report_id stringlengths 1 60 | paragraph_nr int64 0 28.3k | text stringlengths 21 14.6k | n_words int64 11 2.31k | filing_type stringclasses 2
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StandardLifeAberdeenPLC-AR_2014 | 2,719 | Expected contributions to the plans in 2015 are as follows: Defined benefit Defined | 13 | annual_report |
ScorSE-AR_2016 | 2,327 | RISK FACTORS AND RISK MANAGEMENT MECHANISMS Operational risk < #3 3.7.1.4. RISKS RELATED TO ExTERNAL EVENTS | 16 | annual_report |
4221 | 5,294 | Income tax expenses of approximately $13.3 million and $1.4 million were generated in 2010 and 2009, respectively, as compared to a benefit of approximately $13.0 million in 2008. Higher income in 2010 and 2009 generated higher income taxes. The benefit in 2008 was primarily attributable to a lower net income and a def... | 67 | 10K |
5380 | 1,284 | Amounts presented in this Note relate only to Ambac’s non-derivative insurance business for insurance policies issued to beneficiaries, including VIEs, for which we do not consolidate the VIE. | 28 | 10K |
5078 | 509 | Loss before income taxes from real estate and corporate operations for the year ended December 31, 2014 was $2.8 million, compared with a loss from real estate and corporate operations before income taxes of $2.9 million for the year ended December 31, 2013. Segment losses consist of other operating expenses not direct... | 109 | 10K |
StorebrandASA-AR_2007 | 171 | Storebrand and SPP is a good strategic fit and provides advantages to both customers and shareholders. | 16 | annual_report |
1092 | 557 | The Company's derivative financial instruments at December 31, 1998, consisted of mortgage loan commitments of $408, European style call options of $71, interest rate floors of $46 and various swap options of $12. The notional value of the European style call options at December 31, 1998 was $212 and the options expire... | 125 | 10K |
StandardLifeAberdeenPLC-AR_2006 | 679 | Subsequent to the listing of the shares of Standard Life plc on the London Stock Exchange on 10 July 2006, there have been significant movements in equity from that date which are summarised below: Period 10 July 2006 to | 39 | annual_report |
HiscoxLtd-AR_2005 | 104 | Hiscox USA is still at an early stage of its development and officially opens in March. Ed Donnelly is busy getting licences and building his team. | 26 | annual_report |
RaiffeisenBankInternationalAG-AR_2020 | 5,525 | The impact assessment in relation to affected FX-indexed or FX-denominated loan agreements may also be influenced by the outcome of ongoing administrative proceedings conducted by the President of the Office of Competition and Consumer Protection (UOKiK) against RBI’s Polish branch. Such administrative proceedings are,... | 121 | annual_report |
3962 | 654 | Historically, membership growth has been the primary reason for our increasing annual premium revenues, although more recently our revenues have also grown due to the more care-intensive benefits and related higher premiums associated with our ABD and Medicare members. We have increased our membership through both inte... | 70 | 10K |
NatwestGroupPLC-AR_2019 | 1,913 | 2. Aggregate remuneration expenditure Aggregate remuneration expenditure in respect of 2019 performance was as follows: Aggregate remuneration Senior mgmt | 19 | annual_report |
NatixisSA-AR_2014 | 2,944 | Holding companies and conglomerates * In accordance with the Ministerial Order of February 20, 2007 (Basel 2) applicable at December 31, 2013 and as per Natixis’ registration document fi led on March 14, 2014. | 34 | annual_report |
5221 | 700 | The assumptions that have had the most significant impact to net periodic costs are the discount rate and expected long-term rate of return on plan assets. The discount rate assumption reflects the yield available on high-quality, fixed-income debt securities that match the expected timing of the benefit obligation pay... | 132 | 10K |
AvivaPLC-AR_2001 | 843 | Share of result of associated undertakings 10 – 4 1 Amortisation of goodwill on associated undertakings (19b) (13) – – – | 21 | annual_report |
252 | 214 | (2) Notes and Contracts Payable Notes and contracts are summarized as follows: | 12 | 10K |
4553 | 903 | Other-than-temporary investment (“OTTI”) losses for each of the three years ending December 31, 2012 were as follows (in millions). | 19 | 10K |
5594 | 1,396 | In the first quarter of 2015 we implemented a structure in Gibraltar Life’s operations that disaggregated the USD- and AUD-denominated businesses into separate divisions, each with its own functional currency that aligns with the underlying products and investments. The result of this alignment was to reduce difference... | 194 | 10K |
3881 | 552 | Favorable net prior year development of $80 million was recorded in 2008 related to our Standard Lines, Specialty Lines and Corporate & Other Non-core segments. This amount consisted of $75 million of favorable claim and allocated claim adjustment expense reserve development and $5 million of favorable premium developm... | 121 | 10K |
fr_axa-AR_2014 | 3,318 | Company to be closer to the amounts paid by its international peers while not creating a gap with the French market practice. | 22 | annual_report |
AegonNV-AR_2013 | 4,289 | Aegon exercised its option rights to purchase in aggregate 12,691,745 common shares B at market value. It did this to prevent dilution caused by Aegon’s issuance of shares on May 1, 2013, May 16, 2013, in connection with the Long Term Incentive Plans for senior management and the issuance of shares on June 14, 2013, be... | 65 | annual_report |
5464 | 1,020 | Through December 31, 2016, Metropolitan Life Insurance Company (“MLIC”), a former affiliate, provided and the Company contributed to defined benefit pension and postemployment plans for its employees and retirees. MLIC also provides and the Company contributes to a postretirement medical and life insurance benefit plan... | 120 | 10K |
de_allianz-AR_2008 | 794 | The net loss for 2008 amounted to � 2,444 million compared to a net income of � 7,966 million a year ago. | 22 | annual_report |
gb_prudential-AR_2005 | 1,992 | Investments of long-term business, banking and other operations: Investment properties H7 13,180 13,303 | 13 | annual_report |
SwissLifeHoldingAG-AR_2015 | 1,174 | The pressure on margins due to the challenging interest rate environment following the decisions of the Swiss National Bank from January 2015 was counteracted by comprehensive repricing measures in individual life and mitigated by further reduced guarantees in group life. Combined with increased volumes in both group a... | 68 | annual_report |
ASRNederlandNV-AR_2012 | 505 | Other notes 169 37 Related party transactions 170 38 Remuneration of the Executive Board and | 15 | annual_report |
3541 | 976 | The Company adopted FASB Interpretation No. 48, “Accounting for Uncertainty in Income Taxes - an interpretation of FASB Statement No. 109” (“FIN 48”) effective January 1, 2007. The adoption of FIN 48 had no effect on the Company’s consolidated financial statements. As of December 31, 2007, the Company has no tax positi... | 85 | 10K |
5242 | 845 | (14) Primarily reflects favorable prior accident year loss reserve development in the professional liability, general liability and umbrella/excess lines of business, and primarily related to the 2006 through 2010 accident years, partially offset by unfavorable prior accident year loss reserve development in the direct... | 57 | 10K |
3596 | 1,226 | The Company’s insurance subsidiaries are subject to regulations that restrict their ability to pay dividends or make other distributions of cash or property to their immediate parent company without prior approval from the Department of Insurance of their respective states of domicile. As of December 31, 2007, $1,802.3... | 88 | 10K |
883 | 195 | Consolidated Statements of Cash Flows - Years Ended December 31, 1998, 1997, and 1996......................... 23 | 15 | 10K |
1695 | 862 | • The increase in insurance and investment product fees of 0.4% in 2001 was due to the following. Insurance and investment product fees for variable annuities decreased because average assets under management decreased as a result of negative investment performance. At December 31, 2001, funds under management for vari... | 105 | 10K |
Sampoplc-AR_2015 | 2,604 | EEquity and equity indequity and equity index optionsx options -- -- -- 11 00 00 | 15 | annual_report |
5839 | 428 | Statements made in the following discussion that are not historical in nature are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995 and are subject to known and unknown risks, uncertainties and other factors. Horace Mann Educators Corporation (referred to in this report as "we",... | 143 | 10K |
PhoenixGroupHoldingsPLC-AR_2020 | 4,598 | It has been assumed that post-retirement mortality is in line with a scheme-specific table which was derived from the actual mortality experience in recent years, performed as part of the actuarial funding valuation as at 31 March 2018, using the SAPS S2 ‘Light’ tables for males and for females based on year of use. Fu... | 130 | annual_report |
5735 | 478 | The carrying amount and fair value of the Company’s financial assets disclosed, but not carried, at fair value as of December 31, 2019 and 2018 and the level within the fair value hierarchy at which such assets and liabilities are measured on a recurring basis are summarized as follows: | 49 | 10K |
4832 | 2,651 | At December 31, 2013 and 2012, the revolving credit available under the Syndicated Credit Agreements (as defined below) and under the December 9, 2011 unsecured credit agreement, respectively, was unutilized. The 2013 Citi Agreements (as defined below) provide for issuance of letters of credit and revolving credit loan... | 81 | 10K |
AegonNV-AR_2006 | 656 | Pensions and individual life insurance continue to be our core products. In 2006, AEGON The Netherlands’ corporate and institutional sales force, and its TKP Pensioen unit, posted improved sales. AEGON is now the second largest pensions provider in the | 39 | annual_report |
5865 | 521 | During 2019, the Company received notice from Gen Re that effective July 31, 2019, the XOL reinsurance coverage for the ASI Pool Companies would terminate on a cut-off basis. Additionally, effective September 30, 2019, the ASI Pool Companies’ Quota Share contract with Swiss Re was terminated on a run-off basis. During ... | 95 | 10K |
2048 | 867 | This report includes a number of statements which relate to anticipated future events (forward-looking statements) rather than actual present conditions or historical events. You can identify forward-looking statements because generally they include words such as “believes”, “expects”, “intends”, “anticipates”, “estima... | 100 | 10K |
TrygAS-AR_2012 | 431 | The investment activities are regulated by legislation and by the policies and guidelines adopted and issued by the Supervisory Board. | 20 | annual_report |
GjensidigeForsikringASA-AR_2019 | 428 | A special arrangement in Norway is the Norwegian Natural Perils Pool, which is regulated by the Natural Perils Insurance Act. Membership of the Pool is compulsory for all insurance companies that sell property insurance (fire insurance) in Norway. The Pool is an equalisation mechanism whereby claims and costs are distr... | 145 | annual_report |
5258 | 949 | Homeowners premiums written totaled $497 million in 2015, a 1.8% decrease from $506 million in 2014. Factors impacting premiums written were the following: | 23 | 10K |
2913 | 162 | MLOA entered into a modified coinsurance ("MODCO") agreement with U.S. Financial Life Insurance Company ("USFL"), an affiliate, effective January 1, 1999, whereby MLOA agreed to reinsure 90% of all level premium term life insurance policies written by USFL after January 1, 1999. Effective January 1, 2000, this agreemen... | 117 | 10K |
INGGroepNV-AR_2011 | 1,689 | Notes to the consolidated annual accounts of ING Group amounts in millions of euros, unless stated otherwise 1 W ho w e are 2 Report of the Executive Board 3 C orporate governance 4 C onsolidated annual accounts 5 Parent com pany annual accounts 6 O ther inform ation 7 A | 51 | annual_report |
PowszechnyZakladUbezpieczenSA-AR_2019 | 232 | In 2019, the Monetary Policy Council decided not to change interest rates. They remained flat at the level set in March 2015 – the reference interest rate was 1.5%. According to the Monetary Policy Council, the current level of interest rates is still conducive to keeping the Polish economy on a sustainable growth path... | 60 | annual_report |
2152 | 973 | Revenues on interest sensitive life insurance contracts are composed of contract charges and fees, which are recognized over the coverage period. Premiums for other life insurance products and annuities are recognized as revenue when due after deductions for ceded insurance premiums. | 41 | 10K |
AvivaPLC-AR_2012 | 3,727 | Deferred income 319 359 Reinsurers’ share of deferred acquisition costs 11 12 | 12 | annual_report |
ScorSE-AR_2019 | 265 | 1.2.5.3. Life Reinsurance SCOR’s Global Life segment underwrites Life reinsurance business in the following product lines: • Protection; • Financial Solutions; • Longevity. | 23 | annual_report |
NatwestGroupPLC-AR_2016 | 2,407 | However, the choices we’ve had to make as we move RBS | 11 | annual_report |
2845 | 945 | The Group entered into five interest rate swap agreements to hedge against interest rate risk on its floating rate Trust preferred securities. Interest rate swaps are contracts to convert, for a period of time, the floating rate of the Trust preferred securities into a fixed rate without exchanging the instruments them... | 51 | 10K |
SwissReAG-AR_1982 | 544 | Ceding company: The insurer which cedes (passes on) ->• risks to the ^ reinsurer. | 14 | annual_report |
NatwestGroupPLC-AR_2016 | 792 | Corporate Finance and Co-Head of its global business and CEO of the EMEA region. He relinquished his management roles at the end of 2005, and was appointed Vice Chairman of UBS | 31 | annual_report |
4232 | 599 | On December 21, 2010, we acquired Concentra Inc., or Concentra, a health care company based in Addison, Texas, for cash consideration of $804.7 million. Through its affiliated clinicians, Concentra delivers occupational medicine, urgent care, physical therapy, and wellness services to workers and the general public thr... | 98 | 10K |
5571 | 2,275 | We estimate an unfavorable combined long-term and short-term interest rate impact on the adjusted earnings of our Asia segment from the Low Interest Rate Scenario of $20 million, $45 million and $85 million in 2019, 2020 and 2021, respectively. | 39 | 10K |
PosteItalianeSpA-AR_2015 | 4,794 | Consorzio Servizi Telef. Mobile ScpA - - - - - - - 38 - | 14 | annual_report |
AegonNV-AR_2009 | 845 | AEGON had, however, taken a number of steps designed to position itself for a possible downturn in the global economy. These steps included: Reducing the company’s overall exposure to world � | 31 | annual_report |
NatixisSA-AR_2005 | 777 | In 2005, these values were translated into concrete principles for managers in a document entitled “Être manager chez Natexis Banques Populaires” (“Being a Manager at Natexis Banques Populaires”). | 28 | annual_report |
AdmiralGroupPLC-AR_2008 | 120 | 11 Number of people employed in the Group rose to 3,110 from 2,500 (+24%), we opened a new office in Newport (Wales, not Rhode Island) and we’re hiring in every operation! | 31 | annual_report |
5191 | 1,250 | Basic and Diluted Net Income (Loss) Per Common Share, Basic net income (Loss) per common share is computed by dividing net income (loss) by the weighted average number of common shares outstanding during the periods presented using the treasury stock method. Diluted net income (loss) per common share is computed by inc... | 79 | 10K |
2331 | 981 | In April 2003, the FASB issued SFAS 149, “Amendment of Statement 133 on Derivative Instruments and Hedging Activities.” SFAS 149 amends and clarifies financial accounting and reporting for derivative instruments, including certain derivative instruments embedded in other contracts and for hedging activities under SFAS ... | 75 | 10K |
gb_prudential-AR_2012 | 1,567 | I look forward to receiving your support for the directors’ remuneration report at our AGM. | 15 | annual_report |
AvivaPLC-AR_2018 | 3,355 | 49 – Tax assets and liabilities This note analyses the tax assets and liabilities that appear in the statement of financial position and explains the movements in these balances in the year. | 32 | annual_report |
SwissReAG-AR_2010 | 621 | Sales of protection products, which held up relatively well during the crisis, developed differently in the main markets in 2010. In the US, term sales were down 10% in 2010, partly reflecting price increases and fewer product offerings as well as the economic downturn. In markets like the UK and Ireland, sales continu... | 79 | annual_report |
5187 | 907 | In 2015, actual experience differed from our key assumptions as of December 31, 2014, resulting in $210 million of favorable incurred costs related to prior years' medical costs payable or 1.3% of the current year incurred costs as reported in 2014. In 2014, actual experience differed from our key assumptions as of Dec... | 109 | 10K |
SwissLifeHoldingAG-AR_2016 | 3,017 | SHARES ISSUED AS AT END OF PERIOD 32 081 201 32 081 054 | 13 | annual_report |
4039 | 1,515 | In 2008, the Company also incurred severance expenses as it integrated HRH into its existing North America operations. Severance costs of $2 million (2007: $nil) relating to the elimination of approximately 100 positions in the Company’s existing operations were recognized through the consolidated statement of operatio... | 74 | 10K |
5339 | 762 | the amortization of DAC, VOBA, and certain policy liabilities that is impacted by the exclusion of these items. | 18 | 10K |
3298 | 2,860 | Fund American's reportable segments are Primary Insurance Operations, Affiliate Quota Shares and Other Operations. | 14 | 10K |
4812 | 1,419 | primarily due to increased competition for loans that meet our size, duration and underwriting standards. Additionally, U.S. Treasury rates were low throughout 2012 and 2013, which has led to a decline in our overall mortgage loan portfolio yield. | 38 | 10K |
AegonNV-AR_2000 | 458 | Variable life and variable annuities were the Group’s growth stars last year: AEGON USA | 14 | annual_report |
5228 | 980 | Note: Jurisdictions in italics in the table above are those that predominately use a judicial foreclosure process, which generally increases the amount of time it takes for a foreclosure to be completed. | 32 | 10K |
4848 | 1,621 | numerous temporary differences between our taxable income and financial statement income and other changes in shareholders’ equity. Such temporary differences relate primarily to unrealized gains and losses on investments and differences in the recognition of deferred acquisition costs, unearned premium and insurance r... | 91 | 10K |
PhoenixGroupHoldingsPLC-AR_2011 | 249 | Insurance Groups’ Directive (‘IGD’) surplus is the regulatory assessment of capital adequacy on a Group‑wide basis: Analysis The estimated IGD surplus has increased to £1.3 billion with IGD capital generation of £0.6 billion offsetting the payment of dividends, debt interest and debt repayments of £0.3 billion. The sur... | 65 | annual_report |
2178 | 238 | WE MAY SUFFER LOSSES FROM LITIGATION As is typical for a large insurance group, we are involved in litigation. Among other things, we, like other participants in the insurance industry, have been subject in recent years to an increasing volume of class action litigation challenging a range of industry practices. Our li... | 108 | 10K |
5547 | 1,829 | We incurred fees of approximately $8.2 million, included within net unrealized gains (losses), for the year ended December 31, 2018 to Hillhouse and its affiliated entities in relation to the management of the funds described above. | 36 | 10K |
gb_lloyds_banking_grp-AR_2013 | 1,408 | – Operations costs increased slightly from 2012 to 2013 with enhancements to our customer services processes and regulatory and compliance activities, in areas such as Global Payments, offset by Simplification savings. This includes delivering Industry Accounts Switchers, Global Anti Money laundering and Foreign Accoun... | 54 | annual_report |
HannoverRueckSE-AR_2010 | 681 | H A N N O V E R L I F E R E G E R M A N Y | 21 | annual_report |
5189 | 739 | The following is a progression of the credit-related portion of OTTI on investments owned at December 31, 2016, 2015, and 2014 (in thousands). | 23 | 10K |
1925 | 319 | (1)Under GAAP accounting requirements, only those immediate annuities with life contingencies are recognized in premiums. Those without life contingencies, called period certain, are recorded directly as liabilities and generate contract charges and investment margin. | 34 | 10K |
5928 | 1,714 | In February 2019, the Company awarded contingent stock options ("2019 Stock Options") under the 2014 Omnibus Plan. These options are subject to vesting conditions based on the achievement of specified performance measures, and generally become | 35 | 10K |
nl_ing_grp-AR_2013 | 1,682 | Reference is made to Note 46 ‘Fair value of assets and liabilities’ for more disclosure on fair values of real estate investments. | 22 | annual_report |
DirectLineInsuranceGroupPLC-AR_2012 | 427 | Performance We continue to focus on improving our product options to meet customer needs and increase customer value. New product ranges were launched in 2012 for our Sainsbury’s Bank and Nationwide Building Society partnerships. | 34 | annual_report |
4526 | 652 | Loss ratio. The loss ratio is the ratio (expressed as a percentage) of losses and LAE incurred to net premiums earned and measures the underwriting profitability of a company’s insurance business. The Company measures the loss ratio on an accident year and calendar year loss basis to measure underwriting profitability.... | 79 | 10K |
2743 | 1,015 | We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. We were not engaged to perform an... | 155 | 10K |
Sampoplc-AR_2008 | 1,235 | Group exercises control if its shareholding is more than 50 per cent of the voting rights or it otherwise has the power to exercise control over the financial and operating policies of the entity. Subsidiaries are consolidated from the date on which control is transferred to the Group, and cease to be consolidated from... | 59 | annual_report |
2504 | 330 | Other operating revenue decreased to $2.2 million for 2003 from $2.9 million for 2002. The decrease was the result of reduced savings sharing revenue at our California and Michigan HMOs. | 30 | 10K |
4184 | 1,956 | As discussed in Note 1, we revised our reportable segments during the fourth quarter of 2010 to establish a separate reportable segment for excess and surplus lines. This will allow readers to view this business in a manner similar to how it is managed internally when making operating decisions. This new segment includ... | 92 | 10K |
PosteItalianeSpA-AR_2019 | 2,518 | Disused data centers with reduction from 12 to 8 local data centers | 12 | annual_report |
PosteItalianeSpA-AR_2017 | 5,265 | Address Software Srl (Rome) Subsidiary 237 51.00% 931 466 465 1,087 38 | 12 | annual_report |
4685 | 1,445 | The credit loss component of OTTI recognized in earnings is calculated based on the difference between the amortized cost of the security and the net present value of its projected future cash flows discounted at the effective interest rate implicit in the debt security prior to the impairment. The significant inputs a... | 72 | 10K |
fr_axa-AR_2009 | 1,123 | On February 12, 2008, AXA announced it had reached an agreement with ING for the acquisition of 100% of the share capital of its Mexican insurance subsidiary Seguros ING, for a price of $1.5 billion (€959 million). In 2007, Seguros ING was the third largest Mexican insurer (12% total market share, 5.5 million clients),... | 111 | annual_report |
3604 | 843 | AIC and AGI contributed $14.8 million of earned premiums growth in 2007. The growth from AIC and AGI is related to increases in personal lines. During 2007, AIC’s and AGI’s earned premiums for homeowner and manufactured home increased $10.0 million, or 6.3%, automobile increased $2.9 million, or 0.9%, and farmowner inc... | 99 | 10K |
StandardLifeAberdeenPLC-AR_2012 | 1,121 | Transactions in foreign currencies are translated to the functional currency at the exchange rate ruling at the date of the transaction. At each balance sheet date, monetary assets and liabilities denominated in foreign currencies are translated at the exchange rate ruling at the balance sheet date and any exchange dif... | 167 | annual_report |
TrygAS-AR_2011 | 886 | The Supervisory Board intends to consider any public takeover bid as prescribed by legislation and, depending on the nature of such bid, to convene an extraordinary general meeting of shareholders in accordance with applicable rules. | 35 | annual_report |
fr_axa-AR_2009 | 2,968 | Banca Monte dei Paschi di Siena S.p.A, Chairman of the Board | 11 | annual_report |
4847 | 1,808 | At December 31, 2013, the aggregate of long term debt maturing in each of the next five years is approximately as follows: $840 million in 2014, $948 million in 2015, $1.5 billion in 2016, $977 million in 2017, $337 million in 2018 and $6.3 billion thereafter. Long term debt is generally redeemable in whole or in part ... | 81 | 10K |
GjensidigeForsikringASA-AR_2018 | 524 | Notification Reporting procedures are in place for employees who experience discrimination. Gjensidige has an equality and discrimination committee that convenes as necessary. The committee comprises staff from the HR department and employee representatives. It is the Group’s HSE manager who decides when to convene the... | 73 | annual_report |
fr_axa-AR_1999 | 253 | There have been no Year 2000 problems encountered that could have a material adverse effect on the business, financial condition or results of operations of | 25 | annual_report |
2767 | 713 | There are a number of significant risks and uncertainties inherent in the process of monitoring impairments and determining if an impairment is other than temporary. These risks and uncertainties include: (1) the risk that our assessment of an issuer's ability to meet all of its contractual obligations will change base... | 282 | 10K |
GjensidigeForsikringASA-AR_2015 | 734 | Changes in framework conditions Solvency II Preparations for the Solvency II regulations have been prioritised in 2015. Solvency II entails new rules for calculating capital requirements and qualifying funds, risk management requirements and requirements for the reporting of the risk and capital situation. The regulati... | 60 | annual_report |
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