The Steamship Mutual Management Highlights Combined Financial Statements
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1 Combined Financial Statements 43
2 Managers Report Basis of combination The Combined Financial Statements that appear on pages 46 to 57 of these Management Highlights have been prepared by combining the accounts of The Steamship Mutual Underwriting Association Limited ( SSM London ) with the consolidated accounts of its principal reinsurer The Steamship Mutual Underwriting Association (Bermuda) Limited ( SSM Bermuda ), and those of that Club s principal reinsurer The Steamship Mutual Trust ( the Trust ). All the Members of SSM London are also Members of SSM Bermuda who are the beneficiaries of the Trust. The Combined Financial Statements are intended to provide an overall summary of the financial position of the three entities which, whilst contractually linked, are not under common management or control. The consolidated financial statements of SSM Bermuda and the financial statements of SSM London and the Trust are available in separate documents and on the Managers website: Free reserves As at 20th February 2013, the combined free reserves of the two Clubs and the Trust stood at US$ million, a decrease of US$ 9.63 million, or 3.3% over the financial year. Discounting outstanding claims at a rate of 2.5% over ten years to take account of run-off, the combined free reserve figure is US$ million compared with US$ million last year. For the year under review, the Directors set a 5% general increase in Class 1 premiums. At the 2013 renewal the general increase was set at 7.5%. Underwriting During the year mutual and additional premium was levied as follows: for the year 2012/13 (Class 1 P&I) 100% mutual premium; for the year 2012/13 (Class 2 FD&D) 100% mutual premium. The 2009/10 year was closed in May 2012 The combined ratio, calculated by dividing the sum of net incurred claims and operating expenses by net earned premium, was 112.5% for 2013 compared to 114.7% last year. The Directors have set the release call for both Class 1 (P&I) and Class 2 (FD&D) at 20% of mutual premium for the 2012/13 policy year, 15% of mutual premium for the 2011/12 policy year and 5% of mutual premium for the 2010/11 policy year. Claims Net claims paid during the financial year, on a combined basis including SSM Bermuda, SSM London and the Trust, amounted to US$ million, an increase of 18.0% from the figure (US$ million) for the 2011/12 financial year. Net outstanding claims rose by US$ million to US$ million, an increase of 6.3% from the net outstanding claims as at 20th February Gross claims arising in respect of the policy year 2012/13, including IBNR, are projected to be US$ million, a decrease of 12.4% over 2011/12 (US$ million). Claims net of reinsurance recoveries in respect of the policy year amounted to US$ million on a combined basis, an increase of 6.7% from the comparable figure for 2011/12 (US$ million). Investments The combined gain on investments amounts to US$ million, a 3.0% return, and the overall total of cash and investments rose by US$ million, or 5.2%, to US$ million. The Trust achieved an investment gain of 3.5% compared to a gain of 4.6% in the previous year. A review of investment performance is provided in the Investment section of these Highlights. Gross premium totalled US$ million compared to US$ million last year. 44
3 Accountants Report Accountants report to the Members of The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited. We report on the unaudited Combined Financial Statements of The Steamship Mutual Trust, The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited for the year ended 20th February 2013 ( the Combined Financial Statements ). Our report is prepared solely for the confidential use of The Steamship Mutual Trust, The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited and solely for the purpose of informing the Members of The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than The Steamship Mutual Trust, The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited and of the Members of The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited as a body, for our work, for this report, or for the opinions we have formed. Responsibilities The Steamship Mutual Trust, The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited are responsible for the preparation of the Combined Financial Statements. It is our responsibility to carry out procedures designed to enable us to express an opinion as to whether the Combined Financial Statements have been accurately compiled from the Financial Statements of The Steamship Mutual Trust, The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited for the year ended 20th February Basis of opinion We have performed the procedures listed below with respect to the Combined Financial Statements. The procedures were performed solely to assist the Corporate Trustee and the Directors with the preparation of the Combined Financial Statements and are summarised as follows: We agreed the figures used in the Combined Financial Statements to the signed Financial Statements of The Steamship Mutual Trust, The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited as at 20th February 2013 respectively, and agreed adjustments on combination to the underlying accounting records; The auditor s reports on the Financial Statements of The Steamship Mutual Trust, The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited were issued by ourselves on 13th May and 14th May 2013 and were unqualified. Our audit opinions in these financial statements did not cover the policy year statements; We checked the numerical accuracy of the Combined Financial Statements; and We checked that the stated accounting policies in the Combined Financial Statements are consistent with the accounting policies adopted by The Steamship Mutual Trust, The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited, as defined in their respective financial statements to determine whether they are consistent. Our procedures did not constitute an audit in accordance with Auditing Standards. In particular we have not verified any information or documentation provided to us and we should not be taken to have done so beyond the procedures described above. Opinion We report that: The Combined Financial Statements have been accurately compiled from the Financial Statements of The Steamship Mutual Trust and The Steamship Mutual Underwriting Association (Bermuda) Limited and the statutory accounts of The Steamship Mutual Underwriting Association Limited; and Accounting policies adopted in the Combined Financial Statements are consistent with those adopted by The Steamship Mutual Trust, The Steamship Mutual Underwriting Association (Bermuda) Limited and The Steamship Mutual Underwriting Association Limited. Deloitte LLP Chartered Accountants London 7th June
4 Combined Income and Expenditure Account for the year 20th February 2013 Technical Account Note Gross premium written 2 315,265) 329,646) Outward reinsurance premium 3 (44,323) (51,470) Net earned premium 270,942) 278,176) Claims paid Gross amount 4 394,781) 289,251) Reinsurers share 4 (167,586) (96,644) 227,195) 192,607) Change in the provision for claims Gross amount 5 337,470) 229,260) Reinsurers share 5 (298,404) (147,673) 39,066) 81,587) Net claims incurred 266,261) 274,194) Operating expenses 6 38,456) 44,922) Underwriting balance (33,775) (40,940) Non-Technical Account Underwriting balance (33,775) (40,940) Investment income 7 19,690) 18,453) Unrealised gains on investments 7 7,321) 13,485) Investment charges (2,918) (2,602) Other income 53) 4,141) Taxation (2) (6) Deficit for the financial year (9,631) (7,469) 46
5 Combined Balance Sheet as at 20th February ) Assets Note US$ 000 US$ 000) Investments Land and buildings 10,997 10,997) Other financial investments 8 917, ,609) Reinsurers share of technical provisions Claims outstanding 5 626, ,077) Debtors Debtors arising out of direct insurance operations 21,347 24,001) Debtors arising out of reinsurance operations 9 29,077 11,654) Other debtors 10 6,361 8,575) Other assets Cash at bank and in hand 16,377 12,737) Prepayments and accrued income Deferred acquisition costs ) Other prepayments and accrued income 5,662 5,424) Total assets 1,633,952 1,276,622) Liabilities Capital and reserves Free reserves , ,838) Technical provisions Provision for unearned premiums 2,060 3,967) Claims outstanding 5 1,281, ,222) Provisions for other risks and charges Provision for taxation 2 3) Creditors Creditors arising out of direct insurance operations 14,925 6,544) Creditors arising out of reinsurance operations 12 11,608 16,859) Other creditors 13 37,458 9,189) Total liabilities 1,633,952 ) 1,276,622) 47
6 Notes on the Combined Financial Statements 1. Extract of accounting policies (a) Accounting convention The financial statements have been prepared in accordance with the European Commission Insurance Accounts Directive (91/674/EEC) as adopted in the United Kingdom through Section 396 of the Companies Act 2006 and Schedule 3 of The Large and Medium-sized Companies and Groups (Accounts and Reports) Regulations 2008 and applicable United Kingdom accounting standards and in all material respects with the ABI SORP issued in December 2005 and amended in December (b) Basis of combination The financial statements combine the accounts of The Steamship Mutual Underwriting Association (Bermuda) Limited and its subsidiary undertakings, Steamship Mutual Underwriting Association (Reinsurance) Limited, Steamship Mutual Property Holdings Limited and its share of Hydra Insurance Company Limited with those of The Steamship Mutual Underwriting Association Limited and The Steamship Mutual Trust to 20th February Gross premium written Mutual and fixed premium 310,309) 330,428) Deferred mutual premium and releases 3,049) 1,591) Movement in unearned premium 1,907) (2,373) 315,265) 329,646) 3. Outward reinsurance premium Group Excess Loss 24,208) 21,910) Other reinsurance premium 20,115) 29,560) 44,323) 51,470) 4. Claims paid Claims and related expenses 326,632) 244,692) Group Pool claims 44,540) 19,663) Claims administration expenses 23,609) 24,896) 394,781) 289,251) Less reinsurers share Group Excess Loss 96,706) 35,618) Group Pool 62,351) 43,016) Other reinsurers 8,529) 18,010) 167,586) 96,644) Net claims paid 227,195) 192,607) 48
7 5. Change in net provision for claims Gross outstanding claims Provision brought forward (944,222) (714,962) Provision carried forward 1,281,692) 944,222) 337,470) 229,260) Group Pool and Excess Loss reinsurers share of outstanding claims Provision brought forward 274,016) 125,469) Provision carried forward (569,445) (274,016) (295,429) (148,547) Other reinsurers share of outstanding claims Provision brought forward 54,061) 54,935) Provision carried forward (57,036) (54,061) (2,975) 874) Change in reinsurers share (298,404) (147,673) Change in net provision for claims 39,066) 81,587) Net claims outstanding 655,211) 616,145) A favourable net run-off deviation of US$ 6.1million was experienced during the year (2012: US$ 12.1 million adverse net run-off deviation). 6. Operating expenses Brokerage 21,672) 24,629) Underwriting administration expenses 7,536) 8,062) Other administration expenses 8,463) 11,419) Directors remuneration 524) 556) Auditor s remuneration 261) 256) 38,456) 44,922) Total expenses Operating expenses 38,456) 44,922) Claims expenses (note 4 above) 23,609) 24,896) Investment charges 2,918) 2,602) 64,983) 72,420) 49
8 Notes on the Combined Financial Statements continued 7. Investment income Income Dividends and interest 18,416) 17,673) Realised gains/(losses) Investments 3,558) 1,183) Exchange (2,284) (403) 19,690) 18,453) Unrealised gains/(losses) Investments 5,244) 16,333) Exchange 2,077) (2,848) 7,321) 13,485) 8. Other financial investments Market value Equities 32,702) 30,432) Alternative investments 70,727) 65,416) Bonds 698,266) 645,671) Money market instruments 75,530) 87,377) Deposits with credit institutions 33,036) 38,689) Cash accounts 7,529) 7,442) Open forward exchange contracts (473) (418) 917,317) 874,609) Cost Equities 25,571) 25,534) Alternative investments 65,319) 62,820) Bonds 689,674) 639,429) Money market instruments 75,530) 87,377) Deposits with credit institutions 33,036) 38,689) Cash accounts 7,519) 7,412) 896,649) 861,261) 9. Debtors arising out of reinsurance operations Group Clubs and Excess Loss reinsurers 21,683) 589) Other reinsurance debtors 7,394) 11,065) 29,077) 11,654) 50
9 10. Other debtors Balances with agents 416) 555) Other debtors 5,945) 8,020) 6,361) 8,575) 11. Free reserves Brought forward 295,838) 303,307) Deficit for year (9,631) (7,469) 286,207) 295,838) 12. Creditors arising out of reinsurance operations Group Clubs and Excess Loss reinsurers 4,373) 4,454) Other reinsurance creditors 7,235) 12,405) 11,608) 16,859) 13. Other creditors Unsettled investment transactions 33,475) 37) Other creditors 3,983) 9,152) 37,458) 9,189) 51
10 Combined Policy Year Statement All Classes Development of policy years Open policy years 2012/13) 2011/12) 2010/11) Total) Gross premium 311,264) 332,543) 310,696) 954,503) Reinsurance premium (46,767) (51,145) (47,521) (145,433) Net earned premium 264,497) 281,398) 263,175) 809,070) Net incurred claims Claims paid net of reinsurance recoveries 30,420) 107,360) 113,317) 251,097) Claims administration expenses 23,519) 21,729) 19,964) 65,212) Net claims outstanding 105,354) 76,006) 53,622) 234,982) IBNR provision 112,003) 44,902) 31,652) 188,557) Future claims administration expenses 9,216) 3,167) 1,085) 13,468) 280,512) 253,164) 219,640) 753,316) Operating expenses Brokerage 21,610) 23,819) 23,173) 68,602) Other expenses 16,707) 18,182) 16,072) 50,961) 38,317) 42,001) 39,245) 119,563) Underwriting balance (54,332) (13,767) 4,290) (63,809) Allocated net investment income 72,077) 34,564) 10,452) 117,093) Surplus on open policy years 17,745) 20,797) 14,742) 53,284) Closed policy years Surplus in respect of 2008/09 and prior years at 20th February ,436) Balance on 2009/10 year as at 20th February ,252) Movements on policy years prior to 2010/11 (16,609) Surplus on all policy years 170,363) Managers notes 1 Investment income earned by SSM Bermuda and SSM London is credited to the same policy year as the financial year in which it arises. Investment income earned by the Trust is only allocated to the policy year to the extent required to bring that year into overall balance. 2 The pure underwriting result excluding additional premium, being the balance of net earned premiums after deducting claims paid net of reinsurance recoveries, net claims outstanding, IBNR provision and brokerage is as follows: 2012/ / /11 US$ m US$ m US$ m (4.9)
11 Balance available for outstanding claims by policy year 2012/13) 2011/12) 2010/11) Closed years) Total) US$ 000) Gross claims outstanding Own claims 322,410) 460,575) 82,987) 277,125) 1,143,097) Pool claims 44,030) 16,092) 15,753) 46,496) 122,371) Reinsurance recoveries outstanding Group Excess Loss contract ) (185,815) ) (4,597) (190,412) Group Pool (145,931) (154,157) (7,123) (71,822) (379,033) Other (3,152) (15,787) (6,343) (31,754) (57,036) Future claims administration expenses 9,216) 3,167) 1,085) 2,754) 16,222) Net provision for claims outstanding 226,573) 124,075) 86,359) 218,202) 655,209) Free reserves Surplus on policy years 17,745) 20,797) 14,742) 117,079) 170,363) Reinsurance balance and statutory reserve ) ) ) 1,309) 1,309) Unallocated investment income ) ) ) 114,535) 114,535) 17,745) 20,797) 14,742) 232,923) 286,207) Balance available for outstanding claims 244,318) 144,872) 101,101) 451,125) 941,416) Managers notes 1 Combined projected net outstanding claims at 20th February 2013, amounting to US$ million, includes IBNR provision totalling US$ million as follows: 2012/ / /11 Closed years Total) US$ m US$ m US$ m US$ m US$ m) 112.0) 44.9) 31.7) 69.5) 258.1) 2 Combined free reserves at 20th February 2013, amounting to US$ million, are stated net of a provision for future expenses on outstanding claims amounting to US$ 16.2 million. Discounting outstanding claims over a ten year period at a rate of 2.5% would increase combined free reserves to US$ million. The discounting rate of 2.5% compares against an average total return on combined investments, over the last ten years, of 4.4%. 53
12 Combined Policy Year Statement P&I Class Development of policy years Open policy years 2012/13) 2011/12) 2010/11) Total) Gross premium 276,213) 289,383) 270,545) 836,141) Reinsurance premium (38,867) (41,364) (41,390) (121,621) Net earned premium 237,346) 248,019) 229,155) 714,520) Net incurred claims Claims paid net of reinsurance recoveries 26,607) 91,413) 98,397) 216,417) Claims administration expenses 19,626) 17,951) 15,754) 53,331) Net claims outstanding 100,645) 66,723) 51,777) 219,145) IBNR provision 99,129) 36,883) 26,201) 162,213) Future claims administration expenses 8,471) 2,714) 927) 12,112) 254,478) 215,684) 193,056) 663,218) Operating expenses Brokerage 19,654) 21,028) 20,494) 61,176) Acquisition and other expenses 14,694) 15,655) 13,496) 43,845) 34,348) 36,683) 33,990) 105,021) Underwriting balance (51,480) (4,348) 2,109) (53,719) Allocated net investment income 67,075) 20,916) 9,592) 97,583) Surplus on open policy years 15,595) 16,568) 11,701) 43,864) Closed policy years Surplus in respect of 2008/09 and prior years at 20th February ,155) Balance on 2009/10 year as at 20th February ,550) Movements on policy years prior to 2010/11 (15,734) Surplus on all policy years 149,835) Managers notes 1 Investment income earned by SSM Bermuda and SSM London is credited to the same policy year as the financial year in which it arises. Investment income earned by the Trust is only allocated to the policy year to the extent required to bring that year into overall balance. 2 The pure underwriting result, being the balance of net earned premiums after deducting claims paid net of reinsurance recoveries, net claims outstanding, IBNR provision and brokerage is as follows: 2012/13) 2011/12) 2010/11) US$ m) US$ m) US$ m) (8.7) 32.0) 32.3) 3 Product of 10% supplementary call ) 21.2) 20.8) 18.1) 54
13 Balance available for outstanding claims by policy year 2012/13) 2011/12) 2010/11) Closed years) Total) US$ 000) US$ 000s) US$ 000) Gross claims outstanding Own claims 303,894) 441,734) 69,845) 261,230) 1,076,703) Pool claims 44,030) 16,092) 15,753) 46,496) 122,371) Reinsurance recoveries outstanding Group Excess Loss contract ) (185,815) ) (4,597) (190,412) Group Pool (145,931) (154,157) (7,123) (71,822) (379,033) Other (2,219) (14,248) (497) (31,306) (48,270) Future claims administration expenses 8,471) 2,714) 927) 2,623) 14,735) Net provision for claims outstanding 208,245) 106,320) 78,905) )) 202,624) ))) 596,094) Free reserves Surplus on policy years 15,595) 16,568) 11,701) 105,971) 149,835) Reinsurance balance and statutory reserve ) ) ) 1,309) 1,309) Unallocated investment income ) ) ) 114,535) 114,535) 15,595) 16,568) 11,701) 221,815) 265,679) Balance available for outstanding claims 223,840) 122,888) 90,606) 424,439) 861,773) Managers note 1 Combined projected net outstanding claims at 20th February 2013, amounting to US$ 596.1million, includes IBNR provision totalling US$ million as follows: 2012/13) 2011/12) 2010/11) Closed years) Total) US$ m) US$ m) US$ m) US$ m) US$ m) 99.1) 36.9) 26.2) 58.6) 220.8) 55
14 Combined Average Expense Ratio Year ended 20th February 2013 Combined Average Expense Ratio The Combined Average Expense Ratio for the Clubs and the Trust s P&I business for the five years ended 20th February 2013 is 12.4%. Statement of Directors and Corporate Trustee s responsibilities In accordance with Schedule 3 of the International Group Agreement 1999, the Directors are required to calculate and disclose the Average Expense Ratio for the combined results of The Steamship Mutual Underwriting Association (Bermuda) Limited, The Steamship Mutual Underwriting Association Limited (as an affiliated Club) and The Steamship Mutual Trust in respect of the five years ended 20th February 2013 ( the Ratio ). Accountants Report to the Directors of The Steamship Mutual Underwriting Association (Bermuda) Limited Basis of preparation The Directors are responsible for the calculation of the Combined Average Expense Ratio. The Ratio has been calculated in accordance with Schedule 3 of the International Group Agreement 1999 issued by the International Group of P&I Clubs and is calculated using figures extracted from the accounting records of The Steamship Mutual Underwriting Association (Bermuda) Limited, The Steamship Mutual Underwriting Association Limited and The Steamship Mutual Trust using consistent accounting policies with those used to produce the most recent audited financial statements. Basis of opinion It is our responsibility to carry out procedures designed to enable us to express an opinion as to whether the figures have been properly extracted from the respective accounting records and whether the Ratio has been calculated in accordance with Schedule 3 of the International Group Agreement 1999 issued by the International Group of P&I Clubs. We have checked the calculations supporting the Ratio and the extraction of the figures used in the calculation of the Ratio from the accounting records of The Steamship Mutual Underwriting Association (Bermuda) Limited, The Steamship Mutual Underwriting Association Limited and The Steamship Mutual Trust using consistent accounting policies with those used to produce the most recent audited financial statements on which unqualified audit opinions were issued. Opinion In our opinion, the figures have been properly extracted from the respective accounting records and the Ratio has been calculated in accordance with Schedule 3 of the International Group Agreement 1999 issued by the International Group of P&I Clubs. Deloitte LLP Chartered Accountants London 7th June 2013 Use of Report The above report is provided to you solely for your private information under the terms of our engagement letter. You should not without our prior written consent refer to or use our name or the report for any other purpose, refer to them in any document or make them available to any other party. We accept no liability to any other party who is shown or gains access to this report. 56
15 Operating costs 2011) 2010) 2009) US$ 000) All expenditure incurred in running the Club 8,163) 9,641) 7,817) 6,196) 8,330) Add: Brokerage and acquisition costs 26,178) 27,033) 26,134) 24,580) 28,199) Taxes other than those incurred on investments 2) 6) ) 3) 55) a. Operating costs for P&I business 34,343) 36,680) 33,951) 30,779) 36,584) Premium income b. Premium income for P&I business 276,212) 289,383) 270,545) 270,671) 302,886) c. Investment income 19,781) 18,442) 29,035) 5,203) 612) Add: Unrealised gains/(losses) 7,230) 17,583) 3,849) 39,889) (101,785) Deduct: Internal investment management costs (2,601) (2,277) (2,172) (2,243) (2,455) Investment income allocated to non-p&i classes (29) (426) (228) (926) 1,073) Total adjusted investment income 24,381) 33,322) 30,484) 41,923) (102,555) for P&I business a/(b+c) Expense ratio 11.4%) 11.4%) 11.3%) 9.8%) 18.3%) Average: 12.4%) Note on the Combined Average Expense Ratio All figures used in calculating the Combined Average Expense Ratio have been prepared on the same basis of accounting used in the financial statements ended 20th February Prior year figures have been extracted and restated where necessary on a comparable basis. 57
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