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GROUP PROFILE

AEGON N.V. is one of the world’s leading listed life insurance companies ranked by market capitalization and assets. AEGON’s head office is in The Hague, the Netherlands. At the end of 2004, AEGON companies employed about 27,000 people worldwide.

AEGON’s businesses focus on life insurance AND pensions, savings and investment products. The group is also active in accident and supplemental health insurance AND general insurance, and has limited banking activities.

AEGON’s three major markets are the United States, the Netherlands and the United Kingdom. In addition, the group is present in a number of other countries including Canada, Hungary, Slovakia, Spain and Taiwan. AEGON is also active in China.

AEGON encourages product innovation and fosters a entrepreneurial spirit within its businesses. New products and services are developed by local business units, with a continuous focus on cost control, using a multi-brand, multi-channel distribution approach to meet customers’ needs.

Respect, quality, transparency and trust constitute AEGON’s core values as the company continually strives to not only meet, but exceed the expectations of customers, shareholders, employees, business partners and other stakeholders. Pursuing its mission of creating better financial futures for all stakeholders, AEGON will continue to explore new opportunities for profitable growth.

	AEGON’S CORE VALUES
	RESPECT We treat all our stakeholders the way that we want to be treated with consideration for individual and cultural diversity. QUALITY We offer products and services that are designed to improve the futures and financial security of our stakeholders.		TRUST We build long-term relationships by honoring our commitments. TRANSPARENCY We provide open, accurate and timely information about our products, performance and financial results.

STRATEGY
	COMMITMENT TO CORE BUSINESS AEGON focuses on the financial protection and asset accumulation needs of its clients and offers insurance products, with a strong emphasis on life insurance and pensions, savings and investment products DECENTRALIZED ORGANIZATION AEGON has a multi-domestic and multi-brand approach, giving a high degree of autonomy to the management of the individual country and business units, encouraging entrepreneurial spirit and action. EMPHASIS ON PROFITABILITY AEGON aims to achieve a long-term average growth of net income of 10% per annum. The minimum return on investment is set to earn adequate returns well in excess of the cost of capital on the pricing of new business and acquisitions.		Divestment of non-core and structurally underperforming activities as well as disciplined expense management are key to achieving these objectives. MARKET POSITION AEGON’s objective is to achieve a leading position in chosen markets in order to achieve benefits of scale. INTERNATIONAL EXPANSION AEGON supplements its autonomous growth with selective acquisitions and partnerships, preferably in countries where AEGON already has a presence, in order to build scale and enhance distribution.