Direct Line Insurance Group PLC (DLG) 2015年年度报告「LSE」.pdf

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1、Direct Line Insurance Group plc Annual Report&Accounts 2015Annual Report&Accounts 2015Our strategy supports our aspiration to bethe leading personal and small business general insurer in the UK.That is why our customers are at the centreof everything we do.For all the latest news and announcements T

2、o make insurancemuch easier and better value for our customersOur missionStrategic report2 Group highlights4 Group at a glance6 Market overview8 Business model10 Chairmans statement12 Chief Executive Officers review14 Our strategy24 Our key performance indicators26 Risk management30 Corporate social

3、 responsibility34 Operating review38 Finance reviewGovernance46 Chairmans introduction48 Board of Directors50 Executive Committee51 Corporate governance report58 Committee reports70 Directors remuneration report96 Directors reportFinancial statements100 Contents101 Independent Auditors report106 Con

4、solidated financial statements111 Notes to the consolidated financial statements164 Parent Company financial statements167 Notes to the Parent Company financial statementsOther information172 Additional information174 Glossary176 Forward-looking statements disclaimer Contact informationp22p20p18Our

5、strategic pillarsContentsGreat retailerSmart&efficient manufacturerLead&disrupt the 1Group highlightsDelivering for our customers and shareholdersWe achieved good results in 2015 while making progress on implementing our strategy.We remained focused on operating efficiency and disciplined underwriti

6、ng which helped us to improve operating profit from ongoing operations.Financial highlights Gross written premium from ongoing operations1 up 1.7%to 3,152.4 million,with 4.8%growth in Motor for 2015 and 7.1%in the fourth quarter.Motor and Home own brands in-force policies1 up 1.4%Operating profit fr