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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ch_zurich_insurance_group-AR_2011 | 2,131 | Gross carrying value as of January 1, 2011 352 1,201 471 582 828 3,435 | 14 | annual_report |
4236 | 1,496 | Preferred equity securities that trade in less active markets are classified within Level 2, as fair values are based on valuation methodologies, the significant inputs into which may include, but are not limited to, benchmark yields, reported trades, broker / dealer quotes and issuer spreads. | 45 | 10K |
2550 | 604 | The following tables summarize our reserves for losses and LAE by segment, by type of reserve and by segment and type of reserve as of the dates presented. For an explanation of changes in these reserves see "-Consolidated Results of Operations." | 41 | 10K |
SwissReAG-AR_2015 | 1,664 | Total Co2 emissions per employee kg/FTE1 6 645 6 723 6 433 –3.2% Energy intensity (power consumption & heating) kWh/FTE1 6 515 6 019 5 442 –16.5% | 27 | annual_report |
StorebrandASA-AR_2015 | 108 | Increasing life expectancy, low interest rates and new capital requirements through Solvency II have made the management of paid-up policies very challenging. This came to a head in 2015, when the paid-up policy company Silver was forced to submit an application to the authorities for exemption from the introduction of... | 151 | annual_report |
3912 | 2,243 | The discount rate used to measure liabilities as of December 31, 2008 is established by comparing the projection of expected benefit payments based on the assumption used for the actuarial valuation to the Mercer Yield Curve as of December 31, 2008. The expected benefit payments are discounted by each corresponding dis... | 102 | 10K |
RSAInsuranceGroupPLC-AR_2011 | 1,430 | Hedging Transactions are classified as hedging transactions when the following conditions for hedge accounting are met: • There is a formal designation and documentation of the hedging relationship and the Group’s risk management objective and strategy for undertaking the hedge | 40 | annual_report |
NatixisSA-AR_2003 | 3,031 | In accordance with the bylaws, each director must hold at least 100 shares in the Company. | 16 | annual_report |
2685 | 1,591 | Effective February 28, 2002, UICI acquired Star HRG for an initial cash purchase price of $25.0 million (which amount is included in “Acquisitions” in the table above), plus additional contingent consideration based on the future annualized premium of Star HRG measured over the three-month period ended May 31, 2003. In... | 100 | 10K |
gb_lloyds_banking_grp-AR_2015 | 2,943 | Adjustment to retained earnings for foreseeable dividends (1,427) (535) (1,427) (535) | 11 | annual_report |
gb_prudential-AR_2011 | 5,273 | We have audited the EEV basis supplementary information (‘the supplementary information’) of Prudential plc (‘the Company’) for the year ended 31 December 2011 set out on pages 385 to 432. The financial reporting framework that has been applied in the preparation of the supplementary information is the European Embedde... | 116 | annual_report |
HannoverRueckSE-AR_2018 | 577 | As at the end of the year under review we held a total amount of EUR 1.5 billion (EUR 1.8 billion) in short-term investments and cash. Funds withheld amounted to EUR 10.9 billion (EUR 10.9 billion). | 36 | annual_report |
2940 | 2,656 | The Company’s combined ratio, which is the sum of the loss and expense ratios, increased by 1.4 percentage points to 99.1% for the year ended December 31, 2004 compared to 97.7% for the year ended December 31, 2003. | 38 | 10K |
StorebrandASA-AR_2018 | 474 | Sustainable Brand Index Sweden (B2B in the industry) NEW Position 1/6 1 1 | 13 | annual_report |
ScorSE-AR_2015 | 2,653 | Deferred tax assets and liabilities and the related expense or benefit as at and for the years ended December 31, 2015, 2014 and 2013 were generated by the following items: Balance sheet as at December 31 Deferred tax benefit / (expense) for the period | 44 | annual_report |
HannoverRueckSE-AR_2006 | 700 | Best reinsurer in North America for the second time in succession | 11 | annual_report |
RSAInsuranceGroupPLC-AR_2015 | 2,377 | Russia Held for sale at 31 December 2015 Sale completed 29 January 2016 | 13 | annual_report |
fr_axa-AR_2016 | 7,484 | Debts relating to investments under total return swap (“TRS”) - 163 949 1,112 | 13 | annual_report |
4540 | 1,527 | During March 2012, CMS issued new Supplemental Security Income ("SSI") ratios used for calculating Medicare DSH reimbursement for FFYs ending September 30, 2006 through September 30, 2009. As a result of these new SSI ratios, hospitals must recalculate their Medicare DSH reimbursement for the affected years and record ... | 126 | 10K |
HannoverRueckSE-AR_2008 | 321 | In facultative reinsurance we are a sought-after partner in Southeast Asia for non-proportional property business and liability covers. | 18 | annual_report |
5467 | 888 | Experience-rated commissions are earned from certain reinsurance companies based on the financial results of the applicable risks ceded to the reinsurers. These commission revenues on reinsurance contracts are recognized during the related reinsurance treaty period and are based on the same assumptions used for recordi... | 116 | 10K |
StandardLifeAberdeenPLC-AR_2013 | 2,459 | Canada UP94 projected to 2015 Scale AA 63 23 23 25 25 | 12 | annual_report |
3763 | 821 | Consolidated expenses from continuing operations increased 3% to $2.9 billion in 2008 from $2.8 billion in 2007. The increase in consolidated expenses was principally due to additional loss and LAE incurred of $1.2 billion related to our insured second-lien RMBS exposure and interest expense on surplus notes issued in ... | 102 | 10K |
4871 | 2,539 | Losses and loss adjustment expenses reflect favorable current accident year losses before catastrophes in all lines of business and lower unfavorable prior accident years development. | 25 | 10K |
fr_axa-AR_2014 | 9,557 | In our capacity as Statutory Auditor of the company AXA, appointed as an independent third party and certifi ed by COFRAC under number 3-1060 (1) , we hereby present to you our report on the [consolidated] environmental, labour and social information for the year ended…, presented in the management report (hereinafter ... | 67 | annual_report |
AegonNV-AR_2009 | 229 | This capital has been released through a combination of different measures, including risk reduction and a more active approach to capital management. AEGON’s aim is to maintain a sufficient capital buffer to protect the company’s long-term business and its credit and financial strength ratings. At the end of 2009, AEG... | 68 | annual_report |
ASRNederlandNV-AR_2014 | 2,053 | In accordance with the remuneration law ‘Wet aansprakelijkheidsbeperking DNB en AFM en bonusverbod staatsgesteunde ondernemingen’, issued by the Dutch government, no variable remuneration has been disbursed to the executive directors for the 2014 a.s.r. financial year. The deferred variable remuneration for 2010 has be... | 104 | annual_report |
5463 | 357 | We lease office space in Nashville, Tennessee for our corporate offices, claims, customer service and data center (approximately 80,000 square feet). We also lease office space for our regional claims office in Tampa, Florida and for our regional claims office and customer service center in Chicago, Illinois. Our retai... | 88 | 10K |
nl_ing_grp-AR_2018 | 3,325 | Interest income on non-trading derivatives (hedge accounting) n/a 5,690 6,213 Interest expense other 33 331 363 | 16 | annual_report |
5287 | 1,383 | For many exposures, especially those that can be considered long-tail, a particular accident or policy year may not have a sufficient volume of paid losses to produce a statistically reliable estimate of ultimate losses. In such a case, CNA’s actuaries typically assign more weight to the incurred development method tha... | 182 | 10K |
NatwestGroupPLC-AR_2005 | 60 | Staff profit sharing Reflecting the strong financial performance of the Group, we are delighted that our staff are once again sharing in our success with a profit share for the year at 10% of basic salaries. | 36 | annual_report |
PhoenixGroupHoldingsPLC-AR_2012 | 888 | 26 January 2010 29 March 2010 One month 2 May 2013 | 11 | annual_report |
fr_axa-AR_2013 | 6,172 | UNREALIZED GAINS AND LOSSES (NET OF TAX) – 100% – TOTAL 1,434 338 254 | 14 | annual_report |
2875 | 517 | The Company maintains a portion of its investment portfolio in relatively short-term and highly liquid investments to ensure the immediate availability of funds to pay claims and expenses. At December 31, 2005 and 2004, the Company had $28.7 million and $64.3 million, respectively, in cash and cash equivalents. See fur... | 62 | 10K |
LloydsBankingGroupPLC-AR_2020 | 3,173 | Link between pay and performance The Group’s approach to reward is intended to provide a clear link between remuneration and delivery of its key strategic objectives, supporting the aim of becoming the best bank for customers, and through that, for shareholders. To this end, the performance management process has been ... | 81 | annual_report |
875 | 482 | As a holding company, Fremont General Corporation ("the holding company") pays its operating expenses, meets its other obligations and pays stockholders' dividends from its cash on hand, management fees paid by its subsidiaries and dividends paid by its subsidiaries. Stockholders' dividends declared aggregated $20.9 mi... | 121 | 10K |
4819 | 1,405 | For asbestos and environmental claims, we supplement our traditional loss forecasting methods with additional approaches that attempt to capture the risk characteristics of these insureds and the claimants involved. | 29 | 10K |
4614 | 794 | million of additional expense in 2012 in our property and casualty insurance segment than would have been had the guidance remained the same. In compliance with the new accounting guidance we calculate the amount of underwriting compensation expense eligible for deferral based on time studies and a ratio of success in ... | 53 | 10K |
3270 | 377 | The Credit Agreement permits the Company to request additional facilities in amounts up to $125.0 million and provides that a portion of the revolving credit facility will be available for the issuance of letters of credit. Borrowings bear interest at variable rates based on LIBOR plus a negotiated spread (1.50% at Dec... | 216 | 10K |
LloydsBankingGroupPLC-AR_2003 | 2,599 | Lloyds TSB Group plc is not owned or controlled directly or indirectly by another corporation or by any government and Lloyds TSB Group plc is unaware of any arrangements which might result in a change in control. | 37 | annual_report |
4826 | 553 | Net Investment Income for the years ended December 31, 2012 and 2011 was $980 and $2,061, respectively. The decline in 2012 is primarily due to operating losses incurred with respect to certain operations of our real estate investments. | 38 | 10K |
1628 | 163 | 21ST CENTURY INSURANCE GROUP NOTES TO CONSOLIDATED FINANCIAL STATEMENTS DECEMBER 31, 2001 AMOUNTS IN THOUSANDS, EXCEPT SHARE DATA | 18 | 10K |
5309 | 996 | The increase in operating revenues in 2015, compared with 2014 was primarily due to a higher customer base in our Government segment, as well as revenue growth in specialty businesses and higher premiums in the U.S. Commercial segment reflecting rate actions on most risk products primarily to recover underlying medical... | 52 | 10K |
4090 | 1,142 | The carrying amounts and fair values of the Company’s financial instruments as of December 31, 2009 and 2008 are presented in the following table. | 24 | 10K |
NatwestGroupPLC-AR_2020 | 5,616 | January 2021, many of NatWest Group’s employees continue to work remotely. This has increased reliance on the IT systems that enable remote working and increased exposure to fraud, conduct, operational and other risks and may place additional pressure on NatWest Group’s ability to maintain effective internal controls a... | 123 | annual_report |
NatixisSA-AR_2018 | 9,714 | The notional amount of these instruments is recorded off-balance sheet for internal monitoring and regulatory purposes, but is not included in the published statement of off-balance sheet items. Details for these instruments are provided in the notes. | 37 | annual_report |
NatixisSA-AR_2014 | 2,782 | In addition to the aforementioned items, the increase in CET1 capital was primarily due to the favorable impact of the change in the phase in rate applied to on items deducted from Additional Tier 1 (AT1) capital. | 37 | annual_report |
3034 | 826 | We invest a substantial portion of our cash in the CADRE Affinity Fund and CADRE Reserve Fund (CADRE Funds), a portfolio of highly liquid money market securities. The CADRE Funds are a series of funds | 35 | 10K |
AdmiralGroupPLC-AR_2005 | 266 | During 2005, the Committee instructed external search consultants to provide support in relation to the appointment of a Non-executive Director. Detailed role specifications were drawn up with reference to the mix of skills, knowledge and experience of the existing Directors and the requirements of the Board. Interview... | 73 | annual_report |
5540 | 1,910 | The 2013 Facility contains certain financial and other covenants (including risk-based capital, minimum shareholders’ equity levels, maximum ratios of total debt outstanding to total capitalization and minimum fixed charge coverage ratios) with which the Company was in compliance at December 31, 2018. | 42 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2018 | 351 | The situation in the insurance and banking sector may also change in connection with new entrants and trends associated | 19 | annual_report |
468 | 509 | The Company has accounted for the allocation of the purchase price and the net assets of CIC's workers' compensation line of business in accordance with the EITF 87-11 guidance stated above. Accordingly, the net assets related to CIC's workers' compensation line of business as of December 31, 1996 have been reflected o... | 126 | 10K |
NatwestGroupPLC-AR_2014 | 2,238 | The directors present their report together with the audited accounts for the year ended 31 December 2014. | 17 | annual_report |
HelvetiaHoldingAG-AR_2013 | 1,840 | Total retained earnings as of 31 December 2 939.0 2 665.0 | 11 | annual_report |
3400 | 639 | · Operating earnings from the Acquisitions segment increased $24.7 million, or 23.6%, for the year ended December 31, 2007 compared to the year ended December 31, 2006 due to the completion of the Chase Insurance Group acquisition during the third quarter of 2006. This acquisition contributed $58.6 million to 2007’s op... | 147 | 10K |
AssicurazioniGeneraliSpA-AR_2018 | 2,362 | Assets for pre-paid taxes - IRES 0 0 0 0 0 0 | 12 | annual_report |
4466 | 6,959 | AGP and EGP primarily consist of the following components: contract charges for the cost of insurance less mortality costs and other benefits; investment income and realized capital gains and losses less interest credited; and surrender and other contract charges less maintenance expenses. The principal assumptions for... | 123 | 10K |
4043 | 610 | Interest expense increased 29.2% to $25.3 million in 2009 and 17.4% to $19.6 million in 2008 primarily due to an increase in our debt outstanding. Our average debt outstanding was $380.2 million in 2009 compared to $336.7 million in 2008 and $296.6 million in 2007. As discussed in the "Liquidity and Capital Resources" ... | 118 | 10K |
SwissReAG-AR_2004 | 1,175 | Monitoring the risk landscape to identify business opportunities and to anticipate the potential impacts of key industry trends is essential to Swiss Re’s success. The Group fosters ongoing research and analysis as well as communication activities on Top Topics of strategic relevance. The table below shows a selection ... | 53 | annual_report |
SwissLifeHoldingAG-AR_2003 | 233 | Investment Management Swiss Life’s Investment Management segment generated a profit of CHF 95 million. In addition to ongoing business, the focus in 2003 was on defining and introducing new processes in asset and liability management. Compared to the previous year, assets under management rose by 8 % to CHF 99.4 billio... | 51 | annual_report |
5843 | 818 | (1)Transfers into Level 3 represent assets previously priced using an external pricing service with access to observable inputs no longer available and therefore, were priced using unobservable inputs. Transfers out of Level 3 include those assets that we are now able to obtain pricing from a third-party pricing vendor... | 107 | 10K |
3567 | 975 | The Individual A&H and Other segment had favorable development of $1.0 million. The Company experienced $.7 million favorable variance related to 2006 reserves on our Blanket Accident and sickness product that is sold to volunteer fire districts, due to lower claims experience than historically experienced. The Company... | 75 | 10K |
3563 | 1,402 | • $14.9 million in several product lines related to mature accident periods in which actual loss experience was better than expected; | 21 | 10K |
5625 | 590 | Reconciliation of Non-GAAP Measures - Pre-tax Earnings and Diluted Net Earnings per Share | 13 | 10K |
HelvetiaHoldingAG-AR_2017 | 2,900 | “We believe there are attractive growth opportunities in the SME area – thanks to our market position, our sales channels and our products. Our simple insurance solutions offer a high degree of relevance and greater convenience for customers. As an example, read the customer stories of the floor layer | 49 | annual_report |
SwissLifeHoldingAG-AR_2012 | 2,366 | The allocated deferred compensation in cash represents an entitlement during the three-year deferral period. The underlying “deferred cash plan” also provides for adjustment and reclaiming mechanisms (clawback). Full or partial reduction of the deferred compensation is provided for in the following cases: negative impa... | 105 | annual_report |
570 | 347 | are not likely to be resolved in the near future. Everest Re establishes reserves to the extent that, in the judgment of management, the facts and prevailing law reflect an exposure for Everest Re or its ceding company. Due to the uncertainties discussed above, the ultimate losses may vary materially from current loss ... | 82 | 10K |
TrygAS-AR_2012 | 343 | The expense ratio was 20.0 (19.4), which was lower than for the full year. | 14 | annual_report |
3592 | 2,035 | Cash flows from financing activities are affected by payments and proceeds from our borrowings, dividends paid to our stockholders and treasury stock acquisitions. For the year ended December 31, 2007, we acquired $1,124 million of treasury stock and paid $163 million in dividends to our stockholders. In 2007, we issue... | 68 | 10K |
2248 | 742 | Approximately 92% of the fixed maturities that Infinity held were rated “investment grade” (credit rating of AAA to BBB) by nationally recognized rating agencies at December 31, 2003. Investment grade securities generally bear lower yields and lower degrees of risk than those that are unrated or non-investment grade. M... | 67 | 10K |
ScorSE-AR_2013 | 1,037 | SCOR SE, and its consolidated subsidiaries has been the world’s 5th largest reinsurer (1) in 2013 and 2012, serving more than 4,000 clients. | 23 | annual_report |
5190 | 917 | In December 1993, the NAIC adopted a Risk-Based Capital (RBC) Model Law for property and casualty companies. The RBC Model Law is intended to provide standards for calculating a variable regulatory capital requirement related to a company's current operations and its risk exposures (asset risk, underwriting risk, credi... | 180 | 10K |
NatixisSA-AR_2006 | 55 | Convinced of the need, in a rapidly evolving sector, to establish a strong footing in the areas of corporate and investment banking, asset management and services, we decided to pool our operations in these fi elds in which size, technological and fi nancial innovation and a global presence are fundamental. | 50 | annual_report |
1353 | 822 | At December 31, 1999 and 1998, bank and other borrowings consists of loans and promissory notes borrowed to finance the purchase of land and investment securities. The weighted average interest rate on these borrowings was approximately 6.9% and 8.5% at December 31, 1999 and 1998, respectively. | 46 | 10K |
4709 | 1,844 | Vanguard Health Systems, Inc. (the “Company”) is an investor-owned health care company whose subsidiaries and affiliates own and operate hospitals and related health care businesses in urban and suburban areas. The Company's common stock is traded on the New York Stock Exchange (symbol "VHS"). As of June 30, 2013, the ... | 121 | 10K |
HiscoxLtd-AR_2013 | 338 | yields, particularly longer dated ones, finished near their highest levels of the year. Equity investors eventually took the news more calmly, reassured by improving economic data in the developed world and verbal commitments from the main Central Banks that short-terms rates would be kept low for an extended period. E... | 95 | annual_report |
INGGroepNV-AR_2013 | 6,065 | Additional Pillar 3 information continued 383ING Group Annual Report 2013 1 W h o w e are 2 R | 19 | annual_report |
3881 | 747 | Revenues decreased $268 million in 2008 as compared with 2007. Revenues were unfavorably impacted by lower net investment income and higher net realized investment losses. See the Investments section of this MD&A for further discussion of net investment income and net realized investment results. | 44 | 10K |
PhoenixGroupHoldingsPLC-AR_2019 | 3,357 | The £19 million and £17 million negative impact of changes in persistency and mortality assumptions respectively reflects the results of the latest experience investigations. | 24 | annual_report |
2387 | 1,483 | Total revenues increased 13.7% in 2004 compared with 2003, and increased 4.3% in 2003 compared with 2002. The increases were driven by: | 22 | 10K |
4489 | 989 | The following table includes the fair value, amortized cost, unrealized loss, and total time period that the security has been in an unrealized loss position for all below investment grade securities as of December 31, 2011: | 36 | 10K |
ScorSE-AR_2020 | 3,993 | Net gains/(losses) on cash flow hedges 22 (6) 16 30 (8) 22 (6) 3 (3) | 15 | annual_report |
NatwestGroupPLC-AR_2020 | 129 | Effective oversight is especially critical at times like these. At NatWest Group, we quickly established a rhythm of weekly, virtual Board meetings to receive updates from the management team on our response to COVID-19 and how the implementation of Our Purpose was helping to meet the needs of customers. | 49 | annual_report |
3684 | 4,668 | On September 21, 2005, the Board of Directors of the Company approved amendments pertaining to the 401(k) Plan including the following: | 21 | 10K |
ASRNederlandNV-AR_2011 | 241 | Profit for the year The profitability of the Life business was heavily influenced in 2011 by the effect of turbulent financial markets and the impact of the compensation on unit-linked insurance contracts. The impact of the financial markets consisted mainly of low interest rates, the reduction in investment risks in p... | 133 | annual_report |
5765 | 990 | Municipal Bonds. The following table provides the fair value of our municipal bonds as of December 31, 2019, categorized by state and revenue source. Special revenue bonds are debt securities for which the payment of principal and interest is available solely from the cash flows of the related projects. As issuers of r... | 83 | 10K |
4458 | 642 | As our claims data for older ages in our long duration lifetime claim block in our Closed Block individual disability line of business has become credible, we are now able, with a higher degree of confidence, to assess our own experience for this particular claim block. Emerging experience indicates a longer life expec... | 125 | 10K |
4545 | 923 | From December 31, 2010 to December 31, 2012, we increased our at-risk managed care membership by 1,026,800, or 67.0%. The following table sets forth our membership by state for our managed care organizations: | 33 | 10K |
2379 | 891 | Net income was $36.1 million in 2003 as compared with $53.3 million in 2002. The decrease in net results was primarily due to increased unfavorable net prior year development of $137.1 million after-tax and minority interest ($234.0 million pretax), an increase in the bad debt provision for reinsurance receivables of $... | 159 | 10K |
ch_zurich_insurance_group-AR_2018 | 3,028 | Quota share reinsurance treaties in USD millions, for the years ended December 31 All Lines agreement | 16 | annual_report |
HannoverRueckSE-AR_2011 | 3,943 | Gross book value at 31 December of the previous year 338,634 190,212 | 12 | annual_report |
5952 | 1,545 | Foreign gross premiums written in 2020, 2019 and 2018 were approximately $1.7 billion, $1.7 billion and $1.6 billion, respectively. | 19 | 10K |
gb_prudential-AR_2003 | 940 | The consolidated financial statements of the Group include the assets, liabilities and results of the Company and subsidiary undertakings in which Prudential has a controlling interest, using accounts drawn up to 31 December 2003. The results of subsidiaries are included in the financial statements from the date acquir... | 82 | annual_report |
4526 | 1,115 | The following table summarizes stock option activity for the year ended December 31, 2012: | 14 | 10K |
de_allianz-AR_2015 | 1,564 | A dedicated team selects our reinsurance partners, focusing on companies with strong credit profiles. We may also require letters of credit, cash deposits, or other financial measures to further mitigate our exposure to credit risk. As of 31 December 2015, 86.0 % (2014: 82.9 %) of the Allianz Group’s reinsurance recove... | 108 | annual_report |
SwissReAG-AR_1990 | 386 | Of the current account balances Sw. frs. 946.5 million was for reinsurance and Sw.frs. 50.3 million for retrocession business. Other liabilities totalled Sw.frs. 65.9 million, mainly comprising current accounts run for personnel wel fare funds and pool companies. | 38 | annual_report |
StorebrandASA-AR_2013 | 264 | The Insurance business area includes the Group’s risk products1. This business area offers health insurance in the Norwegian and Swedish corporate and retail markets, P&C insurance and personal risk products in the Norwegian retail market and employee insurance and pensions-related insurance in the Norwegian corporate ... | 46 | annual_report |
5387 | 2,488 | a review of portfolio of contracts performed to identify those contracts which may be exposed to the catastrophic event; | 19 | 10K |
5523 | 400 | Consolidated Condensed Results of Operations for the Years Ended December 31, 2018 and 2017 | 14 | 10K |
1937 | 538 | PXRE Barbados was licensed as an insurance company under Barbados' Insurance Act, 1996 and its name was changed from PXRE (Barbados) Ltd. to PXRE Reinsurance (Barbados) Ltd. It is not licensed nor admitted as an insurer in any jurisdiction other than Barbados. PXRE Barbados provides finite reinsurance coverages to clie... | 58 | 10K |
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