Pension Markets in Focus provides detailed and comparable statistics on retirement savings around the world. This annual statistical report contributes to the effort of making data on retirement savings available, as the OECD Core Principles of Private Pension Regulation advocates
Key Finding 1: Risk Managers Focus Concerns on Climate, Cyber, and Financial Volatility Risks A set of 23 risks is presented to the participants, shown with definitions in Appendix I, and they can add an additional risk except for the
De vermogensverdeling is de afgelopen 15 jaar over het geheel genomen relatief constant, maar schever dan eerder gedacht. Data en statistieken over de vermogensverdeling in Nederland zijn goed, maar niet volledig omdat sommige vermogenstitels (nog) niet of onvoldoende in beeld
Al decennialang neemt de levensverwachting toe, zowel in Nederland als in de ons omringende landen. Dit heeft grote impact op de samenleving. Voor pensioenfondsen en levensverzekeraars is inzicht in de ontwikkeling van de levensverwachting belangrijk om een inschatting van de
Climate change is one of the most significant structural force shaping the global economy. Its impact will be substantial and diverse, affecting all economic agents and sectors across the globe. This report compiled by the NGFS group of experts on
Een empirische analyse van de strategieën van doorstromers op de woningmarkt In dit paper bekijken we de manier waarop doorstromers op een lokale markt van woning wisselen, en meer specifiek of ze beginnen met de verkoop van hun oude woning
Pension Survey: Key Findings Well-functioning, affordable and sustainable pension systems are one of the cornerstones of a modern society. Yet with the EU population aged 80 or over projected to more than double between 2017 and 2080, pension systems across
Since 2006 the Global Gender Gap Index has been measuring the extent of gender-based gaps among four key dimensions (Economic Participation and Opportunity, Educational Attainment, Health and Survival, and Political Empowerment) and tracking progress towards closing these gaps over time.
Insight Report 15th Edition In partnership with Marsh & McLennan and Zurich Insurance Group
1. Inleiding In 2013 bracht de SER het rapport Nederlandse economie in stabieler vaarwater uit. Het gevoelen was dat de Nederlandse economie volatieler was dan de ons omringende landen en dat instituties van binnenlandse makelij daar aan bijdroegen. Paragraaf 2 geeft een
Executive summary Both life and non-life insurance penetration rates (1) increased across the European Economic Area (EEA). Conduct issues related to unit-linked, credit life/credit protection insurance and add-on insurance products have become more and more prevalent. Claims management in motor
The coming evolution of claims For many people, filing insurance claims means tedious paperwork and stressful phone calls. It doesn’t have to be that way—and, soon, it won’t. The Next normal looks at how telematics and artificial intelligence will enable faster, easier claims.
Vektis publiceert elk jaar de jaarcijfers over de zorgverzekeraars en de zorgfinanciering. We kijken daarbij naar de ontwikkeling van het aantal zorgverzekeraars. Ook geven we inzicht in het financiële resultaat van de zorgverzekeraars in 2016, 2017 en 2018. Daarbij maken
Buy-to-let is, in de omvang waarin het zich de afgelopen jaren in Nederland heeft voorgedaan, een nieuw verschijnsel. Dat particuliere beleggers op grote schaal koopwoningen kopen om die woningen vervolgens te verhuren, laat zien dat de verhoudingen op de woningmarkt
Background: how ASEAN youths assess technology and the future of work Each year, the World Economic Forum runs a survey of Association of Southeast Asian Nations (ASEAN) youths aged 15–35 years old. The goal is to understand the views, priorities
This inaugural study examining the global cryptoasset regulatory landscape goes a long way towards fulfilling the core mission of the Cambridge Centre for Alterative Finance: informing the operationalisation of technology-enabled financial innovation. Harvesting the potential benefits of innovation in financial
From the newest discoveries in medicine to the latest advances in renewable energy, software is touching every aspect of people’s lives across the globe. Given this, it’s vital that the creators of software are as diverse as the populations that
Perspectives The Fourth Industrial Revolution has brought to the fore technologies such as blockchain, artificial intelligence (AI), robotics and automation, Internet of Things (IoT) and analytics, to name a few. The convergence of these technologies and its effects are already
Public authorities working in the financial sphere have shown an increasing interest for big data. On the supply side, the amount of information at hand has boomed, reflecting not only the internet revolution, but also all the various initiatives launched
Voor de zevende maal op rij organiseerden Berenschot en Sdu (onder meer NDFR, NTFR, Belastingzaken en Loonzaken) het onderzoek Werken in de Fiscaliteit. Het is de enige representatieve studie naar de verschillende aspecten van het werk in de fiscaliteit in
Do borrowers demand less credit from banks with weak balance sheet positions? To answer this question we use novel bank-specific survey data matched with confidential balance sheet information on a large set of euro area banks. We find that, following
Do borrowers demand less credit from banks with weak balance sheet positions? To answer this question we use novel bank-specific survey data matched with confidential balance sheet information on a large set of euro area banks. We find that, following
In this quarterly report we discuss developments in the Dutch housing market and the broader economy. The quarter marked the 10-year anniversary of the bankruptcy filing of Lehman Brothers and the beginning of a credit crisis which resulted in a
Literatuurstudie en consumentenonderzoek Het vorige en ook het huidige kabinet achten ingrijpende wijzigingen in het huidige pensioenstelsel noodzakelijk. Sociale partners en politiek denken daarom na over een nieuw of aangepast pensioenstelsel. Het toestaan van differentiatiemogelijkheden in het pensioenstelsel biedt mogelijkheden
It’s a moment of truth for insurance. Despite a long period of relative stability in the industry and continued overall strengthening of surplus capital, sustainable, profitable growth has been elusive for the majority of carriers. Where we have seen growth
Life insurance is in a slump, and its retirement focused companion product, annuities, is equally challenged to deliver consistent long-term growth for carriers. In a decade’s worth of slow economic growth, the life and annuities (L&A) industry’s mature-market growth has
It is a little over a year since the IFRS 17 standard on insurance contracts was published and the clock began ticking towards implementation, alongside IFRS 9 in many cases, in 2021. At the time of publication, that implementation date
It is a little over a year since the IFRS 17 standard on insurance contracts was published and the clock began ticking towards implementation, alongside IFRS 9 in many cases, in 2021. At the time of publication, that implementation date
It is a little over a year since the IFRS 17 standard on insurance contracts was published and the clock began ticking towards implementation, alongside IFRS 9 in many cases, in 2021. At the time of publication, that implementation date
Welcome to the first KPMG study of corporate reporting in the Netherlands. The study is based on a wider international methodology that KPMG has developed to analyze corporate reports and which resulted in our global study Room for Improvement. Derived
In April 2016, the Basel Committee on Banking Supervision (BCBS) issued Final Standards for IRRBB that replace the 2004 Principles for the management and supervision of interest rate risk. The new standards set out the Committee’s expectations on the management
The purpose of Risk in Focus is to provide a touchpoint for the internal audit profession that helps CAEs to understand how their peers view today’s risk landscape. Working hand-in-hand with boards, audit committees and other stakeholders, internal audit should
The purpose of Risk in Focus is to provide a touchpoint for the internal audit profession that helps CAEs to understand how their peers view today’s risk landscape. Working hand-in-hand with boards, audit committees and other stakeholders, internal audit should
Driven by increases in property and financial and professional lines, global commercial insurance prices increased, on average, in the second quarter of 2018, marking the third consecutive quarter of increases. The market remained fairly stable with prices fluctuating within a
Consistent with the World Economic Forum’s mission of applying a multistakeholder approach to address issues of global impact, creating this report involved extensive outreach and dialogue with numerous organizations and individuals. They included the Forum’s Financial Services, Innovation and Technology
VBA Journaal Voor u ligt het zomernummer van het VBA Journaal. Dit keer heeft de redactie als thema gekozen “Blockchain en Cryptovaluta”. Het laatste jaar gaat er geen week voorbij of er wordt niet over geschreven. Er zijn veel geluiden dat
Imagine a future in which finance can monitor business performance in real time and provide results to stakeholders where and when they need them. Imagine it can close the books in two days and fully explain what drove the results.
Soft controls, oftewel cultuur en gedrag, zijn belangrijk. Ze kunnen een grote impact hebben op een organisatie. Maar hoe doe je soft controls audits? Hoe zorg je ervoor dat je gedrag en cultuur kunt meten en beoordelen? De IIA Young
Het is de sociale partners niet gelukt om voor de deadline van minister Wouter Koolmees te komen tot een akkoord over een nieuw pensioenstelsel. Minister Koolmees heeft de onderhandelende partijen hier meer tijd voor gegeven. Hij vertrouwt erop dat zij
Het is de sociale partners niet gelukt om voor de deadline van minister Wouter Koolmees te komen tot een akkoord over een nieuw pensioenstelsel. Minister Koolmees heeft de onderhandelende partijen hier meer tijd voor gegeven. Hij vertrouwt erop dat zij
Introduction The global financial and monetary system is at a crossroads. A decade after the onset of the global financial crisis, the world economy is showing signs of recovery. Growth in 2017 was broad-based, accelerating in about 75% of all
Abstract Official statistics is now considering seriously big data as a significant data source for producing statistics. It holds the potential for providing faster, cheaper, more detailed and completely new types of statistics. However, the use of big data brings
2018 in vogelvlucht De vastgoedsector heeft de laatste jaren een enorme groei door gemaakt. De investeringsvolumes nemen elk jaar toe en ook buitenlandse beleggers storten zich massaal op de Nederlandse vastgoedmarkt. Banken zitten weer volop in vastgoedfinanciering en de huurprijzen
Voor u ligt het voorjaarsnummer van het VBA Journaal. Dit keer heeft de redactie als thema gekozen “Beleggen om het rendement”. In de huidige lagerenteomgeving wordt het door veel beleggers moeilijker en moeilijker gevonden om assetklassen te vinden die acceptabele
The future of risk management will look dramatically different than the current risk capabilities many are familiar with. Business units will have clear ownership for the risks that they take. Conduct and culture management will be pervasive throughout the organization.
CPB Background Document Safe assets are the cornerstone for modern financial systems. The biggest holders of safe assets are banks (IMF 2012), which need to hold safe assets to meet capital and liquidity requirements (Basel Committee on Banking Supervision, 20131).
CPB Background Document We investigate the major financing components which are used to purchase a house in the Netherlands. This is important to shed more light on the effects of changing lending norms. We look at the full universe of
In dit achtergronddocument bij de Risicorapportage financiële markten 2018 gaan we nader in op recente ontwikkelingen op de Nederlandse woningmarkt. Speciale aandacht gaat uit naar de factoren die huizenprijzen op de korte en lange termijn verklaren en naar de vraag
As the new global leader of EY’s Fraud Investigation & Dispute Services practice, I am delighted to share EY’s 15th Global Fraud Survey. It contains insights from business leaders on the risks and challenges organizations face in fighting fraud and
A Practical Framework for Business Leaders This common sense and practical framework is designed to assist executives in understanding whether blockchain is an appropriate and helpful tool for their business needs. It starts from the premise that blockchain is merely
