ANNUAL RETURN: FORM 1 - FUND BALANCE SHEET. 3,906,146 Debt securities. 69,408,444 Land and buildings. 10,117,607 Other invested assets

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1 ANNUAL RETURN: FORM - FUND BALANCE SHEET 5 General: Singapore Insurance Fund Annex Row No. ASSETS Equity securities A,96,6 Debt securities B 69,8, Land and buildings C Loans D Cash and deposits 5,7,67 Other invested assets E 6 Investment income due or accrued 7 6,67 Outstanding premiums and agents' balances F 8 7,88,58 Deposits withheld by cedants Reinsurance recoverables (on paid claims) G,69,5 Income tax recoverables Fixed assets H,87,675 Inter-fund balances and intra group balances (due from) I Other assets Total Assets ( to ) J 5 59,8 97,7,97 LIABILITIES Policy liabilities K 6 6,85,7 Other liabilities: Outstanding claims 7 Annuities due and unpaid 8 Reinsurance deposits 9 897,6 s owing to insurers,99,7 Bank loans and overdrafts Inter-fund balances and intra-group balances (due to) L 7,57 Others Total Liabilities (6 to ) M 5,9,58 56,65,86 SURPLUS (5 - ) N 5,77,56 /5/6 9: AM

2 ANNUAL RETURN: FORM - FUND BALANCE SHEET 5 General: Offshore Insurance Fund Annex Row No. ASSETS Equity securities A Debt securities B Land and buildings C Loans D Cash and deposits 5 Other invested assets E 6 Investment income due or accrued 7 Outstanding premiums and agents' balances F 8 Deposits withheld by cedants 9 Reinsurance recoverables (on paid claims) G Income tax recoverables Fixed assets H Inter-fund balances and intra group balances (due from) I Other assets Total Assets ( to ) J 5 LIABILITIES Policy liabilities K 6 Other liabilities: Outstanding claims 7 Annuities due and unpaid 8 Reinsurance deposits 9 s owing to insurers Bank loans and overdrafts Inter-fund balances and intra-group balances (due to) L Others Total Liabilities (6 to ) M SURPLUS (5 - ) N 5 /5/6 9: AM

3 ANNUAL RETURN: ANNEX A - INVESTMENT IN EQUITY SECURITIES 5 General: Singapore Insurance Fund Row No. Listed Unlisted Equity securities other than collective investment schemes,96,6,96,6 Collective investment schemes Total ( to ) = Row of Form,96,6 /5/6 9::6 AM

4 ANNUAL RETURN: ANNEX A - INVESTMENT IN EQUITY SECURITIES 5 General: Offshore Insurance Fund Row No. Listed Unlisted Equity securities other than collective investment schemes Collective investment schemes Total ( to ) = Row of Form /5/6 9::6 AM

5 ANNUAL RETURN: ANNEX B - INVESTMENT IN DEBT SECURITIES 5 General: Singapore Insurance Fund Row No. Government debt securities,8,7 Qualifying debt securities,5,6 Other debt securities,69,767 Total ( to ) = Row of Form 69,8, /5/6 9::6 AM

6 ANNUAL RETURN: ANNEX B - INVESTMENT IN DEBT SECURITIES 5 General: Offshore Insurance Fund Row No. Government debt securities Qualifying debt securities Other debt securities Total ( to ) = Row of Form /5/6 9::6 AM

7 ANNUAL RETURN: ANNEX C - INVESTMENT IN LAND AND BUILDINGS 5 General: Singapore Insurance Fund Location and of Land and Buildings Row No. Cost Last Revaluation Date Last Reported Changes from Last Reported Total = Row of Form /5/6 9::58 AM

8 ANNUAL RETURN: ANNEX C - INVESTMENT IN LAND AND BUILDINGS 5 General: Offshore Insurance Fund Location and of Land and Buildings Row No. Cost Last Revaluation Date Last Reported Changes from Last Reported Total = Row of Form /5/6 9::58 AM

9 ANNUAL RETURN: ANNEX D - INVESTMENT IN LOANS 5 General: Singapore Insurance Fund Row No. Outstanding Provision for Doubtful Loans Policy loans Mortgage loans Other secured loans Unsecured loans Total ( to ) = Row of Form 5 /5/6 9::6 AM

10 ANNUAL RETURN: ANNEX D - INVESTMENT IN LOANS 5 General: Offshore Insurance Fund Row No. Outstanding Provision for Doubtful Loans Policy loans Mortgage loans Other secured loans Unsecured loans Total ( to ) = Row of Form 5 /5/6 9::6 AM

11 ANNUAL RETURN: ANNEX E - BREAKDOWN OF OTHER INVESTED ASSETS General: Singapore Insurance Fund 5 Row No. Notional Principal Derivatives Options: (a) Call options (b) Put options (c) Swaptions (d) Other options Total investments in options ( to ) 5 Futures contracts: (a) Currency futures contracts 6 (b) Interest rate futures contracts 7 (c) Other futures contracts 8 Total investments in futures contracts (6 to 8) 9 Forward contracts: (a) Currency forward contracts (b) Interest rate forward contracts (c) Other forward contracts Total investments in forward contracts ( to ) Swaps: (a) Interest rate swaps (b) Currency swaps 5 (c) Other swaps 6 Total investments in swaps ( to 6) 7 Other derivatives 8 Total investments in derivatives ( ) 9 Other invested assets excluding derivatives /5/6 9: AM

12 Total investments in other invested assets excluding derivatives Total = Row 6 of Form /5/6 9: AM

13 ANNUAL RETURN: ANNEX E - BREAKDOWN OF OTHER INVESTED ASSETS General: Offshore Insurance Fund 5 Row No. Notional Principal Derivatives Options: (a) Call options (b) Put options (c) Swaptions (d) Other options Total investments in options ( to ) 5 Futures contracts: (a) Currency futures contracts 6 (b) Interest rate futures contracts 7 (c) Other futures contracts 8 Total investments in futures contracts (6 to 8) 9 Forward contracts: (a) Currency forward contracts (b) Interest rate forward contracts (c) Other forward contracts Total investments in forward contracts ( to ) Swaps: (a) Interest rate swaps (b) Currency swaps 5 (c) Other swaps 6 Total investments in swaps ( to 6) 7 Other derivatives 8 Total investments in derivatives ( ) 9 Other invested assets excluding derivatives /5/6 9: AM

14 Total investments in other invested assets excluding derivatives Total = Row 6 of Form /5/6 9: AM

15 ANNUAL RETURN: ANNEX F(b) - AGEING OF OUTSTANDING PREMIUMS AND AGENTS' BALANCES OF DIRECT GENERAL INSURER General: Singapore Insurance Fund 5 Row No. Direct Business - Agents Direct Business - Brokers Direct Business - Others In respect of direct business Bad debts written off during the year,77,77 Ageing of outstanding premiums and agents' balances: Outstanding period Up to months,8,9,979,768,6 6,78,55 Above months but not exceeding 6 months 65,79,,8 959,67 Above 6 months but not exceeding months 5,55 5,8 6,6 Above months 5,96 8,59,5 Gross total ( to 5) 6,59,589,,75 6,75 7,86,78 Provision for doubtful debts 7 Total outstanding premiums and agents' balances in respect of direct business (6-7) 8,59,589,,75 6,75 7,86,78 In respect of reinsurance business Bad debts written off during the year 9 Ageing of outstanding premiums and agents' balances: Outstanding period /5/6 9: AM

16 Up to 6 months Above 6 months but not exceeding months Above months but not exceeding months Above months Gross total ( to ) Provision for doubtful debts Total outstanding premiums and agents' balances in respect of reinsurance business ( - 5) Total (8 + 6) = Row 8 of Form ,99,59,5,5 7,88,58 Note: For direct insurance business, outstanding period starts from date of commencement of the cover. In respect of reinsurance business, outstanding period commences from the date of premiums are accrued in the books of the licensed insurer. /5/6 9: AM

17 ANNUAL RETURN: ANNEX F(b) - AGEING OF OUTSTANDING PREMIUMS AND AGENTS' BALANCES OF DIRECT GENERAL INSURER General: Offshore Insurance Fund 5 Row No. Direct Business - Agents Direct Business - Brokers Direct Business - Others In respect of direct business Bad debts written off during the year Ageing of outstanding premiums and agents' balances: Outstanding period Up to months Above months but not exceeding 6 months Above 6 months but not exceeding months Above months 5 Gross total ( to 5) 6 Provision for doubtful debts 7 Total outstanding premiums and agents' balances in respect of direct business (6-7) 8 In respect of reinsurance business Bad debts written off during the year 9 Ageing of outstanding premiums and agents' balances: Outstanding period Up to 6 months /5/6 9: AM

18 Above 6 months but not exceeding months Above months but not exceeding months Above months Gross total ( to ) Provision for doubtful debts Total outstanding premiums and agents' balances in respect of reinsurance business ( - 5) Total (8 + 6) = Row 8 of Form Note: For direct insurance business, outstanding period starts from date of commencement of the cover In respect of reinsurance business, outstanding period commences from the date of premiums are accrued in the books of the licensed insurer. /5/6 9: AM

19 ANNUAL RETURN: ANNEX G - STATEMENT OF REINSURANCE RECOVERABLES 5 General: Singapore Insurance Fund Reinsurance recoveries on unpaid claims Reinsurance recoverables written off during the year Ageing of reinsurance recoverables (on paid claims): Outstanding period Up to year Above year but not exceeding years Above years Total ( to 5) Provision for doubtful reinsurance recoverables Total (6-7) = Row of Form Row No ,5,98,66,879 6,7,69,5,69,5 /5/6 9: AM

20 ANNUAL RETURN: ANNEX G - STATEMENT OF REINSURANCE RECOVERABLES 5 General: Offshore Insurance Fund Reinsurance recoveries on unpaid claims Reinsurance recoverables written off during the year Ageing of reinsurance recoverables (on paid claims): Outstanding period Up to year Above year but not exceeding years Above years Total ( to 5) Provision for doubtful reinsurance recoverables Total (6-7) = Row of Form Row No /5/6 9: AM

21 ANNUAL RETURN: ANNEX H - FIXED ASSETS 5 General: Singapore Insurance Fund Motor vehicles Computer equipment Other fixed assets Total ( to ) = Row of Form Row No.,7,7 6,97,87,675 /5/6 9: AM

22 ANNUAL RETURN: ANNEX H - FIXED ASSETS 5 General: Offshore Insurance Fund Motor vehicles Computer equipment Other fixed assets Total ( to ) = Row of Form Row No. /5/6 9: AM

23 ANNUAL RETURN: ANNEX I - INTER-FUND BALANCES AND INTRA-GROUP BALANCES (DUE FROM) 5 General: Singapore Insurance Fund Balances due from head office / shareholders fund Balances due from overseas branches / related corporations Balances due from other insurance funds established and maintained under the Act Total ( to ) = Row of Form Row No. /5/6 9: AM

24 ANNUAL RETURN: ANNEX I - INTER-FUND BALANCES AND INTRA-GROUP BALANCES (DUE FROM) 5 General: Offshore Insurance Fund Balances due from head office / shareholders fund Balances due from overseas branches / related corporations Balances due from other insurance funds established and maintained under the Act Total ( to ) = Row of Form Row No. /5/6 9: AM

25 ANNUAL RETURN: ANNEX J - BREAKDOWN OF OTHER ASSETS 5 General: Singapore Insurance Fund Row No. Miscellaneous deposit 86,8 Deposit with franking machine,6 A/C receivable (Investments - others) 7,75 Prepayment& others,7 Total = Row of Form 6 59,8 /5/6 9: AM

26 ANNUAL RETURN: ANNEX J - BREAKDOWN OF OTHER ASSETS 5 General: Offshore Insurance Fund Row No. Total = Row of Form 6 /5/6 9: AM

27 ANNUAL RETURN: ANNEX L - INTER-FUND BALANCES AND INTRA-GROUP BALANCES (DUE TO) 5 General: Singapore Insurance Fund Balances due to head office / shareholders fund Balances due to overseas branches / related corporations Balances due to other insurance funds established and maintained under the Act Total ( to ) = Row of Form Row No.,765 5,69 7,57 /5/6 9: AM

28 ANNUAL RETURN: ANNEX L - INTER-FUND BALANCES AND INTRA-GROUP BALANCES (DUE TO) 5 General: Offshore Insurance Fund Balances due to head office / shareholders fund Balances due to overseas branches / related corporations Balances due to other insurance funds established and maintained under the Act Total ( to ) = Row of Form Row No. /5/6 9: AM

29 ANNUAL RETURN: ANNEX M - BREAKDOWN OF OTHERS 5 General: Singapore Insurance Fund Row No. Provision for auditors fees 6, Provision for tax consultant fees 9, Provision for unutilised leave 95,5 Provision for income tax 9,6 Deposit by credit agents 5, A/C Payable (Accrued expenses) 6,57,9 A/C Payable (Outstanding premium balances) 7 67,88 A/C Payable (Unclaimed cheque) 8, A/C Payable (GIA) 9,6 A/C Payable (Collateral deposits) 5, A/C Payable (Withholding Tax) 7 A/C Payable (Others) 55,57 Deposit from counter guarantor,58,7 Total = Row of Form 6 5,9,58 /5/6 9: AM

30 ANNUAL RETURN: ANNEX M - BREAKDOWN OF OTHERS 5 General: Offshore Insurance Fund Row No. Total = Row of Form 6 /5/6 9: AM

31 ANNUAL RETURN: ANNEX N - SURPLUS 5 General: Singapore Insurance Fund Surplus at beginning of period Net income Transfer (to) from head office / shareholders fund Surplus at End of Period ( to ) = Row 5 of Form Row No.,,8,9,78-6,,7,77,56 /5/6 9: AM

32 ANNUAL RETURN: ANNEX N - SURPLUS 5 General: Offshore Insurance Fund Surplus at beginning of period Net income Transfer (to) from head office / shareholders fund Surplus at End of Period ( to ) = Row 5 of Form Row No. /5/6 9: AM

33 ANNUAL RETURN: ANNEX (ii) - INFORMATION IN RESPECT OF REDUCTION IN UNEARNED PREMIUM RESERVES DUE TO REINSURANCE CEDED TO REINSURERS IN RESPECT OF GENERAL BUSINESS 5 General: Singapore Insurance Fund Licensed insurer / foreign insurer under the foreign insurer scheme Authorised reinsurer / related corporation / head office / branch of head office of the licensed insurer Unlicensed reinsurer Total ( to ) Row No. 8,9,867 59,5,58,998 9,66,5 /5/6 9::6 AM

34 ANNUAL RETURN: ANNEX (ii) - INFORMATION IN RESPECT OF REDUCTION IN UNEARNED PREMIUM RESERVES DUE TO REINSURANCE CEDED TO REINSURERS IN RESPECT OF GENERAL BUSINESS 5 General: Offshore Insurance Fund Licensed insurer / foreign insurer under the foreign insurer scheme Authorised reinsurer / related corporation / head office / branch of head office of the licensed insurer Unlicensed reinsurer Total ( to ) Row No. /5/6 9::6 AM

35 ANNUAL RETURN: ANNEX (iii) - INFORMATION IN RESPECT OF INVESTMENTS IN A RELATED CORPORATION OF LICENSED INSURER 5 General: Singapore Insurance Fund of Assets and Name of Investee Company Row No. No. of Units Cost Name of company: - Equity securities Debt securities Secured loans Unsecured loans Other invested assets 5 /5/6 9:: AM

36 ANNUAL RETURN: ANNEX (iii) - INFORMATION IN RESPECT OF INVESTMENTS IN A RELATED CORPORATION OF LICENSED INSURER 5 General: Offshore Insurance Fund of Assets and Name of Investee Company Row No. No. of Units Cost Name of company: - Equity securities Debt securities Secured loans Unsecured loans Other invested assets 5 /5/6 9:: AM

37 ANNUAL RETURN: NOTES TO FORM 5 General: Singapore Insurance Fund Note The aggregate amounts of loans to and amounts due from - (a) Directors (b) Employees of the licensed insurer Row No. Note (a) Intangible assets - Computer software 6,87 Row No. Note (b) Contingent assets - NA Note - of any change in accounting policies and methodologies in the valuation of assets and liabilities and the quantification of their effects. NA Note - of any prior adjustment and correction for errors and reasons for the adjustments and corrections. NA Note 5 In respect of financial guarantee business - /5/6 9: AM

38 (a) where premiums are payable in instalments, the present value of future instalment premiums payable by the insured in a future accounting period and discount rate used (b) where the premiums are payable in full at the commencement of the policy of insurance, the full amount of the premiums payable by the insured in the accounting period in which the policy commences. /5/6 9: AM

39 ANNUAL RETURN: NOTES TO FORM 5 General: Offshore Insurance Fund Note The aggregate amounts of loans to and amounts due from - (a) Directors (b) Employees of the licensed insurer Note - of any change in accounting policies and methodologies in the valuation of assets and liabilities and the quantification of their effects. NA Note - of any prior adjustment and correction for errors and reasons for the adjustments and corrections. NA Note 5 In respect of financial guarantee business - (a) where premiums are payable in instalments, the present value of future instalment premiums payable by the insured in a future accounting period and discount rate used (b) where the premiums are payable in full at the commencement of the policy of insurance, the full amount of the premiums payable by the insured in the accounting period in which the policy commences. /5/6 9: AM

40 ANNUAL RETURN: FORM - ADDITIONAL INFORMATION 5 NA /5/6 9: AM

41 ANNUAL RETURN: FORM - FUND PROFIT AND LOSS ACCOUNT 5 General: Singapore Insurance Fund Annex Row No. Gross premiums A 5,99,7 Less: Outward reinsurance premiums B,9,78 Investment revenue C 9,5 Less: Investment expenses 6,87 Other income D 5 5, Total Income ( to 5) 6,66,65 Gross claims settled E 7 5,6,99 Less: Reinsurance recoveries 8 6,77, Management expenses F 9 9,5,6 Distribution expenses G 6,77,86 Increase (decrease) in net policy liabilities H (5,,7) Provision for doubtful debts/ bad debts written off on receivables,77 Taxation expenses 96, Other expenses I 5,78 Total Outgo (7 to ) 5 9,6,9 Net Income (6-5) J 6,9,78 /5/6 9: AM

42 ANNUAL RETURN: FORM - FUND PROFIT AND LOSS ACCOUNT 5 General: Offshore Insurance Fund Annex Row No. Gross premiums A Less: Outward reinsurance premiums B Investment revenue C Less: Investment expenses Other income D 5 Total Income ( to 5) 6 Gross claims settled E 7 Less: Reinsurance recoveries 8 Management expenses F 9 Distribution expenses G Increase (decrease) in net policy liabilities H Provision for doubtful debts/ bad debts written off on receivables Taxation expenses Other expenses I Total Outgo (7 to ) 5 Net Income (6-5) J 6 /5/6 9: AM

43 ANNUAL RETURN: ANNEX B - OUTWARD REINSURANCE PREMIUMS 5 General: Singapore Insurance Fund Licensed insurer / foreign insurer under the foreign insurer scheme Authorised reinsurer / related corporation / head office / branch of head office of the licensed insurer Unlicensed reinsurer Total ( to ) = Row of Form Row No. 6,757,76,8,,656,,9,78 /5/6 9:: AM

44 ANNUAL RETURN: ANNEX B - OUTWARD REINSURANCE PREMIUMS 5 General: Offshore Insurance Fund Licensed insurer / foreign insurer under the foreign insurer scheme Authorised reinsurer / related corporation / head office / branch of head office of the licensed insurer Unlicensed reinsurer Total ( to ) = Row of Form Row No. /5/6 9:: AM

45 ANNUAL RETURN: ANNEX C - INVESTMENT REVENUE 5 General: Singapore Insurance Fund Row No. Interest / Dividend / Rental Income Realised Gains (Losses) From Last Reported Value / Write-backs (Write-offs) Unrealised Changes From Last Reported Value Equity securities,97-57,5-5,56 Debt securities,98,986-5,78-95,67,,5 Land and Buildings Loans Cash and deposits 5 7,86 7,86 Other invested assets 6 Total ( to 6) = Row of Form 7 9,5 /5/6 9::5 AM

46 ANNUAL RETURN: ANNEX C - INVESTMENT REVENUE 5 General: Offshore Insurance Fund Row No. Interest / Dividend / Rental Income Realised Gains (Losses) From Last Reported Value / Write-backs (Write-offs) Unrealised Changes From Last Reported Value Equity securities Debt securities Land and Buildings Loans Cash and deposits 5 Other invested assets 6 Total ( to 6) = Row of Form 7 /5/6 9::5 AM

47 ANNUAL RETURN: ANNEX D - BREAKDOWN OF OTHER INCOME 5 General: Singapore Insurance Fund Row No. Exchange gain (net),55 Collateral deposit,889 Sundry income,68 Total = Row 5 of Form 6 5, /5/6 9::5 AM

48 ANNUAL RETURN: ANNEX D - BREAKDOWN OF OTHER INCOME 5 General: Offshore Insurance Fund Row No. Total = Row 5 of Form 6 /5/6 9::5 AM

49 ANNUAL RETURN: ANNEX F - MANAGEMENT EXPENSES 5 General: Singapore Insurance Fund Staff salaries & expenses Office rent Head office / parent company expenses Directors' fees Audit fees Managing agent's fees Repairs and maintenance Public utilities Printing, stationery and periodicals Postage, telephone and telex charges Computer charges Hire of office equipment Licence and association fees Advertising and subscriptions Entertainment Travelling expenses Row No ,56, 7,67, 8,7 7,,79 76,78,,89 9,6 9,,6 96,67 Bank charges,776 Donations, Car expenses,76 Insurance expenses 7,75 Professional fee 5 96,86 Rental (Warehouse) 6 6,6 Miscellaneous 7,5 Total = Row 9 of Form 7 9,5,6 /5/6 9::7 AM

50 ANNUAL RETURN: ANNEX F - MANAGEMENT EXPENSES 5 General: Offshore Insurance Fund Row No. Staff salaries & expenses Office rent Head office / parent company expenses Directors' fees Audit fees Managing agent's fees Repairs and maintenance Public utilities Printing, stationery and periodicals Postage, telephone and telex charges Computer charges Hire of office equipment Licence and association fees Advertising and subscriptions Entertainment Travelling expenses Total = Row 9 of Form 7 /5/6 9::7 AM

51 ANNUAL RETURN: ANNEX I - BREAKDOWN OF OTHER EXPENSES 5 General: Singapore Insurance Fund Row No. Depreciation of fixed assets 5,78 Total = Row of Form 6 5,78 /5/6 9:: AM

52 ANNUAL RETURN: FORM - ADDITIONAL INFORMATION 5 NA /5/6 9: AM

53 ANNUAL RETURN: FORM 6 - STATEMENT OF PREMIUMS, CLAIMS AND UNDERWRITING RESULTS IN RESPECT OF GENERAL BUSINESS General: Singapore Insurance Fund 5 Row No. Marine and Aviation - Cargo Marine and Aviation - Hull and Liability Fire Motor Work Injury Compensation Personal Accident Health Misc - Public Liability Misc - Bonds Misc - Engineering / CAR / EAR Misc - Professional Indemnity Misc - Credit / Political Risk Misc - Others Misc - Sub-Total Total A. PREMIUMS Gross premiums Direct business,7,857,5,77,5,99 8,7,5 8,99,95 5,,5,695,5,88,797,97,769,7 877,85 5,6, 9,8,7 Reinsurance business accepted - In Singapore 6,67,86,59,97 9,6 6, 8,6 9,99 8,75 6,7 96,9,9, From other ASEAN countries 99,7,76,975 From other countries,8,6,8,6 Total ( to ) 5 6,67,9,57,6,7 9,6 6, 8, 9,99 8,57 6,7 98,,6,998 Reinsurance business ceded - In Singapore 6,8,97,69,866,6,85,87,8,58 9,68 7,95 5,8,96,,,987 95,688,98,65 6,7,8 To other ASEAN countries 7 8,7 7,89,55 5,598 5,988 9, 6,66 766,7 7,78 76,99,,98,7,879 To other countries 8 5,6,8,68 8,6 86, 8,87,58 7,98 9,857 5,695 9,6,,,66,999 Total (6 to 8) 9,67,8,787,78,9,86,5,965,5,8 55,66 7,,8,67,787,,8 6,7,88,9,78 Net premiums written ( + 5-9) 65,87,77 65,99,56,85 6,7, 6,96 597,79 79,5 6,99,7,65,7 89,76 9,87,958,95, Premium liabilities at beginning of period,769 8,997,78 7,86,95,65,76 58, 8,9 6,97,78,557 95,,69 6,,8 8,5,88 Premium liabilities at end of period 7, 7,,57 5,757,666,55,86 55,5 7,75 9,,8, 765,5 9,8 5,79,56 5,77, Premiums earned during the period ( + - ) 6,57 5,6 595,8 6,5,77 6,,7 9, ,7 79,755 7,6,9,5,58 99,6 9,8,,,97 B. CLAIMS Gross claims settled Direct business 9,,99,67 6,9 6,85,8 8,6,855 5,89 595,78 5,8,76,9 75,8 69,7,8,6,,98 Reinsurance business accepted - In Singapore 5,6,9 88, ,589 66,889 97,5 5,98 95,99,97, From other ASEAN countries 6 5,9 5 5,66,966 9,6 From other countries 7,9,9 Total (5 to 7) 8,6 5,69,58 88, ,589 66,889 98, 9, 99,885,99, Recoveries from reinsurance business ceded - In Singapore 9 6,9,98,86 8,85 6,8,855,8,96 5,76,7 5,55 977,6 5,89 6,7,785,7 5,675,5 To other ASEAN countries 6, 78,5 55,65 6,55 67,89 59,58,88,5 6,78 5,97 8,56 To other countries, 6,7,9 9, 7,6 5, 5,7 59,5,79,5 6,79 7,577 Total (9 to ) 8,65,95,76 6,85 6,78,6,86,5 6,5 97,689 5,55,67,59 66,,5,89, 6,77, Net claims settled ( ) 8,998 87,69,7,99,59,75 86,6 97,689 79,,9,9,795,6,568,69 8,89,65 Claims liabilities at end of period,9 5,5 5,85 6,65,97 9,867,66,6 6,797,98,8 585,,78,76 8,,75,,8,99 Claims liabilities at beginning of period 5 55,779,7 6,7 9,85,69,8,959,57 6,95 986,658,8,976, 69,9,,99,77,5 Net claims incurred ( + - 5) 6 7,,6 6,8 8,,6,,8 96,55 7,5 59,78,7,5,6 8,68,877,877 5,77,65 C. MANAGEMENT EXPENSES Management Expenses 7 89,75 65,56 9,7,99,9,69,,566 85, 87,,97,57 59,888 57,5,79,8 9,5,6 D. DISTRIBUTION EXPENSES Commissions 8 8,87 8, 96,6,5,69 95,87 55,75,5 9,697,67,67 559,995 65,89,56,8,98, Reinsurance commissions 9 7,67 6,577 57,5 77,9 86,8 8,577 57,785,958,65, ,9 57,85,,7 5,,889 Net commissions incurred (8-9) 7,57 (7,67) (77,7),86, 67,5 (9,) 5,78 7,79,6,759 (95,) 8,,,8 5,8,5 Other distribution expenses,75,8 8,858,8,58 8,7 6,58 7,5 7,69,9, 99,67,9, E. UNDERWRITING RESULTS Underwriting gain / (loss) ( ) 7,9 (9,579) 5,,6, (8,85) (8,96) 9,6 (6,6) 57,7 767,6 6,986,,6,,9 F. NET INVESTMENT INCOME,8 6,57 7,55 9,7,5,,995,7 5,5 9,56,89,89 696,67 G. OPERATING RESULT ( + ),7 (8,) 8,598,75,8 (96,98) (5,77) 8, (8,5) 77,75 86,7 7,879,65,989,78,656 /5/6 9: AM

54 ANNUAL RETURN: FORM 6 - STATEMENT OF PREMIUMS, CLAIMS AND UNDERWRITING RESULTS IN RESPECT OF GENERAL BUSINESS General: Offshore Insurance Fund 5 Row No. Marine and Aviation - Cargo Marine and Aviation - Hull and Liability Property Casualty and Others Total A. PREMIUMS Gross premiums Direct business Reinsurance business accepted - In Singapore From other ASEAN countries From other countries Total ( to ) 5 Reinsurance business ceded - In Singapore 6 To other ASEAN countries 7 To other countries 8 Total (6 to 8) 9 Net premiums written ( + 5-9) Premium liabilities at beginning of period Premium liabilities at end of period Premiums earned during the period ( + - ) B. CLAIMS Gross claims settled Direct business Reinsurance business accepted - In Singapore 5 From other ASEAN countries 6 From other countries 7 Total (5 to 7) 8 Recoveries from reinsurance business ceded - In Singapore 9 To other ASEAN countries To other countries Total (9 to ) Net claims settled ( ) Claims liabilities at end of period Claims liabilities at beginning of period 5 Net claims incurred ( + - 5) 6 C. MANAGEMENT EXPENSES Management Expenses 7 D. DISTRIBUTION EXPENSES Commissions 8 Reinsurance commissions 9 Net commissions incurred (8-9) Other distribution expenses E. UNDERWRITING RESULTS Underwriting gain / (loss) ( ) F. NET INVESTMENT INCOME G. OPERATING RESULT ( + ) /5/6 9: AM

55 ANNUAL RETURN: NOTES TO FORM 6 5 General: Singapore Insurance Fund Note - Items in this Form may be allocated according to a reasonable basis used by the licensed insurer which is acceptable to its external auditor. The bases used shall be stated as a Note to this Form. Management expenses and net investment income are allocated based on gross premium written. Note - Particulars on reinsurances of special risks other than reinsurances of liabilities under a marine and aviation policy. NA /5/6 9: AM

56 ANNUAL RETURN: NOTES TO FORM 6 5 General: Offshore Insurance Fund Note - Items in this Form may be allocated according to a reasonable basis used by the licensed insurer which is acceptable to its external auditor. The bases used shall be stated as a Note to this Form. NA Note - Particulars on reinsurances of special risks other than reinsurances of liabilities under a marine and aviation policy. NA /5/6 9: AM

57 ANNUAL RETURN: FORM 6 - ADDITIONAL INFORMATION 5 The amount of gross premiums written that relates to offshore policies was S$,9,75. /5/6 9: AM

58 ANNUAL RETURN: FORM 7 - STATEMENT IN RESPECT OF ACCIDENT AND HEALTH BENEFITS 5 Form 7 (b) - Accident and Health Insurance (Short-term) Row No. Medical Expense Individual Medical Expense Group Critical Illness Individual Critical Illness Group Disability Individual Disability Group Personal Accident Individual Personal Accident Group Hospital Cash Individual Hospital Cash Group Total Individual Total Group A. PREMIUMS Gross premiums 9,5,55,8 7,68,8,6, Reinsurance ceded 8 55,5 9, 5,67 9,85 57,7 Net premiums written ( - ) 8 596,97,95 9,99 5, 688,96 Premium liabilities at beginning of period 9 8, 6,559 5,75 6,65 99,75 Premium liabilities at end of period 5 7 7,78 6,66 8,89 6,68 96,6 Premium earned during the period ( + - 5) ,6,88 9,89 5, 69, B. CLAIMS Gross claims settled 7 595,78,85 5,66,85,7,98 Reinsurance recoveries 8 97,689 5,, 5, 68,99 Net claims settled (7-8) 9 97,689 5, 8, 5, 78,99 Claim liabilities at end of period 6,797,9,69,9 9,866 Claim liabilities at beginning of period 6,95 5,75 5 9,698 Net claims incurred (9 + - ) 7,5,9 8,68,9 9,6 C. MANAGEMENT EXPENSES Management expenses 85,7 6, 6,556 6,,86 D. DISTRIBUTION EXPENSES Commissions 9,5 8,9 7,6 8,68 58,7 Reinsurance commissions ,757,99 7,58,, Net commissions incurred ( - 5) 6 5,77 -,85-5,8 -,85 8,99 Other distribution expenses 7 7 6,57,5 7,58,,8 E. UNDERWRITING RESULTS ( ) 8 9, -,66-5,95 -, -,9 F. NET INVESTMENT INCOME 9,99 5, ,75 G. OPERATING RESULTS (8 + 9) 5 8,96 -, -,75 -,887 5,6 H. OTHERS Number of policies in force,978 8,8 7,86 Number of lives covered under policies in force 5,96 8,67 6,768 Number of claims registered /5/6 9: AM

59 ANNUAL RETURN: NOTES TO FORM 7(b) 5 Note - Items in this Form may be allocated according to a reasonable basis used by the licensed insurer. The bases used shall be stated as a Note to this Form. a) Management expenses and net investment income are allocated based on gross premiums written. /5/6 9: AM

60 ANNUAL RETURN: FORM 7(b) - ADDITIONAL INFORMATION 5 NA /5/6 9: AM

61 ANNUAL RETURN: FORM 8 - BALANCE SHEET IN RESPECT OF GLOBAL BUSINESS OPERATIONS 5 Row No. Business in Singapore - Life Business Business in Singapore - General Business Overseas (Branch) Operations - Life Business Overseas (Branch) Operations - General Business Shareholders Fund Total ASSETS Equity securities Debt securities Land and buildings,96,6 69,8, 5,9,9,96,6 7,88,77 Loans Cash and deposits Other invested assets 5 6,7,67,7,7,,78 Investment income due or accrued 7 6,67, 8,76 Outstanding premiums and agents' balances 8 7,88,58 7,88,58 Deposits withheld by cedants Reinsurance recoverables (on paid claims) Income tax recoverables 9 595,69,5 595,69,5 Fixed assets,87,675,87,675 Inter-fund balances and intra-group balances (due from),765,765 Other assets Total Assets ( to ) LIABILITIES Policy liabilities Other liabilities ,8 97,7,97 6,85,7 7,5,5 59,8,9, 6,85,7 Outstanding claims Annuities due and unpaid 7 8 Reinsurance deposits s owing to insurers Bank loans and overdrafts 9 897,6,99,7 897,6,99,7 Inter-fund balances and intra-group balances (due to) Others Total Liabilities (6 to ) 7,57 5,9,58 56,65,86 5,7 5,7 7,57 5,955,6 56,78,9 NET ASSETS (5 - ) 5,77,56 7,76,8 8,9, SHAREHOLDERS' EQUITY & SURPLUS Paid-up capital 6 5,5,5 5,5,5 Reserves: Unappropriated profits (losses) 7-8,8,995-8,8,995 Other reserves Surplus 8 9,77,56 99,8 99,8,77,56 Total (6 to 9),77,56 7,76,8 8,9, /5/6 9: AM

62 ANNUAL RETURN: ANNEX 8A - STATEMENT OF CHANGES IN EQUITY OF SHAREHOLDERS FUND 5 Row No. Paid-up Capital Other Reserves Unappropriated Profits (Losses) (Please Specify) Total Balance at beginning of period 5,5,5 99,8-6,6,77 9,6, Changes in accounting policy Increase (decrease) in reserves Net profit for the period -95,55-95,55 Dividends paid for the period 5-8,, -8,, Issue of share capital 6 Transfer (to) from insurance funds maintained in Singapore 7 6,,7 6,,7 Transfer (to) from overseas (branch) operations 8 Balance at End of Period 9 5,5,5 99,8-8,8,995 7,76,8 /5/6 9: AM

63 ANNUAL RETURN: ANNEX 8B - INTRA-GROUP BALANCES IN RESPECT OF OVERSEAS OPERATIONS (GENERAL BUSINESS) 5 Due From Balances due from head office / shareholders fund Balances due from related corporations Balances due from insurance funds established and maintained under the Act Total Balances Due From Due To Balances due to head office / shareholders fund Balances due to related corporations Balances due to insurance funds established and maintained under the Act Total Balances Due To Total Net Balances ( - 8) Row No /5/6 9: AM

64 ANNUAL RETURN: NOTES TO FORM 8 5 Note Breakdown of "Other Reserves" Row No. Capital reserves 99,8 /5/6 9: AM

65 ANNUAL RETURN: FORM 8 - ADDITIONAL INFORMATION 5 NA /5/6 9: AM

66 ANNUAL RETURN: FORM 9 - PROFIT AND LOSS ACCOUNT IN RESPECT OF GLOBAL BUSINESS OPERATIONS 5 Row No. Business in Singapore - Life Business Business in Singapore - General Business Overseas (Branch) Operations - Life Business Overseas (Branch) Operations - General Business Shareholders Fund Total Gross premiums 5,99,7 5,99,7 Less: Outward reinsurance premiums,9,78,9,78 Investment revenue 9,5-6,75 876,7 Less: Investment expenses 6, ,67 Other income 5 5,,87 6,88 Total Income ( to 5) 6,66,65-5,76,58,96 Gross claims settled 7 5,6,99 5,6,99 Less: Reinsurance recoveries 8 6,77, 6,77, Management expenses 9 9,5,6 9,5,6 Distribution expenses 6,77,86 6,77,86 Increase (decrease) in net policy liabilities -5,,7-5,,7 Provision for doubtful debts / bad debts written off on receivables,77,77 Taxation expenses 96, -8, 88, Other expenses 5,78 57,89 7,987 Total Outgo (7 to ) 5 9,6,9 9,89 9,56,7 NET INCOME (6-5) 6,9,78-95,55,, /5/6 9: AM

67 ANNUAL RETURN: FORM 9 - ADDITIONAL INFORMATION 5 Taxation expense under Shareholders' Fund was negative due to tax write back for loss position. /5/6 9: AM

68 ANNUAL RETURN: FORM - ACTUARY'S CERTIFICATE ON POLICY LIABILITIES IN RESPECT OF GENERAL BUSINESS ACTUARIAL INVESTIGATION OF POLICY LIABILITIES 5 I have conducted an investigation into the valuation of policy liabilities relating to general business as required under section 7 of the Insurance Act and confirm that the valuation is in accordance with all applicable requirements stipulated under the Act and directions issued under the Act, subject to the qualifications stated below*. I certify these amounts, net of reinsurance, as follows: Premium Liabilities Claim Liabilities Policy Liabilities Singapore Insurance Fund 5,77,,8,99 6,85,7 Offshore Insurance Fund *Qualifications (if none, state "none"): None /5/6 9::8 AM

69 ANNUAL RETURN: FORM - ADDITIONAL INFORMATION 5 NA /5/6 9: AM

70 ANNUAL RETURN: FORM - STATEMENT IN RELATION TO FUND SOLVENCY REQUIREMENT OF INSURANCE FUND General: Singapore Insurance Fund 5 (i) Financial Resources of Insurance Fund Balance in the surplus account (of participating fund) Add: Allowance for provision for non-guaranteed benefits (of participating fund): (lower of or ) Policy liabilities - minimum condition liability 5% of aggregate of provisions for non-guaranteed benefits and PAD Surplus of insurance fund (of any other insurance fund) Less: Reinsurance adjustment Financial resource adjustment: (8 to ) (a) loans to, guarantees granted for, and other unsecured amounts owed to the licensed insurer (b) charged assets (c) deferred tax assets (d) intangible assets (e) other financial resource adjustments Financial Resources of Insurance Fund ( ) (ii) Total Risk Requirement of Insurance Fund A. Component Requirement - Insurance Risks Life Insurance Risk Requirement (for participating fund): (5 + 8) (a) Policy Liability Risk Requirement: (zero or 6-7, whichever is higher) Modified minimum condition liability Minimum condition liability (b) Surrender Value Condition Risk Requirement: (zero or 9 -, whichever is higher) Aggregate of surrender values of policies of the insurance fund Higher of or : Sum of total risk requirement and minimum condition liability of the insurance fund Policy liabilities of the insurance fund Life Insurance Risk Requirement (other than participating fund) ( + 7) (a) Policy Liability Risk Requirement: (zero or 5-6, whichever is higher) Modified policy liabilities Policy Liabilities (b) Surrender Value Condition Risk Requirement: (zero or 8-9, whichever is higher) Aggregate of surrender values of policies of the insurance fund Sum of total risk requirement and policy liabilities of the insurance fund General Insurance Risk Requirement (for general business): ( to ) (a) Premium liability risk requirement (b) Claim liability risk requirement Total C Requirement ( + + ) B. Component Requirement - Investment Risks and Risks arising from Interest Rate Sensitivity and Foreign Currency Mismatch between Asset and Liabilities Equity Investment Risk Requirement (5 to 6) (a) Specific Risk Requirement Row No , 6,87 77,567 7,8,9,9,77,56 9,7 879,97 8,96,9 8,57,96 8,57,96 6,98 /5/6 9:: AM

71 (b) General Risk Requirement Debt Investment and Duration Mismatch Risk Requirement: (8 or, whichever is higher) (a) Sum of: (9 + ) Debt investment risk requirement in an increasing interest rate environment ( to ) Debt specific risk requirement Debt general risk requirement Liability adjustment requirement in an increasing interest rate environment (b) Sum of: ( + 7) Debt investment risk requirement in a decreasing interest rate environment (5 to 6) Debt specific risk requirement Negative of debt general risk requirement Liability adjustment requirement in a decreasing interest rate environment Loan Investment Risk Requirement Property Risk Requirement Foreign Currency Mismatch Risk Requirement (for Singapore Insurance Fund) Derivative Counterparty Risk Requirement Miscellaneous Risk Requirement Total C Requirement ( ) C. Component Requirement - Concentration Risks Counterparty Exposure Equity Securities Exposure Unsecured Loans Exposure Property Exposure Foreign Currency Risk Exposure Exposure to assets in miscellaneous risk requirements Exposure to non-liquid assets with Singapore Insurance Fund (for general business) Total C Requirement (5 to 6) Total Risk Requirement of Insurance Fund ( ) ,9,995,,995,,55,576,,756,8,8,55,576 -,,756,995,,7,75,79,66,8,98 /5/6 9:: AM

72 ANNUAL RETURN: FORM - STATEMENT IN RELATION TO FUND SOLVENCY REQUIREMENT OF INSURANCE FUND General: Offshore Insurance Fund 5 (i) Financial Resources of Insurance Fund Balance in the surplus account (of participating fund) Add: Allowance for provision for non-guaranteed benefits (of participating fund): (lower of or ) Policy liabilities - minimum condition liability 5% of aggregate of provisions for non-guaranteed benefits and PAD Surplus of insurance fund (of any other insurance fund) Less: Reinsurance adjustment Financial resource adjustment: (8 to ) (a) loans to, guarantees granted for, and other unsecured amounts owed to the licensed insurer (b) charged assets (c) deferred tax assets (d) intangible assets (e) other financial resource adjustments Financial Resources of Insurance Fund ( ) (ii) Total Risk Requirement of Insurance Fund A. Component Requirement - Insurance Risks Life Insurance Risk Requirement (for participating fund): (5 + 8) (a) Policy Liability Risk Requirement: (zero or 6-7, whichever is higher) Modified minimum condition liability Minimum condition liability (b) Surrender Value Condition Risk Requirement: (zero or 9 -, whichever is higher) Aggregate of surrender values of policies of the insurance fund Higher of or : Sum of total risk requirement and minimum condition liability of the insurance fund Policy liabilities of the insurance fund Life Insurance Risk Requirement (other than participating fund) ( + 7) (a) Policy Liability Risk Requirement: (zero or 5-6, whichever is higher) Modified policy liabilities Policy Liabilities (b) Surrender Value Condition Risk Requirement: (zero or 8-9, whichever is higher) Aggregate of surrender values of policies of the insurance fund Sum of total risk requirement and policy liabilities of the insurance fund General Insurance Risk Requirement (for general business): ( to ) (a) Premium liability risk requirement (b) Claim liability risk requirement Total C Requirement ( + + ) B. Component Requirement - Investment Risks and Risks arising from Interest Rate Sensitivity and Foreign Currency Mismatch between Asset and Liabilities Equity Investment Risk Requirement (5 to 6) (a) Specific Risk Requirement (b) General Risk Requirement Debt Investment and Duration Mismatch Risk Requirement: Row No /5/6 9:: AM

73 (8 or, whichever is higher) (a) Sum of: (9 + ) Debt investment risk requirement in an increasing interest rate environment ( to ) Debt specific risk requirement Debt general risk requirement Liability adjustment requirement in an increasing interest rate environment (b) Sum of: ( + 7) Debt investment risk requirement in a decreasing interest rate environment (5 to 6) Debt specific risk requirement Negative of debt general risk requirement Liability adjustment requirement in a decreasing interest rate environment Loan Investment Risk Requirement Property Risk Requirement Foreign Currency Mismatch Risk Requirement (for Singapore Insurance Fund) Derivative Counterparty Risk Requirement Miscellaneous Risk Requirement Total C Requirement ( ) C. Component Requirement - Concentration Risks Counterparty Exposure Equity Securities Exposure Unsecured Loans Exposure Property Exposure Foreign Currency Risk Exposure Exposure to assets in miscellaneous risk requirements Exposure to non-liquid assets with Singapore Insurance Fund (for general business) Total C Requirement (5 to 6) Total Risk Requirement of Insurance Fund ( ) /5/6 9:: AM

74 ANNUAL RETURN: FORM - ADDITIONAL INFORMATION 5 NA /5/6 9:: AM

75 ANNUAL RETURN: FORM - STATEMENT IN RELATION TO TOTAL RISK REQUIREMENT OF ASSETS AND LIABILITIES OF LICENSED INSURER THAT DO NOT BELONG TO ANY INSURANCE FUND ESTABLISHED AND MAINTAINED UNDER THE ACT 5 Row No. (i) Total Risk Requirement A. Component Requirement - Insurance Risks Life Insurance Risk Requirement: (for participating business only) ( + 5) (a) Policy Liability Risk Requirement: (zero or -, whichever is higher) Modified minimum condition liability Minimum condition liability (b) Surrender Value Condition Risk Requirement: (zero or 6-7, whichever is higher) Aggregate of surrender values of policies Higher of 8 or 9: Sum of total risk requirement and minimum condition liability Policy liabilities Life Insurance Risk Requirement: (other than participating business) ( + ) (a) Policy Liability Risk Requirement: (zero or -, whichever is higher) Modified policy liabilities Policy liabilities (b) Surrender Value Condition Risk Requirement: (zero or 5-6, whichever is higher) Aggregate of surrender values of policies Sum of total risk requirement and policy liabilities 5 6 General Insurance Risk Requirement (for general business) (8 to 9) (a) Premium liability risk requirement (b) Claim liability risk requirement Total C Requirement ( + + 7) B. Component Requirement - Investment Risks and Risks arising from Interest Rate Sensitivity and Foreign Currency Mismatch between Asset and Liabilities Equity Investment Risk Requirement: ( to ) (a) Specific Risk Requirement (b) General Risk Requirement Debt Investment and Duration Mismatch Risk Requirement: (5 or, whichever is higher) (a) Sum of: (6 + 9) Debt investment risk requirement in an increasing interest rate environment (7 to 8) Debt specific risk requirement Debt general risk requirement Liability adjustment requirement in an increasing interest rate environment (b) Sum of: ( + ) Debt investment risk requirement in a decreasing interest rate environment ( to ) Debt specific risk requirement ,7 66,7 5,7,9-95,5-95,5 5,7 66,7 /5/6 9::6 AM

76 Negative of debt general risk requirement Liability adjustment requirement in a decreasing interest rate environment -,9 Loan Investment Risk Requirement Property Risk Requirement Derivative Counterparty Risk Requirement Miscellaneous Risk Requirement ,58 Total C Requirement ( ) 9 7,85 Total Risk Requirement of Assets and Liabilities of Licensed Insurer that do not belong to any insurance fund established and maintained under the Act ( + 9) 7,85 /5/6 9::6 AM

77 ANNUAL RETURN: FORM - ADDITIONAL INFORMATION 5 NA /5/6 9::6 AM

78 ANNUAL RETURN FORM - STATEMENT IN RELATION TO CAPITAL ADEQUACY REQUIREMENT OF LICENSED INSURER 5 (i) Financial Resources of Licensed Insurer A. Tier Resource Aggregate of surpluses of all insurance funds other than a participating fund Balances in the surplus account of each participating fund Paid-up ordinary share capital Unappropriated profits (losses) Surpluses of Overseas Branch Operations Irredeemable and non-cumulative preference shares Any other capital instrument approved by the Authority as a Tier resource Less: Reinsurance adjustment Financial resource adjustment: ( to ) (a) loans to, guarantees granted for and other unsecured amounts owed to the licensed insurer (b) charged assets (c) deferred tax assets (d) intangible assets (e) other financial resource adjustments Total Tier Resource ( to 7 less 8 to 9) B. Tier Resource Irredeemable and non-cumulative preference shares not recognised as Tier resource Irredeemable and non-cumulative preference shares Other Tier resource Total Tier Resource (6 to 8) C. Aggregate of allowance for provisions for non-guaranteed benefits of participating funds Financial Resources of Licensed Insurer (higher of $5m or ) (ii) Total Risk Requirement of Licensed Insurer (a) Total risk requirements of insurance funds established or maintained under the Act (b) Total risk requirements of assets and liabilities that do not belong to any insurance fund established and maintained under the Act Total Risk Requirement of Licensed Insurer ( to ) CAPITAL ADEQUACY RATIO (/) Row No , 6,87,8,98 7,85,77,56 5,5,5-8,8,995 9,7 879,97 5,8, 5,8,,9,8 7. % /5/6 9:: AM

79 ANNUAL RETURN: FORM - ADDITIONAL INFORMATION 5 NA /5/6 9:: AM

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