IPF årsrapport 2018 (eng) - Flipbook - Side 41
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39
Notes (cont.)
Note DKK mill.
15
31.12.2018
31.12.2017
7,528
-1,805
-346
7,590
-1,997
-1,276
Retrospective provisions 1 January
Gross premiums
Addition of interest
Insurance benefits
Costs supplement after addition of costs bonus
Risk result after addition of risk bonus
Transferred to/from life-assurance provisions at market rate
Distribution from special bonus provision
5,377
2
260
-450
-4
4
15
0
4,317
3
1,476
-419
-3
-25
26
1
Retrospective provisions carried forward
5,203
5,377
Accumulated value adjustment carried forward
Collective bonus potential carried forward
408
1,609
346
1,805
Life-assurance provisions at average rate carried
forward
7,220
7,528
Return before tax
2.1%
5.3%
Ratio of bonus potential to provisions
31%
34%
Return on customer funds after costs and tax
2.0%
5.2%
47
46
Life-assurance provisions at average rate
Life-assurance provisions at average rate 1 January
Collective bonus potential 1 January
Accumulated value adjustments 1 January
The risk margin has been recognised in life-assurance provisions at
Break down of life-assurance provisions between the original guaranteed interest rates 31 December 2018
Guaranteed benefits
Individual bonus potential
Collective bonus potential
Life-assurance provisions 31 December 2018
1.00%
2,104
5
605
1.50%
887
0
254
2.50%
2,612
3
750
Total
5,603
8
1,609
2,714
1,141
3,364
7,220
Break down of life-assurance provisions between the original guaranteed interest rates 31 December 2017
Guaranteed benefits
Individual bonus potential
Collective bonus potential
Life-assurance provisions 31 December 2017
1.00%
2,122
11
673
1.50%
915
0
289
2.50%
2,671
4
844
Total
5,708
15
1,805
2,806
1,204
3,519
7,528