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ch_zurich_insurance_group-AR_2004 | 1,862 | (e) Additional paid-in capital (capital reserve) This reserve is not ordinarily available for distribution. | 14 | annual_report |
ScorSE-AR_2011 | 6,301 | - Fluctuation of quotation related risks Section 4 - Employees’ shareholding in SCOR SE Sections 17 and 18.1 - Adjustment of the conversion basis for securities granting access to the share capital Section 20.1.6.14 | 34 | annual_report |
NatwestGroupPLC-AR_2020 | 3,078 | Credit grading models Credit grading models is the collective term used to describe all models, frameworks and methodologies used to calculate PD, exposure at default (EAD), LGD, maturity and the production of credit grades. | 34 | annual_report |
ScorSE-AR_2010 | 2,371 | The cash flows, by segment, are presented as follows: For the year ended 31 December 2010 2009 | 17 | annual_report |
5516 | 2,565 | Equity index options. We have equity index options associated with various equity indices. The valuation of equity index options is determined using an income approach. The primary inputs into the valuation represent forward interest rates, equity index volatility, equity index and time value component associated with the optionality in the derivative, which are considered significant unobservable inputs in most instances. The equity index volatility surface is determined based on market information that is not readily observable and is developed based upon inputs received from several third-party sources. Accordingly, these options are classified as Level 3. As equity index volatility increases, our valuation of these options changes favorably. | 107 | 10K |
NatixisSA-AR_2013 | 1,425 | Chairman of the Management Board of Caisse d’Epargne Rhône-Alpes Chairman of: Agence Lucie (2) | 14 | annual_report |
5432 | 1,593 | In connection with the Company’s initial analysis of the impact of U.S. Tax Reform, it recorded a discrete provisional net tax benefit of $1,033.8 million in the period ending December 31, 2017. This estimated net benefit primarily consists of the U.S. federal rate reduction from 35 percent to 21 percent applied to the net deferred tax liability. The Company provisionally estimates there would be no one-time transition tax on unrepatriated earnings of foreign subsidiaries. However, this tax could change based on future clarification of U.S. Tax Reform, as well as due to the Company gathering additional information to more precisely compute the transition tax. Further, as a result of U.S. Tax Reform, the Company established a valuation allowance of $58.9 million related to U.S. foreign tax credit carryforwards. The valuation allowance relates to the Company’s interpretation of the changes in the ability to use existing foreign tax credit carryforwards against future foreign branch profits. The valuation allowance could change based on future interpretation and analysis of U.S. Tax Reform. | 169 | 10K |
2419 | 639 | Additionally, CNA Re recorded $15 million of unfavorable net prior year development for construction defect related exposures. Because of the unique nature of this exposure, losses have not followed expected development | 31 | 10K |
TopdanmarkAS-AR_2014 | 88 | The claims trend improved 3.9pp to 68.2%. The claims trend benefited from fewer weather-related claims, representing 1.7pp. Additionally, the claims trend improved for theft and fire insurance, which had a 1.5pp positive impact on the claims trend. Finally, run-off profits were DKK 16m higher than in 2013, representing a 0.3pp improvement of the claims trend. | 55 | annual_report |
5646 | 2,503 | In June 2016, the FASB issued ASU 2016-13, "Financial Instruments-Credit Losses", which requires financial assets measured at amortized cost to be presented at the net amount expected to be collected through the use of a new forward-looking expected loss model and credit losses relating to available-for-sale debt securities to be recognized through an allowance for credit losses. ASU 2016-13 is effective for interim and annual reporting periods beginning after December 15, 2019. Early adoption for interim and annual periods beginning after December 15, 2018 is permitted. We have evaluated the impact of this guidance on our invested assets. Our investments are not measured at amortized cost, and therefore do not require the use of a new expected loss model. Our available-for-sale debt securities will continue to be monitored for credit losses which would be reflected as an allowance for credit losses rather than a reduction of the carrying value of the asset. Other financial assets subject to this guidance include our receivables from the Exchange and its subsidiaries and agent loans. Given the financial strength of the Exchange, demonstrated by its strong surplus position and industry ratings, it is unlikely these receivables would have significant, if any, credit loss exposure. Accordingly, we do not expect a material impact on our financial statements or related disclosures as a result of this guidance. | 221 | 10K |
TrygAS-AR_2020 | 304 | Private sells insurance products to private individuals in Denmark and Norway. Sales are effected via call centres, the internet, Tryg’s own agents, Alka (Denmark), franchisees (Norway), interest organisations, car dealers, estate agents and Danske Bank branches. | 36 | annual_report |
4714 | 1,286 | In our opinion, Aflac Incorporated maintained, in all material respects, effective internal control over financial reporting as of December 31, 2013, based on criteria established in Internal Control - Integrated Framework (1992) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). | 44 | 10K |
HelvetiaHoldingAG-AR_2017 | 627 | The segments also largely performed well. In Switzerland and Europe, we improved our results relative to the previous year by 11.9 % and 5.4 %, respectively. The Specialty Markets segment remained behind the previous year’s result. In particular, claims arising from Hurricanes Harvey, Irma and Maria effected the result. The Corporate segment also lagged behind the previous year, a result that can be attributed to the aforementioned higher financing costs and the lack of the extraordinary positive tax effect included in the previous year. As intended, planned project costs were also higher than in the previous year. Detailed comments on the results of the respective business areas and the segments can be found on the following pages. | 117 | annual_report |
Sampoplc-AR_2004 | 330 | He holds 8,000 Sampo plc shares directly or through controlled company | 11 | annual_report |
RaiffeisenBankInternationalAG-AR_2007 | 1,928 | Tangible fixed assets 1,635,596 (62,697) (63,736) 466,852 (138,495) 47 1,837,567 Land and buildings used by the Group for own purposes 600,069 – (46,978) 90,373 (17,240) 1,742 627,967 of which land value of developed land 7,510 – (738) 657 – – 7,429 | 41 | annual_report |
3448 | 1,398 | During 2007, OneBeacon declared and paid dividends of $394 million to Fund American. Also during 2007, White Mountains Re paid $20 million of dividends to its immediate parent in addition to the $392 million from the WMRe Senior Notes proceeds. | 40 | 10K |
SwissReAG-AR_1912 | 11 | Life DepL. Premium Reserve from 1911 . Annuity Fund from 1911 , , . . Reserve for outstanding losses from 1911 . . . . Premiums, less cancellations Consideration for Annuities, less retrocession . . . . Interest Interest, after deduction of interest on Life Dept- account | 47 | annual_report |
2800 | 768 | Investment activities of the Company are integral to its insurance operations. Since life insurance benefits may not be paid until many years into the future, the accumulation of cash flows from premium receipts are invested with income reported as revenue when earned. Anticipated yields on investments are reflected in premium rates, contract liabilities, and other product contract features. These anticipated yields are implied in the interest required on the Company's net insurance liabilities (future policy benefits less deferred acquisition costs) and contractual interest obligations in its insurance and annuity products. The Company benefits to the extent actual net investment income exceeds the required interest on net insurance liabilities and manages the rates it credits on its products to maintain the targeted excess or "spread" of investment earnings over interest credited. The Company will continue to be required to provide for future contractual obligations in the event of a decline in investment yield. For more information concerning revenue recognition, investment accounting, and interest sensitivity, please refer to Note 1, Summary of Significant Accounting Policies, and Note 3, Investments, in the Notes to Consolidated Financial Statements and the discussions under Investments in Item 7 of this report. | 195 | 10K |
4310 | 1,665 | The $8.6 billion unfavorable variance in freestanding derivatives was primarily attributable to market factors, including rising interest rates, improving equity markets on equity options and futures, decreased equity volatility, weakening U.S. dollar, and narrowing credit spreads. Long-term and mid-term interest rates increased in the current period which caused a negative impact of $4.4 billion on our interest rate derivatives, $1.2 billion of which is attributable to hedges of variable annuity minimum benefit guarantees. Equity markets improved while equity volatility decreased in the current period, which had a net negative impact of $3.1 billion on our equity derivatives, which we use to hedge variable annuity minimum benefit guarantees. Weakening of the U.S. dollar in the current period had a negative impact of $646 million on certain foreign currency derivatives that are used to hedge foreign-denominated asset and liability exposures. Narrowing corporate credit spreads had a negative impact of $453 million on our purchased protection credit derivatives. | 155 | 10K |
AdmiralGroupPLC-AR_2008 | 129 | • Our policies are distributed through direct channels – over the telephone, through our own websites and also increasingly via price comparison websites | 23 | annual_report |
5718 | 1,318 | Our IIF increased 6.0% in 2019 and we expect our IIF to grow in 2020. Our book of IIF is an important driver of our future revenues, and its growth is driven by our ability to generate NIW and retain existing policies in force, as measured by our persistency. Interest rates influence both our NIW and persistency. In a rising rate environment, total mortgage originations may decline, however, we would also expect policy cancellation rates to decline, and in turn increase persistency, although the impact generally lags the change in interest rates. | 92 | 10K |
INGGroepNV-AR_2014 | 6,981 | › Are available to be used only to pay or fund employee benefits, are not available to the reporting enterprise’s own creditors (even in bankruptcy), and cannot be returned to the reporting enterprise, unless either the remaining assets of the fund are sufficient to meet all the related employee benefit obligations of the plan or the reporting enterprise, or the assets are returned to the reporting enterprise to reimburse it for employee benefits already paid. | 75 | annual_report |
SwissReAG-AR_2000 | 234 | The IT division supports Swiss Re’s global IT organisation in its dual role: enabling efficient business processes Group-wide and driving innovation. It also ensures efficient project portfolio management and resource allocation to make best use of synergies. | 37 | annual_report |
1581 | 335 | Financial Information: The statutory capital and surplus of the Insurance Subsidiaries as of December 31, 2000 and 1999 was $193.3 million and $179.3 million, respectively. Statutory net income for the years ended December 31, 2000, 1999 and 1998 was $26.2 million, $19.2 million, and $16.1 million, respectively. Capital contributions for the years ended December 31, 2000 and 1999 were $0 and $17.5 million, respectively. | 64 | 10K |
1484 | 530 | GAAP BASIS $ 1,465,733 $ 1,251,984 Non-insurance companies liabilities, net 23,133 42,962 Premium revenue recognition (124,878) (110,650) Loss and loss adjustment expense reserves 65,204 54,971 Deferred acquisition costs (201,136) (198,048) Contingency reserve (608,335) (473,387) Unrealized loss (gain) on investments, net of tax (104,080) 67,179 Deferred income taxes 123,121 53,357 Accrual of deferred compensation 52,004 80,811 Surplus notes 120,000 120,000 Other 17,580 (42,484) ----------- ----------- | 64 | 10K |
fr_axa-AR_2006 | 5,399 | AXA GROUP SHAREPLAN AXA offers its employees the opportunity to become shareholders through special employee share offerings. In countries that meet the legal and fiscal requirements, two investments options are available: the traditional plan and the leveraged plan. | 38 | annual_report |
594 | 340 | Financial Statements and Supplementary Data. The consolidated financial statements and supplementary data of the Company are incorporated herein by reference to pages 33 through 52, inclusive, of the 1997 Annual Report. An index to the consolidated financial statements is contained in Item 14 (a)(1) of this report, and the Quarterly Financial Information is incorporated herein by reference to page 53 of the 1997 Annual Report. | 65 | 10K |
AvivaPLC-AR_2009 | 2,294 | (1,081) Foreign exchange rate movements 34 & 36b (951) 2,684 (224) Aggregate tax effect – shareholder tax 13b (196) 219 | 20 | annual_report |
3833 | 10,446 | There are no contractual requirements for AFG to provide additional funding for these entities. AFG has not provided and does not intend to provide any financial support to these entities. At December 31, 2008 and 2007, the fair value of investments managed by these entities was approximately $1.7 billion and $2.4 billion, respectively. AFG recorded management fee income of $9.2 million, $8.0 million and $7.2 million for the years ended 2008, 2007 and 2006, respectively. AFG's maximum exposure to loss is its aggregate carrying value ($2 million at December 31, 2008, included in fixed maturities). | 95 | 10K |
de_allianz-AR_2002 | 1,784 | S U P P L E M E N TA R Y I N F O R M AT I O N T O T H E C O N S O L I D AT E D I N C O M E S TAT E M E N T 1 ) | 53 | annual_report |
3169 | 1,048 | •The company’s historical ratio of loss settlement expenses (“LAE”) paid to losses paid is consistent and will continue to be consistent. | 21 | 10K |
fr_axa-AR_2009 | 6,717 | Investments (excluding those backing contracts where the fi nancial risk is borne by policyholders) 406,979 401,410 68.71% | 17 | annual_report |
de_allianz-AR_2012 | 2,083 | “worst case” amount in economic value that we might lose at a certain confidence level. However, there is a statistically low probability of 0.5 % that actual losses could exceed this threshold at Group level in the course of one year. | 41 | annual_report |
de_allianz-AR_2007 | 1,964 | � mn � mn � mn � mn � mn 6) Represents acquisition and administrative expenses (net) divided by premiums earned (net). | 22 | annual_report |
2625 | 969 | Despite the stable claim trends, we increased our toxic waste loss reserves by $80 million in the third quarter of 2002 based on the estimate of our actuaries and actuarial consultants as to our ultimate exposure. | 36 | 10K |
5433 | 1,166 | Investing activities used cash of $1.3 billion for the year ended December 31, 2017, $2.4 billion in 2016, and $813 million in 2015. Cash flows used in investing activities in 2017 primarily consisted of net additions to the investment portfolio of our regulated subsidiaries, including transfers from cash and cash equivalents to long-term investments, and capital expenditures. | 57 | 10K |
AdmiralGroupPLC-AR_2005 | 454 | The Group financial statements are required by law and IFRS as adopted by the EU to present fairly the financial position and performance of the Group; the Companies Act 1985 provides in relation to such financial statements that references in the relevant part of that Act to financial statements giving a true and fair view are references to their achieving a fair presentation. | 63 | annual_report |
ScorSE-AR_2012 | 5,078 | In EUR million Gross transactions Retroceded transactions 2012 net transactions 2011 net transactions | 13 | annual_report |
SwissLifeHoldingAG-AR_2005 | 2,244 | The group of assets to be disposed of and the liabilities directly associated with those assets (disposal group) have been presented separately in the balance sheet as at 31 December 2005 under assets held for sale and liabilities associated with assets held for sale. | 44 | annual_report |
RaiffeisenBankInternationalAG-AR_2005 | 1,201 | Return on equity (ROE) before tax 29.4% 11.1% 33.2% - 22.2% | 11 | annual_report |
3309 | 3,152 | A small percentage of the Company’s membership is covered by global capitation arrangements. Under the typical arrangement, the provider receives a fixed percentage of premium to cover all the medical costs provided to the globally capitated members. Under some capitated arrangements, physicians may also receive additional compensation from risk sharing and other incentive arrangements. Global capitation arrangements limit the Company’s exposure to the risk of increasing medical costs, but expose the Company to risk as to the adequacy of the financial and medical care resources of the provider organization. In addition to global capitation arrangements, the Company has capitation arrangements for ancillary services, such as mental health care. The Company is ultimately responsible for the coverage of its members pursuant to the customer agreements. To the extent that the respective provider organization faces financial difficulties or otherwise is unable to perform its obligations under the capitation arrangements, the Company will be required to perform such obligations. Consequently, the Company may have to incur costs in excess of the amounts it would otherwise have to pay under the original global or ancillary capitation arrangements. Medical costs associated with capitation arrangements made up approximately 4.9%, 6.1%, and 6.5% of the Company’s total medical costs for the years ended December 31, 2007, 2006 and 2005, respectively. Membership associated with global capitation arrangements was approximately 110,000, 110,000 and 116,000 as of December 31, 2007, 2006 and 2005, respectively. | 234 | 10K |
3391 | 1,945 | The following table provides amortized cost and fair value securities at December 31, 2007. | 14 | 10K |
3918 | 817 | For purposes of expense recognition in 2008, 2007 and 2006, the estimated fair values of the stock option grants are amortized to expense over the options’ expected lives. The fair value of stock options at the date of grant was estimated using the Black-Scholes option pricing model with the following weighted average assumptions: | 53 | 10K |
441 | 424 | The Company enters into various transactions involving off-balance-sheet financial instruments through a variety of futures, swaps, options, forwards and other contracts (the "Contracts") as part of its investing activities. These Contracts are commonly referred to as derivative instruments since their underlying values may be linked to, among other things, interest rates, exchange rates, prices of securities and financial or commodity indexes. The Company uses these Contracts for its asset and liability management activities as well as income enhancements for its portfolio management strategy. Entering into these Contracts involves not only the risk of dealing with counterparties and their ability to meet the terms of the Contracts but also the market risk associated with those positions where the Company does not hold an offsetting security. Exposure to market risk is managed in accordance with risk limits set by senior management and by buying or selling instruments or entering into offsetting positions. | 150 | 10K |
4267 | 803 | We have implemented a plan to write new mortgage insurance in MGIC Indemnity Corporation (“MIC”) in selected jurisdictions in order to address the likelihood that in the future MGIC will not meet the minimum regulatory capital requirements discussed above and may not be able to obtain appropriate waivers of these requirements in all jurisdictions in which minimum requirements are present. MIC has received the necessary approvals, including from the OCI, to write business in all of the jurisdictions in which MGIC would be prohibited from continuing to write new business in the event of MGIC’s failure to meet applicable regulatory capital requirements and obtain waivers of those requirements. | 108 | 10K |
4523 | 3,775 | (b) DIB notes and bonds include structured debt instruments whose payment terms are linked to one or more financial or other indices (such as equity index or commodity index or another measure that is not considered to be clearly and closely related to the debt instrument). The DIB economically hedges its notes, bonds, and GIAs. As a result, certain of the interest rate or currency exposures are hedged with floating rate instruments so the stated rates may not reflect the all-in cost of funding after taking into account the related hedges. | 91 | 10K |
5083 | 582 | Annuities - We market fixed and variable annuity (“VA”) products. These products are primarily sold through broker-dealers, financial institutions, and independent agents and brokers. | 24 | 10K |
AegonNV-AR_2019 | 4,307 | Mortgage loans – Carried at amortized cost 29,593 33,132 28,661 31,711 | 11 | annual_report |
3918 | 637 | Since January 1, 2002, Gallagher acquired one-hundred twenty-two companies, all of which were accounted for as business combinations. Substantially all of the purchase agreements related to these acquisitions contain earnout obligations. The earnout obligations related to the 2008 acquisitions are disclosed in Note 4 to the Consolidated Financial Statements, which represent the maximum amount of additional consideration that could be paid pursuant to the purchase agreements related to the applicable acquisitions. These potential earnout obligations represent the maximum amount of additional consideration that could be paid pursuant to the purchase agreements related to the applicable acquisitions. These potential earnout obligations are primarily based upon future earnings of the acquired entities and were not included in the purchase price that was recorded for these acquisitions at their respective acquisition dates. Future payments made under these arrangements will generally be recorded as additional goodwill when the earnouts are settled. The aggregate amount of unrecorded earnout payables outstanding at December 31, 2008 was $291.5 million and related to acquisitions made by Gallagher in the period from 2005 to 2008. | 176 | 10K |
4532 | 971 | The impact of reinsurance on life insurance inforce at December 31, 2012, 2011 and 2010 is shown in the following table. | 21 | 10K |
1801 | 303 | - entered into an agreement with United Benefit Life Insurance Company as of August 1, 1998 to reinsure 100% of the major medical policies of United Benefit Life and entered into a reinsurance agreement with Hannover in which we ceded 80% of the risk for United Benefit Life policies in force before August 1, 1998 and 50% of the risk for United Benefit Life policies in force after August 1, 1998; | 71 | 10K |
2746 | 6,044 | We have audited management's assessment, included in the accompanying Management's Report on Internal Control Over Financial Reporting, that Great American Financial Resources, Inc. maintained effective internal control over financial reporting as of December 31, 2005, based on criteria established in Internal Control - Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (the COSO criteria). Great American Financial Resources, Inc.'s management is responsible for maintaining effective internal control over financial reporting. Our responsibility is to express an opinion on management's assessment and an opinion on the effectiveness of the Company's internal control over financial reporting based on our audit. | 103 | 10K |
fr_axa-AR_2010 | 8,964 | For pension plans where the fair value of plan assets exceeds the benefi t obligation the aggregate fair value of plan assets and aggregate benefi t obligation were €51 million and €42 million, respectively, as of December 31, 2010. As required by IFRIC 14, a surplus is recognized to the extent that it is recoverable, either through future contribution reductions or a refund to which the Group has an unconditional right. | 71 | annual_report |
4231 | 1,337 | The aggregate intrinsic value in the table above represents the total pre-tax intrinsic value (the difference between the Company’s closing stock price and the exercise price, multiplied by the number of in-the-money options) that would have been received by the option holders had all options been exercised on December 31, 2010. The aggregate intrinsic value of stock options exercised was $431,000, $508,000, and $442,000 during 2010, 2009, and 2008, respectively. The total fair value of options vested was $498,000, $763,000, and $652,000 during 2010, 2009, and 2008, respectively. | 88 | 10K |
HiscoxLtd-AR_2013 | 505 | Ernst Robert Jansen Independent Non Executive Director (Aged 65) 20 November 2008* | 12 | annual_report |
1878 | 1,215 | Total revenues were $3,054.7 million in 2001, an increase of $167.7 million, or 5.8%, from $2,887.0 million in 2000. Premiums increased $68.3 million, or 5.3%, primarily due to an increase in long-term care insurance premiums, which increased $45.6 million, or 14.7%, driven by continued growth in the business. Universal life and investment-type product fees consist primarily of cost of insurance fees and separate account fees and were $423.9 million in 2001, an increase of $35.6 million, or 9.2%, from $388.3 million in 2000. The increase was primarily due to growth in average account values and variable life products fee increases. Net investment income increased $62.2 million, or 5.2%, primarily due to increased asset balances. | 114 | 10K |
4471 | 3,273 | (6) The changes in estimated fair value due to changes in valuation model inputs or assumptions were ($314) million, ($79) million and $172 million for the years ended December 31, 2011, 2010 and 2009, respectively. For the years ended December 31, 2011, 2010 and 2009 there were no other changes in estimated fair value affecting MSRs. | 56 | 10K |
INGGroepNV-AR_2001 | 1,062 | Net cash flow from financing activities 5 , 2 8 3 6 , 5 4 7 | 16 | annual_report |
PosteItalianeSpA-AR_2015 | 5,014 | Directors, which require the Company to invest in instruments such as government securities, highquality corporate or bank bonds and term bank deposits. Liquidity is also deposited in postal current accounts, subject to the same requirements applied to the investment of deposits by private current account holders. | 46 | annual_report |
4415 | 1,648 | ASC Topic 805, Business Combinations requires that the Company make an annual assessment as to whether the value of the Company’s goodwill and intangible assets are impaired. Impairment, which can be either partial or full, is based on a fair value analysis by individual reporting unit. Based upon the Company’s assessment at the reporting unit level, there was no impairment of its goodwill and intangible assets as of December 31, 2011 of $98.8 million. | 74 | 10K |
GjensidigeForsikringASA-AR_2016 | 1,767 | Models for monitoring credit risk The bank uses application score models based on internal and external customer information for decisions relating to customers’ applications for a loan. In addition, the bank uses behaviour score models that predict the probability of default in customers for decisions related to top-ups, collections, group write-downs and other portfolio management decisions. For decisions related to commercial exposures, the bank uses company rating provided by external agencies in addition to | 74 | annual_report |
TopdanmarkAS-AR_2017 | 1,018 | The profit margin for products with guarantees and profit sharing is financed by the individual bonus potentials and secondarily by the collective bonus potentials, which are part of the life insurance provisions. | 32 | annual_report |
fr_axa-AR_2003 | 3,610 | Change in cash due to change in scope of consolidation (280) (157) 91 | 13 | annual_report |
2216 | 1,436 | Income Tax Expense (Benefit)-Income tax expenses or benefits are recorded in various places in our consolidated financial statements. A summary of the amounts and places follows. | 26 | 10K |
SwissReAG-AR_2013 | 915 | Return on equity the return on equity was 6.8% for 2013 compared to 2.6% for 2012. the 2012 return on equity included the loss recognised in the year related to the sale of the admin Re® US business. excluding the loss on disposal, the return on equity would have been 7.7% for 2012. | 53 | annual_report |
nl_ing_grp-AR_2014 | 74 | We want to improve today’s practice and achieve our purpose. We are taking action now and thinking ahead to position ourselves as a leading European bank, empowering our customers to stay a step ahead in life and in business. | 39 | annual_report |
AegonNV-AR_2019 | 7,168 | Other loans - held at amortized cost 2,310 13 2,064 233 2,310 | 12 | annual_report |
NatixisSA-AR_2017 | 234 | These areas of expertise are adapted locally across the three international platforms: Americas: Argentina, Brazil, Canada, Chile, Colombia,a Mexico, Peru and the United States; Asia-Pacific: Australia, China, Hong Kong, India, Indonesia,a Japan, Malaysia, Singapore, South Korea, Taiwan and Thailand; EMEA (Europe, the Middle East and Africa): France, Germany,a Italy, Kazakhstan, Russia, Spain, Switzerland, Turkey, the United Arab Emirates, and the United Kingdom. | 62 | annual_report |
StorebrandASA-AR_2011 | 853 | Control Committee. • Election of an external auditor and fixing the auditor’s remuneration. | 13 | annual_report |
3478 | 1,021 | Torchmark had $892 thousand in investment real estate at December 31, 2007, which was nonincome producing during the previous twelve months. Torchmark had no nonincome producing fixed maturities or other long-term investments during the twelve months ended December 31, 2007. | 40 | 10K |
SwissLifeHoldingAG-AR_2002 | 294 | Maria Luisa Garzoni Born 1936 Swiss Member of the Board Maria Luisa Garzoni completed her studies in architecture and hotel management in 1957. From 1957 to 1962 she was manager of the hotels Livadia and Livadia am See. She has been Managing Director, and a Member of the Board of the familyowned company Garzoni SA since 1963. She joined the Supervisory Board of Swiss Life/Rentenanstalt in 1988. She was appointed to the Board of Directors of Swiss Life/Rentenanstalt in 1997. In 1990 she became a Member of Boards of Trustees for the company’s own employee benefits foundations. In November 2002 Ms Garzoni was subsequently elected to the Board of Directors of the newly established Swiss Life Holding. | 117 | annual_report |
AegonNV-AR_2011 | 2,005 | In addition, certain jurisdictions, such as the European Union, are questioning the use of gender-based distinctions in the insurance industry. This may limit or impede AEGON’s ability to continue to make certain gender-based distinctions in the pricing of financial products such as life insurance, annuities and certain other types of products AEGON sells. On March 1, 2011 the European Court of Justice (ECJ) delivered a judgment in the Test Achats case which relates to the ability of an insurance company to use gender as a rating factor when pricing risk. The ECJ has ruled that using gender as a rating factor when pricing risk is invalid. However, the ECJ has granted a transitional period for relief for implementation. | 118 | annual_report |
NatixisSA-AR_2003 | 238 | During the year, the heads of the business lines take it in turn to make presentations to the Board covering the position and outlook of their business. | 27 | annual_report |
PhoenixGroupHoldingsPLC-AR_2010 | 562 | Our approach extends to the way we deal with governance and risk management issues, and how we manage our relationships with customers, shareholders and other investors or suppliers of capital, outsource and other business partners and suppliers of goods and services, regulators, legislators and the media. | 46 | annual_report |
1161 | 202 | Bonds and other investments carried at $161.1 as of December 31, 1999 were on deposit with governmental authorities by the Corporation's insurance subsidiaries to comply with insurance laws. | 28 | 10K |
Sampoplc-AR_2001 | 1,934 | 52 LOANS AND ADVANCES TO CENTRAL BANKS INCLUDED IN LOANS AND ADVANCES TO CREDIT INSTITUTIONS | 15 | annual_report |
2976 | 1,191 | We maintain defined contribution retirement savings and profit sharing plans covering substantially all of our officers and employees. Under the plans, an eligible employee may elect to defer receipt of a portion of his or her annual pay, including salary and bonus. We contribute this amount to the plan on the employee’s behalf and also make a matching contribution equal to specified percentage of the employees periodic contribution or annual compensation. In addition, at our discretion we generally may make a profit-sharing contribution to the employee equal to a percentage of the employees applicable annual compensation. Employees are 100% vested at all times in the amounts they defer from their annual pay. Employees generally become 100% vested in our matching | 120 | 10K |
NatixisSA-AR_2013 | 4,535 | Customer lease fi nancing outstandings 6,650 3,972 10,622 6,717 4,148 10,865 | 11 | annual_report |
RaiffeisenBankInternationalAG-AR_2020 | 463 | The ACGC is subdivided into L, C and R Rules. L Rules are based on compulsory legal requirements. C Rules (Comply or Explain) should be observed; any deviation must be explained and justified in order to ensure conduct that complies with the ACGC. R Rules (Recommendations) have the characteristics of guidelines; non-compliance does not need to be reported or justified. RBI deviates from the C Rules below, but conducts itself in accordance with the ACGC on the basis of the following explanations and justifications: CC RRuullee 4455:: nnoonn--ccoommppeettiittiioonn ccllaauussee ffoorr mmeemmbbeerrss ooff tthhee SSuuppeerrvviissoorryy BBooaarrdd RBI AG is the central institution of the Raiffeisen Banking Group Austria (RBG). Within RBG, RBI AG serves as the central institution (as defined by § 27a of the BWG) of the regional Raiffeisen banks and other affiliated credit institutions. Some members of the Supervisory Board in their function as shareholder representatives also hold executive roles in RBG banks. Consequently, comprehensive know-how and extensive experience specific to the industry can be applied in exercising the control function of the Supervisory Board, to the benefit of the company. | 182 | annual_report |
1521 | 289 | UNIVERSAL LIFE INSURANCE FEES, NET result from the universal life insurance contract reserves acquired in the Acquisition and the ongoing receipt of renewal premiums on such contracts, and consist of mortality charges, up-front fees earned on premiums received and administrative fees, net of excess mortality expense on these contracts. The Company does not actively market universal life insurance contracts. Universal life insurance fees amounted to $2.2 million and $1.1 million in 2000 and 1999, respectively. Such fees represent 0.84% and 0.83% of average reserves for universal life insurance contracts in the respective periods. | 93 | 10K |
2240 | 1,274 | We lease office space under various operating leases. Certain leases are cancelable with substantial penalties. See “Part I. Item 2. - Properties” for additional information regarding our leases. | 28 | 10K |
4447 | 2,884 | The aggregate notional amount of derivative relationships that could be subject to immediate termination in the event of rating agency downgrades to either BBB+ or Baa1 as of December 31, 2011 was $14.5 billion with a corresponding fair value of $418. The notional and fair value amounts include a customized GMWB derivative with a notional amount of $4.2 billion and a fair value of $207, for which the Company has a contractual right to make a collateral payment in the amount of approximately $45 to prevent its termination. This customized GMWB derivative contains an early termination trigger such that if the unsecured, unsubordinated debt of the counterparty’s related party guarantor is downgraded two levels or more below the current ratings by Moody’s and one or more levels by S&P, the counterparty could terminate all transactions under the applicable International Swaps and Derivatives Association Master Agreement. As of December 31, 2011, the gross fair value of the affected derivative contracts is $223, which would approximate the settlement value. | 167 | 10K |
CNPAssurancesSA-AR_2000 | 935 | – Gimar Finance (SCA): permanent representative of CNP Assurances on the Supervisory Board | 13 | annual_report |
1849 | 1,632 | The benefit obligation for other postretirement benefits was not affected by amendments in 2001. The benefit obligation for other postretirement benefits decreased by $221 million in the year 2000 for changes in the substantive plan made to medical, dental and life benefits for individuals retiring on or after January 1, 2001. The significant cost reduction features relate to the medical and life benefits. The Company adopted a cap that limits its long-term cost commitment to retiree medical coverage. The cap is defined as two times the estimated company contribution toward the cost of coverage per retiree in 2000. The new life insurance plan provides a reduced benefit of $10,000 of life insurance to retirees. | 114 | 10K |
4254 | 1,081 | For additional information on federal and state health care reform and other potential new laws and regulations, as well as discussion of the related risks that we face, see “Item 1. Business-Government Regulation-Federal Legislation and Regulation-Health Care Reform Legislation” and “Item 1A. Risk Factors-“Federal health care reform legislation, as well as potential additional changes in federal or state legislation and regulations, could have an adverse impact on our revenues and the costs of operating our business and could materially adversely affect our business, cash flows, financial condition and results of operations.” | 91 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2017 | 564 | The market environment in property-casualty reinsurance changed in 2017. Global demand for reinsurance was supported by robust growth in major primary insurance markets in both industrialised and emerging countries. | 29 | annual_report |
BaloiseHoldingLtd-AR_2006 | 3,490 | VORABDRUCKties from the banking business. These items are measured at fair | 11 | annual_report |
4997 | 1,321 | Alleghany believes that, as of December 31, 2014, it had no material uncertain tax positions. Interest and penalties relating to unrecognized tax expenses (benefits) are recognized in income tax expense, when applicable. There was no liability for interest or penalties accrued for uncertain tax positions as of December 31, 2014. | 50 | 10K |
4219 | 1,899 | The tables below present reconciliations for all pension plan assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2010 and 2009: | 33 | 10K |
NatwestGroupPLC-AR_2016 | 972 | with the appropriate balance of skills, experience and knowledge as well as independence. Given the nature of RBS’s businesses, experience of banking and financial services is clearly of benefit, and we have a number of directors with substantial experience in that area. The Board also benefits from directors with experience in other fields. | 53 | annual_report |
5710 | 1,429 | Fixed income securities categorized as available-for-sale (“AFS”) are reported at estimated fair value and include those fixed income investments where the Company’s intent to carry such investments to maturity may be affected in future periods by changes in market interest rates, tax position or credit quality. Unrealized gains and losses, net of related deferred income taxes, on AFS securities are reflected in accumulated other comprehensive income (loss) (“AOCI”) in stockholders’ equity. | 71 | 10K |
ScorSE-AR_2013 | 2,576 | Amundi, Société Générale Gestion and Etoile Gestion SNC, further to an acquisition made on 12 May 2011 had exceeded the registered thresholds of 2.5% of the capital and voting rights in SCOR and that they held in their OPCVM 5,248,186 shares. | 41 | annual_report |
de_allianz-AR_2011 | 88 | C o M M i t t e e A C t i v i t i e s the supervisory Board has formed various committees in order to perform its duties efficiently: the Audit Committee, the standing Committee, the personnel Committee, the risk Committee and the nomination Committee. the committees prepare the discussion and adoption of resolutions in the plenary sessions. Furthermore, in appropriate cases, the authority to adopt resolutions has been delegated to the committees. there is no Conciliation Committee because the german Co-Determination Act (“Mitbestimmungsgesetz”), which provides for such a committee, does not apply to Allianz se. please find on page 10 the composition of the committees at the end of the reporting period. | 117 | annual_report |
RSAInsuranceGroupPLC-AR_2012 | 1,133 | Information Policy and the Disclosure and Transparency Rules to ensure that inside information is not disclosed prior to it being made available to shareholders generally. | 25 | annual_report |
5493 | 4,175 | Rental receivables are generally due in periodic installments. The payment periods for leveraged leases generally range from one to 15 years but in certain circumstances can be over 25 years, while the payment periods for direct financing leases range from one to 20 years. For rental receivables, the primary credit quality indicator is whether the rental receivable is performing or nonperforming, which is assessed monthly. The Company generally defines nonperforming rental receivables as those that are 90 days or more past due. At both December 31, 2017 and 2016, all leveraged lease receivables were performing and over 99% of direct financing rental receivables were performing. | 105 | 10K |
fr_axa-AR_2003 | 1,697 | – Operating debt decreased by €297 million, mainly as a result of a €316 million fall in operating debt in AXA Banque which, after the absorption of Banque Directe, became a net lender in the market. As a result, AXA Banque repaid its debts without raising new funds in the market. This decrease was partly offset by an increase in other operating debts, particularly following the entry of Vendôme Haussmann into the scope of consolidation, leading to an increase of €95 million. | 82 | annual_report |
2171 | 675 | The following table summarizes our reinsurance coverage (all losses ceded on a per occurrence basis): | 15 | 10K |
4537 | 1,777 | Acquisition expenses. Acquisition costs decreased $13.2 million for the year ended December 31, 2012 compared to the prior year. This result was due partly to a decrease in net premiums earned and also changes in the mix of business with an increase in excess casualty and retail business earned which have more favorable acquisition cost ratios. In addition, a new quota share reinsurance treaty covering our brokerage-sourced property business that was entered into in the first quarter of | 78 | 10K |
RSAInsuranceGroupPLC-AR_2015 | 869 | Board Composition The Committee monitors the balance of skills, experience, independence and knowledge on the Board as well as gender diversity. The Board currently comprises 78% male and 22% female directors. We remain committed to Lord Davies target for female board composition however, all appointments are made on merit against the agreed selection criteria. On reviewing the diversity on the Board, the Committee agreed that there was no evidence during the year to suggest that a lack of gender diversity had compromised Board debate. However, as we announced at the 2015 AGM, we feel that the Board could benefit from two additional independent Non-Executive Directors. We are seeking individuals whose skills complement and strengthen the Board. Major shareholders have been engaged to understand their views on the skills required on the Board and The Zygos Partnership have been appointed to conduct the search. Zygos has no other connection with the Group. They are accredited by the Davies Review under the Enhanced Code of Conduct for Executive Search Firms as they have a strong track record in assisting boards to enhance their gender diversity. A search is ongoing and any appointments will be announced in due course. | 196 | annual_report |
5497 | 1,881 | Revenue from external customers includes premiums, fees and other revenues and mail order pharmacy revenues. The following table presents these revenues by product type for the years ended December 31: | 30 | 10K |
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