Form: 8-K

Current report filing

December 6, 2016

Supplemental Financial Data - Segment Information
EXHIBIT 99.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Three months ended March 31, 2016
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
373,017

 
$
71,942

 
$
444,959

 
$
417,174

 
$

 
$
862,133

 
 
Net premiums written
$
184,267

 
$
48,592

 
$
232,859

 
$
278,816

 
$

 
$
511,675

 
 
Net premiums earned
$
143,111

 
$
32,121

 
$
175,232

 
$
178,374

 
$

 
$
353,606

 
 
Net claims and claim expenses incurred
4,722

 
17,082

 
21,804

 
104,883

 
(82
)
 
126,605

 
 
Acquisition expenses
10,829

 
9,295

 
20,124

 
45,468

 

 
65,592

 
 
Operational expenses
23,050

 
5,607

 
28,657

 
27,518

 
60

 
56,235

 
 
Underwriting income (loss)
$
104,510

 
$
137

 
$
104,647

 
$
505

 
$
22

 
105,174

 
 
Net investment income
 
 
 
 
 
 
 
 
28,863

 
28,863

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(1,692
)
 
(1,692
)
 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
1,611

 
1,611

 
 
Other income
 
 
 
 
 
 
 
 
4,079

 
4,079

 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
61,653

 
61,653

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(8,225
)
 
(8,225
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(10,538
)
 
(10,538
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
180,925

 
 
Income tax expense
 
 
 
 
 
 
 
 
(2,744
)
 
(2,744
)
 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(44,591
)
 
(44,591
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(5,595
)
 
(5,595
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
127,995

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
11,352

 
$
16,380

 
$
27,732

 
$
100,477

 
$

 
$
128,209

 
 
Net claims and claim expenses incurred – prior accident years
(6,630
)
 
702

 
(5,928
)
 
4,406

 
(82
)
 
(1,604
)
 
 
Net claims and claim expenses incurred – total
$
4,722

 
$
17,082

 
$
21,804

 
$
104,883

 
$
(82
)
 
$
126,605

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
7.9
 %
 
51.0
%
 
15.8
 %
 
56.3
%
 
 
 
36.3
 %
 
 
Net claims and claim expense ratio – prior accident years
(4.6
)%
 
2.2
%
 
(3.4
)%
 
2.5
%
 
 
 
(0.5
)%
 
 
Net claims and claim expense ratio – calendar year
3.3
 %
 
53.2
%
 
12.4
 %
 
58.8
%
 
 
 
35.8
 %
 
 
Underwriting expense ratio
23.7
 %
 
46.4
%
 
27.9
 %
 
40.9
%
 
 
 
34.5
 %
 
 
Combined ratio
27.0
 %
 
99.6
%
 
40.3
 %
 
99.7
%
 
 
 
70.3
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 





Supplemental Financial Data - Segment Information
EXHIBIT 99.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Three months ended June 30, 2016
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
432,033

 
$
61,920

 
$
493,953

 
$
265,175

 
$

 
$
759,128

 
 
Net premiums written
$
290,195

 
$
60,398

 
$
350,593

 
$
169,323

 
$

 
$
519,916

 
 
Net premiums earned
$
151,201

 
$
39,859

 
$
191,060

 
$
160,342

 
$

 
$
351,402

 
 
Net claims and claim expenses incurred
59,505

 
20,770

 
80,275

 
87,390

 
85

 
167,750

 
 
Acquisition expenses
18,817

 
10,572

 
29,389

 
39,616

 

 
69,005

 
 
Operational expenses
21,080

 
5,446

 
26,526

 
24,526

 
21

 
51,073

 
 
Underwriting income (loss)
$
51,799

 
$
3,071

 
$
54,870

 
$
8,810

 
$
(106
)
 
63,574

 
 
Net investment income
 
 
 
 
 
 
 
 
54,124

 
54,124

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(690
)
 
(690
)
 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
6,022

 
6,022

 
 
Other income
 
 
 
 
 
 
 
 
2,654

 
2,654

 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
69,772

 
69,772

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(5,752
)
 
(5,752
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(10,536
)
 
(10,536
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
179,168

 
 
Income tax expense
 
 
 
 
 
 
 
 
(6,612
)
 
(6,612
)
 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(30,635
)
 
(30,635
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(5,596
)
 
(5,596
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
136,325

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
73,311

 
$
20,025

 
$
93,336

 
$
103,669

 
$

 
$
197,005

 
 
Net claims and claim expenses incurred – prior accident years
(13,806
)
 
745

 
(13,061
)
 
(16,279
)
 
85

 
(29,255
)
 
 
Net claims and claim expenses incurred – total
$
59,505

 
$
20,770

 
$
80,275

 
$
87,390

 
$
85

 
$
167,750

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
48.5
 %
 
50.2
%
 
48.9
 %
 
64.7
 %
 
 
 
56.1
 %
 
 
Net claims and claim expense ratio – prior accident years
(9.1
)%
 
1.9
%
 
(6.9
)%
 
(10.2
)%
 
 
 
(8.4
)%
 
 
Net claims and claim expense ratio – calendar year
39.4
 %
 
52.1
%
 
42.0
 %
 
54.5
 %
 
 
 
47.7
 %
 
 
Underwriting expense ratio
26.3
 %
 
40.2
%
 
29.3
 %
 
40.0
 %
 
 
 
34.2
 %
 
 
Combined ratio
65.7
 %
 
92.3
%
 
71.3
 %
 
94.5
 %
 
 
 
81.9
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Six months ended June 30, 2016
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
805,050

 
$
133,862

 
$
938,912

 
$
682,349

 
$

 
$
1,621,261

 
 
Net premiums written
$
474,462

 
$
108,990

 
$
583,452

 
$
448,139

 
$

 
$
1,031,591

 
 
Net premiums earned
$
294,312

 
$
71,980

 
$
366,292

 
$
338,716

 
$

 
$
705,008

 
 
Net claims and claim expenses incurred
64,227

 
37,852

 
102,079

 
192,273

 
3

 
294,355

 
 
Acquisition expenses
29,646

 
19,867

 
49,513

 
85,084

 

 
134,597

 
 
Operational expenses
44,130

 
11,053

 
55,183

 
52,044

 
81

 
107,308

 
 
Underwriting income (loss)
$
156,309

 
$
3,208

 
$
159,517

 
$
9,315

 
$
(84
)
 
168,748

 
 
Net investment income
 
 
 
 
 
 
 
 
82,987

 
82,987

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(2,382
)
 
(2,382
)
 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
7,633

 
7,633

 
 
Other income
 
 
 
 
 
 
 
 
6,733

 
6,733

 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
131,425

 
131,425

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(13,977
)
 
(13,977
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(21,074
)
 
(21,074
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
360,093

 
 
Income tax expense
 
 
 
 
 
 
 
 
(9,356
)
 
(9,356
)
 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(75,226
)
 
(75,226
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(11,191
)
 
(11,191
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
264,320

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
84,663

 
$
36,405

 
$
121,068

 
$
204,146

 
$

 
$
325,214

 
 
Net claims and claim expenses incurred – prior accident years
(20,436
)
 
1,447

 
(18,989
)
 
(11,873
)
 
3

 
(30,859
)
 
 
Net claims and claim expenses incurred – total
$
64,227

 
$
37,852

 
$
102,079

 
$
192,273

 
$
3

 
$
294,355

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
28.8
 %
 
50.6
%
 
33.1
 %
 
60.3
 %
 
 
 
46.1
 %
 
 
Net claims and claim expense ratio – prior accident years
(7.0
)%
 
2.0
%
 
(5.2
)%
 
(3.5
)%
 
 
 
(4.3
)%
 
 
Net claims and claim expense ratio – calendar year
21.8
 %
 
52.6
%
 
27.9
 %
 
56.8
 %
 
 
 
41.8
 %
 
 
Underwriting expense ratio
25.1
 %
 
42.9
%
 
28.6
 %
 
40.4
 %
 
 
 
34.3
 %
 
 
Combined ratio
46.9
 %
 
95.5
%
 
56.5
 %
 
97.2
 %
 
 
 
76.1
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 




Supplemental Financial Data - Segment Information
EXHIBIT 99.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Three months ended September 30, 2016
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
71,606

 
$
48,298

 
$
119,904

 
$
310,320

 
$

 
$
430,224

 
 
Net premiums written
$
42,033

 
$
48,876

 
$
90,909

 
$
193,313

 
$

 
$
284,222

 
 
Net premiums earned
$
130,014

 
$
42,647

 
$
172,661

 
$
173,860

 
$

 
$
346,521

 
 
Net claims and claim expenses incurred
1,906

 
21,633

 
23,539

 
89,844

 
(808
)
 
112,575

 
 
Acquisition expenses
9,195

 
12,468

 
21,663

 
58,917

 

 
80,580

 
 
Operational expenses
19,208

 
5,050

 
24,258

 
16,217

 
18

 
40,493

 
 
Underwriting income
$
99,705

 
$
3,496

 
$
103,201

 
$
8,882

 
$
790

 
112,873

 
 
Net investment income
 
 
 
 
 
 
 
 
51,423

 
51,423

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(5,986
)
 
(5,986
)
 
 
Equity in losses of other ventures
 
 
 
 
 
 
 
 
(11,630
)
 
(11,630
)
 
 
Other income
 
 
 
 
 
 
 
 
2,268

 
2,268

 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
59,870

 
59,870

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(11,537
)
 
(11,537
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(10,536
)
 
(10,536
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
186,745

 
 
Income tax benefit
 
 
 
 
 
 
 
 
1,316

 
1,316

 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(35,641
)
 
(35,641
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(5,595
)
 
(5,595
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
146,825

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
18,275

 
$
23,787

 
$
42,062

 
$
116,298

 
$

 
$
158,360

 
 
Net claims and claim expenses incurred – prior accident years
(16,369
)
 
(2,154
)
 
(18,523
)
 
(26,454
)
 
(808
)
 
(45,785
)
 
 
Net claims and claim expenses incurred – total
$
1,906

 
$
21,633

 
$
23,539

 
$
89,844

 
$
(808
)
 
$
112,575

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
14.1
 %
 
55.8
 %
 
24.4
 %
 
66.9
 %
 
 
 
45.7
 %
 
 
Net claims and claim expense ratio – prior accident years
(12.6
)%
 
(5.1
)%
 
(10.8
)%
 
(15.2
)%
 
 
 
(13.2
)%
 
 
Net claims and claim expense ratio – calendar year
1.5
 %
 
50.7
 %
 
13.6
 %
 
51.7
 %
 
 
 
32.5
 %
 
 
Underwriting expense ratio
21.8
 %
 
41.1
 %
 
26.6
 %
 
43.2
 %
 
 
 
34.9
 %
 
 
Combined ratio
23.3
 %
 
91.8
 %
 
40.2
 %
 
94.9
 %
 
 
 
67.4
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Nine months ended September 30, 2016
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
876,656

 
$
182,160

 
$
1,058,816

 
$
992,669

 
$

 
$
2,051,485

 
 
Net premiums written
$
516,495

 
$
157,866

 
$
674,361

 
$
641,452

 
$

 
$
1,315,813

 
 
Net premiums earned
$
424,326

 
$
114,627

 
$
538,953

 
$
512,576

 
$

 
$
1,051,529

 
 
Net claims and claim expenses incurred
66,133

 
59,485

 
125,618

 
282,117

 
(805
)
 
406,930

 
 
Acquisition expenses
38,841

 
32,335

 
71,176

 
144,001

 

 
215,177

 
 
Operational expenses
63,338

 
16,103

 
79,441

 
68,261

 
99

 
147,801

 
 
Underwriting income
$
256,014

 
$
6,704

 
$
262,718

 
$
18,197

 
$
706

 
281,621

 
 
Net investment income
 
 
 
 
 
 
 
 
134,410

 
134,410

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(8,368
)
 
(8,368
)
 
 
Equity in losses of other ventures
 
 
 
 
 
 
 
 
(3,997
)
 
(3,997
)
 
 
Other income
 
 
 
 
 
 
 
 
9,001

 
9,001

 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
191,295

 
191,295

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(25,514
)
 
(25,514
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(31,610
)
 
(31,610
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
546,838

 
 
Income tax expense
 
 
 
 
 
 
 
 
(8,040
)
 
(8,040
)
 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(110,867
)
 
(110,867
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(16,786
)
 
(16,786
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
411,145

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
102,938

 
$
60,192

 
$
163,130

 
$
320,444

 
$

 
$
483,574

 
 
Net claims and claim expenses incurred – prior accident years
(36,805
)
 
(707
)
 
(37,512
)
 
(38,327
)
 
(805
)
 
(76,644
)
 
 
Net claims and claim expenses incurred – total
$
66,133

 
$
59,485

 
$
125,618

 
$
282,117

 
$
(805
)
 
$
406,930

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
24.3
 %
 
52.5
 %
 
30.3
 %
 
62.5
 %
 
 
 
46.0
 %
 
 
Net claims and claim expense ratio – prior accident years
(8.7
)%
 
(0.6
)%
 
(7.0
)%
 
(7.5
)%
 
 
 
(7.3
)%
 
 
Net claims and claim expense ratio – calendar year
15.6
 %
 
51.9
 %
 
23.3
 %
 
55.0
 %
 
 
 
38.7
 %
 
 
Underwriting expense ratio
24.1
 %
 
42.3
 %
 
28.0
 %
 
41.4
 %
 
 
 
34.5
 %
 
 
Combined ratio
39.7
 %
 
94.2
 %
 
51.3
 %
 
96.4
 %
 
 
 
73.2
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 



Supplemental Financial Data - Segment Information
EXHIBIT 99.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Three months ended March 31, 2015
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
410,325

 
$
33,545

 
$
443,870

 
$
199,798

 
$
(90
)
 
$
643,578

 
 
Net premiums written
$
227,444

 
$
20,144

 
$
247,588

 
$
156,536

 
$
(89
)
 
$
404,035

 
 
Net premiums earned
$
153,154

 
$
28,397

 
$
181,551

 
$
115,298

 
$
(89
)
 
$
296,760

 
 
Net claims and claim expenses incurred
6,757

 
12,764

 
19,521

 
57,755

 
(423
)
 
76,853

 
 
Acquisition expenses
9,389

 
7,787

 
17,176

 
25,860

 
365

 
43,401

 
 
Operational expenses
20,704

 
4,330

 
25,034

 
20,559

 
28

 
45,621

 
 
Underwriting income (loss)
$
116,304

 
$
3,516

 
$
119,820

 
$
11,124

 
$
(59
)
 
130,885

 
 
Net investment income
 
 
 
 
 
 
 
 
39,707

 
39,707

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(3,130
)
 
(3,130
)
 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
5,295

 
5,295

 
 
Other income
 
 
 
 
 
 
 
 
1,539

 
1,539

 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
41,749

 
41,749

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(45,533
)
 
(45,533
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(5,316
)
 
(5,316
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
165,196

 
 
Income tax benefit
 
 
 
 
 
 
 
 
47,904

 
47,904

 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(39,662
)
 
(39,662
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(5,595
)
 
(5,595
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
167,843

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
23,638

 
$
10,504

 
$
34,142

 
$
64,856

 
$

 
$
98,998

 
 
Net claims and claim expenses incurred – prior accident years
(16,881
)
 
2,260

 
(14,621
)
 
(7,101
)
 
(423
)
 
(22,145
)
 
 
Net claims and claim expenses incurred – total
$
6,757

 
$
12,764

 
$
19,521

 
$
57,755

 
$
(423
)
 
$
76,853

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
15.4
 %
 
37.0
%
 
18.8
 %
 
56.3
 %
 
 
 
33.4
 %
 
 
Net claims and claim expense ratio – prior accident years
(11.0
)%
 
7.9
%
 
(8.0
)%
 
(6.2
)%
 
 
 
(7.5
)%
 
 
Net claims and claim expense ratio – calendar year
4.4
 %
 
44.9
%
 
10.8
 %
 
50.1
 %
 
 
 
25.9
 %
 
 
Underwriting expense ratio
19.7
 %
 
42.7
%
 
23.2
 %
 
40.3
 %
 
 
 
30.0
 %
 
 
Combined ratio
24.1
 %
 
87.6
%
 
34.0
 %
 
90.4
 %
 
 
 
55.9
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 




Supplemental Financial Data - Segment Information
EXHIBIT 99.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Three months ended June 30, 2015
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
416,716

 
$
49,374

 
$
466,090

 
$
195,907

 
$

 
$
661,997

 
 
Net premiums written
$
302,122

 
$
46,416

 
$
348,538

 
$
160,139

 
$

 
$
508,677

 
 
Net premiums earned
$
172,858

 
$
43,620

 
$
216,478

 
$
163,350

 
$

 
$
379,828

 
 
Net claims and claim expenses incurred
54,582

 
9,910

 
64,492

 
104,628

 
224

 
169,344

 
 
Acquisition expenses
21,207

 
10,764

 
31,971

 
29,804

 
(109
)
 
61,666

 
 
Operational expenses
23,918

 
5,064

 
28,982

 
25,574

 
117

 
54,673

 
 
Underwriting income (loss)
$
73,151

 
$
17,882

 
$
91,033

 
$
3,344

 
$
(232
)
 
94,145

 
 
Net investment income
 
 
 
 
 
 
 
 
38,604

 
38,604

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(1,740
)
 
(1,740
)
 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
6,160

 
6,160

 
 
Other income
 
 
 
 
 
 
 
 
1,427

 
1,427

 
 
Net realized and unrealized losses on investments
 
 
 
 
 
 
 
 
(26,712
)
 
(26,712
)
 
 
Corporate expenses
 
 
 
 
 
 
 
 
(12,868
)
 
(12,868
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(9,862
)
 
(9,862
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
89,154

 
 
Income tax benefit
 
 
 
 
 
 
 
 
1,842

 
1,842

 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(12,167
)
 
(12,167
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(5,596
)
 
(5,596
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
73,233

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
66,555

 
$
21,076

 
$
87,631

 
$
114,789

 
$

 
$
202,420

 
 
Net claims and claim expenses incurred – prior accident years
(11,973
)
 
(11,166
)
 
(23,139
)
 
(10,161
)
 
224

 
(33,076
)
 
 
Net claims and claim expenses incurred – total
$
54,582

 
$
9,910

 
$
64,492

 
$
104,628

 
$
224

 
$
169,344

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
38.5
 %
 
48.3
 %
 
40.5
 %
 
70.3
 %
 
 
 
53.3
 %
 
 
Net claims and claim expense ratio – prior accident years
(6.9
)%
 
(25.6
)%
 
(10.7
)%
 
(6.2
)%
 
 
 
(8.7
)%
 
 
Net claims and claim expense ratio – calendar year
31.6
 %
 
22.7
 %
 
29.8
 %
 
64.1
 %
 
 
 
44.6
 %
 
 
Underwriting expense ratio
26.1
 %
 
36.3
 %
 
28.1
 %
 
33.9
 %
 
 
 
30.6
 %
 
 
Combined ratio
57.7
 %
 
59.0
 %
 
57.9
 %
 
98.0
 %
 
 
 
75.2
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Six months ended June 30, 2015
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
827,041

 
$
82,919

 
$
909,960

 
$
395,705

 
$
(90
)
 
$
1,305,575

 
 
Net premiums written
$
529,566

 
$
66,560

 
$
596,126

 
$
316,675

 
$
(89
)
 
$
912,712

 
 
Net premiums earned
$
326,012

 
$
72,017

 
$
398,029

 
$
278,648

 
$
(89
)
 
$
676,588

 
 
Net claims and claim expenses incurred
61,339

 
22,674

 
84,013

 
162,383

 
(199
)
 
246,197

 
 
Acquisition expenses
30,596

 
18,551

 
49,147

 
55,664

 
256

 
105,067

 
 
Operational expenses
44,622

 
9,394

 
54,016

 
46,133

 
145

 
100,294

 
 
Underwriting income (loss)
$
189,455

 
$
21,398

 
$
210,853

 
$
14,468

 
$
(291
)
 
225,030

 
 
Net investment income
 
 
 
 
 
 
 
 
78,311

 
78,311

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(4,870
)
 
(4,870
)
 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
11,455

 
11,455

 
 
Other income
 
 
 
 
 
 
 
 
2,966

 
2,966

 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
15,037

 
15,037

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(58,401
)
 
(58,401
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(15,178
)
 
(15,178
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
254,350

 
 
Income tax benefit
 
 
 
 
 
 
 
 
49,746

 
49,746

 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(51,829
)
 
(51,829
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(11,191
)
 
(11,191
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
241,076

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
90,193

 
$
31,580

 
$
121,773

 
$
179,645

 
$

 
$
301,418

 
 
Net claims and claim expenses incurred – prior accident years
(28,854
)
 
(8,906
)
 
(37,760
)
 
(17,262
)
 
(199
)
 
(55,221
)
 
 
Net claims and claim expenses incurred – total
$
61,339

 
$
22,674

 
$
84,013

 
$
162,383

 
$
(199
)
 
$
246,197

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
27.7
 %
 
43.9
 %
 
30.6
 %
 
64.5
 %
 
 
 
44.5
 %
 
 
Net claims and claim expense ratio – prior accident years
(8.9
)%
 
(12.4
)%
 
(9.5
)%
 
(6.2
)%
 
 
 
(8.1
)%
 
 
Net claims and claim expense ratio – calendar year
18.8
 %
 
31.5
 %
 
21.1
 %
 
58.3
 %
 
 
 
36.4
 %
 
 
Underwriting expense ratio
23.1
 %
 
38.8
 %
 
25.9
 %
 
36.5
 %
 
 
 
30.3
 %
 
 
Combined ratio
41.9
 %
 
70.3
 %
 
47.0
 %
 
94.8
 %
 
 
 
66.7
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 




Supplemental Financial Data - Segment Information
EXHIBIT 99.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Three months ended September 30, 2015
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
88,273

 
$
30,006

 
$
118,279

 
$
251,363

 
$

 
$
369,642

 
 
Net premiums written
$
59,991

 
$
29,433

 
$
89,424

 
$
177,396

 
$

 
$
266,820

 
 
Net premiums earned
$
170,415

 
$
35,205

 
$
205,620

 
$
156,768

 
$

 
$
362,388

 
 
Net claims and claim expenses incurred
17,781

 
23,270

 
41,051

 
58,698

 
279

 
100,028

 
 
Acquisition expenses
16,559

 
10,020

 
26,579

 
51,555

 
(8
)
 
78,126

 
 
Operational expenses
25,041

 
4,860

 
29,901

 
24,581

 
36

 
54,518

 
 
Underwriting income (loss)
$
111,034

 
$
(2,945
)
 
$
108,089

 
$
21,934

 
$
(307
)
 
129,716

 
 
Net investment income
 
 
 
 
 
 
 
 
28,338

 
28,338

 
 
Net foreign exchange gains
 
 
 
 
 
 
 
 
616

 
616

 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
5,730

 
5,730

 
 
Other income
 
 
 
 
 
 
 
 
2,306

 
2,306

 
 
Net realized and unrealized losses on investments
 
 
 
 
 
 
 
 
(41,138
)
 
(41,138
)
 
 
Corporate expenses
 
 
 
 
 
 
 
 
(7,322
)
 
(7,322
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(10,542
)
 
(10,542
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
107,704

 
 
Income tax benefit
 
 
 
 
 
 
 
 
4,573

 
4,573

 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(31,153
)
 
(31,153
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(5,595
)
 
(5,595
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
75,529

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
31,723

 
$
29,844

 
$
61,567

 
$
108,811

 
$

 
$
170,378

 
 
Net claims and claim expenses incurred – prior accident years
(13,942
)
 
(6,574
)
 
(20,516
)
 
(50,113
)
 
279

 
(70,350
)
 
 
Net claims and claim expenses incurred – total
$
17,781

 
$
23,270

 
$
41,051

 
$
58,698

 
$
279

 
$
100,028

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
18.6
 %
 
84.8
 %
 
29.9
 %
 
69.4
 %
 
 
 
47.0
 %
 
 
Net claims and claim expense ratio – prior accident years
(8.2
)%
 
(18.7
)%
 
(9.9
)%
 
(32.0
)%
 
 
 
(19.4
)%
 
 
Net claims and claim expense ratio – calendar year
10.4
 %
 
66.1
 %
 
20.0
 %
 
37.4
 %
 
 
 
27.6
 %
 
 
Underwriting expense ratio
24.4
 %
 
42.3
 %
 
27.4
 %
 
48.6
 %
 
 
 
36.6
 %
 
 
Combined ratio
34.8
 %
 
108.4
 %
 
47.4
 %
 
86.0
 %
 
 
 
64.2
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Nine months ended September 30, 2015
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
915,314

 
$
112,925

 
$
1,028,239

 
$
647,068

 
$
(90
)
 
$
1,675,217

 
 
Net premiums written
$
589,557

 
$
95,993

 
$
685,550

 
$
494,071

 
$
(89
)
 
$
1,179,532

 
 
Net premiums earned
$
496,427

 
$
107,222

 
$
603,649

 
$
435,416

 
$
(89
)
 
$
1,038,976

 
 
Net claims and claim expenses incurred
79,120

 
45,944

 
125,064

 
221,081

 
80

 
346,225

 
 
Acquisition expenses
47,155

 
28,571

 
75,726

 
107,219

 
248

 
183,193

 
 
Operational expenses
69,663

 
14,254

 
83,917

 
70,714

 
181

 
154,812

 
 
Underwriting income (loss)
$
300,489

 
$
18,453

 
$
318,942

 
$
36,402

 
$
(598
)
 
354,746

 
 
Net investment income
 
 
 
 
 
 
 
 
106,649

 
106,649

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(4,254
)
 
(4,254
)
 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
17,185

 
17,185

 
 
Other income
 
 
 
 
 
 
 
 
5,272

 
5,272

 
 
Net realized and unrealized losses on investments
 
 
 
 
 
 
 
 
(26,101
)
 
(26,101
)
 
 
Corporate expenses
 
 
 
 
 
 
 
 
(65,723
)
 
(65,723
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(25,720
)
 
(25,720
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
362,054

 
 
Income tax benefit
 
 
 
 
 
 
 
 
54,319

 
54,319

 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(82,982
)
 
(82,982
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(16,786
)
 
(16,786
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
316,605

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
121,916

 
$
61,424

 
$
183,340

 
$
288,456

 
$

 
$
471,796

 
 
Net claims and claim expenses incurred – prior accident years
(42,796
)
 
(15,480
)
 
(58,276
)
 
(67,375
)
 
80

 
(125,571
)
 
 
Net claims and claim expenses incurred – total
$
79,120

 
$
45,944

 
$
125,064

 
$
221,081

 
$
80

 
$
346,225

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
24.6
 %
 
57.3
 %
 
30.4
 %
 
66.2
 %
 
 
 
45.4
 %
 
 
Net claims and claim expense ratio – prior accident years
(8.7
)%
 
(14.5
)%
 
(9.7
)%
 
(15.4
)%
 
 
 
(12.1
)%
 
 
Net claims and claim expense ratio – calendar year
15.9
 %
 
42.8
 %
 
20.7
 %
 
50.8
 %
 
 
 
33.3
 %
 
 
Underwriting expense ratio
23.6
 %
 
40.0
 %
 
26.5
 %
 
40.8
 %
 
 
 
32.6
 %
 
 
Combined ratio
39.5
 %
 
82.8
 %
 
47.2
 %
 
91.6
 %
 
 
 
65.9
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 




Supplemental Financial Data - Segment Information
EXHIBIT 99.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Three months ended December 31, 2015
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
15,264

 
$
28,656

 
$
43,920

 
$
292,173

 
$

 
$
336,093

 
 
Net premiums written
$
11,992

 
$
28,603

 
$
40,595

 
$
196,015

 
$
41

 
$
236,651

 
 
Net premiums earned
$
168,177

 
$
34,159

 
$
202,336

 
$
159,198

 
$
41

 
$
361,575

 
 
Net claims and claim expenses incurred
(8,924
)
 
12,150

 
3,226

 
99,737

 
(950
)
 
102,013

 
 
Acquisition expenses
8,656

 
9,867

 
18,523

 
36,876

 

 
55,399

 
 
Operational expenses
28,717

 
6,032

 
34,749

 
29,466

 
85

 
64,300

 
 
Underwriting income (loss)
$
139,728

 
$
6,110

 
$
145,838

 
$
(6,881
)
 
$
906

 
139,863

 
 
Net investment income
 
 
 
 
 
 
 
 
45,918

 
45,918

 
 
Net foreign exchange gains
 
 
 
 
 
 
 
 
1,203

 
1,203

 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
3,296

 
3,296

 
 
Other income
 
 
 
 
 
 
 
 
8,200

 
8,200

 
 
Net realized and unrealized losses on investments
 
 
 
 
 
 
 
 
(42,817
)
 
(42,817
)
 
 
Corporate expenses
 
 
 
 
 
 
 
 
(10,791
)
 
(10,791
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(10,550
)
 
(10,550
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
134,322

 
 
Income tax expense
 
 
 
 
 
 
 
 
(8,453
)
 
(8,453
)
 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(28,068
)
 
(28,068
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(5,595
)
 
(5,595
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
92,206

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
19,828

 
$
18,908

 
$
38,736

 
$
100,153

 
$

 
$
138,889

 
 
Net claims and claim expenses incurred – prior accident years
(28,752
)
 
(6,758
)
 
(35,510
)
 
(416
)
 
(950
)
 
(36,876
)
 
 
Net claims and claim expenses incurred – total
$
(8,924
)
 
$
12,150

 
$
3,226

 
$
99,737

 
$
(950
)
 
$
102,013

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
11.8
 %
 
55.4
 %
 
19.1
 %
 
62.9
 %
 
 
 
38.4
 %
 
 
Net claims and claim expense ratio – prior accident years
(17.1
)%
 
(19.8
)%
 
(17.5
)%
 
(0.3
)%
 
 
 
(10.2
)%
 
 
Net claims and claim expense ratio – calendar year
(5.3
)%
 
35.6
 %
 
1.6
 %
 
62.6
 %
 
 
 
28.2
 %
 
 
Underwriting expense ratio
22.2
 %
 
46.5
 %
 
26.3
 %
 
41.7
 %
 
 
 
33.1
 %
 
 
Combined ratio
16.9
 %
 
82.1
 %
 
27.9
 %
 
104.3
 %
 
 
 
61.3
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Year ended December 31, 2015
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
930,578

 
$
141,581

 
$
1,072,159

 
$
939,241

 
$
(90
)
 
$
2,011,310

 
 
Net premiums written
$
601,549

 
$
124,596

 
$
726,145

 
$
690,086

 
$
(48
)
 
$
1,416,183

 
 
Net premiums earned
$
664,604

 
$
141,381

 
$
805,985

 
$
594,614

 
$
(48
)
 
$
1,400,551

 
 
Net claims and claim expenses incurred
70,196

 
58,094

 
128,290

 
320,818

 
(870
)
 
448,238

 
 
Acquisition expenses
55,811

 
38,438

 
94,249

 
144,095

 
248

 
238,592

 
 
Operational expenses
98,380

 
20,286

 
118,666

 
100,180

 
266

 
219,112

 
 
Underwriting income
$
440,217

 
$
24,563

 
$
464,780

 
$
29,521

 
$
308

 
494,609

 
 
Net investment income
 
 
 
 
 
 
 
 
152,567

 
152,567

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(3,051
)
 
(3,051
)
 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
20,481

 
20,481

 
 
Other income
 
 
 
 
 
 
 
 
13,472

 
13,472

 
 
Net realized and unrealized losses on investments
 
 
 
 
 
 
 
 
(68,918
)
 
(68,918
)
 
 
Corporate expenses
 
 
 
 
 
 
 
 
(76,514
)
 
(76,514
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(36,270
)
 
(36,270
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
496,376

 
 
Income tax benefit
 
 
 
 
 
 
 
 
45,866

 
45,866

 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(111,050
)
 
(111,050
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(22,381
)
 
(22,381
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
408,811

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
141,744

 
$
80,332

 
$
222,076

 
$
388,609

 
$

 
$
610,685

 
 
Net claims and claim expenses incurred – prior accident years
(71,548
)
 
(22,238
)
 
(93,786
)
 
(67,791
)
 
(870
)
 
(162,447
)
 
 
Net claims and claim expenses incurred – total
$
70,196

 
$
58,094

 
$
128,290

 
$
320,818

 
$
(870
)
 
$
448,238

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
21.3
 %
 
56.8
 %
 
27.6
 %
 
65.4
 %
 
 
 
43.6
 %
 
 
Net claims and claim expense ratio – prior accident years
(10.7
)%
 
(15.7
)%
 
(11.7
)%
 
(11.4
)%
 
 
 
(11.6
)%
 
 
Net claims and claim expense ratio – calendar year
10.6
 %
 
41.1
 %
 
15.9
 %
 
54.0
 %
 
 
 
32.0
 %
 
 
Underwriting expense ratio
23.2
 %
 
41.5
 %
 
26.4
 %
 
41.0
 %
 
 
 
32.7
 %
 
 
Combined ratio
33.8
 %
 
82.6
 %
 
42.3
 %
 
95.0
 %
 
 
 
64.7
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 




Supplemental Financial Data - Segment Information
EXHIBIT 99.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Three months ended March 31, 2014
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
489,266

 
$
18,065

 
$
507,331

 
$
197,929

 
$

 
$
705,260

 
 
Net premiums written
$
272,104

 
$
11,804

 
$
283,908

 
$
166,439

 
$

 
$
450,347

 
 
Net premiums earned
$
172,311

 
$
18,302

 
$
190,613

 
$
95,898

 
$
23

 
$
286,534

 
 
Net claims and claim expenses incurred
5,771

 
(1,356
)
 
4,415

 
54,402

 
98

 
58,915

 
 
Acquisition expenses
8,396

 
3,407

 
11,803

 
22,437

 
(540
)
 
33,700

 
 
Operational expenses
21,830

 
3,717

 
25,547

 
17,011

 
66

 
42,624

 
 
Underwriting income
$
136,314

 
$
12,534

 
$
148,848

 
$
2,048

 
$
399

 
151,295

 
 
Net investment income
 
 
 
 
 
 
 
 
38,948

 
38,948

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(1,061
)
 
(1,061
)
 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
4,199

 
4,199

 
 
Other income
 
 
 
 
 
 
 
 
62

 
62

 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
14,927

 
14,927

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(4,486
)
 
(4,486
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(4,352
)
 
(4,352
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
199,532

 
 
Income tax expense
 
 
 
 
 
 
 
 
(166
)
 
(166
)
 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(42,768
)
 
(42,768
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(5,595
)
 
(5,595
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
151,003

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
12,529

 
$
3,754

 
$
16,283

 
$
59,325

 
$

 
$
75,608

 
 
Net claims and claim expenses incurred – prior accident years
(6,758
)
 
(5,110
)
 
(11,868
)
 
(4,923
)
 
98

 
(16,693
)
 
 
Net claims and claim expenses incurred – total
$
5,771

 
$
(1,356
)
 
$
4,415

 
$
54,402

 
$
98

 
$
58,915

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
7.3
 %
 
20.5
 %
 
8.5
 %
 
61.9
 %
 
 
 
26.4
 %
 
 
Net claims and claim expense ratio – prior accident years
(4.0
)%
 
(27.9
)%
 
(6.2
)%
 
(5.2
)%
 
 
 
(5.8
)%
 
 
Net claims and claim expense ratio – calendar year
3.3
 %
 
(7.4
)%
 
2.3
 %
 
56.7
 %
 
 
 
20.6
 %
 
 
Underwriting expense ratio
17.6
 %
 
38.9
 %
 
19.6
 %
 
41.2
 %
 
 
 
26.6
 %
 
 
Combined ratio
20.9
 %
 
31.5
 %
 
21.9
 %
 
97.9
 %
 
 
 
47.2
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 



Supplemental Financial Data - Segment Information
EXHIBIT 99.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Three months ended June 30, 2014
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
414,748

 
$
16,249

 
$
430,997

 
$
80,543

 
$

 
$
511,540

 
 
Net premiums written
$
258,263

 
$
14,575

 
$
272,838

 
$
73,566

 
$
3

 
$
346,407

 
 
Net premiums earned
$
167,955

 
$
12,341

 
$
180,296

 
$
80,116

 
$
4

 
$
260,416

 
 
Net claims and claim expenses incurred
36,689

 
6,620

 
43,309

 
38,608

 
(529
)
 
81,388

 
 
Acquisition expenses
19,237

 
3,055

 
22,292

 
17,335

 
(6,150
)
 
33,477

 
 
Operational expenses
23,925

 
3,860

 
27,785

 
17,987

 
69

 
45,841

 
 
Underwriting income (loss)
$
88,104

 
$
(1,194
)
 
$
86,910

 
$
6,186

 
$
6,614

 
99,710

 
 
Net investment income
 
 
 
 
 
 
 
 
34,541

 
34,541

 
 
Net foreign exchange gains
 
 
 
 
 
 
 
 
2,392

 
2,392

 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
7,232

 
7,232

 
 
Other loss
 
 
 
 
 
 
 
 
(535
)
 
(535
)
 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
27,128

 
27,128

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(3,895
)
 
(3,895
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(4,351
)
 
(4,351
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
162,222

 
 
Income tax benefit
 
 
 
 
 
 
 
 
204

 
204

 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(36,078
)
 
(36,078
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(5,596
)
 
(5,596
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
120,752

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
38,969

 
$
9,091

 
$
48,060

 
$
50,411

 
$

 
$
98,471

 
 
Net claims and claim expenses incurred – prior accident years
(2,280
)
 
(2,471
)
 
(4,751
)
 
(11,803
)
 
(529
)
 
(17,083
)
 
 
Net claims and claim expenses incurred – total
$
36,689

 
$
6,620

 
$
43,309

 
$
38,608

 
$
(529
)
 
$
81,388

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
23.2
 %
 
73.7
 %
 
26.7
 %
 
62.9
 %
 
 
 
37.8
 %
 
 
Net claims and claim expense ratio – prior accident years
(1.4
)%
 
(20.1
)%
 
(2.7
)%
 
(14.7
)%
 
 
 
(6.5
)%
 
 
Net claims and claim expense ratio – calendar year
21.8
 %
 
53.6
 %
 
24.0
 %
 
48.2
 %
 
 
 
31.3
 %
 
 
Underwriting expense ratio
25.7
 %
 
56.1
 %
 
27.8
 %
 
44.1
 %
 
 
 
30.4
 %
 
 
Combined ratio
47.5
 %
 
109.7
 %
 
51.8
 %
 
92.3
 %
 
 
 
61.7
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Six months ended June 30, 2014
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
904,014

 
$
34,314

 
$
938,328

 
$
278,472

 
$

 
$
1,216,800

 
 
Net premiums written
$
530,367

 
$
26,379

 
$
556,746

 
$
240,005

 
$
3

 
$
796,754

 
 
Net premiums earned
$
340,266

 
$
30,643

 
$
370,909

 
$
176,014

 
$
27

 
$
546,950

 
 
Net claims and claim expenses incurred
42,460

 
5,264

 
47,724

 
93,010

 
(431
)
 
140,303

 
 
Acquisition expenses
27,633

 
6,462

 
34,095

 
39,772

 
(6,690
)
 
67,177

 
 
Operational expenses
45,755

 
7,577

 
53,332

 
34,998

 
135

 
88,465

 
 
Underwriting income
$
224,418

 
$
11,340

 
$
235,758

 
$
8,234

 
$
7,013

 
251,005

 
 
Net investment income
 
 
 
 
 
 
 
 
73,489

 
73,489

 
 
Net foreign exchange gains
 
 
 
 
 
 
 
 
1,331

 
1,331

 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
11,431

 
11,431

 
 
Other loss
 
 
 
 
 
 
 
 
(473
)
 
(473
)
 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
42,055

 
42,055

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(8,381
)
 
(8,381
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(8,703
)
 
(8,703
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
361,754

 
 
Income tax benefit
 
 
 
 
 
 
 
 
38

 
38

 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(78,846
)
 
(78,846
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(11,191
)
 
(11,191
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
271,755

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
51,498

 
$
12,845

 
$
64,343

 
$
109,736

 
$

 
$
174,079

 
 
Net claims and claim expenses incurred – prior accident years
(9,038
)
 
(7,581
)
 
(16,619
)
 
(16,726
)
 
(431
)
 
(33,776
)
 
 
Net claims and claim expenses incurred – total
$
42,460

 
$
5,264

 
$
47,724

 
$
93,010

 
$
(431
)
 
$
140,303

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
15.1
 %
 
41.9
 %
 
17.3
 %
 
62.3
 %
 
 
 
31.8
 %
 
 
Net claims and claim expense ratio – prior accident years
(2.6
)%
 
(24.7
)%
 
(4.4
)%
 
(9.5
)%
 
 
 
(6.1
)%
 
 
Net claims and claim expense ratio – calendar year
12.5
 %
 
17.2
 %
 
12.9
 %
 
52.8
 %
 
 
 
25.7
 %
 
 
Underwriting expense ratio
21.5
 %
 
45.8
 %
 
23.5
 %
 
42.5
 %
 
 
 
28.4
 %
 
 
Combined ratio
34.0
 %
 
63.0
 %
 
36.4
 %
 
95.3
 %
 
 
 
54.1
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 




Supplemental Financial Data - Segment Information
EXHIBIT 99.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Three months ended September 30, 2014
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
73,413

 
$
26,410

 
$
99,823

 
$
101,169

 
$

 
$
200,992

 
 
Net premiums written
$
46,967

 
$
26,177

 
$
73,144

 
$
86,569

 
$

 
$
159,713

 
 
Net premiums earned
$
147,126

 
$
17,984

 
$
165,110

 
$
93,870

 
$
(1
)
 
$
258,979

 
 
Net claims and claim expenses incurred
(1,522
)
 
9,507

 
7,985

 
62,134

 
(472
)
 
69,647

 
 
Acquisition expenses
10,887

 
4,306

 
15,193

 
22,358

 
(1
)
 
37,550

 
 
Operational expenses
25,901

 
3,733

 
29,634

 
17,229

 
109

 
46,972

 
 
Underwriting income (loss)
$
111,860

 
$
438

 
$
112,298

 
$
(7,851
)
 
$
363

 
104,810

 
 
Net investment income
 
 
 
 
 
 
 
 
24,941

 
24,941

 
 
Net foreign exchange gains
 
 
 
 
 
 
 
 
5,036

 
5,036

 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
9,806

 
9,806

 
 
Other loss
 
 
 
 
 
 
 
 
(1,169
)
 
(1,169
)
 
 
Net realized and unrealized losses on investments
 
 
 
 
 
 
 
 
(31,097
)
 
(31,097
)
 
 
Corporate expenses
 
 
 
 
 
 
 
 
(3,845
)
 
(3,845
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(4,350
)
 
(4,350
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
104,132

 
 
Income tax expense
 
 
 
 
 
 
 
 
(245
)
 
(245
)
 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(30,477
)
 
(30,477
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(5,595
)
 
(5,595
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
67,815

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
10,126

 
$
8,539

 
$
18,665

 
$
76,322

 
$

 
$
94,987

 
 
Net claims and claim expenses incurred – prior accident years
(11,648
)
 
968

 
(10,680
)
 
(14,188
)
 
(472
)
 
(25,340
)
 
 
Net claims and claim expenses incurred – total
$
(1,522
)
 
$
9,507

 
$
7,985

 
$
62,134

 
$
(472
)
 
$
69,647

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
6.9
 %
 
47.5
%
 
11.3
 %
 
81.3
 %
 
 
 
36.7
 %
 
 
Net claims and claim expense ratio – prior accident years
(7.9
)%
 
5.4
%
 
(6.5
)%
 
(15.1
)%
 
 
 
(9.8
)%
 
 
Net claims and claim expense ratio – calendar year
(1.0
)%
 
52.9
%
 
4.8
 %
 
66.2
 %
 
 
 
26.9
 %
 
 
Underwriting expense ratio
25.0
 %
 
44.7
%
 
27.2
 %
 
42.2
 %
 
 
 
32.6
 %
 
 
Combined ratio
24.0
 %
 
97.6
%
 
32.0
 %
 
108.4
 %
 
 
 
59.5
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Nine months ended September 30, 2014
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
977,427

 
$
60,724

 
$
1,038,151

 
$
379,641

 
$

 
$
1,417,792

 
 
Net premiums written
$
577,334

 
$
52,556

 
$
629,890

 
$
326,574

 
$
3

 
$
956,467

 
 
Net premiums earned
$
487,392

 
$
48,627

 
$
536,019

 
$
269,884

 
$
26

 
$
805,929

 
 
Net claims and claim expenses incurred
40,938

 
14,771

 
55,709

 
155,144

 
(903
)
 
209,950

 
 
Acquisition expenses
38,520

 
10,768

 
49,288

 
62,130

 
(6,691
)
 
104,727

 
 
Operational expenses
71,656

 
11,310

 
82,966

 
52,227

 
244

 
135,437

 
 
Underwriting income
$
336,278

 
$
11,778

 
$
348,056

 
$
383

 
$
7,376

 
355,815

 
 
Net investment income
 
 
 
 
 
 
 
 
98,430

 
98,430

 
 
Net foreign exchange gains
 
 
 
 
 
 
 
 
6,367

 
6,367

 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
21,237

 
21,237

 
 
Other loss
 
 
 
 
 
 
 
 
(1,642
)
 
(1,642
)
 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
10,958

 
10,958

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(12,226
)
 
(12,226
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(13,053
)
 
(13,053
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
465,886

 
 
Income tax expense
 
 
 
 
 
 
 
 
(207
)
 
(207
)
 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(109,323
)
 
(109,323
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(16,786
)
 
(16,786
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
339,570

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
61,624

 
$
21,384

 
$
83,008

 
$
186,058

 
$

 
$
269,066

 
 
Net claims and claim expenses incurred – prior accident years
(20,686
)
 
(6,613
)
 
(27,299
)
 
(30,914
)
 
(903
)
 
(59,116
)
 
 
Net claims and claim expenses incurred – total
$
40,938

 
$
14,771

 
$
55,709

 
$
155,144

 
$
(903
)
 
$
209,950

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
12.6
 %
 
44.0
 %
 
15.5
 %
 
68.9
 %
 
 
 
33.4
 %
 
 
Net claims and claim expense ratio – prior accident years
(4.2
)%
 
(13.6
)%
 
(5.1
)%
 
(11.4
)%
 
 
 
(7.3
)%
 
 
Net claims and claim expense ratio – calendar year
8.4
 %
 
30.4
 %
 
10.4
 %
 
57.5
 %
 
 
 
26.1
 %
 
 
Underwriting expense ratio
22.6
 %
 
45.4
 %
 
24.7
 %
 
42.4
 %
 
 
 
29.8
 %
 
 
Combined ratio
31.0
 %
 
75.8
 %
 
35.1
 %
 
99.9
 %
 
 
 
55.9
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 




Supplemental Financial Data - Segment Information
EXHIBIT 99.1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Three months ended December 31, 2014
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
11,908

 
$
24,831

 
$
36,739

 
$
95,732

 
$
309

 
$
132,780

 
 
Net premiums written
$
8,687

 
$
23,975

 
$
32,662

 
$
78,766

 
$
341

 
$
111,769

 
 
Net premiums earned
$
140,986

 
$
21,411

 
$
162,397

 
$
93,748

 
$
342

 
$
256,487

 
 
Net claims and claim expenses incurred
(44,024
)
 
4,958

 
(39,066
)
 
32,297

 
(5,234
)
 
(12,003
)
 
 
Acquisition expenses
10,882

 
6,092

 
16,974

 
22,632

 
143

 
39,749

 
 
Operational expenses
30,480

 
4,497

 
34,977

 
20,166

 
59

 
55,202

 
 
Underwriting income
$
143,648

 
$
5,864

 
$
149,512

 
$
18,653

 
$
5,374

 
173,539

 
 
Net investment income
 
 
 
 
 
 
 
 
25,886

 
25,886

 
 
Net foreign exchange losses
 
 
 
 
 
 
 
 
(107
)
 
(107
)
 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
4,838

 
4,838

 
 
Other income
 
 
 
 
 
 
 
 
1,219

 
1,219

 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
30,475

 
30,475

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(10,523
)
 
(10,523
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(4,349
)
 
(4,349
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
220,978

 
 
Income tax expense
 
 
 
 
 
 
 
 
(401
)
 
(401
)
 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(44,215
)
 
(44,215
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(5,595
)
 
(5,595
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
170,767

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
6,605

 
$
14,288

 
$
20,893

 
$
51,786

 
$

 
$
72,679

 
 
Net claims and claim expenses incurred – prior accident years
(50,629
)
 
(9,330
)
 
(59,959
)
 
(19,489
)
 
(5,234
)
 
(84,682
)
 
 
Net claims and claim expenses incurred – total
$
(44,024
)
 
$
4,958

 
$
(39,066
)
 
$
32,297

 
$
(5,234
)
 
$
(12,003
)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
4.7
 %
 
66.7
 %
 
12.9
 %
 
55.2
 %
 
 
 
28.3
 %
 
 
Net claims and claim expense ratio – prior accident years
(35.9
)%
 
(43.5
)%
 
(37.0
)%
 
(20.7
)%
 
 
 
(33.0
)%
 
 
Net claims and claim expense ratio – calendar year
(31.2
)%
 
23.2
 %
 
(24.1
)%
 
34.5
 %
 
 
 
(4.7
)%
 
 
Underwriting expense ratio
29.3
 %
 
49.4
 %
 
32.0
 %
 
45.6
 %
 
 
 
37.0
 %
 
 
Combined ratio
(1.9
)%
 
72.6
 %
 
7.9
 %
 
80.1
 %
 
 
 
32.3
 %
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Property
 
 
 
 
 
 
 
 
Year ended December 31, 2014
Catastrophe
 
Other
Property
 
Total
 
Casualty and Specialty
 
Other
 
Total
 
 
Gross premiums written
$
989,335

 
$
85,555

 
$
1,074,890

 
$
475,373

 
$
309

 
$
1,550,572

 
 
Net premiums written
$
586,021

 
$
76,531

 
$
662,552

 
$
405,340

 
$
344

 
$
1,068,236

 
 
Net premiums earned
$
628,378

 
$
70,038

 
$
698,416

 
$
363,632

 
$
368

 
$
1,062,416

 
 
Net claims and claim expenses incurred
(3,086
)
 
19,729

 
16,643

 
187,441

 
(6,137
)
 
197,947

 
 
Acquisition expenses
49,402

 
16,860

 
66,262

 
84,762

 
(6,548
)
 
144,476

 
 
Operational expenses
102,136

 
15,807

 
117,943

 
72,393

 
303

 
190,639

 
 
Underwriting income
$
479,926

 
$
17,642

 
$
497,568

 
$
19,036

 
$
12,750

 
529,354

 
 
Net investment income
 
 
 
 
 
 
 
 
124,316

 
124,316

 
 
Net foreign exchange gains
 
 
 
 
 
 
 
 
6,260

 
6,260

 
 
Equity in earnings of other ventures
 
 
 
 
 
 
 
 
26,075

 
26,075

 
 
Other loss
 
 
 
 
 
 
 
 
(423
)
 
(423
)
 
 
Net realized and unrealized gains on investments
 
 
 
 
 
 
 
 
41,433

 
41,433

 
 
Corporate expenses
 
 
 
 
 
 
 
 
(22,749
)
 
(22,749
)
 
 
Interest expense
 
 
 
 
 
 
 
 
(17,402
)
 
(17,402
)
 
 
Income before taxes and noncontrolling interests
 
 
 
 
 
 
 
 
 
 
686,864

 
 
Income tax expense
 
 
 
 
 
 
 
 
(608
)
 
(608
)
 
 
Net income attributable to noncontrolling interests
 
 
 
 
 
 
 
 
(153,538
)
 
(153,538
)
 
 
Dividends on preference shares
 
 
 
 
 
 
 
 
(22,381
)
 
(22,381
)
 
 
Net income available to RenaissanceRe common shareholders
 
 
 
 
 
 
 
 
 
 
$
510,337

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expenses incurred – current accident year
$
68,229

 
$
35,672

 
$
103,901

 
$
237,844

 
$

 
$
341,745

 
 
Net claims and claim expenses incurred – prior accident years
(71,315
)
 
(15,943
)
 
(87,258
)
 
(50,403
)
 
(6,137
)
 
(143,798
)
 
 
Net claims and claim expenses incurred – total
$
(3,086
)
 
$
19,729

 
$
16,643

 
$
187,441

 
$
(6,137
)
 
$
197,947

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net claims and claim expense ratio – current accident year
10.9
 %
 
50.9
 %
 
14.9
 %
 
65.4
 %
 
 
 
32.2
 %
 
 
Net claims and claim expense ratio – prior accident years
(11.4
)%
 
(22.7
)%
 
(12.5
)%
 
(13.9
)%
 
 
 
(13.6
)%
 
 
Net claims and claim expense ratio – calendar year
(0.5
)%
 
28.2
 %
 
2.4
 %
 
51.5
 %
 
 
 
18.6
 %
 
 
Underwriting expense ratio
24.1
 %
 
46.6
 %
 
26.4
 %
 
43.3
 %
 
 
 
31.6
 %
 
 
Combined ratio
23.6
 %
 
74.8
 %
 
28.8
 %
 
94.8
 %
 
 
 
50.2
 %