EMEA insurance outlook 2022 : fighting fit for 2022

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      <subfield code="a">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.</subfield>
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