2009 Annual Report
Lloyd’s achieved a record profit of £3,868m and a combined ratio of 86.1%. This was a strong performance during challenging economic conditions and reflects ongoing underwriting discipline, a recovery of confidence in financial markets and an absence of severe catastrophe losses.
2009 Annual Report - full document
Download '2009 Annual Report' (6MB, pdf)
2009 Aggregate Accounts
Download '2009 Aggregate Accounts' (670KB, pdf)
To order a printed version of the Lloyd's Annual Report 2009, email your name and address to marketing@lloyds.com. The report will be available from 10 April 2010.
2009 Annual Report - sections
Welcome to Lloyd's
Includes Lloyd's Chairman's statement, information about Lloyd's and how we work.
Download 'Welcome to Lloyd's (2.8MB, pdf)
Strategic overview
Richard Ward introduces the strategy section, which includes a business environment overview, Lloyd's strategic priorities, key performance indicators, risk management, people strategy and corporate responsibility.
Download 'Strategic overview' (875KB, pdf)
Market performance
Includes 2009 performance review and commentary on the results of the seven major classes of business and a section on the risk and uncertainties within Lloyd's and how they're managed.
Download ' Market performance' (516KB, pdf)
Market results
This includes the independent auditor's report, the pro forma financial statements and the security underlying policies issued at Lloyd's.
Download 'Market results' (295KB, pdf)
Society report
This includes the consolidated financial statements of the Society of Lloyd's and all of its subsidiary undertakings, the Central Fund and the group's interest in associates.
Download 'Society report' (1MB, pdf)
Appendix - managing agents and syndicates table
This table shows the key characteristics for managing agents and syndicates active as at 31 December 2009.
Download 'Appendix' (208KB, pdf)
Glossary of terms
Insurance related terms used by Lloyd's and market participants.
Download 'Glossary of terms' (147KB)
