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
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4082 | 1,733 | Over time the data inputs change as new sources become available, existing sources are discontinued or are no longer considered to be reliable or the most appropriate. It is always the Company’s objective to move to higher levels on the hierarchy, but the Company sometimes moves to lower priority inputs because of disc... | 118 | 10K |
5150 | 653 | The overall U.S. economic environment continued improving during 2015 by a number of measures. The U.S. Department of Commerce Bureau of Economic Analysis reported that gross domestic product increased 2.4% during 2015. According to the U.S. Bureau of Labor Statistics ("BLS"), the estimated unemployment rate fell to 5.... | 136 | 10K |
NatwestGroupPLC-AR_2013 | 6,101 | Super senior CDO - the most senior class of instrument issued by a CDO vehicle. They benefit from the subordination of all other instruments, including AAA rated securities, issued by the CDO vehicle. | 33 | annual_report |
HiscoxLtd-AR_2009 | 433 | The Board retains ultimate authority for high level strategic and management decisions including: setting Group strategy, approving significant mergers or acquisitions, approving the financial statements, declaration of the interim dividends and recommendation of the final dividend, approving Group business plans and b... | 111 | annual_report |
LloydsBankingGroupPLC-AR_2014 | 5,624 | Trading and other financial assets at fair value through profit or loss 16,803 6,673 10,832 927 | 16 | annual_report |
2889 | 1,572 | A number of proposals to modify Superfund have been made by various parties. However, no modifications were enacted by Congress during 2005, and it is unclear what positions Congress or the Administration will take and what legislation, if any, will result in the future. If there is legislation, and in some circumstanc... | 121 | 10K |
fr_axa-AR_2009 | 9,096 | These amounts are subject to adjustment to refl ect the impact of certain capital transactions, including, but not limited to: capital increases, free allotments of stock, stock splits or similar transactions. | 31 | annual_report |
2152 | 573 | litigated in Continental Insurance Co., et al. v. Honeywell International Inc., No. MRS-L-1523-00 (Morris County, New Jersey). | 17 | 10K |
4639 | 772 | Medicare Advantage Rates and Minimum Loss Ratios. Medicare Advantage pricing benchmarks have been cut over the last several years and additional cuts were implemented in 2012, with changes to continue to be phased in over the next one to five years (benchmarks will ultimately range from 95% of Medicare fee-for-service ... | 150 | 10K |
gb_prudential-AR_2008 | 3,815 | Equity carried forward at 31 December 2008 477 *Comprising £66 million for solvency capital and £27 million for business development. | 20 | annual_report |
62 | 133 | The Company targets markets that it believes are underserved by other insurance companies. It has a decentralized operating structure and utilizes distinct distribution systems to access each of its targeted markets and to provide timely, individualized service to its customers. The Company emphasizes the sale of marke... | 94 | 10K |
PosteItalianeSpA-AR_2020 | 6,850 | At 31 December 2020, outstanding liabilities of €14,711 million relate to repurchase agreements entered into by the Company with major financial institutions and Central Counterparties, amounting to a total nominal value of securities committed for €13,456 million. €7,083 million of this amount regards Long Term Repos ... | 149 | annual_report |
5731 | 1,911 | An increase in the weighted average cost of capital would result in an increase in the fair value of the liability for losses and LAE and reinsurance balances recoverable on paid and unpaid losses. Conversely, a decrease in the weighted average cost of capital would result in a decrease in the fair value of the liabili... | 69 | 10K |
DirectLineInsuranceGroupPLC-AR_2013 | 2,940 | The weighted average share price during the period of exercise was £2.17 in the year ended 31 December 2013 (2012: not applicable). | 22 | annual_report |
2042 | 1,000 | Approximately 93% of the fixed maturities held by AFC were rated "investment grade" (credit rating of AAA to BBB) by nationally recognized rating agencies at December 31, 2002. Investment grade securities generally bear lower yields and lower degrees of risk than those that are unrated or noninvestment grade. Managemen... | 64 | 10K |
4922 | 1,357 | Development of Estimated Reserves for Property and Casualty Loss and Loss Expenses | 12 | 10K |
1726 | 874 | The Hartford continues to receive claims that assert damages from environmental exposures and for injuries from asbestos and asbestos-related products, both of which affect the Property & Casualty operation. Environmental claims relate primarily to pollution and related clean-up costs. With regard to these claims, unce... | 268 | 10K |
nl_ing_grp-AR_2018 | 3,776 | Loans and advances to customers –394 137 35 24 –1 2 –198 | 12 | annual_report |
5831 | 1,523 | •our expectations about future results of our underwriting, investing, Markel Ventures and other operations are based on current knowledge and assume no significant man-made or natural catastrophes, no significant changes in products or personnel and no adverse changes in market conditions; | 41 | 10K |
1301 | 370 | For 2000, the Company continues to pursue ways to improve its underwriting processes and oversight in both risk and management services products with the objective of increasing premium yields and profitable growth in its markets. The Company's migration of certain of its operating activities (e.g., customer service, c... | 163 | 10K |
2789 | 718 | The average account value of annuity contracts in force, which increased due to increases in premiums collected as summarized in the “Other data” table above, totaled $4,637.6 million for 2005, $3,762.0 million for 2004 and $2,959.4 million for 2003. These account values include values relating to index contracts total... | 62 | 10K |
ch_zurich_insurance_group-AR_2008 | 1,736 | The net loss deferred in shareholders’ equity on derivatives designated as cash fl ow hedges was USD 107 million and USD 144 million before tax for the years ended December 31, 2008 and 2007, respectively. During 2008, the portion recognized in income was a loss of USD 54 million and a gain of USD 111 million before ta... | 111 | annual_report |
NatixisSA-AR_2002 | 175 | Bank for less than five years.Currently, a quarter of the Bank’s people are under 35, and 40% are under 40. A comprehensive set of procedures has also been set up for new hires, including induction courses, welcome packs and CD-Roms, enabling new recruits to swiftly find their feet and grasp the way their new company w... | 56 | annual_report |
DirectLineInsuranceGroupPLC-AR_2016 | 1,790 | Relative TSR test – upper quintile – 100% vesting 2015 – updated 2016 – estimated 2016 – estimated | 18 | annual_report |
LloydsBankingGroupPLC-AR_2018 | 4,659 | Total income, net of insurance claims 17,267 384 (212) – 17,439 | 11 | annual_report |
4396 | 648 | Operating gain decreased $478.2 to an operating loss of $8.8 in 2010, primarily due to the sale of the PBM business on December 1, 2009 and higher unallocated operating expenses. | 30 | 10K |
fr_axa-AR_2017 | 5,244 | The assumptions for each of the liabilities are consistent with the economic features of the corresponding countries’ plans. The weighted-average financial assumptions used by AXA for pension plans in the principal regions in which AXA operates were as follows: DECEMBER 2017 ASSUMPTIONS | 42 | annual_report |
RaiffeisenBankInternationalAG-AR_2007 | 2,367 | Own funds requirement for the trading book according to Sec. 22b (1) BWG 146,236 136,542 | 15 | annual_report |
1089 | 1,277 | s/CARL H. LINDNER Chairman of the Board March 30, 1999 Carl H. Lindner of Directors | 15 | 10K |
3012 | 472 | Accounting for Participating Individual Life Insurance: Participating policies issued by one of our subsidiaries prior to its 1986 conversion from a mutual to a stock life insurance company will remain participating as long as the policies remain in force. A Participation Fund Account (PFA) was established for the bene... | 119 | 10K |
AegonNV-AR_2013 | 165 | In accordance with Solvency II requirements, Aegon has set up risk management processes and governance structures. | 16 | annual_report |
gb_prudential-AR_2011 | 3,105 | a Fair value of available-for-sale securities as a percentage of book value The following table shows the fair value of the debt securities in a gross unrealised loss position for various percentages of book value at 31 December: Fair value Unrealised loss Fair value Unrealised loss | 46 | annual_report |
Sampoplc-AR_2005 | 732 | Sampo Life aims at giving a total return before charges and taxes on policyholders ’ savings in contracts with DPF that is at least the yield of a Finnish government long-term bond. The total return consists of the guaranteed interest rate and bonuses determined annually. As for the level of the total return, continuit... | 87 | annual_report |
3408 | 834 | During 2002 and 2001, the Company offered loans to certain employees for the sole purpose of purchasing the Company’s Class B common stock in the open market. Principal and interest totaling $2,228 and $2,343 relating to such loans was outstanding at December 31, 2007 and 2006, respectively. Loans carry interest rates ... | 97 | 10K |
5866 | 2,570 | Shares for both options outstanding and exercisable have no aggregate intrinsic value. | 12 | 10K |
ScorSE-AR_2018 | 2,664 | Net gains/(losses) on cash flow hedge - - - 3 - - - - 3 | 15 | annual_report |
4911 | 1,674 | In addition to reserving actions, we have made significant changes to the ongoing environmental business included in Commercial Insurance with the goal of ensuring that the current policies are being written to earn an appropriate risk adjusted profit. Underwriting guidelines have been revised to no longer cover known ... | 113 | 10K |
GjensidigeForsikringASA-AR_2014 | 639 | An attractive share The Gjensidige share yielded a total return for the shareholders of 21.6 per cent in 2014. The average number of shares traded daily on Oslo Stock Exchange was around 500,000, and the share is among the 25 most liquid shares listed on Oslo Stock Exchange. In addition, a substantial number of shares ... | 79 | annual_report |
ch_zurich_insurance_group-AR_2007 | 3,228 | • In the UK, the level of frictional costs however reduced as a result of the reinsurance of a major part of its closed book of annuity business and a reduction in the corporate tax rate from 2008 onwards. | 39 | annual_report |
2538 | 884 | On June 30, 2003, the Company awarded 605,000 restricted share units to employees of the Company. The restricted share units are exercisable for common shares without payment of cash consideration and vest over periods ranging from 68 months to 95 months. No restricted share units were awarded in 2002. | 49 | 10K |
2139 | 702 | - the elimination of $5.9 million deferred acquisition cost (DAC) asset on all products of United Benefit Life and Provident American Life; and | 23 | 10K |
SwissReAG-AR_2015 | 2,617 | FInanCIaL STaTEMEnTS notes to the Group financial statements 200 Swiss Re 2015 Financial Report | 14 | annual_report |
1443 | 378 | Our operations to date have not been profitable. As of December 31, 2000, we had an accumulated deficit of $17.8 million. We expect to continue operating at a loss during the current fiscal year as we implement our new business plan. These losses are primarily attributable to costs associated with scaling up Sunteck's ... | 72 | 10K |
1051 | 277 | (A) Net income for 1998 was reduced by $1.1 million which represents the cumulative effect (net of tax) of an accounting change for guaranty fund assessments due to the adoption of the American Institute of Certified Public Accountants' Statement of Position 97-3. The cumulative effect reduced net income per share of c... | 60 | 10K |
PhoenixGroupHoldingsPLC-AR_2015 | 1,823 | Amortisation: Amortisation of acquired in-force business (98) – – – – (98) | 12 | annual_report |
3296 | 1,189 | Acquisition costs. Acquisition costs were $(1.2) million for the year ended December 31, 2007 compared to $(0.1) million for the year ended December 31, 2006 and $0.1 million for the year ended December 31, 2005. The acquisition costs are net of ceding commissions associated with premiums ceded to our quota share partn... | 82 | 10K |
nl_ing_grp-AR_2018 | 6,079 | Adverse developments in the market have included, for example, decreased liquidity, increased price volatility, credit downgrade events, and increased probability of default for fixed income securities. In addition, the confluence of these and other factors has resulted in volatile foreign exchange markets. Securities ... | 126 | annual_report |
AdmiralGroupPLC-AR_2006 | 803 | Under / (over) provision relating to prior periods – deferred tax 87 (634) | 13 | annual_report |
ScorSE-AR_2020 | 5,733 | In 2020, currency forward purchases and sales generated unrealized profits of EUR 36 million. | 14 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2005 | 1,899 | Where unrealised losses on securities available for sale are recognised in equity (see “other securities available for sale”), the resulting deferred tax assets are recorded but not recognised in income. Deferred tax assets are reversed if a realisation of the corresponding receivable is not probable. | 45 | annual_report |
3419 | 1,159 | The following table presents the notional amount and current market or fair value of derivative financial instruments held at: | 19 | 10K |
de_allianz-AR_2015 | 2,782 | As of 31 December 2015, the net carrying amount of the finance lease obligation, which is included in other liabilities, amounted to € 111 mn. Gross minimum lease payments were reduced by imputed interest in the amount of € 890 mn to receive the present value of minimum lease payments. The underlying contract expires a... | 59 | annual_report |
HelvetiaHoldingAG-AR_2011 | 565 | Our investment policy focusing on sustainable and stable results and the preservation of capital proved its mettle once again in a volatile market environment. ‹ | 25 | annual_report |
3769 | 633 | The estimated Ultimate Loss and Defense & Cost Containment Expense (“DCCE”) is based on an analysis by line of business, coverage and by accident quarter performed using data as of December 31, 2008. The analysis relies primarily on four actuarial methods: Incurred Loss & DCCE Development Method, Paid Loss & DCCE Devel... | 86 | 10K |
522 | 222 | On November 1, 1996, the Company acquired 80% of the outstanding stock of CRM, Inc. ("CRM") for a purchase price of $3.5 million, $1.0 million in cash and 173,790 shares, $2.5 million, of the Company's Common Stock. CRM provides real estate information services with a heavy concentration in the areas of tax services an... | 112 | 10K |
1903 | 651 | Due to the numerous factors influencing this liability, the Company develops a series of estimates based upon generally accepted actuarial projection methodologies using various scenarios with respect to claim submission and payment patterns and cost trends. The Company's policy is to record management's best estimate ... | 117 | 10K |
2093 | 681 | The Company is a party to lawsuits arising from its AIF relationships. The Company is also party to lawsuits arising from its other normal business activities. These actions are in various stages of discovery and development, and some seek punitive as well as compensatory damages. In the opinion of management, the Comp... | 141 | 10K |
2261 | 702 | Individual life primarily offers level premium term life insurance, universal life insurance and related products. Single premium immediate annuities as well as structured settlement annuities are also offered. | 28 | 10K |
SwissReAG-AR_1998 | 525 | III Total result 1. Technical result 2. Non-technical result 3. Profit before tax 4. Tax | 15 | annual_report |
NatwestGroupPLC-AR_2014 | 8,484 | IASB and are presented in accordance with the Companies Act 2006. | 11 | annual_report |
4644 | 1,074 | estimates and judgments are reviewed and may be revised. Significant assumptions made in estimating claim reserves for long-term care policies include expectations about the: (i) future duration of existing claims; (ii) cost of care and benefit utilization; (iii) interest rate utilized to discount claim reserves; (iv) ... | 91 | 10K |
StandardLifeAberdeenPLC-AR_2020 | 2,368 | Profit/(loss) before tax expense 838 (15) 823 243 56 299 Tax credit/(expense) attributable to | 14 | annual_report |
AegonNV-AR_2011 | 6,273 | NET INCREASE / (DECREASE) IN CASH AND CASH EQUIVALENTS (214) (2) 2,761 – 2,545 | 14 | annual_report |
5214 | 1,250 | Consolidated Statements of Earnings for the years ended December 31, 2016, 2015, and 2014 | 14 | 10K |
gb_prudential-AR_2010 | 1,528 | Prudential’s TSR performance over the performance period is compared with the TSR performance of an index composed of 10 international insurers (see box below). This performance measure was selected because it focuses on the value delivered to shareholders. TSR is measured on a local currency basis since this has the b... | 57 | annual_report |
NatixisSA-AR_2014 | 293 | European asset management companies at end-2014 (assets under management in billions of euros): R Natixis Asset Management (€304.9 billion): fi xed income, European equities, investment and client solutions, volatility and structured products, global emerging and responsible investing; R AEW Europe (€16 billion) real e... | 71 | annual_report |
4774 | 2,313 | Management in its judgment concluded that a full valuation allowance was required for the net deferred tax assets after its consideration of the cumulative three-year pre-tax loss in its U.S. taxed subsidiaries resulting from certain 2013 events and the 2012 pre-tax loss of $61.0 million. In 2013, Tower had $325.6 mill... | 134 | 10K |
ScorSE-AR_2014 | 4,189 | (1) The Company did not hold any cross shareholding in 2014 | 11 | annual_report |
AegonNV-AR_2016 | 4,464 | Aegon’s life reinsurance business from Transamerica Reinsurance (TARe) to SCOR, completed on August 9, 2011. The divestment of | 18 | annual_report |
SwissLifeHoldingAG-AR_2010 | 525 | – Life and pension business in Germany – Life and pension business in Luxembourg, Liechtenstein, and Singapore (together referred to as Insurance Other) | 23 | annual_report |
StandardLifeAberdeenPLC-AR_2013 | 14 | 15.8 pence per share Full year dividend (subject to shareholder approval) | 11 | annual_report |
ScorSE-AR_2020 | 1,757 | The Partners are executives, managers, key experts, and high potential employees formally identified across the Group. Partners are given specific responsibilities in terms of significant achievements, management of high impact projects for the Group and/or leadership roles. Therefore, they benefit from specific benefi... | 67 | annual_report |
gb_lloyds_banking_grp-AR_2008 | 2,594 | We planned and performed our audit so as to obtain all the information and explanations which we considered necessary in order to provide us with sufficient evidence to give reasonable assurance that the consolidated financial statements are free from material misstatement, whether caused by fraud or other irregularity... | 70 | annual_report |
4148 | 1,546 | The carrying values of the payables for collateral on investments (in millions) and the fair value of the related investments included on our Consolidated Balance Sheets consisted of the following: | 30 | 10K |
de_allianz-AR_2008 | 2,886 | IAS 28 Certain disclosures are required when investments in associates are accounted for at fair value through profit or loss. For the purpose of testing an investment in an associate for impairment, the investment is considered a single asset. Therefore, any impairment is not separately allocated to goodwill included ... | 52 | annual_report |
AvivaPLC-AR_2016 | 1,969 | Andy Briggs 29 Mar 2016 LTIP 225% £1,556,714 20% 100% 31 Dec 2018 21 Mar 2021 | 16 | annual_report |
3274 | 1,360 | (2) Prior periods adjusted to reflect the operations of our Canadian subsidiary as discontinued operations. | 15 | 10K |
DirectLineInsuranceGroupPLC-AR_2012 | 721 | Acting responsibly One of the most exciting elements of building a new corporate brand is being able to take a fresh look at everything we do | 26 | annual_report |
4326 | 926 | The Company performed an evaluation of subsequent events through the date the financial statements were issued and determined there were no recognized or unrecognized subsequent events that would require an adjustment or additional disclosure in the consolidated financial statements as of December 31, 2010 except for t... | 48 | 10K |
gb_prudential-AR_2012 | 535 | Note Gross and net investment fl ows exclude Eastspring Money Market Funds, that had net outfl ows of £226 million in 2012 (2011: net outfl ows £512 million). | 28 | annual_report |
fr_axa-AR_2018 | 826 | Gross revenues increased by €65 million (+1%) to €10,738 million. On a comparable basis, gross revenues increased by €104 million (+1%): ■ Property & Casualty (€+128 million or +3%) to €4,006 million. On a comparable basis, Property & Casualty gross revenues increased by €76 million (+2%) driven by Personal lines (€+63... | 151 | annual_report |
INGGroepNV-AR_2017 | 2,030 | Investments and advances: – associates and joint ventures –79 –49 –40 | 11 | annual_report |
NatixisSA-AR_2014 | 307 | Net infl ows from US companies reached a record high of $36.1 billion. Recording the largest infl ows were Loomis and Sayles (bonds and equities) with $25.8 billion and Harris Associates (equity products) with $12.6 billion. In addition, among the smaller affi liates, Vaughan Nelson IM returned to growth and Alpha Simp... | 61 | annual_report |
3021 | 2,918 | Historically, SICO’s Board of Directors could elect to pay a participant cash in lieu of shares of AIG common stock. On December 9, 2005, SICO notified participants that essentially all subsequent distributions would be made only in shares, and not cash. As of that date, AIG modified its accounting for the SICO Plans f... | 89 | 10K |
AegonNV-AR_2008 | 1,908 | Consolidated statement of changes in equity of AEGON Group for the year ended December 31, 2008 | 16 | annual_report |
HelvetiaHoldingAG-AR_2016 | 1,895 | Year of loss occurrence before 2007 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Total in CHF million | 20 | annual_report |
ScorSE-AR_2016 | 4,242 | ●● The Consolidation, Systems and Process and Pillar 3 Departments play a major role in both internal management reporting and external reporting, and the analysis thereof. | 26 | annual_report |
NatixisSA-AR_2013 | 3,319 | Sureties and Financial Guarantees generated revenue of €320 million, up 42% year-on-year, thanks in large part to the persistently active individual customers market, with the milestone of €250 million in revenue reached (i.e. +61% yearon -year). | 36 | annual_report |
2266 | 309 | No tax provision for federal income taxes was recorded during the fiscal year ended May 31, 2003, as the $7.7 million non-operating gain specific to the IRS settlement is non-taxable. Additionally, management has determined that a valuation allowance at May 31, 2003 and 2002, was necessary to fully offset any deferred ... | 60 | 10K |
de_allianz-AR_2012 | 3,140 | Health Germany mCev: eur swap curve minus 10 bps credit risk adjustment plus 33 bps illiquidity premium | 17 | annual_report |
5003 | 1,085 | National seeks to generate shareholder value through appropriate risk adjusted pricing; however, current market conditions and the competitive landscape may limit National’s new business opportunities and its abilities to price and underwrite risk with attractive returns. Refer to “Risks and Uncertainties” below for a ... | 53 | 10K |
NatwestGroupPLC-AR_2012 | 929 | Total interest receivable of the banking business UK (751) (229) (980) (749) (167) (916) | 14 | annual_report |
SwissReAG-AR_1978 | 69 | In the business year 1978/79, the premium volume in Swiss francs rose despite lower exchange rates for almost all foreign currencies. Non-Life reinsurance produced a smaller loss than in the previous year. The profit shown by Life reassurance was rather less than in 1977/78. Together the reinsurance result was Sw. frs.... | 106 | annual_report |
251 | 278 | We have additional potential asbestos exposure on insureds for which we wrote excess liability coverages. Such exposure has increased due to the erosion of much of the underlying limits. The number of claims against such insureds and the value of such claims have increased in recent years due in part to the non-viabili... | 56 | 10K |
3828 | 600 | At this time, we are facing two particularly significant challenges, which we believe are shared by the other participants in our industry: | 22 | 10K |
nl_ing_grp-AR_2012 | 5,408 | Maximum Exposure to Credit Risk per 31 December 2012 Cover Values* Cover Values Cover Values Cover Values | 17 | annual_report |
AssicurazioniGeneraliSpA-AR_2015 | 4,658 | The operating experience variances included in the operating EV earnings amount to 32mln, as a combined effect of surrenders (+30mln), mortality and morbidity (+11mln) partially offset by higher expenses (-9mln) basically in Czech Republic. | 34 | annual_report |
StorebrandASA-AR_2019 | 3,146 | Paper use: Consumption of office paper (copy- and bond paper), envelopes, advertising, including externally reprinted and regulatory letter attachments in Kg per full time employee in Norwegian and Swedish operations. | 30 | annual_report |
4655 | 1,848 | CNA’s domestic insurance subsidiaries are subject to risk-based capital requirements. Risk-based capital is a method developed by the NAIC to determine the minimum amount of statutory capital appropriate for an insurance company to support its overall business operations in consideration of its size and risk profile. T... | 135 | 10K |
CNPAssurancesSA-AR_2010 | 723 | A company must reflect the society around it. Our human resources policy strongly supports two main priorities, which are to promote diversity and help employees advance as far as possible along their career paths. Increasing diversity has been a top priority of our human resources policy for many years. We see diversi... | 266 | annual_report |
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