MetLife continues to operate in six segments: Group Benefits, RIS, Asia, Latin America, EMEA, and MetLife Holdings. The company continues to report certain results in Corporate & Other.

The company entered into an agreement to sell its ownership interests in AmMetLife Insurance Berhad (Malaysia) and AmMetLife Takaful Berhad (Malaysia). The transaction is expected to close in 2024 and is subject to regulatory approvals and satisfaction of other closing conditions.

The company continues to monitor political and economic conditions that might contribute to global market volatility and impact business operations, investment portfolio and derivatives, such as global inflation, supply chain disruptions, acts of war, and banking sector volatility.

Management uses adjusted earnings to evaluate performance and allocate resources. The company believes the presentation of adjusted earnings enhances the understanding of its performance by highlighting the results of operations and the underlying profitability drivers of the business.

The company's economic capital model, coupled with considerations of local capital requirements, aligns segment allocated equity with emerging standards and consistent risk principles. The model applies statistics-based risk evaluation principles to the material risks to which the company is exposed.

The company's management is responsible for the ongoing production and enhancement of the economic capital model and reviews its approach periodically to ensure that it remains consistent with emerging industry practice standards.

MetLife identifies a number of risks that could cause results to differ materially from forward-looking statements, including economic condition difficulties, global capital and credit market adversity, credit facility inaccessibility, financial strength or credit ratings downgrades, and unavailability, unaffordability, or inadequate reinsurance.

MetLife identifies a number of risks related to investments, including investment defaults, downgrades, or volatility, investment sales or lending difficulties, collateral or derivative-related payments, and investment valuations, allowances, or impairments changes.

MetLife identifies a number of risks related to operational and technological issues, including insufficient protection from operational risks, failure to protect confidentiality and integrity of data or other cybersecurity or disaster recovery failures, and technological changes.

MetLife is one of the world's leading financial services companies, providing insurance, annuities, employee benefits and asset management. MetLife is organized into six segments: Group Benefits; Retirement and Income Solutions (“RIS”); Asia; Latin America; Europe, the Middle East and Africa (“EMEA”); and MetLife Holdings.

The company continues to be impacted by the changing global financial and economic environment, the fiscal and monetary policy of governments and central banks around the world and other governmental measures. Global inflation, supply chain disruptions, acts of war and banking sector volatility continue to impact the global economy and financial markets.

Market interest rates are a key driver of the company's results. Increases and decreases in such rates, as well as extended periods of stagnation, may impact the company's business and investments in various ways.

Management uses adjusted earnings to evaluate performance and allocate resources. The company believes the presentation of adjusted earnings enhances the understanding of its performance by highlighting the results of operations and the underlying profitability drivers of the business.

The company's economic capital model, coupled with considerations of local capital requirements, aligns segment allocated equity with emerging standards and consistent risk principles. The model applies statistics-based risk evaluation principles to the material risks to which the company is exposed.

The company's management is responsible for the ongoing production and enhancement of the economic capital model and reviews its approach periodically to ensure that it remains consistent with emerging industry practice standards.

MetLife identifies technological changes as one of the risks that could cause results to differ materially from forward-looking statements.

The company is evaluating the impact of the new accounting standards related to segment reporting, which are intended to improve reportable segment disclosure requirements primarily through enhanced disclosures about significant segment expenses.

The company is evaluating the impact of the new accounting standards related to income tax disclosures, which require that public business entities disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold.

MetLife, Inc. announced that its Board of Directors authorized common stock repurchases. At June 30, 2024, MetLife, Inc. had $3.1 billion of common stock repurchases remaining under its authorizations.

For the six months ended June 30, 2024, MetLife, Inc. paid dividends on its preferred stock of $101 million.

For the six months ended June 30, 2024, MetLife, Inc. paid dividends on its common stock of $766 million.

MetLife identifies unsuccessful efforts to meet all environmental, social, and governance standards or to enhance our sustainability as one of the risks that could cause results to differ materially from forward-looking statements.

The company continues to monitor the developments of the EU AI Act and other governmental initiatives around the world, particularly in jurisdictions where we operate.

MetLife is evaluating the potential impact of new DOL regulations related to the definition of “fiduciary” for purposes of the Employee Retirement Income Security Act of 1974 and parallel provisions of the Internal Revenue Code of 1986, as amended.

MetLife identifies economic condition difficulties, including risks relating to interest rates, credit spreads, declining equity or debt markets, real estate, obligors and counterparties, government default, currency exchange rates, derivatives, climate change, public health and terrorism and security as one of the risks that could cause results to differ materially from forward-looking statements.

MetLife identifies global capital and credit market adversity as one of the risks that could cause results to differ materially from forward-looking statements.

MetLife identifies global political, legal, or operational risks as one of the risks that could cause results to differ materially from forward-looking statements.