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''Original PDF: [[Media:Unknown_-_2024_-_SFCR.pdf|Unknown_-_2024_-_SFCR.pdf]]. 3 pages.''

== Unknown — 2024 SFCR (Facts) ==

'''Source.''' Solvency and Financial Condition Report (SFCR), pages 130-132 of "SFCR - 2024-130-132.pdf". Period covered: 2024. Currency: EUR thousands (EUR k). Page count: 3.

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=== Approach to tax rate ===

* Approach based on average tax rate: Yes (C0109) p. 1

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=== Loss absorbing capacity of deferred taxes ===

{| class="wikitable" style="width:100%"
|+ Loss absorbing capacity of deferred taxes (EUR k) p. 1
! style="text-align:left; width:9em" | EUR k
! style="text-align:right; width:9em" | LAC DT (C0130)
|-
| style="text-align:left" | Amount/estimate of LAC DT (R0640)
| style="text-align:right" | -98.594
|-
| style="text-align:left" | Amount/estimate of LAC DT justified by reversion of deferred tax liabilities (R0650)
| style="text-align:right" | -98.594
|-
| style="text-align:left" | Amount/estimate of LAC DT justified by reference to probable future taxable economic profit (R0660)
| style="text-align:right" | 0
|-
| style="text-align:left" | Amount/estimate of LAC DT justified by carry back, current year (R0670)
| style="text-align:right" | 0
|-
| style="text-align:left" | Amount/estimate of LAC DT justified by carry back, future years (R0680)
| style="text-align:right" | 0
|-
| style="text-align:left" | Amount/estimate of Maximum LAC DT (R0690)
| style="text-align:right" | 0
|}

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=== Minimum Capital Requirement — Both life and non-life insurance activity ===

==== MCR components ====

{| class="wikitable" style="width:100%"
|+ MCR components by activity type (EUR k) p. 2
! style="text-align:left; width:9em" | EUR k
! style="text-align:right; width:9em" | Non-life activities (C0010)
! style="text-align:right; width:9em" | Life activities (C0020)
|-
| style="text-align:left" | Linear formula component for non-life insurance and reinsurance obligations (R0010)
| style="text-align:right" | 490.010
| style="text-align:right" | 0
|}

==== Background information — Non-life activities ====

{| class="wikitable" style="width:100%"
|+ Background information — Non-life activities net of reinsurance/SPV (EUR k) p. 2
! style="text-align:left; width:9em" | EUR k
! style="text-align:right; width:9em" | Net best estimate and TP calculated as a whole (C0030)
! style="text-align:right; width:9em" | Net written premiums in the last 12 months (C0040)
|-
| style="text-align:left" | Medical expense insurance and proportional reinsurance (R0020)
| style="text-align:right" | 95.703
| style="text-align:right" | 183.075
|-
| style="text-align:left" | Income protection insurance and proportional reinsurance (R0030)
| style="text-align:right" | 75.782
| style="text-align:right" | 127.056
|-
| style="text-align:left" | Workers' compensation insurance and proportional reinsurance (R0040)
| style="text-align:right" | 295.218
| style="text-align:right" | 313.213
|-
| style="text-align:left" | Motor vehicle liability insurance and proportional reinsurance (R0050)
| style="text-align:right" | 1,259.021
| style="text-align:right" | 288.058
|-
| style="text-align:left" | Other motor insurance and proportional reinsurance (R0060)
| style="text-align:right" | 139.139
| style="text-align:right" | 263.995
|-
| style="text-align:left" | Marine, aviation and transport insurance and proportional reinsurance (R0070)
| style="text-align:right" | 7.441
| style="text-align:right" | 12.339
|-
| style="text-align:left" | Fire and other damage to property insurance and proportional reinsurance (R0080)
| style="text-align:right" | 377.280
| style="text-align:right" | 437.589
|-
| style="text-align:left" | General liability insurance and proportional reinsurance (R0090)
| style="text-align:right" | 358.072
| style="text-align:right" | 136.529
|-
| style="text-align:left" | Credit and suretyship insurance and proportional reinsurance (R0100)
| style="text-align:right" | 0
| style="text-align:right" | 0
|-
| style="text-align:left" | Legal expenses insurance and proportional reinsurance (R0110)
| style="text-align:right" | 126.333
| style="text-align:right" | 48.185
|-
| style="text-align:left" | Assistance and proportional reinsurance (R0120)
| style="text-align:right" | 0
| style="text-align:right" | 0
|-
| style="text-align:left" | Miscellaneous financial loss insurance and proportional reinsurance (R0130)
| style="text-align:right" | 56.497
| style="text-align:right" | 2.970
|-
| style="text-align:left" | Non-proportional health reinsurance (R0140)
| style="text-align:right" | 0
| style="text-align:right" | 0
|-
| style="text-align:left" | Non-proportional casualty reinsurance (R0150)
| style="text-align:right" | 0
| style="text-align:right" | 0
|-
| style="text-align:left" | Non-proportional marine, aviation and transport reinsurance (R0160)
| style="text-align:right" | 0
| style="text-align:right" | 0
|-
| style="text-align:left" | Non-proportional property reinsurance (R0170)
| style="text-align:right" | 59.031
| style="text-align:right" | 48.957
|}

==== Linear formula component for life insurance and reinsurance obligations ====

{| class="wikitable" style="width:100%"
|+ Linear formula component for life insurance and reinsurance obligations — MCR result (EUR k) p. 3
! style="text-align:left; width:9em" | EUR k
! style="text-align:right; width:9em" | Non-life activities MCR(L,NL) Result (C0070)
! style="text-align:right; width:9em" | Life activities MCR(L,L) Result (C0080)
|-
| style="text-align:left" | Linear formula component for life insurance or reinsurance obligations (R0200)
| style="text-align:right" | 55.022
| style="text-align:right" | 697.644
|}

==== Total capital at risk for all life (re)insurance obligations ====

{| class="wikitable" style="width:100%"
|+ Total capital at risk for all life (re)insurance obligations (EUR k) p. 3
! style="text-align:left; width:9em" | EUR k
! style="text-align:right; width:9em" | Non-life activities — Net best estimate and TP calculated as a whole
! style="text-align:right; width:9em" | Non-life activities — Net total capital at risk
! style="text-align:right; width:9em" | Life activities — Net best estimate provisions
! style="text-align:right; width:9em" | Life activities — Net total capital at risk
|-
| style="text-align:left" | Obligations with profit participation — guaranteed benefits (R0210)
| style="text-align:right" | 0
| style="text-align:right" | —
| style="text-align:right" | 17,858.276
| style="text-align:right" | —
|-
| style="text-align:left" | Obligations with profit participation — future discretionary benefits (R0220)
| style="text-align:right" | 0
| style="text-align:right" | —
| style="text-align:right" | 433.805
| style="text-align:right" | —
|-
| style="text-align:left" | Index-linked and unit-linked insurance obligations (R0230)
| style="text-align:right" | 0
| style="text-align:right" | —
| style="text-align:right" | 1,795.508
| style="text-align:right" | —
|-
| style="text-align:left" | Other life (re)insurance and health (re)insurance obligations (R0240)
| style="text-align:right" | 2,620.103
| style="text-align:right" | —
| style="text-align:right" | 188.410
| style="text-align:right" | —
|-
| style="text-align:left" | Total capital at risk for all life (re)insurance obligations (R0250)
| style="text-align:right" | —
| style="text-align:right" | 0
| style="text-align:right" | —
| style="text-align:right" | 61,315.476
|}

==== Overall MCR calculation ====

{| class="wikitable" style="width:100%"
|+ Overall MCR calculation (EUR k) p. 3
! style="text-align:left; width:9em" | EUR k
! style="text-align:right; width:6em" | C0130
|-
| style="text-align:left" | Linear MCR (R0300)
| style="text-align:right" | 1,178.540
|-
| style="text-align:left" | SCR (R0310)
| style="text-align:right" | 1,814.132
|-
| style="text-align:left" | MCR cap (R0320)
| style="text-align:right" | 816.360
|-
| style="text-align:left" | MCR floor (R0330)
| style="text-align:right" | 453.533
|-
| style="text-align:left" | Combined MCR (R0340)
| style="text-align:right" | 816.360
|-
| style="text-align:left" | Absolute floor of the MCR (R0350)
| style="text-align:right" | 8.000
|-
| style="text-align:left" | Minimum Capital Requirement (R0400)
| style="text-align:right" | 816.360
|}

==== Notional non-life and life MCR calculation ====

{| class="wikitable" style="width:100%"
|+ Notional non-life and life MCR calculation (EUR k) p. 3
! style="text-align:left; width:9em" | EUR k
! style="text-align:right; width:9em" | Non-life activities (C0140)
! style="text-align:right; width:9em" | Life activities (C0150)
|-
| style="text-align:left" | Notional linear MCR (R0500)
| style="text-align:right" | 480.895
| style="text-align:right" | 697.644
|-
| style="text-align:left" | Notional SCR excluding add-on (annual or latest calculation) (R0510)
| style="text-align:right" | 740.245
| style="text-align:right" | 1,073.888
|-
| style="text-align:left" | Notional MCR cap (R0520)
| style="text-align:right" | 333.110
| style="text-align:right" | 483.249
|-
| style="text-align:left" | Notional MCR floor (R0530)
| style="text-align:right" | 185.061
| style="text-align:right" | 268.472
|-
| style="text-align:left" | Notional Combined MCR (R0540)
| style="text-align:right" | 333.110
| style="text-align:right" | 483.249
|-
| style="text-align:left" | Absolute floor of the notional MCR (R0550)
| style="text-align:right" | 4.000
| style="text-align:right" | 4.000
|-
| style="text-align:left" | Notional MCR (R0560)
| style="text-align:right" | 333.110
| style="text-align:right" | 483.249
|}

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=== Notes ===

* '''LAC DT''': Loss Absorbing Capacity of Deferred Taxes
* '''MCR''': Minimum Capital Requirement
* '''SCR''': Solvency Capital Requirement
* '''SPV''': Special Purpose Vehicle
* '''TP''': Technical Provisions

Unknown/2024/SFCR - Revision history

Wikilah admin: PlumBot: publish from draft