... September 2015, we had identified a number of technical issues for further deliberations. From November 2016 to mid-2017, we actively engaged with a number of representatives of the Hong Kong Federation of Insurers (“HKFI”) and the Actuarial Society of Hong Kong through four Industry Focus Groups (IFGs)2...

...,109,798 936,257 907,580 43,135.9 68,443.6 65,200.0 39,217.5 50,954.1 894,707 845,041 810,848 839,071 894,947 4,840.0 4,103.9 4,026.8 4,418.4 4,834.2 1,828,868 1,890,584 2,225,360 2,377,800 1,915,068 59,174.2 70,735.1 74,197.4 72,463.7 37,165.2 9,814,015 10,487,098 11,177,614 11,871,518 11,969,240 250...

... 706.8 136.6 172.9 (10.7) 458.4 (50.4) (7.1) 貨運 2016 528.5 69.4 110.7 0.0 128.6 219.8 41.6 Goods In 2017 533.1 70.4 116.1 0.5 104.0 242.1 45.4 Transit 2018 542.9 68.6 114.6 (0.2) 156.3 203.6 37.5 2019 529.4 69.1 112.5 0.4 187.7 159.7 30.2 2020 471.7 66.0 117.5 0.5 170.0 117.7 25.0 財產損壞 2016 2,160.0 667.7...

...,205,652 1,109,798 936,257 41,072.9 43,135.9 68,443.6 65,200.0 39,217.5 828,799 894,707 845,041 810,848 839,071 4,405.8 4,840.0 4,103.9 4,026.8 4,418.4 1,701,147 1,828,868 1,890,584 2,225,360 2,377,800 57,049.6 59,174.2 70,735.1 74,197.4 72,463.7 9,181,550 9,814,015 10,487,098 11,177,614 11,871,518 208...

... 557.3 (177.3) (27.4) 貨運 2014 555.0 92.5 111.0 (2.1) 130.9 222.7 40.1 Goods In 2015 614.1 79.0 126.6 (0.7) 83.4 325.8 53.1 Transit 2016 528.5 69.4 110.7 0.0 128.6 219.8 41.6 2017 533.1 70.4 116.1 0.5 104.0 242.1 45.4 2018 542.9 68.6 114.6 (0.2) 156.3 203.6 37.5 財產損壞 2014 2,027.4 642.4 465.0 (4.7) 455.8...

... Business % 10.3 11.0 12.1 General Insurance Business % 1.8 1.9 2.0 Individual Life Business Number of New Policies 1,079,690 1,069,548 1,028,724 Average Premium Size of New Policies $ 64,708 70,383 86,277 Number of In-force Policies 9,551,550 10,030,370 10,415,766 Premiums Per Capita of In-force Policies...

... Business % 10.3 11.0 12.1 General Insurance Business % 1.8 1.9 2.0 Individual Life Business Number of New Policies 1,079,690 1,069,548 1,028,724 Average Premium Size of New Policies $ 64,708 70,383 86,277 Number of In-force Policies 9,551,550 10,030,370 10,415,766 Premiums Per Capita of In-force Policies...

... Business % 10.3 11.0 12.1 General Insurance Business % 1.8 1.9 2.0 Individual Life Business Number of New Policies 1,079,690 1,069,548 1,028,724 Average Premium Size of New Policies $ 64,708 70,383 86,277 Number of In-force Policies 9,551,550 10,030,370 10,415,766 Premiums Per Capita of In-force Policies...

...,164,031 1,205,652 1,109,798 36,714.3 41,072.9 43,135.9 68,443.6 65,200.0 812,827 828,799 894,707 845,041 810,848 4,103.3 4,405.8 4,840.0 4,103.9 4,026.8 1,568,374 1,701,147 1,828,868 1,890,584 2,225,360 47,534.6 57,049.6 59,174.2 70,735.1 74,197.4 8,741,810 9,181,550 9,814,015 10,487,098 11,177,614...

... mortgage loan which exceeds 70% or other pre-determined ratio of the value of the property. 2.2. Mortgage guarantee insurance is generally of a long tail nature which distinguishes it from other classes of general insurance business. The risk it covers is also unique in that defaults by mortgagors are...