Hiscox, Ltd. (HSX) 2008年年度报告「LSE」.pdf

1、Hiscox Ltd4th FloorWessex House45 Reid StreetHamilton HM 12BermudaT+1 441278 8300F+1 441278 8301E Hiscox Ltd Report and Accounts 2008Hiscox LtdReport andAccounts2008Contents1Corporate highlights2Business structure3Chairmans statement5Chief Executives report12Insurance carriers16Group financial perfo

2、rmance22Risk management28Corporate responsibility30Board of Directors32Corporate governance35Directorsremuneration report43Directorsreport44Directorsresponsibilitiesstatement45Report of the independentregistered public accounting firm46Consolidated income statement46Consolidated statementof comprehe

3、nsive income47Consolidated balance sheet48Consolidated statementof changes in equity49Consolidated cash flow statement50Notes to the financial statements96Five year summaryHiscox_AR08_Cover_4pp_AW:Layout 1 16/3/09 19:07 Page 1To request a copy of the2008 Hiscox brochure Design:BrownsPrint:StIvesWest

4、erhamPressPhotography:Portraits John Ross,Peter Marlow(MagnumPhotos),Kit Nobleand Stephen RaynorFront and back cover Getty ImagesThis report is printed onrecycled paper containing100%post consumer wasteand manufactured at a millaccredited with ISO14001environmental managementstandard.The pulp usedin

5、 this product is bleachedusing a Totally Chlorine Freeprocess(TCF).FSC certified.100%Our ambition remainsto be a highly respectedinternational specialistinsurance and reinsurancecompany,built on abalance betweenvolatileinternationalcatastrophebusiness and more steadylocal and regional business.Rober

6、t HiscoxChairmanHiscox_AR08_Cover_4pp_AW:Layout 1 16/3/09 19:07 Page 21Corporate highlights Hiscox Ltd Report and Accounts 2008Corporate highlightsFinancial highlightsProfit before tax 105.2m(2007:237.2m)Profit before tax excluding certain foreign currency items*156.2m(2007:237.2m)Total dividend for