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AIG Australia Limited (AIG Australia) is a general insurance company and is regulated by the Australian Prudential Regulation Authority (APRA).

To improve policyholders’ and other market participants’ understanding of AIG Australia’s capital adequacy position, APRA’s Prudential Standard GPS110 Capital Adequacy requires AIG Australia to publish its capital adequacy position on an annual basis.

AIG Australia’s capital adequacy position has been calculated as at 31 December 2025 and is provided below:

AIG Australia’s Capital Base

($’000)

Net Assets

728,475

Net Surplus/(deficit) relating to Insurance Liabilities

(160,187)

Regulatory Adjustments to Common Equity Tier 1 Capital

165,631

Common Equity Tier 1 Capital

733,919

Additional Tier 1 Capital

0

Regulatory Adjustments to Additional Tier 1 Capital

0

Tier 2 Capital

0

Regulatory Adjustment to Tier 2 Capital

0

Capital Base

733,919

 

AIG Australia’s Prescribed Capital Amount

($’000)

Insurance Risk Charge

194,724

Insurance Concentration Risk Charge

47,979

Asset Risk Charge

147,811

Asset Concentration Risk Charge

0

Operational Risk Charge

34,696

less Aggregation Benefits

(82,127)

Prescribed Capital Amount

343,083

 

AIG Australia’s Capital Adequacy Multiple

($’000)

Capital Base

733,919

 

divided by

Prescribed Capital Amount

343,083

Capital Adequacy Multiple

2.14