Direct Line Insurance Group PLC (DLG) 2016年年度报告「LSE」.pdf

1、Annual Report&Accounts 2016Building our brandsDirect Line Insurance Group plc Annual Report&Accounts 2016Strategic report2 Group highlights4 Group at a glance6 Market overview8 Business model10 Chairmans statement12 Chief Executive Officers review14 Our strategy24 Our key performance indicators26 Ri

2、sk management30 Corporate social responsibility34 Operating review38 Finance reviewGovernance48 Chairmans introduction50 Board of Directors52 Executive Committee53 Corporate governance report64 Committee reports82 Directors remuneration report110 Directors reportFinancial statements114 Contents115 I

3、ndependent Auditors report122 Consolidated financial statements127 Notes to the consolidated financial statements179 Parent Company financial statements182 Notes to the Parent Company financial statementsOther information187 Additional information189 Glossary and appendices195 Forward-looking statem

4、ents disclaimer196 Contact informationContentsFor all the latest news and announcements visit Our mission:To make insurance much easier and better value for our customersOur strategy supports our aspiration to be the leading personal and small business general insurer in the UK.Our customers are at

5、the centre of everything we do,as we remain focused on protecting an ever-changing Britain.Building our brandsBuilding a culture of great serviceFind out more on page 18Building our technology and data capabilitiesFind out more on page 20Building our brands by offering moreFind out more on page 1Gro

6、up highlightsProviding stability for our customers and shareholdersTargetAt least 15%16y15y14y14.2%Return on tangible equity2(%)18.516.814.2Total costs2 Ongoing operations(m)3,222.1 16y15y14y927.7884.7923.7923.7mDividend per share3(pence)24.6p16y15y14y14.027.58.813.813.210.014.697.7%Combined operati