Line4

In forceSolvency UK: public disclosureLast checked 11 November 2026

Solvency and financial condition report of an insurance group (Group SFCR, APG)

A regulatory return listed by the Bank of England (PRA), insurers, United Kingdom.

The group version of the SFCR: a public yearly report on the group's business, governance, risks, valuation and capital, with standard tables including the companies in the scope of the group. A group may publish a single SFCR that covers its subsidiaries too. Source

Official title: Group Solvency and Financial Condition Report, or single SFCR; taxonomy entry point APG, Annual Solvency II public disclosure Group

The facts

Who files
Groups required to disclose an SFCR at group level, or a single SFCR, under Group Supervision 18 (Reporting Chapter 3A, Articles 5, 7D and 7F). Source
How often
Annual. Source
Deadline
Published no later than 100 business days after the financial year end (Reporting 2.5B(12)(b), applied by Chapter 3A Article 7D), and sent to the PRA as soon as it is published (Reporting 3.9). Source
Format
Other. A public report on the firm's own website, with the quantitative templates included in it. The firm must also send it to the PRA as soon as it is published (Reporting 3.9), in electronic format (2.13). The PRA's Q&A (A6) says no separate disclosure return is filed through BEEDS: the DIS entry points in the taxonomy only signpost the templates. Source
How it is filed
Filing routes recorded for the PRA: BEEDS (Bank of England Electronic Data Submission portal); Email to the Bank's insurance data mailbox. See how firms file with the PRA.
Status
In force
Legal basis
Group
Solvency UK: public disclosure

Templates (8)

The tables and forms inside the return. Plain name first, the PRA's code in brackets.

  • Balance sheet (IR.02.01.02)
  • Premiums, claims and expenses by country (IR.05.02.01)
  • Life income and expenditure (IR.05.03.02)
  • Non-life income and expenditure (IR.05.04.02)
  • Impact of long term guarantees measures and transitionals (IR.22.01.22)
  • Own funds (IR.23.01.04)
  • Solvency Capital Requirement (IR.25.04.22)
  • Undertakings in the scope of the group (IR.32.01.22)

Templates of the APG (disclosure) entry point in taxonomy v2.2.0 (Bank's labels), for reference dates on or after 31 December 2026. Source

Validation rules

88 rules, as counted from the PRA's published material. Software can run them exactly as published. Source

How they are written: XBRL Formula 1.0 assertions in the taxonomy package (val folder of each framework), plus an Excel list of every rule with its expression, severity and entry points.

The rules exist in the DIS file, but the PRA's Q&A (A6) says no separate disclosure return is filed through BEEDS, so they are not applied to a filing.

The rules, on bankofengland.co.uk

How they were counted

Distinct rule codes in sheet 'dis' of 'Bank of England Insurance Taxonomy Validations v2.2.0 - DIS.xlsx' (validations zip) whose 'Severity and modules' column names APG, with 'Include in XBRL' = yes and 'Deactivated' = no (88), less 0 rule codes set to 'Deactivate' on sheet 'Version 2.2.0' of the validation deny list. The sheet lists 88 rule codes for APG in all; 0 have 'Include in XBRL' = no.

Counts are in the PRA's own unit, so they are not comparable with other regulators' counts.

Public data

Published firm by firm. The group publishes its own SFCR on its website (Reporting Chapter 3A, Article 3B applies to the group and single SFCR). No central PRA collection was found on the pages checked. Source

Where it is published (Report on the group's website (format not set in the rules read))

  • Solvency and financial condition reports (published by each firm)

    Firm by firm · Reports on each firm's website

    Each Solvency UK insurer and group publishes its own yearly SFCR, with standard tables on balance sheet, premiums and claims, technical provisions, own funds, SCR and MCR, on its own website (or a trade association website). The PRA rules require publication; they do not set up a central PRA collection, and none was found on the pages checked. Source

Official documents (9)

The PRA's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see PRA's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Last checked 11 November 2026.