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fr_axa-AR_2014 | 7,464 | Actual return on separate assets, excluding interest income 38 27 - - 38 27 | 14 | annual_report |
2280 | 756 | A summary of the carrying value and estimated fair value of assets and liabilities meeting the definition of financial instruments at December 31, 2003 and 2002 is as follows. | 29 | 10K |
fr_axa-AR_2006 | 2,764 | Net income increased by €20 million to €45 million benefiting from €7 million additional contractual realized profit, related to the sale of the health portfolio to Achmea in 2004. | 29 | annual_report |
fr_axa-AR_2001 | 3,172 | Over the past three years, the potential loss from stock market fluctuations has been more significant than the loss resulting from interest rate changes. The impact of interest rate fluctuations on interest-sensitive investments was partially offset by fair value changes in the related insurance liabilities. The impact of stock market declines on equity securities was accompanied by smaller changes in the estimated fair value of insurance liabilities (except for participating life contracts and separate account contracts). The gross life insurance liabilities, which do not include separate account (unit-linked) liabilities, are supported largely by fixed maturity securities and the fair value of these liabilities are generally estimated using discounted cash flows. | 110 | annual_report |
AvivaPLC-AR_2009 | 1,995 | UK winding up rules The general insolvency laws and regulations applicable to UK companies are modified in certain respects in relation to UK insurance companies, where direct insurance claims will have priority over the claims of other unsecured creditors (with the exception of preferred creditors), including reinsurance creditors, on a winding-up by the court or a creditors’ voluntary winding up of the insurance company. Furthermore, instead of making a winding-up order when an insurance company has been proved unable to pay its debts, a UK court may, under section 311 of FSMA, reduce the amount of one or more of the insurance company’s contracts on terms and subject to conditions (if any) which the court considers fit. Where an insurance company is in financial difficulties but not in liquidation, the Financial Services Compensation Scheme may take measures for securing the transfer of all or part of the business to another insurance company. | 152 | annual_report |
5736 | 2,510 | Pursuant to the Individual Life Transaction, the Company will divest or dissolve five regulated insurance entities, including its life companies domiciled in Colorado and Indiana, and captive entities domiciled in Arizona and Missouri. The Company will also divest Voya America Equities LLC, a regulated broker-dealer, and transfer or cease usage of a substantial number of administrative systems. The Company will undertake further restructuring efforts to reduce stranded expenses associated with its Individual Life business as well as its corporate and shared services functions. Through the closing of the Individual Life Transaction, the Company anticipates incurring additional restructuring expenses directly related to the disposition. These collective costs, which include severance, transition and other costs, cannot currently be estimated but could be material. Refer to the Business Held for Sale and Discontinued Operation Note to these Consolidated Financial statement for further information. | 140 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2018 | 1,943 | Munich Re Group Annual Report 2018 51 Events after the balance sheet date | 13 | annual_report |
gb_prudential-AR_2010 | 3,236 | This is represented in the segmental analysis of profit from continuing operations before tax attributable to shareholders in note B1 as follows: Year ended 31 December 2009 £m | 28 | annual_report |
4033 | 963 | At December 31, 2009, the Company was in compliance with the financial covenants under the Credit Agreement. If the Company does not meet the covenant requirements in the future, it would be in default under the Credit Agreement. In such an event, the Company would need to obtain a waiver of the default or repay the outstanding indebtedness under the Credit Agreement. If the Company could not obtain a waiver on satisfactory terms, it could be required to renegotiate the Credit Agreement, or obtain other financing in order to repay all amounts due thereunder. Any such renegotiations, if successful, or any other financing, if completed, could result in less favorable terms, including higher interest rates, accelerated payments, and fees. No assurance can be provided that any necessary renegotiations or other financing arrangements could be completed in a timely manner, or at all. | 142 | 10K |
3760 | 550 | Reserves for deferred annuity investment contracts and immediate annuities without life contingent payouts are equal to cumulative deposits, less charges and withdrawals, plus credited interest thereon. Deferred annuity crediting rates and reserve interest rates varied by product up to 10.0% for 2008 and 2007, and 7.8% for 2006. | 48 | 10K |
RSAInsuranceGroupPLC-AR_2007 | 1,443 | 26. Retirement benefit obligations continued In addition to these changes, the 2002 Scheme (which was the scheme to which new UK employees had been admitted following the closure of the defined benefit schemes to new members) has been closed to further accrual from 1 January 2006. It has been replaced by a stakeholder arrangement and members of the 2002 Scheme and future new employees in the UK accrue future benefits on a defined contribution basis under the stakeholder scheme. | 79 | annual_report |
Sampoplc-AR_2016 | 2,279 | The amendments to IFRS 9 Financial Instruments (estimated effective for annual periods beginning on 1 Jan 2021 or after) supersede IAS 39 Financial Instruments: Recognition and Measurement. The new standard changes the classification and measurement of financial assets and includes a new impairment model based on expected credit losses. The hedge accounting will continue to have three different hedging relationships. The adoption of the new standard will have an impact on the Group’s financial statements; the effects are under valuation in the Group. | 83 | annual_report |
4388 | 392 | The property and casualty insurance industry is characterized by periods of soft market conditions, in which premium rates are stable or falling and insurance is readily available, and by periods of hard market conditions, in which premium rates rise, coverage may be more difficult to find, and insurers’ profits increase. The Company believes that the California property and casualty insurance market continues to be a “soft market.” The Company cannot determine how long the existing market conditions will continue nor in which direction they might change. Despite the increased competition in the property and casualty marketplace, the Company believes that rate adequacy is more important than premium growth and that underwriting profit is its primary goal. Nonetheless, Crusader believes that it can grow its sales and profitability by continuing to focus upon three key areas of its operations: (1) product development, (2) improved service to retail brokers and (3) appointment of captive and independent retail agents. | 156 | 10K |
771 | 148 | GRFP closely controls its derivatives operations and actively manages its open positions to limit its risk exposures. GRFP hedges its exposure to market risk (which includes foreign exchange, interest rate, credit spread, equity, swap spread, volatility, correlation, and yield curve risks) in connection with its dealer activities by purchasing or selling futures contracts, entering into forward foreign exchange contracts, purchasing or selling U.S. and foreign government securities or entering into offsetting derivative transactions. | 73 | 10K |
RaiffeisenBankInternationalAG-AR_2015 | 2,323 | Assets under finance leases break down as follows: Vehicles leasing 1,869,112 1,785,280 | 12 | annual_report |
5952 | 1,226 | Acquisitions made by Kentucky Trailer in 2014, 2015, 2018 and 2019, including two acquisitions of controlling interests in manufacturers of aluminum feed transportation equipment. Specifically, Kentucky Trailer acquired a company based in Cedar Rapids, Iowa in December 2018 and a company based in Birmingham, Alabama in July 2019; | 48 | 10K |
StandardLifeAberdeenPLC-AR_2017 | 3,422 | (b) Analysis of amounts recognised in the consolidated statement of financial position 2017 2016 | 14 | annual_report |
ch_zurich_insurance_group-AR_2006 | 335 | Total investments increased by USD 32.7 billion, while on a local currency basis they increased by USD 8.2 billion, or 3 percent. Similarly, total reserves for insurance contracts increased by 9 percent, but on a local currency basis by 2 percent. Liabilities for investment contracts increased by 24 percent in reporting currency and 10 percent on a local currency basis. As of December 31, 2006, financial debt remained flat on a local currency basis compared with December 31, 2005, while total equity increased by 16 percent primarily due to the contribution of net income after taxes. | 96 | annual_report |
SwissReAG-AR_2008 | 2,036 | Insurance-linked and credit-linked securitisations The insurance-linked and credit-linked securitisations transfer pre-existing insurance or credit risk to the capital markets through the issuance of insurance-linked or credit-linked securities. In insurance-linked securitisations, the securitisation vehicle initially assumes the insurance risk through insurance contracts. In credit-linked securitisations, the securitisation vehicle initially assumes the credit risk through credit default swaps. | 56 | annual_report |
AvivaPLC-AR_2009 | 2,936 | The majority of the Group’s financial assets are valued based on quoted market information or observable market data. A small percentage (4%) of total financial assets recorded at fair value, are based on estimates and recorded as Level 3 investments. Where estimates are used, these are based on a combination of independent third-party evidence and internally developed models, calibrated to market observable data where possible. Whilst such valuations are sensitive to estimates, it is believed that changing one or more of the assumptions to reasonably possible alternative assumptions would not change the fair value significantly. | 95 | annual_report |
fr_axa-AR_2016 | 2,457 | This should enable AXA to continue creating lasting shareholder value and offer an attractive return. | 15 | annual_report |
ch_zurich_insurance_group-AR_2018 | 2,825 | Quantifiable commitments and contingencies in USD millions, as of December 31 2018 2017 | 13 | annual_report |
NatwestGroupPLC-AR_2004 | 1,658 | In the event that the proposed new Citizens Long Term Incentive Plan is not approved, Mr Fish will participate in existing approved short and long term cash plans already operating in Citizens. | 32 | annual_report |
4098 | 1,815 | The Company diversifies its real estate holdings by both geographic region and property type to reduce risk of concentration. The Company’s real estate holdings are primarily located in the United States. The Company’s real estate holdings located in California, Florida, New York and Texas were 23%, 13%, 11% and 10% at December 31, 2009. See Note 3 of the Notes to the Consolidated Financial Statements “Investments- Real Estate Holdings” for a table that presents the property type diversification at December 31, 2009 and 2008. | 84 | 10K |
NatwestGroupPLC-AR_2009 | 4,483 | Acquisition of subsidiaries — — 60,098 — — — Disposal of subsidiaries — (3,171) — — — — | 18 | annual_report |
gb_prudential-AR_2014 | 4,011 | Effect of derecognition of PSPS (deficit) surplus (82) 447 Consolidation adjustment for investments in Prudential insurance policies and other adjustments (4) 1 | 22 | annual_report |
5903 | 1,080 | •Risk Factors. See “Risk Factors” for a discussion of the risks to our businesses posed by the COVID-19 pandemic. | 19 | 10K |
gb_prudential-AR_2019 | 1,622 | These demerger-related activities were held in addition to the Group’s usual full global programme of engagement with shareholders, potential investors and analysts, in the UK and overseas, which is conducted each year by the Group Chief Executive and the Group Chief Financial Officer and Chief Operating Officer, led by the Investor Relations team. The Group intends to maintain its regular engagement with investors and analysts which provides opportunity for the executive team to communicate progress and strategy outside of the financial reporting cycle. Going forward, this may include investor conferences or more specific events focused on particular aspects of our business. | 101 | annual_report |
5774 | 1,801 | To best serve our clients in the places they do business, we have operating subsidiaries, branches, joint ventures and underwriting platforms around the world, including DaVinci, Fibonacci Re, Renaissance Reinsurance, Top Layer Re, Upsilon RFO and Vermeer in Bermuda, Renaissance Reinsurance U.S. in the U.S., Syndicate 1458 in the U.K. and RenaissanceRe Europe in Switzerland, which has branches in Australia, Bermuda, the U.K. and the U.S. We write property and casualty and specialty reinsurance through our wholly owned operating subsidiaries, joint ventures and Syndicate 1458 and certain insurance products primarily through Syndicate 1458. Syndicate 1458 provides us with access to Lloyd’s extensive distribution network and worldwide licenses and also writes business through delegated authority arrangements. The underwriting results of our operating subsidiaries and underwriting platforms are included in our Property and Casualty and Specialty segment results as appropriate. | 138 | 10K |
gb_lloyds_banking_grp-AR_2009 | 4,214 | Investments in joint ventures and associates at end of year 78 1,032 117 (38) 50 1,239 | 16 | annual_report |
4463 | 455 | For an analysis of our securities with gross unrealized losses as of December 31, 2011 and 2010, and for other than temporary impairment losses that we recorded for the years ended December 31, 2011, 2010, and 2009, please see Note 6 of the notes to the consolidated financial statements in Item 8 of Part II of this report. | 58 | 10K |
gb_lloyds_banking_grp-AR_2019 | 2,974 | Salary Fixed share award Pension and Benefits Group Performance Share Long Term Share Plan Share price appreciation (50%) | 18 | annual_report |
3208 | 2,480 | The following table summarizes the terms of the reinsurance treaties with Foundation Re and Foundation Re II that were in place as of January 1, 2007: | 26 | 10K |
4709 | 1,762 | The following table reflects a summary of obligations and commitments outstanding, including both the principal and interest portions of long-term debt, with payment dates as of June 30, 2013. | 29 | 10K |
LloydsBankingGroupPLC-AR_2012 | 862 | Key balance sheet items at 31 december 2011 £bn £bn £bn £bn £bn £bn loans and advances to customers excluding reverse repos 352.8 155.7 40.2 0.1 548.8 | 27 | annual_report |
953 | 910 | The carrying value of commercial mortgage loans at December 31, 1998 was $886.9 million, which amount is net of valuation allowances aggregating $67.5 million which represents management's best estimate of cumulative impairments at such date. However, there can be no assurance that increases in valuation allowances will not be necessary. Any such increases may have a material adverse effect on the Company's financial position and results of operations. | 68 | 10K |
ch_zurich_insurance_group-AR_2018 | 2,083 | Net capital (gains)/losses on total investments and impairments 5,274 (12,201) Net change in derivatives (7) (229) Net change in money market investments 563 (1,528) Sales and maturities | 27 | annual_report |
4623 | 866 | Revenue from the surety insurance segment, consisting of FSC and TSA, increased 24%, with $1,576,107 in fiscal 2012 as compared with $1,275,319 for the prior year. Revenues attributable to the insurance segment are as follows: | 35 | 10K |
3507 | 5,609 | The Company guarantees that separate account assets will be sufficient to pay certain retiree or life benefits. The sponsoring employers are primarily responsible for ensuring that assets are sufficient to pay these benefits and are required to maintain assets that exceed a certain percentage of benefit obligations. This percentage varies depending on the asset class within a sponsoring employer’s portfolio (for example, a bond fund would require a lower percentage than a riskier equity fund) and thus will vary as the composition of the portfolio changes. If employers do not maintain the required levels of separate account assets, the Company or an affiliate of the buyer has the right to redirect the management of the related assets to provide for benefit payments. As of December 31, 2007, employers maintained assets that exceeded the benefit obligations. Benefit obligations under these arrangements were $1.8 billion as of December 31, 2007. As of December 31, 2007 approximately 75% of these guarantees are reinsured by an affiliate of the buyer of the retirement benefits business. The remaining guarantees were provided by the Company with minimal reinsurance from third parties. There were no additional liabilities required for these guarantees as of December 31, 2007. | 199 | 10K |
4961 | 472 | We write commercial insurance for various sizes of transportation fleets. Because of the number of smaller fleets nationwide, we have more opportunities to write smaller risks than larger ones. When general economic conditions improve, entrepreneurs are encouraged to start new transportation companies, which typically commence operations as a smaller risk and a potential traditional insurance customer for us. During periods of economic downturn, smaller risks are more prone to failure due to a decrease in leisure travel and consolidation in the industry. An increase in the number of larger risks results in more prospective ART insurance customers. We generally do not believe that smaller fleets that generate annual premiums of less than $75 thousand are large enough to retain the risks associated with participation in one of the ART programs we currently offer. | 133 | 10K |
5786 | 598 | Our loss ratio was 59.9% for the year ended December 31, 2019 compared to 60.2% for the year ended December 31, 2018. The slight decrease in the loss ratio for the year ended December 31, 2019 was due to lower current year catastrophe losses in 2019 compared to 2018. | 49 | 10K |
ScorSE-AR_2011 | 5,585 | This report was prepared with the contribution of the Risk Control Department, the risk management departments of the operating companies, the Group Internal Audit Department, the General Secretary’s Department and the Finance | 32 | annual_report |
Sampoplc-AR_2010 | 1,019 | Capitalization by Internal Measures Figure "Breakdown of economic capital by business areas and adjusted solvency capital, Sampo Group, 31 Dec 2010" shows the contributions of the different business areas to Sampo Group´s total economic capital as well as the diversification effect included in the calculation of Group´s economic capital. The figure also shows the amount of adjusted solvency capital on Group level. | 62 | annual_report |
PosteItalianeSpA-AR_2016 | 4,154 | In the year under review, the Company carried out the following transactions: • forward purchases with a nominal value of €875 million, including €475 million settled at 31 December 2016; • new asset swaps used as cash flow hedges with a nominal value of €100 million; • the settlement of asset swaps, used as cash flow hedges for securities sold, with a nominal value of €410 million; • new asset swaps used as fair value hedges with a nominal value of €4,525 million; • the settlement of asset swaps, used as fair value hedges for securities sold, with a nominal value of €130 million. | 104 | annual_report |
79 | 288 | On December 30, 1994, General Reinsurance Corporation ("GRC") exchanged its 50 percent partnership interest in Engineering Insurance Group to EIG Co. ("EIG"), a machinery breakdown insurer, for non-voting preferred stock in EIG having a value of $20 million. The preferred stock pays dividends at a rate of 6.5 percent per annum and matures on December 30, 2004. | 57 | 10K |
4465 | 1,599 | The change in the amount recognized in other comprehensive income is largely due to the decrease in discount rate. We assume that 100 percent of participants will choose lump sum payments. | 31 | 10K |
4386 | 589 | DAC represent the costs of acquiring new business, principally direct sales commissions and other distribution and underwriting costs that have been deferred on the sale of annuity and insurance products. These costs are deferred to the extent they are recoverable from future profits or premiums. The DAC associated with insurance or annuity contracts that are significantly modified or internally replaced with another contract are accounted for as contract terminations. These transactions are anticipated in establishing amortization periods and other valuation assumptions. | 81 | 10K |
3763 | 510 | the possibility that we will experience severe losses due to the continued deterioration in the performance of residential mortgage-backed securities (“RMBS”) and collateralized debt obligations (“CDOs”) or unanticipated losses in other sectors of the Company’s insured portfolio due to ongoing financial and economic stress; | 44 | 10K |
RaiffeisenBankInternationalAG-AR_2012 | 1,302 | These instruments are bonds, notes and other fixed-interest securities as well as shares and other variable-yield securities. These financial instruments are valued at fair value under IAS 39. In the statement of financial position, they are shown under the item “financial investments,” current income is shown under net interest income, valuation results and proceeds from disposals are shown in net income from financial investments. | 64 | annual_report |
NatixisSA-AR_2003 | 4,337 | CAISSE NATIONALE DES CAISSES D’EPARGNE ET DE PRÉVOYANCE SA F Member of Supervisory Board (resigned 18 December 2003) SEGUR GESTION SA F CDC’s permanent representative on the Board of Directors (resigned 10 January 2003) GALAXY FUND LUX CDC’s permanent representative on the Management Board (resigned 11 December 2003) | 48 | annual_report |
NatwestGroupPLC-AR_2015 | 2,504 | Total loans and advances to customers (gross) 25.3 26.4 32.1 18.6 20.5 26.7 | 13 | annual_report |
3801 | 526 | Total revenues in 2007 increased $2.8 million over 2006, of which approximately $2.3 million related to core commissions and fees revenues from an acquisition for which there were no comparable revenues in 2006. The Services Division’s net internal growth rate for core commissions and fees revenues was 1.9% in 2007, excluding the 2006 core commissions and fees revenues from acquisitions and divested business. The positive net internal growth rates from core commissions and fees revenues primarily reflect the net new business growth from our subsidiary that specializes in Medicare Secondary Payer statute compliance-related services. The commissions and fees generated by our workers’ compensation and public and quasi-public entity TPA business were essentially flat in 2007 compared with 2006. | 118 | 10K |
AegonNV-AR_2016 | 4,299 | In 2015, other movement includes the impact of the conversion of the mortgage loans in Hungary, which were formerly denominated in a foreign currency, into HUF denominated loans as required by Hungarian law. As a result of the changed conditions, the former mortgage loans were derecognized and the new mortgage loans have been subsequently recognized at fair value. | 58 | annual_report |
4004 | 1,106 | At December 31, 2009 and 2008, the Company had current assets of $2,760 and $753, respectively, recorded on its consolidated balance sheets for amounts due from the sellers of LMC Health Plans under settlement provisions included in the Stock Purchase Agreement regarding working capital and risk adjustment premiums related to the period prior to the acquisition date. | 57 | 10K |
NatixisSA-AR_2006 | 1,215 | The Remuneration Committee had four members. Its Chairman was Jean de La Chauvinière (independent director) and the other members were Stève Gentili, Vincent Bolloré (independent director) and Yvan de La Porte du Theil. | 33 | annual_report |
nl_ing_grp-AR_2017 | 5,432 | Framework Non-financial risk is the risk of financial loss, legal or regulatory sanctions, or reputational damage due to inadequate or failing internal processes, people and systems; a failure to comply with laws, regulations and standards; or external events. ING has a framework for non-financial risks that supports and governs the process of identifying, measuring, mitigating, monitoring and reporting non-financial risks. It reflects the stages described in the Enterprise Risk Management model of COSO (Committee of Sponsoring Organisations of the Treadway Commission). | 81 | annual_report |
NatwestGroupPLC-AR_2016 | 9,049 | Further losses or a failure to meet profitability targets or reduce risk-weighted assets in accordance with or within the timeline contemplated by the Group’s capital plan, a depletion of its capital resources, earnings and capital volatility resulting from the implementation of IFRS 9 as of 1 January 2018, or an increase in the amount of capital it needs to hold (including as a result of the reasons described above), would adversely impact the Group’s ability to meet its capital targets or requirements and achieve its capital strategy during the restructuring period. | 91 | annual_report |
4381 | 1,435 | The Company utilizes a third party pricing service for the valuation of the majority of its equity securities and receives one quote for each equity security. When quoted market prices in an active market are available, they are provided by the pricing service as the fair value and such values are classified as Level 1. Generally, all prices provided by the pricing service, except quoted market prices, are reported as Level 2. The Company holds certain equity securities that have been issued by privately-held entities that do not have an active market and for which the pricing service cannot provide fair values. Generally, the Company estimates fair value for these securities based on the issuer’s book value and market multiples. These securities are reported as Level 3. | 127 | 10K |
3480 | 538 | In accordance with Statement of Financial Accounting Standard No. 115, “Accounting for Certain Investments in Debt and Equity Securities,” the Company is required to classify its investments in debt and equity securities into one of three categories: held-to-maturity, available-for-sale or trading securities. | 42 | 10K |
2283 | 1,269 | Health care services and other benefits increased 16.8%, or $2,217.7 million, to $15,428.8 million for the year ended December 31, 2003 from $13,211.1 million for the year ended December 31, 2002. Excluding health care services and other benefits attributable to the acquired RightCHOICE business of $86.1 million for the month of January 2003 and acquired Cobalt business of $299.0 million for the quarter ended December 31, 2003, health care services and other benefits increased $1,832.6 million or 13.9%, on a Same-Store basis, as compared to the increase in premium revenue of 15.3%. | 92 | 10K |
5251 | 1,528 | 2015 vs. 2014: The tax benefit of $19.2 million recognized in 2015 was primarily driven by the geographical distribution of group profits and losses between taxable and non-taxable jurisdictions. In addition, there is a $59.6 million tax benefit in 2015 related to the restructuring of the U.S. operations which resulted in the release of the valuation allowance previously held against Catlin U.S. deferred tax assets. | 65 | 10K |
1304 | 149 | At December 31, 1999, 19% of our mortgage backed investment portfolio consisted of planned amortization class, target amortization class and sequential instruments, as compared with 14% at December 31, 1998. These investments are designed to amortize in a more predictable manner by shifting the primary risk of prepayment of the underlying collateral to investors in other tranches ("support classes") of the collateralized mortgage obligation. | 64 | 10K |
4624 | 1,239 | Equity securities with a fair value of $3.6 million were transferred into Level 3 during 2012, driven primarily by the nature of the quotes used at the valuation date. We review the fair values received on these non-publicly traded equity securities for reasonableness. | 43 | 10K |
5848 | 478 | Given Old Republic’s current capital and liquidity position, the Company does not currently expect to need to raise additional capital, in the form of either debt or equity, to meet expected future obligations. The Company’s nearest debt maturity is $400.0 of senior notes maturing in October 2024. Old Republic believes that it could access debt capital markets in the present environment on reasonable terms, given the Company’s current debt to total capitalization ratio of 13.5% and expected levels of operating income. | 81 | 10K |
NatixisSA-AR_2012 | 7,669 | V Price set by your Board of Directors within the limit of a minimum issue price for shares or securities giving access to share capital of: V 80% of the Reference Price* V 70% of the Reference Price* when the lock-up period defi ned in the plan is ten years or longer | 52 | annual_report |
3272 | 592 | (1) The exercise price of the options grant effective on November 27, 2002, is equal to the IPO price of our stock on that same day. The exercise price of the remaining option grants is equal to the closing price of our common stock on the grant effective date. | 49 | 10K |
4388 | 425 | Total revenue for the year ended December 31, 2011, was $34,576,701, as compared to $37,120,751 for the year ended December 31, 2010, and $41,617,106 for the year ended December 31, 2009. This represents a decrease of $2,544,050 (7%) for the 2011 year compared to the 2010 year and $4,496,355 (11%) for the 2010 year compared to the 2009 year. The Company had net income of $3,739,876 for the year ended December 31, 2011, $2,329,152, for the year ended December 31, 2010, and $2,927,375 for the year ended December 31, 2009. This represents an increase of $1,410,724 (61%) for the 2011 year compared to the 2010 year, and a decrease of $598,223 (20%) for the 2010 year compared to the 2009 year. | 121 | 10K |
SwissReAG-AR_1974 | 282 | Investment Income (less Interest on Life and Sickness Assurance and Annuity Fund and other Technical Reserves) 260 52 312 | 19 | annual_report |
de_allianz-AR_2010 | 1,000 | Changes in reserves for insurance and investment contracts (premium refunds) (181) (253) 158 Operating net investment income 3,218 3,117 3,695 1 ‘ Operating net investment income’, as defined above, includes the investment-related part (premium refunds) of ‘Change in reserves for insurance and investment contracts (net)’ and therefore differs from the ‘Operating investment result’ as shown in note 6 of our consolidated financial statements. | 63 | annual_report |
RaiffeisenBankInternationalAG-AR_2019 | 1,745 | The following exchange rates were used for currency translation: 2019 2018 As at Average As at Average Rates in units per € 31/12 1/1-31/12 31/12 1/1-31/12 | 26 | annual_report |
530 | 209 | C.M. Life's management believes it is in compliance in all material respects with all applicable laws and regulations. | 18 | 10K |
gb_prudential-AR_2013 | 1,842 | The maximum vesting under the GPSP and BUPP is 100 per cent of the original award, plus accrued dividends. | 19 | annual_report |
3712 | 989 | As noted in the preceding discussion, we have operating lease commitments and purchase obligations totaling $95.6 million and $64.8 million, respectively, at December 31, 2008. | 25 | 10K |
5098 | 1,643 | Net cash provided by financing activities was $781.8 million for the year ended December 31, 2015 compared to net cash used in financing activities in 2014 of $15.1 million. In 2015, we received proceeds of $487 million and $177 million from the issuance of common stock and preferred stock, respectively, and $285 million from the issuance of subordinated debt, which was partially offset by payments of $117 million for common and preferred stock dividends and $62 million for the settlement of convertible debt. In 2014, we paid approximately $293 million to settle repurchase agreements, approximately $68 million for preferred and common share dividends and approximately $59 million for share repurchases, which was partially offset by proceeds received of approximately $99 million and $179 million from the issuance of notes and preferred shares, respectively, as well as $120 million from borrowings under our revolving credit facility. Additionally, we received approximately $18 million from non-controlling interest capital contributions to our subsidiaries. | 159 | 10K |
AvivaPLC-AR_2006 | 948 | Around the world Aviva is committed to attracting and retaining the best talent available. We aim to engage our people in their work, achieve our ambitions and provide a great customer experience. The key to our success is great leaders, making the most of all our talents and exploiting our international opportunities. Aviva has to be a company people want to work with and our people strategy is focused on achieving that. | 72 | annual_report |
INGGroepNV-AR_2007 | 1,325 | If, in a subsequent period, the amount of the impairment loss decreases and the decrease can be related objectively to an event occurring after the impairment was recognised (such as an improvement in the debtor’s credit rating), the previously recognised impairment loss is reversed by adjusting the provision. The amount of the reversal is recognised in the profi t and loss account. | 62 | annual_report |
5877 | 694 | The Company from time to time acquires mortgage loans through participation agreements with FSNB. FSNB services the Company's mortgage loans including those covered by the participation agreements. The Company pays a .25% servicing fee on these loans and a one-time fee at loan origination of .50% of the original loan cost to cover costs incurred by FSNB relating to the processing and establishment of the loan. The Company paid $23,721 and $15,138 in servicing fees and $35,240 and $0 in origination fees to FSNB during 2020 and 2019, respectively. | 89 | 10K |
SwissLifeHoldingAG-AR_2008 | 1,376 | Total insurance liabilities with embedded derivatives not separated and fair valued 84 744 85 583 | 15 | annual_report |
1140 | 602 | (b) On May 18, 1998, U.K. Holdings completed a cash tender for the remaining $95.5 million of the Senior Notes for consideration of $111.9 million, including accrued interest. | 28 | 10K |
5907 | 948 | Available-for-Sale Securities-For bonds available-for-sale in an unrealized loss position, the Company first assesses whether it intends to sell the security or will be required to sell the security before recovery of its amortized cost basis. If either of these criteria is met, the security’s amortized cost basis is written down to fair value through income. For bonds available-for-sale that do not meet either indicated criteria, the Company evaluates whether the decline in fair value has resulted from credit events or market factors. In making this assessment, management first calculates the extent to which fair value is less than amortized cost, and then may consider any changes to the rating of the security by a rating agency, and any specific conditions related to the security. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security is compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded through income, limited to the amount fair value is less than amortized cost. Any remaining unrealized loss is recognized in other comprehensive income. | 209 | 10K |
2094 | 350 | REVIEW OF CONSOLIDATED RESULTS OF OPERATIONS - 2001 COMPARED TO 2000 | 11 | 10K |
gb_prudential-AR_2012 | 5,425 | £m £m £m £m £m £m Other £m Total £m 2011 expected free surplus generation for years 2012 to 2051 680 485 450 480 484 438 2,996 6,013 | 28 | annual_report |
NatwestGroupPLC-AR_2006 | 410 | � Ulster Bank Group is now well positioned to take advantage of existing RBS products and services and future developments on the Group’s platform. As a result of this integration, our core retail systems now support euro processing, and will be able to support any future euro-based brands. | 48 | annual_report |
5512 | 2,005 | [1]The “loss and loss expense paid ratio” represents the ratio of paid losses and loss adjustment expenses to earned premiums. | 20 | 10K |
5189 | 496 | Insurance operating expenses increased 20.6% to $105.3 million for the year ended December 31, 2015 from $87.3 million for the year ended December 31, 2014. Operating expenses and acquisition and integration expenses from the former Titan retail locations acquired on July 1, 2015 accounted for $12.0 million of the increase. There was also an increase in variable cost associated with higher PIF, primarily commissions for the sales organization. | 68 | 10K |
NatixisSA-AR_2010 | 439 | Caisse d’Epargne is also the third largest distributor of 0%-interest loans with more than 47,000 0%-interest loans distributed in 2010. | 20 | annual_report |
ScorSE-AR_2016 | 1,882 | The Group has identified the following risk categories: ●● strategic risks; ●● underwriting risks related to the P&C and Life reinsurance businesses; ●● market risks; ●● credit risks; ●● liquidity risks; ●● operational risks. | 34 | annual_report |
5064 | 618 | Policyholder benefits increased by $29 million, or 3%, to $932 million primarily driven by higher interest credited or paid to contractholders as a result of increased average liabilities partially offset by a lower crediting rate. | 35 | 10K |
NatixisSA-AR_2015 | 9,702 | V Parent company results for the last fi ve years 372 | 11 | annual_report |
RaiffeisenBankInternationalAG-AR_2006 | 121 | But this is the way that Belarusian chefs take these rare products, whose availability varies depending on the soil and weather, and transform them into tasty main courses or side dishes. They pay no attention to the clock, and there’s no real reason to, either. Diners in the know gladly wait for the aroma of draniki – little pancakes made of freshly grated potato, and fried in lard – to waft from the kitchen: it’s a sure sign that a fantastic meal is about to be served. | 87 | annual_report |
5396 | 1,028 | In May 2015, the FASB issued ASU 2015-08, Business Combinations (Topic 805): Pushdown Accounting-Amendments to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115 (SEC Update). ASU 2015-08 removes references to the SEC’s SAB Topic 5.J on pushdown accounting from ASC 805-50. The Commission’s Staff Accounting Bulletin, "SAB" 115 had superseded the guidance in SAB Topic 5.J in connection with the FASB’s November 2014 release of ASU 2014-17. The amendments in ASU 2015-08 therefore conform to the FASB’s guidance on pushdown accounting with the SEC’s. The amendments were effective upon issuance (May 12, 2015). The adoption of this standard did not have a material impact on the Company's consolidated financial statements. | 111 | 10K |
Sampoplc-AR_2004 | 1,910 | The contact information for subsidiaries providing banking and long-term savings services is also available in the Annual Report part for ‘Banking and Long-term Savings’. | 24 | annual_report |
AdmiralGroupPLC-AR_2010 | 584 | • The Group’s capital structure • Results and fi nancial reporting • The maintenance and review of the system of internal control and risk management • The Group’s overall risk appetite • Changes to the structure, size and composition of the Board, including new appointments • Succession plans for the Board and senior management • Annual review of its own performance and that of its Board Committees • Key business policies in relation to health and safety and environmental matters • Dividend policy and proposals for dividend payments • Major acquisitions, disposals, and other transactions outside delegated limits • Review of the Group’s overall corporate governance arrangements | 107 | annual_report |
904 | 189 | The Company's plan to resolve the Year 2000 Issue involves the following four phases: assessment, remediation, testing and implementation. To date, the Company has completed is assessment of all mission critical systems and continues to evaluate the needs to repair or replace non mission critical systems. The | 47 | 10K |
5625 | 1,267 | In conducting our assessment of the effectiveness of its internal control over financial reporting, we have excluded 21 of the 48 entities acquired in 2018, which are included in our 2018 consolidated financial statements. Collectively, these acquired entities constituted approximately 0.6% of total assets as of December 31, 2018, approximately 0.2% of total revenues, and approximately 0.1% of net earnings for the year then ended. | 65 | 10K |
543 | 723 | The Company has operating leases, some of which provide for initial free rent and all of which provide for subsequent rent increases. Rental expense is recognized on a straight-line basis with rental expense of $2.4 million, $2.5 million and $2.7 million reported for the years ended December 31, 1996, 1995 and 1994, respectively. Sublease rental revenue of $72,000 and $251,000 is reported for the years ended December 31, 1995 and 1994, respectively. | 72 | 10K |
4613 | 1,136 | government-sponsored water utility. The Company is closely monitoring the ability and willingness of these obligors to make timely payments on their obligations. | 22 | 10K |
AvivaPLC-AR_2016 | 4,148 | Financial liabilities Non-participating investment contracts-restated2 (note 41 (a)) 114,527 114,527 103,034 103,034 Net asset value attributable to unitholders 15,638 15,638 11,415 11,415 Borrowings1 (note 49 (a)) 10,926 10,295 9,091 8,770 Derivative liabilities (note 57 (b)) 6,795 6,795 3,881 3,881 1 Within the fair value total, the estimated fair value has been provided for the portion of loans and borrowings that are carried at amortised cost as disclosed in note 22 (h). 2 Following a correction to accounting and modelling for annual management charge rebates in UK Life, prior year comparatives have been restated. See note 1 for further details. | 99 | annual_report |
5077 | 1,470 | Certain products included in the Retirement and International Insurance segments are experience-rated in that investment results associated with these products are expected to ultimately accrue to contractholders. The majority of investments supporting these experience-rated products are classified as trading and are carried at fair value. These trading investments are reflected on the statements of financial position as “Trading account assets supporting insurance liabilities, at fair value” (“TAASIL”). Realized and unrealized gains (losses) for these investments are reported in “Other income.” Interest and dividend income for these investments is reported in “Net investment income.” To a lesser extent, these experience-rated products are also supported by derivatives and commercial mortgage and other loans. The derivatives that support these experience-rated products are reflected on the statement of financial position as “Other long-term investments” and are carried at fair value, and the realized and unrealized gains (losses) are reported in “Realized investment gains (losses), net.” The commercial mortgage and other loans that support these experience-rated products are carried at unpaid principal, net of unamortized discounts and an allowance for losses, and are reflected on the statements of financial position as “Commercial mortgage and other loans.” Gains (losses) on sales and changes in the valuation allowance for commercial mortgage and other loans are reported in “Realized investment gains (losses), net.” | 215 | 10K |
AssicurazioniGeneraliSpA-AR_2018 | 1,169 | Numerator 017 Claims incurred, net of recoveries and reinsurance 799,384 019 Premium refunds and profit sharing, net of reinsurance 41 | 20 | annual_report |
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