10-K/APeriod: FY2016

AMERICAN INTERNATIONAL GROUP, INC. Annual Report (Amendment), Year Ended Dec 31, 2016

Filed April 27, 2017For Securities:AIG

Summary

This filing is an amendment to AMERICAN INTERNATIONAL GROUP, INC. (AIG)'s 2016 Annual Report on Form 10-K, specifically addressing Part III of the report. It details information regarding the company's directors, executive officers, corporate governance, executive compensation, and security ownership. Key aspects include the composition of the Board of Directors, with a focus on director nominees and their qualifications, and a detailed breakdown of the executive compensation structure for 2016, emphasizing the balance between base salary, short-term, and long-term incentives. The report highlights performance-based compensation tied to Total Shareholder Return (TSR) and Option Adjusted Spreads (OAS), alongside robust clawback and share ownership policies designed to align executive interests with those of shareholders and manage risk. The filing also provides transparency into director compensation, non-qualified deferred compensation plans, and potential payments upon termination of employment for named executive officers. Overall, this amendment provides critical governance and compensation-related information for investors to assess AIG's leadership, risk management practices tied to compensation, and alignment with shareholder value creation as of the end of the 2016 fiscal year.

Financial Statements
Beta
Revenue$52.37B
SG&A Expenses$10.99B
Operating Income-$759.00M
Interest Expense$1.26B
Net Income-$849.00M
EPS (Basic)$-0.78
EPS (Diluted)$-0.78
Shares Outstanding (Basic)1.09B
Shares Outstanding (Diluted)1.09B

Key Highlights

  • 1AIG is filing an amendment to its 2016 10-K to provide Part III disclosures, including details on directors, executive officers, and compensation, as the definitive proxy statement was not filed within the required timeframe.
  • 2The Board of Directors comprises sixteen directors, with thirteen nominees proposed for election at the 2017 Annual Meeting. Several directors are retiring or not seeking re-election.
  • 3Peter D. Hancock will continue as President and CEO until a successor is appointed or December 31, 2017, playing a role in the management transition.
  • 4Executive compensation is structured with a balance of base salary, short-term incentives (STI), and long-term incentives (LTI), with LTI comprising at least 40% of target total direct compensation.
  • 5LTI awards for 2016 are primarily Performance Share Units (PSUs) tied to relative Total Shareholder Return (TSR) and relative Option Adjusted Spreads (OAS) as a gating metric, aiming to align with long-term shareholder interests and manage risk.
  • 6The company maintains robust compensation governance practices, including a comprehensive clawback policy, share ownership guidelines, and annual risk assessments of compensation plans.
  • 7Details on director compensation reveal retainers and stock unit awards, with non-management directors expected to hold stock value equivalent to five times their annual retainer.

Frequently Asked Questions

AIG is filing this amendment because it will not be filing its definitive proxy statement within 120 days of the end of its fiscal year. This amendment provides the information required for Part III of Form 10-K, which includes details on directors, executive officers, corporate governance, executive compensation, and security ownership.

AIG's Board has sixteen directors. For the 2017 Annual Meeting, thirteen directors are nominated for election. Two directors (George L. Miles, Jr. and Robert S. Miller) are retiring due to age guidelines, and John A. Paulson will not be renominated due to other time commitments.

AIG's executive compensation structure is designed to be performance-driven and aligned with shareholder interests. It includes a balanced mix of base salary (25-35% of target total direct compensation), short-term incentives (STI), and long-term incentives (LTI). LTI represents at least 40% of target total direct compensation and is primarily in the form of Performance Share Units (PSUs) tied to performance metrics like Total Shareholder Return (TSR) over a three-year period.

AIG emphasizes risk management in its compensation practices. Key features include LTI awards based on TSR balanced by Option Adjusted Spreads (OAS) as a gating metric, a robust clawback policy covering at least 75% of target total direct compensation, and share ownership guidelines requiring executives to retain 50% of after-tax shares until ownership targets are met. Annual risk assessments of compensation plans are conducted to ensure they do not encourage excessive risk-taking.