report_id
stringlengths
1
60
paragraph_nr
int64
0
28.3k
text
stringlengths
21
14.6k
n_words
int64
11
2.31k
filing_type
stringclasses
2 values
4951
1,877
Actual tax benefits realized for the tax deductions for performance share awards paid out under these share based payment arrangements for 2014, 2013 and 2012 was $4.0 million, $4.7 million and $4.7 million, respectively.
34
10K
5508
302
While NSIC composes only 9.9% of premium revenue, the segment makes up 41.2% of consolidated assets. The majority of these assets consist of fixed maturity investments. Net investment income was up $171,000 or 6.7% at $2,722,000 for the year ended December 31, 2018 compared to $2,551,000 for the same period last year. ...
86
10K
4531
1,166
In July 2012, the Company’s Insphere subsidiary closed an asset purchase agreement with Repp Gartner Financial, Inc. (“Repp Gartner”) - a San Diego, California based insurance agency call center - pursuant to which Insphere acquired certain assets of Repp Gartner. This transaction enables Insphere to add a call center ...
163
10K
fr_axa-AR_2019
7,801
Macro-hedge and other derivatives (150) 894 744 1 59 59 (149) 952 803
13
annual_report
INGGroepNV-AR_2016
6,022
Result after tax –35 –120 Result from (disposal of) group companies, associates and joint ventures after taxation 12 4,686 4,130
20
annual_report
gb_prudential-AR_2019
1,259
Our Group-wide Responsible Investment Framework is designed to draw together the ESG-related approaches of our asset management businesses (Eastspring in Asia and PPM America in the US) and our asset owner insurance businesses (Prudential Corporation Asia in Asia and Jackson in the US). The ESG Executive Committee now ...
160
annual_report
5148
2,151
During the year ended December 31, 2015, the property lines incurred $23.3 million of losses and loss expenses from a third quarter notable loss event, Tianjin, which represented 5.4 percentage points of the property lines loss ratio. Net of $1.8 million of reinstatement premiums, the effect of this event on net operat...
59
10K
HannoverRueckSE-AR_2011
2,112
Non-life reinsurance 91.2 +2.1 +1.5 323.7 +7.5 +6.0 life and health reinsurance 221.4 +10.3 +4.6 243.9 +15.5 +5.2 1 ivc/net premium earned 2 income above risk-free after deduction of risk-appropriate cost of capital
33
annual_report
265
343
On December 13, 1995, the Company declared a 10% stock dividend, to shareholders of record on January 15, 1996, distributed February 2, 1996. The par value of the additional shares of Common Stock issued in connection with the stock dividend was credited to common stock and a like amount charged to retained earnings as...
64
10K
Sampoplc-AR_2020
3,301
Advantage maintains a control log to identify, report, and take action on errors made by the outsourced service provider.
19
annual_report
2682
1,209
We enter into contracts generally on an annual basis with government agencies that administer health benefits programs. We receive premiums from state and federal agencies for the members that are assigned to or have selected us to provide healthcare services under each benefit program. The amount of premiums we receiv...
73
10K
5325
902
The following table summarizes the credit quality of the fixed maturity investment portfolio at December 31, 2016 and 2015:
19
10K
fr_axa-AR_2016
842
Fees and revenues from investment contracts without participating feature 219 236
11
annual_report
4440
1,603
$600 million XLCFE Notes due January 2012, with a fixed coupon of 6.5%. These notes were repaid at maturity on January 15, 2012. The notes were issued at 99.469% and gross proceeds were $596.8 million. Related expenses of the offering amounted to $7.9 million.
44
10K
gb_lloyds_banking_grp-AR_2013
6,277
If the adjusted eP reaches £1,254 million, 25 per cent of this element of the award, being the threshold, will vest.
21
annual_report
AvivaPLC-AR_2019
5,146
6 Regulation was introduced in France that allows French insurers to place the Provision pour Participation aux Excedents (PPE) into Solvency II own funds. The PPE has been included in the France local regulatory own funds in 2019 but it is not included in the Group regulatory own funds.
49
annual_report
DirectLineInsuranceGroupPLC-AR_2013
777
Overall, cash and cash equivalents decreased by £564.0 million (2012: £110.1 million increase) across the year to £853.2 million (31 December 2012: £1,417.5 million) representing the rebalancing of the investment portfolio including the reduction of cash holdings.
37
annual_report
gb_prudential-AR_2011
5,216
Bond spread over swap rates 139 117 Total credit risk allowancenote (2) 35 38
14
annual_report
AvivaPLC-AR_2009
3,332
The increase in the reinsurers' share of provisions for claims incurred but not reported during 2009 is due to a revised allocation between outstanding claims and IBNR of reinsurance assets in respect of certain discontinued run-off business.
37
annual_report
3837
1,512
The Company has entered into strategic investments with unfunded capital commitments totaling $89.1 million through 2012. The Company expects to fund capital commitments of $51.1 million, $18.0 million, $16.5 million and $3.5 million during 2009, 2010, 2011 and 2012, respectively.
40
10K
AegonNV-AR_2001
1,497
In the performance of their duties, the members of the Supervisory Board shall follow the interests of the Company and its business. The Supervisory Board currently consists of nine members and acts as a body with collective responsibility and accountability. The members of the Board are (re)appointed by the Board itse...
314
annual_report
5004
1,256
Goodwill is recognized in conjunction with acquisitions as the excess of the purchase consideration for the acquisition over the fair value of identifiable assets acquired and liabilities assumed. The fair value of identifiable assets and liabilities, and thus goodwill, is subject to redetermination within a measuremen...
57
10K
RaiffeisenBankInternationalAG-AR_2009
1,799
Impairment on financial assets not measured at fair value through profit and loss (1,750,535) (780,301)
15
annual_report
4472
1,278
During the year ended December 31, 2011, the Company recorded pre-tax other-than-temporary impairments of investments of $62.2 million. Of the $62.2 million of impairments for the year ended December 31, 2011, $47.3 million was recorded in earnings and $14.9 million was recorded in other comprehensive income (loss). Fo...
167
10K
AssicurazioniGeneraliSpA-AR_2016
2,729
In accordance with the CONSOB Communication No. 6064293 of 28 July 2006, the table below summarizes the reconciliation of the result of the period and shareholders ’ equity of the Group and the Parent Company.
35
annual_report
NatixisSA-AR_2016
11,566
FCPR Fonds Commun de Placement à Risque (Private Equity Investment Fund)
11
annual_report
StandardLifeAberdeenPLC-AR_2011
65
Assets under administration 1 Jan 2011 Gross inflows Redemptions Net inflows Market and other movements
15
annual_report
2841
615
We capitalize costs that vary with and are related primarily to the acquisition of new and renewal insurance and annuity contracts. These costs include primarily commissions, costs of policy issuance and underwriting, and variable field office expenses. We amortize these deferred policy acquisition costs, or DAC, over ...
94
10K
3511
4,882
We may utilize derivative financial instruments to help manage the exposure to interest rate risk, and to a lesser extent currency and credit risks, from the fixed income securities portfolio. For a more detailed discussion of interest rate, and currency risks and our use of derivative financial instruments, see the Ne...
71
10K
PhoenixGroupHoldingsPLC-AR_2013
109
Retirement Choices in March 2013, we made improvements to both the literature and processes for our policyholders reaching retirement to make it easier for customers to understand the options open to them and how they might ‘shop around’ for a better deal. The code itself did not cover all pension types but in an effor...
74
annual_report
RaiffeisenBankInternationalAG-AR_2009
861
Founded in 1991 as Slovakia’s first private bank, Tatra banka a.s. ranked third in the market at the end of 2009. Listed on the Bratislava Stock Exchange, Tatra banka was especially successful in business with both corporate and retail customers in 2009. Serving affluent customers is one activity that the bank has focu...
77
annual_report
3098
1,065
Net losses for 2006, 2005, and 2004 were $24.8 million, $165,000, and $14.3 million, respectively. However, in analyzing the Company’s results of operations, a separation of results between continuing and discontinued operations provides a more meaningful view. As previously described, the Company sold Family Life resu...
91
10K
de_allianz-AR_2013
2,037
Income from fully consolidated private equity investments (net) – – – – – – (17) (26) 2 (33) (15) (59) Interest expenses from external debt – – – – – – (901) (991) – – (901) (991)
37
annual_report
1444
414
during 2000, has higher agent commissions and issue costs than small group products, but lower claim costs. In addition, in the third quarter of 2000, the Company received a one-time assessment from the State of Minnesota related to the Company's exit from the MedOne health insurance market in that state in early 1999....
92
10K
4367
1,446
Reserves of foreign operations relate primarily to the operations of Marketform Group, Limited, AFG’s 72%-owned United Kingdom-based Lloyd’s insurer. Historically, the largest line of business written by Marketform has been non-U.S. medical malpractice, which provides coverage for injuries and damages caused by medical...
78
10K
5802
1,714
The following table provides investment income and investment gains and losses:
11
10K
gb_prudential-AR_2013
1,642
Our remuneration strategy remains unchanged from that approved by shareholders in last year’s directors’ remuneration report: To attract and retain the high calibre executives required to lead and develop the Group Reward must be: B Valued by executives; and B Competitive, to engage executives who are in demand in the ...
62
annual_report
NatwestGroupPLC-AR_2018
4,319
RBS CIF Trustee Ltd FC FC 100 (3) Walter Property Ltd FC FC 100 (97) RBS Corporate Finance Ltd FC FC 100 (19) West Register (Land) Ltd FC DE 100 (16)
31
annual_report
INGGroepNV-AR_2018
4,024
Debt securities 807 386 3 Price based Price (%) 0% 0% 105% 161%
13
annual_report
nl_ing_grp-AR_2019
3,318
For a selection of emerging market currencies ING decided not to enter into foreign currency hedges as allowed under the policy.
21
annual_report
4592
10,067
The Company owns certain fixed income securities that obligate the Company to exchange credit risk or to forfeit principal due, depending on the nature or occurrence of specified credit events for the reference entities. In the event all such specified credit events were to occur, the Company's maximum amount at risk o...
92
10K
4954
2,152
The statutory net income and statutory capital and surplus for the Company’s insurance company subsidiaries are as follows:
18
10K
1946
885
Bond provides a variety of fidelity and surety bonds and executive liability coverages to clients of all sizes through independent agents and brokers. Bond net written premiums of $629.9 million in 2002 was $39.7 million higher than 2001. The 2002 amount is reduced by $17.5 million due to a change in the Bond Executive...
303
10K
INGGroepNV-AR_2008
558
Mortgages – portfolio growth under strict criteria The own-originated mortgages portfolio grew by EUR 17.2 billion (up 18.6% from 2007), bringing the total residential mortgages portfolio to EUR 113.7 billion at year-end. ING Direct’s ownoriginated residential mortgages reached 57% of funds entrusted.
42
annual_report
gb_prudential-AR_2011
5,269
• made estimates that are reasonable and consistent, and • described the basis on which business that is not covered business has been included in the supplementary information, including any material departures from the accounting framework applicable to the Group’s financial statements.
42
annual_report
5370
953
Pre-tax investment gains were approximately $1.4 billion in 2017, $7.6 billion in 2016 and $9.4 billion in 2015. Investment gains in 2016 included $4.2 billion from the redemptions of our Wrigley and Kraft Heinz preferred stock investments and from the sales of Dow Chemical common stock that was received upon the conve...
214
10K
AvivaPLC-AR_2017
4,938
Aviva France SA (99.99%) and its principal subsidiaries: Aviva Assurances S.A. (99.9%)
12
annual_report
ScorSE-AR_2008
2,176
The accounting for this acquisition was fi nalised on 20 February 2008 and there were no changes made to the amounts determined provisionally.
23
annual_report
SwissReAG-AR_2015
4,036
RE100 In a number of countries where we want to grow our business, there is a lack of renewable energy supplies in reliable quality. At the end of 2015, approximately 87% of the power we purchased across the Group thus came from renewable energy sources. We are committed to raising this figure to 100%, which is why we ...
72
annual_report
1381
206
One of the Company's growing lines of business is non-standard automobile coverage. The Company began selling this product in 1998. In 2000, the pool of Meridian companies wrote approximately $28.7 million of non-standard auto premium. During 2000, non-standard automobile coverage was expanded to include the states of ...
124
10K
ScorSE-AR_2016
3,667
(1) The Group reviewed the analysis of deferred taxes by type of temporary difference in 2016 in a prospective manner. Previous years data is presented as in the 2015 and 2014 Reference documents.
33
annual_report
SwissLifeHoldingAG-AR_2015
2,969
On 2 March 2016, Swiss Life Ltd successfully placed a CHF 450 million undated subordinated bond, first callable in September 2021 (coupon until first call date: 3.75%) and a CHF 150 million dated subordinated bond with final maturity in 2046, first callable in September 2026 (coupon until first call date: 4.375%). The ...
86
annual_report
PosteItalianeSpA-AR_2019
8,224
Over 90 days 1. Financial assets measured at amortised cost 2. Financial assets measured at fair value through other comprehensive income
21
annual_report
4284
609
(1) The December 31, 2009 loss and loss expenses payable balance has been adjusted for comparative purposes to reflect the loss and loss expenses payable ceded to the Mutual Pooled Companies on January 1, 2010 due to the 2010 pooling changes.
41
10K
SwissReAG-AR_2010
1,136
He began his career in the legal department of the Federal Finance Administration. In 1975, he joined Fides Trust Company. Following the successful planning and execution of a management buyout of Fides’ advisory business, he became a member of the Management Board of KPMG Switzerland in 1992. He was appointed Chief Ex...
81
annual_report
3648
2,336
The Holding Company has guaranteed the obligations of its subsidiary, Exeter Reassurance Company, Ltd., under a reinsurance agreement with MSMIC, under which Exeter reinsures variable annuity business written MSMIC.
29
10K
5697
795
Increasing interest rates may lead to an increase in annuity surrenders, which may be partially offset by an increase in new annuity sales. Our defined benefit plans are frozen and currently adequately funded; however, low interest rates, increased longevity of participants, and rising Pension Benefit Guaranty Corporat...
208
10K
HannoverRueckSE-AR_2013
349
The operating profit (EBIT) of EUR 150.5 million (EUR 279.0 million ) lagged well behind the level of the previous year. It should be borne in mind here that the previous year’s result had been influenced by positive special effects that were not repeated in the year under review. In addition, we strengthened reserves ...
86
annual_report
fr_axa-AR_2019
10,127
In Singapore, by sharing an analysis and consolidation of our claims and policy data for car accidents, users (both customers and non-customers) can better understand the risks on the roads they frequent and how they can avoid car accidents. With the same objective, AXA Mexico have helped Mexico City authorities secure...
110
annual_report
StorebrandASA-AR_2011
953
The financial statements shall satisfy legal and regulatory requirements and be prepared in accordance with the adopted accounting policies and published according to the schedule adopted by the Board of
30
annual_report
RaiffeisenBankInternationalAG-AR_2013
1,046
The presentation of segment performance is based on the income statement and geared to the reporting structure internally used. Income and expenses are attributed to the country and/or business division in which they are generated. Operating income positions are the net interest income, net fee and commission income, n...
205
annual_report
NatwestGroupPLC-AR_2012
3,784
Furthermore, the Government proposed a transfer of consumer credit regulation from the Office of Fair Trading to the FCA and it may also replace current Consumer Credit Act legislation with an FCA rulebook, changing rules in the process.
38
annual_report
Sampoplc-AR_2013
533
Additionally, long-term incentive programs shall always, above a certain level or for certain groups of participants, include terms requiring a defined part of the payout to be used to buy Sampo shares, which shall be held for a defined period of time.
42
annual_report
1276
515
Year ended December 31, (Amounts in thousands) ------------------------ 1999 1998 1997 ---- ---- ---- Computed tax expense at 35% ..................... $ 58,989 $ 82,348 $ 73,423 Tax-exempt interest income....................... (25,398) (23,496) (19,188) Dividends received deduction..................... (3,953) (5,437...
78
10K
nl_ing_grp-AR_2018
824
The function’s primary roles are to properly identify, measure and manage risks in normal and stressed economic conditions, and to oversee our business activities such that they are consistent with both our strategy and our risk appetite.
37
annual_report
ASRNederlandNV-AR_2014
1,139
• The risk appetite is linked to the strategic pillars and indicates a.s.r.’s willingness to take risks. • A pragmatic approach at both group, legal entity and business unit level to develop a vision with respect to risk which forms the basis of the day-to-day decision making process. The risk appetite is based on the ...
152
annual_report
3202
1,001
In July 2006, the FASB issued FASB Interpretation No. 48, “Accounting for Uncertainty in Income Taxes - an interpretation of FASB Statement No. 109” (“FIN 48”). FIN 48 prescribes a recognition threshold and measurement attribute for financial statement recognition and measurement of a tax position taken or expected to ...
106
10K
HiscoxLtd-AR_2018
632
The Board’s Terms of Reference include a Schedule of Matters Reserved for Board Decision, a copy of which can be found on the Group’s website, www.hiscoxgroup.com. Aside from the opportunity that Non Executive Directors have to challenge and contribute to the development of strategy in regular Board meetings, Non Execu...
62
annual_report
5434
897
The Company accounts for income taxes under the asset and liability method, which requires the recognition of deferred tax assets and liabilities for the expected future tax consequences of events that have been included in the Company's financial statements. Under this method, the Company determines deferred tax asset...
169
10K
HelvetiaHoldingAG-AR_2013
2,178
Total reserves for insurance and investment contracts (net) 5 347.7 10 103.5 6 470.3 9 780.1 1 064.1 32 765.7
20
annual_report
AssicurazioniGeneraliSpA-AR_2019
5,099
The Board of Statutory Auditors also verified the correct application of the criteria and process established by the Board of Directors to assess the independence of directors classed as “independent”; it also ascertained that its own independence requirements were met, and informed the Board of Directors of its findin...
139
annual_report
1465
392
In two separate recently filed actions, NSIC is named as a defendant in purported class actions relating to the past sale of industrial burial insurance. The actions address whether the premiums charged were excessive relative to the benefit provided and whether the premiums charged were in any manner discriminatory re...
117
10K
AvivaPLC-AR_2020
444
In the year, the FCA sought guidance through a legal Test Case to determine whether specific, disputed policy wordings called for the payment of business interruption claims arising from the COVID-19 pandemic. Aviva was not a party to the Test Case, but fully supported the process. The test case did not require any cha...
82
annual_report
2888
2,749
• The Company has outstanding forward purchase contracts associated with the Company’s equity units under which the Company will issue between 17.8 and 22.2 million shares of common stock, depending on the stock price on the date of issuance, and receive proceeds of approximately $1.02 billion in 2006. See further disc...
62
10K
INGGroepNV-AR_2011
3,513
• Learning – Continuous global education and awareness training was provided through face-to-face training sessions and learning tools on topics such as Ultra High Risk Countries & Export Trade, Financial Economic Crime, and Gifts, Entertainment and Anti-Bribery. Compliance Risk Management also continued its mandatory ...
57
annual_report
4279
1,588
Net assets of the insurance subsidiaries aggregated $12.9 billion at December 31, 2010, on a GAAP basis, compared with $10.1 billion a year ago. Aflac Japan accounted for $8.9 billion, or 68.5% of net assets at December 31, 2010, compared with $6.7 billion, or 66.7%, at December 31, 2009.
49
10K
SwissLifeHoldingAG-AR_2003
2,039
Swiss Life Immo-Techno Center I, Bruxelles Other l from 01.01.2003 99.7% 100.0% full EUR 583
15
annual_report
gb_lloyds_banking_grp-AR_2014
349
Our focus on doing business responsibly is recognised by our continued presence in the FTSE4Good socially responsible investment index, our position in the CDP (Carbon Disclosure Project) and our platinum status in the Business in the Community CR Index.
39
annual_report
4247
614
Economic capital is an internally developed risk capital model, the purpose of which is to measure the risk in the business and to provide a basis upon which capital is deployed. The economic capital model accounts for the unique and specific nature of the risks inherent in our businesses. As a part of the economic cap...
103
10K
5910
1,152
Reinsurance: Insurance affiliates of Globe Life reinsure a portion of insurance risk that is in excess of their retention limits. Current retention limits for new business written on ordinary life insurance range up to $500 thousand per life. Life insurance ceded represented 0.3% of total life insurance in force at Dec...
99
10K
gb_lloyds_banking_grp-AR_2006
250
As expected, the Wholesale and International Banking charge for impairment losses on loans and advances increased by £120 million to £308 million, reflecting lower levels of releases and recoveries in Corporate Markets than in 2005, and a higher level of consumer finance lending impairment in the Asset Finance business...
81
annual_report
Sampoplc-AR_2014
188
If endeavors to take its social responsibility beyond its business operations. Its principal objective is to constantly act in a manner that satisfies or exceeds the ethical, legal and commercial requirements placed upon the business. If P&C is a significant tax payer in the Nordic countries as the company paid corpora...
63
annual_report
INGGroepNV-AR_2019
3,223
Committee (MRMC) is the dedicated authority within ING for the approval of all trading and banking risk models, methodologies and parameters related to market risk. The Trading Pricing Model
29
annual_report
ScorSE-AR_2008
430
The order of the Commercial Court of Zurich was issued on 15 May 2008 and became effective on 20 May 2008. On 5 June 2008, the Board of Directors of SCOR decided, as a consideration for the 2,840,816 shares of SCOR Holding (Switzerland), to (i) issue 1,420,408 SCOR shares and (ii) to pay CHF 15,624,488 and (iii) EUR 1,...
109
annual_report
NatwestGroupPLC-AR_2015
8,445
entities (which will include the Group parent company) will also be subject to certain limitations. The RFB subgroup will have to meet prudential requirements, including Pillar 2A
27
annual_report
gb_prudential-AR_2007
489
In 2007, Jackson also introduced a line of retail mutual funds and launched two new fixed index annuity products that offer new index options and multiple crediting methods. These additions provide even more product choices to advisers and create more opportunities to capture a larger portion of the US retirement marke...
51
annual_report
AdmiralGroupPLC-AR_2006
507
Martin Jackson (58) Non-executive Director (A, R) Martin was appointed Non-executive Director and
13
annual_report
AssicurazioniGeneraliSpA-AR_2014
4,675
Europ Assistance Macau 059 MOP 400,000 a 11 70.00 Ponte Alta Lda 70.00 36.72
14
annual_report
4301
1,181
Property catastrophe retrocession pricing started to decline in January 2011. At the same time, property catastrophe reinsurance pricing softened by an estimated 5% to 10% versus January 2010. We believe this soft pricing is due to the increased underwriting capacity of the industry, and in accordance with our strategy...
91
10K
PowszechnyZakladUbezpieczenSA-AR_2019
757
Metric: percentage of marketing consents and client contact details in PZU and PZU Życie.
14
annual_report
5852
183
This ASU is effective as of March 12, 2020 through December 31, 2022.
13
10K
NatwestGroupPLC-AR_2012
4,229
Considerable progress has been made over the past four years and the Committee remains focused on delivering remuneration structures that complement our goal of rebuilding a safer and more sustainable business, capable of serving customers and shareholders well in the long term. It is a difficult but important balance ...
94
annual_report
SwissReAG-AR_1995
643
Convertible bonds and issuance of bull spread warrants SwissRe Finance (Bermuda) Ltd., a wholly owned subsidiary of Swiss Re, placed a convertible bond issue and issued bull spread warrants on 29 June 1995.The con­ vertible bonds, in the nominal amount of USD 500 million and maturing in five years (on 30 June 2000), ca...
129
annual_report
fr_axa-AR_2019
8,964
These regulations are generally designed to safeguard client assets and ensure adequacy of disclosures concerning investment returns, risk characteristics of invested assets in various funds, suitability of investments for client investment objectives and risk tolerance, as well as the identity, regulatory approvals an...
48
annual_report
3411
698
(Loss) income from joint ventures, net of tax (269,341 ) 169,508
11
10K
HannoverRueckSE-AR_2010
3,747
Catastrophy risk(s, business, losses, bond) 3 f, 8, 21 f, 25, 27,
12
annual_report
GjensidigeForsikringASA-AR_2012
2,156
Allocated return on investments transferred to the technical accounts (491.8) (720.6)
11
annual_report
AegonNV-AR_2019
7,615
315 Income statement of Aegon N.V. 316 Statement of financial position of Aegon N.V.
14
annual_report
4542
1,206
The total non-credit OTTI on debt securities included in other comprehensive income as of December 31, 2011 was $1.7 million. As of December 31, 2012 due to appreciation in the fair value, the debt securities for which non-credit OTTI was previously recognized are now in an unrealized gain position of twenty thousand.
52
10K
4328
1,110
Our fixed maturity security portfolio is managed to minimize risks such as interest rate changes and defaults or impairments while earning a sufficient and stable return on our investments. Historically, we have had a high percentage of our fixed maturity securities in U.S. Government sponsored agency securities (for t...
109
10K