Solvency & capitalisation

• Author: European Insurance and Occupational Pensions Authority (EU body or agency)
• Pages: 16-25

4. SOLVENCY & CAPITALISATION

The majority of countries (17 out of 31), report amedian SCR ratio of over 200%;and for all

countries amedian MCR above 250% is reported. Market risk is the most dominant risk

module accounting for between 25% and 80% of BSCR for all countries. For the majority

of countries(26 out of 31), Tier 1– unrestricted capital accounts for 90% or more of OF.

4.1 SCR AND MCR DISTRIBUTION

Figure 21: SCR ratio full distributions per country

The chart above shows t he distribution of SCR ratios fo r each country; that is the total eligib le own funds divided by

the Solvencycapit al requirement for each country. Countr ies with more than 55 underta kings displayed on their own

line.

- For most countries the majo rity

of undertakings are conce ntrated

within the 100-200 % range with

along tail to the higher coverage

ratios.

- At EEA level we can see that the

vast majority of under takings fall

between the 10 0-300% range.

EUROPEAN INSU RANCE OVERVIEW 

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