麦肯锡：全球保险业报告（36页）.pdf

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1、February 2022Creating value, finding focus: Global Insurance Report 2022This report is a collaborative effort by Pierre-Ignace Bernard, Stephan Binder, Alexander DAmico, Henri de Combles de Nayves, Kweilin Ellingrud, Philipp Klais, Bernhard Kotanko, and Kurt Strovink, representing views from McKinse

2、ys Insurance Practice.ContentsiiIntroduction01Welcome to a new world07State of the industry21Strategic imperatives for insurers27Where to play: Focusing the portfolioCreating value, finding focusWelcome to the first edition of McKinseys Global Insurance Report, focused on challenges and opportunitie

3、s for carriers in the global insurance industry. In this report, we look back at the past years developments and ahead to the ways that the industry is evolving.The global pandemic is resurgent with yet another wave of rising case numbers and pressure on healthcare systems. Its effects on business a

4、re no less significant. Over the past two years, COVID-19 has accelerated some trends that look certain to reshape the way insurance is underwritten, distributed, and managed. At the same time, some of the problems that have challenged the industry over the past decade have not gone away, and the co

5、mplexity of the macroeconomic environment has increased. Revenue growth is limited in most regions; intermediaries are capturing more value; scale economies are proving elusive; and productivity is quite stagnant. As a result, economic profitthat is, profit after cost of capitalin the insurance indu

6、stry is practically at a standstill. The industrys problems are not lost on capital markets. As public investors mark down companies shares, private investors swoop in to acquire closed books, and some insurers reconsider their geographical footprints, the fundamental structure of the industry is co