Third Quarter Report FOR THE PERIOD ENDED SEPTEMBER 30, 2015

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1 3 Third Quarter Report FOR THE PERIOD ENDED SEPTEMBER 30, 2015

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3 TO THE SHAREHOLDERS Power Corporation of Canada s operating earnings attributable to participating shareholders (a non-ifrs inancial measure) for the quarter ended September, were $ million or $. per share, compared with $ million or $. per share in. Other items in the current period, not included in operating earnings, were a contribution of $ million, mainly comprised of net gains of $ million on Square Victoria Communications Group Inc. s (SVCG) sale of non-core businesses, net of restructuring charges, and a contribution of $ million representing the Corporation s share of a mark to market gain on the closing of the Lafarge SA (Lafarge) and Holcim Ltd (Holcim) merger. Net earnings attributable to participating shareholders were $ million or $. per share, compared with $ million or $. per share in. NINE MONTH RESULTS Operating earnings attributable to participating shareholders for the nine months ended September, were $, million or $. per share, compared with $ million or $. per share in. Other items, not included in operating earnings, resulted in a contribution of $ million, compared with $ million in. Net earnings attributable to participating shareholders were $, million or $. per share, compared with $ million or $. per share in. RESULTS OF POWER FINANCIAL CORPORATION THIRD QUARTER RESULTS Power Financial reported operating earnings attributable to common shareholders for the quarter ended September, of $ million or $. per share, compared with $ million or $. per share in. Other items in the current quarter, not included in operating earnings, were a contribution of $ million consisting mainly of Power Financial s share of a mark to market gain on the closing of the Lafarge and Holcim merger. Net earnings attributable to common shareholders were $ million or $. per share, compared with $ million or $. per share in. POWER CORPORATION OF CANADA THIRD QUARTER REPORT

4 NINEMONTH RESULTS Operating earnings attributable to common shareholders for the nine months ended September, were $, million or $. per share, compared with $, million or $. per share in. Other items not included in operating earnings contributed $ million, compared with $ million in. Net earnings attributable to common shareholders were $, million or $. per share, compared with $, million or $. per share in. As at September,, Power Corporation held a.% economic interest in Power Financial. Power Financial s contribution to Power Corporation s operating earnings was $ million for the quarter ended September,, and in. For the nine months ended September,, Power Financial contributed $, million to Power Corporation s operating earnings, compared with $, million in. THIRD QUARTER RESULTS RESULTS FROM OTHER SUBSIDIARIES AND INCOME FROM INVESTMENTS The contribution to earnings from income from investments was $ million for the quarter ended September,, compared with $ million in. Income from investments is mainly comprised of gains from Sagard China ($ million), Sagard Europe ($ million), and other investment and hedge funds ($ million). The contribution from other subsidiaries in the current quarter includes a gain of $ million on the sale of a business by a controlled portfolio investment. NINEMONTH RESULTS The contribution to earnings from income from investments was $ million for the nine months ended September,, compared with $ million in. Income from investments includes gains of $ million from the Corporation s investment activity in China. On behalf of the Board of Directors, Signed, Paul Desmarais, Jr.,..,.. Chairman and Co-Chief Executive Oficer Signed, André Desmarais,..,.. Deputy Chairman, President and Co-Chief Executive Oficer November, 2 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

5 Power Corporation of Canada TABLE OF CONTENTS PART A POWER CORPORATION OF CANADA This document contains management s discussion and analysis of the financial condition and financial performance of Power Corporation of Canada (the Corporation) for the three months and nine months ended September 30, 2015 and the unaudited interim condensed consolidated financial statements of the Corporation as at and for the three months and nine months ended September 30, This document has been filed with the securities regulatory authorities in each of the provinces and territories of Canada and mailed to shareholders of the Corporation in accordance with applicable securities laws. PART B POWER FINANCIAL CORPORATION Power Corporation of Canada PART A Power Financial Corporation PART B PART C GREAT-WEST LIFECO INC. Great-West Lifeco Inc. PART C IGM Financial Inc. PART D Pargesa Holding SA PART D IGM FINANCIAL INC. PART E POWER CORPORATION OF CANADA THIRD QUARTER REPORT PART E PARGESA HOLDING SA

6 The trademarks contained in this report are owned by Power Corporation of Canada or by a Member of the Power Corporation Group of Companies TM. Trademarks that are not owned by Power Corporation are used with permission. 4 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

7 Power Corporation of Canada PART A PART A POWER CORPORATION OF CANADA Management s Discussion and Analysis PAGE A 2 Financial Statements and Notes PAGE A 34 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 1

8 PART A POWER CORPORATION OF CANADA POWERCORPORATIONOFCANADA MANAGEMENT SDISCUSSIONANDANALYSIS A 2 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

9 ORGANIZATIONOFTHEINTERIMMD&A PART A POWER CORPORATION OF CANADA OVERVIEW POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 3

10 PART A POWER CORPORATION OF CANADA Lifeco PowerFinancial IGMFinancial POWERCORPORATION Pargesa A 4 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

11 POWERFINANCIAL Lifeco PART A POWER CORPORATION OF CANADA IGMFinancial PargesaandGBL POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 5

12 PART A POWER CORPORATION OF CANADA Non-Current Assets Held for Sale and Discontinued Operations, OtherActivitiesofPowerFinancial SAGARDINVESTMENTFUNDS SagardEurope A 6 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

13 PART A POWER CORPORATION OF CANADA SagardCapital SagardChina OTHERSUBSIDIARIES SquareVictoriaCommunicationsGroup LaPresse+, La Presse La Presse POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 7

14 PART A POWER CORPORATION OF CANADA PowerEnergy ControlledPortfolioInvestments OTHERINVESTMENTS A 8 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

15 BASISOFPRESENTATION Interim Financial Reporting PART A POWER CORPORATION OF CANADA Control BasisofAccounting EarningsandOther ComprehensiveIncome > > > > > > > > ImpairmentTesting ImpairmentReversal > > > > > > > > > POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 9

16 PART A POWER CORPORATION OF CANADA PowerFinancial SquareVictoriaCommunicationsGroup PowerEnergy GBL SagardEurope SagardCapital SagardChina A 10 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

17 NON-IFRSFINANCIALMEASURESANDPRESENTATION operatingearnings otheritems PART A POWER CORPORATION OF CANADA POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 11

18 PART A POWER CORPORATION OF CANADA RESULTSOFPOWERCORPORATIONOFCANADA EARNINGSSUMMARY CONDENSEDSUPPLEMENTARYNON-CONSOLIDATEDSTATEMENTSOFEARNINGS September30, 2015 September30, 2015 Operatingearnings 1, (44) (5) 1, (99) (33) (39) (13) 1, Otheritems(non-operatingearnings) [3] 46 4 (8) Netearnings(attributabletoparticipatingshareholders) 1, Earningspershare(attributabletoparticipatingshareholders) NETEARNINGS A 12 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

19 OPERATINGEARNINGS PART A POWER CORPORATION OF CANADA CONTRIBUTIONTOOPERATINGEARNINGS PowerFinancial September30, 2015 September30, , , (50) (15) (98) (33) 1, , POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 13

20 PART A POWER CORPORATION OF CANADA September30, 2015 September30, 2015 Canada (41) (34) UnitedStates (9) (8) (5) (2) Europe (21) (4) LifecoCorporate (9) 2 2, , A 14 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

21 PART A POWER CORPORATION OF CANADA September30, 2015 September30, (242) (81) POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 15

22 PART A POWER CORPORATION OF CANADA September30, (2.9) Q A 16 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

23 September30, 2015 September30, (20) (5) PART A POWER CORPORATION OF CANADA POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 17

24 PART A POWER CORPORATION OF CANADA Othersubsidiaries CORPORATEOPERATIONSOFPOWERCORPORATION Incomefrominvestments September30, 2015 September30, (1) (2) A 18 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

25 PART A POWER CORPORATION OF CANADA Operatingandotherexpenses OTHERITEMS September30, 2015 September30, (15) 58 5 (5) (1) 46 4 (8) POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 19

26 PART A POWER CORPORATION OF CANADA PowerFinancial Othersubsidiaries Corporateoperations PowerFinancial Othersubsidiaries A 20 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

27 FINANCIALPOSITION CONSOLIDATEDBALANCESHEETS PART A POWER CORPORATION OF CANADA September30, 2015 Assets 5, ,327 2, ,366 5,572 11,634 6,195 9, , ,281 Liabilities 158,326 6,940 7,894 13, , ,767 Equity ,555 20,989 34, ,281 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 21

28 PART A POWER CORPORATION OF CANADA NON-CONSOLIDATEDBALANCESHEETS September30, 2015 Assets 899 1,957 10, ,192 Liabilities Equity ,555 13,525 14,192 Cashandcashequivalents A 22 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

29 Investments September30, , ,957 PART A POWER CORPORATION OF CANADA InvestmentsinPowerFinancialandOthersubsidiaries POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 23

30 PART A POWER CORPORATION OF CANADA SHAREHOLDERS EQUITY Non-ParticipatingShares ParticipatingShareholders Equity OutstandingNumberofParticipatingShares A 24 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

31 CASHFLOWS CONSOLIDATEDSTATEMENTSOFCASHFLOWS ,467 (1,390) (2,028) 296 1,345 4,431 5,776 PART A POWER CORPORATION OF CANADA NON-CONSOLIDATEDSTATEMENTSOFCASHFLOWS POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 25

32 PART A POWER CORPORATION OF CANADA 2015 Operatingactivities 1,516 (611) 15 (493) Financingactivities (39) (422) 47 (2) Investingactivities 1,048 (608) (171) (9) Cashandcashequivalents,atSeptember (416) A 26 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

33 CAPITALMANAGEMENT PART A POWER CORPORATION OF CANADA September30, 2015 Debenturesanddebtinstruments ,283 1, (43) 7,894 Non-participatingshares 970 2,580 2, ,214 Equity 12,555 15,745 28,300 42,408 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 27

34 PART A POWER CORPORATION OF CANADA RATINGS RISKMANAGEMENT A 28 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

35 PART A POWER CORPORATION OF CANADA FINANCIALINSTRUMENTSRISK POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 29

36 PART A POWER CORPORATION OF CANADA FINANCIALINSTRUMENTS DERIVATIVEFINANCIALINSTRUMENTS September30, (3) 11 23, (1,991) 2, (1) 29 (2) 26, (1,997) OFF-BALANCESHEETARRANGEMENTS GUARANTEES LETTERSOFCREDIT A 30 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

37 CONTINGENTLIABILITIES PART A POWER CORPORATION OF CANADA COMMITMENTSANDCONTRACTUALOBLIGATIONS INCOMETAXES(NON-CONSOLIDATEDBASIS) TRANSACTIONSWITHRELATEDPARTIES SUMMARYOFCRITICALACCOUNTINGESTIMATESANDJUDGMENTS POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 31

38 PART A POWER CORPORATION OF CANADA CHANGESINACCOUNTINGPOLICIES FUTUREACCOUNTINGCHANGES IFRS4 INSURANCECONTRACTS Insurance Contracts IFRS9 FINANCIALINSTRUMENTS Financial InstrumentsFinancial Instruments: Recognition and Measurement IFRS15 REVENUEFROMCONTRACTSWITHCUSTOMERS Revenue from Contracts with Customers A 32 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

39 INTERNALCONTROLOVERFINANCIALREPORTING PART A POWER CORPORATION OF CANADA SUMMARYOFQUARTERLYRESULTS 2015 Q3 9, Q POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 33

40 PART A POWER CORPORATION OF CANADA POWERCORPORATIONOFCANADA September30, 2015 Assets 5, ,143 28,986 9,400 5,224 8, ,327 14,366 5,572 2,736 1, ,521 1,986 6,195 9, ,023 Totalassets 412,281 Liabilities 157, ,940 7,894 2,555 8,955 2, ,023 Totalliabilities 377,767 Equity ,365 1,512 13,525 20,989 Totalequity 34,514 Totalliabilitiesandequity 412,281 A 34 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

41 Revenues 6,796 21,012 (905) (2,673) 5,891 18,339 1,714 5,166 (84) (1,164) 1,630 4,002 1,896 5, ,839 28,886 Expenses 5,726 16,493 (481) (1,454) 5,245 15, , ,115 5,833 17, ,296 1,869 5, ,614 25,248 1,225 3, ,261 3, Netearnings 1,107 3,233 Attributableto 586 1, ,477 1,107 3,233 Earningsperparticipatingshare PART A POWER CORPORATION OF CANADA POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 35

42 PART A POWER CORPORATION OF CANADA Netearnings 1,107 3,233 Othercomprehensiveincome(loss) Itemsthatmaybereclassifiedsubsequentlytonetearnings (15) (123) (526) 2 18 (136) (314) (118) (228) (1) (1) (73) (142) 986 1,965 (46) (55) (50) ,878 (220) (206) Total itemsthatmaybereclassified 510 1,216 Itemsthatwillnotbereclassifiedsubsequentlytonetearnings (63) (17) (7) (7) Total itemsthatwillnotbereclassified (53) 78 Othercomprehensiveincome 457 1,294 Totalcomprehensiveincome 1,564 4,527 Attributableto 917 2, ,975 1,564 4,527 A 36 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

43 Balance,beginningofyear Balance,endofperiod PART A POWER CORPORATION OF CANADA POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 37

44 PART A POWER CORPORATION OF CANADA 2015 Operatingactivities 3,810 (440) (550) 789 (163) 73 1,164 (216) 4,467 Financingactivities (904) (39) (422) (1,365) (2) (451) (15) (1,390) Investmentactivities 23,124 1,979 2,559 (48) (304) (24,399) (2,221) (2,521) (197) (2,028) 296 1,345 4,431 Cashandcashequivalents,endofperiod 5,776 Netcashfromoperatingactivitiesincludes 4, A 38 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

45 PART A POWER CORPORATION OF CANADA NOTE1CORPORATEINFORMATION NOTE2BASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES InterimFinancialReporting POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 39

46 PART A POWER CORPORATION OF CANADA NOTE2BASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES BASISOFPRESENTATION A 40 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

47 NOTE2BASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES USEOFSIGNIFICANTJUDGMENTS,ESTIMATESANDASSUMPTIONS PART A POWER CORPORATION OF CANADA FUTUREACCOUNTINGCHANGES IFRS9 FinancialInstruments FinancialInstruments, FinancialInstruments:Recognitionand Measurements IFRS15 RevenuefromContractswithCustomers RevenuefromContractswithCustomers, POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 41

48 PART A POWER CORPORATION OF CANADA NOTE3ACQUISITIONS CONTROLLEDPORTFOLIOINVESTMENTS Assetsacquiredincludinggoodwill Liabilitiesassumed Netassetsacquired Consideration LEGAL&GENERALINTERNATIONAL(IRELAND)LIMITED A 42 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

49 NOTE4INVESTMENTS PART A POWER CORPORATION OF CANADA NOTE5SEGREGATEDFUNDS INVESTMENTSONACCOUNTOFSEGREGATEDFUNDPOLICYHOLDERS POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 43

50 PART A POWER CORPORATION OF CANADA NOTE5SEGREGATEDFUNDS INSURANCEANDINVESTMENTCONTRACTSONACCOUNTOFSEGREGATEDFUNDPOLICYHOLDERS INVESTMENTSONACCOUNTOFSEGREGATEDFUNDPOLICYHOLDERS A 44 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

51 NOTE5SEGREGATEDFUNDS PART A POWER CORPORATION OF CANADA NOTE6INSURANCEANDINVESTMENTCONTRACTLIABILITIES INSURANCEANDINVESTMENTCONTRACTLIABILITIES POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 45

52 PART A POWER CORPORATION OF CANADA NOTE7STATEDCAPITAL AUTHORIZED ISSUEDANDOUTSTANDING NonParticipatingShares ParticipatingShares TotalParticipatingShares A 46 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

53 NOTE8SHAREBASEDCOMPENSATION STOCKOPTIONPLAN PART A POWER CORPORATION OF CANADA Compensationexpense,, POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 47

54 PART A POWER CORPORATION OF CANADA NOTE9CAPITALMANAGEMENT LIFECO A 48 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

55 NOTE9CAPITALMANAGEMENT InsuranceCompaniesAct PART A POWER CORPORATION OF CANADA IGMFINANCIAL POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 49

56 PART A POWER CORPORATION OF CANADA NOTE10RISKMANAGEMENT A 50 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

57 NOTE10RISKMANAGEMENT POWERCORPORATIONANDPOWERFINANCIAL Liquidityrisk PART A POWER CORPORATION OF CANADA Creditrisk POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 51

58 PART A POWER CORPORATION OF CANADA NOTE10RISKMANAGEMENT Marketrisk a) Currencyrisk b) Interestraterisk c) Equitypricerisk A 52 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

59 NOTE10RISKMANAGEMENT LIFECO Liquidityrisk PART A POWER CORPORATION OF CANADA Creditrisk Marketrisk a) Currencyrisk b) Interestraterisk POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 53

60 PART A POWER CORPORATION OF CANADA NOTE10RISKMANAGEMENT c) Equitypricerisk A 54 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

61 NOTE10RISKMANAGEMENT PART A POWER CORPORATION OF CANADA IGMFINANCIAL Liquidityrisk Creditrisk POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 55

62 PART A POWER CORPORATION OF CANADA NOTE10RISKMANAGEMENT Marketrisk a) Currencyrisk b) Interestraterisk c) Equitypricerisk A 56 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

63 NOTE11PENSIONPLANSANDOTHERPOSTEMPLOYMENTBENEFITS PART A POWER CORPORATION OF CANADA POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 57

64 PART A POWER CORPORATION OF CANADA NOTE12INCOMETAXES INCOMETAXEXPENSE EFFECTIVEINCOMETAXRATE DEFERREDTAXASSETS A 58 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

65 NOTE13OTHERCOMPREHENSIVEINCOME PART A POWER CORPORATION OF CANADA NOTE14EARNINGSPERSHARE Earnings Numberofparticipatingshares(millions) Netearningsperparticipatingshare POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 59

66 PART A POWER CORPORATION OF CANADA NOTE15FAIRVALUEOFFINANCIALINSTRUMENTS A 60 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

67 NOTE15FAIRVALUEOFFINANCIALINSTRUMENTS Financialassetsrecordedatfairvalue Financialliabilitiesrecordedatfairvalue PART A POWER CORPORATION OF CANADA Financialassetsrecordedatfairvalue Financialliabilitiesrecordedatfairvalue POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 61

68 PART A POWER CORPORATION OF CANADA NOTE15FAIRVALUEOFFINANCIALINSTRUMENTS A 62 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

69 NOTE15FAIRVALUEOFFINANCIALINSTRUMENTS Typeofasset Valuationapproach Significant unobservableinput Inputvalue Interrelationshipbetween keyunobservableinputs andfairvaluemeasurement PART A POWER CORPORATION OF CANADA POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 63

70 PART A POWER CORPORATION OF CANADA NOTE16LEGALPROVISIONSANDCONTINGENTLIABILITIES NOTE17SEGMENTEDINFORMATION A 64 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

71 NOTE17SEGMENTEDINFORMATION CONTRIBUTIONTONETEARNINGS Revenues PART A POWER CORPORATION OF CANADA Expenses Contributiontonetearnings Attributableto POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 65

72 PART A POWER CORPORATION OF CANADA NOTE17SEGMENTEDINFORMATION CONTRIBUTIONTONETEARNINGS Revenues Expenses Contributiontonetearnings Attributableto A 66 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

73 NOTE17SEGMENTEDINFORMATION CONTRIBUTIONTONETEARNINGS Revenues PART A POWER CORPORATION OF CANADA Expenses Contributiontonetearnings Attributableto POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 A 67

74 PART A POWER CORPORATION OF CANADA NOTE17SEGMENTEDINFORMATION CONTRIBUTIONTONETEARNINGS Revenues Expenses Contributiontonetearnings Attributableto TOTALASSETS A 68 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

75 Power Financial Corporation PART B Management s Discussion and Analysis PAGE B 2 Financial Statements and Notes PAGE B 28 PART B POWER FINANCIAL CORPORATION The attached documents concerning Power Financial Corporation are documents prepared and publicly disclosed by such subsidiary. Certain statements in the attached documents, other than statements of historical fact, are forward-looking statements based on certain assumptions and reflect the current expectations of the subsidiary as set forth therein. Forwardlooking statements are provided for the purposes of assisting the reader in understanding the subsidiary s financial performance, financial position and cash flows as at and for the periods ended on certain dates and to present information about the subsidiary s management s current expectations and plans relating to the future and the reader is cautioned that such statements may not be appropriate for other purposes. By its nature, forward-looking information is subject to inherent risks and uncertainties that may be general or specific and which give rise to the possibility that expectations, forecasts, predictions, projections or conclusions will not prove to be accurate, that assumptions may not be correct and that objectives, strategic goals and priorities will not be achieved. For further information provided by the subsidiary as to the material factors that could cause actual results to differ materially from the content of forwardlooking statements, the material factors and assumptions that were applied in making the forward-looking statements, and the subsidiary s policy for updating the content of forward-looking statements, please see the attached documents, including the section entitled Forward-Looking Statements. The reader is cautioned to consider these factors and assumptions carefully and not to put undue reliance on forward-looking statements. POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 1

76 POWERFINANCIALCORPORATION MANAGEMENT SDISCUSSIONANDANALYSIS PART B POWER FINANCIAL CORPORATION B 2 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

77 ORGANIZATIONOFTHEINTERIMMD&A OVERVIEW PART B POWER FINANCIAL CORPORATION POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 3

78 PART B POWER FINANCIAL CORPORATION Lifeco POWERFINANCIAL IGMFinancial Pargesa LIFECO IGMFINANCIAL B 4 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

79 PARGESAANDGBL Non-Current Assets Held for Sale and Discontinued Operations, PART B POWER FINANCIAL CORPORATION OTHERACTIVITIES POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 5

80 BASISOFPRESENTATION Interim Financial Reporting PART B POWER FINANCIAL CORPORATION Control BasisofAccounting EarningsandOther ComprehensiveIncome > > > > ImpairmentTesting ImpairmentReversal > > > > > > > > > > > > > B 6 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

81 GBL NON-IFRSFINANCIALMEASURESANDPRESENTATION operatingearnings otheritems PART B POWER FINANCIAL CORPORATION POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 7

82 RESULTSOFPOWERFINANCIALCORPORATION EARNINGSSUMMARY CONDENSEDSUPPLEMENTARYNON-CONSOLIDATEDSTATEMENTSOFEARNINGS PART B POWER FINANCIAL CORPORATION September30, 2015 September30, 2015 Operatingearnings 1, , (50) (15) (98) (33) 1, Otheritems(non-operatingearnings) [1] Netearnings(attributabletocommonshareholders) 1, Earningspershare(attributabletocommonshareholders) NETEARNINGS OPERATINGEARNINGS B 8 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

83 CONTRIBUTIONTOOPERATINGEARNINGSLIFECO,IGMANDPARGESA Lifeco PART B POWER FINANCIAL CORPORATION September30, 2015 September30, 2015 Canada (41) (34) UnitedStates (9) (8) (5) (2) Europe (21) (4) LifecoCorporate (9) 2 2, , POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 9

84 PART B POWER FINANCIAL CORPORATION IGMFinancial September30, 2015 September30, (242) (81) B 10 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

85 September30, (2.9) PART B POWER FINANCIAL CORPORATION 2015 Q POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 11

86 Pargesa PART B POWER FINANCIAL CORPORATION September30, 2015 September30, (20) (5) B 12 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

87 CORPORATEOPERATIONSOFPOWERFINANCIAL September30, 2015 September30, (2) (2) 17 7 (67) (22) (50) (15) PART B POWER FINANCIAL CORPORATION Operatingandotherexpenses OTHERITEMS September30, 2015 September30, (23) 88 8 (7) (2) 71 6 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 13

88 PART B POWER FINANCIAL CORPORATION Pargesa IGMFinancial Pargesa B 14 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

89 FINANCIALPOSITION CONSOLIDATEDBALANCESHEETS September30, 2015 Assets 4, ,959 2, ,366 5,572 10,597 5,889 9, , ,200 PART B POWER FINANCIAL CORPORATION Liabilities 158,326 6,940 6,815 12, , ,723 Equity 2,580 16,276 12,621 31, ,200 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 15

90 PART B POWER FINANCIAL CORPORATION NON-CONSOLIDATEDBALANCESHEETS September30, 2015 Assets ,160 2, ,581 Liabilities Equity 2,580 16,276 18,856 19,581 Cashandcashequivalents B 16 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

91 InvestmentinSubsidiariesandParjointco SHAREHOLDERS EQUITY CommonShareholders Equity PART B POWER FINANCIAL CORPORATION OutstandingNumberofCommonShares POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 17

92 CASHFLOWS CONSOLIDATEDSTATEMENTSOFCASHFLOWS PART B POWER FINANCIAL CORPORATION ,495 (1,787) (1,993) ,989 4,970 NON-CONSOLIDATEDSTATEMENTSOFCASHFLOWS B 18 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

93 2015 Operatingactivities 1,889 (965) Financingactivities (98) (780) 49 (829) Investingactivities (10) (1) Cashandcashequivalents,atSeptember (11) PART B POWER FINANCIAL CORPORATION POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 19

94 CAPITALMANAGEMENT PART B POWER FINANCIAL CORPORATION September30, 2015 Debenturesanddebtinstruments 250 5,283 1,325 (43) 6,815 Preferredshares 2,580 2, ,244 Equity 16,276 9,957 26,233 38,292 B 20 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

95 RATINGS PART B POWER FINANCIAL CORPORATION RISKMANAGEMENT POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 21

96 PART B POWER FINANCIAL CORPORATION FINANCIALINSTRUMENTSRISK B 22 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

97 FINANCIALINSTRUMENTS DERIVATIVEFINANCIALINSTRUMENTS September30,2015 PART B POWER FINANCIAL CORPORATION 11 23, (1,991) 2, (1) 26, (1,992) OFF-BALANCESHEETARRANGEMENTS GUARANTEES LETTERSOFCREDIT POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 23

98 CONTINGENTLIABILITIES PART B POWER FINANCIAL CORPORATION COMMITMENTSANDCONTRACTUALOBLIGATIONS INCOMETAXES(NON-CONSOLIDATEDBASIS) TRANSACTIONSWITHRELATEDPARTIES B 24 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

99 SUMMARYOFCRITICALACCOUNTINGESTIMATESANDJUDGMENTS CHANGESINACCOUNTINGPOLICIES FUTUREACCOUNTINGCHANGES PART B POWER FINANCIAL CORPORATION IFRS4 INSURANCECONTRACTS Insurance Contract IFRS9 FINANCIALINSTRUMENTS Financial InstrumentsFinancial Instruments: Recognition and Measurement POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 25

100 IFRS15 REVENUEFROMCONTRACTSWITHCUSTOMERS Revenue from Contracts with Customers, PART B POWER FINANCIAL CORPORATION INTERNALCONTROLOVERFINANCIALREPORTING B 26 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

101 SUMMARYOFQUARTERLYRESULTS 2015 Q3 9, PART B POWER FINANCIAL CORPORATION 2015 Q3 8 (2) 6 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 27

102 POWERFINANCIALCORPORATION September30, 2015 PART B POWER FINANCIAL CORPORATION Assets 4, ,777 28,986 7,398 5,224 8, ,959 14,366 5,572 2,619 1, ,017 1,957 5,889 9, ,023 Totalassets 407,200 Liabilities 157, ,940 6,815 2,550 8,074 1, ,023 Totalliabilities 375,723 Equity 2, ,029 1,443 18,856 12,621 Totalequity 31,477 Totalliabilitiesandequity 407,200 B 28 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

103 Revenues 6,796 21,012 (905) (2,673) 5,891 18,339 1,578 4,670 (84) (1,164) 1,494 3,506 1,896 5,706 9,281 27,551 Expenses 5,726 16,493 (481) (1,454) 5,245 15, , ,115 5,833 17, ,296 1,476 4, ,197 24,264 1,084 3, ,116 3, Netearnings 975 2,894 Attributableto 340 1, , ,894 Earningspercommonshare PART B POWER FINANCIAL CORPORATION POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 29

104 PART B POWER FINANCIAL CORPORATION Netearnings 975 2,894 Othercomprehensiveincome(loss) Itemsthatmaybereclassifiedsubsequentlytonetearnings (6) (5) (9) (103) (60) (120) (228) (1) (1) (74) (141) 891 1,774 (55) (50) ,733 (220) (206) Total itemsthatmaybereclassified 573 1,326 Itemsthatwillnotbereclassifiedsubsequentlytonetearnings (47) (17) (7) (7) Total itemsthatwillnotbereclassified (37) 59 Othercomprehensiveincome(loss) 536 1,385 Totalcomprehensiveincome 1,511 4,279 Attributableto 562 1, ,693 1,511 4,279 B 30 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

105 Balance,beginningofyear Balance,endofperiod PART B POWER FINANCIAL CORPORATION POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 31

106 2015 PART B POWER FINANCIAL CORPORATION Operatingactivities 3,458 (436) (550) 789 (163) 73 1, ,495 Financingactivities (538) (98) (780) (1,416) (451) (294) (1,787) Investmentactivities 22,754 1,979 1,534 (48) (4) (23,966) (2,221) (1,884) (137) (1,993) ,989 Cashandcashequivalents,endofperiod 4,970 Netcashfromoperatingactivitiesincludes 4, B 32 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

107 NOTE1CORPORATEINFORMATION PART B POWER FINANCIAL CORPORATION NOTE2BASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES InterimFinancialReporting POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 33

108 NOTE2BASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES PART B POWER FINANCIAL CORPORATION BASISOFPRESENTATION B 34 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

109 NOTE2BASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES USEOFSIGNIFICANTJUDGMENTS,ESTIMATESANDASSUMPTIONS FUTUREACCOUNTINGCHANGES IFRS9 FinancialInstruments FinancialInstruments, FinancialInstruments:Recognitionand Measurements PART B POWER FINANCIAL CORPORATION IFRS15 RevenuefromContractswithCustomers RevenuefromContractswithCustomers, POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 35

110 NOTE3BUSINESSACQUISITION LEGAL&GENERALINTERNATIONAL(IRELAND)LIMITED PART B POWER FINANCIAL CORPORATION NOTE4INVESTMENTS B 36 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

111 NOTE5SEGREGATEDFUNDS INVESTMENTSONACCOUNTOFSEGREGATEDFUNDPOLICYHOLDERS INSURANCEANDINVESTMENTCONTRACTSONACCOUNTOFSEGREGATEDFUNDPOLICYHOLDERS PART B POWER FINANCIAL CORPORATION INVESTMENTSONACCOUNTOFSEGREGATEDFUNDPOLICYHOLDERS POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 37

112 NOTE5SEGREGATEDFUNDS PART B POWER FINANCIAL CORPORATION NOTE6INSURANCEANDINVESTMENTCONTRACTLIABILITIES INSURANCEANDINVESTMENTCONTRACTLIABILITIES B 38 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

113 NOTE7STATEDCAPITAL AUTHORIZED ISSUEDANDOUTSTANDING FirstPreferredShares(perpetual) CommonShares CommonShares PART B POWER FINANCIAL CORPORATION POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 39

114 NOTE8SHAREBASEDCOMPENSATION STOCKOPTIONPLAN PART B POWER FINANCIAL CORPORATION Compensationexpense, B 40 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

115 NOTE9CAPITALMANAGEMENT PART B POWER FINANCIAL CORPORATION LIFECO POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 41

116 NOTE9CAPITALMANAGEMENT InsuranceCompaniesAct PART B POWER FINANCIAL CORPORATION IGMFINANCIAL B 42 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

117 NOTE10RISKMANAGEMENT PART B POWER FINANCIAL CORPORATION POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 43

118 NOTE10RISKMANAGEMENT POWERFINANCIAL Liquidityrisk PART B POWER FINANCIAL CORPORATION Creditrisk Marketrisk a) Currencyrisk B 44 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

119 NOTE10RISKMANAGEMENT b) Interestraterisk c) Equitypricerisk LIFECO Liquidityrisk PART B POWER FINANCIAL CORPORATION Creditrisk Marketrisk a) Currencyrisk POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 45

120 NOTE10RISKMANAGEMENT PART B POWER FINANCIAL CORPORATION b) Interestraterisk B 46 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

121 NOTE10RISKMANAGEMENT c) Equitypricerisk PART B POWER FINANCIAL CORPORATION IGMFINANCIAL Liquidityrisk POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 47

122 NOTE10RISKMANAGEMENT PART B POWER FINANCIAL CORPORATION Creditrisk Marketrisk a) Currencyrisk b) Interestraterisk c) Equitypricerisk B 48 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

123 NOTE11PENSIONPLANSANDOTHERPOSTEMPLOYMENTBENEFITS PART B POWER FINANCIAL CORPORATION POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 49

124 NOTE12INCOMETAXES INCOMETAXEXPENSE PART B POWER FINANCIAL CORPORATION EFFECTIVEINCOMETAXRATE DEFERREDTAXASSETS B 50 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

125 NOTE13OTHERCOMPREHENSIVEINCOME PART B POWER FINANCIAL CORPORATION NOTE14EARNINGSPERSHARE Earnings Numberofcommonshares(millions) Netearningspercommonshare POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 51

126 NOTE15FAIRVALUEOFFINANCIALINSTRUMENTS PART B POWER FINANCIAL CORPORATION B 52 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

127 NOTE15FAIRVALUEOFFINANCIALINSTRUMENTS Financialassetsrecordedatfairvalue Financialliabilitiesrecordedatfairvalue PART B POWER FINANCIAL CORPORATION Financialassetsrecordedatfairvalue Financialliabilitiesrecordedatfairvalue POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 53

128 NOTE15FAIRVALUEOFFINANCIALINSTRUMENTS PART B POWER FINANCIAL CORPORATION B 54 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

129 NOTE15FAIRVALUEOFFINANCIALINSTRUMENTS Typeofasset Valuationapproach Significant unobservableinput Inputvalue Interrelationshipbetween keyunobservableinputs andfairvaluemeasurement PART B POWER FINANCIAL CORPORATION POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 55

130 NOTE16LEGALPROVISIONSANDCONTINGENTLIABILITIES NOTE17SEGMENTEDINFORMATION PART B POWER FINANCIAL CORPORATION B 56 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

131 NOTE17SEGMENTEDINFORMATION CONTRIBUTIONTONETEARNINGS Revenues Expenses Contributiontonetearnings PART B POWER FINANCIAL CORPORATION Attributableto POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 57

132 NOTE17SEGMENTEDINFORMATION CONTRIBUTIONTONETEARNINGS Revenues PART B POWER FINANCIAL CORPORATION Expenses Contributiontonetearnings Attributableto B 58 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

133 NOTE17SEGMENTEDINFORMATION CONTRIBUTIONTONETEARNINGS Revenues Expenses Contributiontonetearnings PART B POWER FINANCIAL CORPORATION Attributableto POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 B 59

134 NOTE17SEGMENTEDINFORMATION CONTRIBUTIONTONETEARNINGS Revenues PART B POWER FINANCIAL CORPORATION Expenses Contributiontonetearnings Attributableto TOTALASSETS B 60 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

135 Great-West Lifeco Inc. PART C Management s Discussion and Analysis PAGE C 2 Financial Statements and Notes PAGE C 39 Please note that the bottom of each page in Part C contains two different page numbers. A page number with the prefix C refers to the number of such page in this document and the page number without any prefix refers to the number of such page in the original document issued by Great-West Lifeco Inc. The attached documents concerning Great-West Lifeco Inc. are documents prepared and publicly disclosed by such subsidiary. Certain statements in the attached documents, other than statements of historical fact, are forwardlooking statements based on certain assumptions and reflect the current expectations of the subsidiary as set forth therein. Forward-looking statements are provided for the purposes of assisting the reader in understanding the subsidiary s financial performance, financial position and cash flows as at and for the periods ended on certain dates and to present information about the subsidiary s management s current expectations and plans relating to the future and the reader is cautioned that such statements may not be appropriate for other purposes. PART C GREAT-WEST LIFECO INC. By its nature, forward-looking information is subject to inherent risks and uncertainties that may be general or specific and which give rise to the possibility that expectations, forecasts, predictions, projections or conclusions will not prove to be accurate, that assumptions may not be correct and that objectives, strategic goals and priorities will not be achieved. For further information provided by the subsidiary as to the material factors that could cause actual results to differ materially from the content of forward-looking statements, the material factors and assumptions that were applied in making the forward-looking statements, and the subsidiary s policy for updating the content of forward-looking statements, please see the attached documents, including the section entitled Cautionary Note Regarding Forward-Looking Information. The reader is cautioned to consider these factors and assumptions carefully and not to put undue reliance on forwardlooking statements. POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 C 1

136 Management's Discussion and Analysis MANAGEMENT S DISCUSSION AND ANALYSIS FOR THE PERIOD ENDED SEPTEMBER 30, 2015 DATED: NOVEMBER 5, 2015 PART C GREAT-WEST LIFECO INC. This Management s Discussion and Analysis (MD&A) presents management s view of the financial condition, results of operations and cash flows of Great-West Lifeco Inc. (Lifeco or the Company) for the three and nine months ended September 30, 2015 and includes a comparison to the corresponding periods in 2014, to the three months ended June 30, 2015, and to the Company s financial condition as at December 31, This MD&A provides an overall discussion, followed by analysis of the performance of Lifeco's three major reportable segments: Canada, United States (U.S.) and Europe. BASIS OF PRESENTATION AND SUMMARY OF ACCOUNTING POLICIES The consolidated financial statements of Lifeco, which are the basis for data presented in this report, have been prepared in accordance with International Financial Reporting Standards (IFRS) unless otherwise noted and are presented in millions of Canadian dollars unless otherwise indicated. This MD&A should be read in conjunction with the Company's condensed consolidated financial statements for the period ended September 30, Please also refer to the 2014 Annual MD&A and consolidated financial statements in the Company's 2014 Annual Report. CAUTIONARY NOTE REGARDING FORWARD-LOOKING INFORMATION This MD&A contains some forward-looking statements about the Company, including its business operations, strategy and expected financial performance and condition. Forward-looking statements include statements that are predictive in nature, depend upon or refer to future events or conditions, or include words such as expects, anticipates, intends, plans, believes, estimates and similar expressions or negative versions thereof. In addition, any statement that may be made concerning future financial performance (including revenues, earnings or growth rates), ongoing business strategies or prospects, and possible future actions by the Company, including statements made with respect to the expected benefits of acquisitions and divestitures, are also forwardlooking statements. Forward-looking statements are based on expectations and projections about future events that were current at the time of the statements and are inherently subject to, among other things, risks, uncertainties and assumptions about the Company, economic factors and the financial services industry generally, including the insurance and mutual fund industries. They are not guarantees of future performance, and actual events and results could differ materially from those expressed or implied by forward-looking statements. Material factors and assumptions that were applied in formulating the forward-looking information contained herein include the assumption that the business and economic conditions affecting the Company s operations will continue substantially in their current state, including, without limitation, with respect to market prices for products provided, sales levels, premium income, fee income, expense levels, mortality experience, morbidity experience, policy lapse rates, reinsurance, taxes, inflation, general economic, political and market factors in North America and internationally, interest and foreign exchange rates, investment values, global equity and capital markets, business competition, continuity and availability of personnel and third party service providers, the Company's ability to complete strategic transactions and integrate acquisitions and that there will be no unplanned material changes to the Company s facilities, customer and employee relations or credit arrangements. Many of these assumptions are based on factors and events that are not within the control of the Company and there is no assurance that they will prove to be correct. Other important factors and assumptions that could cause actual results to differ materially from those contained in forward-looking statements include technological change, breaches or failure of information systems and security (including cyber attacks), payments required under investment products, changes in local and international laws and regulations, changes in accounting policies and the effect of applying future accounting policy changes, unexpected judicial or regulatory proceedings and catastrophic events. The reader is cautioned that the foregoing list of assumptions and factors is not exhaustive, and there may be other factors listed in other filings with securities regulators, including factors set out in the Company's 2014 Annual MD&A under "Risk Management and Control Practices" and "Summary of Critical Accounting Estimates", which, along with other filings, is available for review at The reader is also cautioned to consider these and other factors carefully and not to place undue reliance on forward-looking statements. Other than as specifically required by applicable law, the Company does not intend to update any forward-looking statements whether as a result of new information, future events or otherwise. CAUTIONARY NOTE REGARDING NON-IFRS FINANCIAL MEASURES This MD&A contains some non-ifrs financial measures. Terms by which non-ifrs financial measures are identified include, but are not limited to, operating earnings, constant currency basis, premiums and deposits, sales, assets under management, assets under administration and other similar expressions. Non-IFRS financial measures are used to provide management and investors with additional measures of performance to help assess results where no comparable IFRS measure exists. However, non-ifrs financial measures do not have standard meanings prescribed by IFRS and are not directly comparable to similar measures used by other companies. Please refer to the appropriate reconciliations of these non-ifrs financial measures to measures prescribed by IFRS. 5 C 2 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

137 Management's Discussion and Analysis CONSOLIDATED OPERATING RESULTS Selected consolidated financial information (in Canadian $ millions, except for per share amounts) As at or for the three months ended For the nine months ended Sept June Sept (2)(4) Sept Sept (2) Premiums and deposits: Amounts reported in the financial statements Net premium income (Life insurance, guaranteed annuities and insured health products) $ 5,891 $ 5,516 $ 4,690 $ 18,339 $ 15,721 Policyholder deposits (segregated funds): Individual products 3,157 3,031 2,865 9,169 8,641 Group products 2,738 1,835 1,824 6,608 7,128 Premiums and deposits reported in the financial statements 11,786 10,382 9,379 34,116 31,490 Self-funded premium equivalents (Administrative services only contracts) (1) ,960 1,949 Proprietary mutual funds and institutional deposits (1)(2) 16,807 11,032 10,690 40,777 32,577 Total premiums and deposits (1) 29,232 22,073 20,702 76,853 66,016 Fee and other income 1,241 1,226 1,092 3,725 3,261 Paid or credited to policyholders (3) 5,833 1,588 5,966 17,310 21,035 Earnings Net earnings - common shareholders $ 720 $ 659 $ 687 $ 2,079 $ 1,889 Per common share Basic earnings Dividends paid Book value (4) Return on common shareholders' equity (4)(5) Operating earnings (6) 15.2% 15.7% 15.1% Net earnings 15.2% 15.7% 16.5% Total assets per financial statements (4) $ 389,935 $ 376,428 $ 349,041 Proprietary mutual funds and institutional net assets (7) 239, , ,451 Total assets under management (4)(7) 628, , ,492 Other assets under administration (8) 524, , ,264 Total assets under administration (4) $ 1,153,798 $ 1,147,855 $ 1,021,756 Total equity (4) $ 24,534 $ 23,470 $ 21,448 PART C GREAT-WEST LIFECO INC. (1) (2) (3) (4) (5) (6) (7) (8) In addition to premiums and deposits reported in the financial statements, the Company includes premium equivalents on self-funded group insurance administrative services only (ASO) contracts and deposits on proprietary mutual funds and institutional accounts to calculate total premiums and deposits (a non-ifrs financial measure). This measure provides useful information as it is an indicator of top line growth. Comparative figures for premiums and deposits (a non-ifrs financial measure) have been restated to improve consistency across the Company's business units. Paid or credited to policyholders includes the impact of changes in fair values of assets supporting insurance and investment contract liabilities. Comparative figures have been adjusted as described in note 2 to the Company's condensed consolidated financial statements for the period ended September 30, Return on shareholders' equity is detailed within the "Capital Allocation Methodology" section. Operating earnings (a non-ifrs financial measure) excludes the impact of certain litigation provisions described in note 32 to the Company's December 31, 2014 annual consolidated financial statements. Total assets under management (a non-ifrs financial measure) provides an indicator of the size and volume of the overall business of the Company. Services provided in respect of assets under management include the selection of investments, the provision of investment advice and discretionary portfolio management on behalf of clients. This includes internally and externally managed funds where the Company has oversight over the investment policies. Other assets under administration (a non-ifrs financial measure) includes assets where the Company only provides administration services for which the Company earns fee and other income. These assets are beneficially owned by clients and the Company does not direct the investing activities. Services provided relating to assets under administration includes recordkeeping, safekeeping, collecting investment income, settling of transactions or other administrative services. Administrative services are an important aspect of the overall business of the Company and should be considered when comparing volumes, size and trends. 6 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015 C 3

138 Management's Discussion and Analysis NET EARNINGS Consolidated net earnings of Lifeco include the net earnings of The Great-West Life Assurance Company (Great-West Life) and its operating subsidiaries, London Life Insurance Company (London Life), The Canada Life Assurance Company (Canada Life) and Irish Life Group Limited (Irish Life); Great-West Life & Annuity Insurance Company (Great- West Financial) and Putnam Investments, LLC (Putnam), together with Lifeco s Corporate operating results. Lifeco's net earnings attributable to common shareholders for the three month period ended September 30, 2015 were $720 million compared to $687 million a year ago and $659 million in the previous quarter. On a per share basis, this represents $0.724 per common share ($0.722 diluted) for the third quarter of 2015 compared to $0.687 per common share ($0.686 diluted) a year ago and $0.661 per common share ($0.659 diluted) in the previous quarter. For the nine months ended September 30, 2015, Lifeco's net earnings attributable to common shareholders were $2,079 million compared to $1,889 million a year ago. On a per share basis, this represents $2.086 per common share ($2.081 diluted) for 2015 compared to $1.891 per common share ($1.889 diluted) a year ago. PART C GREAT-WEST LIFECO INC. Net earnings - common shareholders For the three months ended June Sept Sept For the nine months ended Sept. 30 Sept Canada Individual Insurance $ 91 $ 88 $ 109 $ 256 $ 275 Wealth Management Group Insurance Canada Corporate (34) 2 (41) United States Financial Services (1) Asset Management (8) (3) (8) (9) (70) U.S. Corporate (1) (2) (2) (2) (5) (2) Europe Insurance & Annuities Reinsurance Europe Corporate (4) (10) (8) (21) (22) Lifeco Corporate 2 (5) (9) (9) (20) Net earnings - common shareholders $ 720 $ 659 $ 687 $ 2,079 $ 1,889 (1) The Company has reclassified comparative figures for presentation adjustments. The information in the table above is a summary of results for net earnings of the Company. Additional commentary regarding net earnings is included in the "Segmented Operating Results" section. MARKET IMPACTS Interest Rate Environment Government bond yields in countries where the Company operates decreased during the quarter, while corporate credit spreads generally widened. The net change in interest rates did not impact the range of interest rate scenarios tested through the valuation process and had no material impact on net earnings or on the Minimum Continuing Capital and Surplus Requirements (MCCSR) ratio. 7 C 4 POWER CORPORATION OF CANADA THIRD QUARTER REPORT 2015

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