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Report on the use of capital add-ons during 2018
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Report on the use of capital add-ons during 2018
Metaúdaje publikácie
The objective of the capital add-on measure is to ensure that the regulatory capital requirements reflect the risk profile of the undertaking or of the group. Therefore, it is important that it is used by national competent authorities (NCAs) when needed and it is important to ensure a high degree of supervisory convergence between NCAs within the 31 European Economic Area Member States, including
the EU Member States, regarding its use. This analysis is based on 2018 year-end Solvency II data collected under Directive 2009/138/EC as reported by the undertakings and insurance groups complemented by a survey that entailed both qualitative and quantitative questions. All 31 NCAs reported no changes in the internal process of setting and reviewing capital add-ons for solo undertakings, including solo undertakings that are part of a cross-border group. The majority of NCAs do not have formal policies in place and the overall use of capital add-ons remains extremely limited. During 2018, eight NCAs set capital add-ons to 21 solo insurance and reinsurance undertakings, and one NCA used it for three groups. These include 10 non-life undertakings, eight life undertakings, two reinsurers and one composite. When used, capital add-ons have a material impact on the solvency capital requirement (SCR) of some of the entities, increasing it by more than 10% in all cases (with the exception of five). In fact, in 2018, the distribution varies highly with the largest weight of the capital add-on being 80% and the smallest weight being close to 0%. Article 31 of the Solvency II Directive and the provisions of related delegated regulations requires NCAs that set capital add-ons to disclose the number of capital add-ons, the average capital add-on per undertaking and the distribution of capital add-ons measured as a percentage of the SCR, with regard to all insurance and reinsurance undertakings supervised under Directive 2009/138/EC. Out of the eight NCAs that set capital add-ons in 2018 this information was disclosed by all NCAs on their websites. According to the regulatory framework, capital add-ons are to be used as a measure of last resort, when they are exceptional and transitory and should be considered only when other supervisory measures have failed, are unlikely to succeed or are not feasible. This context contributed to the current limited use of this tool with NCAs recognising that additional capital add-ons should have been set from a prudential point of view but that they had not done so because of the complexity of the process. In this sense, a streamlining/simplification of the process for setting capital add-ons would allow better use of this tool.
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Súvisiace publikácie
Dátum uverejnenia:
2020-06-04
Kolektiv autorov:
Európsky orgán pre poisťovníctvo a dôchodkové poistenie zamestnancov
(
Orgán alebo agentúra EÚ
)
Témy
Banky, poisťovne
Oblasť:
finančná kontrola
,
finančná solventnosť
,
finančný dohľad
,
poistné právo
,
poisťovacia spoločnosť
,
životné poistenie
PDF
ISSN
2599-8781
ISBN
978-92-9473-222-4
DOI
10.2854/138559
Katalógové číslo
EI-AK-19-001-EN-N
PDF
ISSN
2599-8781
ISBN
978-92-9473-222-4
DOI
10.2854/138559
Katalógové číslo
EI-AK-19-001-EN-N
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