Delivering on our Commitments - Great-West Life€¦ · CAUTIONARY NOTE REGARDING FORWARD-LOOKING...
Transcript of Delivering on our Commitments - Great-West Life€¦ · CAUTIONARY NOTE REGARDING FORWARD-LOOKING...
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Annual Meetings 2017
Delivering on our Commitments Today and Tomorrow
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CAUTIONARY NOTE REGARDING FORWARD-LOOKING INFORMATION
In the course of today’s meetings, representatives of the Companies may, in their remarks or in responses to questions, make forward-looking statements. Forward-looking statements includestatements that are predictive in nature, depend upon or refer to future events or conditions, or include words such as "expects", "anticipates", "intends", "plans", "believes", "estimates" andother similar expressions or negative versions thereof. These statements may include, without limitation, statements about the Company's operations, business, financial condition, expectedfinancial performance (including revenues, earnings or growth rates), ongoing business strategies or prospects, and possible future actions by the Company, including statements made withrespect to the expected benefits of acquisitions and divestitures. Forward-looking statements are based on expectations, forecasts, predictions, projections and conclusions about futureevents that were current at the time of the statements and are inherently subject to, among other things, risks, uncertainties and assumptions about the Company, economic factors and thefinancial services industry generally, including the insurance and mutual fund industries. They are not guarantees of future performance, and the reader is cautioned that actual events andresults could differ materially from those expressed or implied by forward-looking statements. Material factors and assumptions that were applied in formulating the forward-looking informationcontained herein include the assumption that the business and economic conditions affecting the Company’s operations will continue substantially in their current state, including, withoutlimitation, with respect to customer behaviour, the Company's reputation, market prices for products provided, sales levels, premium income, fee income, expense levels, mortality experience,morbidity experience, policy lapse rates, reinsurance, arrangements, liquidity requirements, capital requirements, credit ratings, taxes, inflation, interest and foreign exchange rates, investmentvalues, hedging activities, global equity and capital markets, business competition and other general economic, political and market factors in North America and internationally. Many of theseassumptions are based on factors and events that are not within the control of the Company and there is no assurance that they will prove to be correct. Other important factors andassumptions that could cause actual results to differ materially from those contained in forward-looking statements include customer responses to new products, impairments of goodwill andother intangible assets, the Company's ability to execute strategic plans and changes to strategic plans, technological changes, breaches or failure of information systems and security(including cyber attacks), payments required under investment products, changes in local and international laws and regulations, changes in accounting policies and the effect of applyingfuture accounting policy changes, unexpected judicial or regulatory proceedings, catastrophic events, continuity and availability of personnel and third party service providers, the Company'sability to complete strategic transactions and integrate acquisitions and unplanned material changes to the Company's facilities, customer and employee relations or credit arrangements. Theaudience is cautioned that the foregoing list of assumptions and factors is not exhaustive, and there may be other factors listed in other filings with securities regulators, including factors setout in the Company's 2016 Annual MD&A under "Risk Management and Control Practices" and "Summary of Critical Accounting Estimates", which, along with other filings, is available forreview at www.sedar.com. The audience is also cautioned to consider these and other factors, uncertainties and potential events carefully and not to place undue reliance on forward-lookingstatements. Other than as specifically required by applicable law, the Company does not intend to update any forward-looking statements whether as a result of new information, future eventsor otherwise.
CAUTIONARY NOTE REGARDING NON-IFRS FINANCIAL MEASURES
In the course of today’s meetings, representatives of the Company may also, in their remarks or in responses to questions, make reference to non-IFRS financial measures. Terms by whichnon-IFRS financial measures are identified include, but are not limited to, “operating earnings”, “constant currency basis”, “premiums and deposits”, “sales”, “assets under management”,“assets under administration” and other similar expressions. Non-IFRS financial measures are used to provide management and investors with additional measures of performance to helpassess results where no comparable IFRS measure exists. However, non-IFRS financial measures do not have standard meanings prescribed by IFRS and are not directly comparable tosimilar measures used by other companies. Please refer to the appropriate reconciliations of these non-IFRS financial measures to measures prescribed by IFRS.
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Paul MahonPresident and Chief Executive Officer
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Focus on customers
Strategic investment
Disciplined management
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Diversified businesses
Strong teams, deep knowledge
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Stefan KristjansonPresident and COO
Canada
Arshil JamalPresident and COO
Europe & Reinsurance
Robert ReynoldsPresident and CEO
Great-West Lifeco U.S. LLC
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Gerry HassettEVP, Individual Customer
Great-West Life, London Life
and Canada Life
Dervla TomlinEVP and Chief Actuary
Great-West Lifeco
David McCarthyEVP and Deputy
Chief Financial Officer
Great-West Lifeco
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170 years
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Over 30 million customer relationships
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Challenging year
Solid results in 2016
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Net earnings
$2.8BILLION
2015
$2.6BILLION
2016
*Net earnings attributable to common shareholders
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Dividend declared
36.70CENTS
*Quarterly dividend declared to common shareholders
Q4 2016
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Sales
$128BILLION
2015
$130BILLION
2016
*New annualized premium
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Assets
$1.213TRILLION
$1.248TRILLION
*Total assets under administration
2015 2016
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Return on Equity
14.7PERCENT
13.8PERCENT
*ROE is based on rolling 4 quarters
2015 2016
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A.M. Best Company A+
Dominion Bond Rating Service* AA
Fitch Ratings AA
Moody’s Investors Service Aa3
Standard & Poor’s Ratings Service AA
* DBRS does not rate Great-West Financial based on Financial Strength
Great-West Life, London Life, Canada Life and Great-West Financial
Financial strength ratings
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Adjusted
Net earnings
$619MILLION
Q1 2017
*Net earnings attributable to common shareholders
$591MILLION
Includes $28 million
of restructuring
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Dividend declared
*Quarterly dividend payable to common shareholders
CENTS
36.70Q1 2017
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Sales
$32.4BILLION
Q1 2017
*New annualized premium
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Return on Equity
13.9PERCENT
*ROE is based on rolling 4 quarters
Q1 2017
13.6PERCENT
Includes $28 million
of restructuring
Adjusted
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Strong and growing
customer base
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Through acquisitions
Growing organically
Advancing new capabilities
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Change reshaping customers’ expectations
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Over 56 million claims
88% paid electronically
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Delivering broad solutions at lower cost
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Traditionally paper and face to face
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Digital experiences
reshaping expectations
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Seeking flexibility
Access to advice
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Canadians benefit from working with an advisor
4 times more assets after 15 years
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Terry WindremTerry G. Windrem Insurance & Peak Benefits
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Changing world of financial advice
Ensuring customer interests at the forefront
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Reform initiatives in Canada
Protecting consumers and access to advice
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Customers at the centre of our solutions
Sustaining a strong advice channel
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Robert ReynoldsPresident and CEO
Great-West Lifeco U.S. LLC
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Supporting millions of Americans
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Life insurance, annuities and executive benefits
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Over 8.2 million
plan participants
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Innovative Health Savings Account
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5th in Barron’s/Lipper Best Fund Families#1 digital engagement leader
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Building a profitable asset management business
Industry shift to passive investments
Active management at the core
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Arshil JamalPresident and COO
Europe & Reinsurance
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U.K. business insulated from instability
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Market leading in payout annuities
Offering a range of retirement solutions
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Leadership position in group risk
FAST POWERFUL AWARD WINNING
CANADA LIFE AUTOMATED SELF SERVICE
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Launched Irish Life Health
Ireland’s market leader
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Fastest growing businessExcellence in digital broker support
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John Occleshaw Jeff Poulin
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Stefan KristjansonPresident and COO
Canada
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Improving Canadians’ well-being
Serving over 13 million people
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Commitment to advice
Critical to our success
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Strong sales in all lines
Individual life surge from Tax Act changes
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Building a customer-focused model
Customers are at the centre of what we do
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Individual Customer
Group Customer
Strategic Customer Marketing
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Increasingly cost sensitive
Expecting more access
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Adapting our workforce
Organizing more efficiently
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Positively impacting stakeholders
Driving long-term growth
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Building Blocks on Balmoral Child Care Centre
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Creating a Leadership Institute
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Developing future leaders
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Annual Meetings 2017
Delivering on our Commitments Today and Tomorrow