Risk dashboard : July 2019

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      <subfield code="a">Risk dashboard</subfield>
      <subfield code="b">: July 2019</subfield>
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      <subfield code="a">19 p.</subfield>
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      <subfield code="a">Risk exposures for the European insurance sector remain overall stable. Macro and market risks are now at a high level due to a further decline in swap rates and lower returns on investments in 2018 which put strain on those life insurers offering guaranteed rates. The low interest rate environment remains a key risk for the insurance sector. Credit risks continue at medium level with broadly stable CDS spreads for government and corporate bonds. Profitability and solvency risks increased due to lower return on investments for life insurers observed in year-end 2018 data; SCR ratios are above 100% for most undertakings in the sample even when excluding the impact of the transitional measures. Market perceptions were marked by a performance of insurers' stocks broadly in line with overall equity markets, while median CDS spreads have slightly increased. No change was observed in insurers' external ratings and rating outlooks.</subfield>
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      <subfield code="a">Gerencia de riesgos</subfield>
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      <subfield code="a">Riesgo crediticio</subfield>
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      <subfield code="a">Valoración de riesgos</subfield>
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      <subfield code="a">Mercado de seguros</subfield>
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      <subfield code="a">Riesgo financiero</subfield>
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      <subfield code="a">Unión Europea</subfield>
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      <subfield code="a">Autoridad Europea de Seguros y Planes de Pensiones</subfield>
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