Risk and investment management

Risk management
Comprehensive risk management is a top ­priority and integral to the way Helvetia Group man­ages its business. This is particularly the case in light of the 2014 takeover of the Nationale Suisse Group and the Basler Austria as well as the continuing challenging economic environment. To ensure appropriate risk control and governance, the risk management of the Nationale Suisse is undergoing a transition under the guidance of the Helvetia risk organisation. Integration in the Helvetia risk organisation will take place during 2015.

A primary objective of risk management is the sustained safeguarding of the capital base as well as the reputation of Helvetia Group and its Group companies.

Capital management
Capital management is an essential pillar for achieving Helvetia Group’s long-term growth targets aimed at profitability. The optimisation of the capital allocation and income flows has the following objectives:

  • ensuring compliance with regulatory capital requirements at all times;
  • securing the capital required to underwrite new business;
  • optimising the earning power of its equity;
  • supporting strategic growth;
  • optimising financial flexibility.

These objectives will be defined whilst taking ­into consideration the risk-bearing capacity and cost / benefit considerations. Furthermore, as part of its capital management, Helvetia Group pursues the goal of an interactive financial strength rating of at least “A–”.

Investment management
Helvetia Group pursues a sustainable investment policy tailored to the liabilities arising from the insurance business. The objective is to generate attractive medium- and long-term returns for the shareholders and to make a reliable contribution to the Group result.

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