Hiscox, Ltd. (HSX) 2007年年度报告「LSE」.pdf

1、2007HiscoxLtdReportandAccountsHiscox Ltd Report and Accounts 2007Contents1Contents2Corporatehighlights4Chairmansstatement8ChiefExecutivesreport16Businessoverview17Businessstructure18Ataglance20Hiscoxlocations21Hiscoxproducts22ClaimsatHiscox26TheHiscoxbrand30ThepeopleatHiscox34Insurancecarriers38Mana

2、gingtheGroupsassets39Groupfinancialperformance42Cashflowandliquidity44Riskmanagement48Corporateresponsibility50BoardofDirectors52Corporategovernance54Directorsremunerationreport60Directorsreport61Reportoftheindependentregisteredpublicaccountingfirm62Consolidatedincomestatement63Consolidatedbalancesh

3、eet64Consolidatedstatementofchangesinequity65Consolidatedcashflowstatement66Notestothefinancialstatements106Fiveyearsummary107Glossary108Credits“Ourambitionremainstobeahighlyrespectedinternationalspecialistinsuranceandreinsurancecompany,builton abalancebetweenvolatileinternationalcatastrophebusiness

4、andmoresteadylocalandregionalbusiness.”RobertHiscoxChairman2Corporate highlightsHiscox Ltd Report and Accounts 2007Hiscox Ltd Report and Accounts 2007Corporate highlights3FinancialRecordpre-taxprofitsup18%to237.2m(2006:201.1m)Grosspremiumswrittenup6.5%to1,198.9m(2006:1,126.2m)Groupcombinedratioimpro

5、vesto84.4%(2006:89.1%)Earningspershareonprofitaftertaxup16.1%to48.4p(2006:41.7p)Finaldividend8ppershare(2006:7p)making12pforthefullyear,anincreaseof20%(2006:10p)Returnonequity28.8%(2006:28.9%)ActivecapitalmanagementOperationalExcellentyearforHiscoxGlobalMarketsprofitsincreasedto155.6m(2006:90.7m)His

6、coxUKandHiscoxEuropegoodtoplinegrowthof13.7%to302.3m(2006:265.8m)withprofitsof21.8m(2006:33.1m)despitetheimpactofWindstormKyrillandtheUKfloodsHiscoxInternationalanothersuccessfulyearwithprofitsup33.2%to69.1m(2006:51.9m)HiscoxUSAacquiredAmericanLiveStock,amajormilestonetowardsbuildingastrongUSdomesti