Årsrapport 2022 godkendt 7. marts 2023 (eng) - Flipbook - Side 42
INDUSTRIENS PENSIONSFORSIKRING A/S ANNUAL REPORT 2022
14.
BOARD OF MANAGEMENT AND BOARD OF DIRECTORS
Life-assurance provisions at average rate
DKK mill.
31.12.2022 31.12.2021
Life-assurance provisions at average rate 1 January
7,441
7,451
Collective bonus potential 1 January
-1,712
-1,292
Accumulated value adjustments 1 January
Retrospective provisions 1 January
Gross premiums
-99
5,630
-260
5,899
1
1
Addition of interest
189
201
Insurance benefits
-465
-477
-4
-5
Costs supplement after addition of costs bonus
Risk result after addition of risk bonus
-14
0
Transferred to/from life-assurance provisions at market rate
11
10
0
0
5,348
5,630
20
99
Collective bonus potential carried forward
1,458
1,712
Life-assurance provisions at average rate carried forward
6,826
7,441
Return before tax
-2.6%
7.5%
49%
37%
-2.6%
7.5%
19
46
Distribution from special bonus provision
Retrospective provisions carried forward
Accumulated value adjustment carried forward
Ratio of bonus potential to provisions
Return on customer funds after costs and tax
The risk margin has been recognised in life-assurance provisions at
Breakdown of life-assurance provisions at the highest guaranteed interest rate on policy, 31 December 2022
Guaranteed benefits
0.00%
1.50%
2.50%
Total
2,805
651
735
4,192
Individual bonus potential
853
82
242
1,176
Collective bonus potential
994
199
265
1,458
4,652
932
1,243
6,826
Life-assurance provisions 31 December 2022
Breakdown of life-assurance provisions at the highest guaranteed interest rate on policy, 31 December 2021
Guaranteed benefits
0.00%
1.50%
2.50%
Total
3,615
767
948
5,330
Individual bonus potential
296
1
102
399
Collective bonus potential
1,168
230
314
1,712
Life-assurance provisions 31 December 2021
5,079
998
1,364
7,441
42