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4504 | 1,617 | Income tax expense (benefit). Corporate income tax expense or benefit is generated through our foreign operations outside of Bermuda, principally in the United States, Europe and Latin America. The effective tax rate was negative 17.0% for the year ended December 31, 2011 compared with 1.4% in the year ended December 31, 2010 and 3.9% in the year ended December 31, 2009. Our effective income tax rate, which we calculate as income tax expense or benefit divided by net income or loss before taxes, may fluctuate significantly from period to period depending on the geographic distribution of pre-tax net income or loss in any given period between different jurisdictions with different tax rates. The geographic distribution of pre-tax net income or loss can vary significantly between periods principally due to the mix of business written and earned during the period, the geographic location of investment income and realized and unrealized investment gains and losses and the geographic location of net losses and loss expenses incurred. | 164 | 10K |
2134 | 3,426 | basis with varying deductibles for which the Company maintains reserves. The Company maintains general | 14 | 10K |
936 | 498 | Investment Income. The following table displays the components of TIG's investment income and mean after-tax investment yields. The yields include interest earned and dividends received and exclude realized investment gains and losses. These yields are computed using the average of the month-end asset balances during the period. | 47 | 10K |
4854 | 1,549 | The following discussion and analysis presents a review of our financial condition as of December 31, 2013 and our results of operations for the years ended December 31, 2013, 2012 and 2011. As used in this report, except as otherwise indicated, references to the "Company," "Universal American," "we," "our," and "us" are to Universal American Corp., a Delaware corporation and its subsidiaries. | 62 | 10K |
4741 | 1,333 | In the 2012 actuarial review, the Company’s unpaid losses and LAE as of March 31, 2012 were at the high end of the range of reasonable estimates provided by the independent actuarial firm, mainly due to two factors: (1) the shorter loss development patterns used by the independent actuarial firm and (2) faster recognition of favorable reported loss experience by the independent actuarial firm in the selection of ultimate loss ratios. We incorporated these factors in developing alternative indications of ultimate losses, which, together with the favorable variance in reported losses, led to significant favorable development of our loss reserves for prior years. | 103 | 10K |
2570 | 737 | Underwriting loss ....... (3,621,656) (2,026,309) - (5,647,965) Net investment income ... 23,517,163 9,147,127 113,843 32,778,133 Realized gains (losses) (2,154,246) (1,010,268) 5,313 (3,159,201) Interest expense ........ (1,345,153) (293,563) - (1,638,716) Other income ............ 865,819 - - 865,819 Other expenses .......... (869,346) - (436,688) (1,306,034) ------------ ------------ ------------ ------------ Income (loss) before income tax expense (benefit) ........... $ 16,392,581 $ 5,816,987 $ (317,532)$ 21,892,036 ============ ============ ============ ============ | 66 | 10K |
4865 | 906 | The use of this process by the SVO may result in certain non-agency RMBS and CMBS being assigned a NAIC designation that is higher than the equivalent NRSRO rating. The NAIC designations for non-agency RMBS and CMBS are based on security level expected losses as modeled by an independent third party (engaged by the NAIC) and the statutory carrying value of the security, including any purchase discounts or impairment charges previously recognized. Evaluation of non-agency RMBS and CMBS held by insurers using the revised NAIC rating methodologies is performed on an annual basis. | 93 | 10K |
4756 | 3,241 | Investment contracts. Based on expected future cash flows, discounted at current market rates for annuity contracts or institutional products. Given the significant unobservable inputs associated with policyholder behavior and current market rate assumptions used to discount the expected future cash flows, we classify these | 44 | 10K |
NNGroupNV-AR_2016 | 240 | As an investor and advisor on responsible investment solutions, we believe a values-driven culture is an indispensable component of a company’s Environmental, Social and Governance (ESG) profile. And even more importantly, it makes good business sense. With its Mindscope publication on corporate culture, NN Investment Partners demonstrates how strong corporate culture can contribute to better company performance. It outlines important market developments and highlights good practices from companies that have corporate culture high on their agenda. The study provides guidance for investors, board directors and other players in the market to stimulate and help shape a healthy corporate culture. | 99 | annual_report |
NatwestGroupPLC-AR_2014 | 5,777 | • As noted above, statistically RBS would expect to see back-testing exceptions 1% of the time over a one-year period. At RBS plc level, there was one exception during 2014, confirming that the model was satisfactory. | 36 | annual_report |
NatwestGroupPLC-AR_2016 | 2,323 | Details of the principal subsidiary undertakings of the company are shown in Note 7 on pages 396 and 397. A full list of subsidiary undertakings of the company is shown in Note 15 on | 34 | annual_report |
4331 | 1,312 | As part of the original transaction, Aon was required to purchase from PEPS I additional below investment grade securities equal to the unfunded limited partnership commitments as they were requested. As of December 31, 2010, Aon is no longer required to purchase additional securities as a result of the repayment of the $47 million in long-term debt. However, Aon will continue to fund any unfunded equity commitments with specific expiration dates. Also, the general partners may decide not to draw on these commitments. Aon funded $1 million of commitments in 2010, did not fund any commitments in 2009, and funded $2 million of commitments in 2008. As of December 31, 2010, the unfunded commitments decreased to $13 million due to the expiration of some of the commitment periods. | 128 | 10K |
3288 | 954 | Actual experience may vary from our estimates due to emerging trends in morbidity, mortality, persistency, and asset yields - and some of these trends can fluctuate significantly over time. As we realize the actual experience, we take into account the financial impacts of these variations from our original assumptions. When current estimates of the present value of future benefits and expenses exceed the present value of future premiums for a product line, we recognize all excess amounts as a loss. | 80 | 10K |
AegonNV-AR_2015 | 4,558 | ‘plan assets’ as defined by IFRS), deciding questions related to eligibility and benefit amounts, and any disputes that may arise from plan participants and for complying with the plan provisions, and legal requirements related to the plan and its operation. Aegon the Netherlands runs, in principle, full actuarial and investment risk regarding the defined benefit plans. A part of this risk can be attributed to plan participants by lowering indexation or by increasing employee contributions. | 75 | annual_report |
AvivaPLC-AR_2004 | 2,058 | 3. Lapse experience has been adverse in a number of businesses including on certain savings contracts in the UK. | 19 | annual_report |
3801 | 705 | Income taxes paid in 2008, 2007 and 2006 were $79,339,000, $114,380,000 and $102,761,000, respectively. | 14 | 10K |
GjensidigeForsikringASA-AR_2020 | 1,778 | • Return on equity after tax > 20 per cent • Corresponding to > 16 per cent excluding run-off gains | 20 | annual_report |
AssicurazioniGeneraliSpA-AR_2015 | 3,702 | Expert & Finance S.A. 029 EUR 3,258,310 G 11 96.79 Generali Vie S.A. 96.79 95.75 | 15 | annual_report |
4964 | 998 | To the Board of Directors and Shareholders of Safety Insurance Group, Inc.: | 12 | 10K |
AegonNV-AR_2013 | 1,726 | Liquidity management Strategic importance Liquidity management is a fundamental building block of Aegon’s overall financial planning and capital allocation processes. Aegon aims to have sufficient liquidity to meet cash demands even under extreme conditions. The company’s liquidity risk policy sets guidelines for its operating companies and the holding in order achieve a prudent liquidity profile. | 55 | annual_report |
Sampoplc-AR_2017 | 1,999 | Parties independent of business activities are responsible for the risk management governance framework, risk policies, risk limits and authorizations which form the structure that sets the limits for business and investment units’ risk taking as well as principles for risk monitoring. These structures are one prerequisite for the risk management process; they reflect capital adequacy targets and the risk appetite in general. | 62 | annual_report |
RaiffeisenBankInternationalAG-AR_2012 | 175 | Capital market communications In 2012, RBI participated in a total of 38 roadshows in Brussels, Copenhagen, Dusseldorf, Frankfurt, Helsinki, Hong Kong, London, Milan, Munich, New York, Paris, Prague, Singapore, Stockholm and Tallinn. These events, which were sometimes held more than once in one location, were opportunities for RBI to personally update a wide range of interested investors and analysts about RBI and its current performance as well as to answer their questions. An investors’ lunch and an analysts’ conference were held in Vienna. In addition, RBI was represented at investor conferences in the Austrian towns of Stegersbach and Zürs. | 99 | annual_report |
RaiffeisenBankInternationalAG-AR_2020 | 4,340 | 2020 Modelled ECL Post-model adjustments Total in € thousand COVID-19 related Other Total 2019 Modelled ECL Post-model adjustments Total in € thousand COVID-19 related Other Total | 26 | annual_report |
HannoverRueckSE-AR_2010 | 2,595 | Fixed-income securities – available-for-sale 8,444,249 2,542,309 3,441,409 1,092,359 133,890 59,984 10,643 152,791 15,877,634 | 13 | annual_report |
3087 | 1,384 | Upon completion of the merger, certain of our financial guaranty reinsurance customers will have the right to recapture financial guaranty reinsurance business previously assumed by us. At December 31, 2006, we have assumed an aggregate of approximately $10.0 billion par in force and approximately $70.3 million of unearned | 48 | 10K |
ScorSE-AR_2018 | 4,728 | Other commitments on investment securities, assets or revenues 187 513 700 481 | 12 | annual_report |
HannoverRueckSE-AR_2019 | 613 | A key strategic objective of Hannover Re is long-term capital preservation. We issued hybrid capital as an equity substitute in order to keep the cost of capital on a low level. The policyholders ’ surplus is an important management ratio in the context of Hannover Re’s comprehensive capital management. The total policyholders’ surplus is defined as follows: • shareholders’ equity excluding non-controlling interests, composed of the common shares, additional paid-in capital, other comprehensive income and retained earnings, | 77 | annual_report |
1576 | 203 | We conducted our audits in accordance auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion. | 94 | 10K |
3638 | 1,931 | While each of Mont Fort and Haute Route are registered as Class 3 insurers in Bermuda the following disclosure focuses on Flagstone Suisse operating through its Bermuda branch as it is subject to the most onerous regulation and supervision. | 39 | 10K |
fr_axa-AR_2015 | 7,833 | (€7.6 million in 2014); ■ post-retirement benefi ts: the estimated cost to the Group of providing defi ned benefi t pensions and other post-retirement benefi ts to members of the Management Committee for the current year of service measured in accordance with IAS 19 amounted to 6.2 million (4.4 million in 2014). | 52 | annual_report |
AegonNV-AR_2017 | 220 | The Company also has operations elsewhere in Europe, as well as in Asia and Latin America. | 16 | annual_report |
4931 | 780 | Fair Value of Financial Instruments • The Company determines fair value for all financial assets and liabilities and non-financial assets and liabilities that are recognized or disclosed at fair value in the financial statements on a recurring basis. The Company defines fair value as the price that would be received from selling an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. When determining fair value, the Company considers the principal | 80 | 10K |
RSAInsuranceGroupPLC-AR_2013 | 1,561 | 10. No other Directors of the Company held long-term incentive scheme interests during 2013. | 14 | annual_report |
Sampoplc-AR_1999 | 467 | Dividend per share dividend for the accounting eriod adjusted number of shares at Dec. 31 | 15 | annual_report |
5230 | 945 | Discussion of losses and loss reserves and prior period loss development at December 31, 2016 | 15 | 10K |
5472 | 1,516 | The following tables present a roll forward of net expected loss to be paid for all contracts. The Company used risk-free rates for U.S. dollar denominated obligations that ranged from 0.0% to 2.78% with a weighted average of 2.38% as of December 31, 2017 and 0.0% to 3.23% with a weighted average of 2.73% as of December 31, 2016. Expected losses to be paid for transactions denominated in currencies other than the U.S. dollar represented approximately 3.7% and 2.8% of the total as of December 31, 2017 and December 31, 2016, respectively. | 92 | 10K |
453 | 290 | b. INSURANCE COMPANY OPERATIONS Premiums are earned on a pro-rata basis over the terms of the policies. Premiums applicable to the unexpired terms of policies in force are recorded as unearned premiums. The Company earns a commission on policies that are ceded to its reinsurers. This commission is considered earned on a pro-rata basis over the terms of the policies. Ceding commission applicable to the unexpired terms of policies in force are recorded as unearned ceding commission which is included in deferred policy acquisition costs. | 85 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2017 | 2,673 | Development and Finance, acting pursuant to § 20 Section 7 of the PZU Articles of Association, dismissed Jerzy | 18 | annual_report |
5834 | 2,488 | The volume and timing of title insurance claims are subject to cyclical influences from both the real estate and mortgage markets. Title policies issued to lenders constitute a large portion of the Company’s title insurance volume. These policies insure lenders against losses on mortgage loans due to title defects in the collateral property. Even if an underlying title defect exists that could result in a claim, often the lender must realize an actual loss, or at least be likely to realize an actual loss, for a title insurance liability to exist. As a result, title insurance claims exposure is sensitive to lenders’ losses on mortgage loans and is affected in turn by external factors that affect mortgage loan losses, particularly macroeconomic factors. | 122 | 10K |
NatixisSA-AR_2018 | 7,747 | Loans and receivables are non-derivative financial assets with fixed or determinable payments that are not quoted on an active market, other than those designated as at fair value through profit or loss or available-for-sale. This excludes assets for which the holder cannot recover the majority of the initial investment other than because of a credit deterioration, which should be classified as available-for-sale. | 62 | annual_report |
gb_prudential-AR_2015 | 4,127 | Total DAC for US operations 6,148 5,177 * Consequent upon the negative unrealised valuation movement in 2015 of £1,305 million (2014: positive unrealised valuation movement of £956 million), there is a gain of £337 million (2014: a charge of £87 million) for altered shadow DAC amortisation booked within other comprehensive income. These adjustments reflect movement from period to period, in the changes to the pattern of reported gross profits that would have occurred if the assets reflected in the statement of financial position had been sold, crystallising the unrealised gains and losses, and the proceeds reinvested at the yields currently available in the market. At 31 December 2015, the cumulative shadow DAC balance as shown in the table above was negative £268 million (2014: negative £584 million). | 127 | annual_report |
5754 | 437 | With respect to its traditional property and casualty insurance products, the Company maintains reserves for the payment of claims (indemnity losses) and expenses related to adjusting those claims (LAE). The Company’s liability for unpaid losses and LAE | 37 | 10K |
2306 | 754 | Pro-forma for the refinancing of the credit facilities which was completed in February, 2004, the schedule of contractual obligations appears as follows: | 22 | 10K |
ch_zurich_insurance_group-AR_2018 | 3,325 | Liabilities and shareholders’ equity in CHF thousands, as of December 31 Notes 2018 2017 | 14 | annual_report |
5422 | 2,857 | Life and annuity run-off business - On December 4, 2017, The Hartford announced it had entered into a definitive agreement to sell its life and annuity run-off businesses to a group of investors led by Cornell Capital LLC, Atlas Merchant Capital LLC, TRB Advisors LP, Global Atlantic Financial Group, Pine Brook and J. Safra Group. Up until the anticipated close of the sale, HLIC does not have any additional dividend capacity. Prior to the expected close in 2018, HSFG Holding company anticipates receiving $300 of dividends from HLIC through HLI, subject to approval by the Connecticut Insurance Commissioner. Other intercompany transactions with HLI will be net settled prior to closing. | 110 | 10K |
ScorSE-AR_2011 | 1,781 | In addition, the Chairman and Chief Executive Officer is entitled to the following benefits in kind: a health insurance policy under the terms of a contract dated 16 September 1988; an “all causes” death or permanent disability insurance policy for Company Executives, dated 30 June 1993. | 48 | annual_report |
41 | 423 | *At December 31, 1993, borrowings not guaranteed by AIG were $5,942,961. | 11 | 10K |
TopdanmarkAS-AR_2017 | 1,196 | Deferred tax assets 2 0 Liquid funds 2 3 TOTAL OTHER ASSETS 4 3 TOTAL ASSETS 5,779 7,114 | 18 | annual_report |
HelvetiaHoldingAG-AR_2013 | 2,347 | Finance report Risk management as of 31.12.2013 Exposure Share in % | 11 | annual_report |
4827 | 698 | Excess investment income is reduced by the required interest on net insurance policy liabilities, because we consider these amounts to be components of the profitability of our insurance segments. Required interest is based on the actuarial interest assumptions used in discounting the benefit reserve liability and the amortization of deferred acquisition costs for our insurance policies in force. The great majority of our life and health insurance policies are fixed interest-rate protection policies, not investment products, and are accounted for under current accounting guidance for long-duration insurance products (formerly SFAS 60, now incorporated into ASC 944-20-05). This guidance mandates that interest rate assumptions be “locked in” for the life of that block of business. Each calendar year, we set the assumed discount rate to be used to calculate the benefit reserve liability and the deferred acquisition cost asset for all insurance policies issued that year. That rate is based on the new money yields that we expect to earn on the premiums received in the future from policies of that issue year, and cannot be changed except in the event of a premium deficiency. The discount rate used for policies issued in the current year has no impact on the in force policies issued in prior years as the rates of all prior issue years are also locked in. As such, the overall discount rate for the entire in force block is a weighted average of the discount rates being used from all issue years. Changes in the overall weighted-average discount rate over time are caused by changes in the mix of the reserves and the deferred acquisition cost asset by issue year on the entire block of in force business. | 281 | 10K |
5525 | 775 | The Company utilizes a nationally recognized pricing service to estimate the majority of its investment portfolio’s fair value. The Company obtains one price per security. The Company’s processes and control procedures are designed to ensure the price is accurately recorded on an unadjusted basis. Through discussions with the pricing service, the Company obtains an understanding of the methodologies used to price the different types of securities, that the data and the valuation methods utilized are appropriate and consistently applied, and that the assumptions are reasonable and representative of fair value. To validate the reasonableness of the valuations obtained from the pricing service, the Company compares the valuations received to other fair value pricing from other independent pricing sources. At December 31, 2018 and 2017, the Company did not adjust any of the prices received from the pricing service. | 138 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2008 | 245 | The high degree of confidence in our Group’s financial strength is reflected in trading with credit default swaps (CDSs). These tools enable investors on the capital market to hedge against the risk of an issuer’s default. The lower the CDS spread, the higher the assessment of the issuer’s security. | 49 | annual_report |
AvivaPLC-AR_2016 | 1,978 | 7 TSR VEST ING SCHEDULE FOR THE 2016 LT IP AWARD | 11 | annual_report |
TrygAS-AR_2006 | 1,032 | The parent company’s investments in subsidiaries are recognised and measured under the equity method. | 14 | annual_report |
338 | 229 | The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and | 29 | 10K |
fr_axa-AR_2007 | 3,747 | — On May 22 , 2007, AXA acquired 75% of kyobo Auto for an amount of KRW 88 billion (€70 million). The company has a leading position in the South Korean direct Motor insurance market with annual revenues of KRW 476 billion (€374 million) in 2007 and a market share above 30%. As of the end of the year, the group’s ownership reached 90% following the buyback of minority interests. | 70 | annual_report |
SwissLifeHoldingAG-AR_2006 | 1,553 | Weighted average number of shares outstanding for diluted earnings per share 35 104 369 35 095 099 | 17 | annual_report |
3445 | 723 | The Company also owns six buildings in Hartford, Connecticut. The Company currently occupies approximately 1.8 million square feet of office space in these buildings. The Company also owns other real property, which includes office buildings in Denver, Colorado; Fall River, Massachusetts; and a data center located in Norcross, Georgia. In January 2007, the Company acquired a building and adjacent land in Windsor, Connecticut and in June 2007 sold an office building which it owned in Irving, Texas. The Company leases 197 field and claim offices totaling approximately 5.2 million square feet throughout the United States under leases or subleases with third parties. | 102 | 10K |
1690 | 289 | We own a California HMO that is incorporated under the laws of the state of California and is primarily regulated by the California Department of Managed Health Care. On May 25, 2001, the California Department of Managed Health Care issued an order appointing a conservator for the California HMO. Also on that date the California HMO filed for Chapter 11 bankruptcy protection. Effective June 5, 2001, the California HMO and the California Department of Managed Health Care reached an agreement allowing the California HMO’s bankruptcy filing to remain in effect with the California Department of Managed Health Care-appointed conservator relinquishing that position in order to act as Examiner of the Debtor (the “Examiner”). The agreement calls for any disputes between the California HMO and the Examiner to be resolved in Bankruptcy Court. All operations of the California HMO were terminated December 31, 2001. | 143 | 10K |
4089 | 949 | American Physicians and APSpecialty are insurance companies each domiciled in the State of Michigan, and are included in the accompanying Consolidated Financial Statements in accordance with GAAP. These entities are subject to regulation by the State of Michigan Office of Financial and Insurance Regulation and file financial statements using statutory accounting practices prescribed or permitted by the state insurance regulators. Prescribed statutory accounting practices include a variety of publications of the National Association of Insurance Commissioners (“NAIC”), as well as state laws, regulations and general administrative rules. Permitted statutory accounting practices encompass all accounting practices not so prescribed. Such practices vary in certain respects from GAAP. The principal variances are as follows: | 112 | 10K |
4021 | 634 | The unrealized losses for the equity securities was primarily due to wider spreads for preferred stocks issued by financial institutions following the disruption in credit markets since the time of their acquisition. Some of these financial institutions have exposure to sub-prime mortgages. | 42 | 10K |
fr_axa-AR_2000 | 2,733 | Life and Savings. At December 31, 2000, approximately 36% of the total net life insurance liabilities represented separate account (unit linked) contracts, whereby all investment risks and rewards are transferred to the policyholders. Amounts due to policyholders are based on the fair value of the investments supporting such products. | 49 | annual_report |
NatwestGroupPLC-AR_2016 | 2,856 | Ulster Bank RoI continued to make progress on its cost saving programme supported by process automation and an acceleration of digital adoption balanced with investments to support business growth in opportunities. | 31 | annual_report |
1868 | 1,261 | Participating business represented approximately 35%, 34% and 34% of the Company's life insurance in force and 76%, 79% and 78% of the number of life insurance policies in force at December 31, 2001, 2000 and 1999, respectively. Participating business represented approximately 57%, 61% and 63% of life insurance premiums for the years ended December 31, 2001, 2000 and 1999, respectively. | 60 | 10K |
2232 | 286 | Our order levels began to decline in the third quarter of 2003, largely as a result of an increase in interest rates. Increases in rates tend to reduce real estate activity, particularly refinancings. Rates declined slightly in the fourth quarter. Most industry experts project interest rates to continue at current levels or move slightly higher. Due to the large number of refinancings completed in 2003, significantly fewer refinancing transactions are being forecast for 2004. | 74 | 10K |
fr_axa-AR_2008 | 7,344 | 4) Resolve to waive the preferential subscription rights of ordinary shareholders to the preferred shares to be issued pursuant to this delegation of authority and to reserve the entire subscription rights of such preferred shares for AXA Assurances IARD Mutuelle and for AXA Assurances vie Mutuelle, each of which is allowed to subscribe preferred shares up to the limit provided for in paragraph 3 of this resolution, pursuant to Article L.225-138 of the French Commercial Code. | 76 | annual_report |
5073 | 670 | Based on our review of fixed maturity and equity securities, we believe that we appropriately identified the declines in the fair values of our unrealized losses for the years ended December 31, 2015, 2014, and 2013. We determined that the unrealized losses on fixed maturity securities were primarily the result of prevailing interest rates and not the credit quality of the issuers. The fixed maturity securities whose fair value was less than amortized cost were not determined to be other-than-temporarily impaired given the severity and duration of the impairment, the credit quality of the issuers, the Company’s intent to not sell the securities, and a determination that it is not more likely than not that the Company will be required to sell the securities until fair value recovers to above cost, or maturity. | 133 | 10K |
5086 | 809 | Consolidated Statements of Changes in Shareholder's Equity for the years ended December 31, 2015, 2014 and 2013 | 17 | 10K |
3891 | 616 | Fully-Insured-Membership contracts are written on an annual basis and are subject to cancellation by the employer group upon thirty days written notice. The Company amended its fully-insured dental HMO contracts and dental indemnity contracts to be non-cancelable by the Company effective May 1, 2008 and its fully-insured dental PPO contracts to be non-cancelable by the Company effective June 1, 2008. The Company’s unearned premium revenue was approximately $20,845,000 at December 31, 2008 for the estimated premium revenue associated with the remaining contract periods and related amounts recorded in unbilled accounts receivable. Premiums are due monthly in advance and are recognized evenly as revenue during the period in which the Company is obligated to provide services to members. Any amounts not received by the end of a reporting period are recorded as accounts receivable by the Company. Any premiums received prior to the beginning of a reporting period are recognized as premiums received in advance and are included in unearned premium revenue in the accompanying consolidated balance sheets. Premiums received in advance were approximately $761,000 and $666,000 at December 31, 2008 and December 31, 2007, respectively. Management has determined that as of December 31, 2008 and 2007 that no premium deficiency reserve is required. | 203 | 10K |
StandardLifeAberdeenPLC-AR_2018 | 129 | In support of the Taskforce for Climate-related Financial Disclosures (TCFD) recommendations, we’ve launched two Climate Change working groups. One group is focused on our investment approach across asset classes. The second group focuses on our operations such as our greenhouse gas emissions, reduction activities and TCFD implementation, and how we integrate these considerations into our risk processes. | 57 | annual_report |
3018 | 744 | Interest credited - to policyholders was $633.4 million and $637.5 million for the twelve-month periods ended December 31, 2006 and 2005, respectively. The decrease of $4.1 million was the result of a decrease in average policyholder balances of $9.2 million offset by a higher average interest credited rate of $5.1 million. | 51 | 10K |
NatixisSA-AR_2002 | 3,633 | Book Advances Provisions Total Previous Previous % value of year’s year’s shareshares equity profit holding €m capital | 17 | annual_report |
5700 | 3,827 | Changes in the interest rate environment can have a significant impact on investment returns, guaranteed income features, and spreads, and a moderate impact on sales and surrender rates. | 28 | 10K |
3866 | 1,153 | Providing limits no higher than $15 million with facultative or treaty reinsurance in place in 2009 for losses greater than $6 million. | 22 | 10K |
5136 | 671 | Other revenues in 2013 included a $91 million gain from the settlement of a legal proceeding, which is discussed in more detail in note 16 of notes to the consolidated financial statements herein. | 33 | 10K |
HannoverRueckSE-AR_2011 | 1,073 | Owing to temporary valuation losses arising out of the fair value measurement of investments deposited with ceding companies as required by the relevant accounting rules, the operating result recognised by our subsidiary in the year under review decreased to EUR 9.0 million (EUR 13.0 million). | 45 | annual_report |
NatixisSA-AR_2007 | 8,767 | Sensitive cases are reviewed at least quarterly and are presented to the quarterly Watch List Committee. | 16 | annual_report |
1096 | 292 | NOTES TO STATUTORY FINANCIAL STATEMENTS YEARS ENDED DECEMBER 31, 1998, 1997 AND 1996 | 13 | 10K |
SwissReAG-AR_2018 | 920 | Swiss Re shares Swiss Re had a market capitalisation of CHF 30.5 billion on 31 December 2018, with 338.6 million shares outstanding, of which 300.0 million were entitled to dividends. Swiss Re shares are listed in accordance with the International Reporting Standard on the SIX Swiss Exchange (SIX) and are traded under the ticker symbol SREN. | 56 | annual_report |
fr_axa-AR_2001 | 202 | Special Note Regarding Forward-Looking Statements This annual report contains both historical and forward-looking statements concerning the financial condition, results of operations and business of AXA. All statements other than statements of historical facts are, or may be deemed to be, forward-looking statements. Forward-looking statements are statements of future expectations that are based on management’s current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements, including those discussed elsewhere in this annual report and in AXA’s other public filings, press releases, oral presentations and discussions. Forward-looking statements include, among other things, discussions concerning the potential exposure of AXA to market risks, as well as statements expressing management’s expectations, beliefs, estimates, forecasts, projections and assumptions. | 134 | annual_report |
2122 | 317 | The consolidated financial statements include the accounts of the Company and its subsidiaries. Significant intercompany accounts and transactions have been eliminated. The accompanying consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States ("GAAP"). The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates are based on knowledge of current events and anticipated future events, and accordingly, actual results may differ from those estimates. | 92 | 10K |
gb_lloyds_banking_grp-AR_2016 | 5,121 | Loans and receivables: Loans and advances to customers 583 – 1,491 – | 12 | annual_report |
TopdanmarkAS-AR_2018 | 604 | Net present value of expected future cashflows 15 22 Profit margin 69 70 | 13 | annual_report |
ch_zurich_insurance_group-AR_2014 | 953 | 2 Committee members receive a cash fee of CHF 50,000 (CHF 50,000 in 2013) for all committees on which they serve, irrespective of the number. The committees on which the Directors serve are set out in the Corporate governance report on page 29. | 43 | annual_report |
AvivaPLC-AR_2018 | 2,576 | Long-term business technical provisions and other insurance items 907 37 Deferred acquisition costs 3 (2) Unrealised (losses) on investments (1,453) (33) Pensions and other post-retirement obligations 2 19 Unused losses and tax credits 7 19 Subsidiaries, associates and joint ventures (7) (4) Intangibles and additional value of in-force long-term business (64) (85) Provisions and other temporary differences 60 172 Total deferred tax (credited)/charged to income statement (545) 123 | 68 | annual_report |
1913 | 1,016 | MONY Group’s principal operating subsidiaries are MONY Life Insurance Company (“MONY Life”), formerly known as The Mutual Life Insurance Company of New York, and The Advest Group, Inc. (“Advest”). MONY Life’s principal wholly owned direct and indirect operating subsidiaries include: (i) MONY Life Insurance Company of America (“MLOA”), an Arizona domiciled life insurance company, (ii) Enterprise Capital Management (“Enterprise”), a distributor of both proprietary and non-proprietary mutual funds, (iii) U.S. Financial Life Insurance Company (“USFL”), an Ohio domiciled insurer underwriting specialty risk life insurance business, (iv) MONY Securities Corporation (“MSC”), a registered securities broker-dealer and investment advisor whose products and services are distributed through MONY Life’s career agency sales force, (v) Trusted Securities Advisors Corp. (“Trusted Advisors”), which distributes investment products and services through a network of accounting professionals, (vi) MONY Brokerage, Inc. (“MBI”), a licensed insurance broker, which principally provides MONY Life’s career agency sales force with access to life, annuity, small group health, and specialty insurance products written by other insurance companies so they can meet the insurance and investment needs of their customers, and (vii) MONY International Holdings (“MIH”), which through its Brazilian domiciled insurance brokerage subsidiary, principally provides insurance brokerage services to unaffiliated third party insurance companies in Brazil and, to a lesser extent since its reorganization in 2001, provides life insurance, annuity and investment products, as well as trust services, to nationals of certain Latin American countries through its Cayman Island based insurance and banking subsidiaries (MONY Life Insurance Company of the Americas, Ltd. and MONY Bank & Trust Company of the Americas, Ltd., respectively). Advest, through its principal operating subsidiaries, Advest, Inc., a securities broker-dealer, Advest Bank and Trust Company, a federal savings bank, and Boston Advisors, a registered investment advisory firm, provides diversified financial services including securities brokerage, securities trading, investment banking, trust, and asset management services. | 304 | 10K |
de_allianz-AR_2018 | 2,226 | Process (ELCA), IT General Controls (ITGC) and controls at process levels. The ELCA framework contains controls to monitor the system of governance effectiveness. In the ITGC framework we have implemented, for example, controls for access right management and for project and change management. We are in the process of including the current ICOFR framework in an Integrated Risk and | 59 | annual_report |
SwissReAG-AR_1904 | 14 | Shareholder's Capital (4000 shares of Pr. 2000 each) . . 8,000,000 Reserve Fund ... 1,000,000 — Special Reserve 600,000 — Due to other Companies ............ 2,220,762 88 Sundry creditors 57,060 98 Reserves, Fire, Marine, Accident and Burglary Dep^-: for unexpired risks Fr. 4,431,541.57 „ outstanding losses . . . ..... . . . „ 3,823,330.- 8,254,871 57 | 57 | annual_report |
5542 | 603 | Premium income, deposits to policyholder account balances, investment income, and capital raising are the primary sources of funds while withdrawals of policyholder account balances, investment purchases, policy benefits in the form of claims, and operating expenses are the primary uses of funds. To ensure we will be able to pay future commitments, the funds received as premium payments and deposits are invested in primarily fixed income securities. Funds are invested with the intent that the income from investments, plus proceeds from maturities, will in the future meet our ongoing cash flow needs. The approach of matching asset and liability durations and yields requires an appropriate mix of investments. Our investments consist primarily of marketable debt securities that could be readily converted to cash for liquidity needs. Cash flow projections and cash flow tests under various market interest scenarios are also performed annually to assist in evaluating liquidity needs and adequacy. As a member of the Federal Home Loan Bank, USALSC has immediate access to additional cash liquidity. | 167 | 10K |
RaiffeisenBankInternationalAG-AR_2017 | 5,751 | The amendments serve to clarify the provisions in relation to transfers to or from investment properties. In particular, the amendments clarify whether property which is under construction or development which was previously classified under inventories can be transferred to investment properties when there is an evident change of use. The application of these amendments is not expected to have any impact on the consolidated financial statements of RBI. | 68 | annual_report |
gb_prudential-AR_2011 | 1,301 | He served the Government of Australia as Chairman of the Food Industry Council and as a Member of the Industry Council of Australia, and was also a member of the Advisory Committee for an APEC (Asia-Pacific Economic Cooperation) Food System, a Member of The Turkish Prime Minister’s Advisory Group and the WTO (World Trade Organization) Business Advisory Council in Switzerland. | 60 | annual_report |
RaiffeisenBankInternationalAG-AR_2013 | 475 | Tier 1 capital fell 3.4 per cent, or € 311 million, to € 8,968 million, particularly due to the negative development of the Russian rouble, the Ukrainian hryvna, the Czech koruna and the Polish zloty. Another negative effect resulted from the purchase of 25 per cent of the non-controlling interests in Raiffeisenbank Austria d.d., Zagreb in July 2013. The profit for the financial year is included in the calculation. However, the projected dividends to be paid out for the financial year 2013 have been deducted. | 85 | annual_report |
2886 | 881 | Through its subsidiary, Rockwood, the Company has exposure to claims for black lung disease. Those diagnosed with black lung disease are eligible to receive workers’ compensation benefits from various federal and state programs. These programs are continually being reviewed by the governing bodies and may be revised without notice in such a way as to increase the level of the Company’s exposure. Reserves for losses are maintained for these exposures and, in management’s opinion, adequately cover the Company’s risk. | 79 | 10K |
2998 | 913 | We have audited the accompanying consolidated balance sheets of StanCorp Financial Group, Inc. and subsidiaries (the “Company”) as of December 31, 2006 and 2005, and the related consolidated statements of income and comprehensive income, changes in shareholders’ equity, and cash flows for each of the three years in the period ended December 31, 2006. These financial statements are the responsibility of the Company’s management. Our responsibility is to express an opinion on these financial statements based on our audits. | 79 | 10K |
3202 | 1,424 | At December 31, 2006 and 2005 XLCA had a federal income tax payable of $5.3 million and $1.0 million respectively. For the post-ownership change period, XLCA will maintain a similar tax sharing agreement with U.S. affiliates that are a member of the SCA Holdings U.S. Inc. consolidated tax filing. In addition, a complementary method is used which results in reimbursement by profitable affiliates to loss affiliates for tax benefits generated by loss affiliates. | 73 | 10K |
AegonNV-AR_2005 | 2,629 | AEGON N.V. has guaranteed and is severally liable for the following: • Due and punctual payment of payables due under Letter of Credit Agreements applied for by AEGON N.V. as co-applicant with its subsidiary companies AEGON USA, Inc., Commonwealth General Corporation and Transamerica Corporation (EUR 3,680 million). At December 31, 2005, there were no amounts due and payable. | 58 | annual_report |
fr_axa-AR_2013 | 593 | In 2004, AXA Financial acquired The MONY Group Inc. and its subsidiaries, including MONY, MLOA, U.S. Financial | 17 | annual_report |
RaiffeisenBankInternationalAG-AR_2007 | 2,008 | Negative fair values of derivatives in cash flow hedges (IAS 39) 8,302 – | 13 | annual_report |
AvivaPLC-AR_2019 | 1,803 | Strategic report Governance IFRS financial statements Other information 13 CEO Pay ratio table | 13 | annual_report |
3939 | 1,185 | incentive compensation expense which was 1.0 point higher than in the year ended December 31, 2007 and 1.0 point of office consolidation costs. | 23 | 10K |
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