Invest Shift 米国株投資ブログ




アメリカン・インターナショナル・グループ(American International Group、AIG)は保険会社です。2008年の金融危機で政府から救済されました。

セグメントは「Commercial Insurance」「Consumer Insurance」です。


・決算発表日 2016/2/11

Commercial Insuranceセグメントの中にあるProperty Casualty FinancialのUnderwriting lossが大幅に赤字になっています。

loss reserve developmentが$3B必要になったと書いてあります。loss reserve developmentというのは支払備金というもので、支払義務が発生すると積み立てないといけない金額のようです。

Overall Commercial Insurance – which includes property/casualty, mortgage and institutional markets — reported a pre-tax operating loss of $2.1 billion compared to pre-tax operating income of $1.2 billion in the prior-year quarter, primarily driven by the previously announced $3.0 billion charge for adverse prior year loss reserve development in Property Casualty and lower net investment income in Property Casualty and Institutional Markets, as a result of lower returns on alternative investments. The increase in Mortgage Guaranty pre-tax operating income was due to higher underwriting income.

AIG Reports $1.8 Billion Q4 Net Loss on Weak Underwriting, Investments


Moody's Investors Service Inc. has downgraded the financial strength rating of American International Group Inc.'s property/casualty units in the United States and Canada to A2 from A1, the New York-based rating agency said Wednesday.

“The downgrade of AIG's main P&C units reflects persistent adverse loss development and weak underwriting results plus the ongoing challenge of setting reserves for long-tail casualty lines,” said Bruce Ballentine, Moody's lead analyst for AIG, in the announcement.

AIG property/casualty units downgraded by Moody's | Business Insurance



Commercial Insuranceの営業利益は-$2.1Bでした。
Consumer Insuranceの営業利益は753Mでした。



四半期 Dec 31, 2015 Sep 30, 2015 Jun 30, 2015 Mar 31, 2015
売上 13.83B 12.82B 15.7B 15.98B
営業利益 -2.93B -0.12B 2.55B 3.78B
純利益 -1.84B -0.23B 1.8B 2.47B




生命保険の嘘: 「安心料」はまやかしだ

生命保険の嘘: 「安心料」はまやかしだ


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