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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5810 | 2,171 | Market comparable discount rates are used as the base rate in the discounted cash flows used to determine the fair value of certain assets. The use of a higher or lower discount rate would have caused the fair value of the assets to significantly decrease or increase, respectively. Additionally, we may adjust the base ... | 97 | 10K |
5615 | 4,150 | A decline in the equity markets causing a reduction in the sales of our subsidiaries’ products; a reduction of asset-based fees that our subsidiaries charge on various investment and insurance products; an acceleration of the net amortization of deferred acquisition costs (“DAC”), value of business acquired (“VOBA”), d... | 72 | 10K |
1701 | 1,217 | Premium rate increases including the Benefits Improvement and Protection Act of 2000 (effective March 1, 2001), and supplemental member premiums. | 21 | 10K |
5550 | 619 | proportional basis globally; direct mortgage insurance in Europe through Arch MI Europe and in Hong Kong through Arch MI Asia; and participation in various GSE credit risk-sharing products primarily through Arch Re Bermuda. | 33 | 10K |
HannoverRueckSE-AR_2019 | 502 | The loss experience was characterised by a marginally higher claims frequency and moderately increased loss amounts for individual claims. Against this backdrop, prices nudged higher on both the insurance and reinsurance side. | 32 | annual_report |
NatixisSA-AR_2019 | 8,384 | Net revenues, pre-tax profit, taxes and headcount 18.2 by country at December 31, 2019 | 14 | annual_report |
NatixisSA-AR_2003 | 3,134 | Since 2000, management of the interest rate, exchange rate and liquidity risks of Natexis Banques Populaires and its subsidiaries has been centralized.These risks are monitored and managed by the Capital Markets division. | 32 | annual_report |
gb_prudential-AR_2013 | 642 | Markets backdrop over the past year Equity markets in developed countries rose to pre-crisis levels during 2013, while bond markets remained relatively flat. Emerging markets, however, suffered a series of setbacks as concerns about slowing economic growth in China and the tapering of quantitative easing in the US weig... | 53 | annual_report |
AvivaPLC-AR_2007 | 4,094 | ‘One Aviva, twice the value’. Realising the full potential of Aviva’s businesses by acting as one group. | 17 | annual_report |
208 | 868 | As discussed in Note B to the consolidated financial statements, the Company made an accounting change in 1994. | 18 | 10K |
5689 | 879 | Financial instruments are recognized and unrecognized using trade date accounting, since that is the date Atlas contractually commits to the purchase or sale with the counter-party. | 26 | 10K |
INGGroepNV-AR_2020 | 184 | We are now applying learnings from this to design a way of working best suited to the | 17 | annual_report |
HelvetiaHoldingAG-AR_2017 | 1,044 | 2.2 Standards not yet applied in the reporting year Due to their effective dates, the following published sector-relevant standards, interpretations and amendments to standards were not applied to the 2017 consolidated financial statements: Changes in accounting policies to be applied for annual periods beginning on / ... | 55 | annual_report |
ch_zurich_insurance_group-AR_2013 | 2,568 | Zurich Finance (UK) plc 6.625% GBP 450 million perpetual notes, first callable October 2022 3,5 737 723 | 17 | annual_report |
4051 | 980 | •AGF anticipates that its primary sources of liquidity will be customer receivable collections and additional on-balance sheet securitizations and, to a lesser extent, portfolio sales (see Liquidity of Parent and | 30 | 10K |
fr_axa-AR_2018 | 629 | The Adjusted Return on Equity (“Adjusted RoE”) is calculated as adjusted earnings net of financial charges related to undated subordinated debt, preferred shares and mandatory exchangeable bonds (recorded through shareholders’ equity as disclosed in Part 5.4 – “Consolidated Statement of Changes in Equity” and financial... | 159 | annual_report |
5915 | 917 | •inability to sell investment assets to provide cash to fund operating needs; | 12 | 10K |
721 | 495 | The Company is required to redeem all shares of Series A Preferred Stock, or any Convertible Subordinated Notes outstanding on April 12, 2004. | 23 | 10K |
fr_axa-AR_1999 | 3,147 | Excellence of stock held in treasury, which did not exist in 1999. | 12 | annual_report |
AegonNV-AR_2013 | 5,571 | Further, insurance products enjoy certain tax advantages, particularly in the United States and the Netherlands, which permit the tax deferred accumulation of earnings on the premiums paid by the holders of annuities and life insurance products under certain | 38 | annual_report |
1 | 1,258 | The names of certain subsidiaries are omitted, as such subsidiaries in the aggregate would not constitute a significant subsidiary. | 19 | 10K |
AvivaPLC-AR_2018 | 1,476 | Mark Wilson Tom Stoddard Mark was Group CEO until 8 October 2018. Over this period Mark led the organisation to deliver strong financial results, continued progress on improving the culture and employee engagement, and oversaw our IT roadmap. There were a number of notable milestones in 2018: • Achieved 9% Group adjust... | 77 | annual_report |
TrygAS-AR_2017 | 1,095 | Annual report 2017 | Tryg A/S | 83Contents – Financial statements | 11 | annual_report |
SwissLifeHoldingAG-AR_2007 | 2,238 | The expected weighted-average tax rate for the continuing operations of the Group was 30.9% in 2007 (2006: 29.1%). This rate was derived by obtaining a weighted average of the expected income tax rates in the various jurisdictions in which the Group operates. The increase of the weighted-average tax rate is due to the ... | 83 | annual_report |
5043 | 925 | The changes in the amount of the credit component of OTTI losses on fixed maturity securities recognized in income, for which a portion of the OTTI losses was recognized in other comprehensive income, was not material for the years ended December 31, 2015, 2014 or 2013. | 46 | 10K |
AegonNV-AR_2018 | 1,886 | As a result of the above changes in Own Funds and PIM SCR, the Group Solvency II ratio improved by 10% to 211% in 2018. | 25 | annual_report |
TrygAS-AR_2003 | 408 | The Group manages such risks through its underwriting policy (acceptance rules, price, terms and conditions), by taking out reinsurance, in its current management of investment activities, and through business procedures and policies. The Tryg Vesta Group is in the process of further developing and implementing as its ... | 55 | annual_report |
SwissReAG-AR_2016 | 2,781 | Paid related to: Current year –8 533 –9 720 Prior year –12 083 –12 808 | 15 | annual_report |
5461 | 849 | The Company recognized stock-based compensation expense in the amount of $11,552 and $23,104 for all awards issued under the 2011 Plan in the “Salaries and employee benefits” line item in the Consolidated Statements of Operations in each year ended December 31, 2017 and 2016, respectively. As of December 31, 2017, ther... | 56 | 10K |
5296 | 1,193 | The following table summarizes information about the restricted stock outstanding under the 2012 Incentive Plan at December 31, 2016: | 19 | 10K |
gb_lloyds_banking_grp-AR_2005 | 712 | In deciding to nominate Sir Victor as chairman, the board considered the provision of the combined code on corporate governance, issued by the Financial Reporting Council, that no individual should be appointed to a second chairmanship of a FTSE 100 company. The board concluded that Sir Victor was an outstanding candid... | 99 | annual_report |
5776 | 448 | Our other liabilities as of December 31, 2019 and December 31, 2018 are summarized as follows: | 16 | 10K |
SwissLifeHoldingAG-AR_2010 | 667 | For future MCEV publications, other units will be included under covered business as soon as their MCEV is significant. | 19 | annual_report |
gb_prudential-AR_2010 | 5,386 | Prudential plc is a holding company, some of whose subsidiaries are authorised and regulated by the Financial Services Authority (FSA). | 20 | annual_report |
2084 | 698 | The guarantee of the operating lease is a parallel guarantee to the commitment to fund operating deficits; consequently, the separate guarantee to the lessor is not expected to be triggered as long as the joint venture continues to be funded by its shareholders and continues to make its annual lease payments. | 51 | 10K |
4768 | 1,516 | Key to the projection of ultimate loss is the amount of credibility or weight assigned to each actuarial method. Each method has advantages and disadvantages, and those can change depending on numerous factors including the reliability of the underlying data. For most actuaries, the selection and weighting of the proje... | 145 | 10K |
4413 | 917 | We purchased asset-backed and commercial mortgage-backed securities under the FRBNY's TALF program. As of December 31, 2011, we had $387.7 million of securities under TALF which are reflected as "TALF investments, at fair value" and $310.5 million of secured financing from the FRBNY which is reflected as "TALF borrowin... | 104 | 10K |
1358 | 474 | We develop reserves for unpaid claims by using industry mortality and morbidity data. One year development on prior year reserves represents our experience being more or less favorable than that of the industry. Over time, we expect our experience with respect to disability income business to be comparable to that of t... | 74 | 10K |
1736 | 758 | Property and equipment, net at December 31, 2001 and 2000 is summarized as follows: | 14 | 10K |
NatwestGroupPLC-AR_2017 | 6,525 | Credit risk - the risk of financial loss due to the failure of a customer, or counterparty, to meet its obligation to settle outstanding amounts. | 25 | annual_report |
4869 | 1,124 | We use our judgment to determine the assumptions to be used in the calculation of the required estimates. The assumptions we consider when estimating IBNR include, without limitation, claims receipt and payment experience (and variations in that experience), changes in membership, provider billing practices, healthcare... | 88 | 10K |
DirectLineInsuranceGroupPLC-AR_2019 | 1,538 | The Committee recognised that it was important to comply with the recommendations made by the TCFD and carry out climate change scenario stress testing. Further information about the Group’s approach to the TCFD can be found on pages 68 to 70. | 41 | annual_report |
TrygAS-AR_2018 | 997 | Interest expenses Interest expenses subordinate loan capital and credit institutions -88 -89 Interest expenses, other -52 -18 8 Value adjustments Value adjustments concerning financial assets or liabilities at fair value with value adjustment in the income statement: Equity investments -64 -35 Unit trust units -224 460... | 50 | annual_report |
2995 | 537 | The management of CNA Surety Corporation (“CNA Surety” or the “Company”) and subsidiaries is responsible for establishing and maintaining adequate internal control over financial reporting. CNA Surety’s internal control system was designed to provide reasonable assurance to the Company’s management, its Audit Committee... | 57 | 10K |
819 | 171 | Associate services and direct marketing costs increased to $4.5 million for 1996 from $2.6 million for 1995 but were generally consistent as a percent of total revenues, 8% for 1996 and 7% for 1995. These costs include the costs of providing associate services and marketing costs other than commissions, which are direc... | 57 | 10K |
NatixisSA-AR_2013 | 8,433 | The report of the Board of Directors or the Executive Board presents, (…), the way in which the Company takes into account the social and environmental consequences of its activity, as well as its social commitments in terms of sustainable development | 41 | annual_report |
4507 | 1,055 | The segment’s expense ratio was higher in 2011, primarily due to higher compensation costs and lower segment revenue. The higher expense ratio in 2010, compared to 2009, primarily related to lower segment revenue in 2010. We terminated our interest in a derivative contract in 2010 and in a reinsurance contract in 2009,... | 132 | 10K |
1969 | 817 | Approximately 63.5% of the $5,146 million of agricultural mortgage loans outstanding at December 31, 2002 were subject to rate resets prior to maturity. A substantial portion of these loans generally is successfully renegotiated and remains outstanding to maturity. The process and policies for monitoring the agricultur... | 64 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2020 | 1,625 | As at the end of 2020, PZU’s receivables stood at PLN 1,689 million, and accounted for 3.8% of assets, whereas in the previous year they amounted to PLN 2,085 million (5.0% of PZU’s assets). The biggest drops were noted in the value of receivables on direct insurance (PLN -352 million y/y) and other receivables, includ... | 82 | annual_report |
fr_axa-AR_2011 | 3,983 | Executive Offi cer; ■ for Performance Shares granted after January 1, 2007, the | 13 | annual_report |
SwissLifeHoldingAG-AR_2012 | 2,148 | loan Commitments The Group has also entered into irrevocable commitments to extend credit in the form of loans and other instruments. They represent undrawn credit lines which are available to clients to secure their liquidity needs. With respect to credit risk, these commitments are contingent upon clients maintaining... | 61 | annual_report |
PowszechnyZakladUbezpieczenSA-AR_2014 | 797 | Group and PKN Orlen Group (mainly chemical plants, power plants, heat and power plants, and mines); • services in scope of additional health care packages for employees of Tauron Group and PKN Orlen Group and corporate and individual clients in Płock, Włocławek, and cities of Upper Silesia; • sanatorium and rehabilitat... | 55 | annual_report |
2895 | 1,999 | Our insurance subsidiaries maintain investment strategies intended to provide adequate funds to pay benefits without forced sales of investments. Products having liabilities with longer durations, such as certain life insurance and long-term care insurance policies, are matched with investments having similar estimated... | 153 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2020 | 2,729 | In 2020 the PZU Management Board adopted 364 resolutions – both at meetings and by written procedure or using means of direct remote communication. | 24 | annual_report |
AdmiralGroupPLC-AR_2013 | 1,293 | Audits for Group reporting purposes were performed by the Group audit team at the key reporting components in the UK and Italy. These audits covered 97% of total Group net revenue; 99% of Group profit before taxation; and 97% of total Group assets. The segment disclosures in note 4b set out the individual significance ... | 57 | annual_report |
4682 | 1,305 | During the years ended December 31, 2012 and 2011, the Company transferred fixed maturities between Level 2 and Level 3 primarily a result of assessing the significance of unobservable inputs on the fair value measurement. There were no transfers between Level 1 and Level 2 during 2012 and 2011. | 49 | 10K |
gb_prudential-AR_2010 | 1,665 | No other amounts were paid during the financial year or were receivable by directors (or past directors) in connection with leaving the organisation. No amounts were paid to Mike Wells, John Foley or to any other executive directors in connection with their appointment. | 43 | annual_report |
NatixisSA-AR_2019 | 1,262 | Management and oversight of corporate governance 65NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2019www.natixis.com | 11 | annual_report |
StandardLifeAberdeenPLC-AR_2015 | 4,469 | im ite d mail Standard Life Shareholder Services 34 Beckenham Road Beckenham Kent BR3 4TU | 15 | annual_report |
47 | 623 | Ratio of shareholders' equity to assets 28.2% 30.7% 31.7% 31.2% 29.8% | 11 | 10K |
NatwestGroupPLC-AR_2011 | 2,472 | - residential mortgages 20,548 460 97 2.2 21 0.5 225 221 - personal lending 6,816 35 35 0.5 100 0.5 81 110 - property 1,611 144 43 8.9 30 2.7 84 54 - other 33,110 388 649 1.2 167 2.0 35 171 RoW | 43 | annual_report |
AvivaPLC-AR_2020 | 607 | We have received strong customer feedback during the year and we are above the market average on both customer satisfaction score and retail net promoter score. The TNPS on motor and home claims demonstrate that our General Insurance claims teams are able to provide a full positive customer experience even during the C... | 54 | annual_report |
3355 | 1,229 | Consolidated Balance Sheets as of December 31, 2007 and December 31, 2006 | 12 | 10K |
de_allianz-AR_2014 | 204 | Despite the European Central Bank’s expansive monetary policy creating favorable conditions for stock markets in Europe, market appreciation in the region was modest, something that can be traced back to geopolitical crises and the Eurozone’s disappointing economic development. With these conditions in mind, the perfor... | 219 | annual_report |
4911 | 1,911 | In addition, most of GCM’s CDSs within AIGFP are subject to collateral posting provisions. The collateral posting provisions contained in the ISDA Master Agreements and related transaction documents with respect to CDSs differ among counterparties and asset classes. The amount of future collateral posting requirements ... | 116 | 10K |
5432 | 1,092 | Inflation can also have direct effects on the Company’s assets and liabilities. The primary direct effect of inflation is the increase in operating expenses. A large portion of the Company’s operating expenses consists of salaries, which are subject to wage increases at least partly affected by the rate of inflation. | 50 | 10K |
BaloiseHoldingLtd-AR_2014 | 1,380 | The accounting policies applied by the Baloise Group are described below. | 11 | annual_report |
RSAInsuranceGroupPLC-AR_2011 | 2,070 | Fair value gains net of tax 46 – – 46 – 46 | 12 | annual_report |
BeazleyPLC-AR_2018 | 683 | Environment Taking responsibility for our own use of resources as we conduct our business, to minimise our environmental footprint | 19 | annual_report |
4591 | 1,095 | Short-term investment funds: Primarily high-grade money market instruments valued at net asset value at year-end. | 15 | 10K |
1391 | 209 | The discussion entitled "Management's Discussion and Analysis of Financial Condition and Results of Operations" included in the 2000 Annual Report on pages 6 through 14 included as Exhibit 13 is incorporated herein by reference. | 34 | 10K |
3558 | 1,228 | We have established deferred compensation plans for certain key current and former employees and have certain other benefit plans which provide for retirement and other benefits. Liabilities for these plans are accrued as the related benefits are earned. | 38 | 10K |
2358 | 1,249 | Net income per common share is based on the weighted average number of common shares outstanding during each of the respective years. The calculation of net income per common share (diluted) assumes the exercise of stock options and the conversion of convertible senior debentures, which were issued by the company in 19... | 86 | 10K |
ASRNederlandNV-AR_2018 | 1,126 | Operating expenses increased € 1 million to € 185 million. Excluding Generali Nederland (€ 15 million) the operating expenses decreased with € 14 million as a result of the continued execution of migration programs and the phasing out of IT-systems (‘product- and systemrationalisation ’). In addition, project- and inte... | 54 | annual_report |
AssicurazioniGeneraliSpA-AR_2014 | 3,342 | In relation to the Group’s interests in subsidiaries, no significant restrictions exist on the Group’s ability to access or use its assets and settle its liabilities. For further more detailed information on this aspect, please refer to paragraph 4 Contingent liabilities, commitments, guarantees, pledged assets and col... | 47 | annual_report |
807 | 318 | At its March 3, 1998 meeting, the Board approved a first-quarter 1998 common stock dividend of $0.13 per share. The dividend is $0.01 per share (8.3%) higher than the amount paid in the fourth quarter of 1997. | 37 | 10K |
fr_axa-AR_2009 | 9,786 | €2 billion rights issue - Opening of the offering to the public in Belgium, Finland, Germany, Ireland, Luxembourg, Spain, Sweden, Switzerland and the United Kingdom (11/10/2009) | 26 | annual_report |
5571 | 2,327 | Significant items contributing to the changes to DAC and VOBA amortization in 2018 consisted of the following: | 17 | 10K |
3398 | 1,051 | In certain circumstances, the Company may receive an investment return based upon either the result of a pool of assets held by the cedant, generally used to collateralize the funds held balance, or the investment return earned by the cedant on its entire investment portfolio. This is most common in the Company’s life ... | 210 | 10K |
4014 | 2,858 | Income distributions on the Pass-Through Trust Securities and AGC CCS Securities were equal to an annualized rate of one-month LIBOR plus 110 basis points for all periods ending on or prior to April 8, 2008. Following dissolution of the Pass-Through Trust, distributions on the AGC CCS Securities are determined pursuant... | 93 | 10K |
de_allianz-AR_2006 | 1,290 | Outlook We estimate that growth rates in the South American life insurancemarket will remain attractive over the coming years. Accordingly, we seek to expand our presence in life insurance beyond our Colombian subsidiary. | 33 | annual_report |
4500 | 4,067 | Changes in Level 3 assets and liabilities-The following tables provide a summary of the changes in fair value of Level 3 assets and liabilities for the year ended December 31, 2011, as well as the portion of gains or losses included in income for the year ended December 31, 2011 attributable to unrealized gains or loss... | 68 | 10K |
StorebrandASA-AR_2006 | 2,216 | State Street Bank & Trust Co 4.87 Credit Agricole Investment 1.67 | 11 | annual_report |
2851 | 1,250 | The above table excludes certain commitments totaling $1.0 billion at December 31, 2005 to fund limited partnership investments. These capital commitments can be called by the partnerships during the commitment period (on average, 1 to 4 years) to fund working capital needs or the purchase of new investments. | 48 | 10K |
SwissReCorporateSolutions-AR_2015 | 460 | The following table shows the main foreign currencies in which the Company operated: Currency exchange rates in CHF per 100 units of foreign currency Closing rate Average rate Closing rate Average rate | 32 | annual_report |
2187 | 1,158 | Reinsurance Adjustments. Reinsurance related adjustments in 2003 consist of the release of a $8.2 million liability in conjunction with the settlement and amendment of a reinsurance arrangement and a $4.3 million true-up of pre-2003 reinsurance settlements under a reinsurance arrangement between ILIC’s open block and c... | 47 | 10K |
SwissLifeHoldingAG-AR_2008 | 2,963 | 2 The allocation of the shares was effected as at 30.03.2007 at economic value, which is equal to the tax value (CHF 287.7370), taking into account a blocking period of one year. The share price (closing price) on the day of allocation was CHF 305.00. | 45 | annual_report |
1089 | 1,100 | The market value of AAG's investment in Chiquita was approximately $26 million and $44 million at December 31, 1998 and 1997, respectively. | 22 | 10K |
AvivaPLC-AR_2015 | 20 | 2 2014 operating profit on an IFRS basis was restated to exclude amortisation and impairment of acquired value of in-force business which is now shown as a non-operating item. | 29 | annual_report |
gb_prudential-AR_2019 | 5,584 | Prudential Group Secretarial Services Limited OS 100.00% 1 Angel Court, London, EC2R 7AG, United Kingdom | 15 | annual_report |
NatwestGroupPLC-AR_2017 | 3,753 | Matters on which we are required to report by exception In the light of the knowledge and understanding of the Group and the parent company and its environment obtained in the course of the audit, we have not identified material misstatements in the strategic report or the directors’ report. | 49 | annual_report |
4701 | 414 | In the normal course of business, we limit the maximum net loss that can arise from large risks, risks in concentrated areas of exposure and from catastrophes, such as hurricanes or other similar loss occurrences, by purchasing certain reinsurance from other insurers or reinsurers to mitigate these potential losses. Ou... | 140 | 10K |
StorebrandASA-AR_2011 | 2,922 | Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited, a UK Limited company, and its network of member firms, each of which is a legally separate and independent entity. Please see www.deloitte.com/no/omoss for a detailed description of the legal structure of Deloitte Touche Tohmatsu and its member firms. | 50 | annual_report |
5260 | 507 | Net premium written is equal to gross premium written less the ceded premium written under the terms of Atlas’ in-force reinsurance treaties. Net premium written increased 6.1% to $180.1 million for the year ended December 31, 2016 compared with $169.7 million for the year ended December 31, 2015. These changes are att... | 71 | 10K |
4409 | 1,226 | The following table sets forth the significant components of the aggregate deferred tax (assets) and liabilities of the Company as of December 31, 2011 and 2010: | 26 | 10K |
NatwestGroupPLC-AR_2014 | 1,622 | The report sets out how pay arrangements will be implemented in the year ahead including the performance targets that will apply to the longterm incentive awards granted in 2015. An overview of our remuneration policy below Board level can be found in the ‘Other Remuneration | 45 | annual_report |
2622 | 1,740 | At December 31, 2004, the Company owned minority stakes in eight independent investment management companies (“Investment Management Affiliates”). These ownership stakes are part of the Company’s asset management strategy, pursuant to which the Company seeks to develop relationships with specialty investment management... | 88 | 10K |
AvivaPLC-AR_2019 | 3,631 | Strategic report Governance IFRS financial statements Other information 52 – Pension obligations continued Sensitivity analysis Significant actuarial assumptions for the determination of the defined benefit obligation are discount rate, inflation rate and mortality. The sensitivity analysis below has been determined by... | 81 | annual_report |
4321 | 907 | The Company had the following net unrealized gains (losses) as of December 31, 2010, 2009 and 2008: | 17 | 10K |
StorebrandASA-AR_2015 | 1,597 | Total net interest income Bank 377 462 1) Interest costs for other companies are included in the line "Interest expenses" in the Profit and Loss | 25 | annual_report |
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