These issues largely impact insurers and reinsurers through increasing costs (both direct operating and claim costs, some through imported inflation) and declining asset prices on investment holdings. This impact has resulted in an increase in earnings volatility and reduction in capital (Figure 1).
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The failures of Silicon Valley Bank (SVB) and Signature Bank may represent a weakness in the US banking industry and have led to the heavily discounted rescue of Credit Suisse by UBS. Such shocks may further reduce available capital in the market, impacting the balance sheets of insurers that hold investments issued by global banks while reducing the ability to raise new funds.
Additionally, growing catastrophe losses (Figure 2) and lower investment returns have led to industry-wide reductions in capital, resulting in a hardening market and pricing concerns for reinsurers. As a result, most insurers have increased retentions, which will ultimately lead to greater retained earnings volatility.
Risk-Based Capital
Regulators in the Asia Pacific region are updating their standards to tighten and recalibrate available capital, leading to shifts in regulatory capital. Regulators in Japan, Korea, China, Malaysia and Hong Kong are among those introducing or updating risk-based capital standards in the region.
These changes are designed to make the capital regimes in these countries more responsive to risks. Such changes are meant to create a stable industry in the medium term, but in the short term, insurers may need to raise capital to meet the new standards.
Transition to IFRS 17
The transition to International Financial Reporting Standards 17 (IFRS 17) represents an evolution in financial reporting, but also has greater knock-on impacts, such as day-1 transition implications on available capital for risk-based capital and dividend issuance potential. Further, requirements for poorly performing businesses may result in greater earnings and capital volatility–insurers will have to recognize losses up-front for loss-making business groupings. IFRS 17 will be adopted in many jurisdictions in Asia-Pacific beginning in 2023, with others following from 2024 to 2026. Regulators in the region are also assessing the impacts of IFRS 17 to their risk-based capital standards, with some, such as Malaysia, already appearing to integrate IFRS 17 into future versions.
Long-tail Claims
Long-tail claims remain problematic for many insurers. As the cost of debt and equity increases, insurers must maintain sufficient asset and investment capital for expected settlements. Without alternative capital relief solutions, insurers in the current operating environment will be unable to use that capital to generate greater returns.
In many countries, long-tail portfolios have been underperforming across the entire industry. While the longer-term solution will be to increase pricing for these classes of business, the imminent introduction of IFRS 17 and new capital standards suggest that many insurers will experience short-term volatility and capital strain.
Solutions
To manage the increased likelihood of greater short- to medium-term earnings volatility and an increased necessity for capital, insurers have traditionally used 3 methods to address the need for future capital:
1. Raising Capital
This action solves capital needs but has limited impact on earnings volatility. Depending on the type of capital, for example, subordinated debt, this method reduces available earning for shareholders and thus limits ability to pay dividends. Further, raising capital is a long process, requiring the involvement of 3rd parties and roadshows. In particular, funds from equity are considered to be inefficient for taxation purposes. This method is a common practice in many Asian countries, but due to analyst focus on capital efficiency and dividend-paying ability, should only be used when solvency ratios are at or below target levels.
2. Improved Cash Flow Matching–Asset Liability Matching
While usually an effective strategy for life insurers, in times of market dislocation, as seen in the current investment market, hedging costs is now more expensive than ever. Hence, it is not a cost-effective strategy in the longer term. This method also does not solve the onerous contracts issue in IFRS 17.
3. Reinsurance
Traditionally seen primarily as a tool to manage volatility, reinsurance is key to any insurer’s capital management plan. By reducing the losses that need to be paid, it thus reduces the need for additional capital. Reinsurance recoveries are matched exactly to cash-flow needs–when losses need to be paid. Capital ratios are improved, typically without material impact on debt-to-equity ratios, thereby improving the ability to pay dividends. Reinsurance also has the added benefit of protecting insurers from capital dilution and debt covenants in comparison to Method 1. Specific coverage—whether prospective or retrospective—can be designed to meet the unique capital objectives of different insurance companies.
Case Study 1: Loss Portfolio Transfer–A Retrospective Solution
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)
Case Study 2: Variable Quota Share—A Prospective Solution
![](data:image/png;base64,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)
Conclusion
With the ongoing challenges to the macroeconomic and regulatory fronts, reinsurance is an effective form of capital. Reinsurance can improve and stabilize profits, therefore helping companies achieve their capital, financial and strategic goals.
As one of the world’s leading reinsurance brokers, Guy Carpenter has the experience and expertise to help clients understand their capital needs and execute transactions that meet firms’ objectives in a time-efficient and professional manner.
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Contacts
Matthew Rose
Head of Life & Capital, Asia Pacific
Matthew.Rose@guycarp.com
+61 288 648 513
Hussain Ahmad
Head of Structured Solutions, Asia Pacific
Hussain.Ahmad@guycarp.com
+852 2582 3548
Philip Doyle
IFRS 17 Lead, Strategic Advisory, Asia Pacific
Philip.Doyle@guycarp.com
+65 9199 7358
About Guy Carpenter
Guy Carpenter & Company, LLC is a leading global risk and reinsurance specialist with 3,500 professionals in over 60 offices around the world. Guy Carpenter delivers a powerful combination of broking expertise, trusted strategic advisory services and industry-leading analytics to help clients adapt to emerging opportunities and achieve profitable growth. Guy Carpenter is a business of Marsh McLennan (NYSE: MMC), the world’s leading professional services firm in the areas of risk, strategy and people. The Company’s more than 85,000 colleagues advise clients in 130 countries. With annual revenue of over $20 billion, Marsh McLennan helps clients navigate an increasingly dynamic and complex environment through four market-leading businesses including Marsh, Mercer and Oliver Wyman. For more information, visit www.guycarp.com and follow Guy Carpenter on LinkedIn and Twitter @GuyCarpenter.
Guy Carpenter & Company, LLC provides this report for general information only. The information contained herein is based on sources we believe reliable, but we do not guarantee its accuracy, and it should be understood to be general insurance/reinsurance information only. Guy Carpenter & Company, LLC makes no representations or warranties, express or implied. The information is not intended to be taken as advice with respect to any individual situation and cannot be relied upon as such. Statements concerning tax, accounting, legal or regulatory matters should be understood to be general observations based solely on our experience as reinsurance brokers and risk consultants, and may not be relied upon as tax, accounting, legal or regulatory advice, which we are not authorized to provide. All such matters should be reviewed with your own qualified advisors in these areas.
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