The standard view shows all financial service providers for which a comparative comparison of loss ratios at quarterly level was possible. This requirement is not always met. One reason for this could be a new inclusion in the DDH coverage. Since the data has already been collected since 2018 and recorded in data histories, a deeper interpretation of the information reveals that not all financial service providers have disclosed or updated the company-specific figures at the prescribed intervals. For financial service providers that do not have to publish CBR ratios, do not fall under a corresponding regulation or follow an exemption, an adequate value is automatically assigned.
For companies that have opted for the standard disclosure proposed by ESMA (74% - 89%), the higher value of the specified range is shown. For companies that make qualitative statements instead of numerical values ("... the vast majority..."), the CBR value is quantified as 90% to enable differentiation.
If, based on the CBR ratios, you are interested in background information on the respective financial service providers, click on one of the buttons provided within the content element you have selected.
Some financial service providers update the CBR ratios at shorter intervals than required. This is commendable and is (positively) weighted accordingly in the DDH scoring
. 1The data published on the portal refers to a fixed cut-off date and may therefore differ from current data