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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2307 | 873 | $17.0 million increase from net cash inflows of $73.8 million in 2002. The Company’s liquid assets include substantial U.S. treasury holdings, short-term money market investments and marketable long-term fixed maturity securities. Management believes that the Company’s sources of liquidity are adequate to meet its anti... | 46 | 10K |
AvivaPLC-AR_2017 | 5,755 | Limited2 Ordinary Shares 50 4th Floor, New London House, 6 London | 11 | annual_report |
SwissReAG-AR_2010 | 332 | Public-private partnerships help extend insurance protection in emerging and developing countries. Swiss Re’s cat bond solution in Mexico demonstrates how governments can transfer earthquake and hurricane risks using innovative insurance instruments. From left: Ernesto Cordero, Minister of Finance, Mexico, and Michel L... | 47 | annual_report |
2943 | 940 | Insurance and annuity commissions paid by insurance companies are based on a percentage of the premium that the insurance company charges to the policyholder. First-year commissions are calculated as a percentage of the first twelve months’ premium on the policy and earned in the year that the policy is originated. In ... | 52 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2015 | 2,919 | For services rendered to the parent and consolidated subsidiaries by the Group auditor (KPMG Bayerische Treuhandgesellschaft AG Wirtschaftsprüfungsgesellschaft Steuer- beratungsgesellschaft, Munich, and its affiliated companies within the meaning of Section 271 (2) of the German Commercial Code – HGB), the following fe... | 106 | annual_report |
CNPAssurancesSA-AR_2009 | 951 | The Chief Executive Officer receives a fixed salary and a variable bonus linked to the overall performance of the Company and the achievement of certain objectives set at the beginning of each year. The variable bonus ranges from 0% to 80% of his salary. Based on the recommendation of the Remunerations & Nominations Co... | 169 | annual_report |
5892 | 1,757 | Case No. 17 BK 3567-LTS (D.P.R. January 16, 2020) (Swain, J.) | 11 | 10K |
4207 | 1,896 | Variable Annuities At December 31, 2010, the aggregate guaranteed minimum death benefit value (assuming every variable annuity policyholder died on that date) on AFG’s variable annuity policies exceeded the fair value of the underlying variable annuities by $52 million, compared to $85 million at December 31, 2009. Dea... | 70 | 10K |
HannoverRueckSE-AR_2010 | 650 | In the second half of 2010 we received requests from a number of international pension funds in Denmark, the Netherlands, | 20 | annual_report |
SwissReAG-AR_2003 | 337 | The fair value of each option grant is estimated on the date of the grant using a binomial option-pricing model, with the following weighted average assumptions used for grants in 2002 and 2003, respectively: dividend yield of 2.3% and 2.8%; expected volatility of 25.1% and 28.7%; risk-free interest rate of 3.4% and 2.... | 61 | annual_report |
4506 | 564 | CNA Commercial's average rate increased 1% for 2010, as compared to flat rates for 2009 for the policies that renewed during those periods. Retention of 80% and 81% was achieved in each period. | 33 | 10K |
AvivaPLC-AR_2003 | 1,058 | (ii) The Group’s wealth management result was previously shown separately but is now shown as part of the result from non-insurance operations. The result reclassified in 2003 is nil (2002: loss of £30 million). | 34 | annual_report |
PosteItalianeSpA-AR_2015 | 2,722 | Sundry payables attributable to BancoPosta 76 8 84 76 10 86 | 11 | annual_report |
NatixisSA-AR_2017 | 2,610 | Shareholders' equity (Group share) remained stable for the year at €19.8 billion, as the incorporation of net income for the year in the amount of €1.67 billion and the issuance of new deeply subordinated instruments in the amount of €0.5 billion (net the value of exercised calls) were primarily offset by the negative ... | 89 | annual_report |
PosteItalianeSpA-AR_2018 | 3,676 | Changes in fair value through profit or loss for 2018 reflect a gain of €342 million, reflecting the impact of fair value hedges. | 23 | annual_report |
2186 | 1,270 | A hypothetical 1% increase in the discount rate would result in a decrease in pension and retiree medical projected benefit obligations of approximately $55.0 million and $4.6 million, respectively, and would result in a decrease in OneBeacon’s total pretax pension/post-retirement expense of approximately $0.3 million.... | 90 | 10K |
5007 | 2,165 | permitted statutory accounting practices that differ significantly from the statutory accounting principles established by the National Association of Insurance Commissioners (“NAIC”). The U.S. insurance and reinsurance subsidiaries are also required to maintain minimum levels of solvency and liquidity as determined by... | 52 | 10K |
1465 | 412 | December 31, ------------------ 2000 1999 ----- ------ Assets Cash .............................................. $ 66 $ 68 Investment in subsidiaries (equity method) eliminated upon consolidation ................... 46,481 44,904 Other assets ...................................... 458 390 ------- ------- | 32 | 10K |
5644 | 1,842 | The most likely drivers of change in our premium estimates in decreasing order of magnitude are: | 16 | 10K |
gb_lloyds_banking_grp-AR_2009 | 1,283 | The Group’s insurance businesses have liability products that are supported by substantial holdings of investments, including equities, property and fixed interest investments, all of which are subject to variations in their value. The value of the liabilities does not move exactly in line with changes in the value of ... | 120 | annual_report |
ScorSE-AR_2016 | 3,302 | Provisions are recognized when the Group has a present legal, contractual or constructive obligation as a result of past events and it is probable that an outflow of resources will be required to settle the obligation and a reliable estimate of the amount of the obligation can be made. | 49 | annual_report |
1980 | 9,997 | Corporate and other consists primarily of GAFRI (parent) and AAG Holding (intermediate holding company). | 14 | 10K |
fr_axa-AR_2001 | 485 | SLPH from 56.3% to 100%. In August 2000, AXA sold its interest in Donaldson Lufkin & Jenrette to Credit | 19 | annual_report |
5809 | 971 | • Favorable change in net derivative gains (losses) of $721 million ($570 million, net of income tax) (3) | 18 | 10K |
5919 | 1,274 | The Company applied for a "use and file" rate filing with the Florida OIR to implement a state-wide average increase of 7.0% for Florida homeowners multiple-peril insurance policies and 6.0% for dwelling fire insurance policies, which is expected to become effective for new and renewal policies in April 2021. The revis... | 68 | 10K |
4157 | 671 | Medicare Advantage membership at 2010 year-end increased 61.0% over the prior year. PDP membership at 2010 year-end increased 131.4% over the prior year. | 23 | 10K |
de_allianz-AR_2007 | 1,430 | The table set forth below contains aggregate fees billed for each of the last two fiscal years by KPMG DTG or KPMG DTG and the world wide member firms of KPMG International (or “KPMG”) in the following categories: (i) Audit Fees, which comprise fees billed for services rendered for the audit of the Allianz Group’s cons... | 163 | annual_report |
4737 | 2,090 | losses arising out of natural or man-made catastrophes such as hurricanes, typhoons, earthquakes, floods, climate change (including effects on weather patterns; greenhouse gases; sea; land and air temperatures; sea levels; and rain and snow), nuclear accidents, or terrorism which could be affected by: | 43 | 10K |
BaloiseHoldingLtd-AR_2007 | 772 | At the end of 2007, the Board of Directors was made up of ten members. Members are elected by the Annual General Meeting of Shareholders for a term of three years. Th e terms of Directors are staggered so that roughly one-third of the terms expire in any year, unless the member gets re-elected. Due to age restrictions,... | 108 | annual_report |
LloydsBankingGroupPLC-AR_2002 | 903 | Statement of total recognised gains and losses for the year ended 31 December 2002 2002 2001* £ million £ million | 20 | annual_report |
AssicurazioniGeneraliSpA-AR_2014 | 4,490 | Volksfürsorge Fixed Assets 094 EUR 104,000 a 11 100.00 Generali Lebensversicherung AG 100.00 100.00 104 | 15 | annual_report |
NatixisSA-AR_2004 | 1,511 | Book value of Outstanding loans Guarantees Total revenues Net income/(loss) Dividends Comment investment and advances at given in previous year in previous year received | 24 | annual_report |
1206 | 562 | PXRE's Year 2000 Readiness Project was successfully concluded prior to December 31, 1999. The Company did not experience any Y2K-related problems at year-end or thereafter. | 25 | 10K |
fr_axa-AR_2015 | 1,478 | Net income increased by €6 million to €-28 million mainly driven by higher adjusted earnings, partly offset by restructuring costs in line with the above-mentioned strategic decision. | 27 | annual_report |
586 | 245 | Employee compensation and benefits costs for 1995 increased 37% to $296 million from $215.3 million in 1994. Significant acquisitions made in 1995, primarily the BHR operations, accounted for approximately $46.9 million of the increase. The new business relationships with Southeastern accounted for approximately $23.3 ... | 67 | 10K |
SwissReAG-AR_2020 | 287 | of employees agree their colleagues act ethically and with integrity (2019: 86%) | 12 | annual_report |
654 | 497 | Dividends paid by the insurance subsidiaries to the Company are limited by state insurance regulations. The insurance regulator in the state of domicile may disapprove any dividend which, together with other dividends paid by an insurance company in the prior twelve months, exceeds the regulatory maximum as computed fo... | 60 | 10K |
StorebrandASA-AR_2019 | 2,763 | 1. IMPLEMENTATION AND REPORTING ON CORPORATE GOVERNANCE (NO DEVIATIONS FROM THE CODE OF PRACTICE) The Board has decided that the Norwegian Code of Practice for Corporate Governance shall be followed. Compliance with the Code of Practice is discussed in the Directors’ Report. Storebrand complies with the Code of Practic... | 64 | annual_report |
5803 | 1,262 | The underwriting expense ratio is the ratio (expressed as a percentage) of amortization of deferred policy acquisition costs and other operating expenses to net premiums earned, and measures our operational efficiency in producing, underwriting and administering our insurance business. | 39 | 10K |
SwissLifeHoldingAG-AR_2007 | 821 | Total net cash flow from operating activities –1 280 –5 934 | 11 | annual_report |
2042 | 1,142 | Consolidated Statement of Changes in Shareholders' Equity Years ended December 31, 2002, 2001, and 2000 | 15 | 10K |
3087 | 583 | Approximately 16,400 and 27,000 square feet of office space for our data centers in Philadelphia, Pennsylvania and Dayton, Ohio, respectively. The leases for these offices expire in September 2012 (Philadelphia) and August 2015 (Dayton). The lease for our Dayton, Ohio data center has an early termination option that ma... | 57 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2011 | 1,045 | Diversification effect –7.4 –4.7 –4.0 – –7.4 –5.8 –4.0 – – | 11 | annual_report |
4730 | 1,815 | The Company had no material assets or liabilities that were measured at fair value on a non-recurring basis during the years ended December 31, 2013 and 2012. | 27 | 10K |
RaiffeisenBankInternationalAG-AR_2013 | 2,859 | net interest margin (average interest bearing assets) – Net interest income in relation to average interest bearing assets. | 18 | annual_report |
RaiffeisenBankInternationalAG-AR_2010 | 2,874 | The Risk Management Committee is responsible for ongoing development and implementation of methods and parameters for risk quantification models and for refining steering instruments. The committee also analyzes the current risk situation of the Group with respect to internal capital adequacy and the corresponding risk... | 67 | annual_report |
3605 | 4,774 | • Percentage decline in value and the length of time during which the decline has occurred; | 16 | 10K |
Sampoplc-AR_2012 | 1,108 | Common prerequisite for all above mentioned core competencies is continuous development of employees’ knowledge and skills. | 16 | annual_report |
4873 | 979 | changes in one or more of the premium assumptions as noted above. A 7% variation in the Company’s proportional premiums receivable, net as of December 31, 2014, after considering the related expected losses and loss expenses, acquisition expenses and taxes, would result in an impact of approximately $5.6 million on the... | 54 | 10K |
3002 | 8,135 | In March 2006, AFG and GAFRI replaced their existing credit agreements with a five-year revolving credit facility under which they can borrow a combined | 24 | 10K |
de_allianz-AR_2006 | 452 | Life/Health Wewere again successful in growing our operating profit which increased in 2006 by 22.5% to € 2.6 billion. While continuing to grow our asset base, we 1) The Allianz Group uses operating profit to evaluate the performance of its business segments and the Allianz Group as a whole. Please see page 113 for fur... | 56 | annual_report |
2985 | 691 | that we believe to be reasonable under the circumstances. For a detailed discussion of other significant accounting policies, see Note 1 of our Consolidated Financial Statements. | 26 | 10K |
LloydsBankingGroupPLC-AR_2012 | 3,990 | Reconciliation of reported basis to statutory results The reported basis is the basis on which financial information is presented to the chief operating decision maker which excludes certain items included in the statutory results. The table below reconciles the statutory results to the reported basis. | 45 | annual_report |
de_allianz-AR_2008 | 3,431 | Notes to the Consolidated Financial Statements Allianz Group Annual Report 2008 11 Reinsurance assets | 14 | annual_report |
2566 | 1,275 | Information Services. In this segment, the Company records revenue from providing data or data-related services. These services principally include appraisal and valuation services, property records information, real estate tax services, borrower credit and flood zone information and multiple listing software and servi... | 63 | 10K |
4370 | 3,082 | AIG adopted the standard on April 1, 2009 and recorded an after-tax cumulative effect adjustment to increase AIG shareholders' equity by $2.5 billion as of April 1, 2009, consisting of a decrease in Accumulated deficit of $11.8 billion and an increase to Accumulated other comprehensive loss of $9.3 billion, net of tax.... | 168 | 10K |
1909 | 467 | As we continue to earn higher premiums from price and tier changes, we expect ongoing improvements in our New Jersey personal automobile results. In 2002, we continued to see reductions in new business submissions for New Jersey personal automobile, with our market share now down to approximately 2.3% compared with 2.5... | 175 | 10K |
4869 | 1,052 | The consolidated HBR for the year ended December 31, 2013, of 88.6% was a decrease of 100 basis points over the comparable period in 2012. The 2013 HBR reflects performance improvement in Texas and our individual insurance business from 2012. | 40 | 10K |
3575 | 1,690 | Net income increased $246 million in 2006 as compared with 2005. This increase was attributable to increases in net operating income and net realized investment gains. See the Investments section of this MD&A for further discussion of net investment income and net realized investment results. | 45 | 10K |
1908 | 526 | Net income applicable to common stock increased 26.8% in 2002 to $46.3 million and decreased 6.8% in 2001 to $36.5 million. The increase in net income for 2002 is due to an increase in the volume of business in force resulting from the inclusion of a full year of business from American Equity and NTL, as well as increa... | 227 | 10K |
4514 | 1,390 | The following tables set forth condensed consolidating statements of income, comprehensive income and cash flows for the years ended December 31, 2012, 2011, and 2010, and condensed consolidating statements of financial position as of December 31, 2012 and December 31, 2011 in accordance with Rule 3-10 of Regulation S-... | 122 | 10K |
HannoverRueckSE-AR_2011 | 1,676 | Qualitative methods and practices are a fundamental element of our internal risk management and control system as well as the future Own Risk and Solvency Assessment (ORSA) pur | 28 | annual_report |
4403 | 545 | FASB provides guidance for recognizing and measuring uncertain tax positions and prescribes a threshold condition that a tax position must meet for any of the benefit of the uncertain tax position to be recognized in the financial statements. Based on this guidance, we regularly analyze tax positions taken or expected ... | 110 | 10K |
3082 | 1,267 | In our Mortgage Insurance segment, increasing interest rates in 2004 through 2006 contributed to a general decrease in new mortgage originations in the U.S. since 2003. The level of new mortgage originations was $2,980 billion, $3,120 billion and $2,920 billion for the years ended December 31, 2006, 2005 and 2004, resp... | 214 | 10K |
NatixisSA-AR_2017 | 9,214 | ENVIRONMENTAL AND SOCIAL RESPONSIBILITY Internal mobilization and management of our direct impacts 431Natixis Registration Document 2017 | 16 | annual_report |
4663 | 1,651 | •The Company uses equity options and volatility swaps to mitigate the risk related to certain guaranteed minimum benefits, including GMWB, within our variable annuity products. In general, the cost of such benefits varies with the level of equity markets and overall volatility. The equity options resulted in net pre-ta... | 81 | 10K |
ScorSE-AR_2019 | 4,377 | • Business Performance - Business Acceptance (including Pricing) - Finance (including Corporate Actuarial) | 13 | annual_report |
AvivaPLC-AR_2016 | 5,120 | There was also a £659 million reduction in net claim reserves relating to an outwards reinsurance contract completed by the UK General Insurance business. | 24 | annual_report |
2969 | 1,217 | The effective duration of our investment portfolio was 4.07 years as of December 31, 2006. By contrast, our liability duration was approximately 3.5 years as of December 31, 2006. We do not believe this difference in duration adversely affects our ability to meet our current obligations because we believe our cash flow... | 132 | 10K |
AdmiralGroupPLC-AR_2019 | 1,831 | • Acts as a sounding board for the Chair and serves as an intermediary for the other Directors. | 18 | annual_report |
fr_axa-AR_2009 | 9,944 | On the closing of the 2009 SharePlan offering in December 2009, | 11 | annual_report |
237 | 253 | During 1994, the Company settled the dispute, arising out of its 1985 acquisition of American Star Insurance Company (since renamed National Continental Insurance Company), over the seller's refusal to pay certain losses on pre-sale business written by American Star. Under the settlement, National Continental received ... | 192 | 10K |
4742 | 648 | balance sheets. Fees earned on the contracts are reflected as other revenues, as opposed to premiums, in our consolidated statements of income. | 22 | 10K |
4435 | 740 | Property and Casualty business is written primarily by our exclusive Multiple-Line agents and through our Credit Insurance Division agents. Property and Casualty segment results for the periods indicated were as follows (in thousands, except percentages): | 35 | 10K |
5227 | 317 | Financing costs, which include issuance costs, sales commissions and other direct expenses, incurred under the senior credit facilities were capitalized and are amortized using the straight-line method over the term of the senior credit facilities. The Series I Secured Note obligations are reported net of financing cos... | 84 | 10K |
5027 | 1,705 | Asset impairment charges. During calendar year 2013, we recorded asset impairment charges related to APS Healthcare of $189.4 million, which included impairments to goodwill of $164.8 million, amortizing intangibles of $16.1 million and tangible assets of $8.5 million. For additional information, see Note 8-Goodwill an... | 55 | 10K |
4252 | 1,269 | For the year ended December 31, 2010, we recognized a benefit from prior period claims development in the amount of $49.4 million. This amount represents our estimate as of December 31, 2010 of the extent to which our initial estimate of medical claims and benefits payable at December 31, 2009 exceeded the amount that ... | 80 | 10K |
4089 | 930 | There were no stock options or other share-based awards granted during the three-year period ended December 31, 2009. | 18 | 10K |
195 | 268 | These financial statements include some amounts that are based on management's best estimates and judgments. The most significant estimates relate to medical costs payable and other policy liabilities, intangible asset valuations and integration and restructuring reserves relating to the Company's recent acquisitions. ... | 61 | 10K |
5335 | 1,101 | The incurred claims and cumulative number of reported claims for all years prior to 2016 are unaudited. | 17 | 10K |
5780 | 513 | Travel expense increased by $4,406. Travel was relatively the same between 2018 and 2019. | 14 | 10K |
TopdanmarkAS-AR_2010 | 785 | Total provisions for insurance and investment contracts 14,478 28,882 0 43,360 Amounts due to affiliated companies 4 953 332 (1,289) 0 | 21 | annual_report |
CNPAssurancesSA-AR_2000 | 1,272 | The effect of these changes of method on shareholders’ equity and net profit is presented in Notes 28 and 29. | 20 | annual_report |
3972 | 2,194 | POLICY AND CONTRACT CLAIMS - Policy and contract claims include provisions for reported claims in process of settlement, valued in accordance with the terms of the policies and contracts, as well as provisions for claims incurred and unreported based on prior experience of the Company. Incurred but not reported claims ... | 62 | 10K |
5958 | 6,263 | Total net (benefit) cost $ (217) $ (7) $ 354 $ 19 $ 38 $ (3) $ (198) $ 31 $ 351 | 22 | 10K |
3111 | 1,334 | As part of the divestiture, Selective’s Insurance Subsidiaries entered into an agreement with the buyer, wherein Selective’s Insurance Subsidiaries have agreed to continue to use the managed care services of CHN Solutions in processing claims for its workers compensation and automobile policies issued by the Insurance ... | 106 | 10K |
LloydsBankingGroupPLC-AR_2020 | 7,119 | Loans and advances to customers 35,973 26,036 23,283 12,626 11,425 29,917 74,416 281,312 494,988 | 14 | annual_report |
NatixisSA-AR_2020 | 10,813 | The Natixis IT Department structures its Responsible Digital policy around five fundamental principles in line with the charter: to optimize digital tools to limit their impact and consumption;V | 28 | annual_report |
1326 | 294 | Impairment charges represent reductions in the value of interest-only securities and servicing rights recognized as a loss in the statement of operations. We carry interest-only securities at estimated fair value, which is determined by discounting the projected cash flows over the expected life of the receivables sold... | 195 | 10K |
INGGroepNV-AR_2008 | 3,778 | This Annual Report contains the Reports of the Executive Board and Supervisory Board as well as the Annual Accounts and Other information for the financial year 2008 in their original language (English). | 32 | annual_report |
PosteItalianeSpA-AR_2019 | 7,654 | (€m) Total at 31/12/2019 Total at 31/12/2018 of which: banks - of which: other financial companies 71 50 of which: non-financial companies - b ) Public Administration entities - d ) Other financial companies - of which: insurance companies - e ) Non-financial companies - b ) Public Administration entities - d ) Other f... | 69 | annual_report |
3961 | 1,833 | Although loss and LAE reserves are initially determined based on underwriting and pricing analyses, White Mountains Re regularly reviews the adequacy of its recorded reserves by using a variety of generally accepted actuarial methods, including historical incurred and paid loss development methods. If actual loss activ... | 86 | 10K |
2456 | 1,162 | During December 2004, we completed a tender offer to purchase subsidiary surplus notes from the holders, and purchased $258.0 million of 9.125% notes due 2010 and $174.9 million of 9.000% notes due 2027. Future interest payments on these portions of the notes will be paid by the subsidiary to the parent company, and ar... | 61 | 10K |
SwissReAG-AR_2011 | 627 | Assets�measured�at�fair�value�using�significant�unobservable�inputs�(Level�3) For the years ended 31 December, the reconciliation of fair value of pension plan assets using significant unobservable inputs were as follows: Expected�contributions�and�estimated�future�benefit�payments The employer contributions expected t... | 53 | annual_report |
RSAInsuranceGroupPLC-AR_2019 | 1,614 | Bonus awards are calculated against stretching annual financial and non-financial targets, as well as the performance of the individual executive. | 20 | annual_report |
3067 | 860 | Management determines the IBNR and LAE components of our loss reserves by establishing a point in the range of the consulting actuary’s most recent analysis of unpaid losses and LAE, which may be at a prior quarter-end, with the selection of the point based on management’s own view of recent and future claim emergence ... | 114 | 10K |
2139 | 355 | Income from continuing operations was $2.1 million, or $0.06 per share, for 2002 compared to a loss of $5.5 million, or $0.31 per share, for 2001. Income from the operations of Pyramid Life (classified as discontinued operations) was $7.1 million, or $0.21 per share, for 2002 compared to $7.9 million, or $0.44 per shar... | 152 | 10K |
4628 | 744 | The loss on change in fair value of debt amounted to $9.2 million in 2012 compared to a gain of $25.9 million in 2011. The 2012 loss is primarily due to an increase in the fair values of the Company's subordinated debt and LROC preferred units. The 2011 gain reflects a decrease in fair values, primarily during the seco... | 69 | 10K |
5239 | 1,368 | We file income tax returns in the United States and certain foreign jurisdictions. The U.S. Internal Revenue Service, or IRS, has completed its examinations of our consolidated income tax returns for 2014 and prior years. Our 2015 tax return is in the post-filing review period under the Compliance Assurance Process (CA... | 101 | 10K |
840 | 559 | While it is not possible to predict the result of any other legislative or regulatory proposals affecting the SDTF, changes in the SDTF's operations or funding which decrease the availability of recoveries or increase assessments payable by the Company could have a material adverse effect on the Company's business, fin... | 55 | 10K |
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