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5820 | 824 | Interest credited to policyholder funds represents interest accrued or paid on interest-sensitive life policies and investment policies. These amounts are reported in insurance benefits, claims and reserves on the Consolidated Statements of Income. Credit rates for certain annuities and interest-sensitive life policies... | 59 | 10K |
de_allianz-AR_2011 | 83 | During the meeting on september 15, 2011 the Board of Management reported in detail on the business performance and financial condition of the Allianz group and the development of its individual segments. As in the previous year, we paid special attention to the strategy of the Allianz group. the supervisory Board welc... | 149 | annual_report |
5794 | 1,199 | The U.S. Reinsurance operation writes property and casualty reinsurance and specialty lines of business, including Marine, Aviation, Surety and Accident and Health (“A&H”) business, on both a treaty and facultative basis, through reinsurance brokers, as well as directly with ceding companies primarily within the U.S. T... | 135 | 10K |
RaiffeisenBankInternationalAG-AR_2017 | 2,767 | The Group Operational Risk Management & Control Committee comprises representatives of the business areas (retail, market and corporate customers) and representatives from Compliance (including financial crime), Internal Control System, Operations, Security and Risk Controlling, under chairmanship of the CRO. This comm... | 81 | annual_report |
1077 | 120 | Net Premiums. Net premium revenue was $27.9 million from contracts executed during the initial nine-month operating period ending December 31, 1998. All of such premium revenue was derived from traditional ordinary life reinsurance covering existing blocks of in force business, developed directly by the Company and thr... | 51 | 10K |
AegonNV-AR_2006 | 3,016 | Amortization of deferred expenses, VOBA and future servicing rights 999 199 276 83 – 1,557 | 15 | annual_report |
544 | 153 | Selected Financial Data Selected financial data for the past five years appears on page 29 in the Annual Report to the Stockholders for the year ended December 31, 1996, and is incorporated herein by reference. | 35 | 10K |
AegonNV-AR_2016 | 3,653 | Monoline insurers About EUR 413 million (2015: EUR 473 million) of the bonds in Aegon USA’s and Asia’s portfolios are insured by Monoline insurers. | 24 | annual_report |
5785 | 867 | The Company records intangible assets acquired in business combinations and certain costs incurred developing and customizing internal-use software within Other Assets on the Consolidated Balance Sheets. Definite life intangible assets are amortized over the estimated profit emergence period or estimated useful life of... | 79 | 10K |
5766 | 1,376 | The Company invests in U.S. corporate bonds, foreign corporate bonds, and Structured Securities, issued by VIEs. The Company is not obligated to provide any financial or other support to these VIEs, other than the original investment. The Company’s involvement with these entities is limited to that of a passive investo... | 175 | 10K |
BaloiseHoldingLtd-AR_2015 | 619 | → www.baloise.com/rules-regulations Committees of the Board of Directors The Board of Directors has four committees, which support it in its activities� These committees report to the Board of Directors and submit the necessary proposals for their particular areas of responsibility� | 40 | annual_report |
SwissReAG-AR_2016 | 5,009 | Disclosure on management approach: We address human rights aspects relevant to our business through our Sustainability Risk Framework, our supply chain management and employee relations policies. The corresponding management approaches are disclosed in the chapters “Extending our risk intelligence”, “Reducing our envir... | 48 | annual_report |
Sampoplc-AR_2006 | 3,569 | Another goal for 2006 was to improve customer satisfaction and at the same time attain very strong insurance results. Our efforts with regard to customer satisfaction permeated the entire company, and comprised all customer communications, new concepts for claims prevention and extremely prompt claims assessment – half... | 168 | annual_report |
5880 | 659 | As of December 31, 2020, we had $229.7 million in cash, cash equivalents and short-term investments. Most of the assets in our insurance subsidiary, American Pet Insurance Company (APIC), and our segregated cell business, Wyndham Insurance Company (SAC) Limited (WICL) Segregated Account AX, are subject to certain capit... | 122 | 10K |
NatixisSA-AR_2013 | 2,337 | It consists of: V analysis by the bank of all of its risks, including those already covered by Pillar I; V calculation by the bank of the amount of economic capital it needs to cover these risks; V comparison by the banking supervisor of its own analysis of the bank’s risk profile with the analysis conducted by the ban... | 83 | annual_report |
StandardLifeAberdeenPLC-AR_2016 | 2,628 | Investments in associates and joint ventures 18 5,425 - - 2 5,427 | 12 | annual_report |
3496 | 379 | In 2006, insurance agencies and accounts purchased in 2006 and 2005 accounted for $25.1 million of additional core commissions & fees in the Domestic Retail segment. The core commissions and fees impact from 2006 and 2005 dispositions in Domestic Retail was $9.2 million for 2006. Excluding the effect of acquisitions an... | 191 | 10K |
BaloiseHoldingLtd-AR_2013 | 474 | RISK PROCESSES Group-wide risk management standards place the risk process on a mandatory footing� These rules stipulate methods, rules and limits that must be applied throughout the Baloise Group� These standards determine how the various risk issues are evaluated, managed and reported� A number of risk limits act as ... | 56 | annual_report |
5321 | 2,928 | The ultimate form and timing of the Separation will be influenced by a number of factors, including regulatory considerations and economic conditions. MetLife continues to evaluate and pursue structural alternatives for the proposed Separation. The Separation remains subject to certain conditions, including among other... | 92 | 10K |
StandardLifeAberdeenPLC-AR_2012 | 356 | The growth of AuM in equities has been offset by continued losses in fixed income and solutions such that equities now account for over 50% of the Group's AuM. Whilst the strong demand is clearly an endorsement of the integrity of the franchise built over the years, we are not prepared to compromise the quality of the ... | 115 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_1999 | 563 | The normal market risks are important for the insurers and reinsurers in the Group, of course, such as the appearance of new competitors or the launching of new products. But of special significance are the underwriting risks, the risks in the investment sector and the currency risk. | 47 | annual_report |
ch_zurich_insurance_group-AR_2019 | 1,582 | In addition to any shares acquired in the market, the numbers also include vested shares, whether sales-restricted or not, received under the LTIP. The table does not however, include the share interests of the members of the ExCo that are currently unvested target shares or unvested restricted shares. All interests in... | 61 | annual_report |
ch_zurich_insurance_group-AR_2013 | 2,320 | The decrease in the notional amount between December 31, 2012 and December 31, 2013 was mainly due to reductions in interest rate swaps to hedge a closed book of variable annuities products within the U.S. life business and a decrease in swaptions, to protect European life insurance books against falling interest rates... | 52 | annual_report |
SwissReAG-AR_2012 | 3,417 | Other changes are focused principally on banking institutions, but some could have direct applicability to insurance or reinsurance operations and others could have a general impact on the regulatory landscape for financial institutions, which might indirectly impact capital requirements and/or req... | 185 | annual_report |
2556 | 874 | The Company monitors the financial strength of its reinsurers including their claims paying ability rating and does not currently anticipate any collection problems. Generally, reinsurance recoverables on primary loss reserves and prepaid reinsurance premiums are backed by trust funds or letters of credit. No reinsurer... | 55 | 10K |
DirectLineInsuranceGroupPLC-AR_2015 | 2,716 | Year end balances arising from sales and purchases of products and services to and from related parties Amounts owed by related parties Amounts owed to related parties £m £m 2014 £m | 31 | annual_report |
2169 | 1,134 | The agency valuation is sensitive to future growth in sales of insurance policies, the persistency of the renewal commission stream and expense saving initiatives that we have implemented. We utilized a 15% discount rate in the goodwill analysis. We assume that our agencies are capable of future growth from both the sa... | 63 | 10K |
gb_prudential-AR_2016 | 4,547 | (iii) UK insurance operations From 1 January 2016, UK insurance operations are subject to Solvency II capital requirements on an individual basis. The UK solvency capital requirement has been met during 2016. | 32 | annual_report |
2721 | 998 | In addition, we committed to invest $5.0 million in the aggregate, in two commercial mortgage loan trusts in 2005. These investments are classified as mortgage loans as they represent investments where return is based solely on the mortgage loans and there are no other assets of the trusts. At December 31, 2005, we had... | 67 | 10K |
ch_zurich_insurance_group-AR_2016 | 1,953 | Significant controls are assessed for their design and operating effectiveness. Significant control issues or issues affecting more than one business unit may be categorized as having Group-level significance. The Risk and Investment Committee of the Board and the Audit Committee of the Board monitor resolution of such... | 48 | annual_report |
NatwestGroupPLC-AR_2005 | 831 | As a consequence, we planned to refocus our strategy to grow our sales of deposit and bancassurance products faster than the market, to exploit our potential for building profitable market share in the mortgage market and to concentrate more on the development of our branch franchise, building on our strong service pro... | 68 | annual_report |
4544 | 6,665 | The Company's broker-dealer and investment advisor subsidiary is involved in a business that involves a substantial risk of liability. Legal and other proceedings involving financial services firms, including the Company's subsidiary, continue to have a significant impact on the industry. Significant matters over the l... | 66 | 10K |
4597 | 571 | As of December 31, 2012, we were in compliance with both the debt coverage ratio and the subordination ratio as required under our related financing agreements for Renewable Secured Debentures and Series I subsidiary secured notes. | 36 | 10K |
5028 | 1,384 | Specialty Industries-Year ended December 31, 2013 versus year ended December 31, 2012 | 12 | 10K |
gb_prudential-AR_2006 | 4,281 | (iv) Other UK life assurance subsidiaries and funds The increase in available capital in 2006 from changes in regulatory requirements of £80 million is primarily due to regulatory changes for UK regulated shareholder-backed non-participating business from the FSA’s policy statement PS06/14 confirmed in December 2006. T... | 64 | annual_report |
5570 | 870 | The Company expenses advertising costs as they are incurred. Advertising expense for the years ended December 31, 2018 and 2017 was $521 thousand and $270 thousand. | 26 | 10K |
3648 | 2,058 | Since mid-September 2008, the global financial markets have experienced unprecedented disruption, adversely affecting the business environment in general, as well as financial services companies in particular. The U.S. Government, as well as governments in many foreign markets in which the Company operates, have respon... | 76 | 10K |
gb_prudential-AR_2016 | 441 | We continue to focus on meeting these customers’ needs through: — Extending our product range and servicing capability to help customers take full advantage of the flexibility introduced to the retirement saving marketplace through pension freedoms; — Extending availability of our investment and retirement solutions by... | 92 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2005 | 1,242 | – Owing to the deconsolidation of the Karlsruher Insurance Group, retained earnings decreased by €76m and the other reserves fell by €34m. We realised gains by exchanging our hvb stake (which we valued at equity for the last time in the quarterly financial statements as at 30 September 2005) into UniCredit shares. This... | 68 | annual_report |
HannoverRueckSE-AR_2011 | 844 | Although the market for longevity swaps is still in its infancy in many countries, we have already received enquiries from clients in Germany, Norway and Denmark as well as Latin | 30 | annual_report |
5549 | 1,131 | We have a $200 million non-recourse construction loan to fund the expansion of our corporate headquarters. The loan bears interest based on the one month LIBOR plus 2.70% and matures in April 2021 with an optional one-year extension. The agreement contains financial and non-financial covenants aligning with our revolvi... | 78 | 10K |
fr_axa-AR_2016 | 1,026 | (a) EMEA-LATAM Region includes Portugal, Greece, Turkey, Morocco, Mexico, Colombia, Poland, Czech Republic, Slovak Republic and Luxembourg. | 17 | annual_report |
SwissLifeHoldingAG-AR_2020 | 2,792 | Deposits released for payments on death, surrender and other terminations during the year –261 –233 | 15 | annual_report |
5165 | 616 | Ceded premium and ceded losses and loss adjustment expenses are as follows: | 12 | 10K |
NatwestGroupPLC-AR_2005 | 1,951 | All convertible preference shares have a dilutive effect in the current year and as such have been included in the computation of diluted earnings per share. In 2004, $1,500 million of convertible preference shares was not included in the computation of diluted earnings per share as their effect was anti-dilutive. | 50 | annual_report |
RSAInsuranceGroupPLC-AR_2010 | 798 | Every country is required to confirm quarterly that they comply with our CR, environment, charity and human rights policies. Compliance with the policy framework is reviewed by the Group Executive Committee and | 32 | annual_report |
5659 | 827 | We use the paid loss development method (chain-ladder method) to estimate reserves for veterinary invoices for our subscription and for the majority of our other business segment. Paid loss development factors are estimated based on historical paid loss triangles. The reserve represents our estimate of the future amoun... | 151 | 10K |
NatwestGroupPLC-AR_2006 | 1,806 | – Other services pursuant to legislation (1) 5.9 3.3 – Other services relating to taxation 0.2 0.2 – Services relating to corporate finance transactions, including securitisations, entered into by the Group 2.4 4.9 – All other services (2) 2.6 6.0 | 40 | annual_report |
TrygAS-AR_2019 | 455 | The Supervisory Board decided to arrange a Board education day on relevant matters. | 13 | annual_report |
4265 | 5,018 | As of December 31, 2010 and 2009, $223 million and $224 million of our unrecognized tax benefits presented below, if recognized, would have impacted our income tax expense and our effective tax rate. We anticipate a change to our unrecognized tax benefits during 2011 in the range of zero to $134 million. A reconciliati... | 64 | 10K |
ScorSE-AR_2010 | 543 | the "new" SCOR, one of the 5 largest multi-line reinsurance companies, on the basis of two business engines: Life and Non-Life. For more information on this acquisition, see Sections 5.2.1.1 – Public offer upon the Converium shares. | 37 | annual_report |
SwissReAG-AR_2010 | 716 | The accident combined ratio increased modestly to 114.2% in 2010 from 113.6% in 2009. | 14 | annual_report |
5417 | 636 | Combined ratios of 99.9% and 108.5% for the active underwriting operations within our Atrium and StarStone segments, respectively. Excluding the impact of hurricanes Harvey, Irma and Maria during 2017, the combined ratios were 86.7% and 96.7% for Atrium and StarStone, respectively (refer to "Underwriting Ratios" above) | 46 | 10K |
5828 | 481 | For equity method investments, the carrying value of these investments is written down or impaired to fair value when a decline in value is considered to be other-than-temporary. For additional information regarding our OTTI policies, see Note 2 to the Consolidated Financial Statements. | 43 | 10K |
5866 | 3,100 | 2019, plaintiffs filed a memorandum in opposition to our motion to dismiss, which we replied to on June 14, 2019. On August 7, 2019, plaintiffs filed a motion seeking to prevent proceeds that GFIH expected to receive from the then planned sale of its shares in Genworth Canada from being transferred out of GFIH. On Sept... | 102 | 10K |
BeazleyPLC-AR_2015 | 2,078 | Life, accident & health Most underwriting years have remained stable or have improved, with the exception of to 2014 which strengthened marginally following worse than anticipated experience on personal accident and income protection books. | 34 | annual_report |
fr_axa-AR_2003 | 1,359 | Management entered into an asset management joint venture agreement. The activities of National Mutual Funds Management that were not part of the joint venture agreement are closely aligned to those reported in the Australia / New Zealand life operations of the Life & Savings Segment, and hence reclassification to this... | 80 | annual_report |
fr_axa-AR_2013 | 7,811 | Michel Laforce – Xavier Crépon Philippe Castagnac – Gilles Magnan *This document is the English translation of the original legal statutory audit report which is, by law, prepared in French. | 30 | annual_report |
4500 | 3,472 | first relates to those VIEs that have the characteristics of an investment company and for which certain other conditions are true. These conditions are that (1) the Company does not have the implicit or explicit obligation to fund losses of the VIE and (2) the VIE is not a securitization entity, asset-backed financing... | 105 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2009 | 1,408 | in general, our insurance and reinsurance business continuously generates significant liquidity, as premium income is usually received some time before claims and other benefits are paid to our clients. | 29 | annual_report |
NatixisSA-AR_2007 | 2,990 | As of the last quarter of 2007, Collection, transportation and treatment of by an approved | 15 | annual_report |
2573 | 1,306 | Muhl vs. Vesta is a case in the Supreme Court of the State of New York, County of New York, brought by the Liquidator of Midland Insurance Company (“Midland”), claiming recoveries under two alleged retrocession agreements (Pool I and Pool III) between Midland and Interstate Fire Insurance Company, Vesta’s predecessor i... | 161 | 10K |
HannoverRueckSE-AR_2009 | 332 | We quite deliberately did not seek to extend our market share in 2009, since we still do not consider business to be sufficiently attractive in certain segments. We nevertheless continue to form part of the small group of reinsurers that are preferentially approached for placement and pricing on account of their rating... | 55 | annual_report |
INGGroepNV-AR_2014 | 3,250 | Net result from disposal of discontinued operations (1) –1,572 17 752 | 11 | annual_report |
3603 | 332 | The table above includes 10 securities with a fair value totaling $48.6 million and an unrealized loss of $1.8 million that have not yet received an NAIC rating, for which we have assigned a comparable internal rating. Due to lags between the funding of an investment, execution of final legal documents, filing with the... | 79 | 10K |
5170 | 1,210 | On February 7, 2013, we completed the acquisition of SeaBright Holdings Inc. ("SeaBright"). SeaBright owns SeaBright Insurance Company, an Illinois-domiciled insurer that is commercially domiciled in California, which wrote direct workers’ compensation business. The aggregate cash purchase price paid by us for all equi... | 71 | 10K |
3407 | 789 | We enter into obligations to third parties in the ordinary course of our operations. These obligations, as of December 31, 2007, are set forth in the table below. However, we do not believe that our cash flow requirements | 38 | 10K |
4334 | 1,946 | Total investment income is generated as a result of the ongoing management of the Company’s investment portfolios. For the year ended December 31, 2011, total investment income increased compared to the same period of 2010 primarily due to an increase in total net realized gains, partially offset by decreases in net in... | 89 | 10K |
LloydsBankingGroupPLC-AR_2013 | 6,707 | – Credit derivatives which are valued using standard models with observable inputs, except for the items classified as level 3, which are valued using publicly available yield and credit default swap (CDS) curves. | 33 | annual_report |
AdmiralGroupPLC-AR_2019 | 3,039 | International Insurance £m Comparison £m Other £m Eliminations*2 £m Total £m | 11 | annual_report |
LloydsBankingGroupPLC-AR_2013 | 524 | 2013 highlights Returned to profitability with underlying profit of £1,575 million driven by reduction in impairments, increased core income, partially offset by lower non-core income from our capital accretive asset reduction strategy. | 32 | annual_report |
gb_prudential-AR_2015 | 1,248 | We have strategies in place to reduce energy, waste generated, water consumption and paper use. In the past year, Prudential sourced 27 per cent of electricity from renewable or non-fossil fuel sources. | 32 | annual_report |
5952 | 675 | Other operating expenses in 2020 also include a $6.2 million increase in estimates of expected credit losses on commercial mortgage loans, reinsurance recoverables and premium balances receivable at our reinsurance and insurance segments. This increase was based on current conditions and reasonable and supportable fore... | 97 | 10K |
HannoverRueckSE-AR_2000 | 362 | Certain premium components in life and health reinsurance (e.g. savings elements under unit-linked life insurance policies) are not reported as premium under US GAAP. In order to reflect our business development as realistically as possible, the premium income shown below always includes such "premium deposits". Define... | 105 | annual_report |
3087 | 798 | We are required to group assets in our investment portfolio into one of three categories: held to maturity, available for sale or trading securities. Fixed-maturity securities for which we have the positive intent and ability to hold to maturity are classified as held to maturity and reported at amortized cost. Investm... | 119 | 10K |
TopdanmarkAS-AR_2014 | 257 | On 1 January 2014 a new executive order on solvency took effect. This new order is based on all Danish insurance companies using the same rules when calculating their solvency, while the method was optional up to and including 2013. The rules of the new executive order are close to the future Solvency II rules. | 55 | annual_report |
3815 | 2,632 | Net income decreased for the year ended December 31, 2008 as a result of the 2008 Unlock versus the 2007 Unlock along with increased realized capital losses from the adoption of SFAS 157, which resulted in a net realized capital loss of $34 during the first quarter of 2008, the impact of the 3 Win trigger, impairment c... | 152 | 10K |
4279 | 1,185 | In addition to limitations and restrictions imposed by U.S. insurance regulators, Japan’s FSA may not allow profit repatriations from Aflac Japan if the transfers would cause Aflac Japan to lack sufficient financial strength for the protection of policyholders. The FSA maintains its own solvency standard. As of Decembe... | 85 | 10K |
SwissReAG-AR_2020 | 3,749 | Retrocession to external parties –738 –1 412 –378 –451 –2 979 | 11 | annual_report |
NatwestGroupPLC-AR_2006 | 2,334 | Earned Claims Loss Earned Loss Earned Loss premiums incurred ratio premiums ratio premiums ratio | 14 | annual_report |
5860 | 903 | liabilities of the discontinued operations are only included in total assets, total liabilities and total stockholder’s equity. The selected consolidated financial data should be read together with “Management’s Discussion and Analysis of | 32 | 10K |
fr_axa-AR_2018 | 6,509 | The Group has signed several NGO partnerships: ■ C40: in October 2018 AXA partnered with C40 to produce a public report on how cities’ understanding of infrastructure interdependencies informs their climate adaptation planning. The aim of the report is to help cities better manage climate risk; ■ UN Habitat: our 2016-2... | 193 | annual_report |
NatixisSA-AR_2005 | 2,467 | At December 31, 2005, the fair value of held-to-maturity financial assets, calculated in accordance with the methods set out in note V, amounted to €7,930 million. | 26 | annual_report |
318 | 191 | The Company's net income was $371,000 for the year ended December 31, 1995, versus $894,000 in 1994. Net income per share was $0.11 for 1995 versus $0.26 in 1994. Income before preferred securities accretion, discontinued operation, and extraordinary loss was $11,701,000 for 1995 versus $3,599,000 in 1994, due principa... | 130 | 10K |
NatixisSA-AR_2014 | 3,907 | The Payments business enjoyed robust momentum in 2014, particularly in Electronic Banking. The number of cards manufactured and clearing transactions rose by 10% and 4%, respectively. The Transactions and Checks business was more contrasted, with national check processing down 17% and mass transactions remaining stable... | 45 | annual_report |
gb_prudential-AR_2016 | 1,961 | 7 Tony Wilkey’s benefits include costs of £260,917 for housing and a £413,663 Executive Director Location Allowance. The LTIP releases relate to his previous role, prior to his service as an Executive Director. | 33 | annual_report |
HiscoxLtd-AR_2009 | 1,300 | Other principal actuarial assumptions are as follows: Discount rate 5.70 6.70 Expected return on scheme assets 6.50 6.90 Inflation assumption 3.90 3.00 Pension increases 3.90 3.00 | 26 | annual_report |
AssicurazioniGeneraliSpA-AR_2018 | 2,460 | With regard to Art. 18 of the Procedures on transactions with related parties approved by the Board of Directors in 2018, it should be noted that, beyond the aforementioned operations (i), no transactions of major significance have been completed in the period of reference (ii) no Transactions with related parties that... | 100 | annual_report |
NatixisSA-AR_2002 | 2,930 | personnel versus 829 in 2001 70 capital markets personnel incorporated from CNCEP | 12 | annual_report |
fr_axa-AR_2002 | 3,451 | a) French subsidiaries (total) 78 b) Foreign subsidiaries (total) 301 2) Participating interest not set out in paragraph A | 19 | annual_report |
NatwestGroupPLC-AR_2010 | 2,092 | The table below details residential mortgages which are three months or more in arrears (by volume). 2010 2009 2008 | 19 | annual_report |
SwissLifeHoldingAG-AR_2010 | 2,376 | The following table summarises the carrying amounts and fair values of those financial assets and liabilities not presented in the Group’s balance sheet at fair value: In CHF million Carrying amount Fair value | 33 | annual_report |
SwissReAG-AR_2017 | 1,596 | Professional experience C. Robert Henrikson was Chairman and Chief Executive Officer of MetLife, Inc. from 2006 to 2011. Before, he held senior positions in MetLife’s individual, group and pension businesses and became Chief Operating Officer of the company in 2004. C. Robert Henrikson is a former Chairman of the Ameri... | 77 | annual_report |
3860 | 2,826 | The amortized cost and estimated market value of debt securities at December 31, 2008, by contractual maturity, is shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. | 45 | 10K |
5056 | 2,100 | The 2015 net expense reduction was due primarily to the impact of changes in assumptions to reflect higher than previously projected net interest spreads as well as the impact of higher assets under management and expense discipline. Reinvestment rates used to project future investment yields are based primarily on 7-y... | 90 | 10K |
StandardLifeAberdeenPLC-AR_2013 | 1,310 | Bonus awards–deferred shares These awards are the deferred share elements of the 2009, 2010 and 2011 bonus awards. The value of the bonus deferred into share awards is reported within the annual bonus figures shown in the Directors’ remuneration for the year for which the bonus is payable. | 48 | annual_report |
2526 | 1,161 | o The inflow of new cash for the twelve-month period ending December 31, 2003 was invested at rates that were below the portfolio rate. In addition, maturing assets were rolling over into new investments at rates less favorable than those available in 2002. These two factors account for the majority of the remaining de... | 57 | 10K |
3379 | 1,266 | The recognition of unpaid losses and loss expenses recoverable requires two key judgments. The first judgment involves the Company’s estimation of the amount of gross IBNR to be ceded to reinsurers. Ceded IBNR is generally developed as part of the Company’s loss reserving process and consequently, its estimation is sub... | 167 | 10K |
2175 | 887 | The expense ratio increased to 38.6% for 2002 from 10.6% for 2001. The expense ratio contains the $44.0 million reserve for uncollectible reinsurance, which caused the expense ratio to increase by 27.0 percentage points. | 34 | 10K |
INGGroepNV-AR_2010 | 3,417 | Main developments in 2010 • Cybercrime – Based on a High-Tech Crime Prevention assessment a number of potential risks has been identified. Secure Code Review was found as an area of concern and during 2010 a dedicated taskforce has taken action across ING Group. After remediation of the identified gaps, dynamic code sc... | 65 | annual_report |
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