Investor Presentaiton
Non-GAAP Reconciliations
Accident Year Loss Ratio, as adjusted, and Accident Year Combined Ratio, as adjusted
General Insurance - International
Quarterly
General Insurance - International -
Commercial Lines
Quarterly
2Q19
2Q20
Loss ratio
56.9
59.5
Loss ratio
2Q19
61.5
2Q20
66.3
Catastrophe losses and reinstatement premiums
(0.1)
(5.4)
Catastrophe losses and reinstatement premiums
(0.3)
(11.3)
Prior year development
0.1
0.6
Prior year development
0.4
2.4
Accident year loss ratio, as adjusted
56.9
54.7
Accident year loss ratio, as adjusted
61.6
57.4
Acquisition ratio
24.1
23.7
Acquisition ratio
General operating expense ratio
14.5
14.4
General operating expense ratio
Expense ratio
38.6
38.1
Expense ratio
Combined ratio
95.5
97.6
Combined ratio
Accident year combined ratio, as adjusted
95.5
92.8
Accident year combined ratio, as adjusted
21.1
20.4
14.2
14.1
35.3
34.5
96.8
100.8
96.9
91.9
General Insurance - International -
Personal Insurance
General Insurance - Global Commercial Lines
Quarterly
Quarterly
2Q19
Loss ratio
Catastrophe losses and reinstatement premiums
Prior year development
Accident year loss ratio, as adjusted
52.9
2Q20
52.9
2Q19
2Q20
Loss ratio
69.6
81.6
0.4
Catastrophe losses and reinstatement premiums
(3.4)
(18.1)
(0.1)
(1.2)
Prior year development
2.1
1.9
52.8
52.1
Accident year loss ratio, as adjusted
68.3
65.4
Acquisition ratio
26.7
26.8
Acquisition ratio
17.6
16.4
General operating expense ratio
14.9
14.6
General operating expense ratio
12.4
12.5
Expense ratio
41.6
41.4
Expense ratio
30.0
28.9
Combined ratio
94.5
94.3
Combined ratio
99.6
110.5
Accident year combined ratio, as adjusted
94.4
93.5
Accident year combined ratio, as adjusted
98.3
94.3
AIG
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