2023年6月8日

4分鍾讀香港——(業務線)最好是已經確認的財務實力評級(優秀)和“A”的長期發行人信用評級(優秀)的現代海洋和火災保險有限公司有限公司(羥甲基糠醛)(韓國)。這些信用評級的前景(評級)是穩定的。評級反映了羥甲基糠醛的資產負債表實力,這是最好的評估一樣強烈,以及足夠的操作性能,良好的業務概況和適當的企業風險管理。羥甲基糠醛的風險調整後的資本是評估在很強的層麵,以最好的衡量資本充足率(BCAR)。盡管相當大壓力羥甲基糠醛的資本由於可供出售證券的估值損失從2022年的利率上升,最好是預計公司的風險調整後的資本仍然支持當前的資產負債表實力評估和資本對利率的敏感性運動與IFRS的實現很大程度上解決了2023年17。羥甲基糠醛的資產負債表也評估構成了支撐其財務靈活性好,證明的成功發行的記錄混合動力和次級債券在過去幾年,以及謹慎的投資策略,專注於資產負債管理。最好是認為羥甲基糠醛的操作性能足夠,其五年平均中比和混合比率(2018 - 2022)是符合國內行業的平均水平。羥甲基糠醛的承保業績仍有利的2022年,受益於較低的汽車混合比率的降低索賠頻率在ο爆發和提高長期保險盈利能力。公司的長期保險業務有望進一步改善,隨著越來越多的傳統醫療賠償政策將達到更新周期與保險費率增加2023 - 2024年。羥甲基糠醛是第二大非壽險保險公司在韓國,有一個穩定的市場份額大約17%的總保費寫於2022年。 The company benefits from its solid business relationships with Hyundai conglomerates, including Hyundai Motor Group, which provide a steady source of business for its general insurance line. HMF maintains a diversified network of distribution channels to provide stable business growth. General agency in the long-term insurance line and the online channel in auto insurance have shown considerable expansions over the past five years. Negative rating actions could occur if HMF’s risk-adjusted capitalisation declines to a level that no longer supports the current balance sheet strength assessment, or if there is a sustained deteriorating trend in the company’s operating performance. Ratings are communicated to rated entities prior to publication. Unless stated otherwise, the ratings were not amended subsequent to that communication. This press release relates to Credit Ratings that have been published on AM Best’s website. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best’s Recent Rating Activity web page. For additional information regarding the use and limitations of Credit Rating opinions, please view Guide to Best’s Credit Ratings . For information on the proper use of Best’s Credit Ratings, Best’s Performance Assessments, Best’s Preliminary Credit Assessments and AM Best press releases, please view Guide to Proper Use of Best’s Ratings & Assessments . AM Best is a global credit rating agency, news publisher and data analytics provider specialising in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit www.ambest.com . Copyright © 2023 by A.M. Best Rating Services, Inc. and/or its affiliates. ALL RIGHTS RESERVED. Contacts