Aegon A&I Conference: Accelerating execution of strategyAegon
Mark Mullin, CEO of Aegon in the Americas provide an update on how Aegon is accelerating the execution of its strategy at the December 2016 Aegon Analyst & Investors Conference in New York.
Aegon published its 1H 2019 financial results on August 15, 2019. In this presentation CEO Alex Wynaendts and CFO Matt Rider outline the key facts and figures for the review period and outline the company's strategy.
Michiel van Katwijk, CFO of Transamerica, provides an update on how Aegon is delivering cash flows & returns in the US, at the December 2016 Aegon Analyst & Investors Conference in New York.
It is clear that among investors there is a widely-held aspiration for more ‘long-term’ investing: investing that is both rewarding and sustainable for the future.
Aegon published its 2Q 2021 financial results on August 12, 2021. In this presentation CEO Lard Friese and CFO Matt Rider outline the key facts and figures for the review period and outline the company's strategy.
Aegon A&I Conference: Accelerating execution of strategyAegon
Mark Mullin, CEO of Aegon in the Americas provide an update on how Aegon is accelerating the execution of its strategy at the December 2016 Aegon Analyst & Investors Conference in New York.
Aegon published its 1H 2019 financial results on August 15, 2019. In this presentation CEO Alex Wynaendts and CFO Matt Rider outline the key facts and figures for the review period and outline the company's strategy.
Michiel van Katwijk, CFO of Transamerica, provides an update on how Aegon is delivering cash flows & returns in the US, at the December 2016 Aegon Analyst & Investors Conference in New York.
It is clear that among investors there is a widely-held aspiration for more ‘long-term’ investing: investing that is both rewarding and sustainable for the future.
Aegon published its 2Q 2021 financial results on August 12, 2021. In this presentation CEO Lard Friese and CFO Matt Rider outline the key facts and figures for the review period and outline the company's strategy.
David Paulsen, President Transamerica Distributors, talks Aegon’s strategy, the US insurance market, Transamerica’s products and services, and answers audience Q&As.
Aegon Americas Strategy Update - September 8, 2014Aegon
Mark Mullin, Aegon Americas CEO, provide analysts with an update on Aegon's performance, strategy, and the challenges and opportunities in the Americas.
Aegon Americas: Sustainably growing capital generationAegon
Helping people achieve lifetime financial security. The document discusses Aegon Americas' strong capital position which supports growth and remittances to the holding company. Key points include:
- The capital position is above target levels despite regulatory changes through active management.
- The long-term care block is actively managed with multiple levers to control profitability and has developed in line with expectations.
- A consistent track record of high remittances to the holding company is expected to continue, supported by sustainable capital generation.
BofAML Financials CEO Conference: Alex Wynaendts presents update on Aegon's p...Aegon
- Alex Wynaendts, CEO of Aegon, outlines priorities for the company including accelerating the shift from spread-based to fee-based businesses, connecting digitally with customers, and expanding guidance and advice capabilities.
- Aegon has transformed its profile by focusing on fee businesses, reducing financial market risk, and maintaining a solid capital position. It aims to improve growth and returns by 2018 through various strategic initiatives.
Aegon's Q1 2016 results were impacted by challenging market conditions according to their CEO. Underlying earnings decreased from the previous quarter to EUR 432 million. Net income declined significantly to EUR 289 million compared to a net loss of EUR 580 million in the prior quarter, due to portfolio optimization efforts. Sales and gross deposits increased compared to the same quarter last year.
Aegon Bank of America Merrill Lynch Financials ConferenceAegon
This document summarizes the CEO of Aegon's presentation at the Bank of America Merrill Lynch Financials Conference on October 1-2, 2014. The CEO discussed how Aegon is well positioned for growth, focusing on capturing opportunities in pension plans, increasing digital capabilities and improving efficiency. Aegon has achieved sales growth while reducing costs and is on track to meet its 2015 targets, positioning it for continued sustainable earnings growth.
Aegon presents its Q4 2014 results, reporting higher earnings and sales for Q4 2014. Proposal to increase final dividend to EUR 0.12 per share. For further detail visit http://www.aegon.com/results
- Alex Wynaendts, CEO of Aegon, outlined the company's priorities to accelerate growth, connect with customers, and deliver value.
- Aegon has transformed its business profile through divesting legacy businesses and growing its fee-based and digital offerings. It aims to broaden customer relationships and expand in asset management.
- The company has a solid capital position and plans to improve growth, returns, and capital returns to shareholders through 2018.
2014 Annual General Meeting (AGM) PresentationAegon
Presentation for Aegon's 2014 AGM on 21 May 2014, including strategic review, update on progress towards financial targets and voting items. For full details of this Annual General Meeting of Shareholders and upcoming meetings visit http://www.aegon.com/agm
Adrian Grace, Aegon UK CEO and Clare Bousfield, Aegon UK CFO provide analysts with an update on Aegon UK's performance, strategy and the challenges and opportunities facing the company.
Update on Aegon's strategy, performance and positioning to maximize future opportunities. Presented by Aegon Investor Relations Officers, Bradley Roberts and Jan Willem Weidema. For further information contact Aegon Investor Relations email: IR@aegon.com or Telephone + 31 70 344 83 05.
Aegon Group Treasurer, Karen Wright provides an investor update on capital, cash and capital deployment, assumptions and sensitivities. For further information visit http://www.aegon.com/investors
Morgan Stanley European Financials Conference (London)Aegon
Aegon CFO, Darryl Button provides an update on Aegon's successful strategy execution. For further information contact Aegon Investor Relations email: IR@aegon.com or Telephone + 31 70 344 83 05.
This document provides an overview of Aegon's strategic priorities and financial targets from 2016-2018. The key points are:
1) Aegon has transformed its business profile since 2010 by focusing on fee businesses, improving its balance sheet, doubling free cash flows, and returning over EUR 1.4 billion in capital to shareholders.
2) Going forward, priorities include broadening customer relationships across their financial lifecycles, expanding in asset management and advice, and improving performance through growth and expense reductions.
3) Financial targets for 2018 include 10% annual sales growth, reducing operating expenses by EUR 200 million, achieving a 10% return on equity, and maintaining a EUR 1-1
Presentation given to investors and media by Aegon CEO, Alex Wynaendts and CFO, Darryl Button, on 14 August 2014. The presentation includes a review of both financial earnings and non-financial results in the second quarter of 2014.
- All financial targets for 2015 have been met by Aegon Netherlands.
- Priorities going forward include simplifying and digitizing products/processes, improving customer experience, optimizing portfolios, reducing expenses by EUR 50 million by 2018, and generating annual cash flows of EUR 250 million.
- Challenges in the changing environment include technological trends, market trends, business model shifts, and evolving customer trends.
Morgan Stanley European Financials Conference March 2014Aegon
The document discusses Aegon's strategy and financial results. Some key points:
- Aegon is focused on executing its strategy to become more customer-centric, which is delivering business growth and increased profitability.
- The company is making progress towards its 2015 targets, including growing underlying earnings by 7-10% annually and increasing operational free cash flow.
- Accounting changes will improve consistency and transparency, and are estimated to have a €2.2-2.5 billion negative impact on shareholders' equity but will reduce leverage over time.
This document discusses North American Palladium's Lac des Iles palladium mine. It provides the following key points:
1) Lac des Iles is one of only two primary palladium mines in the world and is transitioning to a long-life, low-cost operation through a mine expansion project involving sinking a shaft.
2) Production is expected to increase to 145,000-155,000 ounces of palladium in 2011 and exceed 250,000 ounces annually once mining reaches 5,500 tonnes per day from the shaft in 2015.
3) Cash costs are forecast to decline significantly once shaft mining is established, improving the already strong investment case for North American Palladium as a growth-oriented
David Paulsen, President Transamerica Distributors, talks Aegon’s strategy, the US insurance market, Transamerica’s products and services, and answers audience Q&As.
Aegon Americas Strategy Update - September 8, 2014Aegon
Mark Mullin, Aegon Americas CEO, provide analysts with an update on Aegon's performance, strategy, and the challenges and opportunities in the Americas.
Aegon Americas: Sustainably growing capital generationAegon
Helping people achieve lifetime financial security. The document discusses Aegon Americas' strong capital position which supports growth and remittances to the holding company. Key points include:
- The capital position is above target levels despite regulatory changes through active management.
- The long-term care block is actively managed with multiple levers to control profitability and has developed in line with expectations.
- A consistent track record of high remittances to the holding company is expected to continue, supported by sustainable capital generation.
BofAML Financials CEO Conference: Alex Wynaendts presents update on Aegon's p...Aegon
- Alex Wynaendts, CEO of Aegon, outlines priorities for the company including accelerating the shift from spread-based to fee-based businesses, connecting digitally with customers, and expanding guidance and advice capabilities.
- Aegon has transformed its profile by focusing on fee businesses, reducing financial market risk, and maintaining a solid capital position. It aims to improve growth and returns by 2018 through various strategic initiatives.
Aegon's Q1 2016 results were impacted by challenging market conditions according to their CEO. Underlying earnings decreased from the previous quarter to EUR 432 million. Net income declined significantly to EUR 289 million compared to a net loss of EUR 580 million in the prior quarter, due to portfolio optimization efforts. Sales and gross deposits increased compared to the same quarter last year.
Aegon Bank of America Merrill Lynch Financials ConferenceAegon
This document summarizes the CEO of Aegon's presentation at the Bank of America Merrill Lynch Financials Conference on October 1-2, 2014. The CEO discussed how Aegon is well positioned for growth, focusing on capturing opportunities in pension plans, increasing digital capabilities and improving efficiency. Aegon has achieved sales growth while reducing costs and is on track to meet its 2015 targets, positioning it for continued sustainable earnings growth.
Aegon presents its Q4 2014 results, reporting higher earnings and sales for Q4 2014. Proposal to increase final dividend to EUR 0.12 per share. For further detail visit http://www.aegon.com/results
- Alex Wynaendts, CEO of Aegon, outlined the company's priorities to accelerate growth, connect with customers, and deliver value.
- Aegon has transformed its business profile through divesting legacy businesses and growing its fee-based and digital offerings. It aims to broaden customer relationships and expand in asset management.
- The company has a solid capital position and plans to improve growth, returns, and capital returns to shareholders through 2018.
2014 Annual General Meeting (AGM) PresentationAegon
Presentation for Aegon's 2014 AGM on 21 May 2014, including strategic review, update on progress towards financial targets and voting items. For full details of this Annual General Meeting of Shareholders and upcoming meetings visit http://www.aegon.com/agm
Adrian Grace, Aegon UK CEO and Clare Bousfield, Aegon UK CFO provide analysts with an update on Aegon UK's performance, strategy and the challenges and opportunities facing the company.
Update on Aegon's strategy, performance and positioning to maximize future opportunities. Presented by Aegon Investor Relations Officers, Bradley Roberts and Jan Willem Weidema. For further information contact Aegon Investor Relations email: IR@aegon.com or Telephone + 31 70 344 83 05.
Aegon Group Treasurer, Karen Wright provides an investor update on capital, cash and capital deployment, assumptions and sensitivities. For further information visit http://www.aegon.com/investors
Morgan Stanley European Financials Conference (London)Aegon
Aegon CFO, Darryl Button provides an update on Aegon's successful strategy execution. For further information contact Aegon Investor Relations email: IR@aegon.com or Telephone + 31 70 344 83 05.
This document provides an overview of Aegon's strategic priorities and financial targets from 2016-2018. The key points are:
1) Aegon has transformed its business profile since 2010 by focusing on fee businesses, improving its balance sheet, doubling free cash flows, and returning over EUR 1.4 billion in capital to shareholders.
2) Going forward, priorities include broadening customer relationships across their financial lifecycles, expanding in asset management and advice, and improving performance through growth and expense reductions.
3) Financial targets for 2018 include 10% annual sales growth, reducing operating expenses by EUR 200 million, achieving a 10% return on equity, and maintaining a EUR 1-1
Presentation given to investors and media by Aegon CEO, Alex Wynaendts and CFO, Darryl Button, on 14 August 2014. The presentation includes a review of both financial earnings and non-financial results in the second quarter of 2014.
- All financial targets for 2015 have been met by Aegon Netherlands.
- Priorities going forward include simplifying and digitizing products/processes, improving customer experience, optimizing portfolios, reducing expenses by EUR 50 million by 2018, and generating annual cash flows of EUR 250 million.
- Challenges in the changing environment include technological trends, market trends, business model shifts, and evolving customer trends.
Morgan Stanley European Financials Conference March 2014Aegon
The document discusses Aegon's strategy and financial results. Some key points:
- Aegon is focused on executing its strategy to become more customer-centric, which is delivering business growth and increased profitability.
- The company is making progress towards its 2015 targets, including growing underlying earnings by 7-10% annually and increasing operational free cash flow.
- Accounting changes will improve consistency and transparency, and are estimated to have a €2.2-2.5 billion negative impact on shareholders' equity but will reduce leverage over time.
This document discusses North American Palladium's Lac des Iles palladium mine. It provides the following key points:
1) Lac des Iles is one of only two primary palladium mines in the world and is transitioning to a long-life, low-cost operation through a mine expansion project involving sinking a shaft.
2) Production is expected to increase to 145,000-155,000 ounces of palladium in 2011 and exceed 250,000 ounces annually once mining reaches 5,500 tonnes per day from the shaft in 2015.
3) Cash costs are forecast to decline significantly once shaft mining is established, improving the already strong investment case for North American Palladium as a growth-oriented
Investor Presentation: Aegon Bank N.V. Conditional Pass-Through Covered Bond ...Aegon
In October 2015, Aegon Bank established a EUR 5 billion Conditional Pass-Through Covered Bond Programme, secured by prime Dutch residential mortgage loans.
This investor presentation summarizes Cornerstone OnDemand's financial performance and growth strategy to reach $1 billion in revenue. It discusses Cornerstone's established market leadership in talent management software, strong financial results with recurring revenue and high retention rates, and two paths to reach $1 billion by either increasing their market breadth through global expansion and new clients, or increasing client penetration of their existing product suite within the large installed base. The presentation outlines Cornerstone's organic growth, competitive differentiation, and recent acquisition of Evolv to enhance analytics capabilities and accelerate their workforce planning strategy.
Update on Aegon's key markets and business performance, given by Clare Bousfield, CFO of Aegon UK. For further information contact Aegon Investor Relations email: IR@aegon.com or Telephone + 31 70 344 83 05. Or visit www.aegon.com
The document is a presentation from Steve Bennett, President & Chief Executive Officer of NASDAQ OMX International, given on December 4, 2013. It discusses NASDAQ OMX's forward-looking statements and non-GAAP financial measures. The presentation then covers the growth of data and increasing targeted cyber attacks. It outlines Symantec's priorities to deliver over 5% organic revenue growth, over 30% non-GAAP operating margin from 2015-2017 by focusing on offerings, go-to-market strategies, and making processes more efficient.
DNA Energy, Inc. is relaunching its energy drink brand in Q2 2017 with three new natural flavors. The company aims to build shareholder value through distribution expansion and potential acquisitions. It provides an overview of the large and growing US energy drink market, DNA's product specifications and 2017 launch plans for South Florida. It also presents financial projections, management details, proposed offering terms, and use of proceeds to fund the 2017 relaunch.
1) El documento discute la nutrición en condiciones respiratorias como el asma, la bronquitis aguda y la EPOC. 2) Revisa factores de riesgo dietéticos para el asma como la leche de vaca y la introducción temprana de huevos y mariscos. 3) Ofrece recomendaciones dietéticas como reducir la sal, grasas saturadas y alimentos procesados, e incrementar el consumo de grasas saludables, proteínas magras, frutas y verduras.
Csod investor deck first quarter fina lv3ircornerstone
Cornerstone provides a corporate overview and financial results for the first quarter of 2016. It discusses its evolution from 1999 to the present day with over 2,500 clients, 23 million users, and a global footprint. Cornerstone also reviews its market leadership position, strong growth across key metrics, and clear path to profitability. It outlines the large and growing market opportunity in talent management and its strategies to continue expanding globally, penetrating its large installed base, and pursuing new opportunities in extended enterprise solutions and beyond 2016.
Evento - 2º Seminário de Inovações e TedênciasMZ .
A MZ, em parceria com o escritório de advocacia Tauil & Chequer Advogados, promoveu no dia 09 de abril de 2014, o evento "2º seminário de Inovações e Tendências para o Mercado de Capitais", que expôs soluções e tendências para melhorar a comunicação com investidores e analistas, apresentando ferramentas de comunicação digital efetivas para a construção de uma estratégia de comunicação financeira integrada.
Confira a apresentação da Melissa Angelini, sócia do Grupo Attitude.
Csod investor deck third quarter1052015ircornerstone
Cornerstone provides a corporate overview and highlights its evolution over the past 15 years. It discusses the opportunity in the market to address changing work needs. Cornerstone has grown to over 2,000 clients, 22 million users, and a presence in 191 countries. It aims to reach $1 billion in revenue by continuing to innovate and expand across market segments, industries, and within its existing client base.
Csod investor deck first quarter 2015 finalircornerstone
This presentation summarizes Cornerstone OnDemand's second quarter 2015 investor presentation. It discusses Cornerstone's position as a global leader in SaaS talent management with clients in 191 countries. The presentation highlights Cornerstone's best-of-breed product suite and established market leadership according to various analyst reports. It also outlines Cornerstone's growth strategy of increasing both market breadth and client penetration to reach $1 billion in revenue.
Csod investor deck second quarter finalircornerstone
Cornerstone provides a corporate overview and highlights of its second quarter 2016 performance. It discusses its evolution over the past 16 years from 4 employees to over 2,500 clients and 25 million users today. Cornerstone also reviews its strong financial results with continued growth in revenue, bookings, clients, and users. It outlines opportunities for further growth through continued core sales, global expansion, new market segments, industries, and maximizing its large installed base.
Csod investor deck first quarter fina lv2ircornerstone
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Für die empirische Untersuchung „Mittelstandskommunikation 2016 – Studie zur Professionalisierung, Digitalisierung und Führung der Unternehmenskommunikation“ wurden im Frühjahr 2016 insgesamt 561 Unternehmen in Deutschland befragt, darunter 270 Entscheider aus mittelständischen Unternehmen. Die Studie illustriert den Status quo der Kommunikation in konzernunabhängigen Unternehmen mit maximal 499 Mitarbeitern und einem Umsatz von bis zu 50 Mio. Euro. Das Gemeinschaftsprojekt der Universität Leipzig mit Fink & Fuchs und dem Magazin pressesprecher schließt an die Vorgängerstudie von 2015 an.
Unternehmenskommunikation im Mittelstand wird zunehmend professioneller und digitaler. Aber es fehlen nach wie vor oft klare Kommunikations- und Digitalisierungsstrategien, übergreifende Kommunikationsziele und fachkundige Kommunikationsabteilungen. Zudem behindert die kommunikative Zurückhaltung vieler Unternehmer oft die notwendige Weiterentwicklung in Marketing und Public Relations.
Der 89-seitige Ergebnisbericht ist hier verfügbar. Weitere Informationen finden sich unter www.mittelstandskommunikation.com sowie www.communicationmanagement.de in der Rubrik "Mittelstandskommunikation".
This document summarizes a proposed securitization transaction backed by Dutch residential mortgage loans originated and serviced by AEGON Hypotheken. Key details include:
- The transaction would issue EUR-denominated notes to investors, with credit ratings expected to be AAAsf/AAA(sf) for senior notes.
- The mortgage loan collateral consists primarily of fixed-rate, long-term Dutch residential mortgages originated following full documentation underwriting. Approximately 69.4% have an NHG guarantee.
- AEGON Hypotheken would continue to service the loans. Proceeds would be used to fund AEGON's Dutch mortgage lending business.
- The transaction aims to
Mergers And Acquisitions Framework Powerpoint Presentation SlidesSlideTeam
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If you are about to execute an M&A, our Mergers And Acquisitions Framework PowerPoint Presentation Slides can help you to focus on the right things. M&A involves buying selling and combing companies. Business valuation comprehensive PowerPoint deck helps you to present each and every aspect in detail as it contains set of professionally designed template such as key steps, company overview, business, and financial overview, determining new growth market, types of inorganic opportunities, M&A criteria, identify targets, balance sheet KPIs, cash flow statement, financial projections, key financial ratios, liquidity and profitability ratios, activity and solvency ratios, M&A synergy framework, company valuation methodologies, valuation results, business due diligence process, post-merger integration framework, challenges and performance tracker etc. The mergers and acquisitions are crucial as organizations moving towards an expansion. Download incredible M&A strategy PPT slide to save time in delivering an exceptional business presentation. Let nothing disturb your concentration. Our Mergers And Acquisitions Framework Powerpoint Presentation Slides will keep you focused. https://bit.ly/3kIHDjc
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The document outlines the key steps in a mergers and acquisitions (M&A) framework, including understanding business requirements, identifying targets, conducting due diligence, negotiations, integration, and performance monitoring. It discusses determining growth opportunities, setting M&A criteria, assessing strategic and financial fit of targets, valuation, and deal closing. The framework is meant to guide companies through the M&A process from initial planning to post-acquisition monitoring.
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Introducing Inorganic Growth Strategies PowerPoint Presentation Slides. The slides depict the key steps, company overview, business, and financial overview, the requirement for the inorganic opportunity, determining new growth services, etc. The types of inorganic opportunities and criteria to choose from for the target company for mergers and acquisitions can be discussed effectively. The presentation helps to present the balance sheet, cash flow statement, financial projections, key financial ratio, liquidity ratio, profitability ratio, activity ratios, solvency ratios, m&a synergy framework, company valuation methodologies, etc. Determine the free cash flow and valuation results by taking advantage of mergers and acquisitions strategies PPT layouts. Business due diligence process and strategic due diligence methodology can be easily showcased with the help of the PPT slideshow. Easily track the performance of the merger and acquisitions process with this ready-to-use PPT slideshow. Thus download our inorganic growth strategies PPT slide deck to expand your assets and income. https://bit.ly/3yVpF2I
Mergers and Acquisitions Management PowerPoint Presentation Slides SlideTeam
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- The document provides a business update and summary for LinkedIn in September 2013, including key metrics and financial results.
- LinkedIn has experienced strong growth in members, reaching 238 million, engagement, as measured by page views, and revenue, which increased over 140% year-over-year last quarter.
- LinkedIn's long term operating model targets continued revenue growth with improved profitability, aiming for adjusted EBITDA margins over 30% through investments in products, technology and monetization.
This document is a presentation of the 1Q08 results for Banco ABC Brasil. Some key highlights include:
- The loan portfolio grew 15.8% compared to 4Q07 and 80.9% compared to 1Q07.
- Net income increased 106.4% to R$38.0 million compared to 1Q07.
- The quality of the loan portfolio remained high, with 99.4% rated between AA-C on Brazil's rating scale.
- Several new business segments were inaugurated in regions like Rio de Janeiro and Minas Gerais.
- Guidance for 2008 includes targeted credit portfolio growth of 50-60% and personnel expense growth of 12
Consolidation Of Companies PowerPoint Presentation SlidesSlideTeam
It covers all the important concepts and has relevant templates which cater to your business needs. This complete deck has PPT slides on Consolidation Of Companies PowerPoint Presentation Slides with well suited graphics and subject driven content. This deck consists of total of fourty seven slides. All templates are completely editable for your convenience. You can change the colour, text and font size of these slides. You can add or delete the content as per your requirement. Get access to this professionally designed complete deck presentation by clicking the download button below. http://bit.ly/2Sifqly
Presentation given by CEO Jeff Weiner, and CFO Steve Sordello, at LinkedIn Q3 2014 Earnings Call. For more information, check out http://investors.linkedin.com/.
The document provides an overview of a company's financial results for the six months ended 30 June 2014. Key points include a profit before tax of $132.9m, a combined ratio of 90%, and prior year reserve releases of $72.9m. Gross written premiums increased 1% to $1,077.7m. The interim dividend was increased 7% to 3.1p. Specialty lines achieved a 1% rate increase on renewal business and $16.6m in prior year reserve releases.
The document provides an overview of a company's financial results for the six months ended 30 June 2014. Key points include a profit before tax of $132.9m, a combined ratio of 90%, and prior year reserve releases of $72.9m. Gross written premiums increased 1% to $1,077.7m. The interim dividend was increased 7% to 3.1p. Specialty lines achieved a 1% rate increase on renewal business and $16.6m in prior year reserve releases.
TCS reported financial results for the first quarter of fiscal year 2015, ending June 30, 2014. Revenue grew 2.6% quarter-over-quarter and 22.9% year-over-year in Indian Rupees. Operating margin was 26.3% and net income margin was 22.9%. Key highlights included strong growth in telecom, retail, and life sciences industries as well as an increase in large clients with over $50 million in annual revenues from TCS. The company added over 15,000 employees during the quarter.
The document provides Q1 2014 results for LinkedIn. It discusses key metrics such as member, visitor, and page view growth. Revenue increased 54% year-over-year to $45 million from products like Talent Solutions and Marketing Solutions. Adjusted EBITDA was $116.7 million, or 26% of revenue. For Q2 2014, LinkedIn expects revenue of $500-505 million and adjusted EBITDA of $118-120 million.
Mergers and Acquisitions Project Plan PowerPoint Presentation Slides SlideTeam
Mergers and Acquisitions is a common practice for business growth, companies see this as an opportunity to improve their competitive edge. Download our Mergers And Acquisitions Project Plan PowerPoint Presentation Slides to highlight your M&A strategy. Business valuation PowerPoint complete deck assist you in presenting each step in detail as it includes a set of slides like key steps, company overview, business, and financial overview, determining new growth market, types of inorganic opportunities, M&A criteria, identify targets, balance sheet KPIs, cash flow statement, financial projections, key financial ratios, liquidity and profitability ratios, activity and solvency ratios, M&A synergy framework, company valuation methodologies, valuation results, business due diligence process, post-merger integration framework, challenges and performance tracker etc. This strategic alliance Presentation template can benefit professionals from different industries. Download M&A strategy PPT slide to give a presentation on corporate finances, management, and strategy Our Mergers And Acquisitions Project Plan PowerPoint Presentation Slides ensure focused attention to your thoughts. They get exclusive handling.
Mergers And Acquisitions Project Plan Powerpoint Presentation SlidesSlideTeam
Mergers and Acquisitions is a common practice for business growth, companies see this as an opportunity to improve their competitive edge. Download our Mergers And Acquisitions Project Plan PowerPoint Presentation Slides to highlight your M&A strategy. Business valuation PowerPoint complete deck assist you in presenting each step in detail as it includes a set of slides like key steps, company overview, business, and financial overview, determining new growth market, types of inorganic opportunities, M&A criteria, identify targets, balance sheet KPIs, cash flow statement, financial projections, key financial ratios, liquidity and profitability ratios, activity and solvency ratios, M&A synergy framework, company valuation methodologies, valuation results, business due diligence process, post-merger integration framework, challenges and performance tracker etc. This strategic alliance Presentation template can benefit professionals from different industries. Download M&A strategy PPT slide to give a presentation on corporate finances, management, and strategy Our Mergers And Acquisitions Project Plan Powerpoint Presentation Slides ensure focused attention to your thoughts. They get exclusive handling. https://bit.ly/39rtZLC
Description: Presentation given by CEO Jeff Weiner, and CFO Steve Sordello, at LinkedIn Q2 2015 Earnings Call. For more information, check out http://investors.linkedin.com/.
LinkedIn reported its Q2 2015 results, with revenue growing 33% year-over-year to $712 million. Membership declined 21% year-over-year to 161 million, continuing a multi-quarter trend of slowing growth. Adjusted EBITDA was $163 million, an increase over last year, with a margin of 23% of revenue. For the third quarter, LinkedIn expects revenue of $745-750 million and adjusted EBITDA of $146-148 million.
This document discusses forward-looking statements and non-GAAP financial measures. It cautions that actual results could differ from expectations and refers readers to risk factors in SEC filings. It also explains management's use of non-GAAP measures and provides reconciliations to GAAP measures. The agenda outlines a CEO perspective, discussions of various Intuit business units, and a financial perspective.
Similar to Employer solutions and pensions performance (20)
With roots stretching back almost 200 years, Aegon is one of the world's leading providers of life insurance, pensions and asset management. Find out more about our history, markets, performance, and our commitment to sustainability and responsible investment.
Aegon published its 3Q 2021 financial results on November 11 2021. In this presentation CEO Lard Friese and CFO Matt Rider outline the key facts and figures for the review period and outline the company's strategy.
Bank of America Merrill Lynch Conference, September 2019Aegon
Delivering in a world of extremes - a presentation on Aegon's performance and strategy given by CEO Alex Wynaendts to the Bank of America Merrill Lynch Conference in London on September 25, 2019.
Aegon 2h 2018 results and new targets presentationAegon
Aegon published its 2H 2018 financial results on February 14, 2019. In this presentation CEO Alex Wynaendts and CFO Matt Rider outline the key facts and figures for the review period and outline the strategy behind Aegon's new financial targets for 2019-2021.
Aegon concluded 2017 with solid fourth quarter results. The company's Solvency II ratio improved significantly to 201% due to strong capital generation of EUR 2.1 billion in 2017. Aegon outsourced administration of its US life and annuity businesses to TCS, which is expected to generate annual expense savings of USD 70-100 million. The company exceeded its target to reduce capital allocated to run-off businesses by nearly USD 5 billion since 2009. Aegon continues its transformation with increased focus on digitization.
The document summarizes Aegon's strong 3Q 2017 results. Key highlights include:
- Underlying earnings increased 20% driven by improved claims experience, higher fee revenue from favorable markets, and lower expenses.
- Return on equity improved to 8.9% and group solvency ratio increased significantly to 195%.
- Sales were driven by record gross deposits resulting from growth of fee-based businesses.
Aegon Americas: Leveraging leading positions in workplace and individual solu...Aegon
Joe Boan (Workplace & Individual Markets), Scott Ramey, (Workplace Solutions) and Phil Eckman (Customer Experience & Advice) provide an update on how Transamerica is leveraging leading positions in Workplace & Individual Solutions.
Aegon Americas: Simplifying and optimizing businessAegon
Blake Bostwick, Chief Operations Officer at Transamerica, and David Montgomery, Head of Individual Operations, provide an update on how Aegon is simplifying and optimizing its business in the US.
Transamerica is strongly positioned to accelerate growth and achieve its 2018 financial targets. It has successfully executed its 5 part plan, delivering on its 9% Return on Capital target two quarters early and exceeding its capital targets. Transamerica will now invest in modernization and growth initiatives to drive approximately $100 million in increased expenses in 2019 and further strengthen its competitive position. These initiatives include partnering with TCS to improve technology and customer experience, leveraging data and analytics, and focusing on key growth areas like Wealth + Health, Workplace Solutions, and Individual Solutions.
Alex Wynaendts, Aegon’s CEO, provides an update at the Analysts & Investors conference in New York on the progress made executing the company’s strategy and delivering on financial targets.
Bank of America Merrill Lynch Annual Financials CEO Conference presentation 2018Aegon
Aegon CEO Alex Wynaendts gives a presentation to the Bank of America Merrill Lynch Annual Financials CEO Conference in London on Tuesday, September 25, 2018.
With roots stretching back almost 200 years, Aegon is one of the world's leading providers of life insurance, pensions and asset management. Find out more about our history, markets, performance, and our commitment to sustainability and responsible investment.
The Aegon SAECURE program has issued 15 residential mortgage-backed securities transactions since 2000 to diversify funding for Aegon's Dutch residential mortgage portfolio. The SAECURE portfolios exhibit stable historical performance with low and declining arrears levels, demonstrating the representative quality of Aegon's total Dutch mortgage loan book.
What Aegon employees say on International Women's Day 2018Aegon
The document discusses the importance of diversity and inclusion at Aegon, highlighting perspectives from various employees. It notes that diversity allows the company to better serve its diverse customer base and drives innovation. Several individuals emphasize that both women and men should have equal opportunities to achieve their full potential and that diverse teams are stronger and more creative.
Aegon concluded 2017 with solid fourth quarter results. The company's Solvency II ratio improved significantly to 201% due to strong capital generation of EUR 2.1 billion in 2017. Aegon outsourced administration of its US life and annuity businesses to TCS, which is expected to generate annual expense savings of USD 70-100 million. The company exceeded its target to reduce capital allocated to run-off businesses by nearly USD 5 billion since 2009. Aegon continues its transformation with increased focus on digitization.
Aegon reported strong financial results for the full year 2017, with underlying earnings of 3.9 billion euros. The CEO stated that 2017 concluded a strong year for the company. Key highlights included improving employee engagement through diversity initiatives and surveys, launching new affordable housing funds and investing in technologies to support business growth while divesting non-core parts of the US business.
Netherlands first country to legalize same sex marriageAegon
The 2018 'LGBT Retirement Preparations Amid Social Progress' report from the Aegon Center for Longevity and Retirement, is one of the first to take a global look at the issue of retirement aspirations and planning with the Lesbian, Gay, Bisexual, and Transgender (LGBT) community. http://aegon.me/lgbt
LGBT workers planning and saving for retirementAegon
The 2018 'LGBT Retirement Preparations Amid Social Progress' report from the Aegon Center for Longevity and Retirement, is one of the first to take a global look at the issue of retirement aspirations and planning with the Lesbian, Gay, Bisexual, and Transgender (LGBT) community. http://aegon.me/lgbt
The 2018 'LGBT Retirement Preparations Amid Social Progress' report from the Aegon Center for Longevity and Retirement, is one of the first to take a global look at the issue of retirement aspirations and planning with the Lesbian, Gay, Bisexual, and Transgender (LGBT) community. http://aegon.me/lgbt
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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1. aegon.com
Kent Callahan Betsy Summers
CEO CFO
Analyst & Investor Conference
New York City – June 25, 2014
Employer Solutions & Pensions
2. 2
Key messages
The creation of Investments & Retirement enables Transamerica to
become more relevant in the financial lives of our 5.1 million
customers serving them to and through retirement
Diverse retirement strategy fuels sustainable growth
Product and service model diversity creates competitive advantage
Business growth and scalability lead to a rise in earnings
Demand for retirement readiness creates significant opportunity
3. 3
Advancing our strategy – creation of Investments & Retirement
Investments & Retirement
Enhances product innovation and improves speed to market supporting the rapidly evolving needs of our customers
Delivers a comprehensive suite of products and services to our distribution network
Individual Savings & Retirement
Wealth accumulation and preservation,
asset allocation, and retirement income
Retail mutual funds, fixed annuities and
variable annuities
Employer Solutions & Pensions
Comprehensive retirement solutions
across entire pension market
Insuring stable value investments for
defined contribution market
24,000 employer retirement
plan customers
Active accounts with 110,000
advisors, consultants and Third
Party Administrators
Serving customers to and through retirement with total investment solutions
under one division of Transamerica
5.1 million Americans with more
than $281 billion in revenue-
generating investments
4. 4
Every segment of the US retirement market projecting strong growth through 2018
US market conditions reinforce retirement plan business strategy
Analyst Note: Private DC includes 401(k) plans, money purchase plans, profit sharing plans, Keoghs, and Taft-Hartley DC plans
Public DC includes Thrift Savings Plans, 403(b) and 457 plans. Private DB includes single and multiemployer plans
Source: Cerulli, US Retirement Markets Quantitative Update, 2013
Projected retirement market assets
by segment (USD billion)
CAGRs by segment
(%)
2.8%
1.4%
2.6%
4.2%
0.7%
5.4%
4.0%
8.6%
5.8%
3.7%
Private DC
Private DB
IRA
Public DC
Public DB
2013E - 2018E 2007 - 2012
4,134 4,364 4,603 4,852 5,111 5,381
2,774 2,898 3,030 3,166 3,283 3,379
5,907 6,437
7,000
7,600
8,238
8,9161,587
1,681
1,779
1,881
1,988
2,099
4,512
4,700
4,885
5,067
5,243
5,412
2013E 2014E 2015E 2016E 2017E 2018E
Private DC Private DB IRA Public DC Public DB
18,914
20,080
21,297
22,566
23,863
25,188
5. 5
Need for retirement solutions never higher
► 36% of Baby Boomers will rely primarily on Social Security1
► The average 401(k) balance is $79,0002
► 65% of Baby Boomers plan to work after the age of 65 or don’t plan to retire3
Industry efforts making a difference
► Boomer household retirement savings have jumped from $75,000 in 2007 to $127,000
today4
► 55% of plan participants surveyed said they would not be saving if it weren’t for their
employer sponsored retirement plans5
► 70 % of Millennials (born 1979 to 1996) are already saving for retirement and the
median age started saving is 226
► 43% of large employers (500+ employees) now use auto-enroll features7
Demographics also reinforce retirement plan business strategy
1,3,4,6 Transamerica Center for Retirement Studies 15th Annual Retirement Survey of Workers, 2014
2 PSCA's Annual Survey of Profit Sharing and 401(k) Plans 56th Annual Survey, 2013
5 Fidelity, 2011
7 Transamerica Center for Retirement Studies 14th Annual Retirement Survey of Workers, 2013
Transamerica’s partnership with our 24,000 retirement plan sponsors drives
increasing levels of retirement readiness
6. 6
Product and service model diversity creates competitive advantage
Retirement Solutions
Serving 24,000 employers and 3.4 million individuals to and through retirement
Products &
Services
Defined contribution plans
Defined benefit plans
Full-service recordkeeping
Multiple-employer plans
Retirement plan exchange
Not-for-profit solutions
Total Retirement Outsourcing (TRO)
Third Party Administrator (TPA)
solutions
Non-qualified Defined Contribution plans
Administrative Services Only (ASO)
Comprehensive distribution counseling
and retirement transition service
Individual Retirement Accounts (IRA)
Distribution
Wirehouses
Banks
Consultants
Retirement advisors
Third Party Administrators
75 External sales executives
55 Internal sales staff
9 Channel management staff
Competitive
advantages
Among highest levels of customer loyalty
► Client Recommendation Rate of 95%*
► Customers win prestigious industry
awards for best in class communications
and plan sponsor of the year
Leader in product and service innovation
Industry-leading operational platform
Award-winning customer service
Extensive distribution network
200 field education specialists
Recognized for industry leadership
* Source: 2013 PLANSPONSOR DC survey
7. 7
Delivering growth with our Enhanced Distribution Strategy
► Production up 68% among our top 20 firms in 2013 vs. 2012, accounting for 49% of total written
sales
Launched significant new distribution relationship in Q1 leveraging 10,000 additional
advisors
Expanded Defined Benefit and Not-for-Profit channel teams delivering
excellent results
Diverse retirement strategy fuels sustainable growth
Written sales
(USD billion)
8.3
10.0
11.2
11.4
16.8
3.0
4.3
2009 2010 2011 2012 2013 Q113 Q114
24%
17%
35%
6%
4%
9%
5% Mid/Large Corporate
Small Corporate
Healthcare
Higher Ed
Government & Charitable
Defined Benefit
Multiple Employer Plans
Sales by product line
(FY 2013)
Higher Education
8. 8
11.4
16.3 16.5
19.0
21.2
5.8
8.3
2009 2010 2011 2012 2013 Q113 Q114
Recurring deposits
Takeover deposits
Award winning customer service drives superior client retention
resulting in strong net deposits
Net deposits
(USD billion)
Deposits
(USD billion)
Cumulative deposits* – Q110– Q114
(USD billion)
Cumulative net deposits* – Q110– Q114
(USD billion)
* Data sourced from publicly available information; Company D only reported net deposits
$16
$2
$2
$5
$32
Q110 Q310 Q111 Q311 Q112 Q312 Q113 Q313 Q114
Company A
Company B
Company C
Company D
Transamerica
$96
$82
$26
$81
Q110 Q310 Q111 Q311 Q112 Q312 Q113 Q313 Q114
Company A
Company B
Company C
Transamerica
4.8
8.2
6.4 6.3
7.8
2.6 3.0
2009 2010 2011 2012 2013 Q113 Q114
9. 9
60% of Transamerica participant withdrawals are rolled into an IRA
Retained approximately 10%* of these withdrawals through our distribution
counseling and retirement transition services teams
Participant movement driving asset retention opportunity
Withdrawals
(USD billion)
* as of Q1 2014
6.5
8.1
10.2
12.7
13.4
3.2
5.3
9.6% 9.0% 8.3% 8.1% 8.3% 8.9% 8.5%
2009 2010 2011 2012 2013 1Q 2013 1Q 2014
participant withdrawals contract discontinuance participant withdrawal rate
10. 10
Continued execution of our early stage asset retention effort yielding positive results
Executing on the following four new growth initiatives
IRA rollover strategy drives increase in retirement asset
retention rate
Strengthen
the customer
experience
for the
at risk
participants
Broaden
the
engagement
channels
and product
offering
Increase
staffing
to support
the growing
retention
opportunity
Expand
retention
services
to emerging
market
and defined
benefit
channels
10,000 Baby Boomers turn 65 every day; fueling growth in the IRA marketplace
11. 11
Business growth and scalability lead to rise in earnings
Underlying earnings
(USD million)
Revenue-generating investments
(USD billion)
Source of earnings is a combination of fee
income and investment spread
Adjust Retirement Solutions model to better
reflect mix of business and evolution of large
plan marketplace
Earnings model
► Retirement Solutions = 18 bps of revenue-
generating investments + $10 per participant
► Stable Value Solutions = 18 bps of revenue-
generating investments
72 78 96 73 82 89 90 88 89
74 75 76 78 81 84 85 90 92
Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14
Underlying earnings
Model earnings
61 59 60 61 61 61
62 77 83 99
123 128
2009 2010 2011 2012 2013 Q1 14
Stable Value Solutions
Retirement Solutions
Expense per participant
(Participants 000s, expense/participant whole USD)
123
115
106
103
99 99
2,419
2,712
2,900
3,065
3,355 3,465
2009 2010 2011 2012 2013 Q1 14
Expense / participants
Participants
12. 12
0.0%
0.2%
0.4%
0.6%
2009 2010 2011 2012 2013 Q113 Q114
Fee revenue / RGI*
Operating expense / RGI
Pre-tax underlying earnings / RGI
431
537
593
646
720
173 187
2009 2010 2011 2012 2013 Q113 Q114
Net Fees Interest Spread
Interest on Target Surplus Decrement Gain/Loss
Return on net revenue metric optimal reflection of profitability
Return on Net Revenue (RONR) measure
represents primary profitability going forward
Industry seeing large plan business shift away
from being exclusively priced on an asset
basis and the trend toward per participant
fees is one that is expected to continue
Increase in RONR driven by scalability
Return on net revenue
Components of net revenue
Pension margin
* Revenue Generating Investments
Note: RONR is defined as underlying earnings divided by net revenue
11.4%
29.9% 26.3% 31.2% 33.2% 31.8% 32.6%
0
200
400
600
800
2009 2010 2011 2012 2013 1Q13 1Q14
Net revenue $ mln
RONR
13. 13
Drive customer connectivity
through OnTrack technology:
Retirement readiness requires a partnership
Can I retire?
If not now, when?
If now, how?
Get OnTrackSM Stay OnTrackSM Retire OnTrackSM
How much should I save?
Am I invested properly?Enroll and
engage
OnTrackSM
Report
Estimator Distribution Counseling
for job changers
Retirement Transition Services
for retirees
SunnyCloudy Partly
Sunny
Rainy
Protection
Retirement
Income
Lifestyle
Investments
Health Care
Ongoing Monitoring
Online • Statements • Mobile
Plan Sponsors
View readiness as ultimate goal
Modernize plan design
Create measurable culture of saving
Plan Participants
Get OnTrack SM, Stay OnTrackSM, Retire OnTrack®
Multi-channel personalized tools and messaging
Specialized teams and expertise
Participants with Retirement Outlook: 834K
Participants with a positive Retirement Outlook: 63%
14. 14
Comprehensive solutions for American employers
The creation of Investments & Retirement enables Transamerica to
become more relevant in the financial lives of our 5.1 million
customers serving them to and through retirement
Diverse retirement strategy fuels sustainable growth
Product and service model diversity creates competitive advantage
Business growth and scalability lead to a rise in earnings
Demand for retirement readiness creates significant opportunity
16. 16
Why: The US At-retirement market represents 26.7 million households1; 39% of pre-retirees do not have a
relationship with a financial advisor2.
What: Your Financial Life – A personal retirement platform offering clear, expert advice and peer
experiences. Three main components:
At-retirement initiative
PLAN LEARN CONNECT
Products: Current offering includes mutual funds, variable annuities and Transamerica IRA; Future versioning to
provide protection products, and simplified investments to allow for online or phone-based transactions.
Engagement: Targeted marketing through direct, digital, paid search, social, and B2B partnerships.
1 Cerulli, The State of the Rollover and Retirement Income Markets, 2011
2 LIMRA, Scaling the Pre-Retiree Market, 2010
Bring Transamerica closer to existing customers, while growing
direct-to-consumer capabilities and a new channel for product distribution
17. Thank you
For questions please contact
Investor Relations
+31 70 344 8305
ir@aegon.com
P.O. Box 85
2501 CB The Hague
The Netherlands
18. 18
Cautionary note regarding non-IFRS measures
This document includes the non-IFRS financial measures: underlying earnings before tax, income tax, income before tax and market consistent value of new business. These non-IFRS measures are calculated by consolidating on a proportionate basis
Aegon’s joint ventures and associated companies. The reconciliation of these measures, except for market consistent value of new business, to the most comparable IFRS measure is provided in note 3 ‘Segment information’ of Aegon’s Condensed
Consolidated Interim Financial Statements. Market consistent value of new business is not based on IFRS, which are used to report Aegon’s primary financial statements and should not be viewed as a substitute for IFRS financial measures. Aegon may define
and calculate market consistent value of new business differently than other companies. Aegon believes that its non-IFRS measures, together with the IFRS information, provide meaningful information about the underlying operating results of Aegon’s
business including insight into the financial measures that senior management uses in managing the business. In addition, return on equity is a ratio using a non-GAAP measure and is calculated by dividing the net underlying earnings after cost of leverage
by the average shareholders’ equity excluding the preferred shares, the revaluation reserve and the reserves related to defined benefit plans.
Local currencies and constant currency exchange rates
This document contains certain information about Aegon’s results, financial condition and revenue generating investments presented in USD for the Americas and GBP for the United Kingdom, because those businesses operate and are managed primarily in
those currencies. Certain comparative information presented on a constant currency basis eliminates the effects of changes in currency exchange rates. None of this information is a substitute for or superior to financial information about Aegon presented in
EUR, which is the currency of Aegon’s primary financial statements.
Forward-looking statements
The statements contained in this document that are not historical facts are forward-looking statements as defined in the US Private Securities Litigation Reform Act of 1995. The following are words that identify such forward-looking statements: aim, believe,
estimate, target, intend, may, expect, anticipate, predict, project, counting on, plan, continue, want, forecast, goal, should, would, is confident, will, and similar expressions as they relate to Aegon. These statements are not guarantees of future performance
and involve risks, uncertainties and assumptions that are difficult to predict. Aegon undertakes no obligation to publicly update or revise any forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking
statements, which merely reflect company expectations at the time of writing. Actual results may differ materially from expectations conveyed in forward-looking statements due to changes caused by various risks and uncertainties. Such risks and
uncertainties include but are not limited to the following:
Changes in general economic conditions, particularly in the United States, the Netherlands and the United Kingdom;
Changes in the performance of financial markets, including emerging markets, such as with regard to:
► The frequency and severity of defaults by issuers in Aegon’s fixed income investment portfolios;
► The effects of corporate bankruptcies and/or accounting restatements on the financial markets and the resulting decline in the value of equity and debt securities Aegon holds; and
► The effects of declining creditworthiness of certain private sector securities and the resulting decline in the value of sovereign exposure that Aegon holds;
Changes in the performance of Aegon’s investment portfolio and decline in ratings of Aegon’s counterparties;
Consequences of a potential (partial) break-up of the euro or the potential independence of Scotland from the United Kingdom
The frequency and severity of insured loss events;
Changes affecting longevity, mortality, morbidity, persistence and other factors that may impact the profitability of Aegon’s insurance products;
Reinsurers to whom Aegon has ceded significant underwriting risks may fail to meet their obligations;
Changes affecting interest rate levels and continuing low or rapidly changing interest rate levels;
Changes affecting currency exchange rates, in particular the EUR/USD and EUR/GBP exchange rates;
Changes in the availability of, and costs associated with, liquidity sources such as bank and capital markets funding, as well as conditions in the credit markets in general such as changes in borrower and counterparty creditworthiness;
Increasing levels of competition in the United States, the Netherlands, the United Kingdom and emerging markets;
Changes in laws and regulations, particularly those affecting Aegon’s operations, ability to hire and retain key personnel, the products Aegon sells, and the attractiveness of certain products to its consumers;
Regulatory changes relating to the insurance industry in the jurisdictions in which Aegon operates;
Changes in customer behavior and public opinion in general related to, among other things, the type of products also Aegon sells, including legal, regulatory or commercial necessity to meet changing customer expectations;
Acts of God, acts of terrorism, acts of war and pandemics;
Changes in the policies of central banks and/or governments;
Lowering of one or more of Aegon’s debt ratings issued by recognized rating organizations and the adverse impact such action may have on Aegon’s ability to raise capital and on its liquidity and financial condition;
Lowering of one or more of insurer financial strength ratings of Aegon’s insurance subsidiaries and the adverse impact such action may have on the premium writings, policy retention, profitability and liquidity of its insurance subsidiaries;
The effect of the European Union’s Solvency II requirements and other regulations in other jurisdictions affecting the capital Aegon is required to maintain;
Litigation or regulatory action that could require Aegon to pay significant damages or change the way Aegon does business;
As Aegon’s operations support complex transactions and are highly dependent on the proper functioning of information technology, a computer system failure or security breach may disrupt Aegon’s business, damage its reputation and adversely affect its
results of operations, financial condition and cash flows;
Customer responsiveness to both new products and distribution channels;
Competitive, legal, regulatory, or tax changes that affect profitability, the distribution cost of or demand for Aegon’s products;
Changes in accounting regulations and policies or a change by Aegon in applying such regulations and policies, voluntarily or otherwise, may affect Aegon’s reported results and shareholders’ equity;
The impact of acquisitions and divestitures, restructurings, product withdrawals and other unusual items, including Aegon’s ability to integrate acquisitions and to obtain the anticipated results and synergies from acquisitions;
Catastrophic events, either manmade or by nature, could result in material losses and significantly interrupt Aegon’s business; and
Aegon’s failure to achieve anticipated levels of earnings or operational efficiencies as well as other cost saving and excess capital and leverage ratio management initiatives.
Further details of potential risks and uncertainties affecting Aegon are described in its filings with the Netherlands Authority for the Financial Markets and the US Securities and Exchange Commission, including the Annual Report. These forward-looking
statements speak only as of the date of this document. Except as required by any applicable law or regulation, Aegon expressly disclaims any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained
herein to reflect any change in Aegon’s expectations with regard thereto or any change in events, conditions or circumstances on which any such statement is based.
Disclaimers