GRF_115_1B_G: Premiums liabilities - Insurance Risk Charge - Australia by Region (G)

Australian Business Number	Institution Name

Reporting Period	Scale Factor
Semi-annual / Annual	Thousands of dollars no decimal place
Reporting Consolidation
Level 2

Were actuarial services used to complete this return (Yes / No)	OI10816

Basis of preparation
OI11476
GPS 320 basis
AASB basis
Combination of GPS 320 and AASB basis

PART A: PREMIUMS LIABILITIES - GPS 320 BASIS

Section 1: Direct business (Australian)

Region	Gross PL - Central estimate	Gross PL - Risk margin	Gross PL - Total	Non-reinsurance recoveries	Expected reinsurance recoveries	Net PL - Central estimate	Net PL - Risk margin	Net PL - Total	PL capital factor %	PL Insurance Risk Charge
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)
Australia	R13265	R13266	R13267	R13269	R13268	R13270	R13271	R13272	R13273	R13274

Section 2: Direct business (International)

International region	Gross PL - Central estimate	Gross PL - Risk margin	Gross PL - Total	Non-reinsurance recoveries	Expected reinsurance recoveries	Net PL - Central estimate	Net PL - Risk margin	Net PL - Total	PL capital factor %	PL Insurance Risk Charge	PL surplus / (deficit)
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
OI11452	R12816	R12817	R12818	R12820	R12819	R12821	R12822	R12823	R12824	R12825	R12826
New_Zealand
South_East_Asia
Asia_Pacific
USA
Americas
UK_or_Europe
Other

Section 3: Reinsurance business (Australian)

Region	Gross PL - Central estimate	Gross PL - Risk margin	Gross PL - Total	Non-reinsurance recoveries	Expected reinsurance recoveries	Net PL - Central estimate	Net PL - Risk margin	Net PL - Total	PL capital factor %	PL Insurance Risk Charge
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)
Australia	R13275	R13276	R13277	R13279	R13278	R13280	R13281	R13282	R13283	R13284

Section 4: Reinsurance business (International)

International region	Gross PL - Central estimate	Gross PL - Risk margin	Gross PL - Total	Non-reinsurance recoveries	Expected reinsurance recoveries	Net PL - Central estimate	Net PL - Risk margin	Net PL - Total	PL capital factor %	PL Insurance Risk Charge	PL surplus / (deficit)
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
OI11453	R12838	R12839	R12840	R12842	R12841	R12843	R12844	R12845	R12846	R12847	R12848
New_Zealand
South_East_Asia
Asia_Pacific
USA
Americas
UK_or_Europe
Other

Section 5: Total

	Gross PL - Central estimate	Gross PL - Risk margin	Gross PL - Total	Non-reinsurance recoveries	Expected reinsurance recoveries	Net PL - Central estimate	Net PL - Risk margin	Net PL - Total	PL capital factor %	PL Insurance Risk Charge	PL surplus / (deficit)
	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
Total direct Australian business	R12980	R12981	R12982	R12984	R12983	R12985	R12986	R12987		R12988	R12815
Total direct International business	R12827	R12828	R12829	R12831	R12830	R12832	R12833	R12834		R12835	R12836
Total reinsurance Australian business	R12989	R12990	R12991	R12993	R12992	R12994	R12995	R12996		R12997	R12837
Total reinsurance International business	R12849	R12850	R12851	R12853	R12852	R12854	R12855	R12856		R12857	R12858
Total premiums liabilities - GPS 320 basis	R12859	R12860	R12861	R12863	R12862	R12864	R12865	R12866		R12867	R12868

PART B: PREMIUMS LIABILITIES - AASB BASIS

Section 6: Direct business (Australian)

Region	Unearned premium liability	Deferred acquisition costs	AASB gross premiums liabilities (UPL - DAC)	Deferred reinsurance expense	Unexpired risk liability	Other	AASB net premiums liabilities	Technical provision deficiency	Adjusted net premiums liabilities	PL capital factor %	PL Insurance Risk Charge
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
Australia	R13285	R13286	R13287	R13288	R13289	R13290	R13291	R13292	R13293	R13294	R13295

Section 7: Direct business (International)

International region	Unearned premium liability	Deferred acquisition costs	AASB gross premiums liabilities (UPL - DAC)	Deferred reinsurance expense	Unexpired risk liability	Other	AASB net premiums liabilities	Technical provision deficiency	Adjusted net premiums liabilities	PL capital factor %	PL Insurance Risk Charge
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
OI11454	R12888	R12889	R12890	R13217	R12892	R13218	R12893	R12894	R12895	R12896	R12897
New_Zealand
South_East_Asia
Asia_Pacific
USA
Americas
UK_or_Europe
Other

Section 8: Reinsurance business (Australian)

Region	Unearned premium liability	Deferred acquisition costs	AASB gross premiums liabilities (UPL - DAC)	Deferred reinsurance expense	Unexpired risk liability	Other	AASB net premiums liabilities	Technical provision deficiency	Adjusted net premiums liabilities	PL capital factor %	PL Insurance Risk Charge
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
Australia	R13296	R13297	R13298	R13299	R13300	R13301	R13302	R13303	R13304	R13305	R13306

Section 9: Reinsurance business (International)

International region	Unearned premium liability	Deferred acquisition costs	AASB gross premiums liabilities (UPL - DAC)	Deferred reinsurance expense	Unexpired risk liability	Other	AASB net premiums liabilities	Technical provision deficiency	Adjusted net premiums liabilities	PL capital factor %	PL Insurance Risk Charge
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
OI11455	R12926	R12927	R12928	R13221	R12930	R13222	R12931	R12932	R12933	R12934	R12935
New_Zealand
South_East_Asia
Asia_Pacific
USA
Americas
UK_or_Europe
Other

Section 10: Total

	Unearned premium liability	Deferred acquisition costs	AASB gross premiums liabilities (UPL - DAC)	Deferred reinsurance expense	Unexpired risk liability	Other	AASB net premiums liabilities	Technical provision deficiency	Adjusted net premiums liabilities	PL capital factor %	PL Insurance Risk Charge
	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
Total direct Australian business	R12879	R12880	R12881	R13307	R12883	R13224	R12884	R12885	R12886		R12887
Total direct International business	R12898	R12899	R12900	R13225	R12902	R13226	R12903	R12904	R12905		R12906
Total reinsurance Australian business	R12917	R12918	R12919	R13308	R12921	R13228	R12922	R12923	R12924		R12925
Total reinsurance International business	R12936	R12937	R12938	R13229	R12940	R13230	R12941	R12942	R12943		R12944
Total premiums liabilities - AASB basis	R12945	R12946	R12947	R13231	R12949	R13232	R12950	R12951	R12952		R12953

PART C: ADDITIONAL POLICIES RISK CHARGE

Section 11: Direct business (Australian) - Net written premium for material business that incepts in the next reporting period

Region	Net written premium	PL capital factor %	Additional policies risk charge
(1)	(2)	(3)	(4)
Australia	R13309	R13310	R13311
Total	R13312		R13313

Section 12: Direct business (International) - Net written premium for material business that incepts in the next reporting period

International region	Net written premium	PL capital factor %	Additional policies risk charge
(1)	(2)	(3)	(4)
OI11456	R13314	R13315	R13316
New_Zealand
South_East_Asia
Asia_Pacific
USA
Americas
UK_or_Europe
Other

Total	R13317		R13318

Section 13: Reinsurance business (Australian) - Net written premium for material business that incepts in the next reporting period

Region	Net written premium	PL capital factor %	Additional policies risk charge
(1)	(2)	(3)	(4)
Australia	R13319	R13320	R13321
Total	R13322		R13323

Section 14: Reinsurance business (International) - Net written premium for material business that incepts in the next reporting period

International region	Net written premium	PL capital factor %	Additional policies risk charge
(1)	(2)	(3)	(4)
OI11457	R13324	R13325	R13326
New_Zealand
South_East_Asia
Asia_Pacific
USA
Americas
UK_or_Europe
Other

Total	R13327		R13328

PART D: TOTAL PREMIUMS LIABILITIES

Section 15: Total

	Gross premiums liabilities	Net premiums liabilities	Adjusted net premiums liabilities	Group PL Insurance Risk Charge	Additional policies risk charge	Total premiums liabilities risk charge
	(2)	(3)	(4)	(5)	(6)	(7)
Australian direct business	R12954	R12955	R12956	R12957	R13253	R13254
Australian reinsurance business	R12958	R12959	R12960	R12961	R13255	R13256
International direct business	R12962	R12963	R12964	R12965	R13257	R13258
International reinsurance business	R12966	R12967	R12968	R12969	R13259	R13260
Group adjustments	R12970	R12971	R12972	R12973		R13261
Adjustments to PL Insurance Risk Charge as approved by APRA						R13705
Total	R12974	R12975	R12976	R12977	R13262	R13263

Adjustments to PL Insurance Risk Charge
Description		Transitional?	Amount
(1)		(2)	(3)
OI11488		OI11489	R13707
		Yes
		No


PL surplus / (deficit)
Group adjustments to PL surplus / (deficit)	R12978
Total deferred reinsurance expense for future business not yet written	R13264
Total PL surplus / (deficit)	R12979