Årsrapport 2022 godkendt 7. marts 2023 (eng) - Flipbook - Side 45
INDUSTRIENS PENSIONSFORSIKRING A/S ANNUAL REPORT 2022
19.
BOARD OF MANAGEMENT AND BOARD OF DIRECTORS
Five-year summary of key figures and financial ratios
DKK mill.
2018
2019
2020
2021
2022
DKK mill.
Key figures for life assurance (DKK mill.)
Premiums
8,429
8,215
8,075
9,308
10,250
Insurance benefits
5,321
5,437
5,121
6,489
7,650
Investment returns
-1,699
20,054
9,685
33,501
-14,980
Insurance operating costs
Technical result
Technical result of sickness and accident
insurance
Profit/loss for the year
Other comprehensive income
Provisions for insurance and investment
contracts
Gross claims costs
971
888
883
489
1,109
21
21
21
23
26
-20
0
0
-2
Profit/loss on reinsurance
111
417
195
626
-152
-
-
0
0
0
-
-
-
-
-
Technical result
-45
-188
-82
-373
-100
Investment return after technical interest
92
237
80
373
100
Profit/loss for the year
47
48
-2
0
0
Run-off results
Total insurance provisions
189,071
219,461
209,716
Equity
5,293
5,710
5,906
6,532
6,380
Assets
172,013
193,595
205,665
238,590
233,143
Financial ratios for life assurance
2.1%
12.4%
6.3%
7.5%
-2.6%
-1.5%
12.2%
5.1%
18.1%
-6.5%
Risk on return related to market rate
3.50
3.50
4.75
4.75
5.50
0.1%
0.1%
0.1%
0.1%
0.1%
272 kr.
243 kr.
256 kr.
267 kr.
239 kr.
Return on equity after tax
2.1%
7.6%
3.4%
10.1%
-2.4%
Return on excess capital after tax
0.9%
6.8%
3.0%
9.2%
-2.8%
461
373
544
1,262
1,893
7,440
8,272
8,857
9,178
8,238
102.9%
123.3%
107.3%
357.5%
107.5%
Financial ratios for sickness and accident insurance
Gross claims ratio
Gross expenses ratio
2.2%
2.8%
2.5%
17.0%
2.5%
Combined ratio
105.1%
126.1%
109.8%
374.5%
110.0%
Operating ratio
105.1%
126.1%
109.8%
374.5%
110.0%
7.3%
5.4%
7.3%
15.8%
24.7%
Relative run-off results
Return before tax on yields of certain
pension-scheme assets, market rate
Costs per member
803
-21
178,021
Costs as a percentage of provisions
858
-117
158,596
Return before tax on yields of certain
pension-scheme assets, average rate
841
-127
0
2022
912
-119
0
2021
820
-112
-2
2020
Gross premium income
-124
48
2019
Key figures for sickness and accident insurance (DKK mill.)
Insurance operating costs
47
2018
45