Las macrotendencias tecnológicas, económicas, demográficas, sociales y geopolíticas están impulsando profundos cambios en el entorno empresarial. Estos cambios estructurales crean nuevas oportunidades, pero también nuevos riesgos. Al mismo
tiempo, el sector corporativo ha pasado de estar dominado por activos físicos a obtener más valor a partir de activos intangibles.
El crecimiento de la economía global cambió poco en 2016 respecto al año anterior, con un crecimiento del producto interno bruto (PIB)1 real del 2,5 %. En las economías avanzadas, el PIB continuó por debajo del nivel anterior a la crisis económica, pero ligeramente por encima del promedio anual de 10 años, y en los mercados emergentes el crecimiento solo repuntó ligeramente y continuó muy por debajo del promedio de 10 años. Los exportadores de materias primas tuvieron dificultades debido a los precios relativamente bajos, mientras que el crecimiento fue sólido en algunos mercados clave como India y China, y mejoró en los países de Europa Central y Oriental (PECO). Las tasas de interés se mantuvieron bajas en Europa y Japón, mientras que la Reserva Federal (FED, por sus siglas en inglés) de EE. UU. continuó su gradual ajuste monetario a finales de año. Salvo en algunos mercados emergentes, la inflación fue baja en la mayoría de países, aunque emprendió una
tendencia al alza.
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.
Las amenazas cibernéticas evolucionan rápidamente debido a la creciente transformación digital de la sociedad, al uso generalizado de procesos y dispositivos con conexión a Internet y al perfil cambiante de los hackers.Download
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.
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.Download
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.Download
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.Download
Agriculture employs one in four in Peru. A highly diversified sector, it includes all segments – from commercial to smallholder farming. Export income from coffee is important to the economy but at the same time it’s exposed to
many perils: The coffee leaf rust outbreak in 2012/2013 was just the latest event to hit the sector
Underinsurance of property risks1 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.
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.Download