MetLife, Inc., a financial services company, provides insurance, annuities, employee benefits, and asset management services worldwide. It operates through five segments: U.S.; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings. The company offers life, dental, group short-and long-term disability, individual disability, pet insurance, accidental death and dismemberment, vision, and accident and health coverages, as well as prepaid legal plans; administrative services-only arrangements to employers; and general and separate account, and synthetic guaranteed interest contracts, as well as private floating rate funding agreements. It also provides pension risk transfers, institutional income annuities, structured settlements, and capital markets investment products; and other products and services, such as life insurance products and funding agreements for funding postretirement benefits, as well as company, bank, or trust-owned life insurance used to finance nonqualified benefit programs for executives. In addition, it provides fixed, indexed-linked, and variable annuities; and pension products; regular savings products; whole and term life, endowments, universal and variable life, and group life products; longevity reinsurance solutions; credit insurance products; and protection against long-term health care services. MetLife, Inc. was founded in 1863 and is headquartered in New York, New York.

MetLife, Inc.

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CapEx

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Group Benefits Adjusted Earnings

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Retirement & Income Solutions (RIS) Adjusted Earnings

Retirement & Income Solutions (RIS) Adjusted Earnings % Chg.

US Adjusted Earnings

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Asia Adjusted Earnings

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Latin America Adjusted Earnings

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EMEA Adjusted Earnings

EMEA Adjusted Earnings % Chg.

MetLife Holdings Adjusted Earnings

MetLife Holdings Adjusted Earnings % Chg.

Corporate & Other Adjusted Earnings

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Total Adjusted Net Income

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Expense Ratio

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Direct Expense Ratio

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Key Performance Indicators

Group Benefits Premiums

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Retirement & Income Solutions (RIS) Premiums

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US Premiums

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Asia Premiums

Asia Premiums % Chg.

Latin America Premiums

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EMEA Premiums

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MetLife Holdings Premiums

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Corporate & Other Premiums

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Eliminations from Premiums

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Total Net Premiums Earned

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Net Premiums Earned

Group Benefits Revenue

Group Benefits Revenue % Chg.

Group Benefits Revenue Common Size

Retirement & Income Solutions (RIS) Revenue

Retirement & Income Solutions (RIS) Revenue % Chg.

Retirement & Income Solutions (RIS) Revenue Common Size

US Revenue

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US Revenue Common Size

Asia Revenue

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Asia Revenue Common Size

Latin America Revenue

Latin America Revenue % Chg.

Latin America Revenue Common Size

EMEA Revenue

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EMEA Revenue Common Size

MetLife Holdings Revenue

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MetLife Holdings Revenue Common Size

Corporate & Other Revenue

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Eliminations from Revenue

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Other Revenue

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Total Revenue

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Total Revenue % Chg.

Net Premiums Earned	LTM	Dec '24	Dec '23
Group Benefits Premiums	22,805	22,427	21,558
Retirement & Income Solutions (RIS) Premiums	7,999	8,034	8,248
US Premiums	30,804	30,461	29,806
Asia Premiums	5,034	4,991	5,251
Latin America Premiums	4,810	4,476	4,287
EMEA Premiums	2,414	2,202	2,016
MetLife Holdings Premiums	2,604	2,780	2,881
Corporate & Other Premiums	17	35	42
Eliminations from Premiums	—	—	—
Total Net Premiums Earned	45,683	44,945	44,283

Revenue	LTM	Dec '24	Dec '23
Group Benefits Revenue	26,625	26,122	25,230
Retirement & Income Solutions (RIS) Revenue	17,212	17,076	16,635
US Revenue	43,837	43,198	41,865
Asia Revenue	11,776	11,415	10,926
Latin America Revenue	7,945	7,586	7,371
EMEA Revenue	3,011	2,770	2,543
MetLife Holdings Revenue	7,020	7,257	8,202
Corporate & Other Revenue	798	—	808
Eliminations from Revenue	—	—	-4,810
Other Revenue	-2,451	-1,240	—
Total Revenue	71,936	70,986	66,905

Adjusted Net Income	LTM	Dec '24	Dec '23
Group Benefits Adjusted Earnings	1,638	1,606	1,655
Retirement & Income Solutions (RIS) Adjusted Earnings	1,591	1,667	1,708
US Adjusted Earnings	3,229	3,273	3,363
Asia Adjusted Earnings	1,710	1,621	1,282
Latin America Adjusted Earnings	799	881	840
EMEA Adjusted Earnings	330	283	265
MetLife Holdings Adjusted Earnings	654	647	733
Corporate & Other Adjusted Earnings	-968	—	-760
Total Adjusted Net Income	5,754	6,705	5,723

Key Performance Indicators	LTM	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17
Expense Ratio	—	19%	18.7%
Direct Expense Ratio	—	10.7%	11.2%