0000021175-21-000016.txt : 20210208 0000021175-21-000016.hdr.sgml : 20210208 20210208081325 ACCESSION NUMBER: 0000021175-21-000016 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 17 CONFORMED PERIOD OF REPORT: 20210208 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210208 DATE AS OF CHANGE: 20210208 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CNA FINANCIAL CORP CENTRAL INDEX KEY: 0000021175 STANDARD INDUSTRIAL CLASSIFICATION: FIRE, MARINE & CASUALTY INSURANCE [6331] IRS NUMBER: 366169860 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-05823 FILM NUMBER: 21598616 BUSINESS ADDRESS: STREET 1: CNA STREET 2: 151 N. FRANKLIN CITY: CHICAGO STATE: IL ZIP: 60606 BUSINESS PHONE: 3128225000 MAIL ADDRESS: STREET 1: CNA STREET 2: 151 N. FRANKLIN CITY: CHICAGO STATE: IL ZIP: 60606 8-K 1 cna-20210208.htm 8-K cna-20210208
0000021175falseCommon Stock, Par value $2.50"CNA"00000211752021-02-082021-02-080000021175exch:XNYS2021-02-082021-02-080000021175exch:XCHI2021-02-082021-02-08

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) February 8, 2021

CNA FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)

Delaware1-582336-6169860
(State or other jurisdiction(Commission(IRS Employer
of incorporation)File Number)Identification No.)

151 N. Franklin
Chicago, IL 60606
(Address of principal executive offices) (Zip Code)
(312) 822-5000
(Registrant's telephone number, including area code)

NOT APPLICABLE
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, Par value $2.50"CNA"New York Stock Exchange
Chicago Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐



ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
On February 8, 2021, the registrant issued a press release and posted on its website (www.cna.com) a financial supplement providing information on its results of operations for the fourth quarter and year ended December 31, 2020. The press release is furnished as Exhibit 99.1 and the financial supplement is furnished as Exhibit 99.2 to this Form 8-K.
The information under Item 2.02 and in Exhibits 99.1 and 99.2 in this Current Report is being furnished and shall not be deemed “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information under Item 2.02 and in Exhibits 99.1 and 99.2 in this Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.
(d) Exhibits:
See Exhibit Index.




EXHIBIT INDEX

Exhibit No.Description
CNA Financial Corporation press release, issued February 8, 2021, providing information on the fourth quarter and year ended December 31, 2020 results of operations.
CNA Financial Corporation financial supplement, posted on its website February 8, 2021, providing supplemental financial information on the fourth quarter and year ended December 31, 2020.
104Cover Page Interactive Data File (embedded within the Inline XBRL document)



SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CNA Financial Corporation
(Registrant)
Date:  February 8, 2021By/s/ Albert J. Miralles
(Signature)
Albert J. Miralles
Executive Vice President and
Chief Financial Officer



 EX-99.1 2 q4-20exhibit991.htm EX-99.1 Document

cnalogoq420191.gif

FOR IMMEDIATE RELEASE

CNA FINANCIAL ANNOUNCES
Q4 2020 NET INCOME OF $1.42 PER SHARE AND CORE INCOME OF $1.23 PER SHARE
FULL YEAR 2020 NET INCOME OF $2.53 PER SHARE AND CORE INCOME OF $2.70 PER SHARE
Fourth Quarter
•Net income was $387 million versus $273 million in the prior year quarter; core income was a record $335 million versus $265 million in the prior year quarter.
•The P&C combined ratio was 93.5% compared with 95.6% in the prior year quarter, including 0.8 points of catastrophe loss impact compared with 2.9 points in the prior year quarter. No change to COVID-19 catastrophe loss estimate.
•The underlying combined ratio was 92.7% compared with 94.9% in the prior year quarter. The underlying loss ratio was 60.5% compared with 60.9% in the prior year quarter and the expense ratio was 32.0% compared with 33.7% in the prior year quarter.
•P&C segments, excluding third party captives, generated gross written premium growth of 15% and net written premium growth of 12% from strong rate of +12% and new business growth of 17%.
•Net investment income of $555 million pretax includes $114 million of income from LPs and common stock compared with $545 million of pretax net investment income which included $69 million of income from LPs and common stock in the prior year quarter.
Full Year
•Net income was $690 million versus $1 billion in the prior year; core income was $735 million versus $979 million in the prior year.
•The P&C combined ratio was 100.9% compared with 96.7% in the prior year, including 7.7 points of catastrophe loss impact compared with 2.6 points in the prior year.
•The underlying combined ratio was 93.1% compared with 94.8% in the prior year. The underlying loss ratio was 60.2% compared with 61.0% in the prior year and the expense ratio was 32.6% compared with 33.5% in the prior year.
•P&C segments, excluding third party captives, generated gross written premium growth of 9% and net written premium growth of 6% from strong rate of +11% and new business growth of 6%.
•Net investment income of $1,935 million pretax includes $144 million of income from LPs and common stock compared with $2,118 million of pretax net investment income which included $226 million of income from LPs and common stock in the prior year.
Shareholders' Equity
•Book value per share of $46.82; book value per share excluding AOCI of $43.86, a 6% increase from year-end 2019 adjusting for $3.48 of dividends per share.
•Increased quarterly dividend 3% to $0.38 per share; special dividend of $0.75 per share.
1

CHICAGO, February 8, 2021 --- CNA Financial Corporation (NYSE: CNA) today announced fourth quarter 2020 net income of $387 million, or $1.42 per share, versus $273 million, or $1.00 per share, in the prior year quarter. Core income for the quarter was $335 million, or $1.23 per share, versus $265 million, or $0.97 per share, in the prior year quarter. Net income for the full year 2020 was $690 million, or $2.53 per share, versus $1.0 billion, or $3.67 per share, in the prior year. Core income for the full year 2020 was $735 million, or $2.70 per share, versus $979 million, or $3.59 per share, in the prior year.
Our Property & Casualty segments produced core income of $369 million for the fourth quarter of 2020, an increase of $32 million compared to the prior year quarter. The increase was primarily due to improved current accident year underwriting results.
Our Life & Group and Corporate & Other segments produced core income (loss) for the fourth quarter of 2020 of $26 million and $(60) million, respectively. Corporate & Other results include a $39 million after-tax non-economic charge related to asbestos and environmental pollution.
CNA Financial declared a quarterly dividend of $0.38 per share and a special dividend of $0.75 per share, payable March 11, 2021 to stockholders of record on February 22, 2021.
Further, as previously announced, the Company entered into an agreement with Cavello Bay Reinsurance Limited (Cavello), a subsidiary of Enstar Group Limited, under which Cavello will reinsure a legacy portfolio of excess workers’ compensation policies. The transaction closed on February 5, 2021.
Results for the Three Months Ended December 31Results for the Year Ended December 31
($ millions, except per share data)2020201920202019
Net income$387 $273 $690 $1,000 
Core income (a)
335 265 735 979 
Net income per diluted share$1.42 $1.00 $2.53 $3.67 
Core income per diluted share1.23 0.97 2.70 3.59 
December 31, 2020December 31, 2019
Book value per share$46.82$45.00
Book value per share excluding AOCI43.8644.81
(a)Management utilizes the core income (loss) financial measure to monitor the Company's operations. Please refer herein to the Reconciliation of GAAP Measures to Non-GAAP Measures section of this press release for further discussion of this non-GAAP measure.
“CNA produced record core income in the fourth quarter as we continued to leverage the hardening market conditions achieving 12% in rate increases and 12% growth in net written premium as well as improving both our underlying and total combined ratios by over two points. We are well positioned to extend our strong execution in the favorable market conditions that we expect to continue in 2021,” said Dino E. Robusto, Chairman & Chief Executive Officer of CNA Financial Corporation.
2

Property & Casualty Operations
Results for the Three Months Ended December 31Results for the Year Ended December 31
($ millions)2020201920202019
Gross written premiums ex. 3rd party captives
$2,169 $1,892 $8,422 $7,735 
GWP ex. 3rd party captives change (% year over year)
15 %9 %
Net written premiums$1,952 $1,746 $7,566 $7,134 
NWP change (% year over year)12 %6 %
Net investment income$324 $336 $1,072 $1,273 
Core income369 337 834 1,190 
Loss ratio excluding catastrophes and development60.5 %60.9 %60.2 %61.0 %
Effect of catastrophe impacts0.8 2.9 7.7 2.6 
Effect of development-related items— (2.2)0.1 (0.7)
Loss ratio61.3 %61.6 %68.0 %62.9 %
Expense ratio32.0 %33.7 %32.6 %33.5 %
Combined ratio93.5 %95.6 %100.9 %96.7 %
Combined ratio excluding catastrophes and development92.7 %94.9 %93.1 %94.8 %
•The fourth quarter combined ratio excluding catastrophes and development improved 2.2 points as compared with the prior year quarter. The expense ratio improved 1.7 points driven by higher net earned premiums and lower underwriting expenses. The underlying loss ratio improved 0.4 points.
•The fourth quarter combined ratio improved 2.1 points as compared with the prior year quarter. Net catastrophe losses were $14 million, or 0.8 points of the loss ratio in the quarter compared with $51 million, or 2.9 points of the loss ratio, for the prior year quarter. Net prior period development had no impact on the loss ratio in the current quarter compared with 2.2 points of favorable development decreasing the loss ratio in the prior year quarter.
•In the fourth quarter, P&C segments, excluding third party captives, generated gross written premium growth of 15% and net written premium growth of 12% driven by higher rate and new business.
•For the full year, the combined ratio excluding catastrophes and development improved 1.7 points as compared with the prior year.  The expense ratio improved 0.9 points driven by higher net earned premiums and lower underwriting expenses. The underlying loss ratio improved 0.8 points.
•For the full year, the combined ratio increased 4.2 points as compared with the prior year.  Net catastrophe losses were $550 million, or 7.7 points of the loss ratio for the full year compared with $179 million, or 2.6 points of the loss ratio, for the prior year. Unfavorable net prior period development increased the loss ratio by 0.1 points in the current year compared with 0.7 points of favorable development decreasing the loss ratio in the prior year.
•For the full year, P&C segments, excluding third party captives, generated gross written premium growth of 9% and net written premium growth of 6% driven by higher rate and new business.
3

Business Operating Highlights
Specialty
Results for the Three Months Ended December 31Results for the Year Ended December 31
($ millions)2020201920202019
Gross written premiums ex. 3rd party captives
$883 $752 $3,296 $3,015 
GWP ex. 3rd party captives change (% year over year)
17 %9 %
Net written premiums$809 $705 $3,040 $2,848 
NWP change (% year over year)15 %7 %
Core income$181 $188 $535 $671 
Loss ratio excluding catastrophes and development60.0 %60.7 %59.9 %60.3 %
Effect of catastrophe impacts0.7 (0.2)4.3 0.5 
Effect of development-related items(1.9)(4.9)(2.1)(3.3)
Loss ratio58.8 %55.6 %62.1 %57.5 %
Expense ratio30.4 %32.4 %31.3 %32.5 %
Combined ratio89.4 %88.2 %93.5 %90.2 %
Combined ratio excluding catastrophes and development90.6 %93.3 %91.3 %93.0 %
•The combined ratio excluding catastrophes and development improved 2.7 points for the fourth quarter of 2020 as compared with the prior year quarter. The expense ratio improved 2.0 points driven by higher net earned premiums and lower underwriting expenses. The underlying loss ratio improved 0.7 points.
•The combined ratio increased 1.2 points for the fourth quarter of 2020 as compared with the prior year quarter. Net catastrophe losses were $5 million, or 0.7 points of the loss ratio in the quarter compared with $(1) million, or (0.2) points of the loss ratio, for the prior year quarter. Favorable net prior period development improved the loss ratio by 1.9 points in the quarter compared with 4.9 points of improvement in the prior year quarter.
•Gross written premiums, excluding third party captives, grew 17% and net written premiums grew 15% for the fourth quarter of 2020 driven by strong rate and higher new business.
4

Commercial
Results for the Three Months Ended December 31Results for the Year Ended December 31
($ millions)2020201920202019
Gross written premiums ex. 3rd party captives
$975 $867 $3,993 $3,609 
GWP ex. 3rd party captives change (% year over year)
13 %11 %
Net written premiums$862 $779 $3,565 $3,315 
NWP change (% year over year)11 %8 %
Core income$165 $133 $261 $489 
Loss ratio excluding catastrophes and development61.1 %61.4 %60.6 %61.7 %
Effect of catastrophe impacts0.5 6.5 10.7 4.9 
Effect of development-related items1.7 (1.3)2.1 0.7 
Loss ratio63.3 %66.6 %73.4 %67.3 %
Expense ratio32.7 %33.6 %33.0 %32.9 %
Combined ratio96.2 %100.6 %106.9 %100.8 %
Combined ratio excluding catastrophes and development94.0 %95.4 %94.1 %95.2 %
•The combined ratio excluding catastrophes and development improved 1.4 points for the fourth quarter of 2020 as compared with the prior year quarter. The expense ratio improved 0.9 points driven by higher net earned premiums. The underlying loss ratio improved 0.3 points.
•The combined ratio improved 4.4 points for the fourth quarter of 2020 as compared with the prior year quarter. Net catastrophe losses were $4 million, or 0.5 points of the loss ratio in the fourth quarter of 2020 compared with $52 million, or 6.5 points of the loss ratio, for the prior year quarter. Unfavorable net prior period development increased the loss ratio by 1.7 points in the quarter, with more than half from unfavorable premium development, compared with 1.3 points of favorable development decreasing the loss ratio in the prior year quarter.
•Gross written premiums, excluding third party captives, grew 13% and net written premiums grew 11% for the fourth quarter of 2020 driven by higher new business and favorable rate.

5

International
Results for the Three Months Ended December 31Results for the Year Ended December 31
($ millions)2020201920202019
Gross written premiums$311 $274 $1,133 $1,111 
GWP change (% year over year)14 %2 %
Net written premiums$281 $262 $961 $971 
NWP change (% year over year)7 %(1)%
Core income$23 $16 $38 $30 
Loss ratio excluding catastrophes and development60.1 %59.7 %60.1 %60.9 %
Effect of catastrophe impacts2.1 — 7.1 1.1 
Effect of development-related items(0.3)2.6 (0.3)2.1 
Loss ratio61.9 %62.3 %66.9 %64.1 %
Expense ratio35.0 %38.0 %35.5 %37.7 %
Combined ratio96.9 %100.3 %102.4 %101.8 %
Combined ratio excluding catastrophes and development95.1 %97.7 %95.6 %98.6 %
•The combined ratio excluding catastrophes and development improved 2.6 points for the fourth quarter of 2020 as compared with the prior year quarter. The expense ratio improved 3.0 points driven by lower acquisition and underwriting expenses. The underlying loss ratio increased 0.4 points.
•The combined ratio improved 3.4 points for the fourth quarter of 2020 as compared with the prior year quarter. Net catastrophe losses were $5 million, or 2.1 points of the loss ratio in the fourth quarter of 2020, compared with no net catastrophe losses recorded for the prior year quarter. Favorable net prior year development improved the loss ratio by 0.3 points in the quarter compared with 2.6 points of unfavorable development increasing the loss ratio in the prior year quarter.
•Excluding currency fluctuations, gross written premiums for International increased 11% and net written premiums increased 5% for the fourth quarter of 2020 as compared with the prior year quarter driven by growth in Canada and Europe.
6

Life & Group
Results for the Three Months Ended December 31Results for the Year Ended December 31
($ millions)2020201920202019
Net earned premiums$124 $130 $504 $520 
Net investment income229 204 851 820 
Core income (loss)26 (4)9 (109)
Due to the recognition of the premium deficiency and resetting of actuarial assumptions in the third quarter of 2020, the operating results for our long term care business reflect the variance between actual experience and the expected results contemplated in our best estimate reserves. Core results improved $30 million for the fourth quarter of 2020 as compared with the prior year quarter driven by better than expected morbidity in the long term care business and higher net investment income.
Corporate & Other
Results for the Three Months Ended December 31Results for the Year Ended December 31
($ millions)2020201920202019
Net investment income$2 $5 $12 $25 
Interest expense28 32 122 131 
Core loss(60)(68)(108)(102)
Core loss improved $8 million for the fourth quarter of 2020 as compared with the prior year quarter. The application of retroactive reinsurance accounting to additional cessions to the A&EP Loss Portfolio Transfer in both periods resulted in after-tax non-economic charges of $39 million and $48 million in 2020 and 2019, respectively. The additional cessions in those periods were $100 million and $125 million, respectively.

Net Investment Income
Results for the Three Months Ended December 31Results for the Year Ended December 31
2020201920202019
Net investment income$555 $545 $1,935 $2,118 
Net investment income increased $10 million for the fourth quarter of 2020 as compared with the prior year quarter. The increase was driven by limited partnership and common stock investments, which returned 6.5%, or $114 million for the fourth quarter of 2020 compared with 3.7%, or $69 million in the prior year quarter. These results were partially offset by lower yields in our fixed income portfolio.
7

About the Company
CNA is one of the largest U.S. commercial property and casualty insurance companies. CNA provides a broad range of standard and specialized property and casualty insurance products and services for businesses and professionals in the U.S., Canada and Europe, backed by more than 120 years of experience and approximately $45 billion of invested assets.  For more information, please visit CNA at www.cna.com.
Contact
Media:Analysts:
Cara McCall, 312-822-1309Amy C. Adams, 312-822-5533
Conference Call and Webcast/Presentation Information
A conference call for investors and the professional investment community will be held at 8:00 a.m. (CT) today. On the conference call will be Dino E. Robusto, Chairman and Chief Executive Officer of CNA Financial Corporation, Al Miralles, Executive Vice President and Chief Financial Officer of CNA Financial Corporation and other members of senior management. Participants can access the call by dialing (800) 289-0571, or for international callers, +1 (720) 543-0206. The call will also be broadcast live on the internet and may be accessed from the Investor Relations page of the CNA website (www.cna.com). A presentation will be posted and available on the CNA website and will provide additional insight into the results.
The call is available to the media, but questions will be restricted to investors and the professional investment community. An online replay will be available on CNA's website following the call. Financial supplement information related to the results is available on the investor relations pages of the CNA website or by contacting investor.relations@cna.com.
Definition of Reported Segments
•Specialty provides management and professional liability and other coverages through property and casualty products and services using a network of brokers, independent agencies and managing general underwriters.
•Commercial works with a network of brokers and independent agents to market a broad range of property and casualty insurance products and services to small, middle-market and large businesses.
•International underwrites property and casualty coverages on a global basis through two insurance companies based in the U.K. and Luxembourg, a branch operation in Canada as well as through our Lloyd's Syndicate.
•Life & Group primarily includes the results of the individual and group long term care businesses that are in run off.
•Corporate & Other primarily includes certain corporate expenses, including interest on corporate debt, and the results of certain property and casualty business in run-off, including CNA Re and asbestos and environmental pollution (A&EP).
Financial Measures
Management utilizes the following metrics in their evaluation of the Property & Casualty Operations. These ratios are calculated using financial results prepared in accordance with accounting principles generally accepted in the United States of America (GAAP).
•Loss ratio is the percentage of net incurred claim and claim adjustment expenses to net earned premiums.
•Underlying loss ratio represents the loss ratio excluding catastrophes and development.
•Expense ratio is the percentage of insurance underwriting and acquisition expenses, including the amortization of deferred acquisition costs, to net earned premiums.
•Dividend ratio is the ratio of policyholders' dividends incurred to net earned premiums.
•Combined ratio is the sum of the loss, expense and dividend ratios.
•Underlying combined ratio is the sum of the underlying loss, expense and dividend ratios.
•Renewal premium change represents the estimated change in average premium on policies that renew, including rate and exposure changes.
•Rate represents the average change in price on policies that renew excluding exposure change. For certain products within Small Business, where quantifiable, rate includes the influence of new business as well.
•Retention represents the percentage of premium dollars renewed in comparison to the expiring premium dollars from policies available to renew.
•New business represents premiums from policies written with new customers and additional policies written with existing customers.
Gross written premiums ex. 3rd party captives represents gross written premiums excluding business which is ceded to third party captives, including business related to large warranty programs.
The Company's investment portfolio is monitored by management through analysis of various factors including unrealized gains and losses on securities, portfolio duration and exposure to market and credit risk.
8

Reconciliation of GAAP Measures to Non-GAAP Measures
This press release also contains financial measures that are not in accordance with GAAP.  Management utilizes these financial measures to monitor the Company's insurance operations and investment portfolio. The Company believes the presentation of these measures provides investors with a better understanding of the significant factors that comprise the Company's operating performance. Reconciliations of these measures to the most comparable GAAP measures follow below.
Reconciliation of Net Income (Loss) to Core Income (Loss)
Core income (loss) is calculated by excluding from net income (loss) the after-tax effects of net investment gains or losses and any cumulative effects of changes in accounting guidance. The calculation of core income (loss) excludes net investment gains or losses because net investment gains or losses are generally driven by economic factors that are not necessarily reflective of our primary operations. Management monitors core income (loss) for each business segment to assess segment performance. Presentation of consolidated core income (loss) is deemed to be a non-GAAP financial measure.
Results for the Three Months Ended December 31Results for the Year Ended December 31
($ millions)2020201920202019
Net income$387 $273 $690 $1,000 
Less: Net investment gains (losses)52 8 (45)21 
Core income$335 $265 $735 $979 
Reconciliation of Net Income (Loss) per Diluted Share to Core Income (Loss) per Diluted Share
Core income (loss) per diluted share provides management and investors with a valuable measure of the Company's operating performance for the same reasons applicable to its underlying measure, core income (loss). Core income (loss) per diluted share is core income (loss) on a per diluted share basis.
Results for the Three Months Ended December 31Results for the Year Ended December 31
2020201920202019
Net income per diluted share$1.42 $1.00 $2.53 $3.67 
Less: Net investment gains (losses) 0.19 0.03 (0.17)0.08 
Core income per diluted share$1.23 $0.97 $2.70 $3.59 
Reconciliation of Book Value per Share to Book Value per Share Excluding AOCI
Book value per share excluding AOCI allows management and investors to analyze the amount of the Company's net worth primarily attributable to the Company's business operations. The Company believes this measurement is useful as it reduces the effect of items that can fluctuate significantly from period to period, primarily based on changes in interest rates.
December 31, 2020December 31, 2019
Book value per share$46.82 $45.00 
Less: Per share impact of AOCI2.96 0.19 
Book value per share excluding AOCI$43.86 $44.81 
9

Calculation of Return on Equity and Core Return on Equity
Core return on equity provides management and investors with a measure of how effectively the Company is investing the portion of the Company's net worth that is primarily attributable to its business operations.
Results for the Three Months Ended December 31Results for the Year Ended December 31
($ millions)2020201920202019
Annualized net income$1,546 $1,090 $690 $1,000 
Average stockholders' equity including AOCI (a)
12,364 12,169 12,461 11,716 
Return on equity12.5 %9.0 %5.5 %8.5 %
Annualized core income$1,340 $1,060 $735 $979 
Average stockholders' equity excluding AOCI (a)
11,757 12,073 12,033 12,129 
Core return on equity11.4 %8.8 %6.1 %8.1 %
(a)Average stockholders' equity is calculated using a simple average of the beginning and ending balances for the period.
For additional information, please refer to CNA's most recent 10-K on file with the Securities and Exchange Commission, as well as the financial supplement, available at www.cna.com.
Forward-Looking Statements
This press release includes statements that relate to anticipated future events (forward-looking statements) rather than actual present conditions or historical events. These statements are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 and generally include words such as “believes,” “expects,” “intends,” “anticipates,” “estimates” and similar expressions. Forward-looking statements, by their nature, are subject to a variety of inherent risks and uncertainties that could cause actual results to differ materially from the results projected. Many of these risks and uncertainties cannot be controlled by CNA. For a detailed description of these risks and uncertainties please refer to CNA’s filings with the Securities and Exchange Commission, available at www.cna.com.
Any forward-looking statements made in this press release are made by CNA as of the date of this press release. Further, CNA does not have any obligation to update or revise any forward-looking statement contained in this press release, even if CNA’s expectations or any related events, conditions or circumstances change.
Any descriptions of coverage under CNA policies or programs in this press release are provided for convenience only and are not to be relied upon with respect to questions of coverage, exclusions or limitations. With regard to all such matters, the terms and provisions of relevant insurance policies are primary and controlling. In addition, please note that all coverages may not be available in all states.
“CNA" is a registered trademark of CNA Financial Corporation. Certain CNA Financial Corporation subsidiaries use the "CNA" trademark in connection with insurance underwriting and claims activities. Copyright © 2021 CNA. All rights reserved.

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10
 EX-99.2 3 q4-20exhibit992.htm EX-99.2 Document



cnalogoq420191.gif




CNA Financial Corporation
Supplemental Financial Information


December 31, 2020



This report is for informational purposes only and includes consolidated financial statements and financial exhibits that are unaudited. This report should be read in conjunction with documents filed with the U.S. Securities and Exchange Commission, including the most recent Annual Report on Form 10-K and Quarterly Reports on Form 10-Q.


Table of Contents



Statements of Operations
Periods ended December 31Three MonthsTwelve Months
(In millions)20202019Change20202019Change
Revenues:
Net earned premiums$1,977$1,9113 %$7,649$7,4283 %
Net investment income5555452 1,9352,118(9)
Net investment gains (losses)669(54)29
Non-insurance warranty revenue3263031,2521,161
Other revenues792631

Total revenues2,931 2,777 6 10,808 10,767 — 
Claims, Benefits and Expenses:
Insurance claims and policyholders' benefits1,4871,4836,1705,806
Amortization of deferred acquisition costs3643581,4101,383
Non-insurance warranty expense3002811,1591,082
Other operating expenses2742891,1261,142
Interest2831122131
Total claims, benefits and expenses2,453 2,442 — 9,987 9,544 (5)
Income (loss) before income tax478 335 821 1,223 
Income tax (expense) benefit(91)(62)(131)(223)
Net income (loss)$387 $273 42 %$690 $1,000 (31)%
1



Components of Income (Loss), Per Share Data and Return on Equity
Periods ended December 31Three MonthsTwelve Months
(In millions, except per share data)2020201920202019
Components of Income (Loss)
Core income (loss)$335 $265 $735 $979 
Net investment gains (losses)52 8 (45)21 
Net income (loss)$387 $273 $690 $1,000 
Diluted Earnings (Loss) Per Common Share
Core income (loss)$1.23 $0.97 $2.70 $3.59 
Net investment gains (losses)0.19 0.03 (0.17)0.08 
Diluted earnings (loss) per share$1.42 $1.00 $2.53 $3.67 
Weighted Average Outstanding Common Stock and Common Stock Equivalents
Basic271.7 271.5 271.6 271.6 
Diluted272.6 272.6 272.4 272.5 
Return on Equity
Net income (loss) (1)
12.5 %9.0 %5.5 %8.5 %
Core income (loss) (2)
11.4 8.8 6.1 8.1 
(1) Annualized net income (loss) divided by the average stockholders' equity including accumulated other comprehensive income (loss) (AOCI) for the period. Average equity including AOCI is calculated using a simple average of the beginning and ending balances for the period.
(2) Annualized core income (loss) divided by the average stockholders' equity excluding AOCI for the period. Average equity excluding AOCI is calculated using a simple average of the beginning and ending balances for the period.

2



Selected Balance Sheet Data and Statement of Cash Flows Data
(In millions, except per share data)December 31, 2020December 31, 2019
Total investments$50,293 $47,744 
Reinsurance receivables, net of allowance for uncollectible receivables4,457 4,179 
Total assets64,026 60,612 
Insurance reserves41,143 38,614 
Debt2,776 2,679 
Total liabilities51,319 48,397 
Accumulated other comprehensive income (loss) (1)
803 51 
Total stockholders' equity12,707 12,215 
Book value per common share$46.82 $45.00 
Book value per common share excluding AOCI$43.86 $44.81 
Outstanding shares of common stock (in millions of shares)271.4 271.4 
Statutory capital and surplus - Combined Continental Casualty Companies (2)
$10,708 $10,787 
Three months ended December 3120202019
Net cash flows provided (used) by operating activities$367 $160 
Net cash flows provided (used) by investing activities(298)(165)
Net cash flows provided (used) by financing activities(101)(101)
Net cash flows provided (used) by operating, investing and financing activities$(32)$(106)
Twelve months ended December 3120202019
Net cash flows provided (used) by operating activities$1,775 $1,140 
Net cash flows provided (used) by investing activities(705)(225)
Net cash flows provided (used) by financing activities(902)(988)
Net cash flows provided (used) by operating, investing and financing activities$168 $(73)
(1) As of December 31, 2020 and 2019, the net unrealized gains on investments included in AOCI were net of after-tax Shadow Adjustments of $2,773 million and $2,198 million. To the extent that unrealized gains on fixed income securities supporting certain products within the Life & Group segment would result in a premium deficiency if realized, an increase in Insurance reserves are recorded, net of tax, as a reduction of net unrealized gains through Other comprehensive income (loss) (Shadow Adjustments).
(2) Statutory capital and surplus as of December 31, 2020 is preliminary.
3



Property & Casualty - Results of Operations
Periods ended December 31Three MonthsTwelve Months
(In millions)20202019Change20202019Change
Gross written premiums$3,143 $2,851 10 %$12,399 $11,704 6 %
Gross written premiums ex. 3rd party captives
2,169 1,892 15 8,422 7,735 9 
Net written premiums1,952 1,746 12 7,566 7,134 6 
Net earned premiums1,853 1,780 4 7,146 6,909 3 
Net investment income324 336 1,072 1,273 
Non-insurance warranty revenue326 303 1,252 1,161 
Other revenues7 9 26 30 
Total operating revenues2,510 2,428 3 9,496 9,373 1 
Insurance claims and policyholders' benefits1,138 1,102 4,878 4,372 
Amortization of deferred acquisition costs364 358 1,410 1,383 
Non-insurance warranty expense300 281 1,159 1,082 
Other insurance related expenses229 244 921 927 
Other expenses11 10 77 88 
Total claims, benefits and expenses2,042 1,995 (2)8,445 7,852 (8)
Core income (loss) before income tax468 433 1,051 1,521 
Income tax (expense) benefit on core income (loss)(99)(96)(217)(331)
Core income (loss)$369 $337 9 %$834 $1,190 (30)%
Other Performance Metrics
Underwriting gain (loss)$122 $76 61 %$(63)$227 (128)%
Loss & LAE ratio61.3 %61.6 %0.3 pts68.0 %62.9 %(5.1)pts
Expense ratio32.0 33.7 1.7 32.6 33.5 0.9 
Dividend ratio0.2 0.3 0.1 0.3 0.3 — 
Combined ratio93.5 %95.6 %2.1 pts100.9 %96.7 %(4.2)pts
Combined ratio excluding catastrophes and development92.7 %94.9 %2.2 pts93.1 %94.8 %1.7 pts
Net accident year catastrophe losses incurred$14 $51 $550 $179 
Effect on loss & LAE ratio0.8 %2.9 %2.1 pts7.7 %2.6 %(5.1)pts
Net prior year development and other: (favorable) / unfavorable$5 $(37)$11 $(44)
Effect on loss & LAE ratio— %(2.2)%(2.2)pts0.1 %(0.7)%(0.8)pts
Rate12 %7 %5 pts11 %5 %6 pts
Renewal premium change11 %8 %3 pts10 %6 %4 pts
Retention85 %84 %1 pts83 %84 %(1)pts
New business $372 $319 17 %$1,395 $1,322 6 %

4



Specialty - Results of Operations
Periods ended December 31Three MonthsTwelve Months
(In millions)20202019Change20202019Change
Gross written premiums$1,849 $1,709 8 %$7,180 $6,900 4 %
Gross written premiums ex. 3rd party captives
883 752 17 3,296 3,015 9 
Net written premiums809 705 15 3,040 2,848 7 
Net earned premiums759 712 7 2,883 2,773 4 
Net investment income134 146 449 556 
Non-insurance warranty revenue326 303 1,252 1,161 
Other revenues— — 1 1 
Total operating revenues1,219 1,161 5 4,585 4,491 2 
Insurance claims and policyholders' benefits447 398 1,795 1,600 
Amortization of deferred acquisition costs159 156 621 610 
Non-insurance warranty expense300 281 1,159 1,082 
Other insurance related expenses72 75 280 292 
Other expenses13 11 50 48 
Total claims, benefits and expenses991 921 (8)3,905 3,632 (8)
Core income (loss) before income tax228 240 680 859 
Income tax (expense) benefit on core income (loss)(47)(52)(145)(188)
Core income (loss)$181 $188 (4)%$535 $671 (20)%
Other Performance Metrics
Underwriting gain (loss)$81 $83 (2)%$187 $271 (31)%
Loss & LAE ratio58.8 %55.6 %(3.2)pts62.1 %57.5 %(4.6)pts
Expense ratio30.4 32.4 2.0 31.3 32.5 1.2 
Dividend ratio0.2 0.2 — 0.1 0.2 0.1 
Combined ratio89.4 %88.2 %(1.2)pts93.5 %90.2 %(3.3)pts
Combined ratio excluding catastrophes and development90.6 %93.3 %2.7 pts91.3 %93.0 %1.7 pts
Net accident year catastrophe losses incurred$5 $(1)$125 $15 
Effect on loss & LAE ratio0.7 %(0.2)%(0.9)pts4.3 %0.5 %(3.8)pts
Net prior year development and other: (favorable) / unfavorable$(14)$(34)$(59)$(92)
Effect on loss & LAE ratio(1.9)%(4.9)%(3.0)pts(2.1)%(3.3)%(1.2)pts
Rate13 %8 %5 pts12 %5 %7 pts
Renewal premium change12 %10 %2 pts11 %8 %3 pts
Retention86 %85 %1 pts86 %88 %(2)pts
New business$114 $93 23 %$389 $367 6 %
5



Commercial - Results of Operations
Periods ended December 31Three MonthsTwelve Months
(In millions)20202019Change20202019Change
Gross written premiums$983 $868 13 %$4,086 $3,693 11 %
Gross written premiums ex. 3rd party captives
975 867 13 3,993 3,609 11 
Net written premiums862 779 11 3,565 3,315 8 
Net earned premiums853 823 4 3,323 3,162 5 
Net investment income176 174 565 654 
Other revenues7 9 25 29 
Total operating revenues1,036 1,006 3 3,913 3,845 2 
Insurance claims and policyholders' benefits542 552 2,454 2,148 
Amortization of deferred acquisition costs151 146 592 537 
Other insurance related expenses127 133 505 505 
Other expenses8 5 34 32 
Total claims, benefits and expenses828 836 1 3,585 3,222 (11)
Core income (loss) before income tax208 170 328 623 
Income tax (expense) benefit on core income (loss)(43)(37)(67)(134)
Core income (loss)$165 $133 24 %$261 $489 (47)%
Other Performance Metrics
Underwriting gain (loss)$33 $(8)N/M%$(228)$(28)N/M%
Loss & LAE ratio63.3 %66.6 %3.3 pts73.4 %67.3 %(6.1)pts
Expense ratio32.7 33.6 0.9 33.0 32.9 (0.1)
Dividend ratio0.2 0.4 0.2 0.5 0.6 0.1 
Combined ratio96.2 %100.6 %4.4 pts106.9 %100.8 %(6.1)pts
Combined ratio excluding catastrophes and development 94.0 %95.4 %1.4 pts94.1 %95.2 %1.1 pts
Net accident year catastrophe losses incurred$4 $52 $358 $154 
Effect on loss & LAE ratio0.5 %6.5 %6.0 pts10.7 %4.9 %(5.8)pts
Net prior year development and other: (favorable) / unfavorable$19 $(9)$73 $28 
Effect on loss & LAE ratio1.7 %(1.3)%(3.0)pts2.1 %0.7 %(1.4)pts
Rate10 %5 %5 pts10 %4 %6 pts
Renewal premium change8 %6 %2 pts8 %6 %2 pts
Retention85 %87 %(2)pts84 %86 %(2)pts
New business$197 $161 22 %$761 $682 12 %
6



International - Results of Operations
Periods ended December 31Three MonthsTwelve Months
(In millions)20202019Change20202019Change
Gross written premiums$311 $274 14 %$1,133 $1,111 2 %
Net written premiums281 262 7 961 971 (1)
Net earned premiums241 245 (2)940 974 (3)
Net investment income14 16 58 63 
Other revenues— — — — 
Total operating revenues255 261 (2)998 1,037 (4)
Insurance claims and policyholders' benefits149 152 629 624 
Amortization of deferred acquisition costs54 56 197 236 
Other insurance related expenses30 36 136 130 
Other expenses(10)(6)(7)8 
Total claims, benefits and expenses223 238 6 955 998 4 
Core income (loss) before income tax32 23 43 39 
Income tax (expense) benefit on core income (loss)(9)(7)(5)(9)
Core income (loss)$23 $16 44 %$38 $30 27 %
Other Performance Metrics
Underwriting gain (loss)$8 $1 N/M%$(22)$(16)(38)%
Loss & LAE ratio61.9 %62.3 %0.4 pts66.9 %64.1 %(2.8)pts
Expense ratio35.0 38.0 3.0 35.5 37.7 2.2 
Dividend ratio— — — — — — 
Combined ratio96.9 %100.3 %3.4 pts102.4 %101.8 %(0.6)pts
Combined ratio excluding catastrophes and development95.1 %97.7 %2.6 pts95.6 %98.6 %3.0 pts
Net accident year catastrophe losses incurred$5 $— $67 $10 
Effect on loss & LAE ratio2.1 %— %(2.1)pts7.1 %1.1 %(6.0)pts
Net prior year development and other: (favorable) / unfavorable$— $6 $(3)$20 
Effect on loss & LAE ratio(0.3)%2.6 %2.9 pts(0.3)%2.1 %2.4 pts
Rate18 %13 %5 pts14 %8 %6 pts
Renewal premium change16 %14 %2 pts12 %7 %5 pts
Retention81 %72 %9 pts73 %71 %2 pts
New business $61 $65 (6)%$245 $273 (10)%
7



Life & Group - Results of Operations
Periods ended December 31Three MonthsTwelve Months
(In millions)2020201920202019
Net earned premiums$124 $130 $504 $520 
Net investment income229 204 851 820 
Other revenues— — — — 
Total operating revenues353 334 1,355 1,340 
Insurance claims and policyholders' benefits303 323 1,286 1,416 
Other insurance related expenses30 28 109 115 
Other expenses1 3 7 8 
Total claims, benefits and expenses334 354 1,402 1,539 
Core income (loss) before income tax19 (20)(47)(199)
Income tax (expense) benefit on core income (loss)7 16 56 90 
Core income (loss)$26 $(4)$9 $(109)

8



Corporate & Other - Results of Operations
Periods ended December 31Three MonthsTwelve Months
(In millions)2020201920202019
Net earned premiums$— $1 $(1)$(1)
Net investment income2 5 12 25 
Other revenues— — — 1 
Total operating revenues2 6 11 25 
Insurance claims and policyholders' benefits46 58 6 18 
Other insurance related expenses— — (2)(4)
Other expenses31 35 136 139 
Total claims, benefits and expenses77 93 140 153 
Core income (loss) before income tax(75)(87)(129)(128)
Income tax (expense) benefit on core income (loss)15 19 21 26 
Core income (loss)$(60)$(68)$(108)$(102)

9



Investment Summary - Consolidated
December 31, 2020September 30, 2020December 31, 2019
(In millions)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)
Fixed maturity securities:
Corporate and other bonds$24,352 $3,556 $23,665 $2,958 $22,069 $2,260 
States, municipalities and political subdivisions:
Tax-exempt8,4991,3118,3351,2287,8041,155
Taxable3,0935522,8895372,848404
Total states, municipalities and political subdivisions11,592 1,863 11,224 1,765 10,652 1,559 
Asset-backed:
RMBS3,587 145 3,948 152 4,519 132 
CMBS1,967 51 2,050 15 2,346 81 
Other ABS2,251 72 2,154 57 1,962 37 
Total asset-backed7,805 268 8,152 224 8,827 250 
U.S. Treasury and obligations of government-sponsored enterprises338 (1)350 3 145 (1)
Foreign government544 32 510 29 504 13 
Redeemable preferred stock— — — — 10 — 
Total fixed maturity securities44,631 5,718 43,901 4,979 42,207 4,081 
Equities:
Common stock195 — 173 — 142 — 
Non-redeemable preferred stock797 — 746 — 723 — 
Total equities992 — 919 — 865 — 
Limited partnership investments1,619 — 1,567 — 1,752 — 
Other invested assets76 — 69 — 65 — 
Mortgage loans1,068 — 1,088 — 994 — 
Short term investments1,907 — 1,462 — 1,861 — 
Total investments$50,293 $5,718 $49,006 $4,979 $47,744 $4,081 
Net receivable/(payable) on investment activity$22 $(1)$37 
Effective duration (in years)6.36.3 6.0
Weighted average rating AAA
RMBS - Residential mortgage-backed securities
CMBS - Commercial mortgage-backed securities
Other ABS - Other asset-backed securities
10



Investment Summary - Property & Casualty and Corporate & Other
December 31, 2020September 30, 2020December 31, 2019
(In millions)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)
Fixed maturity securities:
Corporate and other bonds$15,560 $1,348 $14,918 $1,081 $13,925 $738 
States, municipalities and political subdivisions:
Tax-exempt1,7111141,3086664637
Taxable1,2861101,025971,07771
Total states, municipalities and political subdivisions2,997 224 2,333 163 1,723 108 
Asset-backed:
RMBS3,507 140 3,862 147 4,441 128 
CMBS1,879 46 1,961 12 2,264 77 
Other ABS2,056 52 1,971 33 1,842 29 
Total asset-backed7,442 238 7,794 192 8,547 234 
U.S. Treasury and obligations of government-sponsored enterprises327 (1)342 3 143 (1)
Foreign government529 29 496 27 498 12 
Redeemable preferred stock— — — — 5 — 
Total fixed maturity securities26,855 1,838 25,883 1,466 24,841 1,091 
Equities:
Common stock195 — 173 — 142 — 
Non-redeemable preferred stock202 — 175 — 181 — 
Total equities397 — 348 — 323 — 
Limited partnership investments896 — 1,567 — 1,752 — 
Other invested assets76 — 69 — 65 — 
Mortgage loans782 — 792 — 715 — 
Short term investments1,772 — 1,420 — 1,774 — 
Total investments$30,778 $1,838 $30,079 $1,466 $29,470 $1,091 
Net receivable/(payable) on investment activity$10 $(70)$17 
Effective duration (in years)4.54.5 4.1
Weighted average ratingAAA-
11



Investment Summary - Life & Group
December 31, 2020September 30, 2020December 31, 2019
(In millions)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)
Fixed maturity securities:
Corporate and other bonds$8,792 $2,208 $8,747 $1,877 $8,144 $1,522 
States, municipalities and political subdivisions:
Tax-exempt6,7881,1977,0271,1627,1581,118
Taxable1,8074421,8644401,771333
Total states, municipalities and political subdivisions8,595 1,639 8,891 1,602 8,929 1,451 
Asset-backed:
RMBS80 5 86 5 78 4 
CMBS88 5 89 3 82 4 
Other ABS195 20 183 24 120 8 
Total asset-backed363 30 358 32 280 16 
U.S. Treasury and obligations of government-sponsored enterprises11 — 8 — 2 — 
Foreign government15 3 14 2 6 1 
Redeemable preferred stock— — — — 5 — 
Total fixed maturity securities17,776 3,880 18,018 3,513 17,366 2,990 
Equities:
Common stock— — — — — — 
Non-redeemable preferred stock595 — 571 — 542 — 
Total equities595 — 571 — 542 — 
Limited partnership investments723 — — — — — 
Other invested assets— — — — — — 
Mortgage loans286 — 296 — 279 — 
Short term investments135 — 42 — 87 — 
Total investments$19,515 $3,880 $18,927 $3,513 $18,274 $2,990 
Net receivable/(payable) on investment activity$12 $69 $20 
Effective duration (in years)9.29.0 8.9
Weighted average ratingAAA
12



Investments - Fixed Maturity Securities by Credit Rating
December 31, 2020U.S. Government, Government agencies and Government-sponsored enterprisesAAAAAABBBNon-investment gradeTotal
(In millions)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)
Corporate and other bonds$— $— $53 $1 $527 $60 $5,256 $855 $16,257 $2,502 $2,259 $138 $24,352 $3,556 
States, municipalities and political subdivisions— — 3,024 426 5,512 886 2,704 493 337 57 15 1 11,592 1,863 
Asset-backed:
RMBS3,308 118 4 — 22 1 74 6 11 1 168 19 3,587 145 
CMBS26 — 331 20 714 48 264 2 478 (10)154 (9)1,967 51 
Other ABS— — 62 2 110 2 1,157 25 895 43 27 — 2,251 72 
Total asset-backed3,334 118 397 22 846 51 1,495 33 1,384 34 349 10 7,805 268 
U.S. Treasury and obligations of government-sponsored enterprises338 (1)— — — — — — — — — — 338 (1)
Foreign government— — 153 5 274 15 88 9 29 3 — — 544 32 
Redeemable preferred stock— — — — — — — — — — — — — — 
Total fixed maturity securities$3,672 $117 $3,627 $454 $7,159 $1,012 $9,543 $1,390 $18,007 $2,596 $2,623 $149 $44,631 $5,718 
Percentage of total fixed maturity securities8 %8 %16 %22 %40 %6 %100 %
13



Components of Net Investment Income
Consolidated
Periods ended December 31Three MonthsTwelve Months
(In millions)2020201920202019
Taxable fixed income securities$357 $387 $1,451 $1,538 
Tax-exempt fixed income securities81 77 319 318 
Total fixed income securities 438 464 1,770 1,856 
Limited partnership and common stock investments114 69 144 226 
Other, net of investment expense3 12 21 36 
Net investment income$555 $545 $1,935 $2,118 
Effective income yield for fixed income securities portfolio4.4 %4.7 %4.5 %4.8 %
Limited partnership and common stock return6.5 3.7 8.3 11.7 
Property & Casualty and Corporate & Other
Periods ended December 31Three MonthsTwelve Months
(In millions)2020201920202019
Taxable fixed income securities$221 $255 $904 $1,010 
Tax-exempt fixed income securities12 5 34 22 
Total fixed income securities 233 260 938 1,032 
Limited partnership and common stock investments89 69 119 226 
Other, net of investment expense4 12 27 40 
Net investment income$326 $341 $1,084 $1,298 
Effective income yield for fixed income securities portfolio3.7 %4.3 %3.9 %4.3 %
Life & Group
Periods ended December 31Three MonthsTwelve Months
(In millions)2020201920202019
Taxable fixed income securities$136 $132 $547 $528 
Tax-exempt fixed income securities69 72 285 296 
Total fixed income securities 205 204 832 824 
Limited partnership and common stock investments25 — 25 — 
Other, net of investment expense(1)— (6)(4)
Net investment income$229 $204 $851 $820 
Effective income yield for fixed income securities portfolio5.5 %5.5 %5.6 %5.6 %
14



Claim & Claim Adjustment Expense Reserve Rollforward
Three months ended December 31, 2020
(In millions)

Specialty
Commercial		InternationalP&C OperationsLife & Group Corporate & Other Total Operations
Claim & claim adjustment expense reserves, beginning of period
Gross$5,698 $9,054 $1,975 $16,727 $3,766 $2,041 $22,534 
Ceded822 857 260 1,939 137 1,875 3,951 
Net4,876 8,197 1,715 14,788 3,629 166 18,583 
Net incurred claim & claim adjustment expenses446 539 150 1,135 221 1 1,357 
Net claim & claim adjustment expense payments(424)(535)(112)(1,071)(247)(5)(1,323)
Foreign currency translation adjustment and other— 3 69 72 12 — 84 
Claim & claim adjustment expense reserves, end of period
Net4,898 8,204 1,822 14,924 3,615 162 18,701 
Ceded850 837 269 1,956 128 1,921 4,005 
Gross$5,748 $9,041 $2,091 $16,880 $3,743 $2,083 $22,706 
Twelve months ended December 31, 2020
(In millions)

Specialty		 
Commercial		InternationalP&C OperationsLife & Group Corporate & Other Total Operations
Claim & claim adjustment expense reserves, beginning of period
Gross$5,238 $8,656 $1,876 $15,770 $3,716 $2,234 $21,720 
Ceded562 807 248 1,617 159 2,059 3,835 
Net4,676 7,849 1,628 14,153 3,557 175 17,885 
Net incurred claim & claim adjustment expenses1,792 2,437 630 4,859 994 4 5,857 
Net claim & claim adjustment expense payments(1,571)(2,086)(504)(4,161)(986)(17)(5,164)
Foreign currency translation adjustment and other1 4 68 73 50 — 123 
Claim & claim adjustment expense reserves, end of period
Net4,898 8,204 1,822 14,924 3,615 162 18,701 
Ceded850 837 269 1,956 128 1,921 4,005 
Gross$5,748 $9,041 $2,091 $16,880 $3,743 $2,083 $22,706 
15



Life & Group Policyholder Reserves
December 31, 2020
(In millions)Claim and claim adjustment expensesFuture policy benefitsTotal
Long term care$2,844 $9,762 $12,606 
Structured settlement annuities543— 543 
Other10— 10 
Total 3,397 9,762 13,159 
Shadow adjustments2183,293 3,511 
Ceded reserves128263 391 
Total gross reserves$3,743 $13,318 17,061 
December 31, 2019
(In millions)Claim and claim adjustment expensesFuture policy benefitsTotal
Long term care$2,863 $9,470 $12,333 
Structured settlement annuities515— 515 
Other12— 12 
Total 3,390 9,470 12,860 
Shadow adjustments 1672,615 2,782 
Ceded reserves159226 385 
Total gross reserves$3,716 $12,311 $16,027 
16



Definitions and Presentation
•Collectively, CNA Financial Corporation (CNAF) and its subsidiaries are referred to as CNA or the Company.
•P&C Operations includes Specialty, Commercial and International.
•Life & Group segment primarily includes the results of long term care businesses that are in run-off.
•Corporate & Other segment primarily includes certain corporate expenses including interest on corporate debt and the results of certain property and casualty business in run-off, including CNA Re and asbestos and environmental pollution. Intersegment eliminations are also included in this segment.
•Management uses the core income (loss) financial measure to monitor the Company’s operations. Please refer to Note O to the Consolidated Financial Statements within the December 31, 2020 Form 10-K for further discussion of this non-GAAP financial measure.
•Management uses underwriting results to monitor insurance operations. Underwriting results are pretax and are calculated as net earned premiums less total insurance expenses, which includes insurance claims and policyholders' benefits, amortization of deferred acquisition costs and other insurance related expenses.
•In the evaluation of the results of Specialty, Commercial and International, management uses the loss ratio, the expense ratio, the dividend ratio and the combined ratio. These ratios are calculated using financial results prepared in accordance with accounting principles generally accepted in the United States of America. The loss ratio is the percentage of net incurred claim and claim adjustment expenses to net earned premiums. The expense ratio is the percentage of insurance underwriting and acquisition expenses, including the amortization of deferred acquisition costs, to net earned premiums. The dividend ratio is the ratio of policyholders' dividends incurred to net earned premiums. The combined ratio is the sum of the loss, expense and dividend ratios. In addition, management also utilizes renewal premium change, rate, retention and new business in evaluating operating trends. Renewal premium change represents the estimated change in average premium on policies that renew, including rate and exposure changes. Rate represents the average change in price on policies that renew excluding exposure change. For certain products within Small Business, where quantifiable, rate includes the influence of new business as well. Exposure represents the measure of risk used in the pricing of the insurance product. Retention represents the percentage of premium dollars renewed in comparison to the expiring premium dollars from policies available to renew. Rate, renewal premium change and retention presented for the prior year is updated to reflect subsequent activity on policies written in the period. New business represents premiums from policies written with new customers and additional policies written with existing customers.
•This financial supplement may also reference or contain financial measures that are not in accordance with GAAP. Management utilizes these financial measures to monitor the Company's insurance operations and investment portfolio. Core income, which is derived from certain income statement amounts, is used by management to monitor performance of the Company's insurance operations. The Company's investment portfolio is monitored by management through analysis of various factors including unrealized gains and losses on securities, portfolio duration and exposure to market and credit risk.
17



•Core income (loss) is calculated by excluding from net income (loss) the after-tax effects of net investment gains or losses and any cumulative effects of changes in accounting guidance. The calculation of core income (loss) excludes net investment gains or losses because net investment gains or losses are generally driven by economic factors that are not necessarily reflective of our primary operations. Management monitors core income (loss) for each business segment to assess segment performance. Presentation of consolidated core income (loss) is deemed to be a non-GAAP financial measure. For reconciliations of non-GAAP measures to the most comparable GAAP measures and other information, please refer herein and/or to CNA's most recent 10-K on file with the Securities and Exchange Commission, as well as the press release, available at www.cna.com.
•Gross written premiums ex. 3rd party captives represents gross written premiums excluding business which is ceded to third party captives, including business related to large warranty programs.
•Pretax net prior year development and other includes the effects of interest accretion and change in allowance for uncollectible reinsurance and deductible amounts.
•Net investment income from fixed income securities, as presented, includes both fixed maturity securities and non-redeemable preferred stock.
•Certain immaterial differences are due to rounding.
•N/M = Not Meaningful

18


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Feb. 08, 2021
Entity Information [Line Items]  
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Security Exchange Name NYSE
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Title of 12(b) Security Common Stock, Par value $2.50
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