Insurance: Solvency Capital Requirement (SCR) ratio in Europe Q2 2023, by country

In the second quarter of 2023, the German insurance industry had Solvency Capital Requirement (SCR) ratio of three. It had the highest SCR ratio among all EU countries. In addition to the SCR ratio, insurers must also calculate minimum capital requirement (MCR). The MRC is essentially a tipping point in which, if an insurer falls below, the authorization of an insurer could be withdrawn. Profitability of insurers The combined ratio, which is the sum of claims and expenses incurred divided by premiums earned, is a measure of profitability used by insurance companies to see how efficiently they are running their business. The combined ratio can be displayed as a measure of 1 or as a percentage of 100. Insurance markets with a ratio of over 1 means that companies are paying out more in claims than they are receiving through premiums earned. The expense ratio is another measure of profitability and is calculated as the sum of expenses divided by premiums earned.

于2023年第二季度，德国保险行业实现了偿付能力资本要求（SCR）比率为三，该比率在欧盟所有国家中居于最高。除了SCR比率之外，保险公司还需计算最低资本要求（MCR）。MCR本质上是一个临界点，若保险公司低于此值，其经营许可可能被撤销。就保险公司盈利能力而言，综合比率，即索赔及发生费用之和与赚取的保费之比，是保险公司用以评估其业务运营效率的盈利性指标。综合比率可以以1的数值或100%的百分比形式呈现。比率超过1的保险市场意味着公司支付给索赔的金额超过了通过赚取的保费所收到的金额。费用比率则是另一项盈利性指标，其计算方式为费用总额与赚取的保费之比。