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): July 23, 2004
The St. Paul Travelers Companies, Inc.
(Exact name of registrant as specified in its charter)
Minnesota 001-10898 41-0518860
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(State or other jurisdiction of (Commission File Number) (IRS Employer
incorporation) Identification
Number)
385 Washington Street
Saint Paul, Minnesota 55102
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(Address of principal executive offices) (Zip Code)
(651) 310-7911
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(Registrant's telephone number, including area code)
Not Applicable
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(Former name or former address, if changed since last report)
Item 12. Results of Operations and Financial Condition.
On July 23, 2004, The St. Paul Travelers Companies, Inc. ("St. Paul
Travelers") issued a press release announcing St. Paul Travelers' preliminary
financial results for the quarter ended June 30, 2004. The press release is
furnished as Exhibit 99.1 to this Report and is incorporated by reference in
this Item 12.
In the attached press release, St. Paul Travelers discloses operating income
and operating income per share. These are non-GAAP measures. In the opinion of
St. Paul Travelers' management, these measures are meaningful indicators of
operating results and should be read in conjunction with, and not in lieu of,
earnings and earnings per share on a GAAP basis. In particular, net realized
investment gains or losses are significantly impacted by both discretionary
and other economic factors and are not necessarily indicative of operating
trends. St. Paul Travelers' management uses these measures internally to
evaluate performance against historical standards and established financial
targets on a consolidated basis.
As provided in General Instruction B.6 of Form 8-K, the information contained
in this Item 12 and the exhibit attached as 99.1 to this report shall not be
deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act
of 1934, as amended, nor shall they be deemed to be incorporated by reference
in any filing under the Securities Act of 1933, as amended, except as shall be
expressly set forth by specific reference in such a filing.
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.
Date: July 23, 2004 THE ST. PAUL TRAVELERS COMPANIES, INC.
By: /s/ Bruce A. Backberg
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Name: Bruce A. Backberg
Title: Senior Vice President
EXHIBIT INDEX
Exhibit No. Description
99.1 Press Release dated July 23, 2004, reporting preliminary
financial results