Transcription of Scottish Widows Group
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Scottish Widows Group
Scottish Widows Group is responsible for the maintenance and integrity of the website on which this SFCR and the accompanying auditor s report are published. The legislation in the UK governing the preparation and dissemination of the SFCR may differ from legislation in other jurisdictions. Scottish Widows Group solvency and financial Condition report 31 December 2016 Scottish Widows Group 2 Statement of Directors Responsibilities 4 Independent Auditor s report 5 Summary 11 A. Business and Performance 14 Business 14 Group Profit 19 Underwriting Performance 19 Investment Performance 21 Performance of other activities 22 Any other information 22 B. System of Governance 26 General information on the system of governance 26 Fit and proper requirements 43 Risk management system including the own risk and solvency assessment 44 Internal control system 52 Internal audit function 54 Actuarial function 56 Outsourcing 57 Any other information 60 C.
SCOTTISH WIDOWS GROUP 4 Statement of Directors’ Responsibilities This Solvency and Financial Condition Report (‘SFCR’) presents information in …
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