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Investor Presentaiton

4Q19 & 4Q18 noteworthy items 4Q18 - Income / (Loss) 4Q19 - Income / (Loss) ($ in millions) Catastrophe losses, net of reinsurance¹ Pre-tax After-tax4 ($798) EPS (diluted) ($630) ($0.71) Pre-tax After-tax4 EPS (diluted) ($413) ($326) ($0.36) (Unfavorable) favorable prior year loss reserve development, net of reinsurance (365) (288) (0.32) 153 121 0.13 Actuarial assumption update in Legacy Life and Retirement run-off (105) (83) (0.09) Investment Performance: Better (worse) than expected alternative investment returns² (340) (269) (0.30) 59 47 0.05 Better (worse) than expected DIB and GCM returns (31) (24) (0.03) 60 60 47 0.05 Better than expected fair value changes on Fixed Maturity Securities - Other accounted under fair value option² 50 50 40 0.04 29 29 23 0.03 Changes in the fair value of Equity Securities³ Total noteworthy items (143) (113) (0.13) ($1,732) ($1,368) ($1.54) ($112) ($88) ($0.10) AIG 1) 4Q19 includes losses of ($411M) and ($2M), pre-tax, from General Insurance and Legacy General Insurance Run-off Lines, respectively. 4Q18 includes a loss of ($826M) and income of $28M, pre-tax, from General Insurance and Legacy General Insurance Run-off Lines, respectively. 2) The annualized expected rate of return is 8% for alternative investments and 6% for fair value option fixed maturity securities for all periods presented; fair value option fixed maturity securities includes the fair value changes on the DIB and GCM asset portfolios. 3) Beginning 1Q19, changes in the fair value of equity securities are excluded from APTI. 4) Computed using a U.S. statutory effective tax rate of 21%. 8
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