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<SEC-DOCUMENT>0001042046-03-000084.txt : 20030331
<SEC-HEADER>0001042046-03-000084.hdr.sgml : 20030331
<ACCEPTANCE-DATETIME>20030331145512
ACCESSION NUMBER:		0001042046-03-000084
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		6
CONFORMED PERIOD OF REPORT:	20021231
FILED AS OF DATE:		20030331

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAN FINANCIAL GROUP INC
		CENTRAL INDEX KEY:			0001042046
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				311544320
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13653
		FILM NUMBER:		03629540

	BUSINESS ADDRESS:	
		STREET 1:		ONE EAST FOURTH STREET
		STREET 2:		SUITE 919
		CITY:			CINCINNATI
		STATE:			OH
		ZIP:			45202
		BUSINESS PHONE:		5135792121

	MAIL ADDRESS:	
		STREET 1:		ONE EAST FOURTH STREET
		STREET 2:		SUITE 919
		CITY:			CINCINNATI
		STATE:			OH
		ZIP:			45202

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AMERICAN FINANCIAL GROUP HOLDINGS INC
		DATE OF NAME CHANGE:	19970709
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>afg10k02.txt
<DESCRIPTION>AMERICAN FINANCIAL GROUP 2002 10-K
<TEXT>
- --------------------------------------------------------------------------------
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 10-K

              Annual Report Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

For the Fiscal Year Ended                                       Commission File
December 31, 2002                                                   No. 1-13653
                         AMERICAN FINANCIAL GROUP, INC.

Incorporated under                                            IRS Employer I.D.
the Laws of Ohio                                                 No. 31-1544320
                 One East Fourth Street, Cincinnati, Ohio 45202
                                 (513) 579-2121

Securities Registered Pursuant to Section 12(b) of the Act:
                                                        Name of Each Exchange
 Title of Each Class                                    on which Registered
 -------------------                                    -------------------
 American Financial Group, Inc.:
 Common Stock                                           New York Stock Exchange
 7-1/8% Senior Debentures due December 15, 2007         New York Stock Exchange
 7-1/8% Senior Debentures due April 15, 2009            New York Stock Exchange

 American Financial Capital Trust I (Guaranteed by Registrant):
 9-1/8% Trust Originated Preferred Securities           New York Stock Exchange

Securities Registered Pursuant to Section 12(g) of the Act:  None

Other securities for which reports are submitted pursuant to Section 15(d) of
the Act:  None

        Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months, and (2) has been subject to such filing
requirements for the past 90 days. Yes X No

        Indicate by check mark if disclosure of delinquent filers pursuant to
Item 405 of Regulation S-K is not contained herein, and need not be contained,
to the best of registrant's knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K or any
amendment to this Form 10-K. [X]

        Indicate by check mark whether the registrant is an accelerated filer.
Yes X No

        The aggregate market value of the Registrant's Common Stock held by
nonaffiliates as of the Registrant's most recently completed second fiscal
quarter (June 30, 2002) was approximately $960 million (based upon nonaffiliate
holdings of 40,224,462 shares and a market price of $23.90 per share).

        As of March 1, 2003, there were 69,244,854 shares of the Registrant's
Common Stock outstanding, excluding 18,666,614 shares owned by subsidiaries.
                                  -------------
                    Documents Incorporated by Reference: None
- --------------------------------------------------------------------------------
<PAGE>
                         AMERICAN FINANCIAL GROUP, INC.

                             INDEX TO ANNUAL REPORT

                                  ON FORM 10-K

                                                                        Page
PART I
  Item  1 - Business:
                Introduction                                               1
                Property and Casualty Insurance Operations                 2
                Annuity and Life Operations                               15
                Other Companies                                           19
                Investment Portfolio                                      19
                Foreign Operations                                        20
                Regulation                                                20
  Item  2 - Properties                                                    21
  Item  3 - Legal Proceedings                                             22
  Item  4 - Submission of Matters to a Vote of Security Holders          (a)


PART II
  Item  5 - Market for Registrant's Common Equity and Related
               Stockholder Matters                                        24
  Item  6 - Selected Financial Data                                       25
  Item  7 - Management's Discussion and Analysis of Financial
               Condition and Results of Operations                        26
  Item 7A - Quantitative and Qualitative Disclosures About
               Market Risk                                                43
  Item  8 - Financial Statements and Supplementary Data                   44
  Item  9 - Changes in and Disagreements with Accountants on
               Accounting and Financial Disclosure                       (a)


PART III
  Item 10 - Directors and Executive Officers of the Registrant            44
  Item 11 - Executive Compensation                                        44
  Item 12 - Security Ownership of Certain Beneficial Owners
               and Management and Related Stockholder Matters             44
  Item 13 - Certain Relationships and Related Transactions                44
  Item 14 - Controls and Procedures                                       44


PART IV
  Item 15 - Exhibits, Financial Statement Schedules and
               Reports on Form 8-K                                       S-1


  (a) The response to this Item is "none".





- --------------------------------------------------------------------------------




<PAGE>
                         AMERICAN FINANCIAL GROUP, INC.

                           FORWARD-LOOKING STATEMENTS


This Form 10-K, chiefly in Items 1, 3, 5, 7 and 8, contains certain
forward-looking statements that are subject to numerous assumptions, risks or
uncertainties. The Private Securities Litigation Reform Act of 1995 provides a
safe harbor for forward-looking statements. Some of the forward-looking
statements can be identified by the use of forward-looking words such as
"anticipates", "believes", "expects", "estimates", "intends", "plans", "seeks",
"could", "may", "should", "will" or the negative version of those words or other
comparable terminology. Examples of such forward-looking statements include
statements relating to: expectations concerning market and other conditions and
their effect on future premiums, revenues, earnings and investment activities;
recoverability of asset values; expected losses and the adequacy of reserves for
asbestos, environmental pollution and mass tort claims; rate increases, improved
loss experience and expected expense savings resulting from recent initiatives.

Actual results could differ materially from those contained in or implied by
such forward-looking statements for a variety of factors including:

   o     changes in economic conditions, including interest rates, performance
         of securities markets, and the availability of capital;
   o     regulatory actions;
   o     changes in legal environment;
   o     tax law changes;
   o     levels of natural catastrophes, terrorist events, incidents of war and
         other major losses;
   o     the ultimate amount of liabilities associated with certain asbestos
         and environmental-related claims;
   o     the unpredictability of possible future litigation if certain
         settlements do not become effective;
   o     adequacy of insurance reserves;
   o     trends in mortality and morbidity;
   o     availability of reinsurance and ability of reinsurers to pay their
         obligations;
   o     competitive pressures, including the ability to obtain rate increases;
         and
   o     changes in debt and claims paying ratings.

The forward-looking statements herein are made only as of the date of this
report. The Company assumes no obligation to publicly update any forward-looking
statements.














<PAGE>
                                     PART I

                                     ITEM 1

                                    BUSINESS
                                    --------


Please refer to "Forward-Looking Statements" following the Index in front of
this Form 10-K.

INTRODUCTION

      American Financial Group, Inc. ("AFG") is a holding company which, through
subsidiaries, is engaged primarily in property and casualty insurance, focusing
on specialized commercial products for businesses, and in the sale of retirement
annuities, life, and supplemental health insurance products. AFG was
incorporated as an Ohio corporation in 1997 for the purpose of merging
predecessor holding companies which had originated in 1955. Its insurance
subsidiaries have been operating as far back as the 1800's. Its address is One
East Fourth Street, Cincinnati, Ohio 45202; its phone number is (513) 579-2121.
SEC filings, news releases and other information may be accessed free of charge
through AFG's Internet site at: www.amfnl.com.

      AFG's predecessor had been formed in 1994 for the purpose of acquiring
American Financial Corporation ("AFC") and American Premier Underwriters, Inc.
("American Premier" or "APU") in merger transactions completed in 1995.

      At December 31, 2002, Carl H. Lindner, members of his immediate family and
trusts for their benefit (collectively the "Lindner Family") beneficially owned
approximately 44% of AFG's outstanding voting Common Stock.

      Over the years, AFG and its predecessors have owned, operated, and
invested in businesses in a variety of industries and geographic areas,
culminating in today's group of insurance companies. Generally, AFG's interests
have been in the following areas: insurance, savings and loan, leasing, banking,
real estate, communications/entertainment and food distribution. A small number
of opportunistic investments have been made in troubled and other undervalued
assets.

RECENT TRANSACTIONS

       Infinity Property and Casualty Corporation ("Infinity") was incorporated
in September 2002 as a wholly-owned subsidiary of AFG. On December 31, 2002, AFG
transferred to Infinity the following subsidiaries: Atlanta Casualty Company,
Infinity Insurance Company, Leader Insurance Company and Windsor Insurance
Company. In exchange, AFG received all of the issued and outstanding shares of
Infinity common stock and a $55 million 10-year promissory note. In addition,
effective January 1, 2003, Great American Insurance Company ("GAI"), an AFG
subsidiary, transferred to Infinity its personal insurance business written
through independent agents. In 2002, 2001 and 2000, these businesses represented
28%, 35% and 46%, respectively, of AFG's property and casualty group's net
written premiums. In a February 2003 public offering, AFG sold 61% (12.5 million
shares) of Infinity for net proceeds of approximately $186 million, realizing a
pretax loss of approximately $40 million. In January 2003, GAI entered into an
agreement to sell its direct-to-consumer auto business.
<PAGE>
      In March 2001, GAI sold its Japanese property and casualty division to
Mitsui Marine & Fire Insurance Company of America for $22 million in cash. At
the same time, a reinsurance agreement under which GAI ceded a portion of its
pool of insurance to Mitsui was terminated. The Japanese division generated net
written premiums of approximately $60 million per year to GAI while GAI ceded
approximately $45 million per year to Mitsui.

      In connection with the sale of the Japanese division, GAI continues to
write certain business for, and fully reinsures it to, Mitsui. When GAI sold its
commercial lines division in 1998, it had a similar arrangement which lasted
through early 2001. Such business does not appear in the net written premiums or
net earned premiums information herein.


                                        1
<PAGE>
      In September 2000, AFG sold Stonewall Insurance Company for approximately
$31 million. Stonewall was a non-operating property and casualty subsidiary
engaged primarily in the run-off of approximately $170 million in asbestos and
environmental liabilities associated with policies written through 1991.

The businesses discussed above are included in the tables and financial
statements herein through their respective disposal dates.

PROPERTY AND CASUALTY INSURANCE OPERATIONS

       AFG's property and casualty group has been engaged primarily in specialty
and private passenger automobile insurance businesses which have been managed as
two major business groups: Specialty and Personal. Each group has reported to an
individual senior executive and is comprised of multiple business units which
operate autonomously but with certain strong central controls and full
accountability. Decentralized control allows each unit the autonomy necessary to
respond to local and specialty market conditions while capitalizing on the
efficiencies of centralized investment and administrative support functions.
Approximately 40% of the 7,100 people employed by AFG's property and casualty
insurance operations at December 31, 2002 work for the businesses transferred to
Infinity.

      The property and casualty group operates in a highly competitive industry
that is affected by many factors which can cause significant fluctuations in its
results of operations. The industry has historically been subject to pricing
cycles characterized by periods of intense competition and lower premium rates
(a "downcycle") followed by periods of reduced competition, reduced underwriting
capacity due to lower policyholders' surplus and higher premium rates (an
"upcycle"). After being in an extended downcycle for over a decade, the property
and casualty insurance industry is experiencing significant market firming and
price increases in certain specialty markets and in the private passenger
automobile market.

      The primary objective of AFG's property and casualty insurance operations
is to achieve solid underwriting profitability while providing excellent service
to its policyholders. Underwriting profitability is measured by the combined
ratio which is a sum of the ratios of underwriting losses, loss adjustment
expenses ("LAE"), underwriting expenses and policyholder dividends to premiums.
When the combined ratio is under 100%, underwriting results are generally
considered profitable; when the ratio is over 100%, underwriting results are
generally considered unprofitable. The combined ratio does not reflect
investment income, other income or federal income taxes.

      While many costs included in underwriting may be readily determined
(commissions, administrative expenses, many of the losses on claims reported),
the process of determining overall underwriting results is also highly dependent
upon the use of estimates in the case of losses incurred or expected but not yet
reported or developed. Actuarial procedures and projections are used to obtain
"best estimates" which are then included in the overall results. While the
process is imprecise and develops amounts which are subject to change over time,
AFG's projections, excluding asbestos and environmental ("A&E") claims, have
been close to the developed ultimate results, as can be seen in the "reserve
development triangles" on page 13.
<PAGE>
      AFG's property and casualty group, like many others in the industry, has
A&E claims arising in most cases from general liability policies written in
years before 1987. The establishment of reserves for such A&E claims presents
unique and difficult challenges and is subject to uncertainties significantly
greater than those presented by other types of claims.

      In February 2003, GAI entered into an agreement for the settlement of
asbestos-related coverage litigation from insurance policies issued in the
1970's and 1980's. Management believes that the $123.5 million settlement (GAI
has the option to pay in cash or over time with 5.25% interest) with parties
related to and known as A.P. Green Industries, Inc. will enhance financial
certainty and provide resolution to litigation that represents AFG's largest
known asbestos-related claim and the only such claim that management believes to
be material. For a discussion of


                                        2
<PAGE>
uncertainties related to A&E claims, see Management's Discussion and Analysis -
"Asbestos and Environmental-related Reserves."

      Management's focus on underwriting performance has resulted in a statutory
combined ratio averaging 107.2% for the period 1998 to 2002 (or 104.4% excluding
special charges in 2002, 2001 and 1998 related to asbestos and other
environmental matters), as compared to 109.1% for the property and casualty
industry over the same period (Source: "Best's Review/Preview -
Property/Casualty" - January 2003 Edition). AFG believes that its product line
diversification and underwriting discipline have contributed to the Company's
ability to consistently outperform the industry's underwriting results.
Management's philosophy is to refrain from writing business that is not expected
to produce an underwriting profit even if it is necessary to limit premium
growth to do so.

      Generally, while financial data is reported on a statutory basis for
insurance regulatory purposes, it is reported in accordance with generally
accepted accounting principles ("GAAP") for shareholder and other investment
purposes. In general, statutory accounting results in lower capital and surplus
and lower net earnings than result from application of GAAP. Major differences
include charging policy acquisition costs to expense as incurred rather than
spreading the costs over the periods covered by the policies; reporting
investment-grade bonds and redeemable preferred stocks at amortized cost;
netting of reinsurance recoverables and prepaid reinsurance premiums against the
corresponding liability; requiring additional loss reserves; and charging to
surplus certain assets, such as furniture and fixtures and agents' balances over
90 days old.

      Unless indicated otherwise, the financial information presented for the
property and casualty insurance operations herein is presented based on GAAP.

      The following table shows (in millions) certain information of AFG's
property and casualty insurance operations.
                                          2002        2001        2000
                                          ----        ----        ----
    STATUTORY BASIS
    ---------------
    Premiums Earned                    $ 2,372     $ 2,566      $2,484
    Admitted Assets                      7,233       6,736       6,472
    Unearned Premiums                    1,168       1,158       1,154
    Loss and LAE Reserves (net)          3,607       3,539       3,445
    Capital and Surplus                  1,742       1,669       1,763

    GAAP BASIS
    ----------
    Premiums Earned                    $ 2,403     $ 2,594      $2,495
    Total Assets                        10,927      10,007       9,458
    Unearned Premiums                    1,848       1,641       1,414
    Loss and LAE Reserves (gross)(*)     5,204       4,778       4,516
    Shareholder's Equity                 3,241       3,288       3,360

    (*)  GAAP loss and LAE reserves net of reinsurance recoverable were $3.4
         billion at December 31, 2002, $3.3 billion at December 31, 2001, and
         $3.2 billion at December 31, 2000.



                                        3
<PAGE>
      The following table shows the segment, independent ratings, and size (in
millions) of AFG's major property and casualty insurance subsidiaries. AFG
continues to focus on growth opportunities in what it believes to be more
profitable specialty businesses.

                                                           Net Written Premiums
                                                          ---------------------
   Company                     (Ratings - AM Best/S&P)    Personal    Specialty
   ---------------------------------------------------    --------    ---------

   Great American Pool(a):                   A      A
     Written through independent agents                       $ 80(b)    $  929
     Written directly with customers                           108(c)        -

   Mid-Continent                             A      A           19          215
   Republic Indemnity                        A-     A            2          219
   National Interstate                       A-     -           -            92
   American Empire Surplus Lines             A      A           -           116

   Infinity Property and Casualty:
     Infinity                                A      A          233(b)        -
     Windsor                                 A      A          145(b)        -
     Atlanta Casualty                        A      A          142(b)        -
     Leader                                  A      A           93(b)        -
   Other                                                        14            6
                                                              ----       ------
                                                              $836       $1,577
                                                              ====       ======

   (a)  The Great American Pool represents approximately 15 subsidiaries.
   (b)  Business transferred to Infinity Property and Casualty Corporation
        except for $6 million in assigned risk business retained by GAI. In
        February 2003, AFG sold 61% of Infinity in a public offering.
   (c)  The direct-to-consumer business which GAI agreed to sell in 2003
        produced $79 million of the 2002 premiums.






















                                        4
<PAGE>

      The following table shows the performance of AFG's property and casualty
insurance operations (dollars in millions):

                                            2002         2001          2000
                                            ----         ----          ----
    Gross written premiums (a)            $3,935       $3,520        $3,231
    Ceded reinsurance (a)                 (1,521)        (938)         (593)
                                          ------       ------        ------
    Net written premiums                  $2,414       $2,582(b)     $2,638
                                          ======       ======        ======

    Net earned premiums                   $2,403       $2,594        $2,495
    Loss and LAE                           1,785        1,980         1,962
    Asbestos litigation settlement            30         -             -
    Special A&E charge                      -             100          -
    Underwriting expenses                    606          737           732
    Policyholder dividends                     8            5             3
                                          ------       ------        ------
    Underwriting loss                    ($   26)     ($  228)      ($  202)
                                          ======       ======        ======

    GAAP ratios:
      Loss and LAE ratio                    75.5%        80.2%         78.6%
      Underwriting expense ratio            25.3         28.4          29.3
      Policyholder dividend ratio             .3           .2            .1
                                          ------       ------        ------
      Combined ratio (c)                   101.1%       108.8%        108.0%
                                          ======       ======        ======

    Statutory ratios:
      Loss and LAE ratio                    76.4%        81.1%         80.1%
      Underwriting expense ratio            25.0         28.3          28.4
      Policyholder dividend ratio             .2           .3            .3
                                          ------       ------        ------
      Combined ratio (c)                   101.6%       109.7%        108.8%
                                          ======       ======        ======

    Industry statutory combined ratio(d)   105.7%       116.0%        110.1%

    (a)   Excludes the following premiums that were written on behalf of,
          and fully reinsured to, the purchasers of the Commercial lines and
          Japanese divisions:  2002 - $173 million; 2001 - $143 million; and
          2000 - $213 million.
    (b)   Before a reduction of $29.7 million for unearned premium transfer
          related to the sale of the Japanese division.
    (c)   The 2002 combined ratios include 1.2 percentage points (GAAP) and
          1.3 points (statutory) related to the A.P. Green asbestos
          litigation settlement. The 2001 combined ratios include 3.9
          percentage points for the third quarter strengthening of insurance
          reserves relating to A&E matters and 1 percentage point
          attributable to the attack on the World Trade Center. The 2000
          combined ratios include 1.4 percentage points for reserve
          strengthening in AFG's California workers' compensation business.
    (d)   Ratios are derived from "Best's Review/Preview - Property/Casualty"
          (January 2003 Edition).
<PAGE>
      As with other property and casualty insurers, AFG's operating results can
be adversely affected by unpredictable catastrophe losses. Certain natural
disasters (hurricanes, tornadoes, floods, forest fires, etc.) and other
incidents of major loss (explosions, civil disorder, fires, etc.) are classified
as catastrophes by industry associations. Losses from these incidents are
usually tracked separately from other business of insurers because of their
sizable effects on overall operations. AFG generally seeks to reduce its
exposure to such events through individual risk selection and the purchase of
reinsurance. Total net losses to AFG's insurance operations from catastrophes
were $7 million in 2002; $42 million in 2001 and $8 million in 2000. These
amounts are included in the tables herein. AFG's catastrophe losses in 2001
included $25 million related to the terrorist attack on the World Trade Center.

      The Terrorism Risk Insurance Act of 2002 ("TRIA") is to be in effect until
the end of 2005 and establishes a temporary Terrorism Risk Insurance Program
which requires commercial insurers to offer virtually all policyholders coverage
for certain "acts of terrorism" as defined by TRIA. This federal legislation
provides that coverage may not materially differ from the terms, amounts, and
other coverage limitations applicable to losses arising from occurrences other
than terrorism. The federal government provides some stop loss insurance to
insurers after an act has

                                        5
<PAGE>

been certified by the government as an act of terrorism and after an insurer has
paid losses in excess of a deductible. The deductible progresses from 7% to 15%
of direct earned premium in each of the three program years. TRIA supersedes
state insurance law to the extent that such law is inconsistent with its terms.

      For 2003, AFG would have to sustain losses in excess of $128 million to be
eligible for the reinsurance under TRIA. AFG believes that it is unlikely that
its losses in the event of a terrorist act would be so significant as to exceed
the deductible necessary to participate in the federal reinsurance. AFG
generally seeks to limit its exposure to catastrophe losses including those
arising from terrorist acts. AFG is complying with the obligations of TRIA to
offer coverage but continues to review its business with consideration of the
price it charges for such coverage, as well as through management of individual
risk selection.

SPECIALTY

      GENERAL The Specialty group emphasizes the writing of specialized
insurance coverage where AFG personnel are experts in particular lines of
business or customer groups. The following are examples of such specialty
businesses:

 Inland and Ocean Marine      Provides coverage primarily for marine cargo,
                              boat dealers, marina operators/dealers, excursion
                              vessels, builder's risk, contractor's equipment,
                              excess property and motor truck cargo.

 Workers' Compensation        Writes coverage for prescribed benefits
                              payable to employees (principally in California)
                              who are injured on the job.

 Agricultural-related         Provides federally reinsured multi-peril crop
                              (allied lines) insurance covering most perils
                              as well as crop hail, equine mortality and
                              other coverages for full-time operating
                              farms/ranches and agribusiness operations on a
                              nationwide basis.

 Executive and Professional   Markets coverage for attorneys, architects and
   Liability                  engineers, and for directors and officers of
                              businesses and not-for-profit organizations.

 Fidelity and Surety Bonds    Provides surety coverage for various types of
                              contractors and public and private corporations
                              and fidelity and crime coverage for
                              government, mercantile and financial institutions.

 Collateral Protection        Provides coverage for insurance risk management
                              programs for lending and leasing institutions.

 Umbrella and Excess          Provides higher layer liability coverage in
   Liability                  excess of primary layers.

 Excess and Surplus           Specially designed insurance products offered
                              to those that can't find coverage in standard
                              markets.
<PAGE>
 Commercial Automobile        Markets customized insurance programs for public
                              transportation operations (such as busses and
                              limousines), and a specialized physical damage
                              product for the trucking industry.


      Specialization is the key element to the underwriting success of these
business units. Each unit has independent management with significant operating
autonomy to oversee the important operational functions of its business such as
underwriting, pricing, marketing, policy processing and claims service. These
specialty businesses are opportunistic and their premium volume will vary based
on prevailing market conditions. AFG continually evaluates expansion in existing
markets and opportunities in new specialty markets that meet its profitability
objectives.



                                        6
<PAGE>

      The U.S. geographic distribution of the Specialty group's statutory direct
written premiums in 2002 (excluding business written on behalf of, and fully
reinsured to, the purchaser of the Japanese division) compared to 1998 is shown
below.
                      2002      1998                           2002        1998
                      ----      ----                           ----        ----
    California        21.4%     22.1%       Pennsylvania        2.7%        2.6%
    Texas              9.9       7.1        New Jersey          2.6         3.8
    New York           5.7       6.6        Michigan            2.1         2.4
    Florida            5.5       4.1        Missouri            2.0          *
    Illinois           4.3       3.7        Massachusetts        *          4.8
    Georgia            3.0       2.2        North Carolina       *          3.0
    Ohio               2.9       2.3        Connecticut          *          2.2
    Oklahoma           2.8       3.0        Other              35.1        30.1
                                                              -----       -----
                                                              100.0%      100.0%
                                                              =====       =====
    (*) less than 2%

The following table sets forth a distribution of statutory net written premiums
for AFG's Specialty group by NAIC annual statement line for 2002 compared to
1998.
                                                2002           1998
                                                ----           ----
    Other liability                             30.1%          19.7%
    Workers' compensation                       16.2           23.5
    Auto liability                               8.7            9.0
    Commercial multi-peril                       8.6           10.7
    Inland marine                                7.2           10.1
    Fidelity and surety                          5.8            4.5
    Collateral protection                        5.3             *
    Auto physical damage                         4.8            4.5
    Ocean marine                                 3.7            3.2
    Product Liability                            2.7             *
    Allied lines                                 2.5            4.7
    Aircraft                                      *             4.0
    Other                                        4.4            6.1
                                               -----          -----
                                               100.0%         100.0%
    ------------------                         =====          =====
    (*) less than 2%















                                        7
<PAGE>

      The following table shows the performance of AFG's Specialty group
insurance operations (dollars in millions):
                                            2002         2001          2000
                                            ----         ----          ----

    Gross written premiums (a)            $2,713       $2,236        $1,889
    Ceded reinsurance (a)                 (1,136)        (694)         (565)
                                          ------       ------        ------
    Net written premiums                  $1,577       $1,542(b)     $1,324
                                          ======       ======        ======

    Net earned premiums                   $1,497       $1,409        $1,223
    Loss and LAE                           1,009          997           902
    Underwriting expenses                    455          430           413
    Policyholder dividends                     8            5             3
                                          ------       ------        ------
    Underwriting profit (loss)            $   25      ($   23)      ($   95)
                                          ======       ======        ======

    GAAP ratios:
      Loss and LAE ratio                    67.5%        70.7%         73.8%
      Underwriting expense ratio            30.4         30.6          33.8
      Policyholder dividend ratio             .5           .4            .3
                                          ------       ------        ------
      Combined ratio (c)                    98.4%       101.7%        107.9%
                                          ======       ======        ======

    Statutory ratios:
      Loss and LAE ratio                    68.7%        73.6%         76.5%
      Underwriting expense ratio            31.1         30.5          31.4
      Policyholder dividend ratio             .3           .5            .5
                                          ------       ------        ------
      Combined ratio (c)                   100.1%       104.6%        108.4%
                                          ======       ======        ======

    Industry statutory combined ratio (d)  103.4%       117.1%        108.2%

    (a)      Excludes the following premiums that were written on behalf of,
             and fully reinsured to, the purchasers of the Commercial lines
             and Japanese divisions:  2002 - $173 million; 2001 - $143 million;
             and 2000 - 213 million.
    (b)      Before a reduction of $29.7 million for unearned premium transfer
             related to the sale of the Japanese division.
    (c)      The 2001 combined ratios include 1.8 percentage points attributable
             to the attack on the World Trade Center. The 2000 combined ratios
             include 2.9 percentage points for reserve strengthening in AFG's
             California workers' compensation business. Because the combined
             ratio is calculated based on premiums, the impact of these two
             items is greater for the Specialty segment alone than it is for the
             overall company.
    (d)      Represents the commercial industry statutory combined ratio derived
             from "Best's Review/Preview - Property/Casualty" (January 2003
             Edition).
<PAGE>
      MARKETING The Specialty group operations direct their sales efforts
primarily through independent property and casualty insurance agents and
brokers, although portions are written through employee agents. These businesses
write insurance through several thousand agents and brokers and have
approximately 440,000 policies in force.

      COMPETITION These businesses compete with other individual insurers,
state funds and insurance groups of varying sizes, some of which are mutual
insurance companies possessing competitive advantages in that all their profits
inure to their policyholders. They also compete with self-insurance plans,
captive programs and risk retention groups. Because of the specialty nature of
these coverages, competition is based primarily on service to policyholders and
agents, specific characteristics of products offered and reputation for claims
handling. Price, commissions and profit sharing terms are also important
factors. Management believes that sophisticated data analysis for refinement of
risk profiles, extensive specialized knowledge and loss prevention service have
helped AFG's Specialty group compete successfully.


                                        8
<PAGE>

PERSONAL

      GENERAL The Personal group wrote primarily private passenger automobile
liability and physical damage insurance, and to a lesser extent, homeowners'
insurance. In February 2003, AFG sold 61% of Infinity Property and Casualty
Corporation in a public offering. The businesses sold in the Infinity
transaction represented 82% of the Personal group's 2002 net written premiums.
In January 2003, GAI entered into an agreement to sell its direct-to-consumer
auto business. As a result of these transactions, AFG's future interest in
personal lines insurance will be limited to two subsidiaries that generated less
than $35 million in net written premiums in 2002, certain direct-to-consumer
business in run-off that had approximately $28 million in net written premiums
in 2002 and its 39% continuing interest in Infinity.

      Historically, the majority of the Personal group's auto premiums was from
sales in the nonstandard market covering drivers unable to obtain insurance
through standard market carriers due to factors such as age, record of prior
accidents, driving violations, particular occupation or type of vehicle. The
Personal group's approach to its auto business was to develop tailored rates for
its personal automobile customers based on a variety of factors, including the
driving record of the insureds, the number of and type of vehicles covered,
credit history, and other factors. Management believes this approach enabled the
Personal group to rate each risk appropriately and provided a means to serve a
broad spectrum of customers.

      The Personal group's approach to homeowners business was to limit exposure
in locations which have significant catastrophic potential (such as windstorms,
earthquakes and hurricanes). Since 1997, the Personal group ceded the majority
of its homeowners' business through reinsurance agreements; in 2002, it ceded
80% of this business.

      The Personal group held licenses to write policies in all states and the
District of Columbia. The U.S. geographic distribution of the Personal group's
statutory direct written premiums in 2002 compared to 1998, was as follows:

                   2002     1998                             2002      1998
                   ----     ----                             ----      ----
 California        28.7%    14.8%       New Jersey            2.8%      3.3%
 New York          10.0      6.2        Oklahoma              2.2        *
 Florida           10.0      9.4        South Carolina        2.0        *
 Connecticut        8.3     10.0        North Carolina          *       2.8
 Pennsylvania       7.2      5.5        Arizona                 *       2.6
 Georgia            6.0     10.1        Missouri                *       2.0
 Texas              4.0      5.0        Other                18.8      28.3
                                                            -----     -----
                                                            100.0%    100.0%
    ----------------                                        =====     =====
    (*) less than 2%

    The Personal group's underwriting strategy was to sell its products through
independent agents in the states that management believed offer the greatest
opportunity for profitable growth based on market size and legal and regulatory
environments. Management was focused on obtaining adequate rates to achieve
underwriting profitability and was willing to forego volume to meet its profit
objectives. Since April 1, 2001, the Personal group ceded 90% of the automobile
physical damage business written by certain subsidiaries under reinsurance
agreements.
                                        9
<PAGE>

    The following table shows the performance of AFG's Personal group insurance
operations (dollars in millions):

                                               2002         2001         2000
                                               ----         ----         ----

  Gross written premiums                     $1,221       $1,284       $1,339
  Ceded reinsurance                            (385)        (244)         (28)
                                             ------       ------       ------
  Net written premiums                       $  836       $1,040       $1,311
                                             ======       ======       ======

  Net earned premiums                        $  905       $1,183       $1,270
  Loss and LAE                                  753          970        1,061
  Underwriting expenses (a)                     151          306          317
                                             ------       ------       ------
  Underwriting profit (loss)                 $    1      ($   93)     ($  108)
                                             ======       ======       ======

  GAAP ratios:
  Loss and LAE ratio                           83.1%        82.1%        83.6%
  Underwriting expense ratio (a)               16.7         25.8         25.0
                                             ------       ------       ------
  Combined ratio                               99.8%       107.9%       108.6%
                                             ======       ======       ======

  Statutory ratios:
  Loss and LAE ratio                           83.4%        82.3%        83.9%
  Underwriting expense ratio (a)               13.3         25.0         25.2
                                             ------       ------       ------
  Combined ratio                               96.7%       107.3%       109.1%
                                             ======       ======       ======

  Industry statutory combined ratio (b)       105.6%       111.6%       110.3%

  (a)      The Personal group recorded commissions of $159 million in 2002 and
           $47 million in 2001 on business ceded to reinsurers.  Commissions on
           ceded business are recorded as a reduction of underwriting expenses.

  (b)      Represents the personal lines industry statutory combined ratio
           derived from "Best's Review/Preview - Property/Casualty" (January
           2003 Edition).

      The Personal group had approximately 790,000 auto policies in force at
December 31, 2002, over 75% of which had policy limits of $50,000 or less per
occurrence.










                                       10
<PAGE>

REINSURANCE

      Consistent with standard practice of most insurance companies, AFG
reinsures a portion of its business with other insurance companies and assumes a
relatively small amount of business from other insurers. Ceding reinsurance
permits diversification of risks and limits the maximum loss arising from large
or unusually hazardous risks or catastrophic events. The availability and cost
of reinsurance are subject to prevailing market conditions which may affect the
volume and profitability of business that is written. AFG is subject to credit
risk with respect to its reinsurers, as the ceding of risk to reinsurers
generally does not relieve AFG of its liability to its insureds until claims are
fully settled.

      AFG regularly monitors the financial strength of its reinsurers. This
process periodically results in the transfer of risks to more financially secure
reinsurers. Substantially all reinsurance is ceded to reinsurers having more
than $100 million in capital and A.M. Best ratings of "A-" or better. AFG
further minimizes the credit risk of certain ceding arrangements, including the
90% automobile physical damage quota share, by entering into the contracts on a
"funds withheld" basis. Under "funds withheld" arrangements, AFG retains ceded
premiums, in exchange for a fee, to fund ceded losses as they become due from
the reinsurer. As an alternative method to reduce credit risk, AFG has, on
occasion, required reinsurers to secure financial guarantees or establish lines
of credit to support recoverables under reinsurance agreements. Excluding Mitsui
and Ohio Casualty (discussed below), approximately half of AFG's total
reinsurance recoverable (net of funds withheld) at December 31, 2002, was with
the following companies: American Re-Insurance Company, Swiss Reinsurance
America Corporation, General Reinsurance Corporation, X.L. Reinsurance America,
Inc., Converium Reinsurance North America, Inc., Employers Reinsurance
Corporation, Inter-Ocean Reinsurance (Ireland) Ltd., Continental Casualty
Company, Everest Reinsurance Company, Transatlantic Reinsurance Company,
Hartford Fire Insurance Company, Berkley Insurance Company and Folksamerica
Reinsurance Company. At December 31, 2002, less than 1% of AFG's reinsurance
recoverable balance was with companies affiliated with reinsurer Gerling Global
Re., a European reinsurer which has been the subject of recent news articles.
<PAGE>
      Reinsurance is provided on one of two bases, facultative or treaty.
Facultative reinsurance is generally provided on a risk by risk basis.
Individual risks are ceded and assumed based on an offer and acceptance of risk
by each party to the transaction. Treaty reinsurance provides for risks meeting
prescribed criteria to be automatically ceded and assumed according to contract
provisions. The following table presents (by type of coverage) the amount of
each loss above the specified retention maximum generally covered by treaty
reinsurance programs (in millions):

                                             Retention       Reinsurance
    Coverage                                   Maximum       Coverage(a)
    --------                                 ---------       -----------
    California Workers' Compensation             $ 1.0             $99.0
    Other Workers' Compensation                    2.0              48.0
    Commercial Umbrella                            3.6              46.4
    Other Casualty                                 5.0              25.0
    Property - General                             2.0              28.0 (b)
    Property - Catastrophe                        10.0              65.0

        (a)  Reinsurance covers substantial portions of losses in excess of
             retention. However, in general, losses resulting from terrorism are
             not covered.
        (b)  Since 1997, AFG has ceded at least 80% of its homeowners insurance
             coverage through reinsurance agreements. Since April 1, 2001, AFG
             has ceded 90% of the automobile physical damage business written by
             certain subsidiaries. In July 2002, AFG added certain specialty
             businesses to the 90% reinsurance agreement.

      AFG also purchases facultative reinsurance providing coverage on a risk by
risk basis, both pro rata and excess of loss, depending on the risk and
available reinsurance markets.

      Included in the balance sheet caption "recoverables from reinsurers and
prepaid reinsurance premiums" were approximately $226 million on paid losses and
LAE and $1.8 billion on unpaid losses and LAE at December 31, 2002. The
collectibility of a reinsurance balance is based upon the financial condition of
a reinsurer as well as



                                       11
<PAGE>

individual claim considerations. At December 31, 2002, AFG's insurance
subsidiaries had allowances of approximately $38 million for doubtful collection
of reinsurance recoverables.

      Premiums written for reinsurance ceded and assumed are presented in the
following table (in millions):

                                                  2002      2001     2000
                                                  ----      ----     ----
    Reinsurance ceded                           $1,693    $1,114     $803
    Reinsurance assumed - including
      involuntary pools and associations            80        94       76

      In connection with the sales of the Japanese division to Mitsui in 2001
and the Commercial lines division to Ohio Casualty in 1998, Great American
agreed to issue and renew policies related to the businesses transferred until
each purchaser received the required approvals and licensing to begin writing
business on their own behalf. Under these agreements, which last for a few
years, Great American cedes 100% of these premiums to the respective purchaser.
In 2002, 2001, and 2000, premiums of $173 million, $143 million, and $213
million, respectively, were ceded under these agreements.

LOSS AND LOSS ADJUSTMENT EXPENSE RESERVES

      The consolidated financial statements include the estimated liability for
unpaid losses and LAE of AFG's insurance subsidiaries. This liability represents
estimates of the ultimate net cost of all unpaid losses and LAE and is
determined by using case-basis evaluations and actuarial projections. These
estimates are subject to the effects of changes in claim amounts and frequency
and are periodically reviewed and adjusted as additional information becomes
known. In accordance with industry practices, such adjustments are reflected in
current year operations.

      Generally, reserves for reinsurance and involuntary pools and associations
are reflected in AFG's results at the amounts reported by those entities.




















                                       12

<PAGE>

      The following discussion of insurance reserves includes the reserves of
American Premier's subsidiaries for only those periods following its acquisition
in 1995. See Note M to the Financial Statements for an analysis of changes in
AFG's estimated liability for losses and LAE, net and gross of reinsurance, over
the past three years on a GAAP basis.

      The following table presents the development of AFG's liability for losses
and LAE, net of reinsurance, on a GAAP basis for the last ten years, excluding
reserves of American Premier subsidiaries prior to 1995. The top line of the
table shows the estimated liability (in millions) for unpaid losses and LAE
recorded at the balance sheet date for the indicated years. The second line
shows the re-estimated liability as of December 31, 2002. The remainder of the
table presents intervening development as percentages of the initially estimated
liability. The development results from additional information and experience in
subsequent years. The middle line shows a cumulative deficiency (redundancy)
which represents the aggregate percentage increase (decrease) in the liability
initially estimated. The lower portion of the table indicates the cumulative
amounts paid as of successive periods as a percentage of the original loss
reserve liability. For purposes of this table, reserves of businesses sold are
considered paid at the date of sale. For example, the percentage of the December
31, 1997 reserve liability paid in 1998 includes approximately 10 percentage
points for reserves ceded in connection with the sale of the Commercial lines
division.
<PAGE>
<TABLE>
<CAPTION>
                                    1992     1993     1994     1995    1996     1997     1998    1999     2000     2001     2002
                                    ----     ----     ----     ----    ----     ----     ----    ----     ----     ----     ----
<S>                             <C>       <C>      <C>      <C>     <C>      <C>     <C>      <C>     <C>      <C>      <C>

Liability for unpaid losses
and loss adjustment expenses:
- ----------------------------
  As originally estimated         $2,123   $2,113   $2,187   $3,393  $3,404   $3,489   $3,305  $3,224   $3,192   $3,253   $3,400
  As re-estimated at
    December 31, 2002              2,551    2,464    2,545    3,654   3,667    3,687    3,172   3,194    3,355    3,424      N/A

Liability re-estimated:
- ----------------------
  One year later                    99.9%    98.1%    95.9%    98.7%  100.9%   104.5%    97.8%   98.1%   105.1%   105.2%
  Two years later                   98.2%    94.1%    99.3%    98.5%  105.9%   104.6%    96.3%  100.1%   105.1%
  Three years later                 95.2%    97.4%    99.9%   103.9%  105.2%   102.9%    97.4%   99.0%
  Four years later                 100.3%    98.9%   109.4%   103.1%  103.6%   105.4%    96.0%
  Five years later                 102.6%   109.7%   109.0%   102.9%  106.9%   105.7%
  Six years later                  113.6%   108.8%   108.5%   106.8%  107.7%
  Seven years later                112.3%   108.5%   115.3%   107.7%
  Eight years later                112.2%   115.5%   116.4%
  Nine years later                 119.1%   116.6%
  Ten years later                  120.2%

Cumulative deficiency
  (redundancy):
    Aggregate                       20.2%    16.6%    16.4%     7.7%    7.7%     5.7%   ( 4.0%) ( 1.0%)    5.1%     5.2%     N/A
                                    ====     ====     ====     ====    ====     ====     ====    ====     ====     ====      ===
    Excluding the 2002 A.P.
    Green settlement charge
    and special A&E charges
    and reallocations in
    1994, 1996, 1998 and 2001      ( 0.9%)  ( 3.5%)  ( 3.0%)  ( 4.8%) ( 2.4%)  ( 4.2%)  ( 8.0%) ( 5.0%)    1.0%     4.3%     N/A
                                    ====     ====     ====     ====    ====     ====     ====    ====     ====     ====      ===

Cumulative paid as of:
- ---------------------
  One year later                    26.7%    25.2%    26.8%    33.1%   33.8%    41.7%    28.3%   34.8%    38.3%    33.6%
  Two years later                   43.7%    40.6%    42.5%    51.6%   58.0%    56.6%    51.7%   52.7%    52.2%
  Three years later                 54.2%    50.9%    54.4%    67.2%   66.7%    70.8%    62.4%   60.0%
  Four years later                  60.8%    59.1%    66.3%    72.0%   77.3%    78.6%    65.6%
  Five years later                  67.0%    68.0%    69.8%    80.4%   82.8%    81.1%
  Six years later                   74.0%    70.8%    80.0%    84.7%   84.6%
  Seven years later                 76.3%    80.6%    84.9%    86.0%
  Eight years later                 85.9%    85.1%    86.1%
  Nine years later                  89.5%    86.3%
  Ten years later                   90.7%
</TABLE>
<PAGE>
    The following is a reconciliation of the net liability to the gross
liability for unpaid losses and LAE.
<TABLE>
<CAPTION>
                                             1993     1994     1995    1996     1997     1998    1999     2000     2001     2002
                                             ----     ----     ----    ----     ----     ----    ----     ----     ----     ----
<S>                             <C>       <C>      <C>      <C>     <C>      <C>     <C>      <C>     <C>      <C>      <C>
  As originally estimated:
    Net liability shown above              $2,113   $2,187   $3,393  $3,404   $3,489   $3,305  $3,224   $3,192   $3,253   $3,400
    Add reinsurance recoverables              611      730      704     720      736    1,468   1,571    1,324    1,525    1,804
                                           ------   ------   ------  ------   ------   ------  ------   ------   ------   ------
    Gross liability                        $2,724   $2,917   $4,097  $4,124   $4,225   $4,773  $4,795   $4,516   $4,778   $5,204
                                           ======   ======   ======  ======   ======   ======  ======   ======   ======   ======
  As re-estimated at
  December 31, 2002:
    Net liability shown above              $2,464   $2,545   $3,654  $3,667   $3,687   $3,172  $3,194   $3,355   $3,424
    Add reinsurance recoverables              956      885    1,126   1,142    1,219    1,841   1,942    1,569    1,681
                                           ------   ------   ------  ------   ------   ------  ------   ------   ------
    Gross liability                        $3,420   $3,430   $4,780  $4,809   $4,906   $5,013  $5,136   $4,924   $5,105      N/A
                                           ======   ======   ======  ======   ======   ======  ======   ======   ======      ===

Gross cumulative deficiency
  (redundancy)                               25.5%    17.7%    16.7%   16.6%    16.1%     5.0%    7.1%     9.0%     6.8%     N/A
                                             ====     ====     ====    ====     ====     ====    ====     ====     ====      ===

</TABLE>
                                       13
<PAGE>

      These tables do not present accident or policy year development data.
Furthermore, in evaluating the re-estimated liability and cumulative deficiency
(redundancy), it should be noted that each percentage includes the effects of
changes in amounts for prior periods. For example, AFG's $100 million special
charge for A&E claims related to losses recorded in 2001, but incurred before
1992, is included in the re-estimated liability and cumulative deficiency
(redundancy) percentage for each of the previous years shown. Conditions and
trends that have affected development of the liability in the past may not
necessarily exist in the future. Accordingly, it may not be appropriate to
extrapolate future redundancies or deficiencies based on this table.

      The adverse development in the tables is due primarily to A&E exposures
for which AFG has been held liable under general liability policies written
years ago where such coverage was not intended. Other factors affecting
development included higher than projected inflation on medical,
hospitalization, material, repair and replacement costs. Additionally, changes
in the legal environment have influenced the development patterns over the past
ten years. For example, changes in the California workers' compensation law in
1993 and subsequent court decisions, primarily in late 1996, greatly limited the
ability of insurers to challenge medical assessments and treatments. These
limitations, together with changes in work force characteristics and medical
delivery costs, are contributing to an increase in claims severity.

      The differences between the liability for losses and LAE reported in the
annual statements filed with the state insurance departments in accordance with
statutory accounting principles ("SAP") and that reported in the accompanying
consolidated financial statements in accordance with GAAP at December 31, 2002
are as follows (in millions):


    Liability reported on a SAP basis, net of $238 million
      of retroactive reinsurance                                    $3,368
        Additional discounting of GAAP reserves in excess
          of the statutory limitation for SAP reserves                 (13)
        Reserves of foreign operations                                   7
        Reinsurance recoverables, net of allowance                   1,804
        Reclassification of allowance for uncollectible
          Reinsurance                                                   38
                                                                    ------

    Liability reported on a GAAP basis                              $5,204
                                                                    ======

      ASBESTOS AND ENVIRONMENTAL RESERVES ("A&E") In addressing asbestos and
environmental reserves, the insurance industry typically includes claims
relating to polluted waste sites and asbestos as well as other mass tort claims
such as those relating to breast implants, repetitive stress on keyboards, DES
(a drug used in pregnancies years ago alleged to cause cancer and birth defects)
and other latent injuries.

      Establishing reserves for A&E claims is subject to uncertainties that are
significantly greater than those presented by other types of claims. For a
discussion of these uncertainties, see Management's Discussion and Analysis
- -"Uncertainties - Asbestos and Environmental-related Reserves", and "Special A&E
Charge" and Note K - "Commitments and Contingencies" to the Financial
Statements.
<PAGE>
      The survival ratio, which is an industry measure of A&E claim reserves, is
derived by dividing reserves for A&E exposures by annual paid losses. At
December 31, 2002, AFG's three year survival ratio (after adjusting for the sale
of Stonewall and excluding amounts associated with the A.P. Green settlement) is
approximately 22.4 times paid losses for the remaining asbestos reserves and
11.6 times paid losses for total A&E reserves. In October 2002, A.M. Best
reported its estimate that the property and casualty insurance industry's three
year survival ratio for A&E reserves was approximately 7.2 times paid losses at
December 31, 2001.
                                       14
<PAGE>

      The following table (in millions) is a progression of A&E reserves.

                                                       2002      2001      2000
                                                       ----      ----      ----

    Reserves at beginning of year                    $446.8    $357.7    $576.7
      Incurred losses and LAE (a)                      48.6     108.0      (1.9)
      Paid losses and LAE                             (28.7)    (28.1)    (48.7)
    Reserves not classified as A&E prior to 2001:
      Reserves                                          -         1.4       -
      Allowance for uncollectible reinsurance
        applicable to ceded A&E reserves                -         7.8       -
      Reserves transferred with sale of Stonewall       -         -      (168.4)
                                                     ------    ------    ------
      Reserves at end of year, net of
        reinsurance recoverable                       466.7     446.8     357.7

    Reinsurance recoverable, net of allowance         105.1     101.4     105.7
                                                     ------     -----    ------

    Gross reserves at end of year                    $571.8    $548.2    $463.4
                                                     ======    ======    ======

    (a)  Includes $30 million in 2002 related to the settlement of the A.P.
         Green asbestos litigation and a special charge of $100 million in 2001.

ANNUITY AND LIFE OPERATIONS

GENERAL

      AFG's annuity and life operations are conducted through Great American
Financial Resources, Inc. ("GAFRI"), a holding company which markets retirement
products, primarily fixed and variable annuities, and various forms of life and
supplemental health insurance through the following subsidiaries which were
acquired in the years shown. GAFRI and its subsidiaries employ approximately
1,600 persons.

        Great American Life Insurance Company ("GALIC") - 1992(*)
        Annuity Investors Life Insurance Company ("AILIC") - 1994
        Loyal American Life Insurance Company ("Loyal") - 1995
        Great American Life Assurance Company of Puerto Rico ("GAPR") - 1997
        United Teacher Associates Insurance Company ("UTA") - 1999
        Manhattan National Life Insurance Company ("MNL") - 2002

        (*)  Acquired from Great American Insurance.
<PAGE>
      Acquisitions in recent years have supplemented GAFRI's internal growth as
the assets of the holding company and its operating subsidiaries have increased
from $4.5 billion at the end of 1992 to $9.3 billion at the end of 2002.
Premiums over the last three years were as follows (in millions):

        Insurance Product(*)                    2002        2001        2000
        -----------------                       ----        ----        ----
        Annuities                             $1,001      $  751      $  747
        Life and supplemental health             313         310         261
                                              ------      ------      ------
                                              $1,314      $1,061      $1,008
                                              ======      ======      ======
        -----------------
        (*)  Table does not include premiums of subsidiaries or divisions until
             their first full year following acquisition or formation.

ANNUITIES

      GAFRI's principal retirement products are Flexible Premium Deferred
Annuities ("FPDAs") and Single Premium Deferred Annuities ("SPDAs"). Annuities
are long-term retirement saving instruments that benefit from income accruing on
a tax-deferred basis. The issuer of the annuity collects premiums, credits
interest or earnings on the policy and pays out a benefit upon death, surrender
or annuitization. FPDAs are characterized by premium payments that are flexible
in both amount and timing as determined by the policyholder. SPDAs are issued in
exchange for a one-time lump-sum premium payment.


                                       15
<PAGE>

     The following table (in millions) presents combined financial information
of GAFRI's principal annuity operations.

                                             2002         2001        2000
                                             ----         ----        ----
    GAAP Basis
    Total Assets                           $8,014       $7,456      $7,052
    Fixed Annuity Reserves                  6,111        5,632       5,365
    Variable Annuity Reserves                 455          530         534
    Stockholder's Equity                    1,139        1,023         915

    Statutory Basis
    Total Assets                           $7,319       $6,896      $6,620
    Fixed Annuity Reserves                  6,192        5,729       5,536
    Variable Annuity Reserves                 455          530         534
    Capital and Surplus                       419          388         363
    Asset Valuation Reserve (a)                63           79          77
    Interest Maintenance Reserve (a)           27           11           3

    Annuity Receipts:
      Flexible Premium:
        First Year                         $   60       $   67      $   71
        Renewal                               191          176         157
                                           ------       ------      ------
                                              251          243         228
      Single Premium                          750          508         519
                                           ------       ------      ------
        Total Annuity Receipts             $1,001       $  751      $  747
                                           ======       ======      ======


    (a) Allocation of surplus.

      Sales of annuities are affected by many factors, including: (i)
competitive annuity products and rates; (ii) the general level of interest
rates; (iii) the favorable tax treatment of annuities; (iv) commissions paid to
agents; (v) services offered; (vi) ratings from independent insurance rating
agencies; (vii) other alternative investments; (viii) performance of the equity
markets and (ix) general economic conditions. At December 31, 2002, GAFRI had
over 300,000 annuity policies in force.

      Annuity contracts are generally classified as either fixed rate (including
equity-indexed) or variable. The following table presents premiums by
classification:
                                      2002        2001       2000
                                      ----        ----       ----
          Premiums
          --------
          Traditional fixed             77%         68%        50%
          Variable                      18          27         43
          Equity-indexed                 5           5          7
                                       ---         ---        ---
                                       100%        100%       100%
                                       ===         ===        ===
<PAGE>
      With a traditional fixed rate annuity, the interest crediting rate is
initially set by the issuer and thereafter may be changed from time to time by
the issuer subject to any guaranteed minimum interest crediting rates or any
guaranteed term in the policy.

      GAFRI seeks to maintain a desired spread between the yield on its
investment portfolio and the rate it credits to its fixed rate annuities. GAFRI
accomplishes this by: (i) offering crediting rates which it has the option to
change after any initial guarantee period; (ii) designing annuity products that
encourage persistency and (iii) maintaining an appropriate matching of assets
and liabilities. GAFRI designs its products with certain provisions to encourage
policyholders to maintain their funds with GAFRI for at least five to ten years.

      Virtually all of GAFRI's traditional fixed rate annuities offer a minimum
interest rate guarantee of 3% or 4% (as determined by applicable law); the
majority permit GAFRI to change the crediting rate at any time (subject to the
minimum guaranteed interest rates). In determining the frequency and extent of
changes in the crediting rate, GAFRI takes into account the economic environment
and the relative competitive position of its products.  Historically, management
has been able to react to changes in market interest rates and maintain a
desired interest

                                       16
<PAGE>
rate spread. The recent interest rate environment has resulted in a compression
of the spread, which could continue at least through 2003.

      Sales of GAFRI's fixed rate annuities have increased over the past three
years, due to the weak stock market environment, as well as the development of
new products.

      In addition to traditional fixed rate annuities, GAFRI offers variable and
equity-indexed annuities. Industry sales of such annuities increased
substantially in the 1990's as investors sought to obtain the returns available
in the equity markets while enjoying the tax-deferred status of annuities. With
a variable annuity, the earnings credited to the policy vary based on the
investment results of the underlying investment options chosen by the
policyholder, generally without any guarantee of principal except in the case of
death of the insured annuitant. Premiums directed to the variable options in
policies issued by GAFRI are invested in funds maintained in separate accounts
managed by various independent investment managers. GAFRI earns a fee on amounts
deposited into variable accounts. Policyholders may also choose to direct all or
a portion of their premiums to various fixed rate options, in which case GAFRI
earns a spread on amounts deposited. With the downturn in the stock market
during the past three years, industry wide sales of variable annuities,
including GAFRI's sales, have decreased substantially.

      An equity-indexed fixed annuity provides policyholders with a crediting
rate tied, in part, to the performance of an existing stock market index while
protecting them against the related downside risk through a guarantee of
principal. GAFRI purchases call options designed to offset substantially all of
the increase in the liabilities associated with equity-indexed annuities. In
2002, GAFRI chose to suspend new sales of equity-indexed annuities due primarily
to a lack of volume.

      No individual state accounted for more than 10% of GAFRI's annuity
premiums in the past three years except as follows:

                                  2002        2001        2000
                                  ----        ----        ----
            California              16%         17%         24%
            Washington              10           -           -
            Ohio                     -          13           -

      GAFRI's FPDAs are sold primarily to employees of not-for-profit and
commercial organizations who are eligible to save for retirement through
contributions made on a before-tax or after-tax basis. Contributions are made at
the discretion of the participants through payroll deductions or through
tax-free "rollovers" of funds from other qualified investments. Federal income
taxes are not payable on pretax contributions or earnings until amounts are
withdrawn.

      GAFRI distributes its fixed rate products primarily through a network of
130 managing general agents ("MGAs") who, in turn, direct more than 1,300
actively producing independent agents. The top 15 MGAs accounted for nearly
two-thirds of GAFRI's fixed annuity premiums in 2002. No one MGA represented
more than 9% of total fixed annuity premiums in 2002. In addition, GAFRI offers
all of its annuity product lines through financial institutions. Sales of
annuities through financial institutions were approximately 6% of total annuity
premiums in 2002.
<PAGE>
      In 2002, GAFRI exited the highly competitive single premium, non-qualified
segment of the variable annuity market due primarily to insufficient returns and
a lack of critical mass. GAFRI intends to redesign its variable product and
offer it as an ancillary product solely through its fixed annuity sales
channels. Approximately one-third of GAFRI's variable annuity sales in 2002 were
made through a wholly-owned subsidiary, Great American Advisors, Inc. ("GAA").
GAA is a broker/dealer licensed in all 50 states to sell stocks, bonds, options,
mutual funds and variable insurance contracts through independent
representatives and financial institutions. GAA also acts as the principal
underwriter and distributor for GAFRI's variable annuity products.

                                       17
<PAGE>

LIFE AND SUPPLEMENTAL INSURANCE

      GAFRI offers a variety of life and supplemental health products through
GALIC's life operations, MNL, Loyal, GAPR and UTA. This group produced $313
million of statutory premiums in 2002.

      GALIC offers traditional term, universal and whole life insurance products
through national marketing organizations. In 2002, GAFRI issued over $8.0
billion gross ($1.9 billion net) face amount of insurance through its life
operations; at year-end 2002, this operation had approximately 228,000 policies
and $39 billion gross ($12 billion net) face amount of insurance in force.

      UTA, provides supplemental health products and annuities through
independent agents. UTA's principal health products include coverage for
Medicare supplement, cancer and long-term care. In 2000, UTA purchased a block
of approximately 50,000 Medicare supplement and cancer policies.

      Loyal offers a variety of supplemental health and life products. The
principal products sold by Loyal include cancer, accidental injury, short-term
disability, hospital indemnity, universal life and traditional whole life. In
2001, Loyal reinsured a substantial portion of its life insurance business,
reduced its operating expenses, and redirected its marketing efforts in that
line of business. In 2002, Loyal's operations were consolidated with UTA's
operations.

      At year-end 2002, GAFRI's operating units writing supplemental insurance
products had assets of nearly $800 million and approximately 354,000 policies
with annualized health premiums in force of $185 million and gross life
insurance in force of $1.4 billion.

      GAPR sells in-home service life and supplemental health products through a
network of company-employed agents. Ordinary life, cancer, credit and group life
products are sold through independent agents.

INDEPENDENT RATINGS

      GAFRI's principal insurance subsidiaries are rated by A.M. Best and
Standard & Poor's. In addition, GALIC is rated A+ (strong) by Fitch and A3 (good
financial security) by Moody's. Such ratings are generally based on concerns of
policyholders and agents and are not directed toward the protection of
investors. Following are the ratings as of March 1, 2003:
                                                          Standard
                                A.M. Best                 & Poor's
                                -------------             ---------
          GALIC                 A (Excellent)             A-(Strong)
          AILIC                 A (Excellent)             A-(Strong)
          Loyal                 A (Excellent)             Not rated
          UTA                   A-(Excellent)             Not rated
          GAPR                  A (Excellent)             Not rated

      GAFRI believes that the ratings assigned by independent insurance rating
agencies are important because potential policyholders often use a company's
rating as an initial screening device in considering annuity products. GAFRI
believes that (i) a rating of "A" by A.M. Best (its third highest rating) is
necessary to successfully market tax-deferred annuities to public education
employees and other not-for-profit groups and (ii) a rating in the "A" category
by at least one rating agency is necessary to successfully compete in other
annuity markets.
<PAGE>
      GAFRI's insurance ratings were recently affirmed by Fitch (with a stable
outlook), and affirmed by Moody's (with a negative outlook); its ratings were
downgraded by Standard & Poor's (with a negative outlook). GAFRI's operations
could be materially and adversely affected by additional downgrades. In
connection with recent reviews by independent rating agencies, management
indicated that it intends to maintain the capital of its significant insurance
subsidiaries at levels currently indicated by the rating agencies as appropriate
for the current ratings. Items which could adversely affect capital levels
include (i) a sustained decrease in the stock market in 2003 or beyond; (ii) a
significant period of low interest rates and a resulting significant narrowing
of annuity "spread"; (iii) investment impairments; (iv) a change in statutory
reserving requirements for guaranteed


                                       18
<PAGE>

minimum death benefits on variable annuities, (v) adverse mortality, and
(vi) higher than planned dividends paid due to liquidity needs by GAFRI's
holding companies.

COMPETITION

      GAFRI's insurance companies operate in highly competitive markets. They
compete with other insurers and financial institutions based on many factors,
including: (i) ratings; (ii) financial strength; (iii) reputation; (iv) service
to policyholders and agents; (v) product design (including interest rates
credited and premium rates charged); and (vi) commissions. Since policies are
marketed and distributed primarily through independent agents (except at GAPR),
the insurance companies must also compete for agents.

      No single insurer dominates the markets in which GAFRI's insurance
companies compete. Competitors include (i) individual insurers and insurance
groups, (ii) mutual funds and (iii) other financial institutions. In a broader
sense, GAFRI's insurance companies compete for retirement savings with a variety
of financial institutions offering a full range of financial services. Financial
institutions have demonstrated a growing interest in marketing investment and
savings products other than traditional deposit accounts.

OTHER COMPANIES

      Through subsidiaries, AFG is engaged in a variety of other operations,
including The Golf Center at Kings Island in the Greater Cincinnati area;
commercial real estate operations in Cincinnati (office buildings and The
Cincinnatian Hotel), New Orleans (Le Pavillon Hotel), Cape Cod (Chatham Bars
Inn), Austin (Driskill Hotel), Chesapeake Bay (Skipjack Cove Yachting Resort),
Charleston (Charleston Harbor Resort and Marina) and apartments in Louisville,
Pittsburgh, St. Paul and Tampa Bay. These operations employ approximately 800
full-time employees.
<PAGE>
INVESTMENT PORTFOLIO

      GENERAL The following tables present the percentage distribution and
yields of AFG's investment portfolio (excluding investment in equity securities
of investee corporations) as reflected in its financial statements.
<TABLE>
<CAPTION>

                                                2002           2001          2000         1999         1998
                                                ----           ----          ----         ----         ----
<S>                                        <C>             <C>           <C>          <C>          <C>

Cash and Short-term Investments                  6.4%           4.5%          3.8%         3.5%         2.6%
Fixed Maturities:
  U.S. Government and Agencies                   9.9            8.3           4.7          4.9          4.4
  State and Municipal                            4.3            3.4           3.6          2.7          1.2
  Public Utilities                               7.6            6.4           5.5          5.1          6.0
  Mortgage-Backed Securities                    22.8           21.8          22.7         22.0         20.8
  Corporate and Other                           39.6           47.3          51.4         55.3         53.0
  Redeemable Preferred Stocks                     .4             .5            .5           .6           .5
                                               -----          -----         -----        -----        -----
                                                84.6           87.7          88.4         90.6         85.9
  Net Unrealized Gains (Losses)                  3.3            1.3            .1         (2.1)         3.5
                                               -----          -----         -----        -----        -----
                                                87.9           89.0          88.5         88.5         89.4
Other Stocks, Options and Warrants               2.2            2.6           3.4          3.7          3.7
Policy Loans                                     1.6            1.7           1.9          1.9          1.9
Real Estate and Other Investments                1.9            2.2           2.4          2.4          2.4
                                               -----          -----         -----        -----        -----
                                               100.0%         100.0%        100.0%       100.0%       100.0%
                                               =====          =====         =====        =====        =====

Yield on Fixed Income Securities:
  Excluding realized gains and losses            7.2%           7.6%          7.7%         7.7%         7.8%
  Including realized gains and losses            6.6%           7.5%          7.4%         7.6%         8.0%

Yield on Stocks:
  Excluding realized gains and losses            5.4%           4.5%          5.0%         5.9%         5.4%
  Including realized gains and losses           (4.6%)          (.3%)         3.9%        20.7%        (5.3%)

Yield on Investments (*):
  Excluding realized gains and losses            7.1%           7.6%          7.6%         7.7%         7.8%
  Including realized gains and losses            6.5%           7.4%          7.9%         7.8%         8.2%
</TABLE>
(*)  Excludes "Real Estate and Other Investments".


                                       19
<PAGE>

FIXED MATURITY INVESTMENTS

      AFG's bond portfolio is invested primarily in taxable bonds. The NAIC
assigns quality ratings which range from Class 1 (highest quality) to Class 6
(lowest quality). The following table shows AFG's bonds and redeemable preferred
stocks, by NAIC designation (and comparable Standard & Poor's Corporation
rating) as of December 31, 2002 (dollars in millions).
                                                            Market Value
 NAIC                                      Amortized     ------------------
Rating     Comparable S&P Rating                Cost        Amount        %
- ------     ---------------------           ---------     ---------      ---
  1        AAA, AA, A                        $ 8,335       $ 8,772       73%
  2        BBB                                 2,304         2,395       20
                                             -------       -------      ---
              Total investment grade          10,639        11,167       93
                                             -------       -------      ---
  3        BB                                    495           435        4
  4        B                                     299           292        2
  5        CCC, CC, C                             76            74        1
  6        D                                      41            39        *
                                             -------       -------      ---
              Total noninvestment grade          911           840        7
                                             -------       -------      ---
              Total                          $11,550       $12,007      100%
                                             =======       =======      ===
 -----------------
 (*)  Less than 1%

      Risks inherent in connection with fixed income securities include loss
upon default and market price volatility. Factors which can affect the market
price of securities include: creditworthiness, changes in interest rates, the
number of market makers and investors and defaults by major issuers of
securities.

      AFG's primary investment objective for fixed maturities is to earn
interest and dividend income rather than to realize capital gains. AFG invests
in bonds and redeemable preferred stocks that have primarily intermediate-term
maturities. This practice allows flexibility in reacting to fluctuations of
interest rates.

EQUITY INVESTMENTS

      At December 31, 2002, AFG held $300 million in stocks and warrants;
approximately 63% represents an investment in Provident Financial Group, Inc., a
Cincinnati-based commercial banking and financial services company; another 12%
consists of three investments of more than $8 million each. Such equity
investments, because of their size, may not be as readily marketable as the
typical small investment position. Alternatively, a large equity position may be
attractive to persons seeking to control or influence the policies of a company.

FOREIGN OPERATIONS

      AFG sells life and supplemental health products in Puerto Rico and
property and casualty products in Mexico, Canada, Puerto Rico, Europe and Asia.
In addition, GAFRI has an office in India where employees perform computer
programming and certain back office functions. Less than 3% of AFG's revenues
and costs and expenses are derived from sources outside of the United States.
<PAGE>
REGULATION

      AFG's insurance company subsidiaries are subject to regulation in the
jurisdictions where they do business. In general, the insurance laws of the
various states establish regulatory agencies with broad administrative powers
governing, among other things, premium rates, solvency standards, licensing of
insurers, agents and brokers, trade practices, forms of policies, maintenance of
specified reserves and capital for the protection of policyholders, deposits of
securities for the benefit of policyholders, investment activities and
relationships between insurance subsidiaries and their parents and affiliates.
Material transactions between insurance subsidiaries and their parents and
affiliates generally must be disclosed and prior approval of the applicable
insurance regulatory authorities generally is required for any such transaction
which may be deemed to be material or extraordinary. In addition, while
differing from state to state, these regulations typically restrict the maximum
amount of dividends that may be paid by an insurer to its shareholders in


                                       20
<PAGE>

any twelve-month period without advance regulatory approval. Such limitations
are generally based on net earnings or statutory surplus. Under applicable
restrictions, the maximum amount of dividends available to AFG in 2003 from its
insurance subsidiaries without seeking regulatory clearance is approximately
$24 million. During 2002, those companies received approval and paid $92 million
in dividends in excess of the applicable limitation.

      Changes in state insurance laws and regulations have the potential to
materially affect the revenues and expenses of the insurance operations. For
example, between July 1993 and January 1995, the California Commissioner ordered
reductions in workers' compensation insurance premium rates totaling more than
30% and subsequently replaced the workers' compensation insurance minimum rate
law with an "open rating" policy. The Company is unable to predict whether or
when other state insurance laws or regulations may be adopted or enacted or what
the impact of such developments would be on the future operations and revenues
of its insurance businesses.

      Most states have created insurance guaranty associations to provide for
the payment of claims of insurance companies that become insolvent. Annual
assessments for AFG's insurance companies have not been material. In addition,
many states have created "assigned risk" plans or similar arrangements to
provide state mandated minimum levels of automobile liability coverage to
drivers whose driving records or other relevant characteristics make it
difficult for them to obtain insurance otherwise. Automobile insurers in those
states are required to provide such coverage to a proportionate number of those
drivers applying as assigned risks. Premium rates for assigned risk business are
established by the regulators of the particular state plan and are frequently
inadequate in relation to the risks insured, resulting in underwriting losses.
Assigned risks accounted for less than one percent of AFG's net written premiums
in 2002.

      The NAIC is an organization which is comprised of the chief insurance
regulator for each of the 50 states and the District of Columbia. The NAIC model
law for Risk Based Capital applies to both life and property and casualty
companies. The risk-based capital formulas determine the amount of capital that
an insurance company needs to ensure that it has an acceptably low expectation
of becoming financially impaired. The model law provides for increasing levels
of regulatory intervention as the ratio of an insurer's total adjusted capital
and surplus decreases relative to its risk-based capital, culminating with
mandatory control of the operations of the insurer by the domiciliary insurance
department at the so-called "mandatory control level". At December 31, 2002, the
capital ratios of all AFG insurance companies substantially exceeded the
risk-based capital requirements.



- -------------------------------------------------------------------------------
<PAGE>

                                     ITEM 2

                                   PROPERTIES
                                   ----------

      Subsidiaries of AFG own several buildings in downtown Cincinnati. AFG and
its affiliates occupy about three-fourths of the aggregate 660,000 square feet
of commercial and office space.

      AFG's insurance subsidiaries lease the majority of their office and
storage facilities in numerous cities throughout the United States, including
Great American's and GAFRI's home offices in Cincinnati. A GAFRI subsidiary owns
a 40,000 square foot office building in Austin, Texas, most of which is used by
the company for its operations.

      AFG subsidiaries own transferable rights to develop approximately
1.3 million square feet of floor space in the Grand Central Terminal area in New
York City. The development rights were derived from ownership of the land upon
which the terminal is constructed. Since the beginning of 1999, AFG has sold
approximately 420,000 square feet of such air rights for total consideration of
$22.2 million.




                                       21
<PAGE>

                                     ITEM 3

                                LEGAL PROCEEDINGS
                                -----------------

Please refer to "Forward-Looking Statements" following the Index in front of
this Form 10-K.

      AFG and its subsidiaries are involved in various litigation, most of which
arose in the ordinary course of business, including litigation alleging bad
faith in dealing with policyholders and challenging certain business practices
of insurance subsidiaries. Except for the following, management believes that
none of the litigation meets the threshold for disclosure under this Item.

      AFG's insurance company subsidiaries and American Premier are parties to
litigation and receive claims asserting alleged injuries and damages from
asbestos, environmental and other substances and workplace hazards and have
established loss accruals for such potential liabilities. The ultimate loss for
these claims may vary materially from amounts currently recorded as the
conditions surrounding resolution of these claims continue to change.

      American Premier is a party or named as a potentially responsible party in
a number of proceedings and claims by regulatory agencies and private parties
under various environmental protection laws, including the Comprehensive
Environmental Response, Compensation and Liability Act ("CERCLA"), seeking to
impose responsibility on American Premier for hazardous waste remediation costs
at certain railroad sites formerly owned by its predecessor, Penn Central
Transportation Company ("PCTC"), and at certain other sites where hazardous
waste allegedly generated by PCTC's railroad operations and APU's former
manufacturing operations is present. It is difficult to estimate American
Premier's liability for remediation costs at these sites for a number of
reasons, including the number and financial resources of other potentially
responsible parties involved at a given site, the varying availability of
evidence by which to allocate responsibility among such parties, the wide range
of costs for possible remediation alternatives, changing technology and the
period of time over which these matters develop. Nevertheless, American Premier
believes that its accruals for potential environmental liabilities are adequate
to cover the probable amount of such liabilities, based on American Premier's
estimates of remediation costs and related expenses and its estimates of the
portions of such costs that will be borne by other parties. Such estimates are
based on information currently available to American Premier and are subject to
future change as additional information becomes available. American Premier
seeks reimbursement from certain insurers for portions of whatever remediation
costs it incurs.
<PAGE>
      As previously reported, Great American Insurance Company and certain other
insurers have been parties to asbestos-related coverage litigation under
insurance policies issued during the 1970's and 1980's to Bigelow-Liptak
Corporation and related companies, subsequently known as A.P. Green Industries,
Inc. ("A.P. Green"). These claims (some of which are direct actions against
Great American) allege that the refractory materials manufactured, sold or
installed by A.P. Green contained asbestos and resulted in bodily injury from
exposure to asbestos. A.P. Green has sought to recover defense and indemnity
expenses related to those claims from a number of insurers, including Great
American, and in an effort to maximize coverage has asserted that Great
American's policies are not subject to aggregate limits on liability, and that
each insurer is liable for all sums that A.P. Green becomes legally obliged to
pay.

      In February 2002, A.P. Green filed petitions for bankruptcy under Chapter
11 of the Bankruptcy Code in the United States Bankruptcy Court for the Western
District of Pennsylvania (In Re Global Industrial Technologies, Inc., et al,
filed February 14, 2002). Prior to the bankruptcy filing, Great American sought
to have these coverage issues decided as part of the contribution and
declaratory judgment action that it brought several years earlier (Great
American Insurance Company, et al v. The Royal Insurance Company, et al, United
States District Court, Southern District of Ohio, filed January 29, 1998) (the
"District Court Action"). The bankruptcy filing, however, stayed the District
Court action.

      In March 2002, Great American and other insurers filed a motion in the
Bankruptcy Court to modify the stay so as to permit the District Court action to


                                       22
<PAGE>

proceed. During the same month, A.P. Green filed adversary proceedings in the
Bankruptcy Court to decide the coverage issues. In June of 2002, the Bankruptcy
Court entered orders continuing proceedings on both the stay motion and the
adversary proceeding and referred the insurance coverage dispute to non-binding
mediation. The mediation resulted in the negotiated settlement discussed below.

      On February 19, 2003, AFG announced that Great American Insurance
Company has entered into an agreement for the settlement of the A.P. Green
litigation. The settlement is for $123.5 million (Great American has the option
to pay in cash or over time with 5.25% interest), all but $30 million of which
will be covered by reserves established prior to September 30, 2002, and
anticipated reinsurance recoverables. The remaining $30 million has been
recorded as of December 31, 2002. The agreement allows up to 10% of the
settlement to be paid in AFG Common Stock. The settlement, however, is subject
to a number of contingencies, including approval of the Bankruptcy Court
supervising the reorganization of A.P. Green and subsequent confirmation of a
plan of reorganization that includes an injunction prohibiting the assertion
against Great American of any present or future asbestos personal injury claims
under policies issued to A.P. Green and related companies. This process could
take a year or more and no assurance can be made that all of these consents and
approvals will be obtained; no payments are required until completion of the
process. If not obtained, the outcome of this litigation will again be subject
to the complexities and uncertainties associated with a Chapter 11 proceeding
and asbestos coverage litigation.

      UTA was named a defendant in a purported class action lawsuit. (Peggy
Berry, et al. v. United Teacher Associates Insurance Company, Travis County
District Court, Case No. GN100461, filed February 11, 2001). The complaint
sought unspecified damages based on the alleged misleading disclosure of UTA's
interest crediting practices on its fixed rate annuities. UTA has entered into
an agreement to resolve this matter. The settlement is subject to approval of
the trial court. The resolution of this matter is not expected to have a
material impact on UTA.























                                       23
<PAGE>

                                     PART II

                                     ITEM 5

      MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS
      ---------------------------------------------------------------------

Please refer to "Forward-Looking Statements" following the Index in front of
this Form 10-K.

      AFG Common Stock has been listed and traded on the New York Stock Exchange
under the symbol AFG. The information presented in the table below represents
the high and low sales prices per share reported on the NYSE Composite Tape.

                                   2002                         2001
                           --------------------        ---------------------
                             High           Low          High            Low
                           ------        ------        ------         ------

  First Quarter            $28.81        $22.85        $29.00         $21.80
  Second Quarter            30.30         22.51         30.30          23.30
  Third Quarter             26.30         17.90         30.75          18.35
  Fourth Quarter            24.80         20.82         25.33          20.20

      There were approximately 13,200 shareholders of record of AFG Common Stock
at March 1, 2003. In 2002 and 2001, AFG declared and paid quarterly dividends of
$.125 and $.25 per share, respectively. AFG reduced the annual dividends on its
Common Stock from $1.00 to $.50 per share beginning in 2002 in order to retain
available capital to grow its profitable insurance operations and build
long-term value. The ability of AFG to pay dividends will be dependent upon,
among other things, the availability of dividends and payments under
intercompany tax allocation agreements from its insurance company subsidiaries.
<PAGE>
EQUITY COMPENSATION PLAN INFORMATION

      The following reflects certain information about shares of AFG Common
Stock authorized for issuance (at December 31, 2002) under compensation plans.
<TABLE>
<CAPTION>
                                                                                  Number of securities
                                                                                  available for future
                                Number of securities                             issuance under equity
                                 to be issued upon        Weighted-average        compensation plans
                                    exercise of          exercise price of       (excluding securities
Equity Compensation Plans       outstanding options     outstanding options     reflected in column (a))
- -------------------------       -------------------     -------------------     ------------------------
<S>                         <C>                     <C>                     <C>

                                        (a)                     (b)                      (c)
Approved by shareholders             6,982,562                $27.58                 5,007,936 (1)
Not approved by
  shareholders                         none                     n/a                    497,860 (2)
</TABLE>

(1)  Includes options exercisable into 2.7 million shares available for issuance
     under AFG's Stock Option Plan, 2.2 million shares issuable under AFG's
     Employee Stock Purchase Plan and 79,265 shares issuable under AFG's
     Nonemployee Directors' Compensation Plan.

(2)  Represents shares issuable under AFG's Deferred Compensation Plan. Under
     this Plan, certain highly compensated employees of AFG and its subsidiaries
     may defer up to 80% of their annual salary and/or bonus. Participants may
     elect to have the value of deferrals (i) earn a fixed rate of interest, set
     annually by the Board of Directors, or (ii) fluctuate based on the market
     value of AFG Common Stock, as adjusted to reflect stock splits,
     distributions, dividends, and a 7-1/2% match to participant deferrals.

                                       24
<PAGE>

                                     ITEM 6

                             SELECTED FINANCIAL DATA

      The following table sets forth certain data for the periods indicated
(dollars in millions, except per share data).
<TABLE>
<CAPTION>
                                                      2002         2001         2000         1999          1998
                                                      ----         ----         ----         ----          ----
<S>                                              <C>          <C>          <C>         <C>            <C>
Earnings Statement Data:
- -----------------------
Total Revenues                                      $3,750       $3,924       $3,817       $3,360        $4,082
Operating Earnings Before Income Taxes                 178           56          110          302           274
Earnings (Loss) Before Extraordinary Items
  and Accounting Changes                               125           (5)         (47)         147           125
Extraordinary Items                                      -            -            -           (2)           (1)
Cumulative Effect of Accounting Changes (a)            (40)         (10)          (9)          (4)            -
Net Earnings (Loss)                                     85          (15)         (56)         141           124

Basic Earnings (Loss) Per Common Share:
  Earnings (Loss) Before Extraordinary Items
    and Accounting Changes                           $1.82        ($.07)       ($.80)       $2.46         $2.04
  Net Earnings (Loss) Available to Common Shares      1.23         (.22)        (.95)        2.37          2.03

Diluted Earnings (Loss) Per Common Share:
  Earnings (Loss) Before Extraordinary Items
    and Accounting Changes                           $1.81        ($.07)       ($.80)       $2.44         $2.01
  Net Earnings (Loss) Available to Common Shares      1.22         (.22)        (.95)        2.35          2.00

Cash Dividends Paid Per Share of
  Common Stock                                        $.50        $1.00        $1.00        $1.00         $1.00

Ratio of Earnings to Fixed Charges (b):
  Including Annuity Benefits                          1.37         1.06         1.18         1.71          1.65
  Excluding Annuity Benefits                          2.42         1.21         1.63         3.36          3.22

Balance Sheet Data:
- ------------------
Total Assets                                       $19,505      $17,402      $16,416      $16,054       $15,845
Long-term Debt:
  Holding Companies                                    648          609          585          493           415
  Subsidiaries                                         297          271          195          240           177
Minority Interest                                      471          455          508          489           522
Shareholders' Equity                                 1,726        1,498        1,549        1,340         1,716
</TABLE>
<PAGE>
(a)   Reflects the implementation in the following years of accounting
      changes mandated by recently enacted accounting standards:
               2002 - SFAS #142 (Goodwill and Other Intangibles)
               2001 - EITF 99-20 (Asset-backed Securities)
               2000 - SFAS #133 (Derivatives)
               1999 - SOP 98-5 (Start-up Costs)

(b)   Fixed charges are computed on a "total enterprise" basis.  For purposes
      of calculating the ratios, "earnings" have been computed by adding to
      pretax earnings the fixed charges and the minority interest in earnings
      of subsidiaries having fixed charges and the undistributed equity in
      losses of investees.  Fixed charges include interest (including or
      excluding interest credited to annuity policyholders' accounts as
      indicated), amortization of debt premium/discount and expense, preferred
      dividend and distribution requirements of subsidiaries and a portion of
      rental expense deemed to be representative of the interest factor.
      Although the ratio of earnings to fixed charges excluding interest on
      annuities is not required or encouraged to be disclosed under Securities
      and Exchange Commission rules, some investors and lenders may not
      consider interest credited to annuity policyholders' accounts a borrowing
      cost for an insurance company, and accordingly, believe this ratio is
      meaningful.


                                       25
<PAGE>

                                     ITEM 7

                      MANAGEMENT'S DISCUSSION AND ANALYSIS
                OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
                ------------------------------------------------

Please refer to "Forward-Looking Statements" following the Index in front of
this Form 10-K.

GENERAL

      Following is a discussion and analysis of the financial statements and
other statistical data that management believes will enhance the understanding
of AFG's financial condition and results of operations. This discussion should
be read in conjunction with the financial statements beginning on page F-1.

CRITICAL ACCOUNTING POLICIES

      Significant accounting policies are summarized in Note A to the financial
statements. The preparation of financial statements in conformity with generally
accepted accounting principles requires management to make estimates and
assumptions that can have a significant effect on amounts reported in the
financial statements. As more information becomes known, these estimates and
assumptions could change and thus impact amounts reported in the future.
Management believes that the establishment of insurance reserves, especially
asbestos and environmental-related reserves, and the determination of "other
than temporary" impairment on investments are the two areas where the degree of
judgment required to determine amounts recorded in the financial statements make
the accounting policies critical. For further discussion of these policies, see
"Liquidity and Capital Resources - Investments" and "Liquidity and Capital
Resources - Uncertainties."

LIQUIDITY AND CAPITAL RESOURCES

RATIOS  AFG's debt to total capital ratio (at the parent holding company level)
was approximately 25% at December 31, 2002, compared to 27% at December 31,
2001. AFG used a portion of the proceeds from the Infinity sale in February 2003
to repay parent debt. Adjusting to reflect this repayment reduces the ratio to
21% at December 31, 2002.

      AFG's ratio of earnings to fixed charges, including annuity benefits as a
fixed charge, was 1.37 for the year ended December 31, 2002. Excluding annuity
benefits, this ratio was 2.42 for 2002. Although not required to be disclosed,
the ratio excluding interest on annuities is presented because interest credited
to annuity policyholder accounts is not always considered a borrowing cost for
an insurance company.

      The National Association of Insurance Commissioners' model law for risk
based capital ("RBC") applies to both life and property and casualty companies.
RBC formulas determine the amount of capital that an insurance company needs to
ensure that it has an acceptable expectation of not becoming financially
impaired. At December 31, 2002, the capital ratios of all AFG insurance
companies substantially exceeded the RBC requirements (the lowest capital ratio
of any AFG subsidiary was 2.3 times its authorized control level RBC; weighted
average of all AFG subsidiaries was 5.0 times).
<PAGE>
SOURCES OF FUNDS  AFG, AFC and American Premier are organized as holding
companies with almost all of their operations being conducted by subsidiaries.
These parent corporations, however, have continuing cash needs for
administrative expenses, the payment of principal and interest on borrowings,
shareholder dividends, and taxes. Funds to meet these obligations come primarily
from dividend and tax payments from their subsidiaries.

      Management believes these parent holding companies have sufficient
resources to meet their liquidity requirements. If funds generated from
operations, including dividends and tax payments from subsidiaries, are
insufficient to meet fixed charges in any period, these companies would be
required to generate cash through borrowings, sales of securities or other
assets, or similar transactions.



                                       26
<PAGE>

      The parent holding companies have a reciprocal Master Credit Agreement
under which these companies make funds available to each other for general
corporate purposes.

      In November 2002, AFC replaced its $300 million bank credit line with a
new bank credit agreement. Currently, AFC may borrow up to $280 million under
the new agreement; the line may be expanded to $300 million through the end of
2003. The new line consists of two facilities: a 364-day revolving facility,
extendable annually, for one-third of the total line and a three-year revolving
facility for the remaining two-thirds. Amounts borrowed bear interest at rates
ranging from 1.25% to 2.25% over LIBOR based on AFG's credit rating. This credit
agreement provides ample liquidity and can be used to obtain funds for operating
subsidiaries or, if necessary, for the parent companies. At December 31, 2002,
there was $248 million borrowed under the agreement. At March 14, 2003, there
was $95 million borrowed under the line.

      In December 2000, AFG issued 8.3 million shares of Common Stock, using the
$155 million in net cash proceeds to make capital contributions to its property
and casualty operations. All debentures issued by the parent holding companies
and GAFRI are rated investment grade by three nationally recognized rating
agencies. Under a currently effective shelf registration statement, AFG can
issue up to an aggregate of approximately $340 million in additional Common
Stock, debt or trust securities. The shelf registration provides AFG with
greater flexibility to access the capital markets from time to time as market
and other conditions permit.

      For statutory accounting purposes, equity securities of non-affiliates are
generally carried at market value. At December 31, 2002, AFG's insurance
companies owned publicly traded equity securities with a market value of $297
million. In addition, Great American owns GAFRI common stock with a market value
of $603 million and a carrying value of $422 million. Since significant amounts
of these are concentrated in a relatively small number of companies, decreases
in the market prices could adversely affect the insurance group's capital,
potentially impacting the amount of dividends available or necessitating a
capital contribution. Conversely, increases in the market prices could have a
favorable impact on the group's dividend-paying capability.

      Under tax allocation agreements with AFC, its 80%-owned U.S. subsidiaries
generally compute tax provisions as if filing separate returns based on book
taxable income computed in accordance with generally accepted accounting
principles. The resulting provision (or credit) is currently payable to (or
receivable from) AFC.

INVESTMENTS Approximately two-thirds of AFG's consolidated assets are invested
in marketable securities. AFG's investment portfolio at December 31, 2002,
contained $12 billion in "Fixed maturities" and $300 million in "Other stocks",
all carried at market value with unrealized gains and losses reported as a
separate component of shareholders' equity on an after-tax basis. At December
31, 2002, AFG had pretax net unrealized gains of $457.2 million on fixed
maturities and $125.8 million on other stocks. AFG attempts to optimize
investment income while building the value of its portfolio, placing emphasis
upon long-term performance. AFG's goal is to maximize return on an ongoing basis
rather than focusing on short-term performance.

      Fixed income investment funds are generally invested in securities with
intermediate-term maturities with an objective of optimizing total return while
allowing flexibility to react to changes in market conditions. At December 31,
2002, the average life of AFG's fixed maturities was about six years.
<PAGE>
      Approximately 93% of the fixed maturities held by AFG were rated
"investment grade" (credit rating of AAA to BBB) by nationally recognized rating
agencies at December 31, 2002. Investment grade securities generally bear lower
yields and lower degrees of risk than those that are unrated or noninvestment
grade. Management believes that the high quality investment portfolio should
generate a stable and predictable investment return.

      Investments in mortgage backed securities ("MBSs") represented
approximately one-fourth of AFG's fixed maturities at December 31, 2002. MBSs
are subject to significant prepayment risk due to the fact that, in periods of
declining interest rates, mortgages may be repaid more rapidly than scheduled as
borrowers refinance


                                       27
<PAGE>

higher rate mortgages to take advantage of lower rates. Due to the significant
decline in the general level of interest rates in 2002, AFG has experienced an
increase in the level of prepayments on its MBSs; these prepayments have not
been reinvested at interest rates comparable to the rates earned on the prepaid
MBSs. Substantially all of AFG's MBSs are investment grade quality, with over
95% rated "AAA" at December 31, 2002.

Summarized information for the unrealized gains and losses recorded in AFG's
balance sheet at December 31, 2002, is shown in the following table (dollars in
millions). Approximately $170 million of "Fixed maturities" and $21 million of
"Other stocks" had no unrealized gains or losses at December 31, 2002.

                                                       Securities     Securities
                                                          With           With
                                                       Unrealized     Unrealized
                                                          Gains         Losses
                                                       ----------     ----------
    FIXED MATURITIES
    ----------------
      Market value of securities                         $10,458         $1,379
      Amortized cost of securities                       $ 9,868         $1,512
      Gross unrealized gain (loss)                       $   590        ($  133)
      Market value as % of amortized cost                    106%            91%
      Number of security positions                         1,725            328
      Number individually exceeding
        $2 million gain or loss                               23             18
      Concentration of gains (losses) by
        type or industry (exceeding 5% of
        unrealized):
          Mortgage-backed securities                     $ 134.6        ($  9.1)
          Banks and savings institutions                    55.2           (1.3)
          U.S. government and government agencies           49.5           (1.1)
          State and municipal                               36.4           (5.6)
          Electric services                                 31.6          (15.2)
          Asset-backed securities                           14.4          (10.6)
          Air transportation (generally
            collateralized)                                  5.3          (47.7)
      Percentage rated investment grade                       97%            65%

    OTHER STOCKS
    ------------
      Market value of securities                         $   261         $   18
      Cost of securities                                 $   130         $   23
      Gross unrealized gain (loss)                       $   131        ($    5)
      Market value as % of cost                              201%            78%
      Number individually exceeding
        $2 million gain or loss                                3              1

AFG's investment in equity securities of Provident Financial Group, a
Cincinnati-based commercial banking and financial services company, represents
$117 million of the $131 million in unrealized gains on other stocks at
December 31, 2002. At March 14, 2003, the unrealized gain on Provident was
approximately $86 million.
<PAGE>
The table below sets forth the scheduled maturities of fixed maturity securities
at December 31, 2002, based on their market values. Asset backed securities and
other securities with sinking funds are reported at average maturity. Actual
maturities may differ from contractual maturities because certain securities may
be called or prepaid by the issuers.

                                                 Securities     Securities
                                                    with           With
                                                 Unrealized     Unrealized
     MATURITY                                       Gains         Losses
     --------                                    ----------     ----------
       One year or less                               6%            5%
       After one year through five years             22            27
       After five years through ten years            33            39
       After ten years                               10            17
                                                    ---           ---
                                                     71            88
       Mortgage-backed securities                    29            12
                                                    ---           ---
                                                    100%          100%
                                                    ===           ===

                                       28
<PAGE>

AFG realized aggregate losses of $11.1 million during 2002 on $72.9 million in
sales of fixed maturity securities (14 issues; 12 issuers) that had individual
unrealized losses greater than $500,000 at December 31, 2001. Market values of
eleven of the securities increased an aggregate of $8 million from year-end 2001
to date of sale. The market value of one of the securities did not change from
year-end 2001 to the date of sale. One of the securities was a Conseco bond that
decreased in value by $5 million from year-end 2001 to the date of sale due to
the continued decline in Conseco's financial condition. The market value of the
remaining security decreased $920,000 from year-end 2001 to the sale date.

Although AFG had the ability to continue holding these investments, its intent
to hold them changed due primarily to deterioration in the issuers'
creditworthiness, decisions to lessen exposure to a particular credit or
industry, or to modify asset allocation within the portfolio.

The table below (dollars in millions) summarizes the length of time securities
have been in an unrealized gain or loss position at December 31, 2002.
<TABLE>
<CAPTION>
                                                                                                       Market
                                                                  Aggregate         Aggregate        Value as
                                                                     Market        Unrealized       % of Cost
                                                                      Value       Gain (Loss)           Basis
                                                                  ----------      -----------       ---------
<S>                                                             <C>             <C>              <C>
     FIXED MATURITIES
     ----------------------------------------------
     SECURITIES WITH UNREALIZED GAINS:
       Exceeding $500,000 at 12/31/02 and for:
         Less than one year (354 issues)                            $ 4,561              $327             108%
         More than one year (64 issues)                                 762                83             112
       Less than $500,000 at 12/31/02 (1,307 issues)                  5,135               180             104
                                                                    -------              ----
                                                                    $10,458              $590             106%
                                                                    =======              ====
     SECURITIES WITH UNREALIZED LOSSES:
       Exceeding $500,000 at 12/31/02 and for:
         Less than one year (50 issues)                             $   379             ($ 75)             84%
         More than one year (17 issues)                                 118               (35)             77
       Less than $500,000 at 12/31/02 (261 issues)                      882               (23)             98
                                                                    -------              ----
                                                                    $ 1,379             ($133)             91%
                                                                    =======              ====

<PAGE>
     OTHER STOCKS
     -----------------------------------------------
     SECURITIES WITH UNREALIZED GAINS:
       Exceeding $500,000 at 12/31/02 and for:
         Less than one year (5 issues)                              $    27              $  7             135%
         More than one year (4 issues)                                  207               121             241
       Less than $500,000 at 12/31/02 (66 issues)                        27                 3             113
                                                                    -------              ----
                                                                    $   261              $131             201%
                                                                    =======              ====
     SECURITIES WITH UNREALIZED LOSSES:
       Exceeding $500,000 at 12/31/02 and for:
         Less than one year (1 issue)                               $     2             ($  1)             67%
         More than one year (none)                                       -                 -               -
       Less than $500,000 at 12/31/02 (75 issues)                        16                (4)             80
                                                                    -------              ----
                                                                    $    18             ($  5)             78%
                                                                    =======              ====
</TABLE>


                                       29
<PAGE>

      When a decline in the value of a specific investment is considered to be
"other than temporary," a provision for impairment is charged to earnings
(accounted for as a realized loss) and the cost basis of that investment is
reduced. The determination of whether unrealized losses are "other than
temporary" requires judgment based on subjective as well as objective factors.
Factors considered and resources used by management include:

   a)  whether the unrealized loss is credit-driven or a result of changes
       in market interest rates,
   b)  the extent to which market value is less than cost basis,
   c)  historical operating, balance sheet and cash flow data contained in
       issuer SEC filings,
   d)  issuer news releases,
   e)  near-term prospects for improvement in the issuer and/or its industry,
   f)  industry research and communications with industry specialists,
   g)  third party research and credit rating reports,
   h)  internally generated financial models and forecasts,
   i)  discussions with issuer management, and
   j)  ability and intent to hold the investment for a period of time sufficient
       to allow for any anticipated recovery in market value.

      Based on its analysis of the factors enumerated above, management believes
(i) AFG will recover its cost basis in the securities with unrealized losses and
(ii) that AFG has the ability and intent to hold the securities until they
mature or recover in value. Should either of these beliefs change with regard to
a particular security, a charge for impairment would likely be required. While
it is not possible to accurately predict if or when a specific security will
become impaired, charges for other than temporary impairment could be material
to results of operations in a future period. Management believes it is not
likely that future impairment charges will have a significant effect on AFG's
liquidity.

      Net realized gains (losses) on securities sold and charges for "other than
temporary" impairment on securities held were as follows (in millions):

             Net Realized
           Gains (Losses)   Charges for
                 on Sales    Impairment         Other(a)      Total
           --------------   -----------         -----        ------
   2002            $112.7       ($179.4)       ($12.4)       ($79.1)
   2001              89.8        (125.5) (b)     11.6         (24.1)
   2000              (1.7)        (27.5)          2.6         (26.6)
   1999              31.1         (13.0)          2.1          20.2
   1998              40.2         (32.2)         (1.7)          6.3

   (a)  Includes adjustments to carry derivatives at market and to reflect
        the impact of realized gains and losses on the amortization of
        deferred policy acquisition costs.
   (b)  Does not include $16.9 million writedown of certain collateralized
        debt obligations which was recorded as the cumulative effect of an
        adoption of an accounting change at April 1, 2001.

      Increased impairment charges in recent years reflect a rise in corporate
defaults in the marketplace resulting from the weakened economy.
<PAGE>
UNCERTAINTIES  As more fully explained in the following paragraphs, management
believes that the areas posing the greatest risk of material loss are the
adequacy of its insurance reserves and American Premier's contingencies arising
out of its former operations.

      PROPERTY AND CASUALTY INSURANCE RESERVES  The liability for unpaid losses
and loss adjustment expenses was as follows (in millions):

                                              December 31,
                                           ------------------
                                             2002        2001
                                             ----        ----
       Specialty                           $3,712      $3,295
       Personal                               838         843
       Other lines (including asbestos
         and environmental)                   654         640
                                           ------      ------
                                           $5,204      $4,778
                                           ======      ======

                                       30
<PAGE>
      The liabilities for unpaid claims and for expenses of investigation and
adjustment of unpaid claims are based upon: (a) the accumulation of case
estimates for losses reported prior to the close of the accounting periods on
direct business written; (b) estimates received from ceding reinsurers and
insurance pools and associations; (c) estimates of unreported losses based on
past experience; (d) estimates based on experience of expense for investigating
and adjusting claims; and (e) the current state of law and coverage litigation.
Using these items as well as historical trends adjusted for changes in
underwriting standards, policy provisions, product mix and other factors,
company actuaries determine a single or "point" estimate which management
utilizes in recording its best estimate of the liabilities. Ranges of loss
reserves are not developed by company actuaries.

      Estimating the liability for unpaid losses and LAE is inherently
judgmental and is influenced by factors which are subject to significant
variation. Through the use of analytical reserve development techniques,
management utilizes items such as the effect of inflation on medical,
hospitalization, material, repair and replacement costs, general economic trends
and the legal environment.

      Quarterly reviews of unpaid loss and LAE reserves are prepared using
standard actuarial techniques. These may include: Case Incurred Development
Method; Paid Development Method; Bornhuetter-Ferguson Method; and Incremental
Paid LAE to Paid Loss Methods. Generally, data is segmented by major product or
coverage within product using countrywide data; however, in some situations data
may be reviewed by state for large volume states.

      ASBESTOS AND ENVIRONMENTAL-RELATED ("A&E") RESERVES Establishing reserves
for A&E claims relating to policies and participations in reinsurance treaties
and former operations is subject to uncertainties that are significantly greater
than those presented by other types of claims. For this group of claims,
traditional actuarial techniques that rely on historical loss development trends
cannot be used. Case reserves and expense reserves are established by the claims
department as specific policies are identified. In addition to the case reserves
established for known claims, management establishes additional reserves for
claims not yet known or reported and for possible development on known claims.
These additional reserves are management's best estimate based on its review of
industry trends and other industry information about such claims, with due
consideration to individual claim situations like A.P. Green. Estimating
ultimate liability for asbestos claims presents a unique and difficult challenge
to the insurance industry due to, among other things, inconsistent court
decisions, an increase in bankruptcy filings as a result of asbestos-related
liabilities, novel theories of coverage, and judicial interpretations that often
expand theories of recovery and broaden the scope of coverage. The casualty
insurance industry is engaged in extensive litigation over these coverage and
liability issues as the volume and severity of claims against asbestos
defendants continue to increase.

      While management believes that AFG's reserves for A&E claims are a
reasonable estimate of ultimate liability for such claims, actual results may
vary materially from the amounts currently recorded due to the difficulty in
predicting the number of future claims and the impact of recent bankruptcy
filings, and unresolved issues such as whether coverage exists, whether policies
are subject to aggregate limits on coverage, whether claims are to be allocated
among triggered policies and implicated years, and whether claimants who exhibit
no signs of illness will be successful in pursuing their claims.
<PAGE>
      In February 2003, Great American Insurance Company entered into an
agreement for the settlement of asbestos related coverage litigation under
insurance polices issued during the 1970's and 1980's to Bigelow-Liptak
Corporation and related companies, subsequently known as A.P. Green Industries,
Inc. ("A.P. Green"). Management believes that this settlement will enhance
financial certainty and provides resolution to litigation that represents AFG's
largest known asbestos-related claim and the only such claim that management
believes to be material.

      The settlement is for $123.5 million (Great American has the option to pay
in cash or over time with 5.25% interest), all but $30 million of which will be
covered by reserves established prior to September 30, 2002, and anticipated
reinsurance recoverables for this matter. As a result, AFG recorded a $30
million pretax charge ($19.5 million after tax) in the fourth quarter of 2002.
The agreement allows up to 10% of the settlement to be paid in AFG Common Stock.

                                       31
<PAGE>

      The settlement is subject to a number of contingencies, including the
approval of the bankruptcy court supervising the reorganization of A.P. Green
and subsequent confirmation of a plan of reorganization that includes an
injunction prohibiting the assertion against Great American of any present or
future asbestos personal injury claims under policies issued to A.P. Green and
related companies. This process could take a year or more and no assurance can
be made that all of these consents and approvals will be obtained; no payments
are required until completion of the process. If not obtained, the outcome of
this litigation will again be subject to the complexities and uncertainties
associated with a Chapter 11 proceeding and asbestos coverage litigation.

      The payments, reserve balances and policy count information for asbestos,
environmental and other mass torts were as follows (dollars in millions):
<TABLE>
<CAPTION>

                           Net           Net
                       Amounts       Reserve                     Policyholder Counts
                       Paid in       Balance                     (Direct and Assumed)
                                                      -----------------------------------------
                          2002      12/31/02          12/31/01      New     Closed     12/31/02
                       -------      --------          --------      ---     ------     --------
<S>                <C>          <C>               <C>           <C>      <C>       <C>

Asbestos                 $16.8        $302.3               429       82         39          472
Environmental              9.6         139.4               715       95        152          658
Other Mass Tort            2.3          25.0               109       23         28          104
                         -----        ------             -----      ---        ---        -----
Total                    $28.7        $466.7             1,253      200        219        1,234
                         =====        ======             =====      ===        ===        =====
</TABLE>

      Of the open asbestos accounts, approximately 270 are holders of policies
written by AFG subsidiaries and approximately 200 represent assumed reinsurance
business. The direct policyholders with asbestos claims consist of limited
exposures, dominated by small to mid-sized commercial entities that are mostly
regional policyholders with few national target defendants. With respect to
non-products exposures, there are few accounts with potentially significant
exposure, none of which is considered to be material to the Company.

      The assumed reinsurance business includes exposures for the periods 1954
to 1983. The asbestos and environmental assumed claims are ceded by various
insurance companies under reinsurance treaties. A majority of the individual
assumed claims have exposures of less than $100,000 to AFG. Asbestos losses
assumed include some of the industry known manufacturers, distributors and
installers. Pollution losses include industry known insured names and sites.

      Other mass tort losses include Agent Orange, breast implants, DES, Dalkon
Shield, lead, silicon and various chemical exposures.

      EXPOSURE TO MARKET RISK Market risk represents the potential economic loss
arising from adverse changes in the fair value of financial instruments. AFG's
exposures to market risk relate primarily to its investment portfolio and
annuity contracts which are exposed to interest rate risk and, to a lesser
extent, equity price risk. To a much lesser extent, AFG's long-term debt is also
exposed to interest rate risk.

                                       32
<PAGE>
      FIXED MATURITY PORTFOLIO The fair value of AFG's fixed maturity portfolio
is directly impacted by changes in market interest rates. AFG's fixed maturity
portfolio is comprised of substantially all fixed rate investments with
primarily intermediate-term maturities. This practice allows flexibility in
reacting to fluctuations of interest rates. The portfolios of AFG's insurance
operations are managed with an attempt to achieve an adequate risk-adjusted
return while maintaining sufficient liquidity to meet policyholder
obligations. AFG's life and annuity operations attempt to align the duration of
their invested assets to the projected cash flows of policyholder liabilities.

      The following table provides information about AFG's fixed maturity
investments at December 31, 2002 and 2001, that are sensitive to interest rate
risk. The table shows principal cash flows (in millions) and related weighted
average interest rates by expected maturity date for each of the five subsequent
years and for all years thereafter. Callable bonds and notes are included based
on call date or maturity date depending upon which date produces the most
conservative yield. Mortgage-backed securities ("MBSs") and sinking fund issues
are included based on maturity year adjusted for expected payment patterns.
Actual cash flows may differ from those expected.

                December 31, 2002                     December 31, 2001
                -----------------                     -----------------
                 Principal                            Principal
                Cash Flows   Rate                     Cash Flows   Rate
                ----------  -----                     ----------   ----
   2003            $ 1,301  10.09%      2002             $   956   8.62%
   2004                848   8.31       2003               1,407   7.84
   2005              1,035   7.05       2004                 860   8.56
   2006              1,135   6.69       2005               1,082   7.50
   2007              1,158   6.12       2006               1,110   6.89
   Thereafter        5,939   6.13       Thereafter         5,263   7.08
                   -------                              -------

   Total           $11,416   6.88%                       $10,678   7.46%
                   =======                               =======

   Fair Value      $12,007                               $10,749
                   =======                               =======

      EQUITY PRICE RISK Equity price risk is the potential economic loss from
adverse changes in equity security prices. Although AFG's investment in "Other
stocks" is less than 3% of total investments, two-thirds of "Other stocks" is
invested in Provident Financial Group which exposes AFG to the risk of price
declines in a single position.

      Included in "Other stocks" at December 31, 2002 were warrants (valued at
$13.8 million) to purchase common stock of various companies. Under Statement of
Financial Accounting Standards ("SFAS") No. 133, which was adopted as of October
1, 2000, these warrants are generally considered derivatives and marked to
market through current earnings as realized gains and losses.
<PAGE>
      ANNUITY CONTRACTS  Substantially all of GAFRI's fixed rate annuity
contracts permit GAFRI to change crediting rates (subject to minimum interest
rate guarantees of 3% to 4% per annum as determined by applicable law) enabling
management to react to changes in market interest rates and maintain an adequate
spread. Nonetheless, due to the sharp drop in interest rates in 2002, GAFRI's
spreads have narrowed and will likely continue to narrow through at least 2003.
Actuarial assumptions used to estimate DPAC and Annuity Benefits, as well as
GAFRI's ability to maintain spread, could be impacted if the current interest
rate environment continues for an extended period and causes policyholder
behavior to be altered.

      Projected payments (in millions) in each of the subsequent five years and
for all years thereafter on GAFRI's fixed annuity liabilities at December 31
were as follows.
                                                                          Fair
        First  Second   Third   Fourth   Fifth   Thereafter    Total     Value
        -----  ------   -----   ------   -----   ----------   ------    ------
 2002    $550    $610    $740     $810    $700       $3,044   $6,454    $6,284
 2001     750     680     650      630     610        2,512    5,832     5,659





                                       33
<PAGE>

      Nearly half of GAFRI's fixed annuity liabilities at December 31, 2002,
were two-tier in nature in that policyholders can receive a higher amount if
they annuitize rather than surrender their policy, even if the surrender charge
period has expired. At December 31, 2002, the average crediting rate on GAFRI's
principal fixed annuity products was approximately 4.3% and current stated
crediting rates (excluding bonus interest) on GAFRI's active products generally
range from 3.0% to 3.6%. GAFRI estimates that its effective weighted-average
crediting rate over the next five years will approximate 4.3%. This rate
reflects actuarial assumptions as to (i) expected investment spread, (ii)
deaths, (iii) annuitizations, (iv) surrenders and (v) renewal premiums. Actual
experience and changes in actuarial assumptions may result in different
effective crediting rates than those above.

      GAFRI's equity-indexed fixed annuities provide policyholders with a
crediting rate tied, in part, to the performance of an existing stock market
index. GAFRI attempts to mitigate the risk in the equity-based component of
these products through the purchase of call options on the appropriate index.
GAFRI's strategy is designed so that an increase in the liabilities due to an
increase in the market index will be substantially offset by unrealized gains on
the call options. Under SFAS No. 133, both the equity-based component of the
annuities and the related call options are considered derivatives and marked to
market through current earnings as annuity benefits. Adjusting these derivatives
to market value had a net effect of less than 1% of annuity benefits in 2002 and
2001. In 2002, GAFRI chose to suspend new sales of equity-indexed annuities due
primarily to lack of volume.

      DEBT AND PREFERRED SECURITIES The following table shows scheduled
principal payments (in millions) on fixed-rate long-term debt of AFG and its
subsidiaries and related weighted average interest rates for each of the
subsequent five years and for all years thereafter.

                  December 31, 2002                      December 31, 2001
                  -----------------                      -----------------
                  Scheduled                              Scheduled
                  Principal                              Principal
                   Payments    Rate                       Payments    Rate
                  ----------  -----                      ---------   -----
   2003                 *                   2002            $  4.3    7.02%
   2004                 *                   2003               *
   2005              $ 10.1    9.09%        2004               *
   2006                18.7    6.74         2005              10.1    9.07
   2007                79.9    7.13         2006              18.7    6.73
   Thereafter         429.4    7.14         Thereafter       509.3    7.14
                     ------                                 ------

   Total             $539.8    7.16%                        $544.1    7.16%
                     ======                                 ======

   Fair Value        $504.2                                 $514.7
                     ======                                 ======

   (*) Less than $2 million.
<PAGE>
      At December 31, 2002 and 2001, respectively, AFG and its subsidiaries had
$406 million and $337 million in variable-rate debt maturing primarily in 2003
through 2005. The weighted average interest rate on AFG's variable-rate debt was
2.84% at December 31, 2002 compared to 2.67% at December 31, 2001. There were
$242 million of subsidiary trust preferred securities with a weighted average
interest rate of 9.09% outstanding at December 31, 2002 and 2001, none of which
is scheduled for maturity or mandatory redemption during the next five years.


                                       34
<PAGE>

RESULTS OF OPERATIONS - THREE YEARS ENDED DECEMBER 31, 2002

GENERAL Results of operations as shown in the accompanying financial statements
are prepared in accordance with generally accepted accounting principles. Many
investors and analysts focus on "core earnings" of companies, setting aside
certain items included in net earnings such as realized gains and losses, the
cumulative effect of accounting changes and certain other unusual items.
Realized gains and losses are excluded from "core earnings" because they are
unpredictable and not necessarily indicative of current operating fundamentals.
Other items such as the 2002 asbestos litigation settlement and tax resolution
benefits and the 2001 special A&E charge and World Trade Center losses are
excluded to assist investors in analyzing their impact on the trend in operating
results. Nonetheless, these items are significant components of AFG's overall
financial results.

      The following table shows AFG's net earnings and diluted earnings per
share as stated in the Statement of Operations as well as the after-tax effect
of other items included in these GAAP measures that are typically excluded in
deriving "core earnings" (in millions, except per share amounts):

                                                     2002      2001      2000
                                                     ----      ----      ----

    NET EARNINGS (LOSS)                             $84.6    ($14.8)   ($56.0)
    After tax income (expense) items included in
      net earnings:
        Asbestos litigation settlement              (19.5)       -         -
        Tax resolution benefits                      31.0        -         -
        A&E charge and WTC losses                      -      (81.3)       -
        Net losses from investee corporations        (9.0)    (16.5)    (91.4)
        Realized investment gains (losses)          (44.7)    (12.7)      2.2
        Cumulative effect of accounting changes     (40.4)    (10.0)     (9.1)

    DILUTED PER SHARE AMOUNTS:
        NET EARNINGS (LOSS)                         $1.22    ($ .22)   ($ .95)
        Asbestos litigation settlement               (.28)      -         -
        Tax resolution benefits                       .44       -         -
        A&E charge and WTC losses                     -       (1.19)      -
        Net losses from investee corporations        (.13)     (.24)    (1.55)
        Realized investment gains (losses)           (.64)     (.19)      .04
        Cumulative effect of accounting changes      (.59)     (.15)     (.15)

      In addition to the effects of items shown in the table above, net earnings
increased in 2002 primarily due to significantly improved underwriting results
and income from the sale of real estate, partially offset by reduced earnings in
the annuity and life operations. Net earnings for 2001 and 2000 include goodwill
amortization expense of $13.7 million ($.20 per share) and $16.4 million ($.28
per share), respectively.

      Aside from the asbestos charges and losses from the World Trade Center,
underwriting results improved in 2001 but were partially offset by a $15 million
charge to increase reserves for environmental costs related to certain former
operations.
<PAGE>
PROPERTY AND CASUALTY INSURANCE - UNDERWRITING AFG's property and casualty
operations have consisted of two major business groups: Specialty and Personal.
See Note O, "Subsequent Events", to the Financial Statements for a discussion of
the sale of nearly all of the Personal group.

      The Specialty group includes a highly diversified group of business lines.
Some of the more significant areas are inland and ocean marine, California
workers' compensation, agricultural-related coverages, executive and
professional liability, fidelity and surety bonds, collateral protection, and
umbrella and excess coverages.

      The Personal group sells nonstandard and preferred/standard private
passenger auto insurance and, to a lesser extent, homeowners' insurance.
Nonstandard automobile insurance covers risks not typically accepted for
standard automobile coverage because of the applicant's driving record, type of
vehicle, age or other criteria.

                                       35
<PAGE>

      To understand the overall profitability of particular lines, the timing of
claims payments and the related impact of investment income must be considered.
Certain "short-tail" lines of business (primarily property coverages) have quick
loss payouts which reduce the time funds are held, thereby limiting investment
income earned thereon. On the other hand, "long-tail" lines of business
(primarily liability coverages and workers' compensation) have payouts that are
either structured over many years or take many years to settle, thereby
significantly increasing investment income earned on related premiums received.

      Underwriting profitability is measured by the combined ratio which is a
sum of the ratios of underwriting losses, loss adjustment expenses, underwriting
expenses and policyholder dividends to premiums. When the combined ratio is
under 100%, underwriting results are generally considered profitable; when the
ratio is over 100%, underwriting results are generally considered unprofitable.
The combined ratio does not reflect investment income, other income or federal
income taxes.

      For certain lines of business and products where the credibility of the
range of loss projections is less certain (primarily many of the various
specialty businesses listed above), management believes that it is prudent and
appropriate to use conservative assumptions until such time as the data,
experience and projections have more credibility, as evidenced by data volume,
consistency and maturity of the data. While this practice mitigates the risk of
adverse development on this business, it does not eliminate it.

      While AFG desires and seeks to earn an underwriting profit on all of its
business, it is not always possible to do so. As a result, AFG attempts to
expand in the most profitable areas and control growth or even reduce its
involvement in the least profitable ones.

      Since mid-2000, AFG has been actively realigning its mix of business and
resetting its rate structure with a goal of achieving underwriting profits, even
if it entails sacrificing volume. Management believes these efforts have been
successful and expects further improvement in underwriting profitability in 2003
resulting from these strategic actions.

      AFG's combined ratio has been better than the industry average for sixteen
of the last seventeen years and excluding AFG's special A&E charges, for all
seventeen years. AFG's insurance operations have performed better than the
industry by focusing on growth opportunities in the more profitable areas of its
specialty and nonstandard auto businesses.
<PAGE>
      Net written premiums and combined ratios for AFG's property and casualty
insurance subsidiaries were as follows (dollars in millions):

                                                2002         2001          2000
                                                ----         ----          ----
   Gross Written Premiums (GAAP)
   -----------------------------
   Specialty                                  $2,713       $2,236        $1,889
   Personal                                    1,221        1,284         1,339
   Other Lines                                     1         -                3
                                              ------       ------        ------
                                              $3,935       $3,520        $3,231
                                              ======       ======        ======
   Net Written Premiums (GAAP)
   ---------------------------
   Specialty                                  $1,577       $1,542        $1,324
   Personal                                      836 (a)    1,040 (a)     1,311
   Other Lines                                     1         -                3
                                              ------       ------        ------
                                              $2,414       $2,582        $2,638
                                              ======       ======        ======
   Combined Ratios (GAAP)
   ----------------------
   Specialty                                    98.4%       101.7%(b)     107.9%
   Personal                                     99.8        107.9         108.6
   Aggregate (including discontinued lines)    101.1%(c)    108.8%(c)     108.0%

   (a)  Reflects the ceding of $375 million and $220 million in premiums in 2002
        and 2001, respectively under a reinsurance agreement (effective April 1,
        2001).
   (b)  Includes 1.8% for 2001 relating to the attack on the World Trade Center.
   (c)  Includes 1.2% for 2002 relating to the A.P. Green asbestos litigation
        charge and 4.8% for 2001 relating to the A&E charge and the attack on
        the World Trade Center.


                                       36
<PAGE>

      As shown in Note M under "Insurance Reserves," AFG's property and
casualty operations recorded loss development of $171 million in 2002 and
$163 million in 2001 related to prior accident years. Major areas of adverse
development were as follows (in millions):

                                                              2002        2001
                                                              ----        ----
         Asbestos                                             $ 49        $108
         Executive liability                                    26          26
         Other liability                                        21           *
         Personal lines                                         15           *
         Other discontinued specialty businesses                41          32
         Other                                                  19          (3)
                                                              ----        ----
                                                              $171        $163
                                                              ====        ====

         (*)  Amounts are immaterial and included in Other

      "Asbestos" development was due primarily to charges for settlement of
litigation (2002) and the special $100 million A&E charge (2001), both of which
are discussed below. See "Uncertainties - Asbestos and Environmental-related
Reserves" for additional information about these claims.

      "Executive liability" development resulted primarily from claim severity
on policy coverages for 1999 and 2000. Both settlement costs and defense costs
related to shareholder lawsuits have increased beyond estimates.

      "Other liability" development was the result of an unexpected shift of the
judicial climate in some previously relatively conservative states. Verdicts,
judgments, and settlements have increased and reserves were adjusted
accordingly.

      In the "Personal lines," personal injury and uninsured motorist claims
have experienced increased severity. During 2002, claims remained open longer
and settlement amounts have been higher than in previous years.

      Development in the "Other discontinued specialty businesses" related
primarily to excess casualty and homebuilders' product liability. During 2002,
both experienced higher frequency of claims, primarily related to the 1999 and
2000 accident years for the excess casualty line, and 1993 through 2001 for the
homebuilders' liability. Development in 2001, and to a lesser extent in 2002,
was affected by increased severity in excess casualty resulting from a rigorous
claims review of case reserves established by former management.

      "Other" development represents an aggregation of all other lines. While
both increases and decreases occurred in these individual lines, none
experienced development greater than the smallest listed in the table above.
Aggregate adverse development in the "Other" lines was approximately $44 million
in 2002, and $25 million in 2001. Aggregate positive development was $25 million
in 2002 and $28 million in 2001.

      ASBESTOS LITIGATION SETTLEMENT CHARGE As more fully discussed under
"Uncertainties -Asbestos and Environmental-related Reserves," AFG recorded a
fourth quarter 2002 pretax charge of $30 million related to the settlement of
asbestos-related coverage litigation.
<PAGE>
      2001 SPECIAL A&E CHARGE During the third quarter of 2001, AFG recorded an
A&E charge of $100 million after experiencing an increase in the number and
severity of asbestos claims and observing the developments of adverse trends in
the property and casualty insurance industry concerning asbestos losses. This
charge, accompanied by a transfer of $36 million from excess reserves for other
environmental claims, resulted in an increase of $136 million in asbestos
reserves. For a discussion of uncertainties relative to asbestos and
environmental claims, see "Uncertainties - Asbestos and Environmental-related
Reserves".


                                       37
<PAGE>

      SPECIALTY The Specialty group's gross written premiums increased 21% in
2002 compared to 2001, reflecting the effect of rate increases and the volume
growth in certain businesses, partially offset by planned reductions in less
profitable lines of business. Specialty rate increases averaged about 27% during
2002 and are targeted to be 25% or more going into 2003. Net written premiums
increased 2% in 2002 compared to 2001. Strong growth in gross written premiums
was offset by the impact of expanding the Personal group automobile physical
damage reinsurance agreement discussed below to include several Specialty
business lines as well as increased reinsurance coverage in certain other lines.

      Excluding the effect of the attack on the World Trade Center, the
Specialty group's combined ratio improved 1.5 points for 2002. The improvement
reflects strategic changes in the mix of specialty businesses and the impact of
rate increases, partially offset by the effects of prior year loss development.

      The Specialty group's increase in gross and net written premiums in 2001
reflects the impact of rate increases implemented in 2000 and 2001 and the
realization of growth opportunities in certain commercial markets, partially
offset by the decision to discontinue certain lines of business that were not
achieving adequate returns. Specialty rate increases averaged over 20% in 2001.
The improvement in the combined ratio compared to 2000 reflects the impact of
rate increases and unusually strong results in several businesses. Due primarily
to adverse development in prior year losses, AFG recorded a $35 million pretax
charge in 2000 to strengthen loss reserves in its California workers'
compensation business (a combined ratio effect of 2.9 points). Excluding the
effect of the attack on the World Trade Center, the Specialty group reported an
underwriting profit with a combined ratio of 99.9% for 2001.

      PERSONAL The Personal group's gross written premiums for 2002 decreased
about 5% compared to 2001 due primarily to intentional reductions in new
business volume in certain non-core markets and through the direct channel,
partially offset by the effect of continuing rate increases and volume growth in
target markets. Rate increases implemented in 2002 were approximately 10%.

      Since April 2001, AFG has reinsured 90% of the automobile physical damage
business written by certain of its insurance subsidiaries. In September 2002,
AFG's use of the existing agreement was expanded to include physical damage
business written through the agency channel of Great American Insurance pool
companies. This agreement enables AFG to reallocate some of its capital to the
more profitable specialty operations. The decline in net written premiums in
2001 and 2002 reflects the impact of this reinsurance agreement.

      Due primarily to rate increases and a $12.6 million reduction in marketing
and media cost of the direct business, the Personal group's combined ratio
improved by 8.1 points compared to 2001. More than 80% of the Personal group's
business is written by the insurance operations included in the recent public
offering of Infinity Property and Casualty Corporation. Business written through
these operations achieved an underwriting profit with a combined ratio of 96.1%
for 2002.

      The Personal group's gross written premiums declined about 4% in 2001
compared to 2000 as lower business volume was partially offset by the impact of
significant rate increases in 2000 and 2001. The group implemented rate
increases of about 14% in 2001. As a result of rate increases in 2001 and 2000,
the combined ratio improved to 107.9% for 2001.
<PAGE>
LIFE, ACCIDENT AND HEALTH PREMIUMS AND BENEFITS Life, accident and health
premiums and benefits increased in 2002 due primarily to the acquisition of
Manhattan National Life ("MNL") in June 2002 and increased in 2001 due primarily
to the acquisition of a block of supplemental health insurance business in
November 2000. In addition to these acquisitions, life, accident and health
benefits for 2002 reflect the effects of adverse mortality in GAFRI's life
insurance operations.

INVESTMENT INCOME Changes in investment income reflect fluctuations in market
rates and changes in average invested assets. Investment income increased in
2002 and 2001 due primarily to higher average investment in fixed maturity
securities, partially offset by lower average yields on those investments.


                                       38
<PAGE>
GAINS (LOSSES) ON SECURITIES Realized gains (losses) on sales of securities
include provisions for other than temporary impairment of securities still held
of $179.4 million in 2002, $125.5 million in 2001 and $27.5 million in 2000. The
provision for 2001 includes $8 million for the writedown of AFG's investment in
Chiquita from $1.00 per share to $.67 per share.

      Realized gains (losses) on securities include losses of $11.9 million in
2002, and gains of $5.2 million in 2001 and $1.5 million in the fourth quarter
of 2000 to adjust the carrying value of AFG's investment in warrants to market
value under SFAS No. 133.

GAINS ON SALES OF SUBSIDIARIES See Note O, to the financial statements for a
discussion of the anticipated loss in connection with the 2003 public offering
of Infinity.

      In 2002, AFG recognized a $10.8 million pretax loss on the disposal of its
New Jersey private passenger auto business.

      In 2001, AFG recognized a $7.1 million pretax gain on the sale of a small
insurance subsidiary. In connection with the sale of the Japanese division in
2001, AFG recognized a $6.9 million pretax loss and deferred a gain of
approximately $21 million on ceded insurance which is being recognized over the
estimated settlement period (weighted average of 4 years) of the ceded claims.

      In 2000, AFG recognized (i) a $25 million pretax gain representing an
earn-out related to the 1998 sale of its Commercial lines division, (ii) a
$10.3 million pretax loss on the sale of Stonewall Insurance Company and
(iii) a $10.7 million estimated pretax loss related to the agreement to sell
its Japanese division (completed in 2001).

GAIN ON SALE OF OTHER INVESTMENTS In September 2002, AFG realized a $9.3 million
pretax gain on the sale of its minority ownership in a residential homebuilding
company.

      In September 2000, GAFRI realized a $27.2 million pretax gain on the sale
of its minority ownership in a company engaged in the production of ethanol.
GAFRI's investment was repurchased by the ethanol company which, following the
purchase, became wholly-owned by AFG's Chairman.

REAL ESTATE OPERATIONS AFG's subsidiaries are engaged in a variety of real
estate operations including hotels, apartments, office buildings and
recreational facilities; they also own several parcels of land. Revenues and
expenses of these operations, including gains and losses on disposal, are
included in AFG's statement of operations as shown below (in millions).

                                                   2002        2001       2000
                                                   ----        ----       ----
      Other income                               $115.0      $102.6      $95.9
      Other operating and general expenses         71.7        64.9       65.6
      Interest charges on borrowed money            2.6         2.3        2.6
      Minority interest expense, net                1.1         3.7        1.5

      Other income includes net pretax gains on the sale of real estate assets
of $31.0 million in 2002, $27.2 million in 2001 and $12.4 million in 2000.
<PAGE>
OTHER INCOME

      2002 COMPARED TO 2001 Other income increased $39.4 million (18%) in 2002
due primarily to higher income from real estate operations (including the effect
of property sales and a hotel acquired in May 2002), increased fees earned by
the Specialty group's new warranty business and higher fee income in certain
other specialty insurance operations.

      2001 COMPARED TO 2000 Other income declined in 2001 compared to 2000 due
primarily to the absence of income from the sale of lease rights, lease
residuals and other operating assets.

                                  39
<PAGE>

ANNUITY BENEFITS For GAAP financial reporting purposes, annuity receipts are
accounted for as interest-bearing deposits ("annuity benefits accumulated")
rather than as revenues. Under these contracts, policyholders' funds are
credited with interest on a tax-deferred basis until withdrawn by the
policyholder. Annuity benefits reflect amounts accrued on annuity policyholders'
funds accumulated. The rate at which GAFRI credits interest on most of its
annuity policyholders' funds is subject to change based on management's judgment
of market conditions. Historically, management has been able to react to changes
in market interest rates and maintain a desired interest rate spread. The recent
interest rate environment has resulted in spread compression which could
continue at least through 2003. In 2000, annuity benefits also includes a second
quarter charge of $14.2 million related to the settlement of a policyholder
class action lawsuit.

      On its deferred annuities (annuities in the accumulation phase), GAFRI
generally credits interest to policyholders' accounts at their current stated
"surrender" interest rates. Furthermore, for "two-tier" deferred annuities
(annuities under which a higher interest amount can be earned if a policy is
annuitized rather than surrendered), GAFRI accrues an additional liability to
provide for expected deaths and annuitizations. Changes in crediting rates,
actual surrender, death and annuitization experience or modifications in
actuarial assumptions can affect this accrual. In 2002, this accrual was reduced
by approximately $2 million due to decreases in crediting rates on certain fixed
annuity products, partially offset by a modification in projected investment
yields. Significant changes in projected investment yields could result in
additional benefits or charges to earnings.

ANNUITY AND LIFE ACQUISITION EXPENSES Annuity and life acquisition expenses
include amortization of annuity and life, accident and health deferred policy
acquisition costs ("DPAC") as well as a portion of commissions on sales of
insurance products. Annuity and life acquisition expenses also include
amortization of the present value of future profits of businesses acquired.

      2002 COMPARED TO 2001 The increase in annuity and life acquisition
expenses in 2002 compared to 2001 reflects (i) a writeoff of DPAC; (ii) the
amortization costs associated with GAFRI's purchase of MNL in June 2002 and
(iii) higher commission expense due to GAFRI's growth in premiums. Included in
2002 and 2001 were DPAC writeoffs related to variable annuities of $13.5 million
and $3.0million, respectively, resulting from the actual performance of the
equity markets and a reduction of assumed future returns. Poor performance in
the equity markets could lead to additional DPAC writeoffs or a charge to
earnings in order to accrue for guaranteed minimum death benefits included in
the variable products. (See "Proposed Accounting Standard"). Included in 2002 is
a DPAC writeoff of $4 million related primarily to adverse mortality in GAFRI's
life operations. Partially offsetting the DPAC writeoffs in 2002 was a reduction
of approximately $7 million in DPAC amortization on fixed annuities relating to
decreases in crediting rates on certain fixed annuity products. Continued
adverse mortality could lead to additional DPAC writeoffs. Significant
changes in projected investment yields could result in additional benefits
or charges to earnings.

      2001 COMPARED TO 2000 The increase in annuity and life acquisition
expenses resulted primarily from (i) increased lapses and increased sales of
traditional life insurance and (ii) the effect of the equity markets on variable
annuity DPAC.
<PAGE>
INTEREST ON BORROWED MONEY Changes in interest expense result from fluctuations
in market rates as well as changes in borrowings. AFG has generally financed its
borrowings on a long-term basis which has resulted in higher current costs.

      2002 COMPARED TO 2001 Interest expense was virtually unchanged in 2002 as
lower average rates on AFG's variable rate debt were substantially offset by
higher average indebtedness and higher average payable to reinsurers balances.

      2001 COMPARED TO 2000 Interest expense decreased in 2001 as lower average
interest rates on AFG's variable rate debt and lower average subsidiary
indebtedness more than offset higher average borrowings under the AFC bank line.





                                       40
<PAGE>

OTHER OPERATING AND GENERAL EXPENSES

      2002 COMPARED TO 2001 Other operating and general expenses for 2001
include goodwill amortization of $13.7 million. Under SFAS No. 142, which was
implemented January 1, 2002, goodwill is no longer amortized. Excluding 2001
goodwill amortization, other operating and general expenses increased
$36.6 million (10%) in 2002. Expenses of the Specialty group's new warranty
business, higher expenses in real estate operations (due primarily to the
acquisition of a new hotel in May 2002) and higher expenses related to growth in
certain other Specialty operations were partially offset by lower charges for
environmental reserves related to former operations and lower IT-related
expenses.

      2001 COMPARED TO 2000 Excluding the 2000 litigation charges discussed
below, other operating and general expenses increased $13.2 million (3%) due
primarily to a $14.8 million increase in environmental reserves related to
former operations.

      Other operating and general expenses for 2000 include second quarter
charges of $18.3 million related to an agreement to settle a lawsuit against a
GAFRI subsidiary and $8.8 million for an adverse California Supreme Court ruling
against an AFG property and casualty subsidiary.

INCOME TAXES The 2002 provision for income taxes includes $31 million in tax
benefits for the reduction of previously accrued amounts due to the resolution
of certain tax matters. See Note I to the Financial Statements for an analysis
of items affecting AFG's effective tax rate.

INVESTEE CORPORATIONS

      START-UP MANUFACTURING BUSINESSES AFG's pretax operating earnings for 2000
include losses of $6.7 million from two start-up manufacturing businesses
acquired in 2000 from their former owners. AFG sold the equity interests in
these businesses in the fourth quarter of 2000 for a nominal cash consideration
plus warrants to repurchase a significant ownership interest. Due to the absence
of significant financial investment by the buyers relative to the amount of
loans ($61.5 million at December 31, 2000) owed to AFG subsidiaries, AFG
retained the financial risk in these businesses and continued accounting for
their operations under the equity method as investees.

      Beginning in the fourth quarter of 2000, AFG's equity in the results of
operations of these businesses is included in investee earnings. In 2002, 2001
and 2000, equity in net losses of investee corporations includes $9.0 million,
$16.6 million and $4.1 million, respectively, in losses of these businesses.

      Investee losses in 2001 include litigation judgments of $4.7 million
against one of these companies. In December 2002, this company sold its fixed
assets, ceased operations and transferred approximately $30 million in cash and
other assets to AFG. The amount transferred approximated AFG's carrying value of
loans to this business. Amounts included in equity in net losses of investee
corporations for this business were $5.4 million in 2002, $13.7 million in 2001
and $3.1 million in 2000.

      CHIQUITA Equity in net losses of investee corporations for 2000 includes
AFG's proportionate share of the results of Chiquita Brands International.
Chiquita reported net losses attributable to common shareholders of $112 million
in 2000.
<PAGE>
      Equity in net losses of investees for 2000 includes a $95.7 million pretax
charge to writedown AFG's investment in Chiquita to a market value of
approximately $1 per share. In 2001, AFG suspended accounting for Chiquita under
the equity method due to Chiquita's pending restructuring. In March 2002,
Chiquita completed its reorganization under Chapter 11 of the U.S. Bankruptcy
Code. As a result of the restructuring, AFG's ownership percentage of Chiquita
was reduced to less than one-half of 1%.

                                       41
<PAGE>
CUMULATIVE EFFECT OF ACCOUNTING CHANGES Effective January 1, 2002, AFG
implemented Statement of Financial Accounting Standards ("SFAS") No. 142,
"Goodwill and Other Intangible Assets", under which goodwill is no longer
amortized, but is subject to an impairment test at least annually. The initial
impairment testing resulted in a charge of $40.4 million (net of minority
interest and taxes) for the cumulative effect of a change in accounting
principle.

      In 2001, the cumulative effect of accounting change represents the
implementation of a new accounting standard (EITF 99-20) which resulted in a
writedown of $10.0 million (net of minority interest and taxes) of the carrying
value of certain collateralized debt obligations as of April 1, 2001.

       In October 2000, AFG implemented Statement of Financial Accounting
Standards No. 133, "Accounting for Derivative Instruments and Hedging
Activities", which requires all derivatives to be recognized in the balance
sheet at fair value and that the initial effect of recognizing derivatives at
fair value be reported as a cumulative effect of a change in accounting
principle. Accordingly, AFG recorded a charge of $9.1 million (net of minority
interest and taxes) to record its derivatives at fair value at the beginning of
the fourth quarter of 2000.

RECENT ACCOUNTING STANDARDS The following accounting standards have been or may
be implemented by AFG. The implementation of these standards is discussed under
various subheadings of Note A to the Financial Statements; effects of each are
shown in the relevant Notes.

  Accounting
  Standard    Subject of Standard (Year Implemented)  Reference
  ----------  --------------------------------------  ---------
  SFAS #133   Derivatives (2000)                      "Derivatives"
  EITF 99-20  Asset-backed Securities (2001)          "Investments"
  SFAS #141   Business Combinations (2001)            "Business Combinations"
  SFAS #142   Goodwill and Other Intangibles (2002)   "Goodwill"
  SFAS #148   Stock-based Compensation (2002)         "Stock-based Compensation"

      Other standards issued in recent years did not apply to AFG or had only
negligible effects on AFG.

      In January 2003, the Financial Accounting Standards Board issued
Interpretation No.46, Consolidation of Variable Interest Entities ("FIN 46").
This interpretation will require companies to consolidate entities without
sufficient equity based on ownership of expected gains and losses. FIN 46 is
effective immediately to variable interest entities acquired after January 31,
2003. For entities acquired before that date, the guidance becomes effective for
periods beginning after June 15, 2003.

      AFG is currently assessing the application of FIN 46 as it relates to its
investments in two collateralized debt obligations ("CDOs"), for which AFG also
acts as investment manager. Under the CDOs, securities were issued in various
senior and subordinate classes and the proceeds were invested primarily in bank
loans, and to a lesser extent, high yield bonds, all of which serve as
collateral for the securities issued by the CDOs. None of the collateral was
purchased from AFG. The market value of the collateral at December 31, 2002 was
approximately $800 million.
<PAGE>
      AFG's investments in the two CDOs are subordinate to the senior classes
(approximately 92% of the total securities) issued by the CDOs. To the extent
there are defaults and unrecoverable losses on the underlying collateral
resulting in reduced cash flows, AFG's class would bear losses first. Holders of
the CDO debt securities have no recourse against AFG for the liabilities of the
CDOs; accordingly, AFG's exposure to loss on these investments is limited to its
investment. AFG's investments in the CDOs are carried at estimated market value
of $13.7 million at December 31, 2002 and are included in fixed maturities in
AFG's balance sheet.

PROPOSED ACCOUNTING STANDARD GAFRI's variable annuity contracts contain a
guaranteed minimum death benefit ("GMDB") (which may exceed the value of the
policyholder's account) to be paid if the annuityholder dies before the annuity
payout period commences. At December 31, 2002, the aggregate GMDB values
(assuming every policyholder died on that date) exceeded the market value of the
underlying variable


                                       42
<PAGE>

annuities by $233 million.  Industry practice varies, but GAFRI does not
establish GAAP reserves for this mortality risk. If a proposed accounting
standard becomes effective, GAFRI would be required to record a liability for
the present value of expected GMDB payments. Initial recognition of a GAAP
liability (estimated to be less than 4% of the difference between the
underlying market value of thevariable annuities and GMDB value) would be
accounted for as the cumulativeeffect of a change in accounting principles.
Death benefits paid in excess of the variable annuity account balances were
$1.1 million in 2002.


                                     ITEM 7A

           QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
           ----------------------------------------------------------

The information required by Item 7A is included in Management's Discussion and
Analysis of Financial Condition and Results of Operations.






































                                       43
<PAGE>

                                     ITEM 8

                   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
                   -------------------------------------------
                                                                    Page
                                                                    ----
Report of Independent Auditors                                       F-1

Consolidated Balance Sheet:
    December 31, 2002 and 2001                                       F-2

Consolidated Statement of Operations:
    Years ended December 31, 2002, 2001, and 2000                    F-3

Consolidated Statement of Changes in Shareholders' Equity
    Years ended December 31, 2002, 2001, and 2000                    F-4

Consolidated Statement of Cash Flows:
    Years ended December 31, 2002, 2001, and 2000                    F-5

Notes to Consolidated Financial Statements                           F-6

"Selected Quarterly Financial Data" has been included in Note L to the
Consolidated Financial Statements.

Please refer to "Forward-Looking Statements" following the Index in front of
this Form 10-K.

- -------------------------------------------------------------------------------

                                    PART III

      The information required by the following Items will be provided within
120 days after the end of Registrant's fiscal year.


        ITEM 10          DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT
                         --------------------------------------------------


        ITEM 11          EXECUTIVE COMPENSATION
                         ----------------------


        ITEM 12          SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND
                         ---------------------------------------------------
                         MANAGEMENT AND RELATED STOCKHOLDER MATTERS
                         ------------------------------------------


        ITEM 13          CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS
                         ----------------------------------------------
<PAGE>
                                     ITEM 14

                             CONTROLS AND PROCEDURES
                             -----------------------

       AFG's chief executive officer and chief financial officer, with
assistance from management, have evaluated AFG's disclosure controls and
procedures (as defined in Exchange Act Rule 13a-14(c)) as of a date within 90
days prior to filing this report. Based on that evaluation, they concluded that
the controls and procedures are effective. There have been no significant
changes in AFG's internal controls or in other factors that could significantly
affect these controls subsequent to the date of their evaluation.



                                       44
<PAGE>
                         REPORT OF INDEPENDENT AUDITORS


BOARD OF DIRECTORS
AMERICAN FINANCIAL GROUP, INC.

We have audited the accompanying consolidated balance sheet of American
Financial Group, Inc. and subsidiaries as of December 31, 2002 and 2001, and the
related consolidated statements of operations, changes in shareholders' equity
and cash flows for each of the three years in the period ended December 31,
2002. Our audits also included the financial statement schedules listed in the
Index at Item 15(a). These financial statements and schedules are the
responsibility of the Company's management. Our responsibility is to express an
opinion on these financial statements and schedules based on our audits.

We conducted our audits in accordance with auditing standards generally accepted
in the United States. Those standards require that we plan and perform the audit
to obtain reasonable assurance about whether the financial statements are free
of material misstatement. An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial statements. An audit
also includes assessing the accounting principles used and significant estimates
made by management, as well as evaluating the overall financial statement
presentation. We believe that our audits provide a reasonable basis for our
opinion.

In our opinion, the financial statements referred to above present fairly, in
all material respects, the consolidated financial position of American Financial
Group, Inc. and subsidiaries at December 31, 2002 and 2001, and the consolidated
results of their operations and their cash flows for each of the three years in
the period ended December 31, 2002, in conformity with accounting principles
generally accepted in the United States. Also, in our opinion, the related
financial statement schedules, when considered in relation to the basic
financial statements taken as a whole, present fairly in all material respects
the information set forth therein.

As discussed in Notes A and E to the consolidated financial statements, in 2002,
the Company implemented Statement of Financial Accounting Standards No. 142,
which required a change in the method of accounting for goodwill.




                                          ERNST & YOUNG LLP


Cincinnati, Ohio
February 19, 2003











                                       F-1
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES
                           CONSOLIDATED BALANCE SHEET
                             (Dollars In Thousands)

<TABLE>
<CAPTION>
                                                                December 31,
                                                       ---------------------------
                                                               2002           2001
                                                               ----           ----
<S>                                                  <C>           <C>
ASSETS:
 Cash and short-term investments                        $   871,103    $   544,173
 Investments:
  Fixed maturities - at market
   (amortized cost - $11,549,710 and $10,593,305)        12,006,910     10,748,605
  Other stocks - at market
   (cost - $174,645 and $187,810)                           300,445        313,710
  Policy loans                                              214,852        211,288
  Real estate and other investments                         257,731        266,545
                                                        -----------    -----------
      Total investments                                  12,779,938     11,540,148
 Recoverables from reinsurers and prepaid
  reinsurance premiums                                    2,866,780      2,286,509
 Agents' balances and premiums receivable                   708,327        666,171
 Deferred acquisition costs                                 842,070        818,323
 Other receivables                                          307,008        254,255
 Variable annuity assets (separate accounts)                455,142        529,590
 Prepaid expenses, deferred charges and other assets        425,775        453,718
 Goodwill                                                   248,683        308,794
                                                        -----------    -----------

                                                        $19,504,826    $17,401,681
                                                        ===========    ===========

LIABILITIES AND CAPITAL:
 Unpaid losses and loss adjustment expenses             $ 5,203,831    $ 4,777,580
 Unearned premiums                                        1,847,924      1,640,955
 Annuity benefits accumulated                             6,453,881      5,832,120
 Life, accident and health reserves                         902,393        638,522
 Payable to reinsurers                                      508,718        296,462
 Long-term debt:
  Holding companies                                         648,410        608,960
  Subsidiaries                                              296,771        270,752
 Variable annuity liabilities (separate accounts)           455,142        529,590
 Accounts payable, accrued expenses and other
  liabilities                                               990,884        853,631
                                                        -----------    -----------
      Total liabilities                                  17,307,954     15,448,572

 Minority interest                                          471,024        454,730
<PAGE>
 Shareholders' Equity:
  Common Stock, no par value
    - 200,000,000 shares authorized
    - 69,129,352 and 68,491,610 shares outstanding           69,129         68,492
  Capital surplus                                           923,042        911,074
  Retained earnings                                         409,777        359,513
  Unrealized gain on marketable securities, net             323,900        159,300
                                                        -----------    -----------
      Total shareholders' equity                          1,725,848      1,498,379
                                                        -----------    -----------

                                                        $19,504,826    $17,401,681
                                                        ===========    ===========
</TABLE>


See notes to consolidated financial statements.





                                       F-2
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES
                      CONSOLIDATED STATEMENT OF OPERATIONS
                      (In Thousands, Except Per Share Data)
<TABLE>
<CAPTION>


                                                                      Year ended December 31,
                                                           --------------------------------------------
                                                                 2002             2001             2000
                                                                 ----             ----             ----
<S>                                                     <C>              <C>             <C>
INCOME:
  Property and casualty insurance premiums                 $2,402,600       $2,593,938       $2,494,892
  Life, accident and health premiums                          305,647          280,122          230,441
  Investment income                                           862,650          853,673          834,288
  Realized gains (losses) on:
    Securities                                                (79,079)         (24,140)         (26,581)
    Subsidiaries                                              (10,769)             170            4,032
    Other investments                                           9,253             -              27,230
  Other income                                                259,266          219,869          253,025
                                                           ----------       ----------       ----------
                                                            3,749,568        3,923,632        3,817,327

COSTS AND EXPENSES:
  Property and casualty insurance:
    Losses and loss adjustment expenses                     1,814,699        2,080,057        1,961,538
    Commissions and other underwriting expenses               614,225          741,396          735,241
  Annuity benefits                                            300,966          294,654          293,171
  Life, accident and health benefits                          245,271          213,022          175,174
  Annuity and life acquisition expenses                       114,507           79,297           62,259
  Interest charges on borrowed money                           60,407           60,744           67,642
  Other operating and general expenses                        421,474          398,564          412,409
                                                           ----------       ----------       ----------
                                                            3,571,549        3,867,734        3,707,434
                                                           ----------       ----------       ----------
Operating earnings before income taxes                        178,019           55,898          109,893
Provision for income taxes                                     17,880           10,078           29,041
                                                           ----------       ----------       ----------

Net operating earnings                                        160,139           45,820           80,852

Minority interest expense, net of tax                         (26,149)         (34,070)         (35,366)
Equity in net losses of investees, net of tax                  (8,990)         (16,550)         (92,449)
                                                           ----------       ----------       ----------
Earnings (loss) before cumulative effect of
  accounting changes                                          125,000           (4,800)         (46,963)
Cumulative effect of accounting changes                       (40,360)         (10,040)          (9,072)
                                                           ----------       ----------       ----------

NET EARNINGS (LOSS)                                        $   84,640      ($   14,840)     ($   56,035)
                                                           ==========       ==========       ==========
<PAGE>
BASIC EARNINGS (LOSS) PER COMMON SHARE:
  Before accounting changes                                     $1.82            ($.07)           ($.80)
  Cumulative effect of accounting changes                        (.59)            (.15)            (.15)
                                                                -----             ----             ----
  Net earnings (loss) available to Common Shares                $1.23            ($.22)           ($.95)
                                                                =====             ====             ====

DILUTED EARNINGS (LOSS) PER COMMON SHARE:
  Before accounting changes                                     $1.81            ($.07)           ($.80)
  Cumulative effect of accounting changes                        (.59)            (.15)            (.15)
                                                                -----             ----             ----
  Net earnings (loss) available to Common Shares                $1.22            ($.22)           ($.95)
                                                                =====             ====             ====

Average number of Common Shares:
  Basic                                                        68,800           67,928           58,905
  Diluted                                                      69,203           68,368           59,074

Cash dividends per Common Share                                  $.50            $1.00            $1.00

</TABLE>



See notes to consolidated financial statements.




                                       F-3
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES
            CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY
                             (Dollars In Thousands)

<TABLE>
<CAPTION>

                                                            Common Stock                     Unrealized
                                               Common        And Capital      Retained      Gain (Loss)
                                               Shares            Surplus      Earnings    on Securities              Total
                                           ----------       ------------      --------    -------------         ----------
<S>                                     <C>                 <C>            <C>          <C>                  <C>
BALANCE AT DECEMBER 31, 1999               58,419,952           $800,640      $557,538     ($ 18,200)           $1,339,978


Net earnings (loss)                              -                  -          (56,035)         -                  (56,035)
Change in unrealized                             -                  -             -          158,800               158,800
                                                                                                                ----------
  Comprehensive income                                                                                             102,765

Dividends on Common Stock                        -                  -          (58,571)         -                  (58,571)
Shares issued:
  Public offering                           8,337,500            154,783          -             -                  154,783
  Exercise of stock options                    68,523              1,376          -             -                    1,376
  Dividend reinvestment plan                  285,694              5,731          -             -                    5,731
  Employee stock purchase plan                 70,621              1,694          -             -                    1,694
  Retirement plan contributions               274,716              6,242          -             -                    6,242
  Directors fees paid in stock                  3,813                 96          -             -                       96
Shares acquired and retired                   (50,728)              (695)         (656)         -                   (1,351)
Tax effect of intercompany dividends             -                (6,400)         -             -                   (6,400)
Capital transactions of subsidiaries             -                   178          -             -                      178
Other                                            -                 2,009          -             -                    2,009
                                           ----------           --------      --------      --------            ----------

BALANCE AT DECEMBER 31, 2000               67,410,091           $965,654      $442,276      $140,600            $1,548,530
                                           ==========           ========      ========      ========            ==========


Net earnings (loss)                              -              $   -        ($ 14,840)     $   -              ($   14,840)
Change in unrealized                             -                  -             -           18,700                18,700
                                                                                                                ----------
  Comprehensive income                                                                                               3,860

Dividends on Common Stock                        -                  -          (67,874)         -                  (67,874)
Shares issued:
  Exercise of stock options                    65,335              1,522          -             -                    1,522
  Dividend reinvestment plan                   85,105              1,806          -             -                    1,806
  Employee stock purchase plan                 53,370              1,365          -             -                    1,365
  Retirement plan contributions               876,877             20,970          -             -                   20,970
  Deferred compensation distributions             331                  9          -             -                        9
  Directors fees paid in stock                  4,044                 96          -             -                       96
Shares acquired and retired                    (3,543)               (51)          (49)         -                     (100)
Tax effect of intercompany dividends             -                (6,400)         -             -                   (6,400)
Capital transactions of subsidiaries             -                (4,215)         -             -                   (4,215)
Other                                            -                (1,190)         -             -                   (1,190)
                                           ----------           --------      --------      --------            ----------

BALANCE AT DECEMBER 31, 2001               68,491,610           $979,566      $359,513      $159,300            $1,498,379
                                           ==========           ========      ========      ========            ==========
<PAGE>

Net earnings                                     -              $   -         $ 84,640      $   -               $   84,640
Change in unrealized                             -                  -             -          164,600               164,600
                                                                                                                ----------
  Comprehensive income                                                                                             249,240

Dividends on Common Stock                        -                  -          (34,367)         -                  (34,367)
Shares issued:
  Exercise of stock options                    28,837                656          -             -                      656
  Dividend reinvestment plan                  298,076              6,616          -             -                    6,616
  Employee stock purchase plan                 45,869              1,143          -             -                    1,143
  Retirement plan contributions               260,040              6,589          -             -                    6,589
  Deferred compensation distributions           1,809                 45          -             -                       45
  Directors fees paid in stock                  3,904                 96          -             -                       96
Shares acquired and retired                      (793)               (12)           (9)         -                      (21)
Tax effect of intercompany dividends             -                (3,200)         -             -                   (3,200)
Other                                            -                   672          -             -                      672
                                           ----------           --------      --------      --------            ----------

BALANCE AT DECEMBER 31, 2002               69,129,352           $992,171      $409,777      $323,900            $1,725,848
                                           ==========           ========      ========      ========            ==========
</TABLE>
See notes to consolidated financial statements.


                                       F-4
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES
                      CONSOLIDATED STATEMENT OF CASH FLOWS
                                 (In Thousands)

<TABLE>
<CAPTION>
                                                                        Year ended December 31,
                                                             --------------------------------------------
                                                                   2002            2001              2000
                                                                   ----            ----              ----
<S>                                                        <C>             <C>              <C>
OPERATING ACTIVITIES:
  Net earnings (loss)                                        $   84,640     ($   14,840)      ($   56,035)
  Adjustments:
    Cumulative effect of accounting changes                      40,360          10,040             9,072
    Equity in net losses of investees                             8,990          16,550            92,449
    Depreciation and amortization                               174,990         126,167           100,192
    Annuity benefits                                            300,966         294,654           293,171
    Realized (gains) losses on investing
      activities                                                 49,093          (2,604)          (25,173)
    Deferred annuity and life policy acquisition
      costs                                                    (170,194)       (137,724)         (146,686)
    Decrease (increase) in reinsurance and
      other receivables                                        (669,776)       (298,995)           74,228
    Decrease (increase) in other assets                          30,978         (20,682)          (70,305)
    Increase in insurance claims and reserves                   703,244         546,522           189,587
    Increase in payable to reinsurers                           212,256         154,384            14,270
    Increase (decrease) in other liabilities                     39,449           4,558           (43,118)
    Increase in minority interest                                 3,462          15,156             4,957
    Other, net                                                      113          28,730             4,856
                                                             ----------      ----------        ----------
                                                                808,571         721,916           441,465
                                                             ----------      ----------        ----------
INVESTING ACTIVITIES:
  Purchases of and additional investments in:
    Fixed maturity investments                               (6,199,022)     (3,827,768)       (1,635,578)
    Equity securities                                           (16,583)         (9,071)          (45,800)
    Subsidiary                                                  (48,447)           -                 -
    Real estate, property and equipment                         (53,639)        (90,111)          (88,371)
  Maturities and redemptions of fixed maturity
    investments                                               1,807,482         902,820           689,691
  Sales of:
    Fixed maturity investments                                3,566,812       2,468,492           810,942
    Equity securities                                            23,669          15,814            84,147
    Investees and subsidiaries                                     -             40,395            30,694
    Real estate, property and equipment                          22,417          71,002            30,150
  Cash and short-term investments of acquired
    (former) subsidiaries, net                                    4,684        (134,237)         (132,163)
  Decrease (increase) in other investments                       27,220          (7,827)            5,637
                                                             ----------      ----------        ----------
                                                               (865,407)       (570,491)         (250,651)
                                                             ----------      ----------        ----------
<PAGE>
FINANCING ACTIVITIES:
  Fixed annuity receipts                                        874,470         616,628           496,742
  Annuity surrenders, benefits and withdrawals                 (549,919)       (622,474)         (731,856)
  Net transfers from (to) variable annuity assets                20,807            (363)          (50,475)
  Additional long-term borrowings                               224,560         242,613           182,462
  Reductions of long-term debt                                 (159,926)       (143,840)         (141,577)
  Issuances of Common Stock                                       1,608           2,582           157,295
  Repurchases of trust preferred securities                        -            (75,000)           (2,479)
  Cash dividends paid                                           (27,834)        (66,068)          (52,886)
                                                             ----------      ----------        ----------
                                                                383,766         (45,922)         (142,774)
                                                             ----------      ----------        ----------

NET INCREASE IN CASH AND SHORT-TERM INVESTMENTS                 326,930         105,503            48,040

Cash and short-term investments at beginning of
  period                                                        544,173         438,670           390,630
                                                             ----------      ----------        ----------

Cash and short-term investments at end of period             $  871,103      $  544,173        $  438,670
                                                             ==========      ==========        ==========
</TABLE>


See notes to consolidated financial statements.




                                       F-5
<PAGE>


                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 ------------------------------------------------------------------------------
                                 INDEX TO NOTES
                                 --------------

     A.  Accounting Policies                 H.   Shareholders' Equity
     B.  Acquisitions and Sales of           I.   Income Taxes
         Subsidiaries and Investees          J.   Equity in Losses of Investees
     C.  Segments of Operations              K.   Commitments and Contingencies
     D.  Investments                         L.   Quarterly Operating Results
     E.  Goodwill and Other Intangibles      M.   Insurance
     F.  Long-Term Debt                      N.   Additional Information
     G.  Minority Interest                   O.   Subsequent Events
     --------------------------------------------------------------------------

A.    ACCOUNTING POLICIES

      BASIS OF PRESENTATION The consolidated financial statements include the
      accounts of American Financial Group, Inc. ("AFG") and its subsidiaries.
      Certain reclassifications have been made to prior years to conform to the
      current year's presentation. All significant intercompany balances and
      transactions have been eliminated. All acquisitions have been treated as
      purchases. The results of operations of companies since their formation or
      acquisition are included in the consolidated financial statements.

      The preparation of the financial statements in conformity with generally
      accepted accounting principles requires management to make estimates and
      assumptions that affect the amounts reported in the financial statements
      and accompanying notes. Changes in circumstances could cause actual
      results to differ materially from those estimates.

      INVESTMENTS All fixed maturity securities are considered "available for
      sale" and reported at fair value with unrealized gains and losses reported
      as a separate component of shareholders' equity. Short-term investments
      are carried at cost; loans receivable are carried primarily at the
      aggregate unpaid balance. Premiums and discounts on mortgage-backed
      securities are amortized over a period based on estimated future principal
      payments, including prepayments. Prepayment assumptions are reviewed
      periodically and adjusted to reflect actual prepayments and changes in
      expectations. The most significant determinants of prepayments are the
      difference between interest rates on the underlying mortgages and current
      mortgage loan rates and the structure of the security. Other factors
      affecting prepayments include the size, type and age of underlying
      mortgages, the geographic location of the mortgaged properties and the
      credit worthiness of the borrowers. Variations from anticipated
      prepayments will affect the life and yield of these securities.

      Gains or losses on securities are determined on the specific
      identification basis. When a decline in the value of a specific investment
      is considered to be other than temporary, a provision for impairment is
      charged to earnings and the cost basis of that investment is reduced.
<PAGE>
      Emerging Issues Task Force Issue No. 99-20 established a new standard for
      recognizing interest income and impairment on certain asset-backed
      investments. Interest income on these investments is recorded at a yield
      based on projected cash flows. The yield is adjusted prospectively to
      reflect actual cash flows and changes in projected amounts. Impairment
      losses on these investments must be recognized when (i) the fair value of
      the security is less than its cost basis and (ii) there has been an
      adverse change in the expected cash flows. The new standard became
      effective on April 1, 2001. Impairment losses at initial application of
      this rule were recognized as the cumulative effect of an accounting
      change. Subsequent impairments are recognized as a component of net
      realized gains and losses.




                                       F-6
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

      INVESTMENT IN INVESTEE CORPORATIONS Investments in securities of 20%- to
      50%-owned companies are generally carried at cost, adjusted for AFG's
      proportionate share of their undistributed earnings or losses.

      Due to Chiquita's announced intention to pursue a plan to restructure its
      public debt, AFG wrote down its investment in Chiquita common stock to
      market value at December 31, 2000. In 2001, AFG suspended accounting for
      the investment under the equity method due to the expected restructuring,
      and reclassified the investment to "Other stocks." In a 2002
      reorganization of Chiquita, AFG's ownership was reduced to less than
      one-half of 1%.

      GOODWILL Goodwill represents the excess of cost of subsidiaries over AFG's
      equity in their underlying net assets. Through December 31, 2001, goodwill
      was being amortized over periods of 20 to 40 years. Effective January 1,
      2002, AFG implemented Statement of Financial Accounting Standards ("SFAS")
      No. 142, under which goodwill is no longer amortized but is subject to an
      impairment test at least annually. As required under SFAS No. 142, AFG
      completed the transitional test for goodwill impairment (as of January 1,
      2002) in the fourth quarter of 2002. The resulting write-down was reported
      by restating first quarter 2002 results for the cumulative effect of a
      change in accounting principle.

      INSURANCE As discussed under "Reinsurance" below, unpaid losses and loss
      adjustment expenses and unearned premiums have not been reduced for
      reinsurance recoverable.

            REINSURANCE Amounts recoverable from reinsurers are estimated in a
      manner consistent with the claim liability associated with the reinsured
      policies. AFG's insurance subsidiaries report as assets (a) the estimated
      reinsurance recoverable on unpaid losses, including an estimate for losses
      incurred but not reported, and (b) amounts paid to reinsurers applicable
      to the unexpired terms of policies in force. Payable to reinsurers
      includes ceded premiums retained by AFG's insurance subsidiaries under
      contracts to fund ceded losses as they become due. AFG's insurance
      subsidiaries also assume reinsurance from other companies. Income on
      reinsurance assumed is recognized based on reports received from ceding
      companies.

            DEFERRED POLICY ACQUISITION COSTS ("DPAC") Policy acquisition costs
      (principally commissions, premium taxes and other marketing and
      underwriting expenses) related to the production of new business are
      deferred. For the property and casualty companies, DPAC is limited based
      upon recoverability without any consideration for anticipated investment
      income and is charged against income ratably over the terms of the related
      policies.

      DPAC related to annuities and universal life insurance products is
      deferred to the extent deemed recoverable and amortized, with interest, in
      relation to the present value of expected gross profits on the policies.
      To the extent that realized gains and losses result in adjustments to the
      amortization of DPAC related to annuities, such adjustments are reflected
      as components of realized gains. DPAC related to annuities is also
      adjusted, net of tax, for the change in amortization that would have been
      recorded if the unrealized gains (losses) from securities had actually
      been realized. This adjustment is included in "Unrealized gains (losses)
      on marketable securities, net" in the shareholders' equity section of the
      Balance Sheet.

      DPAC related to traditional life and health insurance is amortized over
      the expected premium paying period of the related policies, in proportion
      to the ratio of annual premium revenues to total anticipated premium
      revenues.

            ANNUITY AND LIFE ACQUISITION EXPENSES Annuity and life acquisition
      expenses on the Statement of Operations consists primarily of amortization
      of DPAC related to the annuity and life, accident and health businesses.
      This line item also includes certain marketing and commission costs that
      are expensed as paid.

                                       F-7
<PAGE>


                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

            UNPAID LOSSES AND LOSS ADJUSTMENT EXPENSES The net liabilities
      stated for unpaid claims and for expenses of investigation and adjustment
      of unpaid claims are based upon (a) the accumulation of case estimates for
      losses reported prior to the close of the accounting period on direct
      business written; (b) estimates received from ceding reinsurers and
      insurance pools and associations; (c) estimates of unreported losses based
      on past experience; (d) estimates based on experience of expenses for
      investigating and adjusting claims and (e) the current state of the law
      and coverage litigation. Establishing reserves for asbestos and
      environmental claims involves considerably more judgment than other types
      of claims due to, among other things, inconsistent court decisions, an
      increase in bankruptcy filings as a result of asbestos-related
      liabilities, novel theories of coverage, and judicial interpretations that
      often expand theories of recovery and broaden the scope of coverage.

      Loss reserve liabilities are subject to the impact of changes in claim
      amounts and frequency and other factors. Changes in estimates of the
      liabilities for losses and loss adjustment expenses are reflected in the
      Statement of Operations in the period in which determined. In spite of the
      variability inherent in such estimates, management believes that the
      liabilities for unpaid losses and loss adjustment expenses are adequate.

            ANNUITY BENEFITS ACCUMULATED Annuity receipts and benefit payments
      are recorded as increases or decreases in "annuity benefits accumulated"
      rather than as revenue and expense. Increases in this liability for
      interest credited are charged to expense and decreases for surrender
      charges are credited to other income.

            LIFE, ACCIDENT AND HEALTH RESERVES Liabilities for future policy
      benefits under traditional life, accident and health policies are computed
      using the net level premium method. Computations are based on the original
      projections of investment yields, mortality, morbidity and surrenders and
      include provisions for unfavorable deviations. Reserves established for
      accident and health claims are modified as necessary to reflect actual
      experience and developing trends.

            VARIABLE ANNUITY ASSETS AND LIABILITIES Separate accounts related to
      variable annuities represent deposits invested in underlying investment
      funds on which Great American Financial Resources, Inc. ("GAFRI"), an
      83%-owned subsidiary, earns a fee. Investment funds are selected and may
      be changed only by the policyholder, who retains all investment risk.
<PAGE>
            PREMIUM RECOGNITION Property and casualty premiums are earned over
      the terms of the policies on a pro rata basis. Unearned premiums represent
      that portion of premiums written which is applicable to the unexpired
      terms of policies in force. On reinsurance assumed from other insurance
      companies or written through various underwriting organizations, unearned
      premiums are based on reports received from such companies and
      organizations. For traditional life, accident and health products,
      premiums are recognized as revenue when legally collectible from
      policyholders. For interest-sensitive life and universal life products,
      premiums are recorded in a policyholder account which is reflected as a
      liability. Revenue is recognized as amounts are assessed against the
      policyholder account for mortality coverage and contract expenses.

            POLICYHOLDER DIVIDENDS Dividends payable to policyholders are
      included in "Accounts payable, accrued expenses and other liabilities" and
      represent estimates of amounts payable on participating policies which
      share in favorable underwriting results. Estimates are accrued during the
      period in which premiums are earned. Changes in estimates are included in
      income in the period determined. Policyholder dividends do not become
      legal liabilities unless and until declared by the boards of directors of
      the insurance companies.





                                       F-8
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

      MINORITY INTEREST For balance sheet purposes, minority interest represents
      the interests of noncontrolling shareholders in AFG subsidiaries,
      including American Financial Corporation ("AFC") preferred stock and
      preferred securities issued by trust subsidiaries of AFG. For income
      statement purposes, minority interest expense represents those
      shareholders' interest in the earnings of AFG subsidiaries as well as AFC
      preferred dividends and accrued distributions on the trust preferred
      securities.

      INCOME TAXES AFC files consolidated federal income tax returns which
      include all 80%-owned U.S. subsidiaries, except for certain life insurance
      subsidiaries and their subsidiaries. Because holders of AFC Preferred
      Stock hold in excess of 20% of AFC's voting rights, AFG (parent) and its
      direct subsidiary, AFC Holding Company ("AFC Holding" or "AFCH"), are not
      eligible to file consolidated returns with AFC, and therefore, file
      separately.

      Deferred income taxes are calculated using the liability method. Under
      this method, deferred income tax assets and liabilities are determined
      based on differences between financial reporting and tax bases and are
      measured using enacted tax rates. Deferred tax assets are recognized if it
      is more likely than not that a benefit will be realized.

      STOCK-BASED COMPENSATION As permitted under SFAS No. 123, "Accounting for
      Stock-Based Compensation," AFG accounts for stock options and other
      stock-based compensation plans using the intrinsic value based method
      prescribed by Accounting Principles Board Opinion No. 25, "Accounting for
      Stock Issued to Employees." Under AFG's stock option plan, options are
      granted to officers, directors and key employees at exercise prices equal
      to the fair value of the shares at the dates of grant. No compensation
      expense is recognized for stock option grants.

      The following table illustrates the effect on net earnings and earnings
      per share had compensation cost been recognized and determined based on
      the fair values at grant dates consistent with the method prescribed by
      SFAS No. 123. See Note H "Shareholders' Equity" for further information on
      stock options, including assumptions made in the calculation of pro forma
      stock option expense.
                                                    2002       2001       2000
                                                    ----       ----       ----
     Net earnings (loss), as reported            $84,640   ($14,840)  ($56,035)
     Pro forma stock option expense, net of tax   (5,639)    (5,436)    (7,007)
                                                 -------    -------    -------

     Adjusted net earnings (loss)                $79,001   ($20,276)  ($63,042)
                                                 =======    =======    =======

     Earnings per share (as reported):
       Basic                                       $1.23     ($0.22)    ($0.95)
       Diluted                                     $1.22     ($0.22)    ($0.95)

     Earnings per share (adjusted):
       Basic                                       $1.15     ($0.30)    ($1.07)
       Diluted                                     $1.14     ($0.30)    ($1.07)
<PAGE>
      BENEFIT PLANS AFG provides retirement benefits to qualified employees of
      participating companies through the AFG Retirement and Savings Plan, a
      defined contribution plan. The Company makes all contributions to the
      retirement fund portion of the Plan and matches a percentage of employee
      contributions to the savings fund. Employees have been permitted to direct
      the investment of their contributions to independently managed investment
      funds, while Company contributions have been invested primarily in
      securities of AFG and affiliates. Employees may direct the investment of a
      portion of their vested retirement fund account balances (increasing from
      12.5% in July 2002 to 100% in April 2004) from securities of AFG and its
      affiliates to independently managed investment funds. As of December 31,
      2002, the Plan owned 12% of AFG's outstanding Common Stock. Company
      contributions are expensed in the year for which they are declared.

                                       F-9
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

      AFG and many of its subsidiaries provide health care and life insurance
      benefits to eligible retirees. AFG also provides postemployment benefits
      to former or inactive employees (primarily those on disability) who were
      not deemed retired under other company plans. The projected future cost of
      providing these benefits is expensed over the period the employees earn
      such benefits.

      DERIVATIVES Effective October 1, 2000, AFG implemented SFAS No. 133,
      "Accounting for Derivative Instruments and Hedging Activities", which
      established accounting and reporting standards for derivative instruments
      (including derivative instruments that are embedded in other contracts)
      and for hedging activities. Prior year financial statements were not
      restated. SFAS No. 133 generally requires that derivatives (both assets
      and liabilities) be recognized in the balance sheet at fair value with
      changes in fair value included in current earnings. The cumulative effect
      of implementing SFAS No. 133, which resulted from the initial recognition
      of AFG's derivatives at fair value, was a loss of $9.1 million (net of
      minority interest and taxes) or $.15 per diluted share.

      Derivatives are included in AFG's Balance Sheet and consist primarily of
      investments in common stock warrants (valued at $13.8 million at
      December 31, 2002; included in other stocks), the equity-based component
      of certain annuity products (included in annuity benefits accumulated)
      and related call options (included in other investments) designed to be
      consistent with the characteristics of the liabilities and used to
      mitigate the risk embedded in those annuity products.

      EARNINGS PER SHARE Basic earnings per share is calculated using the
      weighted average number of shares of common stock outstanding during the
      period. The calculation of diluted earnings per share includes the
      following dilutive effects of common stock options: 2002 - 403,000 shares;
      2001 - 440,000 shares and 2000 - 169,000 shares.

      STATEMENT OF CASH FLOWS For cash flow purposes, "investing activities" are
      defined as making and collecting loans and acquiring and disposing of debt
      or equity instruments and property and equipment. "Financing activities"
      include obtaining resources from owners and providing them with a return
      on their investments, borrowing money and repaying amounts borrowed.
      Annuity receipts, benefits and withdrawals are also reflected as financing
      activities. All other activities are considered "operating". Short-term
      investments having original maturities of three months or less when
      purchased are considered to be cash equivalents for purposes of the
      financial statements.
<PAGE>
B.    ACQUISITIONS AND SALES OF SUBSIDIARIES AND INVESTEES  See Note O,
      "Subsequent Events" for information on the 2003 sales of Infinity
      and the direct-to-consumer auto business.

      NEW JERSEY PRIVATE PASSENGER AUTOMOBILE INSURANCE BUSINESS In September
      2002, an AFG subsidiary entered into an agreement under which an unrelated
      insurer will assume the subsidiary's obligations to renew its private
      passenger automobile insurance business written in New Jersey. AFG
      recognized a $10.8 million pretax loss on the transaction. As of September
      9, 2002, AFG no longer accepts any new private passenger automobile
      insurance in that state.

      MANHATTAN NATIONAL LIFE INSURANCE On June 28, 2002, GAFRI acquired
      Manhattan National Life Insurance Company ("MNL") from Conseco, Inc. for
      $48.5 million in cash. At December 31, 2002, MNL reinsured 90% of its in
      force business.



                                      F-10
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

      SEVEN HILLS INSURANCE COMPANY In July 2001, AFG sold Seven Hills Insurance
      Company for $18.4 million, realizing a pretax gain of $7.1 million. AFG
      retained all liability for Seven Hills' business related to the period AFG
      owned the company.

      JAPANESE DIVISION In December 2000, AFG agreed to sell its Japanese
      property and casualty division to Mitsui Marine & Fire Insurance Company
      of America for $22 million in cash and recorded an estimated $10.7 million
      pretax loss. Upon completion of the sale in March 2001, AFG realized an
      additional pretax loss of $6.9 million (including post closing
      adjustments) and deferred a gain of approximately $21 million on ceded
      insurance; the deferred gain is being recognized over the estimated
      settlement period (weighted average of 4 years) of the ceded claims. At
      the same time, a reinsurance agreement under which Great American
      Insurance ceded a portion of its pool of insurance to Mitsui was
      terminated. The Japanese division generated net written premiums of
      approximately $60 million per year to Great American while Great American
      ceded approximately $45 million per year to Mitsui.

      STONEWALL INSURANCE COMPANY In September 2000, AFG sold Stonewall
      Insurance Company for $31.2 million (net of post closing adjustments),
      realizing a pretax loss of $10.3 million. Stonewall was a non-operating
      property and casualty subsidiary with approximately $320 million in
      assets, engaged primarily in the run-off of approximately $170 million in
      asbestos and environmental liabilities associated with policies written
      through 1991.

      COMMERCIAL LINES DIVISION In 1998, AFG sold its Commercial lines division
      to Ohio Casualty Corporation for $300 million cash plus warrants to
      purchase shares of Ohio Casualty common stock. AFG received an additional
      $25 million (included in gains on sales of subsidiaries) in August 2000
      under a provision in the sale agreement related to the retention and
      growth of the insurance businesses sold.

      START-UP MANUFACTURING BUSINESSES Since 1998, AFG subsidiaries have made
      loans to two start-up manufacturing businesses which were previously owned
      by unrelated third-parties. During 2000, the former owners chose to
      forfeit their equity interests to AFG rather than invest additional
      capital. Total loans extended to these businesses prior to forfeiture
      amounted to $49.7 million and the accumulated losses of the two businesses
      were approximately $29.7 million.
<PAGE>
      During the fourth quarter of 2000, AFG sold the equity interests to a
      group of employees for nominal cash consideration plus warrants to
      repurchase a significant ownership interest. Due to the absence of
      significant financial investment by the buyers relative to the amount of
      loans ($61.5 million at December 31, 2000) owed to AFG subsidiaries, the
      sale was not recognized as a divestiture for accounting purposes and AFG
      continued accounting for their operations under the equity method as
      investees. In December 2002, one of the businesses sold substantially all
      of its assets for $29.5 million, which proceeds and approximately $675,000
      in receivables and other assets were transferred to AFG. The amount
      transferred approximated AFG's carrying value of loans to this business.
      At December 31, 2001, $41.6 million in assets of this business were
      included in other assets and $9.8 million in liabilities of this business
      (after consolidation and elimination of loans from AFG subsidiaries) were
      included in other liabilities in AFG's consolidated balance sheet.

      Assets of the remaining start-up business ($15.3 million at December 31,
      2002, and $15.5 million at December 31, 2001) are included in other
      assets; liabilities of the business ($2.0 million at December 31, 2002 and
      2001, after consolidation and elimination of loans from AFG subsidiaries)
      are included in other liabilities.

      AFG's equity in the losses of these two companies during 2002, 2001 and
      the fourth quarter of 2000 was $9.0 million, $16.6 million and $4.1
      million, respectively, and is included in investee losses in the Statement
      of Operations.


                                      F-11
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

C.    SEGMENTS OF OPERATIONS  AFG's property and casualty group has been engaged
      primarily in specialty commercial insurance and private passenger
      automobile insurance business.  The Specialty group includes a highly
      diversified group of specialty business units.  Some of the more
      significant areas are inland and ocean marine, California workers'
      compensation, agricultural-related coverages, executive and professional
      liability, fidelity and surety bonds, collateral protection, and umbrella
      and excess coverages.  In 2003, AFG sold a substantial portion of its
      Personal segment; see Note O - "Subsequent Events."  The Personal
      group wrote nonstandard and preferred/standard private passenger auto
      and other personal insurance coverage.  AFG's annuity, life and health
      business markets primarily retirement products as well as life and
      supplemental health insurance.  AFG's businesses operate throughout
      the United States.  In 2002, 2001, and 2000, AFG derived less than 2%
      of its revenues from the sale of life and supplemental health products
      in Puerto Rico and less than 1% of its revenues from the sale of property
      and casualty insurance in Mexico, Canada, Puerto Rico, Europe and Asia.

      The following tables (in thousands) show AFG's assets, revenues and
      operating profit (loss) by significant business segment. Operating profit
      (loss) represents total revenues less operating expenses.
<TABLE>
<CAPTION>
                                                          2002              2001             2000
                                                          ----              ----             ----
<S>                                               <C>              <C>              <C>
      ASSETS
      Property and casualty insurance (a)          $ 9,960,769       $ 8,796,909      $ 8,200,683
      Annuities and life                             9,349,280         8,370,904        7,934,851
      Other                                            194,777           233,868          256,011
                                                   -----------       -----------      -----------
                                                    19,504,826        17,401,681       16,391,545
      Investment in investees                           -                 -                23,996
                                                   -----------       -----------      -----------
                                                   $19,504,826       $17,401,681      $16,415,541
                                                   ===========       ===========      ===========
      REVENUES (b)
      Property and casualty insurance:
        Premiums earned:
          Specialty                                $ 1,497,088       $ 1,409,497      $ 1,223,435
          Personal                                     905,246         1,182,651        1,270,328
          Other lines (c)                                  266             1,790            1,129
                                                   -----------       -----------      -----------
                                                     2,402,600         2,593,938        2,494,892
        Investment and other income                    410,947           458,410          450,537
                                                   -----------       -----------      -----------
                                                     2,813,547         3,052,348        2,945,429
      Annuities and life (d)                           897,365           855,733          823,586
      Other                                             38,656            15,551           48,312
                                                   -----------       -----------      -----------
                                                   $ 3,749,568       $ 3,923,632      $ 3,817,327
                                                   ===========       ===========      ===========
<PAGE>
      OPERATING PROFIT (LOSS)
      Property and casualty insurance:
        Underwriting:
          Specialty                                $    24,544      ($    23,274)    ($    94,857)
          Personal                                       1,339           (93,254)        (108,372)
          Other lines (c)(e)                           (52,207)         (110,987)           1,342
                                                   -----------       -----------      -----------
                                                       (26,324)         (227,515)        (201,887)
        Investment and other income                    211,424           296,725          289,549
                                                   -----------       -----------      -----------
                                                       185,100            69,210           87,662
      Annuities and life                                61,553           100,864           96,211
      Other (f)                                        (68,634)         (114,176)         (73,980)
                                                   -----------       -----------      -----------
                                                   $   178,019       $    55,898      $   109,893
                                                   ===========       ===========      ===========
</TABLE>
      (a)  Not allocable to segments.
      (b)  Revenues include sales of products and services as well as other
           income earned by the respective segments.
      (c)  Represents development of lines in "run-off"; AFG has ceased
           underwriting new business in these operations.
      (d)  Represents primarily investment income.
      (e)  Includes a special charge of $100 million in 2001 related to asbestos
           and other environmental matters ("A&E").
      (f)  Includes holding company expenses.


                                      F-12
<PAGE>

                AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

D.    INVESTMENTS  Fixed maturities and other stocks at December 31 consisted
      of the following (in millions):
<TABLE>
<CAPTION>
                                                             2002                                            2001
                                      -------------------------------------------     --------------------------------------------
                                      Amortized      Market     Gross  Unrealized     Amortized      Market      Gross  Unrealized
                                                                -----------------                                -----------------
                                           Cost       Value      Gains     Losses          Cost       Value      Gains      Losses
                                      ---------       -----      -----     ------     ---------      ------      ------     ------
<S>                                  <C>          <C>          <C>        <C>        <C>          <C>          <C>        <C>
      Fixed maturities:
        United States Government
         and government agencies
         and authorities              $ 1,353.6   $ 1,402.0     $ 49.5    ($  1.1)    $ 1,000.1   $ 1,017.8     $ 21.7    ($  4.0)
        States, municipalities and
         political subdivisions           584.4       615.2       36.4       (5.6)        405.6       414.9       16.2       (6.9)
        Foreign government                163.3       169.9        6.6         -          105.5       108.8        3.5        (.2)
        Public utilities                1,038.9     1,058.3       43.4      (24.0)        772.0       778.8       14.4       (7.6)
        Mortgage-backed securities      3,106.6     3,232.1      134.6       (9.1)      2,632.9     2,702.5       89.5      (19.9)
        All other corporate             5,241.8     5,462.7      312.0      (91.1)      5,616.7     5,673.5      160.1     (103.3)
        Redeemable preferred stocks        61.1        66.7        7.8       (2.2)         60.5        52.3         .8       (9.0)
                                      ---------   ---------     ------     ------     ---------   ---------     ------     ------


                                      $11,549.7   $12,006.9     $590.3    ($133.1)    $10,593.3   $10,748.6     $306.2    ($150.9)
                                      =========   =========     ======     ======     =========   =========     ======     ======


      Other stocks                    $   174.6   $   300.4     $130.5    ($  4.7)    $   187.8   $   313.7     $135.7    ($  9.8)
                                      =========   =========     ======     ======     =========   =========     ======     ======
</TABLE>
      The table below sets forth the scheduled maturities of fixed maturities
      based on market value as of December 31, 2002. Asset-backed securities and
      other securities with sinking funds are reported at average maturity. Data
      based on amortized cost is generally the same. Actual maturities may
      differ from contractual maturities because certain securities may be
      called or prepaid by the issuers. Mortgage-backed securities had an
      average life of approximately five years at December 31, 2002.

                    MATURITY
                    -----------------------
                    One year or less                           6%
                    After one year through five years         23
                    After five years through ten years        33
                    After ten years                           11
                                                             ---
                                                              73
                    Mortgage-backed securities                27
                                                             ---
                                                             100%
                                                             ===
<PAGE>
      Certain risks are inherent in connection with fixed maturity securities,
      including loss upon default, price volatility in reaction to changes in
      interest rates, and general market factors and risks associated with
      reinvestment of proceeds due to prepayments or redemptions in a period of
      declining interest rates.

      The only investment which exceeds 10% of Shareholders' Equity is an equity
      investment in Provident Financial Group, Inc., having a market value of
      $189 million and $191 million at December 31, 2002 and 2001, respectively.

      Realized gains (losses) and changes in unrealized appreciation
      (depreciation) on fixed maturity and equity security investments are
      summarized as follows (in thousands):
<TABLE>
<CAPTION>
                                          Fixed         Equity           Tax
                                     Maturities     Securities       Effects            Total
                                     ----------     ----------     ---------        ---------
<S>                               <C>              <C>          <C>             <C>
         2002
         ----
         Realized                     ($ 61,225)      ($17,854)     $ 27,633        ($ 51,446)
         Change in Unrealized           301,900           (100)     (103,800)         198,000

         2001
         ----
         Realized                       (15,315)        (8,825)        8,451          (15,689)
         Change in Unrealized           139,000        (84,500)      (19,200)          35,300

         2000
         ----
         Realized                       (24,186)        (2,395)        9,303          (17,278)
         Change in Unrealized           255,200         29,900       (98,200)         186,900
</TABLE>
                                     F-13
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

      Gross gains and losses on fixed maturity investment transactions included
      in the Statement of Cash Flows consisted of the following (in millions):

                                           2002       2001       2000
                                           ----       ----       ----
                  Gross Gains            $155.3     $108.9      $15.9
                  Gross Losses          ($216.5)   ($124.2)    ($40.1)

E.    GOODWILL AND OTHER INTANGIBLES  Effective January 1, 2002, goodwill is no
      longer amortized but is subject to annual impairment testing under a two
      step process.  Under the first step, an entity's net assets are classified
      by reporting units and compared to their fair value.  Fair value was
      estimated based primarily on the present value of expected future cash
      flows.  If the carrying amount of a reporting unit exceeds its fair value,
      the second step of the goodwill impairment test is performed to measure
      the amount of impairment loss, if any.  In the second quarter of 2002,
      AFG completed the first step of its transitional impairment test and
      identified potential impairment of goodwill in its annuities and life
      insurance segment and the personal lines segment of its property and
      casualty insurance business.  The second step of the impairment test,
      measuring the amount of impairment loss, was completed in the fourth
      quarter with a resulting $40.4 million ($.59 per share, basic and
      diluted) impairment charge reported by restating first quarter 2002
      results for the cumulative effect of a change in accounting principle.
      The impairment charge for the annuities and life insurance segment was
      related to a decrease in estimated future earnings based upon lower
      forecasted new business sales over the next few years.  The impairment
      charge for the personal lines segment related primarily to planned future
      reductions in new business volume written through the direct channel.

      If the goodwill amortization of $13.7 million ($.20 per share, basic and
      diluted) and $16.4 million ($.28 per share, basic and diluted) in the
      years 2001 and 2000, respectively, had not been expensed, net losses for
      the periods would have been $1.2 million ($.02 per share) and $39.7
      million ($.67 per share).

      Changes in the carrying value of goodwill during 2002, by reporting
      segment, are presented in the following table (in thousands):
<TABLE>
<CAPTION>
                                         Property and Casualty      Annuities
                                        ----------------------
                                        Specialty     Personal       and Life        Total
                                        ---------     --------      ---------     --------
<S>                                   <C>          <C>            <C>         <C>

     Balance December 31, 2001           $150,999     $117,391        $40,404     $308,794
     Goodwill from acquisitions              -            -             1,461        1,461
     Transitional impairment charge          -         (39,600)       (21,184)     (60,784)
     Other                                   (788)        -              -            (788)
                                         --------     --------        -------     --------
     Balance December 31, 2002           $150,211     $ 77,791        $20,681     $248,683
                                         ========     ========        =======     ========
</TABLE>
<PAGE>
     Included in deferred acquisition costs in AFG's Balance Sheet are $66.8
     million and $71.2 million at December 31, 2002 and 2001, respectively,
     representing the present value of future profits ("PVFP") related to
     acquisitions by AFG's annuity and life business. The PVFP amounts are net
     of $57.3 million and $45.5 million of accumulated amortization.
     Amortization of the PVFP was $11.8 million in 2002, $9.2 million in 2001
     and $10.7 million in 2000. During each of the next five years, the PVFP is
     expected to decrease at a rate of approximately 13% of the balance at the
     beginning of each respective year.







                                      F-14
<PAGE>


                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

F.   LONG-TERM DEBT  Long-term debt consisted of the following at
     December 31, (in thousands):
                                                             2002          2001
                                                             ----          ----
     HOLDING COMPANIES:
       AFG 7-1/8% Senior Debentures due April 2009,
         less discount of $1,552 and $1,742
         (imputed rate - 7.2%)                           $301,298      $301,108
       AFG 7-1/8% Senior Debentures due December 2007      79,600        79,600
       AFC notes payable under bank line                  248,000       203,000
       American Premier Underwriters, Inc. ("APU")
         10-7/8% Subordinated Notes due May 2011,
         including premium of $777 and $836
         (imputed rate - 9.6%)                             11,498        11,557
       Other                                                8,014        13,695
                                                         --------      --------

                                                         $648,410      $608,960
                                                         ========      ========
     SUBSIDIARIES:
       GAFRI 6-7/8% Senior Notes due June 2008           $100,000      $100,000
       GAFRI notes payable under bank line                148,600       121,100
       Notes payable secured by real estate                35,610        36,253
       Other                                               12,561        13,399
                                                         --------      --------

                                                         $296,771      $270,752
                                                         ========      ========


      At December 31, 2002, sinking fund and other scheduled principal payments
      on debt for the subsequent five years were as follows (in millions):

                         Holding
                       Companies     Subsidiaries         Total
                       ---------     ------------        ------
           2003           $ 78.0           $  2.1        $ 80.1
           2004               -             150.8         150.8
           2005            170.0             11.3         181.3
           2006               -              19.6          19.6
           2007             84.7               .2          84.9

      In November 2002, AFC replaced its $300 million bank credit line with a
      new bank credit agreement. Currently, AFC may borrow up to $280 million
      under the new agreement; the line may be expanded to $300 million through
      the end of 2003. The new line consists of two facilities: a 364-day
      revolving facility, extendable annually, for one-third of the total line
      and a three-year revolving facility for the remaining two-thirds. Amounts
      borrowed bear interest at rates ranging from 1.25% to 2.25% over LIBOR
      based on AFG's credit rating. In addition, GAFRI has an unsecured credit
      agreement under which it can borrow up to $155 million at floating rates
      based on prime or Eurodollar rates through December 2004.
<PAGE>
      Cash interest payments of $47 million, $51 million and $56 million were
      made on long-term debt in 2002, 2001 and 2000, respectively. Interest
      expense in the Statement of Operations includes interest credited on funds
      held by AFG's insurance subsidiaries under reinsurance contracts and other
      similar agreements as follows: 2002 - $11.7 million; 2001 - $7.1 million;
      and 2000 - $9.5 million.













                                      F-15
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

G.    MINORITY INTEREST  Minority interest in AFG's balance sheet is comprised
      of the following (in thousands):
                                                          2002         2001
                                                          ----         ----
          Interest of noncontrolling shareholders
            in subsidiaries' common stock             $157,207     $140,913
          Preferred securities issued by
            subsidiary trusts                          241,663      241,663
          AFC preferred stock                           72,154       72,154
                                                      --------     --------
                                                      $471,024     $454,730
                                                      ========     ========
      PREFERRED SECURITIES Wholly-owned subsidiary trusts of AFG and GAFRI have
      issued preferred securities and, in turn, purchased a like amount of
      subordinated debt which provides interest and principal payments to fund
      the respective trusts' obligations. The preferred securities must be
      redeemed upon maturity or redemption of the subordinated debt. AFG and
      GAFRI effectively provide unconditional guarantees of their respective
      trusts' obligations.

      The preferred securities consisted of the following (in thousands):
<TABLE>
<CAPTION>
          Date of                                                                     Optional
          Issuance              Issue (Maturity Date)             2002        2001    Redemption Dates
          -------------         ------------------------          ----        ----    --------------------
<S>    <C>                  <C>                             <C>         <C>        <C>
          October 1996          AFCH 9-1/8% TOPrS (2026)       $98,750     $98,750    Currently redeemable
          November 1996         GAFRI 9-1/4% TOPrS (2026)       72,913      72,913    Currently redeemable
          March 1997            GAFRI 8-7/8% Pfd   (2027)       70,000      70,000    On or after 3/1/2007
</TABLE>
      AFC PREFERRED STOCK AFC's Preferred Stock is voting, cumulative, and
      consists of the following:

             SERIES J, no par value; $25.00 liquidating value per share; annual
             dividends per share $2.00; redeemable at AFC's option at $25.75 per
             share beginning December 2005 declining to $25.00 at December 2007
             and thereafter; 2,886,161 shares (stated value $72.2 million)
             outstanding at December 31, 2002 and 2001.

      MINORITY INTEREST EXPENSE Minority interest expense is comprised of
      (in thousands):
                                                   2002        2001        2000
                                                   ----        ----        ----
      Interest of noncontrolling shareholders
        in earnings of subsidiaries             $ 6,096     $11,366     $11,775
      Accrued distributions by subsidiaries
        on preferred securities:
          Trust issued securities, net of tax    14,281      16,932      17,819
          AFC preferred stock                     5,772       5,772       5,772
                                                -------     -------     -------
                                                $26,149     $34,070     $35,366
                                                =======     =======     =======
                                      F-16
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

H.    SHAREHOLDERS' EQUITY At December 31, 2002, there were 69,129,352 shares of
      AFG Common Stock outstanding, including 1,361,867 shares held by American
      Premier for possible distribution to certain creditors and other claimants
      upon proper claim presentation and settlement pursuant to the 1978 plan of
      reorganization of American Premier's predecessor, The Penn Central
      Corporation. Shares being held for distribution are not eligible to vote
      but otherwise are accounted for as issued and outstanding. In December
      2000, AFG issued 8.3 million Common Shares at $19.625 per share in a
      public offering. AFG is authorized to issue 12.5 million shares of Voting
      Preferred Stock and 12.5 million shares of Nonvoting Preferred Stock, each
      without par value.

      STOCK OPTIONS At December 31, 2002, there were 9.7 million shares of AFG
      Common Stock reserved for issuance under AFG's Stock Option Plan. Options
      are granted with an exercise price equal to the market price of AFG Common
      Stock at the date of grant. Options generally become exercisable at the
      rate of 20% per year commencing one year after grant; those granted to
      nonemployee directors of AFG are fully exercisable upon grant. Options
      generally expire ten years after the date of grant. Data for AFG's Stock
      Option Plan is presented below:
<TABLE>
<CAPTION>
                                                            2002                        2001                        2000
                                                  -----------------------      ----------------------      ----------------------
                                                                  Average                     Average                     Average
                                                                 Exercise                    Exercise                    Exercise
                                                      Shares        Price         Shares        Price         Shares        Price
                                                   ---------     --------      ---------     --------      ---------     --------
<S>                                            <C>             <C>         <C>             <C>         <C>           <C>
     Outstanding at beginning of year              6,089,131       $27.91      6,452,496       $27.86      4,664,108       $31.28

       Granted                                     1,056,750       $25.78         20,500       $26.22      1,997,000       $19.81
       Exercised                                     (28,837)      $20.80        (65,335)      $21.39        (68,523)      $18.22
       Forfeited                                    (134,482)      $29.41       (318,530)      $28.16       (140,089)      $31.65
                                                   ---------                   ---------                   ---------
     Outstanding at end of year                    6,982,562       $27.58      6,089,131       $27.91      6,452,496       $27.86
                                                   =========                   =========                   =========

     Options exercisable at year-end               4,560,210       $29.01      3,818,305       $29.23      3,226,294       $29.38
                                                   =========                   =========                   =========

     Options available for grant at
       year-end                                    2,710,975                   3,633,243                     335,213
                                                   =========                   =========                     =======
</TABLE>
      The following table summarizes information about stock options outstanding
      at December 31, 2002:
<PAGE>
<TABLE>
<CAPTION>
                                                Options Outstanding                  Options Exercisable
                                       ------------------------------------        ----------------------
                                                     Average        Average                       Average
                                                    Exercise      Remaining                      Exercise
                                          Shares       Price           Life           Shares        Price
                                       ---------    --------      ---------        ---------     --------
<S>        <C>                     <C>           <C>          <C>              <C>             <C>
              $18.56 - $20.00          1,781,491      $19.79      7.6 years          751,591       $19.79
              $20.01 - $25.00          1,177,725      $23.97      2.3   "          1,177,725       $23.97
              $25.01 - $30.00          1,359,520      $26.06      7.6   "            328,770       $26.84
              $30.01 - $35.00            916,750      $30.36      3.1   "            912,000       $30.34
              $35.01 - $40.00          1,468,576      $36.81      5.3   "          1,165,024       $37.04
              $40.01 - $45.19            278,500      $42.41      5.2   "            225,100       $42.43
</TABLE>

      No compensation cost has been recognized for stock option grants. The
      weighted-average fair value per option granted was $8.52, $8.18 and $5.38
      in 2002, 2001 and 2000, respectively. For SFAS No. 123 purposes,
      calculations were determined using the Black-Scholes option pricing model
      and the following weighted-average assumptions: dividend yield of 2% for
      2002 and 2001 and 3% for 2000; expected volatility of 30% for 2002, 27%
      for 2001 and 24% for 2000; weighted average risk-free interest rate of
      4.9% for 2002, 5.3% for 2001 and 6% for 2000; and expected life of 7.4
      years for 2002, 2001 and 2000.

                                  F-17
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

      UNREALIZED GAIN (LOSS) ON MARKETABLE SECURITIES, NET The change in
      unrealized gain (loss) on marketable securities included the following (in
      millions):
<TABLE>
<CAPTION>
                                                                          Tax       Minority
                                                        Pretax        Effects       Interest            Net
                                                        ------        -------       --------           -----
<S>                                                 <C>             <C>            <C>           <C>
                         2002
      ------------------------------------------
      Unrealized holding gains on
        securities arising during the period            $195.7         ($66.6)        ($11.8)         $117.3
      Realized losses included in net income              79.1          (27.7)          (4.1)           47.3
                                                        ------          -----          -----          ------
      Change in unrealized gain on marketable
        securities, net                                 $274.8         ($94.3)        ($15.9)         $164.6
                                                        ======          =====          =====          ======

                        2001
      ------------------------------------------
      Unrealized holding gains (losses) on
        securities arising during the period            $  0.8         ($ 0.3)        ($ 4.1)        ($  3.6)
      Adoption of EITF 99-20                              16.9           (6.0)          (0.9)           10.0
      Realized losses included in net income and
        unrealized gains of subsidiary sold               23.6           (8.3)          (3.0)           12.3
                                                        ------          -----          -----          ------
      Change in unrealized gain on marketable
        securities, net                                 $ 41.3         ($14.6)        ($ 8.0)         $ 18.7
                                                        ======          =====          =====          ======

                         2000
      ------------------------------------------
      Unrealized holding gains on
        securities arising during the period            $221.1         ($75.8)        ($14.5)         $130.8
      Adoption of SFAS No. 133                            15.0           (5.3)           -               9.7
      Realized gains included in net income and
        unrealized losses of subsidiary sold              31.3          (10.9)          (2.1)           18.3
                                                        ------          -----          -----          ------
      Change in unrealized gain on marketable
        securities, net                                 $267.4         ($92.0)        ($16.6)         $158.8
                                                        ======          =====          =====          ======
</TABLE>
<PAGE>
I.    INCOME TAXES  The following is a reconciliation of income taxes at the
      statutory rate of 35% and income taxes as shown in the Statement of
      Operations (in thousands):
<TABLE>
<CAPTION>
                                                            2002           2001            2000
                                                            ----           ----            ----
<S>                                                 <C>             <C>            <C>
        Earnings (loss) before income taxes:
          Operating                                     $178,019        $55,898        $109,893
          Minority interest expense                      (33,839)       (43,187)        (44,961)
          Equity in net losses of investees              (13,830)       (25,462)       (142,230)
          Accounting changes                             (57,716)       (15,948)        (13,882)
                                                        --------        -------        --------

        Total                                           $ 72,634       ($28,699)      ($ 91,180)
                                                        ========        =======        ========

        Income taxes at statutory rate                  $ 25,422       ($10,045)      ($ 31,913)
        Effect of:
          Adjustment to prior year taxes                 (33,192)        (6,317)           -
          Effect of foreign operations                    (4,212)        (3,421)            951
          Amortization and writeoff of intangibles         3,711          4,526           5,495
          Losses utilized                                 (3,300)        (1,245)         (7,000)
          Minority interest                                3,058          5,672           6,187
          Dividends received deduction                    (2,313)        (2,317)         (2,378)
          Tax exempt interest                             (1,367)        (1,233)         (1,571)
          Nondeductible meals, etc.                          992          1,381           1,300
          State income taxes                                 153            781             298
          Tax credits                                       -            (1,243)         (5,757)
          Other                                             (958)          (398)           (757)
                                                        --------        -------         -------
        Total Provision (Credit)                         (12,006)       (13,859)        (35,145)

        Amounts applicable to:
          Minority interest expense                        7,690          9,117           9,595
          Equity in net losses of investees                4,840          8,912          49,781
          Accounting changes                              17,356          5,908           4,810
                                                        --------        -------        --------
        Provision for income taxes as shown
          on the Statement of Operations                $ 17,880        $10,078        $ 29,041
                                                        ========        =======        ========
</TABLE>
                                  F-18
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

      Total earnings before income taxes include income subject to tax in
      foreign jurisdictions of $17.8 million in 2002, $8.3 million in 2001 and
      $10.6 million in 2000.

      The total income tax provision (credit) consists of (in thousands):

                                      2002          2001           2000
                                      ----          ----           ----
             Current taxes:
               Federal             $17,535       $44,715        $13,880
               Foreign               2,293          -             1,106
               State                   236         1,201            459
             Deferred taxes:
               Federal             (33,762)      (59,042)       (50,070)
               Foreign               1,692          (733)          (520)
                                   -------       -------        -------
                                  ($12,006)     ($13,859)      ($35,145)
                                   =======       =======        =======

      For income tax purposes, AFG and certain members of the AFC consolidated
      tax group had the following carryforwards available at December 31, 2002
      (in millions):
                                         Expiring            Amount
                                        -----------          ------
                                  {     2003 - 2007            $ 11
             Operating Loss       {     2008 - 2017               -
                                  {     2018 - 2022             189
             Other - Tax Credits                                 11
<PAGE>
      Deferred income tax assets and liabilities reflect temporary differences
      between the carrying amounts of assets and liabilities recognized for
      financial reporting purposes and the amounts recognized for tax purposes.
      The significant components of deferred tax assets and liabilities included
      in the Balance Sheet at December 31, were as follows (in millions):

                                                         2002       2001
                                                         ----       ----
           Deferred tax assets:
             Net operating loss carryforwards          $ 70.4     $ 94.2
             Insurance claims and reserves              278.6      268.2
             Other, net                                 108.8       96.4
                                                       ------     ------
                                                        457.8      458.8
             Valuation allowance for deferred
               tax assets                               (34.9)     (40.9)
                                                       ------     ------
                                                        422.9      417.9
           Deferred tax liabilities:
             Deferred acquisition costs                (242.6)    (231.5)
             Investment securities                     (188.3)    (109.0)
                                                       ------     ------
                                                       (430.9)    (340.5)
                                                       ------     ------
           Net deferred tax asset (liability)         ($  8.0)    $ 77.4
                                                       ======     ======

      The gross deferred tax asset has been reduced by a valuation allowance
      based on an analysis of the likelihood of realization. Factors considered
      in assessing the need for a valuation allowance include: (i) recent tax
      returns, which show neither a history of large amounts of taxable income
      nor cumulative losses in recent years, (ii) opportunities to generate
      taxable income from sales of appreciated assets, and (iii) the likelihood
      of generating larger amounts of taxable income in the future. The
      likelihood of realizing this asset will be reviewed periodically; any
      adjustments required to the valuation allowance will be made in the period
      in which the developments on which they are based become known.

      Cash payments for income taxes, net of refunds, were $30.0 million, $6.6
      million and $27.8 million for 2002, 2001 and 2000, respectively.

                                      F-19
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

J.    EQUITY IN LOSSES OF INVESTEES In addition to the start-up manufacturing
      operations discussed in Note B, and prior to Chiquita's March 2002
      restructuring, AFG owned 24 million shares (31% as of December 31, 2001)
      of Chiquita common stock. Chiquita is a leading international marketer,
      producer and distributor of quality fresh fruits and vegetables and
      processed foods.

      In January 2001, Chiquita announced a restructuring initiative that
      included discontinuing all interest and principal payments on its public
      debt. Due to the expected restructuring, AFG recorded a fourth quarter
      2000 pretax charge of $95.7 million to write down its investment in
      Chiquita to quoted market value at December 31, 2000. In 2001, AFG
      suspended accounting for the investment under the equity method and
      reclassified the investment to "Other stocks". In the third quarter of
      2001, AFG wrote down its investment in Chiquita by an additional $8
      million (to $.67 per share). In March 2002, the court approved Chiquita's
      plan of reorganization under Chapter 11 of the U.S. Bankruptcy Code. Under
      the plan, over $700 million in principal and accrued interest related to
      Chiquita's public debt was converted into common equity. As a result of
      the restructuring, AFG received approximately 171,000 "new" shares (less
      than one-half of 1%) in the reorganized company plus warrants expiring in
      2009 to purchase an additional 2.9 million shares at $19.23 per share. All
      of the shares and approximately 4% of the warrants have been sold.

      For the year ended December 31, 2000, Chiquita reported net sales of $2.25
      billion, operating income of $27 million, a net loss of $95 million, and a
      net loss attributable to common shares of $112 million.

K.    COMMITMENTS AND CONTINGENCIES Loss accruals (included in other
      liabilities) have been recorded for various environmental and occupational
      injury and disease claims and other contingencies arising out of the
      railroad operations disposed of by American Premier's predecessor, Penn
      Central Transportation Company ("PCTC"), prior to its bankruptcy
      reorganization in 1978 and certain manufacturing operations disposed of by
      American Premier.

      At December 31, 2002, American Premier had liabilities for environmental
      and personal injury claims aggregating $66.4 million. The environmental
      claims consist of a number of proceedings and claims seeking to impose
      responsibility for hazardous waste remediation costs related to certain
      sites formerly owned or operated by the railroad and manufacturing
      operations. Remediation costs are difficult to estimate for a number of
      reasons, including the number and financial resources of other potentially
      responsible parties, the range of costs for remediation alternatives,
      changing technology and the time period over which these matters develop.
      The personal injury claims include pending and expected claims, primarily
      by former employees of PCTC, for injury or disease allegedly caused by
      exposure to excessive noise, asbestos or other substances in the
      workplace. In December 2001, American Premier recorded a $12.1 million
      charge to increase its environmental reserves due to an increase in
      expected ultimate claim costs. At December 31, 2002, American Premier had
      $46.4 million of offsetting recovery assets (included in other assets) for
      such environmental and personal injury claims based upon estimates of
      probable recoveries from insurance carriers.
<PAGE>
      AFG has accrued approximately $7 million at December 31, 2002, for
      environmental costs and certain other matters associated with the sales of
      former operations.

      AFG's insurance subsidiaries continue to receive claims related to
      environmental exposures, asbestos and other mass tort claims. Establishing
      reserves for these claims is subject to uncertainties that are
      significantly greater than those presented by other types of claims. The
      liability for asbestos and environmental reserves at December 31, 2002 and
      2001, respectively, was $572 million and $548 million; related
      recoverables from reinsurers (net of allowances for doubtful accounts) at
      those dates were $105 million and $101 million, respectively.




                                      F-20
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

      While management believes AFG has recorded adequate reserves for the items
      discussed in this note, the outcome is uncertain and could result in
      liabilities exceeding amounts AFG has currently recorded. Additional
      amounts could have a material adverse effect on AFG's future results of
      operations and financial condition.

L.    QUARTERLY OPERATING RESULTS (UNAUDITED) The operations of certain of AFG's
      business segments are seasonal in nature. While insurance premiums are
      recognized on a relatively level basis, claim losses related to adverse
      weather (snow, hail, hurricanes, tornadoes, etc.) may be seasonal.
      Quarterly results necessarily rely heavily on estimates. These estimates
      and certain other factors, such as the nature of investees' operations and
      discretionary sales of assets, cause the quarterly results not to be
      necessarily indicative of results for longer periods of time.

      The following are quarterly results of consolidated operations for the two
      years ended December 31, 2002 (in millions, except per share amounts).
<TABLE>
<CAPTION>
                                                                 1st          2nd           3rd          4th         Total
                                                             Quarter      Quarter       Quarter      Quarter          Year
                                                             -------      -------       -------      -------      --------
<S>                                                       <C>          <C>           <C>          <C>          <C>
                        2002
      ------------------------------------------------
      Revenues                                                 $925.1       $918.7        $943.4       $962.4      $3,749.6
      Earnings (loss) before accounting change                   41.8         12.1          26.9         44.2         125.0
      Cumulative effect of accounting change                    (40.4)         -             -            -           (40.4)
      Net earnings (loss)                                         1.4         12.1          26.9         44.2          84.6

      Basic earnings (loss) per common share:
        Before accounting change                                 $.61         $.18          $.39         $.64         $1.82
        Cumulative effect of accounting change                   (.59)         -             -            -            (.59)
        Net earnings (loss) available to Common Shares           $.02         $.18          $.39         $.64         $1.23

      Diluted earnings (loss) per common share:
        Before accounting change                                 $.61         $.17          $.39         $.64         $1.81
        Cumulative effect of accounting change                   (.59)         -             -            -            (.59)
        Net earnings (loss) available to Common Shares           $.02         $.17          $.39         $.64         $1.22

      Average number of Common Shares:
        Basic                                                    68.6         68.7          68.9         69.0          68.8
        Diluted                                                  69.0         69.4          69.2         69.3          69.2

<PAGE>
                        2001
      ------------------------------------------------
      Revenues                                                 $972.3       $993.2      $1,014.8       $943.3      $3,923.6
      Earnings (loss) before accounting change                   13.1          6.3         (55.7)        31.5          (4.8)
      Cumulative effect of accounting change                      -          (10.0)          -            -           (10.0)
      Net earnings (loss)                                        13.1         (3.7)        (55.7)        31.5         (14.8)

      Basic earnings (loss) per common share:
        Before accounting change                                 $.19         $.09         ($.82)        $.46         ($.07)
        Cumulative effect of accounting change                    -           (.15)          -            -            (.15)
        Net earnings (loss) available to Common Shares           $.19        ($.06)        ($.82)        $.46         ($.22)

      Diluted earnings (loss) per common share:
        Before accounting change                                 $.19         $.09         ($.81)        $.46         ($.07)
        Cumulative effect of accounting change                    -           (.15)          -            -            (.15)
        Net earnings (loss) available to Common Shares           $.19        ($.06)        ($.81)        $.46         ($.22)

      Average number of Common Shares:
        Basic                                                    67.5         67.9          68.0         68.3          67.9
        Diluted                                                  67.9         68.5          68.5         68.6          68.4
</TABLE>
      Quarterly earnings per share do not add to year-to-date amounts due to
      changes in shares outstanding.

      Results for 2002 include a $16 million tax benefit in the first quarter
      and a $15 million tax benefit in the fourth quarter resulting from the
      reduction of previously accrued amounts due to the resolution of certain
      tax matters. Fourth quarter 2002 results also include a $30 million charge
      related to the settlement of asbestos-related litigation.




                                      F-21
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

      The results for 2001 include goodwill amortization of approximately $3.4
      million per quarter.

      The 2001 third quarter results include a $100 million pretax charge to
      strengthen asbestos and environmental insurance reserves and pretax losses
      of $25 million resulting from the World Trade Center terrorist attack.

      AFG has realized gains (losses) on sales of subsidiaries in recent years
      (see Note B). Realized gains (losses) on securities, affiliates and other
      investments amounted to (in millions):

                      1st         2nd        3rd        4th         Total
                  Quarter     Quarter    Quarter    Quarter          Year
                  -------     -------    -------    -------        ------
           2002    ($17.8)     ($47.6)    ($24.6)      $9.4        ($80.6)
           2001      (8.5)      (26.4)       7.0        3.9         (24.0)

M.    INSURANCE  Securities owned by insurance subsidiaries having a
      carrying value of just over $1 billion at December 31, 2002, were on
      deposit as required by regulatory authorities.

      INSURANCE RESERVES The liability for losses and loss adjustment expenses
      for certain long-term scheduled payments under workers' compensation, auto
      liability and other liability insurance has been discounted at about 8%,
      an approximation of long-term investment yields. As a result, the total
      liability for losses and loss adjustment expenses at December 31, 2002,
      has been reduced by $25 million.
<PAGE>
      The following table provides an analysis of changes in the liability for
      losses and loss adjustment expenses, net of reinsurance (and grossed up),
      over the past three years on a GAAP basis (in millions). Adverse
      development recorded in 2002 and 2001 in prior year reserves related
      primarily to charges for asbestos and certain Specialty lines in run-off.
<TABLE>
<CAPTION>
                                                       2002          2001           2000
                                                       ----          ----           ----
<S>                                               <C>           <C>           <C>
        Balance at beginning of period               $3,253        $3,192         $3,224

        Provision for losses and LAE occurring
          in the current year                         1,664         1,950          2,056
        Net increase (decrease) in provision for
          claims of prior years                         171           163            (60)
                                                     ------        ------         ------
             Total losses and LAE incurred (*)        1,835         2,113          1,996
        Payments for losses and LAE of:
          Current year                                 (594)         (831)          (905)
          Prior years                                (1,094)       (1,036)          (936)
                                                     ------        ------         ------
             Total payments                          (1,688)       (1,867)        (1,841)

        Reserves of businesses sold                    -             (120)          (187)
        Reclass to unearned premiums                   -              (65)          -
                                                     ------        ------         ------

        Balance at end of period                     $3,400        $3,253         $3,192
                                                     ======        ======         ======

        Add back reinsurance recoverables, net
          of allowance                                1,804         1,525          1,324
                                                     ------        ------         ------

        Gross unpaid losses and LAE included
          in the Balance Sheet                       $5,204        $4,778         $4,516
                                                     ======        ======         ======
</TABLE>
        (*)  Before amortization of deferred gains on retroactive reinsurance of
             $20 million in 2002, $33 million in 2001 and $34 million in 2000.



                                      F-22
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

      NET INVESTMENT INCOME The following table shows (in millions) investment
      income earned and investment expenses incurred by AFG's insurance
      companies.

                                                  2002        2001         2000
                                                  ----        ----         ----
      Insurance group investment income:
        Fixed maturities                        $850.9      $841.0       $815.5
        Equity securities                          9.6         8.1         10.4
        Other                                       .6         1.1          4.3
                                                ------      ------       ------
                                                 861.1       850.2        830.2
      Insurance group investment expenses (*)    (40.4)      (36.8)       (41.4)
                                                ------      ------       ------

                                                $820.7      $813.4       $788.8
                                                ======      ======       ======

      (*)  Included primarily in "Other operating and general expenses" in the
           Statement of Operations.

      STATUTORY INFORMATION AFG's insurance subsidiaries are required to file
      financial statements with state insurance regulatory authorities prepared
      on an accounting basis prescribed or permitted by such authorities
      (statutory basis). Net earnings and policyholders' surplus on a statutory
      basis for the insurance subsidiaries were as follows (in millions):
<TABLE>
<CAPTION>
                                                                             Policyholders'
                                              Net Earnings (Loss)               Surplus
                                         ---------------------------      -------------------
                                         2002       2001        2000        2002         2001
                                         ----       ----        ----        ----         ----
<S>                                  <C>         <C>         <C>      <C>          <C>
      Property and casualty companies    $116        $34         $10      $1,742       $1,669
      Life insurance companies            (24)       (25)         40         445          414
</TABLE>
<PAGE>
      REINSURANCE In the normal course of business, AFG's insurance subsidiaries
      cede reinsurance to other companies to diversify risk and limit maximum
      loss arising from large claims. To the extent that any reinsuring
      companies are unable to meet obligations under agreements covering
      reinsurance ceded, AFG's insurance subsidiaries would remain liable. The
      following table shows (in millions) (i) amounts deducted from property and
      casualty written and earned premiums in connection with reinsurance ceded,
      (ii) written and earned premiums included in income for reinsurance
      assumed and (iii) reinsurance recoveries deducted from losses and loss
      adjustment expenses.

                                              2002         2001         2000
                                              ----         ----         ----
             Direct premiums written        $4,027       $3,573       $3,365
             Reinsurance assumed                80           94           76
             Reinsurance ceded              (1,693)      (1,114)        (803)
                                            ------       ------       -- ----

             Net written premiums           $2,414       $2,553 (*)   $2,638
                                            ======       ======       ======

             Direct premiums earned         $3,798       $3,393       $3,306
             Reinsurance assumed                91           92           45
             Reinsurance ceded              (1,486)        (891)        (856)
                                            ------       ------       ------

             Net earned premiums            $2,403       $2,594       $2,495
                                            ======       ======       ======

             Reinsurance recoveries         $1,142       $  773       $  567
                                            ======       ======       ======

             (*)  Net of $29.7 million unearned premium transfer related to the
                  sale of the Japanese division.



                                      F-23
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

N.    ADDITIONAL INFORMATION Total rental expense for various leases of office
      space and equipment was $52 million, $53 million and $44 million for 2002,
      2001 and 2000, respectively. Sublease rental income related to these
      leases totaled $612,000 in 2002, $2.4 million in 2001 and $2.5 million in
      2000.

      Future minimum rentals, related principally to office space, required
      under operating leases having initial or remaining noncancelable lease
      terms in excess of one year at December 31, 2002, were as follows: 2003 -
      $57 million; 2004 - $50 million; 2005 - $35 million; 2006 - $26 million;
      2007 - $17 million and $33 million thereafter. In addition, AFG has
      99-year land leases (approximately 94 years remaining) at one of its real
      estate properties. Minimum lease payments under these leases are expected
      to be approximately $180,000 in 2003 and are adjusted annually for
      inflation.

      Other operating and general expenses included charges for possible losses
      on agents' balances, other receivables and other assets in the following
      amounts: 2002 - $2.7 million; 2001 - $3.5 million; and 2000 - $9.7
      million. Losses and loss adjustment expenses included charges for possible
      losses on reinsurance recoverables of $6.6 million in 2002 and $11 million
      in 2001. The aggregate allowance for all such losses amounted to
      approximately $72 million and $67 million at December 31, 2002 and 2001,
      respectively.
<PAGE>
      UNREALIZED GAIN (LOSS) ON MARKETABLE SECURITIES, NET In addition to
      adjusting equity securities and fixed maturity securities classified as
      "available for sale" to fair value, SFAS 115 requires that certain other
      balance sheet amounts be adjusted to the extent that unrealized gains and
      losses from securities would result in adjustments had those gains or
      losses actually been realized. The components of the Consolidated Balance
      Sheet caption "Unrealized gain on marketable securities, net" in
      shareholders' equity are summarized as follows (in millions):

                                       Unadjusted                      Adjusted
                                            Asset     Effect of           Asset
                                      (Liability)      SFAS 115     (Liability)
                                      -----------     ---------     -----------
     2002
     ----
     Fixed maturities                   $11,549.7        $457.2       $12,006.9
     Other stocks                           174.6         125.8           300.4
     Deferred acquisition costs             873.1         (31.0)          842.1
     Annuity benefits accumulated        (6,444.7)         (9.2)       (6,453.9)
                                                         ------
       Pretax unrealized                                  542.8

     Deferred taxes                         179.5        (187.5)           (8.0)
     Minority interest                     (439.6)        (31.4)         (471.0)
                                                         ------

       Unrealized gain                                   $323.9
                                                         ======

     2001
     ----
     Fixed maturities                   $10,593.3        $155.3       $10,748.6
     Other stocks                           187.8         125.9           313.7
     Deferred acquisition costs             827.3          (9.0)          818.3
     Annuity benefits accumulated        (5,827.9)         (4.2)       (5,832.1)
                                                         ------
       Pretax unrealized                                  268.0

     Deferred taxes                         170.6         (93.2)           77.4
     Minority interest                     (439.2)        (15.5)         (454.7)
                                                         ------

       Unrealized gain                                   $159.3
                                                         ======



                                      F-24
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

     FAIR VALUE OF FINANCIAL INSTRUMENTS The following table presents (in
     millions) the carrying value and estimated fair value of AFG's financial
     instruments at December 31.
<TABLE>
<CAPTION>
                                             2002                          2001
                                   ----------------------        ------------------------
                                   Carrying          Fair        Carrying            Fair
                                      Value         Value           Value           Value
                                   --------       -------        --------         -------
<S>                             <C>            <C>            <C>             <C>
     ASSETS:
     Fixed maturities               $12,007       $12,007         $10,749         $10,749
     Other stocks                       300           300             314             314

     LIABILITIES:
     Annuity benefits
       accumulated                  $ 6,454       $ 6,284         $ 5,832         $ 5,659
     Long-term debt:
       Holding companies                648           624             609             587
       Subsidiaries                     297           287             271             264

     MINORITY INTEREST:
     Trust preferred securities     $   242       $   238         $   242         $   242
     AFC preferred stock                 72            54              72              61

     SHAREHOLDERS' EQUITY           $ 1,726       $ 1,595         $ 1,498         $ 1,681
</TABLE>

     When available, fair values are based on prices quoted in the most active
     market for each security. If quoted prices are not available, fair value
     is estimated based on present values, discounted cash flows, fair value of
     comparable securities, or similar methods. The fair value of the liability
     for annuities in the payout phase is assumed to be the present value of
     the anticipated cash flows, discounted at current interest rates. Fair
     value of annuities in the accumulation phase is assumed to be the
     policyholders' cash surrender amount. Fair value of shareholders' equity
     is based on the quoted market price of AFG's Common Stock.

     FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK On occasion, AFG and its
     subsidiaries have entered into financial instrument transactions which may
     present off-balance-sheet risks of both a credit and market risk nature.
     These transactions include commitments to fund loans, loan guarantees and
     commitments to purchase and sell securities or loans. At December 31,
     2002, AFG and its subsidiaries had commitments to fund credit facilities
     and contribute limited partnership capital totaling up to $18 million.
<PAGE>
     RESTRICTIONS ON TRANSFER OF FUNDS AND ASSETS OF SUBSIDIARIES Payments of
     dividends, loans and advances by AFG's subsidiaries are subject to various
     state laws, federal regulations and debt covenants which limit the amount
     of dividends, loans and advances that can be paid. Under applicable
     restrictions, the maximum amount of dividends available to AFG in 2003
     from its insurance subsidiaries without seeking regulatory clearance is
     approximately $24 million. Additional amounts of dividends, loans and
     advances require regulatory approval.

     BENEFIT PLANS AFG expensed approximately $20 million in 2002, $19 million
     in 2001 and $22 million in 2000 for its retirement and employee savings
     plans.

     TRANSACTIONS WITH AFFILIATES AFG purchased a $3.7 million minority
     interest in a residential homebuilding company from an unrelated party in
     1995. At that same time, a brother of AFG's chairman purchased a minority
     interest in the company for $825,000. In 2000, that brother and another
     brother of AFG's chairman acquired the remaining shares from the third
     parties. In addition, GAFRI had extended a line of credit to this company
     under which the homebuilder could borrow up to $8 million at 13%. At
     December 31, 2001, $6.4 million was due under the credit line. In
     September 2002, the homebuilding company was sold to an unrelated party
     for a gain of $9.3 million (included in realized gains on other
     investments) and GAFRI's line of credit was repaid and terminated.

                                      F-25
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

      In 2001, an AFG subsidiary purchased a 29% interest in an aircraft for
      $1.6 million (fair value as determined by independent third party) from a
      company owned by a brother of AFG's chairman. The remaining interests in
      the aircraft are owned by AFG's chairman and his two brothers. Costs of
      operating the aircraft are being borne proportionately.

      In September 2000, GAFRI's minority ownership in a company engaged in the
      production of ethanol was repurchased by that company for $7.5 million in
      cash and $21.9 million liquidation value of non-voting redeemable
      preferred stock. Following the repurchase, AFG's Chairman beneficially
      owns 100% of the ethanol company. In December 2000, the ethanol company
      retired $3 million of the preferred stock at liquidation value plus
      accrued dividends and issued an $18.9 million subordinated note in
      exchange for the remaining preferred stock. The subordinated note bears
      interest at 12-1/4% with scheduled repayments through 2005. During 2002
      and 2001, respectively, $1 million and $6 million of this note was repaid.
      The ethanol company also owes GAFRI $4.0 million under a subordinated note
      bearing interest at 14%. In addition, Great American has extended a $10
      million line of credit to this company; no amounts have been borrowed
      under the credit line.

O.    SUBSEQUENT EVENTS (UNAUDITED)

      INFINITY PROPERTY AND CASUALTY CORPORATION On December 31, 2002, AFG
      transferred to Infinity Property and Casualty Corporation ("Infinity", a
      newly formed subsidiary) the following subsidiaries involved primarily in
      the issuance of nonstandard auto policies: Atlanta Casualty Company,
      Infinity Insurance Company, Leader Insurance Company and Windsor Insurance
      Company. Effective January 1, 2003, Great American Insurance Company, an
      AFG subsidiary, transferred to Infinity its personal insurance business
      written through independent agents. In February 2003, AFG sold 61% of
      Infinity in a public offering. The businesses transferred generated
      aggregate net written premiums of approximately $690 million, $900 million
      and $1.2 billion for the years ended December 31, 2002, 2001, and 2000,
      respectively. AFG expects to realize a pretax loss of about $40 million on
      the sale in the first quarter of 2003. In addition, a substantial tax
      benefit related to AFG's book versus tax basis in Infinity stock may be
      available.

      DIRECT AUTOMOBILE INSURANCE BUSINESS In January 2003, AFG reached an
      agreement to sell two of its subsidiaries that market automobile insurance
      directly to customers. The transaction will include the transfer of Great
      American Insurance's right to renew certain of its personal automobile
      insurance business written on a direct basis in selected markets. Premiums
      generated by the businesses being sold were approximately $79 million in
      2002. AFG does not expect to report a significant gain or loss on the
      sale.





                                      F-26
<PAGE>

                                     PART IV

                                     ITEM 15

         EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K
         ---------------------------------------------------------------


(a) Documents filed as part of this Report:
        1.  Financial Statements are included in Part II, Item 8.

        2.  Financial Statement Schedules:
              A.  Selected Quarterly Financial Data is included in Note L to the
                  Consolidated Financial Statements.

              B. Schedules filed herewith for 2002, 2001 and 2000:
                                                                         Page
                                                                         ----
                   I - Condensed Financial Information of Registrant      S-2

                   V - Supplemental Information Concerning
                         Property-Casualty Insurance Operations           S-4

                  All other schedules for which provisions are made in the
                  applicable regulation of the Securities and Exchange
                  Commission have been omitted as they are not applicable, not
                  required, or the information required thereby is set forth in
                  the Financial Statements or the notes thereto.

        3.  Exhibits - see Exhibit Index on page E-1.

(b)  Report on Form 8-K:

       Date of Report       Item Reported
       --------------       -------------

       October 9, 2002      Registration Statement filed - Infinity Property
                            and Casualty Corporation (new subsidiary)

       February 19, 2003    Press Release - Fourth quarter and full year
                            2002 results; asbestos litigation settlement
















                                       S-1
<PAGE>

                AMERICAN FINANCIAL GROUP, INC. - PARENT ONLY (*)
           SCHEDULE I - CONDENSED FINANCIAL INFORMATION OF REGISTRANT
                                 (In Thousands)



                             CONDENSED BALANCE SHEET
                             -----------------------


                                                            December 31
                                                    ---------------------------
                                                          2002             2001
                                                          ----             ----
ASSETS:
  Cash and short-term investments                   $      306       $      529
  Receivables from affiliates                          308,563          359,582
  Investment in subsidiaries                         1,835,079        1,562,550
  Investment in securities                               1,312             -
  Other investments                                     32,500           36,244
  Other assets                                          37,758           28,970
                                                    ----------       ----------

                                                    $2,215,518       $1,987,875
                                                    ==========       ==========
LIABILITIES AND SHAREHOLDERS' EQUITY:
  Accounts payable, accrued expenses and other
    liabilities                                     $    4,967       $    4,983
  Payables to affiliates                               103,805          103,805
  Long-term debt                                       380,898          380,708
  Shareholders' equity                               1,725,848        1,498,379
                                                    ----------       ----------

                                                    $2,215,518       $1,987,875
                                                    ==========       ==========

<PAGE>

                        CONDENSED STATEMENT OF OPERATIONS
                        ---------------------------------

                                                    Year Ended December 31,
                                               --------------------------------
                                                   2002        2001        2000
                                                   ----        ----        ----
INCOME:
  Dividends from subsidiaries                  $    282     $   282     $   282
  Equity in undistributed earnings (losses)
    of subsidiaries                             156,598      10,863     (57,796)
  Realized gains on investments                   9,109        -           -
  Investment and other income                    15,232      27,650      27,563
                                                -------     -------     -------
                                                181,221      38,795     (29,951)

COSTS AND EXPENSES:
  Interest charges on borrowed money             41,729      42,958      39,912
  Other operating and general expenses            9,142       8,588       7,435
                                                -------     -------     -------
                                                 50,871      51,546      47,347
                                                -------     -------     -------

Earnings (loss) before income taxes and
  accounting changes                            130,350     (12,751)    (77,298)
Provision (credit) for income taxes               5,350      (7,951)    (30,335)
                                                -------     -------     -------

Earnings (loss) before accounting changes       125,000      (4,800)    (46,963)

Cumulative effect of accounting changes         (40,360)    (10,040)     (9,072)
                                                -------     -------     -------

NET EARNINGS (LOSS)                            $ 84,640    ($14,840)   ($56,035)
                                               ========     =======     =======


(*)The Parent Only Financial Statements include the accounts of AFG and its
predecessor, AFC Holding Company, a wholly-owned subsidiary.





                                       S-2
<PAGE>

                AMERICAN FINANCIAL GROUP, INC. - PARENT ONLY (*)
     SCHEDULE I - CONDENSED FINANCIAL INFORMATION OF REGISTRANT - CONTINUED
                                 (In Thousands)


                        CONDENSED STATEMENT OF CASH FLOWS
                        ---------------------------------

<TABLE>
<CAPTION>
                                                           Year Ended December 31,
                                                   -------------------------------------
                                                       2002          2001           2000
                                                       ----          ----           ----
<S>                                             <C>           <C>           <C>
OPERATING ACTIVITIES:
Net earnings (loss)                                $ 84,640      ($14,840)     ($ 56,035)
Adjustments:
  Cumulative effect of accounting changes            40,360        10,040          9,072
  Equity in losses (earnings) of subsidiaries      (142,260)      (10,613)        34,225
  Realized gains on investments                      (9,109)         -              -
  Change in balances with affiliates                 48,044        83,189        (64,511)
  Increase in other assets                           (9,257)       (4,126)       (10,987)
  Dividends from subsidiaries                           282           282            282
  Other                                                 (40)          256            792
                                                   --------       -------        -------
                                                     12,660        64,188        (87,162)
                                                   --------       -------        -------
INVESTING ACTIVITIES:
  Sales of investments                               12,997          -              -
                                                   --------       -------       --------
                                                     12,997          -              -
                                                   --------       -------       --------
FINANCING ACTIVITIES:
  Issuances of Common Stock                          11,287        19,669        159,562
  Repurchases of trust preferred securities            -             -            (1,052)
  Cash dividends paid                               (37,167)      (84,735)       (71,553)
                                                   --------       -------       --------
                                                    (25,880)      (65,066)        86,957
                                                   --------       -------       --------


NET DECREASE IN CASH AND SHORT-TERM INVESTMENTS        (223)         (878)          (205)

Cash and short-term investments at beginning
  of period                                             529         1,407          1,612
                                                   --------       -------       --------

Cash and short-term investments at end
  of period                                        $    306       $   529       $  1,407
                                                   ========       =======       ========
</TABLE>
(*)  The Parent Only Financial Statements include the accounts of AFG and its
     predecessor, AFC Holding Company, a wholly-owned subsidiary.


                                       S-3
<PAGE>

                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES
                SCHEDULE V - SUPPLEMENTAL INFORMATION CONCERNING
                     PROPERTY-CASUALTY INSURANCE OPERATIONS
                       THREE YEARS ENDED DECEMBER 31, 2002
                                  (IN MILLIONS)

     --------------- ---------------- --------------- ------------- -----------

        COLUMN A        COLUMN B         COLUMN C       COLUMN D     COLUMN E
     --------------- ---------------- --------------- ------------- -----------
                                           (a)
                                       RESERVES FOR
                        DEFERRED      UNPAID CLAIMS       (b)
      AFFILIATION        POLICY         AND CLAIMS      DISCOUNT       (c)
          WITH         ACQUISITION      ADJUSTMENT    DEDUCTED IN    UNEARNED
       REGISTRANT         COSTS          EXPENSES       COLUMN C     PREMIUMS
     --------------- ---------------- --------------- ------------- -----------


     CONSOLIDATED PROPERTY-CASUALTY ENTITIES
     ---------------------------------------


          2002             $251          $5,204           $25         $1,848
                           ====          ======           ===         ======

          2001             $262          $4,778           $24         $1,641
                           ====          ======           ===         ======
<TABLE>
<CAPTION>

         ---------------- ------------------- --------------------- --------------- --------------- -----------
           COLUMN F           COLUMN G              COLUMN H            COLUMN I        COLUMN J      COLUMN K
         ---------------- ------------------- --------------------- --------------- --------------- -----------
                                                 CLAIMS AND CLAIM
                                               ADJUSTMENT EXPENSES    AMORTIZATION        PAID
                                               INCURRED RELATED TO    OF DEFERRED        CLAIMS
                                NET           ---------------------     POLICY         AND CLAIM
            EARNED           INVESTMENT        CURRENT      PRIOR     ACQUISITION      ADJUSTMENT     PREMIUMS
           PREMIUMS            INCOME           YEARS       YEARS        COSTS          EXPENSES      WRITTEN
        ---------------- ------------------- -----------  --------- --------------- --------------- -----------
<S>      <C>                <C>             <C>          <C>          <C>           <C>            <C>
2002        $2,403              $294           $1,664       $171         $429           $1,688        $2,414
            ======              ====           ======       ====         ====           ======        ======

2001        $2,594              $309           $1,950       $163         $556           $1,867        $2,553
            ======              ====           ======       ====         ====           ======        ======

2000        $2,495              $297           $2,056      ($ 60)        $560           $1,841        $2,638
            ======              ====           ======       ====         ====           ======        ======
</TABLE>
        (a) Grossed up for reinsurance recoverables of $1,804 and $1,525 at
            December 31, 2002 and 2001, respectively.
        (b) Discounted at approximately 8%.
        (c) Grossed up for prepaid reinsurance premiums of $679 and $477 at
            December 31, 2002 and 2001, respectively.

                                      S-4
<PAGE>
                                   SIGNATURES
                                   ----------
     Pursuant to the requirements of Section 13 of the Securities Exchange Act
of 1934, American Financial Group, Inc. has duly caused this Report to be signed
on its behalf by the undersigned, duly authorized.

                                            American Financial Group, Inc.


Signed:  March 27, 2003                     BY:s/CARL H. LINDNER
                                               ---------------------------------
                                                 Carl H. Lindner
                                                 Chairman of the Board and
                                                   Chief Executive Officer

     Pursuant to the requirements of the Securities Exchange Act of 1934, this
Report has been signed below by the following persons on behalf of the
Registrant and in the capacities and on the dates indicated:

      Signature                         Capacity                      Date
      ---------                         --------                      ----

s/CARL H. LINDNER                  Chairman of the Board         March 27, 2003
- -----------------------
  Carl H. Lindner                    of Directors


s/THEODORE H. EMMERICH             Director*                     March 27, 2003
- ------------------------
  Theodore H. Emmerich


s/JAMES E. EVANS                   Director                      March 27, 2003
- -----------------------
  James E. Evans


s/CARL H. LINDNER III              Director                      March 27, 2003
- -----------------------
  Carl H. Lindner III


s/KEITH E. LINDNER                 Director                      March 27, 2003
- -----------------------
  Keith E. Lindner


s/S. CRAIG LINDNER                 Director                      March 27, 2003
- -----------------------
  S. Craig Lindner


s/WILLIAM R. MARTIN                Director*                     March 27, 2003
- -----------------------
  William R. Martin

<PAGE>
s/WILLIAM W. VERITY                Director*                     March 27, 2003
- -----------------------
  William W. Verity


s/FRED J. RUNK                     Senior Vice President and     March 27, 2003
- -----------------------
  Fred J. Runk                       Treasurer (principal
                                     financial and accounting
                                     officer)

* Member of the Audit Committee
<PAGE>

                         AMERICAN FINANCIAL GROUP, INC.

                  SARBANES-OXLEY SECTION 302(a) CERTIFICATIONS
                  --------------------------------------------

I, Carl H. Lindner, certify that:

1.   I have reviewed this annual report on Form 10-K of American Financial
     Group, Inc.;

2.   Based on my knowledge, this annual report does not contain any untrue
     statement of a material fact or omit to state a material fact necessary to
     make the statements made, in light of the circumstances under which such
     statements were made, not misleading with respect to the period covered by
     this annual report;

3.   Based on my knowledge, the financial statements, and other financial
     information included in this annual report, fairly present in all material
     respects the financial condition, results of operations and cash flows of
     the registrant as of, and for, the periods presented in this annual report;

4.   The registrant's other certifying officer and I are responsible for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act Rules 13a-14 and 15d-14) for the registrant and we have:

     a)  designed such disclosure controls and procedures to ensure that
         material information relating to the registrant, including its
         consolidated subsidiaries, is made known to us by others within those
         entities, particularly during the period in which this annual report is
         being prepared;

     b)  evaluated the effectiveness of the registrant's disclosure controls and
         procedures as of a date within 90 days prior to the filing date of this
         annual report (the "Evaluation Date"); and

     c)  presented in this annual report our conclusions about the effectiveness
         of the disclosure controls and procedures based on our evaluation as of
         the Evaluation Date;

5.   The registrant's other certifying officer and I have disclosed, based on
     our most recent evaluation, to the registrant's auditors and the audit
     committee of registrant's board of directors (or persons performing the
     equivalent function):

     a)  all significant deficiencies in the design or operation of internal
         controls which could adversely affect the registrant's ability to
         record, process, summarize and report financial data and have
         identified for the registrant's auditors any material weaknesses in
         internal controls; and

     b)  any fraud, whether or not material, that involves management or other
         employees who have a significant role in the registrant's internal
         controls; and
<PAGE>
6.   The registrant's other certifying officer and I have indicated in this
     annual report whether there were significant changes in internal controls
     or in other factors that could significantly affect internal controls
     subsequent to the date of our most recent evaluation, including any
     corrective actions with regard to significant deficiencies and material
     weaknesses.



March 27, 2003                            BY: s/Carl H. Lindner
                                              ----------------------------------
                                              Carl H. Lindner
                                              Chairman of the Board and
                                                Chief Executive Officer
                                                (principal executive officer)


<PAGE>

                         AMERICAN FINANCIAL GROUP, INC.

            SARBANES-OXLEY SECTION 302(a) CERTIFICATIONS - CONTINUED
            --------------------------------------------------------

I, Fred J. Runk, certify that:

1.   I have reviewed this annual report on Form 10-K of American Financial
     Group, Inc.;

2.   Based on my knowledge, this annual report does not contain any untrue
     statement of a material fact or omit to state a material fact necessary to
     make the statements made, in light of the circumstances under which such
     statements were made, not misleading with respect to the period covered by
     this annual report;

3.   Based on my knowledge, the financial statements, and other financial
     information included in this annual report, fairly present in all material
     respects the financial condition, results of operations and cash flows of
     the registrant as of, and for, the periods presented in this annual report;

4.   The registrant's other certifying officer and I are responsible for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act Rules 13a-14 and 15d-14) for the registrant and we have:

     a)  designed such disclosure controls and procedures to ensure that
         material information relating to the registrant, including its
         consolidated subsidiaries, is made known to us by others within those
         entities, particularly during the period in which this annual report is
         being prepared;

     b)  evaluated the effectiveness of the registrant's disclosure controls and
         procedures as of a date within 90 days prior to the filing date of this
         annual report (the "Evaluation Date"); and

     c)  presented in this annual report our conclusions about the effectiveness
         of the disclosure controls and procedures based on our evaluation as of
         the Evaluation Date;

5.   The registrant's other certifying officer and I have disclosed, based on
     our most recent evaluation, to the registrant's auditors and the audit
     committee of registrant's board of directors (or persons performing the
     equivalent function):

     a)  all significant deficiencies in the design or operation of internal
         controls which could adversely affect the registrant's ability to
         record, process, summarize and report financial data and have
         identified for the registrant's auditors any material weaknesses in
         internal controls; and

     b)  any fraud, whether or not material, that involves management or other
         employees who have a significant role in the registrant's internal
         controls; and
<PAGE>
6.   The registrant's other certifying officer and I have indicated in this
     annual report whether there were significant changes in internal controls
     or in other factors that could significantly affect internal controls
     subsequent to the date of our most recent evaluation, including any
     corrective actions with regard to significant deficiencies and material
     weaknesses.



March 27, 2003                          BY: s/Fred J. Runk
                                            -----------------------------------
                                            Fred J. Runk
                                            Senior Vice President and Treasurer
                                            (principal financial officer)

<PAGE>
                                INDEX TO EXHIBITS

                         AMERICAN FINANCIAL GROUP, INC.


Number              Exhibit Description
- ------              -------------------

  3(a)       Amended and Restated Articles of
             Incorporation, filed as Exhibit 3(a)
             to AFG's Form 10-K for 1997                                    (*)

  3(b)       Code of Regulations, filed as
             Exhibit 3(b) to AFG's Form 10-K
             for 1997.                                                      (*)

  4          Instruments defining the rights of    Registrant has no
             security holders.                     outstanding debt issues
                                                   exceeding 10% of the
                                                   assets of Registrant and
                                                   consolidated subsidiaries.

             Management Contracts:
 10(a)         Stock Option Plan, filed as Exhibit 10(a)
               to AFG's Form 10-K for 1998.                                 (*)

 10(b)         Form of stock option agreements, filed as
               Exhibit 10(b) to AFG's Form 10-K for 1998.                   (*)

 10(c)         2002 Annual Bonus Plan, filed as Exhibit 10
               to AFG's March 31, 2002 Form 10-Q.                           (*)

 10(d)         Nonqualified Auxiliary RASP, filed as
               Exhibit 10(d) to AFG's Form 10-K for 1998.                   (*)

 10(e)         Retirement program for outside directors,
               filed as Exhibit 10(e) to AFG's Form 10-K
               for 1995.                                                    (*)

 10(f)         Directors' Compensation Plan,
               filed as Exhibit 10(f) to AFG's Form 10-K
               for 1995.                                                    (*)

 10(g)         Deferred Compensation Plan, filed as
               Exhibit 10 to AFG's Registration Statement
               on Form S-8 on December 2, 1999.                             (*)

 10(h)         Credit Agreement, dated as of November 25, 2002,
               among American Financial Group, Inc., as Guarantor,
               AFC Holding Company, as Guarantor, American
               Financial Corporation, as Borrower, Fleet National
               Bank, Bank of America, N.A. and KeyBank National
               Association filed as Exhibit 10 to AFG's
               Registration Statement on Form S-3 on February 4,
               2003.                                                        (*)
<PAGE>
 12          Computation of ratios of earnings
             to fixed charges.                                            -----

 21          Subsidiaries of the Registrant.                              -----

 23          Consent of independent auditors.                             -----

 99          Certification of Chief Executive Officer and
             Chief Financial Officer                                      -----

  (*)  Incorporated herein by reference.


                                       E-1
<PAGE>

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M"C`P,#`P,#`P,#`@,#`P,#$@9@T*,#`P,#4X-#$T-"`P,#`P,"!N#0IT<F%I
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end

</PDF>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>afgex99.txt
<DESCRIPTION>EXHIBIT 99 - CEO & CFO CERTIFICATIONS
<TEXT>

                       AMERICAN FINANCIAL GROUP, INC. 10-Q


                                   EXHIBIT 99

      CERTIFICATION OF CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER

           PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the filing with the Securities and Exchange Commission of the
Quarterly Report of American Financial Group, Inc. (the "Company") on Form 10-Q
for the period ended September 30, 2002 (the "Report"), the undersigned officers
of the Company, certify, pursuant to 18 U.S.C. section 1350, as adopted pursuant
to section 906 of the Sarbanes-Oxley Act of 2002, that to the best of their
knowledge:

       (1)  The Report fully complies with the requirements of section 13(a)
            or 15(d) of the Securities Act of 1934; and

       (2)  The information contained in the Report fairly presents, in all
            material respects, the financial condition and results of
            operations of the Company.




November 13, 2002                        BY: Carl H. Lindner
- -----------------------------                -----------------------------------
Date                                         Carl H. Lindner
                                             Chairman of the Board and
                                               Chief Executive Officer




November 13, 2002                        BY: Fred J. Runk
- -----------------------------                -----------------------------------
Date                                         Fred J. Runk
                                             Senior Vice President and Treasurer


















                                       E-5

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-12
<SEQUENCE>4
<FILENAME>afgexh12.txt
<DESCRIPTION>EXHIBIT 12 - EARNINGS TO FIXED CHARGES
<TEXT>
                 AMERICAN FINANCIAL GROUP, INC. AND SUBSIDIARIES

         EXHIBIT 12 - COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES
                             (Dollars in Thousands)

<TABLE>
<CAPTION>
                                                                     Year Ended December 31,
                                             -----------------------------------------------------------------------
                                                 2002            2001              2000           1999          1998
                                                 ----            ----              ----           ----          ----
<S>                                         <C>            <C>              <C>             <C>           <C>

Excluding Interest on Annuities
- -------------------------------

Pretax income (loss)                         $130,350       ($ 12,751)        ($ 77,298)      $223,307      $203,489
Minority interest in subsidiaries
  having fixed charges                         33,839          43,187            44,961         48,780        55,646
Less undistributed equity in
  losses of investees                          13,830          25,462           142,230         32,156        17,997
Fixed charges:
  Interest expense                             60,271          60,616            67,638         64,544        58,925
  Debt discount (premium) and expense             879           1,072               763           (129)         (504)
  One-third of rentals                         16,483          16,900            13,963         12,226        11,883
                                             --------        --------          --------       --------      --------

      EARNINGS                               $255,652        $134,486          $192,257       $380,884      $347,436
                                             ========        ========          ========       ========      ========


Fixed charges:
  Interest expense                           $ 60,271        $ 60,616          $ 67,638       $ 64,544      $ 58,925
  Debt discount (premium) and expense             879           1,072               763           (129)         (504)
  One-third of rentals                         16,483          16,900            13,963         12,226        11,883
  Pretax preferred dividend
    requirements of subsidiaries               28,184          32,296            35,648         36,566        37,628
                                             --------        --------          --------       --------      --------

      FIXED CHARGES                          $105,817        $110,884          $118,012       $113,207      $107,932
                                             ========        ========          ========       ========      ========


Ratio of Earnings to Fixed Charges               2.42            1.21              1.63           3.36          3.22
                                                 ====            ====              ====           ====          ====

Including Interest on Annuities
- -------------------------------

Earnings - per above                         $255,652        $134,486          $192,257       $380,884      $347,436
Interest on annuities                         300,966         294,654           293,171        262,632       261,666
                                             --------        --------          --------       --------      --------

      EARNINGS                               $556,618        $429,140          $485,428       $643,516      $609,102
                                             ========        ========          ========       ========      ========


Fixed charges - per above                    $105,817        $110,884          $118,012       $113,207      $107,932
Interest on annuities                         300,966         294,654           293,171        262,632       261,666
                                             --------        --------          --------       --------      --------

      FIXED CHARGES                          $406,783        $405,538          $411,183       $375,839      $369,598
                                             ========        ========          ========       ========      ========


Ratio of Earnings to Fixed Charges               1.37            1.06              1.18           1.71          1.65
                                                 ====            ====              ====           ====          ====


Earnings in Excess of Fixed Charges          $149,835        $ 23,602          $ 74,245       $267,677      $239,504
                                             ========        ========          ========       ========      ========
</TABLE>

(*)  Amounts include subsidiary preferred dividends and accrued distributions on
     trust preferred securities.

                                  E-2

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>5
<FILENAME>afgexh21.txt
<DESCRIPTION>EXHIBIT 21 - SUBSIDIARIES OF THE REGISTRANT
<TEXT>
                         AMERICAN FINANCIAL GROUP, INC.

                   EXHIBIT 21 - SUBSIDIARIES OF THE REGISTRANT


     The following is a list of subsidiaries of AFG at December 31, 2002. All
corporations are subsidiaries of AFG and, if indented, subsidiaries of the
company under which they are listed.
<TABLE>
<CAPTION>
                                                                                 Percentage of
Name of Company                                                  Incorporated      Ownership
- ---------------                                                  ------------    -------------
<S>                                                           <C>                    <C>

AFC Holding Company                                              Ohio                 100
  American Financial Capital Trust I                             Delaware             100
  American Financial Corporation                                 Ohio                 100
    American Money Management Corporation                        Ohio                 100
    American Premier Underwriters, Inc.                          Pennsylvania         100
      Infinity Property and Casualty Corporation                 Ohio                 100
        Atlanta Casualty Company                                 Ohio                 100
        Infinity Insurance Company                               Indiana              100
          Infinity National Insurance Company                    Indiana              100
          Infinity Select Insurance Company                      Indiana              100
        Leader Insurance Company                                 Ohio                 100
          Leader Specialty Insurance Company                     Indiana              100
          TICO Insurance Company                                 Ohio                 100
        Windsor Insurance Company                                Indiana              100
          Regal Insurance Company                                Indiana              100
      Premier Lease & Loan Services Insurance Agency, Inc.       Washington           100
      Premier Lease & Loan Services of Canada, Inc.              Washington           100
      Republic Indemnity Company of America                      California           100
        Republic Indemnity Company of California                 California           100
    Great American Holding, Inc.                                 Ohio                 100
      Great American Security Insurance Company                  Ohio                 100
      Great American Spirit Insurance Company                    Indiana              100
    Great American Insurance Company                             Ohio                 100
      American Empire Surplus Lines Insurance Company            Delaware             100
        American Empire Insurance Company                        Ohio                 100
        Fidelity Excess and Surplus Insurance Company            Ohio                 100
      Brothers Property Corporation                              Ohio                  80
      Great American Alliance Insurance Company                  Ohio                 100
      Great American Assurance Company                           Ohio                 100
      Great American Contemporary Insurance Company              Ohio                 100
      Great American Custom Insurance Services, Inc.             Ohio                 100
        Professional Risk Brokers, Inc.                          Illinois             100
      Great American E&S Insurance Company                       Delaware             100
      Great American Fidelity Insurance Company                  Delaware             100
      Great American Financial Resources, Inc.                   Delaware              83
        AAG Holding Company, Inc.                                Ohio                 100
          American Annuity Group Capital Trust I                 Delaware             100
          American Annuity Group Capital Trust II                Delaware             100
          Great American Life Insurance Company                  Ohio                 100
            Annuity Investors Life Insurance Company             Ohio                 100
            Loyal American Life Insurance Company                Ohio                 100
            Manhattan National Life Insurance Company            Illinois             100
            United Teacher Associates Insurance Company          Texas                100
        Great American Life Assurance Company
          of Puerto Rico, Inc.                                   Puerto Rico          100
      Great American Insurance Company of New York               New York             100
      Great American Management Services, Inc.                   Ohio                 100
      Great American Protection Insurance Company                Indiana              100
      Mid-Continent Casualty Company                             Oklahoma             100
        Mid-Continent Insurance Company                          Oklahoma             100
        Oklahoma Surety Company                                  Oklahoma             100
      National Interstate Corporation                            Ohio                  68
        National Interstate Insurance Company                    Ohio                 100
          National Interstate Insurance Company of Hawaii, Inc.  Hawaii               100
      Transport Insurance Company                                Ohio                 100
      Worldwide Insurance Company                                Ohio                 100
</TABLE>
    The names of certain subsidiaries are omitted, as such subsidiaries in the
aggregate would not constitute a significant subsidiary.


                                       E-3

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>6
<FILENAME>afgexh23.txt
<DESCRIPTION>EXHIBIT 23 - CONSENT OF IND AUDITORS
<TEXT>
                         AMERICAN FINANCIAL GROUP, INC.

                  EXHIBIT 23 - CONSENT OF INDEPENDENT AUDITORS


       We consent to the incorporation by reference in the following
Registration Statements and related prospectuses of American Financial Group,
Inc. of our report dated February 19, 2003, with respect to the consolidated
financial statements and schedules of American Financial Group, Inc. included in
the Annual Report on Form 10-K for the year ended December 31, 2002.


                  Registration
        Form      Number               Description
        ----      ------------         -----------

        S-8       33-58825             Stock Option Plan

        S-8       33-58827             Employee Stock Purchase Plan

        S-3       333-102567           Dividend Reinvestment Plan

        S-8       333-10853            Nonemployee Directors' Compensation Plan

        S-8       333-14935            Retirement and Savings Plan

        S-3       333-81903            $450 million of Debt Securities,
                                         Common Stock and Trust Securities

        S-8       333-91945            Deferred Compensation Plan

        S-8       333-74282            GAFRI Retirement and Savings Plan




                                                ERNST & YOUNG LLP

Cincinnati, Ohio
March 27, 2003


















                                       E-4

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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