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4243 | 764 | First Acceptance Corporation (the “Company”) is a holding company based in Nashville, Tennessee with operating subsidiaries whose primary operations include the selling, servicing and underwriting of non-standard personal automobile insurance. The Company writes non-standard personal automobile insurance in 12 states and is licensed as an insurer in 13 additional states. The Company issues policies of insurance through three wholly-owned subsidiaries: First Acceptance Insurance Company, Inc., First Acceptance Insurance Company of Georgia, Inc. and First Acceptance Insurance Company of Tennessee, Inc. (the “Insurance Companies”). | 83 | 10K |
AegonNV-AR_2016 | 67 | The environment in which we operate is changing fast, and over the course of the year we continued to demonstrate how we are adapting to the new landscape. In the UK, we divested our annuity book and acquired Cofunds and BlackRock’s defined contribution recordkeeping business. This successfully completed the transformation of our UK business from a largely traditional pension business into a market-leading, cost efficient and scalable platform business, with over 3 million customers and approximately 100 billion pounds of assets under administration. | 83 | annual_report |
SwissReAG-AR_1996 | 763 | Reinsurance Services A lexander Schneeberger Marcel Bürge, Jürg Hofmann, A lfred Klaus, Thomas Lörtscher | 14 | annual_report |
4513 | 1,141 | Interest credited increased $36.7 primarily due to a $1.6 billion increase in fixed account values driven by strong sales of fixed deferred annuity products in 2008 through 2010. | 28 | 10K |
3974 | 654 | Securities with declines attributable to issuer-specific fundamentals are reviewed to identify all available evidence to estimate the potential for impairment. Resources used include historical financial data included in SEC filings for corporate bonds and performance data regarding the underlying loans for CMOs. Securities with declines attributable to market or sector declines where we do not intend to sell the security and it is more likely than not that we will not be required to sell the security before the recovery of its amortized cost basis are not deemed to be other-than-temporary. | 91 | 10K |
3738 | 1,053 | Unless the context otherwise indicates, all references in this Management's Discussion and Analysis and Financial Condition and Results of Operations, or MD&A, to the "Company,""Hilltop," "HTH," "we," "us," "our" or "ours" or similar words are to Hilltop Holdings Inc.(formerly known as Affordable Residential Communities Inc.) and its direct and indirect wholly-owned subsidiaries. | 52 | 10K |
929 | 514 | Total interest paid by the Company on all notes during the years ended December 31, 1998, 1997 and 1996 was $61, $1,014 and $1,300, respectively. | 25 | 10K |
fr_axa-AR_2013 | 5,551 | (1) AllianceBernstein: €97 million was transferred to Minority Interest following dilution of Group share of interest as of December 31, 2013, while €21 million was transferred to Group share following relution of Group share of interest as of December 31, 2012. | 41 | annual_report |
DirectLineInsuranceGroupPLC-AR_2019 | 2,753 | The tables below analyse the credit quality of financial and insurance assets that are neither past due nor impaired (excluding debt securities analysed above). The tables include reinsurance exposure, after provision. The Group’s approach to reinsurance counterparty default risk is detailed on page 177. | 44 | annual_report |
HiscoxLtd-AR_2011 | 1,401 | A summary of the scheme’s recent experience is shown below: Experience gains/(losses) on scheme obligations – – – – 2,783 (3,310) (1,223) Experience gains/(losses) on scheme assets (5,596) 6,075 (3,678) (18,107) 75 6,480 10,764 | 34 | annual_report |
gb_prudential-AR_2006 | 6,901 | When compliance with the EEV Principles is stated, those principles require the directors to prepare supplementary information in accordance with the Embedded Value Methodology (EVM) | 25 | annual_report |
INGGroepNV-AR_2015 | 5,189 | Group risk management function The ING Group Chief Risk Officer (CRO) is also the ING Bank CRO and therefore responsible for the day-to-day Risk Management of the Group and the Bank. As a result of the IPO of NN Group, the ING Group CRO has no direct responsibilities in the risk management of NN Group. The remaining risk functions that are specific for the Group function have been delegated to ING Bank. | 72 | annual_report |
4988 | 1,301 | within casualty and other lines, specialist liability lines, primarily in the 2008 accident year, | 14 | 10K |
500 | 381 | General Re Corporation has $1.2 billion of available lines of credit which provide financial flexibility and support General Re Corporation's commercial paper program. The credit lines consist of a 364-day facility of $400 million and a five-year credit facility of the remaining $800 million. The credit agreements with the banks require General Re to maintain a minimum consolidated tangible net worth, as defined, of $2.7 billion. All $1.2 billion of available lines of credit were unused at December 31, 1996 and 1995. Interest expense and interest paid for all loans payable and commercial paper were as follows: | 97 | 10K |
3549 | 3,938 | The following table sets forth the reclassification adjustments required for the years ended December 31, 2007, 2006 and 2005 in other comprehensive income (loss) that are included as part of net income for the current year that have been reported as a part of other comprehensive income (loss) in the current or prior year: | 54 | 10K |
5138 | 1,594 | Our life insurance business had a net operating loss of $80 million in 2015 compared to net operating income of $74 million in 2014. The decrease was predominantly related to the completion of our annual review of assumptions in the fourth quarter of 2015, which resulted in $194 million of charges, which included $36 million of corrections related to reinsurance inputs, in our universal and term universal life insurance products. The updated assumptions reflected changes to persistency, long-term interest rates, mortality and other refinements. These decreases were partially offset by our term life insurance products largely due to an unfavorable reserve correction of $32 million related to reserves on a reinsurance transaction in 2014 that did not recur and favorable mortality in 2015. | 123 | 10K |
NatwestGroupPLC-AR_2012 | 2,829 | Core AQ1 78,634 73,689 95,691 5,034 478,177 69,220 13,249 813,694 AQ2 342 1,877 14,158 91 7,500 23,404 3,122 50,494 AQ3 56 1,967 30,546 546 10,360 22,319 4,354 70,148 AQ4 18 1,557 101,646 759 13,475 38,808 5,655 161,918 AQ5 90 1,256 110,911 124 5,087 33,226 4,092 154,786 AQ6 9 140 44,012 46 1,987 16,118 1,634 63,946 AQ7 8 432 28,953 13 796 17,514 949 48,665 AQ8 7 20 10,608 19 666 4,068 236 15,624 AQ9 5 83 11,938 276 592 1,769 898 15,561 AQ10 1 164 478 6 339 1,274 180 2,442 Past due — 2 10,047 1,623 — — — 11,672 Impaired — 136 16,457 413 — — — 17,006 Impairment provision — (122) (9,065) (25) — — — (9,212) | 120 | annual_report |
gb_prudential-AR_2000 | 917 | Summarised Consolidated Profit and Loss Account – Achieved Profits Basis Year ended 31 December 2000 | 15 | annual_report |
2566 | 932 | Title Insurance. The title insurance segment consists of our title insurance underwriters and our wholly-owned title insurance agencies. The title segment provides core title insurance and escrow and other title related services including collection and trust activities, trustee’s sales guarantees, recordings and reconveyances. | 43 | 10K |
4979 | 2,181 | other-than-temporary impairments (“OTTI”) in the carrying value of available-for-sale investment securities; and | 12 | 10K |
AdmiralGroupPLC-AR_2012 | 1,090 | • Claims Claims and claims handling expenses are charged as incurred, based on the estimated direct and indirect costs of settling all liabilities arising on events occurring up to the balance sheet date. | 33 | annual_report |
5193 | 831 | For the year ended December 31, 2016, Insurance Underwriting gross premiums written were $132.7 million compared to$116.4 million for the year ended December 31, 2015, representing a 14.0% increase. Net premiums written increased 14.0% to $132.5 | 36 | 10K |
fr_axa-AR_2007 | 2,703 | — The minimum proportion of assets invested in the local currency taking into account technical commitments denominated in this currency (congruence rule). | 22 | annual_report |
NatixisSA-AR_2016 | 8,271 | See note No. Off-balance sheet items – Commitments received 2016 2015 | 11 | annual_report |
1241 | 755 | During the year ended December 31, 1999, the Company issued 188,235 shares of treasury stock to the Chairman of the Board of Directors as a part of a special bonus award. The result was to decrease additional paid in capital and treasury shares by $1,447 and $1,562, respectively. In addition, the Company recorded compensation expense of $115. | 57 | 10K |
2604 | 986 | Net Investment Income: Net investment income from general account assets increased by $49.3 to $1,023.9 for 2004 from $974.6 for 2003. The increase in net investment income is partially due to higher fixed assets under management due to higher net cash flows into fixed products. Also contributing to the increase was a rise in income on derivatives, specifically interest rates swaps and call options, which are used to manage interest rate and equity risk. Partially offsetting the increase in income is a rise in investment management fees and decline in yields. | 91 | 10K |
840 | 583 | On June 17, 1997, the Company entered into an agreement with Zenith to purchase substantially all of the operating assets of the Company and its affiliates at a purchase price equal to the greater of: (i) the book value of the acquired assets less the book value of the assumed liabilities, or (ii) $35 million cash and assumption of $15 million of debt. The transaction is subject to shareholder and regulatory approval. See "Business - Asset Purchase Agreement with Zenith." | 80 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2018 | 336 | In the Polish economy there are presently no clear signs of disruption to the balance where during the upcoming quarters they could lead to a material, cyclical slowdown. The situation in the labor market and the government’s announcements regarding extension of the 500+ program and payout of the “thirteenth pension” in 2019 will drive consumption, although its growth rate may slacken. Among the internal factors that may curtail GDP growth in Poland, one should cite problems with hiring properly qualified staff, possible decline in the willingness to invest in businesses or a higher than expected increase in inflation eroding households’ real income (though the regulations on electricity prices introduced at the end of 2018 contain that risk). | 117 | annual_report |
2987 | 3,978 | •FHCF Retention-provides coverage on $100 million of losses in excess of $50 million and is 70% placed. | 17 | 10K |
5365 | 422 | Our net realized investment gains (losses) for the years ended December 31, 2017 and 2016 are summarized as follows: | 19 | 10K |
de_allianz-AR_2008 | 3,597 | ot es 16 Financial liabilities carried at fair value through income | 11 | annual_report |
HannoverRueckSE-AR_2014 | 2,611 | Net book value after currency translation 2,573,827 148,642 2,425,185 2,218,849 130,521 2,088,328 | 12 | annual_report |
2527 | 845 | In 2004, we completed two acquisitions of retail insurance brokers in our Insurance Brokerage segment and two acquisitions of workplace benefits companies in our Specialized Benefits Services segment. In the first full year of ownership, these acquisitions are expected to add in excess of $70.5 million in revenues, $20.6 million in EBITDA and $4.5 million in net income in accordance with GAAP. | 62 | 10K |
1827 | 250 | Payments to be received or made under interest rate swaps were accrued and recognized in net investment income. Swaps hedging investments were carried at fair value with unrealized gains (losses), net of taxes, charged directly to shareholder's equity. Interest rate and currency swaps hedging liabilities were treated as off-balance sheet instruments. Gains and losses arising from financial future contracts were used to adjust the basis of hedged investments and were recognized in net investment income over the life of the investment. Gains and losses arising from equity index options were marked to market with changes in market value | 98 | 10K |
TopdanmarkAS-AR_2014 | 276 | Insurance holding companies are also covered by the new executive order on solvency for insurance companies. According to these rules, Topdanmark A/S is an insurance holding company. These rules do not require the calculation of solvency requirement for Topdanmark A/S, but they require the calculation of a capital base which must be positive after deduction of the solvency requirements for the subsidiaries. | 62 | annual_report |
NatwestGroupPLC-AR_2014 | 5,830 | Sensitivity measures refer to the changes in deal or portfolio value that result from small changes in market parameters that are subject to the market risk limit framework. | 28 | annual_report |
4779 | 2,656 | The changes in estimated fair values of the hedging derivatives are exclusive of any accruals that are separately reported in the statement of operations within interest income or interest expense to match the location of the hedged item. Accruals on derivatives in net investment hedges are recognized in OCI. | 49 | 10K |
4597 | 579 | We have audited the accompanying consolidated balance sheets of GWG Holdings, Inc. and Subsidiaries (Company) as of December 31, 2012 and 2011, and the related consolidated statements of operations, changes in equity, and cash flows for the years then ended. These consolidated financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits. | 67 | 10K |
3830 | 1,164 | The maximum dividend that could be paid by the insurance subsidiaries to the Company before October 23, 2009, without prior regulatory approval, is $46,733. This capacity increases to $141,061 after October 23, 2009, when US Fire’s capacity increases to $94,328, provided it has not paid any extraordinary dividends prior to that date. | 52 | 10K |
754 | 881 | Amortization of Insurance Acquisition Costs Amortization of insurance acquisition costs includes certain commissions on sales of life insurance products and reflects the effect of the November 1995 acquisition of American Memorial and Loyal. The costs in 1997 and 1996 also reflect $8.1 million and $8.7 million, respectively, of amortization of the present value of future profits. | 56 | 10K |
gb_lloyds_banking_grp-AR_2016 | 5,395 | Write-off of allowance for loan losses, net of recoveries (1,272) (3,467) (5,761) | 12 | annual_report |
5667 | 1,785 | The above table reflects ceded premiums as a percent of gross premiums written for the workers' compensation business only; healthcare professional liability business is assumed net of reinsurance, as discussed above. The ceded premiums ratio reflects the weighted average reinsurance rates of all SPC programs. The ceded premiums ratio remained unchanged for the year ended December 31, 2019 as compared to 2018. | 62 | 10K |
StandardLifeAberdeenPLC-AR_2017 | 1,261 | We’ve trialled a new approach in 2017 to focus on ‘Developing Leadership’ in bite-sized learning format to all employees. These courses have focused on a broad range of topics including coaching, non-executive Director skills and deeper leadership. To date, 575 employees have participated, with plans for further roll out in 2018. | 51 | annual_report |
PhoenixGroupHoldingsPLC-AR_2010 | 2,154 | As a result, the Group’s actual future financial condition, performance and results may differ materially from the plans, goals and expectations set out in the forward-looking statements within the 2010 Annual Report and Accounts. The Group undertakes no obligation to update any of the forward-looking statements contained within the 2010 Annual Report and Accounts or any other forward-looking statements it may make. The 2010 Annual Report and Accounts has been prepared for the members of the Company and no one else. The Company, its Directors or agents do not accept or assume responsibility to any other person in connection with this document and any such responsibility or liability is expressly disclaimed. nothing in the 2010 Annual Report and Accounts should be construed as a profit forecast. | 126 | annual_report |
3448 | 1,259 | Other revenues for 2007 also included $13 million of realized foreign exchange losses compared to $21 million of foreign exchange gains for the comparable prior period. During the fourth quarter 2007, White Mountains Re sold its' wholly-owned subsidiary Stockbridge Insurance Company for $26 million in cash to a third party and recognized a $10 million pre-tax gain on the sale through other revenues. In 2006, other revenues included a $14 million pre-tax gain from the sale of Sirius America, a wholly-owned subsidiary of White Mountains Re. | 86 | 10K |
gb_prudential-AR_2011 | 1,105 | We are in no doubt that good customer service and performance are critical to our reputation and, across all our markets, we constantly monitor this and take action when required. In 2011 our customer service and performance continued to be recognised through a number of awards and industry rankings. | 49 | annual_report |
2151 | 367 | Consolidated Statements of Cash Flows for the Years Ended December 31, 2001, 2002 and 2003 68-71 | 16 | 10K |
AegonNV-AR_2008 | 183 | assets and liabilities, and substantially increased the resources committed to risk management. | 12 | annual_report |
AegonNV-AR_2009 | 3,084 | Insurance contracts for account of policyholders 37,092 22,318 7,924 2,426 – – 69,760 | 13 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2008 | 106 | In ERGO’s case, we last year initiated a project for constantly improving its competitiveness. ERGO is remaining true to its strategy of “One entity with strong brands” and is exploiting the economies of scale that result from the combination of business segments and central functions in the ERGO Group. This project will signifi cantly reduce the expense ratio in due course and ensure the necessary high quality of products and client service. | 72 | annual_report |
5453 | 1,778 | The Company’s mortgage loan portfolio consists of two categories of loans: 1) those not subject to a pooling and servicing agreement and 2) those subject to a contractual pooling and servicing agreement. As of December 31, 2017 (Successor Company), $6.5 million of mortgage loans not subject to a pooling and servicing agreement were nonperforming, restructured, or mortgage loans that were foreclosed and were converted to real estate. None of the restructured loans were nonperforming during the year ended December 31, 2017 (Successor Company). The Company foreclosed on $6.1 million of nonperforming loans during the year ended December 31, 2017 (Successor Company). | 101 | 10K |
5410 | 873 | Legacy Willis - This plan covers approximately one third of the Legacy Willis employees in the United Kingdom. The plan is now closed to new entrants. New employees in the United Kingdom are offered the opportunity to join a defined contribution plan. | 42 | 10K |
StandardLifeAberdeenPLC-AR_2014 | 3,957 | The maturity profile of the contractual undiscounted cash flows in relation to derivative financial instruments is as follows: Within 1 year 2-5 years Total 2014 £m £m £m | 28 | annual_report |
5077 | 3,309 | Amounts for Investments and Deferred tax liabilities have been revised to correct previously reported amounts of $171 million and $18,369 million, respectively. | 22 | 10K |
RaiffeisenBankInternationalAG-AR_2018 | 1,151 | Items that may be reclassified subsequently to profit or loss (199,796) (61,045) | 12 | annual_report |
ScorSE-AR_2015 | 2,854 | Under current French regulations, and in particular Article L. 225-132 of the French commercial Code, any cash capital increase gives a pre-emptive right for shareholders to subscribe to new shares which is proportional to the amount of their shares. The Shareholders’ Meeting which decides or authorizes a capital increase may, under Article L. 225-135 of the French commercial Code, eliminate the pre-emptive subscription right for the entire capital increase or for one or more segments of said increase and may allow or not allow a priority subscription period for shareholders. When the issue is carried out through a public offering or through an offer referred to in Article L.411-2, II of the French financial and monetary Code without pre-emptive subscription rights, the issue price must be set according to Article L. 225-136 of the French commercial Code. In addition, the Shareholders’ Meeting which decides on a capital increase may reserve it for named persons or categories of persons corresponding to specific characteristics, in application of Article L. 225-138 of the French commercial Code. | 173 | annual_report |
3592 | 2,672 | Our insurance company subsidiaries are restricted by state and foreign laws and regulations as to the amount of dividends they may pay to their parent without regulatory approval in any year, the purpose of which is to protect affected insurance policyholders, depositors or investors. Any dividends in excess of limits are deemed “extraordinary” and require approval. Based on statutory results as of December 31, 2007, we estimate our domestic and international insurance companies could pay dividends of approximately $1.5 billion to us in 2008 without obtaining regulatory approval. | 88 | 10K |
4964 | 930 | basis for establishing our CAR reserves. Each of our assumptions could have a reasonably possible range of plus or minus 5 percentage-points for each estimation. | 25 | 10K |
fr_axa-AR_2008 | 3,292 | IFRIC 16, Hedges of a Net Investment in a Foreign Operation, published July 3, 2008 and applicable to the Group from January 1, 2009, provides guidance to an entity that hedges the foreign currency risk arising from its net investments in foreign operations and wishes to qualify for hedge accounting in accordance with IAS 39. IFRIC 16 does not apply to other types of hedge accounting. The interpretation provides guidance on identifying the foreign currency risks that qualify for hedge accounting and where within a group, the hedging instrument can be held. The guidance is to be applied prospectively to transactions and hedging arrangements after the adoption date. | 108 | annual_report |
5884 | 812 | We entered into a shareholders agreement with the Sponsors that provides for certain rights and obligations of each party. The shareholders agreement with the Sponsors includes a put option under which they have the right to require us to purchase their interest in the joint venture beginning on July 2, 2021 and ending on July 1, 2022. Likewise, we have a call option under which we have the right to require the Sponsors to sell their interest in the joint venture to Humana beginning on July 2, 2022 and ending on July 1, 2023. The put and call options, which are exercisable at a fixed EBITDA multiple and provide a minimum return on the Sponsor's investment if exercised, are measured at fair value each period using a Monte Carlo simulation. The simulation relies on assumptions around Kindred at Home's equity value, risk free interest rates, volatility, and the details specific to the put and call options. The fair values of the put option and call option were $45 million and $503 million, respectively, at December 31, 2020 and were $28 million and $557 million, respectively, at December 31, 2019. | 189 | 10K |
5920 | 1,518 | In addition to the breakdown of our Non-life Run-off reserves by line of business we also monitor our reserves by acquisition year. The acquisition year is the year in which the net reserves were acquired via a business acquisition or assumed via a retroactive reinsurance agreement. By analyzing the loss development tables by acquisition year on a prospective basis, the impact of the take-on positions from year to year does not distort the loss development tables. | 76 | 10K |
2380 | 285 | cash flows is less than the carrying value. If software, or components of software, in development are abandoned, the Company takes a charge to write off the capitalized amount in the period the decision is made to abandon it. | 39 | 10K |
AegonNV-AR_2002 | 384 | Net income was GBP 1 12 million compared to GBP 165 million for 2001. Net income is lower as a direct result of weak equity markets leading to lower management and fund related fees as well as the setting up of provisions to meet costs associated with the expense reduction program. | 51 | annual_report |
StandardLifeAberdeenPLC-AR_2010 | 1,631 | 3.14 Principal economic assumptions – stochastic calculations The level of the TVOG is generally calculated using a stochastic projection. This requires an economic scenario generator (ESG) which projects the relevant fund under a large number of different future economic scenarios. A detailed description of the methodology applied in the relevant funds is provided in Note 3.17 – EEV methodology. | 59 | annual_report |
2865 | 932 | PROPERTY AND EQUIPMENT--Property and equipment is stated on the basis of cost. Depreciation is computed using the straight-line method over the estimated useful lives, generally 3 to 5 years for financial reporting purposes. Depreciation expense was $2,144,000, $2,403,000 and $2,258,000 for the years ended December 31, 2005, 2004 and 2003, respectively. Accumulated depreciation was $14,285,000 and $12,164,000 at December 31, 2005 and 2004 respectively. | 64 | 10K |
ScorSE-AR_2015 | 2,768 | Represented by Messrs. Jean-Claude Pauly and Antoine Esquieu Tour Exaltis - 61, rue Henri Regnault 92075 Paris-La Défense cedex, France | 20 | annual_report |
4548 | 913 | Our Level 2 instruments include most of our fixed income securities, which consist of U.S. government agency securities, municipal bonds, certain corporate debt securities, and certain mortgage and asset-backed securities. We measure fair value of our Level 2 instruments using quoted prices of securities with similar characteristics. | 47 | 10K |
LloydsBankingGroupPLC-AR_2001 | 279 | New business income increased by 22 per cent and existing business profits rose 9 per cent, partly as a result of the inclusion of Scottish Widows for the full year, compared with only 10 months in 2000. During the year the life and pensions new business margin, defined as new business income less distribution costs divided by weighted sales, increased to 20.7 per cent, from 18.5 per cent in 2000. The improvement largely arising from cost efficiencies driven by process enhancements, together with an improved product mix. | 87 | annual_report |
HelvetiaHoldingAG-AR_2012 | 1,011 | The book value of property and equipment or an intangible asset amortised using the straight- line method is tested for impairment if there is evidence for impairment. Goodwill and intangible assets with an indefinite useful life are reviewed for impairment annually in the second half of the year. They are also tested for impairment if there is evidence of impairment. | 60 | annual_report |
5868 | 3,278 | lower claim frequency in 2020, and lower loss and LAE ratios in non-crop agricultural businesses and the Singapore branch in 2020 compared to 2019. | 24 | 10K |
2023 | 282 | Investment income was $1,451,169 in 2002, $1,560,080 in 2001 and $1,253,329 in 2001. The 2002 investment income reflects an increase in invested assets offset by a decrease in the effective yield on those invested assets. The increase in 2001 investment income was primarily related to a decrease in investment expenses. Net realized capital gains (losses) were $5,737 in 2002, $191,670 in 2001 and ($5,622) in 2000. | 66 | 10K |
5296 | 1,018 | AMERISAFE holds an investment in a limited partnership hedge fund accounted for under the equity method. The carrying value of this investment is $13.3 million at December 31, 2016. | 29 | 10K |
1319 | 254 | TITLE REVENUES. The Company's revenues from premiums, fees and other revenues increased 10.2% in 1999 over 1998 and 36.9% in 1998 over 1997. The number of title orders opened and closed by the Company and the average revenue per order closed follow (agent operations and certain other income have been excluded). | 51 | 10K |
BaloiseHoldingLtd-AR_2010 | 419 | rISK MEASUrEMENT Our risk model standardises quantification of all business and financial market risks in all strategic business units. It is in line with the principles and calculation methods of the Swiss Solvency Test and the European Union’s Solvency II guidelines. As a pioneering Risk Management tool, it provides a firm foundation to enable management to make strategic and operational decisions. | 61 | annual_report |
NatixisSA-AR_2008 | 7,875 | NATIXIS CONSUMER FINANCE IT (formerly Natixis Consumer Finance) Consumer loans FC 100 100 100 100 France | 16 | annual_report |
2889 | 2,346 | allocated claim adjustment expense development was recorded due to large claims under excess coverages provided to health care facilities. | 19 | 10K |
348 | 418 | On May 22, 1996, the Company consummated the sale of United Capitol Holding Company ("UCHC") and its subsidiaries, United Capitol Insurance Company ("United Capitol"), United Capitol Managers, Inc. and Fischer Underwriting Group, Incorporated ("Fischer"), to a subsidiary of Frontier Insurance Group, Inc. The operating results of UCHC and its subsidiaries are reflected in Capsure's results through the closing date. Net proceeds to Capsure of $77 million, which included the purchase price for the capital stock of UCHC and the release of United Capitol's excess statutory surplus at closing, approximated Capsure's carrying value. The goodwill associated with the 1990 acquisition of United Capitol was previously reduced to estimated net realizable value as of December 31, 1995, resulting in a $13.2 million impairment of goodwill in 1995. | 125 | 10K |
INGGroepNV-AR_2007 | 1,452 | As at 31 December 2007, the non-subordinated receivables amounted to EUR 48,705 million (2006: EUR 39,774 million), and the subordinated receivables amounted to EUR 170 million (2006: EUR 94 million). | 30 | annual_report |
1805 | 540 | We benefit from our ability to reduce workers’ compensation costs and provide employers the ability to control their workers’ compensation programs. We are domiciled in Minnesota and were licensed in Minnesota, Colorado, Missouri, Michigan, Massachusetts, Illinois, Kansas, Connecticut, Wisconsin, Rhode Island, Florida, Iowa, Indiana, Arkansas, Pennsylvania, Tennessee, South Dakota, Maryland, Georgia, New Jersey, North Carolina, Texas and Oklahoma at December 31, 2001. We are also licensed to write workers’ compensation insurance coverage for companies covered under the Longshoreman’s Act. We wrote policies primarily in Minnesota, Colorado, Missouri, Illinois, Kansas, Michigan, Massachusetts, Connecticut and Wisconsin during 2001. In the fourth quarter of 2001, we announced that we would close our regional offices in Missouri and Massachusetts. Beginning February 2002, we began to non-renew all policies in our Missouri and Massachusetts regions and will run off expiring policies in these regions through January 2003. We operate in a single business segment, workers’ compensation insurance. | 152 | 10K |
HiscoxLtd-AR_2002 | 287 | In 2002, Jupiter Asset Management’s Socially Responsible Investment (SRI) team assessed the extent to which Hiscox incorporates environmental and social risks into the underwriting process. Feedback from Jupiter confirmed that because we have started to include these issues into some of our underwriting, we demonstrate sector leadership in our immediate peer group of listed Lloyd’s Underwriters. As a result, Hiscox was deemed to be suitable for a selection of Jupiter’s SRI funds on environmental and social grounds. | 77 | annual_report |
3097 | 1,462 | Net investment income in respect of RIHL includes interest with the amortization of market premiums and discounts and is net of investment management and custody fees. Also included in the investments held through RIHL are short term investments which have a maturity of one year or less when purchased and are carried at cost which approximates fair value. We may redeem our interests in RIHL at the current net asset value no more frequently than monthly. Mellon Bank, NA, provides custodial functions in respect of RIHL, including valuation of the investment assets held through RIHL. Currently, an external investment manager manages the assets held through RIHL, pursuant to written investment guidelines. | 111 | 10K |
3161 | 1,055 | Under the provisions of Statement of Position (“SOP”) No. 98-1, Accounting for the Cost of Computer Software Developed or Obtained for Internal Use, the Company capitalizes costs incurred during the application development stage related to software developed for internal use purposes and for which it has no substantive plan to market externally. Capitalized costs are amortized at such time as the software is ready for its intended use on a straight-line basis over the estimated useful life of the asset, which is generally three to seven years. | 87 | 10K |
1167 | 242 | early in the year generally into fixed income investments, and in 1998, by the strategic realignment of the equity portfolio. | 20 | 10K |
5896 | 1,355 | (2) Includes amounts from the acquired balance sheet of Smart AutoCare. See Note (3) Acquisitions. | 15 | 10K |
AvivaPLC-AR_2006 | 2,166 | O therinform ation Aviva plc Annual Report and Accounts 2006 149 19 – Property and equipment Properties Ownerunder occupied Motor Computer Other construction properties vehicles equipment assets Total £m £m £m £m £m £m | 34 | annual_report |
1684 | 579 | At the adoption date of SFAS 133, the Company designated anew all of its hedging relationships and formally documented these relationships. The Company reclassified all of its held-to-maturity fixed maturity securities to available-for-sale fixed maturity securities. These held-to-maturity securities had an amortized cost of $346.6 million and a fair value of $369.8 million on the date of reclassification. The resulting before-tax unrealized gain of $23.2 million was reported as a component of accumulated other comprehensive income in stockholders' equity as a cumulative effect transition adjustment. No transition adjustment was reported in net income as a result of the adoption of SFAS 133 and SFAS 138. See Note 5. | 108 | 10K |
1304 | 159 | At December 31, 1999 and 1998, we had no outstanding debt. At December 31, 1999 and 1998, letters of credit totaling $121,475,000 and $46,425,000, respectively, issued in the ordinary course of our business had been issued by our bankers in favor of certain ceding insurance companies to provide security and to meet regulatory requirements. These letters of credit are fully collateralized by our investments. We may incur indebtedness in the future in connection with possible acquisitions of, investments in, joint ventures with or other strategic alliances with companies whose businesses complement our business. | 93 | 10K |
NatixisSA-AR_2011 | 895 | The agreement on the prevention of stress and psychosocial risks, in force since 2010, includes: • a Committee for Hygiene, Safety and Working Conditions (CHSCT); • the continuation of the Stress Observatory questionnaire instigated in early 2009; • the provision of free psychological support by telephone; • a special training offer for managers. | 53 | annual_report |
1429 | 162 | Net premiums earned - Note 11 $825,486 $770,423 $772,864 Net investment income - Note 4 49,286 62,668 75,146 Realized investment gains (losses) - Note 4 (5,010) (410) 22,640 --------- --------- -------- 869,762 832,681 870,650 | 34 | 10K |
5491 | 4,805 | • While more of a focus is placed on asset-liability management in Life and Retirement companies, our fundamental strategy across all of our investment portfolios is to optimize the duration characteristics of the assets within a target range based on comparable liability characteristics, to the extent practicable. | 47 | 10K |
2908 | 919 | The Company made an additional equity investment in SPS of $10.3 million in 2004, and did not make any equity investments in SPS in 2005 or 2003. In 2005, the Company sold its investment in SPS. At December 31, 2004, the Company had a 34.1% interest in SPS. The Company’s investment in SPS was accounted for using the equity method of accounting. Amounts recorded by the Company in connection with SPS at December 31, 2005, 2004 and 2003 were as follows (in thousands): | 83 | 10K |
4832 | 1,100 | changes to our assessment as to whether it is more likely than not that we will be required to sell, or have the intent to sell, available for sale debt securities before their anticipated recovery; | 35 | 10K |
fr_axa-AR_2002 | 3,088 | (i) the fair value accounting under FAS 133 for derivatives (€+498 million), partly offset by (ii) the elimination of the realized gain on the disposal of AXA Australia health activities (€–87 million), (iii) a higher impairment charge on equity securities (€–66 million), and (iv) the compensation charge of €–61 million arising on the employee stock purchase plan. | 57 | annual_report |
fr_axa-AR_2009 | 6,713 | Loans designated as at fair value through profi t or loss (a) 39 39 0.01% | 15 | annual_report |
fr_axa-AR_2016 | 642 | In 2015, the two buildings, “787 7th Avenue” and “1285 Avenue of Americas” located in New York, were reclassifi ed as held for sale. On January 27, 2016, AXA Financial completed the sale of the “787 7th Avenue” fully-owned property, at a sale price of $1,950 million. On May 23, 2016, AXA Financial completed the sale of the “1285 Avenue of Americas” (owned at 50%) for a total sale price of $1,650 million. At December end 2016, a total net exceptional gain for the sale of the two buildings has been recorded in net income for €972 million after tax ($1,075 million after tax). | 104 | annual_report |
998 | 220 | Direct insurance and assumed reinsurance premiums earned are recognized on a pro-rata basis over the period of risk. Commission income is recognized at the effective date of the bonds issued. Other income consisting primarily of consulting fees are recognized when the negotiated services are provided. | 45 | 10K |
2294 | 870 | During 2003, claim reserve balances at December 31, 2002 ultimately settled for $76.1 million less than the amounts originally estimated, representing 0.8% of medical claim expenses incurred in 2002. This $88.4 million decline in the amounts incurred related to prior years consists of $68.3 million attributable to our TRICARE operations with the remaining $20.1 million primarily resulting from fourth quarter 2002 utilization in our commercial medical products ultimately being lower than originally estimated. The $68.3 million increase in TRICARE incurred related to prior years resulted from establishing the reserves resulting from the enhanced benefits for TRICARE beneficiaries as discussed above as well as lower than originally estimated utilization of medical services by TRICARE beneficiaries in the second half of 2002. | 120 | 10K |
2372 | 1,749 | Fluctuations in interest rates affect the Company’s return on, and the fair value of, general account fixed maturity investments, which comprised approximately 74% and 91% of the fair value of its invested assets as of December 31, 2004 and 2003, respectively. Other events beyond the Company’s control could also adversely impact the fair value of these investments. Specifically, a downgrade of an issuer’s credit rating or default of payment by an issuer could reduce the Company’s investment return. | 78 | 10K |
1776 | 198 | Income tax expense was $907,357 in 2001, $1,248,437 in 2000 and $1,204,164 in 1999, representing effective tax rates of 34.7%, 35.9% and 28.6%, respectively. The fluctuation in the effective tax rate reflects a one-time charge related to an IRS examination completed in 2000. | 43 | 10K |
SwissReAG-AR_2003 | 105 | External direct costs of materials and services incurred to develop or obtain internal use software, payroll and payroll-related costs for employees who are directly associated with software development and interest cost incurred while developing internal use software are capitalised and amortised on a straight-line basis over a period of three years through the income statement. | 55 | annual_report |
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