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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4756 | 1,830 | Net deposits and our life insurance in-force increased primarily attributable to growth of these products in 2012. Sales increased from the introduction of new products in 2011. | 27 | 10K |
SwissReAG-AR_2013 | 2,060 | acquired present value of future profits the acquired present value of future profits (pVfp) of business in force is recorded in connection with the acquisition of life and/or health business. the initial value is determined actuarially by discounting estimated future gross profits as a measure of the value of business... | 190 | annual_report |
HelvetiaHoldingAG-AR_2012 | 1,146 | Profit or loss for the period 139.5 155.2 180.6 135.5 22.1 – 0.8 0.0 0.0 342.2 289.9 1 Adjustments of prior-year figures, see section 2.3 on page 98. | 28 | annual_report |
PosteItalianeSpA-AR_2018 | 3,013 | In determining whether credit risk has increased significantly, it is necessary to compare the risk of default of the financial instrument as at the reporting date with the risk of default of the financial instrument on initial recognition. However, there is a rebuttable default presumption if the financial instrument ... | 118 | annual_report |
gb_prudential-AR_2001 | 537 | Service Contracts of Directors Proposed for Election or Re-election Clark Manning and Mark Wood, who are proposed for election, and Mark Tucker, who is proposed for re-election, have service contracts of 12 months. Ann Burdus and Rob Rowley, who are proposed for re-election, do not have service contracts. | 48 | annual_report |
2831 | 1,025 | The decrease in other benefits and claims primarily reflects lower guaranteed minimum death benefit (GMDB) costs in 2004. GMDB exposure declined from the average levels experienced in 2003. This exposure moderated due to the general upward trends of the equity markets in 2004 and resulted in reduced benefit payments an... | 55 | 10K |
1879 | 308 | Unifax began producing commercial liability insurance policies in California for non-affiliated insurance companies in 1999. Unifax received a commission from the insurance company based on premium written and a service fee from the policyholder. Effective December 2001 the Company discontinued the program. The Company... | 100 | 10K |
5781 | 912 | There were no changes to the Company's valuation methodology and the Company is not aware of any events or circumstances that would have a significant adverse effect on the carrying value of its assets and liabilities measured at fair value as of December 31, 2019 and 2018. There were no transfers between the fair valu... | 67 | 10K |
StorebrandASA-AR_2009 | 837 | The Norwegian Parliament passed a new individual pension saving law in June. Storebrand’s | 13 | annual_report |
5369 | 1,073 | The investment operations segment, managed by Stateco, provides investment services and is evaluated based on investment returns of assets. Asset information by segment is not reported for the insurance segments because the Company does not produce such information internally. | 39 | 10K |
5319 | 1,657 | Includes $300 million of Senior Notes due 2019 that may be redeemed, in whole or part at any time prior to maturity. | 22 | 10K |
AdmiralGroupPLC-AR_2011 | 249 | To better understand and address the above claims experience, management has undertaken various actions including: • Detailed claims review (including additional independent actuarial analysis and independent expert reviews of higher value claims files) | 33 | annual_report |
TopdanmarkAS-AR_2015 | 1,229 | With effect from 1 January 2016, the Executive Order on Financial Reports for Insurance Companies and Multiemployer Occupational Pension Funds has been amended to comply with the European solvency rules, Solvency II, which took effect on 1 January 2016. | 39 | annual_report |
SwissLifeHoldingAG-AR_2009 | 1,903 | MORBIDITY AND DISABILITY — For the individual and group life business in Switzerland internal tables are in place. In the individual life business, the internal disability rates are based on the Swiss Insurance Association statistics and reflect the average situation of the past in the Swiss market. In the individual l... | 91 | annual_report |
2695 | 1,069 | Revenues from the segment’s individual annuity business increased $402 million, from $744 million in 2002 to $1.146 billion in 2003, which included revenues of $416 million from American Skandia. Revenues of the segment’s individual annuity business, excluding American Skandia, declined $14 million, from $744 million i... | 85 | 10K |
PosteItalianeSpA-AR_2019 | 3,597 | The Group avails itself of the option granted by the principle of non-application of the new provisions to short-term contracts (with a duration of no more than twelve months) and to contracts in which the individual underlying asset is of low value (up to $5,000); for these contracts, the Group continues to adopt IAS ... | 75 | annual_report |
5782 | 1,363 | Derivatives are designed to reduce risk on an economic basis while minimizing the impact on financial results. The Company’s derivatives programs vary depending on the type of risk being hedged. See Note 4 of the Notes to the Consolidated Financial Statements for: | 42 | 10K |
4127 | 812 | (g) Unearned Premiums - Unearned premium reserves are generally calculated by application of pro-rata factors to premiums in force. At December 31, 2009 and 2008, unearned premiums consisted of the following: | 31 | 10K |
4461 | 435 | Our specialty property and casualty insurance companies are licensed in all 50 states, the District of Columbia and the Cayman Islands. We generate underwriting profits by providing what we view as specialized insurance products, services and programs not generally available in the marketplace. While many companies wri... | 232 | 10K |
RaiffeisenBankInternationalAG-AR_2018 | 1,851 | The reclassifications column relates to changes in impairment losses due to differences in the scope of IFRS 9 compared to IAS 39. The decrease in impairment losses of € 20,168 thousand due to reclassifications is on the one hand due to reversals of impairment on loans and receivables (€ 23,353 thousand) which have to ... | 95 | annual_report |
5178 | 1,143 | As of December 31, 2015, 2014 and 2013, the Company had no unrecognized tax benefits, and none which if recognized would affect the effective tax rate. The Company does not currently anticipate significant changes in the amount of unrecognized income tax benefits during the next twelve months. | 47 | 10K |
ch_zurich_insurance_group-AR_2017 | 1,226 | USD 2.1 million in 2017 and USD 1.2 million in 2016. Since the contributions are based on full earnings, whereas benefits are capped, there is no direct correlation between the costs paid to the social security system and the benefits received by the executives. | 44 | annual_report |
gb_prudential-AR_2017 | 130 | 15 Source: World health Organisation ‑ Global Health Observatory data repository (2013). Out of pocket as percentage of total health expenditure. | 21 | annual_report |
LloydsBankingGroupPLC-AR_2016 | 1,350 | A copy of the Board Diversity Policy is available on our website at www.lloydsbankinggroup.com/responsible-business and information on Board diversity can be found on page 54. | 25 | annual_report |
2241 | 1,949 | Here are the quality ratings of our mortgage-backed securities portfolio at year-end 2003: | 13 | 10K |
4699 | 2,509 | As a result of discussions with the IRS Appeals Office during the third quarter of 2013, AFG believes it is reasonably possible that its liability for uncertain tax positions may be reduced by up to the full $19 million balance due to a settlement with the IRS that is expected to become final in 2014. The majority of t... | 165 | 10K |
INGGroepNV-AR_2018 | 1,543 | Eric Boyer de la Giroday is not considered independent because of his former position as Chairman of the Board of Directors of ING Belgium S.A./N.V. and his former positions as member of the | 33 | annual_report |
GjensidigeForsikringASA-AR_2016 | 425 | We have funded and contributed to several studies of how this will affect Norway, and how well-prepared Norwegian society is for a ‘wilder and wetter’ climate. Together with other major insurance companies in the Nordic region, we have funded the development of the climate tool ‘VisAdapt’, which can help home owners an... | 68 | annual_report |
fr_axa-AR_1999 | 1,638 | A c q u i s i t i o n s a n d I n v e s t m e n t s | 26 | annual_report |
de_allianz-AR_2008 | 4,247 | 3) In addition, the Allianz Group paid � 249 mn (2007: � 370 mn) directly to plan participants. | 18 | annual_report |
PosteItalianeSpA-AR_2020 | 10,818 | The proposed Risk Appetite Framework for the year 2021: • assumes an increase in BancoPosta's equity of €300 million, to be achieved in the course of 2021 through ordinary measures - starting with a €50 million allocation to reserves of a portion of the profits generated by BancoPosta in 2020 - and further capital inje... | 56 | annual_report |
PhoenixGroupHoldingsPLC-AR_2019 | 547 | Workforce that is of Black, Asian or Minority Ethnic (‘BAME’) background 2072 1413 1 Figures do not include workforce based in Germany/Austria� | 22 | annual_report |
3648 | 1,672 | Policyholder benefits and claims increased by $114 million. This was primarily due to unfavorable equity market performance during the current year, which resulted in higher guaranteed annuity benefit costs net of related hedging results of $113 million and higher amortization of sales inducements of $69 million. These... | 80 | 10K |
NatwestGroupPLC-AR_2015 | 991 | The 2015 performance evaluation was independently facilitated by Condign Board Consulting Limited, a specialist board evaluation consultancy. The Committee has considered and discussed the outcomes of this evaluation. | 28 | annual_report |
4654 | 1,474 | On December 26, 2012, the Registrant purchased 110,988 shares of its common stock from certain Molina family trusts for an aggregate purchase price of $3.0 million. This purchase transaction was approved by the Registrant's board of directors. The shares were purchased at a price of $27.03, representing the closing pri... | 136 | 10K |
2803 | 423 | The maximum number of options available for future issuance as of December 31, 2005, is approximately 1,508,354 shares. | 18 | 10K |
4312 | 1,197 | of certain first- and second-lien structured transactions (see below). Foreclosure moratoriums and loan modification programs aimed at mitigating the housing downturn have reduced the number of defaults going to claim. We cannot be certain of the ultimate impact of these programs on our business, results of operations,... | 100 | 10K |
fr_axa-AR_2009 | 4,983 | The AXA Group analyzes sensitivity to movements in interest rates and equity markets in two main ways: ■ S ensitivities of European Embedded Value (EEV) in the Life & | 29 | annual_report |
3775 | 1,332 | (1)Includes (a) 1,559,573 shares of common stock issuable with respect to outstanding SARs granted under the LTIP (assuming for this purpose that one share of common stock will be issued with respect to each outstanding SAR); (b) 531,930 shares of common stock issuable with respect to outstanding performance share awar... | 273 | 10K |
AssicurazioniGeneraliSpA-AR_2014 | 3,632 | A ss et s an d lia bi lit ie s re la te d to p ol ic ie s w he re th e in ve st m en t r is k is bo rn e by p ol ic yh ol de rs an d to p en si on fu nd s | 57 | annual_report |
SwissReAG-AR_2017 | 3,767 | Realised losses on sale of investments 0 1 Investment management expenses 1 1 Other interest expenses 0 0 Investment expenses 1 2 304 Swiss Re 2017 Financial Report | 28 | annual_report |
fr_axa-AR_2013 | 5,926 | (d) Revaluation to fair value for instruments at cost include the macro-hedge and other derivatives. | 15 | annual_report |
RaiffeisenBankInternationalAG-AR_2018 | 22 | Return on equity after tax 12.7% 12.5% 0.2 PP 6.7% 5.2% – | 12 | annual_report |
4312 | 1,602 | Upon the adoption of the accounting standard update regarding improvements to financial reporting by enterprises involving VIEs, we determined that we are the primary beneficiary for two VIEs in addition to our CDO of ABS transaction as of January 1, 2010, for which we have provided financial guarantees. Upon consolida... | 147 | 10K |
1736 | 785 | The Series A, B and C preferred stock was converted to common shares on a two-for-one basis, at the option of the preferred stockholder. The Series A, B and C preferred stock carried a noncumulative 10% dividend | 37 | 10K |
4792 | 667 | Although the Company is current in its payments on these loans, management believes the Company may be in default of certain non-financial covenants. The banks have not notified the Company of any default. | 33 | 10K |
2987 | 2,701 | The increases in Allstate brand homeowners average premium during 2005 were primarily due to higher average renewal premiums, primarily related to increases in insured value along with rate actions taken in the current and prior years. | 36 | 10K |
fr_axa-AR_2009 | 4,669 | A sustained increase in the infl ation rate in our principal markets would have multiple impacts on AXA and may negatively affect our business, solvency position and results of operations | 30 | annual_report |
3387 | 1,920 | In addition to selling credit protection, in limited instances we have purchased credit protection using credit derivatives in order to hedge specific credit exposures in our investment portfolio. As of December 31, 2007 and December 31, 2006, respectively, the Financial Services Businesses had $214 million and $35 mil... | 156 | 10K |
4916 | 356 | Investing and Financing Activities - Our investing activities provided cash of $5,564,339 in fiscal 2014, primarily from the proceeds of $5,254,500 from the assignment of future income from our life settlement trust investment, proceeds from investments in certificates of deposits of $500,728, proceeds from the life se... | 141 | 10K |
4725 | 2,501 | The combined ratio, before current accident year catastrophes and prior year development, improved 1.1 points to 90.8 in 2012 from 91.9 in 2011. The improvement in the combined ratio reflects a 2 point decrease in the current accident year before catastrophes ratio, partially offset by a slight increase in the expense ... | 52 | 10K |
NatixisSA-AR_2011 | 7,830 | Except for the rights which may be granted to preferred shares, if any were created, each share entitles its owner to a share in the ownership of the Company’s assets which is proportional to the number of shares issued. | 39 | annual_report |
PowszechnyZakladUbezpieczenSA-AR_2020 | 1,534 | The Cost/Income ratio4 was 43% for both banks (43% for Bank Pekao and 44% for Alior Bank), i.e. 2.4 p.p. more than the year before, which resulted from lower income, including net interest income in connection with interest rate cuts in Q2 2020. | 43 | annual_report |
ScorSE-AR_2011 | 5,120 | The maturity of investments, debt, other than financial debt, and receivables is less than one year. | 16 | annual_report |
4324 | 1,754 | We file a consolidated life-nonlife return for Federal income tax purposes that includes all US subsidiaries. At December 31, 2010, the Company had a net capital loss carryforwards of approximately $7.7 million that expire in 2014. | 36 | 10K |
Sampoplc-AR_2006 | 1,309 | 51IFRS Financial Statements: Risk management ties sufficiently balanced across currencies or by using derivatives. If necessary, derivatives are also used to hedge the investment portfolio against value decreases. | 28 | annual_report |
801 | 70 | We have audited the consolidated financial statements and the financial statement schedules of Protective Life Insurance Company and Subsidiaries listed in the index on page __ of this Form 10-K. These financial statements and financial statement schedules are the responsibility of the Company's management. Our respons... | 63 | 10K |
5945 | 1,621 | The amount available for payment of dividends from ICC in 2021 without the prior approval of the Illinois Department of Insurance is approximately $5.9 million based upon the insurance company’s 2020 annual statement. Prior to its payment of any dividend, ICC is required to provide notice of the dividend to the Illinoi... | 123 | 10K |
SwissReAG-AR_2002 | 462 | Long-term debt that is strictly used for funded business is classified as operational debt. During 2002, Swiss Re took advantage of opportunities to issue medium and long-term operational debt. The aggregate value of European Medium Term Notes issued in 2002, maturing after the fiscal year 2003, was the equivalent of E... | 98 | annual_report |
5657 | 882 | Derivative contract gains/losses include the changes in fair value of our equity index put option contract liabilities. These liabilities relate to contracts entered into before March 2008. Substantially all of these contracts will expire between April 2019 and February 2023. The periodic changes in the fair values of ... | 76 | 10K |
5851 | 13,181 | For fixed maturity securities for which a decline in the fair value below the amortized cost is due to credit related factors, an allowance is established for the difference between the estimated recoverable value and amortized cost with a corresponding charge to realized capital losses. The allowance for credit losses... | 137 | 10K |
4415 | 1,781 | The Company recorded a deferred tax expense of $1.3 million, $1.2 million and $1.3 million for the years ended December 31, 2011, 2010 and 2009, respectively. These amounts are related to the goodwill associated with the Company’s acquisition of its U.S. subsidiaries in the GMAC Acquisition. For U.S. tax purposes, this... | 204 | 10K |
5039 | 1,006 | existing under the SBA note; however, any payment is subject to approval by the insurance regulatory authority. At December 31, 2015, we were in compliance with the covenants as specified in the SBA note. | 34 | 10K |
4828 | 1,961 | The Company obtains gross spreads on its outstanding contracts from market data sources published by third parties (e.g. dealer spread tables for the collateral similar to assets within the Company’s transactions), as well as collateral-specific spreads provided by trustees or obtained from market sources. If observabl... | 222 | 10K |
AssicurazioniGeneraliSpA-AR_2014 | 632 | spain Generali España is one of the main insurance groups in Spain, with a total market share of 3.9% in the life segment and 4.3% in the P&C segment. It provides a wide range of life and P&C policies dedicated to both private individuals and enterprises, ensuring appropriate solutions to complex multinational realitie... | 95 | annual_report |
HannoverRueckSE-AR_2015 | 100 | The Executive Board and Supervisory Board intend to propose to the Annual General Meeting on 10 May 2016 that a dividend of EUR 3.25 plus a special dividend of EUR 1.50 per share should be distributed. In keeping with the previous year, the special dividend will be paid as a capital management measure because the compa... | 83 | annual_report |
nl_ing_grp-AR_2015 | 6,650 | The annual accounts include ING Group’s consolidated annual accounts and the parent company annual accounts. The consolidated annual accounts comprise the consolidated balance sheet as at 31 December 2015, the consolidated profit and loss account, the consolidated statement of comprehensive income, the consolidated sta... | 119 | annual_report |
5304 | 1,485 | On June 16, 2007, the State of Connecticut acting on behalf of the Department of Economic and Community Development ("DECD") loaned VRIAC $9.9 (the "DECD Loan") in connection with the development of the corporate office facility located at One Orange Way, Windsor, Connecticut that serves as the principal executive offi... | 56 | 10K |
3700 | 2,289 | Both observable and unobservable inputs may be used to determine the fair value of positions that the Company has classified within the Level 3 category. As a result, the unrealized gains and losses for invested assets within the Level 3 category presented in the tables below may include changes in fair value that are ... | 73 | 10K |
3410 | 1,197 | Unrealized losses on available-for-sale securities, aged less than and greater than twelve months, as of December 31, 2006 were as follows: | 21 | 10K |
4385 | 2,056 | The Company has qualified defined contribution plans for which substantially all employees are eligible. Company contributions, which match certain voluntary employee contributions to the plan, totaled $4.5 million, $4.1 million and $4.2 million in 2011, 2010 and 2009, respectively. Employer matching contributions are ... | 44 | 10K |
BaloiseHoldingLtd-AR_2004 | 339 | Board of Directors of Bank Sarasin & Cie AG, Basel, a Member of the Board of Directors of Pirelli SpA, Milan, and was | 23 | annual_report |
3962 | 720 | Year Ended December 31, 2008 Compared with the Year Ended December 31, 2007 | 13 | 10K |
4051 | 962 | the AIA and ALICO transactions on December 1, 2009, there was a $25 billion reduction in the outstanding balance of the FRBNY Credit Facility and the maximum amount available to be borrowed thereunder. The net borrowings as of December 31, 2009 and February 17, 2010 were reduced by $1.6 billion of loans extended from A... | 119 | 10K |
1241 | 877 | As part of the first quarter 1998 restructuring plan, the Company terminated an information technology outsourcing agreement. The original contract termination fee was $4,600. As a result of an amendment to the termination agreement, the Company exited the agreement for a payment of $3,247 and the remaining accrual was... | 52 | 10K |
NatixisSA-AR_2020 | 3,548 | Together with Groupe BPCE as a whole, Natixis contributes to collecting detailed information on liabilities, as required by the SRB in 2018. The mechanisms for monitoring and anticipating this new ratio have yet to be defined, in conjunction with Groupe BPCE. | 41 | annual_report |
4405 | 751 | Reduced issuances in the U.S. public finance market and ratings uncertainty caused by S&P's bond insurer rating criteria hampered new business development throughout most of 2011. The Company's U.S. public finance market penetration in 2011 was 12.1%, based on the number of new issue transactions, and 5.3%, based on th... | 104 | 10K |
5648 | 330 | We believe that the offices currently occupied by each of our subsidiaries are sufficient for their needs and any expected growth in the near future. | 25 | 10K |
4991 | 851 | increases in fair value of equity interests for which the holders have a put option to us; and | 18 | 10K |
1590 | 531 | Certain transactions that we have engaged in since 1997 affect the comparability of our results of operations between periods. In January 1999, we purchased United Insurance Group, an insurance agency, for approximately $18.2 million. Consolidation of United Insurance Group results in greater other income due to commis... | 172 | 10K |
3445 | 2,112 | In addition to the stock option awards described above, certain stock option awards that were granted under legacy plans permit an employee exercising an option to be granted a new option (a reload option) at an exercise price equal to the closing price of the Company common stock on the date on which the original opti... | 126 | 10K |
ch_zurich_insurance_group-AR_2015 | 3,207 | As statutory auditor, we have audited the accompanying financial statements of Zurich Insurance Group Ltd, which comprise the balance sheet, income statement and notes, for the year ended December 31, 2015. | 31 | annual_report |
NatixisSA-AR_2002 | 156 | A crisis management plan has been drawn up to ensure continuity of critical operations in the event that any of the Bank's buildings or systems were to incur serious damage. | 30 | annual_report |
2629 | 1,833 | The preparation of financial statements in conformity with generally accepted accounting principles in the United States requires the use of estimates and assumptions in certain circumstances that affect amounts reported in the accompanying financial statements and related footnotes. These estimates and assumptions are... | 111 | 10K |
10 | 230 | The following table sets forth, for the periods indicated, certain ratio data regarding the operations of ICH and its consolidated subsidiaries. Pro forma ratio data is presented as if the sale of Bankers and ICH's investment in BLHC had occurred as of the beginning of each period presented and is based on the same ass... | 95 | 10K |
1466 | 474 | In general, the Company seeks loans on high quality, income-producing properties such as shopping centers, freestanding retail stores, office buildings, industrial and sales or service facilities, selected apartment buildings, motels, and health care facilities. The location of these loans is typically in growth areas ... | 68 | 10K |
2847 | 5,383 | Net realized investment losses decreased by $97.7 million, or 99%, in 2004 compared to 2003, due primarily to significantly lower impairments in general account debt and equity securities as a result of the improved in credit environment in 2004, offset by lower transaction-related gains. Realized losses from impairmen... | 101 | 10K |
de_allianz-AR_2019 | 2,501 | The Allianz Group records financial liabilities where non-controlling shareholders have the right to put their financial instruments back to the Allianz Group (puttable instruments). If these non-controlling shareholders still have present access to the risks and rewards associated with the underlying ownership interes... | 183 | annual_report |
SwissReAG-AR_2008 | 502 | Total invested assets were CHF 124.6 billion at the end of December 2008, compared to CHF 159.9 billion at the end of December 2007. The decrease was mainly due to net sales and maturities in the fixed income portfolios, liquidation of the global equity portfolio, declines in market values and the impact of changes in ... | 93 | annual_report |
5668 | 1,737 | At a special meeting held on March 7, 2017, Genworth Financial’s stockholders voted on and approved a proposal to adopt the Merger Agreement. The closing of the transaction remains subject to other closing | 33 | 10K |
NatixisSA-AR_2008 | 4,374 | impact of €4 million on shareholders’ equity (after taking into account the variation attributable to policyholders and taxation), i.e. 0.5% of shareholders’ equity. | 23 | annual_report |
BaloiseHoldingLtd-AR_2014 | 3,067 | 42. REMUNERATION PAID TO THE BOARD OF DIRECTORS AND THE CORPORATE EXECUTIVE COMMITTEE The information to be disclosed in accordance with sections 663b and 663c of the Swiss Code of Obligations (OR) is contained in the Remuneration Report, which can be found on pages 61 to 83 of the chapter on corporate governance. The ... | 114 | annual_report |
TrygAS-AR_2019 | 1,268 | On consolidation, intra-group income and costs, intragroup accounts and dividends, and gains and losses arising on transactions between the consolidated enterprises are eliminated. | 23 | annual_report |
5068 | 500 | Unearned premium reserves increased $5,739 to $23,442 as of December 31, 2015 compared to $17,703 as of December 31, 2014. The following table outlines the change in unearned premium reserves by line of business. | 34 | 10K |
4598 | 1,748 | The weighted average grant date fair value per unit for cash-settled awards granted during 2012, 2011, and 2010 was $23.23, $26.22, and $20.79, respectively. The total fair value of cash-settled awards vested during 2012 and 2011 was $1.5 million and $0.7 million, respectively, and the total fair value of cash-settled ... | 103 | 10K |
3648 | 3,969 | Proceeds from the collateral financing arrangement were placed in trust to support MRSC’s statutory obligations associated with the reinsurance of secondary guarantees. The trust is a VIE which is consolidated by the Company. The unaffiliated financial institution is entitled to the return on the investment portfolio h... | 50 | 10K |
2698 | 690 | sections it may reference, in our most recent 10-K report as it may be updated in our subsequent 10-Q and 8-K reports. This discussion covers certain risks, uncertainties and possibly inaccurate assumptions that could cause our actual results to differ materially from expected and historical results. Other factors besi... | 58 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2011 | 1,061 | adopting the financial statements for the prior financial year and the Directors' Report of the | 16 | annual_report |
LloydsBankingGroupPLC-AR_2012 | 2,137 | – An aggregate view of the Group’s overall risk profile, key risks and management actions, together with performance against risk appetite are reported to and discussed monthly at the Group Risk committee and Group Asset and liability committee with regular reporting to the Board Risk committee and the Board. | 49 | annual_report |
NatwestGroupPLC-AR_2012 | 2,307 | Reviews undertaken consistently address the four underlying risk pillars of: risk management, risk appetite, ratings and data integrity, and asset quality. Appropriate identification, escalation, remediation and related tracking of control breaches and improvements in operational processes are firmly embedded in the as... | 51 | annual_report |
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