | | 31.7 | | | 68.1 | | | 196.5 | | | 52.1 | | | | | | | | | |
總收入 | 842.9 | | | 855.0 | | | 905.3 | | | 973.6 | | | 3,576.8 | | | 1,006.0 | | | | | | | | | |
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福利和開支 | | | | | | | | | | | | | | | | | | | |
保險單福利 | 333.9 | | | 302.2 | | | 396.1 | | | 583.2 | | | 1,615.4 | | | 609.7 | | | | | | | | | |
未來保單福利重新計量(收益)損失的負債 | 7.0 | | | 0.3 | | | (5.0) | | | (17.9) | | | (15.6) | | | 0.6 | | | | | | | | | |
市場風險收益公允價值的變化 | (32.7) | | | (50.3) | | | (34.9) | | | (22.3) | | | (140.2) | | | 14.8 | | | | | | | | | |
利息支出 | 23.8 | | | 27.8 | | | 37.6 | | | 47.8 | | | 137.0 | | | 54.7 | | | | | | | | | |
攤銷 | 52.3 | | | 52.7 | | | 53.5 | | | 54.3 | | | 212.8 | | | 55.5 | | | | | | | | | |
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其他運營成本和支出 | 218.3 | | | 222.5 | | | 230.1 | | | 280.0 | | | 950.9 | | | 271.7 | | | | | | | | | |
福利和支出總額 | 602.6 | | | 555.2 | | | 677.4 | | | 925.1 | | | 2,760.3 | | | 1,007.0 | | | | | | | | | |
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所得税前收入(虧損) | 240.3 | | | 299.8 | | | 227.9 | | | 48.5 | | | 816.5 | | | (1.0) | | | | | | | | | |
期內收入(虧損)的所得税支出(收益) | 56.9 | | | 66.5 | | | 52.0 | | | 10.5 | | | 185.9 | | | (0.2) | | | | | | | | | |
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淨收益(虧損) | $ | 183.4 | | | $ | 233.3 | | | $ | 175.9 | | | $ | 38.0 | | | $ | 630.6 | | | $ | (0.8) | | | | | | | | | |
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CNO 金融集團有限公司
財務摘要
(以百萬美元計,每股數據除外)
(未經審計)
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| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
保險產品利潤率 (4) | | | | | | | | | | | | | | | | | | | |
年金保證金 | $ | 55.9 | | | $ | 60.1 | | | $ | 60.1 | | | $ | 50.8 | | | $ | 226.9 | | | $ | 57.3 | | | | | | | | | |
健康邊距 | 115.3 | | | 125.4 | | | 123.3 | | | 140.4 | | | 504.4 | | | 116.5 | | | | | | | | | |
壽命邊距 | 36.0 | | | 70.2 | | | 55.7 | | | 43.3 | | | 205.2 | | | 47.4 | | | | | | | | | |
保險產品總利潤率 | 207.2 | | | 255.7 | | | 239.1 | | | 234.5 | | | 936.5 | | | 221.2 | | | | | | | | | |
分配的費用 | (144.8) | | | (152.2) | | | (150.5) | | | (149.1) | | | (596.6) | | | (157.5) | | | | | | | | | |
保險產品收入 (5) | 62.4 | | | 103.5 | | | 88.6 | | | 85.4 | | | 339.9 | | | 63.7 | | | | | | | | | |
費用收入 | 9.9 | | | 3.2 | | | 1.4 | | | 9.2 | | | 23.7 | | | 15.5 | | | | | | | | | |
未分配給產品線的投資收入 (9) | 27.0 | | | 64.6 | | | 27.1 | | | 25.2 | | | 143.9 | | | 15.5 | | | | | | | | | |
未分配給產品系列的費用 | (14.8) | | | 2.9 | | | (16.1) | | | (12.8) | | | (40.8) | | | (18.3) | | | | | | | | | |
税前營業收益 | 84.5 | | | 174.2 | | | 101.0 | | | 107.0 | | | 466.7 | | | 76.4 | | | | | | | | | |
營業收入的所得税支出 | (20.0) | | | (39.1) | | | (23.1) | | | (24.1) | | | (106.3) | | | (17.8) | | | | | | | | | |
淨營業收入 (10) | 64.5 | | | 135.1 | | | 77.9 | | | 82.9 | | | 360.4 | | | 58.6 | | | | | | | | | |
來自銷售、減值和信貸損失備抵變動的已實現投資淨收益(虧損) | (7.2) | | | (27.1) | | | (0.7) | | | (27.2) | | | (62.2) | | | (12.7) | | | | | | | | | |
在收益中確認的投資市值的淨變動 | (25.5) | | | (21.7) | | | (17.0) | | | (9.0) | | | (73.2) | | | (1.9) | | | | | | | | | |
與代理人遞延薪酬計劃相關的公允價值變動 | 22.7 | | | 14.0 | | | 12.0 | | | 0.2 | | | 48.9 | | | — | | | | | | | | | |
嵌入式衍生負債公允價值的變化和市場風險收益 | 165.4 | | | 160.6 | | | 130.6 | | | (16.4) | | | 440.2 | | | (65.1) | | | | | | | | | |
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其他 | 0.4 | | | (0.2) | | | 2.0 | | | (6.1) | | | (3.9) | | | 2.3 | | | | | | | | | |
税前淨營業收入(虧損) | 155.8 | | | 125.6 | | | 126.9 | | | (58.5) | | | 349.8 | | | (77.4) | | | | | | | | | |
非營業收入(虧損)的所得税(支出)優惠 | (36.9) | | | (27.4) | | | (28.9) | | | 13.6 | | | (79.6) | | | 18.0 | | | | | | | | | |
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淨營業收入(虧損) | 118.9 | | | 98.2 | | | 98.0 | | | (44.9) | | | 270.2 | | | (59.4) | | | | | | | | | |
淨收益(虧損) | $ | 183.4 | | | $ | 233.3 | | | $ | 175.9 | | | $ | 38.0 | | | $ | 630.6 | | | $ | (0.8) | | | | | | | | | |
攤薄後每股 | | | | | | | | | | | | | | | | | | | |
淨營業收入 | $ | 0.54 | | | $ | 1.15 | | | $ | 0.67 | | | $ | 0.71 | | | $ | 3.06 | | | $ | 0.51 | | | | | | | | | |
淨營業收入(虧損) | 0.98 | | | 0.84 | | | 0.85 | | | (0.38) | | | 2.30 | | | (0.52) | | | | | | | | | |
淨收益(虧損) | $ | 1.52 | | | $ | 1.99 | | | $ | 1.52 | | | $ | 0.33 | | | $ | 5.36 | | | $ | (0.01) | | | | | | | | | |
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CNO 金融集團有限公司
保險業務
(百萬美元)
(未經審計)
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| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
保險產品利潤率 (4) | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | |
保單收入 | $ | 5.0 | | | $ | 5.8 | | | $ | 6.3 | | | $ | 6.0 | | | $ | 23.1 | | | $ | 5.1 | | | | | | | | | |
淨投資收益 (5) (6) | 117.5 | | | 117.8 | | | 121.1 | | | 123.6 | | | 480.0 | | | 125.4 | | | | | | | | | |
保險單福利 | (9.5) | | | (6.8) | | | (6.5) | | | (15.5) | | | (38.3) | | | (8.7) | | | | | | | | | |
貸記利息 (6) | (42.5) | | | (41.4) | | | (44.8) | | | (46.8) | | | (175.5) | | | (48.1) | | | | | | | | | |
攤銷和非遞延佣金 | (14.6) | | | (15.3) | | | (16.0) | | | (16.5) | | | (62.4) | | | (16.4) | | | | | | | | | |
年金保證金 | 55.9 | | | 60.1 | | | 60.1 | | | 50.8 | | | 226.9 | | | 57.3 | | | | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | |
保單收入 | 406.7 | | | 403.5 | | | 403.5 | | | 403.6 | | | 1,617.3 | | | 401.4 | | | | | | | | | |
淨投資收益 (5) | 73.3 | | | 73.0 | | | 73.3 | | | 73.7 | | | 293.3 | | | 74.0 | | | | | | | | | |
保險單福利 | (323.1) | | | (309.9) | | | (310.8) | | | (293.7) | | | (1,237.5) | | | (318.1) | | | | | | | | | |
攤銷和非遞延佣金 | (41.6) | | | (41.2) | | | (42.7) | | | (43.2) | | | (168.7) | | | (40.8) | | | | | | | | | |
健康邊距 | 115.3 | | | 125.4 | | | 123.3 | | | 140.4 | | | 504.4 | | | 116.5 | | | | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | |
保單收入 | 213.3 | | | 216.3 | | | 213.4 | | | 216.4 | | | 859.4 | | | 219.0 | | | | | | | | | |
淨投資收益 (5) (7) | 35.5 | | | 35.2 | | | 35.4 | | | 35.8 | | | 141.9 | | | 36.3 | | | | | | | | | |
保險單福利 | (153.1) | | | (127.7) | | | (138.7) | | | (155.8) | | | (575.3) | | | (147.2) | | | | | | | | | |
貸記利息 (7) | (12.0) | | | (11.7) | | | (12.6) | | | (12.7) | | | (49.0) | | | (12.1) | | | | | | | | | |
攤銷和非遞延佣金 | (18.4) | | | (19.3) | | | (19.7) | | | (20.1) | | | (77.5) | | | (19.9) | | | | | | | | | |
廣告費用 | (29.3) | | | (22.6) | | | (22.1) | | | (20.3) | | | (94.3) | | | (28.7) | | | | | | | | | |
壽命邊距 | 36.0 | | | 70.2 | | | 55.7 | | | 43.3 | | | 205.2 | | | 47.4 | | | | | | | | | |
保險產品總利潤率 | 207.2 | | | 255.7 | | | 239.1 | | | 234.5 | | | 936.5 | | | 221.2 | | | | | | | | | |
分配的費用: | | | | | | | | | | | | | | | | | | | |
分支機構開支 | (18.1) | | | (15.4) | | | (16.5) | | | (12.3) | | | (62.3) | | | (19.8) | | | | | | | | | |
其他分配的支出 | (126.7) | | | (136.8) | | | (134.0) | | | (136.8) | | | (534.3) | | | (137.7) | | | | | | | | | |
保險產品收入 (8) | 62.4 | | | 103.5 | | | 88.6 | | | 85.4 | | | 339.9 | | | 63.7 | | | | | | | | | |
費用收入 | 9.9 | | | 3.2 | | | 1.4 | | | 9.2 | | | 23.7 | | | 15.5 | | | | | | | | | |
未分配給產品線的投資收入 (9) | 27.0 | | | 64.6 | | | 27.1 | | | 25.2 | | | 143.9 | | | 15.5 | | | | | | | | | |
未分配給產品系列的費用 | (14.8) | | | 2.9 | | | (16.1) | | | (12.8) | | | (40.8) | | | (18.3) | | | | | | | | | |
税前營業收益 | 84.5 | | | 174.2 | | | 101.0 | | | 107.0 | | | 466.7 | | | 76.4 | | | | | | | | | |
營業收入的所得税支出 | (20.0) | | | (39.1) | | | (23.1) | | | (24.1) | | | (106.3) | | | (17.8) | | | | | | | | | |
淨營業收入 (10) | $ | 64.5 | | | $ | 135.1 | | | $ | 77.9 | | | $ | 82.9 | | | $ | 360.4 | | | $ | 58.6 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
年金產品的利潤
(百萬美元)
(未經審計)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
年金保證金 (4): | | | | | | | | | | | | | | | | | | | |
固定指數年金 | | | | | | | | | | | | | | | | | | | |
保單收入 | $ | 3.0 | | | $ | 3.7 | | | $ | 3.6 | | | $ | 4.2 | | | $ | 14.5 | | | $ | 3.6 | | | | | | | | | |
淨投資收益 (5) (6) | 90.1 | | | 91.4 | | | 95.0 | | | 97.3 | | | 373.8 | | | 98.8 | | | | | | | | | |
保險單福利 | (4.6) | | | (3.1) | | | (2.0) | | | (10.3) | | | (20.0) | | | (4.1) | | | | | | | | | |
貸記利息 (6) | (30.4) | | | (29.5) | | | (33.0) | | | (34.6) | | | (127.5) | | | (36.4) | | | | | | | | | |
攤銷和非遞延佣金 | (13.3) | | | (14.1) | | | (14.7) | | | (15.3) | | | (57.4) | | | (15.4) | | | | | | | | | |
固定指數年金的利潤率 | $ | 44.8 | | | $ | 48.4 | | | $ | 48.9 | | | $ | 41.3 | | | $ | 183.4 | | | $ | 46.5 | | | | | | | | | |
平均淨保險負債 (11) | $ | 8,486.3 | | | $ | 8,711.0 | | | $ | 8,902.9 | | | $ | 9,054.2 | | | $ | 8,788.6 | | | $ | 9,183.8 | | | | | | | | | |
利潤率/平均淨保險負債 (12) | 2.11 | % | | 2.22 | % | | 2.20 | % | | 1.82 | % | | 2.09 | % | | 2.03 | % | | | | | | | | |
固定利率年金 | | | | | | | | | | | | | | | | | | | |
保單收入 | $ | 0.1 | | | $ | 0.3 | | | $ | 0.2 | | | $ | 0.2 | | | $ | 0.8 | | | $ | 0.3 | | | | | | | | | |
淨投資收益 (5) | 21.5 | | | 20.6 | | | 20.3 | | | 20.6 | | | 83.0 | | | 20.9 | | | | | | | | | |
保險單福利 | (0.4) | | | (0.6) | | | 0.1 | | | (0.2) | | | (1.1) | | | (0.1) | | | | | | | | | |
利息貸記 | (11.5) | | | (11.3) | | | (11.2) | | | (11.7) | | | (45.7) | | | (11.1) | | | | | | | | | |
攤銷和非遞延佣金 | (1.2) | | | (1.1) | | | (1.2) | | | (1.1) | | | (4.6) | | | (0.9) | | | | | | | | | |
固定利率年金的利潤 | $ | 8.5 | | | $ | 7.9 | | | $ | 8.2 | | | $ | 7.8 | | | $ | 32.4 | | | $ | 9.1 | | | | | | | | | |
平均淨保險負債 (11) | $ | 1,761.2 | | | $ | 1,712.5 | | | $ | 1,675.9 | | | $ | 1,652.6 | | | $ | 1,700.5 | | | $ | 1,630.9 | | | | | | | | | |
利潤率/平均淨保險負債 (12) | 1.93 | % | | 1.85 | % | | 1.96 | % | | 1.89 | % | | 1.91 | % | | 2.23 | % | | | | | | | | |
其他年金 | | | | | | | | | | | | | | | | | | | |
保單收入 | $ | 1.9 | | | $ | 1.8 | | | $ | 2.5 | | | $ | 1.6 | | | $ | 7.8 | | | $ | 1.2 | | | | | | | | | |
淨投資收益 (5) | 5.9 | | | 5.8 | | | 5.8 | | | 5.7 | | | 23.2 | | | 5.7 | | | | | | | | | |
保險單福利 | (4.5) | | | (3.1) | | | (4.6) | | | (5.0) | | | (17.2) | | | (4.5) | | | | | | | | | |
利息貸記 | (0.6) | | | (0.6) | | | (0.6) | | | (0.5) | | | (2.3) | | | (0.6) | | | | | | | | | |
攤銷和非遞延佣金 | (0.1) | | | (0.1) | | | (0.1) | | | (0.1) | | | (0.4) | | | (0.1) | | | | | | | | | |
其他年金的利潤 | $ | 2.6 | | | $ | 3.8 | | | $ | 3.0 | | | $ | 1.7 | | | $ | 11.1 | | | $ | 1.7 | | | | | | | | | |
平均淨保險負債 (11) | $ | 490.2 | | | $ | 484.2 | | | $ | 478.8 | | | $ | 473.6 | | | $ | 481.7 | | | $ | 469.5 | | | | | | | | | |
利潤率/平均淨保險負債 (12) | 2.12 | % | | 3.14 | % | | 2.51 | % | | 1.44 | % | | 2.30 | % | | 1.45 | % | | | | | | | | |
年金總利潤率 | $ | 55.9 | | | $ | 60.1 | | | $ | 60.1 | | | $ | 50.8 | | | $ | 226.9 | | | $ | 57.3 | | | | | | | | | |
平均淨保險負債 (11) | $ | 10,737.7 | | | $ | 10,907.7 | | | $ | 11,057.6 | | | $ | 11,180.4 | | | $ | 10,970.8 | | | $ | 11,284.2 | | | | | | | | | |
利潤率/平均淨保險負債 (12) | 2.08 | % | | 2.20 | % | | 2.17 | % | | 1.82 | % | | 2.07 | % | | 2.03 | % | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
健康產品的利潤
(百萬美元)
(未經審計)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
健康邊距 (4): | | | | | | | | | | | | | | | | | | | |
補充健康 | | | | | | | | | | | | | | | | | | | |
保單收入 | $ | 173.5 | | | $ | 172.0 | | | $ | 173.5 | | | $ | 175.3 | | | $ | 694.3 | | | $ | 179.0 | | | | | | | | | |
淨投資收益 (5) | 37.4 | | | 37.6 | | | 37.7 | | | 38.2 | | | 150.9 | | | 38.6 | | | | | | | | | |
保險單福利 | (129.3) | | | (128.1) | | | (125.8) | | | (125.6) | | | (508.8) | | | (128.2) | | | | | | | | | |
攤銷和非遞延佣金 | (25.5) | | | (25.5) | | | (26.9) | | | (27.6) | | | (105.5) | | | (26.1) | | | | | | | | | |
補充健康的利潤 | $ | 56.1 | | | $ | 56.0 | | | $ | 58.5 | | | $ | 60.3 | | | $ | 230.9 | | | $ | 63.3 | | | | | | | | | |
保證金/保單收入 | 32 | % | | 33 | % | | 34 | % | | 34 | % | | 33 | % | | 35 | % | | | | | | | | |
醫療保險補助金 | | | | | | | | | | | | | | | | | | | |
保單收入 | $ | 166.8 | | | $ | 165.1 | | | $ | 163.6 | | | $ | 162.3 | | | $ | 657.8 | | | $ | 156.5 | | | | | | | | | |
淨投資收益 (5) | 1.3 | | | 1.4 | | | 1.4 | | | 1.3 | | | 5.4 | | | 1.3 | | | | | | | | | |
保險單福利 | (120.5) | | | (114.1) | | | (113.9) | | | (113.4) | | | (461.9) | | | (120.5) | | | | | | | | | |
攤銷和非遞延佣金 | (13.0) | | | (12.6) | | | (12.4) | | | (12.3) | | | (50.3) | | | (11.2) | | | | | | | | | |
醫療保險補助金的利潤 | $ | 34.6 | | | $ | 39.8 | | | $ | 38.7 | | | $ | 37.9 | | | $ | 151.0 | | | $ | 26.1 | | | | | | | | | |
保證金/保單收入 | 21 | % | | 24 | % | | 24 | % | | 23 | % | | 23 | % | | 17 | % | | | | | | | | |
長期護理 | | | | | | | | | | | | | | | | | | | |
保單收入 | $ | 66.4 | | | $ | 66.4 | | | $ | 66.4 | | | $ | 66.0 | | | $ | 265.2 | | | $ | 65.9 | | | | | | | | | |
淨投資收益 (5) | 34.6 | | | 34.0 | | | 34.2 | | | 34.2 | | | 137.0 | | | 34.1 | | | | | | | | | |
保險單福利 | (73.3) | | | (67.7) | | | (71.1) | | | (54.7) | | | (266.8) | | | (69.4) | | | | | | | | | |
攤銷和非遞延佣金 | (3.1) | | | (3.1) | | | (3.4) | | | (3.3) | | | (12.9) | | | (3.5) | | | | | | | | | |
長期護理的利潤 | $ | 24.6 | | | $ | 29.6 | | | $ | 26.1 | | | $ | 42.2 | | | $ | 122.5 | | | $ | 27.1 | | | | | | | | | |
保證金/保單收入 | 37 | % | | 45 | % | | 39 | % | | 64 | % | | 46 | % | | 41 | % | | | | | | | | |
總健康邊距 | $ | 115.3 | | | $ | 125.4 | | | $ | 123.3 | | | $ | 140.4 | | | $ | 504.4 | | | $ | 116.5 | | | | | | | | | |
保證金/保單收入 | 28 | % | | 31 | % | | 31 | % | | 35 | % | | 31 | % | | 29 | % | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
人壽產品利潤
(百萬美元)
(未經審計)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
壽命邊距 (4): | | | | | | | | | | | | | | | | | | | |
興趣敏感型生活 | | | | | | | | | | | | | | | | | | | |
保單收入 | $ | 43.1 | | | $ | 43.8 | | | $ | 43.5 | | | $ | 44.2 | | | $ | 174.6 | | | $ | 44.5 | | | | | | | | | |
淨投資收益 (5) (7) | 13.0 | | | 12.8 | | | 12.9 | | | 12.9 | | | 51.6 | | | 13.1 | | | | | | | | | |
保險單福利 | (21.2) | | | (15.8) | | | (20.5) | | | (17.7) | | | (75.2) | | | (18.2) | | | | | | | | | |
貸記利息 (7) | (11.9) | | | (11.5) | | | (12.4) | | | (12.5) | | | (48.3) | | | (12.0) | | | | | | | | | |
攤銷和非遞延佣金 | (5.7) | | | (5.9) | | | (5.9) | | | (5.7) | | | (23.2) | | | (4.6) | | | | | | | | | |
利息敏感型人壽的利潤 | $ | 17.3 | | | $ | 23.4 | | | $ | 17.6 | | | $ | 21.2 | | | $ | 79.5 | | | $ | 22.8 | | | | | | | | | |
平均淨保險負債 (11) | $ | 1,009.4 | | | $ | 1,016.4 | | | $ | 1,019.2 | | | $ | 1,026.9 | | | $ | 1,018.0 | | | $ | 1,032.0 | | | | | | | | | |
利息差率 | $ | 1.1 | | | $ | 1.3 | | | $ | 0.5 | | | $ | 0.4 | | | $ | 3.3 | | | $ | 1.1 | | | | | | | | | |
利息率/平均淨保險負債 (12) | 0.44 | % | | 0.51 | % | | 0.20 | % | | 0.16 | % | | 0.32 | % | | 0.43 | % | | | | | | | | |
承保保證金 | $ | 16.2 | | | $ | 22.1 | | | $ | 17.1 | | | $ | 20.8 | | | $ | 76.2 | | | $ | 21.7 | | | | | | | | | |
承保保證金/保單收入 | 38 | % | | 50 | % | | 39 | % | | 47 | % | | 44 | % | | 49 | % | | | | | | | | |
傳統生活 | | | | | | | | | | | | | | | | | | | |
保單收入 | $ | 170.2 | | | $ | 172.5 | | | $ | 169.9 | | | $ | 172.2 | | | $ | 684.8 | | | $ | 174.5 | | | | | | | | | |
淨投資收益 (5) | 22.5 | | | 22.4 | | | 22.5 | | | 22.9 | | | 90.3 | | | 23.2 | | | | | | | | | |
保險單福利 | (131.9) | | | (111.9) | | | (118.2) | | | (138.1) | | | (500.1) | | | (129.0) | | | | | | | | | |
利息貸記 | (0.1) | | | (0.2) | | | (0.2) | | | (0.2) | | | (0.7) | | | (0.1) | | | | | | | | | |
攤銷和非遞延佣金 | (12.7) | | | (13.4) | | | (13.8) | | | (14.4) | | | (54.3) | | | (15.3) | | | | | | | | | |
廣告費用 | (29.3) | | | (22.6) | | | (22.1) | | | (20.3) | | | (94.3) | | | (28.7) | | | | | | | | | |
與傳統生活相比的差距 | $ | 18.7 | | | $ | 46.8 | | | $ | 38.1 | | | $ | 22.1 | | | $ | 125.7 | | | $ | 24.6 | | | | | | | | | |
保證金/保單收入 | 11 | % | | 27 | % | | 22 | % | | 13 | % | | 18 | % | | 14 | % | | | | | | | | |
利潤率不包括廣告費用/保險單收入 | 28 | % | | 40 | % | | 35 | % | | 25 | % | | 32 | % | | 31 | % | | | | | | | | |
人壽總利潤 | $ | 36.0 | | | $ | 70.2 | | | $ | 55.7 | | | $ | 43.3 | | | $ | 205.2 | | | $ | 47.4 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
從年金和利息敏感型人壽產品中收取的保費
和保險單收入
(百萬美元)
(未經審計)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
從年金和利息敏感型人壽產品中收取的保費: | | | | | | | | | | | | | | | | | | | |
年金 | $ | 368.6 | | | $ | 435.0 | | | $ | 370.0 | | | $ | 431.0 | | | $ | 1,604.6 | | | $ | 370.9 | | | | | | | | | |
利益敏感型生活 | 56.6 | | | 56.6 | | | 56.6 | | | 58.1 | | | 227.9 | | | 58.2 | | | | | | | | | |
從年金和利息敏感型人壽產品中收取的保費總額 | $ | 425.2 | | | $ | 491.6 | | | $ | 426.6 | | | $ | 489.1 | | | $ | 1,832.5 | | | $ | 429.1 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
保單收入: | | | | | | | | | | | | | | | | | | | |
年金產品 | | | | | | | | | | | | | | | | | | | |
固定指數年金 | $ | 3.0 | | | $ | 3.7 | | | $ | 3.6 | | | $ | 4.2 | | | $ | 14.5 | | | $ | 3.6 | | | | | | | | | |
固定利率年金 | 0.1 | | | 0.3 | | | 0.2 | | | 0.2 | | | 0.8 | | | 0.3 | | | | | | | | | |
其他年金 | 1.9 | | | 1.8 | | | 2.5 | | | 1.6 | | | 7.8 | | | 1.2 | | | | | | | | | |
年金保險保單總收入 | 5.0 | | | 5.8 | | | 6.3 | | | 6.0 | | | 23.1 | | | 5.1 | | | | | | | | | |
健康產品 | | | | | | | | | | | | | | | | | | | |
補充健康 | 173.5 | | | 172.0 | | | 173.5 | | | 175.3 | | | 694.3 | | | 179.0 | | | | | | | | | |
醫療保險補助金 | 166.8 | | | 165.1 | | | 163.6 | | | 162.3 | | | 657.8 | | | 156.5 | | | | | | | | | |
長期護理 | 66.4 | | | 66.4 | | | 66.4 | | | 66.0 | | | 265.2 | | | 65.9 | | | | | | | | | |
健康保險單總收入 | 406.7 | | | 403.5 | | | 403.5 | | | 403.6 | | | 1,617.3 | | | 401.4 | | | | | | | | | |
生活用品 | | | | | | | | | | | | | | | | | | | |
利益敏感型生活 | 43.1 | | | 43.8 | | | 43.5 | | | 44.1 | | | 174.5 | | | 44.5 | | | | | | | | | |
傳統生活 | 170.2 | | | 172.5 | | | 169.9 | | | 172.3 | | | 684.9 | | | 174.5 | | | | | | | | | |
人壽保險保單總收入 | 213.3 | | | 216.3 | | | 213.4 | | | 216.4 | | | 859.4 | | | 219.0 | | | | | | | | | |
保單總收入 | $ | 625.0 | | | $ | 625.6 | | | $ | 623.2 | | | $ | 626.0 | | | $ | 2,499.8 | | | $ | 625.5 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
健康與生命
新的年化保費(“NAP”)
(百萬美元)
(未經審計)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
消費者部 | | | | | | | | | | | | | | | | | | | |
健康產品: | | | | | | | | | | | | | | | | | | | |
補充健康 | $ | 15.5 | | | $ | 16.7 | | | $ | 19.3 | | | $ | 24.6 | | | $ | 76.1 | | | $ | 17.4 | | | | | | | | | |
醫療保險補助金 | 6.5 | | | 6.9 | | | 8.0 | | | 10.4 | | | 31.8 | | | 7.8 | | | | | | | | | |
長期護理 | 6.8 | | | 6.1 | | | 6.0 | | | 6.2 | | | 25.1 | | | 6.2 | | | | | | | | | |
消費者部健康總量 NAP | 28.8 | | | 29.7 | | | 33.3 | | | 41.2 | | | 133.0 | | | 31.4 | | | | | | | | | |
生活用品: | | | | | | | | | | | | | | | | | | | |
興趣敏感型生活 | 5.1 | | | 4.8 | | | 4.6 | | | 4.4 | | | 18.9 | | | 4.6 | | | | | | | | | |
傳統生活 | 48.2 | | | 44.3 | | | 38.2 | | | 33.2 | | | 163.9 | | | 49.7 | | | | | | | | | |
消費者部總壽命 NAP | 53.3 | | | 49.1 | | | 42.8 | | | 37.6 | | | 182.8 | | | 54.3 | | | | | | | | | |
消費者部健康與生活 NAP | $ | 82.1 | | | $ | 78.8 | | | $ | 76.1 | | | $ | 78.8 | | | $ | 315.8 | | | $ | 85.7 | | | | | | | | | |
工地部 | | | | | | | | | | | | | | | | | | | |
健康產品: | | | | | | | | | | | | | | | | | | | |
補充健康 | $ | 6.0 | | | $ | 7.7 | | | $ | 8.9 | | | $ | 8.7 | | | $ | 31.3 | | | $ | 8.1 | | | | | | | | | |
生活用品: | | | | | | | | | | | | | | | | | | | |
興趣敏感型生活 | 2.5 | | | 2.3 | | | 2.3 | | | 3.2 | | | 10.3 | | | 2.8 | | | | | | | | | |
工作場所司總體健康和生活 NAP | $ | 8.5 | | | $ | 10.0 | | | $ | 11.2 | | | $ | 11.9 | | | $ | 41.6 | | | $ | 10.9 | | | | | | | | | |
國家行動方案總數(兩個分部) | | | | | | | | | | | | | | | | | | | |
健康產品: | | | | | | | | | | | | | | | | | | | |
補充健康 | $ | 21.5 | | | $ | 24.4 | | | $ | 28.2 | | | $ | 33.3 | | | $ | 107.4 | | | $ | 25.5 | | | | | | | | | |
醫療保險補助金 | 6.5 | | | 6.9 | | | 8.0 | | | 10.4 | | | 31.8 | | | 7.8 | | | | | | | | | |
長期護理 | 6.8 | | | 6.1 | | | 6.0 | | | 6.2 | | | 25.1 | | | 6.2 | | | | | | | | | |
全面健康 NAP | 34.8 | | | 37.4 | | | 42.2 | | | 49.9 | | | 164.3 | | | 39.5 | | | | | | | | | |
生活用品: | | | | | | | | | | | | | | | | | | | |
興趣敏感型生活 | 7.6 | | | 7.1 | | | 6.9 | | | 7.6 | | | 29.2 | | | 7.4 | | | | | | | | | |
傳統生活 | 48.2 | | | 44.3 | | | 38.2 | | | 33.2 | | | 163.9 | | | 49.7 | | | | | | | | | |
Total life | 55.8 | | | 51.4 | | | 45.1 | | | 40.8 | | | 193.1 | | | 57.1 | | | | | | | | | |
NAP 總數 | $ | 90.6 | | | $ | 88.8 | | | $ | 87.3 | | | $ | 90.7 | | | $ | 357.4 | | | $ | 96.6 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
加權平均已發行股票的計算
(千股)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 (a) | | | | | | | | |
基本 | | | | | | | | | | | | | | | | | | | |
已發行股份,期初 | 120,377.2 | | | 117,241.0 | | | 114,795.3 | | | 114,367.3 | | | 120,377.2 | | | 114,343.1 | | | | | | | | | |
該期間的加權平均股票活動: | | | | | | | | | | | | | | | | | | | |
回購的股票 | (2,098.0) | | | (1,774.6) | | | (467.6) | | | (145.1) | | | (5,579.4) | | | (255.7) | | | | | | | | | |
與員工福利計劃相關的金額 | 488.5 | | | 76.9 | | | 26.6 | | | 200.8 | | | 1,273.6 | | | 671.8 | | | | | | | | | |
為支付行使價和與員工福利計劃相關的税款而扣留的股份 | (145.5) | | | (10.2) | | | (0.6) | | | (0.9) | | | (338.6) | | | (214.3) | | | | | | | | | |
該期間流通的加權平均基本股數 | 118,622.2 | | | 115,533.1 | | | 114,353.7 | | | 114,422.1 | | | 115,732.8 | | | 114,544.9 | | | | | | | | | |
已發行基本股數,期末 | 117,241.0 | | | 114,795.3 | | | 114,367.3 | | | 114,343.1 | | | 114,343.1 | | | 114,905.2 | | | | | | | | | |
稀釋 | | | | | | | | | | | | | | | | | | | |
已發行基本股的加權平均值 | 118,622.2 | | | 115,533.1 | | | 114,353.7 | | | 114,422.1 | | | 115,732.8 | | | 114,544.9 | | | | | | | | | |
與以下相關的普通股等價股: | | | | | | | | | | | | | | | | | | | |
員工福利計劃 | 2,379.9 | | | 1,752.5 | | | 1,574.8 | | | 2,231.1 | | | 1,984.5 | | | — | | | | | | | | | |
該期間已發行攤薄後的加權平均股數 | 121,002.1 | | | 117,285.6 | | | 115,928.5 | | | 116,653.2 | | | 117,717.3 | | | 114,544.9 | | | | | | | | | |
攤薄後已發行股份,期末 | 119,502.6 | | | 116,203.1 | | | 115,970.6 | | | 116,842.1 | | | 116,842.1 | | | 116,176.0 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
___________
(a) 由於23年第一季度確認的淨虧損,2,182.5股等值普通股未包含在加權平均已發行股票中。
CNO 金融集團有限公司
法定信息-合併依據 (13)
(百萬美元)
(未經審計)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 (a) | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
扣除利息支出和聯邦所得税前的運營淨收益 | $ | 26.7 | | | $ | 87.7 | | | $ | 78.4 | | | $ | 75.0 | | | $ | 267.8 | | | $ | 58.3 | | | | | | | | | |
母公司持有的剩餘債券的利息支出 | 12.0 | | | 12.2 | | | 20.1 | | | 14.6 | | | 58.9 | | | 15.9 | | | | | | | | | |
聯邦所得税前運營淨收益 | 14.7 | | | 75.5 | | | 58.3 | | | 60.4 | | | 208.9 | | | 42.4 | | | | | | | | | |
聯邦所得税支出(福利) | (15.8) | | | (17.6) | | | (7.0) | | | (14.6) | | | (55.0) | | | 3.3 | | | | | | | | | |
扣除已實現淨資本收益(虧損)之前的運營淨收益 | 30.5 | | | 93.1 | | | 65.3 | | | 75.0 | | | 263.9 | | | 39.1 | | | | | | | | | |
已實現的淨資本收益(虧損) | — | | | (11.2) | | | (0.6) | | | (14.1) | | | (25.9) | | | (1.3) | | | | | | | | | |
淨收入 | $ | 30.5 | | | $ | 81.9 | | | $ | 64.7 | | | $ | 60.9 | | | $ | 238.0 | | | $ | 37.8 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
資本和盈餘 | $ | 1,738.0 | | | $ | 1,796.9 | | | $ | 1,847.0 | | | $ | 1,849.8 | | | $ | 1,849.8 | | | $ | 1,831.3 | | | | | | | | | |
資產估值準備金 (AVR) | 319.5 | | | 306.7 | | | 304.7 | | | 305.8 | | | 305.8 | | | 317.8 | | | | | | | | | |
資本、盈餘和AVR | 2,057.5 | | | 2,103.6 | | | 2,151.7 | | | 2,155.6 | | | 2,155.6 | | | 2,149.1 | | | | | | | | | |
維持利息準備金(IMR) | 422.4 | | | 421.3 | | | 413.0 | | | 395.7 | | | 395.7 | | | 385.6 | | | | | | | | | |
法定資本、盈餘、AVR 和 IMR 總額 | $ | 2,479.9 | | | $ | 2,524.9 | | | $ | 2,564.7 | | | $ | 2,551.3 | | | $ | 2,551.3 | | | $ | 2,534.7 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
基於風險的資本比率 | 365 | % | | 360 | % | | 375 | % | | 384 | % | | 384 | % | | 380 | % | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
___________
(a) 這些金額是初步數額,因為我們的保險子公司23年第一季度的法定基礎財務報表將根據這些數額做出
在 2023 年 5 月 15 日左右向相應的保險監管機構提交。
CNO 金融集團有限公司
未分配給產品線的投資收益 (9)
(百萬美元)
(未經審計)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| | 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
淨投資收益 | | $ | 208.2 | | | $ | 223.9 | | | $ | 268.1 | | | $ | 315.7 | | | $ | 1,015.9 | | | $ | 343.0 | | | | | | | | | |
分配給產品線: | | | | | | | | | | | | | | | | | | | | |
年金 | | (117.5) | | | (117.8) | | | (121.1) | | | (123.6) | | | (480.0) | | | (125.4) | | | | | | | | | |
健康 | | (73.3) | | | (73.0) | | | (73.3) | | | (73.7) | | | (293.3) | | | (74.0) | | | | | | | | | |
生活 | | (35.5) | | | (35.2) | | | (35.4) | | | (35.8) | | | (141.9) | | | (36.3) | | | | | | | | | |
淨值回報記入保單持有人賬户餘額 | | 71.9 | | | 92.4 | | | 34.9 | | | 6.1 | | | 205.3 | | | (18.6) | | | | | | | | | |
分配到產品系列並記入保單持有人賬户餘額的金額 | | (154.4) | | | (133.6) | | | (194.9) | | | (227.0) | | | (709.9) | | | (254.3) | | | | | | | | | |
與固定指數年金交出相關的年度期權沒收的影響 | | 1.6 | | | (0.5) | | | (1.1) | | | (1.0) | | | (1.0) | | | — | | | | | | | | | |
與可變利息實體和其他非經營項目相關的金額 | | (7.2) | | | (9.1) | | | (13.6) | | | (18.6) | | | (48.5) | | | (20.9) | | | | | | | | | |
債務利息支出 | | (15.7) | | | (15.6) | | | (15.6) | | | (15.6) | | | (62.5) | | | (15.7) | | | | | | | | | |
聯邦住房貸款銀行(“FHLB”)計劃投資借款的利息支出 | | (2.4) | | | (4.7) | | | (10.3) | | | (16.1) | | | (33.5) | | | (21.7) | | | | | | | | | |
與融資協議支持的票據(“FABN”)計劃相關的費用 (a) | | (7.3) | | | (7.6) | | | (7.5) | | | (7.6) | | | (30.0) | | | (7.6) | | | | | | | | | |
減去記入遞延補償計劃的金額(抵消投資收入) | | 4.2 | | | 11.8 | | | 2.0 | | | (4.6) | | | 13.4 | | | (7.3) | | | | | | | | | |
調整總額 | | (26.8) | | | (25.7) | | | (46.1) | | | (63.5) | | | (162.1) | | | (73.2) | | | | | | | | | |
投資收入未分配給產品線 | | $ | 27.0 | | | $ | 64.6 | | | $ | 27.1 | | | $ | 25.2 | | | $ | 143.9 | | | $ | 15.5 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
___________
(a) 包括貸記利息和遞延收購成本的攤銷。
CNO 金融集團有限公司
未分配給產品線的投資收益 (9)
(百萬美元)
(未經審計)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| | 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
未分配的投資收益: | | | | | | | | | | | | | | | | | | | | |
不包括可變組件: | | | | | | | | | | | | | | | | | | | | |
來自普通賬户資產 | | $ | 22.3 | | | $ | 27.1 | | | $ | 27.4 | | | $ | 30.7 | | | $ | 107.5 | | | $ | 24.9 | | | | | | | | | |
其他投資收益 | | 0.1 | | | 0.3 | | | 1.1 | | | 1.7 | | | 3.2 | | | 1.9 | | | | | | | | | |
點差收入: | | | | | | | | | | | | | | | | | | | | |
FHLB 項目: | | | | | | | | | | | | | | | | | | | | |
匹配資產的投資收益 | | 11.7 | | | 19.3 | | | 24.5 | | | 28.0 | | | 83.5 | | | 31.8 | | | | | | | | | |
利息支出 | | (2.4) | | | (4.7) | | | (10.3) | | | (16.1) | | | (33.5) | | | (21.7) | | | | | | | | | |
FHLB 計劃的淨利差收入 | | 9.3 | | | 14.6 | | | 14.2 | | | 11.9 | | | 50.0 | | | 10.1 | | | | | | | | | |
FABN 節目: | | | | | | | | | | | | | | | | | | | | |
匹配資產的投資收益 | | 10.1 | | | 13.2 | | | 13.2 | | | 13.6 | | | 50.1 | | | 13.8 | | | | | | | | | |
費用 (b) | | (7.3) | | | (7.6) | | | (7.5) | | | (7.6) | | | (30.0) | | | (7.6) | | | | | | | | | |
FABN 計劃的淨利差收入 | | 2.8 | | | 5.6 | | | 5.7 | | | 6.0 | | | 20.1 | | | 6.2 | | | | | | | | | |
公司債務的利息支出 | | (15.7) | | | (15.6) | | | (15.6) | | | (15.6) | | | (62.5) | | | (15.7) | | | | | | | | | |
不包括可變成分的總數 | | 18.8 | | | 32.0 | | | 32.8 | | | 34.7 | | | 118.3 | | | 27.4 | | | | | | | | | |
可變組件: | | | | | | | | | | | | | | | | | | | | |
企業自有人壽保險(“COLI”)支持代理人遞延補償計劃的淨收入: | | | | | | | | | | | | | | | | | | | | |
COLI 投資價值的變化 | | (3.4) | | | (2.3) | | | (0.2) | | | 1.5 | | | (4.4) | | | 2.2 | | | | | | | | | |
代理人遞延補償計劃的負債增加 | | (1.5) | | | (1.5) | | | (1.5) | | | (1.6) | | | (6.1) | | | (1.6) | | | | | | | | | |
大腸桿菌淨收入(虧損) | | (4.9) | | | (3.8) | | | (1.7) | | | (0.1) | | | (10.5) | | | 0.6 | | | | | | | | | |
其他可變組件: | | | | | | | | | | | | | | | | | | | | |
另類投資收益(虧損): | | | | | | | | | | | | | | | | | | | | |
總計 | | 11.3 | | | 27.1 | | | (2.5) | | | (5.2) | | | 30.7 | | | (9.4) | | | | | | | | | |
分配給產品線 | | (7.4) | | | (7.4) | | | (7.6) | | | (7.9) | | | (30.3) | | | (7.8) | | | | | | | | | |
超額另類投資收益(虧損) | | 3.9 | | | 19.7 | | | (10.1) | | | (13.1) | | | 0.4 | | | (17.2) | | | | | | | | | |
預付款和通話收入 | | 5.2 | | | 14.9 | | | 3.7 | | | 1.6 | | | 25.4 | | | 0.1 | | | | | | | | | |
交易賬户 | | 2.7 | | | 1.5 | | | 1.8 | | | 1.7 | | | 7.7 | | | 2.6 | | | | | | | | | |
與固定指數產品相關的對衝差異 | | (1.0) | | | (0.4) | | | 0.2 | | | (0.1) | | | (1.3) | | | — | | | | | | | | | |
與固定指數年金交出相關的年度期權沒收的影響 | | 1.6 | | | (0.5) | | | (1.1) | | | (1.0) | | | (1.0) | | | — | | | | | | | | | |
其他 (a) | | 0.7 | | | 1.2 | | | 1.5 | | | 1.5 | | | 4.9 | | | 2.0 | | | | | | | | | |
可變組件總數 | | 8.2 | | | 32.6 | | | (5.7) | | | (9.5) | | | 25.6 | | | (11.9) | | | | | | | | | |
未分配給產品線的總投資收入 | | $ | 27.0 | | | $ | 64.6 | | | $ | 27.1 | | | $ | 25.2 | | | $ | 143.9 | | | $ | 15.5 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
___________
(a) 包括預計現金流量和其他投資收入變動的影響。
(b) 包括貸記利息和遞延購置成本的攤銷。
CNO 金融集團有限公司
分配給產品線的投資收益 (5)
(百萬美元)
(未經審計)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| | 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
平均淨保險負債 (11) | | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | | |
固定指數年金 | | $ | 8,486.3 | | | $ | 8,711.0 | | | $ | 8,902.9 | | | $ | 9,054.2 | | | $ | 8,788.6 | | | $ | 9,183.8 | | | | | | | | | |
固定利率年金 | | 1,761.2 | | | 1,712.5 | | | 1,675.9 | | | 1,652.6 | | | 1,700.5 | | | 1,630.9 | | | | | | | | | |
其他年金 | | 490.2 | | | 484.2 | | | 478.8 | | | 473.6 | | | 481.7 | | | 469.5 | | | | | | | | | |
年金平均淨保險負債總額 (11) | | 10,737.7 | | | 10,907.7 | | | 11,057.6 | | | 11,180.4 | | | 10,970.8 | | | 11,284.2 | | | | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | | |
補充健康 | | 3,215.6 | | | 3,250.7 | | | 3,278.3 | | | 3,308.8 | | | 3,263.3 | | | 3,331.0 | | | | | | | | | |
醫療保險補助金 | | 129.5 | | | 140.3 | | | 135.1 | | | 121.9 | | | 131.7 | | | 124.2 | | | | | | | | | |
長期護理 | | 2,639.2 | | | 2,650.1 | | | 2,658.0 | | | 2,659.4 | | | 2,651.7 | | | 2,659.8 | | | | | | | | | |
健康平均淨保險負債總額 (11) | | 5,984.3 | | | 6,041.1 | | | 6,071.4 | | | 6,090.1 | | | 6,046.7 | | | 6,115.0 | | | | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | | |
對利息敏感 | | 1,009.4 | | | 1,016.4 | | | 1,019.2 | | | 1,026.9 | | | 1,018.0 | | | 1,032.0 | | | | | | | | | |
傳統 | | 1,957.1 | | | 1,951.0 | | | 1,943.7 | | | 1,956.1 | | | 1,952.0 | | | 1,973.0 | | | | | | | | | |
人壽平均淨保險負債總額 (11) | | 2,966.5 | | | 2,967.4 | | | 2,962.9 | | | 2,983.0 | | | 2,970.0 | | | 3,005.0 | | | | | | | | | |
平均淨保險負債總額 (11) | | $ | 19,688.5 | | | $ | 19,916.2 | | | $ | 20,091.9 | | | $ | 20,253.5 | | | $ | 19,987.5 | | | $ | 20,404.2 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
分配投資的平均收益率 | | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | | |
固定指數年金 | | 4.25 | % | | 4.20 | % | | 4.27 | % | | 4.30 | % | | 4.25 | % | | 4.30 | % | | | | | | | | |
固定利率年金 | | 4.88 | % | | 4.81 | % | | 4.85 | % | | 4.99 | % | | 4.88 | % | | 5.13 | % | | | | | | | | |
其他年金 | | 4.81 | % | | 4.79 | % | | 4.85 | % | | 4.81 | % | | 4.82 | % | | 4.86 | % | | | | | | | | |
分配給年金的投資的平均收益率 | | 4.38 | % | | 4.32 | % | | 4.38 | % | | 4.42 | % | | 4.38 | % | | 4.45 | % | | | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | | |
補充健康 | | 4.65 | % | | 4.63 | % | | 4.60 | % | | 4.62 | % | | 4.62 | % | | 4.64 | % | | | | | | | | |
醫療保險補助金 | | 4.11 | % | | 4.01 | % | | 4.01 | % | | 4.06 | % | | 4.05 | % | | 4.11 | % | | | | | | | | |
長期護理 | | 5.24 | % | | 5.13 | % | | 5.15 | % | | 5.14 | % | | 5.17 | % | | 5.13 | % | | | | | | | | |
分配給健康產品的投資的平均收益率 | | 4.90 | % | | 4.83 | % | | 4.83 | % | | 4.84 | % | | 4.85 | % | | 4.84 | % | | | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | | |
對利息敏感 | | 5.15 | % | | 5.04 | % | | 5.06 | % | | 5.02 | % | | 5.07 | % | | 5.08 | % | | | | | | | | |
傳統 | | 4.60 | % | | 4.59 | % | | 4.63 | % | | 4.68 | % | | 4.63 | % | | 4.70 | % | | | | | | | | |
分配給人壽產品的投資的平均收益率 | | 4.79 | % | | 4.74 | % | | 4.78 | % | | 4.80 | % | | 4.78 | % | | 4.83 | % | | | | | | | | |
總平均收益率 | | 4.60 | % | | 4.54 | % | | 4.57 | % | | 4.60 | % | | 4.58 | % | | 4.62 | % | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
分配的投資收益 | | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | | |
固定指數年金 | | $ | 90.1 | | | $ | 91.4 | | | $ | 95.0 | | | $ | 97.3 | | | $ | 373.8 | | | $ | 98.8 | | | | | | | | | |
固定利率年金 | | 21.5 | | | 20.6 | | | 20.3 | | | 20.6 | | | 83.0 | | | 20.9 | | | | | | | | | |
其他年金 | | 5.9 | | | 5.8 | | | 5.8 | | | 5.7 | | | 23.2 | | | 5.7 | | | | | | | | | |
分配給年金的投資收入總額 | | 117.5 | | | 117.8 | | | 121.1 | | | 123.6 | | | 480.0 | | | 125.4 | | | | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | | |
補充健康 | | 37.4 | | | 37.6 | | | 37.7 | | | 38.2 | | | 150.9 | | | 38.6 | | | | | | | | | |
醫療保險補助金 | | 1.3 | | | 1.4 | | | 1.4 | | | 1.3 | | | 5.4 | | | 1.3 | | | | | | | | | |
長期護理 | | 34.6 | | | 34.0 | | | 34.2 | | | 34.2 | | | 137.0 | | | 34.1 | | | | | | | | | |
分配給健康產品的投資收入總額 | | 73.3 | | | 73.0 | | | 73.3 | | | 73.7 | | | 293.3 | | | 74.0 | | | | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | | |
對利息敏感 | | 13.0 | | | 12.8 | | | 12.9 | | | 12.9 | | | 51.6 | | | 13.1 | | | | | | | | | |
傳統 | | 22.5 | | | 22.4 | | | 22.5 | | | 22.9 | | | 90.3 | | | 23.2 | | | | | | | | | |
分配給人壽產品的總投資收益 | | 35.5 | | | 35.2 | | | 35.4 | | | 35.8 | | | 141.9 | | | 36.3 | | | | | | | | | |
分配的投資收入總額 | | $ | 226.3 | | | $ | 226.0 | | | $ | 229.8 | | | $ | 233.1 | | | $ | 915.2 | | | $ | 235.7 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
未分配給產品線的投資收益 (9)
(百萬美元)
(未經審計)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | YTD | | 1Q | | | | | | | | |
| | 2022 | | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | | | |
普通賬户資產投資收益 | | $ | 277.5 | | | $ | 317.7 | | | $ | 289.0 | | | $ | 294.8 | | | $ | 1,179.0 | | | $ | 292.2 | | | | | | | | | |
保單持有人和其他特殊用途投資組合投資收益(虧損) | | (69.3) | | | (93.8) | | | (20.9) | | | 20.9 | | | (163.1) | | | 50.8 | | | | | | | | | |
減去記入保單持有人的股本回報: | | | | | | | | | | | | | | | | | | | | |
年金 | | 64.3 | | | 80.1 | | | 30.9 | | | 6.0 | | | 181.3 | | | (16.5) | | | | | | | | | |
生活 | | 7.6 | | | 12.3 | | | 4.0 | | | 0.1 | | | 24.0 | | | (2.1) | | | | | | | | | |
減少與可變利息實體相關的金額 | | (7.2) | | | (9.1) | | | (13.6) | | | (18.6) | | | (48.5) | | | (20.9) | | | | | | | | | |
減去記入遞延補償計劃的金額 | | 4.2 | | | 11.8 | | | 2.0 | | | (4.6) | | | 13.4 | | | (7.3) | | | | | | | | | |
其他特殊用途投資組合投資收益(虧損) | | (0.4) | | | 1.3 | | | 2.4 | | | 3.8 | | | 7.1 | | | 4.0 | | | | | | | | | |
調整後的淨投資收益 | | 277.1 | | | 319.0 | | | 291.4 | | | 298.6 | | | 1,186.1 | | | 296.2 | | | | | | | | | |
減少分配給產品系列的金額 | | | | | | | | | | | | | | | | | | | | |
年金 | | (117.5) | | | (117.8) | | | (121.1) | | | (123.6) | | | (480.0) | | | (125.4) | | | | | | | | | |
健康 | | (73.3) | | | (73.0) | | | (73.3) | | | (73.7) | | | (293.3) | | | (74.0) | | | | | | | | | |
生活 | | (35.5) | | | (35.2) | | | (35.4) | | | (35.8) | | | (141.9) | | | (36.3) | | | | | | | | | |
分配給產品線的總投資收益 | | (226.3) | | | (226.0) | | | (229.8) | | | (233.1) | | | (915.2) | | | (235.7) | | | | | | | | | |
與固定指數年金交出相關的年度期權沒收的影響 | | 1.6 | | | (0.5) | | | (1.1) | | | (1.0) | | | (1.0) | | | — | | | | | | | | | |
減少FHLB計劃投資借款的利息支出 | | (2.4) | | | (4.7) | | | (10.3) | | | (16.1) | | | (33.5) | | | (21.7) | | | | | | | | | |
減去與 FABN 計劃相關的費用 | | (7.3) | | | (7.6) | | | (7.5) | | | (7.6) | | | (30.0) | | | (7.6) | | | | | | | | | |
減少債務利息支出 | | (15.7) | | | (15.6) | | | (15.6) | | | (15.6) | | | (62.5) | | | (15.7) | | | | | | | | | |
投資收入未分配給產品線 | | $ | 27.0 | | | $ | 64.6 | | | $ | 27.1 | | | $ | 25.2 | | | $ | 143.9 | | | $ | 15.5 | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
其他投資數據
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | | | | | |
| | 2022 | | 2022 | | 2022 | | 2022 | | 2023 | | | | | | |
投資資產和現金的平均賬面價值 | | $ | 25,791.7 | | | $ | 25,954.0 | | | $ | 26,251.0 | | | $ | 26,484.1 | | | $ | 26,801.8 | | | | | | | |
普通賬户投資的淨投資收益 | | 277.5 | | | 317.7 | | | 289.0 | | | 294.8 | | | 292.2 | | | | | | | |
新貨幣利率 (14) | | 3.73 | % | | 5.53 | % | | 5.36 | % | | 5.96 | % | | 6.34 | % | | | | | | |
賬面收益率 | | 4.53 | % | | 4.52 | % | | 4.54 | % | | 4.55 | % | | 4.56 | % | | | | | | |
賺取的收益 | | 4.50 | % | | 5.00 | % | | 4.35 | % | | 4.35 | % | | 4.22 | % | | | | | | |
預付款/通話/全額收入 | | $ | 5.2 | | | $ | 14.9 | | | $ | 3.7 | | | $ | 1.6 | | | $ | 0.1 | | | | | | | |
另類投資收益(虧損) | | 11.3 | | | 27.1 | | | (2.5) | | | (5.2) | | | (9.4) | | | | | | | |
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| | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
2022 年第 4 季度重要項目
(以百萬美元計,每股金額除外)
(未經審計)
下表總結了重要項目對我們 2022 年第 4 季度淨營業收入的財務影響。管理層認為,確定這些項目的影響可以增進對我們經營業績的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三個月已結束 |
| | 2022年12月31日 |
| | 實際結果 | | 重要物品 | | 不包括重要的 項目 |
保險產品利潤率 (4) | | | | | | |
年金保證金 | | $ | 50.8 | | | $ | 3.2 | | (a) | $ | 54.0 | |
健康邊距 | | 140.4 | | | (18.3) | | (a) | 122.1 | |
壽命邊距 | | 43.3 | | | 14.4 | | (a) | 57.7 | |
保險產品總利潤率 | | 234.5 | | | (0.7) | | | 233.8 | |
分配的費用 | | (149.1) | | | — | | | (149.1) | |
保險產品收入 (5) | | 85.4 | | | (0.7) | | | 84.7 | |
費用收入 | | 9.2 | | | — | | | 9.2 | |
未分配給產品線的投資收入 (9) | | 25.2 | | | — | | | 25.2 | |
未分配給產品系列的費用 | | (12.8) | | | — | | | (12.8) | |
税前營業收益 | | 107.0 | | | (0.7) | | | 106.3 | |
營業收入的所得税(支出)優惠 | | (24.1) | | | 0.2 | | | (23.9) | |
淨營業收入 (10) | | $ | 82.9 | | | $ | (0.5) | | | $ | 82.4 | |
| | | | | | |
攤薄後每股淨營業收入 | | $ | 0.71 | | | $ | — | | | $ | 0.71 | |
___________
(a) 我們對假設的年度全面精算審查所產生的調整。
CNO 金融集團有限公司
2022 年第 2 季度重要項目
(以百萬美元計,每股金額除外)
(未經審計)
下表總結了重要項目對我們 2022 年第 2 季度淨營業收入的財務影響。管理層認為,確定這些項目的影響可以增進對我們經營業績的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三個月已結束 |
| | 2022年6月30日 |
| | 實際結果 | | 重要物品 | | 不包括重要的 項目 |
保險產品利潤率 (4) | | | | | | |
年金保證金 | | $ | 60.1 | | | $ | — | | | $ | 60.1 | |
健康邊距 | | 125.4 | | | — | | | 125.4 | |
壽命邊距 | | 70.2 | | | — | | | 70.2 | |
保險產品總利潤率 | | 255.7 | | | — | | | 255.7 | |
分配的費用 | | (152.2) | | | — | | | (152.2) | |
保險產品收入 (5) | | 103.5 | | | — | | | 103.5 | |
費用收入 | | 3.2 | | | — | | | 3.2 | |
未分配給產品線的投資收入 (9) | | 64.6 | | | — | | | 64.6 | |
未分配給產品系列的費用 | | 2.9 | | | (22.5) | | (a) | (19.6) | |
税前營業收益 | | 174.2 | | | (22.5) | | | 151.7 | |
營業收入的所得税(支出)優惠 | | (39.1) | | | 5.1 | | | (34.0) | |
淨營業收入 (10) | | $ | 135.1 | | | $ | (17.4) | | | $ | 117.7 | |
| | | | | | |
攤薄後每股淨營業收入 | | $ | 1.15 | | | $ | (0.15) | | | $ | 1.00 | |
___________
(a) 包括與再保險協議有關的2 250萬美元體驗退款。
CNO 金融集團有限公司
2021 年第 4 季度重要項目
(以百萬美元計,每股金額除外)
(未經審計)
下表總結了重要項目對我們 2021 年第 4 季度淨營業收入的財務影響。管理層認為,確定這些項目的影響可以增進對我們經營業績的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三個月已結束 |
| | 2021年12月31日 |
| | 實際結果 | | 重要物品 | | 不包括重要的 項目 |
保險產品利潤率 (4) | | | | | | |
年金保證金 | | $ | 65.6 | | | $ | 0.7 | | (a) | $ | 66.3 | |
健康邊距 | | 126.2 | | | (7.1) | | (a) | 119.1 | |
壽命邊距 | | 53.4 | | | 3.4 | | (a) | 56.8 | |
保險產品總利潤率 | | 245.2 | | | (3.0) | | | 242.2 | |
分配的費用 | | (143.3) | | | — | | | (143.3) | |
保險產品收入 (5) | | 101.9 | | | (3.0) | | | 98.9 | |
費用收入 | | 2.9 | | | — | | | 2.9 | |
未分配給產品線的投資收入 (9) | | 44.4 | | | — | | | 44.4 | |
未分配給產品系列的費用 | | (17.4) | | | — | | | (17.4) | |
税前營業收益 | | 131.8 | | | (3.0) | | | 128.8 | |
營業收入的所得税(支出)優惠 | | (28.7) | | | 0.7 | | | (28.0) | |
淨營業收入 (10) | | $ | 103.1 | | | $ | (2.3) | | | $ | 100.8 | |
| | | | | | |
攤薄後每股淨營業收入 | | $ | 0.83 | | | $ | (0.02) | | | $ | 0.81 | |
___________
(a) 我們對假設的年度全面精算審查所產生的調整。
CNO 金融集團有限公司
2021 年第 3 季度重要項目
(以百萬美元計,每股金額除外)
(未經審計)
下表總結了重要項目對我們 2021 年第 3 季度淨營業收入的財務影響。管理層認為,確定這些項目的影響可以增進對我們經營業績的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三個月已結束 |
| | 2021年9月30日 |
| | 實際結果 | | 重要物品 | | 不包括重要的 項目 |
保險產品利潤率 (4) | | | | | | |
年金保證金 | | $ | 58.5 | | | $ | — | | | $ | 58.5 | |
健康邊距 | | 122.8 | | | — | | | 122.8 | |
壽命邊距 | | 60.8 | | | — | | | 60.8 | |
保險產品總利潤率 | | 242.1 | | | — | | | 242.1 | |
分配的費用 | | (140.5) | | | — | | | (140.5) | |
保險產品收入 (5) | | 101.6 | | | — | | | 101.6 | |
費用收入 | | 2.6 | | | — | | | 2.6 | |
未分配給產品線的投資收入 (9) | | 51.9 | | | — | | | 51.9 | |
未分配給產品系列的費用 | | (17.3) | | | 3.0 | | (a) | (14.3) | |
税前營業收益 | | 138.8 | | | 3.0 | | | 141.8 | |
營業收入的所得税(支出)優惠 | | (30.7) | | | (0.7) | | | (31.4) | |
淨營業收入 (10) | | $ | 108.1 | | | $ | 2.3 | | | $ | 110.4 | |
| | | | | | |
攤薄後每股淨營業收入 | | $ | 0.84 | | | $ | 0.02 | | | $ | 0.86 | |
___________
(a) 包括來自法律和監管事項的300萬美元。
CNO 金融集團有限公司
2021 年第 2 季度重要項目
(以百萬美元計,每股金額除外)
(未經審計)
下表總結了重要項目對我們 2021 年第 2 季度淨營業收入的財務影響。管理層認為,確定這些項目的影響可以增進對我們經營業績的理解。
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| | 三個月已結束 |
| | 2021年6月30日 |
| | 實際結果 | | 重要物品 | | 不包括重要的 項目 |
保險產品利潤率 (4) | | | | | | |
年金保證金 | | $ | 60.0 | | | $ | — | | | $ | 60.0 | |
健康邊距 | | 121.7 | | | — | | | 121.7 | |
壽命邊距 | | 50.3 | | | — | | | 50.3 | |
保險產品總利潤率 | | 232.0 | | | — | | | 232.0 | |
分配的費用 | | (141.6) | | | — | | | (141.6) | |
保險產品收入 (5) | | 90.4 | | | — | | | 90.4 | |
費用收入 | | 6.6 | | | — | | | 6.6 | |
未分配給產品線的投資收入 (9) | | 48.6 | | | — | | | 48.6 | |
未分配給產品系列的費用 | | (23.8) | | | 4.5 | | (a) | (19.3) | |
税前營業收益 | | 121.8 | | | 4.5 | | | 126.3 | |
營業收入的所得税(支出)優惠 | | (27.8) | | | (1.0) | | | (28.8) | |
淨營業收入 (10) | | $ | 94.0 | | | $ | 3.5 | | | $ | 97.5 | |
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攤薄後每股淨營業收入 | | $ | 0.70 | | | $ | 0.03 | | | $ | 0.73 | |
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(a) 包括來自法律和監管事項的450萬美元。
注意事項
(1) 不包括累積的其他綜合收益(虧損)。管理層認為,這項非公認會計準則指標很有用,因為它消除了投資未實現增值(折舊)變化所產生的波動。
(2)股東權益除以已發行普通股。
(3) 攤薄後每股賬面價值反映了行使未償還股票期權並歸屬限制性股票和績效單位時可能發生的攤薄。期權、限制性股票和績效單位的攤薄是使用庫存股法計算的。在這種方法下,我們假設行使期權的收益(或限制性股票和績效單位的未確認薪酬支出)將用於以該期間最後一天的收盤價購買我們的普通股。
(4) 保險利潤率是管理層衡量其年金、健康和人壽產品線業績盈利能力的指標,包括保險單收入加上分配的投資收入減去保險單收益、貸記利息、佣金、廣告支出和收購成本攤銷。保險產品的收入是年金、健康和人壽產品系列的保險利潤率的總和,減去分配給保險線的支出。它不包括我們的費用收入業務的收入、未分配給產品線的投資收入、未分配給產品線的淨支出(主要是控股公司支出)和所得税。管理層認為,這些信息有助於更好地瞭解業務,並對我們的保險產品線的業績進行更有意義的分析。保險產品收入是一項非公認會計準則指標,是淨營業收入的一部分,該收入與本季度財務補編第5頁的淨收入進行了對賬。
(5) 使用支持該業務區塊的投資的賬面收益率將投資收益分配給產品線,該收益適用於該區塊在每個時期內的平均淨保險負債。淨保險負債的定義見附註 (11)。
(6) 不包括支持固定指數年金產品的標的期權的市值變化以及存入保單持有人賬户負債的相應金額。在22年第一季度、22年第二季度、22年第三季度、22年第三季度、22年第四季度和23年第一季度,此類金額分別為6,430萬美元、(8,010萬美元)、(3,090萬美元)、(600)萬美元和1,650萬美元。
(7) 不包括支持固定指數人壽產品的標的期權的市值變化以及存入保單持有人賬户負債的相應金額。在 22 年第 1 季度、第 2 季度、22 年第 3 季度、22 年第 4 季度和 23 年第一季度,此類金額分別為 (760) 萬美元、(1,230) 萬美元、(400) 萬美元、(100) 萬美元和 210 萬美元。
(8) 保險產品的收入是年金、健康和人壽產品系列的保險利潤率的總和,減去分配給保險系列的支出。它不包括我們的費用收入業務的收入、未分配給產品線的投資收入、未分配給產品線的淨支出(主要是控股公司支出)和所得税。管理層認為,這些信息有助於更好地瞭解業務,並對我們的保險產品線的業績進行更有意義的分析。保險產品收入是一項非公認會計準則指標,是淨營業收入的一部分,該收入與本季度財務補編第5頁的淨收入進行了對賬。
(9) 未分配給產品系列的投資收入定義為淨投資收入減去:(i)記入保單持有人賬户餘額的股本回報;(iii)分配給我們產品線的投資收益;(iii)與固定指數年金退保相關的年度期權沒收的影響;(iv)應付票據和投資借款的利息支出;(v)與FABN計劃相關的費用;(vi)與福利相關的某些費用由特殊用途投資收入抵消的計劃。未分配給產品線的投資收入包括超過平均淨保險負債的投資收益、控股公司持有的投資、我們從聯邦住房貸款銀行投資借款和FABN計劃中獲得的利差以及投資收益的可變組成部分(包括看漲和預付款收入、現金流變化導致的結構性證券回報調整、公司自有人壽保險(“COLI”)的收入和另類投資收入的變動),扣除利息支出。
(10) 管理層認為,對適用於普通股之前的淨收益的分析:(i)扣除税後銷售、減值和信貸損失備抵變動產生的已實現投資淨收益或虧損;(ii)扣除税後收益中確認的投資的市值淨變化;(iii)與我們的固定指數年金相關的嵌入式衍生負債和市場風險收益的公允價值變化;(iv)與公允價值變動相關的公允價值變動扣除税款後的代理遞延補償計劃;(v) 與再保險有關的損失扣除税款後的交易;(vi)債務清償虧損,扣除税款;(vii)遞延所得税資產估值補貼的變化和其他税收項目;以及(viii)其他非營業項目,主要由税後可變利息實體的收益(“淨營業收入”,一項非公認會計準則財務指標)對評估公司的財務業績很重要,也是人壽保險行業常用的關鍵指標。管理層使用這種衡量標準來評估業績,因為不包括在淨營業收入中的項目可能會受到與公司基礎基本面無關的事件的影響。
(11) 用於向產品線分配投資收益的淨保險負債等於:(i)年金產品的保單持有人賬户餘額;(ii)所有其他產品的累計其他綜合收益(虧損)中反映的公允價值調整前的總儲備金;減去(iii)與再保險業務相關的金額;(iv)遞延收購成本;(v)未來利潤的現值;(vi)的價值未到期期權記入保險負債。
(12) 季度期間的利潤率/平均淨保險負債是通過將季度利潤率按年除以平均淨保險負債計算得出的。
(13) 基於監管機構為CNO Financial的保險子公司規定或允許的法定會計慣例,此前適當取消了此類子公司之間的公司間賬户。此類會計慣例不同於公認會計原則。
(14) 新的貨幣利率適用於在此期間為支持我們的保險產品和資本而購買的投資。它不包括根據我們的聯邦住房貸款銀行計劃通過投資借款購買的投資以及可變利率實體購買的投資的新貨幣利率。