IPF årsrapport 2018 (eng) - Flipbook - Side 44
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42
Notes (cont.)
Note
20
2014
2015
2016
2017
2018
6,737
5,280
12,432
113
-1
-15
7,224
3,931
8,539
37
-1
-19
7,206
4,682
11,033
113
-18
8,046
4,657
12,161
124
-17
8,429
5,321
-1,699
124
-21
30
39
41
40
47
206
118
204
388
111
121,195
4,472
142,286
131,532
4,590
149,685
143,297
4,794
157,366
156,748
5,182
170,140
158,596
5,293
172,013
15.0%
2.3%
8.3%
5.3%
2.1%
10.4%
7.3%
8.1%
8.5%
-1.5%
3.50
0.1%
DKK 261
4.7%
-
3.75
0.0%
DKK 84
2.6%
2.6%
3.75
0.1%
DKK 250
4.3%
4.3%
3.50
0.1%
DKK 278
7.8%
4.4%
3.50
0.1%
DKK 272
2.1%
0.9%
448
692
17
-1
-38
77
402
6,135
749
748
18
-112
152
357
6,705
681
696
18
-174
213
645
7,028
820
971
21
-45
92
461
7,440
104.3%
2.6%
107.1%
107.1%
7.5%
114.8%
2.8%
117.5%
117.5%
6.3%
129.2%
3.4%
132.6%
132.6%
10.4%
102.9%
2.2%
105.1%
105.1%
7.3%
Five-year summary of key figures and financial ratios
Key figures for life assurance (DKK mill.)
Premiums
Insurance benefits*
Investment returns
Insurance operating costs
Profit or loss on ceded business
Technical result
Technical result of sickness and accident
insurance
Profit for the year
Provisions for insurance and investment contracts
*
Equity
Assets
Financial ratios for life assurance
Return before tax on yields of certain pensionscheme assets, average rate
Return before tax on yields of certain pensionscheme assets, market rate
Risk of return related to market rate *
Costs as a percentage of provisions
Expenses per insured party
Return on equity after tax
Return on excess capital after tax *
Key figures for sickness and accident insurance (DKK mill.)
Gross premium income
606
Gross claims costs *
572
Insurance operating costs
17
Profit or loss on ceded business
-1
Technical result
-270
Investment return after technical interest *
300
Run-off results
105
Total insurance provisions
6,096
Financial ratios for sickness and accident insurance
Gross claims ratio **
173.8%
Gross expenses ratio
5.3%
Combined ratio
179.3%
Operating ratio
154.1%
Relative run-off results
2.2%
*
The accounting regulations changed in a number of areas from 1 January 2016. Consequently, it is not immediately
possible to compare information for 2015-2018 with previous years.
** The relatively high value of the gross claims ratio (claims as a percentage of premiums) in the five-year period is
because, during this period, the premiums were reduced by bonuses and premium rebates earned in previous years.