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O =& \David Ingram  Director ERM Financial Services'7What Is the Difference Between Risk Management and ERM?88 2 #JFull Benefits of an ERM Program   %K6Standard & Poor s Objective 2      "3Developing A Framework To Systemically Evaluate ERM % ERM & Ratings -,ERM Evaluation  Focus /ERM Evaluation Components )NRisk Management Culture *ORisk Control Processes 2Risk Control Applies to: +PEmerging Risk Management ,Q Risk and Economic Capital Models -RStrategic Risk Management 6ERM Quality Classifications 8Findings to July 200697Summary Of Recent Enhancements To Insurer ERM Criteria "86$:Economic Capital Review  For Insurers with Strong or Excellent ERM Standard & Poor s will develop robust processes for evaluating insurers' internal economic capital models To be performed only for companies with effective ERM Evaluations of economic capital will be used in conjunction with existing static, risk-based measures Dynamic approach will enhance our existing and prospective view of capital adequacy j*0" n]0" n%a ;"Evaluating Economic Capital Models## @Process for Evaluation: Framework of assumptions to review - For each risk - Establish a range for each assumption to be stressed Remote events analyzed, using realistic disaster scenario analysis/tail event stress analysis Model mechanics reviewed and standardized, where possible Testing procedures employed - To evaluate the consistency of one firm s model output for a given set of data with that of its peersd0" n0" n%Eh'LInsurance ERM Key Points  6Y Insurance ERM Evaluation 2U6Risk Control  Investments   3V2Risk Control  Insurance   ?2Risk Control  Operations (MERM Evaluation Process B0ERM Summary Chart  LifeC0ERM Summary Chart  LifeD0ERM Summary Chart  LifeE.ERM Summary Chart  P&CF.ERM Summary Chart  P&CG.ERM Summary Chart  P&CH.ERM Summary Chart  P&C`Z.Enterprise Risk Management: Insurance Ratings ,/.  Insurance ERM Evaluation Criteria on the web at www.erm.standardandpoors.com For further Information Contact: David Ingram +1 212 438 7104PN?/! N >IC 0/L/$ & 789:;<=>?@ABCDEFGI J!K"M$N%O&P'Q(R)S*c+  ` f3ff3>?" dZ@3f?" dx(@3f  @5 d8 p?" dZ@    @@``PX1d    8`np>>     <Y(  < < N??" < B " oC  T Click to edit Master title style! ! < 6$& "T \*. `B < s *D3fjJ">Df> < C NA6sp_logo_pos_2C [Converted]" < 6d&jJ"X,R < 2 $ < 0& "b & RClick to edit Master text styles Second level Third level Fourth level Fifth level!     S   < B3f 1?" 2CONFIDENTIAL AND PROPRIETARY. Permission to reprint or distribute any content from this presentation requires the written approval of Standard & Poor s.<```{```  < H& 1?")g* Y August 2005     H < 0޽h ? !9[f3ff3 SP_PPT_EXTERNAL  @ @a(  @ @ 60& "J 1  & W#Click to edit Master subtitle style$ $ @ 6& " & T Click to edit Master title style! ! @ N??"r @ c <A2004S&PLOGO" @ T?jJ?"f @ 0jJ" @ 6&jJ"   CONFIDENTIAL AND PROPRIETARY. Permission to reprint or distribute any content from this presentation requires the written approval of Standard & Poor s. Copyright (c) 2006 Standard & Poor s, a subsidiary of The McGraw-Hill Companies, Inc. All rights reserved.^@ k@  h  P  @ C A "g8eB @ s *޽h ? !9[f3ff3  0 `|0(  | | 6$Q/jJ ab  / R*   | 6`U/jJ ad  / T*  d | c $ ?XK  / | 60X/jJ  M) / RClick to edit Master text styles Second level Third level Fourth level Fifth level!     S | <x\/jJ Zb  / R*   | <a/jJ Zd  / T*  H | 0.k ? ̙3380___PPT10.(s 0(`( "!    6p;jJ Qpv  ; Z*   60;jJ QV v ; \*   <;jJ Lpq  ; Z*   <;jJ LV q ; \* H  0.k ? ̙3380___PPT10.(s1~ 0 (    0@& ?" L&60Z2 f   N& @ S  &    H/? ?"  -Enterprise Risk Management: Insurance Ratings.Z. H  0޽h ? ̙33___PPT10e+D=' ϐ= @B +!   $p(    s */0e0e     ? A@  A5% 8c8c     ?1 d0u0@Ty2 NP'p<'p<A)BCD|E||S"A  /   Hx/? ?"g4H ,$D  0 BAcross ALL of the significant risks of the Enterprise Consistently across the risks Consistently with the fundamental objectives of the enterprise v50(-   (H  H/? ?"P0,$D  0 pAn ERM Program comprehensively applies Risk Management& P90n<0  6 H  0޽h ? f3ff3___PPT10e+D=' n= @B +v   ~ y q h (  h h Z3a @1?" d h s */0e0e     ? @  5% 8c8c     ?1 d0u0@Ty2 NP'p<'p<A)BCD|E||S"$  / A h H/? ?"@ ,$D  0 Develop and maintain systems to periodically measure the capital needed to support the retained risks of the company Reflect the risk capital in: - Strategic decision making, - Product design and pricing, - Strategic and tactical investment selection - Financial performance evaluation0 50(z h Hĵ/? ?"h,$D  0 BIn addition, an ERM Program will& ,"0n<!  h B@/ 1?" n BnThe product of a fully-realized ERM Program is the optimization of enterprise risk adjusted returno 2;  g gg, 4H h 0޽h ? f3ff3___PPT10e+D=' n= @B +      p> (  p p Z&v @1?"@ p s */0e0e     ? @  5% 8c8c     ?1 d0u0@Ty2 NP'p<'p<A)BCD|E||S"PDh9  / , p Hl/? ?"= ,$D  0 r Previously, only qualitative credit given to risk management practices and models Ultimately, may give some quantitative recognition to risk models, but only where models are robust and underlying risk management framework is sound"50i((  t p Hd/? ?",$D  0  Risk management is at the heart of what Standard & Poor s does. Standard & Poor s assesses insurers risks and how risks are managed.*0n<N3    4   p HD/? ?",$D  0 XObjective: Enhance ratings by increasing our analytical focus on insurers risk management practices @f0n< [  e  H p 0޽h ? f3ff3___PPT10e+D=' ϐ= @B +   %  l (  l~ l s */<W;  /  l N 0  ^"60Z(  l H0? ?" $D  0t`___PPT10@8j___PPTMac11D<   hnamd` Arial&Monotype Typography    hnamd` Arial&Monotype Typography ___PPT9tl A framework to systematically evaluate firms ERM practices to incorporate into ratings A more systematic input into the evaulation of an insurer s risk tolerances Focusing on the specific risks of each insurer These conclusions are incorporated as our ERM category of analysis The ERM evaluation becomes 8th section of our full ratings review X50s{0 s50sXL.  CA>y $  l 0\ 0 ,$D  0 wGeneral S&P ERM Plan:20n< H l 0޽h ? f3ff3___PPT10e+D=' n= @B +   |g(  | | s **00e0e     ? A@  A5% 8c8c     ?1 d0u0@Ty2 NP'p<'p<A)BCD|E||S"2#  0  | N\20  ^"60Z( G | HT40? ?" ,$D  0 5ERM Quality Evaluation is based on the risks of the company Importance of ERM in the company rating is based on: - Capacity to absorb losses - Complexity of risks A insurer with tight capital and complex risks - ERM is very important A insurer with excess capital and ordinary risks - ERM is not as important<40ZAg40n250n2;4  &&FK  IP | C (AbalanceH | 0޽h ? f3ff3___PPT10e+D=' n= @B +Q ~ TL#((  n F ' #"&ro  HZ031?"S V SS  H4`031?" S V SS  Hg01?"  S V SS  Ho01?" S V SS   Hv01?" V SS   H,~01?"E  V SS   HT01?" E  V SS   H0y01?" E  V SS   H01?"E  V SS  H001?" E  V SS  Hp01?" E  V SS  H01?" E  V SS  H(01?" E  V SS  H031?"S  V SS  H4B01?" S  V SS  H01?" S  V SS  H<01?"S  V SS1  H@01?"F ISignificance of Risk Low -------------------------------------- High"J5SS  Ht01?"F V SSB  Ho ?"FFB  B1 ?"B  Ho ?"B  Ho ?"FB  B1 ?"FB  H