Aegon Publishes 2015 Annual Report and Review

Mar 25, 2016, 09:30 ET from United Business Media

Aegon N.V. today released its 2015 Annual Report and filed its Annual Report on Form
20-F with the United States Securities and Exchange Commission (SEC).

    For the fifth consecutive year, Aegon's Annual Report [http://aegon.me/2015Report ] is
accompanied by a separate integrated report, Aegon's 2015 Review
[http://aegon.me/2015Review ]. This includes an interview with Aegon's CEO,

    Alex Wynaendts, in which he reflects on accelerating the pace of change to become a
more digital, sustainable and customer-centric company. Also interviewed is the Chairman
of Aegon's Supervisory Board, Rob Routs, who focuses on the board's shift from monitoring
performance to undertaking a more strategic role.

    The Review explains how Aegon creates and shares value for its stakeholders by letting
customers, investors, business partners, local communities and employees tell their story.
It highlights three particularly important topics - raising awareness about global aging,
meeting changing customer needs, and investing responsibly - all of which are explored in
such a way as to explain both the challenges and opportunities that exist for Aegon.

    Digital copies of Aegon's 2015 Annual Report, 2015 Annual Report on Form 20-F and 2015
Review are available in our corporate reporting archive on aegon.com. Other documents
relating to Aegon's General Meeting of Shareholders, including the agenda, will be
available online from April 8, 2016.

    DISCLAIMERS 

    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 exit of
the United Kingdom from the European Union;

    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 pensions, investment, and insurance industries in
the jurisdictions in which Aegon operates;

    Standard setting initiatives of supranational standard setting bodies such as the
Financial Stability Board and the International Association of Insurance Supervisors or
changes to such standards that may have an impact on regional (such as EU), national or US
federal or state level financial regulation or the application thereof  to Aegon,
including the designation of Aegon by the Financial Stability Board as a Global
Systemically Important Insurer (G-SII).

    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, which 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.

    Aegon's roots go back more than 170 years - to the first half of the nineteenth
century. Since then, Aegon has grown into an international company, with businesses in
more than 20 countries in the Americas, Europe and Asia. Today, Aegon is one of the
world's leading financial services organizations, providing life insurance, pensions and
asset management. Aegon's purpose is to help people achieve a lifetime of financial
security. More information: aegon.com [http://www.aegon.com ]

<pre>
     
    Media relations 
    Debora de Laaf 
    +31-(0)70-344-8730 
    gcc@aegon.com

     
    Investor relations 
    Willem van den Berg 
    +31-(0)70-344-8405 
    ir@aegon.com 
</pre>     
PRN NLD



The content and accuracy of news releases published on this site and/or
distributed by PR Newswire or its partners are the sole responsibility of the
originating company or organisation. Whilst every effort is made to ensure the
accuracy of our services, such releases are not actively monitored or reviewed
by PR Newswire or its partners and under no circumstances shall PR Newswire or
its partners be liable for any loss or damage resulting from the use of such
information. All information should be checked prior to publication.
Aegon N.V. today released its 2015 Annual Report and filed its Annual Report on Form
20-F with the United States Securities and Exchange Commission (SEC).

    For the fifth consecutive year, Aegon's Annual Report [http://aegon.me/2015Report ] is
accompanied by a separate integrated report, Aegon's 2015 Review
[http://aegon.me/2015Review ]. This includes an interview with Aegon's CEO,

    Alex Wynaendts, in which he reflects on accelerating the pace of change to become a
more digital, sustainable and customer-centric company. Also interviewed is the Chairman
of Aegon's Supervisory Board, Rob Routs, who focuses on the board's shift from monitoring
performance to undertaking a more strategic role.

    The Review explains how Aegon creates and shares value for its stakeholders by letting
customers, investors, business partners, local communities and employees tell their story.
It highlights three particularly important topics - raising awareness about global aging,
meeting changing customer needs, and investing responsibly - all of which are explored in
such a way as to explain both the challenges and opportunities that exist for Aegon.

    Digital copies of Aegon's 2015 Annual Report, 2015 Annual Report on Form 20-F and 2015
Review are available in our corporate reporting archive on aegon.com. Other documents
relating to Aegon's General Meeting of Shareholders, including the agenda, will be
available online from April 8, 2016.

    DISCLAIMERS 

    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 exit of
the United Kingdom from the European Union;

    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 pensions, investment, and insurance industries in
the jurisdictions in which Aegon operates;

    Standard setting initiatives of supranational standard setting bodies such as the
Financial Stability Board and the International Association of Insurance Supervisors or
changes to such standards that may have an impact on regional (such as EU), national or US
federal or state level financial regulation or the application thereof  to Aegon,
including the designation of Aegon by the Financial Stability Board as a Global
Systemically Important Insurer (G-SII).

    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, which 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.

    Aegon's roots go back more than 170 years - to the first half of the nineteenth
century. Since then, Aegon has grown into an international company, with businesses in
more than 20 countries in the Americas, Europe and Asia. Today, Aegon is one of the
world's leading financial services organizations, providing life insurance, pensions and
asset management. Aegon's purpose is to help people achieve a lifetime of financial
security. More information: aegon.com [http://www.aegon.com ]

<pre>
     
    Media relations 
    Debora de Laaf 
    +31-(0)70-344-8730 
    gcc@aegon.com

     
    Investor relations 
    Willem van den Berg 
    +31-(0)70-344-8405 
    ir@aegon.com 
</pre>     
PRN NLD



The content and accuracy of news releases published on this site and/or
distributed by PR Newswire or its partners are the sole responsibility of the
originating company or organisation. Whilst every effort is made to ensure the
accuracy of our services, such releases are not actively monitored or reviewed
by PR Newswire or its partners and under no circumstances shall PR Newswire or
its partners be liable for any loss or damage resulting from the use of such
information. All information should be checked prior to publication.