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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5069 | 632 | Agency and FHA/VA originations have significantly higher net revenue margin than jumbo and brokered volumes. The improvement in product mix and margins were a significant driver of improved profitability in the mortgage business in addition to the increased volume as net revenue margins (in bps) grew faster than expens... | 49 | 10K |
4808 | 2,048 | At December 31, 2013, we had no significant general reinsurance recoverable due from any individual reinsurer that was financially troubled. Reinsurance underwriting profits in 2013 generally have increased reinsurer capital levels and therefore the industry's underwriting capacity. This increased capacity has resulted... | 111 | 10K |
SwissReAG-AR_2004 | 1,433 | The more than 1 000 users of the service are major insurance and broker companies as well as numerous local insurers, banks or investment companies. | 25 | annual_report |
5215 | 2,457 | Specialty Commercial increased primarily as a result of higher retrospective premium on loss sensitive business in national accounts. | 18 | 10K |
2224 | 800 | The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses. Actual results could differ from these estimates. | 37 | 10K |
NatixisSA-AR_2020 | 5,090 | Currency conversion of the statements 2.9 of foreign subsidiaries and branches | 11 | annual_report |
gb_lloyds_banking_grp-AR_2015 | 511 | – The Legal, Regulatory and Mandatory Change Committee ensures we develop plans for delivery of all legal and regulatory changes and tracks their progress. Groupwide projects implemented to address significant impacts. – Continued investment in people, processes, training and IT to assess impact and help meet our legal... | 72 | annual_report |
1494 | 299 | The Company's operating segments have been changed in accordance with this realignment. The Company now includes three operating segments: the London Company Market, the Lloyd's Market and Investing. All | 29 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2011 | 751 | 12. Selected other PZU Group companies – directions of development and results 12.1 PZU Lietuva | 15 | annual_report |
5129 | 805 | A reconciliation of the noncontrolling interest equity of 1st Investors is presented in the Consolidated Statements of Stockholders’ Equity. The following table provides a reconciliation of total redeemable equity of United for the periods ended December 31, 2015, 2014 and 2013: | 41 | 10K |
4339 | 1,325 | Our sources of funds primarily consist of premium receipts (net of brokerage and ceding commissions) and investment income (net of advisory compensation and investment expenses), including realized gains, and other income. We use cash from our operations to pay losses and loss adjustment expenses, profit commissions an... | 249 | 10K |
580 | 312 | AIG received approximately $1.6 billion and $1.1 billion from redemptions of held to maturity municipal bonds during 1996 and 1995, respectively. Prior to redemption, the yield on these bonds approximated seven percent and eight percent in 1996 and 1995, respectively. The yield on the reinvestment of the proceeds in bo... | 87 | 10K |
2795 | 646 | Administrative service fee revenue consists of fees we charge our clients for the administration of their benefit programs and is earned when services are rendered. These revenues are mainly included in our renewal commissions and related fees line on our consolidated statements of income. | 44 | 10K |
AegonNV-AR_2011 | 6,135 | 3. From the net profit as reflected in the profit and loss account, if it is sufficient to this end after a part of the profit has been set aside for augmenting and/or forming reserves in accordance with 2, first of all the holders of preferred shares shall receive, on the average amount paid on their preferred shares,... | 74 | annual_report |
4839 | 899 | In February 2013, the FASB issued ASU 2013-02, “Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.” ASU 2013-02 requires additional disclosures concerning the amounts reclassified out of each component of accumulated other comprehensive income and into net earnings during the reporting per... | 61 | 10K |
5868 | 3,800 | (*)Net of deferred rent and lease incentives of $20 million at December 31, 2020 and $22 million at December 31, 2019. | 21 | 10K |
1657 | 3,295 | federal and state government (including State of Wisconsin Medicaid as a | 11 | 10K |
ScorSE-AR_2019 | 5,413 | Employee profit sharing plans15.3 102 to 115Stock options and performance shares2.2.3 354 SCOR Universal Registration Document 2019 | 17 | annual_report |
de_allianz-AR_2013 | 1,599 | In July 2013, Allianz was identified as global systemically important insurer (G-SII). Policy measures applicable to G-SIIs include recovery and resolution planning requirements, enhanced groupwide supervision and – most likely – harmonized and potentially higher capital requirements. In any event, administrative costs... | 51 | annual_report |
AvivaPLC-AR_2020 | 4,260 | Strategic report Governance IFRS financial statements Other information 60 – Derivative financial instruments and hedging continued (b) Derivatives not qualifying for hedge accounting continued (i) The Group’s non-hedge derivatives are as follows: Contract/ notional amount £m | 36 | annual_report |
StandardLifeAberdeenPLC-AR_2015 | 1,510 | Non-executive Directors’ interests in shares (audited) The following table shows the total number of Standard Life plc shares held by each of the non-executive Directors and their connected persons: Total number of shares owned at the earlier of 1 January 2015 or date of appointment if later | 47 | annual_report |
SwissLifeHoldingAG-AR_2007 | 2,333 | Impairment losses transferred to the income statement 8 12 – – 12 | 12 | annual_report |
de_allianz-AR_2019 | 712 | A negative factor was the poor result in the international industrial insurance business AGCS, which was well below plan in a difficult market with increasing claims frequency and severity. This development could not be compensated by the division's otherwise very committed and successful work. | 44 | annual_report |
2670 | 5,639 | Corporate and Other includes the effects of eliminating transactions between the various insurance segments. | 14 | 10K |
AegonNV-AR_2013 | 5,357 | Board of Aegon N.V. who are also members of the Executive Committee have no voting rights on several decisions that relate to Aegon | 23 | annual_report |
4891 | 1,389 | a total liability for pension benefits of $284 million (2013: $136 million) representing: | 13 | 10K |
HiscoxLtd-AR_2016 | 1,233 | 107Hiscox Ltd Report and Accounts 2016 communicate with them all relationships and other matters that may reasonably be thought to bear on our independence, and where applicable, related safeguards. | 29 | annual_report |
4178 | 2,045 | The Company also has available $2 million (2009: $7 million) in lines of credit, of which $nil was drawn as of December 31, 2010 (2009: $nil). | 26 | 10K |
2636 | 4,424 | Reinsurance assets due from our reinsurers under the terms of ceded reinsurance contracts include unpaid loss recoveries, loss and loss expense reserves recoverable and deferred reinsurance premiums. We are subject to credit risk with respect to our reinsurance ceded because the ceding of risk does not relieve us from ... | 149 | 10K |
gb_lloyds_banking_grp-AR_2012 | 3,090 | Lloyds Banking Group Annual Report and Accounts 2012178 during the first half of 2012 the Group accelerated term funding initiatives and the run down of certain non-core asset portfolios allowing a further reduction in money market funding and total government and central bank facilities. This has significantly reduced... | 76 | annual_report |
4911 | 2,001 | ORC members include senior AIG executives with expertise in legal, compliance, technology, human resources, finance and operational risk, as well as business continuity management and the chief risk officers of our business units. | 33 | 10K |
4225 | 2,046 | •Operational risk - the potential loss resulting from inadequate or failed internal processes, people, and systems, or from external events. | 20 | 10K |
SwissReAG-AR_2020 | 5,678 | As part of our ongoing efforts to implement our thermal coal policy (see page 38), we had over 400 engagements with clients across the globe in 2020. Many of them have introduced a thermal coal policy themselves and in turn are helping us reduce our carbon exposure in our own business. | 51 | annual_report |
RaiffeisenBankInternationalAG-AR_2011 | 490 | equivalents) rose 1 per cent or 833 persons to 60,021 employees. The largest increases were recorded in the Czech Republic (up 349), Ukraine (up 189), Russia (up 137), Poland (up 87) and Slovakia (up 75). | 35 | annual_report |
866 | 389 | The components of the unrealized appreciation on available for sale securities as of December 31 are as follows (in thousands): | 20 | 10K |
3195 | 824 | We have audited management’s assessment, included in the accompanying Evaluation of Disclosure Controls and Procedures, that 21st Century Holding Company did not maintain effective internal control over financial reporting as of December 31, 2006 because of the effect of (i) the recognition and accounting of unrecorded... | 154 | 10K |
419 | 263 | In our opinion, the financial statements referred to above present fairly, in all material respects, the consolidated financial position of Arthur J. Gallagher & Co. at December 31, 1996 and 1995, and the consolidated results of its operations and its cash flows for each of the three years in the period ended December ... | 62 | 10K |
StorebrandASA-AR_2009 | 3,417 | Solvency margin of Storebrand Life Insurance 136% > 150% 160% > 150% | 12 | annual_report |
AdmiralGroupPLC-AR_2008 | 551 | The Group operates the following benefits: · Death in Service scheme, paying three times salary available to all employees following completion of their probationary period. | 25 | annual_report |
4225 | 2,657 | In our opinion, the consolidated financial statements listed in the accompanying index present fairly, in all material respects, the financial position of American International Group, Inc. and its subsidiaries (AIG) at December 31, 2010 and 2009, and the results of their operations and their cash flows for each of the... | 396 | 10K |
380 | 371 | CICA owns its principal office in Austin, Texas, consisting of an 80,000 square foot office building. Approximately 27,000 square feet is occupied by CICA and its affiliates with the remainder of the building being leased or for lease. At December 31, 1996, the occupancy rate of the property was approximately 95%. | 51 | 10K |
DirectLineInsuranceGroupPLC-AR_2012 | 2,020 | The reported results of the Group are sensitive to the accounting policies, assumptions and estimates that underlie the preparation of its financial information. The Group’s principal accounting policies are set out on pages 103 to 111. UK company law and IFRSs require the Directors, in preparing the Group’s financial ... | 174 | annual_report |
5456 | 7,700 | As described in Note 1, we use the loan-to-value and debt-service coverage ratios as credit quality indicators for our mortgage loans on real estate, which were as follows (dollars in millions): | 31 | 10K |
3016 | 1,515 | The Company sponsors an unfunded nonqualified key employee deferred compensation plan. Under the plan, deferred compensation benefits are provided through deferrals of base salary and bonus compensation (“Employee Deferrals”) and discretionary contributions by the Company (“Employer Contributions”) for a select group o... | 204 | 10K |
fr_axa-AR_1999 | 1,028 | With respect to AXA’s foreign property and casualty insurance operations, the claims reserves are established and monitored in the local currency in which the property and casualty entity operates. The claims reserves are translated into AXA’s reporting currency | 38 | annual_report |
4172 | 2,050 | Liabilities for unpaid claims and claim expenses are estimates of payments to be made under insurance coverages (primarily long-term disability, workers’ compensation and life and health) for reported claims and for losses incurred but not yet reported. | 37 | 10K |
HannoverRueckSE-AR_2010 | 117 | Picture credits Thomas Bach: cover Manfred Zimmermann: portraits on pages 2, 51, 79; group photo on page 9 Frank Bauer: portraits on pages 27, 39 Corbis/Blaine Harrington III: pages 26/27 Corbis/Owen Franken: pages 38/39 Corbis/David Madison: pages 50/51 Getty Images/Mark Lewis: pages 78/79 | 43 | annual_report |
SwissLifeHoldingAG-AR_2011 | 2,723 | “I speak to the Lord above every day. It helps me find the right path to follow in all good conscience. Even when the answers to my questions are not always what | 32 | annual_report |
INGGroepNV-AR_2018 | 726 | Like many other financial organisations, getting the right mix of people remains a challenge in parts of the business and there is more to be done to redress imbalances that still exist. Women in leadership positions remained stable at 38 percent of managers (39 percent in 2017) and 30 percent of managers of managers (... | 85 | annual_report |
gb_prudential-AR_2013 | 2,621 | Notes (i) The Group’s UK insurance operations transferred its general insurance business to Churchill in 2002. General insurance commission represents the commission receivable net of expenses for Prudential-branded general insurance products as part of this arrangement. | 36 | annual_report |
2987 | 8,176 | (1)In 2006, DSI was reduced related to the disposition through reinsurance agreements of substantially all of Allstate Financial's variable annuity business (see Note 3). | 24 | 10K |
2675 | 1,283 | Income from continuing operations before income tax and minority interest increased from $840 million in 2002 to $1.1 billion in 2003. This increase is due primarily to the impact of foreign exchange, the improvement in investment income ($61 million), and 2002 expenses related to the planned spin-off ($50 million) wit... | 75 | 10K |
ScorSE-AR_2009 | 2,005 | SCOR adopted IFRS as from 1st January 2005. In compliance with IFRS 1 “First-time adoption” certain standards may not have been retroactively applied. The first time implementation options applied on adoption of IFRS included: Business combination | 36 | annual_report |
HiscoxLtd-AR_2017 | 1,684 | The range of principal Group assumptions applied in determining the fair value of share-based payment instruments granted during the year under review are: Assumptions affecting inputs to fair value models 2017 2016 | 32 | annual_report |
DirectLineInsuranceGroupPLC-AR_2015 | 1,504 | Shares held at 31 December 2014 restated for share consolidation4 Shares held at | 13 | annual_report |
3634 | 1,210 | (1) Represents the elimination of an inter-segment reinsurance cover among Montpelier Bermuda and Montpelier Syndicate 5151. | 16 | 10K |
4071 | 862 | Commercial loans increased $137 million, from $745 million at December 31, 2007, to $882 million at December 31, 2008, due to continued investing in commercial loans. | 26 | 10K |
NatixisSA-AR_2014 | 1,738 | Benefi ts in kind in respect of BPCE (14) 5,292 5,292 5,292 5,292 | 13 | annual_report |
3675 | 784 | We have audited the accompanying consolidated balance sheets of Comprehensive Care Corporation and Subsidiaries as of December 31, 2008 and 2007 and the related consolidated statements of operations, stockholders’ deficit and cash flows for the years ended December 31, 2008 and 2007, the seven months ended December 31,... | 84 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2006 | 1,347 | The compensation components that Mr. Phelan received for his functions at Munich Re America Corporation is included in the total remuneration. | 21 | annual_report |
DirectLineInsuranceGroupPLC-AR_2016 | 184 | We are investing to further strengthen our application and claims fraud capabilities. | 12 | annual_report |
SwissReAG-AR_2014 | 1,354 | External appointments ̤ Board member of Invesco Ltd ̤ Board member of AmeriCares and | 14 | annual_report |
StorebrandASA-AR_2011 | 3,055 | Forward foreign exchange contracts/ foreign exchange swaps Forward foreign exchange contracts/foreign exchange swaps relate to the purchase or sale of a currency for an agreed price at a future date. These contracts are principally used to hedge the currency exposure arising from currency denominated securities, bank d... | 60 | annual_report |
SwissReCorporateSolutions-AR_2014 | 412 | Shareholder’s equity Shareholder’s equity decreased from CHF 2 154 million as of 31 December 2013 to CHF 1 784 million as of 31 December 2014. | 25 | annual_report |
AdmiralGroupPLC-AR_2012 | 333 | Price Comparison Strategy • Confused’s strategy is focused on car insurance comparison and is aimed at making Confused the most competitive car insurance price comparison website in the UK market. | 30 | annual_report |
AvivaPLC-AR_2002 | 118 | The tough environment will test us in many respects throughout 2003. Even so, I am driving the business hard, using our experience, size and expertise to provide the right products and services for our customers in each market. | 38 | annual_report |
PosteItalianeSpA-AR_2017 | 446 | Atlante and Atlante 2 funds In April 2016, Poste Vita decided to invest approximately €260 million in an alternative investment fund called “Atlante”, and, on 27 July 2016, invested approximately a further €200 million in the alternative investment fund named “Atlante II” (now called the “Italian Recovery Fund). Both f... | 89 | annual_report |
HelvetiaHoldingAG-AR_2018 | 271 | I n the life business, in addition to classic protection products, customers also increasingly want flexible solutions and full digital options for taking out policies. The whole life insurance from Smile and the burial insurance in Spain, which uses a virtual insurance assistant, are current examples that meet these r... | 53 | annual_report |
HelvetiaHoldingAG-AR_2015 | 2,969 | Value of new business in % APE 7.1 % 9.3 % | 11 | annual_report |
435 | 174 | Underwriting results for the past three years, stated on a "GAAP" basis with respect to the reinsurance assumed business, are summarized in the following table. | 25 | 10K |
3184 | 563 | In 2006, we received four litigation and tax settlements, two of which were concerned with issues related to a subsidiary and an investment disposed of several years ago, a third involving our investment in Worldcom, Inc. bonds (Worldcom), which was held and sold in prior years, and a fourth concerning Federal income t... | 233 | 10K |
4865 | 954 | Currently, American Equity Life may pay dividends or make other distributions without the prior approval of the Iowa Insurance Commissioner, unless such payments, together with all other such payments within the preceding twelve months, exceed the greater of (1) American Equity Life's net gain from operations for the p... | 140 | 10K |
2721 | 889 | Investments in fixed maturities and equity securities are designated at purchase as held-to-maturity, available-for-sale or trading. Fixed maturities include bonds and mortgage-backed securities. Equity securities include non-redeemable preferred stock and a collateralized securities fund which invests in asset-backed ... | 135 | 10K |
NatixisSA-AR_2017 | 10,164 | 6.1. Main activities 14 to 29 6.2. Main markets 293 to 299 6.3. Exceptional events N/A | 16 | annual_report |
5485 | 1,645 | During 2016, the $95.2 million of realized losses on sales of $790.2 million of fixed maturity securities, available for sale included: (i) $79.2 million related to various corporate securities (including $63.5 million related to sales of investments in the energy sector); (ii) $5.8 million related to commercial mortga... | 65 | 10K |
5493 | 2,329 | Underwriting, Actuarial Assumption Review and Other Insurance Adjustments. Unfavorable underwriting resulted in a $37 million decrease to adjusted earnings driven by higher claims experience in Mexico. The impact in both 2017 and 2016 of our annual actuarial assumption review resulted in a slight decrease in adjusted e... | 77 | 10K |
AdmiralGroupPLC-AR_2010 | 533 | Employee policies Detailed information on the Group’s employment practices is set out in the business review. The Group purchases appropriate liability insurance for all staff and Directors. | 27 | annual_report |
NatwestGroupPLC-AR_2016 | 1,262 | Director of Finance, on behalf of the GAC, up to a limit of £100,000 each financial quarter. Engagements for | 19 | annual_report |
5541 | 1,183 | In computing taxable income, property and casualty insurers reduce underwriting income by losses and loss adjustment expenses incurred. The amount of the deduction for losses incurred associated with unpaid losses is discounted at the interest rates and for the loss payment patterns prescribed by the U.S. Treasury. The... | 210 | 10K |
1241 | 854 | In the normal course of business, the Company reinsures portions of certain policies that it underwrites to limit disproportionate risks. The Company retains varying amounts of individual insurance up to a maximum retention of $500 on any life. Amounts not retained are ceded to other insurance enterprises or reinsurers... | 87 | 10K |
TopdanmarkAS-AR_2015 | 1,010 | Accordingly, there have been no changes in accounting policies from those adopted in the 2014 Annual Report. | 17 | annual_report |
3189 | 1,094 | The Company periodically disposes of fixed maturity and equity securities at a loss. Generally, such losses are insignificant in amount or in relation to the cost basis of the investment, are attributable to declines in fair value occurring in the period of the disposition or are as a result of management’s decision to... | 73 | 10K |
AvivaPLC-AR_2020 | 351 | This heritage continues as evidenced by Aviva Investors being ranked 21 globally for our environmental voting track record and 52 for responsible investment by Share Action. We continue to lead in this field having launched our climate transition engagement programme with a promise to divest from companies that are non... | 69 | annual_report |
5070 | 296 | In December 2013, TLIC purchased one acre of land in Greensburg, Indiana that included a 3,975 square foot building constructed on approximately 8% of this land at a cost of $2,444,203 (including closing costs of $50,516). The building was leased through October 31, 2027 plus four future five year extensions effective ... | 112 | 10K |
2281 | 3,970 | (2)In 2001, the Condensed Statements of Cash Flows exclude the impact of certain non-cash transfers primarily related to notes receivable from subsidiaries and notes payable to subsidiaries. | 27 | 10K |
5602 | 2,193 | • whether the reinsurer is financially troubled (i.e., liquidated, insolvent, in receivership or otherwise subject to formal or informal regulatory restriction); and | 22 | 10K |
5244 | 1,407 | The table below provides a consolidated reconciliation of the beginning and ending liability for losses and LAE for the years ended December 31, 2016, 2015 and 2014: | 27 | 10K |
1925 | 352 | - - In order to maintain an acceptable target return, the Company needs to design and sell products having interest crediting rates with adequate spreads to investment returns. If investments with appropriate maturity and risk adjusted returns to support pricing targets are not available, product sales will be restrict... | 66 | 10K |
5766 | 1,608 | Represents non-recourse debt of a subsidiary for which creditors have no access, subject to customary exceptions, to the general assets of the Company other than recourse to certain investment companies. | 30 | 10K |
NatixisSA-AR_2003 | 1,405 | Total assets under management at the year-end 80.6 72.5 + 11% | 11 | annual_report |
2861 | 1,681 | The growth rate in net premiums written is less than the growth rate in our gross premiums written largely due to our outwards reinstatement premiums of $149.7 million as a result of the 2005 hurricanes being greater than our inwards reinstatement premiums of $78.7 million. | 45 | 10K |
4186 | 890 | Prior to 2008, actual losses paid for asbestos-related claims had been minimal due to the plaintiffs’ failure to identify an exposure to any asbestos-containing product associated with the pool participants’ current and former policyholders. However, paid losses and settlement expenses have increased significantly from... | 166 | 10K |
2802 | 1,230 | Earned insurance charges totaled $40.0 million, $41.8 million, and $40.3 million for the years ended December 31, 2005, 2004, and 2003, respectively. These revenues primarily consist of UL cost of insurance charges, but also include policy surrender charges, and policy administration charges. | 42 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2018 | 1,343 | Banking segment / Banking activity The banking activity segment consists of the following groups: Pekao, from June 2017 (effect of settling the transaction and start of consolidation) and Alior Bank. | 30 | annual_report |
NatwestGroupPLC-AR_2011 | 392 | While improvements to our service processes are important, we know that it is our people who deliver Helpful Banking. Helpful employees are professional, proactive and caring. Their job is to make things simple for their customers. As a result of changes we've made in our hiring approach, we will now specifically recru... | 107 | annual_report |
fr_axa-AR_2017 | 3,095 | (b) Accumulated financial expenses up to 2016 on undated subordinated debts (TSS, TSDI) have been reclassified from Other to Undistributed profits and other reserves for €-3,288 million. | 27 | annual_report |
SwissReAG-AR_2010 | 539 | 1 Return on equity is calculated by dividing net income attributable to common shareholders by average common shareholders’ equity. | 19 | annual_report |
5602 | 8,306 | At December 31, 2018, we had no significant reinsurance recoverable due from any individual reinsurer that was financially troubled. Reinsurer capital levels continued to increase in 2018, thereby increasing the industry’s underwriting capacity, which resulted in continued competition and lower rates for 2019 renewals.... | 104 | 10K |
ch_zurich_insurance_group-AR_2008 | 2,093 | a) Defined benefit plans Defi ned benefi t pension plans Employees of the Group’s operating companies are covered under various pension plans, the largest of which are in the UK, US, Germany and Switzerland. Certain companies provide defi ned benefi t plans, some of which provide benefi ts related to employee’s service... | 122 | annual_report |
40 | 260 | The following is an analysis of the results of operations and financial condition of Laurentian Capital and its consolidated subsidiaries. The consolidated financial statements and related notes and schedules included elsewhere in the Form 10-K should be read in conjunction with this analysis. Certain reclassifications... | 55 | 10K |
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