Direct Line Insurance Group PLC (DLG) 2018年年度报告「LSE」.pdf

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1、Annual Report&Accounts2018Strategic report1Group highlights2Our Group4Our brands6Our segments8 Our routes to market10Our investment case 12Chairmans statement 15Chief Executive Officers review 18Market overview 19 Strategy 22Our business model 24 Our key performance indicators 26 Finance review 38 O

2、perating review 44 Risk management 5056 ResponsibilityPeople and culture ContentsRead more on pages 50 51ESG our approachInformation on our environmental,social and governance(“ESG”)related activitiesis structured according to the five pillars of our approach to responsibility.These pillars,activiti

3、es in the year relating to responsibility,and where to find ESGrelated information are set out in the Responsibility section.This also containsinformation on how we satisfy the requirements of the Non-Financial Reporting Directive.Governance60 Chairmans introduction62 Board of Directors65 Executive

4、Committee66 Corporate Governance report76 Committee reports88Directors remuneration report118 Directors reportFinancial statements122 Contents123 Independent Auditors report131 Consolidated financial statements136 Notes to the consolidated financial statements182 Parent Company financial statements1

5、84 Notes to the Parent Company financial statementsOther information189 Additional information191 Glossary and appendices195 Forward-looking statements disclaimer196 Contact informationFor more information please visit www.directlinegroup.co.uk/en/investors/esg.htmlGroup highlightsOur performance re

6、flects our focus on satisfying customers with the aim of delivering sustainable,profitable growthProfit before tax 582.6m(2017:539.0m)Return on tangibleequity121.5%(2017:23.0%)2 Combined operatingratio1,391.7%(2017:90.8%)2 Solvency capitalratio1,4(2017:165%)Operating profit1 601.7m(2017:642.8m)2 Div