Wednesday, 27 May 2015

Understanding Underwriting Risks

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UNDERWRITING RISK Ask staffs in an insurer what are risks associated with underwriting risks and chances are you will get "the risk fa...

China's Credit Risk Exposure

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CHINA'S  NPL INCREASES TO FIVE-YEAR HIGH Since FY 11 to FY15 Q1, NPLs in China are on an upward trend with NPL of four largest banks ...
Wednesday, 6 May 2015

[Framework] Managing Tail-Risk Events

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BACKGROUND Tail-risk events are extreme events such as flood, storms and market crashes which can erode an insurer's capital and profit...

Relative Loss Ratios Using One Way Method

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BACKGROUND The pricing of a policy are highly dependent on the characteristics of the individual to whom the policy is sold. The character...
Tuesday, 14 April 2015

Asset Management Portfolio Diversification

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BACKGROUND Here is an article highlighting the need for life insurers to “broaden their horizons” due to low-yield returns in existing in...
Sunday, 5 April 2015

Claims Management Practices

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BACKGROUND Here are two articles highlighting practices in the insurance claims process.  The first article listed the findings by the Fi...

Innovation in General Insurance Underwriting

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BACKGROUND An article discussing and providing points for insurers to innovate in view of stiff competitions, record capacity levels and r...
Wednesday, 1 April 2015

Generalized Linear Model For Life Insurance

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PURPOSE Some traditional one-way  pricing methods do not factor in effects of correlations in the data leading to mispricing of relevant r...
Tuesday, 17 March 2015

Banking Innovations - Part 5 - Regulations, Landscape, Gaps, and Risk Management

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This post covers Regulations, Landscape, Gaps, and Risk Management in the fintech industry.
Tuesday, 10 March 2015

Banking Innovations - Part 4 - Australia and Banking Initiatives

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This post covers Australia with an analysis of their Fintech companies and initiatives by banks.
Tuesday, 3 March 2015

Banking Innovations - Part 3 - Asia and Africa

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This post covers Asia and Africa with an analysis of their Fintech companies.
Sunday, 1 March 2015

Banking Innovations - Part 2 - USA and Europe

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This post covers USA and Europe with an analysis of their Fintech companies.
Saturday, 21 February 2015

Banking Innovations - Part 1 - White Paper on Trends and Purpose

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1. Banking Innovation is a global growth‐sector. There are three types of banking innovations (on  top of the regular IT investments done by...
Saturday, 14 February 2015

White Paper on Asia Insurance Market Report 2014

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1. Asia continues to be a region of contradictions and opposing dynamics, with markets that are extremely developed, markets that are truly ...
Tuesday, 10 February 2015

White Paper on Kidnap and Ransom Insurance

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1. Cognizant published a white paper discussing Kidnap and Ransom Insurance at an Inflection Point. 2. The number of kidnappings in the wo...
Thursday, 5 February 2015

Life Expectency & Mortality

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 LIFE EXPECTANCY AND MORTALITY This post will provide basic Information on life expectancy and mortality (death)and how to   account for d...
Saturday, 31 January 2015

South Africa's Cabinet Approves White Paper on Health Insurance

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1. in December 2015 South Africa’s cabinet approved a policy white paper on a compulsory health-  insurance plan.
Tuesday, 20 January 2015

Managing General Insurance Management Expenses

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BACKGROUND Management Expense ratios for an insurance company refers to the percentage of premium used to pay the costs of acquiring, wri...

Insurance Financial Ratios

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BACKGROUND Below are some financial ratios relevant to the insurance management process and provides a rough idea of how management are run...
Thursday, 1 January 2015

Interest Rate Models for Insurers

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BACKGROUND This post briefly describes how interest rates affects life and general insurers and plausible models to predict future short te...