Magazine

Read the latest edition of AIR and MEIR as an Interactive e-book

Oct 2014

Cover Story


Challenges of regulations: More certainty in risk taking

Regulators are setting standards that embrace the underlying principles of solvency management, risk management and consumer protection even in Asia. They come in various acronyms too from ComFrame, C-ROSS, FAIR, LAGIC, RBC and Solvency II going alphabetically, and the big boys have concerns about being labelled a G-SII. All this puts insurers under higher accountability and capital standards as well as bringing more certainty to risk taking. So what are the opportunities in these challenges for insurers as they adjust to new realities?

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Challenges of regulations: Risk-oriented regulation strengthening Asian insurance markets

Following the financial crisis, the topic of risk management has become a key issue in the financial world. Many insurance companies are moving towards a comprehensive and holistic risk management system incorporating classical risk management objectives and aiming to support crucial business decisions. The two reasons for this trend are: improvements in business management, and the move towards risk-based supervisory regimes worldwide. Australia's LAGIC, Europe's Solvency II, Singapore's RBC 2 and China's C-ROSS are cases in point. Dr Juergen Duemont of Munich Re and member of the Insurance Europe Solvency II Steering Group, highlights how projections and scenarios can vastly improve risk management.

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Challenges of regulations: IAIS and global insurance developments - The effect on Asian insurers

Increased regulatory scrutiny is the order of the day for insurance firms, regardless of their size. Mr Rob Curtis of KPMG Australia explains the objectives of these various regulations which include ComFrame and Backstop Capital Requirements (BCR) as well as the issues they present to the insurers.

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Challenges of regulations: What the finalised IFRS 9 means to insurers

Insurers reporting under International Financial Reporting Standards (IFRSs) continue to face a steady flow of new standards and interpretations. The IASB decided that the mandatory effective date of IFRS 9 will be for annual periods beginning on or after 1 January 2018. The mandatory effective date of IFRS 9 will not depend on the completion of the new insurance contracts standard which could potentially mean that insurers would need to assess their classification and measurement under IFRS 9 twice. Mr Lee Yin Toa of EY describes the impact for insurers in the implementation of new measurement requirements for assets under IFRS 9.


Challenges of regulations: All boils down to governance and risk management

Governance and risk management are key at the IAIS Annual Conference to be held in Amsterdam this autumn on 23 and 24 October 2014. De Nederlandsche Bank (DNB) is the proud host of this 21st Annual Conference of the International Association of Insurance Supervisors (IAIS).

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