D2S3-Nikhil-da-Victoria-Lobo-v1.pdf

1、Operationalising resilience:Integrating prevention and risk reduction across insurance functionsICMIF Resilience and Sustainability Summit,5 November 2025Nikhil da Victoria LoboHead P&C Reinsurance for Western&Southern Europe,Middle East&Africa5 November 2025|ICMIF Resilience&Sustainability SummitTh

2、e role of mutuals in sustainability and resilience 2Enabling resilience:sector-wide challenges&leversLeverage risk expertise to protect communities by actively absorbing their risksGeopolitical tensions,regulatory burden,and reporting complexity divert resources from investment,underwriting opportun

3、ities,and strategic data useEmbed resilience into business-as-usual by integrating it into product design and underwriting,delivering tangible benefits to policyholdersWhy mutuals matter Built on customer and community-driven values Focused on long-term stakeholder value rather than short-term share

4、holder returns Stability is a core strength of the mutual modelUS mutuals grew capital 3%faster per year than stock companies over the past 20 years1Mutuals as drivers of sustainable impact Positioned to lead in sustainable practices and resilience building Unique ability to reinvest in their commun

5、ities Key examples:Latin America,France,ItalySource:Swiss Re Institute5 November 2025|ICMIF Resilience&Sustainability SummitA fresh lens:Scaling resilience beyond innovation3Its not just about innovation its about integrationEmerging product opportunities are real and growingLessons from real market

6、s can shape the way forward Both nascent and established resilience/sustainability solutions exist Industry has experience operationalisingsome areas,e.g.,renewables,infrastructure,nature-based solutions These are critical for risk mitigation and climate adaptation Experienceoffers practical insight