ANNEX A: Key ratios and characteristics
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1 ANNEX A: Key ratios and characteristics A.1. Key ratios and characteristics for pension funds Provision for pension liabilities - own account (EUR) Required solvency (EUR) Proprietary investments, % equities Solvency ratio (%) Provision for pension liabilities - other (guarantee contract and/or for account of participants) Pension liability coverage ratio (actual funds excluding debts as a % of provision for pension liabilities) Maturity (provision for pension liabilities (own account) of early leavers and pensioners as a percentage of total provision for pension liabilities - own account) Total proprietary investments (EUR) - Real estate (%) - Equities (%) - Fixed income (%) - Other assets (private equity, commodities, hedge funds, participating interests - %) - Cash (%) Investments for account of participants Pension premium actually paid Premium ratio (%) Premium percentage (%) Premium basis for pensions Total number of individuals entitled to pension (participants + early leavers + pensioners) S1 (interest rate risk) S2 (equity risk) S3 (currency risk) S4 (commodities risk) S5 (credit risk) S6 (insurance technical risk) Enterprise pension fund, industry pension fund or pension fund for professions Recovery programme (or action plan for reserve deficit) In liquidation ANNEX A: Key ratios and characteristics Page 1 of 12
2 A.2. Key ratios and characteristics for banks Revenues Number of employees Solvency ratio (%) Liquidity ratio (week %) Liquidity ratio (month %) Interest income Fee income RWA (Risk Weighted Assets) Actual capital Return on equity (%) Country/region of parent company EU branch Non-EU branch Private bank ANNEX A: Key ratios and characteristics Page 2 of 12
3 A.3. Key ratios and characteristics for life insurers Gross premium income Result on (actuarial) assumptions Solvency ratio (%) Result of technical account Technical provisions - Technical provisions own account - Technical provisions policyholders account Total proprietary investments - Real estate (%) - Equities (%) - Fixed income (%) Outward reinsurance premiums (% of gross premium income) Embedded value of total portfolio Investments for account and risk of policyholders Return on equity (%) Traditional life Unit-linked Individual insurance contracts Group insurance contracts Mutual enterprise Country/region of parent company Financing programme Restructuring programme Recovery programme ANNEX A: Key ratios and characteristics Page 3 of 12
4 A.4. Key ratios and characteristics for non-life insurers Gross premium income Combined ratio (%) Solvency ratio (%) Result of technical account Technical provisions (total) - Technical provisions own account - Technical provisions reinsurance Outward reinsurance premiums (% of gross premium income) Total proprietary investments - Real estate (%) - Equities (%) - Fixed income (%) - Other assets (%) Return on equity (%) Health insurer Liability insurance risks Disability insurance risks Mutual enterprise Country/region of parent company Financing programme Restructuring programme Recovery programme ANNEX A: Key ratios and characteristics Page 4 of 12
5 A.5. Key ratios and characteristics for prepaid funeral insurers Gross premium income Result on (actuarial) assumptions Solvency ratio (%) Key ratios Result of technical account Technical provisions (total) - Technical provisions own account - Technical provisions reinsurance Outward reinsurance premiums (% of gross premium income) Total proprietary investments - Real estate (%) - Equities (%) - Fixed income (%) - Other assets (%) Return on equity (%) Country/region of parent company Financing programme Restructuring programme Recovery programme ANNEX A: Key ratios and characteristics Page 5 of 12
6 A.6. Key ratios and characteristics for collective investment schemes Number of funds Assets under management Management fee income Net equity requirement Net fixed cost requirement Less than five funds More than five funds UCIT Open-ended fund Closed-ended fund ANNEX A: Key ratios and characteristics Page 6 of 12
7 A.7. Key ratios and characteristics for securities institutions Revenues Assets under management Number of employees Critical net capital requirement Number of clients Net equity requirement Net capital allocation Net fixed cost requirement Capital required for market risk Broker (large) Broker (small) Retail asset manager Institutional asset manager Proprietary trading (large) Proprietary trading (small) Combined securities services ANNEX A: Key ratios and characteristics Page 7 of 12
8 A.8. Key ratios and characteristics for money transaction offices Revenues Number of business offices Number of employees Revenues from money exchange transactions below limit amount (%) Revenues from money exchange transactions above limit amount (%) Revenues from money transfer transactions below limit amount (%) Revenues from money transfer transactions above limit amount (%) Average value per money exchange transaction below limit amount Average value per money exchange transaction above limit amount Average value per money transfer transaction below limit amount Average value per money transfer transaction above limit amount Money exchange transactions Coupon clip transactions Money transfer transactions through regular own channel Money transfer transactions through own channel Shop-in-shop services Activities not related to Act on Money Transaction Offices ANNEX A: Key ratios and characteristics Page 8 of 12
9 A.9. Key ratios and characteristics for trust offices Trust revenues Number of target firms Number of subsidiaries under group licence Number of employees Type of licence - single licence - group licence Member of interest group - yes, DFA - yes, VIMS - no Domiciliation Trade in firms Combination of trust services Core service is trust Other non-trust services - tax advisory/declaration services - administration/annual accounts services - audit services - lawyer services - other services Contract with Confiad - yes, AO adviser - yes, auditor - no Already under supervision - yes, Act on the Supervision of the Credit System - yes, Act on the Supervision of Collective Investment Schemes/Act on the Supervision of Securities Trade - no ANNEX A: Key ratios and characteristics Page 9 of 12
10 A.10. Key ratios and characteristics for credit card companies Fee income Total value of transactions Number of cards issued (issuers only) Average value of transactions per card (issuers only) Number of affiliated companies (acquirers only) Acquirer Issuer Country/region of parent company ANNEX A: Key ratios and characteristics Page 10 of 12
11 A.11. Key ratios and characteristics for electronic money institutions Funds entrusted Result for current year Actual capital surplus/shortage Cash surplus/shortage Actual liquidity Total investments in acceptable/allowed assets Total investments in other assets Net open position in foreign currency Return on equity (%) Return on total assets (%) Cost/income ratio Card-based Account-based Activities largely outsourced Activities primarily in support of activities of parent company ANNEX A: Key ratios and characteristics Page 11 of 12
12 A.12. Key ratios and characteristics for financial conglomerates Revenues from banking activities Revenues from insurance activities Solvency ratio (%) Liquidity ratio (week - %) only for banking conglomerates Liquidity ratio (month - %) only for banking conglomerates Return on equity (%) Number of employees Banking conglomerate Insurance conglomerate Country/region of parent company Region of conglomerate business ANNEX A: Key ratios and characteristics Page 12 of 12
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