1. A Primer on Non-Life Insurance Ratios Craig Thorburn Cthorburn@worldbank.org

2. A Primer on Non-Life Insurance Ratios Other Ratios / Stress Testing

3. Other Stakeholders Return on Capital Other Measures

4. Stress Testing A relatively new practice but worth considering to enhance analysis. Two forms outlined in the paper –A sudden shock to the balance sheet –Projections Will only be very approximate as supervisor has limited information.

5. An example of a shock to the balance sheet As Asset Values Fall… Assets needed to meet policyholder obligations ‘Free Assets’ Assets needed to meet Solvency Margin Breach of Solvency Margin Assets less than Liabilities

6. An example of a projection based scenario

7. A Primer on Non-Life Insurance Ratios End