{"id":7899,"date":"2025-10-19T11:49:15","date_gmt":"2025-10-19T09:49:15","guid":{"rendered":"https:\/\/actuary.hu\/weblap3\/?p=7899"},"modified":"2025-10-21T22:08:46","modified_gmt":"2025-10-21T20:08:46","slug":"2025-september-aae-annual-meeting","status":"publish","type":"post","link":"https:\/\/actuary.hu\/weblap3\/2025-september-aae-annual-meeting\/","title":{"rendered":"2025 September &#8211; AAE Annual Meeting besz\u00e1mol\u00f3k"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7899\" class=\"elementor elementor-7899\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d25bc81 e-flex e-con-boxed e-con e-parent\" data-id=\"d25bc81\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b906b1e e-con-full e-flex e-con e-child\" data-id=\"b906b1e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90e3a08 elementor-widget elementor-widget-text-editor\" data-id=\"90e3a08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Az Actuarial Association of Europe 2025 szeptember 24 \u00e9s 26 k\u00f6z\u00f6tt tartotta \u00e9ves k\u00f6zgy\u0171l\u00e9s\u00e9t \u00e9s kapcsol\u00f3d\u00f3 bizotts\u00e1gi megbesz\u00e9l\u00e9seit.<\/p><p>A MAT -ot Borza G\u00e1bor, Han\u00e1k G\u00e1bor, Ker\u00e9nyi Istv\u00e1n, Kov\u00e1cs Erzs\u00e9bet, Kov\u00e1cs Judit, P\u00e1rniczky Tibor \u00e9s Szigetv\u00e1ri Zs\u00f3fia k\u00e9pviselt\u00e9k.<\/p><p>A r\u00e9szv\u00e9telt a MAT 200 000 Ft-os k\u00f6lts\u00e9gt\u00e9r\u00edt\u00e9si keret biztos\u00edt\u00e1s\u00e1val tudta t\u00e1mogatni a r\u00e9sztvev\u0151k sz\u00e1m\u00e1ra.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e1992c e-con-full e-flex e-con e-child\" data-id=\"0e1992c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-720bbfa elementor-widget elementor-widget-image\" data-id=\"720bbfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"555\" height=\"220\" src=\"https:\/\/actuary.hu\/weblap3\/wp-content\/uploads\/2021\/04\/Logo_AAE-1.png\" class=\"attachment-large size-large wp-image-2273\" alt=\"\" srcset=\"https:\/\/actuary.hu\/weblap3\/wp-content\/uploads\/2021\/04\/Logo_AAE-1.png 555w, https:\/\/actuary.hu\/weblap3\/wp-content\/uploads\/2021\/04\/Logo_AAE-1-300x119.png 300w\" sizes=\"(max-width: 555px) 100vw, 555px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b4cc98 e-flex e-con-boxed e-con e-parent\" data-id=\"8b4cc98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8780b39 e-con-full e-flex e-con e-child\" data-id=\"8780b39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3930926 elementor-widget elementor-widget-heading\" data-id=\"3930926\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Borza G\u00e1bor<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-463bf1f e-con-full e-flex e-con e-child\" data-id=\"463bf1f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0be040e elementor-widget elementor-widget-heading\" data-id=\"0be040e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">AAE Joint meeting of Insurance, Pensions and Risk Management Committees<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98a131a elementor-widget elementor-widget-text-editor\" data-id=\"98a131a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2025 Szeptember 25<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04c1552 elementor-widget elementor-widget-n-accordion\" data-id=\"04c1552\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4980\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4980\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6sszefoglal\u00f3 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4980\" class=\"elementor-element elementor-element-d523669 e-con-full e-flex e-con e-child\" data-id=\"d523669\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de3f881 elementor-widget elementor-widget-text-editor\" data-id=\"de3f881\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Besz\u00e1mol\u00f3 a Magyar Aktu\u00e1rius T\u00e1rsas\u00e1g r\u00e9sz\u00e9re a 2025-\u00f6s P\u00e1rizsi AAE bizotts\u00e1gi \u00fcl\u00e9sekr\u0151l<\/p><p>R\u00e9sztvev\u0151: Borza G\u00e1bor<\/p><p>A besz\u00e1mol\u00f3ban a csatolt napirendekben szerepl\u0151 sz\u00e1moz\u00e1sra hivatkozom (ahol kih\u00faztam, ott a MAT sz\u00e1m\u00e1ra nem k\u00fcl\u00f6n\u00f6sen fontos dolgok hangoztak el, de ha a napirend alapj\u00e1n valakit pontosabban \u00e9rdekel, megosztom a prezent\u00e1ci\u00f3t.<\/p><p><span style=\"color: #0000ff;\">K\u00e9kkel jel\u00f6ltem<\/span>, hogy szerintem mely t\u00e9m\u00e1kat dolgozhatn\u00e1 fel a MAT valamely szakmai rendezv\u00e9ny\u00e9n.<\/p><p class=\"MsoNormal\" style=\"text-align: justify;\">\u00a0<\/p><ol start=\"2025\"><li>szeptember 25.<\/li><\/ol><p><strong>Joint Committee <\/strong><\/p><ol><li>\u2013<\/li><li><strong>Marit Kosmeijer: How to boost investment return for long term savings? <\/strong><\/li><\/ol><p>Kov\u00e1cs Judit besz\u00e1mol\u00f3j\u00e1t \u00e9rdemes ez el\u0151tt elolvasni.<\/p><p>Gyakorlatilag <em>nem teljesk\u00f6r\u0171en<\/em> ismertetett t\u00f6bb olyan eszk\u00f6zoszt\u00e1lyt (Private Equity, Venture Capital, Private Debt, Farmland), amelyet szerinte \u00e9rdemes lenne megfontolnia a nyugd\u00edjp\u00e9nzt\u00e1raknak. Az egyes eszk\u00f6zoszt\u00e1lyokhoz t\u00f6bbsz\u00f6r \u2013 szerintem nem al\u00e1t\u00e1masztott \u2013 meglep\u0151 jellemz\u0151ket t\u00e1rs\u00edtott.<\/p><p>A befektet\u00e9sek fontoss\u00e1g\u00e1nak n\u00f6veked\u00e9s\u00e9t a DB-DC \u00e1tmenettel indokolta, ami szerintem nem egy val\u00f3s indok.<\/p><p>A risk-reward kapcsolat meghalad\u00e1s\u00e1r\u00f3l is besz\u00e9lt, szerintem nem al\u00e1t\u00e1masztottan. Keveredett a kock\u00e1zat \u00e9s a volatilit\u00e1s fogalma.<\/p><p>T\u00f6bb kritikai hozz\u00e1sz\u00f3l\u00e1s is \u00e9rkezett, amelyekkel nagyr\u00e9szt egyet is \u00e9rtek, pl: Kristoffer Bork: felh\u00edvta a figyelmet arra, hogy a term\u0151f\u00f6ld nem \u00fajdons\u00e1g; Hartwig Sorger a modell kock\u00e1zatra; Lutz Wilhelmy pedig az \u00fcgyf\u00e9l kommunik\u00e1ci\u00f3s probl\u00e9m\u00e1ra (k\u00fcl\u00f6n\u00f6sen DC esetben)<\/p><ol start=\"3\"><li><strong>Bogdan Tautan: The European AI Act from actuarial perspective<\/strong><\/li><\/ol><p><strong>\u00a0<\/strong><\/p><p>Kov\u00e1cs Judit besz\u00e1mol\u00f3j\u00e1hoz nem tudok hozz\u00e1tenni.<\/p><p><strong>\u00a0<\/strong><\/p><ol start=\"4\"><li><strong>Stephanos Hadjistyllis: Update on Recent Consultations<\/strong><\/li><\/ol><p>\u00d6sszefoglalta, hogy az elm\u00falt id\u0151szakban milyen sok konzult\u00e1ci\u00f3ra tudott v\u00e1laszt adni az AAE \u00e9s felh\u00edvta a figyelmet arra, hogy ez csak a tagszervezetek \u00f6nk\u00e9nteseinek r\u00e9szv\u00e9tel\u00e9vel tud megval\u00f3sulni.<\/p><ol start=\"5\"><li>\u2013<\/li><li>\u2013<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a7fa70 elementor-widget elementor-widget-heading\" data-id=\"4a7fa70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">AAE Pensions Committee<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82ca8c2 elementor-widget elementor-widget-text-editor\" data-id=\"82ca8c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2025 Szeptember 25<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd432d0 elementor-widget elementor-widget-n-accordion\" data-id=\"dd432d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2320\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2320\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6sszefoglal\u00f3 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2320\" class=\"elementor-element elementor-element-df2f1b7 e-con-full e-flex e-con e-child\" data-id=\"df2f1b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b458bb6 elementor-widget elementor-widget-text-editor\" data-id=\"b458bb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol start=\"2025\"><li>szeptember 25.<\/li><\/ol><p><strong>Pension Committee<\/strong><\/p><ol><li>\u2013<\/li><li>\u2013<\/li><li>\u2013<\/li><li><strong>Activities of the WGS and TFS under the PC<\/strong><ul><li>&#8211;<\/li><li><strong>Jeroen van den Bosch: Final report of the PTS Working Group<\/strong><\/li><\/ul><\/li><\/ol><p>M\u00e9g mindig lehet jelentkezni a WG-ba \u00e9s <span style=\"color: #0000ff;\">szerintem ezt a t\u00e9m\u00e1t \u00e9rdemes lenne felkarolni a magyar k\u00f6zigazgat\u00e1s fel\u00e9. Feldolgozni, hogy mi hogy \u00e1llunk?<\/span><\/p><p>Az a k\u00e9rd\u00e9s, hogy a nyugd\u00edj v\u00e1rom\u00e1nyokr\u00f3l ki mikor milyen inform\u00e1ci\u00f3t kap. Csak az \u00e1llami vagy minden priv\u00e1t megold\u00e1s is benne van? Hogyan aggreg\u00e1lj\u00e1k? Push vagy pull inform\u00e1ci\u00f3t adnak? Mennyi disclaimer van?<\/p><p>Nagyon \u00e9rdekes, hogy pl: m\u00edg D\u00e1ni\u00e1ban egy 20 oldalas jelent\u00e9st kap az \u00fcgyf\u00e9l, Hollandi\u00e1ban sokkal r\u00f6videbbet, amit legink\u00e1bb(?) a jelz\u00e1loghitel ig\u00e9nyl\u00e9sn\u00e9l haszn\u00e1lnak.<\/p><ul><li>(elmaradt)<\/li><li><strong>Stephanos Hadjistyllis: European Commission Consultation on Supplementary Pension<\/strong><\/li><\/ul><p>Nagyon sok inputot kapott az AAE az augusztus ellen\u00e9re.<\/p><p>A teljes v\u00e1lasz el\u00e9rhet\u0151 a honlapon.<\/p><p>Mindenki \u00fagy \u00edt\u00e9li meg, hogy a PEPP egy sikertelen k\u00eds\u00e9rlet.<\/p><p>Ez EU egy l\u00e9p\u00e9ssel szeretn\u00e9 megoldani a pension gap \u00e9s a capital market probl\u00e9m\u00e1t.<\/p><p>Sz\u00f3 volt az egy\u00e9ni v\u00e1llalkoz\u00f3k v\u00e1rhat\u00f3 alacsony nyugd\u00edj\u00e1r\u00f3l, hogy ez mindenhol probl\u00e9ma. Sokszor azt hissz\u00fck, hogy ez magyar specialit\u00e1s, pedig az alacsonyabb j\u00f6vedelem ut\u00e1ni j\u00e1rul\u00e9kfizet\u00e9s (j\u00e1rul\u00e9kelker\u00fcl\u00e9s) \u00e9s az ebb\u0151l fakad\u00f3 alacsony v\u00e1rhat\u00f3 nyugd\u00edj sok helyen okoz probl\u00e9m\u00e1t (majd). K\u00e9rd\u00e9s: hol mennyire foglalkoznak vele. <span style=\"color: #0000ff;\">MAT is feldolgozhatn\u00e1.<\/span><\/p><ol start=\"5\"><li>\u00a0<ul><li>\u2013<\/li><li>PENSIONS RISK MANAGEMENT JOINT WG (PRM)<\/li><\/ul><\/li><\/ol><p>Ugyanaz hangzott, ami Kov\u00e1cs Judit besz\u00e1mol\u00f3j\u00e1ba is beker\u00fclt. Annyit f\u0171zn\u00e9k hozz\u00e1, hogy<\/p><ul><li>ezek a szab\u00e1lyoz\u00f3i k\u00e9rd\u00e9sek magyarorsz\u00e1gi nyugd\u00edjp\u00e9nzt\u00e1rakat nem \u00e9rintik, mert kezdett\u0151l nem tartoznak a hat\u00e1lyuk al\u00e1<\/li><li>kritikak\u00e9nt hangzott el, hogy a szab\u00e1lyoz\u00f3 t\u00fals\u00e1gosan t\u00e1maszkodik az S2-re, ami egyr\u00e9szt az id\u00f5horizont miatt probl\u00e9ma, m\u00e1sr\u00e9szt pedig az elt\u00e9r\u00f5 jogi strukt\u00far\u00e1b\u00f3l ad\u00f3d\u00f3 t\u00f6bbletopci\u00f3kra<\/li><\/ul><ol start=\"6\"><li>INFORMATION EXCHANGE FROM MAs &#8211; CASE STUDIES<ul><li>Tatiana Bitunska bemutatta a bolg\u00e1r nyugd\u00edjreformot, vel\u00fcnk nagyon hasonl\u00f3 utat j\u00e1rtak be, de lassabban, teh\u00e1t m\u00e9g mindig nincsenek v\u00e1laszthat\u00f3 portfoli\u00f3k (\u00e9s persze nem sz\u0171ntek meg a mag\u00e1np\u00e9nzt\u00e1rak sem)<\/li><li>\u00c9n arr\u00f3l besz\u00e9ltem, hogy a DB-DC \u00e1tmenet (PEPP term\u00e9kek eset\u00e9n) mi vezethet arra, hogy pont a kit\u00fbz\u00f6tt v\u00e9lt nem \u00e9rj\u00fck el (magas r\u00e9szv\u00e9nyh\u00e1nyad).<\/li><li>Marit Kosmeijer (aki a joint meetingen is besz\u00e9lt) a holland DB-DC \u00e1tmenetr\u0151l besz\u00e9lt. Ezt a tavalyi Matin\u00e9-n a MAT m\u00e1r \u00e1ttekintette, de most nagyon sok nagyon \u00e9rdekes technikai inf\u00f3 hangzott el. P\u00e9ld\u00e1ul az eur\u00f3pai swap poz\u00edci\u00f3k fel\u00e9t birtokl\u00f3 nyugd\u00edjp\u00e9nzt\u00e1rak piacr\u00f3l val\u00f3 kil\u00e9p\u00e9s\u00e9nek v\u00e1rhat\u00f3 hat\u00e1sa a hozamg\u00f6rb\u00e9kre.<\/li><\/ul><\/li><li>\u2013<\/li><li>\u2013<\/li><li>\u2013<\/li><\/ol><p>\u00a0<\/p><p>SOCIAL SECURITY SUBCOMMITTEE<\/p><p>(Itt megfigyel\u0151k\u00e9nt vettem r\u00e9szt, P\u00e1rniczky Tibor k\u00e9sz\u00edt besz\u00e1mol\u00f3t.)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4ddbc elementor-widget elementor-widget-heading\" data-id=\"6b4ddbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">AAE Sustainability and Climate Related Risk Working Group<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7400216 elementor-widget elementor-widget-text-editor\" data-id=\"7400216\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2025 Szeptember 25<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-774734f elementor-widget elementor-widget-n-accordion\" data-id=\"774734f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1250\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1250\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6sszefoglal\u00f3 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1250\" class=\"elementor-element elementor-element-d92ccb4 e-con-full e-flex e-con e-child\" data-id=\"d92ccb4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f95504a elementor-widget elementor-widget-text-editor\" data-id=\"f95504a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol start=\"2025\"><li>szeptember 25.<\/li><\/ol><p>SUSTAINABILITY AND CLIMATE-RELATED RISK WORKING GRPUP<\/p><ol><li>Han\u00e1k G\u00e1bor \u2013 a napirendben nem szerepl\u0151 &#8211; javaslat\u00e1t, miszerint javasoljuk, hogy az AAE vezet\u0151s\u00e9ge fontolja meg\u00a0 hogy kifejezi aggodalm\u00e1t a kl\u00edmaszkepticizmus er\u0151re kap\u00e1sa miatt t\u00e1mogatt\u00e1k a jelenl\u00e9v\u0151k<\/li><li>Frank Schiller \u2013 board mand\u00e1tuma lej\u00e1rt\u00e1val \u2013 visszat\u00e9r a munkacsoport \u00e9l\u00e9re, k\u00e9t alel\u00f6kkel<\/li><li>Az \u201eOwn sustainability project\u201d-et, amiben \u00e9n is r\u00e9sztvettem, lez\u00e1rtuk.<\/li><li>.<ul><li>Esko Kivisaari: Discriminations: (csak a napirendben szerepelt k\u00fcl\u00f6n di\u00e1k nem voltak r\u00f3la, de szerintem k\u00fcl\u00f6n\u00f6sen \u00e9rdekes t\u00e9ma).<\/li><\/ul><\/li><\/ol><p>Az egyik gondolat, hogy a v\u00e9dett tulajdons\u00e1gokon alap\u00fa direkt diszkrimin\u00e1ci\u00f3t k\u00f6nny\u0171 felismerni, de az indirekt \u00e9s a statisztikai alap\u00fat (ami nem is sz\u00e1nd\u00e9kos) nem k\u00f6nny\u0171. P\u00e9ld\u00e1ul, ha sem a n\u0151ket, sem a feket\u00e9ket nem diszkrimi\u00e1ljuk, de m\u00e9gis megt\u00f6rt\u00e9nhet, hogy a fekete n\u0151ket (mint csoportot) diszkrimin\u00e1ci\u00f3 \u00e9r. Ezt h\u00edvj\u00e1k \u201eintersectional\u201d (?)<\/p><p>Hogyan lehet ez ellen fell\u00e9pni, megtiltani? Egy ir\u00e1ny lehet, hogy a POG \u00e9s az IDD eddig egy\u00e9ni szenl\u00e9let\u0171 tesztjeit, kollekt\u00edv szeml\u00e9letben is elv\u00e9gezz\u00fck.<\/p><p>(K\u00f6zj\u00e1t\u00e9k: Az Amerikai aktu\u00e1riusok nem v\u00e1ltoztattak a DEI ir\u00e1nti elk\u00f6telezetts\u00e9g\u00fck\u00f6n.)<\/p><p>Fontos, hogy legyen kapcsolat a m\u00e9rs\u00e9kelt fogyaszt\u00f3v\u00e9delmi csoportokkal; fontos, hogy elhiggy\u00e9k, hogy az aktu\u00e1rius igenis lehet val\u00f3ban f\u00fcggetlen. Elrettent\u0151 p\u00e9ldak\u00e9nt ker\u00fclt el\u0151 a Finance Watch, amely azt k\u00f6veteli, hogy a biztos\u00edt\u00e1si kock\u00e1zatok\/aj\u00e1nlatok elfogad\u00e1s\u00e1t ne el\u0151zze meg ex ante inform\u00e1ci\u00f3 gy\u0171jt\u00e9se, csak a biztos\u00edt\u00e1si szerz\u0151d\u00e9se alatt \u00f6sszegy\u0171lt inform\u00e1ci\u00f3 legyen felhaszn\u00e1lhat\u00f3.<\/p><p>\u00cdgy megk\u00e9rd\u0151jelez\u0151v\u00e9 v\u00e1lik a biztos\u00edt\u00e1sok l\u00e9nyege. K\u00e9rd\u00e9s, hogy a k\u00f6z\u00f6ss\u00e9g t\u00e1j\u00e9koztat\u00e1s\u00e1val megoldhat\u00f3-e a probl\u00e9ma.<\/p><ul><li>Climate protection gap<\/li><\/ul><p>Az elm\u00falt \u00e9vekben megfigyelhet\u0151 a term\u00e9szeti katasztr\u00f3f\u00e1kb\u00f3l sz\u00e1rmaz\u00f3 k\u00e1rok alulbiztos\u00edtotts\u00e1g\u00e1nak n\u00f6veked\u00e9se. Nem vil\u00e1gos, hogy ennek az az oka, hogy a biztos\u00edt\u00f3l elutas\u00edtj\u00e1k az aj\u00e1nlatokat vagy ki\u00e1razz\u00e1k magukat vagy az (amire Lutz r\u00e1mutatott), hogy az ingatlanok tulajdonosai nem tudj\u00e1k megfizetni a kor\u00e1bban tulajdonukba ker\u00fclt ingatlan megn\u00f6vekedett \u00e9rt\u00e9k\u00e9b\u0151l \u00e9s kock\u00e1zataib\u00f3l fakad\u00f3 megn\u00f6vekedett biztos\u00edt\u00e1si d\u00edjakat.<\/p><p><span style=\"color: #0000ff;\">Az \u00f6nk\u00e9ntesek felm\u00e9r\u00e9se sor\u00e1n kider\u00fclt, hogy t\u00f6bb t\u00e1rsszervezet\u00fcnknek van ESG szakmai csoportja. MAT-ban is meg lehetne pr\u00f3b\u00e1lni.<\/span><\/p><p>\u00a0<\/p><ol start=\"4\"><li>FIDA: ez is egy \u00e9rdekes \u00faj t\u00e9ma. \u00dajabb terheket r\u00f3 az EU kezdem\u00e9nyez\u00e9se a biztos\u00edt\u00f3kra az API kifejleszt\u00e9se, a nagyobb biztos\u00edt\u00f3k nem b\u00e1nj\u00e1k, a kicsiket jobban terhelik. Az API-t 2027-ig kell kifejleszteni, a \u00a0Level 1 regulation szerint, a Level2 k\u00e9s\u0151bb specifik\u00e1lja a r\u00e9szleteket.<\/li><\/ol><p>Az val\u00f3sz\u00edn\u0171, hogy m\u00e9g tov\u00e1bb egyedies\u00edtheti az \u00e1rat, ami egyesek szerint n\u00f6velheti a diszkrimin\u00e1ci\u00f3t, m\u00e1sok szerint nem.<\/p><p>Han\u00e1k G\u00e1bor \u00fagy v\u00e9lte, hogy aki nem osztja meg az adatot h\u00e1tr\u00e1nyba ker\u00fclhet. Vita bontakozott volna ki, de nem volt r\u00e1 id\u0151 (\u00e9n sem \u00e9rtette volna egyet felt\u00e9tlen\u00fcl). <span style=\"color: #0000ff;\">Ezt is fel lehetne dolgozni MAT rendezv\u00e9nyen, ak\u00e1r valamilyen vita form\u00e1j\u00e1ban.<\/span><\/p><ol start=\"5\"><li>\u2013<\/li><li>\u2013<\/li><li>\u2013<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab79225 e-flex e-con-boxed e-con e-parent\" data-id=\"ab79225\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ff9f046 e-con-full e-flex e-con e-child\" data-id=\"ff9f046\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18c257f elementor-widget elementor-widget-heading\" data-id=\"18c257f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Han\u00e1k G\u00e1bor<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f975981 e-con-full e-flex e-con e-child\" data-id=\"f975981\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df260f0 elementor-widget elementor-widget-heading\" data-id=\"df260f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">AI-DS WG (Art Int \u2013 Data Sci munkacsoport) meeting<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9435e70 elementor-widget elementor-widget-text-editor\" data-id=\"9435e70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2025 Szeptember 25.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fc950a elementor-widget elementor-widget-n-accordion\" data-id=\"8fc950a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1500\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1500\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6sszefoglal\u00f3 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1500\" class=\"elementor-element elementor-element-9e47a30 e-con-full e-flex e-con e-child\" data-id=\"9e47a30\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94d1412 elementor-widget elementor-widget-text-editor\" data-id=\"94d1412\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\" style=\"text-align: justify;\">Az eln\u00f6k elmes\u00e9lte a leg\u00fajabb EU-s fejlem\u00e9nyeket.<br \/>1. Az egyik EIOP\u00c1-s megbesz\u00e9l\u00e9sen az EIOPA k\u00e9pvisel\u0151i felvetett\u00e9k azt, hogy az aktu\u00e1riusi funkci\u00f3t vajon ki lehetne-e terjeszteni olyan \u00e9rtelemben, hogy az foglalkozzon a magas kock\u00e1zat\u00fa AI rendszerekkel (ami az AI Act III. mell\u00e9klete szerint az aktu\u00e1riusilag relev\u00e1ns t\u00e9m\u00e1k k\u00f6z\u00fcl a mag\u00e1nszem\u00e9lyek sz\u00e1m\u00e1ra ny\u00fajtott \u00e9let- \u00e9s eg\u00e9szs\u00e9gbiztos\u00edt\u00e1st foglalja mag\u00e1ba). Ld. a csatolt mell\u00e9kletet.<br \/>2. A m\u00faltkori megbesz\u00e9l\u00e9sen felmer\u00fclt az, hogy besz\u00e9lj\u00fcnk a diszkrimin\u00e1ci\u00f3r\u00f3l; ezzel a munkacsoport meg fogja v\u00e1rni az IAA erre vonatkoz\u00f3 anyag\u00e1t, \u00e9s egy k\u00e9s\u0151bbi \u00fcl\u00e9sen lesz err\u0151l r\u00e9szletes vita, amit majd a ProfC ill. a Board el\u00e9 terjeszt a munkacsoport.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b05d4c0 elementor-widget elementor-widget-heading\" data-id=\"b05d4c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">AAE Professionalism Comittee<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-133b88b elementor-widget elementor-widget-text-editor\" data-id=\"133b88b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2025 Szeptember 26.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf0b80 elementor-widget elementor-widget-n-accordion\" data-id=\"1cf0b80\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3030\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3030\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6sszefoglal\u00f3 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3030\" class=\"elementor-element elementor-element-ce1d97b e-con-full e-flex e-con e-child\" data-id=\"ce1d97b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7361d74 elementor-widget elementor-widget-text-editor\" data-id=\"7361d74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\" style=\"text-align: justify;\"><strong>1. Statutes, Internal Regulations &amp; CoPC<\/strong> (napirend 3.2). <br \/>Valamennyi dokumentumot elfogadta a bizotts\u00e1g, \u00e9s ezek ezt k\u00f6vet\u0151en a K\u00f6zgy\u0171l\u00e9sen lettek megt\u00e1rgyalva, majd (egyhang\u00faan) elfogadva.<br \/>Ami a MAT sz\u00e1m\u00e1ra fontos teend\u0151: az \u00faj CoPC 2027. janu\u00e1r 1-\u00e9n l\u00e9p hat\u00e1lyba. Ez\u00e9rt fontos lenne addig minden olyan v\u00e1ltoz\u00e1st \u00e1tvezetni a MAT Etikai Szab\u00e1lyzat\u00e1ba, amelyet az jelenleg nem fed le. Ennek \u00e9rdek\u00e9ben fel kellene k\u00e9rni az Etikai Bizotts\u00e1got, hogy vizsg\u00e1lja meg azt, hogy sz\u00fcks\u00e9ges-e ilyen m\u00f3dos\u00edt\u00e1s, \u00e9s ha igen, akkor fogalmazz\u00e1k meg az erre ir\u00e1nyul\u00f3 javaslataikat.<br \/><strong>2. Standards<\/strong> (napirend 4.1)<br \/>Az AAE egyr\u00e9szt er\u0151sen lobbizott az IAA szabv\u00e1ny bizotts\u00e1g\u00e1ban, hogy az ISAP1 m\u00f3dos\u00edt\u00e1si tervezete olyan legyen, amit az AAE is el tud majd fogadni, m\u00e1sr\u00e9szt azt az elvet fogja k\u00f6vetni, hogy ne legyen semmi k\u00fcl\u00f6nbs\u00e9g a majd elfogadott, m\u00f3dos\u00edtott ISAP1 \u00e9s az ez alapj\u00e1n m\u00f3dos\u00edtand\u00f3 ESAP1 k\u00f6z\u00f6tt. Az IAA kiadta a m\u00f3dos\u00edt\u00e1s tervezet\u00e9t, amit a MAT is v\u00e9lem\u00e9nyzeni fog. Amikor majd v\u00e9gleges lesz az \u00faj ISAP1 (\u00e9s ennek megfelel\u0151en az ESAP1), akkor a MAT-nak is \u00e1t kell majd tekintenie az AMGySz1-et, hogy az alapvet\u0151 konzisztencia fennmaradjon.<br \/><strong>3. AI-DS<\/strong> (napirend 5.1)<br \/>A munkacsoport vezet\u0151je besz\u00e1molt az elv\u00e9gzett, \u00e9s a tervezett munk\u00e1r\u00f3l. Sz\u00f3ba ker\u00fclt a lenti II.1. t\u00e9ma. Ld. lent.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5267ac8 e-flex e-con-boxed e-con e-parent\" data-id=\"5267ac8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6471e00 e-con-full e-flex e-con e-child\" data-id=\"6471e00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24d81c2 elementor-widget elementor-widget-heading\" data-id=\"24d81c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kov\u00e1cs Erzs\u00e9bet<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-07f8348 e-con-full e-flex e-con e-child\" data-id=\"07f8348\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-099ed25 elementor-widget elementor-widget-heading\" data-id=\"099ed25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">AAE Education Committee<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e34028 elementor-widget elementor-widget-text-editor\" data-id=\"4e34028\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2025 Szeptember 25.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8143bf8 elementor-widget elementor-widget-n-accordion\" data-id=\"8143bf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1350\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1350\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6sszefoglal\u00f3 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1350\" class=\"elementor-element elementor-element-5fd9a72 e-con-full e-flex e-con e-child\" data-id=\"5fd9a72\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b644fa elementor-widget elementor-widget-text-editor\" data-id=\"0b644fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\" style=\"text-align: justify;\"><span lang=\"HU\">Az el\u0151zetesen megk\u00fcld\u00f6tt Napirend szerint 11 t\u00e9ma szerepelt a list\u00e1n. Ezek nem egyenletesen hosszan ker\u00fcltek megbesz\u00e9l\u00e9sre, ez\u00e9rt a besz\u00e1mol\u00f3ban \u00e9n is a l\u00e9nyeges t\u00e9m\u00e1kat emelem ki. \u00a0<b>Han\u00e1k G\u00e1bor is ott volt az \u00fcl\u00e9s\u00fcnk\u00f6n<\/b>, akt\u00edvan, t\u00f6bb t\u00e9m\u00e1hoz is hozz\u00e1sz\u00f3lt, ez\u00e9rt az \u0151 besz\u00e1mol\u00f3j\u00e1val egy\u00fctt \u00e9rdemes ezt a r\u00e9szt olvasni. <\/span><\/p><p class=\"MsoNormal\" style=\"text-align: justify;\"><span lang=\"HU\">2. t\u00e9ma: az el\u0151z\u0151 id\u0151szakban k\u00e9t \u00fcl\u00e9s volt, Edinburghban \u00e1prilisban szem\u00e9lyes jelenl\u00e9ttel, j\u00faniusban virtu\u00e1lisan. \u00c9rdekess\u00e9g, hogy <b>az eml\u00e9keztet\u0151t az AI k\u00e9sz\u00edtette, de ebben t\u00f6bb pontatlans\u00e1g szerepelt<\/b>, ez\u00e9rt m\u00e9g jav\u00edt\u00e1sra ker\u00fcl. <\/span><\/p><p class=\"MsoNormal\" style=\"text-align: justify;\"><span lang=\"HU\">3. t\u00e9ma: a COMPETENCY FRAMEWORK (CF) Task Force besz\u00e1mol\u00f3ja, \u00e9s az ehhez kapcsol\u00f3d\u00f3 prezent\u00e1ci\u00f3 \u00e9s vita t\u00f6bb mint egy \u00f3r\u00e1t ig\u00e9nyelt. A munkacsoport vezet\u0151je az EDU bizotts\u00e1g aleln\u00f6ke, Ramona Dolan tartott bevezet\u0151t, ahol <b>az AAE aktu\u00e1riusok sz\u00e1m\u00e1ra 6 kompetencia <\/b>gy\u00e9m\u00e1ntot v\u00e1zolt fel, amelyek el\u0151zetesen alaposan megvitatott, m\u00e9gis <b>hossz\u00fa list\u00e1ba szedett alt\u00e9m\u00e1kat<\/b> foglaltak \u00f6ssze. <\/span><\/p><p class=\"MsoNormal\" style=\"text-align: justify;\"><span lang=\"HU\">Az\u00e9rt kell erre kiemelten figyelni a MAT-nak is, mert a CF kidolgoz\u00e1sa \u00e9s elfogad\u00e1sa ut\u00e1n az AAE tagszervezetei megkapj\u00e1k az anyagot, hogy ennek alapj\u00e1n fejleszteni tudj\u00e1k mind az oktat\u00e1st, mind a CPD programokat. Ha pedig ez megt\u00f6rt\u00e9nik, akkor a kor\u00e1bbi tapasztalatok alapj\u00e1n innen m\u00e1r csak egy l\u00e9p\u00e9s az, hogy be kell sz\u00e1molni a megval\u00f3s\u00edt\u00e1sr\u00f3l, amit az EDU Bizotts\u00e1g ellen\u0151rizhet is. <\/span><\/p><p class=\"MsoNormal\"><span lang=\"HU\">A 6 kompetencia keret elnevez\u00e9seket angolul \u00edrom, hogy ne legyen f\u00e9lreford\u00edt\u00e1s vagy saj\u00e1t \u00e9rtelmez\u00e9s, \u00e9s ezekhez n\u00e9h\u00e1ny megjegyz\u00e9s:<\/span><\/p><p class=\"MsoListParagraphCxSpFirst\" style=\"text-indent: -18.0pt; mso-list: l0 level1 lfo1;\"><!-- [if !supportLists]--><span lang=\"HU\">1.<span style=\"font-style: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';\">\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><!--[endif]--><b><span lang=\"HU\">Strategic thinking and problem solving<\/span><\/b><span lang=\"HU\"> \u2013 ez v\u00e1ltotta ki a legnagyobb vit\u00e1t, Han\u00e1k G\u00e1bor is kiemelte, hogy ez nem lehet \u00e1ltal\u00e1nos k\u00f6vetelm\u00e9ny, nem sz\u00fcks\u00e9ges minden aktu\u00e1riusnak ez.\u00a0 A Board tagokt\u00f3l lehet elv\u00e1rni ezt.\u00a0 Egy m\u00e1sik hozz\u00e1sz\u00f3l\u00f3 szerint ez r\u00e9sze a szakmais\u00e1gnak, ami a 2. pontban szerepel.<\/span><\/p><p class=\"MsoListParagraphCxSpMiddle\" style=\"text-indent: -18.0pt; mso-list: l0 level1 lfo1;\"><!-- [if !supportLists]--><span lang=\"HU\">2.<span style=\"font-style: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';\">\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><!--[endif]--><b><span lang=\"HU\">Professional conduct<\/span><\/b><span lang=\"HU\"> \u2013 az aktu\u00e1riusi viselked\u00e9s eleme a rugalmass\u00e1g, stresszt\u0171r\u00e9s, de itt vitathat\u00f3, hogy mit lehet oktatni vagy CPD-ben fejleszteni, \u00e9s mi az egy\u00e9ni adotts\u00e1g. <\/span><\/p><p class=\"MsoListParagraphCxSpMiddle\" style=\"text-indent: -18.0pt; mso-list: l0 level1 lfo1;\"><!-- [if !supportLists]--><span lang=\"HU\">3.<span style=\"font-style: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';\">\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><!--[endif]--><b><span lang=\"HU\">Actuarial and analytical expertise<\/span><\/b><span lang=\"HU\"> \u2013 ezen bel\u00fcl sz\u00e1mos tant\u00e1rgyblokk szerepelt, v\u00e9g\u00fcl is legink\u00e1bb ez kapcsol\u00f3dik az oktat\u00e1shoz. A tant\u00e1rgyak felsorol\u00e1sa helyett nagyobb t\u00e9mak\u00f6r\u00f6ket eml\u00edtett Ramona. <\/span><\/p><p class=\"MsoListParagraphCxSpMiddle\" style=\"text-indent: -18.0pt; mso-list: l0 level1 lfo1;\"><!-- [if !supportLists]--><span lang=\"HU\">4.<span style=\"font-style: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';\">\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><!--[endif]--><b><span lang=\"HU\">Business context and compliance<\/span><\/b><span lang=\"HU\"> &#8211; a megfelel\u0151s\u00e9g mindent mag\u00e1ban foglal, itt is vitathat\u00f3, hogy mit lehet oktatni vagy CPD-ben fejleszteni, ez\u00e9rt v\u00e1rom az anyag m\u00e1sodik verzi\u00f3j\u00e1t. <\/span><\/p><p class=\"MsoListParagraphCxSpMiddle\" style=\"text-indent: -18.0pt; mso-list: l0 level1 lfo1;\"><!-- [if !supportLists]--><span lang=\"HU\">5.<span style=\"font-style: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';\">\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><!--[endif]--><b><span lang=\"HU\">Managing risk<\/span><\/b><span lang=\"HU\"> \u2013 ez olyan mag\u00e1t\u00f3l \u00e9rthet\u0151, hogy nem is volt r\u00f3la komolyabb vita. B\u00e1r az \u00faj t\u00e9m\u00e1k, a kl\u00edmakock\u00e1zat, a kiberbiztons\u00e1g, a fenntarthat\u00f3s\u00e1g, az AI haszn\u00e1lat, stb. itt is eml\u00edthet\u0151ek. <\/span><\/p><p class=\"MsoListParagraphCxSpLast\" style=\"text-indent: -18.0pt; mso-list: l0 level1 lfo1;\"><!-- [if !supportLists]--><span lang=\"HU\">6.<span style=\"font-style: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';\">\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><!--[endif]--><b><span lang=\"HU\">Communication and Collaboration <\/span><\/b><span lang=\"HU\">\u2013 ez a kedvencem, mert ebbe tartozik az \u201eactive listening\u201d, ami szinte term\u00e9szetes, hogy nemcsak egym\u00e1sra figyelnek az aktu\u00e1riusok, hanem a m\u00e1s munkak\u00f6rben dolgoz\u00f3kra is. <\/span><\/p><p class=\"MsoNormal\" style=\"margin-left: 18.0pt;\"><span lang=\"HU\">Z\u00e1rszav\u00e1ban Rafael Moreno eln\u00f6k k\u00e9rte, hogy jelezz\u00fck, mi hi\u00e1nyzik, mi lehet CPD program, \u00e9s mi lehet stabil r\u00e9sze a CF-nek. Erre egy \u00e9v\u00fcnk van, mert a 2026. \u0151szi \u00fcl\u00e9sen t\u00e9r\u00fcnk erre vissza. <\/span><\/p><p class=\"MsoNormal\" style=\"margin-left: 18.0pt;\"><span lang=\"HU\">4. t\u00e9ma: sz\u00e1mos \u00faj t\u00e9ma ker\u00fclt sz\u00f3ba, p\u00e9ld\u00e1ul a <b>hallgat\u00f3i mobilit\u00e1s<\/b>, amir\u0151l a munkacsoport 2026. \u0151sz\u00e9n fog r\u00e9szletesen besz\u00e1molni. Ez sz\u00e1munkra is nagyon hasznos lenne. <\/span><\/p><p class=\"MsoNormal\" style=\"margin-left: 18.0pt;\"><span lang=\"HU\">K\u00e9t oktat\u00e1sba bevon\u00e1sra ker\u00fcl\u0151 t\u00e9mak\u00f6rt is v\u00e1zoltak r\u00f6viden. Ezek a) Education on Sustainability b) Education on Cybersecurity. Itt l\u00e9nyeg\u00e9ben az \u00f6nk\u00e9ntesek jelentkez\u00e9s\u00e9t k\u00e9rt\u00e9k, a munkacsoportok m\u0171k\u00f6d\u00e9s\u00e9nek alapelveit r\u00f6gz\u00edtett\u00fck. <\/span><\/p><p class=\"MsoNormal\" style=\"margin-left: 18.0pt;\"><span lang=\"HU\">Henning az mondta, hogy tan\u00edtani kell ezeket, ahogy a kl\u00edmav\u00e1ltoz\u00e1st is, akkor is, ha egy aktu\u00e1rius nem lesz ennek szak\u00e9rt\u0151je. De ki tan\u00edtsa? Az olasz koll\u00e9ga szerint n\u00e1luk vannak a fenntarthat\u00f3s\u00e1g oktat\u00e1sban pozit\u00edv tapasztalatok, de f\u0151leg a befektet\u00e9si ismeretek ter\u00e9n, mert ez nemcsak \u00e1ltal\u00e1ban a biztos\u00edt\u00e1sban, hanem a nyugd\u00edjban is fontos. Rafael szerint az aktu\u00e1rius nem kiberbiztons\u00e1gi szak\u00e9rt\u0151, de k\u00f6zel van ez a t\u00e9ma hozz\u00e1nk. \u00d6sszegz\u00e9s: <b>a Core Syllabus review sz\u00fcks\u00e9ges lesz.<\/b>\u00a0 Ez\u00a0 sz\u00e1momra az\u00e9rt aggaszt\u00f3, hiszen t\u00fal gyakran v\u00e1ltoztatunk, az egyetemi oktat\u00e1st nem lehet 2-3 \u00e9vente \u00e1talak\u00edtani. T\u00f6bb h\u00e1rul majd a CPD-re, a MAT tavaszi \u00e9s \u0151szi programjaira. <\/span><\/p><p class=\"MsoNormal\" style=\"margin-left: 18.0pt;\"><span lang=\"HU\">5. t\u00e9ma: IAA developments: id\u0151 hi\u00e1ny\u00e1ban r\u00f6vid \u00e1ttekint\u00e9st adott Henning. H\u00e1rom f\u0151bb t\u00e9ma van napirenden, mindh\u00e1romban van eur\u00f3pai k\u00e9pvisel\u0151, t\u0151l\u00fck kapunk majd betekint\u00e9st, ha elk\u00e9sz\u00fclnek. <\/span><\/p><p class=\"MsoNormal\" style=\"margin-left: 18.0pt;\"><span lang=\"HU\">6. t\u00e9ma: Europen Congress of Actuaries: 2026. j\u00fanius\u00e1ban P\u00e1rizsban lesz.\u00a0 Ide lehet jelentkezni el\u0151ad\u00e1ssal. European Actuarial Day\u00a0 2025. november 3., ez online \u00e9s itt megh\u00edvott el\u0151ad\u00f3k lesznek. <\/span><\/p><p class=\"MsoNormal\" style=\"margin-left: 18.0pt;\"><span lang=\"HU\">7. t\u00e9ma: Webinar \u2013 b\u00e1rmelyik bizotts\u00e1g aj\u00e1nlhat t\u00e9m\u00e1t, ami a list\u00e1ra ker\u00fcl. Tov\u00e1bb\u00e1 a Competency Framework \u2013 ha elk\u00e9sz\u00fcl \u2013 ide felker\u00fclhet. <\/span><\/p><p class=\"MsoNormal\" style=\"margin-left: 18.0pt;\"><span lang=\"HU\">8. t\u00e9ma: EAA oktat\u00e1si programok, ezekre rendre kapunk megh\u00edv\u00e1st. <\/span><\/p><p class=\"MsoNormal\" style=\"margin-left: 18.0pt;\"><span lang=\"HU\">A tov\u00e1bbi t\u00e1j\u00e9koztat\u00e1sokat mindenki megkapta. <\/span><\/p><p class=\"MsoNormal\" style=\"margin-left: 18.0pt;\"><span lang=\"HU\">2026. \u00e1prilis\u00a0 23, Ciprus, Limassol<\/span><\/p><p><span lang=\"HU\" style=\"font-size: 12.0pt; line-height: 115%; font-family: 'Aptos',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Aptos; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: HU; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;\">2026. okt\u00f3ber 8. Malaga (Rafael szerint ez a d\u00e1tum m\u00e9g v\u00e1ltozhat.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cbbd5d6 e-flex e-con-boxed e-con e-parent\" data-id=\"cbbd5d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-02cec9e e-con-full e-flex e-con e-child\" data-id=\"02cec9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00b73b9 elementor-widget elementor-widget-heading\" data-id=\"00b73b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kov\u00e1cs Judit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc4b997 e-con-full e-flex e-con e-child\" data-id=\"bc4b997\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c2f41a elementor-widget elementor-widget-heading\" data-id=\"6c2f41a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">AAE Joint meeting of Insurance, Pensions and Risk Management Committees;\nAAE Risk Management Committee<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b07ef2c elementor-widget elementor-widget-text-editor\" data-id=\"b07ef2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2025 Szeptember 25.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b7ce54 elementor-widget elementor-widget-n-accordion\" data-id=\"7b7ce54\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1290\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1290\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6sszefoglal\u00f3 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1290\" class=\"elementor-element elementor-element-a9f510c e-con-full e-flex e-con e-child\" data-id=\"a9f510c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-730b9d4 elementor-widget elementor-widget-text-editor\" data-id=\"730b9d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong style=\"font-size: 16px;\">JOINT MEETING OF INSURANCE, PENSIONS AND RISK MANAGEMENT COMMITTEES<\/strong><\/p><p><strong>Agenda: <\/strong><\/p><ol><li><u>How to boost investment return for long term savings (napirend 2) &#8211; Marit Kosmeijer<\/u><\/li><\/ol><ul><li>Holland el\u0151ad\u00e1s alternat\u00edv befektet\u00e9sekr\u0151l \u00e9s mit \u00e9rdemes r\u00f3luk az aktu\u00e1riusoknak tudniuk.<\/li><li>Kock\u00e1zat-hozam a hagyom\u00e1nyos szempontok, de ehhez az alternat\u00edv eszk\u00f6zoszt\u00e1lyok eset\u00e9n bej\u00f6n m\u00e1s szempont is: likvidit\u00e1s, komplexit\u00e1s, ESG. Illikvidit\u00e1s, komplexit\u00e1s extra hozammal j\u00e1rhat.<\/li><li>Alternat\u00edv eszk\u00f6zoszt\u00e1lyok lehetnek: private equity, venture capital, private dept, farmland, crypto<\/li><\/ul><p>Pl. eg\u00e9szs\u00e9gbiztos\u00edt\u00f3k fektetnek saj\u00e1t szektor innov\u00e1ci\u00f3ba (healthcare venture capital)<\/p><ul><li>Fontos t\u00e9m\u00e1kat vetett fel a k\u00f6z\u00f6ns\u00e9g: model risk, \u00fcgyfelek t\u00e1j\u00e9koztat\u00e1sa a kock\u00e1zatokr\u00f3l<\/li><\/ul><ol start=\"2\"><li><u>The European AI Act from actuarial perspective \u2013 Bogdan Tautan<\/u><\/li><\/ol><ul><li>EU szab\u00e1lyoz\u00e1sa a leg\u00e1tfog\u00f3bb jelenleg vs US, K\u00edna<\/li><li>\u2019European AI Office\u2019: AI Board, Scientific Panel, Advisory Forum. Ez ut\u00f3bbiban az AAE deleg\u00e1ltja is kapott helyet.<\/li><li>Egy gyakorlati alkalmaz\u00e1s \u2013kock\u00e1zati biztos\u00edt\u00e1s eg\u00e9szs\u00e9g\u00fcgyi kock\u00e1zatelb\u00edr\u00e1l\u00e1sa eset\u00e9n haszn\u00e1lt g\u00e9pi tanul\u00e1st alkalmaz\u00f3 modell. Val\u00f3sidej\u0171 hozz\u00e1f\u00e9r\u00e9ssel eg\u00e9szs\u00e9g\u00fcgyi adatokhoz, csak pozit\u00edv d\u00f6nt\u00e9shozatallal (nincs visszautas\u00edt\u00e1s)<\/li><li>Algorithm bias, Sample bias, Feature bias, Explainability, Model drift<\/li><\/ul><ol start=\"3\"><li><u>Konzult\u00e1ci\u00f3k, amelyekhez az AAE hozz\u00e1j\u00e1rult v\u00e9lem\u00e9nnyel (napirend 4) \u2013 Stephanos Hadjistyllis<\/u><\/li><\/ol><p>Elm\u00falt 12 h\u00f3napban az AAE 23 konzult\u00e1ci\u00f3ban vett r\u00e9szt \u2013 ESG, SII, AI t\u00e9m\u00e1k k\u00f6r\u00fcl f\u0151k\u00e9pp. Legut\u00f3bbiak voltak:<\/p><ul><li>European Commission public consultation on supplementary pensions (Pensions, IORP) \u2013 MAT k\u00fcld\u00f6tt \u00e9szrev\u00e9teleket<\/li><li>European Commission public consultation on Solvency II Delegated Regulation (S2) \u2013 MAT k\u00fcld\u00f6tt \u00e9szrev\u00e9teleket<\/li><li>EIOPA Consultation for Insurance Stress Testing and the incorporation on ESG Factors (ESG) \u2013 MAT k\u00fcld\u00f6tt \u00e9szrev\u00e9teleket<\/li><li>EC Consultation Call for Evidence on Digital Omnibus (AI) &#8211; folyamatban<\/li><\/ul><p>K\u00f6zelj\u00f6v\u0151ben \u00e9s 2026-ban is sok konzult\u00e1ci\u00f3 v\u00e1rhat\u00f3, pl:<\/p><ul><li>EIOPA: IRRD, Solvency II t\u00e9m\u00e1kban (matching adjustment, simplified risk margin, technical provisions, ring fenced funds, m\u00e1sodik csomag)<\/li><\/ul><p><strong><u>RISK MANAGEMENT COMMITTEE<\/u><\/strong><\/p><p><strong>Agenda: <\/strong><\/p><p>Second vice-chair Annina Pietinalho lett.<\/p><ol><li><u>TERMS OF REFERENCE \u2013 ROUTE TO IDENTITY AND PURPOSE (napirend 3) &#8211; Karel Goossens, Annina Pietinalho, Bogdan Tautan<\/u><\/li><\/ol><ul><li><em>A MAT Vezet\u0151s\u00e9g\u00e9n bel\u00fcli strat\u00e9giai c\u00e9lokr\u00f3l t\u00f6rt\u00e9nt besz\u00e9lget\u00e9shez j\u00f3l kapcsol\u00f3dik ez a t\u00e9ma. K\u00e9rd\u00e9s, hogy mit akarunk a kock\u00e1zatkezel\u00e9s ter\u00fclet\u00e9n mint aktu\u00e1rius t\u00e1rsas\u00e1g el\u00e9rni.<\/em><\/li><li>Jelenlegi ToR-b\u00f3l:<\/li><\/ul><p><em>\u201erepresent the views of the actuarial profession on matters of concern to the Risk Management Function and other formal roles, to any fields of risk management as defined by European legislation and regulation at least in the insurance and pensions areas;\u201d<\/em><\/p><p><em>\u201epromote and encourage the development of actuarial skills in risk management;\u201d<\/em><\/p><p><em>\u201emeeting and discussion platform for actuaries working in the indicated areas;\u201d<\/em><\/p><ul><li>2017-es ToR \u00e1tn\u00e9z\u00e9se kezd\u0151d\u00f6tt meg egy kis csoportban. K\u00e9rd\u00e9s hogyan lenne \u00e9rdemes a kock\u00e1zatkezel\u00e9si t\u00e9m\u00e1k k\u00f6r\u00e9 szervez\u0151dni, hogy nagyobb hat\u00e1sunk legyen. Sok az \u00e1tfed\u00e9s m\u00e1s bizotts\u00e1gokkal.<\/li><li>K\u00e9rd\u0151\u00edv arr\u00f3l, hogyan szervez\u0151dnek az aktu\u00e1rius t\u00e1rsas\u00e1gok a Risk management t\u00e9m\u00e1k tekintet\u00e9ben: 7 v\u00e1lasz \u00e9rkezett eddig &#8211; bele\u00e9rtve a mienket.<\/li><li>Nem mindenhol van k\u00fcl\u00f6n Risk management committee.<\/li><li>Risk management sokszor nem k\u00fcl\u00f6n \u2019discipline\u2019, hanem szerves r\u00e9sze az aktu\u00e1riusi gyarkolatnak \u00e9s szakmai sztenderdeknek. A kock\u00e1zatkezel\u00e9s mindenben ott van, amit az aktu\u00e1riusok csin\u00e1lnak.<\/li><li><strong>IFoA \u2013 UK:<\/strong><\/li><li>Practice boardok vannak (7): Finance and Investment, Life, Pension, General insurance, Health and Care, Risk Management, Sustainability, Life<\/li><li>RM Practice Board: 10-12 senior aktu\u00e1riusb\u00f3l \u00e1ll. 3 bizotts\u00e1ga van: Research Committe | Lifelong Learning Comittee (rendezv\u00e9nyeket szervez)| CRO Group<\/li><li>Amiben van fejl\u0151d\u00e9si lehet\u0151s\u00e9g: nem IfoA szervez\u00e9s\u0171 esem\u00e9nyek (pl. CERA, AAE) , ActuView n\u00e9pszer\u0171s\u00edt\u00e9se<\/li><li>Az \u00e9letp\u00e1lya legt\u00f6bbsz\u00f6r els\u0151dlegesen pl \u00e9let aktu\u00e1riusk\u00e9nt kezd\u0151dik, m\u00e1sodsorban kock\u00e1zatkezel\u0151k lesznek, majd ut\u00e1na CRO-k.<\/li><li><strong>\u00cd<\/strong><strong>rorsz\u00e1g<\/strong>:<\/li><li>T\u00f6bb 2-3 f\u0151s albizotts\u00e1gban dolgozik a Risk committe, specifikus c\u00e9lokkal, f\u00f3kusszal:<\/li><\/ul><p>External engagement subgroup | Regulations subgroup | Emerging risks subgroup<\/p><ul><li>CRO eventet szerveznek<\/li><li>Felmer\u00fclt, hogy jobban ki kellene hangs\u00falyoznunk, amikor egy t\u00e9m\u00e1val elkezd\u00fcnk foglalkozni, hogy mi\u00e9rt tessz\u00fck \u00e9s mit akarunk vele el\u00e9rni.<br \/>De kutat\u00e1sok eset\u00e9n az \u00f6nk\u00e9ntesek toborz\u00e1sakor fogadjuk el azt is, hogy ha azonnali hat\u00e1st nem l\u00e1tunk pl egy \u00fajszer\u0171 kock\u00e1zat\/t\u00e9ma eset\u00e9n.<\/li><li>K\u00f6vetkez\u0151 virtu\u00e1lis esem\u00e9nyt \u00e9rdemes lenne a ToR k\u00f6r\u00e9 szervezni, hogy nagyobb k\u00f6rben \u00e9s hosszabban besz\u00e9lj\u00fcnk r\u00f3la.<\/li><\/ul><ol start=\"2\"><li><u>(Geo)Political risks and risk rating &#8211; Jean-Baptiste Ory, Head of Political Risks at AON<\/u><\/li><\/ol><ul><li>K\u00fcls\u0151s el\u0151ad\u00f3 AON Insurance Broker-t\u0151l<\/li><li>Top5 geopolitikai kock\u00e1zat 2025:<ol><li>Uncertain States of America<\/li><li>Red line geopolitics (pl. EU \u2013 orosz dr\u00f3nok PL felett)<\/li><li>Global trade war<\/li><li>Rising political violence (terrorizmus, sztr\u00e1jkok\/felkel\u00e9sek, h\u00e1bor\u00fak)<\/li><li>Digital concentration risk<\/li><\/ol><\/li><li>Biztosit\u00e1si megold\u00e1sok, amik v\u00e9dhetik a befektet\u00e9seket, a szerz\u0151d\u00e9seket (P&amp;L-t, j\u00f6v\u0151beli cashflowt), embereket<\/li><li>Felmer\u00fclt, hogy \u00e9rdemes lenne a CRO Forummal felvenni a kapcsolatot emerging risk t\u00e9m\u00e1kban, esetleg megh\u00edvni az RMC \u00fcl\u00e9s\u00e9re.<\/li><\/ul><p><u>Emerging Risk Radar<\/u><\/p><p>El\u0151z\u0151 alkalommal Edinburgh-ban egyezt\u00fcnk meg, hogy \u00e9rdemes figyelemmel k\u00eds\u00e9rni a CRO Forum Emering Risk Radarj\u00e1t, aminek 2025-\u00f6s kiad\u00e1sa is megjelent.<\/p><ol start=\"3\"><li><u>Konzult\u00e1ci\u00f3k, amelyekhez az AAE hozz\u00e1j\u00e1rult v\u00e9lem\u00e9nnyel (napirend 6.1) \u2013 Stephanos Hadjistyllis<\/u><\/li><\/ol><p>Az elm\u00falt \u00e9v 23 konzult\u00e1ci\u00f3j\u00e1b\u00f3l az al\u00e1bbiakat emelt\u00e9k ki:<\/p><ul><li>EIOPA consultation on AI Governance and Risk management: Els\u0151 szektor specifikus konzult\u00e1ci\u00f3.<\/li><li>EC Consultation on High-Risk AI Systems<\/li><li>EC public consultation on Solvency II Delegated Regulation (S2)<\/li><\/ul><p>Tov\u00e1bb\u00e1 az elk\u00f6vetkez\u0151 id\u0151szakot n\u00e9zve fontos szab\u00e1lyoz\u00e1s a kock\u00e1zatkezel\u00e9si ter\u00fcleten az IRRD, amihez az AAE \u00e9szrev\u00e9teleket fog k\u00e9rni a tagszervezetekt\u0151l Q4 sor\u00e1n. Eredm\u00e9nyek\u00e9pp 2 fel\u00fcgyel\u0151 szerv is lesz a biztos\u00edt\u00f3k felett: Supervisory Authority mellett megjelenik a Resolution Authority.<\/p><ol start=\"4\"><li><u>Sustainability (napirend 7.1a \u00e9s 7.1b) \u2013 J\u00e9r\u00f4me Crugnola-Humbert a Sustainability and Climate Related Risks Working Group (SCrR WG) munk\u00e1j\u00e1r\u00f3l; Stephanos Hadjistyllis az AAE Own Sustainability Project-r\u0151l<\/u><\/li><\/ol><p>Az \u00faj chair: Frank Schiller<\/p><ul><li>Climate insurance protection gap in Europe (also w\/EIOPA) \u2013 az AAE szeretne ezekben konzult\u00e1ci\u00f3s partner lenni. A Non-life working group is dolgozik a t\u00e9m\u00e1n, \u00e9rdemes kollabor\u00e1lni.<\/li><\/ul><p><em>Climate Protection Gap: \u00f6nk\u00e9nteseket keresnek<\/em><\/p><ul><li>Own Sustainability projekt:<\/li><li>F\u00e1zisban a prioriz\u00e1lt t\u00e9m\u00e1kat azonositotta a WG<\/li><li>F\u00e1zisban ezen t\u00e9m\u00e1k kielemz\u00e9se t\u00f6rt\u00e9nt, aminek az eredm\u00e9nye a megosztott jelent\u00e9s \u00e9s javaslatok, amit a Boardnak fognak beterjeszteni.<\/li><\/ul><p>Kiemelte Stephanos, hogy nem sok hasonl\u00f3 szervezet foglalkozik \u00edgy a t\u00e9m\u00e1val m\u00e9g.<\/p><p><u>\u00a0<\/u><\/p><ol start=\"5\"><li><u>Model Risk (napirend 9.1) \u2013 Bogdan Tautan \/ Martin Melchior<\/u><\/li><\/ol><p>Sub-working group alakult model risk ter\u00fcletre f\u00f3kusz\u00e1lva (Martin Melchior, Sophie Kj\u00e6r-Hansen, Christoph Krischanitz, Kamil \u017d\u00e1k and Bogdan Tautan). Els\u0151 l\u00e9p\u00e9sk\u00e9nt az irodalmat pr\u00f3b\u00e1lta a csoport \u00e1tn\u00e9zni eddig, \u00e9s a javaslat egy Modell kock\u00e1zat discussion paper l\u00e9trehoz\u00e1sa a kutat\u00e1s eredm\u00e9nyek\u00e9pp.<\/p><p>Felmer\u00fclt m\u00e9g, hogy a \u2019Model misinterpretation risk\u2019-et (Malcolm) is \u00e9rdemes lefedni.<\/p><p><u>\u00a0<\/u><\/p><ol start=\"6\"><li><u>Pension Risk Management Committee WG (napirend 8.1) &#8211; Martin Melchior<\/u><\/li><\/ol><p>Pension Committee agend\u00e1j\u00e1n is szerepel.<\/p><ul><li>Edinburghban volt arr\u00f3l sz\u00f3, hogy 2026. \u00e1prilis\u00e1ra v\u00e1rhat\u00f3 egy draft discussion paper Pension Risk management t\u00e9m\u00e1ban. Elkezd\u0151d\u00f6tt a munka, mely sor\u00e1n (jogilag is) k\u00fcl\u00f6nf\u00e9le DB-DC rendszereket egy \u00fan. Quantitative Risk Management t\u00e1bl\u00e1zatban szeml\u00e9ltetnek, ami a kock\u00e1zatokat is bemutatja majd. Erre mutattak be egy p\u00e9ld\u00e1t.<\/li><li>Karel hozz\u00e1tette, hogy a Pension szab\u00e1lyoz\u00e1s eset\u00e9n figyelni kell arra, hogy az id\u0151horizontnak hossz\u00fa t\u00e1vnak kell lennie, ez\u00e9rt az SII szab\u00e1lyoz\u00e1s nem alkalmas teljesen.<\/li><\/ul><p><u>\u00a0<\/u><\/p><ol start=\"7\"><li><u>Conduct risk (napirend 10) \u2013 Stephen Wilcox<\/u><\/li><\/ol><p>K\u00f6vetkez\u0151 alkalommal ker\u00fcl erre a t\u00e9m\u00e1ra sor.<\/p><p><u>\u00a0<\/u><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a96be42 e-flex e-con-boxed e-con e-parent\" data-id=\"a96be42\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ea09a31 e-con-full e-flex e-con e-child\" data-id=\"ea09a31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4c76d2 elementor-widget elementor-widget-heading\" data-id=\"d4c76d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ker\u00e9nyi Istv\u00e1n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbcb5bc e-con-full e-flex e-con e-child\" data-id=\"dbcb5bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37638e7 elementor-widget elementor-widget-heading\" data-id=\"37638e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">AAE Joint meeting of Insurance, Pensions and Risk Management Committees;\nAAE Insurance Committee<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-568edf7 elementor-widget elementor-widget-text-editor\" data-id=\"568edf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2025 Szeptember 25.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c43405 elementor-widget elementor-widget-n-accordion\" data-id=\"4c43405\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7990\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7990\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6sszefoglal\u00f3 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7990\" class=\"elementor-element elementor-element-fed2b1c e-con-full e-flex e-con e-child\" data-id=\"fed2b1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b5d85f elementor-widget elementor-widget-text-editor\" data-id=\"4b5d85f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Biztos\u00edt\u00e1si-Nyugd\u00edj-Kock\u00e1zatkezel\u00e9si bizotts\u00e1gok egy\u00fcttes \u00fcl\u00e9se<\/strong><\/p><p>1. How to boost investment return for long term savings &#8211; Marit Kosmeijer<\/p><p>a fiatal holland koll\u00e9gan\u0151 5 alternat\u00edv befektet\u00e9si form\u00e1t sorolt fel, melyeket n\u00e9h\u00e1ny szempont szerint \u00e9rt\u00e9kelt:<\/p><p>&#8211; Private Equity: Nagy haszon, alacsony kock\u00e1zat, de illikvid<br \/>&#8211; Venture Capital: Nagy haszon, de nagy kock\u00e1zat \u00e9s illikvid<br \/>&#8211; Private Debt: Nem elemezte<br \/>&#8211; Farmland: Alacsony kock\u00e1zat, de alacsony hozam \u00e9s illikvid<br \/>&#8211; Crypto: Nagy haszon, likvid de nagy kock\u00e1zat<\/p><p>2. The European AI Act from actuarial perspective \u2013<\/p><p>A rom\u00e1n koll\u00e9ga az EU szab\u00e1lyoz\u00e1sr\u00f3l besz\u00e9lt, melyet \u00fatt\u00f6r\u0151 jelent\u0151s\u00e9g\u0171nek tart. A haszn\u00e1latnak felel\u0151snek kell lennie \u00e9s \u00f6sszhangban a t\u00f6bbi szab\u00e1lyoz\u00e1ssal. A modelleket a jogalkot\u00f3 n\u00e9gy csoportra osztja<br \/>-Heurisztikus<br \/>-El\u0151re jelz\u0151<br \/>-Matematikai <br \/>-Adatfeldolgoz\u00f3<\/p><p>Az aktu\u00e1riusi modellek jellemz\u0151en nem esnek a jogszab\u00e1ly hat\u00e1lya al\u00e1<\/p><p>3. Konzult\u00e1ci\u00f3k, amelyekhez az AAE hozz\u00e1j\u00e1rult v\u00e9lem\u00e9nnyel<\/p><p>23 ilyen konzult\u00e1ci\u00f3t sorolt fel a ciprusi koll\u00e9ga ezek t\u00e9m\u00e1i:<br \/>&#8211; kieg\u00e9sz\u00edt\u0151 nyugd\u00edjak<br \/>&#8211; S2<br \/>&#8211; AI<\/p><p><strong>Biztos\u00edt\u00e1si bizotts\u00e1g<\/strong><\/p><p>H\u00edrek az EIOPA h\u00e1za t\u00e1j\u00e1r\u00f3l:<br \/>Az EIOPA az al\u00e1bbi t\u00e9m\u00e1kon dolgozik:<br \/>&#8211; NATCAT kock\u00e1zatmegel\u0151z\u00e9s (AAE is dolgozik rajta)<br \/>&#8211; IDD<br \/>&#8211; Legyen \u00fcgyf\u00e9l-bar\u00e1tibb az elad\u00e1si folyamat<br \/>&#8211; Level 3 jogszab\u00e1ly a fenntarthat\u00f3s\u00e1gr\u00f3l<br \/>&#8211; A biztos\u00edt\u00f3k jelent\u00e9si terheinek cs\u00f6kkent\u00e9se<br \/>&#8211; A garanciarendszerek harmoniz\u00e1ci\u00f3ja<br \/>Elk\u00e9sz\u00fclt egy jelent\u00e9s az eur\u00f3z\u00f3na piacair\u00f3l. A biztos\u00edt\u00f3k \u00f6sszes technikai tartal\u00e9ka: 6,6*10^9 eur\u00f3<br \/>Szolvencia 2 fel\u00f3lvizsg\u00e1lat<br \/>A m\u00e1r elfogadott d\u00edrekt\u00edva \u00e9s a tervezett L2 2027 janu\u00e1r 30-\u00e1n fog hat\u00e1lyba l\u00e9pni.<br \/>Fontosabb v\u00e1ltoz\u00e1sok:<br \/>&#8211; Hossz\u00fa t\u00e1v\u00fa hozamok extrapol\u00e1ci\u00f3val k\u00e9sz\u00fclnek<br \/>&#8211; M\u00f3dosul a VA sz\u00e1m\u00edt\u00e1sa<br \/>&#8211; Risk Marginban a t\u0151ke k\u00f6lts\u00e9ge 4,75%-ra cs\u00f6kken \u00e9s bevezetnek egy \u00e9ves 0,96-os szorz\u00f3t<br \/>&#8211; A kamatkock\u00e1zat szcen\u00e1ri\u00f3i jelent\u0151sen megv\u00e1ltoznak<br \/>&#8211; N\u00e9h\u00e1ny helyen a felt\u00e9teles 0,5-\u00f6s korrel\u00e1ci\u00f3s faktor 0,25-re cs\u00f6kken<br \/>&#8211; L\u00e9trej\u00f6n a \u201eSmall and Non-Complex\u201d biztos\u00edt\u00f3i kateg\u00f3ria (SNCU)<br \/>&#8211; Finom\u00edtj\u00e1k a term\u00e9szeti katasztr\u00f3f\u00e1k szorz\u00f3it <br \/>&#8211; K\u00f6telez\u0151 lesz a \u201ePrudent Deterministic Valuation\u201d (az SNCU-k kiv\u00e9tel\u00e9vel)<br \/>(A MAT ez ellen tiltakozott, de az el\u0151ad\u00f3 szerint ebb\u0151l nem lesz visszal\u00e9p\u00e9s)<br \/>&#8211; Az SFRCR jelent\u00e9sben kell \u00edrni 5 oldalt a k\u00f6tv\u00e9nytulajdonosok fel\u00e9<\/p><p><b>Non-life munkacsoport:<br \/><\/b>K\u00e9t t\u00e9m\u00e1n dolgoznak:<br \/>-mez\u0151gazdas\u00e1gi biztos\u00edt\u00e1sok<br \/>&#8211; id\u0151j\u00e1r\u00e1s <br \/>Mivel a tagszervezetek jelent\u0151s r\u00e9sze nem adott v\u00e1laszt m\u00e9g nem tudnak k\u00f6vetkeztet\u00e9st levonni<br \/>IRRD:<br \/>Az \u00fctemez\u00e9s azonos lesz, mint az S2 <br \/>Level 3 jogszab\u00e1ly fog k\u00e9sz\u00fclni<br \/>A tervek szerint <br \/>&#8211; nem lesz maxim\u00e1lis harmoniz\u00e1ci\u00f3 az EU-n bel\u00fcl<br \/>&#8211; el\u0151zetes helyre\u00e1ll\u00edt\u00e1si tervet kell k\u00e9sz\u00edteni\u00fck a biztos\u00edt\u00f3knak, de az SNCU-knek nem<br \/>&#8211; A nemzeti fel\u00fcgyeleti hat\u00f3s\u00e1g a nemzeti cs\u0151dhat\u00f3s\u00e1ggal egy\u00fctt int\u00e9zked\u00e9seket hozhat, ha sz\u00fcks\u00e9ges, m\u00e9g akkor is, ha megvan az SCR<\/p><p><b>Fogyaszt\u00f3v\u00e9delem:<br \/><\/b>A jogalkot\u00f3k T\u00e1mogatn\u00e1k <br \/>&#8211; az EU-k\u00f6tv\u00e9nyekbe val\u00f3 befektet\u00e9st<br \/>&#8211; a kieg\u00e9sz\u00edt\u0151 nyugd\u00edjak bevezet\u00e9s\u00e9t (a munkaviszonnyal tags\u00e1g is keletkezik)<br \/>Friss\u00fcl a PRIIPS szab\u00e1lyoz\u00e1s<br \/>Az AAE-vel egy\u00fctt dolgoznak a Value for Money t\u00e9m\u00e1ban<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-008f3ed e-flex e-con-boxed e-con e-parent\" data-id=\"008f3ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-59972bd e-con-full e-flex e-con e-child\" data-id=\"59972bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8e65f2 elementor-widget elementor-widget-heading\" data-id=\"c8e65f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">P\u00e1rniczky Tibor<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e7e331 e-con-full e-flex e-con e-child\" data-id=\"1e7e331\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ad7355 elementor-widget elementor-widget-heading\" data-id=\"7ad7355\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">AAE Social Security Subcommittee<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0284acc elementor-widget elementor-widget-text-editor\" data-id=\"0284acc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2025 Szeptember 25.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab9375a elementor-widget elementor-widget-n-accordion\" data-id=\"ab9375a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1790\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1790\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6sszefoglal\u00f3 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1790\" class=\"elementor-element elementor-element-2467191 e-con-full e-flex e-con e-child\" data-id=\"2467191\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11e61f3 elementor-widget elementor-widget-text-editor\" data-id=\"11e61f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Besz\u00e1mol\u00f3 az AAE T\u00e1rsadalombizotts\u00e1gi Albizotts\u00e1g \u00fcl\u00e9s\u00e9r\u0151l<\/strong><\/p><ol start=\"2025\"><li>szeptember 25<\/li><\/ol><p>K\u00e9sz\u00edtette: P\u00e1rniczky Tibor<\/p><p>\u00a0<\/p><p>Az \u00fcl\u00e9st Maria Economou, az Albizotts\u00e1g eln\u00f6ke vezette le. Ahol m\u00e1s el\u0151ad\u00f3t, hozz\u00e1sz\u00f3l\u00f3t nem \u00edrok, ott \u0151 volt az el\u0151ad\u00f3. Az egyes t\u00e9m\u00e1kat a kiadott napirendnek megfelel\u0151 sorrendben vett\u00fck sorra.<\/p><p>Az el\u0151z\u0151 \u00fcl\u00e9s \u00f3ta eltel id\u0151ben a bizotts\u00e1g, illetve tagjaink a k\u00f6vetkez\u0151 tev\u00e9kenys\u00e9gekben vettek r\u00e9szt.<\/p><p>A Board j\u00f3v\u00e1hagyta Hatand\u00f3s\u00e1gi Munkacsoport \u00e1tnevez\u00e9s\u00e9t Demogr\u00e1fiai Munkacsoportt\u00e1. Ezenk\u00edv\u00fcl j\u00f3v\u00e1hagyta a \u201e<em>New Age for Social Security<\/em>\u201d c\u00edm\u0171 kiadv\u00e1nyunkat is, amelyet az EUs <em>Ageing Report \u00e9s Pension Adequacy Report<\/em> 2024 \u00e9rt\u00e9kel\u00e9sek\u00e9nt k\u00e9sz\u00edtett\u00fcnk. Err\u0151l fog sz\u00f3lni k\u00f6vetkez\u0151 online szemin\u00e1riumunk is november 13-n. Ennek kapcs\u00e1n arr\u00f3l besz\u00e9lgett\u00fcnk, kiknek, hol, hogyan lehetne ezt terjeszteni, p\u00e9ld\u00e1ul az az AAE h\u00edrad\u00e1s\u00e1t k\u00f6zz\u00e9tenni a <em>LinkedIn<\/em>-en. A szemin\u00e1riumra szeptemberig m\u00e1r 80-an jelentkeztek. Maria azt is mindenkinek aj\u00e1nlotta, hogy vegyen r\u00e9szt az <em>Eur\u00f3pai Aktu\u00e1riusi Napon is<\/em>, november 3-\u00e1n.<\/p><p>A bizotts\u00e1g tagjai nemzetk\u00f6zi f\u00f3rumokon is r\u00e9szt vettek. Daniela Martini \u00e9s Raffaello Marcelloni az IAA Sao Paolo-i tal\u00e1lkoz\u00f3j\u00e1n tartottak el\u0151ad\u00e1st a \u201e<em>T\u00e1rsadalombiztos\u00edt\u00e1s megfelel\u0151s\u00e9g\u00e9nek \u00e9s fenntarthat\u00f3s\u00e1g\u00e1nak m\u00e9r\u00e9s\u00e9re a vil\u00e1gj\u00e1rv\u00e1ny ut\u00e1n<\/em>\u201d t\u00e9m\u00e1j\u00e1ban. Nicole Brumm a World Social Security Forumon vett r\u00e9szt Kuala Lumpurban.<\/p><p>Ezt k\u00f6vet\u0151en Gregorio Gil de Rozas tarott el\u0151ad\u00e1st &#8220;<em>A spanyol t\u00e1rsadalombiztos\u00edt\u00e1si rendszer p\u00e9nz\u00fcgyi egyens\u00falya \u2013 tov\u00e1bbi fejlem\u00e9nyek<\/em>&#8221; c\u00edmmel. A tov\u00e1bbi fejlem\u00e9nyek a c\u00edmben Maitane Mancebo: &#8220;<em>Actuarial Equity Factor<\/em>\u201d edinburghi el\u0151ad\u00e1s\u00e1ra utal. A spanyol aktu\u00e1riusok meghat\u00e1roztak egy egyenl\u0151s\u00e9gi faktort, amellyel az ottani tb rendszer egyens\u00faly\u00e1t m\u00e9rik. Ezt a k\u00fcl\u00f6nb\u00f6z\u0151 \u00e9rdekelt felekkel val\u00f3 kommunik\u00e1ci\u00f3ra haszn\u00e1lj\u00e1k. A modellez\u00e9st \u00e9s az elemz\u00e9st minden alkalommal elv\u00e9gzik, amikor az adatokban vagy a szab\u00e1lyoz\u00e1sban l\u00e9nyeges v\u00e1ltoz\u00e1s k\u00f6vetkezik be, \u00e9s ez\u00e9rt tartott Goyo \u00fajabb el\u0151ad\u00e1st err\u0151l. Spanyolorsz\u00e1gban az els\u0151 \u00e9s a m\u00e1sodik pill\u00e9rben is v\u00e1ltoz\u00e1sokat terveznek.<\/p><p>F\u0151 t\u00e9m\u00e1nk m\u00e1sik rendszeres tev\u00e9kenys\u00e9g\u00fcnk, a k\u00f6vetkez\u0151 online <em>T\u00e1rsadalombiztos\u00edt\u00e1si Szemin\u00e1rium<\/em> el\u0151k\u00e9sz\u00edt\u00e9se volt. Ennek t\u00e9m\u00e1ja \u201e<em>\u00c9breszt\u0151: Hogyan (\u00e9s mi\u00e9rt) kellene felh\u00edvni az emberek figyelm\u00e9t a nyugd\u00edjjal kapcsolatos k\u00e9rd\u00e9sekre<\/em>\u201d \u00e9s tervezett id\u0151pontja 2026 m\u00e1rcius 12 vagy 13 lesz. A megh\u00edvand\u00f3kr\u00f3l megegyezt\u00fcnk, hogy ism\u00e9t a lehet\u0151 legsz\u00e9lesebb k\u00f6rt c\u00e9lozzuk, akit \u00e9rdekelnek t\u00e1rsadalombiztos\u00edt\u00e1si t\u00e9m\u00e1k. A m\u00e1sik fontos k\u00e9rd\u00e9s a meg\u00edvand\u00f3 el\u0151ad\u00f3k volt. A c\u00edmb\u0151l fakad\u00f3an felmer\u00fclt, hogy <em>pension tracking services\/pension dashboard<\/em> t\u00e9ma szak\u00e9rt\u0151ire is sz\u00e1m\u00edtsunk. V\u00e9g\u00fcl a t\u00e9ma viselked\u00e9si k\u00f6zgazdas\u00e1gtan (<em>behavioural economics<\/em>) vonatkoz\u00e1sa miatt annak nemzetk\u00f6zileg elismert szak\u00e9rt\u0151j\u00e9t h\u00edvjuk meg.<\/p><p>A k\u00f6vetkez\u0151kben a Munkacsoportok vezet\u0151i besz\u00e1mol\u00f3i k\u00f6vetkeztek.<\/p><p>Meeri Kes\u00e4l\u00e4 (WG Methodology) az EUs Jelent\u00e9sek felhaszn\u00e1l\u00e1s\u00e1r\u00f3l k\u00e9sz\u00edtett k\u00e9rd\u0151\u00edv\u00fcnk \u00e1ll\u00e1s\u00e1r\u00f3l sz\u00e1molt be. A k\u00e9rd\u0151\u00edv arr\u00f3l sz\u00f3l, hogy az <em>Ageing Report \u00e9s Pension Adequacy<\/em> jelent\u00e9seket a tagorsz\u00e1gokban mennyire ismerik, hogyan-mire haszn\u00e1lj\u00e1k. A k\u00e9rd\u0151\u00edv v\u00e9gleges\u00edt\u00e9se \u00e9s az online v\u00e1ltozat elk\u00e9sz\u00edt\u00e9se ut\u00e1n felvett\u00fck a kapcsolatot a jelent\u00e9seket k\u00e9sz\u00edt\u0151 EUs Munkabizotts\u00e1gok (DG Ecfin: SPC, DG Employment: AWG) Bizotts\u00e1gi vezet\u0151vel. \u0150k beleegyeztek, hogy kik\u00fcldik a k\u00e9rd\u0151\u00edv\u00fcnket a munk\u00e1ban r\u00e9sztvev\u0151 tagorsz\u00e1gi deleg\u00e1tusoknak. Az SPC WG csak novemberben fog \u00fajra munk\u00e1ba \u00e1llni, de az AWG-t\u0151l m\u00e1r 3 v\u00e1lasz \u00e9rkezett szeptemberben. Megegyezt\u00fcnk tov\u00e1bb\u00e1, hogy a hagyom\u00e1nyos m\u00f3dod is terjesztj\u00fck a k\u00e9rd\u0151\u00edvet.<\/p><p>A Nyugd\u00edj Megfelel\u0151s\u00e9gi Munkacsoport r\u00e9sz\u00e9r\u0151l \u00e9n tartottam egy bevezet\u0151 el\u0151ad\u00e1st az eur\u00f3pai nyugd\u00edj reform trendekr\u0151l. Az el\u0151ad\u00e1sban azt pr\u00f3b\u00e1ltam \u00e1ttekinteni, hogy a mostani v\u00e1ltoz\u00e1sok mennyire illeszkednek a nyugd\u00edjrendszerek v\u00e1ltoz\u00e1s\u00e1nak hosszabb t\u00e1v\u00fa trendj\u00e9be, milyen eszk\u00f6z\u00f6k alakultak ki a nyugd\u00edjrendszerek kock\u00e1zatai kezel\u00e9s\u00e9re. A prezent\u00e1ci\u00f3 bevezet\u0151 volt abban a tekintetben is, hogy r\u00e9sztvev\u0151k hozz\u00e1sz\u00f3l\u00e1sait pr\u00f3b\u00e1ltam el\u0151seg\u00edteni. A kor\u00e1bbi spanyol p\u00e9lda ut\u00e1n Szlov\u00e9nia, Norv\u00e9gia (korhat\u00e1r) \u00e9s Lettorsz\u00e1g (2. pill\u00e9r visszarendez\u00e9se) p\u00e9ld\u00e1it hallottuk. David egy \u00e9rdekes jelens\u00e9gre h\u00edvta fel a figyelmet. Egyes tagorsz\u00e1gi szab\u00e1lyok pl. az ad\u00f3z\u00e1sban korl\u00e1tozz\u00e1k a tagorsz\u00e1gok k\u00f6z\u00f6tti v\u00e1ndorl\u00e1st.<\/p><p>V\u00e9g\u00fcl David Bogotaj (Demogr\u00e1fia Munkacsoport) tartott el\u0151ad\u00e1st az EUs demogr\u00e1fiai viszonyok alakul\u00e1s\u00e1r\u00f3l a kiindul\u00f3 felt\u00e9telez\u00e9sek, \u00e9s a migr\u00e1ci\u00f3, term\u00e9kenys\u00e9g, hal\u00e1loz\u00e1s alakul\u00e1sa, ezek statisztikai elemz\u00e9se ment\u00e9n. Az eredm\u00e9nyeit a Covid-19 hat\u00e1sa \u00e9s az Eur\u00f3pai Szoci\u00e1lis Modellnek val\u00f3 megfelel\u00e9s szempontj\u00e1b\u00f3l is \u00e9rtelmezte. A demogr\u00e1fiai mutat\u00f3kban Franciaorsz\u00e1g mindig az \u00e9len j\u00e1r. Mint Richard Deville mondta, n\u00e1luk a gyereknevel\u00e9s \u00e9s a csal\u00e1d t\u00e1mogat\u00e1sa a II. Vil\u00e1gh\u00e1bor\u00fa vesztes\u00e9gei \u00f3ta elfogadott politika. Az ut\u00f3bbi id\u0151ben Spanyolorsz\u00e1g \u00e9rte utol a franci\u00e1kat, ami n\u00e1luk a bev\u00e1ndorl\u00e1ssal is kapcsolatban lehet. (M\u00e1s forr\u00e1sb\u00f3l: itt a Latin-Amerikai k\u00e9pzett munkaer\u0151 bev\u00e1ndorl\u00e1s\u00e1nak is szerepe lehet.) Sz\u00e1munkra \u00e9rdekes m\u00f3don, egyes mutat\u00f3kban a harmadik helyen Magyarorsz\u00e1g \u00e1ll, de err\u0151l az \u00fcl\u00e9sen nem besz\u00e9lgett\u00fcnk. Mint mindig, a migr\u00e1ci\u00f3 k\u00e9rd\u00e9se nagy \u00e9rdekl\u0151d\u00e9st v\u00e1ltott ki.<\/p><p>V\u00e9g\u00fcl Maria kihirdette, hogy a legk\u00f6zelebbi tal\u00e1lkoz\u00f3 2026. \u00e1prilis 1-\u00e9n, az AAE tavaszi tal\u00e1lkoz\u00f3ja alkalm\u00e1val Limassolban, Cipruson lesz.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10433b2 e-flex e-con-boxed e-con e-parent\" data-id=\"10433b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-af7f8b6 e-con-full e-flex e-con e-child\" data-id=\"af7f8b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64bb91b elementor-widget elementor-widget-heading\" data-id=\"64bb91b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Szigetv\u00e1ri Zs\u00f3fia<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e84e644 e-con-full e-flex e-con e-child\" data-id=\"e84e644\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9b8e762 elementor-widget elementor-widget-heading\" data-id=\"9b8e762\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">AAE K\u00f6zgy\u0171l\u00e9s<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59d3d05 elementor-widget elementor-widget-text-editor\" data-id=\"59d3d05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2025 Szeptember 26.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c5393b elementor-widget elementor-widget-n-accordion\" data-id=\"1c5393b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2970\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2970\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00d6sszefoglal\u00f3 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2970\" class=\"elementor-element elementor-element-889f779 e-con-full e-flex e-con e-child\" data-id=\"889f779\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3b61a4 elementor-widget elementor-widget-text-editor\" data-id=\"b3b61a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><u>BESZ\u00c1MOL\u00d3 az AAE k\u00f6zgy\u0171l\u00e9sr\u0151l \u2013 2025.09.26 P\u00e1rizs:<\/u><\/strong><\/p><p><strong>Agenda:<\/strong>\u00a0\u00a0\u00a0\u00a0 \u00a0<\/p><ol start=\"3\"><li><u> REPORT OF THE BOARD: <\/u><\/li><\/ol><ul><li>Inga, az AAE eln\u00f6ke ismertette a Board munk\u00e1j\u00e1t<\/li><li>A besz\u00e1mol\u00f3 sor\u00e1n az al\u00e1bbi dolgokat emelte ki:<ul><li>A holnapon \u00e9vente k\u00e9tszer jelenik meg az AAE Board riportja.<\/li><li>Newsletter havonta ker\u00fcl fel a honlapra, ami t\u00f6bbek k\u00f6z\u00f6tt tartalmazza, hogy milyen meetingek voltak, \u00e9s hogy ki mivel foglalkozik.<\/li><li>A kor\u00e1bbi strat\u00e9giai c\u00e9lok nem v\u00e1ltoznak. A 3 strat\u00e9giai c\u00e9lra vonatkoz\u00f3an besz\u00e1molt Inga arr\u00f3l, hogy milyen l\u00e9p\u00e9sek t\u00f6rt\u00e9ntek az \u00e9vben:<ul><li>enhance relationships with EU Insititions<ul><li>23szor besz\u00e9lgettek az eur\u00f3piai int\u00e9zm\u00e9nyekkel az elm\u00falt 12 h\u00f3napban (az al\u00e1bbi t\u00e9m\u00e1kban: 11 Insurance, 7 AI, 3 Sustainablily, 2 Pensions)<ul><li>f\u0151 f\u00f3kusz: SII \u00e9s IORP II<\/li><\/ul><\/li><li>az \u00e9rdekelt felekkel val\u00f3 kapcsolatok folyamatos kezel\u00e9se<\/li><li>k\u00e9thavonta tal\u00e1lkoz\u00f3 uni\u00f3s int\u00e9zm\u00e9nyekkel \u00e9s ipar\u00e1gi szervezekkel\/test\u00fcletekkel \u2013 EIOPA, EC, DG Fisma, Insurance Europe, Pension Europe<\/li><\/ul><\/li><li>promote professionalism<ul><li>AAE papers on AI<\/li><li>Webinar-ok szervez\u00e9se<\/li><li>CPD fenntart\u00e1sa<\/li><li>\u2019positions and discussions paper\u2019-ek kiad\u00e1sa<\/li><\/ul><\/li><li>promote a European community of actuaries<ul><li><a href=\"https:\/\/www.actuarieelgenootschap.nl\/agenda\/european-congress-of-actuaries-2026-eca-2026\"> European Congress of Actuaries 2026 (ECA 2026) szervez\u00e9se<\/a><\/li><li>European Actuarial Day 2025<\/li><li>social media aktivit\u00e1s<\/li><\/ul><\/li><li>Egy\u00e9b feladatok k\u00f6z\u00fcl p\u00e1rat kiemelt Inga:<ul><li>Target operating model (TOM) kidolgoz\u00e1sa<\/li><li>AAE Statutes m\u00f3dos\u00edt\u00e1sa<\/li><li>Young actuaries kezdem\u00e9nyez\u00e9s<\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><\/ul><ol start=\"4\"><li><u> APPROVALS:<\/u><\/li><\/ol><p><u>4.1 To approve the AAE Statutes and Internal Regulations:<\/u><\/p><ul><li>Lutz, a volt AAE eln\u00f6k (<a href=\"mailto:pastchair@actuary.eu\">Immediate Past Chairperson<\/a>) bemutatta a m\u00f3dos\u00edtott Statutes folyamat\u00e1t<\/li><li>Strukt\u00fara nem v\u00e1ltozott, de most m\u00e1r a Statutes kieg\u00e9sz\u00fcl az internal regulation nev\u0171 dokumentummal, amit egyszer\u0171bben lehet m\u00f3dos\u00edtani, kev\u00e9sb\u00e9 kritikus pontokat tartalmaz<\/li><li>Lutz kiemelte, hogy az al\u00e1bbi pontok v\u00e1ltoztak jelent\u0151sen:<ul><li>membership<\/li><li>governance structure<\/li><li>voting rights ad resolution of divergent views<\/li><\/ul><\/li><li>A v\u00e1ltoztat\u00e1s k\u00f6vetkezt\u00e9ben a Statutes:<ul><li>Jobban strukt\u00far\u00e1lt<\/li><li>Flexibilisebb: internal regulation-t egyszer\u0171bb v\u00e1ltoztatni<\/li><li>Integrit\u00e1s: szigor\u00fabb szab\u00e1lyok a tiszts\u00e9gvisel\u0151k \u00e9s a tagok megfelel\u00e9s\u00e9re vonatkoz\u00f3an<\/li><li>Inclusion: \u00e1tl\u00e1that\u00f3bb\/vil\u00e1gosabb ir\u00e1ny\u00edt\u00e1si \u00e9s szavaz\u00e1si szab\u00e1lyok<\/li><\/ul><\/li><li>jan 2026-tal l\u00e9p \u00e9letbe az \u00faj Statutes<\/li><li>K\u00f6zgy\u0171l\u00e9s egyhang\u00falag megszavazta a m\u00f3dos\u00edt\u00e1s\u00e1t<\/li><\/ul><p><u>4.2 To approve the revised Code of Professional Conduct:<\/u><\/p><ul><li>Lutz itt is bemutatta a m\u00f3dos\u00edt\u00e1s folyamat\u00e1t<\/li><li>Csak kisebb m\u00f3dos\u00edt\u00e1sok vannak, amiket bemutatott<\/li><li>K\u00f6zgy\u0171l\u00e9s egyhang\u00falag megszavazta a m\u00f3dos\u00edt\u00e1st<\/li><\/ul><p><u>4.3 To approve the proposed Target Operating Model:<\/u><\/p><ul><li>Inga mutatta be a TOM-ra vonatkoz\u00f3 anyagot<\/li><\/ul><ul><li>Szeptemberi meetinghez k\u00e9pest t\u00f6bb inform\u00e1ci\u00f3 szerepel a mostani anyagban:<ul><li>mi\u00e9rt sz\u00fcks\u00e9ges a TOM? \u2013 folytonoss\u00e1g meg\u0151rz\u00e9se, EU-s \u00e9rdekelt felekkel megfelel\u0151 kapcsolat tart\u00e1sa<\/li><li>Hogyan fogja ezt megval\u00f3s\u00edtani az AAE?<ul><li>Hat\u00e9konys\u00e1g n\u00f6vel\u00e9se<\/li><li>P\u00e9nz\u00fcgyi keretek \u00fajragondol\u00e1sa<\/li><li>AAE \u00e1ltal v\u00e9gzett tev\u00e9kenys\u00e9gek \u00e1tgondol\u00e1sa<\/li><\/ul><\/li><li>Inga elmondta, hogy a TOM-mal kapcsolatban 2 szcen\u00e1ri\u00f3t kapott a Board az TOM Task Froce-t\u00f3l, mint lehets\u00e9ges ir\u00e1ny:<ul><li>A tagszervezetek (member association) bevon\u00e1sa a m\u0171k\u00f6d\u00e9sbe, ebben az esetben nem sz\u00fcks\u00e9ges a tagd\u00edj emel\u00e9se<\/li><li>Nagyobb m\u00e9rt\u00e9k\u0171 tagd\u00edj emel\u00e9s, hogy a TOM miatti megn\u00f6vekedett k\u00f6lts\u00e9get fedezni tudj\u00e1k<\/li><li>a v\u00e9g\u00e9n a kett\u0151 kombin\u00e1ci\u00f3ja lett a TOM javaslat a Board \u00e1ltal \u2013 member association t\u00e1mogat\u00e1s + tagd\u00edjemel\u00e9s<\/li><\/ul><\/li><li>Inga kiemelte: hogy a hat\u00e9konys\u00e1g nagyon fontos, mivel a jobban strukt\u00far\u00e1lt szervezetet jobban lehet tervezni, \u00e9s hat\u00e9konyabban dolgozni<\/li><li>2-3 \u00e9v alatt vezetik be a teljes TOM-ot, t\u00f6bb \u00faj funkci\u00f3 l\u00e9p be, amilyen jelenleg nincs az AAE-ben<ul><li>CE &#8211; Chief executive:<ul><li>eddig is volt a Statutes-ban ez a funkci\u00f3, amit egy kor\u00e1bbi pontban megszavaztunk, \u00e9s most \u00fajranyitjuk ezt a poz\u00edci\u00f3t<\/li><li>nomination panel be lesz vonva annak kidolgoz\u00e1s\u00e1ban, hogy mi lesz a feladata \u00e9s milyen skills-ek kellenek hozz\u00e1<\/li><li>nomination panel \u00f6sszegzi a jelentkez\u0151ket, a Board fog v\u00e1lasztani bel\u0151l\u00fck, \u00e9s az orsz\u00e1gok ratifik\u00e1lj\u00e1k<\/li><li>nem min\u0151s\u00fcl \u201ebearer\u201d-nek, nem reprezent\u00e1lja az AAE-t<\/li><\/ul><\/li><li>HO \u2013 Head of operation<\/li><\/ul><\/li><li>member assosiation-ok seg\u00edts\u00e9gny\u00fajt\u00e1sa \u2013 Inga elmondta, hogy ha ilyen feladat lesz, akkor ezt minden esetben ki\u00edrj\u00e1k, \u00e9s d\u00f6ntenek r\u00f3la, independece-re figyelnek<\/li><li>A magyar kommenteket is nagyj\u00e1b\u00f3l felolvasta Inga, \u00e9s beker\u00fcltek a k\u00e9r\u00e9seink a jegyz\u0151k\u00f6nyvbe.<\/li><li>T\u00f6bb orsz\u00e1gnak voltak kommentjeik, olyanok is, akik egyet\u00e9rtettek a tervezettel, m\u00e1sok \u00e9szrev\u00e9teleket fogalmaztak meg, de legink\u00e1bb a 3.5 \u20ac-os emel\u00e9ssel jelezt\u00e9k a probl\u00e9m\u00e1kat. Mivel a TOM-ot az emel\u00e9st\u0151l f\u00fcggetlen\u00fcl szavazunk, \u00edgy a K\u00f6zgy\u0171l\u00e9s egyhang\u00falag elfogadta a TOM-ot.<\/li><\/ul><\/li><\/ul><ol start=\"5\"><li><u> The Honorary Treasurer to present his annual report including the financial statements for financial year 2024, the forecast 2025, the draft budget 2026. <\/u><\/li><\/ol><ul><li>2024-es \u00e9s 2025-\u00f6s p\u00e9nz\u00fcgyi eredm\u00e9nyek \u2013 negat\u00edv eredm\u00e9nyek<ul><li>sv\u00e1jci law alatt van az AAE, \u00edgy nincs olyan mint a belg\u00e1kn\u00e1l, hogy 6 h\u00f3napon bel\u00fcl el kell fogadni a financial statement-et<\/li><li>sv\u00e1jci law alap\u00e1n lehet belga GAAP alapj\u00e1n is jelenteni, mert a legt\u00f6bb tranazakci\u00f3 belga dolgokb\u00f3l j\u00f6n<\/li><li>K\u00f6zgy\u0171l\u00e9s egyhang\u00falak elfogadta a 2024-es besz\u00e1mol\u00f3t, \u00e9s a 2025-\u00f6s budget-et<\/li><\/ul><\/li><li>Budget 2026<ul><li>Bev\u00e9tel nagy m\u00e9rt\u00e9kben cs\u00f6kken, mivel a Statutes v\u00e1ltoz\u00e1s miatt m\u00e1shogy kell sz\u00e1molni a fee-t<\/li><li>Eredm\u00e9ny tov\u00e1bbra is negat\u00edv<\/li><li>Consultants and CE k\u00f6lts\u00e9g n\u0151 (33 ezer EUR), CE-t felveszik<\/li><li>VAT kisebb lesz (-14.6 ezer EUR) \u2013 Belgium VAT vs. Swiss VAT<\/li><\/ul><\/li><li>Forecat 2027:<ul><li>Itt mutatt\u00e1k be a 3.5 EUR-os emel\u00e9st, amit a TOM miatt sz\u00fcks\u00e9ges lenne n\u00f6velni<\/li><li>Az angolok jelezt\u00e9k, hogy ebb\u0151l a p\u00e9nzb\u0151l a tagjainak sok egy\u00e9b lehet\u0151s\u00e9get\/programot tudn\u00e1nak biztos\u00edtani, \u00e9s nem l\u00e1tj\u00e1k, hogy az AAE tev\u00e9kenys\u00e9ge pontosan mivel lesz t\u00f6bb a TOM-mal, \u00e9s a 3.5 EUR-s emel\u00e9ssel.<\/li><li>A szavaz\u00e1sn\u00e1l a hollandok \u00e9s a rom\u00e1nok tart\u00f3zkodtak, az angolok nemmel szavaztak, \u00edgy nem ker\u00fclt elfogad\u00e1sra a 3.5 EUR-os emel\u00e9s.<\/li><li>\u00cdgy err\u0151l k\u00e9s\u0151bb kell majd szavazni \u00fajra, addig a Board dolgozik a tov\u00e1bbi anyagokon, ami a felvetett \u00e9szrev\u00e9telekre tud reflekt\u00e1lni. \u00a0<\/li><\/ul><\/li><\/ul><ol start=\"6\"><li><u> NOMINATIONS PANEL: <\/u><\/li><\/ol><ul><li>Nomination panel \u00e1ltal javasolt szem\u00e9lyeket megszavazta a K\u00f6zgy\u0171l\u00e9s, k\u00f6zt\u00fck Han\u00e1k G\u00e1bort is a nominations panel-be <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f60a.svg\" alt=\"\ud83d\ude0a\" \/><\/li><li>Szlov\u00e1kia jelezte el\u00e9gedetlens\u00e9g\u00e9t azzal kapcsolatban, hogy \u201ekeleti\u201d orsz\u00e1gokb\u00f3l kev\u00e9sb\u00e9 jel\u00f6lnek szem\u00e9lyeket board poz\u00edci\u00f3kba. \u00a0<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e703690 e-flex e-con-boxed e-con e-parent\" data-id=\"e703690\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ddd49c8 e-con-full e-flex e-con e-child\" data-id=\"ddd49c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c3e36c elementor-widget elementor-widget-heading\" data-id=\"5c3e36c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mell\u00e9kletek<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63c571c e-con-full e-flex e-con e-child\" data-id=\"63c571c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71ce489 elementor-widget elementor-widget-heading\" data-id=\"71ce489\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">A besz\u00e1mol\u00f3k mell\u00e9kleteit ebben a csatolm\u00e1nyban, egybecsomagolva tal\u00e1lhatj\u00e1tok:<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2699f79 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2699f79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/actuary.hu\/weblap3\/wp-content\/uploads\/2025\/10\/AAE_Beszamolok.zip\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-file\"><\/i>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Az Actuarial Association of Europe 2025 szeptember 24 \u00e9s 26 k\u00f6z\u00f6tt tartotta \u00e9ves k\u00f6zgy\u0171l\u00e9s\u00e9t \u00e9s kapcsol\u00f3d\u00f3 bizotts\u00e1gi megbesz\u00e9l\u00e9seit. A MAT -ot Borza G\u00e1bor, Han\u00e1k G\u00e1bor, Ker\u00e9nyi Istv\u00e1n, Kov\u00e1cs Erzs\u00e9bet, Kov\u00e1cs Judit, P\u00e1rniczky Tibor \u00e9s Szigetv\u00e1ri Zs\u00f3fia k\u00e9pviselt\u00e9k. A r\u00e9szv\u00e9telt a MAT 200 000 Ft-os k\u00f6lts\u00e9gt\u00e9r\u00edt\u00e9si keret biztos\u00edt\u00e1s\u00e1val tudta t\u00e1mogatni a r\u00e9sztvev\u0151k sz\u00e1m\u00e1ra. Borza G\u00e1bor AAE [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2273,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7899","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/actuary.hu\/weblap3\/wp-json\/wp\/v2\/posts\/7899","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/actuary.hu\/weblap3\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/actuary.hu\/weblap3\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/actuary.hu\/weblap3\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/actuary.hu\/weblap3\/wp-json\/wp\/v2\/comments?post=7899"}],"version-history":[{"count":59,"href":"https:\/\/actuary.hu\/weblap3\/wp-json\/wp\/v2\/posts\/7899\/revisions"}],"predecessor-version":[{"id":7975,"href":"https:\/\/actuary.hu\/weblap3\/wp-json\/wp\/v2\/posts\/7899\/revisions\/7975"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/actuary.hu\/weblap3\/wp-json\/wp\/v2\/media\/2273"}],"wp:attachment":[{"href":"https:\/\/actuary.hu\/weblap3\/wp-json\/wp\/v2\/media?parent=7899"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/actuary.hu\/weblap3\/wp-json\/wp\/v2\/categories?post=7899"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/actuary.hu\/weblap3\/wp-json\/wp\/v2\/tags?post=7899"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}