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NEW YORK–(BUSINESS WIRE)–Oct 30, 2018–Voya Financial, Inc. (NYSE: VOYA) today appear banking after-effects for the third division of 2018.



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“During the third quarter, we connected to accomplish able advance on our 2018 priorities,” said Rodney O. Martin, Jr., administrator and CEO, Voya Financial, Inc. “Our charge to accomplishing our advance affairs this year was approved in the third division by absolute net flows in both Retirement and Advance Administering and an access in annualized in-force premiums in Employee Benefits. We additionally generated able bottom-line results. Excluding the abrogating appulse of DAC/VOBA and added affluence unlocking and the anniversary of accommodation fees and another advance assets aloft our abiding expectations, normalized third-quarter 2018 adapted operating balance were $1.34 per adulterated share, after-tax. This demonstrates our charge to convalescent our adapted operating balance per allotment to adeptness $1.30 to $1.40 per allotment by the end of the added division of 2019.

“In accession to amoebic growth, we connected to assassinate on our basic initiatives as we repurchased $250 actor of accepted banal in the third quarter. We additionally accustomed an added allotment repurchase allotment of $500 actor from the lath of directors, which will accredit us to abide to bear added actor bulk through allotment repurchases. Finally, we connected to focus on accomplishing bulk accumulation and began to booty accomplishments to lower our debt-to-capital arrangement by the end of this year.

“We are attractive advanced to our accessible Broker Day on Nov. 13, back we’ll allotment our abiding advance affairs and opportunities to body aloft the assisting advance we’ve accomplished over the accomplished several years, accomplish added actor value, aggrandize our relationships with our customers, and accomplish our eyes to be America’s Retirement Company,” added Martin.



Voya additionally appear today that the aggregation has assured the cardinal analysis of its Alone Action business. The aggregation will cease all new sales of alone action allowance on Dec. 31, 2018 and absorb the in-force block of policies.

“Following the auction of essentially all of our alone annuities businesses beforehand this year, we conducted a absolute analysis of our Alone Action business to actuate the best aisle forward. We anxiously advised our broader, go-forward action of abundantly absorption on the abode and institutional clients, analyzed the options accessible to us, and assured that abeyance new sales aligns with our affairs to focus on our higher-growth, higher-return, capital-light businesses: Retirement, Advance Administering and Employee Benefits,” said Martin.

“Further, continuing to own the in-force block will anniversary shareholders in that it will accommodate balance and basic about-face and accomplish college chargeless banknote flows. Specifically, we apprehend our Alone Action business to access chargeless banknote breeze about-face to 70% to 80% and accomplish allusive free cash breeze of at atomic $1 billion over the abutting bristles to six years.

“Voya will abide to be acceptable admiral of actor capital. As we accept over the accomplished several years, we will abide to assay and accompany opportunities to aerate the bulk of our in-force action allowance business,” assured Martin.

Voya will abide to address its Alone Action articulation banking after-effects as allotment of the company’s adapted operating earnings.

THIRD-QUARTER 2018 SUMMARY

1 This columnist absolution includes assertive non-GAAP banking measures, including adapted operating balance and book value, excluding accumulated added absolute income. Added admonition on non-GAAP measures and reconciliations to the best commensurable U.S. GAAP measures can be begin in the “Use of Non-GAAP Banking Measures” area of this absolution and in the company’s Quarterly Broker Supplement.

Net assets accessible to accepted shareholders for the third division of 2018 was $142 million, or $0.87 per adulterated share, compared with $149 million, or $0.81 per adulterated allotment in the third division of 2017. The advance on a per-share base reflects the company’s allotment repurchases. Absolute third-quarter 2018 net assets accessible to accepted shareholders was lower due to college assets from continuing operations in the third division of 2018 actuality added than anniversary by the anniversary of assets from discontinued operations in the third division of 2017.

Adjusted operating balance for the third division of 2018 were $139 million, or $0.84 per adulterated share, after-tax, up from $29 million, or $0.16 per adulterated share, after-tax, in the third division of 2017. The access was abundantly due to third-quarter 2018 after-effects accepting lower abrogating DAC/VOBA and added affluence unlocking, college another advance income, lower costs and college fee-based margins.

THIRD-QUARTER 2018 HIGHLIGHTS

Continued beheading of the company’s 2018 priorities, including growth, basic and bulk extenuative initiatives.Capital initiatives: Repurchased $250 actor of Voya accepted banal during the third division — the aggregation affairs to acquirement an added $250 actor of accepted banal in the fourth division and bear on its ahead appear plan in December 2017 to repurchase $1.5 billion in shares by the end of 2018.Issued $325 actor of adopted shares in the third quarter, the accretion of which will be activated to abate outstanding chief debt by $325 actor in the fourth division of 2018.Pro-forma for the accepted debt repurchase in the fourth division of 2018, balance basic was $813 actor as of Sept. 30, 2018.Strong achievement from Voya’s higher-growth, higher-return, capital-light businesses: Retirement accomplished almanac adapted operating balance (excluding DAC/VOBA and added affluence unlocking) of $203 million, abundantly apprenticed by able accommodation fees and another advance assets as able-bodied as college fee-based margins. Retirement Full Account alternating deposits were $2.3 billion, and Full Account net flows were $99 actor in the third quarter.Investment Administering appear $48 actor of adapted operating balance and generated $1.4 billion of Institutional net flows, absorption able bartering advance in the business. Third-party sales were $5.5 billion during the quarter, and third-party AUM grew to $155 billion as of Sept. 30, 2018.Employee Allowances generated adapted operating balance of $50 million, including underwriting after-effects that reflect an bigger accident arrangement for Stop Loss. Annualized in-force premiums added 2% compared with the third division of 2017, absorption both connected appraisement conduct and a able access in the Voluntary business.Total aggregation assets beneath administering and administering grew to $543 billion as of Sept. 30, 2018.

SEGMENT DISCUSSIONS

The afterward articulation discussions assay the third division of 2018 with the third division of 2017, unless contrarily noted. All abstracts are presented afore assets taxes.

Retirement

Retirement adapted operating balance were $253 million, up from $107 million. The access was abundantly due to:

$50 actor of absolute DAC/VOBA and added affluence unlocking in the third division of 2018 compared with $44 actor of abrogating DAC/VOBA and added affluence unlocking in the third division of 2017;$35 actor of college fee-based allowance primarily due to college boilerplate AUM (driven by both disinterestedness bazaar and business growth) as able-bodied as the anniversary of fees from the movement of assertive investment-only articles to Retirement from Corporate;$33 actor of college advance income, including accommodation fee and another advance assets that was, in aggregate, $27 actor aloft the company’s abiding expectations (before the aftereffect of assets taxes and DAC) in the third division of 2018; and$20 actor of college authoritative costs abundantly due to the movement of assertive investment-only articles and cardinal advance spending to Retirement from Corporate.

Investment Management

Investment Administering adapted operating balance were $48 million, compared with $54 million. The abatement was abundantly due to:

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$6 actor of lower fee-based revenues as abate accepted anniversary boilerplate AUM constant from the company’s June 1, 2018 auction of essentially all of its annuities businesses was partially anniversary by advance in third-party administering fees (driven by absolute net flows and college third-party AUM);$3 actor of college advance basic revenues, which were additionally $3 actor aloft abiding expectations in the third division of 2018; and$3 actor of college costs primarily due to college accumulated costs associated with college revenue.

Total Advance Administering AUM grew to $210 billion as of Sept. 30, 2018, up from $207 billion as of June 30, 2018. The abatement from Sept. 30, 2017 reflects the auction of essentially all of the company’s alone annuities business on June 1, 2018. During the third division of 2018, Advance Administering net inflows of $477 actor were apprenticed by able Institutional net flows of $1.4 billion, primarily from anchored assets asset classes.

Employee Benefits

Employee Allowances adapted operating balance were $50 million, bottomward from $58 million. The abatement was abundantly due to:

$5 actor of lower underwriting after-effects due to a non-recurring favorable assets acclimation of $25 actor in the third division of 2017 — adjusting for the assets change, underwriting after-effects bigger by $20 actor due to advance in the accident arrangement for Stop Accident and advance in the Voluntary block, which were partially anniversary by a college Group Action accident ratio;$4 actor of college authoritative costs to abutment advance in the business; and$2 actor of college advance income, including accommodation fee and another advance assets that was, in aggregate, $2 actor aloft the company’s abiding expectations (before the aftereffect of assets taxes and DAC) in the third division of 2018.

Compared with the third division of 2017, absolute Employee Allowances in-force premiums added 2%, absorption able advance in Voluntary premiums and connected appraisement conduct in Stop Loss. During the third division of 2018, the Stop Accident and Group Action accident ratios were aural the company’s targeted anniversary ambit of 77-80%.

Individual Life

Individual Action adapted operating balance were $(134) actor compared with $(66) million. The college accident was due to:

$57 actor of college abrogating DAC/VOBA and added affluence unlocking apprenticed by acceptance changes, primarily accompanying to added accepted bulk of reinsurance;$11 actor of college advance income, including accommodation fee and another advance assets that was, in aggregate, $10 actor aloft the company’s abiding expectations (before the aftereffect of assets taxes and DAC) in the third division of 2018; and$4 actor of college authoritative costs due to the reallocation of cardinal advance spending from Corporate into the business segments.

Total Alone Action sales, which primarily abide of indexed action insurance, were $20 million, up from $18 million.

Corporate

Corporate adapted operating losses were $(54) million, including $5 actor of absolute DAC/VOBA and added affluence unlocking, compared with losses of $(110) million. The advance was abundantly due to the reallocation of cardinal advance spending into the business segments, acquirement from the company’s alteration account agreements associated with the auction of essentially all of its alone annuities businesses on June 1, 2018, and college balance from the company’s bequest annuities business.

Share Repurchases

In the third division of 2018, Voya repurchased 5,056,422 shares of its accepted banal at an boilerplate bulk per allotment of $49.44 for an accumulated acquirement bulk of about $250 million.

The aggregation appear today that its lath of admiral has added the bulk of the company’s accepted banal accustomed for repurchase beneath the company’s allotment repurchase affairs by an added $500 million. This added allotment increases the accumulated bulk accessible beneath the company’s allotment repurchase allotment to about $761 actor as of Sept. 30, 2018. Beneath its allotment repurchase program, the aggregation may, from time to time, acquirement shares of its accepted banal through assorted means, including accessible bazaar transactions, abreast adjourned transactions, forward, derivative, accelerated repurchase, or automated repurchase transactions, or breakable offers. The added $500 actor allotment repurchase allotment expires on Dec. 31, 2019 (unless extended), and does not astrict the aggregation to acquirement any shares. The allotment for the allotment repurchase affairs may be terminated, added or decreased by the lath of admiral at any time.

Supplementary Banking Information

More abundant banking admonition can be begin in the company’s Quarterly Broker Supplement, which is accessible on Voya’s broker relations website, investors.voya.com.

Earnings Alarm and Accelerate Presentation

Voya will host a appointment alarm on Wed., Oct. 31, 2018, at 10 a.m. ET, to altercate the company’s third-quarter 2018 results. The alarm and accelerate presentation can be accessed via the company’s broker relations website at investors.voya.com. A epitomize of the alarm will be accessible on the company’s broker relations website at investors.voya.com starting at 1 p.m. ET on Oct. 31, 2018.

About Voya Financial

Voya Financial, Inc. (NYSE: VOYA), helps Americans plan, advance and assure their accumulation — to get accessible to retire better. Serving the banking needs of about 14.3 actor alone and institutional barter in the United States, Voya is a Fortune 500 aggregation that had $8.6 billion in acquirement in 2017. The aggregation had $543 billion in absolute assets beneath administering and administering as of Sept. 30, 2018. With a bright mission to accomplish a defended banking approaching accessible — one person, one family, one academy at a time — Voya’s eyes is to be America’s Retirement Aggregation ®. Certified as a “Great Place to Work” by the Great Place to Work ® Institute, Voya is appropriately committed to administering business in a way that is socially, environmentally, economically and ethically responsible. Voya has been accustomed as one of the 2018 World’s Best Ethical Companies ® by the Ethisphere Institute, one of the 2018 World’s Best Admired Companies by Fortune annual and one of the Top Green Companies in the U.S. by Newsweek magazine. For added information, appointment voya.com. Follow Voya Banking on Facebook, LinkedIn and Twitter @Voya.

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Use of Non-GAAP Banking Measures

Adjusted operating balance afore assets taxes is a admeasurement acclimated to appraise articulation performance. We accept that Adapted operating balance afore assets taxes provides a allusive admeasurement of its business and articulation performances and enhances the compassionate of our banking after-effects by absorption on the operating achievement and trends of the basal business segments and excluding items that tend to be awful capricious from aeon to aeon based on basic bazaar altitude and/or added factors. We use the aforementioned accounting behavior and procedures to admeasurement articulation Adapted operating balance afore assets taxes as we do for the anon commensurable U.S. GAAP admeasurement Assets (loss) from continuing operations afore assets taxes.

Adjusted operating balance afore assets taxes does not alter Assets (loss) from continuing operations afore assets taxes as the commensurable U.S. GAAP admeasurement of our circumscribed after-effects of operations. Therefore, we accept that it is advantageous to appraise both Assets (loss) from continuing operations afore assets taxes and Adapted operating balance afore assets taxes back reviewing our banking and operating performance. Anniversary segment’s Adapted operating balance afore assets taxes is afflicted by adjusting Assets (loss) from continuing operations afore assets taxes for the afterward items:

Net advance assets (losses), net of accompanying acquittal of DAC, VOBA, sales inducements and unearned revenue, which are decidedly afflicted by bread-and-butter and bazaar conditions, including absorption ante and acclaim spreads, and are not apocalyptic of accustomed operations. Net advance assets (losses) accommodate assets (losses) on the auction of securities, impairments, changes in the fair bulk of investments appliance the FVO different to the adumbrated loan-backed aegis assets acceptance for assertive mortgage-backed obligations and changes in the fair bulk of acquired instruments, excluding accomplished assets (losses) associated with bandy settlements and accrued interest;Net affirmed anniversary ambiguity assets (losses), which are decidedly afflicted by bread-and-butter and bazaar altitude and are not apocalyptic of accustomed operations, accommodate changes in the fair bulk of derivatives accompanying to affirmed benefits, net of accompanying assets increases (decreases) and net of accompanying acquittal of DAC, VOBA and sales inducements, beneath the estimated bulk of these benefits. The estimated cost, which is reflected in operating results, reflects the accepted bulk of these allowances if markets accomplish in band with our abiding expectations and includes the bulk of hedging. Added acquired and assets changes accompanying to affirmed allowances are afar from operating results, including the impacts accompanying to changes in abortion spread;Income (loss) accompanying to businesses exited through reinsurance or denial that do not authorize as discontinued operations, which includes assets and (losses) associated with affairs to avenue blocks of business (including net advance assets (losses) on balance awash and costs anon accompanying to these transactions) and balance run-off activity; these assets and (losses) are generally accompanying to exceptional contest and do not reflect achievement of operating segments. Excluding this action bigger reveals trends in our amount business, which would be blocked by including the furnishings of business exited, and added carefully aligns Adapted operating balance afore assets taxes with how we manages our segments;Income (loss) attributable to noncontrolling interest, which represents the absorption of shareholders, added than those of Voya Financial, Inc., in the assets and (losses) of circumscribed entities, or the allegation of after-effects from circumscribed VIEs or VOEs to which we are not economically entitled;Income (loss) accompanying to aboriginal concealment of debt, which includes losses incurred as a aftereffect of affairs area we repurchase outstanding arch amounts of debt; these losses are afar from Adapted operating balance afore assets taxes back the aftereffect of decisions to restructure debt are not apocalyptic of accustomed operations;Impairment of goodwill, bulk of administering arrangement rights and bulk of chump relationships acquired, which includes losses as a aftereffect of crime analysis; these represent losses accompanying to exceptional contest and do not reflect normal, cash-settled expenses;Immediate acceptance of net actuarial assets (losses) accompanying to our alimony and added postretirement anniversary obligations and assets (losses) from plan amendments and curtailments, which includes actuarial assets and losses as a aftereffect of differences amid absolute and accepted acquaintance on alimony plan assets or projected anniversary obligation during a accustomed period. We anon admit actuarial assets and (losses) accompanying to alimony and added postretirement anniversary obligations and assets and losses from plan adjustments and curtailments. These amounts do not reflect normal, cash-settled costs and are not apocalyptic of accepted Operating amount fundamentals; andOther items not apocalyptic of accustomed operations or achievement of our segments or may be accompanying to exceptional contest including basic or authoritative restructurings including assertive costs accompanying to debt and disinterestedness offerings as able-bodied as banal and/or banknote based accord accidental awards; costs associated with the rebranding of Voya Financial, Inc.; severance and added third-party costs associated with restructuring. These items alter broadly in timing, ambit and abundance amid periods as able-bodied as amid companies to which we are compared. Accordingly, we acclimatize for these items as we accept that these items alter the adeptness to accomplish a allusive appraisal of the accepted and approaching achievement of our segments. Additionally, with account to restructuring, these costs represent changes in operations rather than investments in the approaching capabilities of our operating businesses.

Adjusted operating balance afore assets taxes for Corporate includes Net advance assets (losses) and Net affirmed anniversary ambiguity assets (losses) associated with the Retained Business in periods above-mentioned to 2018. These retained amounts are bush and do not alter the adeptness to accomplish a allusive appraisal of the trends of Corporate activities.

Income (loss) accompanying to businesses exited through reinsurance or denial (including net advance assets (losses) on balance awash and costs anon accompanying to these transactions) is afar from the after-effects of operations from Adapted operating balance afore assets taxes. Back we present the adjustments to Assets (loss) from continuing operations afore assets taxes on a circumscribed basis, anniversary acclimation excludes the about portions attributable to businesses exited through reinsurance or divestment.

The best anon commensurable U.S. GAAP admeasurement to Adapted operating balance afore assets taxes is Assets (loss) from continuing operations afore assets taxes. For a adaptation of Adapted operating balance afore assets taxes to Assets (loss) from continuing operations afore assets taxes, see the tables that accompany this release, as able-bodied as our Quarterly Broker Supplement.

Adjusted operating balance – excluding unlocking is additionally a non-GAAP banking measure. This admeasurement excludes from Adapted operating balance afore assets taxes the afterward items:

DAC/VOBA and added affluence unlocking; andThe net assets included in Adapted operating balance from a administering of banknote and balance in affiliation with a Lehman Brothers defalcation adjustment (“Lehman Recovery”), and losses as a aftereffect of the accommodation to actuate of assertive Low Assets Apartment Tax Acclaim partnerships (“LIHTC”) as a beggarly of departure this asset class.

Because DAC/VOBA and added affluence unlocking can be volatile, excluding the aftereffect of this account can advance aeon to aeon comparability. The net accretion from the Lehman Brothers defalcation adjustment and accident from the disposition of low-income apartment tax acclaim partnerships afflicted run-rate after-effects and we accept that this aftereffect is not cogitating of our advancing performance. .

In accession to Net assets (loss) per accepted share, we address Adapted operating balance per accepted allotment (diluted) because we accept that Adapted operating balance afore assets taxes provides a allusive admeasurement of its business and articulation performances and enhances the compassionate of our banking after-effects by absorption on the operating achievement and trends of the basal business segments and excluding items that tend to be awful capricious from aeon to aeon based on basic bazaar altitude and/or added factors.

In accession to book bulk per accepted allotment including Accumulated added absolute assets (AOCI), we additionally address book bulk per accepted allotment excluding AOCI and shareholders’ disinterestedness excluding AOCI and adopted stock. Included in AOCI are advance portfolio abeyant assets or losses. In the accustomed advance of business we do not plan to advertise best investments for the sole purpose of acumen assets or losses, and book bulk per accepted allotment excluding AOCI and accepted shareholders’ disinterestedness excluding AOCI accommodate a admeasurement constant with that view. The Adapted debt to basic arrangement includes a 25% disinterestedness analysis afforded to subordinated debt, 100% disinterestedness analysis afforded to adopted banal and excludes AOCI.

For a adaptation of these non-GAAP measures to the best anon commensurable U.S. GAAP measures, accredit to the tables that accompany this release, as able-bodied as our Quarterly Broker Supplement.

We assay our articulation achievement based on the sources of earnings. We accept this added admonition is advantageous in adjustment to accretion a bigger compassionate of our Adapted operating balance afore assets taxes for the afterward reasons: (1) we assay our business appliance this admonition and (2) this presentation can be accessible for investors to accept the capital drivers of Adapted operating balance (loss) afore assets taxes. The sources of balance are authentic as such:

Investment advance and added advance assets consists of net advance assets and net accomplished advance assets (losses) associated with bandy settlements and accrued interest, beneath absorption accustomed to policyholder reserves.Fee based allowance consists primarily of fees becoming on assets beneath administering (“AUM”), assets beneath administering (“AUA”), and transaction based recordkeeping fees.Net underwriting accretion (loss) and added acquirement contains the following: the aberration amid fees answerable for allowance risks and incurred benefits, including mortality, morbidity, and abandonment results, acknowledged accuse for accepted action and accomplishment contracts, the change in the unearned acquirement assets for accepted action contracts, and that allocation of acceptable action allowance premiums advised to awning costs and profits. Assertive arrangement accuse for accepted action allowance are not accustomed in assets immediately, but are deferred as unearned revenues and are amortized into assets in a address agnate to the acquittal of DAC.Administrative costs are accepted expenses, net of amounts capitalized as accretion costs and exclude agency costs and fees on belletrist of credit.Trail commissions are commissions paid that are not deferred and appropriately recorded anon to expense.For a detail account of DAC/VOBA and added affluence amortization/unlocking accredit to our Anniversary Address on Form 10-K and our Quarterly Address on Form 10-Q.

More capacity on these sources of balance can be begin in Voya Financial’s Quarterly Broker Supplement, which is accessible on Voya Financial’s broker relations website, investors.voya.com.

Forward-Looking and Added Cautionary Statements

This columnist absolution contains advanced statements. Advanced statements accommodate statements apropos to approaching developments in our business or expectations for our approaching banking achievement and any account not involving a absolute fact. Advanced statements use words such as “anticipate,” “believe,” “estimate,” “expect,” “intend,” “plan,” and added words and agreement of agnate acceptation in affiliation with a altercation of approaching operating or banking performance. Absolute results, achievement or contest may alter materially from those projected in any advanced account due to, amid added things, (i) accepted bread-and-butter conditions, decidedly bread-and-butter altitude in our amount markets, (ii) achievement of banking markets, including arising markets, (iii) the abundance and severity of insured accident events, (iv) bloodshed and anguish levels, (v) persistency and blooper levels, (vi) absorption rates, (vii) bill barter rates, (viii) accepted aggressive factors, (ix) changes in laws and regulations, such as those apropos to Federal taxation, accompaniment allowance regulations and NAIC regulations and guidelines, including those affecting assets requirements for capricious accomplishment behavior and the use of and accessible appliance of NAIC accreditation standards to bound reinsurance entities, those fabricated pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, and the U.S. Department of Labor’s final rules and exemptions pertaining to the fiduciary cachet of providers of advance advice, or any amendments thereto, (x) changes in the behavior of governments and/or authoritative authorities, and (xi) our adeptness to auspiciously administer the break of Venerable, including the alteration services, on the accepted timeline and bread-and-butter terms. Factors that may account absolute after-effects to alter from those in any advanced account additionally accommodate those declared beneath “Risk Factors” and “Management’s Altercation and Analysis of After-effects of Operations and Banking Condition – Trends and Uncertainties” in our Anniversary Address on Form 10-K for the year concluded Dec. 31, 2017, which the aggregation filed with the Balance and Barter Agency on Feb. 23, 2018 and in our Quarterly Address on Form 10-Q for the three-month aeon concluded Sept. 30, 2018, which the aggregation expects to book with the Balance and Barter Agency on or afore Nov. 9, 2018.

VOYA-IR

(1) Voya Banking assumes a 32% tax amount on adapted operating balance and all apparatus of adapted operating balance declared as “after tax” for 2017. For 2018, the adapted operating able tax amount is based on the absolute assets tax amount for the accepted aeon accompanying to Assets (loss) from continuing operations, adapted for estimated taxes on non-operating items and non-operating tax impacts, such as those accompanying to restructuring, changes in a tax appraisal allowance and changes to tax law, including the Tax Cuts and Jobs Act. A 35% tax amount is activated to all non-operating items in 2017 and 21% in 2018. The 32% tax amount for 2017 adapted operating balance and apparatus reflects the estimated anniversary of the allotment accustomed answer accompanying to the company’s Retirement, Advance Management, Employee Allowances and Alone Action segments.

(2) “Other adjustments” consists of net affirmed anniversary ambiguity assets (losses) and accompanying accuse and adjustments; assets (loss) from business exited; actual acceptance of net actuarial assets (losses) accompanying to alimony and added post-retirement anniversary obligations and assets (losses) from plan amendments and curtailments; costs associated with the rebranding of Voya Banking from ING U.S.; and restructuring costs (severance, charter write-offs, etc.).

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(1) In our Advance Administering business, adapted operating allowance excluding Advance Basic after-effects is appear because after-effects from Advance Basic can be airy and excluding the aftereffect of this account can advance period-to-period comparability.

View antecedent adaptation on businesswire.com:https://www.businesswire.com/news/home/20181030006092/en/

CONTACT: Media:

Christopher Breslin, 212-309-8941

Christopher.Breslin@voya.com

or

Bill Sutton, 860-580-2626

William.Sutton@voya.com

or

Investors:

Michael Katz, 212-309-8999

IR@voya.com

or

Billy Cheung, 212-309-8984

IR@voya.com

KEYWORD: UNITED STATES NORTH AMERICA NEW YORK

INDUSTRY KEYWORD: PROFESSIONAL SERVICES BANKING FINANCE

SOURCE: Voya Financial, Inc.

Copyright Business Wire 2018.

PUB: 10/30/2018 04:15 PM/DISC: 10/30/2018 04:15 PM

http://www.businesswire.com/news/home/20181030006092/en

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