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French to English: Marché International de l’Assurance et de la Réassurance General field: Bus/Financial Detailed field: Insurance
Source text - French
Le marché mondial de l’assurance non-vie affiche un taux de croissance de 3% en 2019. Ainsi, dans un contexte de ralentissement de la croissance économique, les marchés avancés connaitraient un taux de croissance de primes non-vie aux alentours de 2%, contre un taux de 5,8% prévu dans les marchés émergents, véritable moteur de croissance de l’assurance mondiale.
Les marchés non-vie en Chine et en Inde ont été particulièrement solides, avec des primes en hausse, respectivement de 9% et 11%, grâce à l’assurance agricole. La croissance en Inde a également été
stimulée par la branche auto, contrairement à la Chine où elle a enregistré un ralentissement suite à la baisse des ventes de voitures et à la libéralisation du marché.
La rentabilité globale de l’assurance non-vie, mesurée par le rendement des capitaux propres (ROE), s’est légèrement améliorée en Europe et en Asie-Pacifique au premier semestre 2019 par
rapport à 2018. En Amérique du Nord, le ROE a été stimulé par des gains réalisés durant les premiers mois de l’année. Cependant, les perspectives de rentabilité restent incertaines compte tenu de l’environnement d’investissement toujours difficile avec des taux d’intérêt très bas et une forte volatilité des prix des actifs.
Aux États-Unis, le résultat technique du secteur affiche une amélioration, avec un ratio combiné estimé à 98% en 2019 contre 99% en 2018. Ces prévisions sont basées sur une charge de sinistre
liée aux risques catastrophiques moins importante que celle de 2018.
Au Canada, les résultats de souscription sont sous pression. Le ratio combiné du secteur non-vie était supérieur à 100% au premier semestre 2019, en raison de la haute fréquence et de la gravité des
événements météorologiques. Au premier semestre 2019, le secteur européen de l’assurance non-vie a enregistré un ratio combiné
de 93%, en baisse d’environ 1 point de pourcentage par rapport à l’année 2018. L’Italie, l’Espagne et le Royaume-Uni ont enregistré des améliorations en raison de meilleurs résultats dans la branche Auto.
En Allemagne, les sinistres automobiles enregistrent une hausse, contrairement aux sinistres demeure ou habitation qui diminuent par rapport aux niveaux élevés de 2018.
Translation - English The global non-life insurance market is expected to grow by 3% in 2019. Thus, in a context of slowing economic growth, advanced markets would experience a growth rate of non-life premiums around 2%, compared to a forecast of 5.8% in emerging markets, a real driving force of global insurance growth.
Non-life business in China and India was particularly strong, with premiums increasing by 9% and 11% respectively, thanks to agricultural insurance. Growth in India was also boosted by the auto sector, in contrast to China, where it slowed as a result of lower car sales and market liberalisation.
The overall profitability of non-life insurance, measured by return on equity (ROE), improved slightly in Europe and Asia-Pacific area in the first half of 2019 compared to 2018. In North America, the ROE was boosted by profits in the first months of the year. However, the prospects for profitability remain uncertain given the still difficult investment environment with very low interest rates and high volatility in asset prices.
In the United States, the sector’s technical result would show an improvement, with a combined ratio estimated at 98% in 2019 compared to 99% in 2018. These forecasts are based on claim expenses linked to catastrophic risks, less important than that of 2018.
In Canada, the results of the subscription remain under pressure. The combined ratio of the non-life sector was over 100% in the first half of 2019, due to the high frequency and severity of weather events.
In the first half of 2019, the European non-life insurance sector recorded a combined ratio of 93%, down 1 percentage point compared to 2018. Italy, Spain and the United Kingdom saw further improvements due to improved performance in the Auto sector. In Germany, car claims are up, unlike property claims, which are down compared to high levels in 2018.
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Translation education
Master's degree - King Fahd School of Translation
Experience
Years of experience: 11. Registered at ProZ.com: Aug 2020.
English to Arabic (Abdelmalek Essaâdi University, verified) Arabic to English (Abdelmalek Essaâdi University, verified) French to Arabic (Abdelmalek Essaâdi University, verified) French to English (Abdelmalek Essaâdi University, verified)
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Bio
I am a professional English to Arabic
translator. I was born and raised in Morocco. I have always shown great
interest in languages. So, after getting my baccalaureate, I opted for English
studies because I fell in love with this language before I started studying it at
school. Pushed by my love for languages, I decided to study a master’s degree in translation and I received it in 2012 from the King Fahd School of Translation in Tangier,
Morocco, in Arabic-English- French combination. Afterwards, I worked as a
freelance translator for two years. After that, I started a career in teaching
English as a foreign language to high school students. Since then, I have
always tried to do both in parallel.I spend my free time doing some woodwork, reading literature, studying
languages alongside some other hobbies.
Keywords: Arabic, English, Moroccan Arabic, e-commerce, technology, translation, proofreading, business
