European insurers, read under Solvency II.
Every insurer publishes its solvency and financial condition each year. Each is read in its own market, against its contemporaries.
How strongly capitalised the market is
Each dot is one business’s latest solvency ratio. 100 per cent is the regulatory minimum.
Where the market’s combined ratios sit
Each dot is one business’s latest filed combined ratio. Below 100 per cent is an underwriting profit.
Europe, region by region
Insurers authorised in each European region, counted in their home state.
The solvency ratio
Above 100 per cent, the insurer holds more capital than the regime requires.
Every insurer, in its market
From the Nordics and DACH to the rest of the continent.
Lines and capital
Where each writes, and how its capital is held.
Vendors and change
The platforms each depends on, and programmes under way.
What is an SFCR?
The Solvency and Financial Condition Report every Solvency II insurer publishes each year: performance, governance, risk, valuation and capital.
What is a solvency ratio?
Eligible own funds divided by the solvency capital requirement.