Travelers 2005 Annual Report Download - page 12
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The St. PaulTravelers Companies, Inc.
Annual Report on Form 10-K
For Fiscal Year Ended December 31, 2005
TABLE OF CONTENTS
Item Number Page
Part I
1. Business.................................................................. 1
1A. Risk Factors .............................................................. 45
1B. Unresolved Staff Comments................................................ 53
2. Properties ................................................................ 53
3. LegalProceedings......................................................... 54
4. Submission of Matters to aVote of Security Holders........................... 60
Part II
5. Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer
Purchases ofEquity Securities............................................. 61
6. Selected Financial Data .................................................... 63
7. Management’s Discussion and Analysis of Financial Condition and Results of
Operations. ............................................................. 65
7A.Quantitative and Qualitative DisclosuresAbout Market Risk.................... 125
8. Financial Statements and Supplementary Data ................................ 128
9. Changes in and Disagreements With Accountants on Accounting andFinancial
Disclosure .............................................................. 218
9A. Controlsand Procedures.................................................... 218
9B. Other Information......................................................... 221
Part III
10.Directors and Executive Officers of the Registrant ............................. 221
11. ExecutiveCompensation................................................... 223
12.Security Ownership of Certain Beneficial Owners and Management and Related
Shareholder Matters..................................................... 223
13.Certain Relationships and Related Transactions ............................... 224
14.Principal Accounting Fees and Services....................................... 224
Part IV
15.Exhibits and Financial Statement Schedules ................................... 224
Signatures................................................................ 225
Index to Consolidated Financial Statements and Schedules...................... 227
Exhibit Index. ............................................................. 235