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5373 | 1,013 | For the year ended December 31, 2016, average renewal rates decreased 0.1% as compared to the same period in 2015, driven by a 0.5% decrease from our Marine operating segment. | 30 | 10K |
fr_axa-AR_2016 | 8,551 | LLC”) (“Sivolella Litigation”) and a substantially similar action was fi led in January 2013 entitled Sanford et al. v. FMG LLC | 21 | annual_report |
PowszechnyZakladUbezpieczenSA-AR_2018 | 1,181 | The last level of brand architecture is the independent brands group. This category includes the brands within the PZU Group, the names and visualization of which differ from the corporate brand, such as Lietuvos Draudimas and Link4. Both companies are distinguished by their high prompted brand awareness on the Lithuanian and Polish markets, at 97% and 94% respectively. | 58 | annual_report |
3702 | 1,256 | We anticipate that a major source of our liquidity, for the next twelve months and for the longer term, will be amounts paid by our operating subsidiaries as dividends. Certain of our operating subsidiaries are subject to restrictions on their ability to pay dividends. See "Business-Regulation." The amount available at AGC to pay dividends in 2009 with notice to, but without the prior approval of, the Maryland Insurance Commissioner is approximately $37.8 million. Dividends paid by a U.S. company to a Bermuda holding company presently are subject to a 30% withholding tax. The amount available at AG Re to pay dividends or make a distribution of contributed surplus in 2009 in compliance with Bermuda law is $1,125.0 million. However, any distribution which results in a reduction of 15% or more of AG Re's total statutory capital, as set out in its previous year's financial statements, would require the prior approval of the Bermuda Monetary Authority. | 155 | 10K |
ch_zurich_insurance_group-AR_2006 | 1,615 | Underwriting and policy acquisition costs, net of reinsurance 4,941 4,506 1,448 1,561 | 12 | annual_report |
2169 | 1,337 | An agreement to increase statutory reserves by an additional $125,000 throughout 2002-2004, of which $23,000 remained at December 31, 2003. The reinsurance agreement has provided the capacity to accommodate this increase. | 31 | 10K |
4899 | 838 | Change in fair value of Revolving Credit Facility debt. Change in fair value of Revolving Credit Facility debt was approximately $9.4 million for the year ended December 31, 2013 compared to zero for the year ended December 31, 2012. This change is associated with the adoption of the fair value option in accounting for the Revolving Credit Facility debt and the lengthening of life expectancy estimates for the policies in the Revolving Credit Facility. The Revolving Credit Facility is valued at December 31, 2013 using a discount rate of 24.04%. See Note 13, “Fair Value Measurements,” to the accompanying consolidated financial statements. | 102 | 10K |
Sampoplc-AR_2017 | 337 | Topdanmark aims to attain the best possible return on investments in relation to risk, but the company also wants to ensure that value creation is responsible and not in violation of the internationally recognized standards and principles or conventions adopted by Denmark – including the UN Global Compact Principles. | 49 | annual_report |
LloydsBankingGroupPLC-AR_2012 | 5,253 | in determining an appropriate accrual in respect of the management expenses levy, certain assumptions have been made including the proportion of total protected deposits held by the Group, the level and timing of repayments to be made by the Fscs to HM Treasury and the interest rate to be charged by HM Treasury. For the year ended 31 december 2012, the Group has charged £87 million (2011: £179 million; 2010: £46 million) to the income statement in respect of the management expenses levy. | 83 | annual_report |
PhoenixGroupHoldingsPLC-AR_2013 | 1,069 | 2. Performance conditions for LTIP awards in 2014 LTIP awards to be made to the Executive Directors in 2014 have performance measures of which 40% is based on MCEV growth, 40% is based on cumulative cash generation and the remaining 20% is subject to TSR performance against the constituents of the FTSE 250 (excluding investment trusts), with each target measured over the three financial years commencing 1 January 2014. The performance targets for each of the performance measures will be determined by the Remuneration Committee shortly before the awards are made. | 91 | annual_report |
SwissLifeHoldingAG-AR_2004 | 1,054 | Interest on borrowings –159 –11 –1 –33 0 –25 36 –193 | 11 | annual_report |
1017 | 443 | The Company sponsors a defined contribution plan covering substantially all employees. The plan provides for Company contributions at the discretion of the board of directors. For 1998, the Company contributed $1.00 for each $1.00 contributed by the participants up to 2.5% of employee base compensation. For 1997 and 1996, the Company contributed $0.50 for each $1.00 contributed by the participants up to 5% of employee base compensation. The Company's cost of this plan was $201 thousand, $139 thousand, and $116 thousand in 1998, 1997 and 1996, respectively. | 87 | 10K |
4600 | 1,632 | The Specialty Products segment is comprised of seven underwriting operating segments representing an aggregation based on those that offer distinct products and tailored coverages and services to a broad customer base across the United States. The Specialty Industries segment is comprised of six underwriting operating segments representing an aggregation based on those that focus on solving the unique needs of a particular customer or industry group. The Investing, Financing and Corporate segment includes the investing and financing activities for OneBeacon on a consolidated basis, and certain other activities conducted through the Company and our intermediate subsidiaries, as well as operations associated with personal lines business that we sold in 2010 (see Item 7 - "Management's Discussion and Analysis of Financial Condition and Results of Operations-Overview"). | 125 | 10K |
SwissLifeHoldingAG-AR_2003 | 357 | – What guarantees and benefits are being promised to policyholders and at what price (product design)? | 16 | annual_report |
4240 | 1,274 | During the fourth quarter of 2010, the corporate segment made a capital contribution to the asset/liability products segment in the amount of $600 million in settlement of the full outstanding principal balance of the advance made to the segment during the fourth quarter of 2008. Between the fourth quarter of 2008 and the fourth quarter of 2010, the Company believed that debt repurchases by the asset/liability products segment would enable the segment to eliminate the book value equity deficit and generate excess net assets to repay the $600 million loan. As of December 31, 2010, the Company does not expect sufficient gains from debt repurchases to repay the loan. As a result, the asset/liability products segment will not make any future payments of principal or interest to the corporate segment under the loan. Other liquidity support outstanding as of December 31, 2010 included a secured loan between MBIA Inc. and MBIA Corp. for up to $2.0 billion, under which $975 million was outstanding as of December 31, 2010 and a repurchase agreement between the asset/liability products segment (through MBIA Inc.) and the conduit segment (through Meridian) for up to $1.0 billion, under which $50 million was outstanding as of December 31, 2010. As of December 31, 2010, including the $2.0 billion of intercompany resources, the asset/liability products segment had cash and investments of $4.2 billion and receivables for securities sold net of payables for securities purchased of $8 million. | 239 | 10K |
2518 | 452 | Effective October 1, 2002, the Company secured replacement excess of loss protection from CCC for per principal losses that exceed $60 million in two parts -- a) $40 million excess of $60 million and b) $50 million excess of $100 million. This excess of loss protection is primarily necessary to support contract surety accounts with bonded backlogs or work-in-process in excess of $60 million. The Company generally limits exposure on new large commercial surety accounts to $25 million. In addition to the foregoing structural changes in its high layer excess of loss reinsurance programs, the cost for these protections increased significantly as compared to the cost of the two previous Excess of Loss Contracts. The $40 million excess of $60 million contract is for a three year term beginning October 1, 2002 and provides annual aggregate coverage of $80 million and $120 million aggregate coverage for the entire three year term. | 151 | 10K |
gb_prudential-AR_2007 | 3,902 | Note i US Operations net of tax profit: Before capital charge 197 182 Capital charge (12) (14) | 17 | annual_report |
2640 | 1,037 | Due to uncertainties about how participants in LNC’s post-retirement plan will elect to participate in the Medicare Act’s benefits, and the various uncertainties created by the current lack of guidelines for applying the Medicare Act’s provisions, LNC’s assessment of the effects of the provisions of the Medicare Act could change. Any change would be included in the financial statements in the period the change occurs. Any change is not expected to have a material effect on LNC. | 77 | 10K |
RaiffeisenBankInternationalAG-AR_2019 | 5,945 | Analytics, Group Corporate Credit Management, Group Risk Controlling, Group Special Exposures Management, International | 13 | annual_report |
PhoenixGroupHoldingsPLC-AR_2019 | 1,848 | 3. Malus and clawback Malus (being the forfeiture of unvested awards) and clawback (being the ability of the Company to claim repayment of paid amounts as a debt) provisions apply to the AIP, DBSS and LTIP� These provisions may be applied where the Remuneration Committee considers it appropriate to do so following: • a review of the conduct, capability or performance of an individual; • a review of the performance of the Company or a Group member; • any material misstatement of the Company’s or a Group member’s financial results for any period; • any material failure of Risk Management by an individual, a Group member or the Company; or | 110 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2006 | 2,302 | Essentially the same actuarial assumptions have been used as in the previous year for measuring the provisions for future policy benefits for business in force. | 25 | annual_report |
4787 | 1,099 | The following tables summarize the carrying amounts and estimated fair values of the Company’s financial instruments not carried at fair value on a recurring basis: | 25 | 10K |
BeazleyPLC-AR_2019 | 1,900 | Any benefits to which the group is entitled under its reinsurance contracts held are recognised as reinsurance assets. These assets consist of balances due from reinsurers and include reinsurers’ share of provisions for claims. These balances are based on calculated amounts of outstanding claims and projections for IBNR, net of estimated irrecoverable amounts, having regard to the reinsurance programme in place for the class of business, the claims experience for the period and the current security rating of the reinsurer involved. Reinsurance liabilities are primarily premiums payable for reinsurance contracts and are recognised as an expense when due. | 98 | annual_report |
5887 | 855 | The Company recorded $2,873 of goodwill associated with the business combination. The goodwill recognized is attributable to the assembled workforce and the expected growth resulting from the acquisition. | 28 | 10K |
5633 | 755 | Certain direct or assumed variable annuity products with guaranteed minimum benefits contain embedded derivatives that are measured at estimated fair value separately from the host variable annuity contract, with changes in estimated fair value recorded in net derivative gains (losses). We use reinsurance and derivatives to hedge the market and other risks inherent in these variable annuity guarantees. Ceded reinsurance of direct variable annuity products with guaranteed minimum benefits generally contain embedded derivatives that are measured at estimated fair value separately from the host variable annuity contract, with changes in estimated fair value recorded in net derivative gains (losses). Ongoing refinement of the strategy may be required to take advantage of recently adopted NAIC rules related to a statutory accounting election for derivatives that mitigate interest rate sensitivity related to variable annuity guarantees. The restructured hedge strategy is classified as a macro hedge program, included in the non-VA program derivatives section of the table below, to protect our overall statutory capital from significant adverse economic conditions. The valuation of these embedded derivatives includes a nonperformance risk adjustment, which is unhedged, and can be a significant driver of net derivative gains (losses) and volatility in earnings, but does not have an economic impact on us. | 204 | 10K |
5876 | 835 | (1) Includes a true-up of previously awarded performance-based restricted share awards. The updated shares were calculated based on the attainment of pre-established performance objectives. | 24 | 10K |
2983 | 958 | For premiums received on an installment basis, the Company earns the premium over the installment period, typically less than one year, throughout the period of coverage. Typically, installment premiums are applicable to insured transactions that involve CDS or special purpose vehicles (“SPVs”) structured to finance pools of assets such as auto loans or mortgage loans. Premiums on such transactions are typically paid in installments, as the nature of the assets financed can have uncertain debt service schedules due to prepayments. When the Company, through its ongoing credit review process, identifies transactions where premiums are paid on an installment basis and certain default triggers have been breached, the Company ceases to earn premiums on such transactions. Premium revenue recognition is subject to change as a result of the FASB project described in “-Losses and Loss Adjustment Expenses.” | 136 | 10K |
2301 | 589 | The Financial Accounting Standards Board (FASB) issued Financial Accounting Standard (FAS) No. 149, “Amendment of Statement 133 on Derivative Instruments and Hedging Activities,” in April 2003. This Standard amends and clarifies financial accounting and reporting for derivative instruments and for hedging activities under FAS No. 133, “Accounting for Derivative Instruments and Hedging Activities.” This FAS was adopted on July 1, 2003 with no material impact. | 65 | 10K |
PosteItalianeSpA-AR_2015 | 510 | Italiane submitted an application for re-examination of the ruling to AGCom, arguing its case and requesting cancellation of the ruling. Moreover, on 19 February 2016 the Company lodged an appeal before the Lazio | 33 | annual_report |
5616 | 1,634 | At the time of origination, our mortgage lending criteria targets that the loan-to-value ratio on each mortgage is 75% or less. We target projected rental payments from credit anchors (i.e., excluding rental payments from smaller local tenants) of 70% of the property’s projected operating expenses and debt service. | 48 | 10K |
Sampoplc-AR_2013 | 1,106 | The total amount of Sampo Group’s investment assets as at 31 December 2013 was EUR 17,878 million (EUR 18,164 million in 2012).The compositions of the investment portfolios by asset classes in If P&C, | 33 | annual_report |
2601 | 926 | Net loss from continuing operations for 2004 was $10.9 million compared to a loss of $10.2 million for 2003. | 19 | 10K |
Sampoplc-AR_2007 | 163 | Future Outlook Sampo Life’s lifetime solutions are very timely in Finland, for at the same time as Finns are becoming more affl uent, society’s safety net is becoming weaker. Pure life and disability insurance and unit-linked products will remain the strategic focus areas. | 43 | annual_report |
fr_axa-AR_2013 | 5,513 | Other operating income and expenses (79,851) (27,989) (3,012) (3,157) (507) (665) 638 (114,542) | 13 | annual_report |
INGGroepNV-AR_2013 | 4,823 | August of 2013) and the lower volatility in equity markets, as the 2008 volatile period started dropping out of the historical period taken into account in Q3 2013. | 28 | annual_report |
5903 | 2,526 | In certain investment structures, the Company’s investment management business invests with other co-investors in an investment fund referred to as a feeder fund. In these structures, the invested capital of several feeder funds is pooled together and used to purchase ownership interests in another fund, referred to as a master fund. The master fund utilizes this invested capital and, in certain cases, other debt financing, to purchase various classes of assets on behalf of its investors. Specialized industry accounting for investment companies calls for the feeder fund to reflect its investment in the master fund as a single net asset equal to its proportionate share of the net assets of the master fund, regardless of its level of interest in the master fund. In cases where the Company consolidates the feeder fund, it retains the feeder fund’s net asset presentation and reports the consolidated feeder fund’s proportionate share of the net assets of the master fund in “Other invested assets,” with any unaffiliated investors’ non-controlling interest in the feeder fund reported in “Other liabilities” or “Noncontrolling interests.” The consolidated feeder funds’ investments in these master funds, reflected on this net asset basis, totaled $459 million and $428 million as of December 31, 2020 and 2019, respectively. There was $201 million and $230 million of unaffiliated interest in the consolidated feeder funds as of December 31, 2020 and 2019, respectively, and the master funds had gross assets of $54,123 million and $89,313 million, respectively, and gross liabilities of $50,706 million and $86,471 million, respectively, which are not included on the Company’s balance sheet. | 262 | 10K |
SwissReAG-AR_2011 | 58 | Net income after non-controlling interests 1 980 2 578 Convertible perpetual capital instrument (net income)1 –1 117 Dividends on common shares4 –319 Cumulative effect of adoption of ASU No. 2009-173 60 Balance as of period end 19 651 22 229 | 40 | annual_report |
Sampoplc-AR_2007 | 621 | Summary of Signifi cant Accounting Policies. . . . . . . . . . . . . . . . . . . . . . . 52 | 29 | annual_report |
2300 | 1,644 | On August 20, 2002, in connection with the Citigroup Distribution, stock-based awards held by Company employees on that date under Citigroup’s various incentive plans were cancelled and replaced by awards under the Company’s own incentive programs. | 36 | 10K |
Sampoplc-AR_2000 | 1,460 | Real estate shares in associated undertakings 52 52 56 61 61 67 | 12 | annual_report |
5191 | 693 | The accompanying financial statements have been prepared on a going concern basis under which we are expected to be able to realize our assets and satisfy our liabilities in the normal course of business. To continue as a going concern beyond the year ended March 31, 2016 and to continue to acquire NIBs we will need to complete securities and debt offerings or obtain alternative sources of financing. Absent additional financing, we will not have the necessary resources to execute our business plan. | 83 | 10K |
5710 | 1,305 | The amortized cost and fair value of our available-for-sale investments in fixed maturity securities presented by contractual maturity as of December 31, 2019 and 2018, were as follows: | 28 | 10K |
4838 | 891 | Operating income is not a substitute for net income determined in accordance with GAAP. The adjustments made to derive operating income are important to understanding our overall results from operations and, if evaluated without proper context, operating income possesses material limitations. As an example, we could produce a low level of net income in a given period, despite strong operating performance, if in that period we experience significant net realized losses from our investment portfolio. We could also produce a high level of net income in a given period, despite poor operating performance, if in that period we generate significant net realized gains from our investment portfolio. As an example of another limitation of operating income, it does not include the decrease in cash flows expected to be collected as a result of credit loss OTTI. Therefore, our management and board of directors also separately review net realized investment gains (losses) and analyses of our net investment income, including impacts related to OTTI write-downs, in connection with their review of our investment portfolio. In addition, our management and board of directors examine net income as part of their review of our overall financial results. | 194 | 10K |
gb_lloyds_banking_grp-AR_2014 | 1,445 | Background The Audit Committee confirmed in the Group’s 2013 Annual Report and Accounts that it was considering conducting an audit tender during 2014 with a view to reappointing a new firm, or PricewaterhouseCoopers (PwC), with effect from 1 January 2016. A final decision was to be made once there was further clarity on the likely requirements of the proposed EU Directive concerning the mandatory change of auditors. | 67 | annual_report |
5332 | 1,150 | certain senior unsecured notes, plus applicable premium and accrued and unpaid interest, for cash totaling $16.2. We recognized a loss on extinguishment of debt of $3.4 on the repurchase of these notes. | 32 | 10K |
HiscoxLtd-AR_2004 | 480 | Net asset value (before equalisation provision) 389,540 293,306 132.8 346,275 290,630 119.1 | 12 | annual_report |
Sampoplc-AR_2004 | 1,911 | The contact information for subsidiaries providing P&C insurance services is available in the Annual Report part for ‘If P&C Insurance’. | 20 | annual_report |
fr_axa-AR_2001 | 2,354 | Chairman and Chief Executive Officer of Schneider Electric; Director or Supervisory Board Member of Finaxa, Vivendi, CNRS and A.N.S.A. | 19 | annual_report |
2801 | 973 | Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. Significant components of our net deferred tax asset are as follows: | 42 | 10K |
1996 | 1,149 | the contribution to income/loss of divested businesses that we sold or exited that did not qualify for “discontinued operations” accounting treatment under GAAP; and | 24 | 10K |
NatwestGroupPLC-AR_2017 | 2,946 | 2017 2016* Ulster Private RBS Ulster Private RBS UK PBB Bank RoI Banking International Total UK PBB Bank RoI Banking International Total £m £m £m £m £m £m £m £m £m £m | 32 | annual_report |
gb_prudential-AR_2014 | 4,344 | The assets and liabilities of the Scheme were: 31 Dec 2014 31 Dec 2013 31 Dec 2012 31 Dec 2011 31 Dec 2010 | 23 | annual_report |
AegonNV-AR_2008 | 4,928 | insurance asset is an insurer’s contractual right under an insurance contract. | 11 | annual_report |
NatixisSA-AR_2012 | 15 | 1.2 HISTORY AND LINKS WITH BPCE 6 1.2.2 Financial solidarity mechanism 6 1.2.3 BPCE organization chart 7 1.3.1 Income statement 8 1.3.2 Financial structure (Basel 2.5) 8 1.3.3 Net revenues by business 8 1.3.4 Pre-tax profi t by business 9 1.3.5 Long- and short-term ratings (as of February 2013) 9 1.3.6 2013 Investor Relations calendar 9 1.4 NATIXIS’ BUSINESS LINES 10 1.4.1 Wholesale Banking 10 1.4.2 Investment Solutions 14 1.4.3 Specialized Financial Services 20 1.4.5 Major contracts 29 1.4.6 Financial investments 32 | 82 | annual_report |
619 | 724 | Activity in the valuation allowance for all mortgage loans for the years ended December 31, 1997, 1996 and 1995 is summarized as follows: | 23 | 10K |
5340 | 4,224 | · investments to upgrade our technology and underwriting processes challenge our management of general operating expenses. | 16 | 10K |
5781 | 595 | Losses and LAE decreased $19.2 million, or 7.7%, to $228.4 million for the year ended December 31, 2018, as compared to $247.6 million for the year ended December 31, 2017. The lower loss ratio was the result of the decrease in the size of Automobile ($21.2 million lower losses, including adverse development) driven by exiting the line of business. | 59 | 10K |
AdmiralGroupPLC-AR_2005 | 679 | ii) Data driven pricing The Group’s underwriting philosophy is focused on a sophisticated data-driven approach to pricing and underwriting and on exploiting the competitive advantages direct insurers enjoy over traditional insurers through: collating and analysing more comprehensive data from customers tight control over the pricing guidelines in order to target profitable business sectors; and fast and flexible responsiveness to data analysis and market trends | 64 | annual_report |
3838 | 803 | 2. Retrospective tests of the ratios of the loss reserves to earned premiums and to estimated ultimate incurred losses; | 19 | 10K |
PosteItalianeSpA-AR_2018 | 5,137 | There were no transfers of the related financial instruments measured at fair value on a recurring basis between level 1 and level 2 in 2018. | 25 | annual_report |
fr_axa-AR_2001 | 3,620 | Sun Life & Provincial Holdings (SLPH) subsequently renamed AXA UK Holdings – buyout of minority interests (44%) In July 2000, AXA acquired the 44% minority interests in SLPH, which was subsequently delisted from the | 34 | annual_report |
ASRNederlandNV-AR_2018 | 874 | Externally managed assets The external providers’ SRI policy is a key decision criterion in the selection of external managers. To the extent possible, a.s.r. seeks managers with a SRI policy that is as comparable as possible to that of a.s.r. and, as a minimum norm, a.s.r. requires exclusion of controversial weapons as per the Sustainable Investing Code of the Dutch Insurance Association and the best possible effort to be a signatory to the UN PRI and the UN Global Compact principles. In addition, a.s.r. engages with its external managers to enhance their SRI policy, implementation and transparency. In September 2018, a.s.r. engaged actively with new and existing managers such as BlackRock, with whom a.s.r. co-developed and seeded the first ESG EMD index tracker fund. a.s.r. receives frequent sustainability reporting from its external managers and, where possible, a.s.r. requests impact metrics in addition to the SDG reporting. | 146 | annual_report |
2268 | 5,013 | The following discussion and analysis of financial conditions and results of operations should be read in conjunction with our consolidated financial statements, notes to our consolidated financial statements and other financial information appearing elsewhere in this report. | 37 | 10K |
5441 | 679 | underlying investments. Equity securities are designated as available for sale and are carried at fair value. The difference between cost and fair value, net of deferred income taxes, is reflected as a component of AOCI. | 35 | 10K |
5672 | 1,153 | Investment income primarily includes interest and dividend income (including interest income from our premium financing operations), which is accrued as it is earned. Net gains on divestitures represent one-time | 29 | 10K |
AegonNV-AR_2012 | 2,228 | Chairs of the Audit Committee and Risk Committee met twice with officials of Aegon’s lead regulator, De Nederlandsche Bank | 19 | annual_report |
2415 | 1,040 | During 2003, we sold a 50% interest in certain of our venture capital partnerships to an outside party and transferred the remaining 50% interest in those partnerships to our closed block. The carrying value of the partnerships sold and transferred totaled $52.2 million after realizing a loss of $19.4 million ($5.1 million recorded in 2002 and $14.3 million recorded in 2003). The unfunded commitments of the partnerships sold and transferred totaled $27.2 million; the outside party and the closed block will each fund half of these commitments. At the time of transfer, the partnerships transferred constituted less than 0.5% of the assets of the closed block. | 106 | 10K |
fr_axa-AR_2013 | 1,968 | Net banking revenues increased by €4 million (+1%) to €316 million. Operating net banking revenues (1) increased by €42 million (+13%) mainly due to a higher interest margin | 28 | annual_report |
NatixisSA-AR_2011 | 619 | In 2011, the Natixis’ share price decreased by 40.9% (from €3.29 at the end of 2010 to €1.94 at the end of 2011). Over the same period, the Euro zone banking stocks index (DJ Euro Stoxx Bank) declined by around 32.5%. At March 5, 2012, the Natixis share price stood at €2.70. | 52 | annual_report |
TrygAS-AR_2019 | 1,544 | Number of full-time employees, continued business, at 31 December 4,151 4,027 3,373 3,264 3,359 | 14 | annual_report |
NatixisSA-AR_2019 | 10,559 | The world’s leading scientists contributing to the Intergovernmental Panel on Climate Change (IPCC) have warned there is only 10 years left to limit global warming to 1,5 ° C and avoid catastrophic environmental (see the IPCC 2018 report | 38 | annual_report |
AvivaPLC-AR_2010 | 101 | Information on the company 27 Organisational structure 40 Selected consolidated financial data 42 Financial and operating performance 43 Analysis of investments 57 Property 64 Contractual obligations 65 Risk management 66 Capital management 70 | 33 | annual_report |
3281 | 1,358 | Sales of fixed-maturity investments - The majority of our fixed-maturity securities are held until maturity. Any decision to sell or reduce a holding is executed either to improve long term total return prospects or in response to adverse credit concerns. | 40 | 10K |
3430 | 825 | The primary sources of funds for Fireside Bank are customer deposits, repayments of automobile loans, interest on automobile loans and investment income. The primary uses of funds for Fireside Bank are automobile loans made to consumers, repayment of customer deposits, interest paid to depositors and general expenses. | 47 | 10K |
fr_axa-AR_2006 | 4,338 | Minority interests share in unrealized gains and losses (c) (273) (220) (205) | 12 | annual_report |
275 | 255 | At December 31, 1995, the fixed maturity portfolio included $139.4 million of below investment grade bonds (below "Baa") recorded at fair value, which represented 1.5% of the fixed maturity portfolio, and had an associated amortized cost of $133.8 million. At December 31, 1994, the carrying value of below investment grade bonds included in the fixed maturity portfolio was $193.8 million, which represented 2.5% of the fixed maturity portfolio, and had an associated market value of $193.4 million. Virtually all of the nonconvertible, below investment grade bonds were purchased at investment grade, but were subsequently downgraded. UNUM's investment policy is to invest primarily in fixed maturities of investment grade quality. Selected purchases of convertible subordinated debentures, which UNUM considered to be part of its investment strategy for equity securities, have contributed to the amount of below investment grade bonds. Fixed maturity ratings are obtained from external rating agencies, and if not externally rated, are rated by UNUM internally using similar methods. Management does not expect any risks or uncertainties associated with below investment grade bonds to have a significant affect on UNUM's consolidated financial position or results of operations. UNUM had no fixed maturities delinquent 60 days or more at December 31, 1995. The percentage of fixed maturities delinquent 60 days or more, compared to total fixed maturities, was 0.25% at December 31, 1994. | 223 | 10K |
5139 | 3,461 | In July 2010, the Environmental Protection Agency (“EPA”) advised Metropolitan Life Insurance Company that it believed payments were due under two settlement agreements, known as “Administrative Orders on Consent,” that New England Mutual Life Insurance Company (“New England Mutual”) signed in 1989 and 1992 with respect to the cleanup of a Superfund site in Florida (the “Chemform Site”). The EPA originally contacted Metropolitan Life Insurance Company (as successor to New England Mutual) and a third party in 2001, and advised that they owed additional clean-up costs for the Chemform Site. The matter was not resolved at that time. The EPA is requesting payment of an amount under $1 million from Metropolitan Life Insurance Company and such third party for past costs and an additional amount for future environmental testing costs at the Chemform Site. In September 2012, the EPA, Metropolitan Life Insurance Company and the third party executed an Administrative Order on Consent under which Metropolitan Life Insurance Company and the third party have agreed to be responsible for certain environmental testing at the Chemform Site. The Company estimates that its costs for the environmental testing will not exceed $100,000. The September 2012 Administrative Order on Consent does not resolve the EPA’s claim for past clean-up costs. The EPA may seek additional costs if the environmental testing identifies issues. The Company estimates that the aggregate cost to resolve this matter will not exceed $1 million. | 235 | 10K |
5799 | 961 | According to Taiwan accounting rules and corporation regulations, the Company’s subsidiaries in Taiwan must appropriate 10% of net income to statutory reserves until the accumulated reserve reaches registered capital. The reserve can be converted into share capital by issuing new shares to existing shareholders in proportion to their shareholding or by increasing the par value of the shares currently held by them, with a limitation that the reserve left is not less than 25% of the registered capital after converting to share capital. As of December 31, 2019 and 2018, the Company had statutory reserves in responding to the regulation requirements in Taiwan in the amount of $8,228,904 and $7,299,123, respectively. | 111 | 10K |
TrygAS-AR_2007 | 1,141 | Novo Nordisk. The council is currently working on a charter of eco-guidelines that will be finalised and passed in | 19 | annual_report |
NatwestGroupPLC-AR_2020 | 4,659 | Notes: (1) Defined benefit obligations are subject to annual valuation by independent actuaries. (2) NatWest Group recognises the net pension scheme surplus or deficit as a net asset or liability. In doing so, the funded status is adjusted to reflect any schemes with a surplus that NatWest Group may not be able to access, as well as any minimum funding requirement to pay in additional contributions. This is most relevant to the Main section, where the surplus is not recognised. Other NatWest Group schemes that this applies to include the Ulster Bank Limited scheme and the NatWest Markets section. | 99 | annual_report |
2026 | 1,300 | MONY Group maintains a syndicated credit facility with banks aggregating $150.0 million, with a scheduled renewal date in July 2003. The purpose of this facility is to provide additional liquidity for any unanticipated short-term cash needs that MONY Group might experience and also to serve as support for MONY Group’s $150 million commercial paper program which was activated in the third | 61 | 10K |
RaiffeisenBankInternationalAG-AR_2015 | 3,026 | LLC "Insurance Company 'Raiffeisen Life", Moscow (RU) 240,000,000 RUB 25.0% VV | 11 | annual_report |
5371 | 2,542 | We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion. | 128 | 10K |
RSAInsuranceGroupPLC-AR_2015 | 2,440 | Profits on sale of discontinued operations after tax 103 26 17 24 170 | 13 | annual_report |
HannoverRueckSE-AR_2006 | 1,985 | With effect from 1 January 2000 the Executive Board of Hannover Re, with the consent of the Supervisory Board, introduced a virtual stock option plan that provides for the granting of stock appreciation rights to certain managerial staff. The content of the stock option plan is based solely on the Conditions for the Granting of Stock Appreciation Rights. All the members of the Group's management are eligible for the award of stock appreciation rights. Exercise of the stock appreciation rights does not give rise to any entitlement to the delivery of Hannover Re stock, but merely to payment of a cash amount linked to the performance of the Hannover Re share. Recognition of transactions involving stock appreciation rights with cash settlement is governed by the requirements of IFRS 2 "Share-based Payment". | 131 | annual_report |
4535 | 1,429 | Troubled debt restructurings. Effective July 1, 2011, the Company adopted the FASB's updated guidance (ASU 2011-02) to clarify for lenders that a troubled debt restructuring occurs when a debt modification is a concession to the borrower and the borrower is experiencing financial difficulties. This guidance was required to be applied retrospectively for restructurings occurring on or after January 1, 2011. The amendment also required new disclosures to be provided beginning in the third quarter of 2011 addressing certain troubled debt restructurings. Adoption of the new guidance did not have a material effect to the Company's results of operations or | 99 | 10K |
fr_axa-AR_2008 | 7,369 | 2) Resolve, • to create a new category of shares of the Company, consisting of preferred shares named shares of category B, and in the event of successive issues of non-fungible preferred shares to create new categories of such preferred shares (called B1 for the first issue, B2 for the second issue and so on for the following issues); and | 60 | annual_report |
NatixisSA-AR_2014 | 3,522 | In terms of advice and support to business lines, all projects submitted to the IT Commitment Committee are required to undergo security analysis. This allows the ITSS-BC Department to establish security requirements in conjunction with the business lines, for which the ITSS-BC Department in turn implements appropriate solutions. | 48 | annual_report |
fr_axa-AR_2010 | 9,502 | December 31, 2010, on: ■ the audit of the accompanying consolidated fi nancial statements of AXA, as attached to the present report; ■ the justifi cation of our assessments; ■ the specifi c verifi cation required by law. | 38 | annual_report |
NatwestGroupPLC-AR_2006 | 2,783 | Income statement presentation under US GAAP does not differ significantly from IFRS except that under US GAAP impairment losses are included in total income. | 24 | annual_report |
ScorSE-AR_2011 | 1,876 | 15.2 Total amounts set aside or accrued to provide pension, retirement, or similar benefits for financial year 2011 | 18 | annual_report |
AvivaPLC-AR_2019 | 120 | Employee engagement We give our people the freedom to act in line with our values to create an environment in which they can thrive through collaboration and recognition. We measure this through our annual global ‘Voice of Aviva’ survey. Engagement is down three percentage points to 73%, due to a period of uncertainty and change, however, the proportion of employees recommending Aviva as a great place to work is at an all-time high. | 73 | annual_report |
17 | 509 | The interest rates used in the calculation of disability product reserves at December 31, 1993, and 1992, were as follows: 1993 1992 Group long term disability (North America) 9.3% 9.7% Group long term disability (United Kingdom) 10.5% 11.0% Individual disability 8.0% to 10.0% 8.0% to 10.0% | 46 | 10K |
TrygAS-AR_2005 | 1,159 | Denmark are distributed principally through our proprietary distribution networks consisting of five regional customer centers and 16 local service centers staffed by our own customer advisors and sales agents. We also distribute our products through other channels, including affinity groups and Nordea’s 344 bank branches. | 45 | annual_report |
fr_axa-AR_2017 | 6,120 | AXA established Group-wide mobility policies and processes and enabled Group-wide posting of internally and externally available jobs. This makes the mobility opportunities for our employees immediately visible, thereby helping AXA better source the right people for its business needs. | 39 | annual_report |
gb_prudential-AR_2013 | 5,689 | III(f) Economic capital position Following provisional agreement on the Omnibus II Directive on 13 November 2013, Solvency II is now expected to come into force on 1 January 2016. Therefore, our economic capital results are based on outputs from our Solvency II internal model. Although the Solvency II and Omnibus II Directives, together with draft Level 2 ‘Delegated Acts’ provide a viable framework for the calculation of Solvency II results, there remain material areas of uncertainty and in many areas the methodology and assumptions are subject to review and approval by the Prudential Regulation Authority, the Group’s lead regulator. We do not expect to submit our Solvency II internal model to the Prudential Regulation Authority for approval until 2015 and, therefore, the economic capital results shown below should not be interpreted as outputs from an approved Solvency II internal model. | 140 | annual_report |
NatwestGroupPLC-AR_2007 | 5,213 | Non-corporate US Holders should consult their own tax advisers to determine whether they are subject to any special rules that limit their ability to be taxed at this favourable rate. | 30 | annual_report |
TopdanmarkAS-AR_2014 | 1,127 | Remuneration of the Executive Board The Company has paid no remuneration to the Executive Board but an adminstration agreement provides that it pays a share of the overall remuneration paid to the Executive Board | 34 | annual_report |
ScorSE-AR_2008 | 1,208 | 15.1 Amount of remuneration paid and benefi ts in kind 15.1.1 DIRECTORS’ FEES AS OF 31 DECEMBER 2008 | 18 | annual_report |
834 | 330 | For the years ended December 31, 1997, 1996 and 1995, Trenwick America Re earned commissions on cessions to retrocessionaires of $4,503,000, $1,235,000 and $13,000, respectively. | 25 | 10K |
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