BNP Paribas Cardif Försäkring AB SOLVENCY AND FINANCIAL CONDITION REPORT 2016 BNP PARIBAS CARDIF FÖRSÄKRING AB
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1 BNP Paribas Cardif Försäkring AB SOLVENCY AND FINANCIAL CONDITION REPORT 2016 BNP PARIBAS CARDIF FÖRSÄKRING AB
2 Summary... 3 A. Business and Performance... 4 A.1 Business... 4 A.2 Underwriting Performance... 5 A.3 Investment Performance... 7 A.4 Performance of other activities... 7 A.5 Any other information... 7 B. System of Governance... 7 B.1 General information on the system of governance... 7 B.2 Fit and proper requirements B.3 Risk management system including the own risk and solvency assessment B.4 Internal control system B.5 Internal audit function B.6 Actuarial function B.7 Outsourcing B.8 Any other information C. Risk Profile C.1 Underwriting risk C.2 Market risk C.3 Counterparty risk C.4 Liquidity risk C.5 Operational risk C.6 Other material risks C.7 Any other information D. Valuation for Solvency Purposes D.1 Assets D.2 Technical provisions D.3 Other liabilities D.4 Alternative methods for valuation D.5 Any other information E. Capital Management E.1 Own funds E.2 Solvency Capital Requirement and Minimum Capital Requirement E.3 Use of the duration-based equity risk sub-module in the calculation of the Solvency Capital Requirement E.4 Differences between the standard formula and any internal model used E.5 Non-compliance with the Minimum Capital Requirement and non-compliance with the Solvency Capital Requirement E.6 Any other information... 27
3 Summary
4 A. Business and Performance A.1 Business
5 A.2 Underwriting Performance Underwriting income Evolution 2015/2016 by country [Table 1] Technical result - Net of Evolution Budget vs Budget 2015 reinsurance - in SEK vs 2015 Denmark Finland Norway Sweden Total Evolution 2015/2016 by line of business [Table 2] Technical result - Net of reinsurance - in SEK Evolution Miscellaneous financial loss Income protection insurance Medical expense insurance Other Life Insurance Total Business
6 Overall view of the 2016 technical result by Country [Table 3] Technical result - Net of reinsurance - in SEK Denmark Finland Norway Sweden Total GWP Partner Result Claim costs Evolution Premium Reserves Evolution Claim Reserves Technical Result Overall view of the 2016 technical result by Line of Business [Table 4] Net of Reinsurance Miscellaneous financial Income protection Medical expense loss insurance insurance Other Life Insurance GWP excl IPT Partner Result Claim costs Evolution Premium Reserves Evolution Claim Reserves Technical Result technical result Zoom on Miscellaneous Financial Loss by country [Table 5] Net of reinsurance Denmark Finland Norway Sweden Total GWP Partner Result Claim costs Evolution Premium Reserves Evolution Claim Reserves Technical Result
7 A.3 Investment Performance A.4 Performance of other activities A.5 Any other information B. System of Governance B.1 General information on the system of governance
8
9
10 B.2 Fit and proper requirements
11 B.3 Risk management system including the own risk and solvency assessment
12 - -
13 B.4 Internal control system
14 B.5 Internal audit function B.6 Actuarial function B.7 Outsourcing
15 B.8 Any other information C. Risk Profile
16 C.1 Underwriting risk o o o
17 - - C.2 Market risk
18 C.3 Counterparty risk C.4 Liquidity risk
19 C.5 Operational risk C.6 Other material risks C.7 Any other information D. Valuation for Solvency Purposes D.1 Assets
20 Solvency 2 Annual In millions of SEK, at December 31, 2016 Référence Balance sheet Financial report Deferred aquisition costs A - 16 Other intangible assets B - - Deferred tax assets C Property held for own use D 0 0 Investments (other than assets held for index-linked and unit-linked contracts) E Reinsurance recoverables F Deposits to cedants Insurance and intermediaries receivables G 0 0 Reinsurance receivables G 6 2 Receivables (trade, not insurance) Cash and cash equivalents Other assets TOTAL ASSETS December In millions of SEK Reference 31, 2016 Financial assets fair value E - Goodwill and intangible assets fair value A and F - Valuation of insurance liabilities under Solvency II and elimination of deferred acquisition costs A, C and F -19 Revaluation of subordinated liabilities C - Others C 4 Assets and deferred tax liabilities compensation C -12 TOTAL OF RESTATEMENTS - 27
21 D.2 Technical provisions D.2.a Summary and reconciliation with the financial statements LIABILITIES Solvency II value Technical provisions non-life Technical provisions non-life (excluding health) Technical provisions calculated as a whole Best Estimate Risk margin Technical provisions - health (similar to non-life) Technical provisions calculated as a whole Best Estimate Risk margin Technical provisions life Statutory accounts valuation basis (Solvency I) Technical provisions - health (similar to life) - - Technical provisions calculated as a whole Best Estimate - Risk margin - Technical provisions life (excluding health) Technical provisions calculated as a whole Best Estimate Risk margin
22 D.2.c Level of uncertainty related to the value of technical provisions
23 D.3 Other liabilities Balance In millions of SEK, at December 31, 2016 Reference sheet solvency 2 Annual financial report Technical provisions incl. Best estimate of liabilities (BEL) - - Provisions for pensions and other benefits A Liabilities for cash deposits of reinsurers B 5 5 Deferred tax liabilities C - - Financial liabilities other than debts owed to credit institutions D - - Insurance & intermediaries payables E - - Reinsurance payables E 5 0 Other debts (Not linked to insurance) 4 4 Subordinated liabilities in Basic Own Funds F - - Any other debts, not elsewhere shown Other liabilities Ordinary share capital, Premiums Reconciliation reserve Dividends - - Own funds Total Liabilities December In millions of SEK, at Reference 31, 2016 Fair value financial assets C - Valuation of insurance liabilities under Solvency II and elimination of deferred acquisition costs C - 31 Revaluation of subordinated liabilities F - Others B, C, D and E 4 Assets and deferred tax liabilities compensation C - TOTAL OF RESTATEMENTS - 27
24 D.4 Alternative methods for valuation D.5 Any other information E. Capital Management E.1 Own funds
25 December 31, In millions of SEK, at 2016 Ordinary share capital 30 Share premiums 123 Reconciliation reserve 293 Subordinated liabilities - Guarantee funds - TOTAL 446 December 31, In millions of SEK, at 2016 Social elements (Capital, reserves, RAN) 250 Solvency II restatements 43 Impact on future profits net of taxes 43 Other restatements - Planned distribution - TOTAL RECONCILIATION RESERVE 293
26 E.2 Solvency Capital Requirement and Minimum Capital Requirement E.3 Use of the duration-based equity risk sub-module in the calculation of the Solvency Capital Requirement E.4 Differences between the standard formula and any internal model used
27 E.5 Non-compliance with the Minimum Capital Requirement and non-compliance with the Solvency Capital Requirement E.6 Any other information
5 S Calculation of Solvency Capital Requirement
S.No Table Code Table Label 1 S.02.01.01.01 Balance sheet 2 S.23.01.01.01 Own funds 3 S.23.01.01.02 Reconciliation reserve 4 S.25.01.01.01 Basic Solvency Capital Requirement 5 S.25.01.01.02 Calculation
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