Helia Group (HLI) 2017年年度报告「ASX」.pdf

1、GROWING TOGETHER2017ANNUALREPORTContentsSECTION 1OverviewOur vision 12017 at a glance 2Genworth in the community 4Chairmans message 6Chief Executive Officers report 8SECTION 2Directors reportBoard of Directors 10Senior leadership team 12Principal activity 14Organisation overview 14Business model 15P

2、roducts and customers 15Our strategy 16Risk management 18Operating and financial review 20Remuneration report 26SECTION 3Financial reportFinancial statements 45Directors declaration 82Independent auditors report 83SECTION 4Other informationShareholder information 87Glossary91Corporate directory IBCG

3、enworth is a leading provider of Lenders Mortgage Insurance(LMI)in Australia.LMI has been an important part of the Australian residential mortgage lending market since Housing Loan Insurance Corporation(HLIC)was founded by the Australian Government in 1965.Genworth Mortgage Insurance Australia Limit

4、ed and its controlled entities ABN 72 154 890 7301GENWORTH Annual Report 2017342DIRECTORS REPORTFINANCIAL REPORTOTHER INFORMATION1OVERVIEWCreating a homeAt Genworth,our vision is to be a leading provider of customer focused capital and risk management solutions in residential mortgage markets.We wor

5、k with our lender customers,regulators and policy leaders to promote a stronger and more sustainable housing market in Australia.2over1.4m69,149$1.5b$23.9b$3.4b$369mOperational highlights2017at a glancePolicies in-forcePolicies written in 2017Market capitalisationValue of insured loansDividends(cent

6、s per share)Ordinary Special Ordinary payout ratio(RHS)Investment portfolioGross written premium(GWP)05101520253050607080 FY17 FY16 FY15 FY14Cents per shareOrdinary payout ratio3GENWORTH Annual Report 2017342DIRECTORS REPORTFINANCIAL REPORTOTHER INFORMATION1OVERVIEWNT1%QLD23%NSW28%NZ2%TAS2%ACT3%VIC2