Insurer Brain

Widget:Solvency2 BalanceSheet

Revision as of 10:05, 31 March 2026 by Wikilah admin (talk | contribs)

Solvency II Balance Sheet

Adjust the sliders to explore how changes in assets and liabilities affect the solvency position.

       <svg class="s2-ratio-ring" viewBox="0 0 120 120">
         <circle class="s2-ring-bg" cx="60" cy="60" r="52" />
         <circle class="s2-ring-fg" cx="60" cy="60" r="52" stroke-dasharray="326.73" stroke-dashoffset="326.73" />
       </svg>

         0%
         Solvency Ratio

       SCR Coverage: —
       MCR Coverage: —
Calculating…

Assets

Total: 0 €m

Liabilities & Own Funds

Total: 0 €m
   <fieldset class="s2-fieldset">
     <legend>Assets</legend>

   </fieldset>
   <fieldset class="s2-fieldset">
     <legend>Liabilities</legend>

   </fieldset>
<thead> 
   </thead>
   <tbody id="s2-summary-tbody"></tbody>
Solvency II — Key Figures (€ millions)
ItemValueCategory

This module is for educational purposes only and uses simplified, illustrative figures. Actual Solvency II reporting follows EIOPA technical standards.

<style> /* ===== STRICT SCOPING — every rule prefixed ===== */

  1. insurerbrain-module-solvency2 {
 --s2-accent: #1a6b4e;
 --s2-accent-light: #e3f2ec;
 --s2-warn: #c0760a;
 --s2-warn-light: #fdf3e1;
 --s2-danger: #b52a2a;
 --s2-danger-light: #fce8e8;
 --s2-border: #c8ccd1;
 --s2-text: #202122;
 --s2-text-muted: #54595d;
 --s2-surface: #f8f9fa;
 --s2-white: #ffffff;
 --s2-radius: 0.35rem;
 max-width: 64rem;
 margin: 1.5rem auto;
 padding: 0 0.75rem;

}

/* ---- Header ---- */

  1. insurerbrain-module-solvency2 .s2-header {
 margin-bottom: 1.25rem;

}

  1. insurerbrain-module-solvency2 .s2-title {
 margin: 0 0 0.25rem;
 border-bottom: none;

}

  1. insurerbrain-module-solvency2 .s2-subtitle {
 margin: 0;
 color: var(--s2-text-muted);

}

/* ---- Dashboard ---- */

  1. insurerbrain-module-solvency2 .s2-dashboard {
 display: flex;
 gap: 1.25rem;
 flex-wrap: wrap;
 margin-bottom: 1.5rem;

}

/* -- Ratio Panel -- */

  1. insurerbrain-module-solvency2 .s2-ratio-panel {
 flex: 0 0 auto;
 min-width: 11rem;
 display: flex;
 flex-direction: column;
 align-items: center;
 gap: 0.6rem;
 padding: 1rem;
 border: 1px solid var(--s2-border);
 border-radius: var(--s2-radius);
 background: var(--s2-surface);

}

  1. insurerbrain-module-solvency2 .s2-ratio-ring-wrap {
 position: relative;
 width: 7.5rem;
 height: 7.5rem;

}

  1. insurerbrain-module-solvency2 .s2-ratio-ring {
 width: 100%;
 height: 100%;
 transform: rotate(-90deg);

}

  1. insurerbrain-module-solvency2 .s2-ring-bg {
 fill: none;
 stroke: var(--s2-border);
 stroke-width: 8;

}

  1. insurerbrain-module-solvency2 .s2-ring-fg {
 fill: none;
 stroke: var(--s2-accent);
 stroke-width: 8;
 stroke-linecap: round;
 transition: stroke-dashoffset 0.5s ease, stroke 0.4s ease;

}

  1. insurerbrain-module-solvency2 .s2-ratio-label {
 position: absolute;
 inset: 0;
 display: flex;
 flex-direction: column;
 align-items: center;
 justify-content: center;

}

  1. insurerbrain-module-solvency2 .s2-ratio-value {
 font-size: 1.5rem;
 font-weight: 700;
 line-height: 1.1;
 color: var(--s2-text);

}

  1. insurerbrain-module-solvency2 .s2-ratio-caption {
 font-size: 0.7rem;
 text-transform: uppercase;
 letter-spacing: 0.04em;
 color: var(--s2-text-muted);

}

  1. insurerbrain-module-solvency2 .s2-ratio-badges {
 display: flex;
 flex-wrap: wrap;
 gap: 0.35rem;
 justify-content: center;

}

  1. insurerbrain-module-solvency2 .s2-badge {
 font-size: 0.72rem;
 padding: 0.15rem 0.45rem;
 border-radius: 999px;
 background: var(--s2-accent-light);
 color: var(--s2-accent);
 white-space: nowrap;

}

  1. insurerbrain-module-solvency2 .s2-status-bar {
 font-size: 0.78rem;
 font-weight: 600;
 padding: 0.3rem 0.7rem;
 border-radius: var(--s2-radius);
 text-align: center;
 transition: background 0.3s, color 0.3s;

}

/* -- Balance Sheet Columns -- */

  1. insurerbrain-module-solvency2 .s2-sheet-wrap {
 flex: 1 1 20rem;
 display: flex;
 gap: 0.5rem;
 min-height: 18rem;

}

  1. insurerbrain-module-solvency2 .s2-col {
 flex: 1;
 display: flex;
 flex-direction: column;
 border: 1px solid var(--s2-border);
 border-radius: var(--s2-radius);
 overflow: hidden;
 background: var(--s2-white);

}

  1. insurerbrain-module-solvency2 .s2-col-head {
 margin: 0;
 padding: 0.45rem 0.6rem;
 font-size: 0.82rem;
 text-transform: uppercase;
 letter-spacing: 0.04em;
 border-bottom: 1px solid var(--s2-border);
 background: var(--s2-surface);

}

  1. insurerbrain-module-solvency2 .s2-bar-stack {
 flex: 1;
 display: flex;
 flex-direction: column;
 padding: 0.25rem;
 gap: 2px;

}

  1. insurerbrain-module-solvency2 .s2-bar-item {
 display: flex;
 align-items: center;
 justify-content: space-between;
 padding: 0.25rem 0.45rem;
 border-radius: 3px;
 font-size: 0.75rem;
 color: var(--s2-white);
 transition: flex-grow 0.45s ease;
 overflow: hidden;
 min-height: 1.4rem;

}

  1. insurerbrain-module-solvency2 .s2-bar-item span:last-child {
 font-weight: 600;
 margin-left: 0.3rem;
 white-space: nowrap;

}

  1. insurerbrain-module-solvency2 .s2-col-total {
 padding: 0.35rem 0.6rem;
 font-size: 0.82rem;
 border-top: 1px solid var(--s2-border);
 background: var(--s2-surface);
 text-align: right;

}

/* ---- Controls ---- */

  1. insurerbrain-module-solvency2 .s2-controls {
 display: flex;
 gap: 1rem;
 flex-wrap: wrap;
 margin-bottom: 1.25rem;

}

  1. insurerbrain-module-solvency2 .s2-fieldset {
 flex: 1 1 18rem;
 border: 1px solid var(--s2-border);
 border-radius: var(--s2-radius);
 padding: 0.6rem 0.8rem 0.8rem;
 margin: 0;
 background: var(--s2-surface);

}

  1. insurerbrain-module-solvency2 .s2-fieldset legend {
 font-weight: 600;
 font-size: 0.85rem;
 padding: 0 0.3rem;

}

  1. insurerbrain-module-solvency2 .s2-slider-grid {
 display: grid;
 grid-template-columns: repeat(auto-fill, minmax(13rem, 1fr));
 gap: 0.55rem;

}

  1. insurerbrain-module-solvency2 .s2-slider-group {
 display: flex;
 flex-direction: column;
 gap: 0.15rem;

}

  1. insurerbrain-module-solvency2 .s2-slider-label {
 display: flex;
 justify-content: space-between;
 font-size: 0.78rem;
 color: var(--s2-text-muted);

}

  1. insurerbrain-module-solvency2 .s2-slider-label strong {
 color: var(--s2-text);

}

  1. insurerbrain-module-solvency2 .s2-slider-group input[type="range"] {
 width: 100%;
 cursor: pointer;
 accent-color: var(--s2-accent);

}

/* ---- Summary Table ---- */

  1. insurerbrain-module-solvency2 .s2-summary-table {
 width: 100%;
 margin-top: 0;

}

/* ---- Footnote ---- */

  1. insurerbrain-module-solvency2 .s2-footnote {
 font-size: 0.78rem;
 color: var(--s2-text-muted);
 margin-top: 0.5rem;

}

/* ---- Status colours ---- */

  1. insurerbrain-module-solvency2 .s2-status-good {
 background: var(--s2-accent-light);
 color: var(--s2-accent);

}

  1. insurerbrain-module-solvency2 .s2-status-warn {
 background: var(--s2-warn-light);
 color: var(--s2-warn);

}

  1. insurerbrain-module-solvency2 .s2-status-danger {
 background: var(--s2-danger-light);
 color: var(--s2-danger);

}

/* ---- Responsive ---- */ @media (max-width: 48rem) { 

 #insurerbrain-module-solvency2 .s2-dashboard {
   flex-direction: column;
 }
 #insurerbrain-module-solvency2 .s2-ratio-panel {
   flex-direction: row;
   flex-wrap: wrap;
   justify-content: center;
 }
 #insurerbrain-module-solvency2 .s2-sheet-wrap {
   min-height: 14rem;
 }

} </style>

<script> (function () { 

 'use strict';

 /* ============ DATA MODEL ============ */
 var assetItems = [
   { key: 'gov_bonds',   label: 'Government Bonds',       value: 350, min: 0, max: 800, color: '#1a6b4e' },
   { key: 'corp_bonds',  label: 'Corporate Bonds',         value: 220, min: 0, max: 600, color: '#2a8c68' },
   { key: 'equities',    label: 'Equities',                value: 120, min: 0, max: 400, color: '#3bae85' },
   { key: 'property',    label: 'Property',                value: 80,  min: 0, max: 300, color: '#5bc4a0' },
   { key: 'reins_recv',  label: 'Reinsurance Recoverables',value: 60,  min: 0, max: 200, color: '#85d4b8' },
   { key: 'cash',        label: 'Cash & Equivalents',      value: 40,  min: 0, max: 200, color: '#abd9c9' }
 ];

 var liabilityItems = [
   { key: 'best_est',    label: 'Best Estimate Liabilities', value: 480, min: 100, max: 900, color: '#8b3a3a' },
   { key: 'risk_margin', label: 'Risk Margin',               value: 45,  min: 5,   max: 150, color: '#b35656' },
   { key: 'other_liab',  label: 'Other Liabilities',         value: 55,  min: 0,   max: 200, color: '#cc8080' },
   { key: 'scr',         label: 'SCR (Own Funds Buffer)',     value: 180, min: 20,  max: 400, color: '#1b5e90' },
   { key: 'mcr',         label: 'MCR (Minimum Capital)',      value: 70,  min: 10,  max: 200, color: '#3a8bc2' }
 ];

 /* ============ REFERENCES ============ */
 var root           = document.getElementById('insurerbrain-module-solvency2');
 var assetSliders   = root.querySelector('#s2-asset-sliders');
 var liabSliders    = root.querySelector('#s2-liability-sliders');
 var assetBars      = root.querySelector('#s2-asset-bars');
 var liabBars       = root.querySelector('#s2-liability-bars');
 var assetTotalEl   = root.querySelector('#s2-asset-total');
 var liabTotalEl    = root.querySelector('#s2-liability-total');
 var ratioValueEl   = root.querySelector('#s2-ratio-value');
 var ringFg         = root.querySelector('.s2-ring-fg');
 var statusBar      = root.querySelector('#s2-status-bar');
 var badgeSCR       = root.querySelector('#s2-badge-scr');
 var badgeMCR       = root.querySelector('#s2-badge-mcr');
 var tbody          = root.querySelector('#s2-summary-tbody');

 var CIRCUMFERENCE  = 2 * Math.PI * 52; // matches r=52

 /* ============ BUILD SLIDERS ============ */
 function buildSliders(items, container) {
   items.forEach(function (item) {
     var group = document.createElement('div');
     group.className = 's2-slider-group';

     var lbl = document.createElement('div');
     lbl.className = 's2-slider-label';
     lbl.innerHTML = '' + item.label + '' + item.value + '';

     var inp = document.createElement('input');
     inp.type = 'range';
     inp.min = item.min;
     inp.max = item.max;
     inp.value = item.value;
     inp.id = 's2-range-' + item.key;
     inp.setAttribute('aria-label', item.label + ' (€m)');

     inp.addEventListener('input', function () {
       item.value = Number(this.value);
       root.querySelector('#s2-val-' + item.key).textContent = item.value;
       update();
     });

     group.appendChild(lbl);
     group.appendChild(inp);
     container.appendChild(group);
   });
 }

 /* ============ BUILD BAR ITEMS (once) ============ */
 function buildBars(items, container) {
   items.forEach(function (item) {
     var bar = document.createElement('div');
     bar.className = 's2-bar-item';
     bar.id = 's2-bar-' + item.key;
     bar.style.background = item.color;
     bar.innerHTML = '' + item.label + '';
     container.appendChild(bar);
   });
 }

 /* ============ UPDATE ============ */
 function update() {
   var totalAssets = assetItems.reduce(function (s, i) { return s + i.value; }, 0);
   var techProv    = liabilityItems[0].value + liabilityItems[1].value; // BE + RM
   var otherLiab   = liabilityItems[2].value;
   var scrReq      = liabilityItems[3].value;
   var mcrReq      = liabilityItems[4].value;

   var totalLiabSide = techProv + otherLiab + scrReq + mcrReq;

   // Eligible Own Funds = Assets - Technical Provisions - Other Liabilities
   var eof = totalAssets - techProv - otherLiab;
   if (eof < 0) eof = 0;

   var solvencyRatio = scrReq > 0 ? (eof / scrReq) * 100 : 0;
   var mcrRatio      = mcrReq > 0 ? (eof / mcrReq) * 100 : 0;

   // Ratio ring
   var capped = Math.min(solvencyRatio, 250);
   var offset = CIRCUMFERENCE - (CIRCUMFERENCE * capped / 250);
   ringFg.style.strokeDashoffset = offset;

   var ringColor;
   if (solvencyRatio >= 150) ringColor = '#1a6b4e';
   else if (solvencyRatio >= 100) ringColor = '#c0760a';
   else ringColor = '#b52a2a';
   ringFg.style.stroke = ringColor;

   ratioValueEl.textContent = Math.round(solvencyRatio) + '%';

   badgeSCR.textContent = 'SCR Coverage: ' + Math.round(solvencyRatio) + '%';
   badgeMCR.textContent = 'MCR Coverage: ' + Math.round(mcrRatio) + '%';

   // Status
   statusBar.classList.remove('s2-status-good', 's2-status-warn', 's2-status-danger');
   if (solvencyRatio >= 150) {
     statusBar.textContent = 'Comfortable — well above SCR';
     statusBar.classList.add('s2-status-good');
   } else if (solvencyRatio >= 100) {
     statusBar.textContent = 'Caution — approaching SCR threshold';
     statusBar.classList.add('s2-status-warn');
   } else {
     statusBar.textContent = 'Breach — own funds below SCR';
     statusBar.classList.add('s2-status-danger');
   }

   // Asset bars
   assetItems.forEach(function (item) {
     var bar = root.querySelector('#s2-bar-' + item.key);
     bar.style.flexGrow = item.value || 0.01;
     bar.querySelector('span:last-child').textContent = item.value + ' €m';
   });
   assetTotalEl.textContent = totalAssets;

   // Liability bars
   liabilityItems.forEach(function (item) {
     var bar = root.querySelector('#s2-bar-' + item.key);
     bar.style.flexGrow = item.value || 0.01;
     bar.querySelector('span:last-child').textContent = item.value + ' €m';
   });
   liabTotalEl.textContent = totalLiabSide;

   // Summary table
   var rows = [];
   assetItems.forEach(function (i)  { rows.push([i.label, i.value, 'Asset']); });
   rows.push(['Total Assets', '' + totalAssets + '', ]);
   liabilityItems.forEach(function (i) { rows.push([i.label, i.value, 'Liability / Capital']); });
   rows.push(['Technical Provisions', '' + techProv + '', ]);
   rows.push(['Eligible Own Funds', '' + Math.round(eof) + '', ]);
   rows.push(['Solvency Ratio (EOF / SCR)', '' + Math.round(solvencyRatio) + '%', ]);

   tbody.innerHTML = rows.map(function (r) {

return '' + r[0] + '' + r[1] + '' + r[2] + ''; 

   }).join();
 }

 /* ============ INIT ============ */
 buildSliders(assetItems, assetSliders);
 buildSliders(liabilityItems, liabSliders);
 buildBars(assetItems, assetBars);
 buildBars(liabilityItems, liabBars);
 update();

})(); </script>

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