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RaiffeisenBankInternationalAG-AR_2007
397
R.: I’m sorry, we have no reservations under the name Bazenko.
11
annual_report
SwissReAG-AR_2019
869
Management Credit risk is monitored and controlled by experts within the Financial Risk Management team. Financial Risk Management regularly monitors and reports on counterparty credit quality, credit exposures and limits. In addition, it is responsible for regularly monitoring corporate counterparty credit quality and...
74
annual_report
4712
3,698
The Encompass brand DAC amortization is higher on average than Allstate brand DAC amortization due to higher commission rates paid to independent agencies. Since Esurance uses a direct distribution model, its primary acquisition-related costs are advertising as opposed to commissions for the Allstate and Encompass bran...
154
10K
SwissLifeHoldingAG-AR_2020
1,401
GRI 102-16 Values, principles, standards and norms of behaviour S. 106–108, 119
12
annual_report
StorebrandASA-AR_2001
1,106
Storebrand Livsforsikring AS 100.0 % NOK 1 361.2 Storebrand Eiendom AS 100.0 % NOK 1.0 Storebrand Pensjonstjenester AS 100.0 % NOK 3.7 Aktuar Consult AS 100.0 % NOK 1.5 Aktuar Systemer AS 100.0 % NOK 4.1 Scanvik Corporation 100.0 % USD 8.0 Storebrand Kjøpesenter Holding AS 100.0 % NOK 14.0 Storebrand Nybygg AS 100.0 % ...
81
annual_report
1714
1,295
The major component of the Banking Practice is Bank Compensation Strategies and the BOLI business previously included in the CRG segment. Revenue increased 28.1% between 2001 and 2000 primarily due to strong first year sales in the community banking sector. Improvements in the gross profit percentage from 61.7% in 2000...
110
10K
4599
2,751
On January 1, 2010, we adopted new accounting guidance related to accounting for transfers of financial assets. This accounting guidance amends the previous guidance on transfers of financial assets by eliminating the qualifying special purpose entity concept, providing certain conditions that must be met to qualify fo...
111
10K
NatixisSA-AR_2012
205
2012 was a year for development of services provided to clients, with the roll-out of trading tools, electronic interfaces, and the expansion of the proprietary NXS indices, thus highlighting the bank’s considerable expertise in fi nancial engineering.
37
annual_report
SwissReAG-AR_2017
3,787
An overview of the subordinated funding facilities is provided in the following table: 7 Change in shareholders’ equity
18
annual_report
3274
1,487
In connection with the acquisition of Heritage on May 28, 2004, the Company amended the Credit Agreement by increasing the facility to $120 million from $80 million (the “Amended Credit Agreement”), including an increase in the term loan portion to $105 million from $36.4 million (the balance outstanding at May 28, 200...
66
10K
1117
403
In June 1998, the FASB issued SFAS No. 133, "Accounting for Derivative Instruments and Hedging Activities," which establishes accounting and reporting standards for derivative instruments, including certain derivative instruments embedded in other contracts (collectively referred to as "derivatives") and for hedging ac...
76
10K
1684
442
Restructured mortgage loans totaled $5.7 million and $8.5 million at December 31, 2001 and 2000, respectively, and represent loans that have been refinanced with terms more favorable to the borrower. Interest lost on restructured loans was immaterial for 2001 and 2000.
41
10K
4781
711
Net Investment Income in the Kemper Direct segment decreased by $0.5 million for the year ended December 31, 2013, compared to 2012, due primarily to lower levels of investments allocated to the Kemper Direct segment and lower yields on investments in fixed maturities, partially offset by higher net investment income f...
62
10K
PowszechnyZakladUbezpieczenSA-AR_2017
3,420
Cost / Income Ratio (C/I; banking sector) – quotient of a bank’s operating expenses to its income: on interest, fees and commissions and tradingji
24
annual_report
NatwestGroupPLC-AR_2007
4,903
Notes: (1) For the analysis above, ‘Domestic’ consists of the UK domestic transactions of the Group. ‘Foreign’ comprises the Group’s transactions conducted through offices outside the UK
27
annual_report
4779
2,816
Total assets includes $111.0 billion of assets from the Japan operations which represents 13% of total consolidated assets.
18
10K
AegonNV-AR_2002
248
Higher credit losses, low interest rates, combined with lower fee income, seriously influenced financial performance. In the context of these developments, adhering to a disciplined long-term strategy that emphasizes diversification, excellent client and customer support, expense management and prudent risk management ...
45
annual_report
NatixisSA-AR_2018
11,265
Job openings filled through internal transfers (%) 55.7 58.9 50.3 7.7 14.2 13.8 55.8 51.5 15.5 15.5 13.0 6.6 47.4 49.9 43.0
22
annual_report
5920
1,038
Our reporting currency is the U.S. dollar. Assets and liabilities of certain of our subsidiaries and equity method investees whose functional currency is not the U.S. dollar are translated at period end exchange rates. Revenues and expenses of such foreign entities are translated at average exchange rates during the ye...
69
10K
de_allianz-AR_2014
1,842
Accounting rules for the classification, valuation and disclosure of all items in the balance sheet, income statement and related notes of the annual and interim financial statements are primarily defined in our Group accounting manual. Internal controls are embedded in the accounting and consolidation processes to saf...
60
annual_report
NatwestGroupPLC-AR_2013
2,477
• Ensures that commercial strategies are aligned with the use of available financial resources.
14
annual_report
459
152
The Registrant segments its business internally and matches projected cash inflows and outflows within each segment. Targets for money market holdings are established for each segment, which in the aggregate meet the day to day cash needs of the Registrant. If greater liquidity is required, government issued bonds, whi...
73
10K
de_allianz-AR_2019
500
System of Governance. For further information on our risk organization and risk principles, please refer to page 76. For further information on our Integrated Risk and Control System for Financial Reporting, please refer to page 92.
36
annual_report
3608
795
Scheduled repayments of long-term debt in 2008 and in the four succeeding years are $260 million, $408 million, $558 million, $8 million and $259 million, respectively.
26
10K
SwissReCorporateSolutions-AR_2017
321
Derivative financial instruments – assets 22 22 22 Reverse repurchase agreements 97 97 –97 0
15
annual_report
AvivaPLC-AR_2005
182
The EU Modernisation Directive requires that business reviews contain financial and, where applicable, non-financial key performance indicators. We consider that our key financial performance indicators (KPIs) are those that communicate the financial performance and strength of the group as a whole to the members. Thes...
52
annual_report
5387
2,825
From time to time, the Company is subject to routine legal proceedings, including arbitrations, arising in the ordinary course of business. These legal proceedings generally relate to claims asserted by or against the Company in the ordinary course of insurance or reinsurance operations. Estimated amounts payable under...
64
10K
AegonNV-AR_2002
1,059
This item comprises the following loans USD 100 million 74⁄5% Capital Trust Pass-through Securities 1996/2026 95 113 USD 225 million 713⁄20% Capital Trust Pass-through Securities 1996/2026 215 255 USD 190 million 75⁄8% Capital Trust Pass-through Securities 1997/2037 181 216
39
annual_report
3741
1,093
Our non-catastrophe reinsurance contract provides excess-of-loss coverage for losses arising out of property business up to $1,700 in excess of $1,000 per risk. Should a loss recovery, or series of loss recoveries, exhaust the coverage provided under the contract for losses arising out of property business, one reinsta...
146
10K
5885
812
The accompanying financial statements is presented in conformity with U.S. GAAP and pursuant to the rules and regulations of the SEC.
21
10K
fr_axa-AR_2014
3,712
Treasury shares held directly by the Company 49,719 0.00% [0.00%] (c)
11
annual_report
RaiffeisenBankInternationalAG-AR_2013
637
The segment posted net income from derivatives of minus € 4 million (2012: plus € 16 million) for the reporting period, mainly due to valuation losses from various hedging transactions, carried out to adjust the currency and interest-rate structure in the Czech Republic.
43
annual_report
NatwestGroupPLC-AR_2016
7,202
Guarantees and assets pledged as collateral security 1,819 610 560 4,878 7,867 9,036
13
annual_report
StandardLifeAberdeenPLC-AR_2012
592
• Review any performance- related pay schemes operated by the Group.
11
annual_report
1957
522
The principal sources of funds for Mercury General’s insurance subsidiaries are premiums, sales and maturity of invested assets and dividend and interest income from invested assets. The principal uses of funds for Mercury General’s insurance subsidiaries are the payment of claims and related expenses, operating expens...
144
10K
Sampoplc-AR_2008
469
Premiums written before reinsurers' share EURm 4,057 4,085 4,019 3,962 2,427
11
annual_report
Sampoplc-AR_2020
736
If P&C Insurance Ltd – Insurance Financial Strength Rating A1 Stable A+ Stable
13
annual_report
727
146
The executive offices of Transamerica Corporation are located in the Transamerica Pyramid in San Francisco, California, a 48-story office building. Approximately 15% of the 460,000 square feet of rentable space is occupied by Transamerica and some of its subsidiaries.
39
10K
AvivaPLC-AR_2017
3,365
Investment variances and economic assumption changes were £34 million positive (2016: £379 million positive). The variance in 2017 is driven by positive variances in the UK, which are partially offset by negative variances in France.
35
annual_report
AssicurazioniGeneraliSpA-AR_2019
5,028
2. The adequacy of the administrative and accounting procedures in place for preparing the consolidated financial statements as at 31 December 2019 has been assessed through a process established by Assicurazioni Generali S.p.A. on the basis of the guidelines set out in the Internal Control – Integrated Framework issue...
63
annual_report
5650
795
We are committed to using the Longest Life Expectancy methodology going forward based upon using the longest life expectancy report received from the Life Expectancy Providers used for pricing at the time a life insurance policy is purchased (the “Longest Life Expectancy”).
42
10K
StandardLifeAberdeenPLC-AR_2014
2,622
Canada The liabilities of the Canadian business have been classified as held for sale at 31 December 2014. The Canadian economic environment at the reporting date is used to determine the expected interest rates for the current valuation. The expected experience scenario of risk free rates is derived from the yield cur...
69
annual_report
1359
1,012
Start-up Costs Prior to 1999, AAG, an 83%-owned subsidiary, deferred certain costs associated with introducing new products and distribution channels and amortized them on a straight-line basis over 5 years. In 1999, AAG implemented Statement of Position ("SOP") 98-5, "Reporting on the Costs of Start-Up Activities." Th...
106
10K
1807
416
Operating losses decreased approximately $808,000, or 25.2%, from a loss of $3.2 million for the year ended December 31, 2000 to a loss of $2.4 million in 2001 due primarily to management fees allocated to an affiliated entity.
38
10K
5518
1,895
Adjusted net investment income presented in the yield table varies from the most directly comparable GAAP measure due to certain reclassifications, as presented below.
24
10K
AvivaPLC-AR_2009
2,795
Goodwill and Equity intangibles interests Loans Total 2008 £m £m £m £m
12
annual_report
StandardLifeAberdeenPLC-AR_2014
3,535
PVNBP – Spread/risk and Other 155 449 604 361 465 826
11
annual_report
5479
1,399
Net cash provided by financing activities for the year ended December 31, 2017 was $92.4 million and included $5.0 million of proceeds from the 8.5% Senior Secured Notes; $86.4 million of borrowings from the White Eagle Revolving Credit Facility; $2.8 million of borrowings from the 15% Promissory Note and $19.2 million...
83
10K
ASRNederlandNV-AR_2017
833
Profit / (loss) for the year attributable to holders of equity instruments 12 8
14
annual_report
4051
2,839
On April 17, 2009, AIG and the FRBNY entered into Amendment No. 3 to the FRBNY Credit Agreement. The FRBNY Credit Agreement was amended, among other things, to remove the minimum 3.5 percent LIBOR borrowing rate floor.
37
10K
4232
860
Under the revised other-than-temporary impairment model for debt securities held, we recognize an impairment loss in income in an amount equal to the full difference between the amortized cost basis and the fair value when we have the intent to sell the debt security or it is more likely than not we will be required to...
218
10K
Sampoplc-AR_2007
1,781
IFRS Financial Statements: Other Notes | sampo group annual report 2007 93 5 Change in Liabilities for Insurance and Investment Contracts p&c insurance
23
annual_report
NatwestGroupPLC-AR_2009
1,751
The use and approach to credit risk mitigation varies by product type, customer and business strategy. Minimum standards applied across the Group cover: • General requirements, including acceptable credit risk mitigation types and any conditions or restrictions applicable to those mitigants; • The maximum loan-to-value...
228
annual_report
3310
629
Upon notification of a reinsurance claim from a ceding company, claim examiners make independent evaluations of loss amounts. In some cases, examiners’ estimates differ from amounts reported by ceding companies. If the examiners’ estimates are significantly greater than the ceding company’s estimates, the claims are fu...
113
10K
3395
697
Following are key indicators that management uses to manage and assess the performance of the Insurance Services segment:
18
10K
4431
613
Underwriting and other expenses for 2011 decreased when compared to 2010 and 2009. The decrease reflects our reductions in headcount as well as our lower contract underwriting volume.
28
10K
5450
1,154
services product along with general liability, small commercial and other casualty products. Excess occurrence encompasses commercial and personal umbrella, while claims made includes select lines within the professional services product and medical professional liability and executive products. Reported claim counts r...
91
10K
HannoverRueckSE-AR_2000
331
Notwithstanding the aforementioned negative factors, the overall business performance in the ASEAN region was satisfactory – a result primarily made possible by our regional diversification and the favourable loss experience in fire material damage insurance.
35
annual_report
AegonNV-AR_2018
1,022
Members of Aegon’s Supervisory and Executive Boards may be suspended or dismissed by the General Meeting of Shareholders with a two-thirds majority of votes cast, representing at least one half of Aegon’s issued capital, unless the suspension or dismissal has first been proposed by the Company's Supervisory Board. A me...
53
annual_report
5742
1,116
ASC 326 "Financial Instruments - Credit Losses" This update amends the guidance on the impairment of financial instruments. The update adds an impairment model known as the current expected credit loss model that is based on expected losses rather than incurred losses and will generally result in earlier recognition of...
227
10K
NatixisSA-AR_2008
1,409
Airport; No. 11 MLA in project fi nance in Australia, source: Dealogic), as well as a breakthrough in Asia, with the key Lion
23
annual_report
gb_prudential-AR_2019
526
Basic earnings per share based on adjusted operating profit after tax from continuing operations 175.0 145.2 21 146.0 20
19
annual_report
5019
1,520
Our expenses consist largely of net loss and LAE, commission and other acquisition expenses, general and administrative expenses, interest and amortization expenses, amortization of intangible assets and foreign exchange and other gains or losses. Net loss and LAE has three main components:
42
10K
4020
324
Item 229.407(3)(5) "Compensation Committee Report" This registrant does not employ a compensation committee. However Spence-Lingo maintains a written plan regarding executive compensation in order that the objectives and intents of the Company's compensation package and inherent awards are realized.
39
10K
Sampoplc-AR_2004
94
’s f un d u nit ho lde rs pa sse d t he qu art ermi
17
annual_report
3557
6,980
Prior to July 1999, upon an employee’s retirement, a distribution from pension plan assets was used to purchase a single premium annuity from Protective Life in the retiree’s name. Therefore, amounts shown above as plan assets exclude assets relating to such retirees. Since July 1999, retiree obligations have been fulf...
88
10K
NatixisSA-AR_2007
2,312
In 2007, IT Systems’ governance framework was validated, and the various business lines and subsidiaries defi ned their target applications. Efforts then focused on the gradual migration of activity towards these target applications
33
annual_report
CNPAssurancesSA-AR_2020
1
Postale and becoming part of the major state-owned financial group, we have laid down our corporate mission and are looking ahead to a new chapter in our development. Together with our partners, we commit to building a more inclusive and sustainable society, and are setting out our global ambitions, our appetite for ex...
62
annual_report
RaiffeisenBankInternationalAG-AR_2018
6,011
Return on equity (ROE before/after tax) – provides a profitability measure for both management and investors by expressing the net profit for the period as presented in the income statement as a percentage of the respective underlying (either equity related or asset related). Return on equity demonstrates the profitabi...
128
annual_report
AvivaPLC-AR_2015
5,129
1 See ‘financial and operating performance’ for further details. 2 Association of British Insurers (ABI) Stats published Q3 2015.
19
annual_report
4786
835
We currently intend to declare our first regular cash dividend, in the amount of $0.30 per Common Share, on or about April 1, 2014. Whereas we currently expect that we will have sufficient retained earnings at that time to declare a dividend of this amount, any such dividend will be dependent upon the actual amount of ...
88
10K
PhoenixGroupHoldingsPLC-AR_2010
732
The output from the Board and individual Director reviews informed the review of the Board composition and structure undertaken by the Nomination Committee in March 2011.
26
annual_report
NatwestGroupPLC-AR_2008
378
Operating profit before impairment 1,401 11,392 (32,595) 11,800 Impairment losses before reclassified asset impairment 6,962 2,104 8,072 1,968 Impairment losses on reclassified assets 466 — — —
27
annual_report
3387
2,749
13.8% of the outstanding common stock of Prudential Insurance and other items specified in the indenture, primarily the “Debt Service Coverage Account” (the “DSCA”) discussed below.
26
10K
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2020
686
At ERGO, all classroom seminars have been transformed into virtual courses since the beginning of the coronavirus pandemic. ERGO has developed its own digital platform, the e-campus, which offers courses for independent learning. A further platform provides digital content in the areas of management, innovation and dig...
64
annual_report
HiscoxLtd-AR_2003
476
Longer term investment return credited to operating profit/(loss) and to the general business technical account 106,651 94,945 Actual investment return included in profit/(loss) on ordinary activities in the non-technical account 92,979 74,741
32
annual_report
SwissReAG-AR_2020
6,201
Wellbeing pulse survey, April We were pleased to see that most of our employees (89%) experienced a consistently positive level of wellbeing.
22
annual_report
2195
905
Property and equipment consisted mainly of real estate properties located in the Dallas/Fort Worth metroplex areas. TXHC acquired these properties from Kaiser Foundation Health Plan of Texas ("Kaiser-Texas"), for $44.0 million as part of the acquisition of certain assets of Kaiser-Texas in October 1998. In June 2000, a...
174
10K
4709
1,868
During March 2012, the Centers for Medicare and Medicaid Services ("CMS") issued new Supplemental Security Income ("SSI") ratios used for calculating Medicare Disproportionate Share Hospital ("DSH") reimbursement for federal fiscal years ("FFYs") ending September 30, 2006 through September 30, 2009. As a result of thes...
139
10K
AdmiralGroupPLC-AR_2008
669
He was the Group Finance Director of Friends Provident plc between 2001 and 2003 and Friends’ Provident Life Office between 1999 and 2001. Prior to that he was the Group Finance Director at London & Manchester Group plc from 1992 to 1998, up to the date of its acquisition by Friends’ Provident Life Office. Martin is al...
71
annual_report
2384
790
The decreases in gross and net premiums written in 2004 compared to 2003, and the increases in 2003 compared to 2002, were largely due to a non-refundable, $114 million single premium policy executed in 2003 pursuant to which PMI restructured the insurance coverage of certain loans under then-existing primary insurance...
93
10K
fr_axa-AR_2007
4,277
— The entry in the scope of consolidation of AXA Minmetals as at December 31, 2007 (€16 million).
18
annual_report
2909
3,590
During 2003, reserve reestimates included $29 million for other discontinued lines exposures in run-off, and $23 million related to the cost of administering claim settlements and miscellaneous run-off exposures.
29
10K
4334
2,044
The Company’s long-term debt consists of notes and debentures as follows:
11
10K
3912
1,896
NIMS VIE debt represents the consolidated NIMS trust obligations that we were required to consolidate in accordance with FIN 46R as of December 31, 2008. See Note 6 “Special Purpose Entities,” for further information. In 2008, we elected in accordance with SFAS No. 159, to record at fair value the consolidated NIMS VIE...
195
10K
1136
186
· Short-term investments - at cost, which approximates current market value.
11
10K
LloydsBankingGroupPLC-AR_2013
7,576
Cash and cash equivalents at end of year 101,058 – – 101,058
12
annual_report
494
334
Property and equipment - net 53,103 10,037 Goodwill and other intangibles (net of accumulated amortization of $2,397,000 and $996,000) 155,458 6,851 Other assets 32,482 34,710 -------- -------- Total assets $836,120 $721,289 -------- -------- -------- --------
35
10K
3086
837
Prior to January 1, 2006, we accounted for share-based compensation plans in accordance with the provisions of APB Opinion No. 25, Accounting for Stock Issued to Employees, as permitted by SFAS No. 123. Accordingly, no compensation expense was recognized for our stock options since all options granted had an exercise p...
73
10K
gb_prudential-AR_2013
698
Asset management business: Total operating profit based on longer-term investment returns 2,954 2,520 17 2,509 18
16
annual_report
SwissLifeHoldingAG-AR_2014
573
The General Meeting of Shareholders elects an independent voting representative. His term of office ends after completion of the next ordinary General Meeting of Shareholders. Re-election is possible. The independent voting representative is obliged to exercise the represented voting rights pursuant to the instructions...
90
annual_report
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2013
1,045
North America 36.6% Germany 26.3% Rest of Europe 23.1% UK 12.4% Other countries 1.6%
14
annual_report
StandardLifeAberdeenPLC-AR_2016
1,411
The Group Views on Risk report includes dashboards on financial exposures, conduct and operational risks and capital. The Committee reviews this information at each meeting to monitor risks relative to quantitative and qualitative appetites and the resilience of the capital position under current and stressed condition...
145
annual_report
3084
871
The estimated percentage of the December 31, 2006 PVFP balance net of interest accretion, before the effect of unrealized investment gains or losses, to be amortized over each of the next five years is as follows:
36
10K
1440
479
Interest credited to interest sensitive contract liabilities increased from $5.5 million in 1999 to $17.4 million in 2000 as a result of two new reinsurance treaties written by SALIC in 2000 and the annuity business written by Scottish Re; the latter recording an interest expense in only the fourth quarter of 1999, com...
82
10K
4827
1,008
A summary of fixed maturities available for sale and equity securities by cost or amortized cost and estimated fair value at December 31, 2013 and 2012 is as follows:
29
10K
4673
690
Basic EPS is computed based on the weighted average number of common shares (including participating securities) issued and outstanding during the period. Diluted EPS is computed based on the weighted average number of common shares issued and outstanding plus equivalent shares, assuming the exercise of stock options. ...
114
10K
4034
1,472
Shelbourne is a holding company of a Lloyd’s Managing Agency, Shelbourne Syndicate Services Limited. Enstar owns approximately 56.8% of Shelbourne, which in turn owns 100% of Shelbourne Syndicate Services Limited, the Managing Agency for Lloyd’s Syndicate 2008, a syndicate approved by Lloyd’s of London on December 16, ...
227
10K
RSAInsuranceGroupPLC-AR_2006
871
On initial recognition, the financial assets may be categorised into the following categories: financial assets at fair value through the income statement, loans and receivables, held to maturity financial assets and available for sale financial assets. The classification depends on the purpose for which the investment...
58
annual_report
SwissReAG-AR_1996
984
M ethod of consolidation: e equity f full - non-consolidated 1 acq u is ition /
16
annual_report