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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5298 | 14,010 | See Note 3 - “Reserves for Unpaid Losses and Loss Adjustment Expenses” on page for prior year loss and LAE development discussions for the years ended December 31, 2016, 2015 and 2014. | 32 | 10K |
LloydsBankingGroupPLC-AR_2011 | 3,681 | (S) Cash and cash equivalents For the purposes of the cash flow statement, cash and cash equivalents comprise cash and non‑mandatory balances with central banks and amounts due from banks with a maturity of less than three months. | 38 | annual_report |
NatwestGroupPLC-AR_2020 | 2,142 | This means NatWest Group will pay colleagues fairly for the job they do and be clear on how they can make their pay and benefits work for them. | 28 | annual_report |
3111 | 1,141 | During 2004, Selective purchased a property and casualty insurance company, domiciled in Maine, with approximately $5.0 million in surplus that was not writing any business at the time of acquisition, for $5.3 million. Separate pro forma information of this acquisition has not been presented, as management has determin... | 54 | 10K |
NatixisSA-AR_2016 | 7,230 | The main features of undated deeply subordinated securities are outlined in the Chapter 14 of “Risk and Pillar III report 2016”. | 21 | annual_report |
de_allianz-AR_2011 | 1,851 | in addition, Group Risk independently supports the adequacy of the operating entity (oe) risk management (i) through the development of a common risk management framework and (ii) by monitoring adherence to Group minimum requirements for methods and processes. | 38 | annual_report |
5714 | 1,086 | The following table provides the carrying value and estimated fair value of our outstanding commercial mortgage loans and the underlying collateral as of December 31, 2019 (dollars in millions): | 29 | 10K |
4247 | 2,107 | See Notes 8, 9 and 15 for discussion of affiliated expenses included in the table above. | 16 | 10K |
NatixisSA-AR_2017 | 4,936 | Provisions booked on the liabilities side of Natixis’ financial statements as at December 31, 2017 and as at December 31, 2015, are discussed in Note 6.16.2 “Contingency reserves” and possible allocations are specified in Note 7.5 “Other income and expenses”, Note 7.6 “Operating expenses” and Note 7.7 “Provision for cr... | 51 | annual_report |
AegonNV-AR_2014 | 864 | Commissions and expenses Commissions and expenses decreased by 4% in 2013 compared with 2012. Operating expenses decreased by 2% compared with 2012, to EUR 732 million, as realized cost savings and lower employee benefit expenses offset investments in the business. | 40 | annual_report |
NatwestGroupPLC-AR_2017 | 1,740 | RBS Holdings N.V. (formerly ABN AMRO Holding N.V.) In 2017 NatWest Markets announced its plan to repurpose the existing licence in the Netherlands. This proposed approach should minimise disruption to the business and allow it to continue to serve customers in the event of any loss of EU passporting, as a result of the... | 95 | annual_report |
NatwestGroupPLC-AR_2006 | 1,528 | No variation was made to any of the terms of the plan during the year. The performance measures are detailed on page 116. | 23 | annual_report |
CNPAssurancesSA-AR_2018 | 269 | CNP Assurances | Registered office: 4 place Raoul Dautry, 75716 Paris Cedex 15 Tel.: +33 (O)1 42 18 88 88 | www.cnp.fr | Groupe Caisse des Dépôts | 27 | annual_report |
4766 | 675 | The insurance segment is comprised of AIHL’s RSUI, Capitol and PCC operating subsidiaries. RSUI also writes a modest amount of assumed reinsurance business, which is included in the insurance segment. For a more detailed description of our insurance segment, see Part I, Item 1, “Business-Segment Information-Insurance S... | 51 | 10K |
BeazleyPLC-AR_2015 | 643 | Cost efficiency Beazley is organised to a large degree around global underwriting and claims teams. This model has served us well in ensuring that products that succeed in one market can be swiftly introduced in others. However it is important that this does not result in back office systems and support resources becom... | 66 | annual_report |
AegonNV-AR_2012 | 2,453 | Base fee for membership of the Supevisory Board EUR / year Chairman 60,000 | 13 | annual_report |
PowszechnyZakladUbezpieczenSA-AR_2012 | 803 | PZU GROUP ACTIVITIES IN 2012 9. Activities, key developments and achievements of the major PZU Group Companies | 17 | annual_report |
RSAInsuranceGroupPLC-AR_2020 | 643 | 2020 snapshot · We acted quickly and decisively to look after our people and their families during the Covid-19 outbreak, mobilising homeworking for the majority, including flexible hours for those providing homecare, and arranging safe office conditions where necessary for certain roles and those who could not work fr... | 53 | annual_report |
TopdanmarkAS-AR_2014 | 177 | The reduction in shareholders' equity of DKK 1,716m was partly offset by DKK 110m strengthening of shareholders' equity by issue and exercise of share options etc. | 26 | annual_report |
235 | 792 | Ratios The following ratios may be considered relevant indicators of the Company's liquidity and are typically presented by the Company in its prospectuses and similar documents. Management believes that balance sheet ratios (debt-to-equity) are more meaningful on a parent only basis. On the other hand, earnings statem... | 78 | 10K |
SwissReAG-AR_2020 | 4,718 | The impairment assessments of investments in subsidiaries and affiliated companies are based on the selected valuation method that reflects specific characteristics of the investment and corresponding assumptions as model inputs. | 30 | annual_report |
gb_prudential-AR_2007 | 4,008 | Smoothed shareholders’ fundsnote vii 6,031 5,155 Actual shareholders’ funds less smoothed shareholders’ funds 466 658 EEV basis shareholders’ funds 6,497 5,813 | 21 | annual_report |
SwissReAG-AR_1989 | 685 | Policyholder: The insurer's contractual partner who receives ^ cover in return for payment of a ^ premium. | 17 | annual_report |
4300 | 1,021 | Fair values of privately placed bonds are determined using a matrix-based pricing model and are classified as Level 2 assets. The model considers the current level of risk-free interest rates, current corporate spreads, the credit quality of the issuer, and cash flow characteristics of the security. Also considered are... | 109 | 10K |
3194 | 867 | (3) Earnings per share, year-end common shares outstanding, cash dividends per share and book value per share were restated for the years prior to 2004 to reflect the impact of the merger with SPC. | 34 | 10K |
4888 | 1,639 | The fair value of the FIA account balance liability is predominantly impacted by observable inputs such as discount rates and equity returns. However, the fair value of the FIA embedded derivative is sensitive to non-performance risk, which is unobservable. The value of the liability increases with decreases in the dis... | 86 | 10K |
HiscoxLtd-AR_2019 | 608 | Relevant skills and experience s Extensive accounting and financial reporting expertise. | 11 | annual_report |
3288 | 972 | In certain circumstances, we assume that a decline in value below cost is temporary for fixed-maturity investments, with unrealized losses due to market conditions or industry-related events from which the market is expected to recover; in these cases, we can hold the investment until maturity or the market recovers, w... | 80 | 10K |
2297 | 1,016 | As discussed in Note 1 to the consolidated financial statements, the Company changed its method of accounting and reporting for certain special purpose entities effective December 31, 2003; its method of accounting for embedded derivatives within certain reinsurance arrangements effective October 1, 2003; its method of... | 71 | 10K |
fr_axa-AR_2015 | 4,568 | Sterling (€503 million at the end of 2015 versus €404 million in 2014). AXA Corporate Solutions Assurance carries assets denominated in foreign currencies to ensure balance sheet congruence. The congruence between the Company’s foreign currency assets and liabilities is regularly adjusted. | 41 | annual_report |
AvivaPLC-AR_2019 | 3,806 | We use loan to value, interest and debt service cover, and diversity and quality of the tenant base metrics to internally monitor our exposures to mortgage loans. We use credit quality, based on dynamic market measures, and collateralisation rules to manage our stock lending activities. Policy loans are loans and advan... | 61 | annual_report |
1727 | 606 | Professional Fees. Revenue for professional medical services is recorded on the accrual basis in the period in which the services are provided. Such revenue is recorded at established rates, net of provisions for estimated contractual allowances. | 36 | 10K |
4268 | 591 | A 10% increase in expected surrender rates for all future years would result in a reduction in VOBA and an increase in current period amortization expense of $0.9 million. | 29 | 10K |
CNPAssurancesSA-AR_2009 | 169 | 2.2 main initiatives in 2009 In 2008, a global crisis of exceptional proportions hit financial markets before exerting extreme pressure on the real economy. In 2009, financial markets rallied even though all sectors of the economy were still smarting from the aftereffects of the crisis. | 45 | annual_report |
4536 | 186 | We do not currently intend to retain any entity to act as a “finder” to identify and analyze the merits of potential target businesses. However, if we do, at present, we contemplate that at least one of the third parties who may introduce business combinations to us may be our majority shareholder, Paragon, or certain ... | 105 | 10K |
2312 | 1,341 | In December 1998, Old Conseco formed three investment trusts which invest in various fixed maturity, limited partnership and other types of investments. The initial capital structure of each of the trusts consisted of: (i) principal-protected senior notes; (ii) subordinated junior notes; and (iii) equity. The senior pr... | 131 | 10K |
4496 | 609 | income on a pro rata basis over the term of the underlying policies. We record our pay-plan fees, which we charge to all policyholders that pay their premium in more than one installment, as income when collected. We report all policy-related fees in other revenue on our Consolidated Statements of Income. | 51 | 10K |
5031 | 352 | Net earned premiums increased $1.9 million, or 3.5%, during 2015 as compared to 2014. The increase in net earned premiums was primarily attributable to increases in automobile physical damage and surety earned premiums from both new and existing programs. Partially offsetting the increase in net earned premiums was the... | 93 | 10K |
SwissReAG-AR_2014 | 3,345 | With respect to a maximum of CHF 5 000 000 through the issuance of up to 50 000 000 registered shares, payable in full, each with a nominal value of CHF 0.10, out of the total amount of authorised capital referred to above, the subscription rights of shareholders may not be excluded. | 52 | annual_report |
NatixisSA-AR_2014 | 3,295 | To map of extremely risky situations, which are infrequent but have a major impact, the quantitative factors are based on the use of external data related to incidents in the fi nancial industry. | 33 | annual_report |
5210 | 961 | There were no transfers between Level 1 and Level 2 during the years ended December 31, 2016 or 2015. | 19 | 10K |
StandardLifeAberdeenPLC-AR_2015 | 199 | Supporting The Ryder Cup Our partnership with The Ryder Cup, the biennial golf competition between Europe and the USA, complements our reputation as a leading global asset manager with strong performance and a distinctive team culture. Uniting our distinct talents through teamwork is what really creates the unique adva... | 64 | annual_report |
5920 | 1,272 | •Hedge funds may invest in a wide range of instruments, including debt and equity securities, and utilize various sophisticated strategies, including derivatives, to achieve their objectives. We invest in fixed income, equity and multi-strategy hedge funds. | 36 | 10K |
5368 | 1,621 | We regularly review our assumptions and perform loss recognition testing at least annually. In 2017 and 2016, we performed loss recognition testing and determined that we had premium deficiencies in our fixed immediate annuity products. As of June 30, 2016, we wrote off the entire DAC balance for our fixed immediate an... | 179 | 10K |
SwissReAG-AR_1973 | 100 | On the other hand, current investment income de veloped well. After deduction of interest on the Life assurance and annuity fund and other technical reserves, it increased substantially by Sw. frs. 23.6 million to Sw. frs. 133.0 million. This corresponds to a growth of approximately 20 %. | 47 | annual_report |
4592 | 2,593 | Effect of business combination expenses and the amortization of purchased intangible assets on combined ratio | 15 | 10K |
2670 | 4,047 | agent responsible to the Company for any deficiency between the cost of replacing a security that was not returned and the amount of collateral held by the Company. | 28 | 10K |
5857 | 810 | Significant components of the deferred tax assets and liabilities were as follows for the periods presented: | 16 | 10K |
211 | 348 | TO THE BOARD OF DIRECTORS AND STOCKHOLDERS OF COTTON STATES LIFE INSURANCE COMPANY | 13 | 10K |
PosteItalianeSpA-AR_2019 | 4 | Risk management model 32 3. Strategy and business model 60 7. Consolidated non-financial statement 253 8. Summary of the resolutions of the ordinary Shareholders’ Meeting 269 9. Other information 271 | 30 | annual_report |
1554 | 692 | Our aggregate invested assets, including cash and short-term investments, totaled $279.1 million at December 31, 2000, compared to $585.9 million at December 31, 1999. The decrease in cash and invested | 30 | 10K |
StorebrandASA-AR_2011 | 1,033 | Positions of trust: 2004-, Board Member of Electronic Transaction Group Nordic Holding AB. l 2008-, Chairman of Fourth Swedish National Pension Fund l 2002-, Board Member of Investment AB, Ôresund l 2006-, Chairman of Allenex AB. l 2004-, Board Member of Poolia AB l 2003-, Board Member of Schibsted ASA l 2010-, Board M... | 101 | annual_report |
2729 | 1,169 | On September 28, 2005, we completed an initial public offering and raised $44.3 million (net of underwriters’ discounts and related expenses), including proceeds of an over-allotment exercised by the underwriters on November 15, 2005. We contributed $19.0 million of the net proceeds to our insurance company subsidiarie... | 80 | 10K |
2793 | 664 | The following table, which summarizes premium and fee income by segment, presents supplemental information for the years ended December 31, 2005, 2004 and 2003: | 24 | 10K |
4959 | 2,874 | above the guaranteed cash flows is used to determine the value attributed to the equity index feature. The inputs used in determining the fair value include policyholder behavior (lapses and withdrawals), near-term equity index volatility, expected future interest credited, forward interest rates and an adjustment to t... | 111 | 10K |
4422 | 1,161 | The loss development patterns are also key inputs to our loss estimation process. Loss development patterns reflect the time lag between the occurrence and settlement of a loss. The time lag in reporting can be several years in some cases and may be attributed to a number of reasons, including the time it takes to inve... | 214 | 10K |
gb_lloyds_banking_grp-AR_2009 | 2,610 | Other differences between IFRS and regulatory valuation of assets and liabilities – 25 (317) (4) (296) | 16 | annual_report |
4107 | 2,331 | Investment income on mortgage-backed and asset-backed securities is initially based upon yield, cash flow and prepayment assumptions at the date of purchase. Subsequent revisions in those assumptions are recorded using the retrospective or prospective method. Under the retrospective method, used for mortgage-backed and... | 144 | 10K |
PosteItalianeSpA-AR_2019 | 374 | Guarantee the privacy of customers' data, protect intellectual property and provide an effective management system for IT security and cybersecurity in order to ensure business continuity, protect the information assets of the Company, customers and other stakeholders, and the security of transactions. | 42 | annual_report |
ScorSE-AR_2014 | 1,646 | 19.2 Regulated agreements Regulated agreements and commitments in accordance with Articles L. 225-38 and following of the French Commercial Code appear in the Auditors special report in Section 19.3. | 29 | annual_report |
AdmiralGroupPLC-AR_2009 | 316 | • ConTe started operating in Rome, Italy in May 2008 and closed 2009 with 35,500 customers | 16 | annual_report |
3078 | 3,031 | *Liability amounts are those reported on the consolidated balance sheet as of December 31, 2006. | 15 | 10K |
4634 | 1,207 | Ambac’s fixed income portfolio includes securities covered by guarantees issued by Ambac Assurance and other financial guarantors (“insured securities”). The published Moody’s and S&P ratings on these securities reflect the higher of the financial strength rating of the financial guarantor or the rating of the underlyi... | 126 | 10K |
5625 | 739 | (1) Pretax earnings (loss) are presented net of amounts attributable to noncontrolling interests of $31.7 million in 2018, $28.0 million in 2017 and $27.0 million in 2016. | 27 | 10K |
NatixisSA-AR_2002 | 247 | Income by 2%. Despite the less favorable economic environment, the various business units achieved satisfactory growth. | 16 | annual_report |
4642 | 367 | Prepaid expenses and other assets were $412,065 at December 31, 2012, an increase of 8.9% from December 31, 2011. The balance primarily relates to (1) prepaid directors’ and officers’ liability insurance costs, (2) the prepaid directors’ retainer, (3) prepaid professional fees and (4) premiums due to APSL under the Age... | 75 | 10K |
3912 | 1,195 | in the cure rate of defaults and an increase in claims paid. In 2008, we paid total claims of $916.1 million, representing a 76.8% increase over the $518.1 million of claims paid in 2007. We expect that claims paid will significantly increase in 2009 to between $1.4 billion and $1.7 billion. Recent legislation and loan... | 152 | 10K |
HelvetiaHoldingAG-AR_2016 | 2,248 | At the reporting date a mortgage loan had been granted to Philipp Gmür for CHF 1 000 000 (previous year: CHF 1 000 000). In the reporting year the loan, a fixed mortgage at employee conditions, earned inter- | 38 | annual_report |
fr_axa-AR_2009 | 4,136 | ■ Executive Committee members are required to hold the equivalent of their total cash compensation multiplied by 1.5. | 18 | annual_report |
5303 | 1,026 | Our public company expenses incurred during the years presented consisted of director fees, corporate insurance premiums, audit fees, share-based compensation and other expenses associated with being a publicly traded company. The modest decrease in these expenses during the year ended December 31, 2016, versus those o... | 76 | 10K |
AvivaPLC-AR_2018 | 4,356 | Cash remittances‡ # Cash paid by our operating businesses to the Group, comprised of dividends and interest on internal loans. Dividend payments by operating businesses may be subject to insurance regulations that restrict the amount that can be paid. The business monitors total cash remittances at a Group level and in... | 55 | annual_report |
4879 | 872 | Group life sales were lower in 2013 compared to 2012 as a result of declines in new account sales in both the core and large case markets, which more than offset higher sales to existing customers. The decrease in group life sales was due in part to pricing discipline and the initiation of rate increases on new busines... | 90 | 10K |
4568 | 900 | sales and administration of a higher proportion of mutual funds that enable us to earn marketing and support fees will increase our revenues and profitability; | 25 | 10K |
fr_axa-AR_2008 | 4,921 | Other debt owed to credit institutions held as trading – – – | 12 | annual_report |
DirectLineInsuranceGroupPLC-AR_2020 | 721 | – Carbon offsetting projects: clean water in Kenya, clean cookstoves in Bangladesh, rainforest protection in Brazil | 16 | annual_report |
1104 | 308 | Other net investment loss, which includes interest income from short-term investments, investment management fees, and expenses not related to property activities, narrowed by $0.5 million. The improved result was due to increased investment management fee in addition to a reduction in administrative expenses. | 43 | 10K |
3253 | 744 | * Amount represents the unearned premium previously ceded under our 2002-2004 quota share reinsurance agreement, which we received as a result of the termination and commutation of this agreement. | 29 | 10K |
5304 | 1,195 | b) Quoted prices for identical or similar assets or liabilities in non-active markets; | 13 | 10K |
2515 | 680 | Certain activities of the Company are provided by TICNY, DBA the Law Office of Steven Fauth. These activities primarily consist of claims management activities of TICNY and claims management services provided by TRM to other issuing carriers. Mr. Fauth is an officer and director of the Company. | 47 | 10K |
2900 | 698 | for the reinsurance ceded, we retain the ultimate liability in the event the reinsurer is unable to meet its obligation at some later date. | 24 | 10K |
1405 | 2,332 | On September 15, 1998, our Board of Directors approved a share repurchase program authorizing the repurchase of up to $4,000,000 of RTW, Inc. common stock. We may repurchase shares on the open market or through private transactions depending upon market conditions and availability. Through December 31, 2000 we had repu... | 71 | 10K |
LloydsBankingGroupPLC-AR_2019 | 2,953 | The exercise of the Committee’s discretion will be disclosed in accordance with regulatory requirements | 14 | annual_report |
StandardLifeAberdeenPLC-AR_2015 | 2,610 | Less: Participating insurance contract liabilities classified as held for sale - (702) | 12 | annual_report |
fr_axa-AR_2014 | 9,637 | Annual Report (Registration Document) fi led with the AMF on March 26, 2015 | 13 | annual_report |
ScorSE-AR_2013 | 4,056 | Failure of an operating company to meet the local regulatory capital requirements of the jurisdiction in which it operates could lead to regulatory supervision or administration of the affairs of the operating company. | 33 | annual_report |
NatixisSA-AR_2006 | 2,294 | Pursuant to IFRS rules and interpretations in effect as of the present date, Natixis is required to use certain estimates in preparing its fi nancial statements, including accounting estimates to determine loan loss reserves, reserves related to future litigation, and the fair value of certain assets and liabilities, a... | 84 | annual_report |
62 | 188 | Certain mortgage-backed securities are subject to significant prepayment risk. This is due to the fact that in periods of declining interest rates, mortgages may be repaid more rapidly than scheduled as individuals refinance higher-rate mortgages to take advantage of lower rates. As a result, holders of mortgage- backe... | 99 | 10K |
5321 | 1,312 | On January 12, 2016, MetLife, Inc. announced its plan to pursue the Separation. Additionally, on July 21, 2016, MetLife, Inc. announced that following the Separation, the separated business will be rebranded as “Brighthouse Financial.” On October 5, 2016, Brighthouse Financial, Inc., a subsidiary of MetLife, Inc. (“Bri... | 255 | 10K |
1308 | 291 | Total benefits and expenses increased $235.7 million or 11% in 1999 when compared to the year ended December 31, 1998. The increase in 1999 was due to Alta, which resulted in an increase in benefits and expenses of $245.3 million. Excluding Alta, benefits and expenses would have decreased $9.6 million or 0.4% in 1999. ... | 132 | 10K |
3774 | 1,070 | The fair-value adjustments that have an impact on net income (loss) are shown in the table below: | 17 | 10K |
AegonNV-AR_2006 | 2,641 | Minimum interest rate guarantees exist in all generations of fi xed universal life products, as they are required by non-forfeiture regulations. These are mostly at 4%, with newer products at 3%. No lapse guarantees were introduced in recent universal life products. | 41 | annual_report |
Sampoplc-AR_2017 | 2,363 | The differences between IFRS and Solvency II technical provisions with transitional measures are summarised in the below table Overall position, technical provisions, 31 December 2017. | 25 | annual_report |
gb_lloyds_banking_grp-AR_2009 | 31 | Examples of such forward looking statements include, but are not limited to, projections or expectations of the Group’s future financial position including profit attributable to shareholders, provisions, economic profit, dividends, capital structure, expenditures or any other financial items or ratios; statements of p... | 130 | annual_report |
3790 | 604 | Spreads Earned on our Universal Life and Individual Traditional Annuity Products | 11 | 10K |
fr_axa-AR_2009 | 297 | (p) Holding company that owns DBV-Winterthur Lebensversicherung AG, AXA Krankenversicherung AG and DBV-Winterthur Versicherung AG. | 15 | annual_report |
RSAInsuranceGroupPLC-AR_2018 | 2,559 | With the assistance of our own pension actuarial specialists, our procedures included: · Membership data: Compared the data received from the third party administrator of the pension scheme to the data sent to the third party external expert who valued the pension obligation. | 43 | annual_report |
4446 | 847 | For reinsurance written on an excess of loss basis, which represents approximately 60.8%, 66.2% and 72.0% of the premiums we wrote for the years ended December 31, 2011, 2010 and 2009, respectively, our exposure is limited by the fact that most treaties have a defined limit of liability arising from a single loss event... | 94 | 10K |
gb_prudential-AR_2014 | 4,949 | IFRS operating profit based on longer-term investment returns by driver 318 b Asia operations – analysis of IFRS operating profit by territory 319 c Analysis of asset management operating profit based on longer-term investment returns | 35 | annual_report |
4921 | 2,329 | Other assets and other liabilities include derivative instruments. The derivative balances included in each category are reported on a gross basis by level with a netting adjustment presented separately in the Collateral and Counterparty Netting column. The fair values of the individual derivative contracts are reporte... | 75 | 10K |
2719 | 920 | Pretax reclassification adjustments for realized gains (losses) and other items included in net income were $12.0, $7.3, and $6.9, for the years ended December 31, 2005, 2004, and 2003, respectively. | 30 | 10K |
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