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2196
867
Accounting for Equity Indexed Annuities. Revenues and expenses for equity-indexed annuities are recognized in accordance with the SFAS No. 97 model, described above. Policy liabilities for equity-indexed annuities are computed in accordance with SFAS No. 133, which requires that an equity-indexed annuity liability be b...
118
10K
1363
305
Prior to January 1, 2000, there was widespread concern that many computer systems in use would be unable to correctly process data or may not operate at all after December 31, 1999. It was feared that some computer programs may interpret the year "2000" incorrectly, causing errors in calculations or causing the system ...
103
10K
BaloiseHoldingLtd-AR_2007
4,171
Wealth Assurance AG, Vaduz Life L 40.00 75.00 F EUR 3.0 9.2 0.0
13
annual_report
5048
2,454
Mutual fund assets are owned by the shareholders of those funds and not by the Company and therefore are not reflected in the Company’s consolidated financial statements. Mutual fund assets are a measure used by the Company because a significant portion of the Company’s revenues are based upon asset values. These reven...
73
10K
NatwestGroupPLC-AR_2009
1,942
The Group’s retail business segment their performing loan books into homogenous portfolios such as mortgages, credit cards or unsecured loans, to reflect their different credit characteristics. Latent provisions are computed by applying portfolio-level LGDs, PDs and emergence periods. The wholesale calculation is based...
62
annual_report
NNGroupNV-AR_2016
221
‘ It is important that we all feel we can openly share and discuss dilemmas.’ Dorothee van Vredenburch CCO NN Group
21
annual_report
3614
1,284
Pursuant to the Stock Incentive Plan, service-based restricted stock units (“Service RSU”) have been granted and, as part of the Partners Plan and Senior Partners Plan, performance-based restricted stock units (“Performance RSU”) have been granted. As of December 31, 2007, there were 376,211 shares of common stock avai...
74
10K
SwissLifeHoldingAG-AR_2016
198
On the balance sheet date some 161 000 shareholders and nominees were listed in the Swiss Life Holding share register, of which about 4200 were institutional shareholders. Taken together, the shareholders entered in the share register held around 50% of the shares issued. Over half of these shares were owned by shareho...
66
annual_report
AegonNV-AR_2015
1,788
in addition to the assets held to cover the technical provisions in order to ensure that they are able to meet their obligations over the next 12 months with a probability of at least 99.5%
35
annual_report
3763
1,252
MBIA’s consolidated investment portfolio includes investments that are insured by various financial guarantee insurers (“Insured Investments”), including investments insured by MBIA Corp. (“MBIA Insured Investments”). As of December 31, 2008, Insured Investments at fair value represented $5.5 billion or 27% of consolid...
79
10K
1872
2,270
Based on the results of the impairment tests, goodwill was not deemed to be impaired at the insurance segment, since the fair value of the reporting unit exceeded its carrying value. Therefore, the second step of the goodwill impairment test was not performed. However, the carrying values of the reciprocal management a...
151
10K
2946
662
Net Investment income - was $1,112.5 million and $1,134.3 million for the twelve-month periods ended December 31, 2005 and 2004, respectively. Investment income, excluding the mark to market of the trading portfolio and partnership income, was $1,133.4 million and $1,095.1 million for the twelve-month periods ended Dec...
146
10K
2824
2,143
The Holding Company has net worth maintenance agreements with three of its insurance subsidiaries, MetLife Investors Insurance Company, First MetLife Investors Insurance Company and MetLife Investors Insurance Company of California. Under these agreements, as subsequently amended, the Holding Company agreed, without li...
144
10K
AvivaPLC-AR_2004
1,488
38 – Long-term business provision (a) Methodology There are two main methods of actuarial valuation of liabilities arising under long-term insurance contracts – the net premium method and the gross premium method – both of which involve the discounting of projected premiums and claims.
44
annual_report
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2010
1,814
30 // income from technical interest the income from technical interest is the amount earned by assumed insurance business from the mainly risk-free investment of assets covering the technical provisions. its composition varies from segment to segment, depending on the type of insurance business conducted and the relat...
50
annual_report
3283
517
Underwriting Expenses. Underwriting expenses totaled $58.9 million in 2007 compared to $42.3 million in 2006, representing an increase of $16.6 million, or 39.2%. Our net underwriting expense ratio was 25.8% in 2007 compared to 22.7% in 2006. The increase in the expense ratio was driven by $7.7 million in increased sta...
113
10K
1557
784
The Company's fourth quarter 1999 reported loss primarily resulted from an impairment of intangibles totaling $95.5 million. The Company evaluated the intangible assets of the Payroll Sales Division based upon the proceeds received from the sale of the Payroll Sales Division on February 4, 2000 (see Note 3). The Compan...
100
10K
4419
2,132
Premiums decreased mainly driven by the sale of our Medicare supplement insurance business.
13
10K
NatwestGroupPLC-AR_2017
3,450
 RBS updated its policies to reflect changes required in relation to the 4th Money Laundering directive, which came into force in H1 2017 to combat terrorist and criminal financing.
30
annual_report
AvivaPLC-AR_2016
9,992
• strategic actions by competitors, including acquisitions and/or restructurings; • changes in market conditions and regulatory changes in any number of countries, whether or not the Company derives significant revenue therefrom; and
32
annual_report
INGGroepNV-AR_2005
1,154
As at 31 December 2005, the balance sheet value included shares which were lent or sold in repurchase transactions amounting to nil (2004: EUR 5 million) and EUR 3 million (2004: EUR 9 million), respectively. As at 31 December 2005, the balance sheet value included debt securities which were lent or sold in repurchase ...
73
annual_report
fr_axa-AR_2019
10,954
Underlying expenses include the following components: ■ acquisition expenses, including commissions and general expenses allocated to new business; ■ capitalization of acquisition expenses linked to new business: Deferred Acquisition Costs (DAC) and net rights to future management fees only for investment contracts wit...
62
annual_report
NatixisSA-AR_2008
164
The General Shareholders’ Meeting was held, nevertheless, on the same day a few hours later than originally scheduled, at the
20
annual_report
INGGroepNV-AR_2001
588
The market environment was generally very difficult in 2001, with significantly reduced activity throughout the industry. Anticipating the current modest market conditions, the business was restructured early in 2001 resulting in significant cost reductions.
34
annual_report
Sampoplc-AR_2003
1,354
Properties and shares in property companies occupied for other than own activities 31 December 2003 Capital Net Unlet Area employed 1) income 2) space3)
24
annual_report
SwissLifeHoldingAG-AR_2015
2,876
BALANCE AS AT END OF PERIOD – 46 33 1 182 1 083 3 750 7 19 596 25 697
20
annual_report
RSAInsuranceGroupPLC-AR_2014
854
In accordance with the 2012 Code recommendations, an internal performance evaluation process is undertaken annually to ensure the Board remains effective. At least once every three years, the evaluation process is carried out by an external party. This process is run by the Chairman, supported by the Senior Independent...
99
annual_report
gb_prudential-AR_2012
5,247
Dividend per share declared and paid in reporting period (in pence) note (6) 25.64p 25.19p 20.17p 19.20p 18.29p * The Group has adopted updated US GAAP requirements for deferred acquisition costs as an improvement to its accounting policy under IFRS 4 for those operations of the Group which measure insurance assets and...
90
annual_report
AssicurazioniGeneraliSpA-AR_2017
754
As at 31 December 2017, the Company employs a workforce of 2,003 units (2,010 units as at 31 December 2016), including a total of 912 staff employed in the foreign branches (890 as at 31 December 2016).
37
annual_report
de_allianz-AR_2009
977
We believe our controls over assessing the recoverability of goodwill and other intangible assets ensures both consistent and reliable results. Over the last six years, our write downs of goodwill have not been significant. 1)
35
annual_report
4385
2,194
At December 31, 2011, there were no investments held by the VIEs that were in default.
16
10K
RaiffeisenBankInternationalAG-AR_2017
1,483
Deferred tax assets are recognized only to the extent that it is probable that in the future sufficient taxable profit will be available against which those loss carryforwards, unused tax credits or deductible temporary differences can be utilized. A planning period of five years is used to this end. This assessment re...
93
annual_report
NatixisSA-AR_2006
6,993
The Management Board shall be invested with the broadest powers to act in all circumstances on behalf of the Company, subject to the limitations of the corporate object and those powers expressly attributed by law and by these bylaws to general meetings of shareholders and the Supervisory Board.
48
annual_report
AssicurazioniGeneraliSpA-AR_2015
4,700
On a comparable basis APE declines by 7.2 mainly on account of the fall observed in Ireland (-21.5%) and Guernsey (-22.0%) that directly impact the unit linked business. On the other hand, it should be noted the progressions of Switzerland (+2.6%), Netherlands (+121.7%) and UK Branch (+52.3%). Single premiums significa...
116
annual_report
4989
4,548
The following table sets forth the domestic, state, and foreign net operating loss carryforwards and the domestic capital loss carryforwards for tax purposes at December 31, 2014.
27
10K
1032
160
1998 was a year in which the Company not only continued to realize profitable growth, but also built upon its existing franchise foundation. For 1998, the Company reported net income of $20.0 million, an 18.3% increase over its net income of $16.9 for 1997. This increase was principally due to a 24.1% increase in gross...
93
10K
TopdanmarkAS-AR_2020
198
The net effect of the annual gross efficiency gains of DKK 500m may be impacted by deviations to the assumed future: • Due to competition, some of the efficiency gains may be lost by way of lower prices. • New efficiency programmes may affect the gains expected to be realised before 2025. • The market environment may b...
97
annual_report
NatixisSA-AR_2007
4,492
IFRIC 9 specifi es that the embedded derivative must be valued at the inception of the contract, except where the terms of the contract undergo any substantial change.
28
annual_report
PhoenixGroupHoldingsPLC-AR_2020
2,788
The Directors have prepared the consolidated financial statements and the Company financial statements in accordance with international accounting standards in conformity with the requirements of the Companies Act 2006. The Directors must not approve the financial statements unless they are satisfied that they give a t...
75
annual_report
1873
1,171
Significant components of Aon's deferred tax assets and liabilities are as follows:
12
10K
3130
1,066
The liability we have established related to the tentative settlement at December 31, 2006, includes our best estimate of: (i) the cost of the benefits to be provided to inforce policyholders; (ii) the value of the settlement fund for former policyholders; (iii) plaintiff attorney fees; (iv) the cost to settle other ca...
291
10K
HelvetiaHoldingAG-AR_2018
2,647
Unearned premium reserve (gross) 1 453.5 – – – – 1 453.5
12
annual_report
de_allianz-AR_2010
1,553
We closely monitor the capital positions on Group and operating entity level and apply regular stress tests based on standard adverse scenarios. This allows us proactively to take appropriate measures to ensure the continued strength of capital and solvency positions. These measures may be related to assets or liabilit...
107
annual_report
4955
1,058
In our opinion, the consolidated financial statements listed in the accompanying index present fairly, in all material respects, the financial position of Essent Group Ltd. and its subsidiaries at December 31, 2014 and 2013, and the results of their operations and their cash flows for each of the three years in the per...
397
10K
2927
692
In May 2004, the Company acquired Nationwide Appraisal Services Corporation (“Nationwide”). Under the terms of the acquisition the Company paid $25.0 million in cash at closing, with $3.0 million in deferred cash consideration payable if certain conditions are satisfied after the closing of the transaction. Subsequent ...
223
10K
PhoenixGroupHoldingsPLC-AR_2019
1,799
Maximum • Pension contributions for Executive Directors are aligned with the wider workforce rate which is currently 12% of salary (reduced to 10�5% when taken as cash in lieu of contribution)�
31
annual_report
4879
1,668
Common stock repurchases, which are classified as treasury stock until otherwise retired, were as follows:
15
10K
INGGroepNV-AR_2007
427
ING Investment Management Americas ING IM Americas maintained strong asset management sales fi gures and launched new funds despite market challenges, particularly in the second half of the year. ING IM continued to increase its focus on improving portfolio performance in order to better serve both prospective and exis...
50
annual_report
HelvetiaHoldingAG-AR_2014
3,783
This document may contain projections or other forward-looking statements related to Helvetia Group which by their very nature, involve inherent risks and uncertainties, both general and specific, and risks exist that predictions, forecasts, projections and other outcomes described or implied in forward-looking stateme...
188
annual_report
StorebrandASA-AR_2018
2,245
Arne Fredrik Håstein 355 3,178 4,844 1) The summary shows the number of shares owned by the individual, as well as his or her close family and companies where the individual exercises significant influence, cf. the Accounting Act, Section 7-26.
40
annual_report
BaloiseHoldingLtd-AR_2010
561
Olav Noack, Dr. oec. HSG * (until 21.3.2011) Michael Müller * (as of 22.3.2011)
14
annual_report
SwissReAG-AR_2010
1,288
Thomas Wellauer Chief Operating Officer Thomas Wellauer, a Swiss citizen born in 1955, holds a PhD in Systems Engineering from the Swiss Federal Institute of Technology (ETH), as well as an MBA from the University of Zurich.
37
annual_report
5360
1,215
In February 2015, we reported that we were the target of a sophisticated external cyber attack. The attackers gained unauthorized access to certain of our information technology systems and obtained personal information related to many individuals and employees, such as names, birth dates, healthcare identification/soc...
102
10K
SwissReAG-AR_2010
360
The place to succeed Jan Schmidt used to send satellites into space – but found that he could go further at Swiss Re.
23
annual_report
de_allianz-AR_2008
1,696
Reserve risk represents the risk of losses emerging on claims provisions over a one-year time horizon. We measure and manage reserve risks by constantly monitoring the development of the provisions for insurance claims and change the provision for reserves in line with actuarial standards if necessary. We use approache...
60
annual_report
3788
1,201
Prudent portfolio management dictates that we attempt to match the duration of our assets with the duration of our liabilities. Currently, when our debt and perpetual securities mature, the proceeds may be reinvested at a yield below that required for the accretion of policy benefit liabilities on policies issued in ea...
189
10K
3674
2,767
The Company recognizes the cost resulting from all share-based payments in accordance with Statement of Financial Accounting Standards (“SFAS”) No. 123(R), “Share-Based Payment,” and applies the fair value based measurement method in accounting for share-based payment transactions with employees except for equity instr...
130
10K
NNGroupNV-AR_2016
983
Early 2017, we invited a group of 20 stakeholders to engage in a conversation on our potential impact on the SDGs, and how these relate to our strategy and our key objective; creating long-term value for all stakeholders. Government representatives, regulators, investors, NGOs, academics and peers were present, and the...
62
annual_report
SwissReAG-AR_2010
1,011
We distinguish between three types of credit exposure: the risk of issuer default from instruments in which Swiss Re invests or trades, such as corporate bonds; counterparty exposure in a direct contractual relationship, such as retrocession or over-the-counter (OTC) derivatives; and risk assumed by Swiss Re through re...
73
annual_report
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2007
341
The Nomination Committee was established at the end of 2007. Its task is to propose to the Supervisory Board suitable candidates for election as shareholders ’ representatives by the Annual General Meeting. The committee will begin its work in 2008.
40
annual_report
2027
273
PREPAID REINSURANCE PREMIUMS. Prepaid reinsurance premiums increased $5.7 million to $11.3 million as of December 31, 2002 from $5.6 million as of December 31, 2001 primarily due the acquisition of American Vehicle in November 2001.
35
10K
5242
761
Net realized capital gains. Net realized capital losses in 2016 primarily reflect a $98.8 million capital loss due to an impairment charge from a write-down of certain SORC assets, partially offset by a gain of $13.2 million recognized by Alleghany Capital on April 15, 2016 in connection with its acquisition of an addi...
77
10K
1149
180
Capital Resources. Capitalization of the Company, as of December 31, 1999, was comprised of paid-in capital with respect to the Common Stock of $200,000, paid-in capital with respect to the Shares of $1,995,000 (compared with $2,362,500 and $2,115,000 as of December 31, 1998 and 1997, respectively), and earnings retain...
95
10K
NatwestGroupPLC-AR_2012
1,346
Direct Line Group continued 2011 compared with 2010 Operating profit rose by £749 million in 2011, principally due to the non repeat of the bodily injury reserve strengthening in 2010, de-risking of the motor book, exit of certain business segments and more benign weather in 2011.
46
annual_report
1868
836
For the year ended December 31, ---------------------------- 2001 2000 1999 -------- -------- -------- (in millions)
15
10K
2315
704
A schedule of fixed maturities by contractual maturity at December 31, 2003 is shown below on an amortized cost basis and on a fair value basis. Actual maturities could differ from contractual maturities due to call or prepayment provisions.
39
10K
AvivaPLC-AR_2008
1,949
The following changes to directors’ interests which relate to shares acquired each month under the partnership element of the AESOP during the period 1 January 2009 to 27 February 2009 have been reported to the Company.
36
annual_report
PhoenixGroupHoldingsPLC-AR_2018
2,487
In accordance with Cayman Islands Companies Law, dividends shown in the table above were charged within equity against the share premium account. Upon creation of the new UK-registered holding company (as detailed in note A1), future dividends will be charged to retained earnings in accordance with the UK Companies Act...
51
annual_report
de_allianz-AR_2018
2,784
Anglo Markets, Middle East and Africa. In the Property-Casualty business segment, the reportable segment Iberia & Latin America was combined with the reportable segment Allianz Partners to form the reportable segment Iberia & Latin America and Allianz Partners.
38
annual_report
fr_axa-AR_2010
7,564
Unrealized gains and losses (net of tax) – Assets available for sale 6,618 4,676
14
annual_report
3455
1,875
Our accident and health insurance policies generally provide for fixed-benefit amounts and, in the case of Medicare supplement policies, for supplemental co-payments in accordance with approved Medicare provider rates. Some of these benefits are subject to medical-cost inflation and we have the capability to file for p...
359
10K
3281
937
Cincinnati Financial Corporation - 2007 Annual Report on 10-K - Page 35
12
10K
2338
717
Our results improved during 2002 in virtually every state in which we operate, with the most significant improvement occurring in Florida, where our net loss ratio improved from approximately 98% in 2001 to 68% in 2002. On a direct basis, which excludes the impact of reinsurance including the commutation in 2002 and th...
151
10K
3702
1,701
Financial instruments are considered Level 3 when their values are determined using pricing models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable. Level 3 financial instruments also include those for which the determination of fair value ...
69
10K
4247
886
All commercial and agricultural loans are monitored on an ongoing basis for potential credit losses. For commercial loans, these ongoing reviews may include an analysis of the property financial statements and rent roll, lease rollover analysis, property inspections, market analysis, estimated valuations of the underly...
71
10K
ch_zurich_insurance_group-AR_2006
702
The fair value of available-for-sale debt securities may fall temporarily below their carrying value, but, provided there is no risk resulting from changes in financial standing, an impairment is not recorded for such securities.
34
annual_report
4583
967
Segment operating earnings (loss) includes allocations of certain corporate and shared costs. If the Company changes its allocation methods or changes the types of costs that are allocated to its four operating segments, prior period amounts are adjusted to reflect the current allocation process.
44
10K
Sampoplc-AR_2017
600
65Sampo Group 66- Economic Environment 68Business Areas 68- If 70- Topdanmark 70- Associated Company Nordea 72- Mandatum Life 73- Holding 74Other Developments 74- Consolidation of Topdanmark 74- Changes in Group Structure 74- Mandatum Life’s Portfolio Transfer to Danske Bank 74- Changes in Group Management 75Governance...
115
annual_report
3319
1,248
Following is a description of the significant risks facing the Company:
11
10K
fr_axa-AR_2016
1,724
Profi t or loss on fi nancial assets (under Fair Value option) & derivatives 17 (32)
16
annual_report
4389
1,229
During 2011 Montpelier Syndicate 5151 incurred $234.5 million of current year net loss and LAE. The individually significant loss events contributing to Montpelier Syndicate 5151’s 2011 current year loss and LAE included: (i) $45.0 million of net losses from the Japan and New Zealand earthquakes; and (ii) $29.7 million...
86
10K
ASRNederlandNV-AR_2018
1,134
• Immediate annuities: in addition to the fixed annuities product, a.s.r. planned to offer a new product for postretirement annuities (De variabele pensioenuitkering) in 2019. This product is based on single premiums and has the option of postponing benefits in response to the low interest rate environment.
47
annual_report
4751
1,300
In the mortgage guaranty insurance industry, a “book” is a group of loans that an MI company insures in a particular period, normally a calendar year. We set premiums at the time a policy is issued based on our expectations regarding likely performance over the term of coverage. The policies we write are guaranteed ren...
269
10K
1925
326
Premiums and deposits increased $259.4 million or 37.7% in 2002 as compared to 2001. In 2002, fixed annuities increased 70.3% from increased sales in the financial services firms channel and increased focus on investment products sold within the Allstate agencies channel. Variable annuity sales increased 49.6% in 2002 ...
131
10K
AegonNV-AR_2004
1,722
AEGON endorses the code and the principles of good corporate governance included therein. AEGON intends to use the code and the principles contained therein to continue and intensify its ongoing discussions with its stakeholders on corporate governance with the view to bringing its corporate governance standards in com...
51
annual_report
fr_axa-AR_2003
724
Gross (a) Net (a) on a current on comparable (in euro millions) basis basis
14
annual_report
fr_axa-AR_2013
4,483
Emerging Risks are risks which may develop or which already exist and are continuously evolving. Emerging risks are marked by a high degree of uncertainty; as some of them will even never emerge.
33
annual_report
de_allianz-AR_2007
2,812
As of December 31, 2007, the Allianz Group recorded a liability, in other liabilities, for the unexercised stock appreciation rights of � 182 mn (2006: � 276 mn).
28
annual_report
3846
1,127
Our actuaries and claim personnel perform periodic analyses of our asbestos related exposures. The analyses during 2006 noted positive developments, including several settlements, related to certain of our traditional asbestos defendants. At the same time, the analyses indicated that our exposure to loss from claims ag...
121
10K
1191
515
Effective January 1, 1999, Hannover assumed from Provident Indemnity 100% of its accident and health block of business. As of January 1, 1999, Central entered into a separate reinsurance agreement with Hannover, wherein Central assumed from Hannover 10% of the block acquired by Hannover from Provident Indemnity.
47
10K
AvivaPLC-AR_2005
924
Incentive plans Details of the directors who held executive office for any part of the financial year, and hold or held options to subscribe for ordinary shares of the Company or hold or held awards over shares in the Company, pursuant to the Company’s share-based incentive plans, are as follows: (a) Share options At O...
75
annual_report
ASRNederlandNV-AR_2008
112
On 14 February 2008, IASB issued amendments with a view to improving reporting on special types of financial instruments with features that resemble ordinary shares but are currently classified as financial liabilities (approved by the European Union on 21 January 2009). The amendments affect IAS 32, Financial Instrume...
82
annual_report
NatixisSA-AR_2007
3,858
Class of maturity 6 months 7 months 8 months 9 months 10 months 11 months
15
annual_report
2551
832
In connection with the SPLIC acquisition, funds borrowed by the Company were re-loaned to CICA. CICA has issued to the Company a Subordinated Debenture in the principal amount of $30 million plus interest equal to 30-day LIBOR plus 1.8% per year. Because CICA is an insurance company formed under the laws of Colorado, a...
107
10K
fr_axa-AR_2010
11,940
In 2011, AXA kicked off the year with a Diversity & Inclusion
12
annual_report
3091
1,393
Our acquisitions of HCC Global Financial Products, LLC (HCC Global) and Covenant Underwriters, Ltd. and Continental Underwriters Ltd. (collectively, CUL) include a contingency for earnout payments based on earnings after the acquisition date, as defined in the purchase agreement. When the conditions for accrual have
45
10K
ScorSE-AR_2013
4,347
December 2013 to the Chairman and Chief Executive Officer, to the other members of the COMEX, to the Executive Global
20
annual_report
SwissLifeHoldingAG-AR_2018
3,264
As elaborated in note 17 - Intangible Assets including Intangible Insurance Assets - Goodwill represents the excess of the fair value of the consideration transferred and the amount of any noncontrolling interest recognised, if applicable, over the fair value of the assets and liabilities recognised at the date of acqu...
50
annual_report
ch_zurich_insurance_group-AR_2004
1,844
In December1999, Zurich Financial Services (Jersey) Limited, a subsidiary of Zurich Group Holding (formerly Zurich Financial Services), issued 12,000,000 perpetual non-voting, non-cumulative Series A Preference Shares on the Euromarket with a par value of EUR 25 (EUR 300,000,000). The securities benefit from a subordin...
126
annual_report
65
446
Chiquita owns approximately three-fourths of the 171,000 acres used for the cultivation of its bananas and oil palm and support activities. It also owns over one-half of the 42 ocean-going refrigerated vessels used primarily for transporting tropical fruit.
38
10K