... interest rates prescribed under the policy, excluding any non-guaranteed bonus. If the policy does not offer any guaranteed crediting interest rate, a conservative crediting interest rate of 0% per annum should be used (“Guaranteed Basis” or “Conservative Basis”). (b) Based on the current assumed crediting...

... interest rates prescribed under the policy, excluding any non-guaranteed bonus. If the policy does not offer any guaranteed crediting interest rate, a conservative crediting interest rate of 0% per annum should be used (“Guaranteed Basis” or “Conservative Basis”). (b) Based on the current assumed crediting...

... Indonesians12, the majority of both groups being women employed as foreign domestic helpers (“FDHs”). 1.4 Hong Kong has one of the highest population densities in the world, standing at 6,777 persons per km2 in 2016. Language 1.5 Chinese and English are the official languages of Hong Kong. Cantonese, a southern...

... Indonesians12, the majority of both groups being women employed as foreign domestic helpers (“FDHs”). 1.4 Hong Kong has one of the highest population densities in the world, standing at 6,777 persons per km2 in 2016. Language 1.5 Chinese and English are the official languages of Hong Kong. Cantonese, a southern...

... Indonesians12, the majority of both groups being women employed as foreign domestic helpers (“FDHs”). 1.4 Hong Kong has one of the highest population densities in the world, standing at 6,777 persons per km2 in 2016. Language 1.5 Chinese and English are the official languages of Hong Kong. Cantonese, a southern...

... Guideline on Enterprise Risk Management GL21 GUIDELINE ON ENTERPRISE RISK MANAGEMENT Insurance Authority Table of Contents Page 1. Introduction 1 2. Application 3 3. Overview of Enterprise Risk Management (ERM) Framework and General Requirements 4 4. Governance 7 5. Risk Appetite Statement 12 6. Em...

... and/or the group capital resources in this respect, will be a “specified decision”, giving the designated insurance holding company a right to apply to have the decision reviewed by the Insurance Appeals Tribunal (per Part XII of the IO). 25 The criteria and considerations that are relevant, together...

... Guideline on Enterprise Risk Management GL21 GUIDELINE ON ENTERPRISE RISK MANAGEMENT Insurance Authority Table of Contents Page 1. Introduction 1 2. Application 3 3. Overview of Enterprise Risk Management (ERM) Framework and General Requirements 4 4. Governance 7 5. Risk Appetite Statement 12 6. Em...

... Draft Guideline on Enterprise Risk Management ANNEX DRAFT FOR CONSULTATION PURPOSES ONLY GUIDELINE ON ENTERPRISE RISK MANAGEMENT Insurance Authority Table of Contents Page 1. Introduction 1 2. Application 3 3. Overview of Enterprise Risk Management (ERM) Framework and General Requirements 4 4. Gove...

... Appendix A GL3 Guideline on Anti-Money Laundering and Counter- Terrorist Financing (For authorized insurers, reinsurers, appointed insurance agents and authorized insurance brokers carrying on or advising on long term business) Insurance Authority June 2017March 2018 Contents Page Chapter 1 Overvie...