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1489
983
In August 2000, HHS published for comment proposed rules related to the security of electronic health data, including individual health information and medical records, for health plans, health care providers, and health care clearinghouses that maintain or transmit health information electronically. The proposed rules...
129
10K
3886
510
At December 31, 2008, our valuation allowance for our net deferred tax assets was $1.2 billion, as we have determined that it is more likely than not that a portion of our deferred tax assets will not be realized. This determination was made by evaluating each component of the deferred tax asset and assessing the effec...
139
10K
4310
2,935
A recapitalization of RGA common stock into two classes of common stock - RGA Class A common stock and RGA Class B common stock. Pursuant to the terms of the recapitalization, each outstanding share of RGA common stock, including the 32,243,539 shares of RGA common stock beneficially owned by the Company and its subsid...
123
10K
3451
1,464
Limited partnership interests - At December 31, 2007 and 2006, the Company had $326,971 and $345,192, respectively, invested in limited partnerships and limited liability corporations. The Company makes commitments to fund partnership interests in the normal course of its business. The amounts of unfunded commitments a...
56
10K
gb_lloyds_banking_grp-AR_2014
1,726
When determining and reviewing the level of benefits provided, the Committee ensures that decisions are made within the following two parameters: – An objective assessment of the individual’s responsibilities and the size and scope of their role, using objective job-sizing methodologies.
41
annual_report
NatwestGroupPLC-AR_2020
6,051
(business continuity), market risk (both current market risk positions and future investments)
12
annual_report
de_allianz-AR_2014
1,645
Limitations Our internal risk capital model expresses the potential “worst-case” amount in economic value that we might lose at a certain confidence level. However, there is statistically a low probability of 0.5 % that actual losses could exceed this threshold at Group level in the course of one year.
49
annual_report
StorebrandASA-AR_2011
3,001
Earnings per ordinary share Earnings per share is calculated as the majority’s proportion of the result after tax costs divided by the number of shares. The number of shares used in the calculation is taken as the average number of ordinary shares outstanding over the course of the year. In case of new issues of shares...
66
annual_report
2634
891
Certain executive officers, board members and employees have been granted options to purchase shares of APCapital common stock. Options granted during 2004, 2003 and 2002 vest in annual installments of 33%, 33%, and 34% on the first through the third anniversaries, respectively, of the date of grant. All options expire...
58
10K
1629
137
Surety also leases space for large contract and commercial branch offices in Dallas, Texas; New York, New York; Troy, Michigan; Roseville, California; Charlotte, North Carolina; and San Juan, Puerto Rico. Annual rent for these offices was $0.6 million with leases terminating in 2004, 2007, 2005, 2005, 2006 and 2006, re...
109
10K
4874
1,260
a decrease of $16 million in the Non-life underwriting result, which was mainly driven by a decrease in the current accident year technical result in the North America, Global (Non-U.S.) P&C and Catastrophe sub-segments, and a decrease in favorable prior year loss development. These decreases were partially offset by t...
53
10K
5535
1,116
The Second Restated Credit Agreement with Frost also provides a $30.0 million revolving credit facility (“Facility B”), in addition to Facility A. We may use Facility B loan proceeds solely for the purpose of making capital contributions to AHIC and HIC. We may borrow, repay and reborrow under Facility B until December...
195
10K
PhoenixGroupHoldingsPLC-AR_2020
1,694
External appointments: Board of the British United Provident Association Limited (BUPA), Miller Insurance Services LLP and Convex Group Limited. Chairman of Clipstone Industrial REIT plc (due to cease on 1 April 2021); and Alderman in the City of London Corporation.
40
annual_report
5273
1,090
reinsurance is placed either directly by our Company or through reinsurance intermediaries. The reinsurance intermediaries are compensated by the reinsurers.
20
10K
ScorSE-AR_2013
6,559
The items mentioned in the document pertain to the entire Group except ReMark (135 employees, fully consolidated entity), Telemed (37 employees), Réhalto (24 employees) and the Lloyd's Channel Syndicate (49 employees, fully consolidated entity). ReMark, Telemed and Réhalto are controlled 100% by SCOR Global Life SE. Th...
49
annual_report
AegonNV-AR_2017
5,749
(2016: EUR 416, 2017: EUR 432). 2 Mr. Rider was appointed as CFO and member of Aegon’s Executive Board per May 19, 2017. Pension contributions are disclosed for the period that Mr. Rider has been part of the Executive Board. 3 Mr. Button stepped down as CFO and member of Aegon’s Executive Board on December 1, 2016. Pen...
65
annual_report
fr_axa-AR_2010
104
Earnings per share from discontinued operations: Other data: Number of outstanding shares 2,320 2,290.0 2,089.2
15
annual_report
INGGroepNV-AR_2011
4,454
RECOVERABLE AMOUNT The higher of an asset’s net selling price and its value in use.
15
annual_report
fr_axa-AR_2019
555
XL Reinsurance 9 2.6 n/a n/a AM Best 2018 as of December 31, 2018.
14
annual_report
1558
434
As previously reported, PXRE decided during the first quarter of 2000 to withdraw from the excess and surplus lines and property facultative markets. This business had been conducted through Transnational Insurance Company ("Transnational Insurance") and Transnational Insurance had been unable to write the planned amou...
71
10K
4400
924
An asset’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. An asset’s or a liability’s level within the fair value hierarchy as well as transfers in and out of Level 3 are determined at the end of the reporting period.
54
10K
1958
783
Standard & Poor’s Corporation (S&P), Moody’s Investors Service (Moody’s), Fitch, Inc. (Fitch), and A.M. Best Company (AM Best) are among the third parties that provide the Company assessments of its overall financial position. Ratings from these agencies for financial strength are available for the individual U.S. domi...
134
10K
AegonNV-AR_2007
856
AEGON The Netherlands provides a range of life insurance and personal protection products and services, including traditional, universal and term life, endowment and annuity insurance as well as funeral insurance and accident and health cover. Life and protection is
39
annual_report
3698
1,281
Issuer-specific considerations, including an issuer’s short-term prospects and financial condition, recent events that may have an adverse impact on its results, and an event of missed or late payment or default;
31
10K
5615
10,475
We use a hedging strategy designed to mitigate the risk and income statement volatility caused by changes in the equity markets, interest rates and volatility associated with GLBs offered in our variable annuity products, including products with GWB and GIB features. Changes in the value of the hedge contracts due to c...
160
10K
NatixisSA-AR_2014
8,899
Total energy consumption of buildings and data centers 60,623 82,679 88,836
11
annual_report
2881
835
In general, market risk relates to changes in the value of financial instruments that arise from adverse movements in factors such as interest rates, credit spreads, equity prices and foreign exchange rates. MBIA is exposed mainly to changes in interest rates that affect the fair value of its financial instruments, nam...
124
10K
NatwestGroupPLC-AR_2019
3,292
 A focus remained on maintaining operational resilience and ensuring preparedness for external threats and challenges such as cyber attacks and Brexit.
22
annual_report
4052
674
Bornhuetter-Ferguson Paid Method - This method is similar to the Bornhuetter-Ferguson Incurred Method only paid loss & DCCE and paid patterns are substituted for the incurred loss & DCCE and incurred patterns.
32
10K
5632
719
On March 8, 2018 the Company’s CAD 375 million ($291 million at March 8, 2018 Exchange Rates) 4.76% Senior Notes due March 2018 issued by a Canadian subsidiary of Aon Corporation matured and was repaid in full.
37
10K
4497
1,400
(e) Does not include expected contribution of approximately $114 million to the Company’s pension and postretirement plans in 2012.
19
10K
4458
1,810
Under the broad-based stock plan of 2001 (the 2001 Plan), up to 2.00 million shares of common stock were available for stock option awards to our employees, officers, consultants, and brokers, excluding certain senior officers and directors. The 2001 Plan was terminated in December 2007 for purposes of any further gran...
84
10K
SwissReAG-AR_1988
410
The holding portfolio was substantially extended in the year under report. Following an increase in the holding of the Gotthardfinanz AG, Lugano, and by direct purchases, a majority holding of 52.2% was obtained in the voting share capital of the Italian insurance company, Lloyd Adriatico S.p.A., Trieste. Moreover, a m...
131
annual_report
gb_lloyds_banking_grp-AR_2008
26
Excellent cost management. The Group’s cost:income ratio, excluding market dislocation, improved by 1.1 percentage points to 47.0 per cent.
19
annual_report
LloydsBankingGroupPLC-AR_2009
4,976
Direct operating expenses arising from investment properties that generate rental income 64 29
13
annual_report
StandardLifeAberdeenPLC-AR_2010
543
Reconciliation of IFRS operating profit to EEV operating capital and cash generation
12
annual_report
4230
2,757
The following is a summary of the significant changes in our ratings and rating outlooks that have occurred from the beginning of 2010 through the date of this filing.
29
10K
4310
1,468
The Company also periodically reviews other long-term assumptions underlying the projections of estimated gross margins and profits. These include investment returns, policyholder dividend scales, interest crediting rates, mortality, persistency, and expenses to administer business. We annually update assumptions used ...
98
10K
HiscoxLtd-AR_2008
377
The Group Executive Committee The Group Executive Committee, comprised of the Executive Directors, meets monthly to raise and discuss topics such as Group strategy (subject always to Board approval), approval of senior appointments and remuneration (other than Board appointments), management of the Group’s trading perf...
108
annual_report
5104
1,559
U.S. GAAP requires disclosure of the fair value of certain financial instruments including those that are not carried at fair value. The carrying amounts for cash and cash equivalents, other investments, receivables, accrued investment income, accounts payable, cash collateral and payables for security transactions app...
73
10K
HannoverRueckSE-AR_2002
641
In 2003, as in past years, the insurance industry will not be able to divorce itself from global economic developments and the difficult conditions prevailing on capital markets. The pressure to generate good underwriting results is thus particularly intense. Property and casualty insurance is generally characterised b...
49
annual_report
4230
2,510
Includes only perpetual preferred securities as of December 31, 2010 and 2009.
12
10K
5141
964
Favorable prior year casualty reserve development, the details of which are below:
12
10K
5123
730
RFIG Run-off mortgage guaranty insurance reserves for unpaid claims and claim adjustment expenses are recognized only upon an instance of default, defined as an insured mortgage loan for which two or more consecutive monthly payments have been missed. Loss reserves are based on statistical calculations that take into a...
156
10K
5807
1,441
real estate risk, relating to commercial, agricultural and residential real estate, and stemming from factors, which include, but are not limited to, market conditions, including the demand and supply of leasable commercial space, creditworthiness of borrowers and their tenants and joint venture partners, capital marke...
51
10K
5257
1,197
For the year ended December 31, 2015, the frequency net premiums earned increased by $49.9 million, or 15.1%, compared to the same period in 2014. The notable increases and decreases in frequency premiums earned were as follows:
37
10K
ScorSE-AR_2013
4,394
In the Finance Bill 2013 an additional 7% exit tax of 2010 on the capitalization reserve position as at 31 December 2009 was enacted resulting in an additional income tax expense in the year 2012 of EUR 12 million.
39
annual_report
AegonNV-AR_2016
5,872
The following table shows the movement during the year in the number of common shares: Number of common shares (thousands) 2016 2015
22
annual_report
757
1,178
Property and casualty companies $159 $276 $200 $1,916 $1,659 Life insurance companies 74 67 76 324 287
17
10K
HannoverRueckSE-AR_2013
3,347
Provision for unearned premiums (also: unearned pre mium reserve): premiums written in a financial year which are to be allocated to the following period on an accrual basis. This item is used to defer written premiums.
36
annual_report
CNPAssurancesSA-AR_2017
214
T he d iv id e is w id en in g.
12
annual_report
ScorSE-AR_2017
5,223
In France, SCOR has launched significant research partnerships in the field of economics and finance, notably in collaboration with the Foundation Jean-Jacques Laffont – Toulouse School of Economics (TSE) chaired by the 2014 Nobel Prize winner, Jean Tirole. The two chairs financed by SCOR, “Market Risk and Value Creati...
80
annual_report
StandardLifeAberdeenPLC-AR_2016
792
Human rights We have a responsibility to protect and respect human rights as an employer, investor, procurer and provider of services and through our business partnerships. We have a statement on our website setting out our approach and commitment to human rights and will be reviewing and building on this during 2017 u...
96
annual_report
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2011
1,957
Number of rights on 31 Dec. 2011 – 147,426 425,623 329,883 428,225 450,646 665,309
14
annual_report
NatwestGroupPLC-AR_2007
2,258
Holdings N.V. represented 40.7% of the Group’s total assets, a negligible proportion of the shareholders’ total equity, 7.7% of the Group’s total income and 0.2% of the Group’s profit after tax as of and for the year ended 31 December 2007.
41
annual_report
3574
1,536
Company has recovered $20.1 million (pre-tax), representing a partial settlement of the litigation. The litigation will continue against other parties.
20
10K
1374
771
YEAR ENDED DECEMBER 31, -------------------------- 1999 1998 1997 ---- ---- ----
11
10K
INGGroepNV-AR_2015
4,149
More than 10 years but less than 20 years 34 347 6
12
annual_report
2539
681
We believe that all subsidiaries which incur medical claims maintain more than adequate liquidity and capital resources to meet these short-term obligations as a matter of both Company policy and multiple Department of Insurance regulations.
35
10K
gb_lloyds_banking_grp-AR_2013
8,503
13 explain how risk-weighted assets (RWAs) relate to business activities and related risks. 125, 182-183, Pillar 3 14 Present a table showing the capital requirements for each method used for calculating RWAs for each Basel asset class. Pillar 3 15 Tabulate credit risk for Basel asset classes. Pillar 3 16 Present a flo...
81
annual_report
2379
1,908
the years ended December 31, 2003 and 2002. Net income, after tax and minority interest, was $46.9 million and $34.2 million for the years ended December 31, 2003 and 2002.
30
10K
NatixisSA-AR_2018
4,800
CHANGE IN ASSETS UNDER MANAGEMENT ■ OVER THE YEAR (IN BILLIONS OF EUROS)(1)
13
annual_report
NatwestGroupPLC-AR_2013
1,584
(3) Impairment losses on a managed basis excludes sovereign debt impairment and related interest rate hedge adjustments. (4) Cost:income ratio on a managed basis represents operating expenses excluding PPI costs, Interest Rate Hedging Products redress and related costs, regulatory and legal actions, integration and res...
93
annual_report
DirectLineInsuranceGroupPLC-AR_2015
1,202
You can find the Nomination Committee’s terms of reference at www.directlinegroup.com .
12
annual_report
NatixisSA-AR_2002
909
Legal Representative of the co-manager, and partner HBM for: Société Elior
11
annual_report
AegonNV-AR_2013
4,882
In addition, Aegon can receive collateral related to derivative transactions that it enters into. The credit support agreement will normally dictate the threshold over which collateral needs to be pledged by Aegon or its counterparty. Transactions requiring Aegon or its counterparty to post collateral are typically the...
80
annual_report
LloydsBankingGroupPLC-AR_2002
458
The Group seeks to: – Ensure that all employees understand their role, the purpose of the role and where it fits into the wider team and organisational context.
28
annual_report
StorebrandASA-AR_2005
986
Increase in assets under management. Assets under management increased by NOK 40 billion to NOK 205 billion at the close of 2005. The increase reflects Gjensidige’s asset management mandate, as well as good sales of pension and insurance products and rising equity markets.
43
annual_report
de_allianz-AR_2018
2,543
Liability adequacy tests are performed for each insurance portfolio, based on estimates of future claims, costs, premiums earned, and proportionate expected investment income. For short-duration contracts, a premium deficiency is recognized if the sum of expected claim costs and claim adjustment expenses, expected divi...
59
annual_report
GjensidigeForsikringASA-AR_2018
1,204
Income statement .................................................... 140 Statement of financial position .................................. 141 Statement of changes in equity ..................................143 Statement of cash flows ............................................ 144
22
annual_report
NatixisSA-AR_2018
2,736
CANO Meetings are chaired by the heads of the Individual Risk and Consolidated Credit Risk Departments within the Risk division, or by their representatives. The follow-up on the decisions made during Committee Meetings are presented at subsequent meetings, particularly if thresholds have been breached and this situati...
51
annual_report
NatixisSA-AR_2014
5,645
Derivative instruments not eligible for hedge accounting (negative fair value) 84,123 1,522 80,357 2,244 63,337 2,127 59,561 1,649
18
annual_report
RSAInsuranceGroupPLC-AR_2020
1,168
· Rate increases ahead of plan across major UK portfolios. · Risk profile: Operate to good standards of risk/regulatory control, with focus on IT, risk and audit outcomes.
28
annual_report
AssicurazioniGeneraliSpA-AR_2019
2,288
In detail, the Generali Group includes in this category some unquoted bonds, mortgage loans, policy loans, term deposits with credit institutions, deposits under reinsurance business accepted, repurchase agreements, receivables from banks or customers accounted for by companies of the financial segment, and the mandato...
160
annual_report
5695
1,307
Invested assets and VIE long-term debt are transferred into Level 3 when internal valuation models that include significant unobservable inputs are used to estimate fair value. All such securities that have internally modeled fair values have been classified as Level 3. Non-agency RMBS securities transferred from Level...
116
10K
fr_axa-AR_2003
4,322
PERSONS RESPONSIBLE FOR THE DOCUMENT DE REFERENCE To the best of our knowledge, the information contained in this document accurately reflects the true financial position of the Company. It comprises all information required to enable investors to reach an informed opinion of the assets, activities, financial position,...
58
annual_report
AvivaPLC-AR_2013
4,363
Our UK fund management companies manage most of the assets held by the Group’s main UK staff pension scheme, for which they charge fees based on the level of funds under management. The main UK scheme holds investments in Groupmanaged funds and insurance policies with other Group companies, as explained in ‘IFRS Financ...
104
annual_report
fr_axa-AR_2019
7,479
Other debt instruments issued, notes and bank overdraft s excluding TRS (a) 2,633 2,739
14
annual_report
AegonNV-AR_2013
3,840
Deferred tax 45 Origination / (reversal) of temporary differences (229) 161 239
12
annual_report
PosteItalianeSpA-AR_2018
1,585
Therefore, the Manifesto provides a concrete tool for valuing “diversity” - as a key resource for growth, productivity and innovation at all levels - which sets out concrete measures to enhance key aspects of the female workforce within the Company.
40
annual_report
fr_axa-AR_2019
7,644
(a) The movements through shareholders’ equity mainly concern the tax impact related to subordinated loans.
15
annual_report
NatixisSA-AR_2016
6,198
Other financial assets held for trading 735 5 3 through profit or loss Financial assets under the fair value option option through profit or loss Fixed-income securities under the fair value value option through profit or loss Variable-income securities under the fair option through profit or loss Other financial asset...
54
annual_report
5634
9,031
The pension plans’ obligations in the next 12 months represent our planned contributions to certain unfunded non-qualified plans where the benefit obligation exceeds the assets, and the remaining years’ contributions are projected based on the average remaining service period using the current underfunded status of the...
108
10K
fr_axa-AR_2001
3,400
Mortgage loans on real estate are stated at outstanding principal balances, net of unamortized discounts and valuation allowances. Impairment measurement is based on the present value of expected future cash flows, discounted at the loan’s effective interest rate, at the loan’s observable market price or the fair value...
57
annual_report
SwissLifeHoldingAG-AR_2008
2,418
Property and equipment – 104 – 138 – – – 242
11
annual_report
1611
593
Effect of dilutive securities: Employee stock options 17,265 -- -- Stock appreciation rights -- -- -- ------------ ------------ ------------ Dilutive potential common shares 17,265 -- --
26
10K
fr_axa-AR_2014
1,482
(b) Mediterranean and Latin American Region includes other than Direct operations in Italy, Spain, Portugal, Greece, Turkey, Morocco, Gulf Region, Mexico, Lebanon and Colombia.
24
annual_report
NatixisSA-AR_2013
4,043
The methods for determining fair value are monitored by a number of bodies, in particular the Observability Committee, the Valuation Committee and the Impairment Committee, which bring together representatives of the Risk Department, the Finance Department and the market data monitoring department.
42
annual_report
1771
284
Absent any contract provision wherein the Company guarantees either a minimum return or account value upon death or annuitization, variable annuity contractholders bear the investment risk that the Separate Accounts' funds may not meet their stated objectives.
37
10K
3378
985
On February 3, 2006, RAM Re closed a $40.0 million contingent capital facility with two highly rated commercial banks. This facility is essentially the same as the $90.0 million contingent capital facility described above although it may be drawn upon only to cover catastrophic losses, exceeding the minimum threshold, ...
166
10K
ScorSE-AR_2020
4,069
Basic and diluted earnings per share are calculated as follows for the years ended December 31, 2020, 2019 and 2018 respectively: In EUR millions
24
annual_report
fr_axa-AR_2009
3,743
Ms. Wendy Cooper, member of the Supervisory Board representing the employee shareholders of the AXA Group, received in 2009 an annual gross compensation of USD 402,494 paid by AXA Equitable in the US in connection with her position as Senior Vice- President and Associate General Counsel of this company. This compensati...
66
annual_report
INGGroepNV-AR_2020
7,103
Due to the nature of its business, ING is subject to various provisions of US tax law. These include
19
annual_report
AegonNV-AR_2016
2,612
The number of Executive Board members and their terms of employment are determined by the Company's Supervisory Board.
18
annual_report
2871
1,141
In August 2005, as further discussed in the note to the consolidated financial statements entitled "Notes Payable - Direct Corporate Obligations", we completed the private offering of $330.0 million of 3.50% Convertible Debentures due September 30, 2035. In future periods, our diluted shares outstanding may include inc...
188
10K
NatwestGroupPLC-AR_2015
4,445
Personal customers in financial difficulty are managed through either collections or recoveries functions. Further details of these are set out below: Collections*
22
annual_report
NatwestGroupPLC-AR_2017
6,190
In addition, recent or future regulatory changes, such as the EU General Data Protection Regulation and the CMA’s Open Banking standard, increase the risks relating to the Group’s ability to comply with rules that impact its IT infrastructure. Any non-compliance with such regulations could result in regulatory proceedi...
73
annual_report
5339
1,926
As of December 31, 2015 (Successor Company), approximately $4.7 million of invested assets consisted of nonperforming, restructured, or mortgage loans that were foreclosed and were converted to real estate properties since February 1, 2015 (Successor Company). The Company does not expect these investments to adversely ...
320
10K
ASRNederlandNV-AR_2016
459
‘a.s.r. is an insurance company that is making a concerted effort to advance sustainability and Corporate Social Responsibility, but it is also still finding its footing as far as these themes are concerned. This is only natural given that sustainability is not a fixed goal, but a continuous journey. The great thing is...
165
annual_report
NatixisSA-AR_2011
2,249
More specifically, the Compliance Charter states that: – all Board members must devote suffi cient time and attention to the performance of their duties and regularly attend the meetings of the Board and Committee(s) of which they are a member. All Board members must ensure that they act at all times in the best intere...
313
annual_report