EMEA insurance outlook 2022 : fighting fit for 2022
<?xml version="1.0" encoding="UTF-8"?><modsCollection xmlns="http://www.loc.gov/mods/v3" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-8.xsd">
<mods version="3.8">
<titleInfo>
<title>EMEA insurance outlook 2022</title>
<subTitle>: fighting fit for 2022</subTitle>
</titleInfo>
<name type="personal" usage="primary" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20210036231">
<namePart>Kudszus, Volker</namePart>
<nameIdentifier>MAPA20210036231</nameIdentifier>
</name>
<name type="corporate" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20200002451">
<namePart>S&P Global</namePart>
<nameIdentifier>MAPA20200002451</nameIdentifier>
</name>
<typeOfResource>text</typeOfResource>
<originInfo>
<place>
<placeTerm type="code" authority="marccountry">usa</placeTerm>
</place>
<issuance>monographic</issuance>
<place>
<placeTerm type="text">New York</placeTerm>
</place>
<publisher>S&P Global Ratings</publisher>
<dateIssued>2021</dateIssued>
</originInfo>
<language>
<languageTerm type="code" authority="iso639-2b">eng</languageTerm>
</language>
<physicalDescription>
<form authority="marcform">print</form>
<extent>21 p.</extent>
</physicalDescription>
<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>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080586294">
<topic>Mercado de seguros</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080590567">
<topic>Empresas de seguros</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080611880">
<topic>Perspectivas del seguro</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080611897">
<topic>Perspectivas económicas</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080596606">
<topic>Evolución del seguro</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080552022">
<topic>Pandemias</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20200005599">
<topic>COVID-19</topic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080637743">
<geographic>Europa</geographic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20090034457">
<geographic>Oriente Medio</geographic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20090034464">
<geographic>África</geographic>
</subject>
<classification authority="">219</classification>
<recordInfo>
<recordContentSource authority="marcorg">MAP</recordContentSource>
<recordCreationDate encoding="marc">211123</recordCreationDate>
<recordChangeDate encoding="iso8601">20211130164117.0</recordChangeDate>
<recordIdentifier source="MAP">MAP20210033537</recordIdentifier>
<languageOfCataloging>
<languageTerm type="code" authority="iso639-2b">spa</languageTerm>
</languageOfCataloging>
</recordInfo>
</mods>
</modsCollection>