... identifies its possible causes by observation, which could be theft by customers, theft by staff, etc. It quantifies the loss from frequent stocktaking compared with cash receipts (making allowance for staff errors). It may deal with the risk, for example, by installing closed circuit TV, or (if market...

... allowance for staff errors). It may deal with the risk, for example, by installing closed circuit TV, or (if market conditions allow) by raising prices generally to offset such losses, or by setting up a self-insurance fund for them. 1/4 1.2 FUNCTIONS AND BENEFITS OF INSURANCE Insurance has many functions...

... circuit TV, or (if market conditions allow) by raising prices generally to offset such losses, or by setting up a self-insurance fund for them. 1/4 1.2 FUNCTIONS AND BENEFITS OF INSURANCE Insurance has many functions and benefits, some of which we may describe as primary and others as ancillary or...

... circuit TV, or (if market conditions allow) by raising prices generally to offset such losses, or by setting up a self-insurance fund for them. 1/4 1.2 FUNCTIONS AND BENEFITS OF INSURANCE Insurance has many functions and benefits, some of which we may describe as primary and others as ancillary or...

... 4q17gen (港幣千元) (HK$'000) 毛保費 淨保費 滿期保費 淨額 須付的佣金 毛額 須付的佣金 淨額 已償付申索 毛額 已償付申索 淨額 已承付申索 淨額 未過期風險 調整 管理開支 承保利潤 / (虧損) Gross Premiums Net Premiums Net Earned Premiums Gross Commissions Payable Net Commissions Payable Gross Claims Paid Net Claims Paid Net Claims Incurred Unexpired Risks Adjustment Manageme...

... 4q17gen (港幣千元) (HK$'000) 毛保費 淨保費 滿期保費 淨額 須付的佣金 毛額 須付的佣金 淨額 已償付申索 毛額 已償付申索 淨額 已承付申索 淨額 未過期風險 調整 管理開支 承保利潤 / (虧損) Gross Premiums Net Premiums Net Earned Premiums Gross Commissions Payable Net Commissions Payable Gross Claims Paid Net Claims Paid Net Claims Incurred Unexpired Risks Adjustment Manageme...

... 4q17gen (港幣千元) (HK$'000) 毛保費 淨保費 滿期保費 淨額 須付的佣金 毛額 須付的佣金 淨額 已償付申索 毛額 已償付申索 淨額 已承付申索 淨額 未過期風險 調整 管理開支 承保利潤 / (虧損) Gross Premiums Net Premiums Net Earned Premiums Gross Commissions Payable Net Commissions Payable Gross Claims Paid Net Claims Paid Net Claims Incurred Unexpired Risks Adjustment Manageme...

... 4q17gen (港幣千元) (HK$'000) 毛保費 淨保費 滿期保費 淨額 須付的佣金 毛額 須付的佣金 淨額 已償付申索 毛額 已償付申索 淨額 已承付申索 淨額 未過期風險 調整 管理開支 承保利潤 / (虧損) Gross Premiums Net Premiums Net Earned Premiums Gross Commissions Payable Net Commissions Payable Gross Claims Paid Net Claims Paid Net Claims Incurred Unexpired Risks Adjustment Manageme...

... 4q18gen.xlsx (港幣千元) (HK$'000) 毛保費 淨保費 滿期保費 淨額 須付的佣金 毛額 須付的佣金 淨額 已償付申索 毛額 已償付申索 淨額 已承付申索 淨額 未過期風險 調整 管理開支 承保利潤 / (虧損) Gross Premiums Net Premiums Net Earned Premiums Gross Commissions Payable Net Commissions Payable Gross Claims Paid Net Claims Paid Net Claims Incurred Unexpired Risks Adjustment Man...

... 4q19gen.xlsx (港幣千元) (HK$'000) 毛保費 淨保費 滿期保費 淨額 須付的佣金 毛額 須付的佣金 淨額 已償付申索 毛額 已償付申索 淨額 已承付申索 淨額 未過期風險 調整 管理開支 承保利潤 / (虧損) Gross Premiums Net Premiums Net Earned Premiums Gross Commissions Payable Net Commissions Payable Gross Claims Paid Net Claims Paid Net Claims Incurred Unexpired Risks Adjustment Man...