Reports and research

This article proposes an Early Warning System model composed of macro-financial and company-specific indicators that could help to anticipate a potential market distress in the European insurance sector. A distress is defined as periods in which insurance companies’ equity prices crash and CDS...

Since its establishment in 2012, one of the areas of focus for the EU-U.S. Insurance Dialogue Project has been to improve the mutual understanding between the EU and the U.S. on issues relating to group supervision of multi-national insurers. In 2018, one of the areas of focus for the Project has...

The Big Data working group of the EU-U.S. Project is focusing on the relationship between innovation, technology and insurance, specifically the increasing use of advanced data analytics in the insurance sector. The use of new technology and large datasets in the pricing and underwriting process...

The Report shows that while the phenomenon of automation in financial advice seems to be slowly growing, the overall number of firms and customers involved is still quite limited. As the identified risks have not materialised and considering the limited growth of the phenomenon, the ESAs believe...

The outcome of this structured dialogue with the industry provides useful insights on the functioning, growth potential, challenges and risks of cyber insurance in Europe in the context of the expected growing importance of cyber insurance in the portfolios of (re)insurers. Although based on a...