Utvecklandet av en företagsgemensam informationsplattform – Länsförsäkringar - IBM Smarter Business 2011
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Presentation från IBM Smarter Business 2011. Spår: Förvandla information till insikt. Som en del i att uppfylla nya regulatoriska krav för försäkringsbolag har Länsförsäkringar påbörjat utvecklandet av en företagsgemensam informationsplattform. Denna informationsplattform är ett strategiskt initiativ för att möjliggöra en expanderbar integrerad informationshantering för olika affärsområden. Det inbegriper bl.a. standardisering av informationsinnehåll och arkitektur, automatiserade data processer samt en flexibel distribution av information. Talare: Hans Bernheim, Senior Management Consultant, IBM Mer information på www.smarterbusiness.se
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Utvecklandet av en företagsgemensam informationsplattform – Länsförsäkringar - IBM Smarter Business 2011
- 1. Utvecklandet av en företagsgemensam informationsplattform, Länsförsäkringar Hans Bernheim IBM 19. Oktober 2011
- 2. Agenda Regulatoriska krav, Solvens 2 1 Nuvarande informationshantering 2 Målbild; Informationsarkitektur och styrning 3 Utmaningar & Möjligheter 4
- 3. Solvensregelverket bygger på tre pelare Målsättning : Upmuntra konkurens – Harmonisera lagstadgad regelverk och rapportering – Säkerställa aktsam riskhantering – Konsumentskydd Pelare I Kvantitativa krav för beräkning av kapital Pelare II Kvalitativa krav på riskhantering och intern kontroll Pelare III Krav på publik information till marknaden Investerginsrisk – Försäkringsrisk – Icke-finansiella riskker Solvens – Styrning -- Rapportering
- 4. Solvens 2 regelverket är en utmaning… Reporting Modeling Governance Information Management Organizational Impact Centralization of the risk and actuarial function. Ensure and demonstrate that management actively uses the Solvency insights for business planning and strategic decisions, for example in pricing and new product development. Produce a comprehensive set of regulatory reports (RTS and SFCR) as well as internal reporting to support the ORSA requirement to “manage the business with regard to Solvency” Develop the comprehensive risk, assets, legal, and financial model of the insurance company. Perform SCR calculation based on either the Standard Formula or an “internal model”. Properly calculate the Technical Provision and Eligible Own Funds. Bring together the information required from all business units and regions required for Solvency II calculation and reporting. Ensure quality. Retain for audit and calibration. Document, and perform on an ongoing basis, an assessment of the special risks that may apply to the insurer. Ensure that these are reflected in the solvency calculation. Solvency II will likely impact the insurer’s overall strategy including product mix, pricing, geographic footprint and investment strategy
- 5. Agenda Regulatoriska krav, Solvens 2 1 Nuvarande informationshantering 2 Målbild; Informationsarkitektur och styrning 3 Utmaningar & Möjligheter 4
- 6. Nuvarande informationshantering (illustrativt) Sak Liv Kap Rapportering Risk beräknings system Operativt system Data lager Data lager Data lager Operativt system Operativt system Rapportering Rapportering Operativt system Operativt system Operativt system Risk beräknings system Risk beräknings system
- 7. Agenda Regulatoriska krav, Solvens 2 1 Nuvarande informationshantering 2 Målbild; Informationsarkitektur och styrning 3 Utmaningar 4
- 8. Solvens II projekt informationshantering kort sikt (illustrativt) Business Glossary Data Model Management Data Model Mapping ETL & Quality Rule Devt. Source Data Profile Solution Design and Development tools Insurance Information Warehouse model (IIW) Integrated Metadata Management Report Development Sak Liv Kap Rapportering Business Glossary Data Model Management Data Model Mapping ETL & Quality Rule Devt. Source Data Profile Solution Design and Development tools Insurance Information Warehouse model (IIW) Integrated Metadata Management Data lager Data lager S2 Data lager S2 Data lager S2 Data lager Report Development Operativt system Operativt system Operativt system Risk beräknings system Risk beräknings system Operativt system Operativt system Operativt system Risk beräknings system
- 10. Solvens II projekt informationshantering lång sikt (illustrativt) Kap Business Glossary Data Model Management Data Model Mapping ETL & Quality Rule Devt. Source Data Profile Solution Design and Development tools Insurance Information Warehouse model (IIW) Integrated Metadata Management Report Development Sak Liv Rapportering Business Glossary Data Model Management Data Model Mapping ETL & Quality Rule Devt. Source Data Profile Solution Design and Development tools Insurance Information Warehouse model (IIW) Integrated Metadata Management S2 m.m. Data lager Report Development Operativt system Operativt system Operativt system Risk beräknings system Risk beräknings system Operativt system Operativt system Operativt system Risk beräknings system
- 11. Agenda Regulatoriska krav, Solvens 2 1 Nuvarande informationshantering 2 Målbild; Informationsarkitektur och styrning 3 Utmaningar & Möjligheter 4
Editor's Notes
- Pillar I – Calculate Solvency Explicitly quantify the level of risk faced and the amount of capital available to support it. Technical rules for valuation of assets, liabilities and required solvency margins Establish a Minimum Capital Requirement (MCR) and stricter Solvency Capital Requirement (SCR). Pillar II – Do the figures makes sense and are we managing by them Requires strong internal risk management and corporate governance capabilities Perform Own Risk (Solvency) Assessment Ability to set additional capital requirements in addition to Solvency and Minimum Pillar III – Are we complying Enhanced supervisory review process Public and regulatory disclosures Comprehensive timely internal and external reporting Public disclosures should be consistent with IASB and IFRS Phase II disclosures