Annex I S Balance sheet Solvency II value Assets

Transcription

1 S Balance sheet Solvency II value Assets C0010 Intangible assets R Deferred tax assets R ,694,193 Pension benefit surplus R ,827,400 Property, plant & equipment held for own use R ,616,007 Investments (other than assets held for index-linked and unit-linked contracts) R0070 6,090,359,799 Property (other than for own use) R ,473,750 Holdings in related undertakings, including participations R ,666,084 Equities R ,171,675 Equities - listed R ,581,675 Equities - unlisted R0120 1,590,000 Bonds R0130 4,219,482,805 Government Bonds R ,079,724 Corporate Bonds R0150 3,256,325,367 Structured notes R Collateralised securities R ,077,714 Collective Investments Undertakings R ,255,544 Derivatives R ,309,941 Deposits other than cash equivalents R Other investments R Assets held for index-linked and unit-linked contracts R Loans and mortgages R ,663,694 Loans on policies R Loans and mortgages to individuals R Other loans and mortgages R ,663,694 Re recoverables from: R ,238,893 Non-life and health similar to non-life R ,889,535 Non-life excluding health R ,889,535 Health similar to non-life R Life and health similar to life, excluding health and index-linked and unit-linked R ,349,358 Health similar to life R Life excluding health and index-linked and unit-linked R ,349,358 Life index-linked and unit-linked R Deposits to cedants R ,449,054 Insurance and intermediaries receivables R ,049,981 Re receivables R ,811,112 Receivables (trade, not ) R ,377,123 Own shares (held directly) R Amounts due in respect of own fund items or initial fund called up but not yet paid in R Cash and cash equivalents R ,897,046 Any other assets, not elsewhere shown R0420 5,909,933 Total assets R0500 6,983,894,235

2 S Balance sheet Solvency II value Liabilities C0010 Technical provisions non-life R0510 3,728,133,719 Technical provisions non-life (excluding health) R0520 3,728,133,719 TP calculated as a whole R0530 Best Estimate R0540 3,176,650,593 Risk margin R ,483,126 Technical provisions - health (similar to non-life) R TP calculated as a whole R Best Estimate R Risk margin R Technical provisions - life (excluding index-linked and unit-linked) R ,158,525 Technical provisions - health (similar to life) R TP calculated as a whole R Best Estimate R Risk margin R Technical provisions life (excluding health and index-linked and unit-linked) R ,158,525 TP calculated as a whole R Best Estimate R ,024,694 Risk margin R ,133,831 Technical provisions index-linked and unit-linked R TP calculated as a whole R Best Estimate R Risk margin R Contingent liabilities R Provisions other than technical provisions R ,489,234 Pension benefit obligations R Deposits from reinsurers R Deferred tax liabilities R Derivatives R ,851,652 Debts owed to credit institutions R Financial liabilities other than debts owed to credit institutions R ,944,815 Insurance & intermediaries payables R ,237,860 Re payables R0830 6,776,134 Payables (trade, not ) R ,514,418 Subordinated liabilities R Subordinated liabilities not in BOF R Subordinated liabilities in BOF R Any other liabilities, not elsewhere shown R ,308,214 Total liabilities R0900 4,355,414,571 Excess of assets over liabilities R1000 2,628,479,664

3 S Premiums, claims and expenses by line of business Line of Business for: non-life and re obligations (direct business and accepted proportional re) Medical expense Income protection Workers' compensation Motor vehicle liability Other motor Marine, aviation and transport Fire and other damage to property General liability Credit and suretyship C0010 C0020 C0030 C0040 C0050 C0060 C0070 C0080 C0090 Premiums written Gross - Direct Business R ,444, ,817,046 7,882, ,047, ,864, ,956 Gross - Proportional re accepted R ,603,915 2, Gross - Non-proportional re accepted R0130 Reinsurers' share R ,375,803-98,642 77,950,796 4,205,860 4,112 Net R ,069, ,817,046 7,784, ,700, ,660, ,878 Premiums earned Gross - Direct Business R ,411, ,755,837 8,484, ,338, ,345,178 1,061,046 Gross - Proportional re accepted R ,756,557 2, Gross - Non-proportional re accepted R0230 Reinsurers' share R ,376, ,056 80,501,217 4,065,166 4,112 Net R ,035, ,755,837 8,385, ,593, ,282,300 1,056,968 Claims incurred Gross - Direct Business R ,414, ,068,974 (4,862,458) 363,940, ,950, ,005 Gross - Proportional re accepted R ,519,478 13,154,355 (3,317,503) (69,358) Gross - Non-proportional re accepted R0330 Reinsurers' share R (31,713,291) - (1,033,056) 3,141, ,989 - Net R ,127, ,068,974 (2,309,924) 373,953, ,655, ,647 Changes in other technical provisions Gross - Direct Business R Gross - Proportional re accepted R Gross - Non- proportional re accepted R0430 Reinsurers'share R Net R Expenses incurred R ,538,062 57,608,850 4,959, ,827, ,878, ,854 Other expenses R1200 Total expenses R1300

4 S Premiums, claims and expenses by line of business Line of Business for: non-life and re obligations (direct business and accepted proportional re) Line of business for: accepted non-proportional re Total Legal expenses Assistance Miscellaneous financial loss Health Casualty Marine, aviation, transport Property C0100 C0110 C0120 C0130 C0140 C0150 C0160 C0200 Premiums written Gross - Direct Business R0110 9,168, ,053,700 59,237,446 2,240,395,412 Gross - Proportional re accepted R ,607,200 Gross - Non-proportional re accepted R , ,000 Reinsurers' share R0140 6, ,796 2,166, ,524-98,130,044 Net R0200 9,161, ,745,904 57,071, , ,162,888,568 Premiums earned Gross - Direct Business R ,666, ,031,076 64,917,572 2,246,011,953 Gross - Proportional re accepted R ,759,842 Gross - Non-proportional re accepted R , ,000 Reinsurers' share R0240 6, ,796 11,412, , ,787,434 Net R ,660, ,723,280 53,505, , ,157,000,361 Claims incurred Gross - Direct Business R ,753 98,046,413 31,255,576 1,377,227,349 Gross - Proportional re accepted R0320 (93,235) 11,193,737 Gross - Non-proportional re accepted R0330-6,483,035 1,519,196 (1,781,704) 6,220,528 Reinsurers' share R ,361 12,810,337-14, ,451 (22,264) (14,989,403) Net R ,753 97,950,052 18,352,004-6,469, ,745 (1,759,440) 1,409,631,017 Changes in other technical provisions Gross - Direct Business R0410-7,300,000-7,300,000 Gross - Proportional re accepted R Gross - Non- proportional re accepted R Reinsurers'share R Net R0500-7,300, ,300,000 Expenses incurred R0550 3,381,731 66,184,855 22,573, ,414 14,323 62, ,555,361 Other expenses R Total expenses R ,555,361

5 S Premiums, claims and expenses by line of business Health Insurance with profit participation Line of Business for: life obligations Index-linked and unitlinked Other life Annuities stemming from non-life contracts and relating to health obligations Annuities stemming from non-life contracts and relating to obligations other than health Life re obligations Health re Life re C0210 C0220 C0230 C0240 C0250 C0260 C0270 C0280 C0300 Premiums written Gross R Reinsurers' share R Net R Premiums earned Gross R Reinsurers' share R Net R Claims incurred Gross R1610 8,133,568 8,133,568 Reinsurers' share R1620 4,154,223 4,154,223 Net R1700 3,979,345 3,979,345 Changes in other technical provisions Gross R Reinsurers' share R Net R Expenses incurred R , ,746 Other expenses R Total expenses R ,746 Total

6 S Premiums, claims and expenses by country Home Country Top 5 countries (by amount of gross premiums written) - non-life obligations Total Top 5 and home country C0010 C0020 C0030 C0040 C0050 C0060 C0070 R0010 C0080 C0090 C0100 C0110 C0120 C0130 C0140 Premiums written Gross - Direct Business R0110 2,239,595,665 2,239,595,665 Gross - Proportional re accepted R Gross - Non-proportional re accepted R ,000 16,000 Reinsurers' share R ,130,044 98,130,044 Net R0200 2,141,482,617 2,141,482,617 Premiums earned Gross - Direct Business R0210 2,245,212,206 2,245,212,206 Gross - Proportional re accepted R Gross - Non-proportional re accepted R ,000 16,000 Reinsurers' share R ,787, ,787,434 Net R0300 2,135,441,769 2,135,441,769 Claims incurred Gross - Direct Business R0310 1,376,568,309 1,376,568,309 Gross - Proportional re accepted R0320 (3,672,009) (3,672,009) Gross - Non-proportional re accepted R0330 6,220,527 6,220,527 Reinsurers' share R0340 (14,989,403) (14,989,403) Net R0400 1,394,106,230 1,394,106,230 Changes in other technical provisions Gross - Direct Business R0410 7,300,000 7,300,000 Gross - Proportional re accepted R Gross - Non- proportional re accepted R Reinsurers'share R Net R0500 7,300,000 7,300,000 Expenses incurred R ,770, ,770,034 Other expenses R Total expenses R ,770,034

7 S Premiums, claims and expenses by country Home Country Top 5 countries (by amount of gross premiums written) - life obligations Total Top 5 and home country C0150 C0160 C0170 C0180 C0190 C0200 C0210 R1400 C0220 C0230 C0240 C0250 C0260 C0270 C0280 Premiums written Gross R Reinsurers' share R Net R Premiums earned Gross R Reinsurers' share R Net R Claims incurred Gross R1610 8,133,568 8,133,568 Reinsurers' share R1620 4,154,223 4,154,223 Net R1700 3,979,345 3,979,345 Changes in other technical provisions Gross R Reinsurers' share R Net R Expenses incurred R , ,746 Other expenses R Total expenses R ,746

8 S Life and Health SLT Technical Provisions Insurance with profit participation Index-linked and unit-linked Contracts without options and guarantees Contracts with options or guarantees Other life Contracts without options and guarantees Contracts with options or guarantees Annuities stemming from non-life contracts and relating to obligation other than health obligations Accepted re Total (Life other than health, incl. Unit-Linked) Technical provisions calculated as a whole Total Recoverables from re/spv and Finite Re after the adjustment for expected losses due to counterparty default associated to TP as a whole R0010 R0020 C0020 C0030 C0040 C0050 C0060 C0070 C0080 C0090 C0100 C Technical provisions calculated as a sum of BE and RM Best Estimate Gross Best Estimate R ,024, ,024,694 Total Recoverables from re/spv and Finite Re after the adjustment for expected losses due to counterparty default R ,349,358 39,349,358 Best estimate minus recoverables from re/spv and Finite Re - total R ,675, ,675,336 Risk Margin R ,133,831 53,133,831 Amount of the transitional on Technical Provisions Technical Provisions calculated as a whole R Best estimate R Risk margin R Technical provisions - total R ,158, ,158,525

9 S Life and Health SLT Technical Provisions Health (direct business) Contracts without options and guarantees Contracts with options or guarantees Annuities stemming from non-life contracts and relating to health obligations Health re (re accepted) Total (Health similar to life ) Technical provisions calculated as a whole Total Recoverables from re/spv and Finite Re after the adjustment for expected losses due to counterparty default associated to TP as a whole Technical provisions calculated as a sum of BE and RM Best Estimate Gross Best Estimate Total Recoverables from re/spv and Finite Re after the adjustment for expected losses due to counterparty default Best estimate minus recoverables from re/spv and Finite Re - total Risk Margin Amount of the transitional on Technical Provisions Technical Provisions calculated as a whole Best estimate Risk margin Technical provisions - total R0210 R0220 R0030 R0080 R0090 R0100 R0110 R0120 R0130 R0200 C0160 C0170 C0180 C0190 C0200 C0210

10 S Non-life Technical Provisions Medical expense Income protection Workers' compensation Direct business and accepted proportional re Marine, Motor vehicle Other motor aviation and liability transport Fire and other damage to property General liability C0020 C0030 C0040 C0050 C0060 C0070 C0080 C0090 C0100 Technical provisions calculated as a whole R Total Recoverables from re/spv and Finite Re after the adjustment for expected losses due to counterparty default associated to TP as a whole Credit and suretyship R Technical provisions calculated as a sum of BE and RM Best estimate Premium provisions Gross R ,389,237 55,499, , ,697,274 37,684,915 (56,542) Total recoverable from re/spv and Finite Re after the adjustment for expected losses due to counterparty default R (11,088,088) - (9,788) (30,314,326) (1,762,150) - Net Best Estimate of Premium Provisions R ,477,325 55,499, , ,011,600 39,447,065 (56,542) Claims provisions Gross R ,335,254,971 (23,486,460) 25,630, ,203,216 1,068,713, ,143 Total recoverable from re/spv and Finite Re after the adjustment for expected losses due to counterparty default R ,821, ,696 4,662,264 9,187,159 - Net Best Estimate of Claims Provisions R ,316,433,602 (23,486,460) 25,015, ,540,952 1,059,526, ,143 Total Best estimate - gross R ,439,644,208 32,012,939 26,430, ,900,490 1,106,398, ,601 Total Best estimate - net R ,431,910,927 32,012,939 25,825, ,552,552 1,098,973, ,601 Risk margin R ,866,054 4,962,873 7,641,229 18,452, ,524, ,415 Amount of the transitional on Technical Provisions Technical Provisions calculated as a whole R Best estimate R Risk margin R Direct business and accepted proportional re Medical expense Income protection Workers' compensation Motor vehicle liability Other motor Marine, aviation and transport Fire and other damage to property General liability C0020 C0030 C0040 C0050 C0060 C0070 C0080 C0090 C0100 Technical provisions - total Technical provisions - total R ,526,510,262 36,975,812 34,072, ,352,630 1,513,922, ,016 Recoverable from re contract/spv and Finite Re after the adjustment for expected losses due to counterparty default - total R ,733, ,908 (25,652,062) 7,425,009 - Technical provisions minus recoverables from re/spv and Finite Re - R ,518,776,981 36,975,812 33,467, ,004,692 1,506,497, ,016 Credit and suretyship

11 S Non-life Technical Provisions Legal expenses Assistance Miscellaneous financial loss Nonproportional health re Nonproportional casualty re Nonproportional marine, aviation and transport re Nonproportional property re C0110 C0120 C0130 C0140 C0150 C0160 C0170 C0180 Technical provisions calculated as a whole R Total Recoverables from re/spv and Finite Re after the adjustment for expected losses due to counterparty default associated to TP as a whole Direct business and accepted proportional R Technical provisions calculated as a sum of BE and RM Best estimate Premium provisions Gross R0060 3,220,240 17,782,883 17,454, ,472,491 Total recoverable from re/spv and Finite Re after the adjustment for expected losses due to counterparty default R (218,989) 10,717, (32,675,526) Net Best Estimate of Premium Provisions R0150 3,220,240 18,001,872 6,736, ,148,017 Claims provisions Gross R0160 1,309,686 25,659,933 32,110,998-28,562,865 19,446,609 1,992,313 2,830,178,102 Total recoverable from re/spv and Finite Re after the adjustment for expected losses due to counterparty default R ,124 1,347,117-28,547,792 1,943,540-65,565,061 Net Best Estimate of Claims Provisions R0250 1,309,686 25,218,809 30,763,881-15,073 17,503,069 1,992,313 2,764,613,041 Total Best estimate - gross R0260 4,529,926 43,442,816 49,565,631-28,562,865 19,446,609 1,992,313 3,176,650,593 Total Best estimate - net R0270 4,529,926 43,220,681 37,500,699-15,073 17,503,069 1,992,313 3,143,761,058 Risk margin R ,376 2,043,932 2,646,586-11,940,132 8,168, , ,483,126 Amount of the transitional on Technical Provisions Technical Provisions calculated as a whole R Best estimate R Risk margin R Direct business and accepted proportional Accepted non-proportional re Legal expenses Assistance Miscellaneous financial loss Nonproportional health re Accepted non-proportional re Nonproportional casualty re Nonproportional marine, aviation and transport re Nonproportional property re Total Non-Life obligation Total Non-Life obligation C0110 C0120 C0130 C0140 C0150 C0160 C0170 C0180 Technical provisions - total Technical provisions - total R0320 4,825,302 45,486,748 52,212,217-40,502,997 27,615,267 2,833,821 3,728,133,719 Recoverable from re contract/spv and Finite Re after the adjustment for expected losses due to counterparty default - total R ,135 12,064,932-28,547,792 1,943,540-32,889,535 Technical provisions minus recoverables from re/spv and Finite Re - total R0340 4,825,302 45,264,613 40,147,285-11,955,205 25,671,727 2,833,821 3,695,244,184

12 S Non-life Insurance Claims Information Total Non-Life Business Accident year / Underwriting year Z0010 AY Gross Claims Paid (non-cumulative) (absolute amount) Development year Sum of years In Current year Year & + (cumulative) C0010 C0020 C0030 C0040 C0050 C0060 C0070 C0080 C0090 C0100 C0110 C0170 C0180 Prior R ,428,779 R ,428,779 28,428,779 N-9 R ,734, ,323, ,446,619 71,401,939 61,473,521 31,471,096 14,506,022 2,132,258 2,688, ,517 R ,517 1,264,034,362 N-8 R ,084, ,757, ,094, ,022,086 71,996,906 41,505,525 9,306,855 5,018,951 38,756 R ,756 1,379,826,054 N-7 R ,801, ,396, ,516,647 89,876,184 60,654,854 38,738,193 7,613,569 2,109,498 R0180 2,109,498 1,322,707,467 N-6 R ,087, ,813, ,714,176 87,863,602 59,978,051 19,096,454 11,280,110 R ,280,110 1,197,832,564 N-5 R ,762, ,111, ,108,583 86,932,649 59,908,383 38,448,443 R ,448,443 1,242,272,439 N-4 R ,412, ,094, ,791,139 82,094,506 59,993,447 R ,993,447 1,114,385,988 N-3 R ,882, ,593, ,881,109 92,635,015 R ,635,015 1,145,991,339 N-2 R ,446, ,941, ,462,743 R ,462,743 1,088,850,712 N-1 R ,354, ,893,415 R ,893,415 1,020,247,502 N R ,261,997 R ,261, ,261,997 Total R0260 1,374,408,720 11,430,839,203 Gross undiscounted Best Estimate Claims Provisions (absolute amount) Development year Year end Year & + (discounted data) C0200 C0210 C0220 C0230 C0240 C0250 C0260 C0270 C0280 C0290 C0300 C0360 Prior R ,951,870 R ,786,328 N-9 R ,505,673 93,419,177 37,072,113 13,583,417 12,076,895 10,523,132 5,511,011 R0160 5,118,057 N-8 R ,493, ,287, ,954,256 40,236,607 43,232,682 17,418,502 14,621,261 R ,421,670 N-7 R ,577, ,534, ,738,329 92,867,704 42,145,122 20,382,557 10,430,638 R0180 9,745,184 N-6 R ,762, ,944, ,440, ,240,621 90,147,905 36,804,130 22,618,518 R ,765,417 N-5 R ,717, ,434, ,039, ,146, ,645,647 61,642,674 R ,617,357 N-4 R ,257, ,975, ,685, ,429, ,064,906 R ,382,275 N-3 R ,367, ,807, ,110, ,866,502 R ,622,830 N-2 R ,692, ,892, ,878,918 R ,035,066 N-1 R ,163, ,440,435 R ,099,394 N R ,366,243 R ,413,380 Total R0260 2,738,006,958

13 S Impact of long term guarantees and transitional measures Amount with Long Term Guarantee measures and transitionals Impact of transitional on technical provisions Impact of transitional on interest rate Impact of volatility adjustment set to zero Impact of matching adjustment set to zero C0010 C0030 C0050 C0070 C0090 Technical provisions R0010 3,967,292, ,762,616 - Basic own funds R0020 2,388,479, (39,642,971) - Eligible own funds to meet Solvency Capital Requirement R0050 2,388,479, (39,642,971) - Solvency Capital Requirement R0090 1,703,338, Eligible own funds to meet Minimum Capital Requirement R0100 2,307,785, (47,762,616) - Minimum Capital Requirement R ,554, ,754,245 -

14 S Own funds Total Tier 1 - unrestricted Tier 1 - restricted Tier 2 Tier 3 C0010 C0020 C0030 C0040 C0050 Basic own funds before deduction for participations in other financial sector as foreseen in article 68 of Delegated Regulation (EU) 2015/35 Ordinary share capital (gross of own shares) R ,264, ,264,151 - Share premium account related to ordinary share capital R ,719, ,719,799 - Iinitial funds, members' contributions or the equivalent basic own - fund item for mutual and mutual-type undertakings R Subordinated mutual member accounts R Surplus funds R Preference shares R Share premium account related to preference shares R Reconciliation reserve R0130 1,386,801,521 1,386,801,521 Subordinated liabilities R An amount equal to the value of net deferred tax assets R ,694,193 80,694,193 Other own fund items approved by the supervisory authority as basic own funds not specified above R Own funds from the financial statements that should not be represented by the reconciliation reserve and do not meet the criteria to be classified as Solvency II own funds Own funds from the financial statements that should not be represented by the reconciliation reserve and do not meet the criteria to be classified as Solvency II own funds R Deductions Deductions for participations in financial and credit institutions R Total basic own funds after deductions R0290 2,388,479,664 2,307,785, ,694,193 Ancillary own funds Unpaid and uncalled ordinary share capital callable on demand R Unpaid and uncalled initial funds, members' contributions or the equivalent basic own fund item for mutual and mutual - type undertakings, callable on demand R Unpaid and uncalled preference shares callable on demand R A legally binding commitment to subscribe and pay for subordinated liabilities on demand R Letters of credit and guarantees under Article 96(2) of the Directive 2009/138/EC R Letters of credit and guarantees other than under Article 96(2) of the Directive 2009/138/EC R Supplementary members calls under first subparagraph of Article 96(3) of the Directive 2009/138/EC R Supplementary members calls - other than under first subparagraph of Article 96(3) of the Directive 2009/138/EC R Other ancillary own funds R Total ancillary own funds R

15 S Own funds Total Tier 1 - unrestricted Tier 1 - restricted Tier 2 Tier 3 Available and eligible own funds Total available own funds to meet the SCR R0500 2,388,479,664 2,307,785, ,694,193 Total available own funds to meet the MCR R0510 2,307,785,471 2,307,785, Total eligible own funds to meet the SCR R0540 2,388,479,664 2,307,785, ,694,193 Total eligible own funds to meet the MCR R0550 2,307,785,471 2,307,785, SCR R0580 1,703,338,226 MCR R ,554,650 Ratio of Eligible own funds to SCR R Ratio of Eligible own funds to MCR R C0060 Reconciliation reserve Excess of assets over liabilities R0700 2,628,479,664 Own shares (held directly and indirectly) R Foreseeable dividends, distributions and charges R ,000,000 Other basic own fund items R0730 1,001,678,143 Adjustment for restricted own fund items in respect of matching adjustment portfolios and ring fenced funds R Reconciliation reserve R0760 1,386,801,521 Expected profits Expected profits included in future premiums (EPIFP) - Life business R Expected profits included in future premiums (EPIFP) - Non- life business R ,209,242 Total Expected profits included in future premiums (EPIFP) R ,209,242

16 S Solvency Capital Requirement - for undertakings on Full Internal Models Unique number of component Components description Calculation of the Solvency Capital Requirement C0010 C0020 C0030 A1A A1 B1 Market 528,684,875 Credit 126,561,235 Life Insurance 46,411,439 P&C Insurance 1,133,319,811 Operational Risk 82,542,516 Pensions risk 226,931,659 Calculation of Solvency Capital Requirement C0100 Total undiversified components R0110 2,144,451,535 Diversification R0060 (441,113,309) Capital requirement for business operated in accordance with Art. 4 of Directive 2003/41/EC (transitional) R Solvency capital requirement excluding capital add-on R0200 1,703,338,226 Capital add-ons already set R Solvency capital requirement R0220 1,703,338,226 Other information on SCR Amount/estimate of the overall loss-absorbing capacity of technical provisions R Amount/estimate of the overall loss-absorbing capacity ot deferred taxes R Total amount of Notional Solvency Capital Requirements for remaining part R Total amount of Notional Solvency Capital Requirements for ring fenced funds (other than those related to business operated in accordance with Art. 4 of Directive 2003/41/EC (transitional)) R Total amount of Notional Solvency Capital Requirement for matching adjustment portfolios R Diversification effects due to RFF nscr aggregation for article 304 R0440 -

17 S Minimum Capital Requirement - Only life or only non-life or re activity Linear formula component for non-life and re obligations C0010 MCR NL Result R ,474,468 Net (of re/spv) best estimate and TP calculated as a whole Net (of re) written premiums in the last 12 months C0020 C0030 Medical expense and proportional re R Income protection and proportional re R Workers' compensation and proportional re R Motor vehicle liability and proportional re R0050 1,431,910, ,069,064 Other motor and proportional re R ,012, ,817,046 Marine, aviation and transport and proportional re R ,825,934 7,784,774 Fire and other damage to property and proportional re R ,552, ,700,625 General liability and proportional re R0090 1,098,973, ,660,864 Credit and suretyship and proportional re R , ,878 Legal expenses and proportional re R0110 4,529,926 9,161,870 Assistance and proportional re R ,220, ,745,904 Miscellaneous financial loss and proportional re R ,500,699 57,071,067 Non-proportional health re R Non-proportional casualty re R ,073 - Non-proportional marine, aviation and transport re R ,503,069 1,335 Non-proportional property re R0170 1,992, Linear formula component for life and re obligations C0040 MCR L Result R0200 3,080,182 Net (of re/spv) best estimate and TP calculated as a whole Net (of re/spv) total capital at risk C0050 C0060 Obligations with profit participation - guaranteed benefits R Obligations with profit participation - future discretionary benefits R Index-linked and unit-linked obligations R Other life (re) and health (re) obligations R ,675,336 Total capital at risk for all life (re) obligations R Overall MCR calculation C0070 Linear MCR R ,554,650 SCR R0310 1,703,338,226 MCR cap R ,502,202 MCR floor R ,834,557 Combined MCR R ,554,650 Absolute floor of the MCR R C0070 Minimum Capital Requirement R ,554,650