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Fidelidade Companhia De Seguros, S.A. Annual Report

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Fidelidade Companhia De Seguros, S.A. Annual Report ANNUAL REPORT 2018 FIDELIDADE GROUP COMPANHIA DE SEGUROS, S.A. ANNUAL REPORT 2018 20 181 ANNUAL REPORT 2018 INDEX FIDELIDADE GROUP REPORT OF THE BOARD OF DIRECTORS CONSOLIDATED ACCOUNTS P.0 3 CONSOLIDATED FINANCIAL STATEMENTS P.62 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS P.7 3 REPORT AND OPINIONS ON THE CONSOLIDATED ACCOUNTS P.266 REPORT OF THE BOARD OF DIRECTORS SEPARATE ACCOUNTS P.277 SEPARATE FINANCIAL STATEMENTS P.333 NOTES TO THE SEPARATE FINANCIAL STATEMENTS P.344 REPORT AND OPINIONS ON THE SEPARATE ACCOUNTS P.521 CORPORATE GOVERNANCE REPORT P.532 2 ANNUAL REPORT 2018 FIDELIDADE GROUP REPORT OF THE BOARD OF DIRECTORS CONSOLIDATED ACCOUNTS 3 ANNUAL REPORT 2018 FIDELIDADE GROUP 1. CORPORATE BODIES 4 ANNUAL REPORT 2018 1. CORPORATE BODIES FIDELIDADE GROUP FIDELIDADE – COMPANHIA DE SEGUROS, S.A. Presiding Board of the General Meeting Executive Committee President Chairman Nuno Azevedo Neves Jorge Manuel Baptista Magalhães Correia Secretary Vice-Chairman Paula Rodrigues Morais Rogério Miguel Antunes Campos Henriques Members Board of Directors José Manuel Alvarez Quintero António Manuel Marques de Sousa Noronha Chairman Wai Lam William Mak Jorge Manuel Baptista Magalhães Correia Jun LI Vice-Chairmen André Simões Cardoso José Manuel Alvarez Quintero Lingjiang XU Supervisory Board Members José João Guilherme Chairman Francisco Ravara Cary Pedro Antunes de Almeida João Eduardo de Noronha Gamito de Faria Members António Manuel Marques de Sousa Noronha Vasco Jorge Valdez Ferreira Matias Rogério Miguel Antunes Campos Henriques João Filipe Gonçalves Pinto Wai Lam William MAK Alternate Jun LI Isabel Gomes de Novais Paiva André Simões Cardoso Tao LI Statutory Auditors Yu PEI Ernst & Young Audit & Associados - SROC, S.A., represented by Ricardo Nuno Lopes Pinto, ROC 5 ANNUAL REPORT 2018 FIDELIDADE GROUP 2. OUR GROUP 6 ANNUAL REPORT 2018 2. OUR GROUP FIDELIDADE GROUP A. KEY INDICATORS €4,765 34.7% 9.3% Market Share (PT) Weight of International million Non-Life operation Total Premiums Written (includes amounts relating to investment contracts) Life: € 3,305 million Life: 39.1% Non-Life: € 1,460 million Non-Life: 27.5% €17.8 3,299 96.2% Employees Non-Life Combined billion Ratio Net Assets €271.6 €2,361 10.8% million million Return on Equity Net Profits Shareholders’ Equity 7 ANNUAL REPORT 2018 2. OUR GROUP FIDELIDADE GROUP B. OUR HISTORY 1997 FIDELIDADE MOVES 1800 ITS REGISTERED OFFICE TO CALHARIZ 1810-20 1816 BONANÇA ADOPTS 1998 MUNDIAL CONFIANÇA AN ANCHOR RELEASES MULTICARE’S AS ITS FIRST SYMBOL HEALTH INSURANCE 1808 FOUNDATION OF BONANÇA 1999 FIDELIDADE 1830-40 1835 FOUNDATION OF FIDELIDADE REBRANDING 1845 FIDELIDADE IS PIONEER IN LIFE INSURANCE 2000 1850-60 1850 BONANÇA INSURES REAL COMPANHIA VINÍCOLA 2001 FOUNDATION nça” OF IMPÉRIO BONANÇA, S.A. na Bo a em e v ad 2002 MERGER OF FIDELIDADE “ st Dep pe AND MUNDIAL CONFIANÇA ois m da te 1870-80 1880 CAMILO CASTELO BRANCO MENTIONS 2003 FIDELIDADE IN HIS WORK “A CORJA” 2004 RELEASE OF THE SINGLE BRAND FIDELIDADE MUNDIAL 2005 MULTICARE IS LEADER 1891 BONANÇA INSURES IN HEALTH INSURANCE 1890 THE TRAIN STATION OF ROSSIO 2006 FIDELIDADE MUNDIAL 1900 IS MARKET LEADER 2007 TAKEOVER OF COMPANHIA 1910 1913 MUNDIAL IS PIONEER PORTUGUESA DE RESSEGUROS IN INDUSTRIAL INJURY INSURANCE 1920 1930 1935 FIDELIDADE CELEBRATES ITS 1ST ANNIVERSARY 2008 LEVE PPR IS LEADER IN RETIREMENT SAVINGS 1940 1945 IMPÉRIO RELEASES THE INNOVATIVE POPULAR LIFE INSURANCE 2009 MULTICARE RELEASES 1942 IMPÉRIO INSURES HEALTH GLOBAL OFFER LARGE RISKS OF GRUPO CUF 2010 OPENING OF SHARED AGENCIES OF FIDELIDADE MUNDIAL AND IMPÉRIO BONANÇA ALL OVER THE COUNTRY 2011 START-UP OF UNIVERSAL SEGUROS 1950 1958 JOAQUIM PAÇO D’ARCOS MENTIONS FIDELIDADE IN THE BOOK “CARNAVAL” 2012 MERGER OF IMPÉRIO BONANÇA WITH FIDELIDADE MUNDIAL. CREATION OF FIDELIDADE - COMPANHIA 1960 1963 CREATION DE SEGUROS, S.A. OF THE “HOMEM IMPÉRIO” (IMPÉRIO MAN) 1970 1975 NATIONALISATION 2013 NEW BRAND LAUNCH OF THE INSURANCE SECTOR FIDELIDADE 1978 CREATION OF MUNDIAL CONFIANÇA, E.P. 1979 FOUNDATION OF GRUPO SEGURADOR FIDELIDADE, E.P. 2014 1980 1980 MERGER OF BONANÇA WITH COMMERCIO E INDÚSTRIA, UNIÃO E ULTRAMARINA ABR ACQUISITION OF GARANTIA BY FIDELIDADE 1988 FIDELIDADE GRUPO SEGURADOR, S.A., COMPENSATES FOR THE GREAT FIRE IN CHIADO MAI ACQUISITION OF FIDELIDADE BY FOSUN 1990 1990 REPRIVATISATION OUT ACQUISITION OF ESPÍRITO SANTO SAÚDE OF BONANÇA (ESPÍRITO SANTO HEALTH CARE) BY FOSUN 1992 REPRIVATISATION OF IMPÉRIO AND OF MUNDIAL CONFIANÇA 1995 CGD HOLDS THE ENTIRE SHARE CAPITAL OF FIDELIDADE 2016 8 ANNUAL REPORT 2018 2. OUR GROUP FIDELIDADE GROUP Two centuries of history have contributed to Fidelidade’s current credibility, size and solidity. Until 2000 the Portuguese insurance sector was mostly concentrated on six insurers following the reorganisation of the industry in the 1980s. More recently, after 2000, the Portuguese market began a new phase of consolidation, which gave rise to two major players in the sector: Fidelidade Mundial (FM) and Império Bonança (IB), held by two of the largest Portuguese financial groups (CGD and BCP, respectively). In 2005, CGD – the sole shareholder of Fidelidade Mundial – acquired Império Bonança, establishing the basis for a new phase in the consolidation of the market. The result was a Portuguese insurance group combining the major Portuguese insurers, enabling the creation of important synergies and consolidation of assets and unique skills within the sector. The years that followed were marked by progressive integration of the operations of the two companies culminating in the final merger of FM and IB in 2012 and the launch of the single brand, Fidelidade, in mid-2013. In 2014, the company was privatised, with the Fosun Group acquiring approximately 84.99% of Fidelidade’s capital, and the CGD Group remaining the reference shareholder with 15%. BEFORE 2000 2001-2004 2005-2012 2012-2013 2014-TODAY Fidelidade’s roots Consolidation period The sole Fidelidade 2012: Merger Fosun acquires date back to 1808, in the Portuguese Mundial shareholder between FM and IB an 85% share in with the creation of market also acquires Império becoming Market Fidelidade Bonança Bonança Leader Establishment of two Bank distribution Up until 2000, there market leaders: 2013: Launching contract with CGD were several insurers Fidelidade of the single brand for 25 years of similar size Mundial (FM) e Fidelidade with 200 Império Bonança (IB) years of history From 2014 on, Fidelidade entered a new phase of development, bolstered by support from the shareholders and focused on two priorities: consolidation of its leadership in the Portuguese market and international expansion. Applying this strategy, in 2014 the Fidelidade Group acquired Garantia, the leading insurance company in Cape Verde, and Espírito Santo Saúde, a leading healthcare provider in Portugal, now renamed Luz Saúde. 9 ANNUAL REPORT 2018 2. OUR GROUP FIDELIDADE GROUP C. ABOUT THE FIDELIDADE GROUP i. Shareholder Structure Fidelidade’s current shareholder structure is the result of the privatisation process that took place in 2014. Fosun now holds approximately 84.99% of the capital, and CGD holds 15.00%. The complementary relationship and ambition of these two shareholders of reference provide a guarantee of the stability and dynamism of the Company’s operations. Shareholder Structure Description of the Major Shareholders Fosun Chinese investment conglomerate of global dimension, focused on the insurance industry and present in several different business sectors. Caixa Geral de Depósitos Portuguese state bank, considered the largest financial institution in Portugal, with approx. 4 million clients and with presence in more than 20 countries. Fosun 84.99% Caixa Geral de Depósitos 15.00% Employees and Own Shares 0.01% ii. Group Structure The Fidelidade Group operates in the Portuguese market through its different insurance companies (Fidelidade, Via Directa and Companhia Portuguesa de Resseguro). It also has a presence in the international market through Fidelidade branches (in Spain, France, Luxembourg, Macao - Life Segment, and Mozambique) and through its insurance subsidiaries, Fidelidade Angola, Garantia and Fidelidade Macao (Non-Life segment). Fidelidade also maintains close ties with other insurance companies that have a similar shareholder structure, Multicare and Fidelidade Assistência. In both cases, these insurers operate in a fully coordinated manner with Fidelidade in order to guarantee a robust offer of products and services. Lastly, the Fidelidade Group also has strategic shares in companies providing related services, for example Luz Saúde, the leading healthcare provider group in Portugal. These interests are in line with an approach of vertical integration in the insurance sector and fit within the Group’s strategy of guaranteeing operational excellence and quality of the service provided throughout the value chain and of increasing the Group’s position as a global service provider of people protection. 10 ANNUAL REPORT 2018 2. OUR GROUP FIDELIDADE GROUP INSURANCE COMPANIES STRATEGIC HOLDINGS FIDELIDADE General Insurer 50% LUZ SAÚDE Health Care 100% 100% VIA DIRECTA Direct Insurer FIDELIDADE PROPERTY Real Estate 100% 100% Gestão de Fundos CPR Reinsurance FIDELIDADE – SGOII Imobiliários FIDELIDADE 69% 100% FIDELIDADE ANGOLA Angola GEP Loss Adjusting GROUP 56% 100% GARANTIA Cape Verde EAPS Health and Safety 100% 100% FIDELIDADE MACAU Macao CETRA Vehicle Repair FIDELIDADE ASSISTÊNCIA 100% FIDELIDADE SERVIÇOS Assistance Services Insurer specialised in assistance services
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