分组1 - 公司总体财务数据和关键指标呈现良好增长,第三季度合并税前营业利润为2.51亿美元,与去年同期的2.57亿美元相比略有下降,但综合赔付率为91.9%,同比有所改善 [9] - 公司保持谨慎的准备金计提政策,三个业务分部均出现有利的准备金开发 [10] - 公司资产负债表保持稳健,同时通过股息和股票回购向股东持续回报资本,并宣布成立新的意外与健康保险业务部门 [11] 分组2 - 一般保险业务方面,净承保保费增长12%,税前营业利润增长28.6%,综合赔付率为89% [23][24] - 商业车险业务净承保保费增长19%,赔付率为66.3%;工伤赔偿保险业务净承保保费下降6%,赔付率为33.2% [27][28] - 公司预计未来一年内一般保险业务将保持稳健增长和盈利能力 [29] 分组3 - 产险业务的良好表现部分抵消了标题保险业务收入和利润的下降 [40] - 标题保险业务受到房贷利率上升和房地产市场低迷的影响,预计将持续到2024年 [41] 问答环节重要的提问和回答 问题1 **Greg Peters 提问** 询问公司下一年的承保保费增长情况,是否会有所放缓 [46] **Craig Smiddy 回答** 公司对商业车险和新的承保业务线保持乐观,预计未来一年内仍将保持较高的增长,但工伤赔偿保险业务可能会受到一定拖累 [48][49][50][51][52][53] 问题2 **Paul Newsome 提问** 询问公司标题保险业务中独立代理和直营渠道的变化情况 [65] **Carolyn Monroe 回答** 独立代理和直营渠道的占比在过去10年一直保持稳定,不会有太大变化,主要取决于不同地区的市场格局 [67][70] 问题3 **Evan Tindell 提问** 询问利率上升是否会导致保险行业竞争加剧,以及公司未来是否会调整综合赔付率目标 [80] **Craig Smiddy 回答** 公司不会因为投资收益的增加而放松承保纪律,仍将维持90%-95%的综合赔付率目标,未来很难进一步降至80%以下 [83][84][86][87]

D REF BLIC INTERNATIONAL CORPORATION OF EXCELL Investor Presentation 3rd Quarter 2023 Preliminary Matters Forward Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. The words "expect," "estimate," "anticipate," "predict" and similar expressions, and the negatives thereof, often identify forward-looking statements, which are not limited to historical facts. Forward-loo ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM10-Q ☒Quarterly report pursuant to section 13 or 15(d) of the Security Exchange Act of 1934 June 30, 2023 for the quarterly period ended: or ☐Transition report pursuant to section 13 or 15(d) of the Security Exchange Act of 1934 Commission File Number: 001-10607 OLD REPUBLIC INTERNATIONAL CORPORATION (Exact name of registrant as specified in its charter) Delaware 36-2678171 (State or other jurisdiction of (IRS Employer Identificati ...

D REF BLIC INTERNATIONAL CORPORATION OF EXCELL Investor Presentation 2nd Quarter 2023 Preliminary Matters Forward Looking Statements This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. The words "expect," "estimate," "anticipate," "predict" and similar expressions, and the negatives thereof, often identify forward-looking statements, which are not limited to historical facts. Forward-loo ...

Old Republic International Corporation (NYSE:ORI) Q2 2023 Earnings Conference Call July 27, 2023 3:00 PM ET Company Participants Joe Calabrese - IR Craig Smiddy - President and CEO Frank Sodaro - CFO Carolyn Monroe - President and CEO of Title Holding Company Conference Call Participants Greg Peters - Raymond James Paul Newsome - Piper Sandler Matt Carletti - JMP John Heagney - Dowling & Partners Ryan Winrick - Guggenheim Operator Hello. My name is Chris and I'll be your conference operator today. At this t ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM10-Q ☒Quarterly report pursuant to section 13 or 15(d) of the Security Exchange Act of 1934 March 31, 2023 for the quarterly period ended: or ☐Transition report pursuant to section 13 or 15(d) of the Security Exchange Act of 1934 Commission File Number: 001-10607 OLD REPUBLIC INTERNATIONAL CORPORATION (Exact name of registrant as specified in its charter) Delaware 36-2678171 (State or other jurisdiction of (IRS Employer Identificat ...

Old Republic International Corporation (NYSE:ORI) Q1 2023 Results Conference Call April 27, 2023 3:00 PM ET Company Participants Joe Calabrese - IR Craig Smiddy - President and CEO Frank Sodaro - CFO Carolyn Monroe - President and CEO of Title Holding Company Conference Call Participants Matt Carletti - JMP Securities Greg Peters - Raymond James Operator Ladies and gentlemen, thank you for standing by. My name is Brent, and I'll be your conference operator today. At this time, I would like to welcome everyo ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 December 31, 2022 For the fiscal year ended: OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____________________________ to ______________________________ Commission File Number: 001-10607 OLD REPUBLIC INTERNATIONAL CORPORATION (Exact name of registrant ...

Old Republic International Corporation (NYSE:ORI) Q4 2022 Results Conference Call January 26, 2023 3:00 PM ET Company Participants Joe Calabrese - IR Craig Smiddy - President and CEO Frank Sodaro - CFO Carolyn Monroe - President, Title Insurance Conference Call Participants Greg Peters - Raymond James Matt Carletti - JMP Securities Paul Newsome - Piper Sandler Operator Good afternoon. My name is Chris, and I'll be your conference operator today. At this time, I'd like to welcome everyone to the Old Republic ...

Old Republic International Corporation (NYSE:ORI) Q3 2022 Results Conference Call October 27, 2022 3:00 PM ET Company Participants Joe Calabrese - Financial Relations Board Craig Smiddy - President, CEO Frank Sodaro - CFO Carolyn Monroe - President, Title Insurance Conference Call Participants Matt Carletti - JMP Greg Peters - Raymond James Operator Good afternoon. My name is Chris, and I'll be your conference operator today. At this time, I'd like to welcome everyone to the Old Republic International Third ...