SUMMARY INTERIM REPORT 1Q2015

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1 1st QUARTER REPORT

2 SUMMARY INTERIM REPORT 1Q2015 The result for Norwegian Hull Club (NHC) in the first quarter of 2015 is minus USD 9.3 million. Technical result of insurance operations is minus USD 2.9 million and net result of financial items is minus USD 6.3 million. Profitability on insurance operations is below expectations. The underlying gross earned premiums are in line with 2014, although last years figures were affected by run-off losses on premium estimates. There has been two major claims impacting the insurance result. Return on the investment portfolio is 1.3 % in local currency. In USD, the return is minus 0.9 %, corresponding to minus USD 3.6 mill. The balance of financial income items stems from interest earned on bank accounts and receivables as well as currency items. Capital, the sum of equity and provision for risk equalization, is USD mill at the end of March Key figures (in USD 1,000): Gross premium earned Premium for own account Technical result Financial items Operating result

3 KEY FIGURES (usd 1 000) Gross earned premiums Gross claims Gross result Premiums for own account Claims for own account Insurance result for own account Net operating expenses Technical result Net financial items Operating result Loss ratio 98,0 % 68,6 % 61,8 % Combined ratio 106,9 % 82,3 % 73,4 % Investment portfolio Bank deposits Receivables Other assets TOTAL ASSETS Equity & provision for risk equalisation Claims provision Other provisions Payables and other liabilities TOTAL EQUITY AND LIABILITIES

4 KEY FIGURES OPERATING RESULT NET FINANCIAL INCOME TECHNICAL RESULT Operating Result Net financial income Technical result

5 STATEMENT OF COMPREHENSIVE INCOME (USD) Gross premiums Reinsurance premiums Change in provisions for unearned gross premiums Reinsurers' share of change in provisions A Premiums for own account B Allocated investment return from non technical accounts C Other insurance related income Gross paid claims Reinsurers share of gross claims Change in gross claims reserve Reinsurers' share of change in gross claims reserve D Claims for own account Marketing expenses Commissions earned E Total insurance related expenses for own account F Other insurance related expenses G Operating result technical accounts before change in solvency capital (A+B+C-D-E-F) Change in provisions for risk equalisation H Total changes in risk provisions I Operating result technical accounts (G-H)

6 STATEMENT OF COMPREHENSIVE INCOME CONT. (USD) Financial income Realised gains and losses Adjustment investment portfolio J Total financial income K Administration expenses financial assets L Allocated investment return transferred to technical accounts M Result from ordinary operations (I+J-K-L) - - 6

7 ASSETS Deferred tax benefit Total intangible assets Shares in subsidiaries Other shares Mortgage loans Stocks and shares Bonds and foreign exchange contracts Financial derivatives Bank deposits investment portfolio Total financial assets Reinsured proportion of gross premium provisions Reinsured proportion of gross claims provision Total reinsured proportion of insurance provisions Insurance related receivables Reinsurance receivables Disbursements Other receivables Total receivables Properties Equipment and fixtures Cash and bank deposits Deferred tax - - Total other assets Accrued interest TOTAL ASSETS

8 EQUITY AND LIABILITIES Equity Other equity Total equity Unearned gross premium provision Gross claims provision Unearned commission provision Total gross insurance provisions Provision for risk equalisation Total risk provisions etc Pension liability Withheld payroll tax, social security etc Deferred tax Taxes payable - 0 Total tax etc. payable Payables direct insurance accounts Payables reinsurance Payables other accounts Total payables TOTAL EQUITY AND LIABILITIES

9 CHANGES IN EQUITY Owners' funds Other equity Total equity Norwegian Hull Club Equity at Adjustments pension liability Adjusted result (change in equalisation reserve) Equity Equity at Adjustments pension liability Adjusted result ( change in equalisation reserve) Allocation Equity at Allocation Equity

10 Statement of cash flows - USD Profit of the year before tax - - Change in net technical reserves Net profit on sale of fixed shares - - Change in disbursements Net profit on sale of fixed assets - - Change in net pension funds - - Change in net receivables Depreciation Taxes paid - - Net cash flow from operations before financial assets Change in net bonds Change in net stocks and shares Change in net financial derivatives Net cash flow from financial assets A Net cash flow from operational activities Cash generated / used by investing activities Net receipts/payments related to purchase/capitalization - - of subsidiaries and associated companies Net receipts/payments related to sale/purchase of fixed assets Change in mortgage loans B Net cash inflow / outflow from investment activities C Effect of changes in exchange rates on cash and cash equivalents A+B+C Net change in cash and cash equivalents Cash and cash equivalents Cash and cash equivalents

11 Explanatory notes to the interim financial report Note 1 - Accounting policies Norwegian Hull Clubs interim financial report is presented in accordance with IAS 34 interim financial reporting and in compliance with the Norwegian Accounting Act, Finance Ministry's prescribed regulations from December 16, 1998 on Financial Statements for Insurance companies and regulations from January 21, 2008 on simplified IFRS. The application of IAS 34 means that the report is limited relative to presentation of a full annual report. The accounting policies are unchanged from the annual report 2014 and the annual report contains the full description of the accounting policies. IAS19 has been implemented in the first quarter of 2015 and this has adjusted the balance sheet as of The increased pension liability is a change of accounting principle and has been booked against equity. In order to fullfill capital requirements the equity is retained at the same level and the equalisation reserve has been reduced accordingly. Note 2 - Claims expenses Gross paid claims Change in outstanding gross claims reserve Gross claims Paid claims for own account Change in outstanding claims reserve for own account Claims for own account

12 Note 3 - Market value adjustments Change Book Value Market Value Book Value Market Value Book Value Market Value Bonds Stocks and shares ( ) ( ) Derivatives ( ) ( ) ( ) ( ) In total Note 4 - Off balance items Guarantee liability regarding claims Gross guarantees issued Counter-guarantees from co-insurers Guarantees for own account All guarantees relate to clients` liabilities in connection with collisions, groundings etc. associated with the Club`s activities. Note 5 - Material events subsequent to the end of the interim period To our best knowledge there has been no material events subsequent to the end of the interim period

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