SlideShare a Scribd company logo
Principal Financial Group®
November 2015
Use of Non‐GAAP Financial Measures
A non‐GAAP financial measure is a numerical measure of performance, financial position, or cash flows that 
includes adjustments from a comparable financial measure presented in accordance with U.S. GAAP.  
The company uses a number of non‐GAAP financial measures that management believes are useful to 
investors because they illustrate the performance of the company’s normal, ongoing operations which is 
important in understanding and evaluating the company’s financial condition and results of operations.  While 
such measures are also consistent with measures utilized by investors to evaluate performance, they are not, 
however, a substitute for U.S. GAAP financial measures. Therefore, at the end of the presentation, the 
company has provided reconciliations of the non‐GAAP financial measures to the most directly comparable 
U.S. GAAP financial measure.  The company adjusts U.S. GAAP financial measures for items not directly related 
to ongoing operations.  However, it is possible these adjusting items have occurred in the past and could recur 
in future reporting periods.  Management also uses non‐GAAP financial measures for goal setting, as a basis for 
determining employee and senior management awards and compensation, and evaluating performance on a 
basis comparable to that used by investors and securities analysts. 
The company also uses a variety of other operational measures that do not have U.S. GAAP counterparts, and 
therefore do not fit the definition of non‐GAAP financial measures.  Assets under management is an example 
of an operational measure that is not considered a non‐GAAP financial measure.
2
Forward Looking Statements
3
Certain statements made by the company which are not historical facts may be considered forward‐looking statements, 
including, without limitation, statements as to operating earnings, net income available to common stockholders, net cash 
flows, realized and unrealized gains and losses, capital and liquidity positions, sales and earnings trends, and management's
beliefs, expectations, goals and opinions. The company does not undertake to update these statements, which are based on a 
number of assumptions concerning future conditions that may ultimately prove to be inaccurate. Future events and their 
effects on the company may not be those anticipated, and actual results may differ materially from the results anticipated in
these forward‐looking statements. The risks, uncertainties and factors that could cause or contribute to such material 
differences are discussed in the company's annual report on Form 10‐K for the year ended Dec. 31, 2014 and in the company’s 
quarterly report on Form 10‐Q for quarter ended Sep. 30, 2015 filed by the company with the Securities and Exchange 
Commission, as updated or supplemented from time to time in subsequent filings. These risks and uncertainties include, 
without limitation: adverse capital and credit market conditions may significantly affect the company’s ability to meet liquidity 
needs, access to capital and cost of capital; conditions in the global capital markets and the economy generally; continued 
volatility or further declines in the equity, bond or real estate markets; changes in interest rates or credit spreads; the 
company’s investment portfolio is subject to several risks that may diminish the value of its invested assets and the investment
returns credited to customers; the company’s valuation of securities may include methodologies, estimations and assumptions 
that are subject to differing interpretations; the determination of the amount of allowances and impairments taken on the 
company’s investments requires estimations and assumptions that are subject to differing interpretations; gross unrealized 
losses may be realized or result in future impairments; competition from companies that may have greater financial resources,
broader arrays of products, higher ratings and stronger financial performance; a downgrade in the company’s financial strength 
or credit ratings; inability to attract and retain sales representatives and develop new distribution sources; international 
business risks; the company’s actual experience could differ significantly from its pricing and reserving assumptions; the 
company’s ability to pay stockholder dividends and meet its obligations may be constrained by the limitations on dividends or
distributions Iowa insurance laws impose on Principal Life; the pattern of amortizing the company’s DAC and other actuarial 
balances on its universal life‐type insurance contracts, participating life insurance policies and certain investment contracts may 
change; the company may need to fund deficiencies in its “Closed Block” assets that support participating ordinary life 
insurance policies that had a dividend scale in force at the time of Principal Life’s 1998 conversion into a stock life insurance 
company; the company’s reinsurers could default on their obligations or increase their rates; risks arising from acquisitions of
businesses; changes in laws, regulations or accounting standards; a computer system failure or security breach could disrupt 
the company’s business, and damage its reputation; results of litigation and regulatory investigations; from time to time the
company may become subject to tax audits, tax litigation or similar proceedings, and as a result it may owe additional taxes,
interest and penalties in amounts that may be material; fluctuations in foreign currency exchange rates; and applicable laws 
and the company’s certificate of incorporation and by‐laws may discourage takeovers and business combinations that some 
stockholders might consider in their best interests.
A Leading Financial Services Company
Fortune 500 company; 136 year history; 20.6 million customers
Assets Under Management by Source
$516.2 billion
as of Sep. 30, 2015
Retirement &
Investor Services 
Accumulation
48%
Corporate
1%
U.S. 
Insurance 
Solutions 
4%
Principal
International
21%
Principal
Global
Investors 
23%
Operating Earnings
$1,427.0 million*
Sep. 30, 2015
Retirement &
Investor Services 
Accumulation
48%
U.S. 
Insurance 
Solutions 
20%
Principal
International
16% Principal
Global
Investors 9%
*Trailing Twelve Months.  After‐tax.  Results exclude Corporate.
4
COMPANY OVERVIEW
RIS 
Guaranteed 
7%
RIS
Guaranteed 
3%
Organizational Structure
Principal Financial Group
Houston CEO ‐31/31 yrs*
Lillis CFO – 33/33 yrs
Retirement & 
Investor Services
Everett ‐ President
24/24 yrs
Principal Global 
Investors
McCaughan – President
41/13 yrs
Principal 
International
Valdes – President
27/24 yrs
U.S. Insurance 
Solutions
Strable – President
26/26 yrs
Corporate
Full Service 
Accumulation
Principal Funds**
Individual Annuities
Bank & Trust** 
Full Service Payout
Investment Only
Life
Specialty Benefits
*Years of experience: Industry/The Principal as of year end 2015.
**Structural changes announced Feb 2015 will align Principal Funds & Principal Trust with Principal Global Investors.
5
COMPANY OVERVIEW
PRINCIPAL FINANCIAL GROUP
Headquarters
Des Moines, Iowa
Mexico
Pensions
Annuities
Mutual Funds
Asset Management
Chile
Pensions – Mandatory
Pensions – Voluntary
Annuities
Mutual Funds
Asset Management
Brazil
Pensions
Annuities
Asset Management
Mutual Funds
India
Mutual Funds
Advisory Service
Asset Management
Malaysia
Mutual Funds
Asset Management
Islamic Institutional
Asset Management
Pensions
Hong Kong
Pensions,
Mutual Funds
Asset Management
China
Mutual Funds
Asset Management
Principal Financial Group Global Presence
Germany
Asset Management
Ireland
Mutual Funds
UK
Asset Management
Japan
Asset Management
Australia
Asset Management
Singapore
Asset Management
Thailand
Mutual Funds
Asset Management
Indonesia
Mutual Funds
Asset Management
Netherlands
Asset Management
UAE
Asset Management
6
COMPANY OVERVIEW
Malta
Asset Management
136 Years of Experience
1879
Life 
Assoc
1911
Mutual 
Life Co
1936
Mortgage 
Banking/ 
Commercial 
Mortgage
1941
Group 
Health & 
Pension
1968
Mutual 
Funds
1985
Principal 
Financial 
Group
1998
Principal Bank;  
Mutual 
Holding Co
2001
IPO; 
Spectrum
1990
Principal 
Intl
1970s
Defined 
Contribution
1999
Principal Global 
Investors; 
BrasilPrev JV; 
Principal Asset 
Mgmt Co (India)
2002
Benefit 
Consultants 
Inc;  Total 
Retirement 
Suite 
2006
Washington 
Mutual Funds; 
WM Advisors
2008
CIMB‐Principal 
Islamic
Asset Mgmt
2007
Morley
2011
HSBC Afore;
Finisterre;
Origin
1995
Principal 
Chile
1996
Principal 
Hong Kong
1997
Principal 
Mexico
2003
Post 
Advisory 
Group
2005
CCB 
Principal; 
Columbus 
Circle
JV – Joint Venture
IPO – Initial Public Offering
2010
BrasilPrev
JV extension
2012
Claritas; 
Cuprum
2013
Liongate
7
COMPANY OVERVIEW
2014
AXA Hong 
Kong 
Pension
Name Age* Title (Industry/PFG)*
Daniel J. Houston 54 President  & Chief Executive Officer       31/31
Nora M. Everett 56 President ‐ Retirement & Investor Services 24/24
James P. McCaughan 62 President ‐ Global Asset Management   41/13
Deanna D. Strable 47 President  ‐ U.S. Insurance Solutions 26/26
Luis E. Valdes 58 President ‐ International Asset Management and Accumulation 27/24
Timothy M. Dunbar 58 Executive VP & Chief Investment Officer 34/29       
Terrance J. Lillis  63 Executive VP & Chief Financial Officer 33/33
Gary P. Scholten 58 Executive VP & Chief Information Officer 35/35
Karen E. Shaff 61 Executive VP, General Counsel & Secretary 33/33
Rex Auyeung 63 Chairman ‐ Principal Financial Group – Asia 38/21
David M. Blake  49 Senior Executive Director & Head Global Fixed Income 26/15
Elizabeth S. Brady 55 Senior VP & Chief Marketing Officer 31/2 
Ned A. Burmeister 56 Senior VP & COO – Principal International  36/36
Gregory J. Burrows  53 Senior VP ‐ Retirement & Investor Services 29/29
Gregory B. Elming 55 Senior VP & Chief Risk Officer  33/33
Amy C. Friedrich 45 Senior VP – Specialty Benefits Division 18/15
Patrick G. Halter 56 Senior Executive Director – Principal Real Estate Investors 31/31
Julia M. Lawler 55 Senior Executive Director ‐ Multi Asset Allocation 33/31
Gregory A. Linde 59 Senior VP – Individual Life 36/23
Barbara A. McKenzie  55 Senior Executive Director & COO – Boutique Operations 31/31
Dennis  J. Menken 52 Senior VP & Chief Investment Officer – Principal Life 21/21
Gerald W. Patterson 49 Senior VP ‐ Retirement & Investor Services 27/14
Elizabeth L. Raymond 49 Senior VP & Chief Human Resources Officer 24/15
Angela R. Sanders 52 Senior VP & Controller 26/26
Ellen W. Shumway  52 Senior Executive Director – Strategy & Boutique Operations 25/10
Roberto A. Walker 50 Senior VP & President, Principal Financial Group – LatAm 26/19
*As of 12/2015
8
Experienced Management Team
COMPANY OVERVIEW
Retirement and Investor Services
•#3 provider of DC plans1
•#1 provider of DB plans2
•#1 provider of ESOP plans3
•#6 manager of Target Date Funds4
Industry Leadership
Sources:  1 PLANSPONSOR Recordkeeping Survey, June 2015, 2 PLANSPONSOR Defined Benefit Administration Survey, May 2015; 3 PLANSPONSOR 
Recordkeeping Survey, June 2015; 4 In the United States.  Strategic Insight Lifecycle  FlowWatch report July 2015; 5Pensions & Investments, “The Best 
Places to Work in Money Management among companies with our size category”, PFG recognition 12/08/2014. 6 Managers ranked by total worldwide 
real estate assets (net of leverage), as of June 30, 2015. “Largest Real Estate Managers”, PENSIONS & INVESTMENTS, October 19, 2015.; 7Managers 
ranked by U.S. institutional, tax‐exempt assets managed internally, as of 12/31/14, “Largest Money Managers”, Pensions & Investments, May 2015. 
8Commercial Property Executive Published April 2015 “2015 Greenest CRE Companies” list”. 9Fenaprevi, March 2015; 10Asociacion de Administradóras
de Fondos Mutuos De Chile, 10/2014; 11Lipper. Percentage of market share as of 12/2014;  12Towers Watson. Based on AUM as of 09/2014; 13CONSAR & 
PROCESAR, October 2014; 14PLANSPONSOR NQDC Buyer’s Guide, July 2015; 15LIMRA 2015 survey:  Non‐medical based on fully insured employer 
contracts in force. 16 LIMRA 2014 survey: Individual Disability Insurance (IDI) rank based on in‐force policies
Principal Global Investors
•Best Place to Work in Money 
Management 5
•Top 10 manager Real Estate 6
•15th largest manager High Yield7
•#4 Greenest CRE Company8
Principal International
•#1 market share – Brazil (Brasilprev)9
•#1 APV – Chile10
•#2 asset management – Malaysia11
•Top ten MPF provider – Hong Kong12
•#5 AFORE – Mexico13
U.S. Insurance Solutions
•#1 Non‐qualified deferred 
compensation14
•#4 Non‐medical coverages15
•#5 IDI coverages16
9
COMPANY OVERVIEW
Financial Strength:
Current Ratings
(as of October 2015)
• Moody's Investors Service
'A1', Good – fifth highest of 21 
rating levels.
Outlook: Stable 
• FitchRatings
'AA‐‘, Very Strong ‐ fourth highest of 
19 rating levels.
Outlook: Stable
• Standard & Poor's 
‘A+’, Strong ‐ fifth highest of 24 
rating levels.
Outlook:  Stable
• A.M. Best
'A+', Superior ‐ second highest of 
16 rating levels.
Outlook: Stable 
Ratings related to Principal Life Insurance Company and Principal National Life Insurance Company.10
COMPANY OVERVIEW
Platform Continuum
Across markets | Across life stages
INDIVIDUAL
EMPLOYER
INVESTMENT MANAGEMENT
Full Service Accumulation
Principal Funds
Investment 
Only
Bank
Annuities
Full 
Service 
Payout
11
RETIREMENT AND INVESTOR SERVICES
Customer‐Centric Business Model
12
Full Service Accumulation
RETIREMENT AND INVESTOR SERVICES
Principal Total Retirement SuiteSM
STILL A DIFFERENTIATOR
All rankings sourced from PLANSPONSOR magazine as follows – Defined Benefit: DB Administration Survey 05/15;  
Defined Contribution and ESOP: Recordkeeping Survey 06/15;  Nonqualified Deferred Compensation: 
PLANSPONSOR NQDC Buyer’s Guide, July 2015
Defined Benefit
#1 DB provider
(by # of clients)
Defined Contribution
#3 DC plan recordkeeper
(by # of plans)
Employee Stock
Ownership Plan
#1 ESOP plan recordkeeper
(by # of plans)
Nonqualified Plans
#1 Deferred Comp provider
(by # of plans)
13
Full Service Accumulation
RETIREMENT AND INVESTOR SERVICES
1.7 2.0
3.2 2.9 2.7 2.8
0.9
1.7
2.3
1.8
1.4 1.6
0.9
1.5
2.7
2.6
1.8 1.53.2
3.3
3.3
3.0
2.8
0
2
4
6
8
10
12
14
2010 2011 2012 2013 2014 2015
$ Billions
1st Quarter 2nd Quarter 3rd Quarter 4th Quarter
5.9
Balanced Sales Approach
14
6.7
8.5
11.5
10.3
8.7
Full Service Accumulation
RETIREMENT AND INVESTOR SERVICES
4.8 5.0
6.5 6.8 7.4 8.1
4.1 5.0
5.7 5.8 5.9
6.43.8
4.3
5.6
6.3 5.7
5.9
5.8
6.0
6.5
6.3 6.0
0
5
10
15
20
25
30
2010 2011 2012 2013 2014 2015
$Billions
1st Quarter 2nd Quarter 3rd Quarter 4th Quarter
20.4
People making a deferral +39%*
Avg deferral per member +10%*
People receiving a match +53%*
15
18.5
20.3
24.3 25.2
The Power of Payroll Deduction
* 3Q10 compared to 3Q15.
25.0
Full Service Accumulation
RETIREMENT AND INVESTOR SERVICES
Account Value by Manager
16
60.4% 58.4% 58.3% 56.6% 55.8% 56.6% 57.1%
62.8%
12.7% 12.8% 11.1% 10.0% 10.3% 9.9% 9.2%
10.6%
20.1% 22.3% 23.3% 26.5% 26.9%
26.4% 26.4%
22.6%
6.9% 6.6% 7.3% 6.9% 7.1% 7.1% 7.3% 4.0%
0%
20%
40%
60%
80%
100%
2009 2010 2011 2012 2013 2014 3Q15 3Q15 YTD
Deposits
PGI managed Sub-advised Non-proprietary ER Securities
Full Service Accumulation
RETIREMENT AND INVESTOR SERVICES
Our Disciplined Execution Delivers 
Positive Results 
17
Profit Margin*
Industry Avg vs. The Principal
Principal Industry Avg
* Profit 2000 Benchmark Study, Sterling Resources, Inc. (2014)
Full Service Accumulation
RETIREMENT AND INVESTOR SERVICES
Revenue sourced from FSA platform
FSA
FSA
Other PFG 
businesses
Other PFG 
businesses
2013 2018E
Multiple Businesses Leverage FSA Success
Principal Funds, PGI, Bank & Trust, Individual Annuities, Individual Life and Full Service Payout are all beneficiaries  
$500
MILLION
$350
MILLION
$0
$2B
18
RETIREMENT AND INVESTOR SERVICES
Full Service Accumulation
1.9%
4.5% 4.2%
3.1%
6.7%
18.1%
12.5%
8.5%
2011 2012 2013 2014
Industry net flows Principal Funds net flows
1.0%
0.7%
0.3%
-0.9%
3.5%
6.3%
1.7%
0.4%
2011 2012 2013 2014
401k Industry net flows Principal FSA net flows
Full Service Accumulation (FSA)
Net cash flows as % of beginning of year assets 2011‐2014.  Sources of industry data: 401(k) industry – Department of Labor & Cerulli
Associates 2014 (for 2014, industry 401(k) is an estimate); Funds – Strategic Insight Mutual Fund Industry Review (long‐term funds).  
Principal Funds net flows represent long‐term funds only.  
Net Cash Flow Consistently 
Outpaces Industry
Principal Funds
19
RETIREMENT AND INVESTOR SERVICES
TOP SELLING FUNDS
TTM
3Q15
MidCap Fund $3.1B
Global Diversified Income $2.9B
Preferred Securities $2.1B
High Yield Fund $1.8B
Sam Portfolio Combined $1.5B
TOTAL FOR  TOP 5 $11.3B
ASSET ALLOCATION LEADERSHIP
• #6 largest lifecycle fund manager*
• Target date & target risk
• Multi‐manager solutions
• Portfolio construction strategies:
*Based on $41.4B in assets  Strategic Insight 6/30/15 Lifecycle Report 
Needs‐Driven Investment Solutions
Broad and unique asset allocation strategies
20
RETIREMENT AND INVESTOR SERVICES
Principal Funds
Account Values – Then & Now
33%
45%
100%
22% Affiliated Distribution
Third Party
Broker/Dealers
DCIO/RIA
17%
44%
100%
39%
Affiliated Distribution
Third Party
Broker/Dealers
DCIO/RIA
Multiple Distribution Channels
SALES – Then & Now
2006
$3.8B
TTM 3Q15
$22.6B
2006
$14.7B
3Q15
$76.0B
21 DCIO = Defined Contribution Investment Only. RIA = Registered Investment Advisor
RETIREMENT AND INVESTOR SERVICES
Principal Funds
A Diversified Family of Mutual Funds
17%
5%
42%
46%
2%
3%
7%
15%
31%
TTM 3Q15 09/30/2015
Equity
Fixed Income
Index
Asset Allocation
Other
Net Cash 
Flow
Assets Under 
Management
22
32%
RETIREMENT AND INVESTOR SERVICES
Principal Funds
Driving Industry Recognition
and Advisor Engagement
16th largest advisor-sold fund family(1)
Best Global Real
Estate Fund Over
the 5-Year Period
23
(1) Strategic Insights Mutual Fund Management Companies Rankings and Analysis, September 2015
#3 for Small Plan
Investment Options
with Strong
Performance
RETIREMENT AND INVESTOR SERVICES
Principal Funds
2014 Best Mutual Fund Families:
#5 Ranking
READY TO 
RETIRE
Individual Investor Strategy
• Portfolio allocation
• Participant education
RETIREMENT 
INCOME 
SOLUTIONS
• Education and guidance
• Portfolio construction 
strategies
• Income annuities
ENROLLMENT 
OPTIMIZATION
• Simplify process
• Improve experience
• Maximize participation and 
influence behavior
24
RETIREMENT AND INVESTOR SERVICES
Innovative Solutions: 
Solving Income Needs
ACCUMULATION 
OUR APPROACH:
• Education
• Planning assistance 
(RetireSecure®)
• Full array of options
• Innovative solutions
MULTI‐PRODUCT 
SOLUTION SET
•“Through Retirement” Lifecycle Funds
•Mutual Funds that:
‒Generate income
‒Preserve capital
‒Protect against inflation
‒Address market volatility
•Annuities to provide: 
‒Fixed returns 
‒Guaranteed income
‒Protection against volatility
•Bank products
•Full Service Payout
‒Defined Benefit plan terminations
RETIREMENT 
INCOME
25
RETIREMENT AND INVESTOR SERVICES
INDIVIDUAL LIFE
•Non‐Qualified Plans* 13.9% #1
•Total Life New Sales Premium 1.7% #19
SPECIALTY BENEFITS
•Total Group In‐Force Contracts 7.1% #4
‐ Life 9.5% #3
‐ Disability 7.1% #5
‐ Dental 5.0% #8
•Individual Disability 
In‐force Premium
8.4% #5
•Individual Disability 
New Sales Premium
15.8% #3
Success Reflects Expertise Serving SMB Market 
2014
Industry
Rank
2014
Market
Share
26
Nonqualified Plans  ranking from PLANSPONSOR Buyers Guide Survey, July 2015.  All other rankings are from LIMRA 2013/2014.  
*Excludes governmental 457 plans.
U.S. INSURANCE SOLUTIONS
ER/NQ
28%
BOES
27%
Individual
45%
Individual Life Leadership:
FOCUS ON THE BUSINESS MARKET
Business owners’ financial challenges
•Exiting the business
•Business transition
•Retaining key employees
•Retirement planning 
Solutions for key employees
•Retirement income
•Survivor income
•Business protection
2014 Sales
BOES = Business Owner/Executive Solutions 
ER/NQ = Employer/Non‐qualified
SOLUTIONS FOR BUSINESS, BUSINESS OWNERS AND KEY EXECUTIVES
27
U.S. INSURANCE SOLUTIONS
5.0%
9.4%
3.1%
1.9%
Group Benefits Individual DI
The Principal Industry
Dental/ 
Vision
47% Group
Life
27%
Balanced Portfolio
plus Above Industry Premium Growth
2014 Total Premium & Fees 
3 Year In‐Force Premium Growth
(2011 – 2014 CAGR)
Group 
Benefits 
83%Individual 
Disability 
17%
Group 
Disability 
26%
28
U.S. INSURANCE SOLUTIONS
•Stable loss ratios
•Attractive margins
•ROE of 14% +
Industry source:  LIMRA 2011‐2014
U.S. Distribution Overview
PRINCIPAL 
CONNECTION
• 70 counselors 
with focus on 
education
CAREER
• 1,000 agents 
• Sell all products
• Career places 
80‐85% of sales 
within The 
Principal family 
products 
BANKSINSURANCE-
ORIENTED
INVESTMENT-
ORIENTED
• Wirehouses
• Regional
Broker/Dealers
• Planners
• Insurance
Producers
• Banks
• Broker/
Dealers
• Marketers
THIRD PARTYPROPRIETARY
ALLIANCE MANAGEMENT GROUP (AMG)
Select 3rd party distributors with dedicated support
STRENGTHENS RELATIONSHIPS AND FUELS SALES GROWTH
All supported by DEDICATED SERVICE TEAMS providing education, training, counseling and retention
11 WHOLESALE CHANNELS
Group 
Benefits
Retirement  Investment  
Solutions
Annuities NQDC Disability 
Insurance
Retail 
Life
AMG WorksiteESOP Wellness
29
DISTRIBUTION
National Presence with 
Local Employees
OUR VALUE TO ADVISORS:
● Solutions‐based selling
● Point of sale support
● Ongoing service and 
education support
● Pipeline development
● Practice management
● Advisor education
121 Total Offices
NOTE: Approximate view as of March 2012.  Check www.principal.com for actual locations.
30
DISTRIBUTION
Expanding Distribution Partnerships 
Have Generated Strong Sales Growth
3.1 3.8 3.7
7.6 6.6 7
2.8
5.7 6.5
10.5
14.5 14.4
1.2
1.5
1.4
2.5
3.3 2.4
0.9
1.5
1.4
1.7
2.0
2.0
2009 2010 2011 2012 2013 2014
Individual Annuities
Separately Managed Accounts
Mutual Funds
Full Service Accum
$8.0BTotal: +26%
CAGR:
$12.5B $13.0B $22.3B
31
$26.4B
DISTRIBUTION
$25.8B
Broad and Deep Distribution
Proprietary provides foundation; 3rd party provides accelerated growth 
Rankings and percentages as of 12/31/2014
Product Line
New Sales
1st 2nd 3rd Top 3
represent
NQ Life 33%
Retail Life 59%
Individual Disability Plus Group 39%
Group Benefits Gallagher 14%
Fixed Annuities 52%
Variable Annuities
KeyCorp Ins.
Agency 94%
Mutual Funds 23%
FSA – New Sales Assets 35%
FSA – New Sales Case
Counts
Edward D.
Jones 33%
32
DISTRIBUTION
Principal
Advisor
Network
Principal
Advisor
Network
Principal
Advisor
Network
Principal
Advisor
Network
Principal
Advisor
Network
Principal
Advisor
Network
Principal
Advisor
Network
Principal
Advisor
Network
• Serve clients in over 70 countries, including several 
major central banks and sovereign wealth funds
• Network of specialized investment boutiques 
managing assets for a broad range of investors 
around the world
• Manages:
– 61% of Full Service Accumulation assets
– 75% of Principal Funds assets
– 100% of Principal Life general account assets
• Office locations in major financial markets 
worldwide
• Long‐standing commitment to corporate 
stewardship
As of 09/30/2015
Principal Global Investors
Assets Under Management 
$324.3B
By Asset Class
33
Fixed
Income
$141B
Equity
$108B
Real
Estate
$61B
Alternatives
$14B
PRINCIPAL GLOBAL INVESTORS
At a Glance
Our Current Boutiques
(AUM as of 09/30/15)
Principal Global 
Equities
$63.3B
Principal Global 
Fixed Income
$86.5B
Private Real Estate
$37.6B
CMBS
$7.4B 
Origin Asset 
Management
$3.3B
Edge Asset 
Management1
$20.6B
Fixed IncomeEquities
REITs
$10.1B
Principal Enterprise 
Capital
$6.2B
Morley Financial 
Services
$16.9B
Spectrum Asset 
Management
$19.4B
Macro Currency 
Group
$7.8B
Post Advisory 
Group
$10.7B
Multi‐Asset 
Advisors
$0.9B2
Real Estate
Asset Allocation/ 
Alternatives
Finisterre Capital
$3.2B
Columbus Circle 
Investors
$14.4B
34
Principal Portfolio Strategies advised on $86.5B of AUM as of 09/30/2015. Most of that AUM is listed in the boutique values above.
CIMB AUM moved to Principal International as of 06/30/2015. Liongate Capital Management AUM not included.
1 Edge Asset Management advises on an additional $8.2B across  asset classes for Retirement and Investor Services.
2 Responsible for allocation decision‐making and implementation across a range of products and client portfolios, and for providing macro 
economic perspectives to guide allocations.  Multi‐Asset Advisors advise on an additional $27.5B managed by  multiple PGI boutiques.
PRINCIPAL GLOBAL INVESTORS
Aligned Investors
$15.8B
Asset Management Expertise Wins Mandates
$82.4 
$98.2 
$109.4  $114.0 
$120.2 
2011 2012 2013 2014 3Q15
Principal Global Investors
Unaffiliated AUM 
(in billions)
• Best Global Real Estate 
Fund over the 5‐year 
period 
(1)
• Top 10 Manager of Real 
Estate
(2)
• 15th Largest manager of
High Yield
(3)
• PFG ranked No.1 company 
among the Best Places to 
Work in Money 
Management(4)
Sources: (1) The Principal Real Estate Investors portfolio management team subadvises the Principal Global Real Estate Securities 
Fund‐Class l, which received the award from Lipper, Inc. for the third year in a row, March 2015. (2) Managers ranked by total 
worldwide real estate assets (net of leverage), as of June 30, 2015, “Largest Real Estate Managers”, PENSIONS & INVESTMENTS, 
October 19, 2015. (3) Managers ranked by U.S. institutional, tax‐exempt assets managed internally, as of 12/31/14 “Largest 
Money Managers”, Pensions & Investments, May 2015.  (4) Pensions & Investments, “The Best Places to Work in Money 
Management among companies with our size category”, PFG recognition 12/08/2014.(5) Managers ranked by total  assets under 
management.  America’s Top 300 Money Manager, Institutional Investor, July 2015, data as of 12/31/2014.  
35
PRINCIPAL GLOBAL INVESTORS
Strong Investment Performance
Morningstar Rankings 
Percentage of Principal Funds in the top two quartiles
85% 85%
88%
87% 87%
91%
86%
91% 91%
1‐Year 3‐Year 5‐Year
Sep. 30, 2014 Jun. 30, 2015 Sep. 30, 2015
36
Represents $164 billion of assets under management of which 75% is managed by Principal Global Investors. Principal “I” shares; if no “I”
share class then “A” share class; separate accounts use “R6” rate level; Includes Principal mutual funds, separate accounts and collective
investment trusts (CITs); Excludes money market, stable value and U.S. Property separate account.
PRINCIPAL GLOBAL INVESTORS
PRINCIPAL FINANCIAL
GROUP
Mexico (1993)
• Annuities, Mutual 
Funds, Pensions, 
Asset Management
• AUM of $10.5B
• Wholly owned
Chile (1995)
• Annuities, Mutual Funds,  Asset 
Management,  Mandatory Pensions, 
Voluntary Pensions 
• AUM of $37.8B
• Wholly owned
• Cuprum – a 98% owned joint venture
AUM of $32.6B
Brazil (1999)
• Annuities, Pensions, 
Mutual Funds, Asset 
Management
• Brasilprev – a 25%  
owned joint venture with 
Banco do Brasil
AUM of $35.3B
• Claritas – 71% indirectly 
owned mutual fund 
company
AUM of $0.9B
India (2000)
• Asset Management,   
Mutual Funds
• AUM of $0.7B
• 79% owned joint venture 
with Punjab National
Malaysia (2003)
• Conventional & Islamic Asset 
Management, Mutual Funds, 
Pensions
• AUM of $11.4B
• CIMB‐Principal – 40%  owned 
joint venture with CIMB 
Group; 50% owned Islamic 
company with CIMB 
China (2005)
• Asset Management, Mutual 
Funds 
• AUM of $41.5B
• CCB‐Principal – a 25% 
owned joint venture with 
China Construction Bank
Hong Kong (1996)
• Asset Management, Mutual 
Funds, Pensions
• AUM of $7.1B
• AXA – Transaction closed on 
9/1/2015 adding AUM of 
$3.1B
• Wholly owned 
Thailand (2010)
• Asset Management, Mutual Funds
• AUM of $2.2B
• Wholly owned subsidiary of Malaysian JV
Indonesia (2007)
• Asset Management,
Mutual Funds
• AUM of $0.3B
• Wholly owned
subsidiary of Malaysian
JV
Singapore (2006)
• Asset Management
• AUM of $1.8M
• Wholly owned subsidiary 
of Malaysian JV 
AUM as of 09/30/2015
PRINCIPAL INTERNATIONAL
37
We’re in the Right Countries
SOURCE:  IMF, Standard Chartered Research.
TEN LARGEST ECONOMIES BY DECADE
Current Principal International locations:      Asia Latin America 
38
1990
US$
trn
1 U.S. 5.9
2 Japan 3.1
3 Germany 1.7
4 France 1.2
5 Italy 1.1
6 UK 1.0
7 Canada 0.6
8 Spain 0.5
9 Brazil 0.5
10 China 0.4
2000
US$ 
trn
U.S. 10.3
Japan 4.7
Germany 1.9
UK 1.5
France 1.3
China 1.2
Italy 1.1
Canada 0.7
Brazil 0.6
Mexico 0.6
2010
US$
trn
U.S. 15.0
China 5.9
Japan 5.5
Germany 3.3
France 2.5
UK 2.3
Italy 2.0
Brazil 2.1
Canada 1.6
Russia 1.5
2020E
US$ 
trn
U.S. 23.5
China 21.9
Japan 6.1
Germany 5.1
India 4.5
Brazil 3.9
France 3.9
UK 3.7
Italy 2.7
Russia 2.6
2030E
US$ 
trn
China 53.8
U.S. 38.5
India 15.0
Japan 9.3
Germany 7.4
Brazil 6.3
UK 5.8
France 5.7
Indonesia 4.7
Russia 4.6
PRINCIPAL INTERNATIONAL
Joint Venture Partner
Partner’s Industry 
Ranking
Partner’s  Distribution Reach
Banco do Brasil
Largest bank in Latin 
America1
5,524 branches2
61 million customers2
2nd largest listed bank in 
world3
14,650 branches4
632 million retail customers4
5th largest banking group 
in ASEAN5
1,057 branches6
13 million retail customers5
3rd largest Nationalized 
bank in India7
6,081 branches8
89 million retail customers8
SOURCE: 1Relbanks.com December 2014 in terms of AUM; 2Banco do Brasil Annual Report 2014; 3Relbanks.com December 2014 
in terms of AUM; 4CCB 2014 annual report – customers based on retail debit cards; 5CIMB Group 2014 Annual report – ranking in 
terms of AUM; 6CIMB Group 2013 4Q Analyst Presentation; 7Indian Banks’ Association 2014 in terms of assets; 8PNBIndia.com in 
2014
Leveraging Strong Marquee Partners 
with Outstanding Distribution
39
PRINCIPAL INTERNATIONAL
Pensions
Mutual
Funds
Asset
Mgmt
Annuities
Brazil    
Chile    
Mexico    
China   
Hong
Kong
  
India   
Malaysia/
SE Asia
  
Our Markets and Product Offering
 = Where we
have a product
offering today
Targeted
Markets
 = Targeted
expansion
= 10% of market
share or Top 25% of
providers
40
PRINCIPAL INTERNATIONAL
41
Emerging Markets: The PI Story
We are in the right markets8% +4%
Inflation
GDP
3%
“Low Inflation/Strong Growth”“Low Inflation/Slow Growth”
“High Inflation/Slow Growth ”
“High Inflation/Strong Growth”
0
0
6% +
+
Mexico 
2.2%
GDP Growth
Mature Economies
India
Indonesia
Hong Kong
Brazil 
Chile
Malaysia
China
Thailand
(8.9% inflation)
(7.5% GDP)
Source: IMF. 2014 Estimates. 
Singapore
Brasilprev – an outlier:
Grew NCCF market share 
in a volatile market
+
PRINCIPAL INTERNATIONAL
BRAZIL MEXICO CHILE
Brasilprev: 
#1 in net 
deposits and 
total market
share
5th largest 
AFORE 
(by AUM)
#1 APV: 
PI Chile and 
Cuprum
PRINCIPAL IS 2ND LARGEST 
PENSION PROVIDER
IN LATIN AMERICA
Proven Strength & Success
42
Brazil source: Fenaprevi. 3/15.  Mexico source:  CONSAR & PROCESAR. 11/14.  Chile source: Asociacion de Administradóras de 
Fondos Mutuos De Chile.  10/14.  Principal is 2nd largest pension provider in Latin America by AUM among multi‐country pension 
providers.
Latin America
PRINCIPAL INTERNATIONAL
HONG KONG
Among Top Ten
MPF* Providers
Building a Strong Foundation
MALAYSIA
#2 in PRS
CHINA
Top Ten 
for Mutual Funds
INDIA
1st mover in advisory 
services business
43
*Mandatory Provident Fund. Malaysia source: Lipper. Percentage of market share as of 12/14. Hong Kong
source: Towers Watson. Based on AUM as of 9/14. China source: East Fortune. Based on AUM as of 12/14.
India source: Company data/media tracking at launch 11/12
PRINCIPAL INTERNATIONAL
Asia
Corporate Public
Bonds
27%
Corporate Private
Bonds
17%
Commercial
Mortgages
16%
CMBS
5%
Cash
3%
MBS
6%
ABS
5%
Government, Agency,
State & Political
10%
Other*
11%
Diversified Portfolio
$72.1 Billion
*  Other includes Equity Securities, Residential Mortgages, Real Estate, Policy Loans, Investment in Equity Method subs, 
Direct Finance Leases and Other Investments
44
Invested Assets & Cash
As of 09/30/15
GAAP carrying value
INVESTMENTS
• Liability‐driven investment 
approach 
• Active asset/liability management
• Optimized risk adjusted yields and 
returns
• High quality, well‐diversified 
portfolio
• Global collaboration and best 
practices
• Portfolio responsibility remains at 
local country
Investment Philosophy 
& Strategy
REMAINS THE SAME
Assets & Liabilities 
Performed as Expected
‐$600
‐$400
‐$200
$0
$200
$400
$600
$800
41275
41306
41334
41365
41395
41426
41456
41487
41518
41548
41579
41609
41640
41671
41699
41730
41760
41791
41821
41852
41883
41913
41944
41974
42005
42036
42064
42095
42125
42156
In millions
Actual net assets & liabilities Modeled net assets & liabilities
45
INVESTMENTS
Power of our Fee‐Based Model
OPERATING EARNINGS
Continual shift in mix of business leading to a higher ROE and more free cash flow
53%
15%
32%
Current
70%
15%
15%
2018E
Fee Spread Risk
46
Fee includes Full Service Accumulation, Mutual Funds, Principal Global Investors, Principal International.  
Spread includes Individual Annuities, Bank and Trust Services, Investment Only, Full Service Payout.  
Risk includes U.S. Insurance Solutions. 
30%
40%
30%
2001
FINANCIALS
40%
30%
30%
33%
33%
34%
Returning Capital to Shareholders
2007 Current 2018E
• Less capital needed to support organic growth
• Moving to higher dividend payout ratio
• Diligently pursuing active acquisition pipeline
• Opportunistically buying back shares
47
(Acquisitions & share buybacks)
Organic Growth Dividends          Available Capital
25%
25%
50%
FINANCIALS
Driving ROE 
Growth
OCI = Other Comprehensive Income.
As Reported 
2007
2014
Operating
earnings
$1.1B  $1.3B
Average 
equity (x‐OCI)
$6.5B  $9.3B 
Return on 
equity (x‐OCI) 
16.4% 14.2%
EARNINGS
+ 4‐5% for market 
performance
+ 4‐5% for growth 
from sales/NCF
+ 1‐2% operational 
efficiency
EQUITY
 Fee‐based growth
 Dividend growth
 Opportunistic
share repurchases
ROE =
50‐80 bps average annual 
ROE improvement
FINANCIALS
48
We’ve Played 
Offense Since 
Recession
Emerged from financial 
crisis in a position of 
strength and flexibility
Executing on our 
strategy to increase our 
global footprint and fee‐
based earnings
49
Opportunity
Year 
Announced Rationale
AXA Hong Kong
Pension
2014
 15 year exclusive distribution 
with 4,440 agents
 Gateway into China
2013
 Expand alternative asset class 
capabilities
2012
 Complete offering in Chile with 
marquee pension and savings 
franchise
2012
 Entry into Brazil mutual fund 
and asset management market
2011
 Enhance global equity 
investment capabilities
2011
 Establish leadership in 
emerging markets fixed income 
investing
AFORE 2011
 Solidify position as a leader in 
Mexican Afore market
BrasilPrev 2010
 23 year extension of successful 
JV with Banco do Brasil
FINANCIALS
Merger & Acquisition Criteria
• Mid‐teens IRR
• More accretive than buyback over 
time
1
2
3
STRATEGIC
ABILITY TO 
ONBOARD
DISCIPLINED 
PRICING
• Aligns with our core competencies
• Blend local talent with Principal 
expertise
• Synergies with multiple lines of 
business preferred
• Adds scale or a new niche
Have a diligent M&A process  that optimizes long‐term results 
50 IRR = Internal Rate of Return.
FINANCIALS
Capital Deployment
Strategic
Acquisitions:
$350M
Share
Repurchases:
$550M
2011 2012
Over $1.1 billion
in total
Allocated $2.1 billion
Common Stock
Dividends: $230M
Share Repurchases:
$300M
Strategic
Acquisitions:
$1,595M
2013
Allocated $480 million
Share
Repurchases:
$150M
Strategic Acquisition:
$44M
Common
Stock
Dividends:
$288M
Common Stock
Dividends: $215M
51
2014
Allocated $855 million
Share
Repurchases:
$200M
Strategic
Acquisition:
$180M
Surplus Note
Redemption: $100M
Common
Stock
Dividends:
$375M
Long term: expect to deploy 65–70 percent of our net income
with fluctuations in any given year
FINANCIALS
Capital Deployment
• As of today, we have deployed $885M of capital, outlined below:
− $330M in common stock dividends
 Paid 1Q15, 2Q15, and 3Q15 dividends of 36, 38, and 38 cents per
share respectively
− $200M shares repurchased
− $335M for AXA’s Hong Kong pension business
− $20M for increased ownership in PGI boutiques
• With the announced 4Q15 dividend of 38-cents, a 12% increase over 4Q14,
we have committed to deploy nearly $1B in 2015
• In addition, we accelerated our 2016 capital deployment plans by announcing
a new $150M share repurchase program
• Long term: expect to deploy 65–70 percent of our net income with fluctuations
in any given year
FINANCIALS
52
5‐Year 2015E
Accumulation
Net revenue 
growth 
6‐8% 4‐6%
Pre‐tax RONR 28‐32% 30‐33%
Guaranteed
Net revenue 
growth
6‐8% (2)‐2%
Pre‐tax RONR 75‐80% 78‐80%
Net revenue = operating revenues less benefits, claims & settlement expenses less dividends to policyholders.
RONR = Return on Net Revenue. Pre-tax operating margin = pre-tax operating earnings / premium and fees.
*Combined basis includes all Principal International companies at 100%.
Retirement & Investor Services
U.S. Insurance Solutions
5‐Year 2015E
Individual
Life
Premium & fee 
growth 
4‐8% 3‐5%
Pre‐tax operating 
margin
16‐21% 13‐16%
Specialty
Benefits
Premium & fee 
growth
8‐10% 6‐8%
Pre‐tax operating 
margin
8‐12% 10‐12%
Loss ratio 65‐71% 64‐70%
53
Key Business Drivers Outlook
5‐Year 2015E
Revenue growth  14‐17% 7‐10%
Pre‐tax margin 30+% 26‐28%
Principal Global Investors
Principal International
5‐Year 2015E
Combined* net revenue growth
(normalized local basis)
15‐20% 14‐16%
Combined net revenue growth
(in reported USD)
15‐20% 8‐10%
Combined pre‐tax RONR 55‐60% 50‐52%
Principal’s share of 
combined pre‐tax earnings
N/A 35%
Estimated After-tax operating losses for Corporate of $130-$150 million in 2015
FINANCIALS
(1) Excludes discontinued operations. (2) Diluted.  (3) Operating return on average equity excluding other 
comprehensive income, based on trailing 12 month period. 
2001 2014
CAGR
(’01-’14)
YTD
3Q14
YTD
3Q15
Change
Operating Earnings(1) 
($M)
$433 $1,318 9% $993.9 $967.3 ‐3%
Earnings Per Share(2) $1.20 $4.41 10.5% $3.33 $3.24 ‐3%
Assets Under 
Management ($B) 
$98 $519 14% $514 $516 0%
ROE (TTM)(3) 6.9% 14.2% +730 bps 14.1% 13.2% ‐90 bps
Book Value Per Share 
(x‐OCI)
$17.81 $32.64 5% $32.00 $34.56 8%
S&P 500 1,148 2,059 5% 1,972 1,920 ‐3%
Results Demonstrate Relative Strength of 
Our Business Model
54
FINANCIALS
Exhibit 1 Principal Financial Group, Inc.
Non-GAAP Financial Measure Reconciliations
(in millions, except as indicated)
Three Months Ended, Nine Months Ended,
30-Sep-15 30-Jun-15 31-Mar-15 31-Dec-14 30-Sep-14 30-Sep-15 30-Sep-14
Stockholders' Equity x-OCI Available to Common Stockholders:
Retirement and Investor Services 3,174.5$ 3,192.1$ 3,145.1$ 3,124.0$ 3,194.4$ 3,174.5$ 3,194.4$
Principal Global Investors 621.0 619.7 609.8 602.8 638.1 621.0 638.1
Principal International 3,973.7 3,625.2 3,584.4 3,463.4 3,430.9 3,973.7 3,430.9
U.S. Insurance Solutions 2,470.0 2,398.9 2,333.4 2,288.0 2,342.7 2,470.0 2,342.7
Corporate (94.5) 184.1 179.9 113.4 (211.8) (94.5) (211.8)
Total stockholders' equity x-OCI available to common stockholders: 10,144.7 10,020.0 9,852.6 9,591.6 9,394.3 10,144.7 9,394.3
Net unrealized capital gains (losses) 967.2 927.6 1,246.7 1,148.3 1,088.4 967.2 1,088.4
Foreign currency translation (1,116.4) (867.1) (819.6) (686.8) (563.1) (1,116.4) (563.1)
Net unrecognized postretirement benefit obligations (375.2) (387.1) (399.1) (411.1) (145.2) (375.2) (145.2)
Preferred stock, at par - - 0.1 0.1 0.1 - 0.1
Paid in capital - preferred stock - - 541.9 541.9 541.9 - 541.9
Noncontrolling interest 65.5 69.2 69.5 48.0 52.6 65.5 52.6
Total stockholders' equity 9,685.8$ 9,762.6$ 10,492.1$ 10,232.0$ 10,369.0$ 9,685.8$ 10,369.0$
Book Value Per Common Share x-OCI:
Book value x-OCI 34.56$ 34.00$ 33.47$ 32.64$ 32.00 34.56 32.00
Net unrealized capital gains (losses) 3.30 3.14 4.23 3.91 3.70 3.30 3.70
Foreign currency translation (3.80) (2.94) (2.78) (2.34) (1.92) (3.80) (1.92)
Net unrecognized postretirement benefit obligations (1.28) (1.31) (1.36) (1.40) (0.49) (1.28) (0.49)
Book Value Per Common Share including OCI 32.78$ 32.89$ 33.56$ 32.81$ 33.29$ 32.78$ 33.29$
Operating Earnings (Losses):
Retirement and Investor Services 163.3$ 216.7$ 210.9$ 195.2$ 204.3$ 590.9$ 632.9$
Principal Global Investors 30.4 31.5 30.7 36.4 25.3 92.6 79.6
Principal International 45.8 59.3 59.9 62.9 73.8 165.0 205.1
U.S. Insurance Solutions 114.5 58.8 55.1 55.6 83.3 228.4 175.7
Corporate (37.0) (42.4) (30.2) (26.1) (33.0) (109.6) (99.4)
Total operating earnings (losses) 317.0 323.9 326.4 324.0 353.7 967.3 993.9
Net realized capital gains (losses) (16.5) (82.8) 13.1 (53.2) (55.2) (86.2) (47.3)
Other after-tax adjustments (0.1) - 74.7 (0.4) (57.8) 74.6 (105.9)
Net Income (Loss) Available to Common Stockholders 300.4$ 241.1$ 414.2$ 270.4$ 240.7$ 955.7$ 840.7$
Operating Revenues:
Retirement and Investor Services 1,957.5$ 2,108.6$ 1,319.4$ 1,672.3$ 1,324.7$ 5,385.5$ 3,851.0$
Principal Global Investors 182.8 188.4 186.6 208.0 173.6 557.8 517.9
Principal International 311.2 315.0 236.2 323.2 294.5 862.4 952.2
U.S. Insurance Solutions 853.2 857.8 861.7 825.8 821.0 2,572.7 2,436.8
Corporate (69.0) (63.0) (59.3) (69.1) (61.1) (191.3) (163.3)
Total operating revenues 3,235.7 3,406.8 2,544.6 2,960.2 2,552.7 9,187.1 7,594.6
Net realized capital gains (losses), net of related revenue
adjustments 4.8 (141.3) 45.6 (52.4) (68.2) (90.9) (25.0)
Other income on an indemnified uncertain tax position - (6.7) 66.9 - - 60.2 -
Exited group medical insurance buisness 0.4 0.4 0.2 0.2 (0.2) 1.0 -
Total GAAP Revenues 3,240.9$ 3,259.2$ 2,657.3$ 2,908.0$ 2,484.3$ 9,157.4$ 7,569.6$
Exhibit 2 Principal Financial Group, Inc.
Non-GAAP Financial Measure Reconciliations
(in millions, except as indicated)
Three Months Ended, Nine Months Ended,
30-Sep-15 30-Jun-15 31-Mar-15 31-Dec-14 30-Sep-14 30-Sep-15 30-Sep-14
Operating Earnings ROE (x-OCI):
Retirement and Investor Services 24.7% 25.7% 25.6% 25.5% 24.3% 24.7% 24.3%
Principal Global Investors 20.5% 23.0% 22.3% 21.2% 19.2% 20.5% 19.2%
Principal International 6.2% 7.2% 7.6% 7.8% 7.9% 6.2% 7.9%
U.S. Insurance Solutions 11.8% 11.2% 10.7% 10.6% 10.5% 11.8% 10.5%
Corporate N/M N/M N/M N/M N/M N/M N/M
Total operating earnings ROE (x-OCI) 13.2% 13.8% 14.0% 14.2% 14.1% 13.2% 14.1%
Net realized capital gains (losses) -1.5% -1.9% -0.7% -1.1% -1.1% -1.5% -1.1%
Other after-tax adjustments 0.8% 0.2% -0.3% -1.1% -1.2% 0.8% -1.2%
Net income ROE available to common stockholders (x-OCI) 12.5% 12.1% 13.0% 12.0% 11.8% 12.5% 11.8%
Net unrealized capital gains (losses) -1.2% -1.2% -1.3% -1.1% -1.1% -1.2% -1.1%
Foreign currency translation 1.0% 0.7% 0.7% 0.6% 0.5% 1.0% 0.5%
Net unrecognized postretirement benefit obligation 0.3% 0.3% 0.3% 0.3% 0.4% 0.3% 0.4%
Net Income ROE Available to Common Stockholders (including OCI) 12.6% 11.9% 12.7% 11.8% 11.6% 12.6% 11.6%
Net Realized Capital Gains (Losses):
Total net realized capital gains (losses) (16.5)$ (82.8)$ 13.1$ (53.2)$ (55.2)$ (86.2)$ (47.3)$
Certain derivative and hedging-related adjustments 34.2 26.4 19.7 26.4 21.9 80.3 66.4
Amortization of deferred acquisition costs and other actuarial balances 28.6 (16.2) 16.0 22.5 3.6 28.4 26.8
Certain market value adjustments of embedded derivatives 1.1 - 0.9 1.2 (5.7) 2.0 (6.0)
Capital gains distributed (12.9) 2.9 (4.8) 3.1 8.8 (14.8) 18.1
Noncontrolling interest capital gains (losses) 3.7 (0.8) 2.8 0.8 0.1 5.7 0.2
Tax impacts 0.9 (44.4) 17.6 (26.8) (19.8) (25.9) (16.8)
Recognition of front-end fee revenues (0.1) 0.3 (0.2) (0.3) (0.1) - (0.4)
Net realized capital gains (losses) associated with exited group medical
insurance business (0.1) - - - - (0.1) -
Certain market value adjustments to fee revenues - - 1.1 - - 1.1 -
Certain adjustments related to seed money (0.5) - - - - (0.5) -
GAAP Net Realized Capital Gains (Losses) 38.4$ (114.6)$ 66.2$ (26.3)$ (46.4)$ (10.0)$ 41.0$
Other After-Tax Adjustments:
Exited group medical insurance business (0.1)$ -$ (0.2)$ (0.4)$ 0.3$ (0.3)$ (0.3)$
Impact of a court ruling on some uncertain tax positions - - (30.3) - - (30.3) (47.5)
Impact of enactment of tax legislation in Chile - - - - (58.1) - (58.1)
Change in deferred tax balances related to merged Chilean entities - - 105.2 - - 105.2 -
Contribution to Principal Financial Group Foundation, Inc. - - - - - - -
Early extinguishment of debt - - - - - - -
Total Other After-Tax Adjustments (0.1)$ -$ 74.7$ (0.4)$ (57.8)$ 74.6$ (105.9)$

More Related Content

What's hot

3Q 2016 Earnings Conference Call Presentation
3Q 2016 Earnings Conference Call Presentation3Q 2016 Earnings Conference Call Presentation
3Q 2016 Earnings Conference Call Presentation
investors_principalfinancial
 
Aimia Q1 2016 Financial Highlights Presentation
Aimia Q1 2016 Financial Highlights PresentationAimia Q1 2016 Financial Highlights Presentation
Aimia Q1 2016 Financial Highlights Presentation
Aimia's Investor Presentations
 
Aimia Q2 2016 Financial Highlights Presentation
Aimia Q2 2016 Financial Highlights PresentationAimia Q2 2016 Financial Highlights Presentation
Aimia Q2 2016 Financial Highlights Presentation
Aimia's Investor Presentations
 
4Q 2016 Earnings Conference Call Presentation
4Q 2016 Earnings Conference Call Presentation 4Q 2016 Earnings Conference Call Presentation
4Q 2016 Earnings Conference Call Presentation
investors_principalfinancial
 
2 q13 earnings-call-slides
2 q13 earnings-call-slides2 q13 earnings-call-slides
2 q13 earnings-call-slides
investors_principalfinancial
 
3Q 2017 Earnings Conference Call Presentation
3Q 2017 Earnings Conference Call Presentation 3Q 2017 Earnings Conference Call Presentation
3Q 2017 Earnings Conference Call Presentation
investors_principalfinancial
 
Aimia Q3 2016 Financial Highlights Presentation
Aimia Q3 2016 Financial Highlights PresentationAimia Q3 2016 Financial Highlights Presentation
Aimia Q3 2016 Financial Highlights Presentation
Aimia's Investor Presentations
 
1Q 2015 Earnings Conference Call Presentation
1Q 2015 Earnings Conference Call Presentation1Q 2015 Earnings Conference Call Presentation
1Q 2015 Earnings Conference Call Presentation
investors_principalfinancial
 
The Principal Financial Group 101
The Principal Financial Group 101The Principal Financial Group 101
The Principal Financial Group 101
investors_principalfinancial
 
1Q 2017 Earnings Conference Call Presentation
1Q 2017 Earnings Conference Call Presentation 1Q 2017 Earnings Conference Call Presentation
1Q 2017 Earnings Conference Call Presentation
investors_principalfinancial
 
2Q 2016 Earnings Conference Call Presentation
 2Q 2016 Earnings Conference Call Presentation 2Q 2016 Earnings Conference Call Presentation
2Q 2016 Earnings Conference Call Presentation
investors_principalfinancial
 
4Q 2017 Earnings Conference Call Presentation
4Q 2017 Earnings Conference Call Presentation 4Q 2017 Earnings Conference Call Presentation
4Q 2017 Earnings Conference Call Presentation
investors_principalfinancial
 
First Quarter 2014 Earnings Call Presentation - Principal Financial Group
First Quarter 2014 Earnings Call Presentation - Principal Financial GroupFirst Quarter 2014 Earnings Call Presentation - Principal Financial Group
First Quarter 2014 Earnings Call Presentation - Principal Financial Group
investors_principalfinancial
 
Aimia Q4 2015 Financial Highlights Presentation
Aimia Q4 2015 Financial Highlights PresentationAimia Q4 2015 Financial Highlights Presentation
Aimia Q4 2015 Financial Highlights Presentation
Aimia's Investor Presentations
 
Q3 2017 Financial Highlights
Q3 2017 Financial HighlightsQ3 2017 Financial Highlights
Q3 2017 Financial Highlights
Aimia's Investor Presentations
 
2Q 2014 Earnings Conference Call Presentation
2Q 2014 Earnings Conference Call Presentation2Q 2014 Earnings Conference Call Presentation
2Q 2014 Earnings Conference Call Presentation
investors_principalfinancial
 
Q1 presentation v6
Q1 presentation v6Q1 presentation v6
Q1 presentation v6
Corning_Owens
 
Sem group earnings presentation 4q and fy 2017 final
Sem group earnings presentation 4q and fy 2017 finalSem group earnings presentation 4q and fy 2017 final
Sem group earnings presentation 4q and fy 2017 final
SemGroupCorporation
 
The Principal Financial Group 101
The Principal Financial Group 101The Principal Financial Group 101
The Principal Financial Group 101
investors_principalfinancial
 
Aimia's Q4 and full year 2014 results
 Aimia's Q4 and full year 2014 results Aimia's Q4 and full year 2014 results
Aimia's Q4 and full year 2014 results
Aimia's Investor Presentations
 

What's hot (20)

3Q 2016 Earnings Conference Call Presentation
3Q 2016 Earnings Conference Call Presentation3Q 2016 Earnings Conference Call Presentation
3Q 2016 Earnings Conference Call Presentation
 
Aimia Q1 2016 Financial Highlights Presentation
Aimia Q1 2016 Financial Highlights PresentationAimia Q1 2016 Financial Highlights Presentation
Aimia Q1 2016 Financial Highlights Presentation
 
Aimia Q2 2016 Financial Highlights Presentation
Aimia Q2 2016 Financial Highlights PresentationAimia Q2 2016 Financial Highlights Presentation
Aimia Q2 2016 Financial Highlights Presentation
 
4Q 2016 Earnings Conference Call Presentation
4Q 2016 Earnings Conference Call Presentation 4Q 2016 Earnings Conference Call Presentation
4Q 2016 Earnings Conference Call Presentation
 
2 q13 earnings-call-slides
2 q13 earnings-call-slides2 q13 earnings-call-slides
2 q13 earnings-call-slides
 
3Q 2017 Earnings Conference Call Presentation
3Q 2017 Earnings Conference Call Presentation 3Q 2017 Earnings Conference Call Presentation
3Q 2017 Earnings Conference Call Presentation
 
Aimia Q3 2016 Financial Highlights Presentation
Aimia Q3 2016 Financial Highlights PresentationAimia Q3 2016 Financial Highlights Presentation
Aimia Q3 2016 Financial Highlights Presentation
 
1Q 2015 Earnings Conference Call Presentation
1Q 2015 Earnings Conference Call Presentation1Q 2015 Earnings Conference Call Presentation
1Q 2015 Earnings Conference Call Presentation
 
The Principal Financial Group 101
The Principal Financial Group 101The Principal Financial Group 101
The Principal Financial Group 101
 
1Q 2017 Earnings Conference Call Presentation
1Q 2017 Earnings Conference Call Presentation 1Q 2017 Earnings Conference Call Presentation
1Q 2017 Earnings Conference Call Presentation
 
2Q 2016 Earnings Conference Call Presentation
 2Q 2016 Earnings Conference Call Presentation 2Q 2016 Earnings Conference Call Presentation
2Q 2016 Earnings Conference Call Presentation
 
4Q 2017 Earnings Conference Call Presentation
4Q 2017 Earnings Conference Call Presentation 4Q 2017 Earnings Conference Call Presentation
4Q 2017 Earnings Conference Call Presentation
 
First Quarter 2014 Earnings Call Presentation - Principal Financial Group
First Quarter 2014 Earnings Call Presentation - Principal Financial GroupFirst Quarter 2014 Earnings Call Presentation - Principal Financial Group
First Quarter 2014 Earnings Call Presentation - Principal Financial Group
 
Aimia Q4 2015 Financial Highlights Presentation
Aimia Q4 2015 Financial Highlights PresentationAimia Q4 2015 Financial Highlights Presentation
Aimia Q4 2015 Financial Highlights Presentation
 
Q3 2017 Financial Highlights
Q3 2017 Financial HighlightsQ3 2017 Financial Highlights
Q3 2017 Financial Highlights
 
2Q 2014 Earnings Conference Call Presentation
2Q 2014 Earnings Conference Call Presentation2Q 2014 Earnings Conference Call Presentation
2Q 2014 Earnings Conference Call Presentation
 
Q1 presentation v6
Q1 presentation v6Q1 presentation v6
Q1 presentation v6
 
Sem group earnings presentation 4q and fy 2017 final
Sem group earnings presentation 4q and fy 2017 finalSem group earnings presentation 4q and fy 2017 final
Sem group earnings presentation 4q and fy 2017 final
 
The Principal Financial Group 101
The Principal Financial Group 101The Principal Financial Group 101
The Principal Financial Group 101
 
Aimia's Q4 and full year 2014 results
 Aimia's Q4 and full year 2014 results Aimia's Q4 and full year 2014 results
Aimia's Q4 and full year 2014 results
 

Similar to The Principal Financial Group 101

EY Technical Line - update on non-GAAP financial measures
EY Technical Line - update on non-GAAP financial measuresEY Technical Line - update on non-GAAP financial measures
EY Technical Line - update on non-GAAP financial measures
Julien Boucher
 
Anixter November 2016 Investor Presentation
Anixter November 2016 Investor PresentationAnixter November 2016 Investor Presentation
Anixter November 2016 Investor Presentation
anixterir
 
February 2017 investor presentation
February 2017 investor presentationFebruary 2017 investor presentation
February 2017 investor presentation
anixterir
 
Financial Information For Lending Decisions
Financial Information For Lending DecisionsFinancial Information For Lending Decisions
Financial Information For Lending Decisions
rgmcpa
 
August 2017 investor presentation final
August 2017 investor presentation finalAugust 2017 investor presentation final
August 2017 investor presentation final
anixterir
 
August 2017 investor presentation lm
August 2017 investor presentation   lmAugust 2017 investor presentation   lm
August 2017 investor presentation lm
anixterir
 
Finmgt assignment.
Finmgt assignment.Finmgt assignment.
Finmgt assignment.
Simba Nyakudanga
 
Anixter March 2017 Investor Presentation
Anixter March 2017 Investor PresentationAnixter March 2017 Investor Presentation
Anixter March 2017 Investor Presentation
anixterir
 
May 2017 investor presentation
May 2017 investor presentationMay 2017 investor presentation
May 2017 investor presentation
anixterir
 
EY - SEC reporting update - 2017 trends in SEC comment letters
EY - SEC reporting update - 2017 trends in SEC comment lettersEY - SEC reporting update - 2017 trends in SEC comment letters
EY - SEC reporting update - 2017 trends in SEC comment letters
Julien Boucher
 
August 2017 investor presentation V2
August 2017 investor presentation V2August 2017 investor presentation V2
August 2017 investor presentation V2
anixterir
 
Management Accounting-UNIT-2.pptx
Management Accounting-UNIT-2.pptxManagement Accounting-UNIT-2.pptx
Management Accounting-UNIT-2.pptx
KshitizBhargava
 
Aimia Q2 2015 Financial Highlights Presentation
Aimia Q2 2015 Financial Highlights PresentationAimia Q2 2015 Financial Highlights Presentation
Aimia Q2 2015 Financial Highlights Presentation
Aimia's Investor Presentations
 
Aimia Q3 2015 Financial Highlights Presentation
Aimia Q3 2015 Financial Highlights PresentationAimia Q3 2015 Financial Highlights Presentation
Aimia Q3 2015 Financial Highlights Presentation
Aimia's Investor Presentations
 
What is kpi
What is kpiWhat is kpi
What is kpi
Niyah15
 
Performance evaluation samples
Performance evaluation samplesPerformance evaluation samples
Performance evaluation samples
myrobben
 
Strategic management
Strategic managementStrategic management
Strategic management
kushan e
 
Management accounting by unity tutorials
Management accounting by unity tutorialsManagement accounting by unity tutorials
Management accounting by unity tutorials
HARSH BAZAJ
 
CV Hemant Kumar
CV Hemant KumarCV Hemant Kumar
CV Hemant Kumar
Hemant Kumar
 
Ch 01
Ch 01Ch 01

Similar to The Principal Financial Group 101 (20)

EY Technical Line - update on non-GAAP financial measures
EY Technical Line - update on non-GAAP financial measuresEY Technical Line - update on non-GAAP financial measures
EY Technical Line - update on non-GAAP financial measures
 
Anixter November 2016 Investor Presentation
Anixter November 2016 Investor PresentationAnixter November 2016 Investor Presentation
Anixter November 2016 Investor Presentation
 
February 2017 investor presentation
February 2017 investor presentationFebruary 2017 investor presentation
February 2017 investor presentation
 
Financial Information For Lending Decisions
Financial Information For Lending DecisionsFinancial Information For Lending Decisions
Financial Information For Lending Decisions
 
August 2017 investor presentation final
August 2017 investor presentation finalAugust 2017 investor presentation final
August 2017 investor presentation final
 
August 2017 investor presentation lm
August 2017 investor presentation   lmAugust 2017 investor presentation   lm
August 2017 investor presentation lm
 
Finmgt assignment.
Finmgt assignment.Finmgt assignment.
Finmgt assignment.
 
Anixter March 2017 Investor Presentation
Anixter March 2017 Investor PresentationAnixter March 2017 Investor Presentation
Anixter March 2017 Investor Presentation
 
May 2017 investor presentation
May 2017 investor presentationMay 2017 investor presentation
May 2017 investor presentation
 
EY - SEC reporting update - 2017 trends in SEC comment letters
EY - SEC reporting update - 2017 trends in SEC comment lettersEY - SEC reporting update - 2017 trends in SEC comment letters
EY - SEC reporting update - 2017 trends in SEC comment letters
 
August 2017 investor presentation V2
August 2017 investor presentation V2August 2017 investor presentation V2
August 2017 investor presentation V2
 
Management Accounting-UNIT-2.pptx
Management Accounting-UNIT-2.pptxManagement Accounting-UNIT-2.pptx
Management Accounting-UNIT-2.pptx
 
Aimia Q2 2015 Financial Highlights Presentation
Aimia Q2 2015 Financial Highlights PresentationAimia Q2 2015 Financial Highlights Presentation
Aimia Q2 2015 Financial Highlights Presentation
 
Aimia Q3 2015 Financial Highlights Presentation
Aimia Q3 2015 Financial Highlights PresentationAimia Q3 2015 Financial Highlights Presentation
Aimia Q3 2015 Financial Highlights Presentation
 
What is kpi
What is kpiWhat is kpi
What is kpi
 
Performance evaluation samples
Performance evaluation samplesPerformance evaluation samples
Performance evaluation samples
 
Strategic management
Strategic managementStrategic management
Strategic management
 
Management accounting by unity tutorials
Management accounting by unity tutorialsManagement accounting by unity tutorials
Management accounting by unity tutorials
 
CV Hemant Kumar
CV Hemant KumarCV Hemant Kumar
CV Hemant Kumar
 
Ch 01
Ch 01Ch 01
Ch 01
 

More from investors_principalfinancial

3Q 2019 Earnings Conference Call Presentation
3Q 2019 Earnings Conference Call Presentation 3Q 2019 Earnings Conference Call Presentation
3Q 2019 Earnings Conference Call Presentation
investors_principalfinancial
 
2Q 2019 Earnings Conference Call Presentation
2Q 2019 Earnings Conference Call Presentation 2Q 2019 Earnings Conference Call Presentation
2Q 2019 Earnings Conference Call Presentation
investors_principalfinancial
 
1Q 2019 Earnings Conference Call Presentation
1Q 2019 Earnings Conference Call Presentation 1Q 2019 Earnings Conference Call Presentation
1Q 2019 Earnings Conference Call Presentation
investors_principalfinancial
 
4Q 2018 Earnings Conference Call Presentation
4Q 2018 Earnings Conference Call Presentation 4Q 2018 Earnings Conference Call Presentation
4Q 2018 Earnings Conference Call Presentation
investors_principalfinancial
 
3Q 2018 Earnings Conference Call Presentation
3Q 2018 Earnings Conference Call Presentation 3Q 2018 Earnings Conference Call Presentation
3Q 2018 Earnings Conference Call Presentation
investors_principalfinancial
 
2Q 2018 Earnings Conference Call Presentation
2Q 2018 Earnings Conference Call Presentation 2Q 2018 Earnings Conference Call Presentation
2Q 2018 Earnings Conference Call Presentation
investors_principalfinancial
 
1Q 2018 Earnings Conference Call Presentation
1Q 2018 Earnings Conference Call Presentation 1Q 2018 Earnings Conference Call Presentation
1Q 2018 Earnings Conference Call Presentation
investors_principalfinancial
 
Principal Investor Workshop 2017
Principal Investor Workshop 2017Principal Investor Workshop 2017
Principal Investor Workshop 2017
investors_principalfinancial
 
2Q 2017 Earnings Conference Call Presentation
2Q 2017 Earnings Conference Call Presentation 2Q 2017 Earnings Conference Call Presentation
2Q 2017 Earnings Conference Call Presentation
investors_principalfinancial
 
The Principal Financial Group 101: May 2017
The Principal Financial Group 101: May 2017The Principal Financial Group 101: May 2017
The Principal Financial Group 101: May 2017
investors_principalfinancial
 
The Principal Financial Group 101
The Principal Financial Group 101The Principal Financial Group 101
The Principal Financial Group 101
investors_principalfinancial
 
Principal Financial Group 101
Principal Financial Group 101Principal Financial Group 101
Principal Financial Group 101
investors_principalfinancial
 
Principal Investor Day 2016
Principal Investor Day 2016Principal Investor Day 2016
Principal Investor Day 2016
investors_principalfinancial
 
1Q 2016 Earnings Conference Call Presentation
1Q 2016 Earnings Conference Call Presentation1Q 2016 Earnings Conference Call Presentation
1Q 2016 Earnings Conference Call Presentation
investors_principalfinancial
 
4Q 2015 Earnings Conference Call Presentation
4Q 2015 Earnings Conference Call Presentation4Q 2015 Earnings Conference Call Presentation
4Q 2015 Earnings Conference Call Presentation
investors_principalfinancial
 
Principal Financial Group Investor Workshop 2015
Principal Financial Group Investor Workshop 2015Principal Financial Group Investor Workshop 2015
Principal Financial Group Investor Workshop 2015
investors_principalfinancial
 
The Principal Financial Group 101
The Principal Financial Group 101The Principal Financial Group 101
The Principal Financial Group 101
investors_principalfinancial
 
First Quarter 2015 Earnings Call Presentation
First Quarter 2015 Earnings Call PresentationFirst Quarter 2015 Earnings Call Presentation
First Quarter 2015 Earnings Call Presentation
investors_principalfinancial
 

More from investors_principalfinancial (18)

3Q 2019 Earnings Conference Call Presentation
3Q 2019 Earnings Conference Call Presentation 3Q 2019 Earnings Conference Call Presentation
3Q 2019 Earnings Conference Call Presentation
 
2Q 2019 Earnings Conference Call Presentation
2Q 2019 Earnings Conference Call Presentation 2Q 2019 Earnings Conference Call Presentation
2Q 2019 Earnings Conference Call Presentation
 
1Q 2019 Earnings Conference Call Presentation
1Q 2019 Earnings Conference Call Presentation 1Q 2019 Earnings Conference Call Presentation
1Q 2019 Earnings Conference Call Presentation
 
4Q 2018 Earnings Conference Call Presentation
4Q 2018 Earnings Conference Call Presentation 4Q 2018 Earnings Conference Call Presentation
4Q 2018 Earnings Conference Call Presentation
 
3Q 2018 Earnings Conference Call Presentation
3Q 2018 Earnings Conference Call Presentation 3Q 2018 Earnings Conference Call Presentation
3Q 2018 Earnings Conference Call Presentation
 
2Q 2018 Earnings Conference Call Presentation
2Q 2018 Earnings Conference Call Presentation 2Q 2018 Earnings Conference Call Presentation
2Q 2018 Earnings Conference Call Presentation
 
1Q 2018 Earnings Conference Call Presentation
1Q 2018 Earnings Conference Call Presentation 1Q 2018 Earnings Conference Call Presentation
1Q 2018 Earnings Conference Call Presentation
 
Principal Investor Workshop 2017
Principal Investor Workshop 2017Principal Investor Workshop 2017
Principal Investor Workshop 2017
 
2Q 2017 Earnings Conference Call Presentation
2Q 2017 Earnings Conference Call Presentation 2Q 2017 Earnings Conference Call Presentation
2Q 2017 Earnings Conference Call Presentation
 
The Principal Financial Group 101: May 2017
The Principal Financial Group 101: May 2017The Principal Financial Group 101: May 2017
The Principal Financial Group 101: May 2017
 
The Principal Financial Group 101
The Principal Financial Group 101The Principal Financial Group 101
The Principal Financial Group 101
 
Principal Financial Group 101
Principal Financial Group 101Principal Financial Group 101
Principal Financial Group 101
 
Principal Investor Day 2016
Principal Investor Day 2016Principal Investor Day 2016
Principal Investor Day 2016
 
1Q 2016 Earnings Conference Call Presentation
1Q 2016 Earnings Conference Call Presentation1Q 2016 Earnings Conference Call Presentation
1Q 2016 Earnings Conference Call Presentation
 
4Q 2015 Earnings Conference Call Presentation
4Q 2015 Earnings Conference Call Presentation4Q 2015 Earnings Conference Call Presentation
4Q 2015 Earnings Conference Call Presentation
 
Principal Financial Group Investor Workshop 2015
Principal Financial Group Investor Workshop 2015Principal Financial Group Investor Workshop 2015
Principal Financial Group Investor Workshop 2015
 
The Principal Financial Group 101
The Principal Financial Group 101The Principal Financial Group 101
The Principal Financial Group 101
 
First Quarter 2015 Earnings Call Presentation
First Quarter 2015 Earnings Call PresentationFirst Quarter 2015 Earnings Call Presentation
First Quarter 2015 Earnings Call Presentation
 

Recently uploaded

Collective Mining | Corporate Presentation - June 2024
Collective Mining  | Corporate Presentation - June 2024Collective Mining  | Corporate Presentation - June 2024
Collective Mining | Corporate Presentation - June 2024
CollectiveMining1
 
Corporate Presentation Probe June 2024.pdf
Corporate Presentation Probe June 2024.pdfCorporate Presentation Probe June 2024.pdf
Corporate Presentation Probe June 2024.pdf
Probe Gold
 
UnityNet World Environment Day Abraham Project 2024 Press Release
UnityNet World Environment Day Abraham Project 2024 Press ReleaseUnityNet World Environment Day Abraham Project 2024 Press Release
UnityNet World Environment Day Abraham Project 2024 Press Release
LHelferty
 
Mandalay Resouces June 2024 Investor Relations PPT
Mandalay Resouces June 2024 Investor Relations PPTMandalay Resouces June 2024 Investor Relations PPT
Mandalay Resouces June 2024 Investor Relations PPT
MandalayResources
 
Osisko Gold Royalties Ltd - Corporate Presentation, June 12, 2024
Osisko Gold Royalties Ltd - Corporate Presentation, June 12, 2024Osisko Gold Royalties Ltd - Corporate Presentation, June 12, 2024
Osisko Gold Royalties Ltd - Corporate Presentation, June 12, 2024
Osisko Gold Royalties Ltd
 
一比一原版(UAL毕业证)伦敦艺术大学毕业证如何办理
一比一原版(UAL毕业证)伦敦艺术大学毕业证如何办理一比一原版(UAL毕业证)伦敦艺术大学毕业证如何办理
一比一原版(UAL毕业证)伦敦艺术大学毕业证如何办理
nupyb
 
AGM Presentation Probe June 11 Final.pdf
AGM Presentation Probe June 11 Final.pdfAGM Presentation Probe June 11 Final.pdf
AGM Presentation Probe June 11 Final.pdf
Probe Gold
 
Methanex Investor Presentation - April 2024
Methanex Investor Presentation - April 2024Methanex Investor Presentation - April 2024
Methanex Investor Presentation - April 2024
Methanex Corporation
 
Cyberagent_For New Investors_EN_240424.pdf
Cyberagent_For New Investors_EN_240424.pdfCyberagent_For New Investors_EN_240424.pdf
Cyberagent_For New Investors_EN_240424.pdf
CyberAgent, Inc.
 
mba project CRED.docx report for students final year
mba project CRED.docx report for students final yearmba project CRED.docx report for students final year
mba project CRED.docx report for students final year
JyothisaiBhavya4
 
Cleades robinson:The Diplomat is Blue
Cleades robinson:The Diplomat is BlueCleades robinson:The Diplomat is Blue
Cleades robinson:The Diplomat is Blue
Cleades Robinson
 
Cove Multifamily Income Fund 28 LLC IOI 3.3.2021 (1).pdf
Cove Multifamily Income Fund 28 LLC IOI 3.3.2021 (1).pdfCove Multifamily Income Fund 28 LLC IOI 3.3.2021 (1).pdf
Cove Multifamily Income Fund 28 LLC IOI 3.3.2021 (1).pdf
kboyd6
 
快速办理(CUBoulder毕业证书)科罗拉多大学博尔德分校毕业证录取通知书一模一样
快速办理(CUBoulder毕业证书)科罗拉多大学博尔德分校毕业证录取通知书一模一样快速办理(CUBoulder毕业证书)科罗拉多大学博尔德分校毕业证录取通知书一模一样
快速办理(CUBoulder毕业证书)科罗拉多大学博尔德分校毕业证录取通知书一模一样
f3wjr2q2
 
ZKsync airdrop of 3.6 billion ZK tokens is scheduled by ZKsync for next week.pdf
ZKsync airdrop of 3.6 billion ZK tokens is scheduled by ZKsync for next week.pdfZKsync airdrop of 3.6 billion ZK tokens is scheduled by ZKsync for next week.pdf
ZKsync airdrop of 3.6 billion ZK tokens is scheduled by ZKsync for next week.pdf
SOFTTECHHUB
 

Recently uploaded (14)

Collective Mining | Corporate Presentation - June 2024
Collective Mining  | Corporate Presentation - June 2024Collective Mining  | Corporate Presentation - June 2024
Collective Mining | Corporate Presentation - June 2024
 
Corporate Presentation Probe June 2024.pdf
Corporate Presentation Probe June 2024.pdfCorporate Presentation Probe June 2024.pdf
Corporate Presentation Probe June 2024.pdf
 
UnityNet World Environment Day Abraham Project 2024 Press Release
UnityNet World Environment Day Abraham Project 2024 Press ReleaseUnityNet World Environment Day Abraham Project 2024 Press Release
UnityNet World Environment Day Abraham Project 2024 Press Release
 
Mandalay Resouces June 2024 Investor Relations PPT
Mandalay Resouces June 2024 Investor Relations PPTMandalay Resouces June 2024 Investor Relations PPT
Mandalay Resouces June 2024 Investor Relations PPT
 
Osisko Gold Royalties Ltd - Corporate Presentation, June 12, 2024
Osisko Gold Royalties Ltd - Corporate Presentation, June 12, 2024Osisko Gold Royalties Ltd - Corporate Presentation, June 12, 2024
Osisko Gold Royalties Ltd - Corporate Presentation, June 12, 2024
 
一比一原版(UAL毕业证)伦敦艺术大学毕业证如何办理
一比一原版(UAL毕业证)伦敦艺术大学毕业证如何办理一比一原版(UAL毕业证)伦敦艺术大学毕业证如何办理
一比一原版(UAL毕业证)伦敦艺术大学毕业证如何办理
 
AGM Presentation Probe June 11 Final.pdf
AGM Presentation Probe June 11 Final.pdfAGM Presentation Probe June 11 Final.pdf
AGM Presentation Probe June 11 Final.pdf
 
Methanex Investor Presentation - April 2024
Methanex Investor Presentation - April 2024Methanex Investor Presentation - April 2024
Methanex Investor Presentation - April 2024
 
Cyberagent_For New Investors_EN_240424.pdf
Cyberagent_For New Investors_EN_240424.pdfCyberagent_For New Investors_EN_240424.pdf
Cyberagent_For New Investors_EN_240424.pdf
 
mba project CRED.docx report for students final year
mba project CRED.docx report for students final yearmba project CRED.docx report for students final year
mba project CRED.docx report for students final year
 
Cleades robinson:The Diplomat is Blue
Cleades robinson:The Diplomat is BlueCleades robinson:The Diplomat is Blue
Cleades robinson:The Diplomat is Blue
 
Cove Multifamily Income Fund 28 LLC IOI 3.3.2021 (1).pdf
Cove Multifamily Income Fund 28 LLC IOI 3.3.2021 (1).pdfCove Multifamily Income Fund 28 LLC IOI 3.3.2021 (1).pdf
Cove Multifamily Income Fund 28 LLC IOI 3.3.2021 (1).pdf
 
快速办理(CUBoulder毕业证书)科罗拉多大学博尔德分校毕业证录取通知书一模一样
快速办理(CUBoulder毕业证书)科罗拉多大学博尔德分校毕业证录取通知书一模一样快速办理(CUBoulder毕业证书)科罗拉多大学博尔德分校毕业证录取通知书一模一样
快速办理(CUBoulder毕业证书)科罗拉多大学博尔德分校毕业证录取通知书一模一样
 
ZKsync airdrop of 3.6 billion ZK tokens is scheduled by ZKsync for next week.pdf
ZKsync airdrop of 3.6 billion ZK tokens is scheduled by ZKsync for next week.pdfZKsync airdrop of 3.6 billion ZK tokens is scheduled by ZKsync for next week.pdf
ZKsync airdrop of 3.6 billion ZK tokens is scheduled by ZKsync for next week.pdf
 

The Principal Financial Group 101