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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3625 | 575 | Effective January 1, 2007, we adopted the provisions of FASB Interpretation No. 48, Accounting for Uncertainty in Income Taxes, an interpretation of FASB Statement No. 109 (“FIN 48”). As a result of the implementation of FIN 48, we recognized an $11.5 million decrease in the liability for unrecognized tax benefits, whi... | 65 | 10K |
4839 | 1,051 | Our equity index put option and credit default contracts are not exchange traded and certain contract terms are not standard in derivatives markets. For example, we are not required to post collateral under most of our contracts and many contracts have long durations, and therefore are illiquid. For these and other rea... | 85 | 10K |
ASRNederlandNV-AR_2012 | 1,570 | Included in the cash and cash equivalents is € 1,882 million (2011 € 1,716 million) related to the cash collateral received on derivative instruments. This debt to repay the cash collateral is included in the amount due to banks (chapter 23). | 41 | annual_report |
1892 | 368 | Year Ended December 31, 2002 compared to Year Ended December 31, 2001 (Restated) | 13 | 10K |
de_allianz-AR_2009 | 610 | Business Operations and Steering The Allianz Group’s insurance and asset management businesses provide a comprehensive product range through multiple sales channels. We manage and steer our operations via four segments and ten divisions. | 33 | annual_report |
ScorSE-AR_2008 | 707 | Return on equity was 9.0%, 14.0%, and 16.9% for the years ended 31 December 2008, 2007 and 2006 respectively. Basic earnings per share was EUR 1.76, EUR 2.79 and EUR 3.26 for the same three periods, respectively. | 37 | annual_report |
de_allianz-AR_2001 | 619 | Strasse 4a, D-81675 Munich (Phone +49 89 4107-303, Fax +49 89 4107-3040). | 12 | annual_report |
ASRNederlandNV-AR_2011 | 76 | Elements of ASR’s strategy were refined in early 2011 with the aim of focusing more specifically on priorities under changing market conditions. First and foremost, ASR has chosen to focus primarily on retail customers, self-employed professionals and small and medium-sized enterprises (SMEs) up to 500 employees. Addit... | 163 | annual_report |
de_allianz-AR_2004 | 1,586 | Income Act on sales of such policies can be clearly understood. | 11 | annual_report |
AvivaPLC-AR_2006 | 3,415 | 10% decrease in mortality/ decrease in 10% in mortality/ morbidity rates | 11 | annual_report |
1321 | 617 | The Company uses the asset and liability method of accounting for income taxes. Deferred Federal income taxes arise from the recognition of temporary differences between financial statement carrying amounts and the tax basis of the Company's assets and liabilities, as well as tax on net unrealized gains or losses on se... | 91 | 10K |
SwissLifeHoldingAG-AR_2017 | 53 | This is the repository for brands whose connection to the umbrella brand is potentially the source of conflict or which are kept separate for strategic reasons. These brands have an independent existence without visible relation to the umbrella brand. | 39 | annual_report |
StorebrandASA-AR_2010 | 2,049 | notes to the finanCial statements of storebrand asa 01 accounting policies the financial statements of storebrand asa have been prepared in accordance with the accounting act, generally accepted accounting policies in norway, and the regulations relating to annual accounts, etc, for insurance companies. storebrand asa ... | 55 | annual_report |
5657 | 934 | A summary of BHRG’s property and casualty unpaid losses and loss adjustment expenses, other than retroactive reinsurance losses and loss adjustment expenses, as of December 31, 2018 follows (in millions). | 30 | 10K |
NatixisSA-AR_2008 | 1,043 | (1) Including a portion due in relation to director’s fees for the 2006 fi scal year. | 16 | annual_report |
StorebrandASA-AR_2005 | 697 | Management through group-wide policies and internal guidelines. Group-wide policies have been approved for the following functions in the Storebrand Group: accounting, finance and risk management, investor relations, corporate communications, branding, IT, human resources and legal services. | 36 | annual_report |
4421 | 665 | Our individual and family health insurance plan commission revenue was adversely impacted in 2011 due to the reduction in the commission rates that we are paid on new policies as a result of our selling individual and family health insurance plans subsequent to the implementation of the new medical loss ratio requireme... | 130 | 10K |
AdmiralGroupPLC-AR_2014 | 480 | Other Revenue Admiral generates Other Revenue from a portfolio of insurance products that complement the core car insurance product, and also fees generated over the life of the policy. | 29 | annual_report |
2697 | 1,355 | See Note 1d for assessment of other than temporary impairments. The Company believes the above fixed maturity and equity securities unrealized losses are not other than temporary as the Company has the ability and intent to hold the investments for a period of time sufficient for a forecasted market price recovery up t... | 98 | 10K |
2985 | 1,155 | Regulators also continue to focus on replacement and exchange issues. Under certain circumstances companies have been held responsible for replacing existing policies with policies that were less advantageous to the policyholder. Our management continues to monitor compliance procedures to minimize any potential liabil... | 83 | 10K |
Sampoplc-AR_2017 | 3,595 | PPension liabilities:ension liabilities: At the beginning of the year 294 303 | 11 | annual_report |
3088 | 789 | (4) Return on average shareholders' equity: Return on average shareholders' equity is the ratio, expressed as a percentage, of net earnings, excluding realized gains and losses, to the average of the beginning of period and end of period total shareholders' equity, excluding accumulated other comprehensive income. | 46 | 10K |
5152 | 1,295 | The carrying value and unfunded commitments for certain of our investments are the following: | 14 | 10K |
SwissReAG-AR_2016 | 2,619 | Income/loss before interest and income tax expense 3 751 1 492 517 417 –200 –24 5 953 Interest expenses2 –272 –323 –24 –16 –23 24 –634 Income/loss before income tax expense/ | 31 | annual_report |
SwissLifeHoldingAG-AR_2013 | 833 | The rules for future asset allocations are consistent with going-concern assumptions. Asset realignment avoids deviating from the strategic asset allocation by more than a predefined margin and takes place after each projected year. | 33 | annual_report |
1002 | 181 | Last year, your Company's earnings were down 18 percent to $23,677,000 or $2.28 per share, compared to $28,732,000 or $2.68 per share for 1997. Poor underwriting results in your Company's property and casualty business were partially offset by an outstanding year for United Life Insurance Company and gains realized on ... | 69 | 10K |
NatixisSA-AR_2008 | 5,987 | This method is based on assumptions concerning demographics, salary increase rates, discount rates and infl ation. Differences resulting from changes in actuarial assumptions and experience adjustments (impact of differences between previous actuarial assumptions and actual events) give rise to actuarial gains and loss... | 43 | annual_report |
BaloiseHoldingLtd-AR_2007 | 824 | BOARD OF DIRECTORS AND COMMITTEE MEETINGS In compliance with the organisation regulations, the full Board of Directors meets as oft en as business requires, but no less than four times a year. | 32 | annual_report |
5203 | 1,277 | Annuities segment pre-tax adjusted operating income was $180.2 million which included $83.8 million of fixed annuity adjusted operating earnings, $111.7 million of variable annuity adjusted operating earnings, and a $15.3 million loss in other annuity earnings which included $12.2 million of amortization related to int... | 68 | 10K |
AegonNV-AR_2006 | 2,933 | 10% decrease in morbidity rates 61 1 Basic assumptions: no correlation between markets and risks, unchanged conditions for all other assets and liabilities and limited management actions taken. All changes are relative to net income and shareholders’ equity. Effects do not tend to be linear and therefore cannot be extr... | 55 | annual_report |
nl_ing_grp-AR_2019 | 6,340 | We are independent of ING Groep N.V. in accordance with the ‘Verordening inzake de onafhankelijkheid van accountants bij assurance-opdrachten’ (‘ViO’, Code of Ethics for Professional Accountants, a regulation with respect to independence) and other relevant independence regulations in the Netherlands. Furthermore, we h... | 56 | annual_report |
4536 | 204 | Audited financial statements begin on the following page of this report. | 11 | 10K |
2209 | 1,182 | Nationwide Provident sales grew significantly due to the acquisition that closed on October 1, 2002. | 15 | 10K |
4292 | 2,573 | The discount rate selected for each U.S. plan is based on a model bond portfolio with coupons and redemptions that closely match the expected liability cash flows from the plan. Discount rates for non-U.S. plans are based on appropriate bond indices such as the Markit iBoxx £ Corporates AA 15+ index in the U.K. Project... | 66 | 10K |
StorebrandASA-AR_2018 | 1,852 | Of which derivatives in bond funds, managed by Storebrand 1,570 513 2,082 | 12 | annual_report |
5592 | 907 | Reclassifications may have been made to prior years' amounts to conform to the current year's presentation. | 16 | 10K |
NatixisSA-AR_2014 | 801 | 2 CORPORATE GOVERNANCE Additional information on the corporate offi cers’ positions Michel GRASS Chairman of the Board of Directors of Banque Populaire Bourgogne Franche Comté | 25 | annual_report |
4822 | 1,257 | At December 31, 2013 and 2012, we had no unrecognized tax benefits. As of December 31, 2013, our U.S. federal income tax returns for the tax years 2009 through 2012 remain subject to examination. The Company has not recorded any uncertain tax positions as of December 31, 2013 or December 31, 2012. | 52 | 10K |
fr_axa-AR_2006 | 215 | Supervisory Board members are selected on the basis of their acknowledged competence and experience, as well as their ability to work together and become actively involved in the supervision of a Group like AXA. | 34 | annual_report |
AvivaPLC-AR_2005 | 376 | Aviva Singapore and Hong Kong employ a multi-channel distribution strategy alongside a strong partnership with banking group Development Bank of Singapore (DBS). In Singapore we are ranked fifth and in Hong Kong 24th. Our business in Singapore remains the market leader in the developing broker market as well as the emp... | 55 | annual_report |
AegonNV-AR_2019 | 2,732 | Solvency II 2020 review In addition to the 2018 review of the Solvency II Delegated | 15 | annual_report |
AegonNV-AR_2008 | 3,380 | Net gains / (losses) transferred to income statement (891) – 25 (866) | 12 | annual_report |
5909 | 538 | In the Medicare Operating Group, BRP generates commissions and fees in the form of direct bill insurance placement and marketing income. Marketing income is earned through co-branded marketing campaigns with the Company’s Insurance Company Partners. | 35 | 10K |
AvivaPLC-AR_2007 | 230 | – The composite model allows us to focus on areas of the business where we can grow profitably at any given time. In 2007 we actively managed the composite portfolio by: – Restructuring our UK GI business | 37 | annual_report |
AvivaPLC-AR_2001 | 920 | (i) On 28 June 2001, the Group completed the acquisition of ABN AMRO Magyar Elet es Nyugdijbiztosito Reszvenytarsasag (“Mébit”), the sixth-largest life insurance business in Hungary, from ABN AMRO Bank N.V. for a cash consideration of £64 million, including transaction costs. The embedded value amounted to £11 million,... | 55 | annual_report |
2940 | 2,682 | Other Expense. Other expense was $73.4 million and $14.0 million in 2004 and 2003, respectively. This change was primarily due to increased deferrals on the retroactive reinsurance agreements with affiliates for asbestos reserve strengthening. | 34 | 10K |
712 | 381 | The consolidated statements of cash flows on page 37 indicate that operating activities provided cash of $1.1 billion, $1.4 billion and $2.2 billion in 1997, 1996 and 1995, respectively. This statement also classifies the other sources and uses of cash by investing activities and financing activities and discloses the ... | 63 | 10K |
StorebrandASA-AR_2013 | 1,581 | In 2014 the following new standards will have an effect on the consolidated financial statements: IFRS 10 Consolidated Financial Statements, and IFRS11 Joint Arrangements. A larger share of the Group's investments is expected to be consolidated due to IFRS 10 and it is also expected that jointly-controlled companies wi... | 88 | annual_report |
1264 | 916 | IGI CONTINGENCY - In 1997, CNA Reinsurance Company Limited ("CNA Re Ltd.") entered into an arrangement with IOA Global, Ltd. ("IOA"), an independent managing general agent based in Philadelphia, Pennsylvania, to develop and manage a book of accident and health coverages. Pursuant to this arrangement, IGI Underwriting A... | 169 | 10K |
RaiffeisenBankInternationalAG-AR_2016 | 1,852 | Equity/index futures - forward pricing 436,540 0 0 436,540 24,803 (22,172) | 11 | annual_report |
RSAInsuranceGroupPLC-AR_2013 | 487 | Failure to attract and retain key staff for specialist technical roles | 11 | annual_report |
1430 | 603 | The Company believes that it currently has adequate space for expansion at its existing facilities. | 15 | 10K |
AvivaPLC-AR_2010 | 2,567 | (ii) The tax charge attributable to policyholders’ returns included above is £nil (2009: £nil). | 14 | annual_report |
de_allianz-AR_2008 | 3,666 | 1) For the year ended December 31, 2008, consists of shadow accounting of � (135) mn. 2) Mainly relating to a reclassification from reserves for premium refunds and other insurances reserves. | 31 | annual_report |
BaloiseHoldingLtd-AR_2004 | 233 | December. The positive response of our customers to this product encourages Baloise Fund Invest to issue further guaranteed funds. | 19 | annual_report |
TrygAS-AR_2015 | 139 | Denmark. The product is for customers buying and selling cars privately and consists of a car test and a change of car ownership insurance. | 24 | annual_report |
1077 | 294 | The balance sheet captions "Funds Withheld at Interest" and "Interest Sensitive Contracts Liabilities" relate to Deferred Annuity contracts reinsured on a modified coinsurance basis. Taking into consideration the structure of the reinsurance agreement, the carrying value of the liabilities and related assets approximat... | 46 | 10K |
BaloiseHoldingLtd-AR_2008 | 896 | Extraordinary General Meetings may be convened by resolution of the Annual General Meeting, the Board of Directors or the auditors. Furthermore, an Extraordinary General Meeting must be convened by the Board of Directors at the request of shareholders, in compliance with legal stipulations (§ 11 of the Articles of Inco... | 80 | annual_report |
fr_axa-AR_2015 | 5,103 | the contractual terms of cash fl ows are SPPI, the fi nancial asset is measured at fair value through Other Comprehensive | 21 | annual_report |
4409 | 951 | Advertising costs are expensed as incurred under ASC Topic 720-35, “Advertising Costs”. The Company incurred $24,620 and $8,195 for the years ended December 31, 2011 and 2010, respectively. | 28 | 10K |
4532 | 989 | The accumulated benefit obligation for all defined benefit pension plans was $3,187 million and $2,932 million at December 31, 2012 and 2011. | 22 | 10K |
NatixisSA-AR_2014 | 4,941 | The units held by third party investors in dated funds, which are fully consolidated by Natixis, entitling the unit-holders to the repayment of a share of the fund’s net assets upon its liquidation, are classifi ed in liabilities on the consolidated balance sheet under “Accruals and other liabilities”. The share of thi... | 71 | annual_report |
4296 | 1,188 | As of December 31, 2010, the Company has not recognized any future tax benefit related to its foreign operations at Eastern Re. The unrecognized tax benefit, which represents the excess of the tax basis over the amount for financial reporting (i.e., outside basis difference) of Eastern Re, was $11,545 as of December 31... | 112 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_1999 | 147 | Christiane Bartl (until 22nd July 1999) Employee of the Munich Reinsurance Company | 12 | annual_report |
NatixisSA-AR_2010 | 498 | ● The SIA Group operates in the Nord Pas-de-Calais, Picardie and Ile-de-France regions with Viléal Habitat. SIA Habitat and its affiliate Escaut Habitat, specializing in providing firsttime home ownership, work in partnership on projects that combine rental and home ownership opportunities. SIA Habitat’s 27,500 housing... | 67 | annual_report |
3986 | 2,297 | (1) Represents the pre-tax non-credit OTTI loss recorded as a component of accumulated other comprehensive income (loss) (“AOCI”) for assets still held at the reporting date. | 26 | 10K |
5250 | 987 | Chem-Mod LLC - At December 31, 2016, we held a 46.5% controlling interest in Chem-Mod. Chem-Mod possesses the exclusive marketing rights, in the U.S. and Canada, for technologies used to reduce emissions created during the combustion of coal. The refined coal production plants discussed below, as well as those owned by... | 90 | 10K |
SwissLifeHoldingAG-AR_2004 | 1,998 | Swissville Centers Holding, Zürich Life l 99.8% 100.0% full CHF 7 100 | 12 | annual_report |
de_allianz-AR_2015 | 2,232 | Carrying amount as of 31 December1 2,361 2,142 Accumulated amortization as of 31 December 4,516 4,218 Cost as of 31 December 6,878 6,360 1 As of 31 December 2015, includes € 1,534 mN (2014: € 1,398 mN) for self-developed software and € 827 mN (2014: € 743 mN) for software purchased from third parties. | 54 | annual_report |
4663 | 1,002 | During the year ended December 31, 2012, we repurchased approximately 3,923,336 common shares at a total cost of approximately $106.1 million. Future repurchase activity under the program will depend on many factors, including capital levels, liquidity needs, rating agency expectations, and the relative attractiveness ... | 49 | 10K |
4259 | 7,754 | Allstate is engaged, principally in the United States, in the property-liability insurance, life insurance, retirement and investment product business. Allstate's primary business is the sale of private passenger auto and homeowners insurance. The Company also sells several other personal property and casualty insuranc... | 85 | 10K |
gb_prudential-AR_2012 | 3,156 | At 31 December 2012, Jackson (including the newly acquired REALIC) had interest sensitive life business in force with total account value of £6.0 billion (US$9.7 billion) (2011: £3.3 billion (US$5.1 billion)), with minimum guaranteed interest rates ranging from 2.5 per cent to 6.0 per cent with a 4.67 per cent average ... | 99 | annual_report |
NatixisSA-AR_2008 | 2,633 | Natixis carries out annual health surveillance examinations for staff. In 2008, the occupational health department took steps to develop a specialized unit to monitor the impact of stress in the workplace. This monitoring unit is now up and running. For 2009, the annual surveillance examination for staff will be furthe... | 58 | annual_report |
803 | 378 | The Company's business segments are: (i) Health Insurance, which includes the businesses of the Self-Employed Agency Division, the Student Health Division; the Special Risk Division and the Motor Club Division; (ii) Life Insurance and Annuity, (iii) Credit Services, and (iv) Corporate and Other, which includes the busi... | 135 | 10K |
NatwestGroupPLC-AR_2017 | 4,429 | Settlement balances and short positions 4,938 26,433 31,371 5,010 20,712 25,722 | 11 | annual_report |
GjensidigeForsikringASA-AR_2015 | 2,065 | Guidelines for remuneration and career development shall be linked to achievement of the Group’s strategic and financial goals and core values, and both quantitative and qualitative targets shall be taken into consideration. The measurement criteria shall promote the desired corporate culture and long-term value creati... | 137 | annual_report |
2318 | 580 | (b) Premiums are earned (net of reinsurance ceded) over the terms of the related insurance policies and reinsurance contracts or certificates. Unearned premium reserves are established for the unexpired portion of insurance policies and reinsurance contracts or certificates. Such unearned premium reserves are computed ... | 104 | 10K |
AssicurazioniGeneraliSpA-AR_2015 | 3,066 | The Board of Directors approves the risk management policies and strategies, as well as the risk tolerance levels. The risk adjusted performance targets are defined in line with the capital adequacy level. | 32 | annual_report |
ScorSE-AR_2011 | 5,729 | Financial communication: The establishment and centralization of all financial information - particularly press releases, intended for the market, investors, financial analysts, and the press - are the responsibility of the Corporate Communications Department and the Group Corporate Finance & Finance Communications D... | 64 | annual_report |
5958 | 2,444 | Total effect on claims and claims expense $ 530 $ 524 $ 1,378 | 13 | 10K |
3111 | 784 | The table below summarizes the number of asbestos and non-asbestos claims outstanding at December 31, 2006, 2005, and 2004. For additional information about our environmental reserves, see Item 1. “Business,” Item 8. “Financial Statements and Supplementary Data,” Note 8 to the consolidated financial statements. | 44 | 10K |
AdmiralGroupPLC-AR_2018 | 1,217 | Based on the results of this analysis, the Directors have a reasonable expectation that the Company will be able to continue in operation and meet its liabilities as they fall due over this three year period. | 36 | annual_report |
PosteItalianeSpA-AR_2016 | 307 | The decline in Unrecorded Mail (65 million fewer items, down 4.2% on 2015) generated a corresponding reduction in revenue of €86 million (down 8.4%), reflecting, as previously mentioned, the general decline in market volumes as a result of e-substitution. Despite a 2.9% reduction in volumes, revenue from Recorded Mail ... | 75 | annual_report |
TrygAS-AR_2006 | 1,898 | Swedish general insurance Gross premiums earned 4 - - - - - | 12 | annual_report |
NatwestGroupPLC-AR_2011 | 2,953 | Unexpected levels of operational risk losses, by stressing its existing portfolio of operational risk scenarios. | 15 | annual_report |
ch_zurich_insurance_group-AR_2018 | 1,762 | Management, as the first line of defense, is responsible for identifying, evaluating and addressing significant risks, and designing, implementing and maintaining internal control. Key processes and controls in the organization are subject to review and challenge by management, Group Risk Management, Group Compliance a... | 100 | annual_report |
1529 | 1,225 | Business Segment Information for the Years Ended December 31, 2000 and 1999 | 12 | 10K |
GjensidigeForsikringASA-AR_2020 | 2,520 | Net income and gains/(losses) from financial liabilities at amortised cost Net interest income/(expenses) from subordinated debt (41.5) (49.9) Total net income and gains/(losses) from financial liabilities at amortised cost (41.5) (49.9) | 31 | annual_report |
AegonNV-AR_2011 | 2,325 | Throughout the recent financial crisis, AEGON’s aim has been to maintain excess capital over and above the amount required to maintain an AA financial strength rating. This remains the company’s objective, and plays an important role in determining the overall capital management strategy. AEGON | 44 | annual_report |
PhoenixGroupHoldingsPLC-AR_2015 | 1,234 | Total share plan interests as at 31 December 2015 – DBSS | 11 | annual_report |
5936 | 1,217 | Long-term debt includes AAC surplus notes and junior surplus notes, the Ambac Note and Tier 2 Notes issued in connection with the Rehabilitation Exit Transactions and the Ambac UK debt issued in connection with the Ballantyne commutation. The fair values of surplus notes, the Ambac Note and Tier 2 Notes are classified ... | 71 | 10K |
2665 | 5,542 | (1)Includes $9.15 billion of liabilities with a contractual surrender charge of less than 5.0% of the account balance. | 18 | 10K |
ch_zurich_insurance_group-AR_2015 | 2,433 | Consolidated financial statements continued 15. Attorney-in-fact contracts, goodwill and other intangible assets Table 15.1 | 14 | annual_report |
TrygAS-AR_2017 | 592 | all employees must comply with the Code of Conduct, some departments and positions are more exposed to risks of improper conduct than others, for example when it comes to handling personal data or anti-corruption, including gifts. In order to mitigate the risk of employees violating the Code of Conduct, we continued to... | 93 | annual_report |
SwissReAG-AR_2014 | 1,459 | Board of Directors 10 meetings1 Group EC members, Group General Counsel, Company Secretary 4.5 hours | 15 | annual_report |
NatwestGroupPLC-AR_2017 | 4,639 | US$ 1,000 million series 1 non cumulative convertible preference shares of US$ 0.01 9.118% (partial redemption) Ineligible 48 — | 19 | annual_report |
PhoenixGroupHoldingsPLC-AR_2015 | 3,869 | NET SHAREHOLDER DEBT Shareholder debt (including the Tier 1 Notes) less holding company cash and cash equivalents | 17 | annual_report |
HelvetiaHoldingAG-AR_2016 | 977 | The profit for the period under IFRS was CHF 150.6 million (financial year 2015: CHF 149.8 million). The IFRS result in particular includes integration costs as well as planned additional depreciation due to the revaluation of interest-bearing securities under IFRS acquisition accounting. | 42 | annual_report |
2237 | 1,470 | Certain facilities are guaranteed by either operating subsidiaries or ACE Limited. | 11 | 10K |
2783 | 823 | ascertainable market values. Sherman’s results of operations are sensitive to estimates by Sherman’s management of ultimate collections on these portfolios. | 20 | 10K |
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