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<br /> Annual Report<br /> 2009<br /> Table of Contents<br /> <br /> <br /> <br /> <br /> <br /> Annual Report 3<br /> Review and Outlook 4<br /> Business Overview 6<br /> Country Cover Practice 12<br /> Loss Management 14<br /> Claims Management 15<br /> Financial Report 18<br /> Risk Management 20<br /> Assessment of Social and Ecological<br /> Sustainability<a title="serv Geschäftsbericht 09, e page 1" href="http://viewer.zmags.com/publication/2be59b28?page=1">Annual Report2009</a> Annual Report2009<a title="serv Geschäftsbericht 09, e page 2" href="http://viewer.zmags.com/publication/2be59b28?page=2">Table of ContentsAnnual Report </a> Table of ContentsAnnual Report <a title="serv Geschäftsbericht 09, e page 3" href="http://viewer.zmags.com/publication/2be59b28?page=3">Annual Report3</a> Annual Report3<a title="serv Geschäftsbericht 09, e page 4" href="http://viewer.zmags.com/publication/2be59b28?page=4">Annual ReportReview and Outlook</a> Annual ReportReview and Outlook<a title="serv Geschäftsbericht 09, e page 5" href="http://viewer.zmags.com/publication/2be59b28?page=5">hworking capital insurance. In addition to the ne</a> hworking capital insurance. In addition to the ne<a title="serv Geschäftsbericht 09, e page 6" href="http://viewer.zmags.com/publication/2be59b28?page=6">Annual ReportBusiness OverviewThe turmo</a> Annual ReportBusiness OverviewThe turmo<a title="serv Geschäftsbericht 09, e page 7" href="http://viewer.zmags.com/publication/2be59b28?page=7">1 New Exposure </a> 1 New Exposure <a title="serv Geschäftsbericht 09, e page 8" href="http://viewer.zmags.com/publication/2be59b28?page=8">Annual ReportThe New SERV Offer: Object</a> Annual ReportThe New SERV Offer: Object<a title="serv Geschäftsbericht 09, e page 9" href="http://viewer.zmags.com/publication/2be59b28?page=9">Complement to the Premium Tarifffor the Four New</a> Complement to the Premium Tarifffor the Four New<a title="serv Geschäftsbericht 09, e page 10" href="http://viewer.zmags.com/publication/2be59b28?page=10">Annual Reporteconomic crisis. The cris</a> Annual Reporteconomic crisis. The cris<a title="serv Geschäftsbericht 09, e page 11" href="http://viewer.zmags.com/publication/2be59b28?page=11">Business Overview3 Engagement by OEC</a> Business Overview3 Engagement by OEC<a title="serv Geschäftsbericht 09, e page 12" href="http://viewer.zmags.com/publication/2be59b28?page=12">Annual ReportCountry Cover PracticeThe I</a> Annual ReportCountry Cover PracticeThe I<a title="serv Geschäftsbericht 09, e page 13" href="http://viewer.zmags.com/publication/2be59b28?page=13">Classification of Countries by OECD Country Catego</a> Classification of Countries by OECD Country Catego<a title="serv Geschäftsbericht 09, e page 14" href="http://viewer.zmags.com/publication/2be59b28?page=14">Annual ReportLoss ManagementArt. 17 et</a> Annual ReportLoss ManagementArt. 17 et<a title="serv Geschäftsbericht 09, e page 15" href="http://viewer.zmags.com/publication/2be59b28?page=15">Claims ManagementIn claims management SERV</a> Claims ManagementIn claims management SERV<a title="serv Geschäftsbericht 09, e page 16" href="http://viewer.zmags.com/publication/2be59b28?page=16">Annual Report2009 Claims or Credit Bala</a> Annual Report2009 Claims or Credit Bala<a title="serv Geschäftsbericht 09, e page 17" href="http://viewer.zmags.com/publication/2be59b28?page=17">justed). The repayments mentioned were included i</a> justed). The repayments mentioned were included i<a title="serv Geschäftsbericht 09, e page 18" href="http://viewer.zmags.com/publication/2be59b28?page=18">Annual ReportFinancial ReportLegal Found</a> Annual ReportFinancial ReportLegal Found<a title="serv Geschäftsbericht 09, e page 19" href="http://viewer.zmags.com/publication/2be59b28?page=19">In accordance with Art. 28 Par. 2 SERVG, SERV is </a> In accordance with Art. 28 Par. 2 SERVG, SERV is <a title="serv Geschäftsbericht 09, e page 20" href="http://viewer.zmags.com/publication/2be59b28?page=20">Annual ReportRisk ManagementFrameworkBe</a> Annual ReportRisk ManagementFrameworkBe<a title="serv Geschäftsbericht 09, e page 21" href="http://viewer.zmags.com/publication/2be59b28?page=21">Operational RisksOperational risks arise through</a> Operational RisksOperational risks arise through<a title="serv Geschäftsbericht 09, e page 22" href="http://viewer.zmags.com/publication/2be59b28?page=22">Annual ReportAssessment of Social and Ecologi</a> Annual ReportAssessment of Social and Ecologi<a title="serv Geschäftsbericht 09, e page 23" href="http://viewer.zmags.com/publication/2be59b28?page=23">In 2009, one transaction was assessed for its com</a> In 2009, one transaction was assessed for its com<a title="serv Geschäftsbericht 09, e page 24" href="http://viewer.zmags.com/publication/2be59b28?page=24">Annual ReportOur Guiding PrinciplesOur A</a> Annual ReportOur Guiding PrinciplesOur A<a title="serv Geschäftsbericht 09, e page 25" href="http://viewer.zmags.com/publication/2be59b28?page=25">OrganisationOrgans of SERV </a> OrganisationOrgans of SERV <a title="serv Geschäftsbericht 09, e page 26" href="http://viewer.zmags.com/publication/2be59b28?page=26">Annual ReportBoard of Directors (BoD)</a> Annual ReportBoard of Directors (BoD)<a title="serv Geschäftsbericht 09, e page 27" href="http://viewer.zmags.com/publication/2be59b28?page=27">premium per case). It handles claims worth betwee</a> premium per case). It handles claims worth betwee<a title="serv Geschäftsbericht 09, e page 28" href="http://viewer.zmags.com/publication/2be59b28?page=28">Annual ReportOrganisational Chart </a> Annual ReportOrganisational Chart <a title="serv Geschäftsbericht 09, e page 29" href="http://viewer.zmags.com/publication/2be59b28?page=29">Framework Conditions of the ConfederationLeg</a> Framework Conditions of the ConfederationLeg<a title="serv Geschäftsbericht 09, e page 30" href="http://viewer.zmags.com/publication/2be59b28?page=30">Annual ReportInternational CooperationCo</a> Annual ReportInternational CooperationCo<a title="serv Geschäftsbericht 09, e page 31" href="http://viewer.zmags.com/publication/2be59b28?page=31">Financial StatementsMüller Mar</a> Financial StatementsMüller Mar<a title="serv Geschäftsbericht 09, e page 32" href="http://viewer.zmags.com/publication/2be59b28?page=32">Financial StatementsIncome Statement10 </a> Financial StatementsIncome Statement10 <a title="serv Geschäftsbericht 09, e page 33" href="http://viewer.zmags.com/publication/2be59b28?page=33">Balance Sheet11 Balance Sheet 31.12.2009 </a> Balance Sheet11 Balance Sheet 31.12.2009 <a title="serv Geschäftsbericht 09, e page 34" href="http://viewer.zmags.com/publication/2be59b28?page=34">Financial StatementsCash Flow Statement</a> Financial StatementsCash Flow Statement<a title="serv Geschäftsbericht 09, e page 35" href="http://viewer.zmags.com/publication/2be59b28?page=35">Segment Accounting14 Income Statement by S</a> Segment Accounting14 Income Statement by S<a title="serv Geschäftsbericht 09, e page 36" href="http://viewer.zmags.com/publication/2be59b28?page=36">Financial Statements15 Balance Sheet </a> Financial Statements15 Balance Sheet <a title="serv Geschäftsbericht 09, e page 37" href="http://viewer.zmags.com/publication/2be59b28?page=37"> Notes on theFinancial Statements</a> Notes on theFinancial Statements<a title="serv Geschäftsbericht 09, e page 38" href="http://viewer.zmags.com/publication/2be59b28?page=38">Notes on the Financial StatementsAccounting P</a> Notes on the Financial StatementsAccounting P<a title="serv Geschäftsbericht 09, e page 39" href="http://viewer.zmags.com/publication/2be59b28?page=39">Balance sheet: The accrual accounting items are r</a> Balance sheet: The accrual accounting items are r<a title="serv Geschäftsbericht 09, e page 40" href="http://viewer.zmags.com/publication/2be59b28?page=40">Notes on the Financial StatementsComments on </a> Notes on the Financial StatementsComments on <a title="serv Geschäftsbericht 09, e page 41" href="http://viewer.zmags.com/publication/2be59b28?page=41">16 Value Adjustment on Claims </a> 16 Value Adjustment on Claims <a title="serv Geschäftsbericht 09, e page 42" href="http://viewer.zmags.com/publication/2be59b28?page=42">Notes on the Financial StatementsOn the</a> Notes on the Financial StatementsOn the<a title="serv Geschäftsbericht 09, e page 43" href="http://viewer.zmags.com/publication/2be59b28?page=43">13) on “Non-personnel expenses” – allocation form</a> 13) on “Non-personnel expenses” – allocation form<a title="serv Geschäftsbericht 09, e page 44" href="http://viewer.zmags.com/publication/2be59b28?page=44">Notes on the Financial StatementsRemuneration</a> Notes on the Financial StatementsRemuneration<a title="serv Geschäftsbericht 09, e page 45" href="http://viewer.zmags.com/publication/2be59b28?page=45">Proof of CapitalThe hcapital of SERV is val</a> Proof of CapitalThe hcapital of SERV is val<a title="serv Geschäftsbericht 09, e page 46" href="http://viewer.zmags.com/publication/2be59b28?page=46">Notes on the Financial StatementsAuditors' Re</a> Notes on the Financial StatementsAuditors' Re<a title="serv Geschäftsbericht 09, e page 47" href="http://viewer.zmags.com/publication/2be59b28?page=47">MiscellaneousStadler Altenrhein</a> MiscellaneousStadler Altenrhein<a title="serv Geschäftsbericht 09, e page 48" href="http://viewer.zmags.com/publication/2be59b28?page=48">MiscellaneousMulti-Year ComparisonEngag</a> MiscellaneousMulti-Year ComparisonEngag<a title="serv Geschäftsbericht 09, e page 49" href="http://viewer.zmags.com/publication/2be59b28?page=49">GlossaryBerne UnionTogether with 50 other p</a> GlossaryBerne UnionTogether with 50 other p<a title="serv Geschäftsbericht 09, e page 50" href="http://viewer.zmags.com/publication/2be59b28?page=50">MiscellaneousExposurehEngagement plus </a> MiscellaneousExposurehEngagement plus <a title="serv Geschäftsbericht 09, e page 51" href="http://viewer.zmags.com/publication/2be59b28?page=51">Projects with broad implicationsSee transactions</a> Projects with broad implicationsSee transactions<a title="serv Geschäftsbericht 09, e page 52" href="http://viewer.zmags.com/publication/2be59b28?page=52">List of AbbreviationsAP Accounting prin</a> List of AbbreviationsAP Accounting prin<a title="serv Geschäftsbericht 09, e page 53" href="http://viewer.zmags.com/publication/2be59b28?page=53">Financial HighlightsExposure in CHF m </a> Financial HighlightsExposure in CHF m <a title="serv Geschäftsbericht 09, e page 54" href="http://viewer.zmags.com/publication/2be59b28?page=54">Publishing Details© Swiss Export Risk </a> Publishing Details© Swiss Export Risk <a title="serv Geschäftsbericht 09, e page 55" href="http://viewer.zmags.com/publication/2be59b28?page=55">SERV is the partner for the insurance ofSwiss ex</a> SERV is the partner for the insurance ofSwiss ex<a title="serv Geschäftsbericht 09, e page 56" href="http://viewer.zmags.com/publication/2be59b28?page=56">SERVSwiss Export Risk Insurance </a> SERVSwiss Export Risk Insurance