AIG 2013 Annual Report Download - page 72

CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING
INFORMATION
This Annual Report on Form 10-K and other publicly available documents may include, and officers and
representatives of American International Group, Inc. (AIG) may from time to time make, projections, goals,
assumptions and statements that may constitute ‘‘forward-looking statements’’ within the meaning of the Private
Securities Litigation Reform Act of 1995. These projections, goals, assumptions and statements are not historical
facts but instead represent only AIG’s belief regarding future events, many of which, by their nature, are inherently
uncertain and outside AIG’s control. These projections, goals, assumptions and statements include statements
preceded by, followed by or including words such as ‘‘believe,’’ ‘‘anticipate,’’ ‘‘expect,’’ ‘‘intend,’’ ‘‘plan,’’ ‘‘view,’’
‘‘target’’ or ‘‘estimate.’’ These projections, goals, assumptions and statements may address, among other things:
• the monetization of AIG’s interests in International • AIG’s strategy for risk management;
Lease Finance Corporation (ILFC), including whether • AIG’s generation of deployable capital;
AIG’s proposed sale of ILFC will be completed and if
completed, the timing and final terms of such sale; • AIG’s return on equity and earnings per share;
• AIG’s exposures to subprime mortgages, monoline • AIG’s strategies to grow net investment income,
insurers, the residential and commercial real estate efficiently manage capital and reduce expenses;
markets, state and municipal bond issuers and • AIG’s strategies for customer retention, growth,
sovereign bond issuers; product development, market position, financial results
• AIG’s exposure to European governments and and reserves; and
European financial institutions; • the revenues and combined ratios of AIG’s
subsidiaries.
It is possible that AIG’s actual results and financial condition will differ, possibly materially, from the results and
financial condition indicated in these projections, goals, assumptions and statements. Factors that could cause AIG’s
actual results to differ, possibly materially, from those in the specific projections, goals, assumptions and statements
include:
• changes in market conditions; • judgments concerning casualty insurance underwriting
and insurance liabilities;
• the occurrence of catastrophic events, both natural
and man-made; • judgments concerning the recognition of deferred tax
assets; and
• significant legal proceedings;
• such other factors discussed in:
• the timing and applicable requirements of any new
regulatory framework to which AIG is subject as a • Part I, Item 1A. Risk Factors of this Annual Report
savings and loan holding company (SLHC), as a on Form 10-K; and
systemically important financial institution (SIFI) and as • this Part II, Item 7. Management’s Discussion and
a global systemically important insurer (G-SII); Analysis of Financial Condition and Results of
• concentrations in AIG’s investment portfolios; Operations (MD&A) of this Annual Report on
Form 10-K.
• actions by credit rating agencies;
AIG is not under any obligation (and expressly disclaims any obligation) to update or alter any projections, goals,
assumptions or other statements, whether written or oral, that may be made from time to time, whether as a result of
new information, future events or otherwise.
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AIG 2013 Form 10-K54
ITEM 7 / MANAGEMENT’S DISCUSSION AND ANALYSIS OF
FINANCIAL CONDITION AND RESULTS OF OPERATIONS
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