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["Office of the Superintendant of Financial Institutions Canada","Bureau du surintendant des institutions financieres Canada"]
["Life Institutions Financial Condition Testing Report (FCT) Data Collection Template"]
["Last updated: 2024/11/08"]
["Instructions"]
["General_Information"]
["Scenario_1"]
["Scenario_2"]
["Scenario_3"]
["Climate_Scenario"]
["Financials"]
["Data Validation"]

{"sheet":"Instructions","index":1,"n_rows":96,"n_cols":1,"rows_kept":96,"cut":false,"hidden":false,"merged":[]}
["Instructions"]
["Purpose"]
["Ensure consistent and complete documentation that helps highlight where follow-up is required."]
["Promotes a consistent focus and provides assistance for significant analytics."]
["Important"]
["Please do not alter this template in any way, including adding/deleting rows or columns. This will help us aggregate the data."]
["This template is to be completed by all Federally Regulated Insurers (FRIs). "]
["Please submit your completed FCT Data Collection Template when the FCT is submitted. If you have already filed your FCT, please submit the FCT Data Collection Template by December 31, 2025."]
["Please click \"Enable Content\" to enable macros when opening the template. Please turn off \"Autosave\". This will allow the build-in data validation rules (explained below) to apply to the template as appropriate. To avoid OSFI's follow-up or potential resubmission, please address all the items in Data Validation tab before submission."]
["The macro runs every time the file is saved and lists data validation issues in the Data Validation tab."]
["All amounts should be in Canadian dollars and expressed in thousands."]
["Cell Formatting"]
["Manual entry"]
["Drop-down list"]
["Do not fill in"]
["Drop Down Lists"]
["To be able to read the drop down lists, you may have to increase the zoom level on the sheet."]
["Instructions"]
["Tab 1:  Instructions"]
["This study worksheet contains the following tabs:"]
["Instructions"]
["General Information"]
["Scenario (1-3), Climate Scenario"]
["Please enter the Top 3 FCT Scenarios by materiality. "]
["Insurers are expected to include a Climate Scenario in the Climate Scenario tab per the expectations outlined in the Canadian Institute of Actuaries 2023 Financial Condition Testing educational note. "]
["If an explicit Climate scenario is not selected as an adverse scenario, please indicate the rationale for the decision in the comments (cell Y6) of the \"Climate Scenario\" tab."]
["If Climate Scenario is one of the top 3 scenarios, please input the details in the Climate Scenario tab, and leave one of Scenario 1, Scenario 2 or Scenario 3 tabs blank."]
["Financials"]
["Drop Down Lists"]
["Please do not add or remove any tabs."]
["Tab 2:  General Information"]
["General Information: Please fill out the information as requested. If approximations are used please provide a description of the approximations used."]
["Expression of Opinion: The date should be selected from the drop down list."]
["Materiality Standard: The materiality should be provided for the current year analysis. The materiality should be expressed as numbers ($000s)."]
["Data, Reliance's and Limitations: If there are unresolved data issues, please describe in the provided cell."]
["Base Scenario: AA is required to report on any material inconsistencies between the base scenario and the business plan. Please refer to SOP Section 2520.17 for details."]
["Peer Review: Please fill out the information as requested."]
["Internal and Operating Capital Targets: This information should be consistent with FCT or ORSA report or other information (such as the FRI's Capital Management Policy). The targets should be expressed as numbers. Put \"Not projected\" for years which falls outside of the FCT projection period."]
["Tab 3-6:  Scenario 1-3, Climate Scenario"]
["AAs are required to investigate solvency and going concern scenarios in the FCT."]
["FRIs are required to report on at least two solvency scenarios and one going concern, but many choose to report on more – either qualitatively in the text or with supporting pro forma financial statements."]
["The objective of the data collection in the “Scenario” tabs is to record data about the 3 material scenarios and a Climate Scenario for which there are pro forma financial statements included in the FCT report."]
["All amounts should be in Canadian dollars and expressed in thousands."]
["General Scenario Information"]
["Scenario Name: This is the name of the scenario appearing in the current FCT report. Leave blank if the tab is not used."]
["Scenario Type: Select from drop down list."]
["Percentile (optional): Select from drop down list. If percentile does not appear in list, select \"Not Stated\" and provide information in Comments column W. Percentile is optional."]
["Risk Category 1: Select risk category tested. If risk category does not appear in drop down list, select \"Not Stated\" and provide information in Comments column W."]
["- Risk Category 2,3,4,5: Applies to integrated scenarios only."]
["- Leave blank if scenario is not an integrated scenario."]
["- Select the second main risk category tested. If risk category does not appear in drop down list, select \"Not Stated\" and provide information in Comments column W."]
["- If more than five risk categories are tested, then provide information of other risk categories tested in Comments column W."]
["* Categories available in the drop down list are based on the FCT Educational Note Appendix A; the complete list is shown on the tab Drop Down Lists."]
["Key Scenario Assumptions (Excluding Ripple Effects): If the key assumptions are not shown as one of the columns, provide information in Comments column W."]
["Enter numerical assumptions in Columns Q-U. Drop-Down Selection is provided in Column V and Comments can be added in column W."]
["All changes to the assumptions are expected to be measured compared to the Base scenario assumptions."]
["For all assumptions, enter the total change as well as the change by jurisdiction. Total change represents the overall change across all jurisdictions which the company operates. "]
["If jurisdiction based assumptions are not available please only fill in the \"Total\" lines for each assumption."]
["Interest Rate - Short Term: Provide change in interest rate, express change in basis points. Provide definition of Short Term in Comments column W."]
["Interest Rate - Medium Term: Provide change in interest rate, express change in basis points. Provide definition of Medium Term in Comments column W."]
["Interest Rate - Long Term : Provide change in interest rate, express change in basis points. Provide definition of Long Term in Comments column W."]
["Interest Rate - Ultimate Discount Rate: Provide change in interest rate, express change in basis points. Provide definition of Ultimate Discount Rate in Comments column W."]
["Inflation Rate: Provide change in inflation, express change in basis points. "]
["Mortality - Insurance Business: Provide percent change in mortality."]
["Mortality - Annuity Business: Provide percent change in mortality."]
["Morbidity - Increase of incidence rates: Provide percent change in morbidity incidence rates."]
["Morbidity - Decrease of claim termination: Provide percent change in morbidity claim termination rates."]
["Equity Market: Provide percent change in equity markets."]
["Real Estate: Provide percent change in real estate markets."]
["Asset Default: Provide percent change in asset defaults."]
["Other Asset Shocks: Provide percent change in Other asset shocks. Provide description of shock in Comments column W."]
["Persistency/Lapse: Provide percent change in lapse assumptions. "]
["New Business: Provide percent change in new business assumptions."]
["Expenses: Provide percent change in expenses."]
["Other Risk Shocks: Provide numerical assumptions in columns Q-U. Provide description of shock in Comments column W."]
["Reinsurance Failure: Select from drop down list. Provide percentage of reinsurance failure."]
["Technology and Cyber: Select driver(s) from drop-down list, if driver does not appear in drop down list, select \"Other\" and provide information in Comments column W. Select driver(s) by materiality. If driver applies to all regions, select driver from the \"Total\" row."]
["Operational: Select driver(s) from drop-down list, if driver does not appear in drop down list, select \"Other\" and provide information in Comments column W. Select driver(s) by materiality. If driver applies to all regions, select driver from the \"Total\" row."]
["Management Actions: If management action(s) taken not shown as one of the columns, provide information in Comments column W. Select \"None\" if no management action taken."]
["Product Repricing or Adjustments: Select from drop down list."]
["Reducing or Suspending Dividends: Select from drop down list."]
["Raising Capital, Reducing Capital Transfer, Share Buyback: Select from drop down list."]
["Expense Reductions: Select from drop down list."]
["Other Routine Management Actions: Select from drop down list, if management action does not appear in list, select \"Other\" and provide information in Comments column W. Select \"None\" if no management action taken."]
["1st, 2nd, 3rd Corrective Management Action: Select from drop down list, if management action does not appear in list, select \"Other\" and provide information in Comments column W. Select \"None\" if no management action taken. On a best-efforts basis, please provide quantitative impacts for management actions in column Q-U."]
["Comments: Including additional information to aid understanding of scenarios, scenario results, and management actions."]
["Tab 7:  Financials"]
["Base Scenario Financial Information: Please provide the amount of financial information in each cell where applicable. Put \"Not projected\" for years which falls outside of the FCT projection period or for values that are not seperately projected. Put \"0\" if no business."]
["Adverse Scenario Financial Information without Corrective Management Action (Row 21 onwards): Name of scenarios will appear automatically when you fill out FCT Scenario tabs. \"Not Used\" will be displayed otherwise."]
["- Please provide the amount of financial information in each cell where applicable. Put \"Not projected\" for years which falls outside of the FCT projection period or for values that are not seperately projected. Put \"0\" if no business."]
["All amounts should be in Canadian dollars and expressed in thousands."]
["Impact on Net Income: If the information is presented in the FCT report, please provide dollar amount impact of risk drivers on net income, express change in thousands. Put \"Not projected\" for years which falls outside of the FCT projection period or for values that are not seperately projected. Put \"0\" if no impact. Approximations are acceptable."]
["Impact on LICAT/LIMAT Ratio Impact: If the information is presented in the FCT report, please provide percent change impact of risk drivers on LICAT/LIMAT ratio. Put \"Not projected\" for years which falls outside of the FCT projection period or for values that are not seperately projected. Put \"0\" if no impact. Approximations are acceptable. "]
["Impact by Jurisdiction: If the information is presented in the FCT report, please provide percent change impact by jurisdiction on LICAT/LIMAT ratio. Put \"Not projected\" for years which falls outside of the FCT projection period or for values that are not seperately projected. Put \"0\" if no impact. Approximations are acceptable."]
["Tab 8:  Data Validation"]
["This tab provides a list of the data issues in the template based on the build-in data validation rules. To avoid OSFI's follow-up or potential re-submission, please address all the items in Data Validation tab before submission. Please do not alter this template in any way, including adding/deleting rows or columns."]

{"sheet":"General_Information","index":2,"n_rows":86,"n_cols":6,"rows_kept":86,"cut":false,"hidden":false,"merged":[]}
["dpa","category","description","sub_description","entry_type","value"]
["10000101","General Information","Institution's Name",null,"manual"]
["10000201","General Information","OSFI's Institution Code",null,"manual"]
["10000301","General Information","Contact Person",null,"manual"]
["10000401","General Information","Contact Phone Number",null,"manual"]
["10000501","General Information","Contact Email Address",null,"manual"]
["10000601","General Information","Company/Branch",null,"drop-down"]
["10000701","General Information","Insurer/Reinsurer",null,"drop-down"]
["10000801","General Information","Individual/Group/Wealth/Multi-line",null,"drop-down"]
["10000901","General Information","Fraternal/Non-fraternal",null,"drop-down"]
["10001001","General Information","Operations outside of Canada",null,"drop-down"]
["10001101","General Information","Appointed Actuary (AA)",null,"manual"]
["10001201","General Information","If the AA is external, provide name of consulting firm",null,"manual"]
["10001301","General Information","Has the AA changed since the last FCT report",null,"drop-down"]
["10001401","General Information","FCT first year of projection",null,"drop-down",2025]
["10001501","Expression of Opinion","Expression of Opinion Date","Day","drop-down"]
["10001502","Expression of Opinion","Expression of Opinion Date","Month","drop-down"]
["10001503","Expression of Opinion","Expression of Opinion Date","Year","drop-down"]
["10001601","Expression of Opinion","(Future) financial condition of the company is, Satisfactory/Satisfactory Subject to/ Not Satisfactory",null,"drop-down"]
["10001701","Materiality Standard","External Auditor's (EA) ($000s)",null,"manual"]
["10001801","Materiality Standard","AAR ($000s)",null,"manual"]
["10001901","Materiality Standard","FCT ($000s)",null,"manual"]
["10002001","Data, Reliances and Limitations","Are there any unresolved data issues",null,"drop-down"]
["10002101","Data, Reliances and Limitations","If yes, provide details",null,"manual"]
["10002201","Base Scenario","If the FCT report was presented to the board of directors/chief agent in the second half of the financial year, does it include material changes in experience and in financial position up to the period of 90 days before the date of presentation?",null,"drop-down"]
["10002301","Base Scenario","Is there any material change at FRFI that would affect FCT base scenario",null,"drop-down"]
["10002401","Base Scenario","If yes, does the base scenario reflect the significant change appropriately? (if no material change at FRFI that would affect FCT base scenario, select not applicable)",null,"drop-down"]
["10002501","Base Scenario","Briefly describe change(s)",null,"manual"]
["10002601","Peer Review","Name of Peer Reviewer",null,"manual"]
["10002701","Peer Review","Name of Consulting Firm",null,"manual"]
["10002801","Peer Review","Limited or full review",null,"drop-down"]
[10004301,"Peer Review","If limited review, which year was the last full review? (if full review, select not applicable)",null,"drop-down"]
[10002901,"Peer Review","Pre-release or post-release review",null,"drop-down"]
[10003001,"Peer Review","Did the Peer Reviewer make recommendations?",null,"drop-down"]
[10003101,"Peer Review","Were recommendations significant?",null,"drop-down"]
[10003201,"Peer Review","If pre-release, were recommendations addressed by AA in the current FCT? (if post-release, select not applicable)",null,"drop-down"]
[10003301,"Internal and Operating Capital Targets","Did the internal capital target(s) change from that used in the prior year's FCT analysis?",null,"drop-down"]
[10003401,"Internal and Operating Capital Targets","Core Internal Target","Actual_2023","manual"]
[10003402,"Internal and Operating Capital Targets","Core Internal Target","Projected_2024","manual"]
[10003403,"Internal and Operating Capital Targets","Core Internal Target","Projected_2025","manual"]
[10003404,"Internal and Operating Capital Targets","Core Internal Target","Projected_2026","manual"]
[10003405,"Internal and Operating Capital Targets","Core Internal Target","Projected_2027","manual"]
[10003406,"Internal and Operating Capital Targets","Core Internal Target","Projected_2028","manual"]
[10003501,"Internal and Operating Capital Targets","Total Internal Target","Actual_2023","manual"]
[10003502,"Internal and Operating Capital Targets","Total Internal Target","Projected_2024","manual"]
[10003503,"Internal and Operating Capital Targets","Total Internal Target","Projected_2025","manual"]
[10003504,"Internal and Operating Capital Targets","Total Internal Target","Projected_2026","manual"]
[10003505,"Internal and Operating Capital Targets","Total Internal Target","Projected_2027","manual"]
[10003506,"Internal and Operating Capital Targets","Total Internal Target","Projected_2028","manual"]
["10003601","Internal and Operating Capital Targets","Core Operating Target","Actual_2023","manual"]
["10003602","Internal and Operating Capital Targets","Core Operating Target","Projected_2024","manual"]
["10003603","Internal and Operating Capital Targets","Core Operating Target","Projected_2025","manual"]
["10003604","Internal and Operating Capital Targets","Core Operating Target","Projected_2026","manual"]
["10003605","Internal and Operating Capital Targets","Core Operating Target","Projected_2027","manual"]
["10003606","Internal and Operating Capital Targets","Core Operating Target","Projected_2028","manual"]
["10003701","Internal and Operating Capital Targets","Core Operating Range - Lower Bound","Actual_2023","manual"]
["10003702","Internal and Operating Capital Targets","Core Operating Range - Lower Bound","Projected_2024","manual"]
["10003703","Internal and Operating Capital Targets","Core Operating Range - Lower Bound","Projected_2025","manual"]
["10003704","Internal and Operating Capital Targets","Core Operating Range - Lower Bound","Projected_2026","manual"]
["10003705","Internal and Operating Capital Targets","Core Operating Range - Lower Bound","Projected_2027","manual"]
["10003706","Internal and Operating Capital Targets","Core Operating Range - Lower Bound","Projected_2028","manual"]
["10003801","Internal and Operating Capital Targets","Core Operating Range - Upper Bound","Actual_2023","manual"]
["10003802","Internal and Operating Capital Targets","Core Operating Range - Upper Bound","Projected_2024","manual"]
["10003803","Internal and Operating Capital Targets","Core Operating Range - Upper Bound","Projected_2025","manual"]
["10003804","Internal and Operating Capital Targets","Core Operating Range - Upper Bound","Projected_2026","manual"]
["10003805","Internal and Operating Capital Targets","Core Operating Range - Upper Bound","Projected_2027","manual"]
["10003806","Internal and Operating Capital Targets","Core Operating Range - Upper Bound","Projected_2028","manual"]
["10003901","Internal and Operating Capital Targets","Total Operating Target","Actual_2023","manual"]
["10003902","Internal and Operating Capital Targets","Total Operating Target","Projected_2024","manual"]
["10003903","Internal and Operating Capital Targets","Total Operating Target","Projected_2025","manual"]
["10003904","Internal and Operating Capital Targets","Total Operating Target","Projected_2026","manual"]
["10003905","Internal and Operating Capital Targets","Total Operating Target","Projected_2027","manual"]
["10003906","Internal and Operating Capital Targets","Total Operating Target","Projected_2028","manual"]
["10004001","Internal and Operating Capital Targets","Total Operating Range - Lower Bound","Actual_2023","manual"]
["10004002","Internal and Operating Capital Targets","Total Operating Range - Lower Bound","Projected_2024","manual"]
["10004003","Internal and Operating Capital Targets","Total Operating Range - Lower Bound","Projected_2025","manual"]
["10004004","Internal and Operating Capital Targets","Total Operating Range - Lower Bound","Projected_2026","manual"]
["10004005","Internal and Operating Capital Targets","Total Operating Range - Lower Bound","Projected_2027","manual"]
["10004006","Internal and Operating Capital Targets","Total Operating Range - Lower Bound","Projected_2028","manual"]
["10004101","Internal and Operating Capital Targets","Total Operating Range - Upper Bound","Actual_2023","manual"]
["10004102","Internal and Operating Capital Targets","Total Operating Range - Upper Bound","Projected_2024","manual"]
["10004103","Internal and Operating Capital Targets","Total Operating Range - Upper Bound","Projected_2025","manual"]
["10004104","Internal and Operating Capital Targets","Total Operating Range - Upper Bound","Projected_2026","manual"]
["10004105","Internal and Operating Capital Targets","Total Operating Range - Upper Bound","Projected_2027","manual"]
["10004106","Internal and Operating Capital Targets","Total Operating Range - Upper Bound","Projected_2028","manual"]
[10004201,"Internal and Operating Capital Targets","If insurer has not established an operating capital target/range, please provide reason(s)",null,"manual"]

{"sheet":"Scenario_1","index":3,"n_rows":139,"n_cols":23,"rows_kept":139,"cut":false,"hidden":false,"merged":[]}
["dpa","scenario_number","scenario_name","scenario_type","percentile","risk_category_1","risk_category_2","risk_category_3","risk_category_4","risk_category_5","category","economic_assumption","assumption_breakdown","region","entry_type","reporting_year","projection_value_year0","projection_value_year1","projection_value_year2","projection_value_year3","projection_value_year4","dropdown_value","comments"]
["200011",1,null,null,null,null,null,null,null,null,"Interest Rate","Interest Rate - Short Term (Basis Point Change)",null,"Canada","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200012",{"$f":"$B$2","v":1},{"$f":"IF(C$2=\"\",\"\",C$2)","v":""},{"$f":"IF(D$2=\"\",\"\",D$2)","v":""},"","","","","","","Interest Rate","Interest Rate - Short Term (Basis Point Change)",null,"USA","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200013",{"$f":"$B$2","v":1},{"$f":"IF($C$2=\"\",\"\",$C$2)","v":""},"","","","","","","","Interest Rate","Interest Rate - Short Term (Basis Point Change)",null,"Europe","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200014",1,"","","","","","","","","Interest Rate","Interest Rate - Short Term (Basis Point Change)",null,"Asia","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200015",1,"","","","","","","","","Interest Rate","Interest Rate - Short Term (Basis Point Change)",null,"Total","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200016",1,"","","","","","","","","Interest Rate","Interest Rate - Medium Term (Basis Point Change)",null,"Canada","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200017",1,"","","","","","","","","Interest Rate","Interest Rate - Medium Term (Basis Point Change)",null,"USA","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200018",1,"","","","","","","","","Interest Rate","Interest Rate - Medium Term (Basis Point Change)",null,"Europe","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200019",1,"","","","","","","","","Interest Rate","Interest Rate - Medium Term (Basis Point Change)",null,"Asia","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200020",1,"","","","","","","","","Interest Rate","Interest Rate - Medium Term (Basis Point Change)",null,"Total","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200021",1,"","","","","","","","","Interest Rate","Interest Rate - Long Term (Basis Point Change)",null,"Canada","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200022",1,"","","","","","","","","Interest Rate","Interest Rate - Long Term (Basis Point Change)",null,"USA","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200023",1,"","","","","","","","","Interest Rate","Interest Rate - Long Term (Basis Point Change)",null,"Europe","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200024",1,"","","","","","","","","Interest Rate","Interest Rate - Long Term (Basis Point Change)",null,"Asia","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200025",1,"","","","","","","","","Interest Rate","Interest Rate - Long Term (Basis Point Change)",null,"Total","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200026",1,"","","","","","","","","Interest Rate","Ultimate Discount Rate (Basis Point Change)",null,"Canada","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200027",1,"","","","","","","","","Interest Rate","Ultimate Discount Rate (Basis Point Change)",null,"USA","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200028",1,"",{"$f":"IF(D$2=\"\",\"\",D$2)","v":""},"","","","","","","Interest Rate","Ultimate Discount Rate (Basis Point Change)",null,"Europe","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200029",1,"","","","","","","","","Interest Rate","Ultimate Discount Rate (Basis Point Change)",null,"Asia","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200030",1,"","","","","","","","","Interest Rate","Ultimate Discount Rate (Basis Point Change)",null,"Total","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200031",1,"","","","","","","","","Inflation","Inflation Rate (Basis Point Change)",null,"Canada","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200032",1,"","","","","","","","","Inflation","Inflation Rate (Basis Point Change)",null,"USA","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200033",1,"","","","","","","","","Inflation","Inflation Rate (Basis Point Change)",null,"Europe","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200034",1,"","","","","","","","","Inflation","Inflation Rate (Basis Point Change)",null,"Asia","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200035",1,"","","","","","","","","Inflation","Inflation Rate (Basis Point Change)",null,"Total","decimal",{"$f":"General_Information!$F$15","v":2025}]
["200036",1,"","","","","","","","","Mortality","Mortality -  insurance business (% Change)",null,"Canada","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200037",1,"","","","","","","","","Mortality","Mortality -  insurance business (% Change)",null,"USA","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200038",1,"","","","","","","","","Mortality","Mortality -  insurance business (% Change)",null,"Europe","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200039",1,"","","","","","","","","Mortality","Mortality -  insurance business (% Change)",null,"Asia","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200040",1,"","","","","","","","","Mortality","Mortality -  insurance business (% Change)",null,"Total","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200041",1,"","","","","","","","","Mortality","Mortality -  annuity business (% Change)",null,"Canada","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200042",1,"","","","","","","","","Mortality","Mortality -  annuity business (% Change)",null,"USA","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200043",1,"","","","","","","","","Mortality","Mortality -  annuity business (% Change)",null,"Europe","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200044",1,"","","","","","","","","Mortality","Mortality -  annuity business (% Change)",null,"Asia","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200045",1,"","","","","","","","","Mortality","Mortality -  annuity business (% Change)",null,"Total","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200046",1,"","","","","","","","","Morbidity","Morbidity - increase of incidence rates (% Change)",null,"Canada","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200047",1,"","","","","","","","","Morbidity","Morbidity - increase of incidence rates (% Change)",null,"USA","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200048",1,"","","","","","","","","Morbidity","Morbidity - increase of incidence rates (% Change)",null,"Europe","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200049",1,"","","","","","","","","Morbidity","Morbidity - increase of incidence rates (% Change)",null,"Asia","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200050",1,"","","","","","","","","Morbidity","Morbidity - increase of incidence rates (% Change)",null,"Total","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200051",1,"","","","","","","","","Morbidity","Morbidity - decrease of claim termination (% Change)",null,"Canada","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200052",1,"","","","","","","","","Morbidity","Morbidity - decrease of claim termination (% Change)",null,"USA","percentage",{"$f":"General_Information!$F$15","v":2025}]
["200053",1,"","","","","","","","","Morbidity","Morbidity - decrease of claim termination (% Change)",null,"Europe","percentage",{"$f":"General_Information!$F$15","v":2025}]
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[600054,"Impact on Net Income ($000s)","Total",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025},{"$f":"_xlfn.IFS(ISBLANK(F$26)+ISBLANK(F$7), \"\", (LOWER(F$26)=\"not projected\")+(LOWER(F$7)=\"not projected\"),\"Not projected\", TRUE, F$26-F$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(G$26)+ISBLANK(G$7), \"\", (LOWER(G$26)=\"not projected\")+(LOWER(G$7)=\"not projected\"),\"Not projected\", TRUE, G$26-G$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(H$26)+ISBLANK(H$7), \"\", (LOWER(H$26)=\"not projected\")+(LOWER(H$7)=\"not projected\"),\"Not projected\", TRUE, H$26-H$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(I$26)+ISBLANK(I$7), \"\", (LOWER(I$26)=\"not projected\")+(LOWER(I$7)=\"not projected\"),\"Not projected\", TRUE, I$26-I$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(J$26)+ISBLANK(J$7), \"\", (LOWER(J$26)=\"not projected\")+(LOWER(J$7)=\"not projected\"),\"Not projected\", TRUE, J$26-J$7)","v":""}]
[600055,"Impact on LICAT/LIMAT Ratio (%)","Interest Rate",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600056,"Impact on LICAT/LIMAT Ratio (%)","Inflation",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600057,"Impact on LICAT/LIMAT Ratio (%)","Mortality",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600058,"Impact on LICAT/LIMAT Ratio (%)","Morbidity",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600059,"Impact on LICAT/LIMAT Ratio (%)","Equity",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600060,"Impact on LICAT/LIMAT Ratio (%)","Real Estate ",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600061,"Impact on LICAT/LIMAT Ratio (%)","Asset Default",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600062,"Impact on LICAT/LIMAT Ratio (%)","Other Asset Shocks",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600063,"Impact on LICAT/LIMAT Ratio (%)","Persistency / Lapse",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600064,"Impact on LICAT/LIMAT Ratio (%)","New Business",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600065,"Impact on LICAT/LIMAT Ratio (%)","Expenses",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600066,"Impact on LICAT/LIMAT Ratio (%)","Expenses",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600067,"Impact on LICAT/LIMAT Ratio (%)","Technology and Cyber",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600068,"Impact on LICAT/LIMAT Ratio (%)","Operational",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600069,"Impact on LICAT/LIMAT Ratio (%)","Other",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600070,"Impact on LICAT/LIMAT Ratio (%)","Total",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025},{"$f":"_xlfn.IFS(ISBLANK(F$39)+ISBLANK(F$20), \"\", (LOWER(F$39)=\"not projected\")+(LOWER(F$20)=\"not projected\"),\"Not projected\", TRUE, F$39-F$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(G$39)+ISBLANK(G$20), \"\", (LOWER(G$39)=\"not projected\")+(LOWER(G$20)=\"not projected\"),\"Not projected\", TRUE, G$39-G$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(H$39)+ISBLANK(H$20), \"\", (LOWER(H$39)=\"not projected\")+(LOWER(H$20)=\"not projected\"),\"Not projected\", TRUE, H$39-H$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(I$39)+ISBLANK(I$20), \"\", (LOWER(I$39)=\"not projected\")+(LOWER(I$20)=\"not projected\"),\"Not projected\", TRUE, I$39-I$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(J$39)+ISBLANK(J$20), \"\", (LOWER(J$39)=\"not projected\")+(LOWER(J$20)=\"not projected\"),\"Not projected\", TRUE, J$39-J$20)","v":""}]
[600071,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Canada",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600072,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","USA",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600073,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Europe",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600074,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Asia",{"$f":"Scenario_1!$B$2&\". \"&IF(Scenario_1!$C$2=\"\",\"Not Used\",Scenario_1!$C$2)","v":"1. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600075,"Assets (or Invested in Trust for Foreign Branches)","Segregated Fund Net Assets",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600076,"Assets (or Invested in Trust for Foreign Branches)","Total Assets ",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600077,"Liabilities and Equity","Total Liabilities ",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600078,"Liabilities and Equity","Retained Earnings",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600079,"Liabilities and Equity","Total Equity",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600080,"Income","Net Income",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600081,"Income","Total Comprehensive Income (Loss)",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600082,"Other","CSM",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600083,"Other","DTA Temporary",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600084,"Other","Tier 1 Deductions",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600085,"Other","Tier 1 Capital",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600086,"Other","Tier 2 Deductions",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600087,"Other","Tier 2 Capital",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600088,"Other","Available Capital / Available Margin",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600089,"Other","Surplus Allowance",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600090,"Other","Eligible Deposits",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600091,"Other","LICAT Base Solvency Buffer / LIMAT Required Margin",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600092,"Other","LICAT/LIMAT Ratios, Core Ratio (%)",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600093,"Other","LICAT/LIMAT Ratios, Total Ratio (%)",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600094,"Impact on Net Income ($000s)","Interest Rate",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600095,"Impact on Net Income ($000s)","Inflation",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600096,"Impact on Net Income ($000s)","Mortality",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600097,"Impact on Net Income ($000s)","Morbidity",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600098,"Impact on Net Income ($000s)","Equity",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600099,"Impact on Net Income ($000s)","Real Estate ",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600100,"Impact on Net Income ($000s)","Asset Default",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600101,"Impact on Net Income ($000s)","Other Asset Shocks",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600102,"Impact on Net Income ($000s)","Persistency / Lapse",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600103,"Impact on Net Income ($000s)","New Business",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600104,"Impact on Net Income ($000s)","Expenses",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600105,"Impact on Net Income ($000s)","Expenses",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600106,"Impact on Net Income ($000s)","Technology and Cyber",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600107,"Impact on Net Income ($000s)","Operational",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600108,"Impact on Net Income ($000s)","Other",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600109,"Impact on Net Income ($000s)","Total",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025},{"$f":"_xlfn.IFS(ISBLANK(F$81)+ISBLANK(F$7), \"\", (LOWER(F$81)=\"not projected\")+(LOWER(F$7)=\"not projected\"),\"Not projected\", TRUE, F$81-F$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(G$81)+ISBLANK(G$7), \"\", (LOWER(G$81)=\"not projected\")+(LOWER(G$7)=\"not projected\"),\"Not projected\", TRUE, G$81-G$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(H$81)+ISBLANK(H$7), \"\", (LOWER(H$81)=\"not projected\")+(LOWER(H$7)=\"not projected\"),\"Not projected\", TRUE, H$81-H$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(I$81)+ISBLANK(I$7), \"\", (LOWER(I$81)=\"not projected\")+(LOWER(I$7)=\"not projected\"),\"Not projected\", TRUE, I$81-I$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(J$81)+ISBLANK(J$7), \"\", (LOWER(J$81)=\"not projected\")+(LOWER(J$7)=\"not projected\"),\"Not projected\", TRUE, J$81-J$7)","v":""}]
[600110,"Impact on LICAT/LIMAT Ratio (%)","Interest Rate",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600111,"Impact on LICAT/LIMAT Ratio (%)","Inflation",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600112,"Impact on LICAT/LIMAT Ratio (%)","Mortality",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600113,"Impact on LICAT/LIMAT Ratio (%)","Morbidity",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600114,"Impact on LICAT/LIMAT Ratio (%)","Equity",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600115,"Impact on LICAT/LIMAT Ratio (%)","Real Estate ",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600116,"Impact on LICAT/LIMAT Ratio (%)","Asset Default",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600117,"Impact on LICAT/LIMAT Ratio (%)","Other Asset Shocks",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600118,"Impact on LICAT/LIMAT Ratio (%)","Persistency / Lapse",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600119,"Impact on LICAT/LIMAT Ratio (%)","New Business",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600120,"Impact on LICAT/LIMAT Ratio (%)","Expenses",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600121,"Impact on LICAT/LIMAT Ratio (%)","Expenses",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600122,"Impact on LICAT/LIMAT Ratio (%)","Technology and Cyber",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600123,"Impact on LICAT/LIMAT Ratio (%)","Operational",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600124,"Impact on LICAT/LIMAT Ratio (%)","Other",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600125,"Impact on LICAT/LIMAT Ratio (%)","Total",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025},{"$f":"_xlfn.IFS(ISBLANK(F$94)+ISBLANK(F$20), \"\", (LOWER(F$94)=\"not projected\")+(LOWER(F$20)=\"not projected\"),\"Not projected\", TRUE, F$94-F$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(G$94)+ISBLANK(G$20), \"\", (LOWER(G$94)=\"not projected\")+(LOWER(G$20)=\"not projected\"),\"Not projected\", TRUE, G$94-G$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(H$94)+ISBLANK(H$20), \"\", (LOWER(H$94)=\"not projected\")+(LOWER(H$20)=\"not projected\"),\"Not projected\", TRUE, H$94-H$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(I$94)+ISBLANK(I$20), \"\", (LOWER(I$94)=\"not projected\")+(LOWER(I$20)=\"not projected\"),\"Not projected\", TRUE, I$94-I$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(J$94)+ISBLANK(J$20), \"\", (LOWER(J$94)=\"not projected\")+(LOWER(J$20)=\"not projected\"),\"Not projected\", TRUE, J$94-J$20)","v":""}]
[600126,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Canada",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600127,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","USA",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600128,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Europe",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600129,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Asia",{"$f":"Scenario_2!$B$2&\". \"&IF(Scenario_2!$C$2=\"\",\"Not Used\",Scenario_2!$C$2)","v":"2. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600130,"Assets (or Invested in Trust for Foreign Branches)","Segregated Fund Net Assets",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600131,"Assets (or Invested in Trust for Foreign Branches)","Total Assets ",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600132,"Liabilities and Equity","Total Liabilities ",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600133,"Liabilities and Equity","Retained Earnings",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600134,"Liabilities and Equity","Total Equity",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600135,"Income","Net Income",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600136,"Income","Total Comprehensive Income (Loss)",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600137,"Other","CSM",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600138,"Other","DTA Temporary",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600139,"Other","Tier 1 Deductions",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600140,"Other","Tier 1 Capital",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600141,"Other","Tier 2 Deductions",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600142,"Other","Tier 2 Capital",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600143,"Other","Available Capital / Available Margin",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600144,"Other","Surplus Allowance",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600145,"Other","Eligible Deposits",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600146,"Other","LICAT Base Solvency Buffer / LIMAT Required Margin",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600147,"Other","LICAT/LIMAT Ratios, Core Ratio (%)",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600148,"Other","LICAT/LIMAT Ratios, Total Ratio (%)",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600149,"Impact on Net Income ($000s)","Interest Rate",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600150,"Impact on Net Income ($000s)","Inflation",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600151,"Impact on Net Income ($000s)","Mortality",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600152,"Impact on Net Income ($000s)","Morbidity",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600153,"Impact on Net Income ($000s)","Equity",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600154,"Impact on Net Income ($000s)","Real Estate ",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600155,"Impact on Net Income ($000s)","Asset Default",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600156,"Impact on Net Income ($000s)","Other Asset Shocks",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600157,"Impact on Net Income ($000s)","Persistency / Lapse",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600158,"Impact on Net Income ($000s)","New Business",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600159,"Impact on Net Income ($000s)","Expenses",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600160,"Impact on Net Income ($000s)","Expenses",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600161,"Impact on Net Income ($000s)","Technology and Cyber",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600162,"Impact on Net Income ($000s)","Operational",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600163,"Impact on Net Income ($000s)","Other",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600164,"Impact on Net Income ($000s)","Total",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025},{"$f":"_xlfn.IFS(ISBLANK(F$136)+ISBLANK(F$7), \"\", (LOWER(F$136)=\"not projected\")+(LOWER(F$7)=\"not projected\"),\"Not projected\", TRUE, F$136-F$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(G$136)+ISBLANK(G$7), \"\", (LOWER(G$136)=\"not projected\")+(LOWER(G$7)=\"not projected\"),\"Not projected\", TRUE, G$136-G$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(H$136)+ISBLANK(H$7), \"\", (LOWER(H$136)=\"not projected\")+(LOWER(H$7)=\"not projected\"),\"Not projected\", TRUE, H$136-H$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(I$136)+ISBLANK(I$7), \"\", (LOWER(I$136)=\"not projected\")+(LOWER(I$7)=\"not projected\"),\"Not projected\", TRUE, I$136-I$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(J$136)+ISBLANK(J$7), \"\", (LOWER(J$136)=\"not projected\")+(LOWER(J$7)=\"not projected\"),\"Not projected\", TRUE, J$136-J$7)","v":""}]
[600165,"Impact on LICAT/LIMAT Ratio (%)","Interest Rate",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600166,"Impact on LICAT/LIMAT Ratio (%)","Inflation",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600167,"Impact on LICAT/LIMAT Ratio (%)","Mortality",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600168,"Impact on LICAT/LIMAT Ratio (%)","Morbidity",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600169,"Impact on LICAT/LIMAT Ratio (%)","Equity",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600170,"Impact on LICAT/LIMAT Ratio (%)","Real Estate ",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600171,"Impact on LICAT/LIMAT Ratio (%)","Asset Default",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600172,"Impact on LICAT/LIMAT Ratio (%)","Other Asset Shocks",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600173,"Impact on LICAT/LIMAT Ratio (%)","Persistency / Lapse",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600174,"Impact on LICAT/LIMAT Ratio (%)","New Business",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600175,"Impact on LICAT/LIMAT Ratio (%)","Expenses",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600176,"Impact on LICAT/LIMAT Ratio (%)","Expenses",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600177,"Impact on LICAT/LIMAT Ratio (%)","Technology and Cyber",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600178,"Impact on LICAT/LIMAT Ratio (%)","Operational",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600179,"Impact on LICAT/LIMAT Ratio (%)","Other",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600180,"Impact on LICAT/LIMAT Ratio (%)","Total",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025},{"$f":"_xlfn.IFS(ISBLANK(F$149)+ISBLANK(F$20), \"\", (LOWER(F$149)=\"not projected\")+(LOWER(F$20)=\"not projected\"),\"Not projected\", TRUE, F$149-F$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(G$149)+ISBLANK(G$20), \"\", (LOWER(G$149)=\"not projected\")+(LOWER(G$20)=\"not projected\"),\"Not projected\", TRUE, G$149-G$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(H$149)+ISBLANK(H$20), \"\", (LOWER(H$149)=\"not projected\")+(LOWER(H$20)=\"not projected\"),\"Not projected\", TRUE, H$149-H$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(I$149)+ISBLANK(I$20), \"\", (LOWER(I$149)=\"not projected\")+(LOWER(I$20)=\"not projected\"),\"Not projected\", TRUE, I$149-I$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(J$149)+ISBLANK(J$20), \"\", (LOWER(J$149)=\"not projected\")+(LOWER(J$20)=\"not projected\"),\"Not projected\", TRUE, J$149-J$20)","v":""}]
[600181,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Canada",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600182,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","USA",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600183,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Europe",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600184,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Asia",{"$f":"Scenario_3!$B$2&\". \"&IF(Scenario_3!$C$2=\"\",\"Not Used\",Scenario_3!$C$2)","v":"3. Not Used"},{"$f":"General_Information!$F$15","v":2025}]
[600185,"Assets (or Invested in Trust for Foreign Branches)","Segregated Fund Net Assets",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600186,"Assets (or Invested in Trust for Foreign Branches)","Total Assets ",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600187,"Liabilities and Equity","Total Liabilities ",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600188,"Liabilities and Equity","Retained Earnings",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600189,"Liabilities and Equity","Total Equity",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600190,"Income","Net Income",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600191,"Income","Total Comprehensive Income (Loss)",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600192,"Other","CSM",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600193,"Other","DTA Temporary",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600194,"Other","Tier 1 Deductions",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600195,"Other","Tier 1 Capital",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600196,"Other","Tier 2 Deductions",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600197,"Other","Tier 2 Capital",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600198,"Other","Available Capital / Available Margin",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600199,"Other","Surplus Allowance",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600200,"Other","Eligible Deposits",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600201,"Other","LICAT Base Solvency Buffer / LIMAT Required Margin",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600202,"Other","LICAT/LIMAT Ratios, Core Ratio (%)",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600203,"Other","LICAT/LIMAT Ratios, Total Ratio (%)",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600204,"Impact on Net Income ($000s)","Interest Rate",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600205,"Impact on Net Income ($000s)","Inflation",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600206,"Impact on Net Income ($000s)","Mortality",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600207,"Impact on Net Income ($000s)","Morbidity",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600208,"Impact on Net Income ($000s)","Equity",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600209,"Impact on Net Income ($000s)","Real Estate ",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600210,"Impact on Net Income ($000s)","Asset Default",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600211,"Impact on Net Income ($000s)","Other Asset Shocks",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600212,"Impact on Net Income ($000s)","Persistency / Lapse",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600213,"Impact on Net Income ($000s)","New Business",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600214,"Impact on Net Income ($000s)","Expenses",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600215,"Impact on Net Income ($000s)","Expenses",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600216,"Impact on Net Income ($000s)","Technology and Cyber",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600217,"Impact on Net Income ($000s)","Operational",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600218,"Impact on Net Income ($000s)","Other",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600219,"Impact on Net Income ($000s)","Total",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025},{"$f":"_xlfn.IFS(ISBLANK(F$191)+ISBLANK(F$7), \"\", (LOWER(F$191)=\"not projected\")+(LOWER(F$7)=\"not projected\"),\"Not projected\", TRUE, F$191-F$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(G$191)+ISBLANK(G$7), \"\", (LOWER(G$191)=\"not projected\")+(LOWER(G$7)=\"not projected\"),\"Not projected\", TRUE, G$191-G$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(H$191)+ISBLANK(H$7), \"\", (LOWER(H$191)=\"not projected\")+(LOWER(H$7)=\"not projected\"),\"Not projected\", TRUE, H$191-H$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(I$191)+ISBLANK(I$7), \"\", (LOWER(I$191)=\"not projected\")+(LOWER(I$7)=\"not projected\"),\"Not projected\", TRUE, I$191-I$7)","v":""},{"$f":"_xlfn.IFS(ISBLANK(J$191)+ISBLANK(J$7), \"\", (LOWER(J$191)=\"not projected\")+(LOWER(J$7)=\"not projected\"),\"Not projected\", TRUE, J$191-J$7)","v":""}]
[600220,"Impact on LICAT/LIMAT Ratio (%)","Interest Rate",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600221,"Impact on LICAT/LIMAT Ratio (%)","Inflation",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600222,"Impact on LICAT/LIMAT Ratio (%)","Mortality",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600223,"Impact on LICAT/LIMAT Ratio (%)","Morbidity",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600224,"Impact on LICAT/LIMAT Ratio (%)","Equity",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600225,"Impact on LICAT/LIMAT Ratio (%)","Real Estate ",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600226,"Impact on LICAT/LIMAT Ratio (%)","Asset Default",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600227,"Impact on LICAT/LIMAT Ratio (%)","Other Asset Shocks",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600228,"Impact on LICAT/LIMAT Ratio (%)","Persistency / Lapse",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600229,"Impact on LICAT/LIMAT Ratio (%)","New Business",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600230,"Impact on LICAT/LIMAT Ratio (%)","Expenses",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600231,"Impact on LICAT/LIMAT Ratio (%)","Expenses",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600232,"Impact on LICAT/LIMAT Ratio (%)","Technology and Cyber",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600233,"Impact on LICAT/LIMAT Ratio (%)","Operational",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600234,"Impact on LICAT/LIMAT Ratio (%)","Other",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600235,"Impact on LICAT/LIMAT Ratio (%)","Total",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025},{"$f":"_xlfn.IFS(ISBLANK(F$204)+ISBLANK(F$20), \"\", (LOWER(F$204)=\"not projected\")+(LOWER(F$20)=\"not projected\"),\"Not projected\", TRUE, F$204-F$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(G$204)+ISBLANK(G$20), \"\", (LOWER(G$204)=\"not projected\")+(LOWER(G$20)=\"not projected\"),\"Not projected\", TRUE, G$204-G$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(H$204)+ISBLANK(H$20), \"\", (LOWER(H$204)=\"not projected\")+(LOWER(H$20)=\"not projected\"),\"Not projected\", TRUE, H$204-H$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(I$204)+ISBLANK(I$20), \"\", (LOWER(I$204)=\"not projected\")+(LOWER(I$20)=\"not projected\"),\"Not projected\", TRUE, I$204-I$20)","v":""},{"$f":"_xlfn.IFS(ISBLANK(J$204)+ISBLANK(J$20), \"\", (LOWER(J$204)=\"not projected\")+(LOWER(J$20)=\"not projected\"),\"Not projected\", TRUE, J$204-J$20)","v":""}]
[600236,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Canada",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600237,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","USA",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600238,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Europe",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]
[600239,"Impact on LICAT/LIMAT Ratio by Jurisdiction (%)","Asia",{"$f":"Climate_Scenario!$B$2&\". \"&Climate_Scenario!$C$2","v":"4. Climate Scenario. "},{"$f":"General_Information!$F$15","v":2025}]

{"sheet":"Data Validation","index":8,"n_rows":142,"n_cols":4,"rows_kept":142,"cut":false,"hidden":false,"merged":[]}
["Error Number","Worksheet Name","Section","Error Description"]
[1,"General Information","General Information","Institution's Name must be filled out."]
[2,"General Information","General Information","OSFI's Institution Code must be filled out."]
[3,"General Information","General Information","Contact Person must be filled out."]
[4,"General Information","General Information","Contact Phone Number must be filled out."]
[5,"General Information","General Information","Contact Email Address must be filled out."]
[6,"General Information","General Information","Company/Branch must be filled out."]
[7,"General Information","General Information","Insurer/Reinsurer must be filled out."]
[8,"General Information","General Information","Individual/Group/Wealth/Multi-line must be filled out."]
[9,"General Information","General Information","Fraternal/Non-fraternal must be filled out."]
[10,"General Information","General Information","Operations outside of Canada must be filled out."]
[11,"General Information","General Information","Appointed Actuary (AA) must be filled out."]
[12,"General Information","General Information","If the AA is external, provide name of consulting firm must be filled out."]
[13,"General Information","General Information","Has the AA changed since the last FCT report must be filled out."]
[14,"General Information","Expression of Opinion","Expression of Opinion Date must be filled out."]
[15,"General Information","Expression of Opinion","Expression of Opinion Date must be filled out."]
[16,"General Information","Expression of Opinion","Expression of Opinion Date must be filled out."]
[17,"General Information","Expression of Opinion","(Future) financial condition of the company is, Satisfactory/Satisfactory Subject to/ Not Satisfactory must be filled out."]
[18,"General Information","Materiality Standard","External Auditor's (EA) ($000s) must be filled out."]
[19,"General Information","Materiality Standard","AAR ($000s) must be filled out."]
[20,"General Information","Materiality Standard","FCT ($000s) must be filled out."]
[21,"General Information","Data, Reliances and Limitations","Are there any unresolved data issues must be filled out."]
[22,"General Information","Base Scenario","If the FCT report was presented to the board of directors/chief agent in the second half of the financial year, does it include material changes in experience and in financial position up to the period of 90 days before the date of presentation? must be filled out."]
[23,"General Information","Base Scenario","Is there any material change at FRFI that would affect FCT base scenario must be filled out."]
[24,"General Information","Base Scenario","If yes, does the base scenario reflect the significant change appropriately? (if no material change at FRFI that would affect FCT base scenario, select not applicable) must be filled out."]
[25,"General Information","Peer Review","Name of Peer Reviewer must be filled out."]
[26,"General Information","Peer Review","Limited or full review must be filled out."]
[27,"General Information","Peer Review","If limited review, which year was the last full review? (if full review, select not applicable) must be filled out."]
[28,"General Information","Peer Review","Pre-release or post-release review must be filled out."]
[29,"General Information","Peer Review","Did the Peer Reviewer make recommendations? must be filled out."]
[30,"General Information","Peer Review","Were recommendations significant? must be filled out."]
[31,"General Information","Peer Review","If pre-release, were recommendations addressed by AA in the current FCT? (if post-release, select not applicable) must be filled out."]
[32,"General Information","Internal and Operating Capital Targets","Did the internal capital target(s) change from that used in the prior year's FCT analysis? must be filled out."]
[33,"General Information","Internal and Operating Capital Targets","Core Internal Target must be filled out."]
[34,"General Information","Internal and Operating Capital Targets","Core Internal Target must be filled out."]
[35,"General Information","Internal and Operating Capital Targets","Core Internal Target must be filled out."]
[36,"General Information","Internal and Operating Capital Targets","Core Internal Target must be filled out."]
[37,"General Information","Internal and Operating Capital Targets","Core Internal Target must be filled out."]
[38,"General Information","Internal and Operating Capital Targets","Core Internal Target must be filled out."]
[39,"General Information","Internal and Operating Capital Targets","Total Internal Target must be filled out."]
[40,"General Information","Internal and Operating Capital Targets","Total Internal Target must be filled out."]
[41,"General Information","Internal and Operating Capital Targets","Total Internal Target must be filled out."]
[42,"General Information","Internal and Operating Capital Targets","Total Internal Target must be filled out."]
[43,"General Information","Internal and Operating Capital Targets","Total Internal Target must be filled out."]
[44,"General Information","Internal and Operating Capital Targets","Total Internal Target must be filled out."]
[45,"General Information","Internal and Operating Capital Targets","If insurer has not established an operating capital target/range, please provide reason(s)."]
[46,"Scenarios","Scenarios","Please fill in the top 3 scenarios by materiality in the template before submission."]
[47,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Segregated Fund Net Assets."]
[48,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Total Assets ."]
[49,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Total Liabilities ."]
[50,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Retained Earnings."]
[51,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Total Equity."]
[52,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Net Income."]
[53,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Total Comprehensive Income (Loss)."]
[54,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's CSM."]
[55,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's DTA Temporary."]
[56,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Tier 1 Deductions."]
[57,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Tier 1 Capital."]
[58,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Tier 2 Deductions."]
[59,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Tier 2 Capital."]
[60,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Available Capital / Available Margin."]
[61,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Surplus Allowance."]
[62,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's Eligible Deposits."]
[63,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's LICAT Base Solvency Buffer / LIMAT Required Margin."]
[64,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's LICAT/LIMAT Ratios, Core Ratio (%)."]
[65,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year0's LICAT/LIMAT Ratios, Total Ratio (%)."]
[66,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Segregated Fund Net Assets."]
[67,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Total Assets ."]
[68,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Total Liabilities ."]
[69,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Retained Earnings."]
[70,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Total Equity."]
[71,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Net Income."]
[72,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Total Comprehensive Income (Loss)."]
[73,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's CSM."]
[74,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's DTA Temporary."]
[75,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Tier 1 Deductions."]
[76,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Tier 1 Capital."]
[77,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Tier 2 Deductions."]
[78,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Tier 2 Capital."]
[79,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Available Capital / Available Margin."]
[80,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Surplus Allowance."]
[81,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's Eligible Deposits."]
[82,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's LICAT Base Solvency Buffer / LIMAT Required Margin."]
[83,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's LICAT/LIMAT Ratios, Core Ratio (%)."]
[84,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year1's LICAT/LIMAT Ratios, Total Ratio (%)."]
[85,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Segregated Fund Net Assets."]
[86,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Total Assets ."]
[87,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Total Liabilities ."]
[88,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Retained Earnings."]
[89,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Total Equity."]
[90,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Net Income."]
[91,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Total Comprehensive Income (Loss)."]
[92,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's CSM."]
[93,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's DTA Temporary."]
[94,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Tier 1 Deductions."]
[95,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Tier 1 Capital."]
[96,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Tier 2 Deductions."]
[97,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Tier 2 Capital."]
[98,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Available Capital / Available Margin."]
[99,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Surplus Allowance."]
[100,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's Eligible Deposits."]
[101,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's LICAT Base Solvency Buffer / LIMAT Required Margin."]
[102,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's LICAT/LIMAT Ratios, Core Ratio (%)."]
[103,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year2's LICAT/LIMAT Ratios, Total Ratio (%)."]
[104,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Segregated Fund Net Assets."]
[105,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Total Assets ."]
[106,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Total Liabilities ."]
[107,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Retained Earnings."]
[108,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Total Equity."]
[109,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Net Income."]
[110,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Total Comprehensive Income (Loss)."]
[111,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's CSM."]
[112,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's DTA Temporary."]
[113,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Tier 1 Deductions."]
[114,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Tier 1 Capital."]
[115,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Tier 2 Deductions."]
[116,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Tier 2 Capital."]
[117,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Available Capital / Available Margin."]
[118,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Surplus Allowance."]
[119,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's Eligible Deposits."]
[120,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's LICAT Base Solvency Buffer / LIMAT Required Margin."]
[121,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's LICAT/LIMAT Ratios, Core Ratio (%)."]
[122,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year3's LICAT/LIMAT Ratios, Total Ratio (%)."]
[123,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Segregated Fund Net Assets."]
[124,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Total Assets ."]
[125,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Total Liabilities ."]
[126,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Retained Earnings."]
[127,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Total Equity."]
[128,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Net Income."]
[129,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Total Comprehensive Income (Loss)."]
[130,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's CSM."]
[131,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's DTA Temporary."]
[132,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Tier 1 Deductions."]
[133,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Tier 1 Capital."]
[134,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Tier 2 Deductions."]
[135,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Tier 2 Capital."]
[136,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Available Capital / Available Margin."]
[137,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Surplus Allowance."]
[138,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's Eligible Deposits."]
[139,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's LICAT Base Solvency Buffer / LIMAT Required Margin."]
[140,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's LICAT/LIMAT Ratios, Core Ratio (%)."]
[141,"Financials","Base Scenario","Base Scenario is missing information for projection_value_year4's LICAT/LIMAT Ratios, Total Ratio (%)."]

{"sheet":"drop-downs","index":9,"n_rows":143,"n_cols":4,"rows_kept":143,"cut":false,"hidden":false,"merged":[]}
["Input for drop-down lists"]
[]
["Company/Branch","Company"]
[null,"Branch"]
[]
["Insurer/Reinsurer","Insurer"]
[null,"Reinsurer"]
[null,"Insurer & Reinsurer"]
[]
["Individual/Group/Wealth/Multi-line","Individual"]
[null,"Group"]
[null,"Wealth"]
[null,"Multi-line"]
[]
["Fraternal/Non-fraternal","Fraternal"]
[null,"Non-fraternal"]
[]
["Yes/No/NA","Yes"]
[null,"No"]
[null,"Not applicable"]
[null,"NA - no reinsurance"]
[]
["Experience Change","Quantitative"]
[null,"Qualitative"]
[null,"Not applicable"]
[]
["FCT Opinion","Satisfactory"]
[null,"Satisfactory Subject To"]
[null,"Not Satisfactory"]
[]
["Peer Review","Full review"]
[null,"Limited review"]
[]
["Pre/Post-Release","Pre-release review"]
[null,"Post-release review"]
[null,"Not applicable"]
[]
["FCT first projection year",2023]
[null,2024]
[null,2025]
[]
["Scenario Types","Going Concern"]
[null,"Going Concern: Integrated"]
[null,"Solvency Scenario"]
[null,"Solvency Scenario: Integrated"]
[]
["Risk Category","Business volume and mix"]
[null,"Climate-related"]
[null,"Expense"]
[null,"Government actions and political issues"]
[null,"Inflation, deflation or stagflation"]
[null,"Insurance Service Expense risk: Morbidity"]
[null,"Insurance Service Expense risk: Mortality / Longevity"]
[null,"Insurance Service Expense risk: Persistency and Lapse"]
[null,"Market (other than interest) and credit"]
[null,"Market risk: Interest rates"]
[null,"Off-balance-sheet items"]
[null,"Operational-related"]
[null,"Reinsurance held"]
[null,"Related companies"]
[null,"Technology and cyber"]
[null,"Not Stated"]
[]
["Region","All"]
[null,"Canada"]
[null,"US"]
[null,"Europe"]
[null,"Asia"]
[]
["Severity of Adverse Scenario","90.0% (1-in-10)"]
[null,"92.5% (7.5-in-100)"]
[null,"95.0% (5-in-100)"]
[null,"97.5% (2.5-in-100)"]
[null,"99.0% (1-in-100)"]
[null,"99.5% (1-in-200)"]
[null,"99.8% (1-in-500)"]
[null,"Not stated"]
[]
["Operational Scenarios","Extended period of Critical BCP event"]
[null,"Extended period of Critical Third Party Outage"]
[null,"Extended period of Dominant Service Provider Outage"]
[null,"Failure due to significant manual processes"]
[null,"Ripple effects due to reputational risks"]
[null,"Other"]
[]
["Technology and Cyber Scenarios","Destructive malware attack"]
[null,"Distributed Denial of Service (DDOS) attack"]
[null,"Prolonged outage of infrastructure networks and systems"]
[null,"Other"]
[]
["Other Routine Management Actions","Increased capital monitoring"]
[null,"Increased risk management practices"]
[null,"Other"]
[null,"None"]
[]
["Corrective Management Actions","Capital injection / HO transfer"]
[null,"Cease or reduce dividend"]
[null,"Cancellation of share buyback"]
[null,"Rate and UW changes"]
[null,"Rate change"]
[null,"UW change"]
[null,"Other"]
[null,"None"]
[]
["For Date of Opinion","Day","Month","Year"]
[null,1,"January",2022]
[null,{"$f":"B106+1","v":2},"February",{"$f":"D106+1","v":2023}]
[null,{"$f":"B107+1","v":3},"March",{"$f":"D107+1","v":2024}]
[null,4,"April",2025]
[null,5,"May",2026]
[null,6,"June",2027]
[null,7,"July",2028]
[null,8,"August",2029]
[null,9,"September",2030]
[null,10,"October"]
[null,11,"November"]
[null,12,"December"]
[null,13]
[null,14]
[null,15]
[null,16]
[null,17]
[null,18]
[null,19]
[null,20]
[null,21]
[null,22]
[null,23]
[null,24]
[null,25]
[null,26]
[null,27]
[null,28]
[null,29]
[null,30]
[null,31]
[]
["Year of last full review",2025]
[null,2021]
[null,2022]
[null,2023]
[null,2024]
[null,"Not applicable"]

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["Date","Author"]
["2024-09-27","Aneesh Pasricha"]
["2024-10-04","Aneesh Pasricha"]
["2024-10-07","Aneesh Pasricha"]
["2024-10-15","Aneesh Pasricha"]
["2024-10-22","Aneesh Pasricha"]
["2024-10-30","Aneesh Pasricha"]
["2024-10-31","Aneesh Pasricha"]
["2024-11-08","Aneesh Pasricha"]

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