{"text_format":"1","workbook":"xlsx","n_sheets":23,"sheets":["Index","Participant Information","EBS - Assets","EBS - Direct TPs","EBS - Reins TPs","EBS - Other Liab","EBS - Capital","Own Funds","Market Risk Inputs","Credit Spread Risk","Counterparty Default Risk","Premium and Reserve Risk","DIV","Lapse Risk","Health_Prem & Reserve Risk","Health_DIV","Health_Lapse Risk","Market Risk","Non-Life Underwriting Risk","Non-SLT Health Risk","SCR Summary","Data","SCR Structure"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":1,"defined_names":273,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Index","index":0,"n_rows":69,"n_cols":6,"rows_kept":69,"cut":false,"hidden":false,"merged":[[3,1,4,5]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"Index"}]
[]
[]
[null,"This return \"QIS5_NL_1in10_Licensee Shortname\" is for completion by the insurer of the QIS5 results for assets and liabilities relating to all lines of business specified in the Technical Specification document - TS(10)."]
[]
[]
[null,null,null,null,null,"Key"]
[]
[null,null,null,null,null,"Input Cell"]
[]
[null,null,null,null,null,"Formula Cell"]
[]
[null,null,null,null,null,"Input from helper tab"]
[]
[null,null,null,null,null,"Fixed value cell"]
[]
[null,null,null,null,null,"Fixed value cell"]
[]
[null,null,null,null,null,"           *          \nClick on cell for information"]
[]
[]
[null,"Tab","Link","Content",null,"Completed?"]
[]
[null,{"$f":"'Participant Information'!$A$1","v":"Participant Information"},"Link","Information regarding the insurer completing the QIS.",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Participant Information'!J:J,0)),\"Complete\",\"Incomplete\")","v":"Incomplete"}]
[]
[]
[null,{"$f":"'EBS - Assets'!$A$1","v":"EBS - Assets"},"Link","Information on the balance sheet value of assets backing non-life business on the current accounting basis and QIS5 '1in10' regulatory basis.\n",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'EBS - Assets'!K:K,0)),IF(ISERROR(MATCH(\"ZERO\",'EBS - Assets'!K:K,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'EBS - Direct TPs'!$A$1","v":"EBS - Direct TPs"},"Link","Information on the balance sheet value of technical provisions for directly written liabilities both on the current accounting basis and QIS5 '1in10' regulatory basis.\n",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'EBS - Direct TPs'!M:M,0)),IF(ISERROR(MATCH(\"ZERO\",'EBS - Direct TPs'!M:M,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'EBS - Reins TPs'!$A$1","v":"EBS - Reins TPs"},"Link","Information on the balance sheet value of technical provisions for reinsured liabilities both on the current accounting basis and QIS5 '1in10' regulatory basis.\n",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'EBS - Reins TPs'!M:M,0)),IF(ISERROR(MATCH(\"ZERO\",'EBS - Reins TPs'!M:M,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'EBS - Other Liab'!$A$1","v":"EBS - Other Liab"},"Link","Information on the balance sheet value of liabilities other than directly written or reinsured business both on the current accounting basis and QIS5 '1in10' regulatory basis.\n",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'EBS - Other Liab'!I:I,0)),IF(ISERROR(MATCH(\"ZERO\",'EBS - Other Liab'!I:I,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'EBS - Capital'!$A$1","v":"EBS - Capital"},"Link","Information on the balance sheet value of capital and reserves both on the current accounting basis and QIS5 '1in10' regulatory basis.\n",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'EBS - Capital'!I:I,0)),IF(ISERROR(MATCH(\"ZERO\",'EBS - Capital'!I:I,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'Own Funds'!$A$1","v":"Own Funds"},"Link","Breakdown of capital section from the economic balance sheet, determines eligible own funds to cover the SCR.\n",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Own Funds'!M:M,0)),\"Complete\",\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'Market Risk Inputs'!$A$1","v":"Market Risk Inputs"},"Link","Input required for \"Market Risk\" module. Includes exposure to interest rate, foreign exchange and concentration risk scenarios and resulting capital charges.",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Market Risk Inputs'!R:R,0)),\"Complete\",\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'Credit Spread Risk'!$A$1","v":"Credit Spread Risk"},"Link","Input required for \"Credit Spread Risk\" submodule. Includes exposure to each credit spread shock scenario and the resulting capital charges.",null,{"$f":"IF('Credit Spread Risk'!I34<>0,IF(ISERROR(MATCH(\"ERROR\",'Credit Spread Risk'!M:M,0)),\"Complete\",\"Incomplete\"),\"May be incomplete\")","v":"May be incomplete"}]
[]
[]
[]
[null,{"$f":"'Counterparty Default Risk'!$A$1","v":"Counterparty Default Risk"},"Link","Input for the calculation of the capital requirement for counterparty default risk.",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Counterparty Default Risk'!K:K,0)),IF(ISERROR(MATCH(\"ZERO\",'Counterparty Default Risk'!K:K,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'Premium and Reserve Risk'!$A$1","v":"Premium and Reserve Risk"},"Link","Input for the calculation of the capital charge for premium and reserve risk. This information is then used in the \"Non-Life Underwriting Risk\" tab described below.",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Premium and Reserve Risk'!AA7:AA18,0)),\"Complete\",\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"DIV!$A$1","v":"DIV"},"Link","Input for the calculation of the DIV function which can allow for geographical diversification. Set to 100% by default but may be changed by the (re)insurer by entering the appropriate data in this tab.",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",DIV!AU:AU,0)),IF(ISERROR(MATCH(\"ZERO\",DIV!AU:AU,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"May be incomplete"}]
[]
[null,{"$f":"'Lapse Risk'!$A$1","v":"Lapse Risk"},"Link","Calculation of the capital requirement for non-life underwriting risk.",null,{"$f":"IF('Lapse Risk'!T100<>\"ZERO\",\"Complete\",\"May be incomplete\")","v":"May be incomplete"}]
[]
[null,{"$f":"'Health_Prem & Reserve Risk'!$A$1","v":"Health_Prem & Reserve Risk"},"Link","Input for the calculation of the capital charge for premium and reserve risk for non similar to life (non SLT) Health risk module. This information is then used in the \"Non-SLT Health Risk\" tab described below.",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Health_Prem & Reserve Risk'!AA7:AA10,0)),\"Complete\",\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"Health_DIV!$A$1","v":"Health_DIV"},"Link","Input for the calculation of the Health DIV function which can allow for geographical diversification. Set to 100% by default but may be changed by the (re)insurer by entering the appropriate data in this tab.",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",Health_DIV!AU:AU,0)),IF(ISERROR(MATCH(\"ZERO\",Health_DIV!AU:AU,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"May be incomplete"}]
[]
[null,{"$f":"'Health_Lapse Risk'!$A$1","v":"Health_Lapse Risk"},"Link","Calculation of the capital requirement for non-SLT Health risk.\nNote: input required for non-SLT lapse risk only.",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Health_Lapse Risk'!T:T,0)),IF(ISERROR(MATCH(\"ZERO\",'Health_Lapse Risk'!T:T,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'Market Risk'!A1","v":"Market Risk"},"Link","Calculation of the capital requirement for market risk.\n",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Market Risk'!S:S,0)),IF(ISERROR(MATCH(\"ZERO\",'Market Risk'!S:S,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'Non-Life Underwriting Risk'!$A$1","v":"Non-Life Underwriting Risk"},"Link","Calculation of the capital requirement for non-life underwriting risk.",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Non-Life Underwriting Risk'!R:R,0)),IF(ISERROR(MATCH(\"ZERO\",'Non-Life Underwriting Risk'!R:R,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'Non-SLT Health Risk'!$A$1","v":"Non-SLT Health Risk"},"Link","Calculation of the capital requirement for non-SLT Health risk.",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Non-SLT Health Risk'!Q:Q,0)),IF(ISERROR(MATCH(\"ZERO\",'Non-SLT Health Risk'!Q:Q,0)),\"Complete\",\"May be incomplete\"),\"Incomplete\")","v":"Incomplete"}]
[]
[null,{"$f":"'SCR Summary'!$A$1","v":"SCR Summary"},"Link","Calculation of the solvency capital requirement, summary of capital resources and the related SCR coverage ratio at a '1in10' level.",null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'SCR Summary'!$G:$G,0)),\"Complete\",\"Incomplete\")","v":"Incomplete"}]
[]
[null,"Data","Link","Information only.",null,"N/A"]
[]
[null,{"$f":"RIGHT(CELL(\"filename\",'SCR Structure'!$A$1),LEN(CELL(\"filename\",'SCR Structure'!$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"SCR Structure"},"Link","Overall tree structure of the calculation of the SCR. Provided for information.",null,"N/A"]

{"sheet":"Participant Information","index":1,"n_rows":41,"n_cols":10,"rows_kept":41,"cut":false,"hidden":false,"merged":[[40,3,40,6],[10,3,10,5],[20,3,20,6],[30,3,30,5],[32,3,32,6],[34,3,34,4]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"Participant Information"},null,null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[null,"QIS5 Information"]
[]
[null,"Date of submission",null,null,null,null,null,null,null,{"$f":"IF(D7=\"\",\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Financial year end used",null,"2017-12-31",null,null,null,null,null,{"$f":"IF(D9=\"\",\"ERROR\",\"OK\")","v":"OK"}]
[]
[null,"Reporting currency",null,"United Kingdom Pound",null,null,{"$f":"OFFSET(Data!C5,MATCH(D11,Data!B5:B76,0)-1,)","v":"GBP"},null,null,{"$f":"IF(D11=\"\",\"ERROR\",\"OK\")","v":"OK"}]
[]
[null,"Exchange rate",null,1,null,null,null,null,null,{"$f":"IF(D13=\"\",\"ERROR\",IF(OR(AND($G$11=\"GBP\",$D$13<>1),AND($G$11<>\"GBP\",$D$13=1),D13=\"\"),\"ERROR\",\"OK\"))","v":"OK"}]
[]
[null,"Reporting unit used",null,"Units",null,null,null,null,null,{"$f":"IF(D15=\"\",\"ERROR\",\"OK\")","v":"OK"}]
[]
[]
[]
[null,"Insurer Information"]
[]
[null,"Licensee Name",null,null,null,null,null,null,null,{"$f":"IF(D21=\"\",\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Licensee Shortname",null,null,null,null,null,null,null,{"$f":"IF(D23=\"\",\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Is business in run-off?",null,null,null,null,null,null,null,{"$f":"IF(D25=\"\",\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[]
[]
[null,"Contact Information"]
[]
[null,"Contact Name",null,null,null,null,null,null,null,{"$f":"IF(D31=\"\",\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Email Address",null,null,null,null,null,null,null,{"$f":"IF(D33=\"\",\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Phone Number",null,null,null,null,null,null,null,{"$f":"IF(D35=\"\",\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[]
[]
[null,"Comments"]
[]
[null,"Comments"]

{"sheet":"EBS - Assets","index":2,"n_rows":71,"n_cols":11,"rows_kept":71,"cut":false,"hidden":false,"merged":[]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"EBS - Assets"},null,null,null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[null,"Balance Sheet - Assets","*","Accounting basis        *",null,"Regulatory basis        *"]
[]
[null,"Fixed Assets"]
[]
[null,"Goodwill",null,null,null,0]
[null,"Other intangible assets"]
[null,"Property, plant & equipment held for own use"]
[]
[null,"Total",null,{"$f":"SUM(D9:D11)","v":0},null,{"$f":"SUM(F9:F11)","v":0},null,null,null,null,{"$f":"IF(OR(ISBLANK(D9:D11),ISBLANK(F10:F11)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Investments"]
[]
[null,"Property (other than for own use)"]
[null,"Participations"]
[null,"Listed equities/other shares (other than participations)"]
[null,"Unlisted equities/other shares (other than participations)"]
[null,"Bonds - Government and multilateral banks"]
[null,"Bonds - Corporate (asset backed securities)"]
[null,"Bonds - Corporate (other)"]
[null,"Structured notes"]
[null,"Investment funds"]
[null,"Derivatives",null,{"$f":"SUM(D27:D31)","v":0},null,{"$f":"SUM(F27:F31)","v":0}]
[null,"Futures"]
[null,"Call Options"]
[null,"Put Options"]
[null,"Swaps"]
[null,"Forwards"]
[null,"Long term bank deposits"]
[null,"Other investments"]
[]
[null,"Total",null,{"$f":"SUM(D17:D26,D32:D33)","v":0},null,{"$f":"SUM(F17:F26,F32:F33)","v":0},null,null,null,null,{"$f":"IF(OR(ISBLANK(D17:D25),ISBLANK(D27:D33),ISBLANK(F17:F25),ISBLANK(F27:F33)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Mortgages and loans made"]
[]
[null,"Uncollateralised loans made to unrelated entities"]
[null,"Uncollateralised loans made to group/related entities"]
[null,"Collateralised loans made (other than loans on policies)"]
[null,"Loans on policies"]
[]
[null,"Total",null,{"$f":"SUM(D39:D42)","v":0},null,{"$f":"SUM(F39:F42)","v":0},null,null,null,null,{"$f":"IF(OR(ISBLANK(D39:D42),ISBLANK(F39:F42)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Reinsurance recoverables"]
[]
[null,"Reinsurance share of premium reserves"]
[null,"Reinsurance share of claim reserves"]
[null,"Other reinsurance recoverables"]
[]
[null,"Total",null,{"$f":"SUM(D48:D50)","v":0},null,{"$f":"SUM(F48:F50)","v":0},null,null,null,null,{"$f":"IF(OR(ISBLANK(D48:D50),ISBLANK(F48:F50)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Other Assets"]
[]
[null,"SPV recoverables"]
[null,"Intermediaries recoverables"]
[null,"Insurance recoverables (Excluding intermediaries)"]
[null,"Deferred acquisition costs",null,null,null,0]
[null,"Receivables (trade, not insurance)"]
[null,"Pension benefit surplus"]
[null,"Cash and cash equivalents"]
[null,"Short term bank deposits"]
[null,"Amounts due in respect of called but unpaid capital"]
[null,"Other assets, not shown elsewhere"]
[]
[null,"Total",null,{"$f":"SUM(D56:D65)","v":0},null,{"$f":"SUM(F56:F65)","v":0},null,null,null,null,{"$f":"IF(OR(ISBLANK(D56:D65),ISBLANK(F56:F65)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Total Assets"]
[]
[null,"TOTAL",null,{"$f":"SUM(D13,D35,D44,D52,D67)","v":0},null,{"$f":"SUM(F13,F35,F44,F52,F67)","v":0},null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$K$13:$K$67,0)),\"OK\",\"ERROR\")","v":"ERROR"}]

{"sheet":"EBS - Direct TPs","index":3,"n_rows":119,"n_cols":13,"rows_kept":119,"cut":false,"hidden":false,"merged":[[5,5,5,6],[5,1,6,1],[5,2,6,2],[5,3,6,3],[5,9,6,9]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"EBS - Direct TPs"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[]
[null,"Balance Sheet - Direct Written Liabilities","*","Accounting basis",null,"Regulatory Basis       *",null,null,null,"Reinsurance recoverables - Reg Basis *"]
[null,null,null,null,null,"1 in 10"]
[]
[null,"TPs - 1 - Motor vehicle liability insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D11:D12)","v":0},null,{"$f":"SUM(F11:F12)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D13:D14)","v":0},null,{"$f":"SUM(F13:F14)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D11:D12),ISBLANK(F11:F12),ISBLANK(F14),ISBLANK(J12)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 2 - Other motor insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D20:D21)","v":0},null,{"$f":"SUM(F20:F21)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D22:D23)","v":0},null,{"$f":"SUM(F22:F23)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D20:D21),ISBLANK(F20:F21),ISBLANK(F23),ISBLANK(J21)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 3 - Marine, aviation & transport (MAT) insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D29:D30)","v":0},null,{"$f":"SUM(F29:F30)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D31:D32)","v":0},null,{"$f":"SUM(F31:F32)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D29:D30),ISBLANK(F29:F30),ISBLANK(F32),ISBLANK(J30)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 4 - Fire & other damage to property insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D38:D39)","v":0},null,{"$f":"SUM(F38:F39)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D40:D41)","v":0},null,{"$f":"SUM(F40:F41)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D38:D39),ISBLANK(F38:F39),ISBLANK(F41),ISBLANK(J39)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 5 - General liability insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D47:D48)","v":0},null,{"$f":"SUM(F47:F48)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D49:D50)","v":0},null,{"$f":"SUM(F49:F50)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D47:D48),ISBLANK(F47:F48),ISBLANK(F50),ISBLANK(J48)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 6 - Credit & Suretyship insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D56:D57)","v":0},null,{"$f":"SUM(F56:F57)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D58:D59)","v":0},null,{"$f":"SUM(F58:F59)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D56:D57),ISBLANK(F56:F57),ISBLANK(F59),ISBLANK(J57)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 7 - Legal expenses insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D65:D66)","v":0},null,{"$f":"SUM(F65:F66)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D67:D68)","v":0},null,{"$f":"SUM(F67:F68)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D65:D66),ISBLANK(F65:F66),ISBLANK(F68),ISBLANK(J66)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 8 - Assistance insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D74:D75)","v":0},null,{"$f":"SUM(F74:F75)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D76:D77)","v":0},null,{"$f":"SUM(F76:F77)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D74:D75),ISBLANK(F74:F75),ISBLANK(F77),ISBLANK(J75)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 9 - Miscellaneous financial loss insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D83:D84)","v":0},null,{"$f":"SUM(F83:F84)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D85:D86)","v":0},null,{"$f":"SUM(F85:F86)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D83:D84),ISBLANK(F83:F84),ISBLANK(F86),ISBLANK(J84)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 10 - Medical expense insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D92:D93)","v":0},null,{"$f":"SUM(F92:F93)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D94:D95)","v":0},null,{"$f":"SUM(F94:F95)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D92:D93),ISBLANK(F92:F93),ISBLANK(F95),ISBLANK(J93)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 11 - Income protection insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D101:D102)","v":0},null,{"$f":"SUM(F101:F102)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D103:D104)","v":0},null,{"$f":"SUM(F103:F104)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D101:D102),ISBLANK(F101:F102),ISBLANK(F104),ISBLANK(J102)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 12 - Workers' compensation insurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D110:D111)","v":0},null,{"$f":"SUM(F110:F111)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D112:D113)","v":0},null,{"$f":"SUM(F112:F113)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D110:D111),ISBLANK(F110:F111),ISBLANK(F113),ISBLANK(J111)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Total Liabilities"]
[]
[null,"TOTAL",null,{"$f":"SUM(Acc_TP_1,Acc_TP_2,Acc_TP_3,Acc_TP_4,Acc_TP_5,Acc_TP_6,Acc_TP_7,Acc_TP_8,Acc_TP_9,Acc_TP_10,Acc_TP_11,Acc_TP_12)","v":0},null,{"$f":"SUM(Reg_TP_1_10,Reg_TP_2_10,Reg_TP_3_10,Reg_TP_4_10,Reg_TP_5_10,Reg_TP_6_10,Reg_TP_7_10,Reg_TP_8_10,Reg_TP_9_10,Reg_TP_10_10,Reg_TP_11_10,Reg_TP_12_10)","v":0},null,null,null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$M$16:$M$115,0)),\"OK\",\"ERROR\")","v":"ERROR"}]

{"sheet":"EBS - Reins TPs","index":4,"n_rows":155,"n_cols":13,"rows_kept":155,"cut":false,"hidden":false,"merged":[[5,5,5,6],[5,1,6,1],[5,2,6,2],[5,3,6,3],[5,9,6,9]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"EBS - Reins TPs"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[]
[null,"Balance Sheet - Reinsurances","*","Accounting basis",null,"Regulatory Basis       *",null,null,null,"Reinsurance recoverables - Reg Basis *"]
[null,null,null,null,null,"1 in 10"]
[]
[null,"TPs - 13 - Motor vehicle liability proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D11:D12)","v":0},null,{"$f":"SUM(F11:F12)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D13:D14)","v":0},null,{"$f":"SUM(F13:F14)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D11:D12),ISBLANK(F11:F12),ISBLANK(F14),ISBLANK(J12)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 14 - Other motor proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D20:D21)","v":0},null,{"$f":"SUM(F20:F21)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D22:D23)","v":0},null,{"$f":"SUM(F22:F23)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D20:D21),ISBLANK(F20:F21),ISBLANK(F23),ISBLANK(J21)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 15 - Marine, aviation & transport (MAT) proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D29:D30)","v":0},null,{"$f":"SUM(F29:F30)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D31:D32)","v":0},null,{"$f":"SUM(F31:F32)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D29:D30),ISBLANK(F29:F30),ISBLANK(F32),ISBLANK(J30)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 16 - Fire & other damage to property proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D38:D39)","v":0},null,{"$f":"SUM(F38:F39)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D40:D41)","v":0},null,{"$f":"SUM(F40:F41)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D38:D39),ISBLANK(F38:F39),ISBLANK(F41),ISBLANK(J39)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 17 - General liability proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D47:D48)","v":0},null,{"$f":"SUM(F47:F48)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D49:D50)","v":0},null,{"$f":"SUM(F49:F50)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D47:D48),ISBLANK(F47:F48),ISBLANK(F50),ISBLANK(J48)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 18 - Credit & Suretyship proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D56:D57)","v":0},null,{"$f":"SUM(F56:F57)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D58:D59)","v":0},null,{"$f":"SUM(F58:F59)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D56:D57),ISBLANK(F56:F57),ISBLANK(F59),ISBLANK(J57)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 19 - Legal expenses proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D65:D66)","v":0},null,{"$f":"SUM(F65:F66)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D67:D68)","v":0},null,{"$f":"SUM(F67:F68)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D65:D66),ISBLANK(F65:F66),ISBLANK(F68),ISBLANK(J66)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 20 - Assistance proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D74:D75)","v":0},null,{"$f":"SUM(F74:F75)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D76:D77)","v":0},null,{"$f":"SUM(F76:F77)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D74:D75),ISBLANK(F74:F75),ISBLANK(F77),ISBLANK(J75)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 21 - Miscellaneous financial loss proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D83:D84)","v":0},null,{"$f":"SUM(F83:F84)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D85:D86)","v":0},null,{"$f":"SUM(F85:F86)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D83:D84),ISBLANK(F83:F84),ISBLANK(F86),ISBLANK(J84)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 22 - Medical expense proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D92:D93)","v":0},null,{"$f":"SUM(F92:F93)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D94:D95)","v":0},null,{"$f":"SUM(F94:F95)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D92:D93),ISBLANK(F92:F93),ISBLANK(F95),ISBLANK(J93)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 23 - Income Protection proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D101:D102)","v":0},null,{"$f":"SUM(F101:F102)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D103:D104)","v":0},null,{"$f":"SUM(F103:F104)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D101:D102),ISBLANK(F101:F102),ISBLANK(F104),ISBLANK(J102)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 24 - Workers' compensation proportional reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D110:D111)","v":0},null,{"$f":"SUM(F110:F111)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D112:D113)","v":0},null,{"$f":"SUM(F112:F113)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D110:D111),ISBLANK(F110:F111),ISBLANK(F113),ISBLANK(J111)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 25 - Non-proportional casualty reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D119:D120)","v":0},null,{"$f":"SUM(F119:F120)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D121:D122)","v":0},null,{"$f":"SUM(F121:F122)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D119:D120),ISBLANK(F119:F120),ISBLANK(F122),ISBLANK(J120)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 26 - Non-proportional marine, aviation & transport (MAT) reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D128:D129)","v":0},null,{"$f":"SUM(F128:F129)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D130:D131)","v":0},null,{"$f":"SUM(F130:F131)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D128:D129),ISBLANK(F128:F129),ISBLANK(F131),ISBLANK(J129)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 27 - Non-proportional property reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D137:D138)","v":0},null,{"$f":"SUM(F137:F138)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D139:D140)","v":0},null,{"$f":"SUM(F139:F140)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D137:D138),ISBLANK(F137:F138),ISBLANK(F140),ISBLANK(J138)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"TPs - 28 - Non-proportional health reinsurance"]
[]
[null,"Premium reserves"]
[null,"Claim Reserves"]
[null,"Best Estimate Provision",null,{"$f":"SUM(D146:D147)","v":0},null,{"$f":"SUM(F146:F147)","v":0}]
[null,"Risk Margin",null,0]
[]
[null,"Total",null,{"$f":"SUM(D148:D149)","v":0},null,{"$f":"SUM(F148:F149)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(ISBLANK(D146:D147),ISBLANK(F146:F147),ISBLANK(F149),ISBLANK(J147)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Total Liabilities - LOB 1-28"]
[]
[null,"TOTAL - LOB 1 to 28",null,{"$f":"SUM('EBS - Direct TPs'!Acc_Total_Direct_Liabs,Acc_TP_13,Acc_TP_14,Acc_TP_15,Acc_TP_16,Acc_TP_17,Acc_TP_18,Acc_TP_19,Acc_TP_20,Acc_TP_21,Acc_TP_22,Acc_TP_23,Acc_TP_24,Acc_TP_25,Acc_TP_26,Acc_TP_27,Acc_TP_28)","v":0},null,{"$f":"SUM('EBS - Direct TPs'!Reg_Total_Direct_Liabs,Reg_TP_13_10,Reg_TP_14_10,Reg_TP_15_10,Reg_TP_16_10,Reg_TP_17_10,Reg_TP_18_10,Reg_TP_19_10,Reg_TP_20_10,Reg_TP_21_10,Reg_TP_22_10,Reg_TP_23_10,Reg_TP_24_10,Reg_TP_25_10,Reg_TP_26_10,Reg_TP_27_10,Reg_TP_28_10)","v":0},null,null,null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$M$11:$M$151,0)),\"OK\",\"ERROR\")","v":"ERROR"}]

{"sheet":"EBS - Other Liab","index":5,"n_rows":34,"n_cols":9,"rows_kept":34,"cut":false,"hidden":false,"merged":[[5,1,6,1],[5,2,6,2],[5,3,6,3],[5,5,5,6],[30,1,31,1],[30,3,31,3]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"EBS - Other Liab"},null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[]
[null,"Balance Sheet - Other Liabilities & Net Assets","*","Accounting basis",null,"Regulatory Basis       *"]
[]
[]
[null,"Other Liabilities"]
[]
[null,"Cash deposits from reinsurers"]
[null,"(Re)insurance accounts payable"]
[null,"Derivatives"]
[null,"Provisions other than technical provisions"]
[null,"Amounts owed to credit institutions"]
[null,"Financial liabs (other than owed to credit institutions)"]
[null,"Payables (trade, not insurance)"]
[null,"Pensions benefit obligations"]
[null,"Uncalled investments"]
[null,"Contingent liabilities"]
[null,"Any other liabilities not shown elsewhere"]
[]
[null,"Total Other Liabilities",null,{"$f":"SUM(D11:D21)","v":0},null,{"$f":"SUM(F11:F21)","v":0},null,null,{"$f":"IF(OR(ISBLANK(D11:D21),ISBLANK(F11:F21)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Total Liabilities"]
[]
[null,"TOTAL",null,{"$f":"SUM('EBS - Reins TPs'!Acc_Total_1_to_28_Liabs,Acc_Other_Liabs)","v":0},null,{"$f":"SUM('EBS - Reins TPs'!Reg_Total_1_to_28_Liabs_10,Reg_Other_Liabs_10)","v":0},null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$I$9:$I$23,0)),\"OK\",\"ERROR\")","v":"ERROR"}]
[]
[]
[]
[null,"Net Assets",null,"Accounting basis",null,"Regulatory"]
[null,null,null,null,null,"basis"]
[]
[null,"TOTAL",null,{"$f":"Acc_Total_Assets-Acc_Total_Liabs","v":0},null,{"$f":"Reg_Total_Assets-Reg_Total_Liabs_10","v":0},null,null,{"$f":"IF(OR('EBS - Assets'!K71=\"ERROR\",'EBS - Direct TPs'!M119=\"ERROR\",'EBS - Reins TPs'!M155=\"ERROR\",I27=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]

{"sheet":"EBS - Capital","index":6,"n_rows":40,"n_cols":9,"rows_kept":40,"cut":false,"hidden":false,"merged":[[4,1,5,1],[4,2,5,2],[4,3,5,3]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"EBS - Capital"},null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[null,"Capital","*","Accounting basis",null,"Regulatory Basis"]
[]
[]
[null,"Capital and Reserves"]
[]
[null,"Share Capital",null,null,null,{"$f":"'Own Funds'!J12","v":0}]
[null,"Initial fund",null,null,null,{"$f":"'Own Funds'!J20","v":0}]
[null,"Share premium",null,null,null,{"$f":"'Own Funds'!J24","v":0}]
[null,"Retained earnings",null,null,null,{"$f":"'Own Funds'!J28","v":0}]
[null,"Other reserves from accounting balance sheet",null,null,null,{"$f":"'Own Funds'!J32","v":0}]
[null,"Surplus funds",null,null,null,{"$f":"'Own Funds'!J46","v":0}]
[null,"EPIFP",null,0,null,{"$f":"'Own Funds'!J50","v":0}]
[null,"Preference Shares",null,null,null,{"$f":"'Own Funds'!J58","v":0}]
[null,"Subordinated liabilities",null,null,null,{"$f":"'Own Funds'!J66","v":0}]
[null,"Other items not specified above",null,null,null,{"$f":"'Own Funds'!J74","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D10:D19)","v":0},null,{"$f":"SUM(F10:F19)","v":0},null,null,{"$f":"IF(OR(ISBLANK(D10:D19)),\"ERROR\",IF(OR(SUMPRODUCT(D10:D19,D10:D19)=0,SUMPRODUCT(F10:F19,F10:F19)=0),\"ZERO\",\"OK\"))","v":"ERROR"}]
[]
[null,"Reconciliation reserve"]
[]
[null,"Adjustment to assets",null,0,null,{"$f":"'Own Funds'!J36","v":0}]
[null,"Adjustment to technical provisions",null,0,null,{"$f":"'Own Funds'!J37","v":0}]
[null,"less expected profit in future premiums (EPIFP)",null,0,null,{"$f":"'Own Funds'!J38","v":0}]
[null,"Adjustments to other liabilities",null,0,null,{"$f":"'Own Funds'!J39","v":0}]
[null,"Others",null,0,null,{"$f":"'Own Funds'!J40","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D25:D29)","v":0},null,{"$f":"SUM(F25:F29)","v":0},null,null,{"$f":"IF(SUMPRODUCT(F25:F29,F25:F29)=0,\"ZERO\",\"OK\")","v":"ZERO"}]
[]
[null,"Total Capital and Reserves"]
[]
[null,"TOTAL",null,{"$f":"D21","v":0},null,{"$f":"SUM(F31,F21)","v":0},null,null,{"$f":"IF(OR($I$21=\"ERROR\",AND($I$21=\"ZERO\",$I$31=\"ZERO\")),\"ERROR\",IF(OR($I$21=\"ZERO\",$I$31=\"ZERO\"),\"ZERO\",\"OK\"))","v":"ERROR"}]
[]
[]
[]
[]
[null,"Check balance sheet is balanced",null,{"$f":"IF(AND(ABS('EBS - Other Liab'!D34-Acc_Capital)<0.001,'EBS - Assets'!$K$71<>\"ERROR\",'EBS - Direct TPs'!$M$119<>\"ERROR\",$I35<>\"ERROR\"),\"OK\",\"ERROR\")","v":"ERROR"},null,{"$f":"IF(AND(ABS('EBS - Other Liab'!F34-Reg_Capital_10)<0.001,'EBS - Assets'!$K$71<>\"ERROR\",'EBS - Direct TPs'!$M$119<>\"ERROR\",$I35<>\"ERROR\"),\"OK\",\"ERROR\")","v":"ERROR"}]

{"sheet":"Own Funds","index":7,"n_rows":129,"n_cols":13,"rows_kept":129,"cut":false,"hidden":false,"merged":[]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"Own Funds"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[null,"Basic Own Funds *",null,"Tier 1",null,"Tier 2",null,"Tier 3",null,"Total"]
[]
[null,"Ordinary Share Capital (net of own shares)"]
[]
[null,"Paid up",null,null,null,null,null,0,null,{"$f":"SUM(D9,F9,H9)","v":0}]
[null,"Called up",null,0,null,null,null,0,null,{"$f":"SUM(D10,F10,H10)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D9:D10)","v":0},null,{"$f":"SUM(F9:F10)","v":0},null,{"$f":"SUM(H9:H10)","v":0},null,{"$f":"SUM(J9:J10)","v":0},null,null,{"$f":"IF(OR(ISBLANK(D9:D10),ISBLANK(F9:F10),ISBLANK(H9:H10)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Initial Fund (less item of the same type held)"]
[]
[null,"Paid up",null,null,null,null,null,null,null,{"$f":"SUM(D16,F16,H16)","v":0}]
[null,"Called up",null,0,null,null,null,null,null,{"$f":"SUM(D17,F17,H17)","v":0}]
[null,"Callable",null,0,null,null,null,null,null,{"$f":"SUM(D18,F18,H18)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D16:D18)","v":0},null,{"$f":"SUM(F16:F18)","v":0},null,{"$f":"SUM(H16:H18)","v":0},null,{"$f":"SUM(J16:J18)","v":0},null,null,{"$f":"IF(OR(ISBLANK(D16:D18),ISBLANK(F16:F18),ISBLANK(H16:H18)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Share Premium Account"]
[]
[null,"Share Premium Account",null,null,null,null,null,0,null,{"$f":"SUM(D24,F24,H24)","v":0},null,null,{"$f":"IF(OR(D24=\"\",F24=\"\",H24=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Retained earnings including profits from the year net of foreseeable dividends"]
[]
[null,"Retained earnings",null,null,null,0,null,0,null,{"$f":"SUM(D28,F28,H28)","v":0},null,null,{"$f":"IF(OR(D28=\"\",F28=\"\",H28=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Other reserves from accounting balance sheet"]
[]
[null,"Other reserves",null,null,null,null,null,0,null,{"$f":"SUM(D32,F32,H32)","v":0},null,null,{"$f":"IF(OR(D32=\"\",F32=\"\",H32=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Reconciliation reserve - 1 in 10"]
[]
[null,"Adjustment to assets",null,{"$f":"Reg_Total_Assets-Acc_Total_Assets","v":0},null,0,null,0,null,{"$f":"SUM(D36,F36,H36)","v":0}]
[null,"Adjustments to technical provisions",null,{"$f":"('EBS - Other Liab'!Acc_Total_Liabs-'EBS - Other Liab'!Acc_Other_Liabs)-('EBS - Other Liab'!Reg_Total_Liabs_10-'EBS - Other Liab'!Reg_Other_Liabs_10)","v":0},null,0,null,0,null,{"$f":"SUM(D37,F37,H37)","v":0}]
[null,"less expected profit in future premiums",null,{"$f":"-D50","v":0},null,0,null,0,null,0]
[null,"Adjustments to other liabilities",null,{"$f":"'EBS - Other Liab'!Acc_Other_Liabs-'EBS - Other Liab'!Reg_Other_Liabs_10","v":0},null,0,null,0,null,0]
[null,"Others",null,null,null,null,null,null,null,0]
[]
[null,"Total",null,{"$f":"SUM(D36:D40)","v":0},null,{"$f":"SUM(F36:F40)","v":0},null,{"$f":"SUM(H36:H40)","v":0},null,{"$f":"SUM(J36:J40)","v":0},null,null,{"$f":"IF(OR(D40=\"\",F40=\"\",H40=\"\"),\"ERROR\",IF(SUMPRODUCT(D36:D39,D36:D39)=0,\"ZERO\",\"OK\"))","v":"ERROR"}]
[]
[null,"Surplus funds"]
[]
[null,"Surplus funds",null,null,null,0,null,0,null,{"$f":"SUM(D46,F46,H46)","v":0},null,null,{"$f":"IF(OR(D46=\"\",F46=\"\",H46=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Expected profit in future premiums"]
[]
[null,"EPIFP",null,null,null,0,null,0,null,{"$f":"SUM(D50,F50,H50)","v":0},null,null,{"$f":"IF(OR(D50=\"\",F50=\"\",H50=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Preference shares"]
[]
[null,"Dated",null,null,null,null,null,null,null,{"$f":"SUM(D54,F54,H54)","v":0}]
[null,"Undated with a call option",null,null,null,null,null,null,null,{"$f":"SUM(D55,F55,H55)","v":0}]
[null,"Undated with no contractual opportunity to redeem",null,null,null,null,null,null,null,0]
[]
[null,"Total",null,{"$f":"SUM(D54:D56)","v":0},null,{"$f":"SUM(F54:F56)","v":0},null,{"$f":"SUM(H54:H56)","v":0},null,{"$f":"SUM(J54:J56)","v":0},null,null,{"$f":"IF(OR(ISBLANK(D54:D56),ISBLANK(F54:F56),ISBLANK(H54:H56)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Subordinated liabilities"]
[]
[null,"Dated",null,null,null,null,null,null,null,{"$f":"SUM(D62,F62,H62)","v":0}]
[null,"Undated with a call option",null,null,null,null,null,null,null,{"$f":"SUM(D63,F63,H63)","v":0}]
[null,"Undated with no contractual opportunity to redeem",null,null,null,null,null,null,null,0]
[]
[null,"Total",null,{"$f":"SUM(D62:D64)","v":0},null,{"$f":"SUM(F62:F64)","v":0},null,{"$f":"SUM(H62:H64)","v":0},null,{"$f":"SUM(J62:J64)","v":0},null,null,{"$f":"IF(OR(ISBLANK(D62:D64),ISBLANK(F62:F64),ISBLANK(H62:H64)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Subordinated mutual member accounts"]
[]
[null,"Subordinated mutual member accounts",null,null,null,null,null,null,null,{"$f":"SUM(D70,F70,H70)","v":0},null,null,{"$f":"IF(OR(D70=\"\",F70=\"\",H70=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Other items not specified elsewhere"]
[]
[null,"Other items",null,null,null,null,null,null,null,{"$f":"SUM(D74,F74,H74)","v":0},null,null,{"$f":"IF(OR(D74=\"\",F74=\"\",H74=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Total Basic Own Funds"]
[]
[null,"TOTAL",null,{"$f":"SUM(D12,D20,D24,D28,D32,D42,D46,D50,D58,D66,D70,D74)","v":0},null,{"$f":"SUM(F12,F20,F24,F28,F32,F42,F46,F50,F58,F66,F70,F74)","v":0},null,{"$f":"SUM(H12,H20,H24,H28,H32,H42,H46,H50,H58,H66,H70,H74)","v":0},null,{"$f":"SUM(D78,F78,H78)","v":0},null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$M$12:$M$74,0)),\"OK\",\"ERROR\")","v":"ERROR"}]
[]
[]
[]
[null,"Adjustments to BOF",null,"Tier 1",null,"Tier 2",null,"Tier 3",null,"Total"]
[]
[null,"Deductions"]
[]
[null,"Restricted reserves",null,null,null,0,null,0,null,{"$f":"SUM(D86,F86,H86)","v":0}]
[null,"Ring fenced funds (excess OF over notional SCR)",null,null,null,0,null,0,null,{"$f":"SUM(D87,F87,H87)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D86:D87)","v":0},null,{"$f":"SUM(F86:F87)","v":0},null,{"$f":"SUM(H86:H87)","v":0},null,{"$f":"SUM(J86:J87)","v":0},null,null,{"$f":"IF(OR(ISBLANK(D86:D87),ISBLANK(F86:F87),ISBLANK(H86:H87)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Change of tier"]
[]
[null,"Restricted reserves",null,null,null,{"$f":"-D93","v":0},null,0,null,{"$f":"SUM(D93,F93,H93)","v":0}]
[null,"Other adjustments",null,null,null,null,null,null,null,{"$f":"SUM(D94,F94,H94)","v":0},null,null,{"$f":"IF(OR(J94<>0,D94=\"\",F94=\"\",H94=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Total",null,{"$f":"SUM(D93:D94)","v":0},null,{"$f":"SUM(F93:F94)","v":0},null,{"$f":"SUM(H93:H94)","v":0},null,{"$f":"SUM(J93:J94)","v":0},null,null,{"$f":"IF(OR(ISBLANK(D93:D94),ISBLANK(F93:F94),ISBLANK(H93:H94)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Total Adjustments"]
[]
[null,"TOTAL",null,{"$f":"D96-D89","v":0},null,{"$f":"F96-F89","v":0},null,{"$f":"H96-H89","v":0},null,{"$f":"SUM(D100,F100,H100)","v":0},null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$M$89:$M$96,0)),\"OK\",\"ERROR\")","v":"ERROR"}]
[]
[]
[]
[null,"Total Eligible Own Funds to meet SCR"]
[]
[null,"Eligible Own Funds ",null,{"$f":"SUM(BOF_Tier_1_10,BOF_Adj_Tier_1)","v":0},null,{"$f":"SUM(BOF_Tier_2_10,BOF_Adj_Tier_2)","v":0},null,{"$f":"SUM(BOF_Tier_3_10,BOF_Adj_Tier_3)","v":0},null,{"$f":"SUM(BOF_Total_10,BOF_Adj_Total)","v":0},null,null,{"$f":"IF(AND(M78=\"OK\",M100=\"OK\"),\"OK\",\"ERROR\")","v":"ERROR"}]
[]
[]
[]
[null,"Ancillary own fund items - for information",null,"Tier 1",null,"Tier 2",null,"Tier 3",null,"Total"]
[]
[null,"Unpaid share capital or initial fund that has not been paid up"]
[]
[null,"Total",null,0,null,null,null,null,null,{"$f":"SUM(D114,F114,H114)","v":0},null,null,{"$f":"IF(OR(F114=\"\",H114=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Letters of credit and guarantees held in trust (TS(10) 4.10.)"]
[]
[null,"Letter of credit",null,0,null,null,null,null,null,{"$f":"SUM(D118,F118,H118)","v":0}]
[null,"Guarantees held in trust",null,0,null,null,null,null,null,{"$f":"SUM(D119,F119,H119)","v":0}]
[]
[null,"Total",null,{"$f":"SUM(D118:D119)","v":0},null,{"$f":"SUM(F118:F119)","v":0},null,{"$f":"SUM(H118:H119)","v":0},null,{"$f":"SUM(J118:J119)","v":0},null,null,{"$f":"IF(OR(ISBLANK(F118:F119),ISBLANK(H118:H119)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Other items currently eligible to meet requirements under current solvency regime"]
[]
[null,"Other items",null,0,null,null,null,null,null,{"$f":"SUM(D125,F125,H125)","v":0},null,null,{"$f":"IF(OR(F125=\"\",H125=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"Total Ancillary Own Funds"]
[]
[null,"TOTAL",null,{"$f":"SUM(D114,D121,D125,)","v":0},null,{"$f":"SUM(F114,F121,F125,)","v":0},null,{"$f":"SUM(H114,H121,H125,)","v":0},null,{"$f":"SUM(J114,J121,J125,)","v":0},null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$M$114:$M$125,0)),\"OK\",\"ERROR\")","v":"ERROR"}]

{"sheet":"Market Risk Inputs","index":8,"n_rows":28,"n_cols":18,"rows_kept":28,"cut":false,"hidden":false,"merged":[[15,10,15,12],[15,2,16,2],[15,13,16,13],[15,1,16,1],[15,8,16,8],[15,9,16,9],[15,3,16,3],[15,4,16,4],[15,5,16,5],[15,6,16,6],[15,7,16,7]]}
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[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[null,"Interest Rate Risk *",null,"Assets",null,"Liabilities",null,"BOF"]
[]
[null,"Base ",null,null,null,null,null,{"$f":"ABS(D7-F7)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(D7=\"\",F7=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"1 in 10 year Shock",null,"Assets",null,"Liabilities",null,"BOF",null,null,"Capital"]
[]
[null,"MarketInterestUp (10) *",null,null,null,null,null,{"$f":"ABS($D11-$F11)","v":0},null,null,{"$f":"MAX(0,-(H11-$H$7))","v":0},null,null,null,null,null,null,{"$f":"IF(OR(D11=\"\",F11=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null,"MarketInterestDown (10) *",null,null,null,null,null,{"$f":"ABS($D12-$F12)","v":0},null,null,{"$f":"MAX(0,-(H12-$H$7))","v":0},null,null,null,null,null,null,{"$f":"IF(OR(D12=\"\",F12=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[]
[]
[null,"Currency Risk  *",null,"Assets",null,"Liabilities",null,"Exposure",null,null,"1 in 10 year shock"]
[null,null,null,null,null,null,null,null,null,null,"θ",null,"Capital"]
[]
[null,"Marketfx  *",null,null,null,null,null,{"$f":"ABS($D19-$F19)","v":0},null,null,0.12,null,{"$f":"$H19*K19","v":0},null,null,null,null,{"$f":"IF(OR(D19=\"\",F19=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[]
[]
[]
[null,"Concentration Risk  *",null,"Capital"]
[]
[null,"1 in 10 year Shock"]
[]
[null,"Marketconc (10)  *",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(D28=\"\",\"ERROR\",\"OK\")","v":"ERROR"}]

{"sheet":"Credit Spread Risk","index":9,"n_rows":34,"n_cols":13,"rows_kept":34,"cut":false,"hidden":false,"merged":[]}
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[]
[null,null,"1 in 10 simplification"]
[]
[null,null,"Bonds and loans with credit ratings"]
[]
[null,null,"CQ Step (i)",null,"% MV (i)",null,"F(up)",null,"Duration (years) *"]
[]
[null,null,0,null,null,null,{"$f":"Data!D147","v":4.0000000000000001E-3},null,null,null,null,null,{"$f":"IF(AND($E$47<>0,OR(E10=\"\",I10=\"\")),\"ERROR\",\"OK\")","v":"OK"}]
[null,null,1,null,null,null,{"$f":"Data!E147","v":5.0000000000000001E-3},null,null,null,null,null,{"$f":"IF(AND($E$47<>0,OR(E11=\"\",I11=\"\")),\"ERROR\",\"OK\")","v":"OK"}]
[null,null,2,null,null,null,{"$f":"Data!F147","v":7.0000000000000001E-3},null,null,null,null,null,{"$f":"IF(AND($E$47<>0,OR(E12=\"\",I12=\"\")),\"ERROR\",\"OK\")","v":"OK"}]
[null,null,3,null,null,null,{"$f":"Data!G147","v":1.2E-2},null,null,null,null,null,"OK"]
[null,null,4,null,null,null,{"$f":"Data!H147","v":2.1999999999999999E-2},null,null,null,null,null,"OK"]
[null,null,5,null,null,null,{"$f":"Data!I147","v":3.6999999999999998E-2},null,null,null,null,null,"OK"]
[null,null,6,null,null,null,{"$f":"Data!J147","v":3.6999999999999998E-2},null,null,null,null,null,"OK"]
[]
[null,null,"Total Rated",null,{"$f":"SUM(E10:E16)","v":0},null,null,null,{"$f":"SUMPRODUCT($E$10:$E$16,$G$10:$G$16,$I$10:$I$16)/SUMPRODUCT($E$10:$E$16,$G$10:$G$16)","v":{"$error":"#DIV/0!"}}]
[]
[]
[null,null,"Bonds and loans without credit ratings"]
[]
[null,null,null,null,"% MV ",null,null,null,"Duration (years) *"]
[]
[null,null,null,null,null,null,1.4999999999999999E-2,null,null,null,null,null,{"$f":"IF(AND(E34<>0,E18+E25<>1),\"ERROR\",\"OK\")","v":"OK"}]
[]
[]
[null,null,null,null,"MV ",null,"MV post stress",null,"∆ MV"]
[]
[null,null,"Gilts",null,{"$f":"'EBS - Assets'!F21","v":0},null,{"$f":"E30","v":0},null,{"$f":"G30-E30","v":0},null,null,null,{"$f":"IF(OR(E30=\"\",G30=\"\"),\"ERROR\",\"OK\")","v":"OK"}]
[null,null,"Rated Bonds and Loans",null,{"$f":"SUM('EBS - Assets'!F18,'EBS - Assets'!F22,'EBS - Assets'!F23,'EBS - Assets'!F24,'EBS - Assets'!F39,'EBS - Assets'!F41,'EBS - Assets'!F42)*(1-'Credit Spread Risk'!E25)","v":0},null,{"$f":"E31-E31*SUMPRODUCT(E10:E16,G10:G16,I10:I16)","v":0},null,{"$f":"G31-E31","v":0},null,null,null,{"$f":"IF(OR(E31=\"\",G31=\"\"),\"ERROR\",\"OK\")","v":"OK"}]
[null,null,"Unrated Bonds and Loans",null,{"$f":"SUM('EBS - Assets'!F18,'EBS - Assets'!F22,'EBS - Assets'!F23,'EBS - Assets'!F24,'EBS - Assets'!F39,'EBS - Assets'!F41,'EBS - Assets'!F42)*'Credit Spread Risk'!E25","v":0},null,{"$f":"E32-E32*MIN(G25*I25,1)","v":0},null,{"$f":"G32-E32","v":0},null,null,null,"OK"]
[]
[null,null,"Total",null,{"$f":"SUM(E30:E32)","v":0},null,{"$f":"SUM(G30:G32)","v":0},null,{"$f":"SUM(I30:I32)","v":0}]

{"sheet":"Counterparty Default Risk","index":10,"n_rows":22,"n_cols":11,"rows_kept":22,"cut":false,"hidden":false,"merged":[[15,1,16,1],[15,2,16,2],[15,4,16,4]]}
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[]
[]
[null,"Counterparty Default Risk",null,null,null,"1 in 10"]
[]
[null,"Capital Requirement (before diversification effects)",null,null,null,{"$f":"SUM(D19:D20)","v":0}]
[]
[null,"Diversification",null,null,"*",{"$f":"D22-F7","v":0}]
[]
[null,"SCRdefault",null,null,"*",{"$f":"SUM(F7,F9)","v":0},null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",K19:K20,0)),IF(SCR_Default_10=0,\"ZERO\",\"OK\"),\"ERROR\")","v":"ERROR"}]
[]
[]
[]
[null,"Inputs. See instructions in D19 and D20 below."]
[null,"Counterparty Default Risk",null,"Capital"]
[null,null,null,"1 in 10"]
[]
[null,"SCRdefault,1*",null,null,null,null,null,null,null,null,{"$f":"IF(SCR_Def_1_10=\"\",\"ERROR\",\"OK\")","v":"ERROR"}]
[null,"SCRdefault,2*",null,null,null,null,null,null,null,null,{"$f":"IF(SCR_Def_2_10=\"\",\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[null,"SCRdefault",null,{"$f":"IF(ISBLANK(D19:D20),0,SQRT(MMULT(MMULT(TRANSPOSE(D19:D20),DefaultCorr10),D19:D20)))","v":0}]

{"sheet":"Premium and Reserve Risk","index":11,"n_rows":802,"n_cols":27,"rows_kept":802,"cut":false,"hidden":false,"merged":[[10,1,10,2],[17,1,17,2],[11,1,11,2],[12,1,12,2],[13,1,13,2],[14,1,14,2],[15,1,15,2],[16,1,16,2],[4,1,4,2],[6,1,6,2],[7,1,7,2],[8,1,8,2],[9,1,9,2]]}
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[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[null,"Volume Measure                                              *",null,null,null,null,"        Ps         *",null,"     P(last,s)     *",null," FP(existing,s) *",null,"   FP(future,s)  *",null,"    V(prem,s)   *",null,"     V(res,s)     *",null,"       DIVs  *",null,"        Vs      ",null,null,"Number of aggregate caps","*"]
[]
[null," 1  - Motor Vehicle Liability & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MAX(G7,I7)+K7+M7","v":0},null,{"$f":"SUM('EBS - Direct TPs'!F12,'EBS - Reins TPs'!F12,-'EBS - Direct TPs'!J12,-'EBS - Reins TPs'!J12)","v":0},null,{"$f":"DIV!D39","v":1},null,{"$f":"(O7+Q7)*(0.75+0.25*S7)","v":0},null,null,null,null,null,{"$f":"IF(OR(G7=\"\",I7=\"\",K7=\"\",M7=\"\",Q7=\"\",AND(O7<>DIV!F9,S7<>100%),AND(Q7<>DIV!F24,S7<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 2  - Other Motor & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MAX(G8,I8)+K8+M8","v":0},null,{"$f":"SUM('EBS - Direct TPs'!F21,'EBS - Reins TPs'!F21,-'EBS - Direct TPs'!J21,-'EBS - Reins TPs'!J21)","v":0},null,{"$f":"DIV!D40","v":1},null,{"$f":"(O8+Q8)*(0.75+0.25*S8)","v":0},null,null,null,null,null,{"$f":"IF(OR(G8=\"\",I8=\"\",K8=\"\",M8=\"\",Q8=\"\",AND(O8<>DIV!F10,S8<>100%),AND(Q8<>DIV!F25,S8<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 3  - Marine, Aviation & Transport (MAT) & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"SUM('EBS - Direct TPs'!F30,'EBS - Reins TPs'!F30,-'EBS - Direct TPs'!J30,-'EBS - Reins TPs'!J30)","v":0},null,{"$f":"DIV!D41","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G9=\"\",I9=\"\",K9=\"\",M9=\"\",Q9=\"\",AND(O9<>DIV!F11,S9<>100%),AND(Q9<>DIV!F26,S9<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 4  - Fire & Other Damage to Property & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"SUM('EBS - Direct TPs'!F39,'EBS - Reins TPs'!F39,-'EBS - Direct TPs'!J39,-'EBS - Reins TPs'!J39)","v":0},null,{"$f":"DIV!D42","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G10=\"\",I10=\"\",K10=\"\",M10=\"\",Q10=\"\",AND(O10<>DIV!F12,S10<>100%),AND(Q10<>DIV!F27,S10<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 5  - General Liability & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"SUM('EBS - Direct TPs'!F48,'EBS - Reins TPs'!F48,-'EBS - Direct TPs'!J48,-'EBS - Reins TPs'!J48)","v":0},null,{"$f":"DIV!D43","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G11=\"\",I11=\"\",K11=\"\",M11=\"\",Q11=\"\",AND(O11<>DIV!F13,S11<>100%),AND(Q11<>DIV!F28,S11<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 6  - Credit & Suretyship & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"SUM('EBS - Direct TPs'!F57,'EBS - Reins TPs'!F57,-'EBS - Direct TPs'!J57,-'EBS - Reins TPs'!J57)","v":0},null,{"$f":"DIV!D44","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G12=\"\",I12=\"\",K12=\"\",M12=\"\",Q12=\"\",AND(O12<>DIV!F14,S12<>100%),AND(Q12<>DIV!F29,S12<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 7  - Legal Expenses & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"SUM('EBS - Direct TPs'!F66,'EBS - Reins TPs'!F66,-'EBS - Direct TPs'!J66,-'EBS - Reins TPs'!J66)","v":0},null,{"$f":"DIV!D45","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G13=\"\",I13=\"\",K13=\"\",M13=\"\",Q13=\"\",AND(O13<>DIV!F15,S13<>100%),AND(Q13<>DIV!F30,S13<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 8  - Assistance & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"SUM('EBS - Direct TPs'!F75,'EBS - Reins TPs'!F75,-'EBS - Direct TPs'!J75,-'EBS - Reins TPs'!J75)","v":0},null,{"$f":"DIV!D46","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G14=\"\",I14=\"\",K14=\"\",M14=\"\",Q14=\"\",AND(O14<>DIV!F16,S14<>100%),AND(Q14<>DIV!F31,S14<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 9  - Miscellaneous Financial Loss & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"SUM('EBS - Direct TPs'!F84,'EBS - Reins TPs'!F84,-'EBS - Direct TPs'!J84,-'EBS - Reins TPs'!J84)","v":0},null,{"$f":"DIV!D47","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G15=\"\",I15=\"\",K15=\"\",M15=\"\",Q15=\"\",AND(O15<>DIV!F17,S15<>100%),AND(Q15<>DIV!F32,S15<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[null,"25 - Non-prop. reinsurance - Casualty",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"'EBS - Reins TPs'!F120-'EBS - Reins TPs'!J120","v":0},null,{"$f":"DIV!D48","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G16=\"\",I16=\"\",K16=\"\",M16=\"\",Q16=\"\",AND(O16<>DIV!F18,S16<>100%),AND(Q16<>DIV!F33,S16<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[null,"26 - Non-prop. reinsurance - MAT",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"'EBS - Reins TPs'!F129-'EBS - Reins TPs'!J129","v":0},null,{"$f":"DIV!D49","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G17=\"\",I17=\"\",K17=\"\",M17=\"\",Q17=\"\",AND(O17<>DIV!F19,S17<>100%),AND(Q17<>DIV!F34,S17<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[null,"27 - Non-prop. reinsurance - Property",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"'EBS - Reins TPs'!F138-'EBS - Reins TPs'!J138","v":0},null,{"$f":"DIV!D50","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G18=\"\",I18=\"\",K18=\"\",M18=\"\",Q18=\"\",AND(O18<>DIV!F20,S18<>100%),AND(Q18<>DIV!F35,S18<>100%)),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[]
[]
[null,null,"Aggregate caps"]
[]
[null,1,{"$f":"RIGHT(OFFSET($B$7,B24-1,0),LEN(OFFSET($B$7,B24-1,0))-5)","v":" Motor Vehicle Liability & Prop. Reins."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   σ(prem,s) ",null,null,"     σ(res,s)    "]
[null,null,"Contract identifier *",null,null,{"$f":"IF(OFFSET($X$7,B24-1,0)=0,1,0)","v":1},"        Ps        ",null,"     P(last,s)     ",null," FP(existing,s) ",null,"   FP(future,s) ",null,"    V(prem,)   ",null,"Max exposure from V(prem) *",null,"Claims reserve *",null,"Max exposure from in-force *",null,null,{"$f":"OFFSET('Non-Life Underwriting Risk'!$K$55,'Premium and Reserve Risk'!B24-1,0)","v":8.0000000000000016E-2},null,null,{"$f":"OFFSET('Non-Life Underwriting Risk'!$M$55,'Premium and Reserve Risk'!B24-1,0)","v":0.09}]
[null,null,null,null,null,{"$f":"IF(OFFSET($X$7,B24-1,0)=0,1,0)","v":1}]
[null,1,null,null,null,{"$f":"IF(B27<=OFFSET($X$7,B24-1,0),0,1)","v":1},null,null,null,null,null,null,null,null,{"$f":"MAX(G27,I27)+K27+M27","v":0},null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O27<>0,MIN((Q27-O27)/O27/'Non-Life Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$X$25),'Premium and Reserve Risk'!$X$25))","v":8.0000000000000016E-2},null,null,{"$f":"MAX(0%,IF(S27<>0,MIN((U27-S27)/S27/'Non-Life Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$AA$25),'Premium and Reserve Risk'!$AA$25))","v":0.09}]
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[null,3,null,null,null,{"$f":"IF(B29<=OFFSET($X$7,B24-1,0),0,1)","v":1},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O29<>0,MIN((Q29-O29)/O29/'Non-Life Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$X$25),'Premium and Reserve Risk'!$X$25))","v":8.0000000000000016E-2},null,null,{"$f":"MAX(0%,IF(S29<>0,MIN((U29-S29)/S29/'Non-Life Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$AA$25),'Premium and Reserve Risk'!$AA$25))","v":0.09}]
[null,4,null,null,null,{"$f":"IF(B30<=OFFSET($X$7,B24-1,0),0,1)","v":1},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O30<>0,MIN((Q30-O30)/O30/'Non-Life Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$X$25),'Premium and Reserve Risk'!$X$25))","v":8.0000000000000016E-2},null,null,{"$f":"MAX(0%,IF(S30<>0,MIN((U30-S30)/S30/'Non-Life Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$AA$25),'Premium and Reserve Risk'!$AA$25))","v":0.09}]
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[null,13,null,null,null,{"$f":"IF(B39<=OFFSET($X$7,B24-1,0),0,1)","v":1},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O39<>0,MIN((Q39-O39)/O39/'Non-Life Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$X$25),'Premium and Reserve Risk'!$X$25))","v":8.0000000000000016E-2},null,null,{"$f":"MAX(0%,IF(S39<>0,MIN((U39-S39)/S39/'Non-Life Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$AA$25),'Premium and Reserve Risk'!$AA$25))","v":0.09}]
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[null,15,null,null,null,{"$f":"IF(B41<=OFFSET($X$7,B24-1,0),0,1)","v":1},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O41<>0,MIN((Q41-O41)/O41/'Non-Life Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$X$25),'Premium and Reserve Risk'!$X$25))","v":8.0000000000000016E-2},null,null,{"$f":"MAX(0%,IF(S41<>0,MIN((U41-S41)/S41/'Non-Life Underwriting Risk'!$E$27,'Premium and Reserve Risk'!$AA$25),'Premium and Reserve Risk'!$AA$25))","v":0.09}]
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[null,2,{"$f":"RIGHT(OFFSET($B$7,B89-1,0),LEN(OFFSET($B$7,B89-1,0))-5)","v":" Other Motor & Prop. Reins."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   σ(prem,s)  ",null,null,"     σ(res,s)     "]
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[]
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[]
[null,4,{"$f":"RIGHT(OFFSET($B$7,B219-1,0),LEN(OFFSET($B$7,B219-1,0))-5)","v":" Fire & Other Damage to Property & Prop. Reins."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   σ(prem,s)   ",null,null,"     σ(res,s)     "]
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[]
[null,5,{"$f":"RIGHT(OFFSET($B$7,B284-1,0),LEN(OFFSET($B$7,B284-1,0))-5)","v":" General Liability & Prop. Reins."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   σ(prem,s)   ",null,null,"     σ(res,s)     "]
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[]
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[]
[null,8,{"$f":"RIGHT(OFFSET($B$7,B479-1,0),LEN(OFFSET($B$7,B479-1,0))-5)","v":" Assistance & Prop. Reins."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   σ(prem,s)   ",null,null,"     σ(res,s)     "]
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[]
[null,9,{"$f":"RIGHT(OFFSET($B$7,B544-1,0),LEN(OFFSET($B$7,B544-1,0))-5)","v":" Miscellaneous Financial Loss & Prop. Reins."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   σ(prem,s)   ",null,null,"     σ(res,s)     "]
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[]
[null,25,{"$f":"RIGHT(OFFSET($B$7,B609-16,0),LEN(OFFSET($B$7,B609-16,0))-5)","v":"Non-prop. reinsurance - Casualty"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   σ(prem,s)   ",null,null,"     σ(res,s)     "]
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[]
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[null,null,null,null,null,{"$f":"IF(OFFSET($X$7,B739-16,0)=0,1,0)","v":1}]

{"sheet":"DIV","index":12,"n_rows":50,"n_cols":47,"rows_kept":50,"cut":false,"hidden":false,"merged":[[54,3,61,16]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"DIV"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[null,"See TS(10) 2.6.4.17 for details of the calculation of DIVs.  If data is not input here for a LOB, DIVs will default to 100%."]
[]
[null,"Premium and Reserve Risk",null,null,"j","       1-19      *",null,"          1         *",null,"          2         *",null,"          3         *",null,"          4         *",null,"          5         *",null,"          6         *",null,"          7         *",null,"          8         *",null,"          9         *",null,"         10        *",null,"         11        *",null,"         12        *",null,"         13        *",null,"         14        *",null,"         15        *",null,"         16        *",null,"         17        *",null,"         18        *",null,"         19        *"]
[]
[null,"Premium  *",null,null,null,"V(prem,s)",null,"V(prem,1,s)",null,"V(prem,2,s)",null,"V(prem,3,s)",null,"V(prem,4,s)",null,"V(prem,5,s)",null,"V(prem,6,s)",null,"V(prem,7,s)",null,"V(prem,8,s)",null,"V(prem,9,s)",null,"V(prem,10,s)",null,"V(prem,11,s)",null,"V(prem,12,s)",null,"V(prem,13,s)",null,"V(prem,14,s)",null,"V(prem,15,s)",null,"V(prem,16,s)",null,"V(prem,17,s)",null,"V(prem,18,s)",null,"V(prem,19,s)"]
[]
[null,"V(prem,j,1)",null,null,"*",{"$f":"SUM(H9:AR9)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F9<>'Premium and Reserve Risk'!O7,\"ERROR\",IF(OR(H9=\"\",J9=\"\",L9=\"\",N9=\"\",P9=\"\",R9=\"\",T9=\"\",V9=\"\",X9=\"\",Z9=\"\",AB9=\"\",AD9=\"\",AF9=\"\",AH9=\"\",AJ9=\"\",AL9=\"\",AN9=\"\",AR9=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(prem,j,2)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F10<>'Premium and Reserve Risk'!O8,\"ERROR\",IF(OR(H10=\"\",J10=\"\",L10=\"\",N10=\"\",P10=\"\",R10=\"\",T10=\"\",V10=\"\",X10=\"\",Z10=\"\",AB10=\"\",AD10=\"\",AF10=\"\",AH10=\"\",AJ10=\"\",AL10=\"\",AN10=\"\",AR10=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(prem,j,3)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F11<>'Premium and Reserve Risk'!O9,\"ERROR\",IF(OR(H11=\"\",J11=\"\",L11=\"\",N11=\"\",P11=\"\",R11=\"\",T11=\"\",V11=\"\",X11=\"\",Z11=\"\",AB11=\"\",AD11=\"\",AF11=\"\",AH11=\"\",AJ11=\"\",AL11=\"\",AN11=\"\",AR11=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(prem,j,4)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F12<>'Premium and Reserve Risk'!O10,\"ERROR\",IF(OR(H12=\"\",J12=\"\",L12=\"\",N12=\"\",P12=\"\",R12=\"\",T12=\"\",V12=\"\",X12=\"\",Z12=\"\",AB12=\"\",AD12=\"\",AF12=\"\",AH12=\"\",AJ12=\"\",AL12=\"\",AN12=\"\",AR12=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(prem,j,5)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F13<>'Premium and Reserve Risk'!O11,\"ERROR\",IF(OR(H13=\"\",J13=\"\",L13=\"\",N13=\"\",P13=\"\",R13=\"\",T13=\"\",V13=\"\",X13=\"\",Z13=\"\",AB13=\"\",AD13=\"\",AF13=\"\",AH13=\"\",AJ13=\"\",AL13=\"\",AN13=\"\",AR13=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(prem,j,6)",null,null,"*",0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"V(prem,j,7)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F15<>'Premium and Reserve Risk'!O13,\"ERROR\",IF(OR(H15=\"\",J15=\"\",L15=\"\",N15=\"\",P15=\"\",R15=\"\",T15=\"\",V15=\"\",X15=\"\",Z15=\"\",AB15=\"\",AD15=\"\",AF15=\"\",AH15=\"\",AJ15=\"\",AL15=\"\",AN15=\"\",AR15=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(prem,j,8)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F16<>'Premium and Reserve Risk'!O14,\"ERROR\",IF(OR(H16=\"\",J16=\"\",L16=\"\",N16=\"\",P16=\"\",R16=\"\",T16=\"\",V16=\"\",X16=\"\",Z16=\"\",AB16=\"\",AD16=\"\",AF16=\"\",AH16=\"\",AJ16=\"\",AL16=\"\",AN16=\"\",AR16=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(prem,j,9)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F17<>'Premium and Reserve Risk'!O15,\"ERROR\",IF(OR(H17=\"\",J17=\"\",L17=\"\",N17=\"\",P17=\"\",R17=\"\",T17=\"\",V17=\"\",X17=\"\",Z17=\"\",AB17=\"\",AD17=\"\",AF17=\"\",AH17=\"\",AJ17=\"\",AL17=\"\",AN17=\"\",AR17=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(prem,j,25)",null,null,"*",0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"V(prem,j,26)",null,null,"*",0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"V(prem,j,27)",null,null,"*",0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[]
[null,"Reserve  *",null,null,null,"V(res,s)",null,"V(res,1,s)",null,"V(res,2,s)",null,"V(res,3,s)",null,"V(res,4,s)",null,"V(res,5,s)",null,"V(res,6,s)",null,"V(res,7,s)",null,"V(res,8,s)",null,"V(res,9,s)",null,"V(res,10,s)",null,"V(res,11,s)",null,"V(res,12,s)",null,"V(res,13,s)",null,"V(res,14,s)",null,"V(res,15,s)",null,"V(res,16,s)",null,"V(res,17,s)",null,"V(res,18,s)",null,"V(res,19,s)"]
[]
[null,"V(res,j,1)",null,null,"*",{"$f":"SUM(H24:AR24)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F24<>'Premium and Reserve Risk'!Q7,\"ERROR\",IF(OR(H24=\"\",J24=\"\",L24=\"\",N24=\"\",P24=\"\",R24=\"\",T24=\"\",V24=\"\",X24=\"\",Z24=\"\",AB24=\"\",AD24=\"\",AF24=\"\",AH24=\"\",AJ24=\"\",AL24=\"\",AN24=\"\",AR24=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(res,j,2)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F25<>'Premium and Reserve Risk'!Q8,\"ERROR\",IF(OR(H25=\"\",J25=\"\",L25=\"\",N25=\"\",P25=\"\",R25=\"\",T25=\"\",V25=\"\",X25=\"\",Z25=\"\",AB25=\"\",AD25=\"\",AF25=\"\",AH25=\"\",AJ25=\"\",AL25=\"\",AN25=\"\",AR25=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(res,j,3)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F26<>'Premium and Reserve Risk'!Q9,\"ERROR\",IF(OR(H26=\"\",J26=\"\",L26=\"\",N26=\"\",P26=\"\",R26=\"\",T26=\"\",V26=\"\",X26=\"\",Z26=\"\",AB26=\"\",AD26=\"\",AF26=\"\",AH26=\"\",AJ26=\"\",AL26=\"\",AN26=\"\",AR26=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(res,j,4)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F27<>'Premium and Reserve Risk'!Q10,\"ERROR\",IF(OR(H27=\"\",J27=\"\",L27=\"\",N27=\"\",P27=\"\",R27=\"\",T27=\"\",V27=\"\",X27=\"\",Z27=\"\",AB27=\"\",AD27=\"\",AF27=\"\",AH27=\"\",AJ27=\"\",AL27=\"\",AN27=\"\",AR27=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(res,j,5)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F28<>'Premium and Reserve Risk'!Q11,\"ERROR\",IF(OR(H28=\"\",J28=\"\",L28=\"\",N28=\"\",P28=\"\",R28=\"\",T28=\"\",V28=\"\",X28=\"\",Z28=\"\",AB28=\"\",AD28=\"\",AF28=\"\",AH28=\"\",AJ28=\"\",AL28=\"\",AN28=\"\",AR28=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(res,j,6)",null,null,"*",0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"V(res,j,7)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F30<>'Premium and Reserve Risk'!Q13,\"ERROR\",IF(OR(H30=\"\",J30=\"\",L30=\"\",N30=\"\",P30=\"\",R30=\"\",T30=\"\",V30=\"\",X30=\"\",Z30=\"\",AB30=\"\",AD30=\"\",AF30=\"\",AH30=\"\",AJ30=\"\",AL30=\"\",AN30=\"\",AR30=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(res,j,8)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F31<>'Premium and Reserve Risk'!Q14,\"ERROR\",IF(OR(H31=\"\",J31=\"\",L31=\"\",N31=\"\",P31=\"\",R31=\"\",T31=\"\",V31=\"\",X31=\"\",Z31=\"\",AB31=\"\",AD31=\"\",AF31=\"\",AH31=\"\",AJ31=\"\",AL31=\"\",AN31=\"\",AR31=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(res,j,9)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F32<>'Premium and Reserve Risk'!Q15,\"ERROR\",IF(OR(H32=\"\",J32=\"\",L32=\"\",N32=\"\",P32=\"\",R32=\"\",T32=\"\",V32=\"\",X32=\"\",Z32=\"\",AB32=\"\",AD32=\"\",AF32=\"\",AH32=\"\",AJ32=\"\",AL32=\"\",AN32=\"\",AR32=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(res,j,25)",null,null,"*",0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"V(res,j,26)",null,null,"*",0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"V(res,j,27)",null,null,"*",0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[]
[null,"DIV",null,"       DIVs        *"]
[]
[null,"DIV1",null,{"$f":"IF(OR(F9+F24=0,SUM(H39:AR39)=0),1,SUM(H39:AR39)/((F9+F24)^2))","v":1},null,null,null,{"$f":"(H9+H24)^2","v":0},null,{"$f":"(J9+J24)^2","v":0},null,{"$f":"(L9+L24)^2","v":0},null,{"$f":"(N9+N24)^2","v":0},null,{"$f":"(P9+P24)^2","v":0},null,{"$f":"(R9+R24)^2","v":0},null,{"$f":"(T9+T24)^2","v":0},null,{"$f":"(V9+V24)^2","v":0},null,{"$f":"(X9+X24)^2","v":0},null,{"$f":"(Z9+Z24)^2","v":0},null,{"$f":"(AB9+AB24)^2","v":0},null,{"$f":"(AD9+AD24)^2","v":0},null,{"$f":"(AF9+AF24)^2","v":0},null,{"$f":"(AH9+AH24)^2","v":0},null,{"$f":"(AJ9+AJ24)^2","v":0},null,{"$f":"(AL9+AL24)^2","v":0},null,{"$f":"(AN9+AN24)^2","v":0},null,{"$f":"(AP9+AP24)^2","v":0},null,{"$f":"(AR9+AR24)^2","v":0}]
[null,"DIV2",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"DIV3",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"DIV4",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"DIV5",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"DIV6",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"DIV7",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"DIV8",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"DIV9",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"DIV25",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"DIV26",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[null,"DIV27",null,1,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]

{"sheet":"Lapse Risk","index":13,"n_rows":100,"n_cols":20,"rows_kept":100,"cut":false,"hidden":false,"merged":[]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"Lapse Risk"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[null,"This sheet may be used to estimate the Lapse Risk Charge for Non-Life Business, as described in TS(10) 2.6.5"]
[]
[null,"Lapse Risk",null,null,null,"Profitable Grouping  *",null,"Line of Business",null,"2018 Pipeline Premiums  *",null,"Ultimate Loss Ratio  *",null,"Claims Expense Ratio  *",null,null,"Lapse Risk Charge"]
[]
[null,"1 in 10 year Shock"]
[]
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[null,null,null,6,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,7,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,8,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,9,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,10,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
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[null,null,null,13,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
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[null,null,null,15,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
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[null,null,null,17,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,18,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
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[null,null,null,20,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
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[null,null,null,26,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,27,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,28,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,29,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,30,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,31,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,32,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
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[null,null,null,36,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
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[null,null,null,38,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,39,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,40,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,41,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,42,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,43,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,44,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,45,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,46,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,47,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
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[null,null,null,51,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,52,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,53,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,54,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,55,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,56,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,57,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,58,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,59,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,60,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,61,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,62,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,63,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,64,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,65,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,66,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,67,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,68,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,69,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,70,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,71,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,72,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,73,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
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[null,null,null,77,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,78,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,79,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,80,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,81,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,82,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,83,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,84,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,85,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,86,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,87,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,88,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,89,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[null,null,null,90,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"ERROR"]
[]
[null,"Lapse Up 20%",null,"Total Lapse Risk Charge",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Q9:Q98)","v":0},null,null,{"$f":"IF(LAPSE_UP_10=0,\"ZERO\",\"OK\")","v":"ZERO"}]

{"sheet":"Health_Prem & Reserve Risk","index":14,"n_rows":274,"n_cols":27,"rows_kept":274,"cut":false,"hidden":false,"merged":[]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"Health_Prem & Reserve Risk"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[null,"Volume Measure                                              *",null,null,null,null,"        Ps         *",null,"     P(last,s)     *",null," FP(existing,s) *",null,"   FP(future,s)  *",null,"    V(prem,s)   *",null,"     V(res,s)     *",null,"       Health_DIVs *",null,"        Vs         *",null,null,"Number of aggregate caps  *"]
[]
[null," 10  - Medical expense & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MAX(G7,I7)+K7+M7","v":0},null,{"$f":"SUM('EBS - Direct TPs'!F93,'EBS - Reins TPs'!F93,-'EBS - Direct TPs'!J93,-'EBS - Reins TPs'!J93)","v":0},null,{"$f":"Health_DIV!D23","v":1},null,{"$f":"(O7+Q7)*(0.75+0.25*S7)","v":0},null,null,null,null,null,{"$f":"IF(OR(G7=\"\",I7=\"\",K7=\"\",M7=\"\",Q7=\"\",O7<>Health_DIV!F9,Q7<>Health_DIV!F16),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 11  - Income Protection & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"SUM('EBS - Direct TPs'!F102,'EBS - Reins TPs'!F102,-'EBS - Direct TPs'!J102,-'EBS - Reins TPs'!J102)","v":0},null,{"$f":"Health_DIV!D24","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G8=\"\",I8=\"\",K8=\"\",M8=\"\",Q8=\"\",O8<>Health_DIV!F10,Q8<>Health_DIV!F17),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 12  - Workers' compensation & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"SUM('EBS - Direct TPs'!F111,'EBS - Reins TPs'!F111,-'EBS - Direct TPs'!J111,-'EBS - Reins TPs'!J111)","v":0},null,{"$f":"Health_DIV!D25","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G9=\"\",I9=\"\",K9=\"\",M9=\"\",Q9=\"\",O9<>Health_DIV!F11,Q9<>Health_DIV!F18),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 28 - Non-prop. reinsurance - Health",null,null,null,null,null,null,null,null,null,null,null,null,0,null,{"$f":"'EBS - Reins TPs'!F147-'EBS - Reins TPs'!J147","v":0},null,{"$f":"Health_DIV!D26","v":1},null,0,null,null,null,null,null,{"$f":"IF(OR(G10=\"\",I10=\"\",K10=\"\",M10=\"\",Q10=\"\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[]
[]
[null,null,"Aggregate caps"]
[]
[null,10,{"$f":"RIGHT(OFFSET($B$7,B16-10,0),LEN(OFFSET($B$7,B16-10,0))-5)","v":"- Medical expense & Prop. Reins."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"   σ(prem,s)   ",null,null,"     σ(res,s)     "]
[null,null,"Contract identifier",null,null,{"$f":"IF(OFFSET($X$7,B16-10,0)=0,1,0)","v":1},"        Ps         ",null,"     P(last,s)    ",null," FP(existing,s)",null,"   FP(future,s)",null,"    V(prem,)   ",null,"Max exposure from V(prem) *",null,"Claims reserve *",null,"Max exposure from in-force *",null,null,{"$f":"OFFSET('Non-SLT Health Risk'!$H$54,'Health_Prem & Reserve Risk'!B16-10,0)","v":0.05},null,null,{"$f":"OFFSET('Non-SLT Health Risk'!$L$54,'Health_Prem & Reserve Risk'!B16-10,0)","v":0.05}]
[null,null,null,null,null,{"$f":"IF(OFFSET($X$7,$B$16-10,0)=0,1,0)","v":1}]
[null,1,null,null,null,{"$f":"IF(B19<=OFFSET($X$7,$B$16-10,0),0,1)","v":1},null,null,null,null,null,null,null,null,{"$f":"MAX(G19,I19)+K19+M19","v":0},null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O19<>0,MIN((Q19-O19)/O19/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S19<>0,MIN((U19-S19)/S19/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,2,null,null,null,{"$f":"IF(B20<=OFFSET($X$7,$B$16-10,0),0,1)","v":1},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O20<>0,MIN((Q20-O20)/O20/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S20<>0,MIN((U20-S20)/S20/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,3,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O21<>0,MIN((Q21-O21)/O21/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S21<>0,MIN((U21-S21)/S21/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,4,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O22<>0,MIN((Q22-O22)/O22/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S22<>0,MIN((U22-S22)/S22/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,5,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O23<>0,MIN((Q23-O23)/O23/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S23<>0,MIN((U23-S23)/S23/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,6,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O24<>0,MIN((Q24-O24)/O24/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S24<>0,MIN((U24-S24)/S24/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,7,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O25<>0,MIN((Q25-O25)/O25/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S25<>0,MIN((U25-S25)/S25/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,8,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O26<>0,MIN((Q26-O26)/O26/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S26<>0,MIN((U26-S26)/S26/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,9,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O27<>0,MIN((Q27-O27)/O27/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S27<>0,MIN((U27-S27)/S27/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,10,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O28<>0,MIN((Q28-O28)/O28/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S28<>0,MIN((U28-S28)/S28/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,11,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O29<>0,MIN((Q29-O29)/O29/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S29<>0,MIN((U29-S29)/S29/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,12,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O30<>0,MIN((Q30-O30)/O30/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S30<>0,MIN((U30-S30)/S30/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,13,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O31<>0,MIN((Q31-O31)/O31/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S31<>0,MIN((U31-S31)/S31/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,14,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O32<>0,MIN((Q32-O32)/O32/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S32<>0,MIN((U32-S32)/S32/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,15,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O33<>0,MIN((Q33-O33)/O33/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S33<>0,MIN((U33-S33)/S33/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,16,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O34<>0,MIN((Q34-O34)/O34/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S34<>0,MIN((U34-S34)/S34/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,17,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O35<>0,MIN((Q35-O35)/O35/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S35<>0,MIN((U35-S35)/S35/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
[null,18,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O36<>0,MIN((Q36-O36)/O36/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S36<>0,MIN((U36-S36)/S36/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
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[null,20,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O38<>0,MIN((Q38-O38)/O38/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S38<>0,MIN((U38-S38)/S38/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
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[null,22,null,null,null,1,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"MAX(0%,IF(O40<>0,MIN((Q40-O40)/O40/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$X$17),'Health_Prem & Reserve Risk'!$X$17))","v":0.05},null,null,{"$f":"MAX(0%,IF(S40<>0,MIN((U40-S40)/S40/'Non-SLT Health Risk'!$E$27,'Health_Prem & Reserve Risk'!$AA$17),'Health_Prem & Reserve Risk'!$AA$17))","v":0.05}]
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[]
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[]
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{"sheet":"Health_DIV","index":15,"n_rows":26,"n_cols":47,"rows_kept":26,"cut":false,"hidden":false,"merged":[[30,3,37,16]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"Health_DIV"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[null,"See TS(10) 2.7.4.18 for details of the calculation of DIVs.  If data is not input here for a LOB, DIVs will default to 100%."]
[]
[null,"Premium and Reserve Risk",null,null,"j","       1-19      *",null,"          1         *",null,"          2         *",null,"          3         *",null,"          4         *",null,"          5         *",null,"          6         *",null,"          7         *",null,"          8         *",null,"          9         *",null,"         10        *",null,"         11        *",null,"         12        *",null,"         13        *",null,"         14        *",null,"         15        *",null,"         16        *",null,"         17        *",null,"         18        *",null,"         19        *"]
[]
[null,"Premium  *",null,null,null,"V(prem,s)",null,"V(prem,1,s)",null,"V(prem,2,s)",null,"V(prem,3,s)",null,"V(prem,4,s)",null,"V(prem,5,s)",null,"V(prem,6,s)",null,"V(prem,7,s)",null,"V(prem,8,s)",null,"V(prem,9,s)",null,"V(prem,10,s)",null,"V(prem,11,s)",null,"V(prem,12,s)",null,"V(prem,13,s)",null,"V(prem,14,s)",null,"V(prem,15,s)",null,"V(prem,16,s)",null,"V(prem,17,s)",null,"V(prem,18,s)",null,"V(prem,19,s)"]
[]
[null,"V(prem,j,10)",null,null,"*",{"$f":"SUM(H9:AR9)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F9<>'Health_Prem & Reserve Risk'!O7,\"ERROR\",IF(OR(H9=\"\",J9=\"\",L9=\"\",N9=\"\",P9=\"\",R9=\"\",T9=\"\",V9=\"\",X9=\"\",Z9=\"\",AB9=\"\",AD9=\"\",AF9=\"\",AH9=\"\",AJ9=\"\",AL9=\"\",AN9=\"\",AR9=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(prem,j,11)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F10<>'Health_Prem & Reserve Risk'!O8,\"ERROR\",IF(OR(H10=\"\",J10=\"\",L10=\"\",N10=\"\",P10=\"\",R10=\"\",T10=\"\",V10=\"\",X10=\"\",Z10=\"\",AB10=\"\",AD10=\"\",AF10=\"\",AH10=\"\",AJ10=\"\",AL10=\"\",AN10=\"\",AR10=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(prem,j,12)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F11<>'Health_Prem & Reserve Risk'!O9,\"ERROR\",IF(OR(H11=\"\",J11=\"\",L11=\"\",N11=\"\",P11=\"\",R11=\"\",T11=\"\",V11=\"\",X11=\"\",Z11=\"\",AB11=\"\",AD11=\"\",AF11=\"\",AH11=\"\",AJ11=\"\",AL11=\"\",AN11=\"\",AR11=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(prem,j,28)",null,null,"*",0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[]
[null,"Reserve  *",null,null,null,"V(res,s)",null,"V(res,1,s)",null,"V(res,2,s)",null,"V(res,3,s)",null,"V(res,4,s)",null,"V(res,5,s)",null,"V(res,6,s)",null,"V(res,7,s)",null,"V(res,8,s)",null,"V(res,9,s)",null,"V(res,10,s)",null,"V(res,11,s)",null,"V(res,12,s)",null,"V(res,13,s)",null,"V(res,14,s)",null,"V(res,15,s)",null,"V(res,16,s)",null,"V(res,17,s)",null,"V(res,18,s)",null,"V(res,19,s)"]
[]
[null,"V(res,j,10)",null,null,"*",{"$f":"SUM(H16:AR16)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F16<>'Health_Prem & Reserve Risk'!Q7,\"ERROR\",IF(OR(H16=\"\",J16=\"\",L16=\"\",N16=\"\",P16=\"\",R16=\"\",T16=\"\",V16=\"\",X16=\"\",Z16=\"\",AB16=\"\",AD16=\"\",AF16=\"\",AH16=\"\",AJ16=\"\",AL16=\"\",AN16=\"\",AR16=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(res,j,11)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F17<>'Health_Prem & Reserve Risk'!Q8,\"ERROR\",IF(OR(H17=\"\",J17=\"\",L17=\"\",N17=\"\",P17=\"\",R17=\"\",T17=\"\",V17=\"\",X17=\"\",Z17=\"\",AB17=\"\",AD17=\"\",AF17=\"\",AH17=\"\",AJ17=\"\",AL17=\"\",AN17=\"\",AR17=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(res,j,12)",null,null,"*",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(F18<>'Health_Prem & Reserve Risk'!Q9,\"ERROR\",IF(OR(H18=\"\",J18=\"\",L18=\"\",N18=\"\",P18=\"\",R18=\"\",T18=\"\",V18=\"\",X18=\"\",Z18=\"\",AB18=\"\",AD18=\"\",AF18=\"\",AH18=\"\",AJ18=\"\",AL18=\"\",AN18=\"\",AR18=\"\"),\"ZERO\",\"OK\"))","v":"ZERO"}]
[null,"V(res,j,28)",null,null,"*",0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0,null,0]
[]
[null,"DIV",null,"       DIVs        *"]
[]
[null,"DIV10",null,{"$f":"IF(OR(F9+F16=0,SUM(H23:AR23)=0),1,SUM(H23:AR23)/((F9+F16)^2))","v":1},null,null,null,{"$f":"(H9+H16)^2","v":0},null,{"$f":"(J9+J16)^2","v":0},null,{"$f":"(L9+L16)^2","v":0},null,{"$f":"(N9+N16)^2","v":0},null,{"$f":"(P9+P16)^2","v":0},null,{"$f":"(R9+R16)^2","v":0},null,{"$f":"(T9+T16)^2","v":0},null,{"$f":"(V9+V16)^2","v":0},null,{"$f":"(X9+X16)^2","v":0},null,{"$f":"(Z9+Z16)^2","v":0},null,{"$f":"(AB9+AB16)^2","v":0},null,{"$f":"(AD9+AD16)^2","v":0},null,{"$f":"(AF9+AF16)^2","v":0},null,{"$f":"(AH9+AH16)^2","v":0},null,{"$f":"(AJ9+AJ16)^2","v":0},null,{"$f":"(AL9+AL16)^2","v":0},null,{"$f":"(AN9+AN16)^2","v":0},null,{"$f":"(AP9+AP16)^2","v":0},null,{"$f":"(AR9+AR16)^2","v":0}]
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{"sheet":"Health_Lapse Risk","index":16,"n_rows":70,"n_cols":20,"rows_kept":70,"cut":false,"hidden":false,"merged":[]}
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[null,"This sheet may be used to estimate the Lapse Risk Charge for Health Business, as described in TS(10) 2.7.4.21-2.7.4.23"]
[]
[null,"Health Lapse Risk",null,null,null,"Profitable Grouping  *",null,"Line of Business",null,"2018 Pipeline Premiums  *",null,"Ultimate Loss Ratio  *",null,"Claims Expense Ratio  *",null,null,"Lapse Risk Charge"]
[]
[null,"1 in 10 year Shock"]
[]
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[]
[null,"Health Lapse Up 20%",null,"Total Lapse Risk Charge",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Q9:Q68)","v":0},null,null,{"$f":"IF(LAPSE_UP_10=0,\"ZERO\",\"OK\")","v":"ZERO"}]

{"sheet":"Market Risk","index":17,"n_rows":62,"n_cols":19,"rows_kept":62,"cut":false,"hidden":false,"merged":[[40,7,41,7],[40,8,41,8],[40,9,41,9],[40,10,41,10],[40,11,40,13],[40,14,41,14],[30,8,31,8],[30,9,31,9],[30,10,31,10],[30,11,30,13],[30,14,31,14],[40,1,41,1],[40,3,41,3],[40,4,41,4],[40,5,41,5],[40,6,41,6],[30,7,31,7],[30,1,31,1],[30,3,31,3],[30,4,31,4],[30,5,31,5],[30,6,31,6]]}
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[]
[]
[null,"Market Risk",null,null,"1 in 10"]
[]
[null,"Marketinterest","*",null,{"$f":"E27","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"S27","v":"ERROR"}]
[null,"Marketequity","*",null,{"$f":"N37","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"S37","v":"ERROR"}]
[null,"Marketproperty","*",null,{"$f":"N44","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"S44","v":"ERROR"}]
[null,"Marketfx","*",null,{"$f":"E50","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$S$50:$S$50,0)),\"OK\",\"ERROR\")","v":"ERROR"}]
[null,"Marketspread","*",null,{"$f":"E56","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"S56","v":"ZERO"}]
[null,"Marketconc","*",null,{"$f":"E62","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"S62","v":"ERROR"}]
[]
[null,"Capital Requirement (before div. effects)",null,null,{"$f":"SUM(E7:E12)","v":0}]
[]
[null,"Diversification",null,null,{"$f":"E18-E14","v":0}]
[]
[null,"SCRmarket","*",null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(E7:E12),MarketCorr_10),E7:E12))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$S$7:$S$12,0)),\"OK\",\"ERROR\")","v":"ERROR"}]
[]
[]
[]
[null,"Interest Rate Risk",null,null,"1 in 10"]
[]
[null,"MarketinterestUp",null,null,{"$f":"Mkt_Int_Up_10","v":0}]
[null,"MarketinterestDown",null,null,{"$f":"Mkt_Int_Down_10","v":0}]
[]
[null,"Marketinterest",null,null,{"$f":"MAX(0,E24:E25)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND('Market Risk Inputs'!R7=\"OK\",ISERROR(MATCH(\"ERROR\",'Market Risk Inputs'!$R$11:$R$12,0))),IF(OR(E24=0,E25=0),\"ZERO\",\"OK\"),\"ERROR\")","v":"ERROR"}]
[]
[]
[]
[null,"Equity Risk",null,null,"Assets",null,"Liabilities",null,"Exposure",null,null,"1 in 10 year shock"]
[null,null,null,null,null,null,null,null,null,null,null,"θ",null,"Capital"]
[]
[null,"Marketequity,1",null,null,{"$f":"'EBS - Assets'!F19","v":0},null,0,null,{"$f":"ABS($E34-$G34)","v":0},null,null,0.19,null,{"$f":"$I34*L34","v":0},null,null,null,null,{"$f":"IF(OR(E34=\"\",G34=\"\"),\"ERROR\",\"OK\")","v":"OK"}]
[null,"Marketequity,2",null,null,{"$f":"'EBS - Assets'!F20","v":0},null,0,null,{"$f":"ABS($E35-$G35)","v":0},null,null,0.24,null,{"$f":"$I35*L35","v":0},null,null,null,null,{"$f":"IF(OR(E35=\"\",G35=\"\"),\"ERROR\",\"OK\")","v":"OK"}]
[]
[null,"Marketequity",null,null,null,null,null,null,null,null,null,null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(N$34:N$35),EqCorr10),N$34:N$35))","v":0},null,null,null,null,{"$f":"IF('Market Risk Inputs'!R7=\"ERROR\",\"ERROR\",IF(SUMPRODUCT(N34:N35,N34:N35)=0,\"ZERO\",\"OK\"))","v":"ERROR"}]
[]
[]
[]
[null,"Property Risk",null,null,"Assets",null,"Liabilities",null,"Exposure",null,null,"1 in 10 year shock"]
[null,null,null,null,null,null,null,null,null,null,null,"θ",null,"Capital"]
[]
[null,"Marketproperty",null,null,{"$f":"'EBS - Assets'!F17","v":0},null,0,null,{"$f":"ABS($E44-$G44)","v":0},null,null,0.12,null,{"$f":"$I44*L44","v":0},null,null,null,null,{"$f":"IF(OR('Market Risk Inputs'!R7=\"ERROR\",E44=\"\",I44=\"\"),\"ERROR\",IF(N44=0,\"ZERO\",\"OK\"))","v":"ERROR"}]
[]
[]
[]
[null,"Currency Risk",null,null,"1 in 10"]
[]
[null,"Marketfx",null,null,{"$f":"'Market Risk Inputs'!M19","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR('Market Risk Inputs'!R7=\"ERROR\",'Market Risk Inputs'!$R$19=\"ERROR\"),\"ERROR\",IF(Mkt_FX_10=0,\"ZERO\",\"OK\"))","v":"ERROR"}]
[]
[]
[]
[null,"Spread Risk",null,null,"1 in 10"]
[]
[null,"Marketspbonds",null,null,{"$f":"-'Credit Spread Risk'!I34","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR('Credit Spread Risk'!M30=\"\",'Credit Spread Risk'!M31=\"\",'Credit Spread Risk'!M32=\"\",E44=\"\"),\"ERROR\",IF(E44=0,\"ZERO\",\"OK\"))","v":"ZERO"}]
[]
[]
[]
[null,"Concentration Risk",null,null,"1 in 10"]
[]
[null,"Marketconc",null,null,{"$f":"'Market Risk Inputs'!D28","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR('Market Risk Inputs'!R7=\"ERROR\",'Market Risk Inputs'!$R$28=\"ERROR\"),\"ERROR\",IF(E62=0,\"ZERO\",\"OK\"))","v":"ERROR"}]

{"sheet":"Non-Life Underwriting Risk","index":18,"n_rows":105,"n_cols":18,"rows_kept":105,"cut":false,"hidden":false,"merged":[]}
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[]
[]
[null,"Non-Life Underwriting Risk",null,null,"1 in 10"]
[]
[null,"NLpr","*",null,{"$f":"NL_PR_10","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"R29","v":"ERROR"}]
[null,"NLlapse","*",null,{"$f":"NL_Lapse_10","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$R$36,0)),\"OK\",\"ERROR\")","v":"OK"}]
[null,null,null,null,{"$f":"NL_CAT_10","v":0}]
[]
[null,"Capital Requirement (before div. effects)",null,null,{"$f":"SUM(E7:E9)","v":0}]
[]
[null,"Diversification",null,null,{"$f":"E15-E11","v":0}]
[]
[null,"SCRnon-life","*",null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(E7:E9),NLCorr_10),E7:E9))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$R$7:$R$9,0)),\"OK\",\"ERROR\")","v":"ERROR"}]
[]
[null,"SCRnon-life_stop_loss","*"]
[]
[null,"SCRnon-life_capped",null,null,{"$f":"IF(E17<>0,MIN(E17,SCR_Non_Life_10),SCR_Non_Life_10)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AND(E17<>0,E19=E17),AND(E17=0,SCR_Non_Life_10=E19)),\"OK\",\"ERROR\")","v":"OK"}]
[]
[]
[]
[null,"Premium and Reserve Risk",null,null,"1 in 10"]
[]
[null,"Vnl",null,null,{"$f":"'Non-Life Underwriting Risk'!G104","v":0}]
[null,"σnl",null,null,{"$f":"'Non-Life Underwriting Risk'!G105","v":0}]
[null,"θ",null,null,1.3]
[]
[null,"NLpr",null,null,{"$f":"E$25*E$26*E$27","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Premium and Reserve Risk'!$AA:$AA,0)),IF(NL_PR_10=0,\"ZERO\",\"OK\"),\"ERROR\")","v":"ERROR"}]
[]
[]
[]
[null,"Lapse Risk",null,null,"1 in 10"]
[]
[]
[null,"NLlapse",null,null,{"$f":"LAPSE_UP_10","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF((R34=\"ERROR\"),\"ERROR\",IF(NL_Lapse_10=0,\"ZERO\",\"OK\"))","v":"ZERO"}]
[]
[]
[]
[null,"Non-Life Catastrophe Risk",null,null,"1 in 10"]
[]
[null,"NLCATnatural",null,null,0]
[null,"NLCATnpproperty",null,null,0]
[null,"NLCATmanmade",null,null,0]
[null,"NLCATother",null,null,0]
[]
[null,"NLCAT",null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(E42:E45),CorrCAT_10),E42:E45))","v":0}]
[]
[]
[]
[]
[]
[null,"Standard Deviation                                           *",null,null,null,null,"       NPs        *",null,"   σ(prem,s)   *",null,"NPs x σ(prem,s)",null,"     σ(res,s)     *"]
[]
[null," 1  - Motor Vehicle Liability & Prop. Reins.",null,null,null,null,0.8,null,0.1,null,{"$f":"G55*I55","v":8.0000000000000016E-2},null,0.09,null,null,null,null,{"$f":"IF(OR(G55=\"\",'Premium and Reserve Risk'!AA7=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 2  - Other Motor & Prop. Reins.",null,null,null,null,1,null,0.08,null,0.08,null,0.08,null,null,null,null,{"$f":"IF(OR(G56=\"\",'Premium and Reserve Risk'!AA8=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 3  - Marine, Aviation & Transport (MAT) & Prop. Reins.",null,null,null,null,1,null,0.15,null,0.15,null,0.11,null,null,null,null,{"$f":"IF(OR(G57=\"\",'Premium and Reserve Risk'!AA9=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 4  - Fire & Other Damage to Property & Prop. Reins.",null,null,null,null,0.8,null,0.08,null,6.4000000000000001E-2,null,0.1,null,null,null,null,{"$f":"IF(OR(G58=\"\",'Premium and Reserve Risk'!AA10=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 5  - General Liability & Prop. Reins.",null,null,null,null,0.8,null,0.14000000000000001,null,0.11200000000000002,null,0.11,null,null,null,null,{"$f":"IF(OR(G59=\"\",'Premium and Reserve Risk'!AA11=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 6  - Credit & Suretyship & Prop. Reins.",null,null,null,null,1,null,0.12,null,0.12,null,0.19,null,null,null,null,{"$f":"IF(OR(G60=\"\",'Premium and Reserve Risk'!AA12=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 7  - Legal Expenses & Prop. Reins.",null,null,null,null,1,null,7.0000000000000007E-2,null,7.0000000000000007E-2,null,0.12,null,null,null,null,{"$f":"IF(OR(G61=\"\",'Premium and Reserve Risk'!AA13=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 8  - Assistance & Prop. Reins.",null,null,null,null,1,null,0.09,null,0.09,null,0.2,null,null,null,null,{"$f":"IF(OR(G62=\"\",'Premium and Reserve Risk'!AA14=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 9  - Miscellaneous Financial Loss & Prop. Reins.",null,null,null,null,1,null,0.13,null,0.13,null,0.2,null,null,null,null,{"$f":"IF(OR(G63=\"\",'Premium and Reserve Risk'!AA15=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null,"25 - Non-prop. reinsurance - Casualty",null,null,null,null,1,null,0.17,null,0.17,null,0.2,null,null,null,null,{"$f":"'Premium and Reserve Risk'!AA16","v":"ERROR"}]
[null,"26 - Non-prop. reinsurance - MAT",null,null,null,null,1,null,0.17,null,0.17,null,0.2,null,null,null,null,{"$f":"'Premium and Reserve Risk'!AA17","v":"ERROR"}]
[null,"27 - Non-prop. reinsurance - Property",null,null,null,null,1,null,0.17,null,0.17,null,0.2,null,null,null,null,{"$f":"'Premium and Reserve Risk'!AA18","v":"ERROR"}]
[]
[]
[]
[null,"Standard Deviation after aggregates                                          *",null,"*",null,null,null,null,null,null,"NPs x σ(prem,s)",null,"     σ(res,s)     *",null,"        σs         *"]
[]
[null," 1  - Motor Vehicle Liability & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O7<>0,(SUMPRODUCT(Agg_P_1,Agg_sP_1)+('Premium and Reserve Risk'!O7-SUM(Agg_P_1))*'Non-Life Underwriting Risk'!K55)/'Premium and Reserve Risk'!O7,'Non-Life Underwriting Risk'!K55)","v":8.0000000000000016E-2},null,{"$f":"IF('Premium and Reserve Risk'!Q7<>0,(SUMPRODUCT(Agg_R_1,Agg_sR_1)+('Premium and Reserve Risk'!Q7-SUM(Agg_R_1))*'Non-Life Underwriting Risk'!M55)/'Premium and Reserve Risk'!Q7,'Non-Life Underwriting Risk'!M55)","v":0.09},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O7:Q7)<>0,SQRT((K72*'Premium and Reserve Risk'!O7)^2+0.5*(K72*'Premium and Reserve Risk'!O7*M72*'Premium and Reserve Risk'!Q7)+(M72*'Premium and Reserve Risk'!Q7)^2)/('Premium and Reserve Risk'!O7+'Premium and Reserve Risk'!Q7),0)","v":0}]
[null," 2  - Other Motor & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O8<>0,(SUMPRODUCT(Agg_P_2,Agg_sP_2)+('Premium and Reserve Risk'!O8-SUM(Agg_P_2))*'Non-Life Underwriting Risk'!K56)/'Premium and Reserve Risk'!O8,'Non-Life Underwriting Risk'!K56)","v":0.08},null,{"$f":"IF('Premium and Reserve Risk'!Q8<>0,(SUMPRODUCT(Agg_R_2,Agg_sR_2)+('Premium and Reserve Risk'!Q8-SUM(Agg_R_2))*'Non-Life Underwriting Risk'!M56)/'Premium and Reserve Risk'!Q8,'Non-Life Underwriting Risk'!M56)","v":0.08},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O8:Q8)<>0,SQRT((K73*'Premium and Reserve Risk'!O8)^2+0.5*(K73*'Premium and Reserve Risk'!O8*M73*'Premium and Reserve Risk'!Q8)+(M73*'Premium and Reserve Risk'!Q8)^2)/('Premium and Reserve Risk'!O8+'Premium and Reserve Risk'!Q8),0)","v":0}]
[null," 3  - Marine, Aviation & Transport (MAT) & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O9<>0,(SUMPRODUCT(Agg_P_3,Agg_sP_3)+('Premium and Reserve Risk'!O9-SUM(Agg_P_3))*'Non-Life Underwriting Risk'!K57)/'Premium and Reserve Risk'!O9,'Non-Life Underwriting Risk'!K57)","v":0.15},null,{"$f":"IF('Premium and Reserve Risk'!Q9<>0,(SUMPRODUCT(Agg_R_3,Agg_sR_3)+('Premium and Reserve Risk'!Q9-SUM(Agg_R_3))*'Non-Life Underwriting Risk'!M57)/'Premium and Reserve Risk'!Q9,'Non-Life Underwriting Risk'!M57)","v":0.11},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O9:Q9)<>0,SQRT((K74*'Premium and Reserve Risk'!O9)^2+0.5*(K74*'Premium and Reserve Risk'!O9*M74*'Premium and Reserve Risk'!Q9)+(M74*'Premium and Reserve Risk'!Q9)^2)/('Premium and Reserve Risk'!O9+'Premium and Reserve Risk'!Q9),0)","v":0}]
[null," 4  - Fire & Other Damage to Property & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O10<>0,(SUMPRODUCT(Agg_P_4,Agg_sP_4)+('Premium and Reserve Risk'!O10-SUM(Agg_P_4))*'Non-Life Underwriting Risk'!K58)/'Premium and Reserve Risk'!O10,'Non-Life Underwriting Risk'!K58)","v":6.4000000000000001E-2},null,{"$f":"IF('Premium and Reserve Risk'!Q10<>0,(SUMPRODUCT(Agg_R_4,Agg_sR_4)+('Premium and Reserve Risk'!Q10-SUM(Agg_R_4))*'Non-Life Underwriting Risk'!M58)/'Premium and Reserve Risk'!Q10,'Non-Life Underwriting Risk'!M58)","v":0.1},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O10:Q10)<>0,SQRT((K75*'Premium and Reserve Risk'!O10)^2+0.5*(K75*'Premium and Reserve Risk'!O10*M75*'Premium and Reserve Risk'!Q10)+(M75*'Premium and Reserve Risk'!Q10)^2)/('Premium and Reserve Risk'!O10+'Premium and Reserve Risk'!Q10),0)","v":0}]
[null," 5  - General Liability & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O11<>0,(SUMPRODUCT(Agg_P_5,Agg_sP_5)+('Premium and Reserve Risk'!O11-SUM(Agg_P_5))*'Non-Life Underwriting Risk'!K59)/'Premium and Reserve Risk'!O11,'Non-Life Underwriting Risk'!K59)","v":0.11200000000000002},null,{"$f":"IF('Premium and Reserve Risk'!Q11<>0,(SUMPRODUCT(Agg_R_5,Agg_sR_5)+('Premium and Reserve Risk'!Q11-SUM(Agg_R_5))*'Non-Life Underwriting Risk'!M59)/'Premium and Reserve Risk'!Q11,'Non-Life Underwriting Risk'!M59)","v":0.11},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O11:Q11)<>0,SQRT((K76*'Premium and Reserve Risk'!O11)^2+0.5*(K76*'Premium and Reserve Risk'!O11*M76*'Premium and Reserve Risk'!Q11)+(M76*'Premium and Reserve Risk'!Q11)^2)/('Premium and Reserve Risk'!O11+'Premium and Reserve Risk'!Q11),0)","v":0}]
[null," 6  - Credit & Suretyship & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O12<>0,(SUMPRODUCT(Agg_P_6,Agg_sP_6)+('Premium and Reserve Risk'!O12-SUM(Agg_P_6))*'Non-Life Underwriting Risk'!K60)/'Premium and Reserve Risk'!O12,'Non-Life Underwriting Risk'!K60)","v":0.12},null,{"$f":"IF('Premium and Reserve Risk'!Q12<>0,(SUMPRODUCT(Agg_R_6,Agg_sR_6)+('Premium and Reserve Risk'!Q12-SUM(Agg_R_6))*'Non-Life Underwriting Risk'!M60)/'Premium and Reserve Risk'!Q12,'Non-Life Underwriting Risk'!M60)","v":0.19},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O12:Q12)<>0,SQRT((K77*'Premium and Reserve Risk'!O12)^2+0.5*(K77*'Premium and Reserve Risk'!O12*M77*'Premium and Reserve Risk'!Q12)+(M77*'Premium and Reserve Risk'!Q12)^2)/('Premium and Reserve Risk'!O12+'Premium and Reserve Risk'!Q12),0)","v":0}]
[null," 7  - Legal Expenses & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O13<>0,(SUMPRODUCT(Agg_P_7,Agg_sP_7)+('Premium and Reserve Risk'!O13-SUM(Agg_P_7))*'Non-Life Underwriting Risk'!K61)/'Premium and Reserve Risk'!O13,'Non-Life Underwriting Risk'!K61)","v":7.0000000000000007E-2},null,{"$f":"IF('Premium and Reserve Risk'!Q13<>0,(SUMPRODUCT(Agg_R_7,Agg_sR_7)+('Premium and Reserve Risk'!Q13-SUM(Agg_R_7))*'Non-Life Underwriting Risk'!M61)/'Premium and Reserve Risk'!Q13,'Non-Life Underwriting Risk'!M61)","v":0.12},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O13:Q13)<>0,SQRT((K78*'Premium and Reserve Risk'!O13)^2+0.5*(K78*'Premium and Reserve Risk'!O13*M78*'Premium and Reserve Risk'!Q13)+(M78*'Premium and Reserve Risk'!Q13)^2)/('Premium and Reserve Risk'!O13+'Premium and Reserve Risk'!Q13),0)","v":0}]
[null," 8  - Assistance & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O14<>0,(SUMPRODUCT(Agg_P_8,Agg_sP_8)+('Premium and Reserve Risk'!O14-SUM(Agg_P_8))*'Non-Life Underwriting Risk'!K62)/'Premium and Reserve Risk'!O14,'Non-Life Underwriting Risk'!K62)","v":0.09},null,{"$f":"IF('Premium and Reserve Risk'!Q14<>0,(SUMPRODUCT(Agg_R_8,Agg_sR_8)+('Premium and Reserve Risk'!Q14-SUM(Agg_R_8))*'Non-Life Underwriting Risk'!M62)/'Premium and Reserve Risk'!Q14,'Non-Life Underwriting Risk'!M62)","v":0.2},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O14:Q14)<>0,SQRT((K79*'Premium and Reserve Risk'!O14)^2+0.5*(K79*'Premium and Reserve Risk'!O14*M79*'Premium and Reserve Risk'!Q14)+(M79*'Premium and Reserve Risk'!Q14)^2)/('Premium and Reserve Risk'!O14+'Premium and Reserve Risk'!Q14),0)","v":0}]
[null," 9  - Miscellaneous Financial Loss & Prop. Reins.",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O15<>0,(SUMPRODUCT(Agg_P_9,Agg_sP_9)+('Premium and Reserve Risk'!O15-SUM(Agg_P_9))*'Non-Life Underwriting Risk'!K63)/'Premium and Reserve Risk'!O15,'Non-Life Underwriting Risk'!K63)","v":0.13},null,{"$f":"IF('Premium and Reserve Risk'!Q15<>0,(SUMPRODUCT(Agg_R_9,Agg_sR_9)+('Premium and Reserve Risk'!Q15-SUM(Agg_R_9))*'Non-Life Underwriting Risk'!M63)/'Premium and Reserve Risk'!Q15,'Non-Life Underwriting Risk'!M63)","v":0.2},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O15:Q15)<>0,SQRT((K80*'Premium and Reserve Risk'!O15)^2+0.5*(K80*'Premium and Reserve Risk'!O15*M80*'Premium and Reserve Risk'!Q15)+(M80*'Premium and Reserve Risk'!Q15)^2)/('Premium and Reserve Risk'!O15+'Premium and Reserve Risk'!Q15),0)","v":0}]
[null,"25 - Non-prop. reinsurance - Casualty",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O16<>0,(SUMPRODUCT(Agg_P_19,Agg_sP_19)+('Premium and Reserve Risk'!O16-SUM(Agg_P_19))*'Non-Life Underwriting Risk'!K64)/'Premium and Reserve Risk'!O16,'Non-Life Underwriting Risk'!K64)","v":0.17},null,{"$f":"IF('Premium and Reserve Risk'!Q16<>0,(SUMPRODUCT(Agg_R_19,Agg_sR_19)+('Premium and Reserve Risk'!Q16-SUM(Agg_R_19))*'Non-Life Underwriting Risk'!M64)/'Premium and Reserve Risk'!Q16,'Non-Life Underwriting Risk'!M64)","v":0.2},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O16:Q16)<>0,SQRT((K81*'Premium and Reserve Risk'!O16)^2+0.5*(K81*'Premium and Reserve Risk'!O16*M81*'Premium and Reserve Risk'!Q16)+(M81*'Premium and Reserve Risk'!Q16)^2)/('Premium and Reserve Risk'!O16+'Premium and Reserve Risk'!Q16),0)","v":0}]
[null,"26 - Non-prop. reinsurance - MAT",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O17<>0,(SUMPRODUCT(Agg_P_20,Agg_sP_20)+('Premium and Reserve Risk'!O17-SUM(Agg_P_20))*'Non-Life Underwriting Risk'!K65)/'Premium and Reserve Risk'!O17,'Non-Life Underwriting Risk'!K65)","v":0.17},null,{"$f":"IF('Premium and Reserve Risk'!Q17<>0,(SUMPRODUCT(Agg_R_20,Agg_sR_20)+('Premium and Reserve Risk'!Q17-SUM(Agg_R_20))*'Non-Life Underwriting Risk'!M65)/'Premium and Reserve Risk'!Q17,'Non-Life Underwriting Risk'!M65)","v":0.2},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O17:Q17)<>0,SQRT((K82*'Premium and Reserve Risk'!O17)^2+0.5*(K82*'Premium and Reserve Risk'!O17*M82*'Premium and Reserve Risk'!Q17)+(M82*'Premium and Reserve Risk'!Q17)^2)/('Premium and Reserve Risk'!O17+'Premium and Reserve Risk'!Q17),0)","v":0}]
[null,"27 - Non-prop. reinsurance - Property",null,null,null,null,null,null,null,null,{"$f":"IF('Premium and Reserve Risk'!O18<>0,(SUMPRODUCT(Agg_P_21,Agg_sP_21)+('Premium and Reserve Risk'!O18-SUM(Agg_P_21))*'Non-Life Underwriting Risk'!K66)/'Premium and Reserve Risk'!O18,'Non-Life Underwriting Risk'!K66)","v":0.17},null,{"$f":"IF('Premium and Reserve Risk'!Q18<>0,(SUMPRODUCT(Agg_R_21,Agg_sR_21)+('Premium and Reserve Risk'!Q18-SUM(Agg_R_21))*'Non-Life Underwriting Risk'!M66)/'Premium and Reserve Risk'!Q18,'Non-Life Underwriting Risk'!M66)","v":0.2},null,{"$f":"IF(SUM('Premium and Reserve Risk'!O18:Q18)<>0,SQRT((K83*'Premium and Reserve Risk'!O18)^2+0.5*(K83*'Premium and Reserve Risk'!O18*M83*'Premium and Reserve Risk'!Q18)+(M83*'Premium and Reserve Risk'!Q18)^2)/('Premium and Reserve Risk'!O18+'Premium and Reserve Risk'!Q18),0)","v":0}]
[]
[]
[]
[null,"Overall",null,null,null,null,"Vs x σs"]
[]
[null," 1  - Motor Vehicle Liability & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U7*O72","v":0}]
[null," 2  - Other Motor & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U8*O73","v":0}]
[null," 3  - Marine, Aviation & Transport (MAT) & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U9*O74","v":0}]
[null," 4  - Fire & Other Damage to Property & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U10*O75","v":0}]
[null," 5  - General Liability & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U11*O76","v":0}]
[null," 6  - Credit & Suretyship & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U12*O77","v":0}]
[null," 7  - Legal Expenses & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U13*O78","v":0}]
[null," 8  - Assistance & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U14*O79","v":0}]
[null," 9  - Miscellaneous Financial Loss & Prop. Reins.",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U15*O80","v":0}]
[null,"25 - Non-prop. reinsurance - Casualty",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U16*O81","v":0}]
[null,"26 - Non-prop. reinsurance - MAT",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U17*O82","v":0}]
[null,"27 - Non-prop. reinsurance - Property",null,null,null,null,{"$f":"'Premium and Reserve Risk'!U18*O83","v":0}]
[]
[null,"Result"]
[]
[null,"Vnl",null,null,null,null,{"$f":"SUM('Premium and Reserve Risk'!$U$7:$U$18)","v":0}]
[null,"σnl",null,null,null,null,{"$f":"IF($G$104=0,0,SQRT(MMULT(MMULT(TRANSPOSE($G$89:$G$100),CorrPR_10),$G$89:$G$100))/$G$104)","v":0}]

{"sheet":"Non-SLT Health Risk","index":19,"n_rows":80,"n_cols":17,"rows_kept":80,"cut":false,"hidden":false,"merged":[]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"Non-SLT Health Risk"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[null,"Non-SLT Health Underwriting Risk",null,null,"1 in 10"]
[]
[null,"Healthpr","*",null,{"$f":"NL_Health_PR_10","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Q29","v":"ERROR"}]
[null,"Healthlapse","*",null,{"$f":"NL_Lapse_10_Health","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$Q$36,0)),\"OK\",\"ERROR\")","v":"OK"}]
[null,null,null,null,0]
[]
[null,"Capital Requirement (before div. effects)",null,null,{"$f":"SUM(E7:E9)","v":0}]
[]
[null,"Diversification",null,null,{"$f":"E15-E11","v":0}]
[]
[null,"SCRhealth","*",null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(E7:E9),HealthCorr_10),E7:E9))","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$Q$7:$Q$9,0)),\"OK\",\"ERROR\")","v":"ERROR"}]
[]
[null,"SCRhealth_stop_loss"]
[]
[null,"SCRhealth_capped",null,null,{"$f":"IF(E17<>0,MIN(E17,SCR_Health_10),SCR_Health_10)","v":0}]
[]
[]
[]
[null,"Premium and Reserve Risk",null,null,"1 in 10"]
[]
[null,"Vnl",null,null,{"$f":"'Non-SLT Health Risk'!E79","v":0}]
[null,"σnl",null,null,{"$f":"'Non-SLT Health Risk'!E80","v":0}]
[null,"θ",null,null,1.3]
[]
[null,"Healthpr",null,null,{"$f":"E$25*E$26*E$27","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",'Premium and Reserve Risk'!$AA:$AA,0)),IF(NL_PR_10=0,\"ZERO\",\"OK\"),\"ERROR\")","v":"ERROR"}]
[]
[]
[]
[null,"Non SLT Health Lapse Risk",null,null,"1 in 10"]
[]
[]
[null,"Healthlapse",null,null,{"$f":"LAPSE_UP_10_HEALTH","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF((Q34=\"ERROR\"),\"ERROR\",IF(NL_Lapse_10=0,\"ZERO\",\"OK\"))","v":"ZERO"}]
[]
[]
[]
[null,"Non-Life Health Catastrophe Risk",null,null,"1 in 10"]
[]
[null,"Healthmassaccident",null,null,0]
[null,"Healthconcentration",null,null,0]
[null,"Healthpandemic",null,null,0]
[]
[null,"NLhealthCAT",null,null,{"$f":"SQRT(SUMSQ(E42:E44))","v":0}]
[]
[]
[]
[]
[]
[null,"Standard Deviation                                           *",null,null,"       NPs        *",null,null,"   σ(prem,s)   *",null,"NPs x σ(prem,s)",null,"     σ(res,s)     *"]
[]
[null," 10  - Medical expense & Prop. Reins.",null,null,1,null,null,0.05,null,{"$f":"E54*H54","v":0.05},null,0.05,null,null,null,null,{"$f":"IF(OR(E54=\"\",'Health_Prem & Reserve Risk'!AA7=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 11  - Income Protection & Prop. Reins.",null,null,1,null,null,8.5000000000000006E-2,null,{"$f":"E55*H55","v":8.5000000000000006E-2},null,0.14000000000000001,null,null,null,null,{"$f":"IF(OR(E55=\"\",'Health_Prem & Reserve Risk'!AA8=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 12  - Workers' compensation & Prop. Reins.",null,null,1,null,null,0.08,null,{"$f":"E56*H56","v":0.08},null,0.11,null,null,null,null,{"$f":"IF(OR(E56=\"\",'Health_Prem & Reserve Risk'!AA9=\"ERROR\"),\"ERROR\",\"OK\")","v":"ERROR"}]
[null," 28 - Non-prop. reinsurance - Health",null,null,1,null,null,0.17,null,{"$f":"E57*H57","v":0.17},null,0.2,null,null,null,null,{"$f":"'Health_Prem & Reserve Risk'!AA10","v":"ERROR"}]
[]
[]
[]
[null,"Standard Deviation after aggregates              *",null,null,null,null,null,null,null,"NPs x σ(prem,s)",null,"     σ(res,s)    ",null,"        σs         *"]
[]
[null," 10  - Medical expense & Prop. Reins.",null,null,null,null,null,null,null,{"$f":"IF('Health_Prem & Reserve Risk'!O7<>0,(SUMPRODUCT(Agg_PH_1,Agg_SPH_1)+('Health_Prem & Reserve Risk'!O7-SUM(Agg_PH_1))*'Non-SLT Health Risk'!J54)/'Health_Prem & Reserve Risk'!O7,'Non-SLT Health Risk'!J54)","v":0.05},null,{"$f":"IF('Health_Prem & Reserve Risk'!Q7<>0,(SUMPRODUCT(Agg_RH_1,Agg_SRH_1)+('Health_Prem & Reserve Risk'!Q7-SUM(Agg_RH_1))*'Non-SLT Health Risk'!L54)/'Health_Prem & Reserve Risk'!Q7,'Non-SLT Health Risk'!L54)","v":0.05},null,{"$f":"IF(SUM('Health_Prem & Reserve Risk'!O7:Q7)<>0,SQRT((J63*'Health_Prem & Reserve Risk'!O7)^2+0.5*(J63*'Health_Prem & Reserve Risk'!O7*L63*'Health_Prem & Reserve Risk'!Q7)+(L63*'Health_Prem & Reserve Risk'!Q7)^2)/('Health_Prem & Reserve Risk'!O7+'Health_Prem & Reserve Risk'!Q7),0)","v":0}]
[null," 11  - Income Protection & Prop. Reins.",null,null,null,null,null,null,null,{"$f":"IF('Health_Prem & Reserve Risk'!O8<>0,(SUMPRODUCT(Agg_PH_2,Agg_SPH_2)+('Health_Prem & Reserve Risk'!O8-SUM(Agg_PH_2))*'Non-SLT Health Risk'!J55)/'Health_Prem & Reserve Risk'!O8,'Non-SLT Health Risk'!J55)","v":8.5000000000000006E-2},null,{"$f":"IF('Health_Prem & Reserve Risk'!Q8<>0,(SUMPRODUCT(Agg_RH_2,Agg_SRH_2)+('Health_Prem & Reserve Risk'!Q8-SUM(Agg_RH_2))*'Non-SLT Health Risk'!L55)/'Health_Prem & Reserve Risk'!Q8,'Non-SLT Health Risk'!L55)","v":0.14000000000000001},null,{"$f":"IF(SUM('Health_Prem & Reserve Risk'!O8:Q8)<>0,SQRT((J64*'Health_Prem & Reserve Risk'!O8)^2+0.5*(J64*'Health_Prem & Reserve Risk'!O8*L64*'Health_Prem & Reserve Risk'!Q8)+(L64*'Health_Prem & Reserve Risk'!Q8)^2)/('Health_Prem & Reserve Risk'!O8+'Health_Prem & Reserve Risk'!Q8),0)","v":0}]
[null," 12  - Workers' compensation & Prop. Reins.",null,null,null,null,null,null,null,{"$f":"IF('Health_Prem & Reserve Risk'!O9<>0,(SUMPRODUCT(Agg_PH_3,Agg_SPH_3)+('Health_Prem & Reserve Risk'!O9-SUM(Agg_PH_3))*'Non-SLT Health Risk'!J56)/'Health_Prem & Reserve Risk'!O9,'Non-SLT Health Risk'!J56)","v":0.08},null,{"$f":"IF('Health_Prem & Reserve Risk'!Q9<>0,(SUMPRODUCT(Agg_RH_3,Agg_SRH_3)+('Health_Prem & Reserve Risk'!Q9-SUM(Agg_RH_3))*'Non-SLT Health Risk'!L56)/'Health_Prem & Reserve Risk'!Q9,'Non-SLT Health Risk'!L56)","v":0.11},null,{"$f":"IF(SUM('Health_Prem & Reserve Risk'!O9:Q9)<>0,SQRT((J65*'Health_Prem & Reserve Risk'!O9)^2+0.5*(J65*'Health_Prem & Reserve Risk'!O9*L65*'Health_Prem & Reserve Risk'!Q9)+(L65*'Health_Prem & Reserve Risk'!Q9)^2)/('Health_Prem & Reserve Risk'!O9+'Health_Prem & Reserve Risk'!Q9),0)","v":0}]
[null," 28 - Non-prop. reinsurance - Health",null,null,null,null,null,null,null,{"$f":"IF('Health_Prem & Reserve Risk'!O10<>0,(SUMPRODUCT(Agg_PH_4,Agg_SPH_4)+('Health_Prem & Reserve Risk'!O10-SUM(Agg_PH_4))*'Non-SLT Health Risk'!J57)/'Health_Prem & Reserve Risk'!O10,'Non-SLT Health Risk'!J57)","v":0.17},null,{"$f":"IF('Health_Prem & Reserve Risk'!Q10<>0,(SUMPRODUCT(Agg_RH_4,Agg_SRH_4)+('Health_Prem & Reserve Risk'!Q10-SUM(Agg_RH_4))*'Non-SLT Health Risk'!L57)/'Health_Prem & Reserve Risk'!Q10,'Non-SLT Health Risk'!L57)","v":0.2},null,{"$f":"IF(SUM('Health_Prem & Reserve Risk'!O10:Q10)<>0,SQRT((J66*'Health_Prem & Reserve Risk'!O10)^2+0.5*(J66*'Health_Prem & Reserve Risk'!O10*L66*'Health_Prem & Reserve Risk'!Q10)+(L66*'Health_Prem & Reserve Risk'!Q10)^2)/('Health_Prem & Reserve Risk'!O10+'Health_Prem & Reserve Risk'!Q10),0)","v":0}]
[]
[]
[]
[null,"Overall",null,null,"Vs x σs"]
[]
[null," 10  - Medical expense & Prop. Reins.",null,null,{"$f":"'Health_Prem & Reserve Risk'!U7*N63","v":0}]
[null," 11  - Income Protection & Prop. Reins.",null,null,{"$f":"'Health_Prem & Reserve Risk'!U8*N64","v":0}]
[null," 12  - Workers' compensation & Prop. Reins.",null,null,{"$f":"'Health_Prem & Reserve Risk'!U9*N65","v":0}]
[null," 28 - Non-prop. reinsurance - Health",null,null,{"$f":"'Health_Prem & Reserve Risk'!U10*N66","v":0}]
[]
[null,"Result"]
[]
[null,"VNonSLTHealth",null,null,{"$f":"SUM('Health_Prem & Reserve Risk'!$U$7:$U$10)","v":0}]
[null,"σNonSLTHealth",null,null,{"$f":"IF($E$79=0,0,SQRT(MMULT(MMULT(TRANSPOSE($E$72:$E$75),CorrPR_Health_10),$E$72:$E$75))/$E$79)","v":0}]

{"sheet":"SCR Summary","index":20,"n_rows":43,"n_cols":7,"rows_kept":43,"cut":false,"hidden":false,"merged":[]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"SCR Summary"},null,null,null,null,null,{"$f":"Insurer_Shortname","v":0}]
[{"$f":"Insurer_Name & \" (\" & Insurer_Shortname & \")\"","v":" ()"},null,null,null,null,null,{"$f":"QIS_YE_Date","v":"2017-12-31"}]
[]
[]
[null,"Solvency Capital Requirement",null,"1 in 10"]
[]
[null,"SCRmarket",null,{"$f":"SCR_Market_10","v":0},null,null,{"$f":"'Market Risk'!S18","v":"ERROR"}]
[null,"SCRdefault",null,{"$f":"SCR_Default_10","v":0},null,null,{"$f":"'Counterparty Default Risk'!$K$11","v":"ERROR"}]
[null,"SCRhealth",null,{"$f":"SCR_Health_10_capped","v":0},null,null,{"$f":"'Non-Life Underwriting Risk'!$R$19","v":"OK"}]
[null,"SCRnon-life",null,{"$f":"SCR_Non_Life_10_capped","v":0},null,null,{"$f":"'Non-Life Underwriting Risk'!$R$19","v":"OK"}]
[null,"SCRintangibles","*",{"$f":"0.4*'EBS - Assets'!$F$10","v":0},null,null,{"$f":"'EBS - Assets'!$K$13","v":"ERROR"}]
[]
[null,"BSCR (before diversification effects)",null,{"$f":"SUM(D7:D11)","v":0}]
[]
[null,"Diversification","*",{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(D7:D10),Corr_10),D7:D10))-SUM(D7:D10)","v":0}]
[]
[null,"BSCR",null,{"$f":"SUM(D13,D15)","v":0}]
[]
[null,"SCRop",null,0]
[]
[null,"Regulatory Adjustment"]
[]
[null,"SCR","*",{"$f":"SUM(BSCR_10,SCR_Op_10,Adj_Reg_10)","v":0},null,null,{"$f":"IF(ISERROR(MATCH(\"ERROR\",$G$7:$G$11,0)),\"OK\",\"ERROR\")","v":"ERROR"}]
[]
[]
[]
[null,"Capital Resources",null,"1 in 10"]
[]
[null,"Tier 1 Capital",null,{"$f":"EOF_Tier_1_10","v":0}]
[null,"Tier 2 Capital",null,{"$f":"EOF_Tier_2_10","v":0}]
[null,"Tier 3 Capital",null,{"$f":"EOF_Tier_3_10","v":0}]
[]
[null,"Tier 1 Regulatory Adjustment"]
[null,"Tier 2 Regulatory Adjustment"]
[null,"Tier 3 Regulatory Adjustment"]
[]
[null,"Regulatory capital resources to meet SCR",null,{"$f":"SUM(D29:D31,D33:D35)","v":0}]
[]
[null,"SCR Ratio",null,{"$f":"Cap_Res_10/SCR_10","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF(ISERROR(D39),\"ERROR\",\"OK\")","v":"ERROR"}]
[]
[]
[]
[null,null,null,{"$f":"IF(SCR_10=0,\"\",IF(Cap_Res_10<SCR_10,\"1 in 10 - Capital insufficient to cover SCR\",IF(MIN(SCR_10,SUM(Tier_1_Cap_10,Tier_1_Adj_10))<0.5*SCR_10,\"1 in 10 - Proportion of Tier 1 Capital Insufficient\",IF(MIN(SCR_10-MIN(SCR_10,SUM(Tier_1_Cap_10,Tier_1_Adj_10))-MIN(SCR_10-MIN(SCR_10,SUM(Tier_1_Cap_10,Tier_1_Adj_10)),SUM(Tier_2_Cap_10,Tier_2_Adj_10)),SUM(Tier_3_Cap_10,Tier_3_Adj_10))>0.15*SCR_10,\"1 in 10 - Proportion of Tier 3 Capital too great\",\"1 in 10 - Capital OK\"))))","v":""}]

{"sheet":"Data","index":21,"n_rows":282,"n_cols":17,"rows_kept":282,"cut":false,"hidden":false,"merged":[[136,13,137,13],[144,1,144,2],[144,3,144,9],[144,13,145,13],[94,1,94,2],[95,1,95,2],[96,1,96,2],[136,1,136,2],[136,3,136,9]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"Data"}]
[]
[]
[null,"Currency","Currency Code"]
[null,"United Kingdom Pound","GBP"]
[null,"United States Dollar","USD"]
[null,"Euro","EUR"]
[null,"Sweden Krona","SEK"]
[null,"Afghanistan Afghani","AFN"]
[null,"Albania Lek","ALL"]
[null,"Algeria Dinar","DZD"]
[null,"Argentina Peso","ARS"]
[null,"Australia Dollar","AUD"]
[null,"Bahamas Dollar","BSD"]
[null,"Bahrain Dinar","BHD"]
[null,"Bangladesh Taka","BDT"]
[null,"Barbados Dollar","BBD"]
[null,"Bermuda Dollar","BMD"]
[null,"Brazil Real","BRL"]
[null,"Bulgaria Lev","BGN"]
[null,"Canada Dollar","CAD"]
[null,"Chile Peso","CLP"]
[null,"China Yuan Renminbi","CNY"]
[null,"Colombia Peso","COP"]
[null,"Costa Rica Colon","CRC"]
[null,"Croatia Kuna","HRK"]
[null,"Czech Republic Koruna","CZK"]
[null,"Denmark Krone","DKK"]
[null,"Dominican Republic Peso","DOP"]
[null,"Egypt Pound","EGP"]
[null,"Fiji Dollar","FJD"]
[null,"Hong Kong Dollar","HKD"]
[null,"Hungary Forint","HUF"]
[null,"Iceland Krona","ISK"]
[null,"India Rupee","INR"]
[null,"Indonesia Rupiah","IDR"]
[null,"Iran Rial","IRR"]
[null,"Iraq Dinar","IQD"]
[null,"Israel Shekel","ILS"]
[null,"Jamaica Dollar","JMD"]
[null,"Japan Yen","JPY"]
[null,"Jordan Dinar","JOD"]
[null,"Kenya Shilling","KES"]
[null,"Kuwait Dinar","KWD"]
[null,"Lebanon Pounds","LBP"]
[null,"Lituania Lita","LTL"]
[null,"Malaysia Ringgit","MYR"]
[null,"Mauritius Rupee","MUR"]
[null,"Mexico Peso","MXN"]
[null,"Morocco Dirham","MAD"]
[null,"New Zealand Dollar","NZD"]
[null,"Norway Krone","NOK"]
[null,"Oman Rial","OMR"]
[null,"Pakistan Rupee","PKR"]
[null,"Peru Nuevo Sol","PEN"]
[null,"Philippines Peso","PHP"]
[null,"Poland Zloty","PLN"]
[null,"Qatar Riyal","QAR"]
[null,"Romania New Leu","RON"]
[null,"Russia Ruble","RUB"]
[null,"Saudi Arabia Riyal","SAR"]
[null,"Singapore Dollar","SGD"]
[null,"South Africa Rand","ZAR"]
[null,"South Korea Won","KRW"]
[null,"Sri Lanka Rupee","LKR"]
[null,"Sudan Pound","SDG"]
[null,"Switzerland Franc","CHF"]
[null,"Taiwan New Dollar","TWD"]
[null,"Thailand Baht","THB"]
[null,"Trinidad and Tobago Dollar","TTD"]
[null,"Tunisia Dinar","TND"]
[null,"Turkey Lira","TRY"]
[null,"United Arab Emirates Dirham","AED"]
[null,"Venezuela Bolivares Fuertes","VEF"]
[null,"Vietnam Dong","VND"]
[null,"Zambia Kwacha","ZMK"]
[]
[]
[]
[null,"Corr (200)                                                  *","Market","Default","Health","Non-Life",null,null,null,"Corr (10)  *","Market","Default","Health","Non-Life"]
[null,"Market",1,0.25,0.25,0.25,null,null,null,"Market",1,0,0,0]
[null,"Default",0.25,1,0.25,0.5,null,null,null,"Default",0,1,0,0.25]
[null,"Health",0.25,0.25,1,0,null,null,null,"Health",0,0,1,0]
[null,"Non-Life",0.25,0.5,0,1,null,null,null,"Non-Life",0,0.25,0,1]
[]
[]
[null,"MarketCorr (200)                          *","Interest","Equity","Property","Currency","Spread","Concentration",null,"MarketCorr (10) *","Interest","Equity","Property","Currency","Spread","Concentration"]
[null,"Interest",1,{"$f":"TRANSPOSE(C89:C$93)","v":0},0,0.25,0,0,null,"Interest",1,{"$f":"TRANSPOSE(K89:K$93)","v":0},0,0,0,0]
[null,"Equity",{"$f":"A_200","v":0},1,{"$f":"TRANSPOSE(D90:D$93)","v":0.75},0.25,0.75,0,null,"Equity",{"$f":"A_10","v":0},1,{"$f":"TRANSPOSE(L90:L$93)","v":0.5},0,0.5,0]
[null,"Property",{"$f":"A_200","v":0},0.75,1,{"$f":"TRANSPOSE(E91:E$93)","v":0.25},0.5,0,null,"Property",{"$f":"A_10","v":0},0.5,1,{"$f":"TRANSPOSE(M91:M$93)","v":0},0.25,0]
[null,"Currency",0.25,0.25,0.25,1,{"$f":"TRANSPOSE(F92:F$93)","v":0.25},0,null,"Currency",{"$f":"0","v":0},0,0,1,{"$f":"TRANSPOSE(N92:N$93)","v":0},0]
[null,"Spread",{"$f":"A_200","v":0},0.75,0.5,0.25,1,{"$f":"TRANSPOSE(G93:G$93)","v":0},null,"Spread",{"$f":"A_10","v":0},0.5,0.25,0,1,{"$f":"TRANSPOSE(O93:O$93)","v":0}]
[null,"Concentration",0,0,0,0,0,1,null,"Concentration",0,0,0,0,0,1]
[]
[null,"Selection of A_200 in MarketCorr                              *",null,"A_200",null,null,null,null,null,null,null,"A_10"]
[null,"Marketinterest = MarketinterestUp",null,0,null,null,null,null,null,null,null,0]
[null,"Marketinterest = MarketinterestDown",null,0.5,null,null,null,null,null,null,null,0.25]
[null,null,"Selected:",{"$f":"0","v":0},null,null,null,null,null,null,"Selected:",{"$f":"IF(Mkt_Interest_10=Mkt_Int_Up_10,$L$96,$L$97)","v":0}]
[]
[]
[null,"EqCorr  *","Type 1","Type 2",null,null,null,null,null,"EqCorr (10) *","Type 1","Type 2"]
[null,"Type 1",1,0.75,null,null,null,null,null,"Type 1",1,0.5]
[null,"Type 2",0.75,1,null,null,null,null,null,"Type 2",0.5,1]
[]
[]
[null,"CurrencyCorr                                  *",1,2,3,4,5,6,7,8,9,10,11,12,13,14,15]
[null,"CurrGroup1",1,{"$f":"TRANSPOSE(C108:C$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup2",0.5,1,{"$f":"TRANSPOSE(D109:D$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup3",0.5,0.5,1,{"$f":"TRANSPOSE(E110:E$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup4",0.5,0.5,0.5,1,{"$f":"TRANSPOSE(F111:F$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup5",0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(G112:G$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup6",0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(H113:H$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup7",0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(I114:I$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup8",0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(J115:J$121)","v":0.5},0.5,0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup9",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(K116:K$121)","v":0.5},0.5,0.5,0.5,0.5,0.5]
[null,"CurrGroup10",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(L117:L$121)","v":0.5},0.5,0.5,0.5,0.5]
[null,"CurrGroup11",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(M118:M$121)","v":0.5},0.5,0.5,0.5]
[null,"CurrGroup12",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(N119:N$121)","v":0.5},0.5,0.5]
[null,"CurrGroup13",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(O120:O$121)","v":0.5},0.5]
[null,"CurrGroup14",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,{"$f":"TRANSPOSE(P121:P$121)","v":0.5}]
[null,"CurrGroup15",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1]
[]
[]
[null,"Credit Quality (CQ) Step","S & P's / Fitch","Moody's","AM Best"]
[]
[null,0,"AAA","Aaa","A++"]
[null,1,"AA","Aa","A+"]
[null,2,"A","A","A"]
[null,3,"BBB","Baa","A-"]
[null,4,"BB","Ba","B++ to B"]
[null,5,"B","B","B- to C+"]
[null,6,"CCC or lower","Lower","C or lower"]
[]
[]
[]
[null,"1 in 10 Credit Spread Risk"]
[null,"Bonds - Base Factors",null,"Credit Quality Step",null,null,null,null,null,null,null,null,null,"MCR not met"]
[null,"Duration","Range",0,1,2,3,4,5,6,null,"Unrated"]
[null,"dur ≤ 5",0,0,0,0,0,0,0,0,null,0,null,0]
[null,"5 < dur ≤ 10",5,0,0,0,0,0,0,0,null,0,null,0]
[null,"10 < dur ≤ 15",10,0,0,0,0,0,0,0,null,0,null,0]
[null,"15 < dur ≤ 20",15,0,0,0,0,0,0,0,null,0,null,0]
[null,"20 < dur",20,0,0,0,0,0,0,0,null,0,null,0]
[]
[null,"Bonds - Factor Multiples",null,"Credit Quality Step",null,null,null,null,null,null,null,null,null,"MCR not met"]
[null,"Duration","Range",0,1,2,3,4,5,6,null,"Unrated"]
[null,"dur ≤ 5",0,4.0000000000000001E-3,5.0000000000000001E-3,7.0000000000000001E-3,1.2E-2,2.1999999999999999E-2,3.6999999999999998E-2,3.6999999999999998E-2,null,1.4999999999999999E-2,null,3.6999999999999998E-2]
[null,"5 < dur ≤ 10",5,4.0000000000000001E-3,5.0000000000000001E-3,7.0000000000000001E-3,1.2E-2,2.1999999999999999E-2,3.6999999999999998E-2,3.6999999999999998E-2,null,1.4999999999999999E-2,null,3.6999999999999998E-2]
[null,"10 < dur ≤ 15",10,4.0000000000000001E-3,5.0000000000000001E-3,7.0000000000000001E-3,1.2E-2,2.1999999999999999E-2,3.6999999999999998E-2,3.6999999999999998E-2,null,1.4999999999999999E-2,null,3.6999999999999998E-2]
[null,"15 < dur ≤ 20",15,4.0000000000000001E-3,5.0000000000000001E-3,7.0000000000000001E-3,1.2E-2,2.1999999999999999E-2,3.6999999999999998E-2,3.6999999999999998E-2,null,1.4999999999999999E-2,null,3.6999999999999998E-2]
[null,"20 < dur",20,4.0000000000000001E-3,5.0000000000000001E-3,7.0000000000000001E-3,1.2E-2,2.1999999999999999E-2,3.6999999999999998E-2,3.6999999999999998E-2,null,1.4999999999999999E-2,null,3.6999999999999998E-2]
[]
[]
[null,"DefaultCorr    (200)                              *","Type 1","Type 2",null,null,null,null,null,"DefaultCorr(10) *","Type 1","Type 2"]
[null,"Type 1",1,0.75,null,null,null,null,null,"Type 1",1,0.5]
[null,"Type 2",0.75,1,null,null,null,null,null,"Type 2",0.5,1]
[]
[]
[null,"NLCorr (200)                                   *","Premium","Lapse","Catastrophe",null,null,null,null,"HealthCorr (200)                                   *","Premium","Lapse","Catastrophe"]
[null,"Premium_Reserve",1,{"$f":"TRANSPOSE(C161:C$162)","v":0},0.25,null,null,null,null,"Premium_Reserve",1,{"$f":"TRANSPOSE(K161:K$162)","v":0},0.25]
[null,"Lapse",0,1,{"$f":"TRANSPOSE(D162:D$162)","v":0},null,null,null,null,"Lapse",0,1,{"$f":"TRANSPOSE(L162:L$162)","v":0.25}]
[null,"Catastrophe",0.25,0,1,null,null,null,null,"Catastrophe",0.25,0.25,1]
[]
[]
[null,"NLCorr (10)   *","Premium","Lapse","Catastrophe",null,null,null,null,"HealthCorr (10)  *","Premium","Lapse","Catastrophe"]
[null,"Premium_Reserve",1,0,0,null,null,null,null,"Premium_Reserve",1,0,0]
[null,"Lapse",0,1,0,null,null,null,null,"Lapse",0,1,0]
[null,"Catastrophe",0,0,1,null,null,null,null,"Catastrophe",0,0,1]
[]
[]
[]
[]
[null,"CorrPR (200)                                    *",1,2,3,4,5,6,7,8,9,10,11,12]
[null,"1. Motor Vehicle Liability",1,0.5,0.5,0.25,0.5,0.25,0.5,0.25,0.5,0.25,0.25,0.25]
[null,"2. Other Motor",0.5,1,0.25,0.25,0.25,0.25,0.5,0.5,0.5,0.25,0.25,0.25]
[null,"3. Marine, Aviation & Transport (MAT)",0.5,0.25,1,0.25,0.25,0.25,0.25,0.5,0.5,0.25,0.5,0.25]
[null,"4. Fire & Other Damage to Property",0.25,0.25,0.25,1,0.25,0.25,0.25,0.5,0.5,0.25,0.5,0.5]
[null,"5. General Liability",0.5,0.25,0.25,0.25,1,0.5,0.5,0.25,0.5,0.5,0.25,0.25]
[null,"6. Credit & Suretyship",0.25,0.25,0.25,0.25,0.5,1,0.5,0.25,0.5,0.5,0.25,0.25]
[null,"7. Legal Expenses",0.5,0.5,0.25,0.25,0.5,0.5,1,0.25,0.5,0.5,0.25,0.25]
[null,"8. Assistance",0.25,0.5,0.5,0.5,0.25,0.25,0.25,1,0.5,0.25,0.25,0.5]
[null,"9. Miscellaneous Financial Loss",0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,1,0.25,0.5,0.25]
[null,"10. NP reinsurance - Casualty",0.25,0.25,0.25,0.25,0.5,0.5,0.5,0.25,0.25,1,0.25,0.25]
[null,"11. NP reinsurance - MAT",0.25,0.25,0.5,0.5,0.25,0.25,0.25,0.25,0.5,0.25,1,0.25]
[null,"12. NP reinsurance - Property",0.25,0.25,0.25,0.5,0.25,0.25,0.25,0.5,0.25,0.25,0.25,1]
[]
[]
[null,"CorrPR (10)   *",1,2,3,4,5,6,7,8,9,10,11,12]
[null,"1. Motor Vehicle Liability",1,{"$f":"D174-0.25","v":0.25},{"$f":"E174-0.25","v":0.25},0,{"$f":"G174-0.25","v":0.25},0,{"$f":"I174-0.25","v":0.25},0,{"$f":"K174-0.25","v":0.25},0,0,{"$f":"N174-0.25","v":0}]
[null,"2. Other Motor",{"$f":"C175-0.25","v":0.25},1,0,0,{"$f":"G175-0.25","v":0},0,0.25,0.25,{"$f":"K175-0.25","v":0.25},0,0,0]
[null,"3. Marine, Aviation & Transport (MAT)",{"$f":"C176-0.25","v":0.25},0,1,0,{"$f":"G176-0.25","v":0},0,0,0.25,{"$f":"K176-0.25","v":0.25},0,0.25,0]
[null,"4. Fire & Other Damage to Property",0,0,{"$f":"E177-0.25","v":0},1,{"$f":"G177-0.25","v":0},0,0,0.25,{"$f":"K177-0.25","v":0.25},0,0.25,0.25]
[null,"5. General Liability",0.25,0,0,{"$f":"F178-0.25","v":0},1,{"$f":"H178-0.25","v":0.25},0.25,0,{"$f":"K178-0.25","v":0.25},0.25,0,0]
[null,"6. Credit & Suretyship",0,0,0,{"$f":"F179-0.25","v":0},0.25,1,{"$f":"I179-0.25","v":0.25},0,{"$f":"K179-0.25","v":0.25},0.25,0,0]
[null,"7. Legal Expenses",0.25,0.25,0,{"$f":"F180-0.25","v":0},0.25,0.25,1,0,{"$f":"K180-0.25","v":0.25},0.25,0,0]
[null,"8. Assistance",0,0.25,0.25,{"$f":"F181-0.25","v":0.25},0,0,0,1,{"$f":"K181-0.25","v":0.25},0,0,0.25]
[null,"9. Miscellaneous Financial Loss",0.25,0.25,0.25,{"$f":"F182-0.25","v":0.25},0.25,0.25,0.25,0.25,1,{"$f":"L182-0.25","v":0},0.25,0]
[null,"10. NP reinsurance - Casualty",0,0,0,{"$f":"F183-0.25","v":0},0.25,0.25,0.25,0,0,1,{"$f":"M183-0.25","v":0},0]
[null,"11. NP reinsurance - MAT",0,0,0.25,{"$f":"F184-0.25","v":0.25},0,0,0,0,0.25,0,1,{"$f":"N184-0.25","v":0}]
[null,"12. NP reinsurance - Property",0,0,0,{"$f":"F185-0.25","v":0.25},0,0,0,0.25,0,0,0,1]
[]
[]
[null,"CorrCAT (200)                                 *","Natural","NP Prop.","Man-Made","Other"]
[null,"Natural",1,{"$f":"TRANSPOSE(C205:C$207)","v":1},0,0]
[null,"NP Prop.",1,1,{"$f":"TRANSPOSE(D206:D$207)","v":0},0]
[null,"Man-Made",0,0,1,{"$f":"TRANSPOSE(E207:E$207)","v":0}]
[null,"Other",0,0,0,1]
[]
[]
[null,"CorrCAT (10)                                   *","Natural","NP Prop.","Man-Made","Other"]
[null,"Natural",1,{"$f":"TRANSPOSE(C$212:C214)","v":0.75},0,0]
[null,"NP Prop.",0.75,1,{"$f":"TRANSPOSE(D$213:D214)","v":0},0]
[null,"Man-Made",0,0,1,{"$f":"E214","v":0}]
[null,"Other",0,0,0,1]
[]
[]
[null,"CorrLiab (200)                                 *",1,2,3,4,5]
[null,"1. Professional Malpractice Liability",1,{"$f":"TRANSPOSE(C219:C$222)","v":0},0.5,0.25,0.5]
[null,"2. Employers Liability",0,1,{"$f":"TRANSPOSE(D220:D$222)","v":0},0.25,0.5]
[null,"3. Directors and Officers",0.5,0,1,{"$f":"TRANSPOSE(E221:E$222)","v":0.25},0.5]
[null,"4. Personal Liability",0.25,0.25,0.25,1,{"$f":"TRANSPOSE(F222:F$222)","v":0.5}]
[null,"5. Non-Proportional Reinsurance",0.5,0.5,0.5,0.5,1]
[]
[]
[null,"CorrLiab (10)                                  *",1,2,3,4,5]
[null,"1. Professional Malpractice Liability",1,0,0.25,0,0.25]
[null,"2. Employers Liability",0,1,0,0,0.25]
[null,"3. Directors and Officers",0.25,0,1,0,0.25]
[null,"4. Personal Liability",0,0,0,1,0.25]
[null,"5. Non-Proportional Reinsurance",0.25,0.25,0.25,0.25,1]
[]
[]
[null,"CorrOther (200)                              *",1,2,3,4,5]
[null,"1. Transport (other than marine/aviation)",1,{"$f":"TRANSPOSE(C235:C$238)","v":1},0,0,0]
[null,"2. NP Transport",1,1,{"$f":"TRANSPOSE(D236:D$238)","v":0},0,0]
[null,"3. Miscellaneous Financial Loss",0,0,1,{"$f":"TRANSPOSE(E237:E$238)","v":0},0]
[null,"4. NP Casualty",0,0,0,1,{"$f":"TRANSPOSE(F238:F$238)","v":0}]
[null,"5. NP Credit & Suretyship",0,0,0,0,1]
[]
[]
[null,"CorrOther (10)                                *",1,2,3,4,5]
[null,"1. Transport (other than marine/aviation)",1,0.75,0,0,0]
[null,"2. NP Transport",0.75,1,0,0,0]
[null,"3. Miscellaneous Financial Loss",0,0,1,0,0]
[null,"4. NP Casualty",0,0,0,1,0]
[null,"5. NP Credit & Suretyship",0,0,0,0,1]
[]
[]
[null,"CorrPR_Health (200)                     *",1,2,3,4]
[null," 1  - Medical expense & Prop. Reins.",1,0.5,0.5,0.5]
[null," 2  - Income Protection & Prop. Reins.",0.5,1,0.5,0.5]
[null," 3  - Workers' compensation & Prop. Reins.",0.5,0.5,1,0.5]
[null," 4 - Non-prop. reinsurance - Health",0.5,0.5,0.5,1]
[]
[]
[null,"CorrPR_Health (10)                       *",1,2,3,4]
[null," 1  - Medical expense & Prop. Reins.",1,0.25,0.25,0.25]
[null," 2  - Income Protection & Prop. Reins.",0.25,1,0.25,0.25]
[null," 3  - Workers' compensation & Prop. Reins.",0.25,0.25,1,0.25]
[null," 4 - Non-prop. reinsurance - Health",0.25,0.25,0.25,1]
[]
[]
[null,"Lines of Business NL (including proportonal reinsurance)            *"]
[null,"1  - Motor Vehicle Liability & Prop. Reins."]
[null,"2  - Other Motor & Prop. Reins."]
[null,"3  - Marine, Aviation & Transport (MAT) & Prop. Reins."]
[null,"4  - Fire & Other Damage to Property & Prop. Reins."]
[null,"5  - General Liability & Prop. Reins."]
[null,"6  - Credit & Suretyship & Prop. Reins."]
[null,"7  - Legal Expenses & Prop. Reins."]
[null,"8  - Assistance & Prop. Reins."]
[null,"9  - Miscellaneous Financial Loss & Prop. Reins."]
[null,"25 - Non-prop. reinsurance - Casualty"]
[null,"26 - Non-prop. reinsurance - MAT"]
[null,"27 - Non-prop. reinsurance - Property"]
[]
[]
[null,"Lines of Business Non-SLT health (including proportonal reinsurance)            *"]
[null,"10  - Medical expense & Prop. Reins."]
[null,"11  - Income Protection & Prop. Reins."]
[null,"12  - Workers' compensation & Prop. Reins."]
[null,"28 - Non-prop. reinsurance - Health"]

{"sheet":"SCR Structure","index":22,"n_rows":50,"n_cols":45,"rows_kept":50,"cut":false,"hidden":false,"merged":[[38,10,39,13],[30,22,31,25],[30,32,31,35],[30,38,31,41],[32,43,33,47],[35,43,36,47],[34,22,35,25],[34,32,35,35],[34,38,35,41],[37,22,38,25],[37,32,38,35],[37,38,38,41],[32,4,33,7],[32,10,33,13],[32,16,33,19],[35,4,36,7],[35,10,36,13],[35,16,36,19],[23,4,24,7],[23,10,24,13],[23,16,24,19],[23,26,24,29],[23,32,24,35],[20,4,21,7],[20,10,21,13],[20,16,21,19],[20,26,21,29],[20,32,21,35],[16,21,17,24],[16,26,17,29],[12,38,13,41],[12,44,13,47],[16,16,17,19],[2,24,3,27],[7,16,8,19],[7,24,8,27],[7,32,8,35],[12,4,13,7],[12,10,13,13],[12,21,13,24],[12,32,13,35],[26,4,27,7],[26,10,27,13],[26,16,27,19],[26,32,27,35],[29,4,30,7],[29,10,30,13],[29,16,30,19],[30,27,31,30],[40,22,41,25],[40,32,41,35],[40,38,41,41],[49,32,50,35],[43,22,44,25],[43,32,44,35],[43,38,44,41],[46,22,47,25],[46,32,47,35],[46,38,47,41]]}
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SCR"]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Adj",null,null,null,null,null,null,null,"BSCR",null,null,null,null,null,null,null,"Op"]
[]
[]
[]
[]
[null,null,null,null,"Market",null,null,null,null,null,"Life",null,null,null,null,null,null,null,null,null,null,"Health",null,null,null,null,null,null,null,null,null,null,"Non-Life",null,null,null,null,null,"Default",null,null,null,null,null,"Intangibles"]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SLT Health",null,null,null,null,"CAT",null,null,null,null,"Non-SLT Health"]
[]
[]
[]
[null,null,null,null,"Interest Rate",null,null,null,null,null,"Mortality",null,null,null,null,null,"Mortality",null,null,null,null,null,null,null,null,null,"Premium\nReserve",null,null,null,null,null,"Premium\nReserve"]
[]
[]
[null,null,null,null,"Equity",null,null,null,null,null,"Longevity",null,null,null,null,null,"Longevity",null,null,null,null,null,null,null,null,null,"Lapse",null,null,null,null,null,"Lapse"]
[]
[]
[null,null,null,null,"Property",null,null,null,null,null,"Disability &\nMorbidity",null,null,null,null,null,"Disability &\nMorbidity",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CAT"]
[]
[]
[null,null,null,null,"Spread",null,null,null,null,null,"Lapse",null,null,null,null,null,"Lapse"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Natural\nCatastrophe",null,null,null,null,"Non-Prop.\nReinsurance ",null,null,null,null,"Man Made\nCatastrophe",null,null,null,null,null,"Non-Life\nCAT Other",null,null,null,null,"Key:"]
[]
[null,null,null,null,"Currency",null,null,null,null,null,"Expenses",null,null,null,null,null,"Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tested in QIS5 for 1 in 10 non-life insurers"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Windstorm",null,null,null,null,null,null,null,null,null,"Motor Vehicle\nLiability",null,null,null,null,null,"Transport\nw/o MA"]
[null,null,null,null,"Concentration",null,null,null,null,null,"Revision",null,null,null,null,null,"Revision",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Not tested in QIS5 for 1 in 10 non-life insurers"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Flood",null,null,null,null,null,null,null,null,null,"Marine",null,null,null,null,null,"NP reins.\nTransport w/o MA"]
[null,null,null,null,null,null,null,null,null,null,"CAT"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earthquake",null,null,null,null,null,null,null,null,null,"Aviation",null,null,null,null,null,"Other propety\ninsurance"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hail",null,null,null,null,null,null,null,null,null,"Fire\n(Buildings)",null,null,null,null,null,"NP reinsurance\nMVL"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Subsidence",null,null,null,null,null,null,null,null,null,"Liability",null,null,null,null,null,"NP reinsurance\nC&S"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Credit &\nSuretyship"]