Ameriprise Financial

Balance sheet quality is strong: investment‑grade ratings (S&P A‑, Moody’s A3), substantial parent liquidity and excess capital, and disciplined debt levels. Insurance capital is robust with an estimated 567 percent RBC and hedge effectiveness near 99 percent.

At Dec. 31, 2024, long‑term parent debt was approximately 2.85 billion dollars (ex‑CIE), and total long‑term debt including CIEs was 5.27 billion dollars; Q2 2025 parent long‑term debt was about 3.08 billion dollars with total long‑term debt 5.81 billion dollars.

Management reports 2.1 billion dollars holding‑company liquidity and 2.3 billion dollars excess capital. These metrics support resilience through downturns.