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3511 | 5,825 | Financing cash flows were impacted by dividends paid by Allstate Financial totaling $742 million, $725 million and $290 million in 2007, 2006 and 2005, respectively. | 25 | 10K |
RaiffeisenBankInternationalAG-AR_2020 | 2,803 | The effective tax rate increased 3.5 percentage points to 26.3 per cent. This was due to the lower profit contribution from head office, among other things due to impairments on loans, on companies valued at equity and on the goodwill of Raiffeisen Kapitalanlage -Gesellschaft. | 44 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2012 | 2,162 | Development of the claims reserve in the property-casualty segment 2012 Prev. year Ceded Ceded €m Gross share Net Gross share Net Status at 31 Dec. previous year 45,704 2,603 43,101 41,540 2,310 39,230 Currency translation differences –158 –6 –152 1,039 26 1,013 Change in consolidated group –38 –11 –27 –53 –4 –49 Claims expenses | 54 | annual_report |
3150 | 1,005 | Assumed reinstatement and additional premiums written and earned during the years ended December 31, 2006 and 2005, as reflected in the Consolidated Statements of Operations and Comprehensive Operations, were as follows: | 31 | 10K |
1853 | 743 | The following table sets forth American Country's Statutory Combined Ratio and GAAP Combined Ratio for the periods indicated: | 18 | 10K |
AegonNV-AR_2014 | 3,729 | (2013: 5%) and pre-tax risk adjusted discount rate of 17% (2013: 17%). | 12 | annual_report |
AvivaPLC-AR_2009 | 5,240 | The voting results for the 2010 AGM, including proxy votes and votes withheld, will be accessible on our website at www.aviva.com/agm, shortly after the meeting. | 25 | annual_report |
4466 | 5,184 | CMBS totaled $1.78 billion, with 90.5% rated investment grade, as of December 31, 2011. The CMBS portfolio is subject to credit risk, but unlike certain other structured securities, is generally not subject to prepayment risk due to protections within the underlying commercial mortgage loans. Of the CMBS investments, 93.0% are traditional conduit transactions collateralized by commercial mortgage loans, broadly diversified across property types and geographical | 65 | 10K |
INGGroepNV-AR_2012 | 5,171 | Tier 2 capital Opening amount 8,502 9,813 Change in Tier 2 capital instruments –1,384 –1,364 Change in deductions 24 53 Closing amount 7,142 8,502 | 24 | annual_report |
StorebrandASA-AR_2018 | 300 | Climate risk has two dimensions. Storebrand takes climate risk into consideration on behalf of our shareholders because it could impact our earnings and their return on investment. We also take it into consideration on behalf of our customers because it can affect their returns and payouts. | 46 | annual_report |
4220 | 1,093 | During 2010, 2009 and 2008, the Registrant received dividends from its subsidiaries totaling $67,891, $19,122 and $48,411, respectively. | 18 | 10K |
1177 | 624 | - - The effect of premium increases, benefit changes and member-paid supplemental premiums and copayments; | 15 | 10K |
4089 | 751 | The following tables summarize gross unrealized or unrecognized losses of the Company’s available-for-sale and held-to-maturity investment security portfolios by category and length of time that securities have been in a continuous unrealized or unrecognized loss position. | 36 | 10K |
fr_axa-AR_2012 | 7,126 | For the employees who are granted more than 5,000 options, the fi rst two instalments vest unconditionally at the end of the vesting period, while the fi nal instalment is subject to the fulfi lment of certain conditions regarding the performance of the AXA shares compared to the Eurostoxx Insurance index. From 2010, all options granted to the members of the | 61 | annual_report |
Sampoplc-AR_2008 | 270 | Mandatum Life Group’s premium income on own account decreased to EUR 529 million (618). Premiums in the main focus area, unit-linked insurance, fell to EUR 287 million (404) | 28 | annual_report |
ScorSE-AR_2009 | 254 | In order to reduce such risks, SCOR carries out a quarterly examination of exposure and associated risks. Depending on the financial situation of the principal cedants, actions aimed at reducing or limiting exposure or mitigating the risk through guarantees on deposits (for example, via offset clauses) may be carried out. Moreover, should their financial strength deteriorate between the time their financial commitment is made and the time it must be honoured (which may represent several years), an appropriate financial provision is established in SCOR’s accounts corresponding to the liability for which a loss is considered probable. | 96 | annual_report |
4714 | 861 | Results for 2013 included pretax net realized investment gains of $399 million ($259 million after-tax), compared with net realized investment losses of $349 million ($226 million after-tax) in 2012. Net investment gains in 2013 consisted of $199 million ($129 million after-tax) of other-than-temporary impairment losses; $262 million of net gains ($170 million after-tax) from the sale or redemption of securities; and $336 million of net gains ($218 million after-tax) from valuing derivatives. Shareholders' equity included a net unrealized gain on investment securities and derivatives of $1.0 billion at December 31, 2013, compared with a net unrealized gain of $2.6 billion at December 31, 2012. | 104 | 10K |
4426 | 857 | The following table provides the reconciliation of weighted average common share equivalents outstanding used in calculating earnings (loss) per share for the years ended December 31, 2011, 2010, and 2009: | 30 | 10K |
4376 | 799 | Our investment portfolio generated approximately $16.5 million, $17.2 million and $22.4 million in pre-tax income for the years ended December 31, 2011, 2010 and 2009, respectively. The decrease in each period is primarily a result of decreasing rates of return on fixed income securities due to current market interest rates. Our effective yield could remain at or below our current rate of return as of December 31, 2011 for the foreseeable future, which would result in similar or reduced returns on our investment portfolio in future periods. The performance of our investment portfolio is predominately interest rate driven and, consequently, changes in interest rates affect our returns on, and the fair value of, our portfolio which can materially affect our financial position, results of operations or cash flows in future periods. | 131 | 10K |
658 | 263 | The principal office space for the operations of Citizens Security Group is located in Red Wing, Minnesota and is being leased by Citizens Security Mutual. The space consists of approximately 30,000 square feet with the lease expiring on December 31, 2002. In August, 1996, Citizens Security Mutual subleased approximately 8,200 square feet of this office space to VIS'N, Inc. Citizens Security Mutual also leases an additional office in Red Wing, Minnesota, consisting of approximately 3,300 square feet under a lease that expires on June 30, 1998. In September, 1996, approximately 2,900 square feet of this office space was subleased to Design Ink Plus, Ltd. | 104 | 10K |
StandardLifeAberdeenPLC-AR_2017 | 406 | Accredited for our support to carers by Carer Positive, a Scottish Government-funded initiative | 13 | annual_report |
1241 | 404 | Under the Recapitalization Plan, all existing shares of the Company's common stock will be cancelled for no value, and the Company's existing senior and subordinated debt, with principal currently aggregating approximately $180 million, will be paid in full in cash. Any and all other claims and liabilities of the Company will be paid in accordance with their terms. | 58 | 10K |
4743 | 1,018 | U.S. Virgin Islands and West Virginia. In 2012, Molina Medicaid Solutions of West Virginia secured a partnership with the United States Virgin Islands (USVI). The partnership involves processing the USVI’s Medicaid claims using West Virginia’s certified Medicaid management information system. On August 1, 2013 the system went live, marking the first Medicaid management information system (MMIS) for a U.S. Territory, and the first to be shared between two government agencies on a single business processing platform. | 76 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2014 | 1,380 | This had a positive impact on the level of technical provisions in this portfolio. There was also a decrease of provisions in short-term endowment products in the bancassurance channel compared with a small growth in the previous year – the endowment of the subsequent tranches in the face of the lack of sales of new contracts. | 56 | annual_report |
fr_axa-AR_2003 | 3,783 | Under U.S. GAAP, the accounting for share-based is identical whatever the characteristics of the plan. | 15 | annual_report |
4429 | 1,740 | The fair value of restricted stock units is determined based on the closing stock price of our common shares on the grant date. The weighted-average grant-date fair value of restricted stock units granted during 2011, 2010 and 2009 was $33.35, $22.78 and $11.94, respectively. | 44 | 10K |
de_allianz-AR_2016 | 1,827 | 30 – Impairments of investments (net) imPairments of investments (net) € mn | 12 | annual_report |
5881 | 1,144 | pandemic. The debt carries a fixed interest rate of 0.83%, and Atlantic States plans to repay this cash advance in full at its March 2021 maturity. | 26 | 10K |
gb_prudential-AR_2007 | 2,282 | iv Shareholder exposure to interest rate risk and other market risk By virtue of the fund structure, product features and basis of accounting described in note D2(c) and (e), the policyholder liabilities of the UK insurance operations are, except for pension annuity business, not generally exposed to interest rate risk. For pension annuity business, liabilities are exposed to fair value interest rate risk. However, the net exposure to the PAC WPSF (for PAL) and shareholders (for liabilities of PRIL and the non-profit sub-fund) is very substantially ameliorated by virtue of the close matching of assets with appropriate duration. | 98 | annual_report |
1958 | 584 | During 2000, the Company entered into a reinsurance agreement under which one of the Company’s insurance subsidiaries will cede through a net quota share reinsurance agreement 50 percent of the group life volume above the aggregate retention limit. The treaties are five-year quota share treaties ceding 25 percent of premium, life volume, and paid claims to each reinsurer. The reinsurance agreements were effective as of October 1, 2000. | 68 | 10K |
4375 | 804 | Debt securities are carried on the balance sheet at market. At December 31, 2011 and 2010, debt securities had the following quality ratings by S&P and for securities not assigned a rating by S&P, Moody’s or Fitch ratings were used. | 40 | 10K |
5289 | 1,886 | Net reserve for losses and loss expenses as at December 31, 2016 - Sensitivity to loss emergence patterns | 18 | 10K |
1484 | 426 | Consolidated Balance Sheets as of December 31, 2000 and 1999 34 | 11 | 10K |
4296 | 1,134 | Other long-term investments include the Company’s interest in various limited partnerships, including a low volatility multi-strategy fund of funds, two natural resource limited partnerships, a structured finance opportunity fund, an open-ended investment fund and a real estate limited partnership. The Company records its investment in the limited partnerships using the equity method. The carrying value of the Company’s limited partnership investments are based on the Company’s allocable share of the limited partnerships’ net asset value. Changes in the Company’s investments are based on statements received directly from the limited partnership and/or the limited partnership’s administrator. The estimated fair values of the underlying investments in the limited partnerships may be based on Level 1, Level 2, or Level 3 inputs, or a combination thereof. | 123 | 10K |
2003 | 503 | In September 2001, the Compensation Committee of the Company's Board of Directors recommended, and the Board of Directors approved, the adoption of an incentive compensation program covering certain members of management. The program was terminated by the Company's Board of Directors on October 31, 2002. Expenses under the program for the years ended December 31, 2002 and 2001 were $0 and $852, respectively. | 63 | 10K |
2844 | 914 | • $25 million in the fixed income portfolio related to various issuers due to credit risk associated with the issuer’s deteriorated financial position. | 23 | 10K |
2297 | 1,293 | In 1998, Provident Financing Trust I (the trust) issued $300.0 million of 7.405% capital securities in a public offering. These capital securities, which mature on March 15, 2038, are fully and unconditionally guaranteed by the Company, have a liquidation value of $1,000 per capital security, and have a mandatory redemption feature under certain circumstances. The Company issued $300.0 million of 7.405% junior subordinated deferrable interest debentures which mature on March 15, 2038, to the trust in connection with the capital securities offering. The sole assets of the trust are the junior subordinated debt securities. As stated in Note 1, the adoption of FIN 46 in 2003 resulted in the de-consolidation of the trust. The capital securities which had previously been classified on the Company’s consolidated statements of financial condition as company-obligated mandatorily redeemable preferred securities of subsidiary trust holding solely junior subordinated debt securities of the company were eliminated, and the junior subordinated deferrable interest debentures of $300.0 million are included in long-term debt at December 31, 2003. | 168 | 10K |
2462 | 608 | The Group Protection Segment markets and administers group life insurance, stop-loss insurance and long-term and short-term disability products. These products are sold to companies that provide group benefits for their employees. The Group Protection Segment had pretax income of $3.3 million and $0.9 million for the years ended December 31, 2004 and 2003, respectively. | 54 | 10K |
4590 | 1,171 | Commission revenue increased $1.9 million, or 17%, to $13.1 million for the year ended December 31, 2011, from $11.2 million for the comparable period in 2010. This increase primarily reflects Michigan agency business that was added in the current year. | 40 | 10K |
ASRNederlandNV-AR_2012 | 2,235 | 2. Annually the annual general meeting of shareholder determines either on the recommendation of the management board and with the approval of the supervisory board or on its own initiative, which part of the profi t will be retained or distributed. | 41 | annual_report |
NatixisSA-AR_2007 | 8,707 | Natixis’ yearly and multi-year audit plans are approved by the Chairman of the Executive Board and the internal audit departments of the Bank’s shareholders and central institutions. The yearly audit plan is examined by Natixis’ Audit | 36 | annual_report |
AegonNV-AR_2013 | 3,596 | In addition, certain products offered by Aegon Americas contain guarantees and are reported on a fair value basis, including the segregated funds offered by Aegon Canada and the total return annuities and guarantees on variable annuities of Aegon USA. | 39 | annual_report |
de_allianz-AR_2006 | 1,330 | The previous analysis is based on our consolidated financial statements and should be read in conjunction with those statements. The Allianz Group uses operating profit to evaluate the performance of its business segments and the Group as a whole. The Allianz Group considers the presentation of operating profit to be useful andmeaningful to investors because it enhances the understanding of the Allianz Group’s underlying operating performance and the comparability of its operating performance over time. Operating profit highlights the portion of income before income taxes andminority interests in earnings attributable to the ongoing core operations of the Allianz Group. To better understand the on-going operations of the business, we exclude the effects of acquisition-related expenses and the amortization of intangible assets, as these relate to business combinations; and we exclude interest expense from external debt and income from financial assets and liabilities held for trading (relating to exchangeables on external debt) as these relate to our capital structure. | 158 | annual_report |
de_allianz-AR_2017 | 1,048 | On a nominal basis, statutory premiums increased by 4.1 %. This includes unfavorable foreign currency translation effects of € 494 mn and negative (de-)consolidation effects of € 1,293 mn. On an internal basis, statutory premiums went up by € 4,429 mn – or 7.0 % – to | 47 | annual_report |
fr_axa-AR_2019 | 9,755 | or with annual coal production over 20 million tons and/or developing new coal mines; ■ certain coal industry partners, defined as manufacturers (e.g. | 23 | annual_report |
1335 | 298 | At December 31, 1999, $11,082,000, or 5%, of the Company's investment portfolio was invested in non-investment grade securities compared to $6,706,000, or 3%, at December 31, 1998. All of the Company's non-investment grade securities are currently performing to the Company's purchase expectations. | 42 | 10K |
4181 | 1,546 | relative to the year ended December 31, 2010, on a pro forma basis. In 2011, we intend to emphasize our short-tail lines of business more than our long-tail casualty lines of business, and we expect that our new business initiatives will be weighted more to insurance instead of reinsurance. | 49 | 10K |
1329 | 439 | The carrying value of the direct financing leases at December 31, 1999 and 1998 approximates fair value because of the short-term period that these leases are held before sale or securitization or, in certain cases, because the interest rate approximates current market rates. The fair value of the direct financing leases | 51 | 10K |
2067 | 944 | THE FOLLOWING REFLECTS THE POLICY ACQUISITION COSTS DEFERRED FOR AMORTIZATION AGAINST FUTURE INCOME AND THE RELATED AMORTIZATION CHARGED TO INCOME FOR GENERAL AND LIFE INSURANCE OPERATIONS, EXCLUDING CERTAIN AMOUNTS DEFERRED AND AMORTIZED IN THE SAME PERIOD: | 36 | 10K |
978 | 270 | Other income (deductions)-net includes AIG's equity in certain minor majority-owned subsidiaries and certain partially-owned companies, realized foreign exchange transaction gains and losses in substantially all currencies and unrealized gains and losses in hyperinflationary currencies, costs associated with the Year 2000 computer issues, as well as the income and expenses of the parent holding company and other miscellaneous income and expenses. In 1998, net deductions amounted to $144 million. In 1997 and 1996, net deductions amounted to $97 million and $85 million, respectively. (See also the discussion under "Recent Developments" herein.) | 90 | 10K |
5947 | 677 | (3)See “Results of Operations-Mortgage,” “Results of Operations-Real Estate” and “Results of Operations-All Other” for more information on both direct and allocated operating expenses. | 23 | 10K |
1884 | 501 | As a result of these actions, we expect a reduction in historical depreciation and rent expense will improve our pretax results by approximately $5 million ($3 million after tax) in 2003 and $6 million ($4 million after tax) annually thereafter. The impact on operating cash flows is not expected to be material. | 52 | 10K |
5406 | 2,208 | In certain investments, the carrying value is different from the share of the investee's underlying net assets. The differences represent goodwill on acquisition, OTTI recorded with respect to the investment, or differences in the retained capital accounts of the various equity holders (including the Company). | 45 | 10K |
5743 | 1,027 | The principal considerations for our determination that performing procedures relating to the valuation of the reserve for losses and loss adjustment expenses is a critical audit matter are (i) there was significant judgment by management when developing their estimate, which in turn led to a high degree of auditor subjectivity and judgment in performing procedures relating to the valuation of the reserve for losses and loss adjustment expenses, (ii) there was significant auditor effort and judgment in evaluating audit evidence relating to the aforementioned key actuarial methods and key assumptions, and (iii) the audit effort included the involvement of professionals with specialized skill and knowledge to assist in performing these procedures and evaluating the audit evidence obtained. | 117 | 10K |
4485 | 1,294 | As of December 31, 2011 and 2010, the notional amount related to credit derivatives that purchase credit protection was $1.1 billion and $1.7 billion, respectively, while the fair value was $23 and ($5), respectively. As of December 31, 2011 and 2010, the notional amount related to credit derivatives that assume credit risk was $2.2 billion and $2.0 billion, respectively, while the fair value was ($545) and ($376), respectively. For further information on credit derivatives, see the Credit Risk section of the MD&A and Note 4 of the Notes to Consolidated Financial Statements. | 92 | 10K |
4459 | 470 | In our opinion, such consolidated financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2011 and 2010, and the results of their operations and their cash flows for each of the three years in the period ended December 31, 2011, in conformity with accounting principles generally accepted in the United States of America. Also in our opinion, such financial statement schedules, when considered in relation to the basic consolidated financial statements taken as a whole, present fairly, in all material respects, the information set forth therein. | 95 | 10K |
Sampoplc-AR_2008 | 1,338 | IT software or from significant improvement of existing software are recognised only to the extent they meet the above-mentioned requirements for being recognised as assets in the balance sheet. | 29 | annual_report |
3264 | 945 | The Company’s derivative trading activities are associated with one of its consolidated separate accounts in which all investments are held for trading purposes. The derivatives segregated in this separate account are carried at fair value with the gains and losses included within net investment income. The Company is exposed to equity price risk in this separate account associated with its indexed group annuity contracts. The Company purchases Standard and Poor’s 500® (S&P500®) index futures contracts in a notional amount equal to the contract holders liability. Other derivatives held in the separate account may include currency forwards, interest rate futures, options written and purchased and forward purchase commitments, among others. | 109 | 10K |
fr_axa-AR_2001 | 2,319 | d • Items 6-7 (V5) 1/07/02 11:41 Page 136 Philippe Jobs Phil 1:JOBS 1:AXA:04-587-COB 2001:COB (US): | 16 | annual_report |
5208 | 912 | Deferred gains of $50 million which will be recognized in our earnings in the future in accordance with GAAP. | 19 | 10K |
4596 | 1,211 | · Difficulties with technology or data security breaches, including cyber attacks, that could negatively affect our ability to conduct business and our relationships with agents, policyholders and others | 28 | 10K |
5593 | 889 | The Company currently has an unsecured debt rating of A with a negative outlook from Fitch Rating, Inc., a corporate credit and senior debt rating of A with a stable outlook from S&P Global Ratings (“S&P”) and an unsecured debt rating of A3 with a stable outlook from Moody’s Investors Service (“Moody’s”). Should one or more rating agencies downgrade our credit ratings from current levels, or announce that they have placed us under review for a potential downgrade, our cost of capital could increase and our ability to raise new capital could be adversely affected. | 95 | 10K |
53 | 54 | has continued into 1995. Management believes that surrenders are lower during periods of declining interest rates. BOND PORTFOLIO RESTRUCTURING. During 1990, the quoted market values of many non-investment grade bonds substantially decreased. In response to this decrease, the company substantially increased the allowance for credit losses during the third quarter of that year, and completed a significant restructuring of its bond portfolio during 1991. During 1994, 1993 and 1992, the company disposed of bonds with book values of $337.7, $374.6 and $673.8 million for net gains (losses) of $(.8) $18.6 and $19.7 million, respectively. In 1993, the company reduced credited interest rates below the "bailout" rates on certain annuity policies and the related surrenders experienced during the "bailout" period resulted in losses on a statutory basis. The company sold securities at gains to restore the statutory surplus lost. The following chart sets forth the reasons that bonds were disposed of, the book value of bonds disposed of and the gains (losses) on dispositions for the years ended December 31, 1994, 1993, and 1992: | 173 | 10K |
PosteItalianeSpA-AR_2017 | 2,564 | Further information is provided in Material events during the year (note 3). | 12 | annual_report |
fr_axa-AR_2015 | 1,335 | Protection & Health (€+1 million) due to higher infl ows from | 11 | annual_report |
StandardLifeAberdeenPLC-AR_2014 | 3,036 | All business units are required to monitor, assess, manage and control liquidity risk in accordance with the relevant principles within the Group’s policy framework. Oversight is provided both at a Group level and within the business unit. In addition, all business units benefit from membership of a larger Group to the extent that, centrally, the Group: • Coordinates strategic planning and funding requirements • Monitors, assesses and oversees the investment of assets within the Group • Monitors and manages risk, capital requirements and available capital on a group-wide basis • Maintains a portfolio of committed bank facilities • Maintains a Euro Medium Term Note Programme. | 105 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2005 | 465 | We can thus exploit market opportunities whether they present themselves in primary insurance or reinsurance. Our objective continues to be sustained profitability. And we actively seek growth opportunities. As an integrated insurance and reinsurance group that can develop its markets through different brands, by focusing on specific target groups, we channel our growth initiatives into the business segments and regions that promise the largest value increase. Hence, as far as we are concerned, defending or acquiring positions in rankings for individual fields of business based on premium volume is meaningless. | 90 | annual_report |
4514 | 895 | Beginning in late 2008, the disruption in the global credit markets and the deterioration of the financial markets created significant uncertainty in the marketplace. Weak economic conditions globally continued throughout 2012. The prolonged economic downturn is adversely impacting our clients' financial condition and therefore the levels of business activities in the industries and geographies where we operate. While we believe that the majority of our practices are well positioned to manage through this time, these challenges are reducing demand for some of our services and putting continued pressure on pricing of those services, which is having an adverse effect on our new business and results of operations. | 107 | 10K |
5887 | 682 | •Realize the highest possible levels of investment income, while generating superior after-tax total rates of return. | 16 | 10K |
4851 | 1,599 | As discussed in Note 1, Gibraltar Life’s current period results of operations represent earnings through November 30, 2013 and Gibraltar Life’s current period assets and liabilities represent balances as of November 30, 2013. | 33 | 10K |
PosteItalianeSpA-AR_2017 | 20 | (2) The Board of Statutory Auditors was elected by the Ordinary General Meeting of 24 May 2016 to serve for a period of three years and will remain in office until the General Meeting’s approval of the financial statements for the year ended 31 December 2018. On 30 January 2017, the Alternate Auditor, Andrea Bonechi, resigned from his position with immediate effect. As a result, the Annual General Meeting of 27 April 2017 elected Antonio Santi to serve as an Alternate Auditor. | 82 | annual_report |
5166 | 1,287 | The following table provides information about our fixed maturities and equity securities that were in an unrealized loss position including the length of time the securities have been in an unrealized loss position. (See also Note 3 - “Investments” in the Notes to Consolidated Financial Statements included in Financial Statements and Supplementary Data of this Form 10-K) | 57 | 10K |
5894 | 463 | There was a $559,571 increase in advances to one mortgage loan originator who acquires residential mortgage loans for our life insurance companies. | 22 | 10K |
629 | 197 | year or every other year based on internal quality ratings. C.M. Life uses the following criteria to determine whether a current or potential problem exists: (i) borrower bankruptcies, (ii) major tenant bankruptcies, (iii) requests for restructuring, (iv) delinquent tax payments, (v) late payments, (vi) loan-to- value or debt service coverage deficiencies and (vii) overall vacancy levels. | 56 | 10K |
ScorSE-AR_2011 | 839 | estimates that its potential maximum losses for catastrophes, before retrocession, come from windstorms in Europe, hurricanes in the U.S., typhoons in Japan or from earthquakes in Japan or the U.S. | 30 | annual_report |
4988 | 1,053 | Operating income before interest expense and income taxes was $406.2 million in 2014 compared to $393.4 million in 2013, an increase of $12.8 million. This increase is due to improved current accident year results, primarily in Commercial Lines, and from higher favorable development on prior years’ loss and loss adjustment expense (“LAE”) reserves (“prior years’ loss reserves”), in both our Personal Lines and Chaucer segments. These increases in operating income were partially offset by higher catastrophe losses in our domestic operations. Pre-tax catastrophe losses were $223.0 million, compared to $140.0 million during 2013. Favorable development on prior years’ loss reserves was $99.1 million in 2014, compared to $76.3 million in 2013. | 111 | 10K |
NatwestGroupPLC-AR_2016 | 6,980 | Deferred tax assets in respect of unused tax losses are recognised if the losses can be used to offset probable future taxable profits after taking into account the expected reversal of other temporary differences. Recognised deferred tax assets in respect of tax losses are analysed further below. | 47 | annual_report |
5860 | 981 | ● Average size and premium rate of newly issued and renewed policies; and | 13 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2017 | 609 | The bank’s business model is based on client segmentation into the following groups: • Retail Banking – providing services to individual clients and micro businesses through a leading network of branches and partner outlets, supported by remote channels; • Private Banking – providing services to affluent clients and offering investment advisory services in private banking centers and remote channels; • Small and Medium Enterprises (SME) – newly established segment focused on providing services for one of the fastest growing sectors of economy. Clients are serviced by relationship managers supported by product specialists. | 92 | annual_report |
2258 | 468 | The Company establishes and carries as liabilities actuarially determined reserves which are calculated to meet the Company’s estimated future obligations. Reserves for life insurance and disability contracts are based on actuarially recognized methods using prescribed morbidity and mortality tables in general use in the United States, which are modified to reflect the Company’s actual experience when appropriate. These reserves are computed at amounts that, with additions from estimated premiums to be received and with interest on such reserves compounded annually at certain assumed rates, are expected to be sufficient to meet the Company’s policy obligations at their maturities or in the event of an insured’s death. Changes in or deviations from the assumptions used for mortality, morbidity, expected future premiums and interest can significantly affect the Company’s reserve levels and related future operations. Reserves also include unearned premiums, premium deposits, claims incurred but not reported and claims reported but not yet paid. Reserves for assumed and ceded reinsurance are computed in a manner that is comparable to direct insurance reserves. | 170 | 10K |
LloydsBankingGroupPLC-AR_2011 | 2,981 | While there have been no material changes to the overall structure of executive remuneration, we have continued to maintain an open and transparent dialogue with shareholders. This valuable engagement is something we will seek to continue into 2012, as we recognise our responsibilities to the providers of our equity capital in setting fair and appropriate remuneration policies. | 57 | annual_report |
2772 | 586 | The Company’s life insurance premiums and policy charges increased $5.1 million, or 7.6% in 2004. Universal life policy charges and traditional premiums increased by $1.3 million and $3.6 million, respectively. The increase in traditional premiums was due to continued increases in term product production and a decline in termination rates. In addition, interest sensitive life policy charges grew by $279,000 or 2.7% as a result of re-pricing the product and adding a preferred underwriting class. New business premium increased 1.4% while persistency declined from 92.9% to 91.2%. | 87 | 10K |
3953 | 1,041 | The property was sold to take advantage of positive real estate market conditions in a specific geographic location and to further diversify our real estate portfolio. | 26 | 10K |
2741 | 6,638 | See Item 8, Note 5(a) to the Consolidated Financial Statements for further information. | 13 | 10K |
PosteItalianeSpA-AR_2019 | 8,870 | 2. In this regard, please note that: - the adequacy of the administrative and accounting procedures for the formation of the Consolidated Financial Statements of the Poste Italiane Group was verified by evaluating the internal control system on financial reporting. This evaluation was performed by taking as a reference the criteria laid out in the Internal Control – Integrated Framework model issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO); - no significant aspects emerged from the evaluation of the internal control system on financial reporting. | 89 | annual_report |
fr_axa-AR_1999 | 4,672 | currently has no intention of terminating these contracts prior to maturity. During 1999, 1998 and 1997, net gains (losses) of € 10 million, € 20 million and € (15) million, respectively, were recorded in connection with interest rate swap activity. | 40 | annual_report |
3968 | 677 | Portfolio Analysis. Because Torchmark has recently invested almost exclusively in fixed-maturity securities, the relative percentage of our assets invested in various types of investments varies from industry norms. The following table presents a comparison of Torchmark’s components of invested assets at amortized cost as of December 31, 2009 with the latest industry data. | 53 | 10K |
TopdanmarkAS-AR_2016 | 593 | Note 3. Gross premiums earned - non-life insurance Gross premiums written 8,883 8,745 Change in provisions for unearned premiums 28 110 Change in profit margin and risk margin 117 51 Gross premiums earned 9,029 8,906 | 35 | annual_report |
nl_ing_grp-AR_2015 | 5,662 | Consumer lending past due but not impaired (1–90 days) 4,328 5,143 1 Based on lending and investment activities. | 18 | annual_report |
gb_prudential-AR_2005 | 1,671 | 2. For the 2003 and 2004 conditional RSP awards to Jonathan Bloomer, the ranking of the Company’s TSR in the month prior to his leaving date was 72nd and 65th respectively and as a consequence the awards lapsed. | 38 | annual_report |
5852 | 839 | As of December 31, 2020 and 2019, respectively, the Company held approximately $284 million and $265 million of invested assets in the form of equity interests issued in non-corporate legal entities that were determined by the Company to be VIEs, as further described in Note 2. These legal entities are related parties of the Company. The Company reflects these equity interest in the consolidated Balance Sheets as other equity investments. The net assets of these unconsolidated VIEs are approximately $12.6 billion and $10.1 billion as of December 31, 2020 and 2019, respectively. The Company also has approximately $212 million and $275 million of unfunded commitments as of December 31, 2020 and 2019, respectively with these legal entities. | 117 | 10K |
5503 | 1,116 | The excess and surplus lines market is expected to see the magnitude of rate increases continue to decline on several classes of business due to increased capacity in the market. Competition is expected to remain strong, especially on large accounts, due primarily to standard market insurance companies insuring businesses that previously were written by excess and surplus lines insurers. Firming is expected to continue for specific classes of business where loss costs are exceeding rates, such as habitational for property coverages and general liability for liquor liability coverages and hired and non-owned auto liability. | 94 | 10K |
4121 | 4,401 | The impact of realized capital gains and losses on amortization of DAC is dependent upon the relationship between the assets that give rise to the gain or loss and the product liability supported by the assets. Fluctuations result from changes in the impact of realized capital gains and losses on actual and expected gross profits. In 2009, DAC amortization relating to realized capital gains and losses resulted primarily from realized capital gains on derivatives. Additionally, DAC amortization reflects our decision in the second half of 2009 not to recapitalize DAC for credit losses on investments supporting certain fixed annuities following concerns that an increase in the level of expected realized capital losses in 2010 and 2011 may reduce EGP and adversely impact the product DAC recoverability. In 2008, DAC accretion resulted primarily from realized capital losses on derivatives and other-than-temporary impairment losses. | 142 | 10K |
NatwestGroupPLC-AR_2013 | 445 | Update on capital plan We announced in November that we will target a fully loaded Basel III Common Equity Tier 1 ratio of 12% or greater by the end of 2016 which will principally be delivered through the Capital Resolution Group. | 41 | annual_report |
INGGroepNV-AR_2005 | 2,300 | FINANCIAL ASSET Any asset that is: – a contractual right to receive cash or another financial asset from another company; – a contractual right to exchange financial instruments with another company under conditions that are potentially favourable; or – an equity instrument of another company. | 45 | annual_report |
1510 | 201 | Selling, general and administrative expenses increased by approximately $3,004,000, or 14%, to approximately $24,839,000 for the year ended October 31, 1999, up from approximately $21,835,000 for the year ended October 31, 1998. This increase was in large part due to (i) increases in selling expenses primarily due to increased commissions paid as a result of increased sales revenue; and (ii) increases in general and administrative expenses due to increased personnel and printing costs resulting from increased sales volume and the development of new service contract products. Selling, general and administrative expenses were 44% of revenues for both years ended October 31, 1999 and October 31, 1998. | 106 | 10K |
2879 | 3,008 | The effect of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2005 and 2004 are presented below (in thousands): | 31 | 10K |
gb_prudential-AR_2006 | 4,600 | Shareholders’ share of actuarial and other gains and losses on defined benefit pension schemes 0 0 0 (50) (50) | 19 | annual_report |
4281 | 1,030 | On July 1, 2010, Tower completed the OBPL acquisition pursuant to a definitive agreement (the “Agreement”) dated February 2, 2010 by and among the Company and OneBeacon Insurance Group, LLC (“OneBeacon”). This acquisition expanded Tower’s suite of personal lines insurance products to include private passenger automobile, homeowners, umbrella, and the signature package product, OneChoice CustomPac, which provides customers with one policy for all of their homeowners, automobile and umbrella needs. | 70 | 10K |
INGGroepNV-AR_2007 | 400 | ING is a top player in retirement services, providing defi ned contribution pension plans to small and medium-sized corporations, educational institutions, hospitals, and governments. While all retirement services segments are important, ING specifi cally focuses on the markets with the best growth potential: the small and medium size corporate 401(k) market and the education market, specifi cally kindergarten to 12th grade (K-12) teachers and staff. | 65 | annual_report |
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