Annual Report IPF 2021 - Flipbook - Side 39
INDUSTRIENS PENSIONSFORSIKRING A/S
14.
ANNUAL REPORT 2021
NOTES
Life-assurance provisions at average rate
DKK mill.
Life-assurance provisions at average rate 1 January
31.12.2021
31.12.2020
7,451
7,518
-1.292
-1.818
-260
-499
5,899
5,200
1
1
Addition of interest
201
1,177
Insurance benefits
-477
-457
-5
-5
Collective bonus potential 1 January
Accumulated value adjustments 1 January
Breakdown of life-assurance provisions at the highest guaranteed interest rate on policy, 31 December 2021
Guaranteed benefits
Retrospective provisions 1 January
Gross premiums
Costs supplement after addition of costs bonus
Risk result after addition of risk bonus
Transferred to/from life-assurance provisions at market rate
Distribution from special bonus provision
0
-22
10
5
0
0
Accumulated value adjustment carried forward
Collective bonus potential carried forward
2.50%
Total
5,330
3,615
767
948
296
1
102
399
Collective bonus potential
1,168
230
314
1,712
Life-assurance provisions 31 December 2021
5.079
998
1,364
7,441
Breakdown of life-assurance provisions at the highest guaranteed interest rate on policy, 31 December 2020
0.00%
1.50%
2.50%
Total
4,048
826
1,086
5,960
5,630
5,899
Individual bonus potential
141
-
59
200
99
260
Collective bonus potential
878
173
240
1,292
1,712
1,292
5,067
1,000
1,385
7,451
Life-assurance provisions 31 December 2020
Life-assurance provisions at average rate carried forward
7,441
7,451
Return before tax
7.5%
6.3%
Ratio of bonus potential to provisions
37%
25%
Return on customer funds after costs and tax
7.5%
6.2%
46
138
The risk margin has been recognised in life-assurance provisions at
1.50%
Individual bonus potential
Guaranteed benefits
Retrospective provisions carried forward
0.00%
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