Aegon 20F 2015 Annual report | AEG Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	8th grade Avg

New words: AAM, accuracy, Administradora, aerospace, AGM, Agricola, Ahold, ailing, Algemeen, alike, Allegra, anchored, ancillary, anex, Answering, ante, anterecovery, ARLI, asa, attained, authorisation, Autoridade, Autorit, aversion, Bancoob, BCCL, BCR, Besluit, bijzondere, blurring, Bpr, BrandPower, Brasil, breakeven, Brexit, bridge, broadband, broken, BRRD, caption, celebrated, CFTC, Chairmen, characterized, Chemical, Chile, chose, circumstance, clearinghouse, CODM, concrete, Concurrence, Consument, contractor, Cooperativo, copper, CPTCB, CRR, cruise, custodial, deaccumulation, deflation, derecognised, detachment, devoted, Directorship, disaggregated, disinvestment, Dodd, drug, EAFE, EBITDA, econometric, Edward, EEA, entertainment, Esential, exciting, Fidelidade, forthcoming, fourteenth, Frank, FRI, Frontier, fuel, fungibility, garner, genetic, Geral, GovernanceCorporate, Greenspoint, haircut, hurdle, IFSR, IG, imposition, inappropriate, inaugural, inforce, inInternal, interlinkage, interlocutory, intra, invoke, IRA, IRC, IRDAI, jet, Kluwer, Korea, layer, LBPAM, learn, leisure, lender, lie, Lloyd, loyal, maatregelen, machinery, maket, managerial, Markt, MCR, MCSI, menioned, merchant, metallurgical, Metrixlab, Midcap, migration, Milleniumbcp, MREL, MRO, Municipal, nationalisation, Newport, nimble, nl, NN, Noteboom, nuclear, Obama, Ocidental, OCRM, OFR, onretirement, Ordinance, ORM, outspend, overlap, overlay, overly, oversized, passion, passport, payer, Peru, PIM, Plansponsor, Portuguesa, pot, programme, PRS, pursuit, push, pushed, reconsidered, refocusing, reliant, RELX, resort, Retireready, revocation, rewarding, rig, risky, rollover, RSR, runway, Russell, satellite, SDGT, secular, Seguro, SFCR, Sicoob, SIFI, SII, sincere, SME, solar, solo, spectrum, SRI, SRP, SSM, staffing, stb, stream, subset, succeed, supranational, SUSEP, Taiwan, Teck, tempered, tenor, theoperating, timeframe, Transocean, transposed, undo, unencumbered, Unregulated, unrestricted, unsecured, unsuitable, uphold, upside, upturn, user, variance, verbal, verbally, vetted, VidaCaixa, Vivat, Voya, wait, warranted, weaker, weighed, Wilmington, wireline, withdrew, Woning, YFL, Yuebao, zinc, Zrt, Zurel

Removed: adapted, aging, Air, Ajax, Antony, Assurantie, attempt, auction, bailout, Banca, Belgian, biggest, BIS, booming, budgeted, Bulletin, bundled, burden, Cajastur, California, censure, chargeable, Civica, collaboration, commencing, commoditization, competitively, compute, conflicting, conservative, continental, creditor, Cy, DB, DC, dedication, del, delegate, Deutsche, dignity, discipline, distinctive, domiciliary, dramatic, easing, EB, ec, Elsevier, empowering, enactment, enrolled, entitling, entrance, exited, externally, FCC, FGIC, founding, fraction, franc, froze, FTC, FTSE, German, globe, gratitude, great, handled, Hospira, imbedded, incurring, injured, injury, intent, intermediated, irda, Irish, Jaarboek, Japanese, KLM, Kruidvat, launching, leveraging, Lille, LIMRA, loyalty, Luxembourg, magazine, mail, mandatorily, manifestly, marginal, materializing, MB, median, Medigap, mind, mobile, monetize, Motivaction, move, Nasdaq, North, NPS, occasional, Omaha, participated, PBR, peace, penalty, pledging, pre, Prisma, Promoter, proprietorship, province, quickly, Reaal, reach, reaction, reclassification, recruited, redefine, Reed, reinforcing, residency, retailer, retire, robust, running, Salud, SB, seller, shifted, simplifying, Skyteam, spouse, springboard, store, Storm, strain, strict, student, study, subchapter, sublease, successor, suite, Superintendent, sustain, SVL, TCI, telemarketing, territory, TFA, till, TLC, tracking, transitioning, unamortized, undergone, underwrite, unprofitable, unreasonable, verdict, ViF, waived, wave, weakened, West, widespread, window, Woningen, Zwitserleven


Year ended December 31,	2015		2014		2013		2012		2011
Earnings:

Income before taxes		873		1,448		1,189		2,005		1,027

Add: Fixed charges included in earnings		1,643		1,542		1,746		2,151		2,148
(A) Total Earnings		2,517		2,990		2,934		4,156		3,175

Fixed charges:

Interest		412		371		355		519		491

Interest on fixed annuities, investment contracts and savings accounts		1,232		1,171		1,391		1,632		1,657
Sub-total fixed charges included in earnings		1,643		1,542		1,746		2,151		2,148

Dividend on preferred shares		-		-		24		59		59

Coupons on perpetual capital securities		148		171		194		230		237

Coupons on Non-Cumulative Subordinated Notes		38		32		28		30		-
(B) Total fixed charges		1,829		1,744		1,992		2,470		2,444

Ratio: (A) / (B)		1.4		1.7		1.5		1.7		1.3

Ratio excluding interest on fixed annuities, investment contracts and savings accounts		2.2		3.2		2.6		3.0		1.9

Aegon (AEG) 20-F2015 FY Annual report (foreign)

Content analysis