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📅 '''Full year 2025''' denotes the twelve-month reporting period ended December 31, 2025, for insurerscompanies on a calendarwhose financial year —follows the prevailingcalendar, the dominant convention among largelisted insurance groupsissuers worldwide, insurers included. Written FY25, FY2025, or spelled out, the label names the complete annual period as opposed to the half-year and quarterly slices nested inside it.
🧾 Reporting on the period ran through the standard corporate cycle: earnings releases in early 2026, then annual reports, and statutory accounts, andover solvencythe following months. Insurers layered their sector's own disclosures on top (solvency publications such as the European SFCR), over the following months.and Forfor most groups applying IFRS 17 and IFRS 9 this was the third complete year on the new insurance standards, so its figures compare cleanly with 2024 without the restatement noise that complicated the transition years. The period also serves as the prior-year column in everything published about 2026.
🔗 Audited annual figures do work that interim numbers cannot: they feed regulatory returns and rating-agency models, settle dividend decisions, and close out plan targets set years earlier. Matching a figure precisely to full year 2025 —, rather than to a half-year within it or a neighboring annual period —, is the precondition for any growth rate, consensus check, or target comparison built on it.
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