1、Potential,unleashedAbout EverestDelivering consistent,industry-leading shareholder returnsAs a global leader with a 50-year track record,we are a preferred Reinsurance partner in the markets we serve,and with our growing Insurance franchise we deliver consistent value to all our stakeholders.Robust
2、financial strengthFinancial strength ratingA1Moodys Investors ServiceA+S&P GlobalA+A.M.BESTStable outlook16.3%Debt to Capital$37.1BAverage credit quality AA-$13.2BGAAP EquityEverest Group,Ltd.2A message from our chairmanPotential,unleashedEverest finished the year with close to$17 billion in premium
3、,not only improving the scale of our portfolio,but the quality and profit potential as well.Our leading financial performance was underpinned by best-in-class execution of our underwriting strategies and strong market tailwinds across our leading franchises.The Companys reinsurance business,now the
4、fourth largest in the global P&C market,delivered exceptional top-and bottom-line growth.Everest continued to gain share as a preferred partner to top cedants globally in the ongoing flight to quality.Everest also continued to unlock value in its primary business.We made great strides in our strateg
5、y to scale the platform,bringing top-tier talent and capabilities to new markets around theglobe.Our opportunistic equity raise in the second quarter provided$1.5 billion in additional firepower to capitalize on the hard market.Everests results generated a total shareholder return of 26.5%.They refl
6、ect a relentless focus on the details of running a world-class companyand the cumulative actions of a management team that delivers on its promises.A vision realized Guided by a clear vision for sustainable growth and leading returns,Juan and his leadership team have steered Everests profound transf