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{"sheet":"Index","index":0,"n_rows":109,"n_cols":8,"rows_kept":109,"cut":false,"hidden":false,"merged":[[15,0,15,16383],[23,0,23,7],[13,0,13,16383],[3,0,3,16383],[5,0,5,16383],[7,0,7,16383],[9,0,9,16383],[11,0,11,16383]]}
["Index",null,null,"NLT Return for Classes 3-9 and 11"]
[]
[]
["Throughout this return, 'Regulation' refers to the Insurance (Non Long-Term Business Valuation and Solvency) Regulations 2021 unless stated otherwise. "]
[]
["Where applicable, the terms used in this form should be taken to have the same meaning as defined in the Regulations."]
[]
["This return should be completed by a Class 3 to 9 or 11 insurer for assets and liabilities relating to all of its lines of business."]
[]
["This return must be completed in the insurer's reporting currency. "]
[]
["When expressing the value of any asset or liability denominated in a currency other than the reporting currency, the value must be converted into the reporting currency as if the conversion had taken place at the closing exchange rate on the last day for which the appropriate rate is available in the reporting period to which the asset or liability relates. "]
[]
["The conversion into the reporting currency must be calculated by applying the exchange rate from the same source as that used for the insurer's financial statements."]
[]
["An offence may be committed under s52 of the Insurance Act 2008 for failing to supply any information required by the Authority, or for supplying false or misleading information."]
[]
["For the annual return, a copy of this index tab must be printed, signed and attached to the Auditor's Report required to be submitted to the Authority under the Insurance Regulations 2021, for the relevant reporting period."]
[]
["Instruction Notes"]
["1. Figures should be reported in thousands (for example £10,504,603.00 is entered as 10504.603 and will appear as 10,504.603)."]
["2. Figures entered in the accounting basis column must always reconcile to the figures in the financial statements used as a basis of preparing the return."]
["3. Where there are differences between the accounting basis column and the regulatory basis column, commentary must be provided to explain the difference."]
["4. Where the same data is required in different tabs/worksheets, the figures entered should be reconcile. For example, reinsurance recoverables on the regulatory basis entered in the RBS-Assets tab must reconcile to both the reinsurance recoverables on the regulatory basis entered in the RBS – Direct TPs tab and the reinsurance recoverables entered in the counterparty default helper tab."]
["5. Where an insurer has a valid pay-as-paid clause in place, the regulatory balance sheet should be completed without taking the clause into account. The risk mitgation of the clause is taken into account in the counterparty default helper tab."]
[]
[]
[]
[null,null,null,null,null,"Key"]
[null,"Released Date","2022-05-12"]
[null,null,null,null,null,"Input Cell"]
[]
[null,null,null,null,null,"Formula Cell"]
[]
[null,null,null,null,null,"Input from helper tab"]
[]
[null,null,null,null,null,"Fixed value cell"]
[]
[null,null,null,null,null,"Fixed value cell"]
[]
[null,null,null,null,null,"           *          \nClick on cell for information"]
[]
[]
[null,"Tab",null,"Content",null,"Quarterly or Annual Return",null,"Included in scope of Reasonable Assurance in annual audit"]
[]
[null,"Participant Information",null,"Information about the insurer",null,"Quarterly & Annual",null,"No"]
[]
[null,"RBS - Assets",null,"Information on the regulatory balance sheet value of assets backing non-life business on the insurer's accounting basis and on the regulatory basis.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"RBS - Direct TPs",null,"Information on the regulatory balance sheet value of technical provisions for directly written liabilities on the insurer's accounting basis and on the regulatory basis.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"RBS - Reins TPs",null,"Information on the regulatory balance sheet value of technical provisions for reinsured liabilities on the insurer's accounting basis and on the regulatory basis.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"RBS - Other Liab",null,"Information on the regulatory balance sheet value of technical provisions for other liabilities on the insurer's accounting basis and on the regulatory basis.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"RBS-Risk Margin",null,"Information on the regulatory balance sheet value of the risk margin.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"RBS - Capital",null,"Information on the regulatory balance sheet value of capital on the insurer's accounting basis and on the regulatory basis.",null,"Quarterly & Annual",null,"Yes"]
[null,"Quarterly Accounting Info",null,"Additional information required from the insurer's financial statements.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Own Funds",null,"Determines eligible own funds to cover the SCR.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Market Risk Inputs",null,"Inputs for the market risk capital requirement.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Spread Risk",null,"Calculation of the spread risk capital requirement.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Counterparty Default Risk",null,"Calculation of the counterparty default risk capital requirement.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Premium and Reserve Risk",null,"Calculation of the premium and reserve risk capital requirement.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Geographical Diversification",null,"Calculation of geographical diversification for premium and reserve risk. ",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Lapse Risk",null,"Calculation of the lapse risk capital requirement.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Health Prem & Reserve Risk",null,"Calculation of the NSLT health premium and reserve risk capital requirement.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Health Geo Diversification",null,"Calculation of geographical diversification for NSLT health premium and reserve risk. ",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Health Lapse Risk",null,"Calculation of the NSLT health lapse risk capital requirement.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Health Catastrophe Risk",null,"Calculation of the NSLT health catastrophe risk capital requirement.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Market Risk",null,"Calculation of the market risk capital requirement.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Underwriting Risk",null,"Calculation of the underwriting risk capital requirement.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"NSLT Health Risk",null,"Calculation of the NSLT health risk capital requirement.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Ring-Fenced Fund Adjustment",null,"Adjustment to the diversification benefit of the SCR and to tier 1 own-funds if an insurer has ring-fenced funds.",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"SCR Summary",null,"Calculation of the insurer's solvency capital requirement; summary of capital resources and the related SCR coverage ratio. ",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"MCR Summary",null,"Calculation of the insurer's minimum capital requirement. ",null,"Quarterly & Annual",null,"Yes"]
[]
[null,"Change Analysis",null,"Analysis of the movement in regulatory balance sheet, SCR and MCR over the reporting period.",null,"Quarterly & Annual",null,"No"]
[]
[null,"Supporting Material",null,"Requirement for the provision of a narative summary document and supporting schematic diagram of the insurer's insurance program written during the accounting period of its accompanying audited accounts, and a narrative summary/schematic of the insurer's insurance program written and expected to be written (as applicable) during the subsequent 12 months. The second summary/schematic may, if appropriate, be limited to contain only material changes from the first summary/schematic. The summaries are also required to include information on any reinsurance purchased, any relevant contingent funding or liability reduction contractual clauses and any material factors likely to impact the insurance program.",null,"Annual",null,"No"]
[]
[null,"Summary of Single Exposures",null,"In this Tab, TABLE 1 relates to business written by the insurer during the accounting period of its accompanying audited accounts. TABLE 2 relates to business written and expected to be written (as applicable) during the following 12 months. Each table requires information for each line of business on the insurer's highest written single loss/event (gross and net exposures), and (where different) the insurer's highest single loss/event retentions. ",null,"Annual",null,"No"]
[]
[null,"12_Month_Forecast",null,"A high level summary by class of business of the insurer's forecast insurance programme for the 12 months following the accounting period of its accompanying audited accounts. It includes information on total gross premiums, total net premiums, total probable maximum losses and total expected claims. It also calculates simple loss ratios, identifies the risk gap (based on probable maximum losses) being taken on in the forecast period and asks for additional information on any foreseeable changes in funding levels.",null,"Annual",null,"No"]
[]
[null,"Large Claims",null,"Information about any large claims exceeding 20% of the insurer's net assets, and how they have developed and/or settled over the accounting period of the attached audited accounts.",null,"Annual",null,"No"]
[]
[null,"Security Supporting Obligations",null,"Information on security provided directly or indirectly to guarantee that the insurer's insurance obligations are met.",null,"Annual",null,"No"]
[]
[null,"Annual Accounting Info",null,"Contains certain additional information requirements.",null,"Annual",null,"Yes"]
[]
[null,"Data",null,"Information only.",null,"N/A",null,"N/A"]

{"sheet":"Background","index":1,"n_rows":38,"n_cols":5,"rows_kept":38,"cut":false,"hidden":false,"merged":[]}
["Background"]
[]
[]
["Regulatory Balance Sheet"]
["The regulatory balance sheet consists of assets, technical provisions, other liabilities, and solvency capital requirements."]
["The diagram below illustrates solvency control levels and their relationship with solvency capital requirements. "]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["SCR Construction"]
["The SCR consists of a number of different shock scenarios, collected together in different sub-groups:"]
[]
[null,"Market Risk","Counterparty Default Risk","Non-Life/Health Underwriting Risks","Operational Risk"]
[null,"Interest Rate risk","Type 1 Default risk ","Premium & Reserve risk","Operational risk "]
[null,"Equity risk","Type 2 Default risk","Lapse risk"]
[null,"Property risk",null,"Catastrophe risk"]
[null,"Currency risk"]
[null,"Spread risk"]
[null,"Concentration risk"]
[]
["Each risk within a sub-group is aggregated together to make a capital requirement for that sub-group, allowing for the diversification benefits between each individual risk category."]
[]
["The capital requirements for each sub-group are then further aggregated to make an overall capital requirement, again, allowing for the diversification benefits between each sub-group."]

{"sheet":"Participant Information","index":2,"n_rows":27,"n_cols":5,"rows_kept":27,"cut":false,"hidden":false,"merged":[[34,1,34,9],[30,1,30,9],[31,1,31,9],[32,1,32,9],[33,1,33,9],[24,1,24,4],[25,1,25,4],[26,1,26,4],[8,1,8,4],[9,1,9,2],[13,1,13,4],[21,1,21,4],[22,1,22,4]]}
["Participant Information"]
[]
[]
[]
[]
[]
[]
[]
[null,"Classes 3-9&11 Non-Long-Term Business Insurance Return"]
[null,"Firm Information",null,"Return Version Number","V0.01"]
[null,"Firm Name",null,"Return Reporting Currency","United Kingdom Pound"]
[null,"Date Return From (dd/mm/yyyy)","2022-01-01","Date Return To (dd/mm/yyyy)","2022-12-31"]
[]
[null,"Firm Declaration"]
[null,"We are authorised by ('the Firm') to make this Return on behalf of the Firm."]
[null,"We declare that the information supplied in this return is complete and accurate to the best of our knowledge and belief."]
[null,"Return Signed Off by 1:",null,"Return Signed Off by 2:"]
[null,"Position:",null,"Position:"]
[null,"Firm Name:",null,"Firm Name:"]
[null,"Date (dd/mm/yyyy):",null,"Date (dd/mm/yyyy):"]
[]
[null,"Comments"]
[]
[]
[null,"An offence may be committed under s52 of the Insurance Act 2008 for failing to supply any information required by the Authority, or for supplying false or misleading information."]
[]
[null,"🔒 Data Protection Notice\nThe Authority is registered with the Information Commissioner as a data controller under Isle of Man data protection legislation. The Authority collects and processes personal data to carry out its functions under relevant legislation and may share personal data with other parties where there is a legal basis for doing so. Information on how the Authority collects and processes personal data can be found in the Privacy Policy on the Authority’s website: https://www.iomfsa.im/terms-conditions/privacy-policy/ \nPlease call +44 (0)1624 646000 if you have any queries."]

{"sheet":"RBS - Assets","index":3,"n_rows":75,"n_cols":11,"rows_kept":75,"cut":false,"hidden":false,"merged":[]}
["RBS - Assets"]
[]
[]
[]
[null,"Balance Sheet - Assets",null,"Accounting basis *",null,"Regulatory basis *",null,null,null,null,"Please add an explanation where the regulatory basis differs from accounting basis"]
[null,null,null,"'000",null,"'000"]
[]
[null,"Fixed Assets"]
[]
[null,"Goodwill",null,0,null,0]
[null,"Other intangible assets",null,0,null,0]
[null,"Property, plant & equipment held for own use",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D10:D12)","v":0},null,{"$f":"SUM(F10:F12)","v":0}]
[]
[null,"Investments"]
[]
[null,"Property (inc. land, buildings, immovable property rights excluding property investment for insurer's own use)",null,0,null,0]
[null,"Participations (constituted by share ownership or by the exertion of a dominant or significant influence over another entity)",null,0,null,0]
[null,"Type 1 equities (equities listed in regulated markets in countries which are members of the EEA or OCED including Participations that are equity holding meeting this criteria)",null,0,null,0]
[null,"Type 2 equities (listed equities that are not type 1 equities,not listed, hedge funds, commodities, Participations that are equity holdings that are not type 1 equity holdings, and any assets where look-through was not possible.)",null,0,null,0]
[null,"Eligible government bonds (and bonds issued by other institutions that meet the eligibility requirements)",null,0,null,0]
[null,"Bonds - Corporate (including all types of asset backed securities)",null,0,null,0]
[null,"Other credit risky assets (incl. corporate bonds, money market Instruments subordinated debt instruments, securitsation positions, credit derivatives other than for hedging purposes and Participations that are subordinated liability holdings)",null,0,null,0]
[null,"Structured notes",null,0,null,0]
[null,"Any type of investment in group/related entities (e.g, discount notes issued by a related party, deposits in a bank which is also a related entity etc.) other than loans and participations.",null,0,null,0]
[null,"Credit Derivatives (for hedging purposes)"]
[null,"Futures"]
[null,"Call Options"]
[null,"Put Options"]
[null,"Swaps"]
[null,"Forwards"]
[null,"Long term bank deposits (duration more than 1 year)"]
[null,"Other investments (note will be included within Type 2 equity market stress)"]
[]
[null,"Total",null,{"$f":"SUM(D18:D27,D33:D34)","v":0},null,{"$f":"SUM(F18:F27,F33:F34)","v":0}]
[]
[null,"Mortgages and loans made"]
[]
[null,"Loans made to unrelated entities (both collateralised and uncollateralised and including loans on policies)",null,0,null,0]
[null,"Loans made to group/related entities",null,0,null,0]
[null,"Collateralised loans made (other than loans on policies)"]
[null,"Loans on policies"]
[]
[null,"Total",null,{"$f":"SUM(D40:D43)","v":0},null,{"$f":"SUM(F40:F43)","v":0}]
[]
[null,"Reinsurance recoverables"]
[]
[null,"Reinsurance recoverables (including share of premium reserves, claim reserves and other recoverables)",null,0,null,0]
[null,"Reinsurance share of claim reserves"]
[null,"Other reinsurance recoverables"]
[]
[null,"Total",null,{"$f":"SUM(D49:D51)","v":0},null,{"$f":"SUM(F49:F51)","v":0}]
[]
[null,"Other Assets"]
[]
[null,"SPV recoverables"]
[null,"Receivables/recoverables (other than reinsurance)",null,0,null,0]
[null,"Receivables (other than reinsurance)",null,0]
[null,"Deferred acquisition costs",null,0,null,0]
[null,"Prepayments made, deferred expenses etc.",null,0,null,0]
[null,"Deposits with ceding insurers or other similar arrangements  (e.g, escrow accounts)",null,0,null,0]
[null,"Cash and cash equivalents (duration less than 5 days with no penalties on withdrawal)",null,0,null,0]
[null,"Other bank deposits, notice accounts or similar  (duration greater than 5 days)",null,0,null,0]
[null,"Amounts due in respect of called but unpaid capital",null,0,null,0]
[null,"Other assets, not shown elsewhere  (note will be included within Type 2 equity market stress)",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D57:D66)","v":0},null,{"$f":"SUM(F57:F66)","v":0}]
[]
[null,"Total Assets"]
[]
[null,"TOTAL",null,{"$f":"SUM(D14,D36,D45,D53,D68)","v":0},null,{"$f":"SUM(F14,F36,F45,F53,F68)","v":0}]
[]
[]
[null,"SCR Stress Key:"]

{"sheet":"RBS - Direct TPs","index":4,"n_rows":119,"n_cols":13,"rows_kept":119,"cut":false,"hidden":false,"merged":[[4,8,6,10],[4,5,4,6],[4,1,5,1],[4,2,5,2]]}
["RBS - Direct TPs"]
[]
[]
[]
[null,"Balance Sheet - Direct Written Liabilities",null,"Accounting basis",null,"Regulatory Basis",null,null,"Reinsurance recoverables - regulatory basis *",null,null,null,"Please add an explanation where the regulatory basis differs from accounting basis"]
[]
[null,null,null,"'000",null,"'000"]
[]
[null,"TPs - 1 - Motor vehicle liability insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D11:D12)","v":0},null,{"$f":"SUM(F11:F12)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D13:D14)","v":0},null,{"$f":"SUM(F13:F14)","v":0}]
[]
[null,"TPs - 2 - Other motor insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D20:D21)","v":0},null,{"$f":"SUM(F20:F21)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D22:D23)","v":0},null,{"$f":"SUM(F22:F23)","v":0}]
[]
[null,"TPs - 3 - Marine, aviation & transport (MAT) insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D29:D30)","v":0},null,{"$f":"SUM(F29:F30)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D31:D32)","v":0},null,{"$f":"SUM(F31:F32)","v":0}]
[]
[null,"TPs - 4 - Fire & other damage to property insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D38:D39)","v":0},null,{"$f":"SUM(F38:F39)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D40:D41)","v":0},null,{"$f":"SUM(F40:F41)","v":0}]
[]
[null,"TPs - 5 - General liability insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D47:D48)","v":0},null,{"$f":"SUM(F47:F48)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D49:D50)","v":0},null,{"$f":"SUM(F49:F50)","v":0}]
[]
[null,"TPs - 6 - Credit & Suretyship insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D56:D57)","v":0},null,{"$f":"SUM(F56:F57)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D58:D59)","v":0},null,{"$f":"SUM(F58:F59)","v":0}]
[]
[null,"TPs - 7 - Legal expenses insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D65:D66)","v":0},null,{"$f":"SUM(F65:F66)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D67:D68)","v":0},null,{"$f":"SUM(F67:F68)","v":0}]
[]
[null,"TPs - 8 - Assistance insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D74:D75)","v":0},null,{"$f":"SUM(F74:F75)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D76:D77)","v":0},null,{"$f":"SUM(F76:F77)","v":0}]
[]
[null,"TPs - 9 - Miscellaneous financial loss insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D83:D84)","v":0},null,{"$f":"SUM(F83:F84)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D85:D86)","v":0},null,{"$f":"SUM(F85:F86)","v":0}]
[]
[null,"TPs - 10 - Medical expense insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D92:D93)","v":0},null,{"$f":"SUM(F92:F93)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D94:D95)","v":0},null,{"$f":"SUM(F94:F95)","v":0}]
[]
[null,"TPs - 11 - Income protection insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D101:D102)","v":0},null,{"$f":"SUM(F101:F102)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D103:D104)","v":0},null,{"$f":"SUM(F103:F104)","v":0}]
[]
[null,"TPs - 12 - Workers' compensation insurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D110:D111)","v":0},null,{"$f":"SUM(F110:F111)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D112:D113)","v":0},null,{"$f":"SUM(F112:F113)","v":0}]
[]
[null,"Total Direct Technical Provisions"]
[]
[null,"TOTAL",null,{"$f":"SUM(Acc_TP_1,Acc_TP_2,Acc_TP_3,Acc_TP_4,Acc_TP_5,Acc_TP_6,Acc_TP_7,Acc_TP_8,Acc_TP_9,Acc_TP_10,Acc_TP_11,Acc_TP_12)","v":0},null,{"$f":"SUM(Reg_TP_1,Reg_TP_2,Reg_TP_3,Reg_TP_4,Reg_TP_5,Reg_TP_6,Reg_TP_7,Reg_TP_8,Reg_TP_9,Reg_TP_10,Reg_TP_11,Reg_TP_12)","v":0},null,null,null,{"$f":"J111+J102+J93+J84+J75+J66+J57+J48+J39+J30+J21+J12","v":0}]

{"sheet":"RBS - Reins TPs","index":5,"n_rows":155,"n_cols":13,"rows_kept":155,"cut":false,"hidden":false,"merged":[[4,5,4,6],[4,1,5,1],[4,2,5,2],[4,3,5,3],[4,9,6,9]]}
["RBS - Reins TPs"]
[]
[]
[]
[null,"Balance Sheet - Reinsurances",null,"Accounting basis",null,"Regulatory Basis  ",null,null,null,"Reinsurance recoverables -regulatory basis *",null,null,"Please add an explanation where the regulatory basis differs from accounting basis"]
[]
[null,null,null,"'000",null,"'000"]
[]
[null,"TPs - 13 - Motor vehicle liability proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D11:D12)","v":0},null,{"$f":"SUM(F11:F12)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D13:D14)","v":0},null,{"$f":"SUM(F13:F14)","v":0}]
[]
[null,"TPs - 14 - Other motor proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D20:D21)","v":0},null,{"$f":"SUM(F20:F21)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D22:D23)","v":0},null,{"$f":"SUM(F22:F23)","v":0}]
[]
[null,"TPs - 15 - Marine, aviation & transport (MAT) proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D29:D30)","v":0},null,{"$f":"SUM(F29:F30)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D31:D32)","v":0},null,{"$f":"SUM(F31:F32)","v":0}]
[]
[null,"TPs - 16 - Fire & other damage to property proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D38:D39)","v":0},null,{"$f":"SUM(F38:F39)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D40:D41)","v":0},null,{"$f":"SUM(F40:F41)","v":0}]
[]
[null,"TPs - 17 - General liability proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D47:D48)","v":0},null,{"$f":"SUM(F47:F48)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D49:D50)","v":0},null,{"$f":"SUM(F49:F50)","v":0}]
[]
[null,"TPs - 18 - Credit & Suretyship proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D56:D57)","v":0},null,{"$f":"SUM(F56:F57)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D58:D59)","v":0},null,{"$f":"SUM(F58:F59)","v":0}]
[]
[null,"TPs - 19 - Legal expenses proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D65:D66)","v":0},null,{"$f":"SUM(F65:F66)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D67:D68)","v":0},null,{"$f":"SUM(F67:F68)","v":0}]
[]
[null,"TPs - 20 - Assistance proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D74:D75)","v":0},null,{"$f":"SUM(F74:F75)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D76:D77)","v":0},null,{"$f":"SUM(F76:F77)","v":0}]
[]
[null,"TPs - 21 - Miscellaneous financial loss proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D83:D84)","v":0},null,{"$f":"SUM(F83:F84)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D85:D86)","v":0},null,{"$f":"SUM(F85:F86)","v":0}]
[]
[null,"TPs - 22 - Medical expense proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D92:D93)","v":0},null,{"$f":"SUM(F92:F93)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D94:D95)","v":0},null,{"$f":"SUM(F94:F95)","v":0}]
[]
[null,"TPs - 23 - Income Protection proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D101:D102)","v":0},null,{"$f":"SUM(F101:F102)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D103:D104)","v":0},null,{"$f":"SUM(F103:F104)","v":0}]
[]
[null,"TPs - 24 - Workers' compensation proportional reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D110:D111)","v":0},null,{"$f":"SUM(F110:F111)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D112:D113)","v":0},null,{"$f":"SUM(F112:F113)","v":0}]
[]
[null,"TPs - 25 - Non-proportional casualty reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D119:D120)","v":0},null,{"$f":"SUM(F119:F120)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D121:D122)","v":0},null,{"$f":"SUM(F121:F122)","v":0}]
[]
[null,"TPs - 26 - Non-proportional marine, aviation & transport (MAT) reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D128:D129)","v":0},null,{"$f":"SUM(F128:F129)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D130:D131)","v":0},null,{"$f":"SUM(F130:F131)","v":0}]
[]
[null,"TPs - 27 - Non-proportional property reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D137:D138)","v":0},null,{"$f":"SUM(F137:F138)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D139:D140)","v":0},null,{"$f":"SUM(F139:F140)","v":0}]
[]
[null,"TPs - 28 - Non-proportional health reinsurance"]
[]
[null,"Premium reserves",null,0,null,0]
[null,"Claim Reserves",null,0,null,0,null,null,null,0]
[null,"Best Estimate Provision",null,{"$f":"SUM(D146:D147)","v":0},null,{"$f":"SUM(F146:F147)","v":0}]
[null,"Risk Margin",null,0,null,0]
[]
[null,"Total",null,{"$f":"SUM(D148:D149)","v":0},null,{"$f":"SUM(F148:F149)","v":0}]
[]
[null,"Total Direct and Reinsurance Technical Provisions (LOB 1-28)"]
[]
[null,"TOTAL - LOB 1 to 28",null,{"$f":"SUM('RBS - Direct TPs'!Acc_Total_Direct_Liabs,Acc_TP_13,Acc_TP_14,Acc_TP_15,Acc_TP_16,Acc_TP_17,Acc_TP_18,Acc_TP_19,Acc_TP_20,Acc_TP_21,Acc_TP_22,Acc_TP_23,Acc_TP_24,Acc_TP_25,Acc_TP_26,Acc_TP_27,Acc_TP_28)","v":0},null,{"$f":"SUM('RBS - Direct TPs'!Reg_Total_Direct_Liabs,Reg_TP_13,Reg_TP_14,Reg_TP_15,Reg_TP_16,Reg_TP_17,Reg_TP_18,Reg_TP_19,Reg_TP_20,Reg_TP_21,Reg_TP_22,Reg_TP_23,Reg_TP_24,Reg_TP_25,Reg_TP_26,Reg_TP_27,Reg_TP_28)","v":0},null,null,null,{"$f":"J147+J138+J129+J120+J111+J102+J93+J84+J75+J66+J57+J48+J39+J30+J21+J12","v":0}]

{"sheet":"RBS - Other Liab","index":6,"n_rows":34,"n_cols":6,"rows_kept":34,"cut":false,"hidden":false,"merged":[[5,1,6,1],[5,2,6,2],[30,1,31,1],[30,3,31,3]]}
["RBS - Other Liab"]
[]
[]
[]
[]
[null,"Balance Sheet - Other Liabilities & Net Assets",null,"Accounting basis",null,"Regulatory basis"]
[null,null,null,"'000",null,"'000"]
[]
[null,"Other Liabilities"]
[]
[null,"Cash deposits from reinsurers",null,0,null,0]
[null,"(Re)insurance accounts payable",null,0,null,0]
[null,"Derivatives",null,0,null,0]
[null,"Provisions other than technical provisions",null,0,null,0]
[null,"Amounts owed to credit institutions",null,0,null,0]
[null,"Financial liabilities (other than owed to credit institutions)",null,0,null,0]
[null,"Payables (trade, not insurance)",null,0,null,0]
[null,"Pensions benefit obligations",null,0,null,0]
[null,"Uncalled investments",null,0,null,0]
[null,"Contingent liabilities including letters of credit and other similar charges issued to the cost of the insurer",null,0,null,0]
[null,"Any other liabilities not shown elsewhere*",null,0,null,0]
[]
[null,"Total Other Liabilities",null,{"$f":"SUM(D11:D21)","v":0},null,{"$f":"SUM(F11:F21)","v":0}]
[]
[null,"Total Technical Provisions"]
[]
[null,"TOTAL",null,{"$f":"SUM('RBS - Reins TPs'!Acc_Total_1_to_28_Liabs,Acc_Other_Liabs)","v":0},null,{"$f":"SUM('RBS - Reins TPs'!Reg_Total_1_to_28_Liabs,Reg_Other_Liabs)","v":0}]
[]
[]
[]
[null,"Net Assets",null,"Accounting basis",null,"Regulatory"]
[null,null,null,null,null,"basis"]
[]
[null,"TOTAL",null,{"$f":"Acc_Total_Assets-Acc_Total_Liabs","v":0},null,{"$f":"Reg_Total_Assets-Reg_Total_Liabs","v":0}]

{"sheet":"RBS - Capital","index":7,"n_rows":41,"n_cols":6,"rows_kept":41,"cut":false,"hidden":false,"merged":[[4,1,5,1],[4,2,5,2],[4,3,5,3],[4,5,5,5]]}
["RBS - Capital"]
[]
[]
[]
[null,"Capital",null,"Accounting basis",null,"Regulatory Basis"]
[]
[null,null,null,"'000",null,"'000"]
[]
[null,"Capital and Reserves"]
[]
[null,"Share Capital",null,0,null,{"$f":"'Own Funds'!J12","v":0}]
[null,"Initial fund",null,0,null,{"$f":"'Own Funds'!J20","v":0}]
[null,"Share premium",null,0,null,{"$f":"'Own Funds'!J24","v":0}]
[null,"Retained earnings",null,0,null,{"$f":"'Own Funds'!J28","v":0}]
[null,"Other reserves from accounting balance sheet",null,0,null,{"$f":"'Own Funds'!J32","v":0}]
[null,"Surplus funds",null,0,null,{"$f":"'Own Funds'!J46","v":0}]
[null,"EPIFP",null,0,null,{"$f":"'Own Funds'!J50","v":0}]
[null,"Preference Shares",null,0,null,{"$f":"'Own Funds'!J58","v":0}]
[null,"Subordinated liabilities and subordinated mutual member accounts",null,0,null,{"$f":"'Own Funds'!J66+'Own Funds'!J70","v":0}]
[null,"Other items not specified above",null,0,null,{"$f":"'Own Funds'!J74","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D11:D20)","v":0},null,{"$f":"SUM(F11:F20)","v":0}]
[]
[null,"Reconciliation reserve"]
[]
[null,"Adjustment to assets",null,0,null,{"$f":"'Own Funds'!J36","v":0}]
[null,"Adjustment to technical provisions",null,0,null,{"$f":"'Own Funds'!J37","v":0}]
[null,"less expected profit in future premiums (EPIFP)",null,0,null,{"$f":"'Own Funds'!J38","v":0}]
[null,"Adjustments to other liabilities",null,0,null,{"$f":"'Own Funds'!J39","v":0}]
[null,"Own funds from the financial statements that should not be represented by the reconciliation reserve and do not meet the criteria to be classified as Tier 1 own funds",null,0,null,{"$f":"'Own Funds'!J40","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D26:D30)","v":0},null,{"$f":"SUM(F26:F30)","v":0}]
[]
[null,"Total Capital and Reserves"]
[]
[null,"TOTAL",null,{"$f":"D22","v":0},null,{"$f":"SUM(F32,F22)","v":0}]
[]
[]
[]
[]
[null,"Check balance sheet is balanced",null,{"$f":"IF(ABS('RBS - Other Liab'!D34-Acc_Capital)<0.001,\"OK\",\"ERROR\")","v":"OK"},null,{"$f":"IF(ABS('RBS - Other Liab'!F34-Reg_Capital+F30)<0.001,\"OK\",\"ERROR\")","v":"OK"}]

{"sheet":"Quarterly Accounting Info","index":8,"n_rows":40,"n_cols":8,"rows_kept":40,"cut":false,"hidden":false,"merged":[]}
["Additional Accounting Info"]
[]
[]
[null,"Additional information required from the insurer's financial statements."]
[]
[null,"Gross Insurance Technical Provisions as at the reporting period end",null,{"$f":"\"'000\"","v":"'000"}]
[]
[null,"Unearned premium reserves (UPR)",null,0]
[null,"Outstanding claims reserves (OCR)",null,0]
[null,"Incurred but not reported reserve (IBNR)",null,0]
[null,"Incurred but not enough reported reserve (IBNER)",null,0]
[null,"Unexpired risk reserve (URR) [if not included in UPR]*",null,0]
[null,"Any other technical provision (specify)",null,0,null,"Other prov'n specifics",null,"Enter text"]
[]
[null,"Total gross insurance provisions ",null,{"$f":"SUM(D8:D13)","v":0}]
[]
[null,"Total amounts recoverable from reinsurers*",null,0]
[]
[null,"Total net technical provisions contained in balance sheet*",null,{"$f":"D15+D17","v":0}]
[]
[]
[null,null,null,"Accounting Basis"]
[null,"Profit and Loss Statement for the reporting period",null,{"$f":"\"'000\"","v":"'000"}]
[]
[null,"Gross premiums written*",null,0]
[null,"Outward rensurance premiums ceded*",null,0]
[null,"Movement UPR*",null,0]
[null,"Movement in URR*",null,0]
[null,"Movement in OCR, IBNR and IBNER*",null,0]
[null,"Gross claims paid*",null,0]
[null,"Reinsurance recovered*",null,0]
[null,"Commissions and expenses*",null,0]
[null,"Foreign exchange movements*",null,0]
[null,"Investment income*",null,0]
[null,"Any other item not attributable to any of the above (specify)*",null,0,null,"Other item specifics",null,"Enter text"]
[]
[null,"Profit/Loss for the reporting period",null,{"$f":"SUM(D25:D35)","v":0}]
[]
[]
[null,"Instructions"]

{"sheet":"Own Funds","index":9,"n_rows":149,"n_cols":10,"rows_kept":149,"cut":false,"hidden":false,"merged":[]}
["Own Funds"]
[]
[]
[]
[null,"Basic Own Funds* ",null,"Tier 1*",null,"Tier 2*",null,"Tier 3*",null,"Total"]
[null,null,null,"'000",null,"'000",null,"'000",null,"'000"]
[null,"Ordinary Share Capital (net of own shares)"]
[]
[null,"Paid up",null,0,null,0,null,0,null,{"$f":"SUM(D9,F9,H9)","v":0}]
[null,"Called up",null,0,null,0,null,0,null,{"$f":"SUM(D10,F10,H10)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D9:D10)","v":0},null,{"$f":"SUM(F9:F10)","v":0},null,{"$f":"SUM(H9:H10)","v":0},null,{"$f":"SUM(J9:J10)","v":0}]
[]
[null,"Initial Fund (less item of the same type held)"]
[]
[null,"Paid up",null,0,null,0,null,0,null,{"$f":"SUM(D16,F16,H16)","v":0}]
[null,"Called up",null,0,null,0,null,0,null,{"$f":"SUM(D17,F17,H17)","v":0}]
[null,"Callable",null,0,null,0,null,0,null,{"$f":"SUM(D18,F18,H18)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D16:D18)","v":0},null,{"$f":"SUM(F16:F18)","v":0},null,{"$f":"SUM(H16:H18)","v":0},null,{"$f":"SUM(J16:J18)","v":0}]
[]
[null,"Share Premium Account"]
[]
[null,"Share Premium Account",null,0,null,0,null,0,null,{"$f":"SUM(D24,F24,H24)","v":0}]
[]
[null,"Retained earnings including profits from the year"]
[]
[null,"Retained earnings",null,0,null,0,null,0,null,{"$f":"SUM(D28,F28,H28)","v":0}]
[]
[null,"Other reserves from accounting balance sheet"]
[]
[null,"Other reserves",null,0,null,0,null,0,null,{"$f":"SUM(D32,F32,H32)","v":0}]
[]
[null,"Reconciliation reserve"]
[]
[null,"Adjustment to assets",null,{"$f":"Reg_Total_Assets-Acc_Total_Assets","v":0},null,0,null,0,null,{"$f":"SUM(D36,F36,H36)","v":0}]
[null,"Adjustments to technical provisions",null,{"$f":"('RBS - Other Liab'!Acc_Total_Liabs-'RBS - Other Liab'!Acc_Other_Liabs)-('RBS - Other Liab'!Reg_Total_Liabs-'RBS - Other Liab'!Reg_Other_Liabs)","v":0},null,0,null,0,null,{"$f":"SUM(D37,F37,H37)","v":0}]
[null,"less expected profit in future premiums",null,{"$f":"-D50","v":0},null,0,null,0,null,{"$f":"SUM(D38,F38,H38)","v":0}]
[null,"Adjustments to other liabilities",null,{"$f":"'RBS - Other Liab'!Acc_Other_Liabs-'RBS - Other Liab'!Reg_Other_Liabs","v":0},null,0,null,0,null,{"$f":"SUM(D39,F39,H39)","v":0}]
[null,"Own funds from the financial statements that should not be represented by the reconciliation reserve and do not meet the criteria to be classified as Tier 1 own funds *",null,0,null,0,null,0,null,{"$f":"SUM(D40,F40,H40)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D36:D40)","v":0},null,{"$f":"SUM(F36:F40)","v":0},null,{"$f":"SUM(H36:H40)","v":0},null,{"$f":"SUM(J36:J40)","v":0}]
[]
[null,"Surplus funds"]
[]
[null,"Surplus funds",null,0,null,0,null,0,null,{"$f":"SUM(D46,F46,H46)","v":0}]
[]
[null,"Expected profit in future premiums (EPIFP)"]
[]
[null,"EPIFP",null,0,null,0,null,0,null,{"$f":"SUM(D50,F50,H50)","v":0}]
[]
[null,"Preference shares"]
[]
[null,"Dated",null,0,null,0,null,0,null,{"$f":"SUM(D54,F54,H54)","v":0}]
[null,"Undated with a call option",null,0,null,0,null,0,null,{"$f":"SUM(D55,F55,H55)","v":0}]
[null,"Undated with no contractual opportunity to redeem",null,0,null,0,null,0,null,{"$f":"SUM(D56,F56,H56)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D54:D56)","v":0},null,{"$f":"SUM(F54:F56)","v":0},null,{"$f":"SUM(H54:H56)","v":0},null,{"$f":"SUM(J54:J56)","v":0}]
[]
[null,"Subordinated liabilities"]
[]
[null,"Dated",null,0,null,0,null,0,null,{"$f":"SUM(D62,F62,H62)","v":0}]
[null,"Undated with a call option",null,0,null,0,null,0,null,{"$f":"SUM(D63,F63,H63)","v":0}]
[null,"Undated with no contractual opportunity to redeem",null,0,null,0,null,0,null,{"$f":"SUM(D64,F64,H64)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D62:D64)","v":0},null,{"$f":"SUM(F62:F64)","v":0},null,{"$f":"SUM(H62:H64)","v":0},null,{"$f":"SUM(J62:J64)","v":0}]
[]
[null,"Subordinated mutual member accounts"]
[]
[null,"Subordinated mutual member accounts",null,0,null,0,null,0,null,{"$f":"SUM(D70,F70,H70)","v":0}]
[]
[null,"Other items not specified elsewhere*"]
[]
[null,"Other items",null,0,null,0,null,0,null,{"$f":"SUM(D74,F74,H74)","v":0}]
[]
[null,"Total Basic Own Funds"]
[]
[null,"TOTAL",null,{"$f":"SUM(D12,D20,D24,D28,D32,D42,D46,D50,D58,D66,D70,D74)","v":0},null,{"$f":"SUM(F12,F20,F24,F28,F32,F42,F46,F50,F58,F66,F70,F74)","v":0},null,{"$f":"SUM(H12,H20,H24,H28,H32,H42,H46,H50,H58,H66,H70,H74)","v":0},null,{"$f":"SUM(D78,F78,H78)","v":0}]
[]
[]
[]
[null,"Adjustments to BOF",null,"Tier 1",null,"Tier 2",null,"Tier 3",null,"Total"]
[]
[null,"Deductions"]
[]
[null,"Own-funds that belong to immaterial ring-fenced funds",null,0,null,0,null,0,null,{"$f":"SUM(D86,F86,H86)","v":0}]
[null,"Other",null,0,null,0,null,0,null,{"$f":"SUM(D87,F87,H87)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D86:D87)","v":0},null,{"$f":"SUM(F86:F87)","v":0},null,{"$f":"SUM(H86:H87)","v":0},null,{"$f":"SUM(J86:J87)","v":0}]
[]
[null,"Change of tier"]
[]
[null,"Restricted reserves",null,null,null,{"$f":"-D93","v":0},null,0,null,{"$f":"SUM(D93,F93,H93)","v":0}]
[null,"Other adjustments",null,null,null,null,null,null,null,{"$f":"SUM(D94,F94,H94)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D93:D94)","v":0},null,{"$f":"SUM(F93:F94)","v":0},null,{"$f":"SUM(H93:H94)","v":0},null,{"$f":"SUM(J93:J94)","v":0}]
[]
[null,"PCCs - notionally allocated Own-Funds* "]
[]
[null,"Own-funds notionally allocated *",null,0,null,0,null,0,null,{"$f":"SUM(D100,F100,H100)","v":0}]
[]
[null,"Total",null,{"$f":"D100","v":0},null,{"$f":"F100","v":0},null,{"$f":"H100","v":0},null,{"$f":"J100","v":0}]
[]
[null,"Total Adjustments"]
[]
[null,"TOTAL",null,{"$f":"D96-D89+D102","v":0},null,{"$f":"F96-F89+F102","v":0},null,{"$f":"H96-H89+H102","v":0},null,{"$f":"SUM(D106,F106,H106)","v":0}]
[]
[]
[null,"Total Available Own Funds to meet SCR"]
[]
[null,"Eligible Own Funds",null,{"$f":"SUM(BOF_Tier_1,BOF_Adj_Tier_1)","v":0},null,{"$f":"SUM(BOF_Tier_2,BOF_Adj_Tier_2,AOF_Tier_2)","v":0},null,{"$f":"SUM(BOF_Tier_3,BOF_Adj_Tier_3,AOF_Tier_3)","v":0},null,{"$f":"SUM(BOF_Total,BOF_Adj_Total,AOF_Total)","v":0}]
[]
[]
[null,"Total Available Own Funds to meet MCR"]
[]
[null,"Eligible Own Funds",null,{"$f":"EOF_Tier_1","v":0},null,{"$f":"EOF_Tier_2","v":0},null,0,null,{"$f":"D116+F116","v":0}]
[]
[]
[null,"Total Eligible Own Funds to meet SCR"]
[]
[null,"Eligible Own Funds",null,{"$f":"(EOF_Tier_1-SUM(D58,D66,D70,D74,D106))+MAX(0,(MIN((EOF_Tier_1--SUM(D58,D66,D70,D74,D106))*0.25,SUM(D58,D66,D70,D74,D106))))","v":0},null,{"$f":"MAX(0,MIN(0.5*SCR,(EOF_Tier_1-D121)+EOF_Tier_2))","v":0},null,{"$f":"MAX(0,MIN(0.5*SCR-F121,0.15*SCR,EOF_Tier_3))","v":0},null,{"$f":"SUM(D121,F121,H121)","v":0}]
[]
[]
[null,"Total Eligible Own Funds to meet MCR"]
[]
[null,"Eligible Own Funds",null,{"$f":"D121","v":0},null,{"$f":"MAX(0,MIN(0.2*MCR,(EOF_Tier_1-D121)+EOF_Tier_2))","v":0},null,0,null,{"$f":"D126+F126+H126","v":0}]
[]
[]
[]
[null,"Ancillary own fund items *",null,"Tier 1",null,"Tier 2",null,"Tier 3",null,"Total"]
[]
[null,"Unpaid share capital or initial fund that has not been paid up"]
[]
[null,"Total",null,0,null,0,null,0,null,{"$f":"SUM(D134,F134,H134)","v":0}]
[]
[null,"Letters of credit and guarantees held in trust"]
[]
[null,"Letter of credit",null,0,null,0,null,0,null,{"$f":"SUM(D138,F138,H138)","v":0}]
[null,"Guarantees held in trust",null,0,null,0,null,0,null,{"$f":"SUM(D139,F139,H139)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D138:D139)","v":0},null,{"$f":"SUM(F138:F139)","v":0},null,{"$f":"SUM(H138:H139)","v":0},null,{"$f":"SUM(J138:J139)","v":0}]
[]
[null,"Other items approved by the Authority"]
[]
[null,"Other items",null,0,null,0,null,0,null,{"$f":"SUM(D145,F145,H145)","v":0}]
[]
[null,"Total Ancillary Own Funds"]
[]
[null,"TOTAL",null,{"$f":"SUM(D134,D141,D145,)","v":0},null,{"$f":"SUM(F134,F141,F145,)","v":0},null,{"$f":"SUM(H134,H141,H145,)","v":0},null,{"$f":"SUM(J134,J141,J145,)","v":0}]

{"sheet":"Market Risk Inputs","index":10,"n_rows":50,"n_cols":13,"rows_kept":50,"cut":false,"hidden":false,"merged":[[17,13,18,13],[17,6,18,6],[17,7,18,7],[17,8,18,8],[17,9,18,9],[17,10,17,12],[17,1,18,1],[17,2,18,2],[17,3,18,3],[17,4,18,4],[17,5,18,5]]}
["Market Risk Inputs"]
[]
[]
[]
[null,"Interest Rate Risk ",null,"Assets",null,"Liabilities",null,"BOF"]
[null,null,null,"'000",null,"'000",null,"'000"]
[]
[null,"Base",null,0,null,0,null,{"$f":"D8-F8","v":0}]
[]
[null,"Shock",null,"Assets",null,"Liabilities",null,"BOF",null,null,"Capital"]
[null,null,null,"'000",null,"'000",null,null,null,null,"'000"]
[]
[null,"Upward Stress",null,0,null,0,null,{"$f":"$D13-$F13","v":0},null,null,{"$f":"MAX(0,-(H13-$H$8))","v":0}]
[null,"Downward Stress",null,0,null,0,null,{"$f":"$D14-$F14","v":0},null,null,{"$f":"MAX(0,-(H14-$H$8))","v":0}]
[]
[]
[]
[null,"Currency Risk",null,"Total assets denominated in currency group X                      ",null,"Total Liabilities denominated in currency group X",null,"BOF",null,null,{"$f":"Type_of_business&\" year shock\"","v":"1in200 year shock"}]
[null,null,null,null,null,null,null,null,null,null,"Factor",null,"Capital"]
[null,"Figures must be entered in reporting currency",null,"'000",null,"'000",null,"'000",null,null,null,null,"'000"]
[]
[null,"Currency Group 1 ",null,0,null,0,null,{"$f":"ABS($D22-$F22)","v":0},null,null,{"$f":"Currency_stress","v":0.25},null,{"$f":"$H22*K22","v":0}]
[null,"Currency Group 2",null,0,null,0,null,{"$f":"ABS($D23-$F23)","v":0},null,null,0.25,null,{"$f":"$H23*K23","v":0}]
[null,"Currency Group 3",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Currency Group 4",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Currency Group 5",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Currency Group 6",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Currency Group 7",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Currency Group 8",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Currency Group 9",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Currency Group 10",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Marketfx,CurrGroup11",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Marketfx,CurrGroup12",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Marketfx,CurrGroup13",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Marketfx,CurrGroup14",null,0,null,0,null,0,null,null,0.25,null,0]
[null,"Marketfx,CurrGroup15",null,0,null,0,null,0,null,null,0.25,null,0]
[]
[null,"Currency Risk Simplification (alternative approach to full approach above)",null,"Total assets denominated in a currency other than the reporting currency",null,"Total liabilities denominated in a currency other than the reporting currency"]
[]
[null,"Currency Risk SCR",null,0,null,0,null,{"$f":"ABS($D40-$F40)","v":0},null,null,{"$f":"Currency_stress","v":0.25},null,{"$f":"$H40*K40","v":0}]
[]
[]
[]
[]
[null,"Concentration Risk  ",null,"Capital"]
[null,null,null,"'000"]
[]
[null,"Shock"]
[]
[null,"Concentration Risk SCR",null,0]

{"sheet":"Spread Risk","index":11,"n_rows":50,"n_cols":9,"rows_kept":50,"cut":false,"hidden":false,"merged":[[3,2,3,11]]}
["Spread Risk"]
[]
[]
[null,null,"This tab must be completed if you have any investments in government bonds, other credit risky assets, bank deposits that are not cash or loans made to unrelated entities"]
[null,null,"Full calculation"]
[null,null,"To be used by insurers carrying out the full credit spread calculation."]
[null,null,"Calculated using \"NLT_Helper_Spread_Risk_Class_3-9&11\" workbook."]
[]
[]
[null,null,"Spread Risk",null,"'000"]
[]
[1,null,"1in200 year Shock"]
[2]
[3,null,"Spread Risk SCR",null,0,"*"]
[4]
[]
[]
[null,null,"Simplified approach"]
[null,null,"To be used by insurers carrying out the simplified credit spread calculation."]
[]
[null,null,"Credit risky assets with credit ratings "]
[]
[null,null,"Credit Quality Step ",null,"% Market Value by credit quality step of total credit risky assets in cell E50 *",null,"Factor",null,"Average duration (years)"]
[]
[null,null,0,null,0,null,{"$f":"Credit_spread_stress_CQS_0","v":8.9999999999999993E-3},null,0]
[null,null,1,null,0,null,{"$f":"Credit_spread_stress_CQS_1","v":1.0999999999999999E-2},null,0]
[null,null,2,null,0,null,{"$f":"Credit_spread_stress_CQS_2","v":1.4E-2},null,0]
[null,null,3,null,0,null,{"$f":"Credit_spread_stress_CQS_3","v":2.5000000000000001E-2},null,0]
[null,null,4,null,0,null,{"$f":"Credit_spread_stress_CQS_4","v":4.4999999999999998E-2},null,0]
[null,null,5,null,0,null,{"$f":"Credit_spread_stress_CQS_5","v":7.4999999999999997E-2},null,0]
[null,null,6,null,0,null,{"$f":"Credit_spread_stress_CQS_6","v":7.4999999999999997E-2},null,0]
[]
[null,null,"Total ",null,{"$f":"SUM(E25:E31,E40)","v":0},null,null,null,{"$f":"IF(ISERROR(SUMPRODUCT($E$25:$E$31,$G$25:$G$31,$I$25:$I$31)/SUMPRODUCT($E$25:$E$31,$G$25:$G$31)),0,SUMPRODUCT($E$25:$E$31,$G$25:$G$31,$I$25:$I$31)/SUMPRODUCT($E$25:$E$31,$G$25:$G$31))","v":0}]
[]
[]
[null,null,"Credit risky assets without credit ratings"]
[]
[null,null,null,null,"% Market Value of total credit risky assets in cell E50 *",null,"Factor",null,"Average duration (years)"]
[]
[null,null,"Unrated",null,0,null,{"$f":"Credit_spread_stress_unrated","v":0.03},null,0]
[]
[]
[null,null,"Credit risky assets",null,"Market Value before stress",null,"Market Value after stress",null," Change in Market Value"]
[null,null,null,null,"'000",null,"'000",null,"'000"]
[]
[null,null,"Gilts",null,{"$f":"'RBS - Assets'!F22","v":0},null,{"$f":"E46","v":0},null,{"$f":"G46-E46","v":0}]
[null,null,"Rated credit risky assets ",null,{"$f":"SUM('RBS - Assets'!F24,'RBS - Assets'!F40,'RBS - Assets'!F64)*(1-E40)","v":0},null,{"$f":"E47-E47*SUMPRODUCT(E25:E31,G25:G31,I25:I31)","v":0},null,{"$f":"G47-E47","v":0}]
[null,null,"Unrated credit risky assets",null,{"$f":"SUM('RBS - Assets'!F24,'RBS - Assets'!F40,'RBS - Assets'!F64)*E40","v":0},null,{"$f":"E48-E48*MIN(G40*I40,1)","v":0},null,{"$f":"G48-E48","v":0}]
[]
[null,null,"Total Market Value",null,{"$f":"SUM(E46:E48)","v":0},null,{"$f":"SUM(G46:G48)","v":0},null,{"$f":"SUM(I46:I48)","v":0}]

{"sheet":"Counterparty Default Risk","index":12,"n_rows":25,"n_cols":6,"rows_kept":25,"cut":false,"hidden":false,"merged":[[16,17,17,17],[16,9,17,9],[16,1,17,1],[16,2,17,2],[16,4,17,4]]}
["Counterparty Default Risk"]
[]
[]
[]
[null,"Counterparty Default Risk "]
[null,null,null,null,null,"'000"]
[]
[null,"Capital Requirement (before diversification effects)",null,null,null,{"$f":"SUM(D21:D22)","v":0}]
[]
[null,"Diversification",null,null,null,{"$f":"D24-F8","v":0}]
[]
[null,"Counterparty Default Risk SCR",null,null,null,{"$f":"SUM(F8,F10)","v":0}]
[]
[]
[]
[]
[null,"Counterparty Default Risk",null,"Capital"]
[1]
[null,null,null,"'000"]
[2]
[3,"Type 1 SCR",null,0]
[4,"Type 2 SCR",null,0]
[5]
[6,"Counterparty Default Risk SCR",null,{"$f":"IF(ISBLANK(D21:D22),0,SQRT(MMULT(MMULT(TRANSPOSE(D21:D22),DefaultCorr),D21:D22)))","v":0}]
[7]

{"sheet":"Premium and Reserve Risk","index":13,"n_rows":1283,"n_cols":29,"rows_kept":1283,"cut":false,"hidden":false,"merged":[[4,1,4,2],[18,1,18,2],[12,1,12,2],[13,1,13,2],[14,1,14,2],[15,1,15,2],[16,1,16,2],[17,1,17,2],[7,1,7,2],[8,1,8,2],[9,1,9,2],[10,1,10,2],[11,1,11,2]]}
["Premium and Reserve Risk"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(SUM(Q25:Q1282)=0,\"\",IF(SUM(Q25:Q1282)=SUM(Q8:Q19),\"\",\"CHECK: IF ALL CONTRACTS HAVE AGG CAPS THEN SUM OF PREMIUM VOLUME MEASURE IN ROWS 28-802 SHOULD EQUAL SUM OF PREMIUM VOLUME MEASURE IN ROWS 8-19\"))","v":""}]
[]
[null,"Volume Measure                                  ",null,null,null,null,"  Existing Premium      (next 12 months)*",null,"Last Year Premium *",null," Existing Premium (not included in column G)  *",null,"   Future Premium   (next 12 months) *",null,"   Future Premium (not included in column M) *",null,"    Premium Volume Measure",null,"Reserve Volume Measure",null,"Geographical Diversification Adjustment",null,"Combined Volume Measure",null,null,"Number of aggregate caps*"]
[null,null,null,null,null,null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,null,null,"'000"]
[]
[null," 1  - Motor Vehicle Liability & 13 Prop. Reins .",null,null,null,null,0,null,0,null,0,null,0,null,0,null,{"$f":"MAX(G8,I8)+K8+M8+0.3*O8","v":0},null,{"$f":"SUM('RBS - Direct TPs'!F12,'RBS - Reins TPs'!F12,-'RBS - Direct TPs'!J12,-'RBS - Reins TPs'!J12)","v":0},null,{"$f":"'Geographical Diversification'!D39","v":1},null,{"$f":"(Q8+S8)*(0.75+0.25*U8)","v":0},null,null,1]
[null," 2  - Other Motor & 14 Prop. Reins.",null,null,null,null,0,null,0,null,0,null,0,null,0,null,{"$f":"MAX(G9,I9)+K9+M9+0.3*O9","v":0},null,{"$f":"SUM('RBS - Direct TPs'!F21,'RBS - Reins TPs'!F21,-'RBS - Direct TPs'!J21,-'RBS - Reins TPs'!J21)","v":0},null,{"$f":"'Geographical Diversification'!D40","v":1},null,{"$f":"(Q9+S9)*(0.75+0.25*U9)","v":0},null,null,1]
[null," 3  - Marine, Aviation & Transport (MAT) & 15 Prop. Reins.",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"SUM('RBS - Direct TPs'!F30,'RBS - Reins TPs'!F30,-'RBS - Direct TPs'!J30,-'RBS - Reins TPs'!J30)","v":0},null,{"$f":"'Geographical Diversification'!D41","v":1},null,0,null,null,1]
[null," 4  - Fire & Other Damage to Property & 16 Prop. Reins.",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"SUM('RBS - Direct TPs'!F39,'RBS - Reins TPs'!F39,-'RBS - Direct TPs'!J39,-'RBS - Reins TPs'!J39)","v":0},null,{"$f":"'Geographical Diversification'!D42","v":1},null,0,null,null,1]
[null," 5  - General Liability & 17 Prop. Reins.",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"SUM('RBS - Direct TPs'!F48,'RBS - Reins TPs'!F48,-'RBS - Direct TPs'!J48,-'RBS - Reins TPs'!J48)","v":0},null,{"$f":"'Geographical Diversification'!D43","v":1},null,0,null,null,1]
[null," 6  - Credit & Suretyship & 18 Prop. Reins.",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"SUM('RBS - Direct TPs'!F57,'RBS - Reins TPs'!F57,-'RBS - Direct TPs'!J57,-'RBS - Reins TPs'!J57)","v":0},null,{"$f":"'Geographical Diversification'!D44","v":1},null,0,null,null,1]
[null," 7  - Legal Expenses & 19 Prop. Reins.",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"SUM('RBS - Direct TPs'!F66,'RBS - Reins TPs'!F66,-'RBS - Direct TPs'!J66,-'RBS - Reins TPs'!J66)","v":0},null,{"$f":"'Geographical Diversification'!D45","v":1},null,0,null,null,1]
[null," 8  - Assistance & 20 Prop. Reins.",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"SUM('RBS - Direct TPs'!F75,'RBS - Reins TPs'!F75,-'RBS - Direct TPs'!J75,-'RBS - Reins TPs'!J75)","v":0},null,{"$f":"'Geographical Diversification'!D46","v":1},null,0,null,null,1]
[null," 9  - Miscellaneous Financial Loss & 21 Prop. Reins.",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"SUM('RBS - Direct TPs'!F84,'RBS - Reins TPs'!F84,-'RBS - Direct TPs'!J84,-'RBS - Reins TPs'!J84)","v":0},null,{"$f":"'Geographical Diversification'!D47","v":1},null,0,null,null,1]
[null,"25 - Non-prop. reinsurance - Casualty",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"'RBS - Reins TPs'!F120-'RBS - Reins TPs'!J120","v":0},null,{"$f":"'Geographical Diversification'!D48","v":1},null,0,null,null,1]
[null,"26 - Non-prop. reinsurance - MAT",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"'RBS - Reins TPs'!F129-'RBS - Reins TPs'!J129","v":0},null,{"$f":"'Geographical Diversification'!D49","v":1},null,0,null,null,1]
[null,"27 - Non-prop. reinsurance - Property",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"'RBS - Reins TPs'!F138-'RBS - Reins TPs'!J138","v":0},null,{"$f":"'Geographical Diversification'!D50","v":1},null,0,null,null,1]
[]
[]
[]
[null,null,"Aggregate caps ONLY USE IF THERE ARE CAPS WITHIN THE CONTRACT OR ELSE LEAVE BLANK",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(SUM(U25:U1183)=0,\"\",IF(SUM(U25:U1183)=SUM(S8:S19),\"\",\"CHECK: IF ALL CONTRACTS HAVE AGG CAPS THEN SUM OF CLAIMS RESERVES IN ROWS 28-802 SHOULD EQUAL SUM OF RESERVE VOLUME MEASURE IN ROWS 8-19\"))","v":""}]
[]
[null,1,{"$f":"RIGHT(OFFSET($B$8,B25-1,0),LEN(OFFSET($B$8,B25-1,0))-5)","v":" Motor Vehicle Liability & 13 Prop. Reins ."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premium Standard Deviation",null,null,"Reserve Standard Deviation"]
[null,null,"Contract identifier *",null,null,{"$f":"IF(OFFSET($Z$8,B25-1,0)=0,1,0)","v":0},"  Existing Premium      (next 12 months)*",null,"Last Year Premium *",null," Existing Premium (not included in column G)  *",null,"   Future Premium   (next 12 months) *",null,"   Future Premium (not included in column M) *",null,"    Premium Volume Measure",null,"Aggregate Cap*","Error","Claims reserve *",null,"Maximum residual exposure *",null,null,{"$f":"OFFSET('Underwriting Risk'!$K$55,'Premium and Reserve Risk'!B25-1,0)","v":8.0000000000000016E-2},null,null,{"$f":"OFFSET('Underwriting Risk'!$M$55,'Premium and Reserve Risk'!B25-1,0)","v":0.09}]
[null,null,null,null,null,{"$f":"IF(OFFSET($Z$8,B25-1,0)=0,1,0)","v":0}]
[null,1,null,null,null,{"$f":"IF(B28<=OFFSET($Z$8,B$25-1,0),0,1)","v":0},0,null,0,null,0,null,0,null,0,null,{"$f":"MAX(G28,I28)+K28+M28+0.3*O28","v":0},null,0,{"$f":"IF(Q28>0,IF(S28<>0,\"\",\"CAP MUST NOT BE 0\"),\"\")","v":""},0,null,0,null,null,{"$f":"MAX(0%,IF(Q28<>0,MIN((S28-Q28)/Q28/'Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$Z$26),'Premium and Reserve Risk'!$Z$26))","v":8.0000000000000016E-2},null,null,{"$f":"MAX(0%,IF(U28<>0,MIN((W28-U28)/U28/'Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$AC$26),'Premium and Reserve Risk'!$AC$26))","v":0.09}]
[null,2,null,null,null,{"$f":"IF(B29<=OFFSET($Z$8,B$25-1,0),0,1)","v":1},null,null,null,null,null,null,null,null,null,null,{"$f":"MAX(G29,I29)+K29+M29+0.3*O29","v":0},null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(Q29<>0,MIN((S29-Q29)/Q29/'Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$Z$26),'Premium and Reserve Risk'!$Z$26))","v":8.0000000000000016E-2},null,null,{"$f":"MAX(0%,IF(U29<>0,MIN((W29-U29)/U29/'Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$AC$26),'Premium and Reserve Risk'!$AC$26))","v":0.09}]
[null,3,null,null,null,1,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(Q30<>0,MIN((S30-Q30)/Q30/'Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$Z$26),'Premium and Reserve Risk'!$Z$26))","v":8.0000000000000016E-2},null,null,{"$f":"MAX(0%,IF(U30<>0,MIN((W30-U30)/U30/'Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$AC$26),'Premium and Reserve Risk'!$AC$26))","v":0.09}]
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[]
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[]
[null,3,{"$f":"RIGHT(OFFSET($B$8,B235-1,0),LEN(OFFSET($B$8,B235-1,0))-5)","v":" Marine, Aviation & Transport (MAT) & 15 Prop. Reins."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premium Standard Deviation",null,null,"Reserve Standard Deviation"]
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[]
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[]
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[]
[null,6,{"$f":"RIGHT(OFFSET($B$8,B550-1,0),LEN(OFFSET($B$8,B550-1,0))-5)","v":" Credit & Suretyship & 18 Prop. Reins."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premium Standard Deviation",null,null,"Reserve Standard Deviation"]
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[]
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[]
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[]
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[]
[null,26,{"$f":"RIGHT(OFFSET($B$8,B1075-16,0),LEN(OFFSET($B$8,B1075-16,0))-5)","v":"Non-prop. reinsurance - MAT"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premium Standard Deviation",null,null,"Reserve Standard Deviation"]
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[]
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{"sheet":"Geographical Diversification","index":14,"n_rows":65,"n_cols":44,"rows_kept":65,"cut":false,"hidden":false,"merged":[[70,3,77,16]]}
["Geographical Diversification"]
[]
[null,"If no data is inputted here for a line of business, no benefit from geographical diversification will be applied."]
[]
[null,"Premium and Reserve Risk"]
[]
[null,"Premium Volume Measure*",null,null,null,"Total",null,"          1         *",null,"          2         *",null,"          3         *",null,"          4         *",null,"          5         *",null,"          6         *",null,"          7         *",null,"          8         *",null,"          9         *",null,"         10        *",null,"         11        *",null,"         12        *",null,"         13        *",null,"         14        *",null,"         15        *",null,"         16        *",null,"         17        *",null,"         18        *",null,"         19        *"]
[]
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[]
[null,"Reserve Volume Measure*",null,null,null,"Total"]
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[]
[null,"Geographical Diversification Benefit",null,null,null,null,null,"          1         *",null,"          2         *",null,"          3         *",null,"          4         *",null,"          5         *",null,"          6         *",null,"          7         *",null,"          8         *",null,"          9         *",null,"         10        *",null,"         11        *",null,"         12        *",null,"         13        *",null,"         14        *",null,"         15        *",null,"         16        *",null,"         17        *",null,"         18        *",null,"         19        *"]
[]
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[null,"LOB 3, 15",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 4, 16",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 5, 17",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 6, 18",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 7, 19",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 8, 20",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 9, 21",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 25",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 26",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 27",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[]
[]
[]
[null,"Non-Life Catastrophe Risk"]
[]
[null,"Natural Catastrophe Risk *",null,"Geographical Diversification Benefit",null,"Total Premium",null,"          1         *",null,"          2         *",null,"          3         *",null,"          4         *",null,"          5         *",null,"          6         *",null,"          7         *",null,"          8         *",null,"          9         *",null,"         10        *",null,"         11        *",null,"         12        *",null,"         13        *",null,"         14        *",null,"         15        *",null,"         16        *",null,"         17        *",null,"         18        *",null,"         19        *"]
[]
[null,"Premiumwindstorm","*",{"$f":"IF(OR(F58=0,SUM(H58:AR58)=0),1,SUMSQ(H58:AR58)/(F58^2))","v":1},null,{"$f":"SUM(H58:AR58)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"Premiumearthquake","*",{"$f":"IF(OR(F59=0,SUM(H59:AR59)=0),1,SUMSQ(H59:AR59)/(F59^2))","v":1},null,{"$f":"SUM(H59:AR59)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"Premiumflood","*",{"$f":"IF(OR(F60=0,SUM(H60:AR60)=0),1,SUMSQ(H60:AR60)/(F60^2))","v":1},null,{"$f":"SUM(H60:AR60)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"Premiumhail","*",{"$f":"IF(OR(F61=0,SUM(H61:AR61)=0),1,SUMSQ(H61:AR61)/(F61^2))","v":1},null,{"$f":"SUM(H61:AR61)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[]
[null,"Non-proportional property risk*",null,"Geographical Diversification Benefit",null,"Total Premium",null,"          1         *",null,"          2         *",null,"          3         *",null,"          4         *",null,"          5         *",null,"          6         *",null,"          7         *",null,"          8         *",null,"          9         *",null,"         10        *",null,"         11        *",null,"         12        *",null,"         13        *",null,"         14        *",null,"         15        *",null,"         16        *",null,"         17        *",null,"         18        *",null,"         19        *"]
[]
[null,"Premiumnpproperty","*",{"$f":"IF(OR(F65=0,SUM(H65:AR65)=0),1,SUMSQ(H65:AR65)/(F65^2))","v":1},null,{"$f":"SUM(H65:AR65)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]

{"sheet":"Lapse Risk","index":15,"n_rows":533,"n_cols":17,"rows_kept":533,"cut":false,"hidden":false,"merged":[[2,0,2,16]]}
["Lapse Risk"]
[]
["Lapse risk is the risk of an adverse impact on an insurer's own-funds should a policy lapse.  This may be the case if the insurer has to return any profit element to the insured that is has already anticipated in its own-funds (i.e. anticipated profits related to unearned exposures), or if there is a considerable administrative expense associated with the lapse that is absorbed by the insurer. "]
[]
[null,"Lapse Risk",null,null,null,"Profitable Grouping  *",null,"Line of Business",null,"Pipeline Premiums  *",null,"Ultimate Loss Ratio  *",null,"Claims Expense Ratio  *",null,null,"Lapse Risk SCR"]
[]
[null,{"$f":"Type_of_business&\" year Shock\"","v":"1in200 year Shock"},null,null,null,null,null,null,null,"'000",null,"%",null,"%"]
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[]
[null,{"$f":"\"Lapse Up \"&Lapse_stress","v":"Lapse Up 0.4"},null,"Total Lapse Risk SCR",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Q9:Q98)","v":0}]
[]
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[null,"Y"]
[null,"N"]

{"sheet":"Catastrophe Risk","index":16,"n_rows":83,"n_cols":21,"rows_kept":83,"cut":false,"hidden":false,"merged":[[5,1,6,2],[72,1,73,2],[19,1,20,2],[27,1,28,2],[5,4,5,12],[19,4,19,12],[72,4,72,12]]}
["Catastrophe Risk"]
[]
[]
[]
[]
[null,"Natural Catastrophe Risk"]
[null,null,null,null,"Premium*",null,"       Sum Insured*",null,"Geographical                     Diversification",null,"Capital Factor",null,"  SCR before aggregate cap",null,"Aggregate Impact *",null,"  SCR after aggregate cap",null,"RM Impact *",null,"Natural Catastrophe Risk SCR"]
[null,null,null,null,"'000",null,"'000",null,null,null,null,null,null,null,"'000",null,null,null,"'000"]
[]
[null,"Catwindstorm",null,null,0,null,null,null,{"$f":"'Geographical Diversification'!D58","v":1},null,{"$f":"Cat_Wind_200","v":1.75},null,{"$f":"K10*(0.5*I10+0.5)*E10","v":0},null,0,null,{"$f":"M10+O10","v":0},null,0,null,{"$f":"Q10-S10","v":0}]
[null,"Catearthquake",null,null,0,null,null,null,{"$f":"'Geographical Diversification'!D59","v":1},null,{"$f":"CAT_Earth_200","v":1.2},null,{"$f":"K11*(0.5*I11+0.5)*E11","v":0},null,0,null,{"$f":"M11+O11","v":0},null,0,null,{"$f":"Q11-S11","v":0}]
[null,"Catflood",null,null,0,null,null,null,{"$f":"'Geographical Diversification'!D60","v":1},null,{"$f":"CAT_Flood_200","v":1.1000000000000001},null,{"$f":"K12*(0.5*I12+0.5)*E12","v":0},null,0,null,0,null,0,null,{"$f":"Q12-S12","v":0}]
[null,"Cathail",null,null,0,null,null,null,{"$f":"'Geographical Diversification'!D61","v":1},null,{"$f":"CAT_Hail_200","v":0.3},null,{"$f":"K13*(0.5*I13+0.5)*E13","v":0},null,0,null,0,null,0,null,{"$f":"Q13-S13","v":0}]
[null,"Catsubsidence",null,null,null,null,0,null,null,null,{"$f":"CAT_Sub_200","v":5.0000000000000001E-4},null,{"$f":"K14*G14","v":0},null,0,null,0,null,0,null,{"$f":"Q14-S14","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SQRT(SUMSQ(U10:U14))","v":0}]
[]
[]
[]
[null,"Cat. Risk of Non-Prop. Reinsurance"]
[null,null,null,null,"Premium*",null,null,null,"Geographical                     Diversification",null,"Capital Factor",null,"  SCR before aggregate cap",null,"Aggregate Impact *",null,"  SCR after aggregate cap",null,"RM Impact *",null,"Non-Prop Catastrophe Risk SCR"]
[null,null,null,null,"'000",null,null,null,null,null,null,null,null,null,"'000",null,null,null,"'000"]
[]
[null,"CATnpproperty",null,null,0,null,null,null,{"$f":"'Geographical Diversification'!D65","v":1},null,{"$f":"CAT_NPP_200","v":2.5},null,{"$f":"K24*(0.5*I24+0.5)*E24","v":0},null,0,null,{"$f":"M24+O24","v":0},null,0,null,{"$f":"Q24-S24","v":0}]
[]
[]
[]
[null,"Man-made Catastrophe Risk"]
[null,null,null,null,"'000",null,"'000",null,null,null,null,null,null,null,"'000",null,null,null,"'000"]
[]
[null,"Motor",null,null,"       Na      *",null,"       Nb      *",null,null,null,"Capital Factor",null,"  SCR before aggregate cap",null,"Aggregate Impact *",null,"  SCR after aggregate cap",null,"RM Impact *",null,"Motor Risk SCR"]
[]
[null,"Catmotor",null,null,0,null,0,null,null,null,{"$f":"CAT_Motor_200","v":50},null,{"$f":"IF(AND(E33=0,G33=0),0,K33*MAX(120,SQRT(E33+0.95*MIN(20000,G33)+0.05*G33)))","v":0},null,0,null,{"$f":"M33+O33","v":0},null,0,null,{"$f":"Q33-S33","v":0}]
[]
[null,"Marine",null,null,"      maxSItanker *",null,"      maxSIplatform      *",null,null,null,"Capital Factor",null,"  SCR before aggregate cap",null,"Aggregate Impact *",null,"  SCR after aggregate cap",null,"RM Impact *",null,"Marine Risk SCR"]
[]
[null,"CATMarinetanker",null,null,0,null,null,null,null,null,{"$f":"CAT_Tank_200","v":1},null,{"$f":"K37*E37","v":0},null,0,null,{"$f":"M37+O37","v":0},null,0,null,{"$f":"Q37-S37","v":0}]
[null,"CATMarineplatform",null,null,null,null,0,null,null,null,{"$f":"CAT_Plat_200","v":1},null,{"$f":"K38*G38","v":0},null,0,null,{"$f":"M38+O38","v":0},null,0,null,{"$f":"Q38-S38","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SQRT(SUMSQ(U37:U38))","v":0}]
[]
[null,"Aviation",null,null,"    maxSIaviation    *",null,null,null,null,null,"Capital Factor",null,"  SCR before aggregate cap",null,"Aggregate Impact *",null,"  SCR after aggregate cap",null,"RM Impact *",null,"Aviation Risk SCR"]
[]
[null,"Cataviation",null,null,0,null,null,null,null,null,{"$f":"CAT_Avia_200","v":1},null,{"$f":"K44*E44","v":0},null,0,null,{"$f":"M44+O44","v":0},null,0,null,{"$f":"Q44-S44","v":0}]
[]
[null,"Fire",null,null,"       maxSIfire        *",null,null,null,null,null,"Capital Factor",null,"  SCR before aggregate cap",null,"Aggregate Impact *",null,"  SCR after aggregate cap",null,"RM Impact *",null,"Fire Risk SCR"]
[]
[null,"Catfire",null,null,0,null,null,null,null,null,{"$f":"CAT_Fire_200","v":1},null,{"$f":"K48*E48","v":0},null,0,null,{"$f":"M48+O48","v":0},null,0,null,{"$f":"Q48-S48","v":0}]
[]
[null,"Liability",null,null,"Premium*",null,null,null,null,null,"Capital Factor",null,"  SCR before aggregate cap",null,"Aggregate Impact *",null,"  SCR after aggregate cap",null,"RM Impact *",null,"Liability Risk SCR"]
[]
[null,"CATLiab1",null,null,0,null,null,null,null,null,{"$f":"CAT_Liab1_200","v":1},null,{"$f":"K52*E52","v":0},null,0,null,{"$f":"M52+O52","v":0},null,0,null,{"$f":"Q52-S52","v":0}]
[null,"CATLiab2",null,null,0,null,null,null,null,null,{"$f":"CAT_Liab2_200","v":1.6},null,{"$f":"K53*E53","v":0},null,0,null,{"$f":"M53+O53","v":0},null,0,null,{"$f":"Q53-S53","v":0}]
[null,"CATLiab3",null,null,0,null,null,null,null,null,{"$f":"CAT_Liab3_200","v":1.6},null,{"$f":"K54*E54","v":0},null,0,null,{"$f":"M54+O54","v":0},null,0,null,{"$f":"Q54-S54","v":0}]
[null,"CATLiab4",null,null,0,null,null,null,null,null,{"$f":"CAT_Liab4_200","v":1},null,{"$f":"K55*E55","v":0},null,0,null,{"$f":"M55+O55","v":0},null,0,null,{"$f":"Q55-S55","v":0}]
[null,"CATLiab5",null,null,0,null,null,null,null,null,{"$f":"CAT_Liab5_200","v":2.1},null,{"$f":"K56*E56","v":0},null,0,null,{"$f":"M56+O56","v":0},null,0,null,{"$f":"Q56-S56","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(U52:U56),CorrLiab_10),U52:U56))","v":0}]
[]
[null,"Credit & Suretyship",null,null,"   maxL(default,1)  *",null,"   max(default,2)  *",null,"  P(recession) *",null,"Capital Factor",null,"  SCR before aggregate cap",null,"Aggregate Impact *",null,"  SCR after aggregate cap",null,"RM Impact *",null,"Credit and Suretyship Risk SCR"]
[]
[null,"CATCreditdefault",null,null,0,null,0,null,null,null,{"$f":"CAT_Def_200","v":1},null,{"$f":"K62*(E62+G62)","v":0},null,0,null,{"$f":"M62+O62","v":0},null,0,null,{"$f":"Q62-S62","v":0}]
[null,"CATCreditrecession",null,null,null,null,null,null,0,null,{"$f":"CAT_Rec_200","v":1},null,{"$f":"K63*I63","v":0},null,0,null,{"$f":"M63+O63","v":0},null,0,null,{"$f":"Q63-S63","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SQRT(SUMSQ(U62:U63))","v":0}]
[]
[null,"Total Man-made Catastrophe Risk"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SQRT(SUMSQ(U33,U40,U44,U48,U58,U65))","v":0}]
[]
[]
[]
[null,"Other NL Catastrophe Risk"]
[null,null,null,null,"Premium*",null,null,null,null,null,"Capital Factor",null,"  SCR before aggregate cap",null,"Aggregate Impact *",null,"  SCR after aggregate cap",null,"RM Impact *",null,"Other NL Catastrophe Risk SCR"]
[null,null,null,null,"'000",null,null,null,null,null,null,null,null,null,"'000",null,null,null,"'000"]
[]
[null,"CATOther1",null,null,0,null,null,null,null,null,{"$f":"CAT_Oth1_200","v":1},null,{"$f":"K77*E77","v":0},null,0,null,{"$f":"M77+O77","v":0},null,0,null,{"$f":"Q77-S77","v":0}]
[null,"CATOther2",null,null,0,null,null,null,null,null,{"$f":"CAT_Oth2_200","v":2.5},null,{"$f":"K78*E78","v":0},null,0,null,0,null,0,null,{"$f":"Q78-S78","v":0}]
[null,"CATOther3",null,null,0,null,null,null,null,null,{"$f":"CAT_Oth3_200","v":0.4},null,{"$f":"K79*E79","v":0},null,0,null,0,null,0,null,{"$f":"Q79-S79","v":0}]
[null,"CATOther4",null,null,0,null,null,null,null,null,{"$f":"CAT_Oth4_200","v":2.5},null,{"$f":"K80*E80","v":0},null,0,null,0,null,0,null,{"$f":"Q80-S80","v":0}]
[null,"CATOther5",null,null,0,null,null,null,null,null,{"$f":"CAT_Oth5_200","v":2.5},null,{"$f":"K81*E81","v":0},null,0,null,0,null,0,null,{"$f":"Q81-S81","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(U77:U81),CorrOther_10),U77:U81))","v":0}]

{"sheet":"Health Prem & Reserve Risk","index":17,"n_rows":435,"n_cols":29,"rows_kept":435,"cut":false,"hidden":false,"merged":[]}
["Health Prem & Reserve Risk"]
[]
[]
[]
[null,"Volume Measure            ",null,null,null,null,"  Existing Premium           (next 12 months) *",null,"Last Year Premium *",null," Existing Premium (not included in column G)  *",null,"   Future Premium (next 12 months) *",null,"   Future Premium (not included in column M) *",null,"    Premium Volume Measure",null,"Reserve Volume Measure",null,"Geographical Diversification Adjustment",null,"Combined Volume Measure",null,null,"Number of aggregate caps*"]
[null,null,null,null,null,null,"'000",null,"'000",null,"'000",null,"'000",null,"'000"]
[]
[null," 10  - Medical expense & 22 Prop. Reins.",null,null,null,null,0,null,0,null,0,null,0,null,0,null,{"$f":"MAX(G8,I8)+K8+M8+0.3*O8","v":0},null,{"$f":"SUM('RBS - Direct TPs'!F93,'RBS - Reins TPs'!F93,-'RBS - Direct TPs'!J93,-'RBS - Reins TPs'!J93)","v":0},null,{"$f":"'Health Geo Diversification'!D23","v":1},null,{"$f":"(Q8+S8)*(0.75+0.25*U8)","v":0},null,null,1]
[null," 11  - Income Protection & 23 Prop. Reins.",null,null,null,null,0,null,0,null,0,null,0,null,0,null,{"$f":"MAX(G9,I9)+K9+M9+0.3*O9","v":0},null,{"$f":"SUM('RBS - Direct TPs'!F102,'RBS - Reins TPs'!F102,-'RBS - Direct TPs'!J102,-'RBS - Reins TPs'!J102)","v":0},null,{"$f":"'Health Geo Diversification'!D24","v":1},null,{"$f":"(Q9+S9)*(0.75+0.25*U9)","v":0},null,null,1]
[null," 12  - Workers' compensation & 24 Prop. Reins.",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"SUM('RBS - Direct TPs'!F111,'RBS - Reins TPs'!F111,-'RBS - Direct TPs'!J111,-'RBS - Reins TPs'!J111)","v":0},null,{"$f":"'Health Geo Diversification'!D25","v":1},null,{"$f":"(Q10+S10)*(0.75+0.25*U10)","v":0},null,null,1]
[null," 28 - Non-prop. reinsurance - Health",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"'RBS - Reins TPs'!F147-'RBS - Reins TPs'!J147","v":0},null,{"$f":"'Health Geo Diversification'!D26","v":1},null,{"$f":"(Q11+S11)*(0.75+0.25*U11)","v":0},null,null,1]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(SUM(Q20:Q441)=0,\"\",IF(SUM(Q20:Q441)=SUM(Q8:Q11),\"\",\"CHECK: IF ALL CONTRACTS HAVE AGG CAPS THEN SUM OF PREMIUM VOLUME MEASURE IN ROWS 18-274 SHOULD EQUAL SUM OF PREMIUM VOLUME MEASURE IN ROWS 8-11\"))","v":""}]
[]
[null,null,"Aggregate caps",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(SUM(U20:U441)=0,\"\",IF(SUM(U20:U441)=SUM(S8:S11),\"\",\"CHECK: IF ALL CONTRACTS HAVE AGG CAPS THEN SUM OF CLAIMS RESERVES IN ROWS 18-274 SHOULD EQUAL SUM OF RESERVE VOLUME MEASURE IN ROWS 8-11\"))","v":""}]
[]
[null,1,{"$f":"RIGHT(OFFSET($B$8,B17-1,0),LEN(OFFSET($B$8,B17-1,0))-5)","v":"- Medical expense & 22 Prop. Reins."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Premium Standard Deviation",null,null,"Reserve Standard Deviation"]
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[null,null,null,null,null,{"$f":"IF(OFFSET($Z$8,B17-1,0)=0,1,0)","v":0}]
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[null,2,null,null,null,{"$f":"IF(B21<=OFFSET($Z$8,B$17-1,0),0,1)","v":1},null,null,null,null,null,null,null,null,null,null,{"$f":"MAX(G21,I21)+K21+M21+0.3*O21","v":0},null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(Q21<>0,MIN((S21-Q21)/Q21/'NSLT Health Risk'!$E$28,'Health Prem & Reserve Risk'!$Z$18),'Health Prem & Reserve Risk'!$Z$18))","v":0.05},null,null,{"$f":"MAX(0%,IF(U21<>0,MIN((W21-U21)/U21/'NSLT Health Risk'!$E$28,'Health Prem & Reserve Risk'!$AC$18),'Health Prem & Reserve Risk'!$AC$18))","v":0.05}]
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{"sheet":"Health Geo Diversification","index":18,"n_rows":26,"n_cols":44,"rows_kept":26,"cut":false,"hidden":false,"merged":[[30,3,37,16],[20,1,20,3]]}
["Health Geo Diversification"]
[]
[null,"If no data is inputted here for a line of business, no benefit from geographical diversification will be applied."]
[]
[null,"Premium and Reserve Risk"]
[]
[null,"Premium Volume Measure *",null,null,null,"Total",null,"          1         *",null,"          2         *",null,"          3         *",null,"          4         *",null,"          5         *",null,"          6         *",null,"          7         *",null,"          8         *",null,"          9         *",null,"         10        *",null,"         11        *",null,"         12        *",null,"         13        *",null,"         14        *",null,"         15        *",null,"         16        *",null,"         17        *",null,"         18        *",null,"         19        *"]
[]
[null,"LOB 10, 22",null,null,null,{"$f":"SUM(H9:AR9)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 11, 23",null,null,null,{"$f":"SUM(H10:AR10)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 12, 24",null,null,null,{"$f":"SUM(H11:AR11)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 28",null,null,null,{"$f":"SUM(H12:AR12)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[]
[null,"Reserve Volume Measure *",null,null,null,"Total",null,"          1         *",null,"          2         *",null,"          3         *",null,"          4         *",null,"          5         *",null,"          6         *",null,"          7         *",null,"          8         *",null,"          9         *",null,"         10        *",null,"         11        *",null,"         12        *",null,"         13        *",null,"         14        *",null,"         15        *",null,"         16        *",null,"         17        *",null,"         18        *",null,"         19        *"]
[]
[null,"LOB 10, 22",null,null,null,{"$f":"SUM(H16:AR16)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 11, 23",null,null,null,{"$f":"SUM(H17:AR17)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 12, 24",null,null,null,{"$f":"SUM(H18:AR18)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"LOB 28",null,null,null,{"$f":"SUM(H19:AR19)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[]
[null,"Geographical Diversification",null,null,null,null,null,"          1         *",null,"          2         *",null,"          3         *",null,"          4         *",null,"          5         *",null,"          6         *",null,"          7         *",null,"          8         *",null,"          9         *",null,"         10        *",null,"         11        *",null,"         12        *",null,"         13        *",null,"         14        *",null,"         15        *",null,"         16        *",null,"         17        *",null,"         18        *",null,"         19        *"]
[]
[null,"LOB 10, 22",null,{"$f":"IF(OR(F9+F16=0,SUM(H23:AR23)=0),1,SUM(H23:AR23)/((F9+F16)^2))","v":1},null,null,null,{"$f":"(H9+H16)^2","v":0},null,{"$f":"(J9+J16)^2","v":0},null,{"$f":"(L9+L16)^2","v":0},null,{"$f":"(N9+N16)^2","v":0},null,{"$f":"(P9+P16)^2","v":0},null,{"$f":"(R9+R16)^2","v":0},null,{"$f":"(T9+T16)^2","v":0},null,{"$f":"(V9+V16)^2","v":0},null,{"$f":"(X9+X16)^2","v":0},null,{"$f":"(Z9+Z16)^2","v":0},null,{"$f":"(AB9+AB16)^2","v":0},null,{"$f":"(AD9+AD16)^2","v":0},null,{"$f":"(AF9+AF16)^2","v":0},null,{"$f":"(AH9+AH16)^2","v":0},null,{"$f":"(AJ9+AJ16)^2","v":0},null,{"$f":"(AL9+AL16)^2","v":0},null,{"$f":"(AN9+AN16)^2","v":0},null,{"$f":"(AP9+AP16)^2","v":0},null,{"$f":"(AR9+AR16)^2","v":0}]
[null,"LOB 11, 23",null,{"$f":"IF(OR(F10+F17=0,SUM(H24:AR24)=0),1,SUM(H24:AR24)/((F10+F17)^2))","v":1},null,null,null,{"$f":"(H10+H17)^2","v":0},null,{"$f":"(J10+J17)^2","v":0},null,{"$f":"(L10+L17)^2","v":0},null,{"$f":"(N10+N17)^2","v":0},null,{"$f":"(P10+P17)^2","v":0},null,{"$f":"(R10+R17)^2","v":0},null,{"$f":"(T10+T17)^2","v":0},null,{"$f":"(V10+V17)^2","v":0},null,{"$f":"(X10+X17)^2","v":0},null,{"$f":"(Z10+Z17)^2","v":0},null,{"$f":"(AB10+AB17)^2","v":0},null,{"$f":"(AD10+AD17)^2","v":0},null,{"$f":"(AF10+AF17)^2","v":0},null,{"$f":"(AH10+AH17)^2","v":0},null,{"$f":"(AJ10+AJ17)^2","v":0},null,{"$f":"(AL10+AL17)^2","v":0},null,{"$f":"(AN10+AN17)^2","v":0},null,{"$f":"(AP10+AP17)^2","v":0},null,{"$f":"(AR10+AR17)^2","v":0}]
[null,"LOB 12, 24",null,{"$f":"IF(OR(F11+F18=0,SUM(H25:AR25)=0),1,SUM(H25:AR25)/((F11+F18)^2))","v":1},null,null,null,{"$f":"(H11+H18)^2","v":0},null,{"$f":"(J11+J18)^2","v":0},null,{"$f":"(L11+L18)^2","v":0},null,{"$f":"(N11+N18)^2","v":0},null,{"$f":"(P11+P18)^2","v":0},null,{"$f":"(R11+R18)^2","v":0},null,{"$f":"(T11+T18)^2","v":0},null,{"$f":"(V11+V18)^2","v":0},null,{"$f":"(X11+X18)^2","v":0},null,{"$f":"(Z11+Z18)^2","v":0},null,{"$f":"(AB11+AB18)^2","v":0},null,{"$f":"(AD11+AD18)^2","v":0},null,{"$f":"(AF11+AF18)^2","v":0},null,{"$f":"(AH11+AH18)^2","v":0},null,{"$f":"(AJ11+AJ18)^2","v":0},null,{"$f":"(AL11+AL18)^2","v":0},null,{"$f":"(AN11+AN18)^2","v":0},null,{"$f":"(AP11+AP18)^2","v":0},null,{"$f":"(AR11+AR18)^2","v":0}]
[null,"LOB 28",null,{"$f":"IF(OR(F12+F19=0,SUM(H26:AR26)=0),1,SUM(H26:AR26)/((F12+F19)^2))","v":1},null,null,null,{"$f":"(H12+H19)^2","v":0},null,{"$f":"(J12+J19)^2","v":0},null,{"$f":"(L12+L19)^2","v":0},null,{"$f":"(N12+N19)^2","v":0},null,{"$f":"(P12+P19)^2","v":0},null,{"$f":"(R12+R19)^2","v":0},null,{"$f":"(T12+T19)^2","v":0},null,{"$f":"(V12+V19)^2","v":0},null,{"$f":"(X12+X19)^2","v":0},null,{"$f":"(Z12+Z19)^2","v":0},null,{"$f":"(AB12+AB19)^2","v":0},null,{"$f":"(AD12+AD19)^2","v":0},null,{"$f":"(AF12+AF19)^2","v":0},null,{"$f":"(AH12+AH19)^2","v":0},null,{"$f":"(AJ12+AJ19)^2","v":0},null,{"$f":"(AL12+AL19)^2","v":0},null,{"$f":"(AN12+AN19)^2","v":0},null,{"$f":"(AP12+AP19)^2","v":0},null,{"$f":"(AR12+AR19)^2","v":0}]

{"sheet":"Health Lapse Risk","index":19,"n_rows":508,"n_cols":17,"rows_kept":508,"cut":false,"hidden":false,"merged":[[2,0,2,16]]}
["Health Lapse Risk"]
[]
["Health lapse risk is the risk of an adverse impact on an insurer's own-funds should a policy lapse.  This may be the case if the insurer has to return any profit element to the insured that is has already anticipated in its own-funds (i.e. anticipated profits related to unearned exposures), or if there is a considerable administrative expense associated with the lapse that is absorbed by the insurer. "]
[]
[null,"Health Lapse Risk",null,null,null,"Profitable Grouping  *",null,"Line of Business",null,"Pipeline Premiums  *",null,"Ultimate Loss Ratio  *",null,"Claims Expense Ratio  *",null,null,"Lapse Risk SCR"]
[]
[null,{"$f":"Type_of_business&\" year Shock\"","v":"1in200 year Shock"},null,null,null,null,null,null,null,"'000",null,"%",null,"%"]
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[]
[null,{"$f":"\"Health Lapse Up \"&Lapse_stress","v":"Health Lapse Up 0.4"},null,"Total Lapse Risk SCR",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Q9:Q68)","v":0}]
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[null,"Y"]
[null,"N"]

{"sheet":"Health Catastrophe Risk","index":20,"n_rows":102,"n_cols":49,"rows_kept":102,"cut":false,"hidden":false,"merged":[[14,51,16,51],[15,5,15,13],[15,30,15,38],[14,2,16,3],[14,5,14,13],[14,28,14,38]]}
["Health Catastrophe Risk"]
[]
[]
[]
[]
[null,null,null,null,null,"Pandemic risk  *"]
[]
[null,null,null,null,null,"Income protection exposure *",null,"Capital Factor",null,"SCR before aggregate cap",null,"Impact of aggregate caps *",null,"SCR after aggregate cap",null,"Impact of risk mitigation *",null,"Pandemic risk SCR"]
[null,null,null,null,null,"'000",null,null,null,null,null,"'000",null,null,null,"'000"]
[]
[null,null,null,null,null,0,null,{"$f":"CAT_Pan_Inc_200","v":7.4999999999999993E-5},null,{"$f":"F11*H11","v":0},null,0,null,{"$f":"L11+J11","v":0},null,0,null,{"$f":"N11-P11","v":0}]
[]
[]
[]
[null,null,"Country ",null,null,"Health Mass Accident Risk *",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Accident concentration risk  *"]
[null,null,null,null,null,"--------------------------- Sums insured ------------------------",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"------------- Sums insured in largest concentration ------------"]
[null,null,null,null,null,"Death  *",null,"Permanent disability  *",null,"10 year disability  *",null,"12 month disabiilty  *",null,"Medical treatment  *",null,"Capital Factor",null,"SCR before aggregate cap by country",null,"Impact of aggregate caps *",null,"SCR after aggregate cap by country",null,"Impact of risk mitigation *",null,"Health Mass Accident Risk SCR by country",null,null,"Largest concentration *",null,"Death  *",null,"Permanent disability  *",null,"10 year disability  *",null,"12 month disabiilty  *",null,"Medical treatment  *",null,"SCR before aggregate cap by country",null,"Impact of aggregate caps *",null,"SCR after aggregate cap by country",null,"Impact of risk mitigation *",null," Accident Concentration Risk SCR by country"]
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[]
[null,null,"Austria",null,null,0,null,0,null,0,null,0,null,0,null,3.0000000000000001E-3,null,{"$f":"SUMPRODUCT(F20:N20,$F$99:$N$99)*P20","v":0},null,0,null,{"$f":"T20+R20","v":0},null,0,null,{"$f":"V20-X20","v":0},null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"SUMPRODUCT(AE20:AM20,$AE$99:$AM$99)","v":0},null,0,null,{"$f":"AQ20+AO20","v":0},null,0,null,{"$f":"AS20-AU20","v":0}]
[null,null,"Belgium",null,null,0,null,0,null,0,null,0,null,0,null,2.5000000000000001E-3,null,{"$f":"SUMPRODUCT(F21:N21,$F$99:$N$99)*P21","v":0},null,0,null,{"$f":"T21+R21","v":0},null,0,null,{"$f":"V21-X21","v":0},null,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"SUMPRODUCT(AE21:AM21,$AE$99:$AM$99)","v":0},null,0,null,{"$f":"AQ21+AO21","v":0},null,0,null,{"$f":"AS21-AU21","v":0}]
[null,null,"Bulgaria",null,null,0,null,0,null,0,null,0,null,0,null,3.0000000000000001E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Croatia",null,null,0,null,0,null,0,null,0,null,0,null,4.0000000000000001E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Cyprus",null,null,0,null,0,null,0,null,0,null,0,null,1.2999999999999999E-2,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Czech Republic",null,null,0,null,0,null,0,null,0,null,0,null,1E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Denmark",null,null,0,null,0,null,0,null,0,null,0,null,3.5000000000000001E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Estonia",null,null,0,null,0,null,0,null,0,null,0,null,4.4999999999999997E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Finland",null,null,0,null,0,null,0,null,0,null,0,null,3.5000000000000001E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"France",null,null,0,null,0,null,0,null,0,null,0,null,5.0000000000000001E-4,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Germany",null,null,0,null,0,null,0,null,0,null,0,null,5.0000000000000001E-4,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Greece",null,null,0,null,0,null,0,null,0,null,0,null,3.0000000000000001E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Hungary",null,null,0,null,0,null,0,null,0,null,0,null,1.5E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Iceland",null,null,0,null,0,null,0,null,0,null,0,null,2.4500000000000001E-2,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Ireland",null,null,0,null,0,null,0,null,0,null,0,null,9.4999999999999998E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Italy",null,null,0,null,0,null,0,null,0,null,0,null,5.0000000000000001E-4,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Latvia",null,null,0,null,0,null,0,null,0,null,0,null,2E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Lithuania",null,null,0,null,0,null,0,null,0,null,0,null,2E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Luxembourg",null,null,0,null,0,null,0,null,0,null,0,null,1.0500000000000001E-2,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Malta",null,null,0,null,0,null,0,null,0,null,0,null,2.1499999999999998E-2,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Netherlands",null,null,0,null,0,null,0,null,0,null,0,null,1.5E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Norway",null,null,0,null,0,null,0,null,0,null,0,null,2.5000000000000001E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Poland",null,null,0,null,0,null,0,null,0,null,0,null,1E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Portugal",null,null,0,null,0,null,0,null,0,null,0,null,3.0000000000000001E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Romania",null,null,0,null,0,null,0,null,0,null,0,null,1.5E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Slovak Republic",null,null,0,null,0,null,0,null,0,null,0,null,3.0000000000000001E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Slovenia",null,null,0,null,0,null,0,null,0,null,0,null,4.0000000000000001E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Spain",null,null,0,null,0,null,0,null,0,null,0,null,1E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Sweden",null,null,0,null,0,null,0,null,0,null,0,null,2.5000000000000001E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"Switzerland",null,null,0,null,0,null,0,null,0,null,0,null,2.5000000000000001E-3,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,null,"United Kingdom",null,null,0,null,0,null,0,null,0,null,0,null,5.0000000000000001E-4,null,0,null,0,null,0,null,0,null,0,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
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[]
[null,null,"Capital Factor",null,null,{"$f":"CAT_MA_Death_200","v":0.1},null,{"$f":"CAT_MA_PD_200","v":1.4999999999999999E-2},null,{"$f":"CAT_MA_10Y_200","v":0.05},null,{"$f":"CAT_MA_12M_200","v":0.13500000000000001},null,{"$f":"CAT_MA_Med_200","v":0.3},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Capital Factor",null,{"$f":"CAT_MA_Death_200","v":0.1},null,{"$f":"CAT_MA_PD_200","v":1.4999999999999999E-2},null,{"$f":"CAT_MA_10Y_200","v":0.05},null,{"$f":"CAT_MA_12M_200","v":0.13500000000000001},null,{"$f":"CAT_MA_Med_200","v":0.3}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Health Mass Accident Risk SCR",null,{"$f":"SQRT(SUMSQ(Z20:Z97))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Accident Concentration Risk SCR",null,{"$f":"SQRT(SUMSQ(AW20:AW97))","v":0}]

{"sheet":"Market Risk","index":21,"n_rows":105,"n_cols":14,"rows_kept":105,"cut":false,"hidden":false,"merged":[[32,7,33,7],[32,1,33,1],[32,3,33,3],[32,4,33,4],[32,5,33,5],[32,6,33,6],[43,1,44,1],[43,3,44,3],[43,4,44,4],[43,5,44,5],[43,6,44,6],[43,14,44,14],[32,8,33,8],[32,9,33,9],[32,10,33,10],[32,11,32,13],[32,14,33,14],[43,7,44,7],[43,8,44,8],[43,9,44,9],[43,10,44,10],[43,11,43,13]]}
["Market Risk"]
[]
[]
[]
[null,"Market Risk",null,null,{"$f":"Type_of_business","v":"1in200"}]
[null,null,null,null,"'000"]
[]
[null,"Interest Rate Risk SCR",null,null,{"$f":"E29","v":0}]
[null,"Equity Risk SCR",null,null,{"$f":"N40","v":0}]
[null,"Property Risk SCR",null,null,{"$f":"N48","v":0}]
[null,"Currency Risk SCR",null,null,{"$f":"INDIRECT(\"Mkt_FX\"&IF(Currency_simplification=\"N\",\"\",\"_Simplification\"),1)","v":0}]
[null,"Spread Risk SCR",null,null,{"$f":"INDIRECT(\"Mkt_Spread\"&IF(Credit_Spread_Simplification=\"N\",\"\",\"_Simplification\"),1)","v":0}]
[null,"Market Concentration Risk SCR",null,null,{"$f":"E105","v":0}]
[]
[null,"SCR before diversification",null,null,{"$f":"SUM(E8:E13)","v":0}]
[]
[null,"Diversification",null,null,{"$f":"E19-E15","v":0}]
[]
[null,"Market Risk SCR",null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(E8:E13),MarketCorr_200),E8:E13))","v":0}]
[]
[]
[]
[null,"Interest Rate Risk",null,null,{"$f":"Type_of_business","v":"1in200"}]
[null,null,null,null,"'000"]
[]
[null,"Interest rate risk upward stress",null,null,{"$f":"'Market Risk Inputs'!K13","v":0}]
[null,"Interest rate risk downward stress",null,null,{"$f":"'Market Risk Inputs'!K14","v":0}]
[]
[null,"Interest Rate Risk SCR",null,null,{"$f":"MAX(0,E26:E27)","v":0}]
[]
[]
[]
[null,"Equity Risk",null,null,"Assets",null,"Liabilities",null,"Own Funds",null,null,{"$f":"Type_of_business&\" year shock\"","v":"1in200 year shock"}]
[null,null,null,null,null,null,null,null,null,null,null,"Capital Factor",null,"SCR"]
[null,null,null,null,"'000",null,null,null,"'000",null,null,null,null,"'000"]
[]
[null,"Type 1 equity stress",null,null,{"$f":"'RBS - Assets'!F20","v":0},null,0,null,{"$f":"ABS($E37-$G37)","v":0},null,null,{"$f":"Type1_Equity_stress","v":0.39},null,{"$f":"$I37*L37","v":0}]
[null,"Type 2 equity stress",null,null,{"$f":"'RBS - Assets'!F21+'RBS - Assets'!F66","v":0},null,0,null,{"$f":"ABS($E38-$G38)","v":0},null,null,{"$f":"Type2_Equity_stress","v":0.49},null,{"$f":"$I38*L38","v":0}]
[]
[null,"Equity Risk SCR",null,null,null,null,null,null,null,null,null,null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(N$37:N$38),EqCorr),N$37:N$38))","v":0}]
[]
[]
[]
[null,"Property Risk",null,null,"Assets",null,"Liabilities",null,"Own Funds",null,null,{"$f":"Type_of_business&\" year shock\"","v":"1in200 year shock"}]
[null,null,null,null,null,null,null,null,null,null,null,"Capital Factor",null,"SCR"]
[null,null,null,null,"'000",null,null,null,"'000",null,null,null,null,"'000"]
[]
[null,"Marketproperty",null,null,{"$f":"'RBS - Assets'!F18","v":0},null,0,null,{"$f":"ABS($E48-$G48)","v":0},null,null,{"$f":"Property_Stress","v":0.25},null,{"$f":"$I48*L48","v":0}]
[]
[]
[]
[null,"Currency simplification to be used?"]
[]
[null,"Currency",null,null,"N"]
[]
[]
[]
[null,"Currency Risk",null,null,{"$f":"Type_of_business","v":"1in200"}]
[]
[null,"Currency group 1",null,null,{"$f":"'Market Risk Inputs'!M22","v":0}]
[null,"Currency group 2",null,null,{"$f":"'Market Risk Inputs'!M23","v":0}]
[null,"Currency group 3",null,null,{"$f":"'Market Risk Inputs'!M24","v":0}]
[null,"Currency group 4",null,null,{"$f":"'Market Risk Inputs'!M25","v":0}]
[null,"Currency group 5",null,null,{"$f":"'Market Risk Inputs'!M26","v":0}]
[null,"Currency group 6",null,null,{"$f":"'Market Risk Inputs'!M27","v":0}]
[null,"Currency group 7",null,null,{"$f":"'Market Risk Inputs'!M28","v":0}]
[null,"Currency group 8",null,null,{"$f":"'Market Risk Inputs'!M29","v":0}]
[null,"Currency group 9",null,null,{"$f":"'Market Risk Inputs'!M30","v":0}]
[null,"Currency group 10",null,null,{"$f":"'Market Risk Inputs'!M31","v":0}]
[null,"Currency group 11",null,null,{"$f":"'Market Risk Inputs'!M32","v":0}]
[null,"Currency group 12",null,null,{"$f":"'Market Risk Inputs'!M33","v":0}]
[null,"Currency group 13",null,null,{"$f":"'Market Risk Inputs'!M34","v":0}]
[null,"Currency group 14",null,null,{"$f":"'Market Risk Inputs'!M35","v":0}]
[null,"Currency group 15",null,null,{"$f":"'Market Risk Inputs'!M36","v":0}]
[]
[null,"Currency Risk SCR",null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(E$60:E$74),CurrencyCorr),E$60:E$74))","v":0}]
[]
[null,"Currency Risk Simplification",null,null,{"$f":"Type_of_business","v":"1in200"}]
[]
[null,"Currency Risk SCR",null,null,{"$f":"'Market Risk Inputs'!M40","v":0}]
[]
[]
[]
[null,"Credit Spread simplification to be used?"]
[]
[null,null,null,null,"N"]
[]
[]
[]
[null,"Credit Spread Risk simplification",null,null,{"$f":"Type_of_business","v":"1in200"}]
[null,null,null,null,"'000"]
[]
[null,"Spread Risk SCR",null,null,{"$f":"-'Spread Risk'!I50","v":0}]
[]
[null,"Credit Spread Risk",null,null,{"$f":"Type_of_business","v":"1in200"}]
[null,null,null,null,"'000"]
[]
[null,"Spread Risk SCR",null,null,{"$f":"'Spread Risk'!E14","v":0}]
[]
[]
[]
[null,"Concentration Risk",null,null,{"$f":"Type_of_business","v":"1in200"}]
[null,null,null,null,"'000"]
[]
[null,"Market Concentration Risk SCR",null,null,{"$f":"'Market Risk Inputs'!D50","v":0}]

{"sheet":"Underwriting Risk","index":22,"n_rows":105,"n_cols":15,"rows_kept":105,"cut":false,"hidden":false,"merged":[[86,4,86,6]]}
["Underwriting Risk"]
[]
[]
[]
[null,"Non-Life Underwriting Risk",null,null,"'000"]
[]
[null,"Premium and Reserve Risk SCR",null,null,{"$f":"NL_PR","v":0}]
[null,"Lapse Risk SCR",null,null,{"$f":"NL_Lapse","v":0}]
[null,"Catastrophe Risk SCR",null,null,{"$f":"NL_CAT","v":0}]
[]
[null,"Capital Requirement (before diversifcation benefit)",null,null,{"$f":"SUM(E7:E9)","v":0}]
[]
[null,"Diversification benefit",null,null,{"$f":"E15-E11","v":0}]
[]
[null,"Underwriting Risk SCR before stop loss",null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(E7:E9),NLCorr),E7:E9))","v":0}]
[]
[null,"Maximum exposure under stop loss agreement",null,null,0]
[]
[null,"Underwriting Risk SCR ",null,null,{"$f":"IF(E17<>0,MIN(E17,SCR_Non_Life),SCR_Non_Life)","v":0}]
[]
[]
[]
[null,"Premium and Reserve Risk",null,null,"'000"]
[]
[null,"Combined Volume Measure",null,null,{"$f":"'Underwriting Risk'!G104","v":0}]
[null,"Combined Standard Deviation",null,null,{"$f":"'Underwriting Risk'!G105","v":0}]
[null,"Capital Factor",null,null,{"$f":"P_and_R_Risk_Theta_factor","v":3}]
[]
[null,"Premium and Reserve Risk SCR",null,null,{"$f":"E$25*E$26*E$27","v":0}]
[]
[]
[]
[null,"Lapse Risk",null,null,"'000"]
[]
[]
[null,"Lapse risk SCR",null,null,{"$f":"LAPSE_UP","v":0}]
[]
[]
[]
[null,"Non-Life Catastrophe Risk",null,null,"'000"]
[]
[null,"Natural Catastrophe Risk SCR",null,null,{"$f":"NLCAT_natural_Total_200","v":0}]
[null,"No-Proportional Property Risk SCR",null,null,{"$f":"NLCAT_npproperty_Total_200","v":0}]
[null,"Man-made Catastrophe Risk SCR",null,null,{"$f":"NLCAT_manmade_Total_200","v":0}]
[null,"Other Catatrophe Risk SCR",null,null,{"$f":"NLCAT_other_Total_200","v":0}]
[]
[null,"Catastrophe Risk SCR",null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(E42:E45),CorrCAT),E42:E45))","v":0}]
[]
[]
[]
[]
[]
[null,"Standard Deviation                                         ",null,null,null,null,null,null,null,null,"Premium Risk Standard Deviation Factor",null,"Reserve Risk Standard Deviation Factor"]
[]
[null," 1  - Motor Vehicle Liability & Prop. Reins.",null,null,null,null,null,null,null,null,8.0000000000000016E-2,null,0.09]
[null," 2  - Other Motor & Prop. Reins.",null,null,null,null,null,null,null,null,0.08,null,0.08]
[null," 3  - Marine, Aviation & Transport (MAT) & Prop. Reins.",null,null,null,null,null,null,null,null,0.15,null,0.11]
[null," 4  - Fire & Other Damage to Property & Prop. Reins.",null,null,null,null,null,null,null,null,6.4000000000000001E-2,null,0.1]
[null," 5  - General Liability & Prop. Reins.",null,null,null,null,null,null,null,null,0.11200000000000002,null,0.11]
[null," 6  - Credit & Suretyship & Prop. Reins.",null,null,null,null,null,null,null,null,0.12,null,0.19]
[null," 7  - Legal Expenses & Prop. Reins.",null,null,null,null,null,null,null,null,7.0000000000000007E-2,null,0.12]
[null," 8  - Assistance & Prop. Reins.",null,null,null,null,null,null,null,null,0.09,null,0.2]
[null," 9  - Miscellaneous Financial Loss & Prop. Reins.",null,null,null,null,null,null,null,null,0.13,null,0.2]
[null,"25 - Non-prop. reinsurance - Casualty",null,null,null,null,null,null,null,null,0.17,null,0.2]
[null,"26 - Non-prop. reinsurance - MAT",null,null,null,null,null,null,null,null,0.17,null,0.2]
[null,"27 - Non-prop. reinsurance - Property",null,null,null,null,null,null,null,null,0.17,null,0.2]
[]
[]
[]
[null,"Standard Deviation after aggregates ",null,null,null,null,null,null,null,null,"Premium Risk Standard Deviation Factor adjusted for aggregate cap",null,"Reserve Risk Standard Deviation Factor",null,"        Combined Standard Deviation"]
[]
[null," 1  - Motor Vehicle Liability & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q8<>0,(SUMPRODUCT(Agg_P_1,Agg_sP_1)+('Premium and Reserve Risk'!Q8-SUM(Agg_P_1))*'Underwriting Risk'!K55)/'Premium and Reserve Risk'!Q8,'Underwriting Risk'!K55)","v":8.0000000000000016E-2},null,{"$f":"IF('Premium and Reserve Risk'!S8<>0,(SUMPRODUCT(Agg_R_1,Agg_sR_1)+('Premium and Reserve Risk'!S8-SUM(Agg_R_1))*'Underwriting Risk'!M55)/'Premium and Reserve Risk'!S8,'Underwriting Risk'!M55)","v":0.09},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q8:S8)<>0,SQRT((K72*'Premium and Reserve Risk'!Q8)^2+(K72*'Premium and Reserve Risk'!Q8*M72*'Premium and Reserve Risk'!S8)+(M72*'Premium and Reserve Risk'!S8)^2)/('Premium and Reserve Risk'!Q8+'Premium and Reserve Risk'!S8),0)","v":0}]
[null," 2  - Other Motor & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q9<>0,(SUMPRODUCT(Agg_P_2,Agg_sP_2)+('Premium and Reserve Risk'!Q9-SUM(Agg_P_2))*'Underwriting Risk'!K56)/'Premium and Reserve Risk'!Q9,'Underwriting Risk'!K56)","v":0.08},null,{"$f":"IF('Premium and Reserve Risk'!S9<>0,(SUMPRODUCT(Agg_R_2,Agg_sR_2)+('Premium and Reserve Risk'!S9-SUM(Agg_R_2))*'Underwriting Risk'!M56)/'Premium and Reserve Risk'!S9,'Underwriting Risk'!M56)","v":0.08},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q9:S9)<>0,SQRT((K73*'Premium and Reserve Risk'!Q9)^2+(K73*'Premium and Reserve Risk'!Q9*M73*'Premium and Reserve Risk'!S9)+(M73*'Premium and Reserve Risk'!S9)^2)/('Premium and Reserve Risk'!Q9+'Premium and Reserve Risk'!S9),0)","v":0}]
[null," 3  - Marine, Aviation & Transport (MAT) & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q10<>0,(SUMPRODUCT(Agg_P_3,Agg_sP_3)+('Premium and Reserve Risk'!Q10-SUM(Agg_P_3))*'Underwriting Risk'!K57)/'Premium and Reserve Risk'!Q10,'Underwriting Risk'!K57)","v":0.15},null,{"$f":"IF('Premium and Reserve Risk'!S10<>0,(SUMPRODUCT(Agg_R_3,Agg_sR_3)+('Premium and Reserve Risk'!S10-SUM(Agg_R_3))*'Underwriting Risk'!M57)/'Premium and Reserve Risk'!S10,'Underwriting Risk'!M57)","v":0.11},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q10:S10)<>0,SQRT((K74*'Premium and Reserve Risk'!Q10)^2+(K74*'Premium and Reserve Risk'!Q10*M74*'Premium and Reserve Risk'!S10)+(M74*'Premium and Reserve Risk'!S10)^2)/('Premium and Reserve Risk'!Q10+'Premium and Reserve Risk'!S10),0)","v":0}]
[null," 4  - Fire & Other Damage to Property & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q11<>0,(SUMPRODUCT(Agg_P_4,Agg_sP_4)+('Premium and Reserve Risk'!Q11-SUM(Agg_P_4))*'Underwriting Risk'!K58)/'Premium and Reserve Risk'!Q11,'Underwriting Risk'!K58)","v":6.4000000000000001E-2},null,{"$f":"IF('Premium and Reserve Risk'!S11<>0,(SUMPRODUCT(Agg_R_4,Agg_sR_4)+('Premium and Reserve Risk'!S11-SUM(Agg_R_4))*'Underwriting Risk'!M58)/'Premium and Reserve Risk'!S11,'Underwriting Risk'!M58)","v":0.1},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q11:S11)<>0,SQRT((K75*'Premium and Reserve Risk'!Q11)^2+(K75*'Premium and Reserve Risk'!Q11*M75*'Premium and Reserve Risk'!S11)+(M75*'Premium and Reserve Risk'!S11)^2)/('Premium and Reserve Risk'!Q11+'Premium and Reserve Risk'!S11),0)","v":0}]
[null," 5  - General Liability & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q12<>0,(SUMPRODUCT(Agg_P_5,Agg_sP_5)+('Premium and Reserve Risk'!Q12-SUM(Agg_P_5))*'Underwriting Risk'!K59)/'Premium and Reserve Risk'!Q12,'Underwriting Risk'!K59)","v":0.11200000000000002},null,{"$f":"IF('Premium and Reserve Risk'!S12<>0,(SUMPRODUCT(Agg_R_5,Agg_sR_5)+('Premium and Reserve Risk'!S12-SUM(Agg_R_5))*'Underwriting Risk'!M59)/'Premium and Reserve Risk'!S12,'Underwriting Risk'!M59)","v":0.11},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q12:S12)<>0,SQRT((K76*'Premium and Reserve Risk'!Q12)^2+(K76*'Premium and Reserve Risk'!Q12*M76*'Premium and Reserve Risk'!S12)+(M76*'Premium and Reserve Risk'!S12)^2)/('Premium and Reserve Risk'!Q12+'Premium and Reserve Risk'!S12),0)","v":0}]
[null," 6  - Credit & Suretyship & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q13<>0,(SUMPRODUCT(Agg_P_6,Agg_sP_6)+('Premium and Reserve Risk'!Q13-SUM(Agg_P_6))*'Underwriting Risk'!K60)/'Premium and Reserve Risk'!Q13,'Underwriting Risk'!K60)","v":0.12},null,{"$f":"IF('Premium and Reserve Risk'!S13<>0,(SUMPRODUCT(Agg_R_6,Agg_sR_6)+('Premium and Reserve Risk'!S13-SUM(Agg_R_6))*'Underwriting Risk'!M60)/'Premium and Reserve Risk'!S13,'Underwriting Risk'!M60)","v":0.19},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q13:S13)<>0,SQRT((K77*'Premium and Reserve Risk'!Q13)^2+(K77*'Premium and Reserve Risk'!Q13*M77*'Premium and Reserve Risk'!S13)+(M77*'Premium and Reserve Risk'!S13)^2)/('Premium and Reserve Risk'!Q13+'Premium and Reserve Risk'!S13),0)","v":0}]
[null," 7  - Legal Expenses & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q14<>0,(SUMPRODUCT(Agg_P_7,Agg_sP_7)+('Premium and Reserve Risk'!Q14-SUM(Agg_P_7))*'Underwriting Risk'!K61)/'Premium and Reserve Risk'!Q14,'Underwriting Risk'!K61)","v":7.0000000000000007E-2},null,{"$f":"IF('Premium and Reserve Risk'!S14<>0,(SUMPRODUCT(Agg_R_7,Agg_sR_7)+('Premium and Reserve Risk'!S14-SUM(Agg_R_7))*'Underwriting Risk'!M61)/'Premium and Reserve Risk'!S14,'Underwriting Risk'!M61)","v":0.12},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q14:S14)<>0,SQRT((K78*'Premium and Reserve Risk'!Q14)^2+(K78*'Premium and Reserve Risk'!Q14*M78*'Premium and Reserve Risk'!S14)+(M78*'Premium and Reserve Risk'!S14)^2)/('Premium and Reserve Risk'!Q14+'Premium and Reserve Risk'!S14),0)","v":0}]
[null," 8  - Assistance & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q15<>0,(SUMPRODUCT(Agg_P_8,Agg_sP_8)+('Premium and Reserve Risk'!Q15-SUM(Agg_P_8))*'Underwriting Risk'!K62)/'Premium and Reserve Risk'!Q15,'Underwriting Risk'!K62)","v":0.09},null,{"$f":"IF('Premium and Reserve Risk'!S15<>0,(SUMPRODUCT(Agg_R_8,Agg_sR_8)+('Premium and Reserve Risk'!S15-SUM(Agg_R_8))*'Underwriting Risk'!M62)/'Premium and Reserve Risk'!S15,'Underwriting Risk'!M62)","v":0.2},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q15:S15)<>0,SQRT((K79*'Premium and Reserve Risk'!Q15)^2+(K79*'Premium and Reserve Risk'!Q15*M79*'Premium and Reserve Risk'!S15)+(M79*'Premium and Reserve Risk'!S15)^2)/('Premium and Reserve Risk'!Q15+'Premium and Reserve Risk'!S15),0)","v":0}]
[null," 9  - Miscellaneous Financial Loss & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q16<>0,(SUMPRODUCT(Agg_P_9,Agg_sP_9)+('Premium and Reserve Risk'!Q16-SUM(Agg_P_9))*'Underwriting Risk'!K63)/'Premium and Reserve Risk'!Q16,'Underwriting Risk'!K63)","v":0.13},null,{"$f":"IF('Premium and Reserve Risk'!S16<>0,(SUMPRODUCT(Agg_R_9,Agg_sR_9)+('Premium and Reserve Risk'!S16-SUM(Agg_R_9))*'Underwriting Risk'!M63)/'Premium and Reserve Risk'!S16,'Underwriting Risk'!M63)","v":0.2},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q16:S16)<>0,SQRT((K80*'Premium and Reserve Risk'!Q16)^2+(K80*'Premium and Reserve Risk'!Q16*M80*'Premium and Reserve Risk'!S16)+(M80*'Premium and Reserve Risk'!S16)^2)/('Premium and Reserve Risk'!Q16+'Premium and Reserve Risk'!S16),0)","v":0}]
[null,"25 - Non-prop. reinsurance - Casualty",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q17<>0,(SUMPRODUCT(Agg_P_19,Agg_sP_19)+('Premium and Reserve Risk'!Q17-SUM(Agg_P_19))*'Underwriting Risk'!K64)/'Premium and Reserve Risk'!Q17,'Underwriting Risk'!K64)","v":0.17},null,{"$f":"IF('Premium and Reserve Risk'!S17<>0,(SUMPRODUCT(Agg_R_19,Agg_sR_19)+('Premium and Reserve Risk'!S17-SUM(Agg_R_19))*'Underwriting Risk'!M64)/'Premium and Reserve Risk'!S17,'Underwriting Risk'!M64)","v":0.2},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q17:S17)<>0,SQRT((K81*'Premium and Reserve Risk'!Q17)^2+(K81*'Premium and Reserve Risk'!Q17*M81*'Premium and Reserve Risk'!S17)+(M81*'Premium and Reserve Risk'!S17)^2)/('Premium and Reserve Risk'!Q17+'Premium and Reserve Risk'!S17),0)","v":0}]
[null,"26 - Non-prop. reinsurance - MAT",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q18<>0,(SUMPRODUCT(Agg_P_20,Agg_sP_20)+('Premium and Reserve Risk'!Q18-SUM(Agg_P_20))*'Underwriting Risk'!K65)/'Premium and Reserve Risk'!Q18,'Underwriting Risk'!K65)","v":0.17},null,{"$f":"IF('Premium and Reserve Risk'!S18<>0,(SUMPRODUCT(Agg_R_20,Agg_sR_20)+('Premium and Reserve Risk'!S18-SUM(Agg_R_20))*'Underwriting Risk'!M65)/'Premium and Reserve Risk'!S18,'Underwriting Risk'!M65)","v":0.2},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q18:S18)<>0,SQRT((K82*'Premium and Reserve Risk'!Q18)^2+(K82*'Premium and Reserve Risk'!Q18*M82*'Premium and Reserve Risk'!S18)+(M82*'Premium and Reserve Risk'!S18)^2)/('Premium and Reserve Risk'!Q18+'Premium and Reserve Risk'!S18),0)","v":0}]
[null,"27 - Non-prop. reinsurance - Property",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!Q19<>0,(SUMPRODUCT(Agg_P_21,Agg_sP_21)+('Premium and Reserve Risk'!Q19-SUM(Agg_P_21))*'Underwriting Risk'!K66)/'Premium and Reserve Risk'!Q19,'Underwriting Risk'!K66)","v":0.17},null,{"$f":"IF('Premium and Reserve Risk'!S19<>0,(SUMPRODUCT(Agg_R_21,Agg_sR_21)+('Premium and Reserve Risk'!S19-SUM(Agg_R_21))*'Underwriting Risk'!M66)/'Premium and Reserve Risk'!S19,'Underwriting Risk'!M66)","v":0.2},null,{"$f":"IF(SUM('Premium and Reserve Risk'!Q19:S19)<>0,SQRT((K83*'Premium and Reserve Risk'!Q19)^2+(K83*'Premium and Reserve Risk'!Q19*M83*'Premium and Reserve Risk'!S19)+(M83*'Premium and Reserve Risk'!S19)^2)/('Premium and Reserve Risk'!Q19+'Premium and Reserve Risk'!S19),0)","v":0}]
[]
[]
[]
[null,"Overall",null,null,"Combined Volume Measure x Combined Standard Deviation"]
[]
[null," 1  - Motor Vehicle Liability & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W8*O72","v":0}]
[null," 2  - Other Motor & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W9*O73","v":0}]
[null," 3  - Marine, Aviation & Transport (MAT) & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W10*O74","v":0}]
[null," 4  - Fire & Other Damage to Property & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W11*O75","v":0}]
[null," 5  - General Liability & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W12*O76","v":0}]
[null," 6  - Credit & Suretyship & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W13*O77","v":0}]
[null," 7  - Legal Expenses & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W14*O78","v":0}]
[null," 8  - Assistance & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W15*O79","v":0}]
[null," 9  - Miscellaneous Financial Loss & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W16*O80","v":0}]
[null,"25 - Non-prop. reinsurance - Casualty",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W17*O81","v":0}]
[null,"26 - Non-prop. reinsurance - MAT",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W18*O82","v":0}]
[null,"27 - Non-prop. reinsurance - Property",null,null,null,null,{"$f":"'Premium and Reserve Risk'!W19*O83","v":0}]
[]
[null,"Result"]
[]
[null,"Total combined volume measure",null,null,null,null,{"$f":"SUM('Premium and Reserve Risk'!$W$8:$W$19)","v":0}]
[null,"Total combined standard deviation",null,null,null,null,{"$f":"IF($G$104=0,0,SQRT(MMULT(MMULT(TRANSPOSE($G$89:$G$100),CorrPR),$G$89:$G$100))/$G$104)","v":0}]

{"sheet":"NSLT Health Risk","index":23,"n_rows":81,"n_cols":14,"rows_kept":81,"cut":false,"hidden":false,"merged":[[70,2,70,4]]}
["NSLT Health Risk"]
[]
[]
[]
[null,"NSLT Health Underwriting Risk",null,null,"'000"]
[]
[]
[null,"Health Premium and Reserve Risk SCR",null,null,{"$f":"NL_Health_PR","v":0}]
[null,"Health Lapse Risk SCR",null,null,{"$f":"NL_Lapse_Health","v":0}]
[null,"Health Catastrophe Risk SCR",null,null,{"$f":"NL_healthCAT","v":0}]
[]
[null,"Capital Requirement (before diversification benefit)",null,null,{"$f":"SUM(E8:E10)","v":0}]
[]
[null,"Diversification benefit",null,null,{"$f":"E16-E12","v":0}]
[]
[null,"NSLT Health Risk SCR before stop loss",null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(E8:E10),HealthCorr),E8:E10))","v":0}]
[]
[null,"Maximum exposure under stop loss agreement",null,null,0]
[]
[null,"NSLT Health Risk SCR ",null,null,{"$f":"IF(E18<>0,MIN(E18,SCR_Health),SCR_Health)","v":0}]
[]
[]
[]
[null,"Premium and Reserve Risk",null,null,"'000"]
[]
[null,"Combined Volume Measure",null,null,{"$f":"E80","v":0}]
[null,"Combined Standard Deviation",null,null,{"$f":"E81","v":0}]
[null,"Capital Factor",null,null,{"$f":"P_and_R_Risk_Theta_factor","v":3}]
[]
[null,"Health Premium and Reserve Risk SCR",null,null,{"$f":"E$26*E$27*E$28","v":0}]
[]
[]
[]
[null,"NSLT Health Lapse Risk",null,null,"'000"]
[]
[]
[null,"Lapse risk SCR",null,null,{"$f":"LAPSE_UP_HEALTH","v":0}]
[]
[]
[]
[null,"Non-Life Health Catastrophe Risk",null,null,"'000"]
[]
[null,"Health Mass Accident Catastrophe Risk SCR",null,null,{"$f":"'Health Catastrophe Risk'!Health_MassAccident","v":0}]
[null,"Health Accident Concentration Risk SCR",null,null,{"$f":"'Health Catastrophe Risk'!Health_Concentration","v":0}]
[null,"Health Pandemic Risk SCR",null,null,{"$f":"'Health Catastrophe Risk'!Health_Pandemic","v":0}]
[]
[null,"Health Catatrophe Risk SCR",null,null,{"$f":"SQRT(SUMSQ(E43:E45))","v":0}]
[]
[]
[]
[]
[]
[null,"Standard Deviation                     ",null,null,null,null,null,null,null,"Premium Risk Standard Deviation Factor",null,"Reserve Risk Standard Deviation Factor"]
[]
[null," 10  - Medical expense & Prop. Reins.",null,null,null,null,null,null,null,0.05,null,0.05]
[null," 11  - Income Protection & Prop. Reins.",null,null,null,null,null,null,null,8.5000000000000006E-2,null,0.14000000000000001]
[null," 12  - Workers' compensation & Prop. Reins.",null,null,null,null,null,null,null,0.08,null,0.11]
[null," 28 - Non-prop. reinsurance - Health",null,null,null,null,null,null,null,0.17,null,0.2]
[]
[]
[]
[null,"Standard Deviation after aggregates ",null,null,null,null,null,null,null,"Premium Risk Standard Deviation Factor adjusted for aggregate cap",null,"Reserve Risk Standard Deviation Factor",null,"        Combined Standard Deviation"]
[]
[null," 10  - Medical expense & Prop. Reins.",null,null,null,null,null,null,null,{"$f":"IF('Health Prem & Reserve Risk'!Q8<>0,(SUMPRODUCT(Agg_PH_1,Agg_SPH_1)+('Health Prem & Reserve Risk'!Q8-SUM(Agg_PH_1))*'NSLT Health Risk'!J55)/'Health Prem & Reserve Risk'!Q8,'NSLT Health Risk'!J55)","v":0.05},null,{"$f":"IF('Health Prem & Reserve Risk'!S8<>0,(SUMPRODUCT(Agg_RH_1,Agg_SRH_1)+('Health Prem & Reserve Risk'!S8-SUM(Agg_RH_1))*'NSLT Health Risk'!L55)/'Health Prem & Reserve Risk'!S8,'NSLT Health Risk'!L55)","v":0.05},null,{"$f":"IF(SUM('Health Prem & Reserve Risk'!Q8:S8)<>0,SQRT((J64*'Health Prem & Reserve Risk'!Q8)^2+(J64*'Health Prem & Reserve Risk'!Q8*L64*'Health Prem & Reserve Risk'!S8)+(L64*'Health Prem & Reserve Risk'!S8)^2)/('Health Prem & Reserve Risk'!Q8+'Health Prem & Reserve Risk'!S8),0)","v":0}]
[null," 11  - Income Protection & Prop. Reins.",null,null,null,null,null,null,null,{"$f":"IF('Health Prem & Reserve Risk'!Q9<>0,(SUMPRODUCT(Agg_PH_2,Agg_SPH_2)+('Health Prem & Reserve Risk'!Q9-SUM(Agg_PH_2))*'NSLT Health Risk'!J56)/'Health Prem & Reserve Risk'!Q9,'NSLT Health Risk'!J56)","v":8.5000000000000006E-2},null,{"$f":"IF('Health Prem & Reserve Risk'!S9<>0,(SUMPRODUCT(Agg_RH_2,Agg_SRH_2)+('Health Prem & Reserve Risk'!S9-SUM(Agg_RH_2))*'NSLT Health Risk'!L56)/'Health Prem & Reserve Risk'!S9,'NSLT Health Risk'!L56)","v":0.14000000000000001},null,{"$f":"IF(SUM('Health Prem & Reserve Risk'!Q9:S9)<>0,SQRT((J65*'Health Prem & Reserve Risk'!Q9)^2+(J65*'Health Prem & Reserve Risk'!Q9*L65*'Health Prem & Reserve Risk'!S9)+(L65*'Health Prem & Reserve Risk'!S9)^2)/('Health Prem & Reserve Risk'!Q9+'Health Prem & Reserve Risk'!S9),0)","v":0}]
[null," 12  - Workers' compensation & Prop. Reins.",null,null,null,null,null,null,null,{"$f":"IF('Health Prem & Reserve Risk'!Q10<>0,(SUMPRODUCT(Agg_PH_3,Agg_SPH_3)+('Health Prem & Reserve Risk'!Q10-SUM(Agg_PH_3))*'NSLT Health Risk'!J57)/'Health Prem & Reserve Risk'!Q10,'NSLT Health Risk'!J57)","v":0.08},null,{"$f":"IF('Health Prem & Reserve Risk'!S10<>0,(SUMPRODUCT(Agg_RH_3,Agg_SRH_3)+('Health Prem & Reserve Risk'!S10-SUM(Agg_RH_3))*'NSLT Health Risk'!L57)/'Health Prem & Reserve Risk'!S10,'NSLT Health Risk'!L57)","v":0.11},null,{"$f":"IF(SUM('Health Prem & Reserve Risk'!Q10:S10)<>0,SQRT((J66*'Health Prem & Reserve Risk'!Q10)^2+(J66*'Health Prem & Reserve Risk'!Q10*L66*'Health Prem & Reserve Risk'!S10)+(L66*'Health Prem & Reserve Risk'!S10)^2)/('Health Prem & Reserve Risk'!Q10+'Health Prem & Reserve Risk'!S10),0)","v":0}]
[null," 28 - Non-prop. reinsurance - Health",null,null,null,null,null,null,null,{"$f":"IF('Health Prem & Reserve Risk'!Q11<>0,(SUMPRODUCT(Agg_PH_4,Agg_SPH_4)+('Health Prem & Reserve Risk'!Q11-SUM(Agg_PH_4))*'NSLT Health Risk'!J58)/'Health Prem & Reserve Risk'!Q11,'NSLT Health Risk'!J58)","v":0.17},null,{"$f":"IF('Health Prem & Reserve Risk'!S11<>0,(SUMPRODUCT(Agg_RH_4,Agg_SRH_4)+('Health Prem & Reserve Risk'!S11-SUM(Agg_RH_4))*'NSLT Health Risk'!L58)/'Health Prem & Reserve Risk'!S11,'NSLT Health Risk'!L58)","v":0.2},null,{"$f":"IF(SUM('Health Prem & Reserve Risk'!Q11:S11)<>0,SQRT((J67*'Health Prem & Reserve Risk'!Q11)^2+(J67*'Health Prem & Reserve Risk'!Q11*L67*'Health Prem & Reserve Risk'!S11)+(L67*'Health Prem & Reserve Risk'!S11)^2)/('Health Prem & Reserve Risk'!Q11+'Health Prem & Reserve Risk'!S11),0)","v":0}]
[]
[]
[]
[null,"Overall","Combined Volume Measure x Combined Standard Deviation"]
[]
[null," 10  - Medical expense & Prop. Reins.",null,null,{"$f":"'Health Prem & Reserve Risk'!W8*N64","v":0}]
[null," 11  - Income Protection & Prop. Reins.",null,null,{"$f":"'Health Prem & Reserve Risk'!W9*N65","v":0}]
[null," 12  - Workers' compensation & Prop. Reins.",null,null,{"$f":"'Health Prem & Reserve Risk'!W10*N66","v":0}]
[null," 28 - Non-prop. reinsurance - Health",null,null,{"$f":"'Health Prem & Reserve Risk'!W11*N67","v":0}]
[]
[null,"Result"]
[]
[null,"Total combined volume measure",null,null,{"$f":"SUM('Health Prem & Reserve Risk'!$W$8:$W$11)","v":0}]
[null,"Total combined standard deviation",null,null,{"$f":"IF($E$80=0,0,SQRT(MMULT(MMULT(TRANSPOSE($E$73:$E$76),CorrPR_Health),$E$73:$E$76))/$E$80)","v":0}]

{"sheet":"Operational Risk","index":24,"n_rows":8,"n_cols":22,"rows_kept":8,"cut":false,"hidden":false,"merged":[]}
["Operational Risk"]
[]
[]
[]
[null,"Operational risk               ",null,null,null,null,"Earned Premium*           (last year)",null,"Earned Premium*       (12 months prior)",null,"Best Estimate Provision",null,"Premium Component",null,"Reserve Component",null,"Operational Risk SCR before floor",null,"Basic Solvency Capital Requirement",null,null,"Operational Risk SCR"]
[null,null,null,null,null,null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,null,"'000"]
[]
[null,"Total underwriting + NSLT health sub-modules",null,null,null,null,0,null,0,null,{"$f":"SUM('RBS - Direct TPs'!F13,'RBS - Direct TPs'!F22,'RBS - Direct TPs'!F31,'RBS - Direct TPs'!F40,'RBS - Direct TPs'!F49,'RBS - Direct TPs'!F58,'RBS - Direct TPs'!F67,'RBS - Direct TPs'!F76,'RBS - Direct TPs'!F85,'RBS - Direct TPs'!F94,'RBS - Direct TPs'!F103,'RBS - Direct TPs'!F112,'RBS - Reins TPs'!F13,'RBS - Reins TPs'!F22,'RBS - Reins TPs'!F31,'RBS - Reins TPs'!F40,'RBS - Reins TPs'!F49,'RBS - Reins TPs'!F58,'RBS - Reins TPs'!F67,'RBS - Reins TPs'!F76,'RBS - Reins TPs'!F85,'RBS - Reins TPs'!F94,'RBS - Reins TPs'!F103,'RBS - Reins TPs'!F112,'RBS - Reins TPs'!F121,'RBS - Reins TPs'!F130,'RBS - Reins TPs'!F139,'RBS - Reins TPs'!F148)","v":0},null,{"$f":"Op_premium_factor1*(G8+MAX(0,G8-Op_premium_factor2*I8))","v":0},null,{"$f":"Op_provision_factor*MAX(0,K8)","v":0},null,{"$f":"MAX(M8,O8)","v":0},null,{"$f":"BSCR","v":0},null,null,{"$f":"MIN(0.3*S8,Q8)","v":0}]

{"sheet":"Ring-Fenced Fund Adjustment","index":25,"n_rows":41,"n_cols":32,"rows_kept":41,"cut":false,"hidden":false,"merged":[[6,1,6,15]]}
["Ring-Fenced Fund Adjustment"]
[]
[]
[null,"Do you have any material ring-fenced funds?",null,"No"]
[null,"If you have one or more material ring-fenced funds, update the below for each material ring-fenced fund. You will need to complete the rest of this return as if you don’t have any material ring-fenced funds. "]
[null,"You will need to determine the SCR and own-funds for each ring-fenced fund separately."]
[null,"The full definition of a material ring-fenced fund is in the Regulations. In summary, a ring-fenced fund is a subset of an insurer’s own-funds that has been legally assigned to cover a specific contract or a specific claim within a contract. The key is that the ring-fenced funds are ‘trapped’ and cannot ever be used by the insurer to cover losses on other contracts or claim payments i.e. these own-funds can only ever be used to meet the claims of a certain group of policyholders /beneficiaries."]
[null,"Solvency Capital Requirement",null,"RFF1",null,"RFF2",null,"RFF3",null,"RFF4",null,"RFF5",null,"RFF6",null,"RFF7",null,"RFF8",null,"RFF9",null,"RFF10",null,"RFF11",null,"Not ring-fenced",null,"Total SCR",null,"With no RFF constraint",null,"Total SCR allowing for RFFs"]
[null,null,null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,null,null,"'000",null,"'000"]
[]
[null,"Market Risk SCR",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,{"$f":"'SCR Summary'!D9","v":0},null,{"$f":"SUM(D11,F11,H11,J11,L11,N11,P11,R11,T11,V11,X11,Z11)","v":0}]
[null,"Counterparty Default Risk SCR",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,{"$f":"'SCR Summary'!D10","v":0},null,{"$f":"SUM(D12,F12,H12,J12,L12,N12,P12,R12,T12,V12,X12,Z12)","v":0}]
[null,"NSLT Health Risk SCR",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,{"$f":"'SCR Summary'!D11","v":0},null,0]
[null,"Underwriting Risk SCR",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,{"$f":"'SCR Summary'!D12","v":0},null,0]
[null,"Intangibles Risk SCR",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,{"$f":"'SCR Summary'!D13","v":0},null,0]
[]
[null,"BSCR (before diversification effects)",null,{"$f":"SUM(D11:D15)","v":0},null,{"$f":"SUM(F11:F15)","v":0},null,{"$f":"SUM(H11:H15)","v":0},null,{"$f":"SUM(J11:J15)","v":0},null,{"$f":"SUM(L11:L15)","v":0},null,{"$f":"SUM(N11:N15)","v":0},null,{"$f":"SUM(P11:P15)","v":0},null,{"$f":"SUM(R11:R15)","v":0},null,{"$f":"SUM(T11:T15)","v":0},null,{"$f":"SUM(V11:V15)","v":0},null,{"$f":"SUM(X11:X15)","v":0},null,{"$f":"SUM(Z11:Z15)","v":0},null,null,null,{"$f":"'SCR Summary'!D15","v":0},null,{"$f":"SUM(AF11:AF15)","v":0}]
[]
[null,"Diversification",null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(D11:D14),Corr),D11:D14))-SUM(D11:D14)","v":0},null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(F11:F14),Corr),F11:F14))-SUM(F11:F14)","v":0},null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(H11:H14),Corr),H11:H14))-SUM(H11:H14)","v":0},null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(J11:J14),Corr),J11:J14))-SUM(J11:J14)","v":0},null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(L11:L14),Corr),L11:L14))-SUM(L11:L14)","v":0},null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(N11:N14),Corr),N11:N14))-SUM(N11:N14)","v":0},null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(P11:P14),Corr),P11:P14))-SUM(P11:P14)","v":0},null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(R11:R14),Corr),R11:R14))-SUM(R11:R14)","v":0},null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(T11:T14),Corr),T11:T14))-SUM(T11:T14)","v":0},null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(V11:V14),Corr),V11:V14))-SUM(V11:V14)","v":0},null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(X11:X14),Corr),X11:X14))-SUM(X11:X14)","v":0},null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(Z11:Z14),Corr),Z11:Z14))-SUM(Z11:Z14)","v":0},null,null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(AD11:AD14),Corr),AD11:AD14))-SUM(AD11:AD14)","v":0},null,{"$f":"SUM(D19,F19,H19,J19,L19,N19,P19,R19,T19,V19,X19,Z19)","v":0}]
[]
[null,"BSCR",null,{"$f":"SUM(D17,D19)","v":0},null,{"$f":"SUM(F17,F19)","v":0},null,{"$f":"SUM(H17,H19)","v":0},null,{"$f":"SUM(J17,J19)","v":0},null,{"$f":"SUM(L17,L19)","v":0},null,{"$f":"SUM(N17,N19)","v":0},null,{"$f":"SUM(P17,P19)","v":0},null,{"$f":"SUM(R17,R19)","v":0},null,{"$f":"SUM(T17,T19)","v":0},null,{"$f":"SUM(V17,V19)","v":0},null,{"$f":"SUM(X17,X19)","v":0},null,{"$f":"SUM(Z17,Z19)","v":0},null,null,null,{"$f":"AD19+AD17","v":0},null,{"$f":"SUM(AF17,AF19)","v":0}]
[]
[null,"Operational Risk SCR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SCR_Op","v":0},null,{"$f":"AD23","v":0}]
[]
[null,"Regulatory Adjustment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Adj_Reg","v":0},null,{"$f":"AD25","v":0}]
[]
[null,"SCR",null,{"$f":"SUM(D21,D25,D23)","v":0},null,{"$f":"SUM(F21,F25,F23)","v":0},null,{"$f":"SUM(H21,H25,H23)","v":0},null,{"$f":"SUM(J21,J25,J23)","v":0},null,{"$f":"SUM(L21,L25,L23)","v":0},null,{"$f":"SUM(N21,N25,N23)","v":0},null,{"$f":"SUM(P21,P25,P23)","v":0},null,{"$f":"SUM(R21,R25,R23)","v":0},null,{"$f":"SUM(T21,T25,T23)","v":0},null,{"$f":"SUM(V21,V25,V23)","v":0},null,{"$f":"SUM(X21,X25,X23)","v":0},null,{"$f":"SUM(Z21,Z25,Z23)","v":0},null,{"$f":"SUM(D27,F27,H27,J27,L27,N27,P27,R27,T27,V27,X27,Z27)","v":0},null,{"$f":"SUM(AD21,AD23,AD25)","v":0},null,{"$f":"SUM(AF21,AF23,AF25)","v":0}]
[]
[]
[]
[null,"Own Funds",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Own Funds",null,"With no RFF constraint",null,"Total Own Funds allowing for RFFs"]
[]
[null,"Tier 1",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,{"$f":"'Own Funds'!D121","v":0},null,{"$f":"AD33-SUM(D41,F41,H41,J41,L41,N41,P41,R41,T41,V41,X41)","v":0}]
[null,"Tier 2 ",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,{"$f":"'Own Funds'!F121","v":0},null,{"$f":"AD34","v":0}]
[null,"Tier 3 ",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,{"$f":"'Own Funds'!H121","v":0},null,{"$f":"AD35","v":0}]
[]
[null,"Total Own Funds",null,{"$f":"SUM(D33:D35)","v":0},null,{"$f":"SUM(F33:F35)","v":0},null,{"$f":"SUM(H33:H35)","v":0},null,{"$f":"SUM(J33:J35)","v":0},null,{"$f":"SUM(L33:L35)","v":0},null,{"$f":"SUM(N33:N35)","v":0},null,{"$f":"SUM(P33:P35)","v":0},null,{"$f":"SUM(R33:R35)","v":0},null,{"$f":"SUM(T33:T35)","v":0},null,{"$f":"SUM(V33:V35)","v":0},null,{"$f":"SUM(X33:X35)","v":0},null,{"$f":"SUM(Z33:Z35)","v":0},null,{"$f":"SUM(D37,F37,H37,J37,L37,N37,P37,R37,T37,V37,X37,Z37)-SUM(D41,F41,H41,J41,L41,N41,P41,R41,T41,V41,X41)","v":0},null,{"$f":"SUM(AD33:AD35)","v":0},null,{"$f":"SUM(AF33:AF35)","v":0}]
[]
[null,"Solvency Coverage Ratio",null,{"$f":"IF(D27<>0,D37/D27,\"N/A\")","v":"N/A"},null,{"$f":"IF(F27<>0,F37/F27,\"N/A\")","v":"N/A"},null,{"$f":"IF(H27<>0,H37/H27,\"N/A\")","v":"N/A"},null,{"$f":"IF(J27<>0,J37/J27,\"N/A\")","v":"N/A"},null,{"$f":"IF(L27<>0,L37/L27,\"N/A\")","v":"N/A"},null,{"$f":"IF(N27<>0,N37/N27,\"N/A\")","v":"N/A"},null,{"$f":"IF(P27<>0,P37/P27,\"N/A\")","v":"N/A"},null,{"$f":"IF(R27<>0,R37/R27,\"N/A\")","v":"N/A"},null,{"$f":"IF(T27<>0,T37/T27,\"N/A\")","v":"N/A"},null,{"$f":"IF(V27<>0,V37/V27,\"N/A\")","v":"N/A"},null,{"$f":"IF(X27<>0,X37/X27,\"N/A\")","v":"N/A"},null,{"$f":"IF(Z27<>0,Z37/Z27,\"N/A\")","v":"N/A"},null,{"$f":"IF(AB27<>0,AB37/AB27,\"N/A\")","v":"N/A"},null,{"$f":"IF(AD27<>0,AD37/AD27,\"N/A\")","v":"N/A"},null,{"$f":"IF(AF27<>0,AF37/AF27,\"N/A\")","v":"N/A"}]
[]
[null,"Own funds in excess of SCR",null,{"$f":"MAX(0,D37-D27)","v":0},null,{"$f":"MAX(0,F37-F27)","v":0},null,{"$f":"MAX(0,H37-H27)","v":0},null,{"$f":"MAX(0,J37-J27)","v":0},null,{"$f":"MAX(0,L37-L27)","v":0},null,{"$f":"MAX(0,N37-N27)","v":0},null,{"$f":"MAX(0,P37-P27)","v":0},null,{"$f":"MAX(0,R37-R27)","v":0},null,{"$f":"MAX(0,T37-T27)","v":0},null,{"$f":"MAX(0,V37-V27)","v":0},null,{"$f":"MAX(0,X37-X27)","v":0}]

{"sheet":"SCR Summary","index":26,"n_rows":43,"n_cols":4,"rows_kept":43,"cut":false,"hidden":false,"merged":[]}
["SCR Summary"]
[]
[]
[null,"Confidence level",null,"1in200"]
[]
[null,"Solvency Capital Requirement",null,{"$f":"Type_of_business","v":"1in200"}]
[null,null,null,"'000"]
[]
[null,"Market Risk SCR",null,{"$f":"SCR_Market","v":0}]
[null,"Counterparty Default Risk SCR",null,{"$f":"SCR_Default","v":0}]
[null,"NSLT Health Risk SCR",null,{"$f":"SCR_Health_capped","v":0}]
[null,"Underwriting Risk SCR",null,{"$f":"SCR_Non_Life_capped","v":0}]
[null,"Intangible Risk SCR",null,{"$f":"Data!$F$375*'RBS - Assets'!$F$11","v":0}]
[]
[null,"BSCR (before diversification effects)",null,{"$f":"SUM(D9:D13)","v":0}]
[]
[null,"Diversification",null,{"$f":"IF('Ring-Fenced Fund Adjustment'!D4=\"Yes\",'Ring-Fenced Fund Adjustment'!AF19,SQRT(MMULT(MMULT(TRANSPOSE(D9:D12),Corr),D9:D12))-SUM(D9:D12))","v":0}]
[]
[null,"BSCR",null,{"$f":"SUM(D15,D17)","v":0}]
[]
[null,"Operational Risk SCR",null,{"$f":"'Operational Risk'!V8","v":0}]
[]
[null,"Regulatory Adjustment",null,0]
[]
[null,"SCR",null,{"$f":"SUM(BSCR,SCR_Op,Adj_Reg)","v":0}]
[]
[]
[null,"Own Funds",null,{"$f":"Type_of_business","v":"1in200"}]
[null,null,null,"'000"]
[]
[null,"Tier 1 ",null,{"$f":"IF('Ring-Fenced Fund Adjustment'!D4=\"Yes\",'Ring-Fenced Fund Adjustment'!AF33,'Own Funds'!D121)","v":0}]
[null,"Tier 2 ",null,{"$f":"'Own Funds'!F121","v":0}]
[null,"Tier 3 ",null,{"$f":"'Own Funds'!H121","v":0}]
[]
[null,"Tier 1 Regulatory Adjustment",null,0]
[null,"Tier 2 Regulatory Adjustment",null,0]
[null,"Tier 3 Regulatory Adjustment",null,0]
[]
[null,"Total own funds",null,{"$f":"SUM(D31:D33,D35:D37)","v":0}]
[]
[null,"Solvency Coverage Ratio",null,{"$f":"IF(ISERROR(Cap_Res/SCR),\"\",Cap_Res/SCR)","v":""}]
[]
[null,null,null,{"$f":"IF(SCR=0,\"\",IF(Cap_Res<SCR,\"Capital insufficient to cover SCR\",IF(MIN(SCR,SUM(Tier_1_Cap,Tier_1_Adj))<0.5*SCR,\"Proportion of Tier 1 Capital Insufficient\",IF(MIN(SCR-MIN(SCR,SUM(Tier_1_Cap,Tier_1_Adj))-MIN(SCR-MIN(SCR,SUM(Tier_1_Cap,Tier_1_Adj)),SUM(Tier_2_Cap,Tier_2_Adj)),SUM(Tier_3_Cap,Tier_3_Adj))>0.15*SCR,\"Proportion of Tier 3 Capital too great\",\"Capital OK\"))))","v":""}]

{"sheet":"MCR Summary","index":27,"n_rows":34,"n_cols":6,"rows_kept":34,"cut":false,"hidden":false,"merged":[]}
["MCR Summary"]
[]
[]
[null,"Minimum Capital Requirement",null,null,null,{"$f":"Type_of_business","v":"1in200"}]
[null,null,null,null,null,"'000"]
[]
[null,"    Exchange rate",null,null,null,1]
[]
[null,"Reduced MCR agreed with Authority?",null,null,null,"N/A"]
[]
[null,"SCR",null,null,null,{"$f":"SCR","v":0}]
[]
[null,"MCR before minimum applied",null,null,null,{"$f":"0.35*F11","v":0}]
[null,"Minimum MCR*",null,null,null,{"$f":"IF('MCR Summary'!F9=\"N/A\",500000/1000*'MCR Summary'!F7,'MCR Summary'!F9)","v":500}]
[null,"MCR after minimum applied",null,null,null,{"$f":"MAX(F13,F14)","v":500}]
[]
[null,"Regulatory Adjustment",null,null,null,0]
[]
[null,"MCR",null,null,null,{"$f":"F15+F17","v":500}]
[]
[]
[null,"Eligible Own Funds",null,null,null,"'000"]
[]
[null,"Tier 1",null,null,null,{"$f":"'Own Funds'!D126","v":0}]
[null,"Tier 2 ",null,null,null,{"$f":"'Own Funds'!F126","v":0}]
[null,"Tier 3",null,null,null,{"$f":"'Own Funds'!H126","v":0}]
[]
[null,"Tier 1 Regulatory Adjustment",null,null,null,{"$f":"Tier_1_Adj","v":0}]
[null,"Tier 2 Regulatory Adjustment",null,null,null,{"$f":"Tier_2_Adj","v":0}]
[null,"Tier 3 Regulatory Adjustment",null,null,null,{"$f":"Tier_3_Adj","v":0}]
[]
[null,"Total Own Funds to meet MCR",null,null,null,{"$f":"SUM(F24:F26,F28:F30)","v":0}]
[]
[null,"MCR coverage ratio",null,null,null,{"$f":"F32/MCR","v":0}]

{"sheet":"Change Analysis","index":28,"n_rows":65,"n_cols":11,"rows_kept":65,"cut":false,"hidden":false,"merged":[]}
[null,"Change Analysis"]
[]
[]
[null,null,"Movement in Regulatory Balance Sheet",null,"Current Period",null,"Previous Period",null,"Change",null,"Commentary"]
[null,null,null,null,{"$f":"\"'000\"","v":"'000"},null,{"$f":"\"'000\"","v":"'000"},null,"%"]
[null,null,"Assets"]
[null,null,"Fixed assets",null,{"$f":"'RBS - Assets'!F14","v":0},null,0,null,{"$f":"IF(E7=\"\",\"\",IF(ISERROR(E7/G7),\"\",E7/G7-1))","v":""}]
[null,null,"Investments",null,{"$f":"'RBS - Assets'!F36","v":0},null,0,null,""]
[null,null,"Mortgages and loans made",null,{"$f":"'RBS - Assets'!F45","v":0},null,0,null,""]
[null,null,"Reinsurance recoverables",null,{"$f":"'RBS - Assets'!F53","v":0},null,0,null,""]
[null,null,"Other assets",null,{"$f":"'RBS - Assets'!F68","v":0},null,0,null,""]
[null,null,"Total assets",null,{"$f":"SUM(E7:E11)","v":0},null,{"$f":"SUM(G7:G11)","v":0},null,""]
[]
[null,null,"Liabilities"]
[null,null,"Best estimate ",null,{"$f":"SUM('RBS - Direct TPs'!F13,'RBS - Direct TPs'!F22,'RBS - Direct TPs'!F31,'RBS - Direct TPs'!F40,'RBS - Direct TPs'!F49,'RBS - Direct TPs'!F58,'RBS - Direct TPs'!F67,'RBS - Direct TPs'!F76,'RBS - Direct TPs'!F85,'RBS - Direct TPs'!F94,'RBS - Direct TPs'!F103,'RBS - Direct TPs'!F112,'RBS - Reins TPs'!F13,'RBS - Reins TPs'!F22,'RBS - Reins TPs'!F31,'RBS - Reins TPs'!F31,'RBS - Reins TPs'!F40,'RBS - Reins TPs'!F49,'RBS - Reins TPs'!F67,'RBS - Reins TPs'!F76,'RBS - Reins TPs'!F85,'RBS - Reins TPs'!F94,'RBS - Reins TPs'!F103,'RBS - Reins TPs'!F112,'RBS - Reins TPs'!F121,'RBS - Reins TPs'!F130,'RBS - Reins TPs'!F139,'RBS - Reins TPs'!F148,)","v":0},null,0,null,{"$f":"IF(E15=\"\",\"\",IF(ISERROR(E15/G15),\"\",E15/G15-1))","v":""}]
[null,null,"Risk margin ",null,{"$f":"SUM('RBS - Direct TPs'!F14,'RBS - Direct TPs'!F23,'RBS - Direct TPs'!F32,'RBS - Direct TPs'!F41,'RBS - Direct TPs'!F50,'RBS - Direct TPs'!F59,'RBS - Direct TPs'!F68,'RBS - Direct TPs'!F77,'RBS - Direct TPs'!F86,'RBS - Direct TPs'!F95,'RBS - Direct TPs'!F104,'RBS - Direct TPs'!F113,'RBS - Reins TPs'!F14,'RBS - Reins TPs'!F23,'RBS - Reins TPs'!F32,'RBS - Reins TPs'!F41,'RBS - Reins TPs'!F50,'RBS - Reins TPs'!F59,'RBS - Reins TPs'!F68,'RBS - Reins TPs'!F77,'RBS - Reins TPs'!F86,'RBS - Reins TPs'!F95,'RBS - Reins TPs'!F104,'RBS - Reins TPs'!F113,'RBS - Reins TPs'!F122,'RBS - Reins TPs'!F131,'RBS - Reins TPs'!F140,'RBS - Reins TPs'!F149,)","v":0},null,0,null,{"$f":"IF(E16=\"\",\"\",IF(ISERROR(E16/G16),\"\",E16/G16-1))","v":""}]
[null,null,"Other liabilities",null,{"$f":"'RBS - Other Liab'!Reg_Other_Liabs","v":0},null,0,null,{"$f":"IF(E17=\"\",\"\",IF(ISERROR(E17/G17),\"\",E17/G17-1))","v":""}]
[null,null,"Total liabilities",null,{"$f":"SUM(E15:E17)","v":0},null,{"$f":"SUM(G15:G17)","v":0},null,""]
[]
[null,null,"Net Assets",null,{"$f":"E12-E18","v":0},null,{"$f":"G12-G18","v":0},null,{"$f":"IF(E20=\"\",\"\",IF(ISERROR(E20/G20),\"\",E20/G20-1))","v":""}]
[null,null,null,null,null,null,null,null,{"$f":"IF(E21=\"\",\"\",E21/G21-1)","v":""}]
[]
[]
[null,null,"Change in Own Funds*",null,"Current Period",null,"Previous Period",null,"Change",null,"Commentary"]
[null,null,null,null,{"$f":"\"'000\"","v":"'000"},null,{"$f":"\"'000\"","v":"'000"},null,"%"]
[]
[null,null,"Share Capital",null,{"$f":"'RBS - Capital'!F11","v":0},null,0,null,{"$f":"IF(E27=\"\",\"\",IF(ISERROR(E27/G27),\"\",E27/G27-1))","v":""}]
[null,null,"Initial fund",null,{"$f":"'RBS - Capital'!F12","v":0},null,0,null,""]
[null,null,"Share premium",null,{"$f":"'RBS - Capital'!F13","v":0},null,0,null,""]
[null,null,"Retained earnings",null,{"$f":"'RBS - Capital'!F14","v":0},null,0,null,""]
[null,null,"Other reserves from accounting balance sheet",null,{"$f":"'RBS - Capital'!F15","v":0},null,0,null,""]
[null,null,"Surplus funds",null,{"$f":"'RBS - Capital'!F16","v":0},null,0,null,""]
[null,null,"Expected profit in future premiums ('EPIFP') ",null,{"$f":"'RBS - Capital'!F17","v":0},null,0,null,""]
[null,null,"Preference Shares",null,{"$f":"'RBS - Capital'!F18","v":0},null,0,null,""]
[null,null,"Subordinated liabilities",null,{"$f":"'RBS - Capital'!F19","v":0},null,0,null,""]
[null,null,"Reconciliation reserve",null,{"$f":"'RBS - Capital'!F32","v":0},null,0,null,""]
[null,null,"Other items not specified above",null,{"$f":"'RBS - Capital'!F20","v":0},null,0,null,{"$f":"IF(E37=\"\",\"\",IF(ISERROR(E37/G37),\"\",E37/G37-1))","v":""}]
[]
[null,null,"Total",null,{"$f":"SUM(E27:E37)","v":0},null,{"$f":"SUM(G27:G37)","v":0},null,{"$f":"IF(E39=\"\",\"\",IF(ISERROR(E39/G39),\"\",E39/G39-1))","v":""}]
[]
[]
[null,null,"Change in SCR*",null,"Current Period",null,"Previous Period",null,"Change",null,"Commentary"]
[null,null,null,null,{"$f":"\"'000\"","v":"'000"},null,{"$f":"\"'000\"","v":"'000"},null,"%"]
[]
[null,null,"Market Risk SCR",null,{"$f":"'SCR Summary'!D9","v":0},null,0,null,{"$f":"IF(E45=\"\",\"\",IF(ISERROR(E45/G45),\"\",E45/G45-1))","v":""}]
[null,null,"Counterparty Default Risk SCR",null,{"$f":"'SCR Summary'!D10","v":0},null,0,null,""]
[null,null,"NSLT Health Risk SCR",null,{"$f":"'SCR Summary'!D11","v":0},null,0,null,""]
[null,null,"Underwriting Risk SCR",null,{"$f":"'SCR Summary'!D12","v":0},null,0,null,""]
[null,null,"Intangible Risk SCR",null,{"$f":"'SCR Summary'!D13","v":0},null,0,null,""]
[null,null,"Diversification",null,{"$f":"'SCR Summary'!D17","v":0},null,0,null,""]
[null,null,"BSCR",null,{"$f":"SUM(E45:E50)","v":0},null,{"$f":"SUM(G45:G50)","v":0},null,""]
[null,null,"SCRoperational risk",null,{"$f":"SCR_Op","v":0},null,0,null,""]
[]
[null,null,"SCR",null,{"$f":"SCR","v":0},null,{"$f":"SUM(G45:G52)","v":0},null,{"$f":"IF(E54=\"\",\"\",IF(ISERROR(E54/G54),\"\",E54/G54-1))","v":""}]
[]
[null,null,"Solvency coverage",null,{"$f":"IF(OR(E54=0,E54=\"\"),\"\",E39/E54)","v":""},null,{"$f":"IF(OR(G54=0,G54=\"\"),\"\",G39/G54)","v":""},null,{"$f":"IF(E56=\"\",\"\",IF(ISERROR(E56/G56),\"\",E56/G56-1))","v":""}]
[]
[]
[null,null,"Change in MCR*",null,"Current Period",null,"Previous Period",null,"Change",null,"Commentary"]
[null,null,null,null,{"$f":"\"'000\"","v":"'000"},null,{"$f":"\"'000\"","v":"'000"},null,"%"]
[]
[null,null,"MCR",null,{"$f":"MCR","v":500},null,0,null,{"$f":"IF(E62=\"\",\"\",IF(ISERROR(E62/G62),\"\",E62/G62-1))","v":""}]
[null,null,"Own funds eligible to meet MCR",null,{"$f":"'MCR Summary'!F32","v":0},null,0,null,""]
[]
[null,null,"MCR coverage",null,{"$f":"IF(OR(E62=\"\",E62=0),\"\",E63/E62)","v":0},null,{"$f":"IF(OR(G62=\"\",G62=0),\"\",G63/G62)","v":""},null,{"$f":"IF(E65=\"\",\"\",IF(ISERROR(E65/G65),\"\",E65/G65-1))","v":""}]

{"sheet":"Supporting Material","index":29,"n_rows":27,"n_cols":5,"rows_kept":27,"cut":false,"hidden":false,"merged":[[3,1,3,7]]}
["Supporting Material"]
[]
[]
[null,{"$f":"Index!D97","v":"Requirement for the provision of a narative summary document and supporting schematic diagram of the insurer's insurance program written during the accounting period of its accompanying audited accounts, and a narrative summary/schematic of the insurer's insurance program written and expected to be written (as applicable) during the subsequent 12 months. The second summary/schematic may, if appropriate, be limited to contain only material changes from the first summary/schematic. The summaries are also required to include information on any reinsurance purchased, any relevant contingent funding or liability reduction contractual clauses and any material factors likely to impact the insurance program."}]
[]
[null,"INSTRUCTIONS IN DOCUMENT \"Instructions for NLT Return (Supplementary Information)\""]
[]
[null,"Supporting Material ",null,null,"Supplied?"]
[]
[null,"Narrative summary reporting period",null,null,"Yes"]
[]
[null,"Narrative summary forecast period",null,null,"Yes"]
[]
[null,"Supporting schematic diagram reporting period ",null,null,"Yes"]
[]
[null,"Supporting schematic diagram forecast period ",null,null,"Yes"]
[]
[null,"Key explaining terms and abbreviations used in the above",null,null,"Yes"]
[]
[]
[]
[null,"Comments"]
[]
[null,"Comments"]
[]
[]
[null,"Instructions"]

{"sheet":"Summary of Single Exposures","index":30,"n_rows":51,"n_cols":16,"rows_kept":51,"cut":false,"hidden":false,"merged":[[3,0,3,12]]}
["Summary of Single Exposures"]
[]
[]
[{"$f":"Index!D99","v":"In this Tab, TABLE 1 relates to business written by the insurer during the accounting period of its accompanying audited accounts. TABLE 2 relates to business written and expected to be written (as applicable) during the following 12 months. Each table requires information for each line of business on the insurer's highest written single loss/event (gross and net exposures), and (where different) the insurer's highest single loss/event retentions. "}]
[]
[]
[]
["TABLE 1: Business written during the accounting period of the accompanying audited accounts"]
[null,null,"A",null,"B",null,"C",null,"D",null,"E",null,"F"]
[null,null,"Basis used in column B",null,"Maximum gross exposure any one risk or event",null,"Reinsurance recoverables attributable to exposure in column B ",null,"Net retention on exposure in column B",null,"Basis used in column F",null,"If greater than in column D, maximum retention any one risk or event"]
["Class of business",null,"Dropdown",null,"'000",null,"'000",null,"'000",null,"Dropdown",null,"'000",null,null,"Comments"]
[]
["Direct class 3 ",null,"Select",null,0,null,0,null,{"$f":"SUM(E13:H13)","v":0},null,"Select",null,0]
["Direct class 4",null,"Select",null,0,null,0,null,{"$f":"SUM(E14:H14)","v":0},null,"Select",null,0]
["Direct class 5",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Direct class 6",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Direct class 7",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Direct class 8",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Direct class 9",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 3",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 4",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 5",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 6",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 7",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 8",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 9",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
[]
[]
[]
["TABLE 2: Business written/forecast during the following 12 month period"]
[null,null,"A",null,"B",null,"C",null,"D",null,"E",null,"F"]
[null,null,"Basis used in column B",null,"Maximum gross exposure any one risk or event",null,"Reinsurance recoverables attributable to exposure in column B ",null,"Net retention on exposure in column B",null,"Basis used in column F",null,"If greater than in column D, maximum retention any one risk or event"]
["Class of business",null,"Dropdown",null,"'000",null,"'000",null,"'000",null,"Dropdown",null,"'000",null,null,"Comments"]
[]
["Direct class 3 ",null,"Select",null,0,null,0,null,{"$f":"SUM(E35:H35)","v":0},null,"Select",null,0]
["Direct class 4",null,"Select",null,0,null,0,null,{"$f":"SUM(E36:H36)","v":0},null,"Select",null,0]
["Direct class 5",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Direct class 6",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Direct class 7",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Direct class 8",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Direct class 9",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 3",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 4",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 5",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 6",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 7",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 8",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
["Reinsurance of class 9",null,"Select",null,0,null,0,null,0,null,"Select",null,0]
[]
[]
["Instructions"]

{"sheet":"12 Month Forecast","index":31,"n_rows":60,"n_cols":28,"rows_kept":60,"cut":false,"hidden":false,"merged":[[43,12,46,23],[48,12,51,23],[53,12,56,23],[3,0,3,12]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"12 Month Forecast"}]
[]
[]
[{"$f":"Index!D101","v":"A high level summary by class of business of the insurer's forecast insurance programme for the 12 months following the accounting period of its accompanying audited accounts. It includes information on total gross premiums, total net premiums, total probable maximum losses and total expected claims. It also calculates simple loss ratios, identifies the risk gap (based on probable maximum losses) being taken on in the forecast period and asks for additional information on any foreseeable changes in funding levels."}]
[]
[]
[]
["Business written/forecast during the 12 month period immediately following the end of the accounting period of the accompanying audited accounts "]
[null,null,"A",null,"B",null,"C",null,"D",null,"E",null,"F",null,"G",null,"H",null,"I",null,"J",null,"K",null,"L"]
[null,null,"Total gross premiums receivable attributable by class of business",null,"Total reinsurance premiums payable attributable by class of business",null,"Total commissions receivable attributable by class of business",null,"Total commissions payable attributable by class of business",null,"Total net premiums receivable attributable by class of business (also net of commissions)",null,"Total estimated probable gross maximum losses attributable by class of business",null,"Total reinsurance recoverables attributable to the losses in column F",null,"Total estimated probable net maximum losses attributable by class of business",null,"Total gross expected ultimate cost of claims attributable by class of business",null,"Reinsurance recoverables attributable by class of business",null,"Total net expected ultimate cost of claims attributable by line of business ",null,"Expected claims ratio"]
[]
["Class of business",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"'000",null,"%",null,null,"Comments"]
[]
["Direct class 3",null,0,null,0,null,0,null,0,null,{"$f":"SUM(C14:I14)","v":0},null,0,null,0,0,{"$f":"SUM(M14:P14)","v":0},null,0,null,0,null,{"$f":"SUM(S14:V14)","v":0},null,{"$f":"IF(W14=0,\"\",(W14/K14)*-1)","v":""}]
["Direct class 4",null,0,null,0,null,0,null,0,null,{"$f":"SUM(C15:I15)","v":0},null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Direct class 5",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Direct class 6",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Direct class 7",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Direct class 8",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Direct class 9",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Reinsurance of class 3",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Reinsurance of class 4",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Reinsurance of class 5",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Reinsurance of class 6",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Reinsurance of class 7",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Reinsurance of class 8",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,""]
["Reinsurance of class 9",null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,{"$f":"SUM(S27:V27)","v":0},null,""]
["TOTAL",null,{"$f":"SUM(C14:C27)","v":0},null,{"$f":"SUM(E14:E27)","v":0},null,{"$f":"SUM(G14:G27)","v":0},null,{"$f":"SUM(I14:I27)","v":0},null,{"$f":"SUM(K14:K27)","v":0},null,{"$f":"SUM(M14:M27)","v":0},null,{"$f":"SUM(O14:O27)","v":0},null,{"$f":"SUM(Q14:Q27)","v":0},null,{"$f":"SUM(S14:S27)","v":0},null,{"$f":"SUM(U14:U27)","v":0},null,{"$f":"SUM(W14:W27)","v":0},null,""]
[]
[]
[]
["Cannot be atributed by class of business",null,0,null,0,null,0,null,0,null,{"$f":"SUM(C32:I32)","v":0},null,0,null,0,null,{"$f":"SUM(M32:P32)","v":0},null,0,null,0,null,{"$f":"SUM(S32:V32)","v":0},null,{"$f":"IF(W32=0,\"\",(W32/K32)*-1)","v":""}]
[]
[null,null,null,null,null,null,null,null,"Total net premiums receivable",null,{"$f":"SUM(K28:K32)","v":0},null,null,null,"Total estimated probable net maximum losses",null,{"$f":"SUM(Q28:Q32)","v":0},null,null,null,"Total net expected ultimate cost of claims",null,{"$f":"SUM(W28:W32)","v":0},null,""]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total net premiums receivable",null,{"$f":"K34","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expected underwriting surplus/(deficit)",null,{"$f":"W36+W34","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expected overall loss ratio (including business not attributable by class of business)",null,{"$f":"IF(K34=0,\"\",W34/K34*-1)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"New risk gap (based on probable net maximum losses) being taken on over the forecast period ",null,{"$f":"SUM(K34:Q34)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,"Enter details of any material new funding (in addition to the premiums above), distinguishing between paid up and contingent amounts (as applicable)"]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,"Enter details of any likely material removal/expiry of any existing funding, distinguishing between paid up and contingent amounts (as applicable) "]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,"Enter details of any likely dividends or distributions"]
[]
[]
[]
[]
[]
["Instructions"]

{"sheet":"Large Claims","index":32,"n_rows":31,"n_cols":8,"rows_kept":31,"cut":false,"hidden":false,"merged":[[3,1,3,7]]}
["Large Claims"]
[]
[]
[null,{"$f":"Index!D103","v":"Information about any large claims exceeding 20% of the insurer's net assets, and how they have developed and/or settled over the accounting period of the attached audited accounts."}]
[]
[]
[]
[null,"Details of the development and settlement of any large claim (or number of claims from the same event) which exceeds 20% of net assets  "]
[]
[null,"A",null,"B",null,"C",null,"D"]
[null,"Claim",null,"Class(es) of business",null,"Underwriting year/accident year",null,"Details (if any) of development and/or settlement during the reporting period "]
[]
[]
[null,1,null,null,null,"YYYY"]
[null,2,null,null,null,"YYYY"]
[null,3,null,null,null,"YYYY"]
[null,4,null,null,null,"YYYY"]
[null,5,null,null,null,"YYYY"]
[null,6,null,null,null,"YYYY"]
[null,7,null,null,null,"YYYY"]
[null,8,null,null,null,"YYYY"]
[null,9,null,null,null,"YYYY"]
[null,10,null,null,null,"YYYY"]
[null,11,null,null,null,"YYYY"]
[null,12,null,null,null,"YYYY"]
[null,13,null,null,null,"YYYY"]
[null,14,null,null,null,"YYYY"]
[null,15,null,null,null,"YYYY"]
[]
[]
[null,"Instructions"]

{"sheet":"Security Supporting Obligations","index":33,"n_rows":48,"n_cols":28,"rows_kept":48,"cut":false,"hidden":false,"merged":[[31,1,32,9],[31,11,31,15],[39,11,39,15],[40,11,40,15],[41,11,41,15],[34,11,34,15],[35,11,35,15],[36,11,36,15],[37,11,37,15],[38,11,38,15],[34,1,34,9],[35,1,35,9],[36,1,36,9],[37,1,37,9],[38,1,38,9],[39,1,39,9],[42,11,42,15],[43,11,43,15],[44,11,44,15],[40,1,40,9],[41,1,41,9],[42,1,42,9],[43,1,43,9],[44,1,44,9]]}
["Security Supporting Obligations"]
[]
[]
[null,{"$f":"Index!D105","v":"Information on security provided directly or indirectly to guarantee that the insurer's insurance obligations are met."}]
[]
[]
[]
[null,"TABLE 1: Letters of credit and letters of guarantee"]
[null,"A",null,"B",null,"C",null,"D",null,"E",null,"F",null,"G",null,"H",null,"I",null,"J",null,"K",null,"L",null,"M"]
[null,"Type of security",null,"Beneficiary",null,"Issued by",null,"To cost of",null,"Amount of credit or guarantee",null,"Purpose",null,"Unilaterally adjustable?",null,"Terms of notice",null,"Date of issue [dd/mm/yyyyy]",null,"Expiry date [dd/mm/yyyyy]  or expiry terms",null,"Restrictions on drawing rights",null,"Other material terms and conditions",null,"Collateral provided to the issuer ",null,"Other comments (if any)"]
[null,null,null,null,null,null,null,null,null,"'000"]
[]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[null,"Select",null,null,null,null,null,null,null,0]
[]
[]
[null,"TABLE 2: Other security"]
[]
[null,"Type of security (Specify)",null,null,null,null,null,null,null,null,null,"Description of material features"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Instructions"]

{"sheet":"Annual Accounting Info","index":34,"n_rows":45,"n_cols":12,"rows_kept":45,"cut":false,"hidden":false,"merged":[[6,1,6,10]]}
["Other information"]
[]
[]
[null,"Contains certain additional information requirements."]
[]
[]
[]
[null,null,"The following information is required to be provided by all non long-term insurers"]
[]
[null,null,null,null,null,null,null,"'000"]
[]
[null,null,null,"Insurance Technical Provisions"]
[]
[null,null,null,"Unearned premium reserves (UPR)",null,null,null,0]
[null,null,null,"Outstanding claims reserves (OCR)",null,null,null,0]
[null,null,null,"Incurred but not reported reserve (IBNR)",null,null,null,0]
[null,null,null,"Incurred but not enough reported reserve (IBNER)",null,null,null,0]
[null,null,null,"Unexpired risk reserve (URR) [if not included in UPR]*",null,null,null,0]
[null,null,null,"Any other technical provision (specify)",null,null,null,0,null,"Other prov'n specifics",null,"Enter Text"]
[]
[null,null,null,"Total gross insurance provisions ",null,null,null,{"$f":"SUM(H14:H19)","v":0}]
[]
[null,null,null,"Total amounts recoverable from reinsurers*",null,null,null,0]
[]
[null,null,null,"Total net technical provisions contained in balance sheet",null,null,null,{"$f":"H21+H23","v":0}]
[]
[null,null,null,"Profit and Loss Statement"]
[]
[null,null,null,"Gross premiums written*",null,null,null,0]
[null,null,null,"Outward rensurance premiums ceded*",null,null,null,0]
[null,null,null,"Movement UPR*",null,null,null,0]
[null,null,null,"Movement in URR*",null,null,null,0]
[null,null,null,"Movement in OCR, IBNR and IBNER*",null,null,null,0]
[null,null,null,"Gross claims paid*",null,null,null,0]
[null,null,null,"Reinsurance recovered*",null,null,null,0]
[null,null,null,"Commissions and expenses*",null,null,null,0]
[null,null,null,"Foreign exchange movements*",null,null,null,0]
[null,null,null,"Investment income*",null,null,null,0]
[null,null,null,"Any other item not attributable to any of the above (specify)*",null,null,null,0,null,"Other item specifics",null,"Enter Text"]
[]
[null,null,null,"Profit/Loss for the reporting period",null,null,null,{"$f":"SUM(H29:H39)","v":0}]
[]
[]
[]
[null,"Instructions"]

{"sheet":"Data","index":35,"n_rows":397,"n_cols":17,"rows_kept":397,"cut":false,"hidden":false,"merged":[[363,1,363,3],[364,1,364,3],[365,1,365,3],[368,1,368,3],[374,1,374,3],[354,1,354,3],[359,1,359,3],[360,1,360,3],[361,1,361,3],[362,1,362,3],[337,1,337,3],[340,1,340,3],[347,1,347,3],[348,1,348,3],[351,1,351,3],[327,1,327,3],[328,1,328,3],[329,1,329,3],[330,1,330,3],[336,1,336,3],[314,1,314,3],[315,1,315,3],[316,1,316,3],[322,1,322,3],[326,1,326,3],[304,1,304,3],[307,1,307,3],[308,1,308,3],[312,1,312,3],[313,1,313,3],[297,1,297,3],[300,1,300,3],[301,1,301,3],[302,1,302,3],[303,1,303,3],[282,1,282,3],[287,1,287,3],[290,1,290,3],[291,1,291,3],[294,1,294,3],[274,1,274,3],[275,1,275,3],[276,1,276,3],[277,1,277,3],[278,1,278,3],[263,1,263,3],[264,1,264,3],[267,1,267,3],[268,1,268,3],[273,1,273,3],[136,13,137,13],[144,1,144,2],[144,3,144,9],[144,13,145,13],[94,1,94,2],[95,1,95,2],[96,1,96,2],[136,1,136,2],[136,3,136,9]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"Data"}]
[]
[]
[null,"Currency","Currency Code"]
[null,"United Kingdom Pound","GBP"]
[null,"United States Dollar","USD"]
[null,"Euro","EUR"]
[null,"Sweden Krona","SEK"]
[null,"Afghanistan Afghani","AFN"]
[null,"Albania Lek","ALL"]
[null,"Algeria Dinar","DZD"]
[null,"Argentina Peso","ARS"]
[null,"Australia Dollar","AUD"]
[null,"Bahamas Dollar","BSD"]
[null,"Bahrain Dinar","BHD"]
[null,"Bangladesh Taka","BDT"]
[null,"Barbados Dollar","BBD"]
[null,"Bermuda Dollar","BMD"]
[null,"Brazil Real","BRL"]
[null,"Bulgaria Lev","BGN"]
[null,"Canada Dollar","CAD"]
[null,"Chile Peso","CLP"]
[null,"China Yuan Renminbi","CNY"]
[null,"Colombia Peso","COP"]
[null,"Costa Rica Colon","CRC"]
[null,"Croatia Kuna","HRK"]
[null,"Czech Republic Koruna","CZK"]
[null,"Denmark Krone","DKK"]
[null,"Dominican Republic Peso","DOP"]
[null,"Egypt Pound","EGP"]
[null,"Fiji Dollar","FJD"]
[null,"Hong Kong Dollar","HKD"]
[null,"Hungary Forint","HUF"]
[null,"Iceland Krona","ISK"]
[null,"India Rupee","INR"]
[null,"Indonesia Rupiah","IDR"]
[null,"Iran Rial","IRR"]
[null,"Iraq Dinar","IQD"]
[null,"Israel Shekel","ILS"]
[null,"Jamaica Dollar","JMD"]
[null,"Japan Yen","JPY"]
[null,"Jordan Dinar","JOD"]
[null,"Kenya Shilling","KES"]
[null,"Kuwait Dinar","KWD"]
[null,"Lebanon Pounds","LBP"]
[null,"Lituania Lita","LTL"]
[null,"Malaysia Ringgit","MYR"]
[null,"Mauritius Rupee","MUR"]
[null,"Mexico Peso","MXN"]
[null,"Morocco Dirham","MAD"]
[null,"New Zealand Dollar","NZD"]
[null,"Norway Krone","NOK"]
[null,"Oman Rial","OMR"]
[null,"Pakistan Rupee","PKR"]
[null,"Peru Nuevo Sol","PEN"]
[null,"Philippines Peso","PHP"]
[null,"Poland Zloty","PLN"]
[null,"Qatar Riyal","QAR"]
[null,"Romania New Leu","RON"]
[null,"Russia Ruble","RUB"]
[null,"Saudi Arabia Riyal","SAR"]
[null,"Singapore Dollar","SGD"]
[null,"South Africa Rand","ZAR"]
[null,"South Korea Won","KRW"]
[null,"Sri Lanka Rupee","LKR"]
[null,"Sudan Pound","SDG"]
[null,"Switzerland Franc","CHF"]
[null,"Taiwan New Dollar","TWD"]
[null,"Thailand Baht","THB"]
[null,"Trinidad and Tobago Dollar","TTD"]
[null,"Tunisia Dinar","TND"]
[null,"Turkey Lira","TRY"]
[null,"United Arab Emirates Dirham","AED"]
[null,"Venezuela Bolivares Fuertes","VEF"]
[null,"Vietnam Dong","VND"]
[null,"Zambia Kwacha","ZMK"]
[]
[]
[]
[null,"Corr (200)                        ","Market","Default","Health","Non-Life",null,null,null,"Corr (10)                                                  *","Market","Default","Health","Non-Life"]
[null,"Market",1,0.25,0.25,0.25,null,null,null,"Market",1,0,0,0]
[null,"Default",0.25,1,0.25,0.5,null,null,null,"Default",0,1,0,0.25]
[null,"Health",0.25,0.25,1,0,null,null,null,null,0,0,1,0]
[null,"Non-Life",0.25,0.5,0,1,null,null,null,"Non-Life",0,0.25,1,1]
[]
[]
[null,"MarketCorr (200)              ","Interest","Equity","Property","Currency","Spread","Concentration",null,"MarketCorr (10)                               *","Interest","Equity","Property","Currency","Spread","Concentration"]
[null,"Interest",1,{"$f":"TRANSPOSE(C89:C$93)","v":0},0,0.25,0,0,null,"Interest",1,{"$f":"TRANSPOSE(K89:K$93)","v":0},0,0,0,0]
[null,"Equity",{"$f":"A_200","v":0},1,{"$f":"TRANSPOSE(D90:D$93)","v":0.75},0.25,0.75,0,null,"Equity",{"$f":"A_10","v":0},1,{"$f":"TRANSPOSE(L90:L$93)","v":0.5},0,0.5,0]
[null,"Property",{"$f":"A_200","v":0},0.75,1,{"$f":"TRANSPOSE(E91:E$93)","v":0.25},0.5,0,null,"Property",{"$f":"A_10","v":0},0.5,1,{"$f":"TRANSPOSE(M91:M$93)","v":0},0.25,0]
[null,"Currency",0.25,0.25,0.25,1,{"$f":"TRANSPOSE(F92:F$93)","v":0.25},0,null,"Currency",0,0,0,1,{"$f":"TRANSPOSE(N92:N$93)","v":0},0]
[null,"Spread",{"$f":"A_200","v":0},0.75,0.5,0.25,1,{"$f":"TRANSPOSE(G93:G$93)","v":0},null,"Spread",{"$f":"A_10","v":0},0.5,0.25,0,1,{"$f":"TRANSPOSE(O93:O$93)","v":0}]
[null,"Concentration",0,0,0,0,0,1,null,"Concentration",0,0,0,0,0,1]
[]
[null,"Selection of A_200 in MarketCorr                 ",null,"A_200",null,null,null,null,null,null,null,"A_10"]
[null,"Marketinterest = MarketinterestUp",null,0,null,null,null,null,null,null,null,0]
[null,"Marketinterest = MarketinterestDown",null,0.5,null,null,null,null,null,null,null,0.25]
[null,null,"Selected:",{"$f":"IF(Mkt_Interest='Market Risk Inputs'!K13,$D$96,$D$97)","v":0},null,null,null,null,null,null,"Selected:",{"$f":"0","v":0}]
[]
[]
[null,"EqCorr                                              ","Type 1","Type 2"]
[null,"Type 1",1,{"$f":"$C$103","v":0.75}]
[null,"Type 2",0.75,1]
[]
[]
[null,"CurrencyCorr           ",1,2,3,4,5,6,7,8,9,10,11,12,13,14,15]
[null,"CurrGroup1",1,{"$f":"TRANSPOSE(C108:C$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup2",0.5,1,{"$f":"TRANSPOSE(D109:D$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup3",0.5,0.5,1,{"$f":"TRANSPOSE(E110:E$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup4",0.5,0.5,0.5,1,{"$f":"TRANSPOSE(F111:F$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup5",0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(G112:G$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup6",0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(H113:H$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup7",0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(I114:I$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup8",0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(J115:J$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup9",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(K116:K$121)","v":0.5},0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup10",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(L117:L$121)","v":0.5},0.5,0.5,0.5,0.5]
[null,"CurrGroup11",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(M118:M$121)","v":0.5},0.5,0.5,0.5]
[null,"CurrGroup12",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(N119:N$121)","v":0.5},0.5,0.5]
[null,"CurrGroup13",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(O120:O$121)","v":0.5},0.5]
[null,"CurrGroup14",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(P121:P$121)","v":0.5}]
[null,"CurrGroup15",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1]
[]
[null,"See TS appendix for mapping to short term credit ratings"]
[null,"Credit Quality (CQ) Step","S & P's / Fitch","Moody's","AM Best"]
[]
[null,0,"AAA","Aaa","A++"]
[null,1,"AA","Aa","A+"]
[null,2,"A","A","A"]
[null,3,"BBB","Baa","A-"]
[null,4,"BB","Ba","B++ to B"]
[null,5,"B","B","B- to C+"]
[null,6,"CCC or lower","Lower","C or lower"]
[]
[]
[]
[null,"1 in 200 Credit Spread Risk"]
[null,"Bonds - Base Factors",null,"Credit Quality Step",null,null,null,null,null,null,null,null,null,"MCR not met"]
[null,"Duration","Range",0,1,2,3,4,5,6,null,"Unrated"]
[null,"dur ≤ 5",0,0,0,0,0,0,0,0,null,0,null,0]
[null,"5 < dur ≤ 10",5,0,0,0,0,0,0,0,null,0,null,0]
[null,"10 < dur ≤ 15",10,0,0,0,0,0,0,0,null,0,null,0]
[null,"15 < dur ≤ 20",15,0,0,0,0,0,0,0,null,0,null,0]
[null,"20 < dur",20,0,0,0,0,0,0,0,null,0,null,0]
[]
[null,"Bonds - Factor Multiples",null,"Credit Quality Step",null,null,null,null,null,null,null,null,null,"MCR not met"]
[null,"Duration","Range",0,1,2,3,4,5,6,null,"Unrated"]
[null,"dur ≤ 5",0,8.9999999999999993E-3,1.0999999999999999E-2,1.4E-2,2.5000000000000001E-2,4.4999999999999998E-2,7.4999999999999997E-2,7.4999999999999997E-2,null,0.03,null,7.4999999999999997E-2]
[null,"5 < dur ≤ 10",5,8.9999999999999993E-3,1.0999999999999999E-2,1.4E-2,2.5000000000000001E-2,4.4999999999999998E-2,7.4999999999999997E-2,7.4999999999999997E-2,null,0.03,null,7.4999999999999997E-2]
[null,"10 < dur ≤ 15",10,8.9999999999999993E-3,1.0999999999999999E-2,1.4E-2,2.5000000000000001E-2,4.4999999999999998E-2,7.4999999999999997E-2,7.4999999999999997E-2,null,0.03,null,7.4999999999999997E-2]
[null,"15 < dur ≤ 20",15,8.9999999999999993E-3,1.0999999999999999E-2,1.4E-2,2.5000000000000001E-2,4.4999999999999998E-2,7.4999999999999997E-2,7.4999999999999997E-2,null,0.03,null,7.4999999999999997E-2]
[null,"20 < dur",20,8.9999999999999993E-3,1.0999999999999999E-2,1.4E-2,2.5000000000000001E-2,4.4999999999999998E-2,7.4999999999999997E-2,7.4999999999999997E-2,null,0.03,null,7.4999999999999997E-2]
[]
[]
[null,"DefaultCorr                         ","Type 1","Type 2"]
[null,"Type 1",1,{"$f":"$C$156","v":0.75}]
[null,"Type 2",0.75,1]
[]
[]
[null,"NLCorr (200)                                   ","Premium","Lapse","Catastrophe",null,null,null,null,"HealthCorr (200)                                   *","Premium","Lapse","Catastrophe"]
[null,"Premium_Reserve",1,{"$f":"TRANSPOSE(C161:C$162)","v":0},0.25,null,null,null,null,"Premium_Reserve",1,{"$f":"TRANSPOSE(K161:K$162)","v":0},0.25]
[null,"Lapse",0,1,{"$f":"TRANSPOSE(D162:D$162)","v":0},null,null,null,null,"Lapse",0,1,{"$f":"TRANSPOSE(L162:L$162)","v":0.25}]
[null,"Catastrophe",0.25,0,1,null,null,null,null,"Catastrophe",0.25,0.25,1]
[]
[]
[null,"NLCorr (10)                               ","Premium","Lapse","Catastrophe",null,null,null,null,"HealthCorr (10)                                     *","Premium","Lapse","Catastrophe"]
[null,"Premium_Reserve",1,0,0,null,null,null,null,"Premium_Reserve",1,0,0]
[null,"Lapse",0,1,0,null,null,null,null,"Lapse",0,1,0]
[null,"Catastrophe",0,0,1,null,null,null,null,"Catastrophe",0,0,1]
[]
[]
[]
[]
[null,"CorrPR (200)                                 ",1,2,3,4,5,6,7,8,9,10,11,12]
[null,"1. Motor Vehicle Liability",1,0.5,0.5,0.25,0.5,0.25,0.5,0.25,0.5,0.25,0.25,0.25]
[null,"2. Other Motor",0.5,1,0.25,0.25,0.25,0.25,0.5,0.5,0.5,0.25,0.25,0.25]
[null,"3. Marine, Aviation & Transport (MAT)",0.5,0.25,1,0.25,0.25,0.25,0.25,0.5,0.5,0.25,0.5,0.25]
[null,"4. Fire & Other Damage to Property",0.25,0.25,0.25,1,0.25,0.25,0.25,0.5,0.5,0.25,0.5,0.5]
[null,"5. General Liability",0.5,0.25,0.25,0.25,1,0.5,0.5,0.25,0.5,0.5,0.25,0.25]
[null,"6. Credit & Suretyship",0.25,0.25,0.25,0.25,0.5,1,0.5,0.25,0.5,0.5,0.25,0.25]
[null,"7. Legal Expenses",0.5,0.5,0.25,0.25,0.5,0.5,1,0.25,0.5,0.5,0.25,0.25]
[null,"8. Assistance",0.25,0.5,0.5,0.5,0.25,0.25,0.25,1,0.5,0.25,0.25,0.5]
[null,"9. Miscellaneous Financial Loss",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,0.25,0.5,0.25]
[null,"10. NP reinsurance - Casualty",0.25,0.25,0.25,0.25,0.5,0.5,0.5,0.25,0.25,1,0.25,0.25]
[null,"11. NP reinsurance - MAT",0.25,0.25,0.5,0.5,0.25,0.25,0.25,0.25,0.5,0.25,1,0.25]
[null,"12. NP reinsurance - Property",0.25,0.25,0.25,0.5,0.25,0.25,0.25,0.5,0.25,0.25,0.25,1]
[]
[]
[null,"CorrPR (10)                             ",1,2,3,4,5,6,7,8,9,10,11,12]
[null,"1. Motor Vehicle Liability",1,{"$f":"D174-0.25","v":0.25},{"$f":"E174-0.25","v":0.25},0,{"$f":"G174-0.25","v":0.25},0,{"$f":"I174-0.25","v":0.25},0,{"$f":"K174-0.25","v":0.25},0,0,0]
[null,"2. Other Motor",{"$f":"C175-0.25","v":0.25},1,0,0,0,0,{"$f":"I175-0.25","v":0.25},0.25,0.25,0,0,0]
[null,"3. Marine, Aviation & Transport (MAT)",{"$f":"C176-0.25","v":0.25},0,1,0,0,0,{"$f":"I176-0.25","v":0},0.25,0.25,0,0.25,0]
[null,"4. Fire & Other Damage to Property",0,0,{"$f":"E177-0.25","v":0},1,0,0,{"$f":"I177-0.25","v":0},0.25,0.25,0,0.25,0.25]
[null,"5. General Liability",0.25,0,0,{"$f":"F178-0.25","v":0},1,{"$f":"H178-0.25","v":0.25},{"$f":"I178-0.25","v":0.25},0,0.25,0.25,0,0]
[null,"6. Credit & Suretyship",0,0,0,{"$f":"F179-0.25","v":0},0.25,1,{"$f":"I179-0.25","v":0.25},0,0.25,0.25,0,0]
[null,"7. Legal Expenses",0.25,0.25,0,{"$f":"F180-0.25","v":0},0.25,0.25,1,0,0.25,0.25,0,0]
[null,"8. Assistance",0,0.25,0.25,0.25,0,0,0,1,0.25,0,0,0.25]
[null,"9. Miscellaneous Financial Loss",0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,1,{"$f":"L182-0.25","v":0},{"$f":"M182-0.25","v":0.25},{"$f":"N182-0.25","v":0}]
[null,"10. NP reinsurance - Casualty",0,0,0,0,0.25,0.25,0.25,0,0,1,{"$f":"M183-0.25","v":0},{"$f":"N183-0.25","v":0}]
[null,"11. NP reinsurance - MAT",0,0,0.25,0.25,0,0,0,0,0.25,0,1,{"$f":"N184-0.25","v":0}]
[null,"12. NP reinsurance - Property",0,0,0,0.25,0,0,0,0.25,0,0,0,1]
[]
[]
[null,"CorrCAT (200)     ","Natural","NP Prop.","Man-Made","Other"]
[null,"Natural",1,{"$f":"TRANSPOSE(C205:C$207)","v":1},0,0]
[null,"NP Prop.",1,1,{"$f":"TRANSPOSE(D206:D$207)","v":0},0]
[null,"Man-Made",0,0,1,{"$f":"TRANSPOSE(E207:E$207)","v":0}]
[null,"Other",0,0,0,1]
[]
[]
[null,"CorrCAT (10)                        ","Natural","NP Prop.","Man-Made","Other"]
[null,"Natural",1,{"$f":"TRANSPOSE(C$212:C214)","v":0.75},0,0]
[null,"NP Prop.",0.75,1,{"$f":"TRANSPOSE(D$213:D214)","v":0},0]
[null,"Man-Made",0,0,1,{"$f":"E214","v":0}]
[null,"Other",0,0,0,1]
[]
[]
[null,"CorrLiab (200)                       ",1,2,3,4,5]
[null,"1. Professional Malpractice Liability",1,{"$f":"TRANSPOSE(C219:C$222)","v":0},0.5,0.25,0.5]
[null,"2. Employers Liability",0,1,{"$f":"TRANSPOSE(D220:D$222)","v":0},0.25,0.5]
[null,"3. Directors and Officers",0.5,0,1,{"$f":"TRANSPOSE(E221:E$222)","v":0.25},0.5]
[null,"4. Personal Liability",0.25,0.25,0.25,1,{"$f":"TRANSPOSE(F222:F$222)","v":0.5}]
[null,"5. Non-Proportional Reinsurance",0.5,0.5,0.5,0.5,1]
[]
[]
[null,"CorrLiab (10)                     ",1,2,3,4,5]
[null,"1. Professional Malpractice Liability",1,0,0.25,0,0.25]
[null,"2. Employers Liability",0,1,0,0,0.25]
[null,"3. Directors and Officers",0.25,0,1,0,0.25]
[null,"4. Personal Liability",0,0,0,1,0.25]
[null,"5. Non-Proportional Reinsurance",0.25,0.25,0.25,0.25,1]
[]
[]
[null,"CorrOther (200)                          ",1,2,3,4,5]
[null,"1. Transport (other than marine/aviation)",1,{"$f":"TRANSPOSE(C235:C$238)","v":1},0,0,0]
[null,"2. NP Transport",1,1,{"$f":"TRANSPOSE(D236:D$238)","v":0},0,0]
[null,"3. Miscellaneous Financial Loss",0,0,1,{"$f":"TRANSPOSE(E237:E$238)","v":0},0]
[null,"4. NP Casualty",0,0,0,1,{"$f":"TRANSPOSE(F238:F$238)","v":0}]
[null,"5. NP Credit & Suretyship",0,0,0,0,1]
[]
[]
[null,"CorrOther (10)                  ",1,2,3,4,5]
[null,"1. Transport (other than marine/aviation)",1,0.75,0,0,0]
[null,"2. NP Transport",0.75,1,0,0,0]
[null,"3. Miscellaneous Financial Loss",0,0,1,0,0]
[null,"4. NP Casualty",0,0,0,1,0]
[null,"5. NP Credit & Suretyship",0,0,0,0,1]
[]
[]
[null,"CorrPR_Health (200)           ",1,2,3,4]
[null," 1  - Medical expense & Prop. Reins.",1,0.5,0.5,0.5]
[null," 2  - Income Protection & Prop. Reins.",0.5,1,0.5,0.5]
[null," 3  - Workers' compensation & Prop. Reins.",0.5,0.5,1,0.5]
[null," 4 - Non-prop. reinsurance - Health",0.5,0.5,0.5,1]
[]
[]
[null,"CorrPR_Health (10)                     ",1,2,3,4]
[null," 1  - Medical expense & Prop. Reins.",1,0.25,0.25,0.25]
[null," 2  - Income Protection & Prop. Reins.",0.25,1,0.25,0.25]
[null," 3  - Workers' compensation & Prop. Reins.",0.25,0.25,1,0.25]
[null," 4 - Non-prop. reinsurance - Health",0.25,0.25,0.25,1]
[]
[]
[null,"Premium & Reserve Risks - Non-Life & Non-SLT Health theta factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Theta factor",null,null,3,{"$f":"IF(Type_of_business=Data!C264,Data!C265,IF(Type_of_business=Data!D264,Data!D265,IF(Type_of_business=Data!E264,Data!E265,\"\")))","v":3}]
[]
[null,"Lapse Risks - Non-Life & Non-SLT Health"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"lapse risk stress",null,null,0.4,{"$f":"IF(Type_of_business=Data!C268,Data!C269,IF(Type_of_business=Data!D268,Data!D269,IF(Type_of_business=Data!E268,Data!E269,\"\")))","v":0.4}]
[]
[null,"Catastrophe Risks - Non-life underwriting"]
[]
[null,"Natural Catastrophe Risks - Theta factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Windstorm",null,null,1.75,{"$f":"IF(Type_of_business=Data!C$274,Data!C275,IF(Type_of_business=Data!D$274,Data!D275,IF(Type_of_business=Data!E$274,Data!E275,\"\")))","v":1.75}]
[null,"Earthquake",null,null,1.2,{"$f":"IF(Type_of_business=Data!C$274,Data!C276,IF(Type_of_business=Data!D$274,Data!D276,IF(Type_of_business=Data!E$274,Data!E276,\"\")))","v":1.2}]
[null,"Flood",null,null,1.1000000000000001,{"$f":"IF(Type_of_business=Data!C$274,Data!C277,IF(Type_of_business=Data!D$274,Data!D277,IF(Type_of_business=Data!E$274,Data!E277,\"\")))","v":1.1000000000000001}]
[null,"Hail",null,null,0.3,{"$f":"IF(Type_of_business=Data!C$274,Data!C278,IF(Type_of_business=Data!D$274,Data!D278,IF(Type_of_business=Data!E$274,Data!E278,\"\")))","v":0.3}]
[null,"Subsidence",null,null,5.0000000000000001E-4,{"$f":"IF(Type_of_business=Data!C$274,Data!C279,IF(Type_of_business=Data!D$274,Data!D279,IF(Type_of_business=Data!E$274,Data!E279,\"\")))","v":5.0000000000000001E-4}]
[]
[null,"Catastrophe Risk of Non-Prop. Reinsurance - Theta factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"NP Property",null,null,2.5,{"$f":"IF(Type_of_business=Data!C$282,Data!C283,IF(Type_of_business=Data!D$282,Data!D283,IF(Type_of_business=Data!E$282,Data!E283,\"\")))","v":2.5}]
[]
[null,"Man-made Catastrophe Risk - Theta factors"]
[null,"Motor - Theta factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Motor",null,null,{"$f":"50000/1000","v":50},{"$f":"IF(Type_of_business=Data!C287,Data!C288,IF(Type_of_business=Data!D287,Data!D288,IF(Type_of_business=Data!E287,Data!E288,\"\")))","v":50}]
[null,"Marine - Theta factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Tanker",null,null,1,{"$f":"IF(Type_of_business=Data!C$290,Data!C291,IF(Type_of_business=Data!D$290,Data!D291,IF(Type_of_business=Data!E$290,Data!E291,\"\")))","v":1}]
[null,"Platform",null,null,1,{"$f":"IF(Type_of_business=Data!C$290,Data!C292,IF(Type_of_business=Data!D$290,Data!D292,IF(Type_of_business=Data!E$290,Data!E292,\"\")))","v":1}]
[null,"Aviation - Theta factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Aviation",null,null,1,{"$f":"IF(Type_of_business=Data!C294,Data!C295,IF(Type_of_business=Data!D294,Data!D295,IF(Type_of_business=Data!E294,Data!E295,\"\")))","v":1}]
[null,"Fire - Theta factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Fire",null,null,1,{"$f":"IF(Type_of_business=Data!C297,Data!C298,IF(Type_of_business=Data!D297,Data!D298,IF(Type_of_business=Data!E297,Data!E298,\"\")))","v":1}]
[null,"Liability - Theta factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Liab1",null,null,1,{"$f":"IF(Type_of_business=Data!C$300,Data!C301,IF(Type_of_business=Data!D$300,Data!D301,IF(Type_of_business=Data!E$300,Data!E301,\"\")))","v":1}]
[null,"Liab2",null,null,1.6,{"$f":"IF(Type_of_business=Data!C$300,Data!C302,IF(Type_of_business=Data!D$300,Data!D302,IF(Type_of_business=Data!E$300,Data!E302,\"\")))","v":1.6}]
[null,"Liab3",null,null,1.6,{"$f":"IF(Type_of_business=Data!C$300,Data!C303,IF(Type_of_business=Data!D$300,Data!D303,IF(Type_of_business=Data!E$300,Data!E303,\"\")))","v":1.6}]
[null,"Liab4",null,null,1,{"$f":"IF(Type_of_business=Data!C$300,Data!C304,IF(Type_of_business=Data!D$300,Data!D304,IF(Type_of_business=Data!E$300,Data!E304,\"\")))","v":1}]
[null,"Liab5",null,null,2.1,{"$f":"IF(Type_of_business=Data!C$300,Data!C305,IF(Type_of_business=Data!D$300,Data!D305,IF(Type_of_business=Data!E$300,Data!E305,\"\")))","v":2.1}]
[null,"Credit & Suretyship - Theta factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Default",null,null,1,{"$f":"IF(Type_of_business=Data!C$307,Data!C308,IF(Type_of_business=Data!D$307,Data!D308,IF(Type_of_business=Data!E$307,Data!E308,\"\")))","v":1}]
[null,"Recession",null,null,1,{"$f":"IF(Type_of_business=Data!C$307,Data!C309,IF(Type_of_business=Data!D$307,Data!D309,IF(Type_of_business=Data!E$307,Data!E309,\"\")))","v":1}]
[]
[null,"Other NL Catastrophe Risks - Theta factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Other1",null,null,1,{"$f":"IF(Type_of_business=Data!C$312,Data!C313,IF(Type_of_business=Data!D$312,Data!D313,IF(Type_of_business=Data!E$312,Data!E313,\"\")))","v":1}]
[null,"Other2",null,null,2.5,{"$f":"IF(Type_of_business=Data!C$312,Data!C314,IF(Type_of_business=Data!D$312,Data!D314,IF(Type_of_business=Data!E$312,Data!E314,\"\")))","v":2.5}]
[null,"Other3",null,null,0.4,{"$f":"IF(Type_of_business=Data!C$312,Data!C315,IF(Type_of_business=Data!D$312,Data!D315,IF(Type_of_business=Data!E$312,Data!E315,\"\")))","v":0.4}]
[null,"Other4",null,null,2.5,{"$f":"IF(Type_of_business=Data!C$312,Data!C316,IF(Type_of_business=Data!D$312,Data!D316,IF(Type_of_business=Data!E$312,Data!E316,\"\")))","v":2.5}]
[null,"Other5",null,null,2.5,{"$f":"IF(Type_of_business=Data!C$312,Data!C317,IF(Type_of_business=Data!D$312,Data!D317,IF(Type_of_business=Data!E$312,Data!E317,\"\")))","v":2.5}]
[]
[null,"Catastrophe Risks - Non-SLT Health underwriting"]
[]
[null,"Pandemic Risks - Theta factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Incidence factor",null,null,7.4999999999999993E-5,{"$f":"IF(Type_of_business=Data!C322,Data!C323,IF(Type_of_business=Data!D322,Data!D323,IF(Type_of_business=Data!E322,Data!E323,\"\")))","v":7.4999999999999993E-5}]
[]
[null,"Health Mass Accident Risks/Accident Concentration - xe factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Death",null,null,0.1,{"$f":"IF(Type_of_business=Data!C$326,Data!C327,IF(Type_of_business=Data!D$326,Data!D327,IF(Type_of_business=Data!E$326,Data!E327,\"\")))","v":0.1}]
[null,"Permanent disability",null,null,1.4999999999999999E-2,{"$f":"IF(Type_of_business=Data!C$326,Data!C328,IF(Type_of_business=Data!D$326,Data!D328,IF(Type_of_business=Data!E$326,Data!E328,\"\")))","v":1.4999999999999999E-2}]
[null,"10-year disability",null,null,0.05,{"$f":"IF(Type_of_business=Data!C$326,Data!C329,IF(Type_of_business=Data!D$326,Data!D329,IF(Type_of_business=Data!E$326,Data!E329,\"\")))","v":0.05}]
[null,"12-month disability",null,null,0.13500000000000001,{"$f":"IF(Type_of_business=Data!C$326,Data!C330,IF(Type_of_business=Data!D$326,Data!D330,IF(Type_of_business=Data!E$326,Data!E330,\"\")))","v":0.13500000000000001}]
[null,"Medical treatment",null,null,0.3,{"$f":"IF(Type_of_business=Data!C$326,Data!C331,IF(Type_of_business=Data!D$326,Data!D331,IF(Type_of_business=Data!E$326,Data!E331,\"\")))","v":0.3}]
[]
[]
[null,"Operational Risks - Non-Life & Non-SLT Health"]
[null,"Op(premium) factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Factor 1",null,null,0.03,{"$f":"IF(Type_of_business=Data!C$336,Data!C337,IF(Type_of_business=Data!D$336,Data!D337,IF(Type_of_business=Data!E$336,Data!E337,\"\")))","v":0.03}]
[null,"Factor 2",null,null,1.2,{"$f":"IF(Type_of_business=Data!C$336,Data!C338,IF(Type_of_business=Data!D$336,Data!D338,IF(Type_of_business=Data!E$336,Data!E338,\"\")))","v":1.2}]
[null,"Op(provisions) factors"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Factor 1",null,null,0.03,{"$f":"IF(Type_of_business=Data!C340,Data!C341,IF(Type_of_business=Data!D340,Data!D341,IF(Type_of_business=Data!E340,Data!E341,\"\")))","v":0.03}]
[]
[]
[null,"Market Risks - Non-life & NSLT Health underwriting"]
[]
[null,"Equity Risk"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Type 1 Equity stress",null,null,0.39,{"$f":"IF(Type_of_business=Data!C$347,Data!C348,IF(Type_of_business=Data!D$347,Data!D348,IF(Type_of_business=Data!E$347,Data!E348,\"\")))","v":0.39}]
[null,"Type 2 Equity stress",null,null,0.49,{"$f":"IF(Type_of_business=Data!C$347,Data!C349,IF(Type_of_business=Data!D$347,Data!D349,IF(Type_of_business=Data!E$347,Data!E349,\"\")))","v":0.49}]
[null,"Property Risk"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"lapse risk stress",null,null,0.25,{"$f":"IF(Type_of_business=Data!C351,Data!C352,IF(Type_of_business=Data!D351,Data!D352,IF(Type_of_business=Data!E351,Data!E352,\"\")))","v":0.25}]
[null,"Currency Risk"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"currency stress",null,null,0.25,{"$f":"IF(Type_of_business=Data!C354,Data!C355,IF(Type_of_business=Data!D354,Data!D355,IF(Type_of_business=Data!E354,Data!E355,\"\")))","v":0.25}]
[]
[null,"Simplified Credit Spread Risk factors"]
[null,"Bonds with credit ratings"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"CQS_0",null,null,8.9999999999999993E-3,{"$f":"IF(Type_of_business=Data!C$359,Data!C360,IF(Type_of_business=Data!D$359,Data!D360,IF(Type_of_business=Data!E$359,Data!E360,\"\")))","v":8.9999999999999993E-3}]
[null,"CQS_1",null,null,1.0999999999999999E-2,{"$f":"IF(Type_of_business=Data!C$359,Data!C361,IF(Type_of_business=Data!D$359,Data!D361,IF(Type_of_business=Data!E$359,Data!E361,\"\")))","v":1.0999999999999999E-2}]
[null,"CQS_2",null,null,1.4E-2,{"$f":"IF(Type_of_business=Data!C$359,Data!C362,IF(Type_of_business=Data!D$359,Data!D362,IF(Type_of_business=Data!E$359,Data!E362,\"\")))","v":1.4E-2}]
[null,"CQS_3",null,null,2.5000000000000001E-2,{"$f":"IF(Type_of_business=Data!C$359,Data!C363,IF(Type_of_business=Data!D$359,Data!D363,IF(Type_of_business=Data!E$359,Data!E363,\"\")))","v":2.5000000000000001E-2}]
[null,"CQS_4",null,null,4.4999999999999998E-2,{"$f":"IF(Type_of_business=Data!C$359,Data!C364,IF(Type_of_business=Data!D$359,Data!D364,IF(Type_of_business=Data!E$359,Data!E364,\"\")))","v":4.4999999999999998E-2}]
[null,"CQS_5",null,null,7.4999999999999997E-2,{"$f":"IF(Type_of_business=Data!C$359,Data!C365,IF(Type_of_business=Data!D$359,Data!D365,IF(Type_of_business=Data!E$359,Data!E365,\"\")))","v":7.4999999999999997E-2}]
[null,"CQS_6",null,null,7.4999999999999997E-2,{"$f":"IF(Type_of_business=Data!C$359,Data!C366,IF(Type_of_business=Data!D$359,Data!D366,IF(Type_of_business=Data!E$359,Data!E366,\"\")))","v":7.4999999999999997E-2}]
[null,"Bonds without credit ratings"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"unrated",null,null,0.03,{"$f":"IF(Type_of_business=Data!C$368,Data!C369,IF(Type_of_business=Data!D$368,Data!D369,IF(Type_of_business=Data!E$368,Data!E369,\"\")))","v":0.03}]
[]
[]
[null,"Intangible assets risks"]
[null,"Intangible assets"]
[null,"Confidence level",null,null,"1in200","Business Type"]
[null,"Intangible asset stress",null,null,0.8,{"$f":"IF(Type_of_business=Data!C$347,Data!C375,IF(Type_of_business=Data!D$347,Data!D375,IF(Type_of_business=Data!E$347,Data!E375,\"\")))","v":0.8}]
[]
[]
[null,"Lines of Business NL (including proportional reinsurance)"]
[null,"1  - Motor Vehicle Liability & Prop. Reins."]
[null,"2  - Other Motor & Prop. Reins."]
[null,"3  - Marine, Aviation & Transport (MAT) & Prop. Reins."]
[null,"4  - Fire & Other Damage to Property & Prop. Reins."]
[null,"5  - General Liability & Prop. Reins."]
[null,"6  - Credit & Suretyship & Prop. Reins."]
[null,"7  - Legal Expenses & Prop. Reins."]
[null,"8  - Assistance & Prop. Reins."]
[null,"9  - Miscellaneous Financial Loss & Prop. Reins."]
[null,"25 - Non-prop. reinsurance - Casualty"]
[null,"26 - Non-prop. reinsurance - MAT"]
[null,"27 - Non-prop. reinsurance - Property"]
[]
[]
[null,"Lines of Business NSLT health (including proportional reinsurance)"]
[null,"10  - Medical expense & Prop. Reins."]
[null,"11  - Income Protection & Prop. Reins."]
[null,"12  - Workers' compensation & Prop. Reins."]
[null,"28 - Non-prop. reinsurance - Health"]