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2742
1,202
Effective August 8, 2005, the Company completed the IPO of its common stock with the sale of 6,000,000 shares of Common Stock at a price to the public of $14 per share. The majority of the proceeds from the IPO were used to pay all accrued and unpaid dividends totaling $7.1 million on the Series A Preferred Stock and to redeem 69,268 shares of the Series A Preferred Stock at their liquidation value. All shares of Class A and Class B Common Stock were converted into shares of Converted Common Stock and the remaining shares of Series A Preferred Stock were converted into 2,726,024 shares of Converted Common Stock. On September 3, 2005, the over-allotment option granted to the underwriters in the IPO expired. Underwriting discounts and other offering expenses totaling $8.3 million were deducted from the proceeds of the offering.
141
10K
5231
2,101
(3) Includes the fair value of loaned securities of $1,403.8 and $466.4 as of December 31, 2016 and 2015, respectively. In addition, as of December 31, 2016 and 2015, the Company delivered securities as collateral of $753.3 and $646.2, respectively. Loaned securities and securities delivered as collateral are included in Securities pledged on the Consolidated Balance Sheets.
57
10K
de_allianz-AR_2003
1,371
The expense ratio improved 3.7 percentage points to 8.6 percent. Write-downs of deferred acquisition costs were lower than in the previous year, and our cost-cutting measures in distribution began to show palpable results.
33
annual_report
NatwestGroupPLC-AR_2018
1,778
 Scenario results and management actions are reviewed and agreed by senior management through executive committees including Executive Risk Committee, Board Risk Committee and the Board.
26
annual_report
5127
1,034
On September 10, 2014, we received Notices of Deficiency (commonly referred to as “90 day letters”) covering the 2000-2007 tax years. The Notices of Deficiency reflect taxes and penalties related to the REMIC matters of $197.5 million and at December 31, 2015, there would also be interest related to these matters of approximately $182.9 million. In 2007, we made a payment of $65.2 million to the United States Department of the Treasury which will reduce any amounts we would ultimately owe. The Notices of Deficiency also reflect additional amounts due of $261.4 million, which are primarily associated with the disallowance of the carryback of the 2009 net operating loss to the 2004-2007 tax years. We believe the IRS included the carryback adjustments as a precaution to keep open the statute of limitations on collection of the tax that was refunded when this loss was carried back, and not because the IRS actually intends to disallow the carryback permanently.
158
10K
de_allianz-AR_2014
2,535
ProPerty-casualty Insurance German Speaking Countries 287 – 284 – Insurance Western & Southern Europe 1,358 – 1,086 – Insurance Iberia & Latin America 21 – 21 – Asia-Pacific and Middle East 86 – 83 – Central and Eastern Europe 307 3 427 10 Global Insurance Lines & Anglo Markets 321 – 314 – Specialty Lines I 38 – 38 – Specialty Lines II 21 – 20 –
67
annual_report
5356
890
As part of the Company’s investment activity, we have committed $60,000 to investments in limited partnerships in a real estate investment trust. The Company has contributed $30,240 to these commitments as of December 31, 2017. As of December 31, 2017, the remaining committed capital due to be called is $29,760.
50
10K
de_allianz-AR_2015
1,474
scope By design, our partial internal risk capital model takes into account the following risk categories: market risk, credit risk, underwriting risk, business risk, and operational risk – whenever these risks are present. A further breakdown of the risk categories can be found in the section on internal risk assessment. With the exception of the Asset Management business segment, all business segments are exposed to the full range of stated risk categories. By contrast, the Asset Management business segment is mainly exposed to operational and market risk and to a lesser extent to credit risk.
95
annual_report
de_allianz-AR_2007
991
For example, stress test results on a Group level indicated that a 10 % price decline in our available-for-sale equity securities as of December 31, 2007 would have resulted in a � 2.7 billion decline in shareholders’ equity before minority interests. If the interest rate had increased by 100 basis points, shareholders’ equity before minority interests would have decreased by � 3.6 billion, if available-for-sale fixed income securities are taken into account as of December 31, 2007.
77
annual_report
4289
1,216
Potential Events of Default Under Bankruptcy, Insolvency or Liquidation. Based on the termination of the Bayside Amalgamation Agreements, the conservation and rehabilitation of Majestic Insurance by the CA DOI, the restrictions placed on Twin Bridges’ ability to write new business or pay dividends/distribute capital by the BMA and our resulting inability to fund the ongoing expenses of our holding companies, we may be forced to seek relief through a filing under the U.S. Bankruptcy Code or Bermuda Companies Act. A bankruptcy filing would result in the violation of one or more legal and financial covenants of our debt and other contractual obligations. This violation would trigger an event of default or may result in the early termination of the following debt and contractual obligations:
124
10K
gb_prudential-AR_2009
680
Jackson’s statutory basis total adjusted capital of £2.5 billion is more than eight times the regulatory required risk-based capital at the authorised control level. This equates to a RBC percentage in excess of 400 per cent. The Michigan Insurance Commissioner granted Jackson a permitted practice that allowed Jackson to carry interest rate swaps at book value, as if statutory hedge accounting were in place, instead of at fair value as would have been otherwise required. The effect of this permitted practice was to increase statutory total adjusted capital by £117 million at 31 December 2009.
95
annual_report
4893
1,538
We lease office space in Bermuda, where our principal executive office is located and our casualty reinsurance segment is based. We also lease offices in (1) Raleigh, North Carolina, where our U.S. holding company, James River Group is based, and we conduct business in our Specialty Admitted Insurance segment and (2) Richmond, Virginia, Scottsdale, Arizona and Atlanta, Georgia for the conduct of business in our Excess and Surplus Lines segment. We believe that our facilities are adequate for our current needs and that suitable additional or substitute space will be available as needed.
93
10K
nl_ing_grp-AR_2018
5,727
ING also applies the following risk appetite definitions:  RAF – Risk appetite framework which includes Solvency, Liquidity & funding risk, Credit risk,
23
annual_report
HiscoxLtd-AR_2020
22
Showing ownership in claims Among the many life-changing impacts of Covid-19, a postponed concert, deferred sports event or cancelled flight may seem trivial. But for businesses that rely on events for revenue, or individuals unable to return home or be reunited with family members, these cancellations can be devastating. Travel disruption was one of the earliest impacts of Covid-19, and required immediate ownership from our claims teams. In the first month of the UK lockdown, we processed over 200 travel claims, including repatriation costs for customers who were abroad when the Foreign & Commonwealth Office advised all British nationals to return home immediately.
103
annual_report
gb_lloyds_banking_grp-AR_2014
6,009
A portfolio approach is taken for SME customers with exposures below £1 million managed in BSU. All customers with exposures below £1 million are reported as forborne whilst they are managed by BSU (whether impaired or unimpaired).
37
annual_report
4787
1,027
The Company had 46 and 75 swap transactions with an average notional amount of $3,175 and $8,685 during the years ended December 31, 2013 and 2012, respectively. During the years ended December 31, 2013 and 2012, the Company had 17 and 23 cross-currency swap transactions with an average notional amount of $13,881 and $12,710, respectively. The Company had 695 and 931 futures transactions with an average number of contracts per transaction of 9 and 11 during the years ended December 31, 2013 and 2012, respectively. The Company had 52 and 46 swaption transactions with an average notional amount of $5,040 and $5,528 during the years ended December 31, 2013 and 2012, respectively. The Company had 986 forward settling TBA security transactions with an average notional amount of $47,566 during the year ended December 31, 2013.
135
10K
SwissReAG-AR_1997
9
Global presence 60 Subsidiaries and affiliated companies 62 The year-2000 problem 71 Swiss Re as sponsor 74 Swiss Re’s communications centre in Rüschlikon 76 Swiss Re Publishing 78 Glossary of technical terms 80 Swiss Re registered shares 84
38
annual_report
NatixisSA-AR_2012
3,230
On the Capital markets, the debt platform combines loan syndication with the primary bond market. Global Structured Credit & Solutions posted excellent performances and continued developing its global Originate-to-Distribute model. In the debt issuance segment, Natixis is No. 9 in the “Global Euro” ranking and No. 2 for corporate issues in France (source: IFR- Thomson Reute rs, Dealogic).
58
annual_report
AvivaPLC-AR_2011
885
 We continually seek opportunities to improve processes, with the outcome of improved customer proposition, sustained customer confidence and a positive regulatory reputation
23
annual_report
RaiffeisenBankInternationalAG-AR_2005
735
We continue to judge the potential for the countries of Southeastern Europe optimistically, but somewhat more cautiously because of restrictions on credit growth prescribed by supervisory authorities there. In Central Europe, we are increasingly focusing on the fast-growing segment of asset management products in addition to traditional business.
48
annual_report
5352
1,109
We have a non-controlling interest in one plant, which is owned by a limited liability company (which we refer to as a LLC). We have determined that this LLC is a VIE, for which we are not the primary beneficiary. At December 31, 2017, total assets and total liabilities of this VIE were $23.0 million and $21.1 million, respectively. For 2017, total revenues and expenses of this VIE were $66.2 million and $81.1 million, respectively.
75
10K
AegonNV-AR_2002
767
Traditional life, variable universal life, term life, group life, accident and health
12
annual_report
PosteItalianeSpA-AR_2015
751
Equity amounts to €9,658 million at 31 December 2015, marking an increase of €1,240 million compared with 31 December 2014. The increase primarily reflects profit for the year of €552 million and movements in the fair value reserves net of tax (€926 million), as a result of positive and/or negative movements in the value of investments in securities held by BancoPosta RFC and Poste Vita SpA.
66
annual_report
AdmiralGroupPLC-AR_2013
857
Board Committees The Board has delegated authority to a number of permanent committees to deal with matters in accordance with written Terms of Reference. The principal committees of the Board – Audit, Remuneration, Risk and Nomination – all comply fully with the requirements of the Code.
46
annual_report
StorebrandASA-AR_2006
1,970
For individual insurance, the premiums for life and accident cover are based on tariffs produced by insurance companies on the basis of their shared experience, namely T1984 for endowment insurance and R1963 for pensions insurance. Disability premiums are based on the company’s own experience, and were last amended in 2002.
50
annual_report
5839
1,261
The maximum individual life insurance risk retained by the Company is $0.5 million on any individual life, while either $0.1 million or $0.125 million is retained on each group life policy depending on the type of coverage. Excess amounts are reinsured. The Company also maintains a life catastrophe reinsurance program. For 2020, the Company reinsured 100% of the catastrophe risk in excess of $1.0 million up to $35.0 million per occurrence, with one reinstatement. The Company's life catastrophe risk reinsurance program covers acts of terrorism and includes nuclear, biological and chemical explosions but excludes other acts of war.
98
10K
NatwestGroupPLC-AR_2009
1,286
Net interest margin levels were rebuilt during the second half as asset pricing was amended to reflect increased funding and credit costs. For the year as a whole net interest margin was 18 basis points lower than in 2008, reflecting higher funding costs and continued competitive pricing for deposits.
49
annual_report
2803
437
effect on total shareholders' equity or the financial position of the Company.
12
10K
gb_lloyds_banking_grp-AR_2013
5,887
Income statement (charge) credit (note 14): Due to change in uK corporation tax rate (594) (320)
16
annual_report
1879
196
The Company's investment policy limits investments in any one company to $2,000,000 and any one U.S. government agency to $3,000,000. This limitation excludes bond premiums paid in excess of par value and U.S. government or U.S. government guaranteed issues. The Company's investment guidelines on equity securities limit investments in equity securities to an aggregate maximum of $2,000,000. As of December 31, 2002, all but one of the Company's fixed maturity investments were investment grade, the Company held no non-traded fixed maturity or equity securities, all state and municipal tax exempt fixed maturity investments were pre-refunded issues, and all certificates of deposit are FDIC insured. The one fixed maturity investment rated below investment grade has a par value $1,500,000, a maturity date of March 1, 2004, a Moody's rating of B3, and a temporary unrealized loss at December 31, 2002, and February 28, 2003, of $32,620 and $27,468, respectively.
148
10K
5737
5,521
Premiums on life and accident and health policies are reported as earned when due or, for short duration contracts, over the contract period on a pro rata basis. Benefits and expenses are associated with earned premiums and occur throughout the estimated life of the contracts. This matching is accomplished by means of provisions for future benefits and the capitalization and amortization of DAC.
63
10K
NatixisSA-AR_2008
2,179
Committee (HSWCC) placed great reliance upon intermediary committees responsible for checking the application of rules on health, safety and working conditions at the level of particular real estate divisions. Four intermediary committees are in operation, allowing the HSWCC to concentrate on cases covering the restructuring carried out in the company, and its consequences for working conditions.
56
annual_report
5351
660
The Company had previously adopted a Rule 10b5-1 share repurchase plan under the Securities Exchange Act of 1934 (the “Plan”) in connection with the Share Repurchase Program. The Plan allowed the Company to repurchase its shares at times when it otherwise might be prevented from doing so under insider trading laws or because of self-imposed trading blackout periods. The Company has cancelled the Plan effective September 28, 2017.
68
10K
1723
486
In June 2001, the FASB issued SFAS No. 142, “Goodwill and Other Intangible Assets.” SFAS No. 142 supersedes Accounting Principles Board Opinion No. 17, “Intangible Assets.” The provisions of SFAS No. 142 are required to be applied starting with fiscal years beginning after December 15, 2001. The Company does not expect the adoption of SFAS No. 142 to have a material impact on the Company’s financial statements.
67
10K
ASRNederlandNV-AR_2018
4,483
We performed audit procedures in this area, which include: • An assessment of ASR Nederland N.V.’s governance, processes and internal controls with respect to unitlinked exposure; • A review of the documentation and enquiries about the unit-linked exposures with management and its internal legal advisor. These procedures took into account ASR Nederland N.V.’s specific developments as well as broader market developments in 2018; • Obtaining a legal letter from ASR Nederland N.V.’s external legal advisor; • Consideration of the recognition and measurement requirements for establishing provisions under IFRS.
88
annual_report
2628
869
In assessing the realizability of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management believes it is more likely than not the Group will realize the benefits of the deferred tax assets at December 31, 2004 and 2003.
81
10K
1936
1,387
proposed legislation and regulation to provide payment and administrative relief for the Medicare+Choice program and regulate drug pricing by the state and federal government could include provisions that impact our Medicare+Choice and commercial products;
34
10K
HannoverRueckSE-AR_2013
458
Insurance-Linked Securities (ILS) Demand for ILS products not only on the capital market but also among investors from the traditional reinsurance and primary insurance market showed no signs of easing. Thus, for example, we were able to renew our “K” quota share – a modelled quota share cession consisting of non-proportional reinsurance treaties in the property, catastrophe, aviation and marine (including offshore) lines that we have placed inter alia on the ILS market for almost 20 years – on a virtually unchanged level of around USD 320 million for 2013.
90
annual_report
NatixisSA-AR_2011
4,504
For the other two risk classes (industry and geographic risk), objective evidence of impairment is based on in-depth analysis and monitoring of business sectors and countries. Such evidence typically arises from a combination of micro or macroeconomic factors specifi c to the industry or country concerned.
46
annual_report
fr_axa-AR_2015
5,975
DAC and similar costs capitalization for the period 2,178 133 1,871 202
12
annual_report
RaiffeisenBankInternationalAG-AR_2019
6,122
Sweden RBI Representative Office Nordic Countries Drottninggatan 89, 14th Floor 11360 Stockholm Tel: +46-8-440 5086
15
annual_report
ch_zurich_insurance_group-AR_2012
1,863
Investments in associates and partnerships where the Group has the ability to exercise significant influence but not control, as well as joint ventures where there is joint control, are accounted for using the equity method. Significant influence is presumed to exist when the Group owns, directly or indirectly, between 20 percent and 50 percent of the voting rights. Under the equity method of accounting, these investments are initially recognized at cost, including attributable goodwill, and adjusted thereafter for post-acquisition changes in the Group’s share of the net assets of the investment.
91
annual_report
SwissReAG-AR_1983
196
The stock market capitalization at the corresponding timein1983and1982 (on the basis at that time of 400,000 registered shares, 44,000 bearer shares and 240,000 non-voting shares) was Sw. frs. 1,905.9 million and Sw. frs. 1,566.8 million respectiveiy. The development over the comparative three-year period is shown in the following graphic.
49
annual_report
345
432
has numerous other leases for its branch offices and subsidiaries throughout the states in which it operates. In addition, it owns several properties which in aggregate are not material to its business taken as a whole.
36
10K
gb_prudential-AR_2003
129
In my review in last year’s Annual Report, I talked about the importance of our international reach and diversity of earnings and the need to manage the business prudently in challenging market conditions to preserve our strong competitive position and growth prospects in each of the markets we operate in around the world.
53
annual_report
Sampoplc-AR_2001
1,080
Credit risk monitoring is based on the continuous monitoring not only of the macro-economy and individual customer business sectors, but also of customer creditworthiness, collateral values and covenants. In addition, the ratings of listed customers are monitored by a model which estimates the probabilities of default using the market prices of shares. Country, customer and product limits are monitored daily. To reduce credit risks, customer account officers draw up action plans for customers in the three lowest creditworthiness categories.
79
annual_report
NatixisSA-AR_2020
5,502
Partnerships (joint operations and joint ventures) Natixis does not have interests in partnerships (joint operations and joint ventures) that have an impact on Natixis’ consolidated financial statements.
27
annual_report
SwissReAG-AR_2010
3,548
Non-controlling interests –154 Interest on convertible perpetual capital instrument –203 –1 117 Net income attributable to common shareholders 496 863 Weighted average common shares outstanding 339 543 341 342 524 717 Net income per share in USD 1.46 2.52 Net income per share in CHF1 1.49 2.64
47
annual_report
3781
1,672
The Company is the beneficiary of letters of credit, cash and other forms of collateral to secure certain amounts due from its reinsurers. The total amount of collateral held by the Company as of December 31, 2008 is
38
10K
1354
369
In November 1995, the FASB issued SFAS No. 123, "Accounting for Stock-Based Compensation". This statement encourages, but does not require, companies to recognize compensation expense for grants of stock, stock options, and other equity instruments to employees based on the fair value method of accounting. The Company continues to account for stock options in accordance with Accounting Principles Board Opinion No. 25. Had compensation cost been determined using the fair value of the options at the grant dates in accordance with SFAS No. 123, the Company's net income and earnings per share for the periods ended December 31, 1999, 1998 and 1997 would have been reduced by the following pro-forma amounts: $49,000, $186,000, and $640,000 and $0.01, $0.02 and $0.08, respectively. The weighted average grant date fair value of options granted during the year was estimated to be $17.45, $17.07 and $17.26 using the Black-Scholes model with the following assumptions for 1999, 1998 and 1997, respectively: risk free interest rates of 5.94 percent, 5.31 percent and 6.29 percent; dividend yield of 2.04 percent, 1.80 percent and 2.29 percent; and volatility of 30.95 percent, 38.10 percent and 26.36 percent. As of December 31, 1999, options outstanding under these plans had an exercise price that ranged from $8.26 to $15.50 and a remaining weighted average contractual life of 8.89 years. Stock options granted by the Company for the periods ended December 31, 1999, 1998 and 1997, are summarized in the following table:
240
10K
5859
531
We perform quarterly reviews of all available-for-sale securities within our investment portfolio to determine whether the decline in a security's fair value is deemed to be a credit loss. Management concluded that there were no credit losses (previously known as other-than-temporary impairments) from available-for-sale investments for the year ended December 31, 2020 or 2019.
54
10K
de_allianz-AR_2006
169
Furthermore, the European Commission in the autumn of 2006 commissioned a study on the implementation across Europe of the principle of “One share - one vote”.
26
annual_report
Sampoplc-AR_2017
321
In Denmark, If is actively involved in the Network for Eco Labelled products. As an engaged member of the network, If helps to send a clear signal to suppliers and manufacturers, that leading Nordic companies demand products that are manufactured with the highest possible consideration for the environment.
48
annual_report
4163
1,243
CDOC holds surplus debentures from Conseco Life of Texas with an aggregate principal amount of $749.6 million. Interest payments on surplus debentures from Conseco Life of Texas do not require additional approval provided the RBC ratio of Conseco Life of Texas exceeds 100 percent (but do require prior written notice to the Texas state insurance department). The RBC ratio of Conseco Life of Texas was 262% at December 31, 2010. Dividends and other payments from our non-insurance subsidiaries, including 40|86 Advisors and CNO Services, LLC, to CNO or CDOC do not require approval by any regulatory authority or other third party. However, insurance regulators may prohibit payments by our insurance subsidiaries to parent companies if they determine that such payments could be adverse to our policyholders or contractholders.
128
10K
HannoverRueckSE-AR_2007
27
As far as profitability is concerned, the financial year just-ended comfortably exceeded our expectations: for 2007 your company is reporting the highest Group net income in its history! This result was influenced by the favourable one-off effect associated with the reform of corporate taxation in Germany; yet even without this special effect 2007 would have marked a new record high.
60
annual_report
gb_lloyds_banking_grp-AR_2002
1,590
Registrar Lloyds TSB Registrars The Causeway Worthing West Sussex BN99 6DA
11
annual_report
BeazleyPLC-AR_2020
536
In all, our information security and privacy programme is built around a framework of prepare, protect, detect, respond and recover. This enables us to take precautions, act decisively and protect the interests of our data subjects. There have been no cases of a data breach that has had a material impact on our clients or our business, nor one that has necessitated any need to report the matter to our clients or any of our regulators.
76
annual_report
GjensidigeForsikringASA-AR_2012
2,554
Depreciation method Straight-line Straight-line Useful life (years) 10-50 3-5 1 Plant and equipment consist mainly of machinery, vehicles, fixtures and furniture.
21
annual_report
1804
270
Claims and other policy benefits, as a percentage of net premiums, were 80.1%, 76.5%, and 78.0% in 2001, 2000, and 1999, respectively. The 2001 loss ratio, when adjusted for the claims of $16.1 million related to the events of September 11, 2001, is reduced to 78.8%. Mortality results (death claims) during the first and fourth quarters of 2001 exceeded management expectations, primarily related to traditional business that has been on the books for many years. Analysis of claims activity does not indicate any particular pricing or profitability issues. The lower percentage in 2000 compared to 1999 is the result of generally positive mortality experience. Mortality is expected to fluctuate somewhat from period to period, but remains fairly constant over the long term.
122
10K
gb_lloyds_banking_grp-AR_2006
1,417
Impairment losses on loans and advances (note 19) 1,560 1,302 Other credit risk provisions (note 37) (5) (3)
18
annual_report
4019
1,782
Review and evaluation of any other security based on the investee’s current financial condition, liquidity, near-term recovery prospects, implications of rating agency actions, the outlook for the business sectors in which the investee operates and other factors. This evaluation is in addition to the evaluation of those securities with a gross unrealized investment loss representing 20% or more of cost.
60
10K
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2010
2,051
each stock appreciation right entitles the holder to draw in cash the difference between the munich Re share price at the time when the right is exercised and the initial share price. the stock appreciation rights may only be exercised after a two-year vesting period and then only if the share price is at least 20% higher than the initial price. in addition, munich Re shares must have outperformed the the euRo stoXX 50 twice at the end of a three-month period during the term of the plan. the gross amount that may be obtained from the exercising of the stock appreciation rights is limited to an increase of 150% of the initial share price.
115
annual_report
SwissLifeHoldingAG-AR_2013
2,641
Swiss Life – Annual Report 2013 legal reserves Legal reserves comprise the general reserves (plus the additional paid-in capital in excess of the par value, net of transaction costs), the reserve for treasury shares (equivalent in value to own Swiss Life Holding shares held by the Swiss Life Group) and the capital contribution reserve of CHF 1246 million. Following the distribution of CHF 4.50 per share, the capital contribution reserve was reduced by CHF 144 million during the year under review from CHF 1389 million to CHF 1246 million as at 31 December 2013. Of this amount CHF 1075 million is recognised by the Federal Tax Administration, while the legal qualification of CHF 171 million is still open and is to be reassessed according to future legal developments.
128
annual_report
3926
1,121
For further information, please reference Note 7 to our audited Consolidated Financial Statements as of and for the year ended December 31, 2008 included in this Form 10-K.
28
10K
5571
5,792
The aggregate maturities of long-term debt at December 31, 2018 for the next five years and thereafter are $728 million in 2019, $750 million in 2020, $1.4 billion in 2021, $500 million in 2022, $1.0 billion in 2023 and $9.5 billion thereafter.
42
10K
SwissReAG-AR_2018
1,589
More information on the Swiss Re shares, such as the price performance and trading volume in 2018, Swiss Re’s dividend policy and dividends, the share buy-back programme and an overview on the key share statistics since 2014, is included in the section “Share performance” on pages 52–53 of this Financial Report.
51
annual_report
3878
3,667
Changes in estimated future cash flows would primarily be the result of changes in expectations for collateral defaults, recoveries, and underlying loan prepayments.
23
10K
SwissLifeHoldingAG-AR_2005
2,548
Oudart Patrimoine (formerly Oudart Assurances), Paris Banking from 25.05.2004 100.0% 100.0% full EUR 38
14
annual_report
5938
950
Following completion of the Scheme of Arrangement, Global Indemnity Group, LLC survived as the ultimate parent company of the Global Indemnity group of companies. Additionally, as part of the Redomestication transactions, Global Indemnity Reinsurance Company was merged with and into Penn-Patriot, with Penn-Patriot surviving, resulting in the assumption of Global Indemnity Reinsurance’s business by the Global Indemnity group of companies’ existing U.S. insurance company subsidiaries (the "GI Bermuda Transaction" and, together with the Redomestication and the other transactions described in Global Indemnity Limited's Definitive Proxy Statement on Schedule 14A filed with the Securities and Exchange Commission on July 23, 2020 (the "Redomestication Proxy Statement"), the "Transactions").
106
10K
gb_lloyds_banking_grp-AR_2005
1,220
Profit attributable to equity shareholders £2,493m £2,392m Weighted average number of ordinary shares in issue 5,595m 5,590m Basic earnings per share 44.6p 42.8p
23
annual_report
AegonNV-AR_2016
3,774
Government bonds Aegon Americas, Aegon the Netherlands and Aegon UK’s government issued available-for-sale debt securities include emerging market government bonds, US Treasury bonds, agency and state bonds. Aegon evaluated the near-term prospects of the issuers and it is believed that the contractual terms of these investments will be met and these investments are not impaired as of December 31, 2016.
60
annual_report
4163
1,175
In accordance with GAAP, we record our fixed maturity securities, available for sale, equity securities and certain other invested assets at estimated fair value with any unrealized gain or loss (excluding impairment losses, which are recognized through earnings), net of tax and related adjustments, recorded as a component of shareholders’ equity. At December 31, 2010, we increased the carrying value of such investments by $.5 billion as a result of this fair value adjustment.
74
10K
5047
715
During the years ended May 31, 2015 and May 31, 2014, a company owned by a board member provided consulting services. This company provided services totaling $62,100 and $62,100 in 2015 and 2014. Amounts owed to this company at year end are treated as related party payables in the amounts $169,375 and $136,775 at May 31, 2015 and 2014 respectively.
60
10K
2981
725
The Company has worked over the last few years to reunderwrite risks in virtually all markets. These efforts have resulted in a decrease in the frequency and severity of reported and paid losses that are now beginning to emerge in the loss data used to make actuarial projections of ultimate losses. Accordingly, the favorable
54
10K
HannoverRueckSE-AR_2019
480
Global lines Structured Reinsurance and Insurance-Linked Securities In the Structured Reinsurance and ILS reporting category we combine our business involving tailor-made property and casualty reinsurance solutions and insurance-linked securities (ILS).
30
annual_report
ASRNederlandNV-AR_2015
1,399
Operational risk • a.s.r. has further improved its system of internal control in line with formulated ambition levels. The enterprise wide internal control framework is largely implemented in the product lines; • In 2015, the non-financial risk dashboard in which nonfinancial risk profile of each business unit is reported, was further aligned with the formulated risk appetite.
57
annual_report
gb_prudential-AR_2019
3,133
Clawback Allows cash and share awards, including shares subject to the holding period, to be recovered before or after release in certain circumstances.
23
annual_report
fr_axa-AR_2012
1,720
Adjusted earnings increased by €91 million to €55 million. On a constant exchange rate basis, adjusted earnings increased by €90 million mainly due to higher underlying earnings, €6 million lower impairment charges partly offset by €2 million lower realized capital gains mainly on equities.
44
annual_report
AvivaPLC-AR_2000
251
Pre-tax operating profit before amortisation of goodwill, amortisation of acquired additional value of in-force long-term business and exceptional items from ongoing business 1,028 1,299
24
annual_report
1727
726
Although considerable efforts had been made to achieve profitability in Texas, it was determined that under the current operating environment, the Company would not be able to turn around the operating results and the best course of action was to exit the market as soon as possible to limit future losses and exposure. During the third quarter of 2001, the Company announced its plan to exit the Texas HMO health care market and received formal approval from the Texas Department of Insurance to withdraw its HMO operations in mid-October. The Company intends to cease providing HMO health care coverage in Texas on April 17, 2002.
105
10K
NatwestGroupPLC-AR_2014
7,891
The amounts shown in the table below are intended only to provide an indication of the volume of business outstanding at 31 December 2014. Although the Group is exposed to credit risk in the event of a customer’s failure to meet its obligations, the amounts shown do not, and are not intended to, provide any indication of the Group's expectation of future losses.
63
annual_report
Sampoplc-AR_2020
2,605
In accordance with the shareholders’ agreement concerning Hastings Group (Consolidated) Ltd, RMI has an option within 18 months from the completion of the acquisition of Hastings to acquire further 10% of shares from Sampo at a price per share equal to the original offer price. Any dividends or other distributions in respect of the shares in question payable before RMI’s possible notice to use the option belong to Sampo. Sampo has an option to acquire the shares RMI holds at the price specified in the agreement, in case the holding of RMI in Hastings Group (Consolidated) Ltd falls below 10%. The price is based either on recent third party transactions made by RMI or derived from a valuation model described in the agreement. Until the potential notice by Sampo to use the option, any dividends or other distributions in respect of the shares in question belong to RMI.
148
annual_report
2340
732
Net premiums written for the year ended December 31, 2003 and the 2002 Period were $474,000,000 and $164,929,000, respectively. The increase is primarily because 2003 includes a full year of underwriting activity and the 2002 Period includes two months. Generally, the last two months of a year have a relatively small amount of net premiums written. However, net premiums written in the 2002 Period include $140,386,000 of premiums assumed from St. Paul under the Quota Share Retrocession Agreements representing unearned premiums related to contracts written by St. Paul during the first ten months of 2002. Net premiums written in 2003 reflect a growth in business underwritten in 2003 over 2002. Premiums written are based partially on estimates of ultimate premiums from reinsurance contracts and the estimates are updated quarterly. Net premiums written in 2003 include a reduction in premiums
139
10K
4421
659
We derive revenue from our online sponsorship advertising program that allows carriers to purchase advertising space in specific markets in a sponsorship area on our website. In return, we are typically paid a monthly fee and a performance-based fee based on metrics such as submitted health insurance applications. We also offer Medicare sponsorship services, which allow Medicare plan carriers to purchase advertising on a separate website developed, hosted and maintained by us. In these instances, we are typically paid a fixed, up-front fee, which we recognize as revenue over the service period.
92
10K
ch_zurich_insurance_group-AR_2007
3,676
Total 19,541 1 None of the Directors together with related parties to them held more than 0.5% of the voting rights as of December 31, 2007.
26
annual_report
AegonNV-AR_2006
1,281
AEGON may face claims from customers and adverse negative publicity if its products result in losses or fail to result in expected gains, regardless of the suitability of products for customers or the adequacy of the disclosure provided to customers by AEGON and by the intermediaries who distribute AEGON’s products. New products that are less understood and that have less of a historical performance track record may be more likely to be the subject of such claims. Any such claims could have a material adverse effect on AEGON’s results of operation, corporate reputation and fi nancial condition.
97
annual_report
AegonNV-AR_2006
3,767
Best estimate of contributions expected for the next annual period 99
11
annual_report
StandardLifeAberdeenPLC-AR_2019
3,803
ASI European Equity Tracker Fund5 OEIC 69% ASI Global Inflation-Linked Bond Tracker Fund5 OEIC 43% ASI Japan Equity Tracker Fund5 OEIC 74% ASI Short Dated Global Corporate Bond Tracker Fund5 OEIC 88% ASI Short Dated Sterling Corporate Bond Tracker Fund5 OEIC 73%
42
annual_report
SwissReAG-AR_2007
1,136
Swiss Re’s share price declined 22.4% in 2007. The CHF 7.75 billion share buy-back programme is expected to be completed within the next 24 months.
25
annual_report
4009
1,514
In the first quarter of 2009, Marsh acquired the remaining minority interest of a previously majority owned entity for total purchase consideration of $47 million reflecting cash paid of $24 million and future consideration of $23 million.
37
10K
StandardLifeAberdeenPLC-AR_2011
1,449
Within the IFRS segmental analysis, UK operations primarily comprise life and pensions, UK non-covered mutual funds business and the non-covered UK pension scheme. The Group’s healthcare business, Standard Life Healthcare Limited, was sold on 31 July 2010 and has therefore been classified as a discontinued operation for the year ended 31 December 2010. Following the acquisition of Focus Solutions Group plc on 11 January 2011, UK non-covered business results for the year ended 31 December 2011 include Focus. UK non-covered business is shown within Note 3.6 – Non-covered business.
89
annual_report
SwissReAG-AR_1988
634
Commission: Remuneration paid by the ̂ insurer to his agents, ^ brokers or other commercial intermediaries or by the ̂ reinsurer (reinsurance commission) to the ̂ in­ surer for their costs in connection with the acquisition and administration of insurance business.
41
annual_report
5941
577
Policy receivables are reported at unpaid balances. Policy receivables are generally offset by associated unearned premium liabilities and are not subject to significant credit risk. Receivables from agents, less provision for credit losses, are composed of balances due from independent agents. At December 31, 2020, the single largest balance due from one agent totaled $272,000.
55
10K
522
200
Extraordinary Item. In order to reduce interest expense incurred and interest rates paid, the Company prepaid the Senior Secured Notes (the "Senior Notes") issued in March 1993. Pursuant to the terms and conditions of the Senior Note Agreement, the Company provided for the Make Whole Provision, as defined, and related expenses in 1995. This amount, $1.25 million, before related income taxes, has been reflected as an extraordinary item in the Consolidated Statements of Earnings for the year ended December 31, 1995.
81
10K
3131
1,843
•Americas other than U.S. reflect organic revenue growth in Canada, along with favorable foreign exchange rates.
16
10K
5412
1,488
Our latest measurement date was December 31, 2017, at which time we increased our expected return on plan assets to 6.36%, reflecting a higher allocation to equity securities in the portfolio.
31
10K
5877
597
The other-than-temporary impairment recognized during 2019 was taken as a result of Management's assessment and determination of value of the investment. The investment was written down to better reflect its current expected value.
33
10K
1804
371
market interest rates. The Company does not have fixed-rate instruments classified as trading securities. The Company's projected loss in fair value of financial instruments in the event of a 10% change (increase or decrease) in market interest rates at its fiscal years ended December 31, 2001 and 2000 was $61.0 million and $86.7 million, respectively.
55
10K
PhoenixGroupHoldingsPLC-AR_2013
723
WYTHALL GREEN, BIRMINGHAM Phoenix Life operates out of Wythall Green. For further details, turn to page 14.
17
annual_report
AegonNV-AR_2018
4,253
modelling enhancement in discount curve upon account exhaustion. In the Netherlands, assumption changes and model updates led to a net loss of EUR 111 million, which includes charges of EUR 219 million mainly related to the population mortality best estimate update to reflect latest available data and an improvement in the modelling of policyholder behavior (lapses) and the lowering of IFRS
61
annual_report