Solvency and Financial Condition Reports

If's strategy for capital management focuses on capital efficiency and sound risk management by keeping its capital resources at an appropriate level in relation to the risks taken over its business planning horizon. 

The regulatory Solvency Capital Requirement (SCR) sets the level of capital at which If is able to conduct its business without regulatory intervention and is the starting point when the needed level of capital is considered.

In addition, the internal measure economic capital is considered.