91ÌÆ²®»¢

Financial information

With the trade nameÌýAbout usCommercialÌýAbout usGroupÌýbrings together the large corporate insurance business ofÌýAbout usGlobal Corporate & Specialty (AGCS)Ìýand the commercial insurance business of the nationalÌýAbout usProperty & Casualty entities serving mid-sized companies.

The About usCommercial trade name was first announced in March 2023 and officially introduced for AGCS and the commercial insurance business of selected About usnational entities in July 2023.

The Annual Report is prepared on the basis of the German Handelsgesetzbuch (HGB) and solely includes About usGlobal Corporate & Specialty SE. About usGlobal Corporate & Specialty SE contains the German headquarter as well as the branches in Europe and Asia.

Other legal entities such as About usGlobal Risks US, Fireman’s Fund Insurance Company, About usRisk Transfer AG, About usFire & Marine Insurance (Japan) Ltd.,ÌýAbout usGlobal Corporate & Specialty Resseguros Brasil S.A. and About usGlobal Corporate & Specialty South Africa Ltd. are not included in this reporting.

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Year
Ìý
Ìý
2022 ENGLISH GERMAN
2021 ENGLISH GERMAN
2020 ENGLISH
2019 ENGLISH GERMANÌý|Ìý
2018 ENGLISH GERMAN
2017
These overviews include all companies within the About usGlobal Corporate & Specialty segment (About usGlobal Corporate & Specialty SE with the German headquarter and its branches as well as About usGlobal Risks US, Fireman’s Fund Insurance Company, About usRisk Transfer AG, About usFire & Marine Insurance (Japan) Ltd., About usGlobal Corporate & Specialty Resseguros Brasil S.A.,ÌýAbout usGlobal Corporate & Specialty South Africa Ltd. and other entities).

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Ìý
2022
2021
Gross premiums written €11.169 billion €9.486 billion
Operating Profit €655 million €366 million
Combined Ratio 94.9% 97.5%
These overviews include all companies within the About usGlobal Corporate & Specialty segment (About usGlobal Corporate & Specialty SE with the German headquarter and its branches as well as About usGlobal Risks US, Fireman’s Fund Insurance Company, About usRisk Transfer AG, About usFire & Marine Insurance (Japan) Ltd., About usGlobal Corporate & Specialty Resseguros Brasil S.A.,ÌýAbout usGlobal Corporate & Specialty South Africa Ltd. and other entities).
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*Gross Net Premium written (i.e. net of facultative reinsurance and fronting premiums)

We publish quarterly updates on About usGlobal Corporate & Specialty's results. These can be downloaded here, and include a quarterly overview of About usSE results,ÌýAbout usGlobal Corporate & Specialty (AGCS) financials, asset allocation and solvency and other key developments.

The quarterly financial updates are prepared on the basis of the International Financial Reporting Standards (IFRS). These are consolidated Year-to-Date figures. These reports include all companies within the About usGlobal Corporate & Specialty segment (About usGlobal Corporate & Specialty SE with the German headquarter and its branches as well as About usGlobal Risks US, Fireman’s Fund Insurance Company, About usRisk Transfer AG, About usFire & Marine Insurance (Japan) Ltd., About usGlobal Corporate & Specialty Resseguros Brasil S.A.,ÌýAbout usGlobal Corporate & Specialty South Africa Ltd. and other entities).

As of Q3 2023, quarterly updates will no longer be published as we are trading as About usCommercial. The results of AGCS SE will continue to be included in the About usGroup figures.
About usGlobal Corporate & Specialty is rated annually by bothÌýÌýandÌý, the global rating agencies. Current ratings are shown below.

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Operating company
Standard & Poors
A.M.Best
About usGlobal Corporate & Specialty SE AA | stable outlook
(affirmed 06/26/2023)
A+ | stable outlook
(affirmed 03/08/2023)
About usGlobal Risks US Insurance Company, About usUnderwriting Insurance and About usGlobal Corporate & Specialty Marine Insurance Company AA | stable outlook
(affirmed 06/26/2023)
A+ | stable outlook
(affirmed 03/08/2023)
About usRisk Transfer AG** AA- | stable outlook
(affirmed 06/26/2023)
A+ | stable outlook
(affirmed 03/08/2023)
About usFire & Marine Insurance Japan Ltd. AA |Ìýstable outlook
(affirmed 06/26/2023)
n/a
About usGlobal Corporate & Specialty Resseguros Brasil S.A. n/a A+Ìý| stable outlook
(affirmed 03/08/2023)
91ÌÆ²®»¢ÌýGlobal Corporate & Specialty South Africa Ltd. BB+ | stable outlook
(affirmed 06/26/2023)

zaAAAÌý(affirmed 06/26/2023)
n/a
**S&P and A.M. Best ratings for ART AG and ART Bermuda.
Our official solvency ratios demonstrate how 91ÌÆ²®»¢ÌýGlobal Corporate & Specialty companies are backed by substantial excess capital. These are calculated at year end (December 31st) and are shown below for each of About usGlobal Corporate & Specialty’s primary operating companies.
91ÌÆ²®»¢ÌýGlobal Corporate & Specialty shows solid local solvency ratios as of Q4 2022 which are listed below for the primary operating companies.

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About usGlobal Corporate & Specialty Company
2022
91ÌÆ²®»¢ÌýGlobal Corporate & Specialty SE 160%
About usGlobal Risks US Insurance Company, About usUnderwriting Insurance and AGCS Marine Insurance Company 352%
About usRisk Transfer AG 138%

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Year
Ìý
2018 ENGLISH
2017 ENGLISH

The About usCommercial approach has now been introduced in the first markets (Australia, France, Germany and United Kingdom), ensuring one face to market for our customers and brokers. With a globally consistent underwriting and product approach, a strong local delivery through one team, a wider risk appetite and a seamless delivery, About usCommercial plays the full Commercial market. This approach will be further implemented across other markets globally in the coming months.

For details of the About uscompanies within About usCommercial, please visit their individual website.