CORRECTION - AEGON N.V.: AEGON Delivers Strong Earnings Growth and Increased Value of New Business


    - Higher earnings driven by growth, lower expenses and favorable currency
    - Underlying earnings increase to EUR 472 million, including a positive effect
      of EUR 17 million as one-time provision releases were partly offset by the negative
      effect of assumption updates
    - Net income of EUR 374 million driven by higher underlying earnings, lower
      impairments and the non-recurrence of charges in the comparable quarter last year
      partly offset by higher taxes

- Return on equity increases to 7.7%, and 8.6% excluding run-off businesses
</pre>    To view the Multimedia News Release, please click:

    - Sales stable - higher accident &amp; health sales offset by lower deposits
    - New life sales level at EUR 405 million; strong sales in the US offset by NL,
      UK and Spain
    - Accident &amp; health sales increase 24% to EUR 190 million driven by growth in
      the Americas
    - Deposits decline 10% to EUR 9.4 billion, reflecting lower stable value
    - Market consistent value of new business increases strongly to EUR 173 million

  as a result of product repricing and improved margins

    - Continued strong capital position and cash flows
    - Capital base ratio of 75.0%, in line with target of at least 75% by year-end
    - IGDa) solvency ratio increases to 222%
    - Operational free cash flow of EUR 448 million, excluding market impact of EUR

  (407) million
</pre>    Statement of Alex Wynaendts, CEO 
"During the third quarter, we were again able to capture the benefits of AEGON's
strategic priorities, resulting in solid earnings growth, improved profitability of sales,
lower expenses and a continued strong capital position. Our franchise remains healthy, as
evidenced by the particularly high level of At-Retirement and pension sales. At the same
time, we are making essential investments to reshape our businesses in both our
established and developing markets to respond effectively to the changing conditions and
new realities. Although there are signs of gradually improving market conditions, there
remains considerable uncertainty in the general economic environment. Consequently, we
believe it is prudent and necessary to maintain a sufficient financial buffer while at the
same time adhering to our strict risk and pricing discipline. The steps we are taking
across our organization to get closer to our end customers, combined with the strength of
our current position, give us full confidence in the prospects for our business going

    Key performance indicators
                                                   Q3    Q2        Q3       YTD   YTD
    amounts in EUR millions b)            Notes  2012  2012   %  2011   %  2012  2011   %
    Underlying earnings before tax            1   472   443   7   361  31 1,340 1,176  14
    Net income                                2   374   254  47    60   - 1,149   791  45
    Sales                                     3 1,550 1,604 (3) 1,620 (4) 4,912 4,292  14
    Market consistent value of new business   4   173   117  48    93  86   415   351  18

Return on equity                          5  7.7%  6.8%  13  6.8%  13  7.0%  7.4% (5)

    - Aegon launches a new online banking platform in the Netherlands
    - Workplace Savings platform launched in the United Kingdom

- Aegon regains its place in the Dow Jones Sustainability European Index
</pre>    Aegon's ambition 
Aegon's aim to be a leader in all of its chosen markets by 2015 is supported by four
strategic objectives: Optimize Portfolio, Enhance Customer Loyalty, Deliver Operational
Excellence and Empower Employees. These key objectives have been embedded in all Aegon
businesses. They provide the strategic framework for the company's ambition to become the
most-recommended life insurance and pension provider by customers and intermediaries, as
well as the most-preferred employer in the sector. 
Continued economic uncertainty has increased the opportunities for Aegon in pursuing
its clear purpose of helping people take responsibility for their financial future. To
capture these opportunities, Aegon will accelerate the development of new business models
by investing in innovative, technology-driven distribution channels, to connect better and
more frequently with customers, improve service levels and increase retention rates.
Aegon's accelerated investments in technology will also better support intermediaries
adapt to the changing distribution environment. 
In recent years, Aegon has implemented a broad restructuring program to sharpen its
focus on its core lines of business, significantly reduce its overall cost base, and
create greater efficiencies across the organization. This has resulted in a better balance
between spread-based and fee-generating business, a substantially improved risk-return
profile, the divestment of non-core businesses, a lower cost base, and an improved capital
base ratio. 
Optimize portfolio 
At the end of September, Aegon launched a new online bank in the Netherlands, called
"Knab". This innovative new platform gives customers increased insight into their
financial situation and uses state-of-the-art technology to provide easier lifetime
financial planning. Knab also allows the company to interact with customers in real-time
and to use client feedback to ensure that all offered solutions meet customer needs. 
In the United Kingdom, to capture opportunities in the At-Retirement market, Aegon
launched its new platform proposition called "Aegon Retirement Choices" in November 2011.
The company recently added its Workplace Savings proposition to the platform with the
unique feature of allowing customers to remain on the platform as an individual customer
throughout retirement. Pension reform and the Retail Distribution Review will transform
pension products and services and how they are distributed. Aegon's platform offers a
compelling solution to advisers, employers, and their employees. Positive market response
has helped the company secure a number of strategic distribution agreements, reaffirming
Aegon's leading role in the pensions and At-Retirement market. 
On October 1, 2012, Aegon Asset Management closed the transaction to sell its minority
stake in Prisma Capital Partners, a provider of hedge fund solutions, to KKR for a total
consideration of EUR 100 million. Prisma's contribution to underlying earnings totaled EUR
8 million for the first nine months of 2012. 
Aegon expects that the consolidation of Spanish savings banks will lead to exiting one
or more of its joint ventures in Spain. Following the announced merger between Banca
Civica and CaixaBank, Aegon reached an agreement to end the life, health and pension
partnership with Banca Civica and to sell its 50% interest in the joint venture to
CaixaBank for a total consideration of EUR 190 million. The transaction was closed on
October 11, 2012 and will result in a book gain of EUR 35 million before tax which will be
accounted for in the fourth quarter of 2012. Aegon's share in underlying earnings before
tax of the joint venture totaled EUR 13 million for the first nine months of 2012. 
Deliver operational excellence 
In the Netherlands, Aegon is on track with reorganizing its business to be more agile
and better positioned to respond to changing conditions and opportunities in the Dutch
market. The reorganization program, and other initiatives, will result in reducing the
cost base for Aegon the Netherlands by EUR 100 million, compared to the cost base for
2010. The cost savings aim to offset pressure on underlying earnings from increased
longevity provisioning and a declining life insurance back-book. Up to and including the
third quarter, Aegon has implemented costs savings of EUR 80 million. 
Aegon retained its place in the Dow Jones Sustainability World Index for 2012-2013,
and regained its position in the European index after a one-year absence. This was due to
a significant improvement in the company's overall sustainability rating. Aegon has made
substantial progress in several key areas. In particular, the company has improved its
approach to human resources, brand and customer relationship management. The introduction
of a company-wide framework governing pay and remuneration, as well as the further
progress of Aegon's talent management program also strengthened overall performance. In
addition to the DJSI, Aegon is included in the FTSE4Good Index, and was recently admitted
to Vigeo's Advanced Sustainability Performance Index for euro zone companies. 

    Financial overview c)
    EUR millions           Notes Q3 2012 Q2 2012    % Q3 2011    % YTD 2012 YTD 2011    %
    Underlying earnings before tax
    Americas                         344     339    1     307   12      975      957    2
    The Netherlands                   82      71   15      68   21      232      223    4
    United Kingdom                    26      25    4       9  189       80       31  158
    New markets                       70      64    9      46   52      222      184   21
    Holding and other               (50)    (56)   11    (69)   28    (169)    (219)   23
    Underlying earnings before tax   472     443    7     361   31    1,340    1,176   14
    Fair value items               (126)     101    -   (288)   56      131    (396)    -
    Realized gains / (losses) 
    on investments                   128      85   51     102   25      258      397 (35)
    Impairment charges              (35)    (42)   17   (132)   73    (118)    (294)   60
    Other income / (charges)           3   (254)    -    (54)    -    (268)     (73)    -
    Run-off businesses                12       6  100     (5)    -       16       27 (41)
    Income before tax                454     339   34    (16)    -    1,359      837   62
    Income tax                      (80)    (85)    6      76    -    (210)     (46)    -
    Net income                       374     254   47      60    -    1,149      791   45
    Net income / (loss) 
    attributable to:
    Equity holders of Aegon N.V.     373     254   47      60    -    1,148      790   45
    Non-controlling interests          1       -    -       -    -        1        1    -
    Net underlying earnings          369     337    9     308   20    1,034      980    6
    Commissions and expenses       1,382   1,570 (12)   1,575 (12)    4,351    4,588  (5)
    of which 
    operating expenses        11     798     814  (2)     886 (10)    2,393    2,570  (7)
    New life sales
    Life single premiums           1,125   1,068    5   1,073    5    3,353    3,988 (16)
    Life recurring premiums 
    annualized                       293     321  (9)     298  (2)      943      938    1
    Total recurring 
    plus 1/10 single                 405     428  (5)     405    -    1,278    1,337  (4)
    New life sales
    Americas                  12     126     126    -     103   22      372      309   20
    The Netherlands                   25      23    9      32 (22)       80      137 (42)
    United Kingdom                   206     211  (2)     199    4      630      663  (5)
    New markets               12      48      68 (29)      71 (32)      196      228 (14)
    Total recurring 
    plus 1/10 single                 405     428  (5)     405    -    1,278    1,337  (4)
    New premium production 
    accident and 
    health insurance                 190     187    2     153   24      572      457   25
    New premium production 
    general insurance                 12      13  (8)      12    -       39       39    -
    Gross deposits (on and off balance)
    Americas                  12   6,391   6,644  (4)   7,376 (13)   20,427   18,019   13
    The Netherlands                  275     367 (25)     584 (53)    1,202    1,488 (19)
    United Kingdom                     5       9 (44)      11 (55)       22       47 (53)
    New markets               12   2,755   2,737    1   2,525    9    8,575    5,034   70
    Total gross deposits           9,426   9,757  (3)  10,496 (10)   30,226   24,588   23
    Net deposits (on and off balance)
    Americas                  12     904     738   22   2,840 (68)    2,703    3,033 (11)
    The Netherlands                (480)    (66)    -      54    -    (731)    (174)    -
    United Kingdom                   (6)     (1)    -       1    -      (8)       17    -
    New markets               12   1,208     619   95   1,502 (20)    3,191  (2,704)    -
    Total net deposits 
    excluding run-off businesses   1,626   1,290   26   4,397 (63)    5,155      172    -
    Run-off businesses             (301)   (479)   37 (1,121)   73  (1,940)  (2,528)   23
    Total net deposits             1,325     811   63   3,276 (60)    3,215  (2,356)    -
    Revenue-generating investments
                                                                 Sept.     June
                                                                   30,      30,
                                                                  2012     2012    %
    Revenue-generating investments (total)                     463,041  451,988    2
    Investments general account                                147,955  147,065    1
    Investments for account of policyholders                   156,831  151,633    3

Off balance sheet investments third parties                158,255  153,290    3
Underlying earnings before tax 
Aegon's underlying earnings before tax increased 31% to EUR 472 million in the third
quarter of 2012. This is the result of business growth, a strong delivery on cost
reduction programs, favorable markets and currency movements. Earnings included a positive
effect of EUR 17 million, as one-time provision releases of EUR 39 million were partly
offset by the negative effect of customer behavior assumption updates of EUR 22 million. 
Underlying earnings from the Americas rose to EUR 344 million. The 12% increase
compared to the third quarter of 2011 is due to underlying growth in the business, and a
strengthening of the US dollar against the euro offset by the non-recurrence of favorable
items last year. Earnings in the third quarter also included a one-time benefit from
changes in post-retirement benefit plans of EUR 27 million, while the net negative impact
of assumption changes amounted to EUR 29 million. 
In the Netherlands, underlying earnings increased 21% to EUR 82 million. This increase
was mainly the result of higher earnings in Life &amp; Savings which included a one-time
provision release of EUR 8 million, partly offset by lower margins in Pensions and
In the United Kingdom, underlying earnings increased to EUR 26 million. This strong
improvement in earnings compared to the same period last year, was driven by the
non-recurrence of extraordinary charges and the successful implementation of the cost
reduction program. Earnings were negatively impacted by adverse persistency and
investments in new propositions in the pension business. It is expected that this will
continue in coming quarters. 
Underlying earnings from New Markets increased 52% to EUR 70 million. Higher results
of Aegon Asset Management, as well as from Asia and Central &amp; Eastern Europe were partly
offset by lower underlying earnings from Spain and Variable Annuities Europe. 
Total holding costs decreased 28% to EUR 50 million as a result of Aegon's Corporate
Center expenses being charged, in part, to operating units as of the first quarter 2012.
These charges reflect the services and support provided to operating units by the
Corporate Center. Charges to operating units in the third quarter of 2012 amounted to EUR
16 million. 
Net income 
Net income increased to EUR 374 million as higher underlying earnings and realized
gains on investments, more favorable results on fair value items and lower impairments
were only partly offset by higher tax charges. 
Fair value items 
The results from fair value items amounted to a loss of EUR 126 million. The most
important contributors to the loss were the negative results from the equity hedge
programs in the United States and the United Kingdom, negative revaluation of direct real
estate investments in the Netherlands and the impact of lower credit spreads on the
valuation of Aegon bonds. 
Realized gains on investments 
In the third quarter, realized gains on investments amounted to EUR 128 million and
were mainly the result of normal trading activity in the investment portfolio. 
Impairment charges 
Net impairments improved significantly and amounted to EUR 35 million. Gross
impairments remained relatively stable compared to previous quarters and were primarily
linked to residential mortgage-backed securities in the United States, partly offset by
strong recoveries. 
Other income 
Other income amounted to EUR 3 million, mainly the result of UK policyholder tax with
an equal and opposite charge in the tax income line offset by restructuring charges of EUR
3 million in the Netherlands and a one-time provision of EUR 5 million in Poland. 
Run-off businesses 
The results of run-off businesses amounted to EUR 12 million and were driven by
improved results 
on the institutional spread-based business and BOLI/COLI, only partly offset by lower
results from payout annuities. 
Income tax 
Income tax amounted to EUR 80 million in the third quarter, translating into an
effective tax rate of 18%. The main drivers of the lower than nominal tax rate were tax
exempt income in the Americas and the Netherlands, tax credits and the benefit of a tax
rate decrease in the United Kingdom. 
Return on equity 
The increase in return on equity to 7.7% for the third quarter of 2012, was driven by
the positive effect of growth in net underlying earnings only partly mitigated by higher
shareholders' equity excluding revaluation reserves. Return on equity for Aegon's ongoing
businesses, excluding the run-off businesses, amounted to 8.6% over the same period. 
Operating expenses 
In the third quarter, operating expenses decreased 10% to EUR 798 million as a result
of cost savings, lower restructuring charges and the one-time benefit of changes in
post-retirement benefit plans in the United States. On a comparable basis, operating
expenses decreased 4% compared with the third quarter of 2011. 
Aegon's total sales amounted to EUR 1.6 billion. New life sales were stable, as
increased sales in the Americas and the effects of favorable currency movements were
offset by lower sales in the Netherlands, the United Kingdom and Spain. In Spain, sales
declined mainly as a result of lower production at joint venture partners due to a number
of adverse developments in the Spanish market, as well as the exclusion of sales from its
partnership with CAM. Gross deposits remained strong for the variable annuity, retirement
plan and asset management businesses, partly offset by lower stable value deposits. New
premium production for accident &amp; health insurance increased, mainly driven by strong
travel insurance sales in the United States. 
Market consistent value of new business 
The market consistent value of new business increased to EUR 173 million mainly as a
result of product repricing in the United States, a higher contribution from mortgage
production in the Netherlands and improved margins in the UK annuity business. 
Revenue-generating investments 
Revenue-generating investments rose 2% compared to the second quarter-end 2012 to EUR
463 billion at September 30, 2012. This was mainly the result of favorable markets and net
Capital management
Aegon's core capital excluding revaluation reserves amounted to EUR 18.7 billion,
equivalent to 75.0%6 of the company's total capital base at September 30, 2012. This is in
line with the company's capital base ratio target of at least 75% by the end of 2012. 
Shareholders' equity increased to EUR 24.5 billion. This increase was mainly a result
of the third quarters' net income and an increase in the revaluation reserves. The
revaluation reserves increased by EUR 1.4 billion during the third quarter to EUR 5.9
billion, mainly a reflection of lower credit spreads and interest rates. Shareholders'
equity per common share, excluding preference capital and revaluation reserves, amounted
to EUR 8.50 at September 30, 2012. 
In 2012, Aegon aims to maintain excess capital at the holding of at least EUR 750
million. During the third quarter, excess capital in the holding remained stable at EUR
1.6 billion. The dividends received from operating units were offset by interest payments,
dividends on common shares and operational expenses. 
At September 30, 2012, Aegon's Insurance Group Directive (IGD) ratio amounted to 222%,
an increase from the level of 216% at the end of the second quarter. Measured on a local
solvency basis, the Risk Based Capital (RBC) ratio in the United States increased to
~480%. This was the result of a combination of strong net income and a capital management
transaction that made USD 575 million of additional regulatory capital available, partly
offset by dividends paid to the holding company. The IGD ratio in the Netherlands
decreased slightly to ~255% mainly the result of lower interest rates and credit spreads,
while the Pillar I ratio in the United Kingdom remained level at ~130% at the end of the
third quarter of 2012. 
Cash flows 
Operational free cash flow amounted to EUR 41 million. Excluding negative market
impacts of EUR 407 million, the operational free cash flows amounted to EUR 448 million.
Market impacts related mainly to lower interest rates and narrowing credit spreads.
Operational free cash flows excluding market impacts were particularly strong during the
quarter, mainly the effect of model refinements. 
Operational free cash flows represent the distributable earnings generated by the
business units. The impact of capital preservation initiatives is not included in the
reported operational free cash flows. Aegon is on track to improve operational free cash
flow from its 2010 normalized level of EUR 1.0-1.2 billion per annum by 30% by 2015. 

    The Hague, November 8, 2012
    Media conference call

7:45 a.m. CET
Podcast available after the call on [ ] 
Analyst &amp; investor conference call 
9:00 a.m. CET
Audio webcast on [ ] 
Dial-in numbers 
United States: +1-480-629-9673
United Kingdom: +44-207-153-2027
The Netherlands: +31-45-631-6905 
Two hours after the conference call, a replay will be available on
[ ]. 
Aegon's Q3 2012 Financial Supplement and Condensed Consolidated Interim Financial
Statements are available on [ ]. 
Use this link for the full version of the press release: 

    Cautionary note regarding non-GAAP measures

This document includes certain non-GAAP financial measures: underlying earnings before
tax and market consistent value of new business. The reconciliation of underlying earnings
before tax to the most comparable IFRS measure is provided in Note 3 "Segment information"
of Aegon's Condensed consolidated interim financial statements. Market consistent value of
new business is not based on IFRS, which are used to report Aegon's primary financial
statements and should not be viewed as a substitute for IFRS financial measures. Aegon may
define and calculate market consistent value of new business differently than other
companies. Aegon believes that these non-GAAP measures, together with the IFRS
information, provide meaningful supplemental information that Aegon's management uses to
run its business as well as useful information for the investment community to evaluate
Aegon's business relative to the businesses of its peers. 
Local currencies and constant currency exchange rates 
This document contains certain information about Aegon's results, financial condition
and revenue generating investments presented in USD for the Americas and GBP for the
United Kingdom, because those businesses operate and are managed primarily in those
currencies. Certain comparative information presented on a constant currency basis
eliminates the effects of changes in currency exchange rates. None of this information is
a substitute for or superior to financial information about Aegon presented in EUR, which
is the currency of Aegon's primary financial statements. 
Forward-looking statements 
The statements contained in this document that are not historical facts are
forward-looking statements as defined in the US Private Securities Litigation Reform Act
of 1995. The following are words that identify such forward-looking statements: aim,
believe, estimate, target, intend, may, expect, anticipate, predict, project, counting on,
plan, continue, want, forecast, goal, should, would, is confident, will, and similar
expressions as they relate to Aegon. These statements are not guarantees of future
performance and involve risks, uncertainties and assumptions that are difficult to
predict. Aegon undertakes no obligation to publicly update or revise any forward-looking
statements. Readers are cautioned not to place undue reliance on these forward-looking
statements, which merely reflect company expectations at the time of writing. Actual
results may differ materially from expectations conveyed in forward-looking statements due
to changes caused by various risks and uncertainties. Such risks and uncertainties include
but are not limited to the following: 

    - Changes in general economic conditions, particularly in the United States,
      the Netherlands and the United Kingdom;
    - Changes in the performance of financial markets, including emerging markets,
      such as with regard to:
    - The frequency and severity of defaults by issuers in Aegon's fixed income
      investment portfolios;
    - The effects of corporate bankruptcies and/or accounting restatements on the
      financial markets and the resulting decline in the value of equity and debt securities
      Aegon holds; and
    - The effects of declining creditworthiness of certain private sector securities
      and the resulting decline in the value of sovereign exposure that Aegon holds;
    - Changes in the performance of Aegon's investment portfolio and decline in
      ratings of Aegon's counterparties;
    - Consequences of a potential (partial) break-up of the euro;
    - The frequency and severity of insured loss events;
    - Changes affecting mortality, morbidity, persistence and other factors that may
      impact the profitability of Aegon's insurance products;
    - Reinsurers to whom Aegon has ceded significant underwriting risks may fail to
      meet their obligations;
    - Changes affecting interest rate levels and continuing low or rapidly changing
      interest rate levels; changes affecting currency exchange rates, in particular the
      EUR/USD and EUR/GBP exchange rates;
    - Changes in the availability of, and costs associated with, liquidity sources
      such as bank and capital markets funding, as well as conditions in the credit markets
      in general such as changes in borrower and counterparty creditworthiness;
    - Increasing levels of competition in the United States, the Netherlands, the
      United Kingdom and emerging markets;
    - Changes in laws and regulations, particularly those affecting Aegon's
      operations, ability to hire and retain key personnel, the products Aegon sells, and
      the attractiveness of certain products to its consumers;
    - Regulatory changes relating to the insurance industry in the jurisdictions in
      which Aegon operates;
    - Changes in customer behavior and public opinion in general related to, among
      other things, the type of products also Aegon sells, including legal, regulatory or
      commercial necessity to meet changing customer expectations;
    - Acts of God, acts of terrorism, acts of war and pandemics;
    - Changes in the policies of central banks and/or governments;
    - Lowering of one or more of Aegon's debt ratings issued by recognized rating
      organizations and the adverse impact such action may have on Aegon's ability to raise
      capital and on its liquidity and financial condition;
    - Lowering of one or more of insurer financial strength ratings of Aegon's
      insurance subsidiaries and the adverse impact such action may have on the premium
      writings, policy retention, profitability and liquidity of its insurance subsidiaries;
    - The effect of the European Union's Solvency II requirements and other
      regulations in other jurisdictions affecting the capital Aegon is required to
    - Litigation or regulatory action that could require Aegon to pay significant
      damages or change the way Aegon does business;
    - As Aegon's operations support complex transactions and are highly dependent on
      the proper functioning of information technology, a computer system failure or
      security breach may disrupt Aegon's business, damage its reputation and adversely
      affect its results of operations, financial condition and cash flows;
    - Customer responsiveness to both new products and distribution channels;
    - Competitive, legal, regulatory, or tax changes that affect profitability, the
      distribution cost of or demand for Aegon's products;
    - Changes in accounting regulations and policies may affect Aegon's reported
      results and shareholder's equity;
    - The impact of acquisitions and divestitures, restructurings, product
      withdrawals and other unusual items, including Aegon's ability to integrate
      acquisitions and to obtain the anticipated results and synergies from acquisitions;
    - Catastrophic events, either manmade or by nature, could result in material
      losses and significantly interrupt Aegon's business; and
    - Aegon's failure to achieve anticipated levels of earnings or operational

  efficiencies as well as other cost saving initiatives.
</pre>    Further details of potential risks and uncertainties affecting Aegon are described in
its filings with NYSE Euronext Amsterdam and the US Securities and Exchange Commission,
including the Annual Report. These forward-looking statements speak only as of the date of
this document. Except as required by any applicable law or regulation, Aegon expressly
disclaims any obligation or undertaking to release publicly any updates or revisions to
any forward-looking statements contained herein to reflect any change in Aegon's
expectations with regard thereto or any change in events, conditions or circumstances on
which any such statement is based. 
About Aegon 
As an international insurance, pensions and asset management company based in The
Hague, Aegon has businesses in over twenty markets in the Americas, Europe and Asia. Aegon
companies employ approximately 25,000 people and have nearly 47 million customers across
the globe. Further information: 

    Media relations
    Greg Tucker
    Investor relations
    Willem van den Berg

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