Principal Financial Group 2008 Annual Report Download - page 2

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02 LETTER TO SHAREHOLDERS 06 PERSPECTIVE 08 DIVERSIFICATION 10 DISCIPLINE 12 COMMITMENT
14 AT A GLANCE 16 INVESTING FOR THE FUTURE 19 AWARDS & RECOGNITION 20 FINANCIAL HIGHLIGHTS
22 SUMMARY CONSOLIDATED FINANCIALS 26 BOARD OF DIRECTORS 27 SENIOR MANAGEMENT
2 8 REPORTABLE SEGMENTS AND PRINCIPAL FUNDS
This 2008 Year in Review provides a company overview, financial highlights and summary financial statements. For complete financial statements, including notes and
management’s discussion and analysis of financial condition and results of operations, please refer to the 2008 Form 10-K filed by the company with the Securities
and Exchange Commission, which can be found at www.principal.com/10k.
Forward Looking and Cautionary Statements
Certain statements made by the company in this Year in Review that are not historical facts may be considered forward-looking statements, including, without
limitation, statements as to sales targets, sales and earnings trends, and management’s beliefs, expectations, goals and opinions. The company does not undertake to
update these statements, which are based on a number of assumptions concerning future conditions that may ultimately prove to be inaccurate. Future events and
their effects on the company may not be those anticipated, and actual results may differ materially from the results anticipated in these forward-looking statements.
The risks, uncertainties and factors that could cause or contribute to such material differences are discussed in the company’s annual report on Form 10-K for the year
ended Dec. 31, 2008, filed with the Securities and Exchange Commission. These risks and uncertainties include, without limitation: competitive factors; volatility of
financial markets; decrease in ratings; interest rate changes; inability to attract and retain sales representatives; international business risks; foreign currency exchange
rate fluctuations; a pandemic, terrorist attack or other catastrophic event; default of the company’s re-insurers; and investment portfolio risks.
“The Principal Financial Group” and “The Principal” are registered service marks of Principal Financial Services, Inc., a member of the Principal Financial Group.
WHAT YOU NEED TO KNOW. NOW.
We’re all facing uncertain economic times. And we know you have questions about the
economy and your own finances. We’re here to help. Find the latest information to help
you make smart decisions and secure your financial future at www.principal.com/now.
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