EMEA insurance outlook 2022 : fighting fit for 2022

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<subTitle>: fighting fit for 2022</subTitle>
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<namePart>Kudszus, Volker</namePart>
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<dateIssued>2021</dateIssued>
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<abstract displayLabel="Summary">EMEA insurers' capital surplus has largely recovered, and now stands at 92% of its prepandemiclevel. For the EMEA insurance sector in aggregate, capitalization is 9% above the 'AA' category, which supports our current ratings. Although competition is picking up in motor insurance, the non-life sector is expected to maintain solid insurance margins. Low and negative interest rates remain a burden for life insurers but, for many, we expect margins to bottom out at prepandemiclevels.</abstract>
<note type="statement of responsibility">Volker Kudszus</note>
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