THE HAGUE, Netherlands–(BUSINESS WIRE)–Regulatory News:

Today, Aegon N.V. published its 2018 Integrated Annual Report and has
filed its 2018 Annual Report on Form 20-F with the United States
Securities and Exchange Commission (SEC).

This is the first year that Aegon has published a fully integrated
annual report. The report highlights the trends and challenges Aegon’s
businesses are facing, its strategy, how we create and share value – and
how we safeguard this value through a responsible approach to business
practices. Interviews with Aegon’s CEO and the Chairman of the
Supervisory Board are included in the report.

In his interview, CEO Alex Wynaendts states that Aegon remains steadfast
in its commitment to its purpose: to help people achieve a lifetime of
financial security. This purpose is not only the inspiration for why
Aegon as a company exists, it also helps to address the issues any
future-focused company faces. In particular, how Aegon can have an
impact on every stage of people’s lives including retirement.

Digital and hard copies of the report

Digital copies of Aegon’s 2018 Integrated Annual Report and 2018 Annual
Report on Form 20-F are available here.
A hard copy of the Annual Report, including the audited financial
statements, can be ordered free of charge here.
Other documents relating to Aegon’s Annual General Meeting of
Shareholders on May 17, 2019, including the agenda, will be available
online from April 5, 2019.

About Aegon

Aegon’s roots go back almost 200 years – to the first half of the
nineteenth century. Since then, Aegon has grown into an international
company, with businesses in more than 20 countries in the Americas,
Europe and Asia. Today, Aegon is one of the world’s leading financial
services organizations, providing life insurance, pensions and asset
management. Aegon’s purpose is to help people achieve a lifetime of
financial security. More information on aegon.com/about.

Disclaimers

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, could, 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 and/or governmental 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 public sector
    securities and the resulting decline in the value of government
    exposure that Aegon holds;
• Changes in the performance of Aegon’s investment portfolio and decline
  in ratings of Aegon’s counterparties;
• Consequences of an actual or potential break-up of the European
  monetary union in whole or in part;
• Consequences of the anticipated exit of the United Kingdom from the
  European Union and potential consequences of other European Union
  countries leaving the European Union;
• The frequency and severity of insured loss events;
• Changes affecting longevity, 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, taxation of
  Aegon companies, the products Aegon sells, and the attractiveness of
  certain products to its consumers;
• Regulatory changes relating to the pensions, investment, and insurance
  industries in the jurisdictions in which Aegon operates;
• Standard setting initiatives of supranational standard setting bodies
  such as the Financial Stability Board and the International
  Association of Insurance Supervisors or changes to such standards that
  may have an impact on regional (such as EU), national or US federal or
  state level financial regulation or the application thereof to Aegon,
  including the designation of Aegon by the Financial Stability Board as
  a Global Systemically Important Insurer (G-SII);
• Changes in customer behavior and public opinion in general related to,
  among other things, the type of products 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 maintain;
• Litigation or regulatory action that could require Aegon to pay
  significant damages or change the way Aegon does business or both;
• As Aegon’s operations support complex transactions and are highly
  dependent on the proper functioning of information technology,
  operational risks such as system disruptions or failures, security or
  data privacy breaches, cyberattacks, human error, failure to safeguard
  personally identifiable information, changes in operational practices
  or inadequate controls including with respect to third parties with
  which we do business 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 or a change by Aegon in
  applying such regulations and policies, voluntarily or otherwise,
  which may affect Aegon’s reported results, shareholders’ equity or
  regulatory capital adequacy levels;
• Aegon’s projected results are highly sensitive to complex mathematical
  models of financial markets, mortality, longevity, and other dynamic
  systems subject to shocks and unpredictable volatility. Should
  assumptions to these models later prove incorrect, or should errors in
  those models escape the controls in place to detect them, future
  performance will vary from projected results;
• 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 and excess cash
  and leverage ratio management initiatives.

Further details of potential risks and uncertainties affecting Aegon are
described in its filings with the Netherlands Authority for the
Financial Markets 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.

Contacts

Contacts
Media relations
Dick Schiethart
+31(0)
70 344 8821
dick.schiethart@aegon.com

Investor relations
Jan Willem Weidema
+31(0) 70 344 8028
janwillem.weidema@aegon.com