Field notes · 2026-01-28

What belongs in a claims appendix for a Hong Kong risk committee

A practical checklist for claims appendices that satisfy governance without turning every page into a data dump.

Risk committees rarely need every claim code. They need movement: what changed since last quarter, why reserve releases or strengthenings occurred, and whether large losses are clustering by cause.

A useful appendix opens with a one-page movement bridge, then shows two or three charts that answer the bridge. Tables can sit behind for auditors who want the numbers.

Include definition notes for open versus closed, incurred versus paid, and any currency conversion used for regional books managed from Hong Kong.

Leave out vanity heat maps that colour every cell without a story. Colour should mark exceptions the committee must discuss, not decorate the pack.

If your current appendix runs longer than twelve pages of dense tables, a Board Risk Reporting Pack engagement can reshape it around decisions rather than extracts.