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2001 Mbia Annual Report Capital Strength. Triple-A Performance. Risk

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2001 Mbia Annual Report Capital Strength. Triple-A Performance. Risk 2001 MBIA ANNUAL REPORT Hasitha Abeygunawardena, Christy Abraham-John, Patricia Abt, Connie Accordino, Angelique Allen, James Allen, Michael Alter, Doreen Amado, Nicole Amador, Eric Anderson, Panayiotis Andreou, Gina Antonelli, Michael Antonicelli, Brian Arcese, Ana Areal, John Ariola, Craig Armstrong, Errol Arne, Daniel Avitabile, Judith Baiocco, Michael Ballinger, Frances Banuelos, Ricardo Banuelos, Anna Barbara, Mary Barbara, Lorraine Barg, Steve Barney, Philip Baudinet, Barry Baughier, Marguerite Beirne, Ahmed Belal, Richard Bell II, Thomas Bell, Dinah Bellis, Regina Bello, Anna Bencrowsky, Arlene Bent-Mutz, James Berger, Adam Bergonzi, Beth Berman, Nancy Bermudez, Paul Bernier, Gerry Berrigan, Michael Biemer, Dennis Bird, Cheri Bivings, Carol Blair, Robert Blair, Robert Blake, Elizabeth Blasius, Neal Blum, Kim Boeheim, David Boisselle, Edward Bonner, Amy Borst, C. Terry Bowens, Michelle Bracamonte, David Brancale, Martin Braunstein, Yaquelin Brea, Helen Brennan, Melissa Brice-Johnson, Nelly Briggs, Grant Brimhall, Patricia Brosnan, Carol Broughton, Jay Brown, Kevin Brown, W. Thacher Brown, Lise Bruun, Karen Brylle, Neil Budnick, Mark Bunyea, Joseph Buonadonna, Danny Burdiez, Kathelene Burns, Paul Burns, Derrick Burr, Audrey Calogero, Michael Cambridge, Jason Cameron, Patricia Campbell, Lori Candarelli, Nicholas Canuso, Jack Caouette, Lisa Carinha, Linda Carpenter, William Carson, Adam Carta, William Carta, Sal Carvo, Fred Casadei, Judith Casey, Christopher Cassel, Robert Castillo, Michael Castracan, Judith Cavino, Jason Celente, Kevin Cerutti, Chris RISKChafizadeh, StephenMANAGEMENT Chaloux, David Chappell, Charlotte Cheong, Sammy Cheung, Manuel Chevalier, Lina Chew, Sze- Loon Chew, Andrew Chintz, Siew-Li Chong, Richard Choyke, David Christiansen, Rebecca Christoforou, Leonard Chubinsky,TOTAL Lori Church,COMMITMENT Joanne Ciralli, Steven Citron, Robert Claiborne, John Clancy, Joyce Clark, Michael Clarke, RESULTSRobyn Clarke, Geoffrey Clarkson, Miriam Cleary, Thomas Cochran, William Cody, William Coleman Jr., Rosemaria Collorafi, Steven Cooke, Brian Cooney, Christie Corbett, Maryann Corse, Tim Corsi, Clifford Corso, Jonathan Costello, CERTAINTYKenneth Couch, Thomas Cousins, OF David EXECUTION Craparo, Celinda Creighton, James Cronin, David Crowle, Jacquelyn Cruz, Pauline Cullen, Derrin Culp, Celia Culpan, Terry Cundiff II, Melissa Currie, Salvatore D’Addio, Ron Dadina, Jennifer Dalton, Valerie Damon, John Danaher, Kathryn D’Angio, Jeffrey Daniels, John Dare, Stephen Dartley, Paul David, Gary Davis, Joshua Davis, Leslie Davis, Suzanne Davis, Karen Decter, Kenneth Degen, Joanne DeGennaro, Sandra DeKoubia, Lynne DeLaurentis, Laura DeLena, Maria DeMilia, Nils Demme, Michael DeNigris, Debra Descloux, Lauren Desharnais, William DeVane, Edward DeVito, Greg Diamond, James DiChiaro, Kimberly Dilly, Lauren Dimartino, Anthony Dimino, Wendy Dinsmore, Jamie Di Orio, Frederic Dittmann, Christie Dixon, Stephen Dixon, Kerry Dolan, Everlena Dolman, John Donaldson, Michelle Donaldson, Pallavi Donde, Mary Donovan, Janine Doran, Gloria D’Ottavio, Edward Dougherty, Stephanie Dougherty, Shawn Dowdy, Joseph Doyle Jr., Randy Dryden, David Dubin, Geoffrey Dudick, Maureen Duffy, Mohinder Dugal, Matthew Dugan, Rita Duggan, Gary Dunton, Utressa Earl, Pamela Eccles, Scott Eckman, Teri Eckman, Audra Edele, Barbara Edelmann, Gay Eichhoff, Bruce Ely, Ira Epstein, Richard Erickson, Jeff Esraelian, Lori Evangel, Felicia Fanelli, Matthew Fanelli, Marisa Farrell, Robert Faulkner, Carl Favelukes, Sharon Fera, Gregg Ferguson, Robert Fernald, Pamela Fernandes, Maria Ferrante, Nicholas Ferreri, Denise Feulner, Peter Fiala, Sara Fischer, Anna Fischetti, Minnie Fitchben, Catherine Geddes, Stephen Gibson, Donna Flack, Rosanne Fleury, Barbara Flickinger, Mary Flynn, Jesse Fogarty, Glenn Fox, David Frascella, Daniel Frisch, Ileana Fuentes, Max CAPITAL STRENGTH. TRIPLE-A PERFORMANCE. Financial Highlights. 2 If you could see the world through our Letter to Shareholders. 3 eyes, you’d see that the capital markets are Interview with Gary Dunton. 10 subject to unforeseen risks. Identifying Review of Operations. 16 and mitigating these risks are our core Human Capital. 22 competencies, and they are also fundamental Financial Review. 25 to our business. They help protect our Board of Directors and Senior Officers. 61 strong capital base and Triple-A ratings. Shareholder Information. 62 In fact, our commitment to no-loss underwriting is the cornerstone of our success. Put simply, it drives everything we do. From the consistency and discipline in our risk management processes … to the flow of intellectual assets within our team approach … to our conservative management of institutional assets … we are committed to managing and mitigating risk to a no-loss standard. With our adherence to strict credit quality, MBIA has provided clients with Triple-A-rated financial guarantees since 1974, so that issuers of debt can benefit from lower interest rates, better access to capital markets, and securities that are highly attractive to investors. MBIA’s financial strength and risk management expertise are the foundation of our Triple-A ratings. So whether we’re insuring bonds to finance the Eurotunnel railway system or the U. S. Patent and Trademark Office in Alexandria, Virginia, one thing is clear: MBIA’s risk culture drives every decision made in every sector of our business. In this way, we safeguard our capital, our industry leading franchise and our Triple-A ratings, and build shareholder value for our owners every day. MBIA Inc., through its subsidiaries, is the world’s leading provider of credit enhancement services and a leader in asset management. MBIA’s Triple-A pledge on municipal bonds and structured finance transactions around the world guarantees timely payment of principal and interest for investors and lowers the cost of capital for the issuing entity. With 77,700 issues insured, MBIA has saved issuers nearly $14 billion in interest costs since inception 27 years ago. With over $39 billion in assets under management, MBIA offers a number of flexible investment management options for state and local governments, school districts, pension funds, endowments, institutional investors and high-net-worth individuals. MBIA Insurance Corporation is rated Triple-A by Moody’s Investors Service, Standard and Poor’s Rating Services, Fitch Ratings, and Rating and Investment Information, Inc. in millions except per share amounts 2001 2000 1999 2001 vs 2000 2000 vs 1999 Net income $ 570 $ 529 $ 321 8% 65% Gross premiums written 865 687 625 26% 10% Revenues 1,145 1,057 964 8% 10% Total assets 16,200 13,894 12,264 17% 13% Shareholders’ equity 4,783 4,223 3,513 13% 20% Per share data: Net income Basic $ 3.85 $ 3.58 $ 2.15 8% 67% Diluted 3.82 3.56 2.13 7% 67% Diluted operating earnings 3.88 3.41 3.15 14% 8% Diluted core earnings 3.67 3.28 2.89 12% 13% Book value 32.24 28.59 23.56 13% 21% Adjusted book value 45.01 40.27 35.01 12% 15% Operating return on average shareholders’ equity 13.3% 12.9% 12.8% Total claims-paying resources $10,087 $9,140 $8,539 10% 7% FINANCIAL HIGHLIGHTS 766 22.73 32.13 25.43 35.52 23.56 35.01 28.59 40.27 32.24 45.01 2.75 2.66 2.46 3.05 2.79 2.13 3.56 3.41 3.28 3.88 2.88 3.15 2.89 3.82 3.67 912 964 1,057 1,145 97 98 9900 01 97 98 99 00 01 97 98 99 00 01 revenue book value and per share earnings ($) (dollars in millions) adjusted book value per share ($) I Book value per share I Diluted earnings per share I Adjusted book value per share* I Diluted operating earnings* I *includes after-tax effects of deferred Diluted core earnings per share** premium revenue (net of reinsurance and related expenses), present value of *excludes the net income effects of net future installment premiums and the realized gains or losses, changes in the fair unrealized gains or losses on investment value of derivative instruments and one contract liabilities. time charges. **excludes net income effects of refundings of insured issues, realized gains and losses, changes in the fair value of derivative instruments and one-time charges. 2 MBIA ANNUAL REPORT THE RUNG OF A LADDER WAS NEVER MEANT TO REST UPON, BUT ONLY TO HOLD A MAN'S FOOT LONG ENOUGH TO ENABLE HIM TO PUT THE OTHER SOMEWHAT HIGHER. THOMAS H. HUXLEY (1825-1895) TO OUR OWNERS, domestic and global credit and investment mar- kets provide a vivid backdrop to the position of your company as the year closed. In the confusion of this volatile environment, I believe we had a very satisfactory year, again demonstrating the value of our insurance products. I continue to be pleased with the quality of our outstanding credit book in the midst of the anticipated global recession. Starting with our global credit enhancement business, the secular trends, which we identified a few years back, were very evident across all sec- tors. We continued to experience very strong pric- ing for our transactions as credit concerns kept demand for the highest quality enhancement at peak levels. Driven by the strong expansion of the Jay Brown fixed-income capital markets outside the United States, aggregate production grew just over 25%, ALTHOUGH WE HAVE CLOSED our financial books comfortably above our mid-term trend line of for the year 2001, it will be many years in the mid-teens growth. Global public infrastructure future, if ever, before the anguished memories of was the dominant theme for the year. Several the past year begin to fade from our thoughts. transactions in the United Kingdom put together While the MBIA family was fortunate to have suf- by Jack Caouette and his team helped to elevate fered no direct human or financial loss, our busi- our adjusted direct premium revenues above one ness and personal communities were deeply billion dollars for the first time. In the United impacted and our common understanding of risk States, a very strong second half surge in insured was forever altered. The shocking events of municipal issuance helped overcome a fair September 11 and their tumultuous impact on amount of price competition from some competi- MBIA ANNUAL REPORT 3 tors. In the domestic structured market we never smashed my short-term goal of getting our statu- really regained the momentum that was in place tory expense ratio below 20%.
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