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Länsförsäkringar Alliance Annual Review Contents Länsförsäkringar Alliance Annual review Contents Introduction 1 About the Länsförsäkringar Alliance 2 The 2020 fiscal year 4 2020 in brief 6 Comment 8 About Länsförsäkringar 10 Offering 12 Our business environment 14 The brand 16 How we create value 18 Sustainability Operations 30 Non-life insurance 38 Bank 46 Life assurance and pension insurance 50 Real-estate brokerage Financial 51 Länsförsäkringar Alliance statements in figures Other 62 About Länsförsäkringar AB information 63 Definitions 64 Addresses 65 Financial calendar 2021 The Länsförsäkringar Alliance’s annual review of 2020 contains information about Länsförsäkringar’s operations in non-life insurance, banking, life assurance and pension insurance and real-estate brokerage. The sustainability section contains information about Länsförsäkringar’s work on sustainability in its customer offering and operations and in terms of its environmental and social commitment. The combined earnings of the Läns- försäkringar Alliance’s non-life insurance operations are presented on pages 52–53. This will be followed by key figures from each of the 23 regional insurance companies. Please note that from 30 December 2020, Länsförsäkringar AB’s legal name is “Gamla Länsförsäkringar AB” but is referred to as “Länsförsäkringar AB” throughout this annual review. Länsförsäkringar Alliance 2020 About the Länsförsäkringar Alliance Länsförsäkringar Alliance comprises 23 local and cus- The Länsförsäkringar Alliance is not a Group in the legal tomer-owned regional insurance companies and the sense of the term. Most of the non-life insurance busi- jointly owned Länsförsäkringar AB and its subsidiaries. ness in the Länsförsäkringar Alliance is underwritten in Customers are provided with a complete offering of the regional insurance companies. The business con- banking, insurance, pension and real-estate brokerage ducted by Länsförsäkringar AB’s non-life insurance services through the regional insurance companies. The group primarily comprises personal-risk, pet and crop starting point is local presence and decision-making. insurance. The Länsförsäkringar AB Group also manages Experience shows that local decision-making authority the Länsförsäkringar Alliance’s reinsurance cover and combined with joint strength creates substantial added assumed international reinsurance. Earnings from the value for customers. The regional insurance companies Länsförsäkringar Alliance’s non-life insurance opera- are owned by the insurance customers. There are no tions consist of the total earnings of the 23 regional external shareholders, and meeting customer needs insurance companies and the non-life insurance opera- and requirements is always the primary task. The Läns- tions of the Länsförsäkringar AB Group. Länsförsäk- försäkringar Alliance has 3.9 million customers and ringar Liv is operated according to mutual principles 7,500 employees. and is not consolidated in Länsförsäkringar AB. Offering 23 local companies 3.9 million customers Non-life insurance Bank Life assurance and pension insurance Real-estate brokerage 3.9 million customers 23 local regional insurance companies Länsförsäkringar AB Länsförsäkringar Länsförsäkringar Länsförsäkringar Länsförsäkringar Sak Försäkrings AB Bank AB Fondliv Försäkrings AB Liv Försäkrings AB Supports and supplements the Offers a broad range of banking Offers pension savings with fund Manages traditional life assurance regional insurance companies’ non- services to the regional insurance management and guarantee taken out before September 2011 life insurance offering with special- companies’ customers through management and personal-risk when the company was closed for ist products, serves as an engine Länsförsäkringar Hypotek, Läns- insurance to the regional insurance new business. for new business and is responsible försäkringar Fondförvaltning and companies’ customers. for joint reinsurance. Wasa Kredit. Rating Company Agency Long-term rating Short-term rating Länsförsäkringar Bank S&P Global Ratings A/Stable A–1 (K–1) Länsförsäkringar Bank Moody’s A1/Stable P–1 Länsförsäkringar Hypotek1) S&P Global Ratings AAA/Stable – Länsförsäkringar Hypotek1) Moody’s Aaa – Länsförsäkringar Sak S&P Global Ratings A/Stable – 1) Pertains to the company’s covered bonds. Länsförsäkringar Alliance 2020 About the Länsförsäkringar Alliance 1 The 2020 fiscal year The Länsförsäkringar Alliance’s earnings Figures in parentheses pertain to 2019 • The Länsförsäkringar Alliance’s total operating profit amounted Bonuses and discounts to customers to SEK 9.7 billion (14.5). • Operating profit for the Länsförsäkringar Alliance’s non-life insurance operations amounted to SEK 7.3 billion (12.0), after bonuses and discounts to customers amounting to SEK 1.8 SEK1.8 bn billion (1.9). • Investment income amounted to SEK 7.0 billion (13.2). Länsförsäkringar Alliance’s combined ratio • Premiums earned after ceded reinsurance rose 6% to SEK 29.4 billion (27.9). • The technical result for the Länsförsäkringar Alliance’s non-life insurance operations increased to SEK 2.9 billion (1.8). 93% Result for the regional insurance companies Technical result1) Operating profit1) SEK M 2020 2019 2020 2019 LF Norrbotten 80 35 144 170 Länsförsäkringar Västerbotten 127 122 370 685 Länsförsäkringar Jämtland 15 9 233 414 Länsförsäkringar Västernorrland -7 -23 74 121 Länsförsäkringar Gävleborg 57 -22 160 216 Dalarnas Försäkringsbolag 93 -50 741 803 Länsförsäkringar Värmland 143 13 459 403 Länsförsäkringar Uppsala 102 60 468 557 Länsförsäkringar Bergslagen 140 168 703 1,221 Länsförsäkringar Stockholm 95 72 448 749 Länsförsäkringar Södermanland 19 77 283 691 Länsförsäkringar Göteborg och Bohuslän 236 147 1,276 1,707 Länsförsäkringar Skaraborg 80 58 616 511 Länsförsäkringar Östgöta 285 101 799 1,296 Länsförsäkringar Älvsborg 270 193 1,197 1,603 Länsförsäkringar Gotland 19 64 100 224 Länsförsäkringar Jönköping 231 26 577 663 Länsförsäkringar Halland 93 62 420 483 Länsförsäkring Kronoberg 29 82 344 476 Länsförsäkringar Kalmar län 151 63 419 611 Länsförsäkringar Blekinge 55 31 145 282 Länsförsäkringar Göinge-Kristianstad 38 15 287 452 Länsförsäkringar Skåne 225 237 1,020 1,479 1) Before bonuses and discounts. 2 The 2020 fiscal year Länsförsäkringar Alliance 2020 Five-year summary Länsförsäkringar Alliance’s non-life insurance 2020 2019 2018 2017 2016 Solvency capital, SEK M 91,311 82,096 68,472 66,149 57,956 Solvency margin, % 302 288 252 253 236 Return on equity, % 7 15 3 11 8 Premiums earned after ceded reinsurance, SEK M 29,397 27,856 26,751 25,504 24,073 Technical result, SEK M 2,873 1,824 1,778 2,529 1,813 Operating profit, SEK M 7,252 12,001 2,243 7,078 4,626 Combined ratio, % 93 96 96 92 95 Länsförsäkringar AB, Group1) Operating profit, SEK M 2,726 3,003 2,351 2,825 2,286 Total assets, SEK M 613,967 572,594 506,835 473,773 421,816 Return on equity, % 8 10 9 11 10 Own funds for the group (FRL)2), SEK M 57,412 50,220 43,870 44,172 40,602 Capital requirement for the group (FRL)2), SEK M 39,186 37,9664) 33,874 33,441 30,121 Own funds for the financial conglomerate3), SEK M 57,412 50,220 43,870 44,172 40,352 Capital requirement for the financial conglomerate3), SEK M 39,186 37,9664) 33,874 33,441 30,121 Länsförsäkringar Sak, Group Premiums earned after ceded reinsurance, SEK M 6,781 6,211 5,891 5,623 5,342 Technical result, SEK M 297 283 402 977 435 Operating profit, SEK M 516 851 460 1,028 644 Solvency ratio, % (Länsförsäkringar Sak Försäkrings AB) 197 1974) 228 221 260 Länsförsäkringar Bank, Group Deposits from the public, SEK M 136,388 119,303 108,142 99,404 91,207 Loans to the public, SEK M 340,007 307,099 289,426 261,444 226,705 Operating profit, SEK M 1,844 1,893 1,510 1,599 1,467 Return on equity, % 8.5 9.5 8.3 10.0 10.1 Common Equity Tier 1 capital ratio, % 14.9 13.9 14.2 24.35) 24.85) Länsförsäkringar Fondliv AB Premium income, SEK M 12,228 9,478 9,010 9,133 8,637 Net profit for the year, SEK M 705 749 681 604 516 Managed assets, SEK M 170,953 158,827 125,805 128,140 114,450 Solvency ratio, % 144 137 135 152 150 Länsförsäkringar Liv Premium income, SEK M 1,191 1,539 1,684 1,533 1,720 Net profit for the year, SEK M 1,586 5,567 609 3,121 2,359 Solvency ratio, % 195 211 200 207 195 1) Excluding Länsförsäkringar Liv Försäkrings AB, which is operated in accordance with mutual principles. As per 30 December 2020 Länsförsäkringar AB’s legal name is “Gamla Länsförsäkringar AB” but is referred to as “Länsförsäkringar AB” throughout this annual review. 2) According to Swedish Insurance Business Act (FRL), the Solvency II directive in Swedish law. 3) The financial conglomerate comprises Länsförsäkringar AB, all insurance companies in the Group, Länsförsäkringar Bank AB with subsidiaries and Länsförsäkringar Liv Försäkrings AB. 4) Restated according to revised method from 31 December 2019 for risk absorption in deferred tax item when calculating capital requirements. 5) Risk weight floor for mortgages in Pillar II. Länsförsäkringar Alliance 2020 The 2020 fiscal year 3 2020 in brief Länsförsäkringar and COVID-19 2020 was a year unlike any other. The COVID-19 pandemic has deeply affected many people. It is vitally important in this uncer- Strong brand Most innovative tain global situation that Länsförsäkringar remains available to company in the its customers and meets its promise of making everyday life sim- Länsförsäkringar was named Sweden’s strongest brand in pler for customers and contributing to a secure future. We finance industry insurance at the Swedish Brand believe in the strength of being part of something bigger than Award for the seventh consecu- According to the Swedish Inno- ourselves. Supporting each other and working together toward tive year. Länsförsäkringar also vation Index, Länsförsäkringar common goals – the importance of social responsibility was very had the highest reputation in the was the most innovative company clear in 2020.
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