Document

0001527469-17-000007.txt : 20170315 0001527469-17-000007.hdr.sgml : 20170315 20170315172813 ACCESSION NUMBER: 0001527469-17-000007 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 5 CONFORMED PERIOD OF REPORT: 20170315 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20170315 DATE AS OF CHANGE: 20170315 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Athene Holding Ltd CENTRAL INDEX KEY: 0001527469 STANDARD INDUSTRIAL CLASSIFICATION: LIFE INSURANCE [6311] IRS NUMBER: 980628973 STATE OF INCORPORATION: D0 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-37963 FILM NUMBER: 17692206 BUSINESS ADDRESS: STREET 1: 96 PITTS BAY ROAD CITY: PEMBROKE STATE: D0 ZIP: HM08 BUSINESS PHONE: 441-279-8400 MAIL ADDRESS: STREET 1: 96 PITTS BAY ROAD CITY: PEMBROKE STATE: D0 ZIP: HM08 8-K 1 ath8-k031517.htm 8-K Document




UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 8-K


CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): March 15, 2017



ATHENE HOLDING LTD.
(Exact name of registrant as specified in its charter)


	Bermuda	001-37963	98-0630022
	(State or other jurisdiction of	(Commission	(I.R.S. Employer
	incorporation or organization)	file number)	Identification Number)

96 Pitts Bay Road
Pembroke, HM08, Bermuda
(Address of principal executive offices and zip code)

(441) 279-8400
(Registrant’s telephone number, including area code)


Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02 Results of Operations and Financial Condition

On March 15, 2017, Athene Holding Ltd. (the “Company”) issued a press release to announce its financial results for the three months and year ended December 31, 2016. A copy of the press release containing this information is furnished as Exhibit 99.1 hereto and is incorporated by reference in this Item 2.02. The Company's financial supplement for the fourth quarter ended December 31, 2016 is attached as Exhibit 99.2 hereto and is incorporated by reference in this Item 2.02.

The foregoing information, including the Exhibits referenced in this Item 2.02, is being furnished pursuant to this Item 2.02 and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits



(d)	Exhibits

99.1	Press release of Athene Holding Ltd., dated March 15, 2017 (furnished and not filed).

99.2	Quarterly Financial Supplement for Athene Holding Ltd. for fourth quarter 2016 (furnished and not filed).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.



	ATHENE HOLDING LTD.

Date: March 15, 2017	/s/ Martin P. Klein
	Martin P. Klein
	Executive Vice President and Chief Financial Officer

EXHIBIT INDEX



Exhibit No.	Description
99.1	Press release of Athene Holding Ltd., dated March 15, 2017 (furnished and not filed).

99.2	Quarterly Financial Supplement for Athene Holding Ltd. for fourth quarter 2016 (furnished and not filed).

EX-99.1 2 q42016pressreleaseupdatedv.htm EXHIBIT 99.1 Exhibit

News Release

ATHENE HOLDING LTD. REPORTS

FOURTH QUARTER AND FULL YEAR 2016 RESULTS

Q4 net income increased 52% year-over-year to $368 million

Q4 operating income, net of tax increased 16% year-over-year to $284 million

Q4 ROE of 21.0%, Q4 Retirement Services operating ROE ex. AOCI of 21.8%

Q4 new deposits up 42% to $1.8 billion and record full-year deposits up 127% to $8.8 billion

Q4 Retirement Services investment margin of 2.96%, up 37 basis points year over year

PEMBROKE, Bermuda - March 15, 2017 - Athene Holding Ltd. (NYSE: ATH), a leading provider of retirement savings products, today announced financial results for the fourth quarter and full year 2016.

Net income for the fourth quarter 2016 was $368 million, or $1.80 per diluted Class A share ("diluted share"), compared to net income in the fourth quarter 2015 of $242 million, or $1.30 per diluted share. Net income for the full year 2016 was $805 million, or $4.21 per diluted share, compared to net income for the full year 2015 of $562 million, or $3.21 per diluted share.

Operating income, net of taxfor the fourth quarter 2016 was $284 million, or $1.46 per operating diluted Class A share ("operating diluted share"), compared to operating income, net of tax for the fourth quarter 2015 of $244 million, or $1.32 per operating diluted share. Operating income, net of tax for the full year 2016 was $760 million, or $3.93 per operating diluted share, compared to operating income, net of tax for the full year 2015 of $740 million, or $4.23 per operating diluted share. Operating income, net of tax excluding the unlocking of assumptions and the deferred tax valuation allowance release for the full year 2016 was $805 million, compared to $718 million in 2015.

“In the fourth quarter and for the full year we generated very strong organic growth and significantly increased our investment margin, which drove year-over-year growth in operating income, net income and shareholders' equity. At year end, we had high risk-based capital ratios, more than $1.5 billion of excess equity capital and no financial leverage," said Jim Belardi, CEO of Athene Holding Ltd.

“2016 was an important and exciting year for our company as we set the stage for long-term strategic growth. In addition, on December 9th, Athene began trading as a public company -- one of the most important milestones in our company’s history," Mr. Belardi continued.

"In the first quarter of 2017, we issued $650 million of funding agreement backed notes (FABNs) - our most successful issuance to date - and we expect demand will continue for this product. This year we will build on our momentum, continuing to expand and diversify our product portfolio, which in combination with our differentiated business model, strong balance sheet and substantial excess capital, positions us well to continue to create significant shareholder value."

Other Highlights¹


•	Full year 2016 Retirement Services investment margin of 2.77%, up 32 basis points year-over-year


•	Full year 2016 Retirement Services operating income, net of tax up 14% excluding unlocking and deferred tax valuation allowance release


•	Full year 2016 ROE of 13.1%, full year 2016 Retirement Services operating ROE ex. AOCI of 19.1%


•	2016 U.S. RBC of 478%


•	2016 ALRe BSCR of 228%² and RBC of 529%³


•	December 31, 2016 Athene shareholders' equity increased 29% year-over-year to $6.9 billion and Athene shareholders' equity ex. AOCI increased 17% year-over-year to $6.5 billion


•	Ranked #3 carrier in fixed indexed annuity sales year-to-date through September 30, 2016⁴,ranked #2 carrier in fixed indexed annuity sales for the third quarter 2016⁴


•	In December, began trading on the NYSE under the stock symbol "ATH"; market capitalization of approximately $10 billion⁵


•	In the first quarter of 2017, issued $650 million of funding agreements


•	Athene and Apollo have agreed, subject to shareholder approval, to implement a new fee framework, which is expected to reduce investment management fees in support of further prudent growth

¹ This news release references certain Non-GAAP measures. See Non-GAAP Measures for additional discussion.

² Effective January 1, 2016, in connection with the implementation of its broader regulatory regime, the BMA integrated the EBS framework into the determination of BSCR. The European Commission has granted the BMA's regulatory regime for reinsurance, group solvency calculation and group supervision full equivalence to Solvency II. Under the EBS framework, ALRe's assets are recorded at market value and its insurance reserves are determined by reference to nine prescribed scenarios, with the scenario resulting in the highest reserve balance required to be selected. This ratio is not comparable to prior year end BSCR ratios given the change in the solvency regime; however, consistent with the previous regime the minimum required capital ratio to be considered solvent by the BMA is 100%.

³ ALRe RBC ratio, which is used in evaluating our capital position and the amount of capital needed to support our segment, is calculated by applying the NAIC RBC factors to our Bermuda capital.

⁴Rankings as of 9/30/16 per LIMRA.

⁵ As of March 9, 2017

Fourth Quarter Results

Net income for the fourth quarter increased by $126 million, or 52%, over the prior year fourth quarter. The increase was driven primarily by a $40 million increase in operating income, net of tax and a favorable net change in FIA derivatives due to an increase in discount rates in the fourth quarter.

Operating income, net of tax for the fourth quarter increased by $40 million, or 16%, over the prior year fourth quarter, driven by higher income from our fixed, other and alternative investments and higher earnings from our German business. This was partially offset by higher liability costs driven by an increase in rider reserve movements due to growth and higher than expected persistency. Additionally, the fourth quarter of 2015 benefited from favorable mortality gains and a deferred tax valuation allowance release.

Full-Year Results

Net income for the full year 2016 increased by $243 million, or 43%, over the prior year. The increase was driven by a $20 million increase in operating income, net of tax, a favorable net change in FIA derivatives due to equity market performance and a favorable change in assumed reinsurance embedded derivatives related to credit spreads tightening.

Operating income, net of tax for the full year 2016 increased by $20 million, or 3% over the prior year. The increase in operating income, net of tax was primarily driven by favorable fixed, other and alternative investment income as well as the release of a deferred tax valuation allowance. The increase in investment income was driven by growth in invested assets, reflecting strong growth in deposits, the reinvestment of Aviva acquired investments and higher bond call income. Partially offsetting was an increase in liability costs due to our annual unlocking of assumptions, an increase in rider reserve movements due to growth and higher than expected persistency, an increase in amortization driven by higher gross profits and continued growth, and a decline in the market value of

public equity positions in one of our funds. For the full year, operating income, net of tax excluding the impact of unlocking and the release of a deferred tax valuation allowance, was up 12% over prior year.

Deposit Highlights

In 2016, we entered new markets, launched new products and added a new reinsurance partner. In the fourth quarter of 2016, we had retail sales and new flow reinsurance deposits of $1.8 billion, an increase of 42%, compared to prior year. For the full year, we generated record new deposits of $8.8 billion, an increase of 127% from the prior year.

Retail Sales: Retail annuity sales increased to approximately $1.5 billion in the fourth quarter. For the full year, we generated new deposits of $5.3 billion, up 114%, over the prior year. Athene is one of the top three writers of fixed indexed annuities, based on currently available data. New deposit growth was driven by a strong response to our competitive income rider option on Ascent Pro, and the reintroduction of MYGA products. These new products target large segments of the market where our participation has been historically low. We also introduced product variations targeted to financial institutions which allowed us to expand into that distribution channel for the first time.

Flow Reinsurance: Flow reinsurance deposits were $348 million in the fourth quarter. For the full year, we generated record new deposits of $3.5 billion, up 205%, over the prior year period. This strong growth reflects increased flow reinsurance with our current partners especially in the MYGA market.

Selected Results



	Three months ended December 31,						Years ended December 31,
(In millions, except percentages and share data)	2016			2015			2016			2015
Deposits	$	1,840		$	1,295		$	8,758		$	3,859
Investments, including related parties							72,433			64,525
Invested assets							71,834			66,959
Debt to equity							—		%	—		%
Book value per share							$	35.91		$	28.81
Book value per share, ex. AOCI¹							$	33.29		$	30.09
Common shares outstanding²							192.3			186.1
Operating diluted Class A common shares outstanding³							196.4			186.1
Total AHL shareholders' equity							6,905			5,362
Total AHL shareholders' equity excluding AOCI							6,538			5,599

ROE	21.0		%	17.8		%	13.1		%	11.3		%
ROE ex. AOCI	23.2		%	17.7		%	13.3		%	11.8		%
Operating ROE ex. AOCI	17.9		%	17.9		%	12.5		%	15.6		%

Retirement Services
Operating income, net of tax	$	246		$	256		$	809		$	769
Operating ROE ex. AOCI	21.8		%	26.8		%	19.1		%	22.7		%
Investment margin on deferred annuities	2.96		%	2.59		%	2.77		%	2.45		%

¹Book value per share, ex AOCI is calculated as the ending AHL shareholders' equity excluding AOCI divided by the operating diluted Class A common shares outstanding.

²Represents common shares outstanding for all classes eligible to participate in dividends for each period presented. Utilized for the book value per share calculation.

³Operating diluted Class A common shares outstanding assume conversion or settlement of all outstanding items that are able to be converted to or settled in Class A common shares, including the impacts of Class B common shares outstanding on a one-for-one basis, the impacts of all Class M common shares outstanding net of the conversion price and any other stock-based awards outstanding. Our Class B common shares are economically equivalent to Class A common shares and can be converted to Class A common shares on a 1-for-1 basis at any time. Our Class M common shares are in the legal form of shares but economically function as options as they are convertible into Class A shares after vesting and settlement of the conversion price. We believe this non-GAAP measure is an appropriate economic representation of our share counts for use in an economic view of book value metrics.



	Three months ended December 31,						Years ended December 31,
(In millions, except share data)	2016			2015			2016			2015
Operating income, net of tax by segment
Retirement Services	$	246		$	256		$	809		$	769
Corporate and Other	38			(12		)	(49		)	(29		)
Operating income, net of tax	284			244			760			740

Investment gains (losses), net of offsets	(50		)	(36		)	47			(56		)
Change in fair values of derivatives and embedded derivatives - FIAs, net of offsets	179			65			97			(27		)
Integration, restructuring and other non-operating expenses	(14		)	(27		)	(22		)	(58		)
Stock compensation expense	(20		)	(16		)	(79		)	(67		)
Income tax (expense) benefit - non-operating	(11		)	12			2			30
Total non-operating adjustments	84			(2		)	45			(178		)
Net income available to AHL shareholders	$	368		$	242		$	805		$	562

Earnings per share - basic¹	$	1.94		$	1.30		$	4.31		$	3.21
Earnings per share - diluted Class A²	$	1.80		$	1.30		$	4.21		$	3.21
Operating earnings per share - operating diluted Class A³	$	1.46		$	1.32		$	3.93		$	4.23
Weighted average shares outstanding - basic¹	189.2			185.9			186.8			175.1
Weighted average shares outstanding - diluted Class A²	63.9			50.0			53.5			41.3
Weighted average shares outstanding - operating diluted Class A³	194.2			186.0			193.4			175.2

¹Basic earnings per share, including basic weighted average shares outstanding includes all classes eligible to participate in dividends for each period presented.²Diluted earnings per share on a GAAP basis for Class A common shares, including diluted Class A weighted average shares outstanding, includes the dilutive impacts, if any, of Class B common shares, Class M common shares and any other stock-based awards. Based on allocated net income of $115 million (31%) and $65 million (27%) diluted to Class A common shares for the three months ended December 31, 2016 and 2015, respectively, and allocated net income of $225 million (28%) and $132 million (23%) to diluted Class A commons shares for the years ended December 31, 2016 and 2015, respectively.

³Weighted average shares outstanding - operating diluted Class A assumes conversion or settlement of all outstanding items that are able to be converted to or settled in Class A common shares, including the impacts of Class B common shares on a one-for-one basis, the impacts of all Class M common shares net of the conversion price and any other stock-based awards. Our Class B common shares are economically equivalent to Class A common shares and can be converted to Class A common shares on a 1-for-1 basis at any time. Our Class M common shares are in the legal form of shares but economically function as options as they are convertible into Class A shares after vesting and settlement of the conversion price. In calculating Class A diluted earnings per share on a GAAP basis, we are required to apply sequencing rules to determine the dilutive impacts, if any, of our Class B common shares, Class M common shares and any other stock-based awards. To the extent our Class B common shares, Class M common shares and/or any other stock-based awards are not dilutive they are excluded. We believe this non-GAAP measure is an appropriate economic representation of our share counts for use in an economic view of diluted operating earnings per share.



	Years ended December 31,
(In millions)	2016						2015
	Retirement Services			Consolidated			Retirement Services			Consolidated
Operating income, net of tax	$	809		$	760		$	769		$	740
Unlocking	158			158			(24		)	(24		)
Deferred tax valuation allowance release	(102		)	(102		)	—			—
Total adjustments	56			56			(24		)	(24		)
Income tax (expense) benefit	(11		)	(11		)	2			2
Operating income, net of tax - ex. unlocking and tax adjustments	$	854		$	805		$	747		$	718

Segment Results

Retirement Services

Q4 Results

In the fourth quarter, our Retirement Services segment generated an operating ROE excluding AOCI of 21.8% and operating income, net of tax of $246 million, as compared to $256 million in the prior year. Operating income, net of tax was driven by strong fixed, other and alternative investment income. Higher investment income was a result of growth in invested assets, higher credit fund income and a favorable increase in the fair value of two of the segment's investment funds. The increase in fair value reflected the removal of liquidity discounts related to marketability assumptions used in the determination of the fair value of certain of the investments, resulting in $28 million of investment income in 2016 compared to $3 million in 2015. The increase was somewhat offset by higher liability costs primarily driven by an increase in rider reserve movements due to growth and higher than expected persistency. Additionally, the fourth quarter of 2015 benefited from favorable mortality gains of $26 million and a $20 million favorable deferred tax valuation allowance release.

Investment margin, which is a key measurement of the health of our core spread business, continues to show strength and momentum. In the fourth quarter, our Retirement Services investment margin on deferred annuities was 2.96%, an increase of 37 basis points over the prior period, including 17 basis points, compared to 2 basis points in prior year, related to the removal of liquidity discounts regarding certain investments mentioned earlier.

Our net investment earned rate was 4.91%, an increase of 38 basis points from the fourth quarter 2015. Our cost of crediting on deferred annuities was 1.95% as compared to 1.94% in the prior year.

Full-Year Results

For the full year 2016, our Retirement Services segment operating income, net of tax was $809 million, as compared to $769 million in the prior year; excluding the unlocking and the deferred tax valuation allowance release, operating income was $107 million, or 14%, higher than prior year, resulting in an ROE excluding AOCI of 20.2%.

The increase in operating income, net of tax was primarily driven by favorable investment income and the release of a deferred tax valuation allowance of $102 million. The increase in fixed and other investment income was driven by growth in invested assets reflecting strong growth in deposits, the reinvestment of Aviva acquired investments, and $58 million in bond call income related to two large redemptions in the first and second quarters of 2016. Alternative investment income increased primarily driven by higher credit fund income due to credit spreads tightening in 2016 compared to credit spreads widening in 2015 and a favorable increase in the fair value of two of the segment's investment funds. The increase in fair value reflected the removal of liquidity discounts related to marketability assumptions used in the determination of the fair value of certain of the investments, resulting in $52 million of investment income in 2016 compared to $11 million in 2015.

Partially offsetting the increase were higher liability costs primarily driven by our annual unlocking of assumptions of $158 million, an increase in rider reserve movements due to growth and higher than expected persistency, an increase in amortization driven by higher gross profits and growth as well as increased operating expenses as we invest in our growth initiatives.

For the full year 2016, our Retirement Services investment margin on deferred annuities was 2.77%, an increase of 32 basis points over the prior period, which includes 8 basis points of bond call income related to two large redemptions and 8 basis points related to the removal of liquidity discounts for certain investments, as compared to 2 basis points in the prior year.

Our net investment earned rate was 4.73%, an increase of 36 basis points from the prior year. Our cost of crediting on deferred annuities was 1.96% as compared to 1.92% in the prior year.

Corporate Segment

Q4 Results

For the fourth quarter of 2016, Corporate and Other operating income, net of tax was $38 million, an increase of $50 million over prior year fourth quarter. The increase was largely driven by strong alternative investment income as a result of credit spreads tightening. Additionally, Germany's operating income, net of tax increased $10 million over the prior year, driven primarily by the release of a deferred tax valuation allowance of $7 million.

Full-Year Results

For the full year 2016, Corporate and Other generated an operating loss, net of tax of $49 million, as compared to a loss of $29 million in the prior year. The increase in operating loss was primarily driven by the decline in market value of public equity positions in one of our funds. This was partially offset by higher credit fund income as a result of credit spreads tightening in 2016 compared to credit spreads widening in 2015 and a $19 million favorable increase due to the removal of liquidity discounts for certain investments.

Reduction of Investment Management Fees

In support of our efforts to achieve profitable growth, we have agreed with Apollo to reduce investment management fees and revise sub-advisory fees, contingent upon approval of certain related changes to our bye-laws by our shareholders. Upon approval, the new investment management fee structure will be retroactive to January 1, 2017 and will continue until otherwise amended.

We currently hold more than $1.5 billion of excess capital, which we expect to use to opportunistically capture incremental growth opportunities while maintaining our underwriting discipline to generate attractive returns for shareholders. The new fee framework results in a lower level of fees for us as we continue to expand our business, and incentivizes both AAM and Apollo to make long-term investments in their capabilities and infrastructure to support our growth.

Currently, we generally pay investment management fees of 40 basis points per year on North American assets, subject to certain rebate agreements. Under the new arrangement, we would pay investment management fees of 40 basis points per year for assets under management up to $65.8 billion and 30 basis points per year for assets in excess of that. The discount on organic deposits generated in 2016 above $5.1 billion will remain in place.

The fee changes were approved by our conflicts committee, while the bye-law amendment recommendation was approved by all of our independent directors, with the changes to the fee framework being conditional on approval by our shareholders of the bye-law amendments.

Conference Call Information

This press release and the fourth quarter and full-year 2016 financial supplement will be posted to the Company’s website at ir.athene.com

Athene will conduct a conference call on Thursday, March 16, 2017 at 10:00 a.m. ET to discuss the fourth quarter and full year 2016 results. Additionally, the company will post an earnings presentation deck on the ir.athene.com website prior to market open on March 16, 2017.


•	Live conference call: Toll-free at 1-888-317-6003 (domestic) or 1-412-317-6061 (international)


•	Participant entry number: 7086531


•	Replay available through March 30, 2017 at 1-877-344-7529 (domestic) or 1-412-317-0088 (international)


•	Replay access code: 10101316


•	Live and archived webcast available at ir.athene.com

Investor Relations Contact: Media Contact:

Paige Hart Karen Lynn

+1 441-279-8527 +1 441-279-8460

+1 310-698-4478 +1 515-342-3910

phart@athene.com klynn@athene.com

About Athene Holding Ltd.

Athene, through its subsidiaries, is a leading retirement services company that issues, reinsures and acquires retirement savings products designed for the increasing number of individuals and institutions seeking to fund retirement needs. The products offered by Athene include:

• Retail fixed and fixed indexed annuity products;

• Co-insurance and reinsurance arrangements with third-party annuity providers; and

• Institutional products, such as funding agreements.

Athene's principal subsidiaries include Athene Annuity & Life Assurance Company, a Delaware-domiciled insurance company, Athene Annuity and Life Company, an Iowa-domiciled insurance company, Athene Annuity & Life Assurance Company of New York and Athene Life Insurance Company of New York, New York-domiciled insurance companies, Athene Life Re Ltd., a Bermuda-domiciled reinsurer and Athene Lebensversicherung AG, a German-based life insurance company.

Further information about our companies can be found at www.athene.com.

Non-GAAP Measures

In addition to our results presented in accordance with GAAP, our results of operations include certain non-GAAP measures commonly used in our industry. Management believes the use of these non-GAAP measures, together with the relevant GAAP measures, provides a better understanding of our results of operations and the underlying profitability drivers of our business. The majority of these non-GAAP measures are intended to remove from the results of operations the impact of market volatility (other than with respect to alternative investments) as well as integration, restructuring and certain other expenses which are not part of our underlying profitability drivers or likely to re-occur in the foreseeable future, as such items fluctuate from period-to-period in a manner inconsistent with these drivers. These measures should be considered supplementary to our results in accordance with GAAP and should not be viewed as a substitute for the GAAP measures. See Non-GAAP Measure Reconciliations for the appropriate reconciliations to the GAAP measures.

Operating income, net of tax, a commonly used operating measure in the life insurance industry, is a non-GAAP measure used to evaluate our financial performance excluding market volatility and expenses related to integration, restructuring, stock compensation, and other expenses. Our operating income, net of tax, equals net income available to AHL’s shareholders adjusted to eliminate the impact of the following (collectively, the “non-operating adjustments”):


•	Investment Gains (Losses), Net of Offsets


•	Change in Fair Values of Derivatives and Embedded Derivatives - FIAs, Net of Offsets


•	Integration, Restructuring, and Other Non-operating Expenses


•	Stock Compensation Expense


•	Bargain Purchase Gain


•	Income Tax (Expense) Benefit - Non-operating

We consider these non-operating adjustments to be meaningful adjustments to net income available to AHL's shareholders and we believe using a measure which excludes the impact of these items is effective in analyzing the trends in our results of operations. Together with net income available to AHL's shareholders, we believe operating income, net of tax, provides a meaningful financial metric that helps investors understand our underlying results and profitability. Operating income, net of tax, should not be used as a substitute for net income available to AHL's shareholders.

underlying profitability drivers as the majority of such fluctuation is related to the market volatility of the unrealized gains and losses associated with our AFS securities. Once we have reinvested acquired blocks of businesses, we typically buy and hold AFS investments to maturity throughout the duration of market fluctuations. Therefore, the period-over-period impacts in unrealized gains and losses are not necessarily indicative of current operating fundamentals or future performance. Accordingly, we believe using measures which exclude AOCI is more effective in analyzing the trends of our operations. To enhance the ability to analyze these measures across periods, interim periods are annualized. ROE excluding AOCI and operating ROE excluding AOCI should not be used as a substitute for ROE. However, we believe the adjustments to equity are significant to gaining an understanding of our overall results of operations.

Operating earnings per share - operating diluted Class A, weighted average shares outstanding - operating diluted Class A common shares and book value per share excluding AOCI are non-GAAP measures used to evaluate our financial performance and financial condition. The non-GAAP measures adjust the number of shares included in the corresponding GAAP measures to reflect the conversion or settlement of all shares and other stock-based awards outstanding. We believe using these measures represent an economic view of our share counts and provide a simplified and consistent view of our outstanding shares. Operating earnings per share - operating diluted Class A is calculated as the operating income, net of tax over the weighted average shares outstanding - operating diluted Class A common shares. Book value per share excluding AOCI is calculated as the ending AHL shareholders' equity excluding AOCI divided by the operating diluted Class A common shares outstanding. Our Class B common shares are economically equivalent to Class A common shares and can be converted to Class A common shares on a one-for-one basis at any time. Our Class M common shares are in the legal form of shares but economically function as options as they are convertible into Class A shares after vesting and settlement of the conversion price. In calculating Class A diluted earnings per share on a GAAP basis, we are required to apply sequencing rules to determine the dilutive impacts, if any, of our Class B common shares, Class M common shares and any other stock-based awards. To the extent our Class B common shares, Class M common shares and/or any other stock-based awards are not dilutive they are excluded. Weighted average shares outstanding - operating diluted Class A common shares and operating diluted Class A common shares outstanding assume conversion or settlement of all outstanding items that are able to be converted to or settled in Class A common shares, including the impacts of Class B common shares on a one-for-one basis, the impacts of all Class M common shares net of the conversion price and any other stock-based awards. For December 31, 2015 and prior, Class M shares were not included due to issuance restrictions which were contingent upon our IPO. Operating earnings per share - operating diluted Class A, weighted average shares outstanding - operating diluted Class A common shares and book value per share excluding AOCI should not be used as a substitute for basic earnings per share - Class A common shares, basic weighted average shares outstanding - Class A or book value per share. However, we believe the adjustments to the shares and equity are significant to gaining an understanding of our overall results of operations and financial condition.



Weighted Average Share Count - Dividend Eligible
	Q4'16			FY'16
	(mm shares)	% total		(mm shares)	% total
Class A	58.3	31	%	52.1	28	%
Class B	130.0	69	%	134.5	72	%
Class M-1	0.9	—	%	0.2	—	%
Total	189.2	100	%	186.8	100	%



Weighted Average Shares Outstanding - diluted Class A
	Q4'16			FY'16
	(mm shares)	% total		(mm shares)	% total
Class A	58.3	91	%	52.1	97	%
Dilutive effect of Class M and other stock compensation plans	5.6	9	%	1.4	3	%
Total	63.9	100	%	53.5	100	%



Metric	Q4'16	FY'16	Description
Net Income	$368	$805
Weighted Avg. Shares Outstanding – Basic	189.2	186.8	Per GAAP, only shares that are eligible for dividends currently should be included in basic EPS. This includes the sum of basic weighted average shares for Class A, B, and M1 and excludes Class M2, M3 and M4 shares. Class M shares are only eligible to receive dividends if ROI condition has been satisfied. As of 12/31, only Class M-1 shares had satisfied the condition.
Earnings per Share - Basic	$1.94	$4.31
Allocated Net Income to diluted Class A shares	$115	$225	Allocated net income to diluted Class A shares was 31% of total net income in Q4 and 28% in 2016.
Weighted Avg. Shares Outstanding – diluted Class A	63.9	53.5	Per GAAP, to calculate earnings per diluted Class A share we use Class A shares and equity instruments convertible into Class A shares that are considered dilutive. As of 12/31, for the quarter and full year, dilutive securities included Class M1, M2, M3 and M4 shares as well as certain LTIP incentive awards. As of 12/31, for the quarter and full year, the Class B shares are excluded from the calculation as they are considered anti-dilutive. Per GAAP, we allocate a portion of total net income to each class of shares eligible to receive dividends (see table above). Each Class A and B share is eligible to receive dividends. Class M shares are only eligible to receive dividends to the extent that an ROI condition has been satisfied. As of 12/31, that condition had been satisfied for only the Class M-1 shares. The net income allocated to each class is based on their respective basic weighted average share count in relation to the total basic weighted average share count of dividend eligible classes outstanding (see table). Additionally, on a diluted basis for Class A, the allocated net income is adjusted to reflect the inclusion of any equity instruments convertible into Class A shares and considered dilutive. For example, for 2016 Class A shares received 28% of $805M or $225M, which when divided by the 53.5M diluted weighted average shares results in diluted EPS of $4.21/share. The reason why Class B’s are anti-dilutive is that the Class B EPS is $4.31 and as the marginal impact of $4.31 is greater than the diluted A value of $4.21, adding B’s to the calculation would result in an increase to EPS.
Earnings per Share – Diluted Class A	$1.80	$4.21
Operating Income, net of tax	$284	$760
Weighted Avg. Shares Outstanding – operating diluted Class A	194.2	193.4	A non-GAAP method for calculating weighted average share count which assumes conversion or settlement of all outstanding items that are able to be converted to or settled into Class A shares, including the weighted average of all Class B and M shares and all other stock awards on a net basis assuming settlement at the conversion price.
Operating earnings per share, operating diluted Class A	$1.46	$3.93

Investment margin is a key measurement of the financial health of our Retirement Services core deferred annuities. Investment margin on our deferred annuities is generated from the excess of our net investment earned rate over the cost of crediting to our policyholders. Net investment earned rate is a key measure of investment returns and cost of crediting is a key measure of the policyholder benefits on our deferred annuities. Net investment earned rate, cost of crediting and investment margin on deferred annuities are non-GAAP measures we use to evaluate the profitability of our core deferred annuities business. We believe measures like net investment earned rate, cost of crediting and investment margin on deferred annuities are effective in analyzing the trends of our core business operations, profitability and pricing discipline. While we believe net investment earned rate, cost of crediting and investment margin on deferred annuities are meaningful financial metrics and enhance our understanding of the underlying profitability drivers of our business, they should not be used as a substitute for net investment income and interest sensitive contract benefits presented under GAAP.

•

Net investment earned rate is a non-GAAP measure we use to evaluate the performance of our invested assets that does not correspond to GAAP net investment income. Net investment earned rate is computed as the income from our invested assets divided by the average invested assets for the relevant period. To enhance the ability to analyze these measures across periods, interim periods are annualized. The adjustments to arrive at our net investment earned rate add alternative investment gains and losses, gains and losses related to trading securities for CLOs, net VIE impacts (revenues, expenses and noncontrolling interest) and the change in reinsurance embedded derivatives. We include the income and assets supporting our assumed reinsurance by evaluating the underlying investments of the funds withheld at interest receivables and we include the net investment income from those underlying investments which does not correspond to the GAAP presentation of reinsurance embedded derivatives. We exclude the income and assets supporting business that we have exited through ceded reinsurance including funds

withheld agreements. We believe the adjustments for reinsurance provide a net investment earned rate on the assets for which we have economic exposure.

•

Cost of crediting is the interest credited to the policyholders on our fixed strategies as well as the option costs on the index annuity strategies. With respect to FIAs, the cost of providing index credits includes the expenses incurred to fund the annual index credits, and where applicable, minimum guaranteed interest credited. The interest credited on fixed strategies and option costs on index annuity strategies are divided by the average account value of our deferred annuities. Under GAAP, deposits and withdrawals for fixed indexed and fixed rate annuities are reported as deposit liabilities (or policyholder funds). Our average account values are averaged over the number of quarters in the relevant period to obtain our cost of crediting for such period. To enhance the ability to analyze these measures across periods, interim periods are annualized.

In managing our business we analyze invested assets, which do not correspond to total investments, including investments in related parties, as disclosed in our consolidated financial statements and notes thereto. Invested assets represent the investments that directly back our policyholder liabilities as well as surplus assets. Invested assets is used in the computation of net investment earned rate, which allows us to analyze the profitability of our investment portfolio. Invested assets includes (a) total investments on the consolidated balance sheets with AFS securities at cost or amortized cost, excluding derivatives, (b) cash and cash equivalents and restricted cash, (c) investments in related parties, (d) accrued investment income, (e) the consolidated VIE assets, liabilities and noncontrolling interest and (f) policy loans ceded (which offset the direct policy loans in total investments). Invested assets also excludes assets associated with funds withheld liabilities related to business exited through reinsurance agreements and derivative collateral (offsetting the related cash positions). We include the underlying investments supporting our assumed funds withheld and modco agreements in our invested assets calculation in order to match the assets with the income received. We believe the adjustments for reinsurance provide a view of the assets for which we have economic exposure. Our invested assets are averaged over the number of quarters in the relevant period to compute our net investment earned rate for such period.

Sales statistics do not correspond to revenues under GAAP, but are used as relevant measures of understanding our business performance. Our sales statistics include fixed rate annuities and FIAs and align with the LIMRA definition of all money paid into an individual annuity, including money paid into new contracts with initial purchase occurring in the specified period and existing contracts with initial purchase occurring prior to the specified period (excluding internal transfers).

Forward Looking Statements

This press release contains, and certain oral statements made by our representatives from time to time may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are subject to risks and uncertainties that could cause actual results, events and developments to differ materially from those set forth in, or implied by, such statements. These statements are based on the beliefs and assumptions of AHL’s management and the management of AHL’s subsidiaries. Generally, forward-looking statements include actions, events, results, strategies and expectations and are often identifiable by use of the words “believes,” “expects,” “intends,” “anticipates,” “plans,” “seeks,” “estimates,” “projects,” “may,” “will,” “could,” “might,” or “continues” or similar expressions. Factors that could cause actual results, events and developments to differ include, without limitation: the accuracy of our assumptions and estimates; our ability to maintain or improve financial strength ratings; our ability to manage our business in a highly regulated industry; regulatory changes or actions; the impact of our reinsurers failing to meet their assumed obligations; the impact of interest rate fluctuations; changes in the federal income tax laws and regulations; litigation (including class action litigation), enforcement investigations or regulatory scrutiny; the performance of third parties; the loss of key personnel; telecommunication, information technology and other operational systems failures; the continued availability of capital; new accounting rules or changes to existing accounting rules; general economic conditions; our ability to protect our intellectual property; the ability to maintain or obtain approval of the Delaware Department of Insurance, the Iowa Insurance Division and other regulatory authorities as required for our operations; and other factors discussed from time to time in AHL’s filings with the SEC, including our Registration Statement on Form S-1, as amended (File No. 333-211243), which can be found at the SEC’s website www.sec.gov.

All forward-looking statements described herein are qualified by these cautionary statements and there can be no assurance that the actual results, events or developments referenced herein will occur or be realized. We do not undertake any obligation to update or revise forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events or changes to future operation results.

# # #

Athene Holding Ltd.

Condensed Consolidated Balance Sheets (unaudited)



	December 31,
(In millions)	2016		2015
Assets
Investments
Available-for-sale securities, at fair value
Fixed maturity securities	$	52,033	$	47,816
Equity securities	353		407
Trading securities, at fair value	2,581		2,468
Mortgage loans, net of allowances	5,470		5,500
Investment funds	689		733
Policy loans	602		642
Funds withheld at interest	6,538		3,482
Derivative assets	1,370		871
Real estate	542		566
Short-term investments, at fair value	189		135
Other investments	81		83
Total investments	70,448		62,703
Cash and cash equivalents	2,445		2,714
Restricted cash	57		116
Investments in related parties
Available-for-sale securities, at fair value
Fixed maturity securities	335		308
Equity securities	20		—
Trading securities, at fair value	195		217
Investment funds	1,198		997
Short-term investments	—		55
Other investments	237		245
Accrued investment income	554		520
Reinsurance recoverable	6,001		7,257
Deferred acquisition costs, deferred sales inducements, and value of business acquired	2,964		2,663
Current income tax recoverable	107		113
Deferred tax assets	369		606
Other assets	869		749
Assets of consolidated variable interest entities:
Investments
Available-for-sale securities, at fair value
Equity securities - related party	161		—
Trading securities, at fair value
Fixed maturity securities	50		722
Equity securities - related party	117		309
Investment funds	573		534
Cash and cash equivalents	14		6
Other assets	6		20
Total assets	$	86,720	$	80,854



	December 31,
(In millions)	2016		2015
Liabilities and Equity
Liabilities
Interest sensitive contract liabilities	$	61,532	$	57,296
Future policy benefits	14,569		14,540
Other policy claims and benefits	217		234
Dividends payable to policyholders	974		856
Derivative liabilities	40		17
Payables for collateral on derivatives	1,383		867
Funds withheld liability	380		388
Other liabilities	685		776
Liabilities of consolidated variable interest entities
Borrowings	—		500
Other liabilities	34		17
Total liabilities	79,814		75,491
Equity
Common stock	—		—
Additional paid-in capital	3,421		3,281
Retained earnings	3,117		2,318
Accumulated other comprehensive income (loss)	367		(237		)
Total Athene Holding Ltd. shareholders' equity	6,905		5,362
Noncontrolling interest	1		1
Total equity	6,906		5,363
Total liabilities and equity	$	86,720	$	80,854

Athene Holding Ltd.

Condensed Consolidated Statement of Income (unaudited)



	Three months ended December 31,						Years ended December 31,
(In millions, except per share data)	2016			2015			2016			2015
Revenue
Premiums	$	35		$	96		$	240		$	195
Product charges	75			64			281			248
Net investment income	773			678			2,916			2,508
Investment related gains (losses)	129			179			652			(430		)
OTTI investment losses:	—
OTTI losses	(1		)	(13		)	(32		)	(40		)
OTTI losses (gains) recognized in OCI	(2		)	2			2			10
Net OTTI losses	(3		)	(11		)	(30		)	(30		)
Other revenues	9			9			34			25
Revenues of consolidated variable interest entities:
Net investment income	27			30			67			67
Investment related gains (losses)	17			—			(53		)	33
Total revenues	1,062			1,045			4,107			2,616
Benefits and Expenses
Interest sensitive contract benefits	225			417			1,293			690
Amortization of DSI	20			6			40			20
Future policy and other policy benefits	181			178			1,043			517
Amortization of DAC and VOBA	101			59			304			203
Interest expense	3			2			9			17
Dividends to policyholders	(28		)	(5		)	37			28
Policy and other operating expenses	174			164			615			532
Operating expenses of consolidated variable interest entities
Interest expense	—			4			12			15
Other operating expenses	—			—			1			2
Total benefits and expenses	676			825			3,354			2,024
Income before income taxes	386			220			753			592
Income tax expense (benefit)	18			(22		)	(52		)	14
Net income	368			242			805			578
Less: Net income attributable to noncontrolling interests	—			—			—			16
Net income available to AHL shareholders	$	368		$	242		$	805		$	562

Non-GAAP Measure Reconciliations

The reconciliation of basic earnings per Class A common share to operating earnings per operating dilutive Class A common share is as follows:



	Three months ended December 31,						Years ended December 31,
(In millions)	2016			2015			2016			2015
Operating income, net of tax – per operating dilutive Class A common share	$	1.46		$	1.32		$	3.93		$	4.23
Investment gains (losses), net of offsets	(0.25		)	(0.20		)	0.24			(0.33		)
Change in fair values of derivatives and embedded derivatives - FIAs, net of offsets	0.92			0.36			0.51			(0.15		)
Integration, restructuring and other non-operating expenses	(0.07		)	(0.15		)	(0.12		)	(0.33		)
Stock compensation expense	(0.10		)	(0.09		)	(0.41		)	(0.38		)
Income tax (expense) benefit - non-operating	(0.07		)	0.06			0.01			0.17
Total non-operating adjustments	0.43			(0.02		)	0.23			(1.02		)
Effect of items convertible to or settled in Class A common shares	0.05			—			0.15			—
Basic earnings per share – Class A common shares	$	1.94		$	1.30		$	4.31		$	3.21

The reconciliation of basic weighted average Class A shares to operating diluted Class A shares is as follows:



	Three months ended December 31,		Years ended December 31,
(In millions)	2016	2015	2016	2015
Basic weighted average shares outstanding - Class A	58.3	49.9	52.1	41.2
Conversion of Class B shares to Class A shares	130.0	136.0	134.4	133.9
Conversion of Class M shares to Class A shares	5.5	—	6.6	—
Effect of other stock compensation plans	0.4	0.1	0.2	0.1
Weighted average shares outstanding - operating diluted Class A common shares	194.2	186.0	193.4	175.2

The reconciliation of AHL shareholders’ equity to AHL shareholders’ equity excluding AOCI included in ROE excluding AOCI, operating income ROE excluding AOCI and book value per share excluding AOCI is as follows:



	December 31,
(In millions)	2016		2015
Total AHL shareholders' equity	$	6,905	$	5,362
Less: AOCI	367		(237		)
Total AHL shareholders' equity excluding AOCI	$	6,538	$	5,599

Retirement Services	$	4,495	$	3,974
Corporate and Other	2,043		1,625
Total AHL shareholders' equity excluding AOCI	$	6,538	$	5,599

The reconciliation of basic Class A shares outstanding to operating diluted Class A outstanding shares is as follows:



	December 31,
(In millions)	2016	2015
Class A common shares outstanding	77.0	50.2
Conversion of Class B shares to Class A shares	111.8	136.0
Conversion of Class M shares to Class A shares	6.8	—
Effect of other stock compensation plans	0.7	—
Operating diluted Class A common shares outstanding	196.4	186.1

The reconciliation of book value per share to book value per share, excluding AOCI is as follows:



	December 31,
	2016			2015
Book value per share	$	35.91		$	28.81
AOCI	(1.91		)	1.28
Effect of items convertible to or settled in Class A common shares	(0.71		)	—
Book value per share, excluding AOCI	$	33.29		$	30.09

The reconciliation of net investment income to net investment earnings and earned rate is as follows:



	Three months ended December 31,										Years ended December 31,
	2016					2015					2016					2015
(In millions)	Dollar			Rate		Dollar			Rate		Dollar			Rate		Dollar			Rate
GAAP net investment income	$	773		4.30	%	$	678		4.05	%	$	2,916		4.19	%	$	2,508		4.06	%
Reinsurance embedded derivative impacts	45			0.25	%	26			0.16	%	189			0.27	%	84			0.15	%
Net VIE earnings	44			0.25	%	26			0.16	%	1			—	%	67			0.11	%
Alternative income gain (loss)	(4		)	(0.02	)%	(40		)	(0.24	)%	(39		)	(0.06	)%	(42		)	(0.07	)%
Other	(16		)	(0.09	)%	—			—	%	(35		)	(0.05	)%	(9		)	(0.01	)%
Total adjustments to arrive at net investment earnings/earned rate	69			0.39	%	12			0.08	%	116			0.16	%	100			0.18	%
Total net investment earnings/earned rate	$	842		4.69	%	$	690		4.13	%	$	3,032		4.35	%	$	2,608		4.24	%

Retirement Services	$	793		4.91	%	$	675		4.53	%	$	2,955		4.73	%	$	2,572		4.37	%
Corporate and Other	49			2.76	%	15			0.83	%	77			1.08	%	36			1.38	%
Total net investment earnings/earned rate	$	842		4.69	%	$	690		4.13	%	$	3,032		4.35	%	$	2,608		4.24	%

Retirement Services average invested assets	$	64,639				$	59,587				$	62,509				$	58,917
Corporate and Other average invested assets	7,074					7,246					7,113					2,567
Average invested assets	$	71,713				$	66,833				$	69,622				$	61,484

The reconciliation of interest sensitive contract benefits to Retirement Services' cost of crediting on deferred annuities, and the respective rates, is as follows:



	Three months ended December 31,										Years ended December 31,
	2016					2015					2016					2015
(In millions)	Dollar			Rate		Dollar			Rate		Dollar			Rate		Dollar			Rate
GAAP interest sensitive contract benefits	$	225		1.65	%	$	417		3.39	%	$	1,293		2.48	%	$	690		1.42	%
Interest credited other than deferred annuities	(21		)	(0.15	)%	(30		)	(0.24	)%	(110		)	(0.21	)%	(94		)	(0.19	)%
FIA option costs	143			1.05	%	133			1.08	%	559			1.08	%	510			1.04	%
Product charges (strategy fees)	(15		)	(0.11	)%	(10		)	(0.08	)%	(53		)	(0.10	)%	(33		)	(0.07	)%
Reinsurance embedded derivative impacts	8			0.06	%	5			0.04	%	29			0.06	%	18			0.04	%
Change in fair values of embedded derivatives - FIAs	(72		)	(0.53	)%	(269		)	(2.19	)%	(730		)	(1.41	)%	(174		)	(0.36	)%
Negative VOBA amortization	12			0.09	%	17			0.14	%	48			0.09	%	68			0.14	%
Unit linked change in reserve	(14		)	(0.10	)%	(27		)	(0.22	)%	(15		)	(0.03	)%	(27		)	(0.06	)%
Other changes in interest sensitive contract liabilities	(2		)	(0.01	)%	2			0.02	%	(2		)	—	%	(18		)	(0.04	)%
Total adjustments to arrive at cost of crediting on deferred annuities	39			0.30	%	(179		)	(1.45	)%	(274		)	(0.52	)%	250			0.50	%
Retirement Services cost of crediting on deferred annuities	$	264		1.95	%	$	238		1.94	%	$	1,019		1.96	%	$	940		1.92	%

Average account value on deferred annuities	$	54,358				$	49,139				$	51,921				$	48,956

The reconciliation of total investments, including related parties, to invested assets is as follows:



	December 31,
(In millions)	2016			2015
Total investments, including related parties	$	72,433		$	64,525
Derivative assets	(1,370		)	(871		)
Cash and cash equivalents (including restricted cash)	2,502			2,830
Accrued income	554			520
Derivative collateral	(1,383		)	(867		)
Reinsurance funds withheld and modified coinsurance	(414		)	(214		)
VIE assets, liabilities and noncontrolling interest	886			1,073
AFS unrealized (gain) loss	(1,030		)	362
Ceded policy loans	(344		)	(399		)
Total adjustments to arrive at invested assets	(599		)	2,434
Total invested assets	$	71,834		$	66,959

EX-99.2 3 financialsupplement10k2016.htm EXHIBIT 99.2 Exhibit

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Table of Contents



A.	Financial Highlights
	Note to the Financial Supplement	1
	Financial Highlights	4
	Capitalization and Equity	5
	Condensed Consolidated Balance Sheets	6
	Consolidated Results of Operations	8
	Segment Results of Operations	9

B.	Product Summary - Retirement Services
	Investment Margin on Deferred Annuities	11
	Annuity Liability Characteristics	12
	Consolidated Reserve Summary	14

C.	Consolidated Investment Summary
	Investments Summary	15
	Fixed Maturity Securities by Sector	16
	Credit Quality of Fixed Maturity Securities	16
	Mortgage Loans by Property Type and Region	18
	Investment Funds	19
	Funds Withheld At Interest Summary	19
	Invested Assets Summary	20

D.	Additional Information
	Financial Strength Ratings and Regulatory Capital	22
	Non-GAAP Financial Measures Reconciliations	23

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Note to the Financial Supplement

Key Operating and Non-GAAP Measures

Operating Income, Net of Tax

Our operating income, net of tax, equals net income available to AHL’s shareholders adjusted to eliminate the impact of the following

(collectively, the “non-operating adjustments”):

•

Investment Gains (Losses), Net of Offsets - Investment gains (losses), net of offsets, consist of the realized gains and losses on the sale of AFS securities, the change in assumed modco and funds withheld reinsurance embedded derivatives, unrealized gains and losses, impairments, and other investment gains and losses. Unrealized, impairments and other investment gains and losses are comprised of the fair value adjustments of trading securities (other than CLOs) and investments held under the fair value option, derivative gains and losses not hedging FIA index credits, and the net OTTI impacts recognized in operations net of the change in AmerUs Closed Block fair value reserve related to the corresponding change in fair value of investments and the change in unit linked reserves related to the corresponding trading securities. Investment gains and losses are net of offsets related to DAC, DSI, and VOBA amortization and changes to GLWB and guaranteed minimum death benefits (GMDB) reserves as well as the MVAs associated with surrenders or terminations of contracts.

•

Change in Fair Values of Derivatives and Embedded Derivatives - FIAs, Net of Offsets - Impacts related to the fair value accounting for derivatives hedging the FIA index credits and the related embedded derivative liability fluctuate from period-to-period. The index reserve is measured at fair value for the current period and all periods beyond the current policyholder index term. However, the FIA hedging derivatives are purchased to hedge only the current index period. Upon policyholder renewal at the end of the period, new FIA hedging derivatives are purchased to align with the new term. The difference in duration between the FIA hedging derivatives and the index credit reserves creates a timing difference in earnings. This timing difference of the FIA hedging derivatives and index credit reserves is included as a non-operating adjustment, net of offsets related to DAC, DSI, and VOBA amortization and changes to GLWB and GMDB reserves.

We primarily hedge with options that align with the index terms of our FIA products (typically 1-2 years). From an economic basis, we believe this is suitable because policyholder accounts are credited with index performance at the end of each index term. However, because the “value of an embedded derivative” in an FIA contract is longer-dated, there is a duration mismatch which may lead to mismatches for accounting purposes.


•	Integration, Restructuring, and Other Non-operating Expenses - Integration, restructuring, and other non-operating expenses consist of restructuring and integration expenses related to mergers and acquisitions as well as certain other expenses which are not part of our core operations or likely to re-occur in the foreseeable future.


•	Stock Compensation Expense - To date, stock compensation expenses associated with our share incentive plans, excluding our long term incentive plan, are not part of our core operating expenses and fluctuate from time to time due to the structure of our plans.


•	Bargain Purchase Gain - Bargain purchase gains associated with acquisitions are adjustments to net income as they are not consistent with our core operations.


•	Provision for Income Taxes - Non-operating - The non-operating income tax expense is comprised of the appropriate jurisdiction's tax rate applied to the non-operating adjustments that are subject to income tax.

We consider these non-operating adjustments to be meaningful adjustments to net income available to AHL's shareholders for the reasons discussed in greater detail above. Accordingly, we believe using a measure which excludes the impact of these items is effective in analyzing the trends in our results of operations. Together with net income available to AHL's shareholders, we believe operating income, net of tax, provides a meaningful financial metric that helps investors understand our underlying results and profitability. Operating income, net of tax, should not be used as a substitute for net income available to AHL's shareholders.

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Note to the Financial Supplement

ROE Excluding AOCI and Operating ROE Excluding AOCI

ROE excluding AOCI and operating ROE excluding AOCI are non-GAAP measures used to evaluate our financial performance excluding the impacts of AOCI. AOCI fluctuates period-to-period in a manner inconsistent with our underlying profitability drivers as the majority of such fluctuation is related to the market volatility of the unrealized gains and losses associated with our AFS securities. Once we have reinvested acquired blocks of businesses, we typically buy and hold AFS investments to maturity throughout the duration of market fluctuations, therefore, the period-over-period impacts in unrealized gains and losses are not necessarily indicative of current operating fundamentals or future performance. Accordingly, we believe using measures which exclude AOCI is more effective in analyzing the trends of our operations. To enhance the ability to analyze these measures across periods, interim periods are annualized. ROE excluding AOCI and operating ROE excluding AOCI should not be used as a substitute for ROE. However, we believe the adjustments to equity are significant to gaining an understanding of our overall results of operations.

Operating Earnings Per Share - Operating Diluted Class A, Weighted Average Shares Outstanding - Operating Diluted Class A Common Shares and Book Value Per Share Excluding AOCI

Retirement Services Net Investment Earned Rate, Cost of Crediting and Investment Margin on Deferred Annuities

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Note to the Financial Supplement

Net investment earned rate, cost of crediting and investment margin on deferred annuities are non-GAAP measures we use to evaluate the profitability of our core deferred annuities business. Deferred annuities include our fixed rate annuities and FIAs, which account for approximately 80% of our Retirement Services reserve liabilities as of December 31, 2016. We believe measures like net investment earned rate, cost of crediting and investment margin on deferred annuities are effective in analyzing the trends of our core business operations, profitability and pricing discipline. While we believe net investment earned rate, cost of crediting and investment margin on deferred annuities are meaningful financial metrics and enhance our understanding of the underlying profitability drivers of our business, they should not be used as a substitute for net investment income and interest sensitive contract benefits presented under GAAP.

Invested Assets

Reserve Liabilities

In managing our business we also analyze reserve liabilities, which does not correspond to total liabilities as disclosed in our consolidated

financial statements and notes thereto. Reserve liabilities represents our policyholder liability obligations net of reinsurance. Reserve liabilities is used to analyze the costs of our liabilities. Reserve liabilities includes (a) the interest sensitive contract liabilities, (b) future policy benefits, (c) dividends payable to policyholders, and (d) other policy claims and benefits, offset by reinsurance recoverables, excluding policy loans ceded. Reserve liabilities is net of the ceded liabilities to third-party reinsurers as the costs of the liabilities are passed to such reinsurers and therefore we have no net economic exposure to such liabilities, assuming our reinsurance counterparties perform under our agreements. The majority of our ceded reinsurance is a result of reinsuring large blocks of life business following acquisitions. For such transactions, GAAP requires the ceded liabilities and related reinsurance recoverables to continue to be recorded in our consolidated financial statements despite the transfer of economic risk to the counterparty in connection with the reinsurance transaction.

Sales

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Financial Highlights

Unaudited (In millions, except percentages and per share data)



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
						Deposits
$	5,309		$	2,478		Retail sales	$	1,492		$	2,011		$	1,143		$	663		$	571
3,449			1,131			Flow reinsurance	348			871			1,318			912			474
—			250			FABN	—			—			—			—			250
$	8,758		$	3,859		Total deposits	$	1,840		$	2,882		$	2,461		$	1,575		$	1,295

						Consolidated results of operations
$	805		$	562		Net income	$	368		$	158		$	192		$	87		$	242
760			740			Operating income, net of taxes	284			146			178			152			244

13.1		%	11.3		%	ROE	21.0		%	9.4		%	12.7		%	6.3		%	17.8		%
13.3		%	11.8		%	ROE excluding AOCI	23.2		%	10.5		%	13.3		%	6.2		%	17.7		%
12.5		%	15.6		%	Operating ROE excluding AOCI	17.9		%	9.7		%	12.3		%	10.8		%	17.9		%

						Retirement Services
$	809		$	769		Operating income, net of taxes	$	246		$	171		$	195		$	197		$	256
19.1		%	22.7		%	Operating ROE excluding AOCI	21.8		%	15.4		%	18.6		%	19.7		%	26.8		%

						Earnings per share
$	4.31		$	3.21		Basic¹	$	1.94		$	0.85		$	1.03		$	0.47		$	1.30
$	4.21		$	3.21		Diluted - Class A²	$	1.80		$	0.85		$	1.03		$	0.47		$	1.30
$	3.93		$	4.23		Operating earnings per share - operating diluted Class A³	$	1.46		$	0.78		$	0.95		$	0.82		$	1.32

						Book Value per share:
$	35.91		$	28.81		Book value per share	$	35.91		$	38.00		$	34.62		$	30.28		$	28.81
$	33.29		$	30.09		Book value per share, excluding AOCI³	$	33.29		$	31.76		$	31.46		$	30.55		$	30.09

						Balance sheet items:
$	86,720		$	80,854		Total assets	$	86,720		$	87,000		$	84,301		$	81,601		$	80,854
71,834			66,959			Invested assets	71,834			71,595			69,859			67,865			66,959
79,814			75,491			Total liabilities	79,814			79,926			77,863			75,962			75,491
70,951			65,271			Reserve liabilities	70,951			70,892			68,335			66,461			65,271
6,905			5,362			Total Athene Holding Ltd. shareholders' equity	6,905			7,073			6,437			5,638			5,362
6,538			5,599			Athene Holding Ltd. shareholders' equity excluding AOCI	6,538			6,153			5,868			5,690			5,599
—		%	—		%	Debt to equity (excluding AOCI) ratio	—		%	—		%	—		%	—		%	—		%

						Share data:
186.8			175.1			Weighted average shares outstanding - basic¹	189.2			185.8			186.0			186.0			185.9
53.5			41.3			Weighted average shares outstanding - diluted - Class A common shares²	63.9			49.9			50.1			50.1			50.0
193.4			175.2			Weighted average shares outstanding - operating diluted Class A common shares³	194.2			185.9			186.1			186.0			186.0
192.3			186.1			Common shares outstanding⁴	192.3			185.9			185.9			186.2			186.1
196.4			186.1			Operating diluted Class A common shares outstanding³	196.4			193.8			186.5			186.2			186.1

^*Please refer to Note to the Financial Supplement section and the Non-GAAP Financial Measures Reconciliations for discussion on operating income, net of taxes, ROE excluding AOCI, operating ROE excluding AOCI and book value per share excluding AOCI.

^*During the three months ended December 31, 2016, we recorded out-of-period adjustments that affected the consolidated statements of income for the three months ended September 30, 2016. These adjustments primarily related to DAC and VOBA amortization. In addition, during the three months ended September 30, 2016, we recorded out-of-period adjustments that primarily affected the consolidated statements of income for the year ended December 31, 2015. These out-of-period adjustments were primarily related to actuarial reserves, net of DAC and VOBA amortization. As a result of these out-of-period adjustments, the consolidated net income for the three months ended December 31, 2016 was understated by $5 million while the operating income, net of tax was understated by $1 million and the consolidated net income for the three months ended September 30, 2016 was overstated by $23 million while the operating income, net of tax was overstated by $19 million.

¹ Basic earnings per share, including basic weighted average shares outstanding, includes all classes eligible to participate in dividends for each period presented.

² Diluted earnings per share on a GAAP basis for Class A common shares, including diluted Class A weighted average shares outstanding, includes the dilutive impacts, if any, of Class B common shares, Class M common shares and any other stock-based awards.

³ Represents Class A common shares outstanding or weighted average common shares outstanding assuming conversion or settlement of all outstanding items that are able to be converted to or settled in Class A common shares, including the impacts of Class B common shares, Class M common shares and any other stock-based awards. For September 30, 2016 and prior, Class M shares were not included due to issuance restrictions which were contingent upon our IPO, except for the Class M share agreements impacted by the modification as of September 30, 2016.

⁴ Represents common shares outstanding for all classes eligible to participate in dividends for each period presented.

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Capitalization and Equity

Unaudited (In millions, except percentages)



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
						Capitalization
$	—		$	—		Total debt¹	$	—		$	—		$	—		$	—		$	—
6,905			5,362			Total Athene Holding Ltd. shareholders' equity	6,905			7,073			6,437			5,638			5,362
6,905			5,362			Total capitalization	6,905			7,073			6,437			5,638			5,362
367			(237		)	Less: AOCI	367			920			569			(52		)	(237		)
$	6,538		$	5,599		Total capitalization excluding AOCI	$	6,538		$	6,153		$	5,868		$	5,690		$	5,599

						Equity by segment
$	4,495		$	3,974		Retirement Services	$	4,495		$	4,584		$	4,243		$	4,071		$	3,974
2,043			1,625			Corporate and Other	2,043			1,569			1,625			1,619			1,625
6,538			5,599			Total AHL shareholders' equity excluding AOCI	6,538			6,153			5,868			5,690			5,599
367			(237		)	AOCI	367			920			569			(52		)	(237		)
$	6,905		$	5,362		Total AHL shareholders' equity	$	6,905		$	7,073		$	6,437		$	5,638		$	5,362

—		%	—		%	Debt to equity (excluding AOCI) ratio	—		%	—		%	—		%	—		%	—		%

¹ Total debt is not including debt within a consolidated VIE.

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Condensed Consolidated Balance Sheets

Unaudited (In millions)



	December 31, 2016		December 31, 2015
Assets
Investments:
Available-for-sale securities, at fair value
Fixed maturity securities	$	52,033	$	47,816
Equity securities	353		407
Trading securities, at fair value	2,581		2,468
Mortgage loans, net of allowances	5,470		5,500
Investment funds	689		733
Policy loans	602		642
Funds withheld at interest	6,538		3,482
Derivative assets	1,370		871
Real estate	542		566
Short-term investments, at fair value	189		135
Other investments	81		83
Total investments	70,448		62,703
Cash and cash equivalents	2,445		2,714
Restricted cash	57		116
Investments in related parties
Available-for-sale, at fair value
Fixed maturity securities	335		308
Equity securities	20		—
Trading securities, at fair value	195		217
Investment funds	1,198		997
Short-term investments	—		55
Other investments	237		245
Accrued investment income	554		520
Reinsurance recoverable	6,001		7,257
Deferred acquisition costs, deferred sales inducements, and value of business acquired	2,964		2,663
Current income tax recoverable	107		113
Deferred tax assets	369		606
Other assets	869		749
Assets of consolidated variable interest entities
Investments
Available-for-sale securities, at fair value
Equity securities	161		—
Trading securities, at fair value
Fixed maturity securities	50		722
Equity securities	117		309
Investment funds	573		534
Cash and cash equivalents	14		6
Other assets	6		20
Total assets	$	86,720	$	80,854
			(Continued)

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Condensed Consolidated Balance Sheets

Unaudited (In millions)



	December 31, 2016		December 31, 2015
Liabilities and Equity
Liabilities
Interest sensitive contract liabilities	$	61,532	$	57,296
Future policy benefits	14,569		14,540
Other policy claims and benefits	217		234
Dividends payable to policyholders	974		856
Derivative liabilities	40		17
Payables for collateral on derivatives	1,383		867
Funds withheld liability	380		388
Other liabilities	685		776
Liabilities of consolidated variable interest entities
Borrowings	—		500
Other liabilities	34		17
Total liabilities	79,814		75,491
Equity
Common Stock	—		—
Additional paid-in-capital	3,421		3,281
Retained earnings	3,117		2,318
Accumulated other comprehensive income (loss)	367		(237		)
Total Athene Holding Ltd. shareholders' equity	6,905		5,362
Noncontrolling interests	1		1
Total equity	6,906		5,363
Total liabilities and equity	$	86,720	$	80,854
			(Concluded)

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Consolidated Statements of Income

Unaudited (In millions)



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
						Revenue:
$	240		$	195		Premiums	$	35		$	85		$	60		$	60		$	96
281			248			Product charges	75			71			69			66			64
2,916			2,508			Net investment income	773			747			704			692			678
652			(430		)	Investment related gains (losses)	129			380			225			(82		)	179
						Other-than-temporary impairment investment losses
(32		)	(40		)	Other-than-temporary impairment losses	(1		)	(7		)	(2		)	(22		)	(13		)
2			10			Other-than-temporary impairment losses recognized in other comprehensive income	(2		)	1			(9		)	12			2
(30		)	(30		)	Net other-than-temporary impairment losses	(3		)	(6		)	(11		)	(10		)	(11		)
34			25			Other revenues	9			8			9			8			9
						Revenues related to consolidated variable interest entities
67			67			Net investment income	27			7			22			11			30
(53		)	33			Investment related gains (losses)	17			(16		)	(31		)	(23		)	—
4,107			2,616			Total revenues	1,062			1,276			1,047			722			1,045
						Benefits and expenses:
1,293			690			Interest sensitive contract benefits	225			482			333			253			417
40			20			Amortization of deferred sales inducements	20			14			2			4			6
1,043			517			Future policy and other policy benefits	181			377			261			224			178
304			203			Amortization of deferred acquisition costs and value of business acquired	101			113			62			28			59
9			17			Interest expense	3			3			2			1			2
37			28			Dividends to policyholders	(28		)	35			13			17			(5		)
615			532			Policy and other operating expenses	174			177			161			103			164
						Operating expenses of consolidated variable interest entities
12			15			Interest expense	—			4			4			4			4
1			2			Other operating expenses	—			—			1			—			—
3,354			2,024			Total benefits and expenses	676			1,205			839			634			825
753			592			Income before income taxes	386			71			208			88			220
(52		)	14			Income tax expense (benefit)	18			(87		)	16			1			(22		)
805			578			Net income	368			158			192			87			242
—			16			Less: Net income attributable to noncontrolling interests	—			—			—			—			—
$	805		$	562		Net income available to Athene Holding Ltd. shareholders	$	368		$	158		$	192		$	87		$	242

^*During the three months ended December 31, 2016, we recorded out-of-period adjustments that affected the consolidated statements of income for the three months ended September 30, 2016. These adjustments primarily related to DAC and VOBA amortization. In addition, during the three months ended September 30, 2016, we recorded out-of-period adjustments that primarily affected the consolidated statements of income for the year ended December 31, 2015. These out-of-period adjustments were primarily related to actuarial reserves, net of DAC and VOBA amortization. As a result of these out-of-period adjustments, the consolidated net income for the three months ended December 31, 2016 was understated by $5 million and the consolidated net income for the three months ended September 30, 2016 was overstated by $23 million.

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Segment Results of Operations

Unaudited (In millions, except per share data)

Results of operations by segment



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
						Operating income, net of tax by segment
$	809		$	769		Retirement Services	$	246		$	171		$	195		$	197		$	256
(49		)	(29		)	Corporate and Other	38			(25		)	(17		)	(45		)	(12		)
760			740			Operating income, net of tax	284			146			178			152			244

77			83			Realized gains (losses) on sale of AFS securities	40			18			11			8			14
(56		)	(30		)	Unrealized, impairments, and other investment gains (losses)	(19		)	(13		)	1			(25		)	(7		)
68			(75		)	Assumed modco and funds withheld reinsurance embedded derivatives	(76		)	73			74			(3		)	(39		)
(42		)	(34		)	Offsets to investment gains (losses)	5			(21		)	(27		)	1			(4		)
47			(56		)	Investment gains (losses), net of offsets	(50		)	57			59			(19		)	(36		)
97			(27		)	Change in fair values of derivatives and embedded derivatives - FIAs, net of offsets	179			3			(16		)	(69		)	65
(22		)	(58		)	Integration, restructuring and other non-operating expenses	(14		)	(2		)	(5		)	(1		)	(27		)
(79		)	(67		)	Stock compensation expense	(20		)	(46		)	(28		)	15			(16		)
2			30			Income tax (expense) benefit - non-operating	(11		)	—			4			9			12
45			(178		)	Total non-operating adjustments	84			12			14			(65		)	(2		)
$	805		$	562		Net income available to AHL shareholders	$	368		$	158		$	192		$	87		$	242

$	3.93		$	4.23		Operating income, net of tax – per operating dilutive Class A common share	$	1.46		$	0.78		$	0.95		$	0.82		$	1.32

0.40			0.47			Realized gains (losses) on sale of AFS securities	0.21			0.09			0.05			0.06			0.07
(0.29		)	(0.18		)	Unrealized, impairments, and other investment gains (losses)	(0.10		)	(0.07		)	0.01			(0.14		)	(0.04		)
0.34			(0.43		)	Assumed modco and funds withheld reinsurance embedded derivatives	(0.39		)	0.40			0.40			(0.02		)	(0.21		)
(0.21		)	(0.19		)	Offsets to investment gains (losses)	0.03			(0.11		)	(0.14		)	—			(0.02		)
0.24			(0.33		)	Investment gains (losses), net of offsets	(0.25		)	0.31			0.32			(0.10		)	(0.20		)
0.51			(0.15		)	Change in fair values of derivatives and embedded derivatives - FIAs, net of offsets	0.92			0.02			(0.09		)	(0.36		)	0.36
(0.12		)	(0.33		)	Integration, restructuring and other non-operating expenses	(0.07		)	(0.02		)	(0.02		)	(0.01		)	(0.15		)
(0.41		)	(0.38		)	Stock compensation expense	(0.10		)	(0.25		)	(0.16		)	0.08			(0.09		)
0.01			0.17			Income tax (expense) benefit - non-operating	(0.07		)	0.01			0.03			0.04			0.06
0.23			(1.02		)	Total non-operating adjustments	0.43			0.07			0.08			(0.35		)	(0.02		)
0.15			—			Effect of items convertible to or settled in Class A common shares	0.05			—			—			—			—
$	4.31		$	3.21		Basic earnings per share – Class A common shares	$	1.94		$	0.85		$	1.03		$	0.47		$	1.30

^* Please refer to Note to the Financial Supplement section for discussion on operating income, net of taxes.

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Segment Results of Operations

Unaudited (In millions, except per share data)

Consolidated summary of operating income, net of tax



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
$	2,767		$	2,398		Fixed income and other investment income	$	720		$	696		$	668		$	683		$	653
265			210			Alternative investment income	122			86			60			(3		)	37
3,032			2,608			Net investment earnings	842			782			728			680			690
(1,019		)	(940		)	Cost of crediting on deferred annuities	(264		)	(259		)	(253		)	(243		)	(238		)
(1,021		)	(665		)	Other liability costs¹	(213		)	(396		)	(206		)	(206		)	(150		)
(282		)	(219		)	Operating expenses	(74		)	(68		)	(71		)	(69		)	(68		)
710			784			Operating income, before tax	291			59			198			162			234
50			(44		)	Income tax (expense) benefit - operating income	(7		)	87			(20		)	(10		)	10
$	760		$	740		Operating income, net of tax	$	284		$	146		$	178		$	152		$	244

^*Please refer to Note to the Financial Supplement section and the Non-GAAP Financial Measures Reconciliations for discussion on operating income, net of taxes.

¹ Other liability costs include DAC, DSI and VOBA amortization and change in GLWB and GMDB reserves for all products, the cost of liabilities on products other than deferred annuities including offsets for premiums, product charges and other revenues.

Retirement Services summary of operating income, net of tax



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
$	2,651		$	2,365		Fixed income and other investment income	$	689		$	665		$	640		$	657		$	627
304			207			Alternative investment income	104			94			72			34			48
2,955			2,572			Net investment earnings	793			759			712			691			675
(1,019		)	(940		)	Cost of crediting on deferred annuities	(264		)	(259		)	(253		)	(243		)	(238		)
(967		)	(656		)	Other liability costs	(217		)	(364		)	(198		)	(188		)	(141		)
(206		)	(166		)	Operating expenses	(56		)	(50		)	(51		)	(49		)	(53		)
763			810			Operating income, before tax	256			86			210			211			243
46			(41		)	Income tax (expense) benefit - operating income	(10		)	85			(15		)	(14		)	13
$	809		$	769		Operating income, net of tax	$	246		$	171		$	195		$	197		$	256

Corporate and Other summary of operating income, net of tax



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
$	116		$	33		Fixed income and other investment income	$	31		$	31		$	28		$	26		$	26
(39		)	3			Alternative investment income	18			(8		)	(12		)	(37		)	(11		)
77			36			Net investment earnings	49			23			16			(11		)	15
—			—			Cost of crediting on deferred annuities	—			—			—			—			—
(54		)	(9		)	Other liability costs	4			(32		)	(8		)	(18		)	(9		)
(76		)	(53		)	Operating expenses	(18		)	(18		)	(20		)	(20		)	(15		)
(53		)	(26		)	Operating income, before tax	35			(27		)	(12		)	(49		)	(9		)
4			(3		)	Income tax (expense) benefit - operating income	3			2			(5		)	4			(3		)
$	(49	)	$	(29	)	Operating income, net of tax	$	38		$	(25	)	$	(17	)	$	(45	)	$	(12	)

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Retirement Services Product Summary

Unaudited (In millions, except percentages)

Retirement Services investment margin on deferred annuities (a non-GAAP measure)



Year-to-date					2016								2015
2016		2015			Q4		Q3		Q2		Q1		Q4
4.73	%	4.37	%	Net investment earned rate	4.91	%	4.77	%	4.62	%	4.59	%	4.53	%
1.96	%	1.92	%	Cost of crediting on deferred annuities	1.95	%	1.96	%	1.99	%	1.96	%	1.94	%
2.77	%	2.45	%	Investment margin on deferred annuities	2.96	%	2.81	%	2.63	%	2.63	%	2.59	%

^* Please refer to Note to the Financial Supplement section and the Non-GAAP Financial Measures Reconciliations for discussion on investment margin, net investment earned rate and cost of crediting on deferred annuities. Investment margin on deferred annuities is net of ceded reinsurance activity.

Summary of net investment earned rate



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
4.41		%	4.17		%	Fixed income and other investments	4.44		%	4.36		%	4.32		%	4.54		%	4.37		%
12.34		%	9.40		%	Alternative investments	16.25		%	14.90		%	11.82		%	5.79		%	8.67		%
4.73		%	4.37		%	Total net investment earned rate	4.91		%	4.77		%	4.62		%	4.59		%	4.53		%

$	2,651		$	2,365		Fixed income and other investment income	$	689		$	665		$	640		$	657		$	627
304			207			Alternatives investment income	104			94			72			34			48
$	2,955		$	2,572		Total net investment earnings	$	793		$	759		$	712		$	691		$	675

						Average invested assets
$	60,048		$	56,705		Fixed income and other investments	$	62,096		$	61,117		$	59,235		$	57,902		$	57,342
2,461			2,212			Alternative investments	2,543			2,521			2,451			2,357			2,245
$	62,509		$	58,917		Total average invested assets	$	64,639		$	63,638		$	61,686		$	60,259		$	59,587

^* Please refer to Note to the Financial Supplement section and the Non-GAAP Financial Measures Reconciliations for discussion on net investment earned rate and invested assets.

^* The investment results above are presented net of investment management fees.

Summary of cost of crediting on deferred annuities



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
$	534		$	495		FIA option costs	$	136		$	135		$	133		$	130		$	128
485			445			Fixed interest credited to policyholders	128			124			120			113			110
$	1,019		$	940		Cost of crediting on deferred annuities	$	264		$	259		$	253		$	243		$	238
1.96		%	1.92		%	Cost of crediting on deferred annuities rate	1.95		%	1.96		%	1.99		%	1.96		%	1.94		%

$	51,921		$	48,956		Average account value on deferred annuities	$	54,358		$	52,739		$	50,817		$	49,626		$	49,139

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Retirement Services Annuity Liability Characteristics

Unaudited (In millions, except percentages)

Deferred annuities account value rollforward



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
$	49,257		$	48,617		Account value at beginning of period	$	53,837		$	51,640		$	49,994		$	49,257		$	49,021
8,887			3,691			Deposits	1,878			2,914			2,497			1,598			1,068
200			133			Premium and interest bonuses	56			60			47			37			31
910			1,398			Fixed and index credits to policyholders	304			268			174			164			247
(4,159		)	(4,411		)	Surrenders and benefits paid	(1,135		)	(990		)	(1,020		)	(1,014		)	(1,064		)
(215		)	(171		)	Fee and product charges	(60		)	(55		)	(52		)	(48		)	(46		)
$	54,880		$	49,257		Account value at end of period	$	54,880		$	53,837		$	51,640		$	49,994		$	49,257

^* The account value rollforwards on deferred annuities include our fixed rate and fixed indexed annuities and are net of ceded reinsurance activity.

Surrender charge protection and account values by product type



	Surrender Charge				Net Account Value
	Average years at issue	Average years remaining	Average percent remaining		Dollars		Percent of Total
Fixed index annuities	10.2	5.6	8.0	%	$	41,633	75.9	%
Single-year fixed rate guaranteed annuities	7	1.7	3.0	%	8,092		14.7	%
Multi-year fixed rate guaranteed annuities	5.3	3.9	8.0	%	5,155		9.4	%
Total					$	54,880	100.0	%

Summary of surrender charge percentages



			Net account value
	Surrender charge (gross)		Percent of Total		Surrender charge (net of MVA)			Percent of Total
No surrender charge	$	7,854	14.3	%	$	7,854		14.3	%
0.0% < 2.0%	122		0.2	%	444			0.8	%
2.0% < 4.0%	1,311		2.4	%	2,924			5.3	%
4.0% < 6.0%	3,423		6.2	%	6,957			12.7	%
6.0% < 8.0%	11,269		20.5	%	10,297			18.8	%
8.0% < 10.0%	14,681		26.8	%	10,107			18.4	%
10.0% or greater	16,220		29.6	%	16,297			29.7	%
	$	54,880	100.0	%	$	54,880		100.0	%

			Surrender charge (gross)		MVA benefit			Surrender charge (net)
Aggregate surrender charge protection			7.6	%	0.2		%	7.8	%

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Retirement Services Annuity Liability Characteristics

Unaudited (In millions, except percentages)

Surrender charge expiration by year



Years of surrender charge remaining	Deferred annuities account value		Percent of total		Average surrender charge percent (gross of MVA)
No Surrender Charge	$	7,854	14.3	%	—	%
> 0 to less than 2	7,337		13.4	%	5.1	%
2 to less than 4	11,513		21.0	%	7.2	%
4 to less than 6	12,364		22.5	%	9.0	%
6 to less than 8	6,508		11.9	%	10.1	%
8 to less than 10	5,789		10.5	%	11.5	%
10 to less than 12	2,518		4.6	%	14.1	%
12 or greater	997		1.8	%	14.7	%
	$	54,880	100.0	%

Minimum guarantees on deferred annuities



	At minimum guarantees		Total account value		Percent of total account value at minimum guarantees
Fixed indexed annuities	$	14,529	$	41,633	34.9	%
Fixed rate annuities	6,739		13,247		50.9	%
Total deferred annuities	$	21,268	$	54,880	38.8	%

					December 31, 2016
Distance to guarantees¹					75 - 85 bps

¹Distance to guarantees is the difference between the current crediting rates and the contractual guaranteed minimum crediting rates on our deferred annuities. The distance to guarantees includes the minimum guarantees on all of our deferred annuities, including those with crediting rates already at their minimum guarantees.

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Consolidated Reserve Liabilities

Unaudited (In millions, except percentages)

Consolidated reserve liabilities



	December 31, 2016					December 31, 2015
	Dollars			Percent of Total		Dollars			Percent of Total
Fixed indexed annuities	$	43,501		61.3	%	$	39,594		60.7	%
Fixed rate annuities	13,490			19.0	%	10,882			16.7	%
Total deferred annuities	56,991			80.3	%	50,476			77.4	%
Payout annuities	5,446			7.7	%	5,708			8.7	%
Funding agreements	1,109			1.6	%	1,576			2.4	%
Life and other (excluding German products)	2,176			3.0	%	2,094			3.2	%
Retirement Services reserve liabilities	65,722			92.6	%	59,854			91.7	%
Germany products	5,381			7.6	%	5,542			8.5	%
Intersegment eliminations	(152		)	(0.2	)%	(125		)	(0.2	)%
Total reserve liabilities	$	70,951		100.0	%	$	65,271		100.0	%

* Please refer to Note to the Financial Supplement section and the Non-GAAP Financial Measures Reconciliations for discussion on reserve liabilities.

Reserve liability rollforward



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
$	59,854		$	60,024		Retirement Services reserve liabilities - beginning	$	65,073		$	62,650		$	60,708		$	59,854		$	59,394
9,080			4,358			Deposits	1,884			2,979			2,537			1,680			1,504
(5,396		)	(5,344		)	Withdrawals	(1,350		)	(1,412		)	(1,282		)	(1,352		)	(1,359		)
2,184			816			Other reserve changes	115			856			687			526			315
65,722			59,854			Retirement Services reserve liabilities - ending	65,722			65,073			62,650			60,708			59,854
5,381			5,542			Germany reserve liabilities	5,381			5,982			5,846			5,918			5,542
(152		)	(125		)	Intersegment eliminations	(152		)	(163		)	(161		)	(165		)	(125		)
$	70,951		$	65,271		Consolidated reserve liabilities - ending	$	70,951		$	70,892		$	68,335		$	66,461		$	65,271

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Consolidated Investments Summary

Unaudited (In millions, except percentages)

Investments and investments in related parties summary



	December 31, 2016				December 31, 2015
	Carrying Value		Percent of Total		Carrying Value		Percent of Total
Available for sale securities at fair value:
Fixed maturity securities:
U.S. government and agencies	$	60	0.1	%	$	45	0.1	%
State, municipals and political subdivisions	1,140		1.6	%	1,165		1.8	%
Foreign governments	2,235		3.1	%	2,464		3.8	%
Corporate	30,020		41.4	%	26,936		41.7	%
CLOs	4,822		6.7	%	4,555		7.1	%
RMBS	8,973		12.4	%	7,995		12.4	%
CMBS	1,847		2.5	%	1,738		2.7	%
ABS	2,936		4.1	%	2,918		4.5	%
Equity securities	353		0.5	%	407		0.6	%
Trading securities, at fair value	2,581		3.6	%	2,468		3.8	%
Mortgage loans, net of allowances	5,470		7.6	%	5,500		8.5	%
Investment funds	689		1.0	%	733		1.1	%
Policy loans	602		0.8	%	642		1.0	%
Funds withheld at interest	6,538		9.0	%	3,482		5.4	%
Derivative assets	1,370		1.9	%	871		1.3	%
Real estate	542		0.7	%	566		0.9	%
Short-term investments	189		0.3	%	135		0.2	%
Other investments	81		0.1	%	83		0.1	%
Total investments	70,448		97.2	%	62,703		97.2	%
Investment in related parties:
Available for sale securities at fair value:
Fixed maturity securities	335		0.5	%	308		0.5	%
Equity securities	20		—	%	—		—	%
Trading securities, at fair value	195		0.3	%	217		0.3	%
Investment funds	1,198		1.7	%	997		1.5	%
Other investments	237		0.3	%	245		0.4	%
Short term investments	—		—	%	55		0.1	%
Total related party investments	1,985		2.8	%	1,822		2.8	%
Total investments, including related parties	$	72,433	100.0	%	$	64,525	100.0	%

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Consolidated Investments Summary

Unaudited (In millions, except percentages)

Fixed maturity securities by sector



	December 31, 2016						December 31, 2015
	Amortized Cost		Fair Value		Percent of Total		Amortized Cost		Fair Value		Percent of Total
Corporate:
Industrial other¹	$	10,417	$	10,645	20.3	%	$	9,907	$	9,918	20.6	%
Financial	8,957		9,156		17.5	%	7,819		7,941		16.5	%
Utilities	6,512		6,588		12.6	%	6,082		5,864		12.2	%
Communication	2,182		2,235		4.3	%	1,801		1,820		3.8	%
Transportation	1,365		1,396		2.7	%	1,370		1,393		2.9	%
Total corporate	29,433		30,020		57.4	%	26,979		26,936		56.0	%
Other government-related securities
State, municipals and political subdivisions	1,024		1,140		2.2	%	1,075		1,165		2.4	%
Foreign governments	2,098		2,235		4.3	%	2,467		2,464		5.1	%
U.S. treasuries	59		60		0.1	%	44		45		0.1	%
Total non-structured securities	32,614		33,455		64.0	%	30,565		30,610		63.6	%
Structured securities:
CLOs	5,234		5,101		9.7	%	5,214		4,803		10.0	%
ABS	3,037		2,992		5.7	%	3,005		2,978		6.2	%
CMBS	1,835		1,847		3.5	%	1,725		1,738		3.6	%
RMBS
Agency	110		112		0.2	%	140		142		0.3	%
Non-agency	8,621		8,861		16.9	%	7,910		7,853		16.3	%
Total structured securities	18,837		18,913		36.0	%	17,994		17,514		36.4	%
Total fixed maturity securities, including related parties	$	51,451	$	52,368	100.0	%	$	48,559	$	48,124	100.0	%

¹ Includes securities within various industry segments including capital goods, basic industry, consumer cyclical, consumer non-cyclical, industrial, and technology.

Credit quality of fixed maturity securities



	December 31, 2016				December 31, 2015
	Fair Value		Percent of Total		Fair Value		Percent of Total
NAIC designation
1	$	30,211	57.7	%	$	29,022	60.3	%
2	18,617		35.5	%	16,696		34.7	%
Total investment grade	48,828		93.2	%	45,718		95.0	%
3	2,812		5.4	%	2,182		4.5	%
4	622		1.2	%	194		0.4	%
5	82		0.2	%	14		—	%
6	24		—	%	16		—	%
Total below investment grade	3,540		6.8	%	2,406		5.0	%
Total fixed maturity securities, including related parties	$	52,368	100.0	%	$	48,124	100.0	%

* Germany fixed maturity securities, including related parties applying NRSRO ratings to map to NAIC ratings.

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Consolidated Investments Summary

Unaudited (In millions, except percentages)



	December 31, 2016				December 31, 2015
	Fair Value		Percent of Total		Fair Value		Percent of Total
NRSRO rating agency designation
AAA/AA/A	$	18,791	35.9	%	$	17,906	37.2	%
BBB	18,002		34.4	%	16,481		34.2	%
Non-rated¹	5,650		10.8	%	5,325		11.1	%
Total investment grade²	42,443		81.1	%	39,712		82.5	%
BB	3,286		6.3	%	2,937		6.1	%
B	1,372		2.6	%	729		1.5	%
CCC	2,374		4.5	%	2,104		4.4	%
CC and lower	2,404		4.6	%	2,211		4.6	%
Non-rated ¹	489		0.9	%	431		0.9	%
Total below investment grade	9,925		18.9	%	8,412		17.5	%
Total fixed maturity securities, including related parties	$	52,368	100.0	%	$	48,124	100.0	%

¹ Securities denoted as non-rated by the NRSRO were classified as investment or non-investment grade according to the security's respective NAIC rating.

² We view the NAIC ratings methodology as the most appropriate way to view our fixed maturity portfolio from a ratings perspective since a large portion of our holdings were purchased at a significant discount to par. NRSRO ratings methodology is focused on the likelihood of recovery of all contractual payments, including principal at par regardless of entry price, while the NAIC ratings methodology considers our investment and amortized cost, and the likelihood of recovery of that book value as opposed to the likelihood of default of the security.

Credit quality of residential mortgage backed securities



	December 31, 2016								December 31, 2015
	Principal Amount		Amortized Cost		Fair Value		Percent of Total		Principal Amount		Amortized Cost		Fair Value		Percent of Total
NAIC designation
1	$	9,960	$	8,414	$	8,652	96.4	%	$	8,663	$	7,399	$	7,351	91.9	%
2	152		141		140		1.6	%	517		467		463		5.8	%
Total investment grade	10,112		8,555		8,792		98.0	%	9,180		7,866		7,814		97.7	%
3	104		92		96		1.1	%	180		160		157		2.0	%
4	31		29		29		0.3	%	29		20		20		0.3	%
5	54		53		54		0.6	%	5		1		1		—	%
6	2		2		2		—	%	4		3		3		—	%
Total below investment grade	191		176		181		2.0	%	218		184		181		2.3	%
Total	$	10,303	$	8,731	$	8,973	100.0	%	$	9,398	$	8,050	$	7,995	100.0	%

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Consolidated Investments Summary

Unaudited (In millions, except percentages)

Mortgage loans by property type and region



	December 31, 2016				December 31, 2015
	Net Carrying Value		Percent of Total		Net Carrying Value		Percent of Total
Property type
Hotels	$	1,025	18.7	%	$	877	15.9	%
Retail	1,134		20.7	%	1,230		22.4	%
Office building	1,217		22.2	%	1,274		23.2	%
Industrial	742		13.6	%	821		14.9	%
Apartment	616		11.3	%	907		16.5	%
Other commercial¹	397		7.3	%	291		5.3	%
Total commercial mortgage loans	5,132		93.8	%	5,400		98.2	%
Residential loans	338		6.2	%	99		1.8	%
Total mortgage loans, net of allowances	$	5,470	100.0	%	$	5,500	100.0	%

US Region:
East North Central	$	450	8.2	%	$	443	8.1	%
East South Central	158		2.9	%	129		2.3	%
Middle Atlantic	628		11.5	%	804		14.6	%
Mountain	543		9.9	%	583		10.6	%
New England	194		3.5	%	181		3.3	%
Pacific	833		15.2	%	838		15.2	%
South Atlantic	1,284		23.5	%	1,231		22.4	%
West North Central	306		5.6	%	291		5.3	%
West South Central	662		12.1	%	792		14.4	%
Total US Region	5,058		92.4	%	5,292		96.2	%
International Region	74		1.4	%	108		2.0	%
Total commercial mortgage loans	5,132		93.8	%	5,400		98.2	%
Residential loans	338		6.2	%	99		1.8	%
Total mortgage loans, net of allowances	$	5,470	100.0	%	$	5,500	100.0	%

¹ Other commercial loans include investments in nursing homes, parking garages, restaurants, mobile home parks and other commercial properties.

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Consolidated Investments Summary

Unaudited (In millions, except percentages)

Investment funds including related party



	December 31, 2016				December 31, 2015
	Carrying Value		Percent of Total		Carrying Value		Percent of Total
Investment funds
Private equity	$	268	10.9	%	$	263	11.6	%
Mortgage and real estate	118		4.8	%	101		4.5	%
Natural resources	5		0.2	%	6		0.3	%
Hedge funds	72		2.9	%	86		3.8	%
Credit funds	226		9.2	%	277		12.2	%
Total investment funds	689		28.0	%	733		32.5	%
Investment funds - related parties
Private equity - A-A Mortgage	343		13.9	%	225		9.9	%
Private equity	131		5.3	%	36		1.6	%
Mortgage and real estate	247		10.0	%	234		10.3	%
Natural resources	49		2.0	%	46		2.0	%
Hedge funds	191		7.8	%	256		11.3	%
Credit funds	236		9.6	%	200		8.8	%
Total investment funds - related parties	1,198		48.7	%	997		43.9	%
Total investment funds - assets of consolidated VIEs
Private equity - MidCap¹	524		21.3	%	482		21.3	%
Credit funds	38		1.5	%	34		1.5	%
Mortgage and real assets	11		0.4	%	18		0.8	%
Total investment funds - assets of consolidated VIEs	573		23.3	%	534		23.6	%
Total investment funds, including related parties and VIEs	$	2,460	100.0	%	$	2,264	100.0	%

¹ Midcap is an underlying investment of one of our consolidated VIE investment funds.

Funds withheld at interest



	December 31, 2016				December 31, 2015
	Carrying Value		Percent of Total		Carrying Value			Percent of Total
Fixed maturity securities
U.S. state, municipal, and political subdivisions	$	118	1.8	%	$	118		3.4	%
Corporate	1,800		27.6	%	734			21.1	%
CLOs	591		9.0	%	432			12.4	%
ABS	736		11.3	%	402			11.5	%
CMBS	292		4.5	%	132			3.8	%
RMBS	1,551		23.7	%	672			19.3	%
Equity securities	29		0.4	%	28			0.8	%
Mortgage loans	773		11.8	%	469			13.5	%
Investment funds	329		5.0	%	273			7.8	%
Derivative assets	53		0.8	%	15			0.4	%
Short-term investments	80		1.2	%	51			1.5	%
Cash and cash equivalents	105		1.6	%	162			4.7	%
Accrued investment income and other assets	81		1.3	%	(6		)	(0.2	)%
Total funds withheld at interest	$	6,538	100.0	%	$	3,482		100.0	%

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Consolidated Investments Summary

Unaudited (In millions, except percentages)

Invested assets summary



	December 31, 2016								December 31, 2015
	U.S. and Bermuda Invested Asset Value		Germany Invested Asset Value		Total Invested Asset Value¹		Percent of Total		U.S. and Bermuda Invested Asset Value		Germany Invested Asset Value		Total Invested Asset Value¹		Percent of Total
Corporates	$	31,000	$	1,682	$	32,682	45.4	%	$	27,677	$	1,614	$	29,291	43.7	%
CLOs	5,798		—		5,798		8.1	%	5,648		—		5,648		8.4	%
Credit	36,798		1,682		38,480		53.5	%	33,325		1,614		34,939		52.1	%
RMBS	10,619		—		10,619		14.8	%	8,870		—		8,870		13.2	%
Mortgage loans	6,145		95		6,240		8.7	%	5,826		140		5,966		8.9	%
CMBS	2,202		—		2,202		3.1	%	1,951		—		1,951		2.9	%
Real estate held for investment	—		542		542		0.8	%	—		566		566		0.8	%
Real estate	18,966		637		19,603		27.4	%	16,647		706		17,353		25.8	%
State, municipals, political subdivisions and foreign government	1,387		1,936		3,323		4.6	%	1,401		2,343		3,744		5.6	%
Alternative investments	3,297		128		3,425		4.8	%	3,441		54		3,495		5.2	%
ABS	3,873		—		3,873		5.4	%	3,504		—		3,504		5.2	%
Short-term investments	250		—		250		0.3	%	186		—		186		0.3	%
Unit-linked assets	—		363		363		0.5	%	—		391		391		0.6	%
Equity securities	199		185		384		0.5	%	179		217		396		0.6	%
U.S. government and agencies	32		27		59		0.1	%	44		—		44		0.1	%
Other investments	9,038		2,639		11,677		16.2	%	8,755		3,005		11,760		17.6	%
Cash and equivalents	1,111		111		1,222		1.7	%	2,009		114		2,123		3.2	%
Policy loans and other	631		221		852		1.2	%	577		207		784		1.2	%
Total invested assets	$	66,544	$	5,290	$	71,834	100.0	%	$	61,313	$	5,646	$	66,959	100.0	%

¹ Please refer to Note to the Financial Supplement section for discussion on invested assets.

Alternative investments summary



	December 31, 2016				December 31, 2015
	Invested Asset Value		Percent of Total		Invested Asset Value		Percent of Total
Credit funds	$	834	24.3	%	$	1,135	32.5	%
Private equity - MidCap	524		15.3	%	482		13.8	%
Private equity - A-A Mortgage	417		12.2	%	252		7.2	%
Private equity - other	519		15.2	%	430		12.3	%
Mortgage and real assets	470		13.7	%	408		11.7	%
Hedge funds	311		9.1	%	383		11.0	%
Public equities	215		6.3	%	270		7.7	%
Natural resources and other real assets	135		3.9	%	135		3.9	%
Alternative investments	$	3,425	100.0	%	$	3,495	100.0	%

¹ Please refer to Note to the Financial Supplement section for discussion on invested assets including alternative investments and the Non-GAAP Financial Measures Reconciliations section for the reconciliation of investment funds to alternative investments.

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Consolidated Investments Summary

Unaudited (In millions, except percentages)

Net investment earned rates by asset class



Year-to-date					2016								2015
2016		2015			Q4		Q3		Q2		Q1		Q4
3.91	%	3.79	%	Corporate securities	3.91	%	4.06	%	3.81	%	3.93	%	3.89	%
				Structured securities
5.18	%	5.10	%	RMBS	5.30	%	5.21	%	4.92	%	5.30	%	5.20	%
4.74	%	5.43	%	CLO	4.96	%	4.81	%	4.73	%	4.37	%	5.66	%
6.30	%	4.39	%	ABS	4.24	%	4.16	%	6.54	%	10.93	%	4.39	%
3.92	%	3.12	%	CMBS	4.19	%	3.79	%	4.10	%	3.66	%	3.84	%
5.12	%	4.79	%	Total structured securities	4.92	%	4.79	%	5.05	%	5.82	%	5.04	%
4.82	%	4.59	%	State, municipal, political subdivisions and U.S. and foreign government	5.80	%	3.57	%	5.46	%	4.57	%	4.54	%
5.95	%	5.42	%	Mortgage loans	6.26	%	6.22	%	5.82	%	5.42	%	5.43	%
7.76	%	5.89	%	Alternative investments	14.82	%	9.77	%	7.11	%	(0.40	)%	4.28	%
1.03	%	1.00	%	Other U.S. and Bermuda invested assets	1.27	%	1.04	%	1.29	%	0.32	%	2.03	%
4.59	%	4.28	%	U.S. and Bermuda	4.96	%	4.64	%	4.47	%	4.27	%	4.37	%
1.67	%	2.00	%	Germany	1.51	%	1.94	%	1.62	%	1.56	%	1.60	%
4.35	%	4.24	%	Consolidated total	4.69	%	4.42	%	4.23	%	4.03	%	4.13	%

Invested assets NAIC 1 & 2 designation by asset class



	December 31, 2016		December 31, 2015
Corporate securities	92.4	%	93.8	%
Structured securities
RMBS	98.0	%	97.9	%
CLO	83.1	%	83.6	%
ABS	91.5	%	95.6	%
CMBS	97.7	%	99.3	%
Total structured securities	93.0	%	93.6	%
State, municipal, political subdivisions and U.S. and foreign government	96.5	%	97.3	%
Germany fixed maturity securities¹	95.0	%	96.8	%

¹NAIC 1 and 2 for Germany indicates the percentage of total AFS fixed maturities by applying NRSRO ratings to map to NAIC ratings.

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Financial Strength Ratings and RBC

Unaudited

Financial strength ratings



	A.M. Best	Standard & Poor's	Fitch
Athene Annuity & Life Assurance Company	A-	A-	A-
Athene Annuity and Life Company	A-	A-	A-
Athene Annuity & Life Assurance Company of New York	A-	A-	A-
Athene Life Insurance Company of New York	A-	Not Rated	Not Rated
Athene Life Re Ltd.	A-	A-	A-

Credit ratings



	A.M. Best	Standard & Poor's	Fitch
Athene Holding Ltd.	bbb-	BBB	BBB

Capital Metrics



	December 31,
	2016		2015
U.S. RBC - Athene Annuity & Life Assurance Company	478	%	552	%
BSCR - Athene Life Re Ltd.¹	228	%	323	%
Athene Life Re Ltd. RBC²	529	%	468	%

¹ Effective January 1, 2016, in connection with the implementation of its broader regulatory regime, the BMA integrated the economic balance sheet (EBS) framework into the determination of BSCR. The European Commission has granted the BMA's regulatory regime for reinsurance, group solvency calculation and group supervision full equivalence to Solvency II. Under the EBS framework, ALRe's assets are recorded at market value and its insurance reserves are determined by reference to nine prescribed scenarios, with the scenario resulting in the highest reserve balance being ultimately required to be selected. This ratio is not comparable to prior year end BSCR ratios given the change in the solvency regime; however, consistent with the previous regime the minimum required capital ratio to be considered solvent by the BMA is 100%.

² ALRe RBC ratio, which is used in evaluating our capital position and the amount of capital needed to support our segment, is calculated by applying the NAIC RBC factors.

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Non-GAAP Financial Measures Reconciliations

Unaudited (In millions, except percentages)

Summary of adjustments to basic weighted average shares outstanding - Class A common shares to arrive at weighted average shares outstanding - operating diluted Class A common shares



Year-to-date			2016				2015
2016	2015		Q4	Q3	Q2	Q1	Q4
52.1	41.2	Basic weighted average shares outstanding - Class A	58.3	49.8	50.1	50.0	49.9
134.4	133.9	Conversion of Class B shares to Class A shares	130.0	136.0	136.0	136.0	136.0
6.6	—	Conversion of Class M shares to Class A shares	5.5	—	—	—	—
0.2	0.1	Effect of other stock compensation plans	0.4	0.1	0.1	0.1	0.1
193.4	175.2	Weighted average shares outstanding - operating diluted Class A common shares	194.2	185.9	186.1	186.0	186.0

Summary of adjustments to Class A common shares outstanding to arrive at operating diluted Class A common shares outstanding



	2016				2015
	Q4	Q3	Q2	Q1	Q4
Class A common shares outstanding	77.0	50.2	50.2	50.3	50.2
Conversion of Class B shares to Class A shares	111.8	136.0	136.0	136.0	136.0
Conversion of Class M shares to Class A shares	6.8	7.2	—	—	—
Effect of other stock compensation plans	0.7	0.4	0.4	—	—
Operating diluted Class A common shares outstanding	196.4	193.8	186.5	186.2	186.1

Summary of adjustments to book value per share to arrive at book value per share, excluding AOCI



	2016											2015
	Q4			Q3			Q2			Q1		Q4
Book value per share	$	35.91		$	38.00		$	34.62		$	30.28	$	28.81
AOCI	(1.91		)	(4.94		)	(3.06		)	0.27		1.28
Effect of items convertible to or settled in Class A common shares	(0.71		)	(1.30		)	(0.10		)	—		—
Book value per share, excluding AOCI	$	33.29		$	31.76		$	31.46		$	30.55	$	30.09

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Non-GAAP Financial Measures Reconciliations

Unaudited (In millions, except percentages)

Summary of adjustments to net investment income to arrive at net investment earned rate



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
$	2,916		$	2,508		GAAP net investment income	$	773		$	747		$	704		$	692		$	678
189			84			Reinsurance embedded derivative impacts	45			55			53			36			26
1			67			Net VIE earnings	44			(13		)	(14		)	(16		)	26
(39		)	(42		)	Alternative income gain (loss)	(4		)	(3		)	—			(32		)	(40		)
(35		)	(9		)	Other	(16		)	(4		)	(15		)	—			—
116			100			Total adjustments to arrive at net investment earnings	69			35			24			(12		)	12
$	3,032		$	2,608		Total net investment earnings	$	842		$	782		$	728		$	680		$	690

$	2,955		$	2,572		Retirement Services	$	793		$	759		$	712		$	691		$	675
77			36			Corporate and Other	49			23			16			(11		)	15
$	3,032		$	2,608		Total net investment earnings	$	842		$	782		$	728		$	680		$	690

4.19		%	4.06		%	GAAP net investment income rate	4.30		%	4.22		%	4.09		%	4.10		%	4.05		%
0.27		%	0.15		%	Reinsurance embedded derivative impacts	0.25		%	0.31		%	0.31		%	0.21		%	0.16		%
—		%	0.11		%	Net VIE earnings	0.25		%	(0.07		)%	(0.08		)%	(0.09		)%	0.16		%
(0.06		)%	(0.07		)%	Alternative income gain (loss)	(0.02		)%	(0.02		)%	—		%	(0.19		)%	(0.24		)%
(0.05		)%	(0.01		)%	Other	(0.09		)%	(0.02		)%	(0.09		)%	—		%	—		%
0.16		%	0.18		%	Total adjustments to arrive at net investment earned rate	0.39		%	0.20		%	0.14		%	(0.07		)%	0.08		%
4.35		%	4.24		%	Consolidated net investment earned rate	4.69		%	4.42		%	4.23		%	4.03		%	4.13		%

4.73		%	4.37		%	Retirement Services	4.91		%	4.77		%	4.62		%	4.59		%	4.53		%
1.08		%	1.38		%	Corporate and Other	2.76		%	1.26		%	0.93		%	(0.62		)%	0.83		%
4.35		%	4.24		%	Consolidated net investment earned rate	4.69		%	4.42		%	4.23		%	4.03		%	4.13		%

$	62,509		$	58,917		Retirement Services average invested assets	$	64,639		$	63,638		$	61,686		$	60,259		$	59,587
7,113			2,567			Corporate and Other average invested assets	7,074			7,089			7,177			7,153			7,246
$	69,622		$	61,484		Average invested assets	$	71,713		$	70,727		$	68,863		$	67,412		$	66,833

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Non-GAAP Financial Measures Reconciliations

Unaudited (In millions, except percentages)

Summary of adjustments to interest sensitive contract benefits to arrive at cost of crediting on deferred annuities



Year-to-date							2016												2015
2016			2015				Q4			Q3			Q2			Q1			Q4
$	1,293		$	690		GAAP interest sensitive contract benefits	$	225		$	482		$	333		$	253		$	417
(110		)	(94		)	Interest credited other than deferred annuities	(21		)	(33		)	(27		)	(29		)	(30		)
559			510			FIA option costs	143			141			139			136			133
(53		)	(33		)	Product charges (strategy fees)	(15		)	(14		)	(13		)	(11		)	(10		)
29			18			Reinsurance embedded derivative impacts	8			8			7			6			5
(730		)	(174		)	Change in fair values of embedded derivatives - FIAs	(72		)	(318		)	(204		)	(136		)	(269		)
48			68			Negative VOBA amortization	12			12			15			9			17
(15		)	(27		)	Unit linked change in reserve	(14		)	(20		)	4			15			(27		)
(2		)	(18		)	Other changes in interest sensitive contract liabilities	(2		)	1			(1		)	—			2
(274		)	250			Total adjustments to arrive at cost of crediting on deferred annuities	39			(223		)	(80		)	(10		)	(179		)
$	1,019		$	940		Retirement Services cost of crediting on deferred annuities	$	264		$	259		$	253		$	243		$	238

2.48		%	1.42		%	GAAP interest sensitive contract benefits	1.65		%	3.65		%	2.63		%	2.03		%	3.39		%
(0.21		)%	(0.19		)%	Interest credited other than deferred annuities	(0.15		)%	(0.25		)%	(0.21		)%	(0.23		)%	(0.24		)%
1.08		%	1.04		%	FIA option costs	1.05		%	1.07		%	1.08		%	1.11		%	1.08		%
(0.10		)%	(0.07		)%	Product charges (strategy fees)	(0.11		)%	(0.11		)%	(0.10		)%	(0.09		)%	(0.08		)%
0.06		%	0.04		%	Reinsurance embedded derivative impacts	0.06		%	0.06		%	0.06		%	0.05		%	0.04		%
(1.41		)%	(0.36		)%	Change in fair values of embedded derivatives - FIAs	(0.53		)%	(2.41		)%	(1.61		)%	(1.10		)%	(2.19		)%
0.09		%	0.14		%	Negative VOBA amortization	0.09		%	0.09		%	0.12		%	0.07		%	0.14		%
(0.03		)%	(0.06		)%	Unit linked change in reserve	(0.10		)%	(0.15		)%	0.03		%	0.12		%	(0.22		)%
—		%	(0.04		)%	Other changes in interest sensitive contract liabilities	(0.01		)%	0.01		%	(0.01		)%	—		%	0.02		%
(0.52		)%	0.50		%	Total adjustments to arrive at cost of crediting on deferred annuities	0.30		%	(1.69		)%	(0.64		)%	(0.07		)%	(1.45		)%
1.96		%	1.92		%	Retirement Services cost of crediting on deferred annuities	1.95		%	1.96		%	1.99		%	1.96		%	1.94		%

$	51,921		$	48,956		Average account value on deferred annuities	$	54,358		$	52,739		$	50,817		$	49,626		$	49,139

Athene Holding Ltd.

Financial Supplement - December 31, 2016

Non-GAAP Financial Measures Reconciliations

Unaudited (In millions, except percentages)

Summary of adjustments to total investments, including related parties to arrive at invested assets



	December 31, 2016			December 31, 2015
Total investments, including related parties	$	72,433		$	64,525
Derivative assets	(1,370		)	(871		)
Cash and cash equivalents (including restricted cash)	2,502			2,830
Accrued investment income	554			520
Payables for collateral on derivatives	(1,383		)	(867		)
Reinsurance funds withheld and modified coinsurance	(414		)	(214		)
VIE assets, liabilities and noncontrolling interest	886			1,073
AFS unrealized (gain) loss	(1,030		)	362
Ceded policy loans	(344		)	(399		)
Total adjustments to arrive at invested assets	(599		)	2,434
Total invested assets	$	71,834		$	66,959

Summary of adjustments to investment funds, including related parties and VIEs to arrive at alternative investments



	December 31, 2016		December 31, 2015
Investment funds, including related parties and VIEs	$	2,460	$	2,264
CLO equities included in trading securities	260		337
Investment funds within funds withheld at interest	329		273
Royalties, other assets included in other investments and other assets	81		83
Net assets of the VIE, excluding investment funds	295		538
Total adjustments to arrive at alternative investments	965		1,231
Alternative investments	$	3,425	$	3,495

Summary of adjustments to total liabilities to arrive at reserve liabilities



	December 31, 2016			December 31, 2015
Total liabilities	$	79,814		$	75,491
Derivative liabilities	(40		)	(17		)
Payables for collateral on derivatives	(1,383		)	(867		)
Funds withheld liability	(380		)	(388		)
Other liabilities	(685		)	(776		)
Liabilities of consolidated VIEs	(34		)	(517		)
Reinsurance ceded receivables	(6,001		)	(7,257		)
Policy loans ceded	(344		)	(399		)
Other	4			1
Total adjustments to arrive at reserve liabilities	(8,863		)	(10,220		)
Total reserve liabilities	$	70,951		$	65,271

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