ANNUAL REPORT AND ACCOUNTS 2012 - RSA, Annual Report ...

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Italian Earthquakes The Emilia Romagna region in the north of Italy was struck by two earthquakes in May 2012, both with a magnitude of 6. These were the strongest recorded earthquakes in the region in over 500 years. A number of historical and cultural buildings were damaged and the region is also the heartland of Italy’s manufacturing sector. Our response was focused on our customers and intermediaries, and within 24 hours, we had appointed loss adjusters to some of the largest and most important property claims, and set up a dedicated claims handling team. 72 | RSA | Annual Report and Accounts 2012
FINANCIAL STATEMENTS 74 Directors’ responsibilities 75 Independent auditor’s report to the members of RSA Insurance Group plc 76 Consolidated income statement 77 Consolidated statement of comprehensive income 77 Consolidated statement of changes in equity 78 Consolidated statement of financial position 79 Consolidated statement of cashflows 80 Significant accounting policies 88 Estimation techniques, risks, uncertainties and contingencies 92 Risk management 103 Notes to the financial statements 137 Independent auditor’s report to the members of RSA Insurance Group plc 138 Parent Company statement of comprehensive income 138 Parent Company statement of changes in equity 139 Parent Company statement of financial position 140 Parent Company statement of cashflows 141 Notes to the separate financial statements Annual Report and Accounts 2012 | RSA | 73
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ANNUAL REPORT AND ACCOUNTS 2012
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INTRODUCTION This Annual Report and
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INTRODUCTION CANADA 19% of 2012 Gro
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INTRODUCTION PAY CLAIMS INVEST PRUD
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BUSINESS REVIEW 8 Chairman’s Stat
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BUSINESS REVIEW This striving for e
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BUSINESS REVIEW OUR STRATEGY I am c
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BUSINESS REVIEW • Can we differen
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BUSINESS REVIEW FINANCIAL HIGHLIGHT
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BUSINESS REVIEW INVESTMENT RESULT 2
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BUSINESS REVIEW CUSTOMER We are com
Page 23 and 24: BUSINESS REVIEW MARKET CONDITIONS C
Page 25 and 26: BUSINESS REVIEW European Specialty
Page 27 and 28: BUSINESS REVIEW MARKET CONDITIONS I
Page 29 and 30: BUSINESS REVIEW PRINCIPLES Simple o
Page 31 and 32: BUSINESS REVIEW PRINCIPAL UNCERTAIN
Page 33 and 34: BUSINESS REVIEW analysis by Forum f
Page 35 and 36: BUSINESS REVIEW Our Impacts We unde
Page 37 and 38: CORPORATE GOVERNANCE 36 Board of Di
Page 39 and 40: CORPORATE GOVERNANCE NOEL HARWERTH
Page 41 and 42: CORPORATE GOVERNANCE MIKE HOLLIDAY-
Page 43 and 44: CORPORATE GOVERNANCE The attendance
Page 45 and 46: CORPORATE GOVERNANCE operational pe
Page 47 and 48: CORPORATE GOVERNANCE European Econo
Page 49 and 50: CORPORATE GOVERNANCE Substantial Sh
Page 51 and 52: CORPORATE GOVERNANCE The Group is c
Page 53 and 54: CORPORATE GOVERNANCE The Directors
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Page 57 and 58: CORPORATE GOVERNANCE DIRECTORS’ R
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Page 61 and 62: CORPORATE GOVERNANCE SECTION 2 - RE
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Page 65 and 66: CORPORATE GOVERNANCE Director Adria
Page 67 and 68: CORPORATE GOVERNANCE 4. Other mater
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Page 79 and 80: FINANCIAL STATEMENTS CONSOLIDATED S
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Page 83 and 84: FINANCIAL STATEMENTS Associates Ass
Page 85 and 86: FINANCIAL STATEMENTS and the revers
Page 87 and 88: FINANCIAL STATEMENTS financial liab
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Page 91 and 92: FINANCIAL STATEMENTS Uncertainties
Page 93 and 94: FINANCIAL STATEMENTS Foreign exchan
Page 95 and 96: FINANCIAL STATEMENTS Reserves - an
Page 97 and 98: FINANCIAL STATEMENTS The following
Page 99 and 100: FINANCIAL STATEMENTS At 31 December
Page 101 and 102: FINANCIAL STATEMENTS At 31 December
Page 103 and 104: FINANCIAL STATEMENTS The duration a
Page 105 and 106: FINANCIAL STATEMENTS NOTES TO THE F
Page 107 and 108: FINANCIAL STATEMENTS Net written pr
Page 109 and 110: FINANCIAL STATEMENTS Other lease pa
Page 111 and 112: FINANCIAL STATEMENTS Profit attribu
Page 113 and 114: FINANCIAL STATEMENTS Amortisation e
Page 115 and 116: FINANCIAL STATEMENTS Accumulated im
Page 117 and 118: FINANCIAL STATEMENTS Available for
Page 119 and 120: FINANCIAL STATEMENTS The following
Page 121 and 122: FINANCIAL STATEMENTS Rights attachi
Page 123 and 124: FINANCIAL STATEMENTS Claims develop
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FINANCIAL STATEMENTS 21. INSURANCE
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FINANCIAL STATEMENTS At the end of
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FINANCIAL STATEMENTS During 2010 ch
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FINANCIAL STATEMENTS Including the
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FINANCIAL STATEMENTS Mortality rate
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FINANCIAL STATEMENTS 29. SUBSIDIARI
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FINANCIAL STATEMENTS Commercial lin
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FINANCIAL STATEMENTS INDEPENDENT AU
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FINANCIAL STATEMENTS PARENT COMPANY
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FINANCIAL STATEMENTS NOTES TO THE S
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FINANCIAL STATEMENTS Deferred tax a
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FINANCIAL STATEMENTS 10. SHARE BASE
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OTHER INFORMATION 148 Shareholder i
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OTHER INFORMATION Distribution of s
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OTHER INFORMATION JARGON BUSTER Bel
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