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  • sigma 5/2017:Gewerbeversicherung (PDF, 553kb)

    11 October 2017

    Die technologischen, wirtschaftlichen, demografischen, gesellschaftlichen und geopolitischen Makrotrends unserer Zeit führen zu grundlegenden Veränderungen im Unternehmensumfeld. Diese strukturellen Veränderungen schaffen neue Chancen,
    aber sie bergen auch neue Risiken. Gleichzeitig hat sich der Unternehmenssektor gewandelt und wird nun zunehmend nicht mehr von materiellen, sondern von im- materiellen Vermögenswerten dominiert. Diese Transformationen und die damit einhergehenden Gefährdungspotenziale spiegeln sich in Umfragen zur Risikowahrnehmung in Unternehmen wider. So sind Unterbrechungen der Geschäftstätigkeit laut weltweiten Umfragen
    von Risikoexperten heute das meistgefürchtete Risiko bei
    Unternehmen, und dieses Risiko steht immer häufiger in
    Verbindung mit Cyber- Sicherheit und Unterbrechungen
    der Lieferkette.

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  • sigma 4/2017: Versicherung (PDF, 607kb)

    09 September 2017

    Die Schwellenländer waren in den letzten zwei Jahrzehnten ein wichtiger Treiber für das globale Wachstum der Versicherungsprämien. Im Jahr 2016 entfielen 20 % der weltweiten Prämien auf die Schwellenländer, wobei dieser Wert vor 20 Jahren noch bei 5 % lag. Trotzdem sind viele Verbraucher und Unternehmen in den Schwellenländern nach wie vor ungenügend
    oder überhaupt nicht versichert und damit externen Schockereignissen durch Krankheit, Naturkatastrophen und
    Unfälle schutzlos ausgesetzt. Solche Ereignisse können anhaltende
    negative Folgen für das Wirtschaftswachstum wie auch die
    menschliche Entwicklung haben.

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  • sigma 3/2017: Globale Assekuranz 2016 (PDF, 2.03mb)

    05 July 2017

    Das Wachstum der Weltwirtschaft verlief im Jahr 2016 mit einem Anstieg des realen Bruttoinlandsprodukts (BIP)1 um 2,5 % ähnlich wie im Vorjahr. Das BIP Wachstum lag in den entwickelten Länder noch immer unter dem Durchschnitt von vor der Finanzkrise, aber leicht über dem Zehnjahreswert. Das Wachstum in den Schwellenländern legte zwar leicht zu, blieb jedoch weit unterhalb des Zehnjahresdurchschnittes.
    Die rohstoffexportierenden Länder hatten unter den niedrigen Preisen zu leiden.

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  • sigma 2/2017: Natur- und Man-made- Katastrophen im Jahr 2016 (PDF, 867kb)

    28 March 2017

    In terms of devastation wreaked, there were a number of large-scale disasters across the world in 2016, including earthquakes in Japan, Ecuador, Tanzania, Italy and New Zealand. There were also a number of severe floods in the US and across Europe and
    Asia, and a record high number of weather events in the US. The strongest was Hurricane Matthew, which became the first Category 5 storm to form over the North Atlantic since 2007, and which caused the largest loss of life – more than 700 victims, mostly in Haiti – of a single event in the year. Another expansive, and expensive, disaster was the wildfire that spread through Alberta and Saskatchewan in Canada from May to July.

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  • sigma 1/2017 - Cyber: Bewältigung eines komplexen Risikos (PDF, 750kb)

    01 March 2017

    Cyber threats are evolving rapidly due to the growing digital transformation of society, the widespread use of internet-enabled devices and processes, and the changing profile of hackers. Recent high-profile cyber attacks demonstrate that the extent of associated possible losses is also broadening, increasingly comprising both physical and financial damage relating to data privacy breaches and to companies’ tangible and intangible assets, and also business interruption costs. As a result, the issue of cyber protection is rising up the corporate agenda, at both large and small
    companies.

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  • 05/2016 Strategische Rückversicherung und Versicherung (PDF, 2.16mb)

    12 September 2016

    Reinsurance and insurance markets are changing rapidly. Insurers around the world have become increasingly sophisticated in managing their capital and risks. Consolidation, evolving solvency regulation and the spread of enterprise risk management are driving a trend of centralized re/insurance buying by insurance companies and large corporations, tailored to enable growth and steer group-wide
    risk appetite across all types of risks.

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  • sigma 03/2016: Globale Assekuranz 2015 (PDF, 3.79mb)

    29 June 2016

    In spite of a challenging environment in 2015 with moderate global economic growth of 2.5%, direct premiums written grew 3.8% in real terms, up from 3.5% growth in 2014. However, in nominal US dollar (USD) terms, global premiums were down by 4.2%, due to currency depreciation against the USD, particularly in the advanced markets. There was a slight slowdown in the life sector in 2015, with global premium growth dipping to 4.0% from 4.3%, due to weaker performance in the advanced markets. On the non-life side, strong growth in the advanced markets of Asia, and improvement in North America and Western Europe, contributed to a 3.6% increase in global premiums, up from 2.4% growth in 2014.The sigma includes a special chapter on the slowdown in global trade in recent years, and its possible impact on the insurance sector.

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  • 02/2016 Versicherung in den Grenzmärkten (PDF, 2.03mb)

    03 May 2016

    Behind the excitement created by the leading emerging markets such as Brazil, India or China, there is a group of "frontier markets" which have a promising outlook for economic growth and offer attractive long-term potential for insurers. Swiss Re's latest <i>sigma</i> study looks at 21 frontier markets such as Nigeria, Ecuador, Vietnam and Azerbaijan. It provides an outlook for premium growth and an overview of the economic fundamentals which will lead to increased demand for insurance in these countries. The report also looks at the individual features of each market, covering topics such as impending regulatory changes and the influence of external factors such as regional trade agreements.

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  • 01/2016 Natur- und Man-made-Katastrophen 2015 (PDF, 2.04mb)

    30 March 2016

    According to the latest <i>sigma</i> study, global insured losses from natural catastrophes and man-made disasters in 2015 were USD 37 billion, well-below the USD 62 billion average of the previous 10 years. There were 353 disaster events last year. Of those, 198 were natural catastrophes, which is the highest number in one year, according to <i>sigma</i> records.

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  • 05/2015 Unterversicherung von Sachrisiken: Die Deckungslücke schliesse (PDF, 2.09mb)

    14 September 2015

    Underinsurance of property risks is a global challenge. Much of the protection gap is due to uninsured global natural catastrophe risk, which has been rising steadily over the past 40 years. Swiss Re’s sigma data show that total economic losses from natural disasters have averaged around USD 180 billion annually in the last decade,
    with 70% (USD 127 billion, or USD 1.3 trillion in total over the 10 years) of that uninsured. Earthquakes, floods and windstorms are the main perils, particularly in areas of high population and property value concentrations.

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  • 04/2015 Globale Assekuranz 2014: Zum «Leben» erwacht (PDF, 3.01mb)

    24 June 2015

    The global insurance industry gained momentum in 2014, even though the economic environment improved only marginally, says Swiss Re's latest sigma study. Total direct premiums written were up 3.7% to USD 4 778 billion after having stagnated the previous year. The life sector returned to positive growth, with premiums up 4.3% after a 1.8% decline in 2013, and non-life premium growth accelerated to 2.9% from 2.7%. A notable feature of the renewed momentum across the insurance industry was a significantly stronger performance in the advanced markets.

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  • 03/2015 Fusionen und Übernahmen im Versicherungswesen (PDF, 2.05mb)

    12 May 2015

    Mergers and acquisitions (M & A) tend to come in waves. After declining sharply in the wake of the financial crisis, overall M & A activity in the insurance sector has been relatively low in recent years and has only just started to increase. Surveys also suggest sentiment towards M & A is turning as insurers look for ways to deploy excess capital, boost or diversify revenue growth, build scale and ultimately bolster profitability in the face of ongoing economic headwinds.

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