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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5942 | 1,729 | These insurance liabilities are accrued over the accumulation phase of the contract in proportion to actual and future expected policy assessments based on the level of guaranteed minimum benefits generated using multiple scenarios of separate account returns. The scenarios are based on best estimate assumptions consis... | 204 | 10K |
4370 | 3,324 | ASSETS AND LIABILITIES MEASURED AT FAIR VALUE ON A RECURRING BASIS | 11 | 10K |
23 | 1,184 | The increase in pre tax income was due to a 14% increase in revenue over a relatively fixed expense base. The division continued to lower lead generation costs and development costs associated with a new commission payment system during 1993. The 1992 results were negatively affected by approximately $2 million due to ... | 76 | 10K |
fr_axa-AR_2005 | 3,292 | EMPLOYEE BENEFITS Actuarial gains and losses recorded against opening shareholders’ equity are no longer amortized through the income statement (Administrative expenses). New actuarial gains and losses generated since January 1, 2004 are recognized in a specific component of shareholders’ equity. This new reserve total... | 52 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2013 | 1,889 | Write-downs amounting to €101m (52m) result mainly from anticipated changes which have now occurred in the regulation of solar power in Spain. | 22 | annual_report |
2280 | 672 | (1) The change in net unrealized appreciation is net of reclassification adjustments and income taxes (see Note 15). | 18 | 10K |
StandardLifeAberdeenPLC-AR_2014 | 266 | Third party1 AUM increased to a record £117.5bn (2013: £89.8bn) representing 48% of total AUM (2013: 53%). Strategic partner life business AUM increased to £128.4bn (2013: £80.3bn). As a result, total AUM reached a record £245.9bn (2013: £170.1bn). | 38 | annual_report |
DirectLineInsuranceGroupPLC-AR_2013 | 1,831 | FIT’s total fees for the provision of remuneration-related advice in 2013 were £197,793 exclusive of VAT. FIT’s fees were charged on the basis of the firm’s standard terms of business for advice provided. | 33 | annual_report |
NatixisSA-AR_2015 | 7,596 | Natixis SA sold its branch representative offi ce in Vietnam to BPCE International et Outre-Mer through a transfer agreement dated September 29, 2015. This disposal did not have a material impact on Natixis’ income at December 31, 2015. | 38 | annual_report |
5404 | 1,367 | When determining collectability and the period over which the value is expected to recover for U.S. and foreign corporate securities, foreign government securities and state and political subdivision securities, the Company applies the same considerations utilized in its overall impairment evaluation process, which inc... | 156 | 10K |
2358 | 821 | • Investment income - Pretax investment income reached a new record of $492 million in 2004, rising 5.7 percent from the prior record in 2003. Growth in investment income over the past two years has been driven by strong cash flow for new investments, higher interest income from the growing fixed-income portfolio and i... | 61 | 10K |
StandardLifeAberdeenPLC-AR_2015 | 805 | Directors’ remuneration report together with details of the executive Directors’ service contracts and non-executive Directors’ appointment letters. | 17 | annual_report |
gb_prudential-AR_2003 | 595 | Elements of the remuneration package Basic salary The Remuneration Committee normally reviews executive directors’ salaries each year on an individual basis having regard to business results, individual accountabilities and performance, and market conditions. | 33 | annual_report |
RaiffeisenBankInternationalAG-AR_2015 | 3,079 | ZHS Office- & Facilitymanagement GmbH, Vienna (AT) 36,336 EUR 1.0% BR | 11 | annual_report |
5516 | 2,128 | We regularly review DAC to determine if it is recoverable from future income. In 2018, 2017 and 2016, we performed loss recognition testing and determined that we had premium deficiencies in our fixed immediate annuity products. In 2016, as a result of our loss recognition testing we wrote off the entire DAC balance fo... | 135 | 10K |
479 | 489 | Total revenue increased from $35.9 million in 1995 to $40.7 million in 1996, an increase of $4.8 million or 13.4%. Net premiums written decreased from $15.0 million in 1995 to $12.6 million in 1996, a decrease of $2.4 million or 16.0%. The decrease in net premiums was principally due to an increase in reserves to provi... | 70 | 10K |
GjensidigeForsikringASA-AR_2016 | 3,120 | We have audited the financial statements of Gjensidige Forsikring ASA. The financial statements comprise: • The financial statements of the parent company, which comprise the balance sheet as at 31 December 2016, and income statement, statement of comprehensive income, statement of changes in equity, cash flow for the ... | 65 | annual_report |
AegonNV-AR_2019 | 1,776 | Irving W. Bailey (up to May 20, 2016) Fees 135 139 - - - | 14 | annual_report |
2772 | 854 | On December 31, 2005, the Company completed the sale of Financial’s leasing division, OFC Capital, to OFC Servicing Corporation, a subsidiary of MidCountry. Included in other long-term investments in affiliates is a note receivable of $55.5 million related to this transaction. | 41 | 10K |
PosteItalianeSpA-AR_2020 | 8,795 | The effective portion of changes in the fair value of derivatives that are designated and qualify as cash flow hedges after initial recognition is recognised in a specific equity reserve (the Cash flow hedge reserve, within line “Item 110 – Valuation reserve”). A hedging transaction is generally considered highly effec... | 120 | annual_report |
StandardLifeAberdeenPLC-AR_2020 | 2,274 | The related statement under the Listing Rules set out on page 102 is materially consistent with the financial statements and our audit knowledge | 24 | annual_report |
2639 | 590 | Of the $207.6 million in cash and cash equivalents held at December 31, 2004, including discontinued operations, $2.3 million was held by discontinued operations and $129.7 million was designated for use only by the regulated subsidiaries. Amounts are available for transfer to the holding company from the HMO and insur... | 97 | 10K |
4497 | 1,259 | In the first quarter of 2009, HighMount recorded a non-cash ceiling test impairment charge of $1.0 billion ($660 million after tax) related to the carrying value of its natural gas and oil properties. The write-down was the result of declines in commodity prices. Had the effects of HighMount’s cash flow hedges not been... | 77 | 10K |
NatixisSA-AR_2012 | 3,045 | On February 27, 2007, the judge accepted all aspects of the Harris Associates L.P. motion and rejected the motion of the plaintiffs. On March 20, 2007 the plaintiffs appealed that decision. Both parties fi led written arguments and appeared before the Court of Appeals on September 10, 2007. | 48 | annual_report |
NatwestGroupPLC-AR_2007 | 2,551 | Group and the company. In preparing those accounts, the directors are required to: • select suitable accounting policies and then apply them consistently; • make judgements and estimates that are reasonable and prudent; and | 34 | annual_report |
4136 | 870 | Expected maturities may differ from contractual maturities because certain borrowers may have the right to call or prepay obligations with or without penalties. The Company’s amortized cost and estimated fair values of fixed-income securities at December 31, 2009 by contractual maturity were as follows (in thousands): | 46 | 10K |
AegonNV-AR_2016 | 3,837 | Aegon UK at December 31, 2016, and December 31, 2015 is presented in the following table. | 16 | annual_report |
5634 | 8,098 | Our practice for acquiring and monitoring municipal bonds is predominantly based on the underlying credit quality of the primary obligor. We currently rely on the primary obligor to pay all contractual cash flows and are not relying on bond insurers for payments. As a result of downgrades in the insurers’ credit rating... | 68 | 10K |
CNPAssurancesSA-AR_2013 | 42 | “our position in Brazil has been strengthened, reflecting our deep and lasting commitment to Latin America and our growth potential.” | 20 | annual_report |
ch_zurich_insurance_group-AR_2017 | 1,530 | Life insurance risk The risks associated with life insurance include: Life liability risk kk Mortality risk – when on average, the death incidence among the policyholders is higher than expected kk Longevity risk – when on average, annuitants live longer than expected kk Morbidity risk – when on average, the incidence ... | 69 | annual_report |
1451 | 701 | As of December 31, 2000, each of our domestic insurance companies' total adjusted capital was significantly in excess of the authorized control level risk-based capital level prescribed by the National Association of Insurance Commissioners. | 34 | 10K |
4824 | 1,070 | Net investment income for the years ended December 31, 2013, 2012 and 2011, is comprised of the following: | 18 | 10K |
4808 | 1,502 | During 2013, the DIB funded maturities and repurchased debt in the open market in the amount of $2.5 billion. The repurchased debt resulted in a loss on extinguishment of debt of $15 million. | 33 | 10K |
4525 | 271 | ALCO’s main subsidiaries, ALC, CAC and ESA use the Hong Kong dollar as its currency. The exchange rate for HK$ to US dollars has varied by very little during the period between 2002 and 2012. Thus, the consistent exchange rate used has been 7.80 HK$ per each US dollar. Since there have been no greater fluctuations in t... | 123 | 10K |
3893 | 1,066 | During the year ended December 31, 2008, there was a significant deterioration in the issuer's financial condition of one of our Company's holdings, American International Group, Inc. Accordingly, the Company recorded an other-than-temporary impairment charge of $1,032 for this security. During the years ended December... | 79 | 10K |
de_allianz-AR_2003 | 1,582 | billion euros to the investment income (also see table 38 “Supplementary information on insurance business – Investment income ” on page 157 of the Notes to the Consolidated Financial | 29 | annual_report |
HiscoxLtd-AR_2015 | 1,198 | 2.7 Financial assets and liabilities including loans and receivables The Group has classified financial assets as a) financial assets designated at fair value through profit or loss, and b) loans and receivables. Management determines the classification of its financial investments at initial recognition. The decision ... | 109 | annual_report |
fr_axa-AR_2017 | 5,889 | The European Insurance and Occupational Pensions Authority (“EIOPA”) continues to issue regulations and guidelines under Solvency II. In addition it will review the consistency of European insurer’s internal models and any such review may lead to further regulatory changes to increase convergence and to strengthen over... | 128 | annual_report |
2756 | 680 | In September 2005, the FASB issued a revised exposure draft of a proposed amendment to Statement of Financial Accounting Standards No. 128, “Earnings per Share” (“FAS128”). The draft clarifies guidance for mandatorily convertible instruments, the treasury stock method, contingently issuable shares, and contracts that m... | 123 | 10K |
StandardLifeAberdeenPLC-AR_2016 | 2,440 | Policyholder tax (net of tax at UK standard rate) 241 107 Permanent differences 2 9 Tax effect of accounting for non-controlling interests (10) (13) Tax effect of accounting for share of profit from associates and joint ventures (13) (9) Different tax rates (5) (19) Adjustment to current tax expense in respect of prior... | 89 | annual_report |
697 | 131 | The parent holding company has met its liquidity and capital needs principally through dividends paid by its subsidiaries. The insurance subsidiaries' ability to pay cash dividends to the parent company is generally restricted by law or subject to approval of the insurance regulatory authorities of the states in which ... | 89 | 10K |
RaiffeisenBankInternationalAG-AR_2017 | 1,042 | This segment essentially comprises net income from Group head office’s governance functions and from other non-operational Group units. As a result, its net income is generally more volatile. In 2017 operating income increased mainly due to higher dividend income from Group units belonging to other segments. Other resu... | 111 | annual_report |
4202 | 964 | A reduction in net renewal premiums of $10.6 million or 4%. | 11 | 10K |
2871 | 627 | At December 31, 2005, fixed maturity investments included $6.2 billion of structured securities (or 28 percent of all fixed maturity securities). Structured securities include mortgage-backed securities, collateralized mortgage obligations and commercial mortgage-backed securities. CMOs are backed by pools of mortgages... | 184 | 10K |
1201 | 245 | Premiums retained by agents - A summary of agent retention and agent revenues is as follows: | 16 | 10K |
RSAInsuranceGroupPLC-AR_2019 | 2,095 | The table below shows the salaries that will apply from 1 April 2020. The level of increase is below the average increase levels for other UK-based employees this year: Director | 30 | annual_report |
TrygAS-AR_2008 | 2,157 | Number of full-time employess, end of period 2,223 2,215 2,231 2,242 2,377 | 12 | annual_report |
BaloiseHoldingLtd-AR_2017 | 1,966 | changes in fair value recognised in profit or loss1 – 6.8 59.7 52.9 changes in fair value not recognised in profit or loss2 18.7 8.0 26.7 | 26 | annual_report |
3304 | 1,009 | The table below presents our total fixed maturity securities by NAIC designation and the equivalent ratings of the nationally recognized securities rating organizations (dollars in thousands). | 26 | 10K |
NatixisSA-AR_2020 | 9,554 | Parent company financial statements and notes 441NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2020www.natixis.com | 11 | annual_report |
ch_zurich_insurance_group-AR_2016 | 3,858 | New business annual premium equivalent (APE) is calculated as new business annual premiums plus 10 percent of single premiums, before the effect of non-controlling interests. Present value of new business premiums (PVNBP) is calculated as the value of new business premiums discounted at the risk-free rate, before the e... | 52 | annual_report |
gb_prudential-AR_2001 | 1,145 | Market price at 31 December 796p 1,077p 1,220p 908p 734p * Comparative results have been restated for the reallocation of Asia Regional Head Office costs from Asia development expenses to Corporate expenditure, the reallocation of interest payable on non-core borrowings to shareholders’ investment return and other inco... | 57 | annual_report |
gb_prudential-AR_2017 | 1,115 | — Tax Risk Policy, covering our processes to identify, measure, control and report on tax‑related risks, including technical judgement, operational, regulatory and reputational tax risk. | 25 | annual_report |
AegonNV-AR_2012 | 230 | �� Central & Eastern Europe Active in six countries: Czech Republic, Hungary, Poland, | 13 | annual_report |
5868 | 3,331 | •Policy charges and other miscellaneous income - $5 million unfavorable impact in 2020 and $1 million favorable in 2019. | 19 | 10K |
HannoverRueckSE-AR_2015 | 2,984 | Number of rights existing at 31 December 2015 247,342 704,365 62,968 10,799 – | 13 | annual_report |
1868 | 1,356 | The cost and fair value of fixed maturities available-for-sale at December 31, 2001, by expected maturity, were as follows (in millions): | 21 | 10K |
4615 | 415 | APPCIC also obtained coverage from the FHCF. The approximate coverage is estimated to be for 90% of $13.3 million in excess of $5.0 million. The estimated premium that APPCIC plans to cede to the FHCF for the 2012 hurricane season is $888 thousand. | 43 | 10K |
AegonNV-AR_2009 | 946 | AEGON companies have also issued debt securities that, for the large part, are guaranteed by AEGON N.V. | 17 | annual_report |
5863 | 543 | •Cash flows from operations were $22.2 billion, an increase of 20%. | 11 | 10K |
1219 | 438 | The information contained in "Selected Financial Data" in the Annual Report is incorporated herein by reference. | 16 | 10K |
RaiffeisenBankInternationalAG-AR_2010 | 3,387 | RBI aims at stabilizing its core capital ratio when managing exchange rate risks. Changes in foreign exchange rates thus lead to changes in consolidated capital amounts; however, the regulatory capital requirements for credit risks stemming from assets denoted in foreign currencies also change correspondingly. This ris... | 82 | annual_report |
CNPAssurancesSA-AR_2009 | 1,961 | On 25 June 2009, CNP Assurances (CNP) and Barclays Bank PLC (Barclays) entered into a 25-year business alliance to develop their life insurance businesses via Barclays’ networks in Spain, Portugal and Italy. | 32 | annual_report |
5260 | 916 | On May 22, 2012, Atlas closed the sale and leaseback of the headquarters building to 150 Northwest Point, LLC, a Delaware limited liability company. Atlas recognized a gain on the sale of this property of $213,000, which will be deferred and recognized over the five year lease term, which ends in May 2017. Atlas recogn... | 121 | 10K |
BaloiseHoldingLtd-AR_2017 | 1,775 | Receivables from financial contracts – – – – 4.2 4.2 notes to the consolidated annual financial statements | 17 | annual_report |
5450 | 1,038 | The following are the levels of the fair value hierarchy and a brief description of the type of valuation inputs that are used to establish each level: | 27 | 10K |
RaiffeisenBankInternationalAG-AR_2019 | 5,627 | Loss given default (LGD): The loss given default represents RBI’s expectation of the extent of loss on a defaulted exposure. | 21 | annual_report |
BaloiseHoldingLtd-AR_2001 | 782 | Acquisition of real estate, equipment and furnishings and intangible assets for own use 91.7 26.5 25.4 6.4 | 17 | annual_report |
5809 | 1,072 | (viii) measurement of income taxes and the valuation of deferred tax assets; and | 13 | 10K |
5127 | 802 | Level 3 - Valuations derived from valuation techniques in which one or more significant inputs or value drivers are unobservable or from par values for equity securities restricted in their ability to be redeemed or sold. Level 3 inputs reflect our own assumptions about the assumptions a market participant would use in... | 148 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2013 | 2,116 | The regulations of the Supervisory Board stipulate that the Supervisory Board and the appointed committees may use the services of experts and advisory companies. | 24 | annual_report |
ch_zurich_insurance_group-AR_2007 | 1,102 | Decreases recorded in shareholders’ equity (33) (31) (1,691) (1,118) (1,724) (1,149) | 11 | annual_report |
SwissReAG-AR_2003 | 1,589 | Swiss Re is a member of many indices, including the Swiss Market Index, the Dow Jones STOXX 50 and the Financial Times Stock Exchange Eurotop 100. The composition of these indices is mostly based on free float market capitalisation which favours Swiss Re having a full 100% free float. Swiss Re is also a member of vario... | 75 | annual_report |
5376 | 1,927 | During 2016, we recognized OTTI in earnings of $6.5 million related to corporate bonds, including credit-related OTTI of $5.5 million related to debt instruments from ten issuers in the energy sector. The fair value of these bonds declined during 2016 as did the credit quality of the issuers, and we recognized credit-r... | 118 | 10K |
ScorSE-AR_2012 | 5,680 | and liabilities and capital allocation management, standards and guidelines for assets management, internal control and | 15 | annual_report |
4236 | 1,574 | As described in Note 2, Significant Accounting Policies to the consolidated financial statements included elsewhere herein, under the heading “New Accounting Pronouncements,” there are accounting pronouncements that have recently been issued but have not yet been implemented by us. Note 2 describes the potential impact... | 59 | 10K |
3775 | 1,414 | The fair value of fixed maturity, short-term, and equity securities is determined by management after considering one of three primary sources of information: third party pricing services, independent broker quotations, or pricing matrices. Security pricing is applied using a "waterfall" approach whereby publicly avail... | 250 | 10K |
1262 | 194 | The Company seeks to balance fee-based operations with selective risk underwriting to increase the Company's value for its shareholders, agents and employees by pursuing maximum growth with limited risk exposure. | 30 | 10K |
NatwestGroupPLC-AR_2010 | 4,308 | Under the arrangements for accession to APS in December 2009, the company issued B shares in exchange for shares in Aonach Mor Limited. No share premium was recorded in the company financial statements through the operation of the merger relief provisions of the Companies Act 2006. The subsequent redemption of some of ... | 75 | annual_report |
AegonNV-AR_2015 | 6,354 | �� The effects of declining creditworthiness of certain private sector securities and the resulting decline in the value of sovereign exposure that Aegon holds; �� Changes in the performance of Aegon’s investment portfolio and decline in ratings of Aegon’s counterparties; �� Consequences of a potential (partial) break-... | 256 | annual_report |
de_allianz-AR_2007 | 1,767 | Investment contracts with policyholders Fair value — Financial liabilities for unit linked contracts Fair value — Other Liabilities | 18 | annual_report |
2080 | 343 | Contributing to the increase in incurred losses and LAE in 2002 from 2001 were a 198.4% ($173.4 million) increase in the International operation, a 63.4% ($134.0 million) increase in the U.S. Insurance operation, principally reflecting increased premium volume coupled with changes in this segment's specific reinsurance... | 121 | 10K |
HiscoxLtd-AR_2010 | 1,187 | The effective date for the new standard has not been determined however retrospective application will be required. | 17 | annual_report |
5938 | 1,374 | On March 23, 2017, Global Indemnity Limited issued Subordinated Notes due in 2047 in the aggregate principal amount of $120.0 million through an underwritten public offering (the “2047 Notes”). Pursuant to the underwriting agreement, Global Indemnity Limited granted the underwriters a 30 day option to purchase up to an... | 118 | 10K |
3250 | 1,023 | the contractual terms of the respective loan agreements) requiring a valuation allowance at December 31, 2006 and 2005. An analysis of the allowance provided in 2005 and 2004 is as follows: | 31 | 10K |
AvivaPLC-AR_2018 | 1,044 | • Recommended the new succession planning framework to the Board for approval | 12 | annual_report |
2640 | 1,315 | LNL is actively exploring strategies to lessen the burden of increased AXXX reserves associated with its universal life lapse protection rider (“LPR”) product. Strategies include both reinsurance and capital markets solutions that provide for risk transfer and associated reserve and surplus relief. Currently, this busi... | 85 | 10K |
TopdanmarkAS-AR_2018 | 1,220 | Note 11. Other disclosures The five-year summary, in accordance with Section 91(a) of the Danish Executive Order on Financial Reports for Insurance Companies and Multi-Employer Occupational Pension Funds, is included in financial highlights on page 3. Risk disclosures in accordance with Section 91(b) are included in "M... | 60 | annual_report |
PosteItalianeSpA-AR_2015 | 1,202 | Company’s retained earnings in 2008 and transferred to the MEF, pursuant to European Commission Decision | 15 | annual_report |
5551 | 598 | During 2017, the Board of Directors established a Special Committee to consider strategic alternatives available to the Company, including consideration of certain third party proposals made to the Company. The significant amount of work by the Special Committee and advisors to the Special Committee resulted in increas... | 130 | 10K |
AvivaPLC-AR_2005 | 1,310 | In some countries, the pension schemes have invested in the Group’s long-term business funds. IAS 19 requires the liquidity of the schemes’ assets to be considered and, if these are deemed non-transferable, the presentation of the total obligation to the schemes must include these amounts. Accordingly, insurance liabil... | 87 | annual_report |
RaiffeisenBankInternationalAG-AR_2009 | 729 | The regional structure of Group assets remained almost unchanged on the preceding year. The Central Europe segment continued to dominate with a share of 45 per cent. Southeastern Europe accounted for 31 per cent of Group assets, the second-largest share, followed by Russia with 16 per cent and CIS Other with 8 per cent... | 54 | annual_report |
NatixisSA-AR_2009 | 2,901 | For the Natixis S.A. subsidiaries scope: a those with no treasury do not have an operational delegation to manage their structural balance sheet positions; they therefore finance their individual positions through the Global Treasury Department. Their projected refinancing requirements are reviewed and validated at lea... | 205 | annual_report |
4554 | 1,097 | those that may limit the amount of insurance risk to which the Company is subject or features that delay the timely reimbursement of claims. If the Company determines that a contract does not expose it to a reasonable possibility of a significant loss from insurance risk, the Company records the contract on a deposit m... | 110 | 10K |
5321 | 4,518 | These AOCI components are included in the computation of net periodic benefit costs. See Note 18. | 16 | 10K |
2510 | 1,712 | The investment objective of Corporate is to raise capital through financing activities to support the Life and Property & Casualty operations of the Company and to maintain sufficient funds to support the cost of those financing activities including the payment of interest for Hartford Financial Services Group, Inc. (“... | 96 | 10K |
4347 | 953 | Comparison of the Year Ended December 31, 2010 to the Year Ended December 31, 2009 | 15 | 10K |
gb_lloyds_banking_grp-AR_2007 | 1,239 | Donations The income statement includes a charge for charitable donations totalling £37,463,000 (2006: £37,335,000), including £37,183,000 (2006: £37,133,000) which will be paid under deeds of covenant to the four Lloyds TSB Foundations during 2008. | 34 | annual_report |
5265 | 1,898 | On an amortized cost basis, as of December 31, 2016, securities considered below investment grade based on lowest of external rating agency ratings, total $13,820 million, or 5% of the total fixed maturities, and include securities considered high or highest quality by the NAIC based on the rules described above. | 50 | 10K |
2321 | 271 | ING Life Insurance and Annuity Company ("ILIAC"), and its wholly-owned subsidiaries (collectively, the "Company") are providers of financial products and services in the United States. These consolidated financial statements include ILIAC and its wholly-owned subsidiaries, ING Insurance Company of America ("IICA"), ING... | 157 | 10K |
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