This pdf is interactive. The content is clickable so you can navigate through this document. 1 Table of contents Financial statements of Aegon N.V. Strategic information Business overview Other information Other financial information Additional information Consolidated financial statements Governance Supervision 318 Risk factors  318 Property, plants and equipment 334 Employees and labor relations  334 Dividend policy 335 The offer and listing 336 Additional company information 337 Memorandum and Articles of Association  337 Material contracts  339 Exchange controls  339 Taxation 339 Principal accountant fees and services  346 Purchases of equity securities by the issuer  and affiliated purchasers 347 Quarterly results – unaudited  348 Glossary 349 Disclaimer 354 Independent auditor’s report  306 Proposal for profit appropriation  307 Major shareholders  307 Income statement of Aegon N.V. 291 Statement of financial position of Aegon N.V. 292 Notes to the financial statements  293 Introduction 3 Letter of the CEO  4 Composition of the Executive Board and the  Management Board  6 Aegon’s strategy  8 History and development of Aegon  12 Selected financial data  13 Business lines  16 Results of operations 17 ■ Worldwide 17 ■ Americas 25 ■ Netherlands 43 ■ United Kingdom  53 ■ New Markets  62 Risk management  85 Capital and liquidity management  88 In control statement  92 Report of the Supervisory Board  93 Members of the Supervisory Board  99 Remuneration Report  101 Corporate governance  108 Differences between Dutch and US company laws  112 Code of ethics  113 Controls and procedures  114 Exchange rates  120 Consolidated income statement of Aegon N.V.  122 Consolidated statement of comprehensive income  of Aegon N.V. 123 Consolidated statement of financial position of Aegon N.V.  124 Consolidated statement of changes in equity of Aegon N.V.  125 Consolidated cash flow statement of Aegon N.V.  128 Notes to the consolidated financial statements  129 Remuneration 283 Independent auditor’s report  289 Schedule I  310 Schedule II  311 Schedule III  313 Schedule IV  314 Schedule V  315